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Supe
rcha
rged
Ana
lytics
2011
Case
Stud
y:
Cana
dian I
mper
ial B
ank o
f Com
merce
For
wha
t m
atte
rs.
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
ight
s R
eser
ved
203
0-20
11
•C
anad
ian
Im
peri
al B
ank
of C
omm
erce
(C
IBC
) is
a le
adin
gC
anad
ian
-bas
ed f
inan
cial
inst
itu
tion
•w
e of
fer
a fu
ll ra
nge
of
prod
uct
s an
d se
rvic
es t
o n
earl
y 11
mill
ion
indi
vidu
als
and
smal
l bu
sin
esse
s, c
orpo
rate
an
din
stit
uti
onal
clie
nts
•A
t ye
ar-e
nd
(Oct
ober
31
, 20
10
):•
Mar
ket
capi
taliz
atio
n w
as $
30
.7 b
illio
n•
Tier
1 c
apit
al r
atio
was
13
.9%
•em
ploy
ed m
ore
than
42
,00
0 e
mpl
oyee
s w
orld
wid
e•
clos
e to
1,1
00
bra
nch
es in
Can
ada
and
nea
rly
4,0
00
AB
Ms
•C
onst
itu
ent
of t
he
Dow
Jon
es W
orld
In
dex
(DJS
I)fo
r n
ine
con
secu
tive
yea
rs (
one
of 2
5 b
anks
wor
ldw
ide)
Abo
ut
CIB
C
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
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eser
ved
303
0-20
11
Toda
y’s
Dis
cuss
ion
•O
verv
iew
–R
isk
Man
agem
ent
An
alyt
ics
•Th
e O
ppor
tun
ity
•M
akin
g It
Hap
pen
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
ight
s R
eser
ved
403
0-20
11
Ove
rvie
w -
Ris
k M
anag
emen
t A
nal
ytic
s•
Key
acc
oun
tabi
litie
s of
Ris
k M
anag
emen
t A
nal
ytic
s in
clu
de:
•ac
quir
ing
rele
van
t, a
ccu
rate
, com
plet
e an
d ti
mel
y ri
sk d
ata
•m
anag
ing
defa
ult
eve
nt
his
tory
an
d w
rite
-off
s /
reco
veri
es
•de
velo
pin
g an
d m
onit
orin
g pe
rfor
man
ce o
f ri
sk m
odel
s•
mod
elin
g m
ult
iple
bu
sin
ess
scen
ario
s•
esta
blis
hin
g B
asel
II
/ B
asel
III
Fra
mew
ork
para
met
ers
•m
easu
rin
g pe
rfor
man
ce o
f po
rtfo
lios
of a
sset
s
•su
ppor
tin
g bu
sin
ess
prog
ram
s w
ith
ris
k da
ta in
sigh
ts
•re
gula
tory
an
d m
anag
emen
t re
port
ing
•m
onit
orin
g co
mpl
ian
ce t
o en
terp
rise
ris
k po
licie
s an
d st
anda
rds
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
ight
s R
eser
ved
503
0-20
11
•Ti
mel
ines
s•
to d
evel
op a
nd
depl
oy a
nal
ytic
an
d B
I ap
plic
atio
ns
•Ef
fici
ent
and
Effe
ctiv
e M
anag
emen
t of
Ris
k D
ata
•m
ovem
ent
of la
rge
volu
mes
of
data
•re
dun
dan
cy (
sam
e ve
rsio
n?)
of
data
acr
oss
proj
ects
•se
curi
ty a
cces
s an
d co
ntr
ols
•R
esou
rce-
inte
nsi
ve•
deve
lopm
ent
and
test
ing
of p
redi
ctiv
e m
odel
s is
iter
ativ
e
Key
Ch
alle
nge
s
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
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s R
eser
ved
603
0-20
11
Ris
k M
anag
emen
t A
nal
ytic
“R
oad
Map
”
Iden
tify
req
uir
ed c
han
ges
in b
usi
nes
s pr
oces
ses,
su
ppor
ted
by t
ools
an
d ro
bust
, sca
labl
e in
fras
tru
ctu
re
•sh
orte
n t
he
load
tim
es f
or la
rge
volu
mes
of
sou
rce
data
•im
prov
e pr
oces
sin
g ca
pabi
lity
of D
BM
S /
data
base
ser
ver
•u
pdat
e SA
S to
ols
to le
vera
ge la
test
fu
nct
ion
alit
y
•op
tim
ize
the
dist
ribu
tion
of
wor
k be
twee
n t
he
SAS
App
licat
ion
ser
ver
and
the
DB
MS
/ da
taba
se s
erve
r
•re
duce
ope
rati
ng
cost
s
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
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703
0-20
11
Key
Ele
men
ts o
f th
e So
luti
on
•In
-Dat
abas
e P
roce
ssin
g
•D
ata
War
ehou
se A
pplia
nce
•C
han
gin
g th
e M
inds
et a
nd
Bu
sin
ess
Pro
cess
es
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
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eser
ved
803
0-20
11
Wh
at is
In
-Dat
abas
e P
roce
ssin
g?
