{"id":7145,"date":"2026-03-09T13:24:56","date_gmt":"2026-03-09T12:24:56","guid":{"rendered":"https:\/\/onlu.ch\/automating-deposit-protection-how-cib-flow-is-digitizing-the-crisis-process-for-swiss-banks\/"},"modified":"2026-04-13T09:26:46","modified_gmt":"2026-04-13T07:26:46","slug":"automating-deposit-protection-how-cib-flow-is-digitizing-the-crisis-process-for-swiss-banks","status":"publish","type":"post","link":"https:\/\/onlu.ch\/en\/automating-deposit-protection-how-cib-flow-is-digitizing-the-crisis-process-for-swiss-banks\/","title":{"rendered":"Automating deposit protection: How CIB Flow is digitizing the crisis process for Swiss banks"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7145\" class=\"elementor elementor-7145 elementor-6964\" data-elementor-settings=\"{&quot;element_pack_global_tooltip_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27fe4b9f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27fe4b9f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5da0dd35\" data-id=\"5da0dd35\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-103cd8c3 elementor-widget elementor-widget-text-editor\" data-id=\"103cd8c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Deposit protection what is covered by the scope?<\/h2><p>First of all, a conceptual distinction that is often overlooked in practice: In regulatory terms, <strong>deposit protection<\/strong> refers to account balances, i.e. savings accounts, salaries and fixed-term deposits. <strong>Deposits<\/strong> such as shares, bonds or fund units are customer property and are separated from the assets in the event of bankruptcy. They therefore do not fall within the scope of this process. <\/p><p>Below the complete process: Data provision =&gt; Contacting =&gt; Instruction &amp; validation =&gt; Payment &amp; completion:<\/p><p><iframe style=\"border: 1px #FFFFFF none;\" title=\"iFrame\" src=\"https:\/\/zins-hunter2.vercel.app\/einlagensicherung\" width=\"100%\" height=\"600px\" frameborder=\"no\" scrolling=\"no\"><\/iframe><\/p><p>The focus is on secured deposits of up to CHF 100,000 per depositor and bank. In the case of joint accounts or complex structures (foundations, pension assets), correct allocation quickly becomes a challenge. <\/p><h2 data-pm-slice=\"0 0 []\">The ONLU Digital Agent takes over the complex contacting process for the bank<\/h2><p><iframe style=\"border: 1px #FFFFFF none;\" title=\"iFrame\" src=\"https:\/\/zins-hunter2.vercel.app\/einlagensicherung\/kontaktierung\" width=\"100%\" height=\"600px\" frameborder=\"no\" scrolling=\"no\"><\/iframe><\/p><h2>Legal framework: The three-tier protection system<\/h2><p>Swiss depositor protection is based on a three-tier system:<\/p><ol><li style=\"list-style-type: none;\"><ol><li>Immediate payout of privileged deposits, provided the bank has liquidity available.<\/li><li>Deposit protection via esisuisse: rapid advance payment if bank liquidity is insufficient.<\/li><li>2nd class bankruptcy privilege up to CHF 100,000 in regular bankruptcy proceedings.<\/li><\/ol><\/li><\/ol><p>The <strong>partial revision of the Banking Act (AS 2022 732)<\/strong> has shortened the deadline for the provision of funds by esisuisse from 20 to <strong>7 working days<\/strong>. The FINMA representative or bankruptcy liquidator must then contact the depositors immediately, obtain payment instructions and pay them out within a further 7 working days at the latest. <\/p><figure><table><tbody><tr><td><strong>Practical relevance: <\/strong>For a medium-sized bank with 50,000 depositors, this means thousands of contacts, IBAN validations and payments &#8211; all under extreme time pressure and under the watchful eye of FINMA.<\/td><\/tr><\/tbody><\/table><\/figure><h2>Why preparation is mandatory<\/h2><p>The Banking Ordinance explicitly obliges institutions to <strong>take preparatory measures<\/strong>: IT systems, personnel and standardized processes must be set up in such a way that everything runs smoothly in the event of a crisis. At the heart of the preparations is a <strong>master file<\/strong> or a <strong>single customer view<\/strong>, the ability to display all customer relationships in a consolidated form, including joint accounts, security interests and clearing positions. <\/p><p><strong>G<\/strong><b>his is exactly where our ONLU Digital Agent with CIB Flow-Use-Case comes in: We automate not only the actual payout process, but also the entire lifecycle from data extraction and communication through to the auditable evidence pack.