CONFIDENTIAL

The Role of APIs Within Managed File TransferJune 17, 2021Jay Williamson, MoneyGram

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Jay Williamson - Data Integration & Data Transformation Engineering SME, CFTP

• Managed File Transfer (A2A & B2B)

• Enterprise Application Integration (API & JMS, PUB/SUB)

• EDI & Data Transformation

• Industries: Financial Services, Agricultural/Chemical, Manufacturing, Supply Chain, Cloud Services

• Wife and Daughter• Travel, Beach, Swim• Minnetonka, MN• Business Administration & Computer Science

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Today’s Topics

1. MoneyGram introduction

2. Overview of MoneyGram’s re-platforming initiative including:• Consolidation of data integration use cases into one single hybrid integration model

• Value-added projects

3. Digital innovation, with focus on adoption of APIs

4. Q&A

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MoneyGram International

Leading the Evolution of Digital P2P Payments• Purpose-driven strategy to mobilize the movement of money

• Strong culture of FinTech innovation

• Leading customer-centric capabilities

• Served nearly 150 million people across the globe over the last five years

• Leverages its modern, mobile, API-driven platform

• Collaborates with the world's leading brands to serve consumers through: • MoneyGram Online (MGO)

• Direct-to-consumer digital business

• Global retail network

• Emerging embedded finance business for enterprise customers, MoneyGram as a Service

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Business Drivers for Our Digital Journey

System instability and

repeated outages

Significant investments into

customization that failed ROI

Software provider could not

provide solutions or support

Overlapping MFT/B2B/

mapping software

Disparate tools self-supported; lack

of architectural standards/support

Several products were or quickly

becoming end of life/unsupported

Primary Drivers

Supporting Factors

Needed Innovations

Active/Active cross-data center

architecture

API & cloud support

batch-to-transactional patterns

In-house outsourced integrations

HCM & SWIFT network

HCM

SWIFTBIS

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The Beginning of Our Digital Journey: Consolidation and Re-platforming!

UploadEngineEnterprise

Scheduler(ESP)

BEFORE CONSOLIDATION AFTER CONSOLIDATION

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Our Digital Milestones

2012 - 2013

2014

• Effort to consolidate is declared• RFP Initiated

• SEEBURGER selected• Initial architecture designed• Staffing & training

• Legacy system, conversions begin

• Legacy system conversions continue• Based on migration approach some problems were realized• Hired SMEs to adopt standards and guidelines and to optimize work done so far

• Legacy system conversions restarted

• Final legacy system conversions• P2P/Ad-hoc and Enterprise Scheduler

Digital innovation:• API Adoption, Cloud, Inhouse HCM/SWIFT integrations

• Implementation plan• Migration partner onboarded

2015

2016 - 2017

2018

2019 - 2020

2021 & Onward

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(File-Based) Integration Design Patterns Supported

Mainframe

ApplicationSEEBURGER

Windows App

Inbound Outbound

Mainframe

ApplicationSEEBURGER

Windows App

Windows Segmented App

BIS LINK

Windows Segmented App

BIS LINK

Transform Transform

Partner Partner

User User User User

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SEEBURGER BIS Managed File Transfer

Business Partners

Express Payments

MFT Integration with BIS File

exchange

Database to store routing and

configuration tables

PGPMail

AS2

B2B Integration

EDI Payments

BIS

SOAP Money Orders &Official Checks

Segmented Network

Linux Apps

User Shares

Windows Apps

SFTP

BIS LINK

BIS LINK

BIS LINK

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Business Volumes

$250M Settlement dollars for bill payment services 2800

External trading partners with whom files are traded

350Any-to-any maps

300 Average-length

HD movies

1.5 TB of data transmitted monthly by MoneyGram International

Integrated with all

lines-of-business

>$5B Settlement dollars for Financial Paper Products (Official Check & Money Order)

270KMonthly file volume

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Problem: Support for New Integration Patterns

• Significant increase in adoption of APIs in the MFT fulfillment team

• Need for Cloudification and adoption of SaaS applications

• This API adoption trend and the need to do (batch-to-transactional) and (batch-to-transactional-to-batch) data integration patterns, has exponentially increased our processing volumes

• What mixture of software components and configuration will be the most efficient?

• How to appropriately scale environment to support the increase in volume from thousands to millions without disrupting quality of service?

• Pre-2020, there was a clear differentiation between real-time “transactional” messaging (API management) and traditional (batch) file transfer and data transformation (EDI etc.)

• Due to the heavy adoption of APIs (even for batch file transfers) it broke down the clear differentiation between integration fulfillment areas and began to converge the historically separate fulfillment teams

• Enterprise Architecture team who are responsible for fitting new complex integration requests to the proper fulfillment teams are wondering how to best support combined MFT/API use-cases

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Evolution of Integration Patterns

Batch File (Millions of Records)

API Calls (Individual Record)Split/Convert/Call

Batch File (Millions of Records)

API Calls (Individual Record)

Split/Convert/CallAPI Calls

(Individual Record)Retrieve records from Oracle/Call Visa API/Merge

individual records

Merged Batch File

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Solution: API Integration with SEEBURGER Hybrid Integration Platform

Business Partners

Express Payments

MFT Integration with BIS File

exchange

Database to store routing and

configuration tables

PGPMail

AS2

B2B Integration

EDI Payments

BIS

SOAP Money Orders &Official Checks

Segmented Network

Linux Apps

User Shares

Windows Apps

SFTP

BIS LINK

BIS LINK

BIS LINK

API Integrations

Cloud Integrations

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Future Cloud Infrastructure, Containerization

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Summary and Roadmap for Innovation

Simplified Architecture

SEEBURGER Software:

• Linux/RHEL on VMware (replace SuSe/physical servers)

• Active/Active clustering (remove external clustering software – Veritas)

• Leverage out-of-the-box functionality in recent service packs to reduce ancillary external software

Cost Reductions and ROI

In-house vendor managed integrations:

• API Integration

• Support complex data flows utilizing existing software

• HCM integrations

• SWIFT network integrations

Automate repetitive operational tasks:

• SDK/BPEL process plug-ins

• System monitoring APIs

Future-focused Infrastructure

• Cloud design underway

• Leverage MoneyGram’s AWS infrastructure

• SEEBURGER to provide DevOps support and upgrade maintenance

• Increase productivity by allowing FTEs to focus 100% on value-added project work

• Heavy adoption of APIs to reduce moving parts from ERPs and cloud systems