IT

Big Data and Advanced Analytics work on data-driven topics in order to ensure with analytical tools the profitable use of our data sets, supports the KI strategy of the Bank and improves data quality and transparency. Here the framework for data governance and data quality management of the Bank and the corresponding tools and processes are provided.

Big Data for the recording and provision of analytical data, data warehousing, business intelligence software and data science technology.

Sales Analytics as support of distribution through data-driven analyses, artificial intelligence and machine learning.

In the Key Area Office, strategy and transformation processes are initiated and supported and the smooth workflows of organisational and regulatory processes are ensured.

Market Data supplies market data, distributes them within the Commerzbank and automates processes.

AI Solutions and Data Insights develops and operates data and AI-based services to avoid risk, fraud and compliance costs, is responsible for the bank-wide data governance framework and meeting the statutory requirements, and develops the AI strategy of the Bank.

CIO Corporate Clients is responsible for the development and operation of the IT products. Here, processes for corporate clients and Treasury are designed with a focus on payment transactions, trade finance, Treasury and capital market business in order to constantly improve and digitise the clients‘ experience as well as to bundle front-end applications and digital channels and support cash and Treasury management products.

Algorithmic Trading Systems provides stable, modern IT systems as well as interfaces for the electronic trade in foreign currencies, interest derivatives and raw materials and supports distribution and trade.

Corporate Clients Digital Channels is responsible for the strategic digital channels for corporate clients, bundles important front-end applications, manages cash and Treasury management products, offers modern solutions such as the corporate banking app and the external developer portal.

International Business Solutions develops international core banking systems, offers stable user experience and supports the relationship manager in distribution with data analysis tools.

Payment Transactions is responsible for national and international payment transactions as well as network management, market and competition observation, SWIFT infrastructure, payment fraud prevention and regulatory compliance.

Post Trading optimises confirmations, processing, payment and reconciliation processes for trading products, generates nostro / cash postings and ensures regulatory transaction reporting.

Securities and Derivatives Trading Platforms is responsible for the design, provision and maintenance of trading products and support trading, distribution, risk management, pricing, order execution and market data processing.

Trade Finance digitises traditional trade financing and develops the trade financing ecosystem to bridge the gap between exporter and buyer.

Treasury Platforms supports by means of the management of software updates, integration of rules, digitising of processes, implementation of modern technologies and cultivation of vendor relationships in order to ensure effective interest, liquidity and risk management as well as the fulfilment of regulatory requirements.

CIO Office Corporate Clients takes on strategic and regulatory tasks for the CIO Corporate Clients key area.

The CIO private and business clients key area enables a client-oriented offer strategy and is responsible for operative product management - in close cooperation with distribution and operations. Here products and processes are developed and managed for accounts, cards, loans, digital and mobile banking solutions as well as securities services.

Digital Banking Solutions develops, among other things, our banking avatar and is responsible for the mobile banking including the test and release management with the associated mobile security.

Daily Banking includes the financial services and products which allow our clients to process all of the daily banking transactions such as payments, transfers, and account management.

Accounts and Deposits delivers both standardised and complex account and deposit products, manages disposals, and provides the account closure process as well as estate administration.

Cards, New Payments and Transactions is responsible for different offers concerning cards – such as the further development of payment solutions, mobile payment and digital self-services for card processes.

Securities Products develops client, product and advice processes for securities and wealth management services.

Securities Processes operates and optimises order management including the professional control and processing. This also includes order executions, security transaction statements and capital measures.

Credit Products mainly delivers the digital lending route for our clients as well as the products and processes of various types of loans.

Risk Solutions provides functionalities in the lending process for various front-ends, including basic and risk services, standard rates, documentation and data warehouse.

Loan and Restructuring Solutions is responsible for the processing platforms for loan products, including the presentation of the loan risks and process monitoring for loan monitoring.

Key Area Office assumes strategic, architectural, control and cross-disciplinary tasks for the entire delivery organisation.

Cross Functions records, organises and manages personnel and client master data, develops core systems, stores data in accordance with EU-DSGVO and sets standards for client portals. Additionally, we automate document-related and paper-based services as well as KYC processes.

Customer Data Management records, organises and manages personnel and client master data, develops core systems and ensures their availability, storage and deletion of data in accordance with EU-DSGVO, secures the data quality and uses Cloud technologies for better scalability and flexibility.

Customer Relationship Management develops technical systems, which make available the information necessary for the clients and thus relieves the distribution units of the burden of administrative client-related tasks.

Cross Channel Services develops technical applications as the central knowledge base for clients, platforms for clients and distribution portals and sets uniform standards for content, consent management and user interfaces.

Document Lifecycle provides document-related services and advances the digitising and automating of paper-based processes.

Know Your Customer (KYC) optimises the client experience with reference to KYC processes and client identity proofs through the digitising and automating of paper-based processes.

Key Area Office provides support during the controlling with a view to strategic, controlling and communicative tasks.

comdirect Delivery unifies all units of the delivery organisation for the comdirect and onvista bank trademarks. In addition, essential products for the enabling and optimising of the client dialogue are delivered, which contribute to the overall bank trademark strategy of the Commerzbank and comdirect.

comdirect IT operates and is responsible for forward-looking IT products, develops frameworks, builds pipelines and data models.

Brokerage bundles further development and support of the system landscape for online brokerage offers of the comdirect and onvista bank.

Dialog Systems focuses on the dialogue between clients and the Bank.

In the Key Area-Office multi-year planning, budget control, reporting and comdirect delivery occur.

Tech Foundations is an integral part of the delivery organisation, operates the IT infrastructure of the Bank and provides innovative technologies. With forward-looking innovations, the technology foundation of the Bank is expanded, enabling accelerated and standardised software development. Then there can be a rapid and flexible response to the needs of the clients.

Key Area Management and Coordination is responsible for the strategic control of Tech Foundations, which includes the personnel control, job descriptions, management of structural changes, committee work and internal communication.

New Mainframe as a future-oriented platform is an integral part and the backbone of the IT platforms and secures the stability of the digital client experiences.

Business Connectivity promotes open banking initiatives, operates API and DLT platforms and builds competence centers for the key API, DLT, Kafka, MFT and MQ technologies.

Cloud Foundation allows the delivery organisation to use the full potential of modern Cloud technologies and thus represents the technology basis for the digital transformation.

Continuous Integration/Continuous Deployment Commerzbank Hyper Acceleration Master Pipeline develops our own in-house solution for accelerated software development.

Data Center and Base Infrastructure provides IT infrastructure services as the basis for the Bank operation.

Middleware and Environments provides the technological basis for the application integration, process automation and testing of the Bank applications.

Operations and Monitoring covers the entire delivery organisation and is responsible for the incident, problem, request and change management processes and for IT service continuity management.

Digital Workplace supports our colleagues with technologies concerning their own workplace such as hardware equipment, applications, SharePoint Online and telephones.

Cyber Defense and Base Services protects the Bank from cyberthreats and delivers and monitors the local infrastructure for the international bank business.