Financial Services

flowchart TD
    A[Banker identifies potential targets/buyers] --> B[Valuation models built manually]
    B --> C[Pitch presented to client]
    C --> D[Negotiation and deal structuring]
    D --> E[Deal closes]

flowchart TD
    A[Company prepares for IPO with bank's help] --> B[Roadshow conducted with investors]
    B --> C[Order book built manually]
    C --> D[Pricing decided]
    D --> E[Shares allocated to investors]

flowchart TD
    A[Issuer decides to raise debt] --> B[Bank structures bond terms]
    B --> C[Credit rating agency engaged for rating]
    C --> D[Bond marketed to investors]
    D --> E[Pricing set, bonds allocated]

flowchart TD
    A[Client submits order] --> B[Trader/algorithm assesses market conditions]
    B --> C[Order executed]
    C --> D[Trade confirmed and booked]
    D --> E[Risk limits checked post-trade]

flowchart TD
    A[Analyst gathers company/market data] --> B[Builds financial model manually]
    B --> C[Drafts report with rating/price target]
    C --> D[Compliance review before publication]
    D --> E[Report distributed to clients]

flowchart TD
    A[Trade executed] --> B[Trade details confirmed between parties]
    B --> C[Sent to clearinghouse for netting]
    C --> D{Discrepancy found?}
    D -->|Yes| E[Manual break resolution]
    D -->|No| F[Settlement completes]

flowchart TD
    A[Portfolio manager reviews target allocation] --> B[Market analysis informs security selection]
    B --> C[Trades placed to rebalance]
    C --> D[Portfolio drift monitored periodically]

flowchart TD
    A[Daily fund holdings and prices collected] --> B[NAV calculated manually or semi-automated]
    B --> C[Reconciled against custodian records]
    C --> D[Investor statements generated]

flowchart TD
    A[Investor submits purchase/redemption request] --> B[Transfer agent processes request manually]
    B --> C[Units registered/deregistered]
    C --> D[Custodian updates asset records]

flowchart TD
    A[Advisor evaluates alternative fund opportunities] --> B[Extensive manual due diligence conducted]
    B --> C[Investment committee approval]
    C --> D[Capital committed to the fund]

flowchart TD
    A[Client completes risk questionnaire] --> B[Algorithm assigns model portfolio]
    B --> C[Portfolio automatically rebalanced periodically]
    C --> D[Client can escalate to human advisor if needed]

flowchart TD
    A[Advisor meets with client] --> B[Risk tolerance and goals assessed manually]
    B --> C[Financial plan drafted]
    C --> D[Investment policy statement created]

flowchart TD
    A[Compliance team gathers required disclosure data] --> B[Filing drafted manually]
    B --> C[Internal review and sign-off]
    C --> D[Filed with regulator]

flowchart TD
    A[Portfolio returns pulled for period] --> B[Analyst decomposes returns by factor/decision]
    B --> C[Attribution report drafted]
    C --> D[Reviewed with portfolio manager]

flowchart TD
    A[Applicant submits information] --> B[Underwriter reviews risk factors]
    B --> C{Standard risk?}
    C -->|Yes| D[Policy priced and issued]
    C -->|No| E[Manual review, possible additional underwriting]

flowchart TD
    A[Policyholder reports loss - FNOL] --> B[Claims adjuster assigned]
    B --> C[Investigation conducted, documents gathered]
    C --> D[Payout amount determined against policy terms]
    D --> E[Settlement issued]

flowchart TD
    A[Policyholder requests change or renewal approaches] --> B[Administrator manually updates policy record]
    B --> C[Premium recalculated if needed]
    C --> D[Updated documents issued to policyholder]

flowchart TD
    A[Historical claims data gathered] --> B[Actuary builds reserve/pricing models]
    B --> C[Models reviewed and validated]
    C --> D[Results feed underwriting and financial reporting]

flowchart TD
    A[Insurer identifies risk exposure to cede] --> B[Reinsurance treaty negotiated]
    B --> C[Risk ceded per treaty terms]
    C --> D[Claims shared per agreement when triggered]

