Abstract: A method includes: receiving an indication of a distribution initiating event; identifying resources associated with the distribution initiating event; retrieving a hierarchical ordering matrix that utilizes at least one parameter to control a distribution of the resources; determining a preferred rail for distributing the resources based on the at least one parameter associated with at least one of the resources or a customer relative to the hierarchical ordering matrix, whereby determining the preferred rail includes receiving a customer preference regarding a preferred distribution methodology for the resources, and selecting one of the plurality of rails to be the preferred rail based on the received customer preference and an amount of the resources to be distributed being less than a max transfer amount of the one of the plurality of rails that is selected to be the preferred rail; and initiating the distribution of the resources via the preferred rail.

Abstract: Systems and methods can include a computing system configured to receive an indication of a closing of an account associated with a customer of the provider institution. The computing system can be configured to identify resources of the account. The computing system can be configured to retrieve a hierarchical ordering matrix that utilizes at least one parameter to control distribution of the resources. The hierarchical ordering matrix can comprise a plurality of rails. The computing system can be configured to determine a preferred rail for distributing the resources based on an application of at least one parameter associated with at least one of the resources or the customer. The computing system can be configured to initiate a distribution of the resources via the preferred rail.