Cognizant's Wholesale Banking practice covers Commercial Lending, Treasury/Cash Management Services, Trade Finance, and Messaging and Payment Solutions, with strong support from technology and product competencies, including AS400, ACBS, Imaging and Workflow, and CRM competencies.

Our solution offering in Commercial Lending maximizes our ACBS competencies and spans the entire value chain - from loan origination to loan servicing.

Our Cash Management experience includes Automated Clearing House (ACH) operations, Electronic Bill Presentment and Payment (EBPP), Cash Collection Services, Lockbox Services, and Image-based Transactions. We have extensive expertise in cross-border payment solutions, both in International Account Clearing House and Vostro/Nostro account maintenance. We have also provided Internet-based Payment Solutions.

Cognizant's experience profile in Financial Messaging solutions includes SWIFTNET and EDI. OFAC Checking is a cumbersome but critical activity for banks, especially while handling the millions of payments flowing through its systems. Cognizant has developed an effective solution framework for OFAC Checking that simplifies a large part of this cumbersome process.