[OR] [AmB] [E3] [CBS] [5] [ITo] Establish Impact Tolerances

CBS-5 Investment & Wealth Management

Establishing impact tolerances for Investment & Wealth Management services ensures that AmBank defines, in measurable terms, the maximum level of disruption it can absorb before causing intolerable harm to customers, market integrity, or regulatory obligations.

Unlike traditional recovery metrics that focus only on system restoration, impact tolerances emphasise the outcome to customers and stakeholders, helping the bank prioritise resilience where it matters most.

For CBS-5, this is especially critical because wealth products often involve market timing, fiduciary duties, suitability requirements, and handling of client assets. Clear tolerances enable AmBank to balance service availability, data integrity, and advisory continuity while meeting BNM and global operational resilience expectations.

The objective of this chapter is to translate resilience principles into practical tolerance thresholds for each sub-service.

Table P4: Establish Impact Tolerance for CBS-5

Legend (example interpretation):

• MTD: Maximum Tolerable Downtime before intolerable harm
• MTDL: Maximum Tolerable Data Loss
• Current Resilience Status: Strong / Moderate / Developing

Defining impact tolerances for CBS-5 provides AmBank with a practical benchmark for how much disruption can be absorbed before stakeholders experience unacceptable harm. These tolerances turn resilience from a theoretical concept into measurable limits that guide investment decisions, scenario testing, and recovery prioritisation. They also encourage cross-functional alignment between business, risk, IT, and compliance teams.

Going forward, impact tolerances should be validated through scenario testing, market disruption simulations, and third-party failure exercises. As AmBank’s wealth portfolio and digital capabilities grow, tolerances may need periodic recalibration to reflect evolving customer expectations and regulatory scrutiny. When embedded into governance and testing cycles, these tolerances become a strategic tool that strengthens trust, stability, and long-term competitiveness in the wealth management space.

Operational Resilience Framework: A Case Study of AmBank Malaysia
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CBS-5 Investment & Wealth Management
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Gain Competency: For organisations looking to accelerate their journey, BCM Institute’s training and certification programs, including the OR-5000 Operational Resilience Expert Implementer course, provide in-depth insights and practical toolkits for effectively embedding this model.

 

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