LOGISTICS AND COMPLIANCE TOOLS FOR OPERATIONAL MANAGEMENT OF BANK DEPOSIT PRODUCTS

Abstract

In the context of growing competition within the financial sector and increasing regulatory pressure, modern banks face the urgent need to ensure both the operational efficiency and legal compliance of their activities. Deposit products, as one of the key instruments for attracting financial resources, require a comprehensive approach that considers not only their financial attractiveness but also the security, transparency, and efficiency of the processes governing their delivery. This study focuses on the integration of compliance mechanisms into the process-functional model of operational management for bank deposit products at the key stages of the related logistical processes.
The article analyzes the theoretical foundations of banking logistics and compliance policy, explores current trends in the regulation and digital transformation of the banking sector, and substantiates the necessity of a systemic approach to deposit management. Special attention is paid to the coordination among compliance units, IT departments, and operational divisions, which is essential for timely monitoring, risk management, and ensuring customer trust. The research proposes a structured model of operational management for bank deposit products, identifying core stages and integration points for compliance mechanisms within related logistical processes.
As a result of this study, the author develops an integrated model that reflects the practical combination of logistical efficiency and compliance requirements in deposit operations. This model is aimed at assisting banks in reducing the likelihood of regulatory breaches, automating routine procedures, and enhancing the customer experience while maintaining strategic flexibility. The findings of this study can be utilized by financial institutions to optimize internal processes, strengthen their compliance culture, and increase the effectiveness of deposit policy implementation.