---
title: [OR] [AmB] [E3] [CBS] [5] [ST] Perform Scenario Testing
description: [OR] [AmB] [E3] [CBS] [5] [ST] Perform Scenario Testing
image: https://blog.bcm-institute.org/hubfs/Ambank%20Graphic%20Folder/Ambank%20E3%20CBS%20Morepost/Ambank%20CBS%205/%5BOR%5D%20%5BAmB%5D%20%5BE3%5D%20%5BCBS%5D%20%5B4%5D%20%5BST%5D%20Perform%20Scenario%20Testing.jpg
---
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###### Operational Resilience Framework: A Case Study of AmBank Malaysia
![BB OR \[B\] 13](https://blog.bcm-institute.org/hs-fs/hubfs/OR%20picture/OR%20Pictures%20A/BB%20OR%20Folder%20B/BB%20OR%20%5BB%5D%2013.jpg?width=2000&height=1333&name=BB%20OR%20%5BB%5D%2013.jpg "BB OR [B] 13")
# \[OR\] \[AmB\] \[E3\] \[CBS\] \[5\] \[ST\] Perform Scenario Testing
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/8d6d538b-7b42-4bf6-b355-f6178f7bc1f9)Scenario testing is a vital component of operational resilience, designed to assess the organisation’s ability to deliver its critical business services within defined impact tolerances under severe but plausible disruption scenarios.
For CBS-5 Investment & Wealth Management, these tests simulate potential operational, cyber, ICT, market, and regulatory disruptions, focusing on recovery and response capabilities rather than prevention.
By doing so, AmBank can validate that each sub-process maintains service continuity, protects client assets, and meets regulatory expectations.
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/3c32e9b3-ea88-44c3-9182-fa3e6a9aadee)
[Dr Goh Moh Heng](https://blog.bcm-institute.org/ebook-or/author/dr-goh-moh-heng) Feb 3, 2026
###### Operational Resilience Certified Planner-Specialist-Expert
###### [![x \[OR\] \[AmB\] Legal Disclaimer Banner](https://no-cache.hubspot.com/cta/default/3893111/c17ea734-ce39-46d1-9b00-ce39367ccfc1.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/c17ea734-ce39-46d1-9b00-ce39367ccfc1)
### [](https://cta-redirect.hubspot.com/cta/redirect/3893111/3c32e9b3-ea88-44c3-9182-fa3e6a9aadee)
### CBS-5 Investment & Wealth Management
#### Introduction
[![\[OR\] \[AmB\] \[E3\] \[CBS\] \[5\] \[ST\] Perform Scenario Testing](https://no-cache.hubspot.com/cta/default/3893111/f467c271-ca6d-4725-98e9-6fff67ba94f7.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f467c271-ca6d-4725-98e9-6fff67ba94f7)
Scenario testing is a vital component of operational resilience, designed to assess the organisation’s ability to deliver its critical business services within defined impact tolerances under severe but plausible disruption scenarios.
For CBS-5 Investment & Wealth Management, these tests simulate potential operational, cyber, ICT, market, and regulatory disruptions, focusing on recovery and response capabilities rather than prevention.
By doing so, AmBank can validate that each sub-process maintains service continuity, protects client assets, and meets regulatory expectations.
[![Banner \[Table\] \[OR\] \[E3\] Perform Scenario Testing](https://no-cache.hubspot.com/cta/default/3893111/a45e9708-7139-4f4e-8e0e-41179f5cacc3.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/a45e9708-7139-4f4e-8e0e-41179f5cacc3)
###### Table P6: Perform Scenario Testing for CBS-5
| Sub-CBS Code | Sub-CBS | Recommended Scenario Test Themes | Impact/Effect | Evidence of Proactive Risk Management Action |
| --- | --- | --- | --- | --- |
| 5.1 | Wealth Advisory & Financial Planning | Advisor unavailability, system outage, cyber intrusion affecting client data | Delayed client recommendations, regulatory breach | Backup advisor teams, encrypted client records, and regular cyber drills |
| 5.2 | Unit Trust & Fund Distribution | Trading platform downtime, mispricing of units, and market volatility | Investment losses, client dissatisfaction | Automated reconciliation, platform redundancy, and market stress testing |
| 5.3 | Fixed Income & Direct Bond/Sukuk Investments | Counterparty default, interest rate spikes, and ICT system failure | Portfolio valuation errors, liquidity risk | Counterparty monitoring, ICT failover, risk dashboards |
| 5.4 | Dual Currency & Structured Products | Market shock, settlement errors, cyber attack on the transaction system | Financial loss, regulatory reporting errors | Pre-trade risk checks, encrypted settlement systems, scenario simulations |
| 5.5 | Equities & Capital Markets Services | Exchange outage, algorithmic trading errors, insider threat | Trading disruption, client financial impact | Exchange connectivity monitoring, trade surveillance, and simulated trading disruptions |
| 5.6 | Private Banking & High-Net-Worth Solutions | Cyber breach, key relationship manager absence, fraud attempt | Wealth mismanagement, reputational damage | Multi-factor authentication, succession planning, and fraud detection drills |
| 5.7 | Bancassurance & Wealth Protection | Policy administration system failure, regulatory compliance breach | Delayed policy issuance, fines | System redundancies, compliance checks, scenario-based tabletop exercises |
| 5.8 | Estate & Legacy Planning (Will/Wasiat Writing) | Legal document corruption, ICT system downtime, and staff error | Estate planning delays, legal disputes | Secure digital storage, staff cross-training, and ICT recovery simulations |
| 5.9 | Client Reporting & Compliance | Reporting system failure, data integrity issues, and cyber incidents | Misreporting, non-compliance | Automated reporting validation, encrypted client data, cyber-attack drills |
Integration with Cyber & ICT Risks: Each scenario incorporates potential cyber threats, ICT failures, and data breaches to ensure resilience strategies cover digital vulnerabilities, aligning with AmBank’s operational resilience framework.
