There are some jar files and settings in the Policy Server JVMOptions.txt for XML parsing that are not provided or enabled until the Siteminder option pack is installed. If you wish to use XML parsing without the options pack you need to edit the JVMOptions.txt file and remove these entries.
The client had developed a Custom Authentication Scheme that used XML parsing, but had difficulty getting the XML libraries to load and run. After investigation, the Custom Auth Scheme can only load if the following bootclasspath entries in JVMOptions.txt were removed.
Although those files exist in the standard Siteminder Policy Server distribution, the actual jar files are only installed if you installed the SM Policy Server Options pack. If you need to use XML processing then you can :
The client in this case chose option c) and deleted the bootclasspath parameters then their custom auth scheme loaded and worked correctly.