<\/b><\/p><h2>Market situation: No standard product in sight<\/h2><p>There is simply no ready-made &#8220;Deposit Insurance Processor&#8221; as a standard product for the Swiss market. What does exist are individual modules: <\/p><ul><li style=\"list-style-type: none;\"><ul><li><strong>OCR\/IDP<\/strong> (Intelligent Document Processing): ABBYY, Tungsten\/Kofax, UiPath, Azure Document Intelligence<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li><strong>BPM\/Case Management<\/strong>: Camunda, Flowable, Appian, Pega, IBM<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li><strong>Avaloq-related solutions<\/strong>: Relutions AG (have Deposit Guarantee Scheme as a field of experience)<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li><strong>RegTech<\/strong>: IRIS (DIS platform, primarily reporting focus)<\/li><\/ul><\/li><\/ul><p>The potential for differentiation is considerable: a <strong>BPMN blueprint<\/strong> that combines Avaloq extraction, IDP\/OCR, payment integration and omnichannel messaging in an end-to-end workflow would be a clear product approach &#8211; and that is exactly what we offer.<\/p><h2>The ONLU CIB Flow process in detail<\/h2><p>The end-to-end process maps the entire process chain, from the crisis report to the final report. The following description is based on the BPMN diagram that we use as a blueprint for implementation projects. <\/p><h3>Phase 1: Trigger and data provision<\/h3><p>The process starts with the FINMA order (protective measure or bankruptcy order). CIB Flow automatically triggers the <strong>master file extract<\/strong> from the core banking system &#8211; in most Swiss banks Avaloq\/ Finnova\/ Finstar\/ Temenos. All relevant positions are consolidated for each depositor:  <\/p><ul><li style=\"list-style-type: none;\"><ul><li>Account balances (savings, salary, fixed-term deposit accounts)<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li>Joint accounts (pro rata allocation)<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li>Security interests and offsetting items<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li>Privileged deposits pursuant to BankA Art. 37a<\/li><\/ul><\/li><\/ul><p>The result is the <strong>Single Customer View<\/strong> with the exact payout amount per depositor, capped at CHF 100,000.<\/p><h3>Phase 2: Omnichannel contacting<\/h3><p>ONLU CIB Flow checks the available contact data and selects the optimum channel:<\/p><ul><li style=\"list-style-type: none;\"><ul><li><strong>Digital path<\/strong>: E-mail and SMS with secure link for online instruction entry including legally secure digital signature:<br>\ud83d\udc49 Test it \ud83d\udc49 <a href=\"https:\/\/doxiview.com\/showcase\/?locale=en#en&amp;feature=sign\">here<\/a><\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li><strong>Postal path<\/strong>: Letter with QR code that leads to the same online form, <br>or physical return of the document, which is then fully digitized by OCR and processed further for instruction.<\/li><\/ul><\/li><\/ul><p>This dual approach maximizes accessibility and ensures that customers without a registered e-mail address or e-banking are also informed promptly. ONLU CIB Flow automatically tracks which depositors have responded and escalates if there is no response. <\/p><h3>Phase 3: Instruction and validation<\/h3><p>Depositors enter their target IBAN via the online form (or via reply form). ONLU CIB Flow takes over the <strong>automatic validation<\/strong>: <\/p><ul><li style=\"list-style-type: none;\"><ul><li>IBAN check digit and format validation<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li>Sanctions screening (compliance check)<\/li><\/ul><\/li><\/ul><ul><li style=\"list-style-type: none;\"><ul><li>Duplicate check (multiple instructions from the same inserter)<\/li><\/ul><\/li><\/ul><p>If the IBAN is invalid, a query is automatically sent to the depositor &#8211; the process jumps back to the instruction phase until a valid IBAN is available.