•w
ith
con
ven
tion
al S
AS
–D
BM
S im
plem
enta
tion
, mos
t of
th
e pr
oces
sin
g is
don
e by
th
e SA
S pr
oced
ure
•w
ith
in-d
atab
ase
proc
essi
ng,
en
able
d* S
AS
fun
ctio
ns
push
mor
e of
th
e pr
oces
sin
g to
th
e D
BM
S
* u
sin
g SA
S/A
CC
ESS
9.1
.3 f
or N
etez
za, t
her
e ar
e cu
rren
tly
60
su
ppor
ted
SA
S fu
nct
ion
s
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
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s R
eser
ved
903
0-20
11
AN
EX
AM
PLE
USI
NG
SA
S/A
CC
ESS:
Pro
c SQ
L;C
reat
e ta
ble
Res
ult
s as
Se
lect
coa
lesc
eco
ales
ce(t
able
_A.b
alan
ce,
tabl
e_B
,bal
ance
, ta
ble_
C.b
alan
ce)
as O
S_ba
lan
ceFr
om T
able
_A, T
able
_B, T
able
_CW
her
e Ta
ble_
A.c
ust
omer
=
Tabl
e_B
.cu
stom
eran
d Ta
ble_
B.c
ust
omer
=
Tabl
e_C
.cu
stom
er;
Qu
it;
Exam
ple:
Acc
eler
atin
g D
ata
Expl
orat
ion
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
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s R
eser
ved
1003
0-20
11
•A
Dat
a W
areh
ouse
App
lian
ce (
DW
A)
is p
urp
ose-
built
, in
tegr
atin
g da
taba
se, s
erve
r, a
nd
stor
age
in o
ne
com
pact
sy
stem
•O
ptim
ized
for
pro
cess
ing
“in
bu
lk”
vs. t
ran
sact
ion
pro
cess
ing
•A
rch
itec
ture
pri
nci
ples
incl
ude
:•
proc
essi
ng
clos
e to
th
e da
ta s
ourc
e
•ba
lan
ced,
mas
sive
ly p
aral
lel a
rch
itec
ture
•pl
atfo
rm is
en
gin
eere
d fo
r ad
van
ced
anal
ytic
s•
appl
ian
ce s
impl
icit
y vs
. tra
diti
onal
sep
arat
e co
mpo
nen
ts•
extr
eme
scal
abili
ty o
f in
tern
al s
tora
ge c
apac
ity
•A
dver
tise
d pe
rfor
man
ce g
ain
s of
10
x t
o 1
00
x ba
selin
e
Wh
at I
s A
Dat
a W
areh
ouse
App
lian
ce ?