flowchart TD
    A[Broker applies to sell insurer's products] --> B[Manual licensing/compliance verification]
    B --> C[Broker onboarded, commission structure set]
    C --> D[Ongoing commission tracking and payment]

flowchart TD
    A[Transaction initiated] --> B[Authorization request sent through network]
    B --> C{Approved?}
    C -->|Yes| D[Funds move between accounts]
    C -->|No| E[Transaction declined]
    D --> F[Settlement finalized in batch later]

flowchart TD
    A[Bank partners with issuer processor] --> B[Cards issued to customers]
    B --> C[Merchant applies to accept cards]
    C --> D[Merchant underwritten and onboarded]

flowchart TD
    A[User creates wallet account] --> B[Links bank account or card]
    B --> C[Funds loaded or received]
    C --> D[User spends or transfers from wallet balance]

flowchart TD
    A[Customer selects BNPL at checkout] --> B[Instant underwriting decision made]
    B --> C{Approved?}
    C -->|Yes| D[Installment schedule set]
    C -->|No| E[Declined, alternative payment offered]
    D --> F{Payment missed?}
    F -->|Yes| G[Delinquency workflow triggered]

flowchart TD
    A[Transaction scored by fraud model] --> B{Score above threshold?}
    B -->|Yes| C[Transaction held or declined]
    B -->|No| D[Transaction proceeds]
    C --> E[Analyst manually reviews flagged case]

flowchart TD
    A[Sender initiates transfer] --> B[Compliance screening for corridor-specific rules]
    B --> C[Currency converted]
    C --> D[Funds routed through correspondent network]
    D --> E[Recipient receives funds]

flowchart TD
    A[Orders submitted by market participants] --> B[Matching engine pairs buy/sell orders]
    B --> C[Trade executed]
    C --> D[Market data disseminated to participants]

flowchart TD
    A[Trade sent to clearinghouse] --> B[Positions netted across participants]
    B --> C[Margin requirements calculated]
    C --> D[Settlement instructions issued]

flowchart TD
    A[Securities registered in depository] --> B[Ownership records updated on trade settlement]
    B --> C[Corporate actions (dividends, splits) processed]

flowchart TD
    A[Fund manager creates pitch materials] --> B[Investor meetings conducted]
    B --> C[Due diligence by investors]
    C --> D[Capital commitments signed]

flowchart TD
    A[Deal team identifies target company] --> B[Financial, legal, commercial diligence conducted]
    B --> C[Investment committee review]
    C --> D{Approved?}
    D -->|Yes| E[Deal negotiated and closed]
    D -->|No| F[Deal passed on]

flowchart TD
    A[Operating partner reviews portfolio company performance] --> B[Improvement initiatives identified]
    B --> C[Board oversight and governance support provided]
    C --> D[Performance tracked periodically]

flowchart TD
    A[Fund evaluates exit readiness and market conditions] --> B[Exit process chosen: sale, IPO, recap]
    B --> C[Advisors engaged, process run]
    C --> D[Exit completed, proceeds distributed]

flowchart TD
    A[Invoice received from vendor] --> B[3-way match: PO, receipt, invoice]
    B --> C{Match successful?}
    C -->|Yes| D[Routed for approval]
    C -->|No| E[Exception investigated manually]
    D --> F[Payment executed]

flowchart TD
    A[Invoice issued to customer] --> B[Payment received]
    B --> C[Cash application: match payment to invoice]
    C --> D{Match found?}
    D -->|Yes| E[Invoice closed]
    D -->|No| F[Manual investigation/dispute resolution]

flowchart TD
    A[Sub-ledgers closed for the period] --> B[Journal entries prepared and reviewed]
    B --> C[Accounts reconciled]
    C --> D[Consolidation across entities]
    D --> E[External report finalized]

flowchart TD
    A[Prior actuals and assumptions gathered] --> B[Budget/forecast built in spreadsheets]
    B --> C[Actuals compared to forecast]
    C --> D[Variance explanations gathered from department heads]
    D --> E[Board report compiled]

