Investment Banking Value Streams: AI-Ready Edition | Capstera

The Corporate and Investment Banking Value Streams: AI-Ready Edition is for business and enterprise architects who need to see how corporate and investment banking work runs from trigger to value, and where AI belongs in it. It covers 18 value streams in 90 stages. Each stage is shown as it runs today and as it could run with AI, with the target AI mode, the agents involved and the human checkpoint that stays with a person. It holds the 14 value streams every bank and payments company shares and the 4 specific to corporate and investment banking, prime brokerage included, from Banking and Payments Industry Business Architecture Reference Model: AI Transformation Blueprint.

What's Inside

The same 18 value streams come in three files: a deck to present, a workbook to work in and a guide to read, plus an import file for the Capstera platform. The workbook holds every field; the deck shows each stage as it runs today and AI-native, with its AI mode and human checkpoint.

• 18 corporate and investment banking value streams and their 90 stages, each with its steps, stakeholders, entry and exit criteria, and the capabilities that enable it
• For every stage: today's pain points, the AI-native future state, the agents involved, the target AI mode, the human checkpoint and KPIs
• 24 standard banking and payments value streams with their steps, as a reference process view
• The Value Streams deck (PowerPoint): every value stream as a flow, then stage by stage
• The workbook (Excel): the value streams and every stage, in sheets you can filter and extend
• The guide (Word): the scales used at each stage (AI mode, human oversight, risk tier and work pattern), every value stream in prose, and the license
• An import file that loads the value streams and their stages into the Capstera platform
• Free corrections, and new versions free for 180 days

Every file names your organization and carries your license ID.

The 18 Value Streams

Each value stream runs from a trigger to the value it delivers. The list gives that value and the number of stages.

• Prospect to Onboarded Client (5 stages): A client identified, verified, screened and rated before it transacts, with working accounts, correct reference data and the documents it is owed, collected without asking twice for the same evidence.
• Review Trigger to Refreshed Client Profile (5 stages): A client profile that is current, rescreened and re-rated, with a recorded decision on the relationship, reached with as few requests to the client as the evidence allows.
• Payment Instruction to Settled Payment (5 stages): Each payment validated, screened, scored for fraud, routed, cleared and settled within its cut-off, posted to both accounts and confirmed, without repair, loss or a missed settlement.
• Payment Exception to Resolved Payment (5 stages): Each exception repaired, returned, recalled or explained with a clear answer to the client, fewer funds left in suspense, and fewer losses from payment errors.
• Dispute Raised to Dispute Resolved (5 stages): A fair, timely decision on the client's money, decided on evidence, with the client kept informed and the amount recovered from the party responsible where it can be.
• Screening Alert to Cleared or Escalated Match (5 stages): Clients and payments screened against the current lists, each potential match cleared as false or decided on evidence, and payments held no longer than the evidence requires.
• Monitoring Alert to Closed Financial Crime Case (5 stages): Suspected financial crime found, investigated and decided, reported to an authority where required, and the relationship decided, with the investigation kept confidential from the client.
• Fraud Signal to Resolved Fraud Case (5 stages): Fraud stopped or contained before money leaves, clients deceived into paying supported, each claim decided fairly under the reimbursement rules, and losses recovered where they can be.
• Credit Request to Approved Facility (5 stages): A timely, reasoned credit decision within delegated authority, on a facility structured and priced for its risk, secured and limited before the borrower can draw.
• Early Warning to Managed Credit Exposure (5 stages): Deterioration found early, exposure managed down, restructured or recovered, and expected losses estimated for Finance on time, so losses are smaller and borrowers are helped before they default.
• Balance Sheet Plan to Funded and Capitalized Plan (5 stages): A balance sheet structure, funds transfer prices, funding, liquidity and capital that support the business plan under stress, with a contingency funding plan ready to use.
• Reporting Period to Submitted Supervisory Return (5 stages): Supervisory returns sourced from the systems of record, reconciled to the ledger, validated, explained and signed off, then submitted on time.
• Product Idea to Approved Financial Product (5 stages): Financial products approved with their risks understood, documented clearly, priced fairly for the clients they are designed for, and reviewed and changed or withdrawn through their life.
• Break Detected to Reconciled Position (5 stages): Every break explained and corrected at its source, client money confirmed as protected every day, and unresolved items written off only with approval.
• Mandate to Closed Transaction (5 stages): A transaction completed on the terms the client sought, with conflicts cleared, inside information kept behind its barrier, and the organization's commitments controlled.
• Client Order to Settled Trade (5 stages): Execution on the best terms reasonably available, trades confirmed and settled on time, positions held within limits, and books valued at verified prices.
• Locate Request to Returned Securities Loan (5 stages): Securities available when the client's strategy needs them, every loan fully collateralized every day, and loans returned and their collateral released cleanly.
• Margin Call to Settled Collateral (5 stages): Clients financed under known terms, margin shortfalls called, met or escalated on time, and credit exposure to professional investors kept covered.

Who Uses It

Process owners and the teams who redesign corporate and investment banking work, transformation leads who need a future-state process view to plan from, and business architects who map value streams to capabilities.

How It Fits With the Other Products

Each stage names the capabilities that enable it; they are defined in the Banking and Payments Industry Business Capabilities Map: AI-Ready Edition. The agents each stage involves are specified in Banking and Payments Industry Business Architecture Reference Model: AI Transformation Blueprint, which also holds the business data model, use cases, controls, an operating model and a roadmap. The Corporate and Investment Banking Business Data Model is sold on its own too.

Target AI modes describe a typical large enterprise and are a starting point for your own.