A GCC strategy framework for a bank whose Capital Markets and Commercial Lending work sits entirely onshore today — there is no GCC yet. For every activity it resolves a five-way move — Keep onshore / Agent-Direct (skip GCC) / Wait-then-Agent / Hybrid (GCC + agent) / GCC-Lift — so leaders can decide, activity by activity, whether to build a GCC, agentise, do both, wait, or keep it onshore. Archetypes: Global Wholesale Bank (Capital Markets) and Commercial Bank (Commercial Lending).
Every role is scored on three dimensions: Transaction Intensity (T) — repetition, rule-density, volume; Decision Complexity (D) — judgment and ambiguity; and Regulatory Blast Radius (RBR) — fiduciary and regulator exposure. Higher transaction + lower decision = greater agent impact; RBR dampens the score on regulator-facing work (IPV, Model Validation, Surveillance).
Each role falls into one of three restructuring zones:
Feasibility Classifier — the strategic question: for every role across the whole bank, where should the work actually live?
8 Diagnostic Layers: Agent Impact, Transaction, Decision, RBR, Readiness, Offshoring, Feasibility, Mode, plus HC Detail — each recolors and re-aggregates the treemap.
Greenfield GCC: every activity is onshore (parent) today — the GCC is empty. The Feasibility layer is the recommended move per activity; selecting the GCC location shows nothing yet, which is the point. Toggle the Business Line filter for Capital Markets vs Commercial Lending.
3 Transformation Layers: Savings Map, Capacity Released, Upskill Potential — each triggers a People + Economics dual bridge.
Feasibility Layer: 5-way classifier driven by geo-lock, client proximity, RBR, readiness, and impact. Renders a Parent → GCC bridge (Parent FTEs → Keep → Agent-Direct → Wait → Movable to GCC) and three-stage economics (Parent cost → after-GCC cost → after-agent cost, in USD $M/yr).
60 upskill pathways mapped to CISI, ICMA, CFA, FRM, PRMIA, ISDA, ISLA, CSC, ICA — CM-specific.
Adjustable sizing: GCC headcount, Parent FTEs, and base CTC (USD) drive all bridge math.
Composite of T and inverse D, dampened by RBR. Green (low) to red (high).
Repetition, rule-density, volume.
Judgment, ambiguity. Color inverted.
Fiduciary and regulator exposure. Multiplicative dampener.
Tool maturity for the workflow.
Regulatory locality + client proximity + time zone + talent depth.
The strategic decision per role.
Three zones from Agent Impact.
Net savings = capacity × cost band − agent cost.
FTEs freed by automation.
Redeployability composite with CM-specific upskill targets.