How do you manage regulatory and messaging changes like ISO 20022?

We map message impacts, embed milestones and provide end-to-end test evidence for audit.

Transaction Banking Transformation

Transaction banking and cash management consulting for banks – Phoenix FSC

We help banks and payment institutions modernise cash management, payments and channels—from target operating model and platform selection to compliant, low-risk delivery. Our team blends deep product knowledge (payments, collections, liquidity) with hands-on change experience so you land benefits without disrupting BAU.

Where we help

Target Operating Model (TOM): front-to-back processes, roles & controls, locations, SLAs, MI/KRIs.
Payments & cash platforms: hub modernisation, ISO 20022 enablement, real-time payments, cross-border, connectivity.
Channels & onboarding: digital channels, file gateways/host-to-host, CX for corporate onboarding, KYC & service management.
Liquidity & cash pooling: notional/physical pooling, sweeping, intraday liquidity monitoring.
Risk & control design: three-lines alignment, reconciliations, exception management, fraud & sanctions handoffs.
Vendor RFI/RFP & selection: requirements, scoring, due diligence, commercials, migration planning.
Outsourcing/BPO: scope, controls, contract schedules, service governance and exit planning.
Programme delivery: portfolio setup, workstream governance, test strategy, dress-rehearsals and cutover.

Typical engagement & timeline

Diagnostic (2–3 weeks): current-state review, pain points, quick-win plan and TOM outline.
Design (4–8 weeks): TOM detail, business case, architecture impacts, vendor shortlist, delivery roadmap.
Delivery (8–20+ weeks): build/config, data & migration, testing, training, go-live and stabilisation.

Delivrables

TOM playbook with RACI, control library and MI pack.
Requirements & RFP toolkit (scorecards, scripts, evaluation log).
Migration & cutover plan with roll-back criteria.
Operational procedures (payments exceptions, investigations, returns/recalls).
Benefits & KPI framework and governance dashboards.
Training materials and BAU handover.

Who we help

Transaction banking and cash management units of universal/investment banks
Private/wealth banks seeking corporate cash features for HNW/SME clients
Third-party BPO/outsourcing providers
Payment Institutions

Why Phoenix FSC

Practitioners who have delivered transaction-banking change inside banks
Balanced focus on customer outcomes, risk & control, and cost-to-serve.

FAQ Q: Can you help pick and contract with a payments hub vendor? Yes—requirements, market scan, RFI/RFP, demos, scoring, due diligence and commercial negotiation. Q: How do you manage regulatory changes (e.g., ISO 20022)? We embed regulatory milestones into the plan, map message impacts and provide end-to-end test evidence. Q: Will operations be ready on day one? We provide playbooks, training and run-books; we rehearse cutover with golden-path and exception scenarios. Q: Can you work with our offshore teams or BPO provider? Yes—scope, controls, service definitions and governance cadence, plus exit/contingency planning.