I. Standardized & Centralized Customer Information Management
1. Customer Information Standards Framework
Establishes unified data standards to cover three core categories, ensuring consistency across systems with clear field formats and validation rules:
· Basic Information: Customer identifiers, ID documents.
· Associated Parties: Legal representatives, controlling shareholders, beneficial owners.
· Risk Information: Suitability ratings, AML risk indicators.
· Validation Rules: Includes auto-conversion of 15-digit to 18-digit ID formats.
2. Legacy Data Governance & Migration
Consolidates data from multiple systems into a centralized database to improve data quality:
· Data Cleansing: Deduplication and completion.
· Data Transformation: Standardized formatting.
· Data Consolidation: Automatic detection and merging of duplicate customer records.
· System Coverage: Hundsun system, OTC systems, subsidiaries, etc.
· Unified Customer ID Framework
Implements dual ID identification with mapping for unique cross-system recognition:
· Two Types of IDs: Customer Center ID (based on three identifiers) and UID (based on broader entity recognition).
· Mapping: Establishes correspondence between “three identifiers – Customer Center ID – UID.”
II. Real-Time Multi-Channel Information Sharing & Collaboration
· Online Service Functions
Provides multi-dimensional APIs for real-time access by business systems:
· Core Functions: Query, create, update, and deactivate customer information (basic, associated parties, risk ratings, etc.).
· Identification Dimensions: Supports lookup by Customer Center ID, three identifiers, or source system customer number.
· Change Broadcasting Mechanism
Ensures automatic synchronization of customer information updates, minimizing manual intervention:
· Trigger: Activated when key fields (e.g., phone number, risk rating) change.
· Execution: System broadcasts notifications to subscribed downstream systems (CRM, risk control platform).
3. Batch Data Processing
Supports large-scale data operations for offline and cross-system requirements:
· Batch Import: Daily full synchronization of business registration, tax data, etc.
· Batch Export: Export of addresses, suitability information, etc.
· Value: Enhances efficiency for large-volume processing, supporting offline analysis and reconciliation.
III. Unified Customer View & Precision Operations
1. 360° Customer Profile Integration
Builds a holistic view for one-stop customer manager queries:
· Scope: Basic details, contact info, associated party network (directors, controllers), risk data (AML ratings, blacklist flags), product holdings (asset managers, custodians), etc.
2. Similar Customer Identification & Merging
Reduces duplicate records to improve accuracy:
· Identification: End-of-day batch scan detects similar customers (e.g., same ID number but different names).
· Process: Generates a list of potential duplicates for manual review and merging.
3. Customer Relationship Discovery
Uncovers connections for business expansion and risk analysis:
· Dimensions: Personal identifiers, phone + name combinations, etc.
· Types: Links between individuals and institutions (e.g., individual as company director), product-to-manager relationships.
· Application: Enables cross-selling and risk penetration analysis.
IV. Compliance & Permission Control
1. Granular Information Permissions
Enables controlled sharing of sensitive data to ensure security:
· Configuration: Permissions defined at system and field level (e.g., contact info visible only to originating system, suitability data shared at HQ).
· Enforcement: Dual-layer control via API and page access.
2. Non-Resident Tax Information Management
Meets international compliance requirements (FATCA/CRS):
· Collection: Gathers personal/institutional tax-residency data (e.g., country of residence, taxpayer ID).
· Support: Provides full coverage updates and historical tracking.
3. Audit Trail & Logging
Ensures full traceability of customer data operations:
· Content: Logs all creation, modification, and query activities, including operator, timestamp, and source system.
· Purpose: Enables compliance audits and issue tracing.