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
ight
s R
eser
ved
1103
0-20
11
Leve
ragi
ng
Pow
er o
f SA
S an
d th
e D
WA
To le
vera
ge t
he
anal
ytic
pow
er o
f SA
S an
d th
e in
-dat
abas
e pr
oces
sin
g ca
pabi
litie
s of
th
e h
igh
per
form
ance
Net
ezza
DW
A:
•u
se t
he
SQL
pass
-th
rou
gh f
acili
ty•
subm
it R
DB
MS-
spec
ific
SQ
L st
atem
ents
th
at a
re s
ent
dire
ctly
to
the
DB
MS
for
exec
uti
on
•u
se t
he
SAS/
AC
CES
S LI
BN
AM
E st
atem
ent
and
PR
OC
SQ
L•
subm
it S
AS
stat
emen
ts t
hat
SA
S/A
CC
ESS
tran
slat
esin
to t
he
SQL
of t
he
RD
BM
S an
d th
e pa
sses
to
DB
MS
for
proc
essi
ng
•SA
S/A
CC
ESS
9.1
.3 f
or N
etez
zain
clu
des
60
fu
nct
ion
s
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
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eser
ved
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0-20
11
The
Roa
d to
Im
plem
enta
tion
•O
n-s
ite
Pro
of o
f C
once
pt w
ith
DW
A
•B
usi
nes
s C
ase
for
the
inve
stm
ent
•Im
plem
enta
tion
pla
nn
ing
•“G
o-Li
ve”
into
Pro
duct
ion
•O
ptim
ize
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
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ll R
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ved
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0-20
11
Impl
emen
tati
on P
lan
The
key
elem
ents
of
the
impl
emen
tati
on p
lan
incl
ude
:
•in
stal
l an
d te
st t
he
DEV
/UA
T N
etez
zaD
WA
•n
ew o
pera
tion
s su
ppor
t m
odel
wit
h t
ech
nol
ogy
grou
ps
and
the
ven
dor
•in
stal
l an
d te
st t
he
PR
OD
Net
ezza
DW
A w
ith
SA
S 9
.1.3
•m
igra
te S
QL
data
base
s to
new
Net
ezza
data
base
s
•bu
ild a
new
SA
S A
pplic
atio
n S
erve
r (3
2 b
it -
> 6
4 b
it O
S)
•u
pgra
de a
nal
ytic
app
licat
ion
s to
th
e SA
S 9
.2 c
ompo
nen
ts
•op
tim
ize
appl
icat
ion
s
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
ight
s R
eser
ved
1403
0-20
11
Wh
at D
id W
e Le
arn
?
•U
sin
g SA
S pa
ss-t
hro
ugh
SQ
L an
d SA
S/A
CC
ESS
prov
ides
si
gnif
ican
t pe
rfor
man
ce g
ain
s u
sin
g th
e N
etez
zaD
WA
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
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eser
ved
1503
0-20
11
Usi
ng
12
yea
rs o
f m
onth
ly a
ccou
nt
leve
l cre
dit
card
dat
a (~
58
0 m
illio
n r
ows)
Join
tw
o la
rge
tabl
es o
f cr
edit
car
d da
ta, o
n t
wo
com
mon
fie
lds
Ask
for
:•
Nu
mbe
r of
acc
oun
ts a
nd
aver
age
uti
lizat
ion
am
oun
t•
Tota
l an
d av
erag
e ou
tsta
ndi
ng
bala
nce
at
mon
th e
nd
and
stat
emen
t da
te•
Nu
mbe
r an
d pe
rcen
tage
of
“goo
d”an
d “b
ad”
acco
un
ts•
Cu
rren
t C
redi
t B
ure
au s
core
an
d cu
rren
t ac
cou
nt
Beh
avio
ur
Scor
e-
min
imu
m, m
axim
um
an
d av
erag
e-
Per
cen
tage
of
acco
un
ts w
ith
mis
sin
g, z
ero,
an
d n
on-z
ero
scor
es
Gro
up
Res
ult
s by
Mon
th-E
nd
Dat
e
Rep
ort
by C
ard
Gro
upi
ng
and
Mon
th-E
nd
Dat
e
Per
form
ance
Exa
mpl
e
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
ight
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eser
ved
1603
0-20
11
Usi
ng
12
yea
rs o
f m
onth
ly a
ccou
nt
leve
l cre
dit
card
dat
a (~
58
0 m
illio
n r
ows)
Join
tw
o la
rge
tabl
es o
f cr
edit
car
d da
ta, o
n t
wo
com
mon
fie
lds
Ask
for
:•
Nu
mbe
r of
acc
oun
ts a
nd
aver
age
uti
lizat
ion
am
oun
t•
Tota
l an
d av
erag
e ou
tsta
ndi
ng
bala
nce
at
mon
th e
nd
and
stat
emen
t da
te•
Nu
mbe
r an
d pe
rcen
tage
of
“goo
d”an
d “b
ad”
acco
un
ts•
Cu
rren
t C
redi
t B
ure
au s
core
an
d cu
rren
t ac
cou
nt
Beh
avio
ur
Scor
e-
min
imu
m, m
axim
um
an
d av
erag
e-
Per
cen
tage
of
acco
un
ts w
ith
mis
sin
g, z
ero,
an
d n
on-z
ero
scor
es
Gro
up
Res
ult
s by
Mon
th-E
nd
Dat
e
Rep
ort
by C
ard
Gro
upi
ng
and
Mon
th-E
nd
Dat
e
70 x
fast
er70
x fa
ster
Per
form
ance
Exa
mpl
e
Banking, Financial Services and InsuranceSAS Global Forum 2011
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201
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ll R
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eser
ved
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0-20
11
Wh
at D
id W
e Le
arn
?