flowchart TD
    A[Cash balances pulled from multiple bank accounts] --> B[Position consolidated manually]
    B --> C[Liquidity forecast built]
    C --> D[Hedging decisions made if needed]

flowchart TD
    A[Time & attendance data collected] --> B[Exceptions reviewed manually]
    B --> C[Payroll calculated: wages, tax withholding, benefits]
    C --> D[Payroll approved and disbursed]

flowchart TD
    A[Need identified, vendor sourced] --> B[Purchase order created]
    B --> C[Approval routing based on amount]
    C --> D[PO sent to vendor]
    D --> E[Contract terms tracked for renewal]

flowchart TD
    A[Financial data gathered for tax period] --> B[Tax provision calculated]
    B --> C[Returns prepared and reviewed]
    C --> D[Filed with tax authorities]

flowchart TD
    A[Audit plan defines controls to test] --> B[Auditor samples transactions manually]
    B --> C[Control gaps identified]
    C --> D[Remediation plan tracked]

flowchart TD
    A[Customer transactions monitored against rules] --> B{Suspicious pattern flagged?}
    B -->|Yes| C[Analyst manually investigates]
    B -->|No| D[No action]
    C --> E{Confirmed suspicious?}
    E -->|Yes| F[Suspicious Activity Report filed]

flowchart TD
    A[Customer/transaction screened against watchlists] --> B{Name match found?}
    B -->|Yes| C[Manual review to confirm true match]
    B -->|No| D[Transaction proceeds]
    C --> E{Confirmed?}
    E -->|Yes| F[Transaction blocked, reported]
    E -->|No| G[False positive cleared]

flowchart TD
    A[Risk data gathered across business lines] --> B[Models calculate exposure]
    B --> C[Results reviewed by risk committee]
    C --> D[Limits set or adjusted]

flowchart TD
    A[Balance sheet data gathered] --> B[Stress scenarios applied]
    B --> C[Capital ratios calculated under each scenario]
    C --> D[Results submitted to regulator]

flowchart TD
    A[Lending decisions and disclosures reviewed] --> B[Compliance team samples files]
    B --> C{Issue found?}
    C -->|Yes| D[Remediation required]
    C -->|No| E[File cleared]

flowchart TD
    A[Data gathered from multiple internal systems] --> B[Report template populated manually]
    B --> C[Internal review and sign-off]
    C --> D[Filed with regulator]

flowchart TD
    A[Issuer provides financial data] --> B[Analyst builds credit model]
    B --> C[Rating committee reviews and votes]
    C --> D[Rating assigned]

flowchart TD
    A[Rating published] --> B[Analyst monitors issuer performance periodically]
    B --> C{Material change detected?}
    C -->|Yes| D[Rating review triggered]
    C -->|No| E[Rating maintained]

flowchart TD
    A[Economic data gathered and analyzed] --> B[Policy committee deliberates]
    B --> C[Rate decision made]
    C --> D[Decision communicated to markets]

flowchart TD
    A[Desk assesses liquidity conditions] --> B[Securities bought or sold in the market]
    B --> C[Impact on money supply monitored]

flowchart TD
    A[Currency demand forecasted] --> B[Production/minting ordered]
    B --> C[Currency distributed to banks]
    C --> D[Worn currency withdrawn and destroyed]

flowchart TD
    A[Examination scheduled for institution] --> B[Examiners review records on-site/remotely]
    B --> C[Findings documented]
    C --> D[Institution required to remediate issues]

flowchart TD
    A[Borrower applies, often in person] --> B[Field officer assesses creditworthiness manually]
    B --> C[Loan approved and disbursed]
    C --> D[Field officer collects repayments in person]

flowchart TD
    A[Borrower group formed] --> B[Group jointly guarantees loans]
    B --> C[Loans disbursed to members]
    C --> D[Group meets regularly to collect repayments]

flowchart TD
    A[Program curriculum developed] --> B[In-person or group training sessions held]
    B --> C[Client understanding assessed informally]