### [![Banner \[Summing\] \[OR\] \[E3\] Perform Scenario Testing](https://no-cache.hubspot.com/cta/default/3893111/11895c06-91e9-4cec-acb6-4356741952e4.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/11895c06-91e9-4cec-acb6-4356741952e4)
Performing scenario testing across all CBS-5 sub-processes allows AmBank to validate its operational resilience capabilities under severe but plausible disruptions. By simulating real-world scenarios, integrating cyber and ICT risks, and documenting proactive measures, the bank can ensure uninterrupted client service, regulatory compliance, and strategic readiness. Lessons learned from these tests continuously inform risk mitigation strategies, strengthening the organisation’s ability to manage future disruptions effectively.
| Operational Resilience Framework: A Case Study of AmBank Malaysia | | | | | |
| --- | --- | --- | --- | --- | --- |
| **eBook 3: Starting Your OR Implementation** | | | | | |
| **CBS-5 Investment & Wealth Management** | | | | | |
| **CBS-5 DP** | **CBS-5 MD** | **CBS-5 MPR** | **CBS-5 ITo** | **CBS-5 SuPS** | **CBS-5 ST** |
| [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[5\] \[DP\] Investment & Wealth Management](https://no-cache.hubspot.com/cta/default/3893111/054587f1-9cdf-4719-abc4-4c23c7ae60f1.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/054587f1-9cdf-4719-abc4-4c23c7ae60f1) | [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[5\] \[MD\] Map Dependency](https://no-cache.hubspot.com/cta/default/3893111/2624f5f2-4690-437c-a5eb-3208d31f95a4.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/2624f5f2-4690-437c-a5eb-3208d31f95a4) | [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[5\] \[MPR\] Map Processes and Resources](https://no-cache.hubspot.com/cta/default/3893111/7e4bda11-21c4-4766-845f-0f354d946627.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/7e4bda11-21c4-4766-845f-0f354d946627) | [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[5\] \[ITo\] Establish Impact Tolerances](https://no-cache.hubspot.com/cta/default/3893111/87415dba-db74-4e77-8c6c-2ba04b4d24e0.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/87415dba-db74-4e77-8c6c-2ba04b4d24e0) | [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[5\] \[SuPS\] Identify Severe but Plausible Scenarios](https://no-cache.hubspot.com/cta/default/3893111/a2de3c99-9747-4d4c-ad93-bf8b6bb98d7b.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/a2de3c99-9747-4d4c-ad93-bf8b6bb98d7b) | [![\[OR\] \[AmB\] \[E3\] \[CBS\] \[5\] \[ST\] Perform Scenario Testing](https://no-cache.hubspot.com/cta/default/3893111/f467c271-ca6d-4725-98e9-6fff67ba94f7.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f467c271-ca6d-4725-98e9-6fff67ba94f7) |
[](https://cta-redirect.hubspot.com/cta/redirect/3893111/084e620a-46c5-419a-82ed-6a681d15c0b6)[](https://cta-redirect.hubspot.com/cta/redirect/3893111/13a448f1-f09c-42da-a57e-0988e41658c5)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.
#### More Information About Blended Learning OR-5000 \[OR-5\] or OR-300 \[OR-3\]
To learn more about the course and schedule, click the buttons below for the \[OR-3\] OR-300 Operational Resilience Implementer course and the \[OR-5\] OR-5000 Operational Resilience Expert Implementer course.
| [](https://cta-redirect.hubspot.com/cta/redirect/3893111/3530eccb-515d-401e-afc2-3469e26d7fbf) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/fdd4fa9c-ed69-40c1-925f-4eb6a1c5c255) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/77a34b84-0a6d-44f8-b8d6-6ab04cdf5edd) |
| --- | --- | --- |
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| [![\[BL-OR\] \[3\] FAQ OR-300](https://no-cache.hubspot.com/cta/default/3893111/f20c71b4-f5e8-4aa5-8056-c374ca33a091.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/f20c71b4-f5e8-4aa5-8056-c374ca33a091) | If you have any questions, click to contact us.[![Email to Sales Team \[BCM Institute\]](https://no-cache.hubspot.com/cta/default/3893111/3c53daeb-2836-4843-b0e0-645baee2ab9e.png)](https://cta-redirect.hubspot.com/cta/redirect/3893111/3c53daeb-2836-4843-b0e0-645baee2ab9e) | [](https://cta-redirect.hubspot.com/cta/redirect/3893111/7f2718a4-ea80-4f84-a319-dc2d4df37a46) |
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