<\/p><h3>Phase 4: Payment and reconciliation<\/h3><p>Validated instructions are combined into a <strong>collective payment run<\/strong> and executed via SIC (Swiss Interbank Clearing) or euroSIC. This is followed by automatic <strong>reconciliation<\/strong>: target\/actual comparison, identification of incorrect payments and returns. <\/p><h3>Phase 5: Evidence pack and reporting<\/h3><p>In the final step, ONLU CIB Flow generates an <strong>audit-proof evidence pack<\/strong>: all process logs, payment documents, timestamps and proof of communication in a structured dossier. This serves as the basis for <strong>final reporting to FINMA and esisuisse<\/strong>. <\/p><h2>Main risks and how we counter them<\/h2><figure><table><tbody><tr><td><strong>Risk<\/strong><\/td><td><strong>Mitigation through CIB Flow<\/strong><\/td><\/tr><tr><td><strong>Data quality<\/strong><\/td><td>Automated plausibility checks during master file import; rule-based allocation of joint accounts<\/td><\/tr><tr><td><strong>Contactability<\/strong><\/td><td>Omnichannel strategy with escalation logic (e-mail \u2192 SMS \u2192 letter \u2192 manual follow-up)<\/td><\/tr><tr><td><strong>Peak Load<\/strong><\/td><td>Cloud-native architecture on OpenShift\/ARO; horizontal scaling in the event of a crisis<\/td><\/tr><tr><td><strong>Security \/ Insider Risk<\/strong><\/td><td>Role-based access, dual control principle for payment approval, complete audit trail<\/td><\/tr><tr><td><strong>Time pressure (7-day deadline)<\/strong><\/td><td>SLA monitoring with real-time dashboard; automatic escalation in case of deadline risk<\/td><\/tr><\/tbody><\/table><\/figure><h2><span style=\"letter-spacing: -1.08px;\">Conclusion: preparation is not an option but a must<\/span><\/h2><p>The stricter deadlines of the revised Banking Act and the explicit obligation to take preparatory action make one thing clear: anyone who has not automated the end-to-end deposit protection process risks not only missing deadlines in the event of a crisis, but also reputational damage and regulatory consequences.<\/p><p>With ONLU CIB Flow as a BPMN-based workflow engine, deeply integrated with Avaloq and Finnova and the relevant payment systems, ONLU offers an approach that goes beyond individual modules: <strong>an end-to-end, auditable process from the crisis report to the Evidence Pack<\/strong>.<\/p><p> <\/p><p><iframe style=\"width: 100%; height: 180px; border: none;\" src=\"https:\/\/zins-hunter2.vercel.app\/einlagensicherung\/vergleich?section=assumptions&amp;lang=de&amp;size=0\"><\/iframe><\/p><p><iframe style=\"width: 100%; height: 540px; border: none;\" src=\"https:\/\/zins-hunter2.vercel.app\/einlagensicherung\/vergleich?section=qualitative&amp;lang=de&amp;size=0\"><\/iframe><\/p><p><iframe style=\"width: 100%; height: 480px; border: none;\" src=\"https:\/\/zins-hunter2.vercel.app\/einlagensicherung\/vergleich?section=cta&amp;lang=de&amp;size=0\"><\/iframe><\/p><h2>Interested?<\/h2><h4>We would be happy to show you in a demo what the process in CIB Flow looks like or start directly with an <a href=\"https:\/\/zins-hunter2.vercel.app\/einlagensicherung\/vergleich\" target=\"_blank\" rel=\"noopener\">analysis phase<\/a> for your bank<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb247b2 elementor-widget elementor-widget-bdt-calendly\" data-id=\"eb247b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdt-calendly.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\n\t\t\t<div class=\"calendly-inline-widget\" data-url=\"https:\/\/calendly.com\/tommyongena\/?\" style=\"min-width:320px;\"><\/div>\n\n\t\t\t<script type=\"text\/javascript\" src=\"https:\/\/assets.calendly.com\/assets\/external\/widget.js\"><\/script>\n\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>When a bank gets into difficulties, every day counts. Swiss depositor protection requires that secured deposits of up to CHF 100,000 are paid out within 7 working days. This is almost impossible to achieve without automated processes. This article shows how the end-to-end process can be mapped using CIB Flow as a workflow engine &#8211; from the master file extract to the evidence pack.   <\/p>\n","protected":false},"author":15,"featured_media":5591,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[95,1],"tags":[],"class_list":["post-7145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-nicht-kategorisiert"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Automating deposit protection: How CIB Flow is digitizing the crisis process for Swiss banks - ONLU AG<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/onlu.ch\/en\/automating-deposit-protection-how-cib-flow-is-digitizing-the-crisis-process-for-swiss-banks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Automating deposit protection: How CIB Flow is digitizing the crisis process for Swiss banks - ONLU AG\" \/>\n<meta property=\"og:description\" content=\"When a bank gets into difficulties, every day counts. Swiss depositor protection requires that secured deposits of up to CHF 100,000 are paid out within 7 working days. This is almost impossible to achieve without automated processes. 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