•U
sin
g SA
S pa
ss-t
hro
ugh
SQ
L an
d SA
S/A
CC
ESS
prov
ides
si
gnif
ican
t pe
rfor
man
ce g
ain
s u
sin
g th
e N
etez
zaD
WA
•B
reak
-th
rou
gh p
erfo
rman
ce r
equ
ires
ch
angi
ng
how
we
thin
k ab
out
how
to
expl
ore
the
data
-m
ove
from
tra
nsa
ctio
ns
to b
ulk
Banking, Financial Services and InsuranceSAS Global Forum 2011
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Ch
angi
ng
the
Min
d Se
t
•th
e N
etez
zaD
WA
is n
ot a
tra
nsa
ctio
n s
yste
m –
it d
eals
in b
ulk
•th
ink
abou
t w
hat
can
be
proc
esse
d “i
n b
ulk
”
•th
e N
etez
zaD
WA
can
pro
cess
mill
ion
s of
row
s pe
r se
con
d
•fo
r ex
ampl
e,•
bulk
load
a b
ig s
et o
f da
ta in
to o
ne
or m
ore
stag
ing
tabl
es•
proc
ess
the
data
usi
ng
SQL
in b
ulk
ope
rati
ons
•lo
ad t
he
resu
lts
into
you
r ta
rget
tab
les
•th
is is
a d
iffe
ren
t m
inds
et t
han
“ro
w a
t a
tim
e pr
oces
sin
g”
Banking, Financial Services and InsuranceSAS Global Forum 2011
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Tran
sact
ion
s vs
. Bu
lk
CU
RR
ENT
STO
RED
PR
OC
EDU
RE
USI
NG
SA
S •
Rea
d a
tabl
e of
1 m
illio
n r
ecor
ds o
n D
BM
S (O
racl
e)•
For
each
rec
ord,
app
ly 4
bu
sin
ess
rule
s in
SA
S•
This
en
tire
pro
cess
tak
es h
ours
of
tim
e
USI
NG
TH
E N
ETEZ
ZA D
WA
•R
ead
a ta
ble
of 1
mill
ion
rec
ords
on
DB
MS
(Ora
cle)
into
DW
A•
Pro
cess
all
1 m
illio
n r
ecor
ds t
hro
ugh
th
e fi
rst
busi
nes
s ru
le
on D
WA
•Th
en p
roce
ss a
ll 1
mill
ion
rec
ords
th
rou
gh t
he
nex
t ru
le, e
tc.
•Th
is e
nti
re p
roce
ss t
akes
mer
e se
con
ds
ILLU
STR
ATI
VE
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
ight
s R
eser
ved
2003
0-20
11
oTh
e fu
ture
for
“su
perc
har
ged”
anal
ytic
s in
clu
des
in-d
atab
ase
proc
essi
ng
usi
ng
scal
able
, hig
h p
erfo
rman
ce
data
war
ehou
se a
pplia
nce
s an
d “m
ade-
to-f
it”
anal
ytic
to
ols
oTh
e st
ated
str
ateg
ic d
irec
tion
of
SAS
Inst
itu
te I
nc.
is t
o co
nti
nu
e to
inte
grat
e SA
S pr
oced
ure
s w
ith
dat
a w
areh
ouse
app
lian
ces
to le
vera
ge t
his
cap
abili
ty
oB
usi
nes
s pr
oces
ses
may
nee
d to
ch
ange
to
fully
leve
rage
th
is n
ew c
apab
ility
oFo
r C
IBC
, th
ere
is a
goo
d “p
ayba
ck”
for
this
inve
stm
ent
Sum
mar
y
Banking, Financial Services and InsuranceSAS Global Forum 2011
For
wha
t m
atte
rs.
©C
IBC
201
1 A
ll R
ight
s R
eser
ved
2103
0-20
11
Than
k Y
ouTh
ank
You
con
tact
: r
ick.
mill
er@
cibc
.ca
Banking, Financial Services and InsuranceSAS Global Forum 2011