Core Banking Reconciliation & Real-time Risk Engine
01. Executive Summary
Operational redesign connecting legacy COBOL mainframes to a real-time risk scoring engine for automated reconciliation.
02. Business Context
Daily transaction reconciliation required 30+ analysts manually verifying spreadsheet discrepancies.
03. Current State Architecture
Mainframe CDC event streams bridged to a high-throughput event bus and prescriptive decision engine.
04. Knowledge Flow Pipeline
Transaction Event Stream → Risk Scoring Matrix → Automated Match → Compliance Audit Log
05. Decision Analysis Matrix
Transactions below $50k auto-reconciled; anomalies routed to senior risk officers.
06. Transformation Strategy
Build event-driven shadow layer over mainframe without changing core banking code.
07. Technical Architecture Specs
Apache Kafka event bus + Go microservices + custom fraud decision matrices.
08. Implementation Lifecycle
10-week deployment with zero downtime across 8 banking divisions.
09. Measured Empirical Outcomes
84% reduction in manual reconciliation time; $3.2M annual operational cost savings.
10. Key Lessons Learned
Event-driven CDC streams completely bypassed mainframe performance bottlenecks.
11. Future Roadmap
Deploy predictive regulatory filing module in Q1.
