[OR] [BI] [E3] [CBS] [2] [ITo] Establish Impact Tolerances

CBS-2 Payments and Funds Transfer Services

Introduction

For CBS-2 Payments and Funds Transfer Services, setting clear impact tolerances helps ensure that critical payment activities remain within acceptable disruption limits and that recovery priorities are well understood. For Bank Islam Malaysia Berhad, this means defining how long each payment sub-service can be unavailable, how much data loss is tolerable, and what level of customer or regulatory impact is acceptable before the disruption is considered intolerable.

Impact tolerances translate operational resilience from concept into measurable thresholds. They guide investment decisions, recovery strategies, and escalation protocols, ensuring that payment services—being highly time-sensitive and customer-facing—are restored before causing systemic, financial, or reputational harm.

Table P4: Establish Impact Tolerance for CBS-2

Sub-CBS Code	Sub-CBS	Maximum Tolerable Downtime (MTD)	Maximum Tolerable Data Loss (MTDL)	Customer Impact	Regulatory Impact	Impact Type	Current Resilience Status	Action Required
2-01	Customer Payment Initiation	2 hours	≤15 minutes	High – inability to initiate payments	Moderate	Customer / Financial	Strong	Enhance peak-time capacity
2-02	Funds Transfer Processing (Intra-bank)	2 hours	Near-zero	High – delayed internal transfers	Moderate	Financial	Strong	Maintain real-time monitoring
2-03	Interbank Transfer Processing (IBFT & RENTAS)	1 hour	Near-zero	Very High – ecosystem impact	High	Systemic / Regulatory	Moderate	Strengthen redundancy
2-04	DuitNow & Instant Payment Services	30 minutes	Near-zero	Very High – real-time expectations	High	Customer / Reputational	Moderate	Improve failover readiness
2-05	Payment Clearing & Settlement	4 hours (within the same day)	Near-zero	Medium – not always visible to customers	Very High	Regulatory / Financial	Strong	Periodic recovery testing
2-06	Corporate & Bulk Payment Processing	6 hours	≤30 minutes	High – payroll/vendor impact	High	Financial / Reputational	Moderate	Introduce backup processing window
2-07	Cross-Border Payment Processing	24 hours	≤1 hour	Medium – time-zone buffers exist	High	Regulatory / Financial	Adequate	Improve cut-off management
2-08	Payment Authorization & Authentication	30 minutes	Near-zero	Very High – transactions halted	High	Fraud / Customer	Moderate	Add multi-site authentication nodes
2-09	Sanctions Screening & AML Monitoring	2 hours	Zero tolerance	Low immediate customer visibility	Very High	Compliance	Strong	Maintain rule-set currency
2-10	Transaction Posting & Core Banking Update	2 hours	≤15 minutes	High – balance inaccuracies	High	Financial / Reputational	Moderate	Strengthen core backup sync
2-11	Exception Handling & Reversal Mgmt	24 hours	≤1 hour	Medium – affects dispute resolution	Moderate	Customer / Ops	Adequate	Automate case tracking
2-12	Reconciliation & Nostro/Vostro Mgmt	End-of-day	≤1 hour	Low immediate impact	High	Financial / Regulatory	Adequate	Increase automation
2-13	Customer Notification & Confirmation	4 hours	≤30 minutes	Medium – assurance impact	Low	Reputational	Strong	Add alternate notification channels
2-14	Payment Reporting & Regulatory Submission	By the regulatory deadline	Zero tolerance	Minimal customer impact	Very High	Regulatory	Strong	Maintain reporting backup
2-15	Payment Channel Availability & Infrastructure Support	1 hour	Near-zero	Very High – multi-channel disruption	High	Systemic / Reputational	Moderate	Expand infrastructure redundancy

Defining impact tolerances for CBS-2 ensures that payment and funds transfer services operate within clearly articulated resilience boundaries. By linking downtime and data loss thresholds to customer, financial, and regulatory consequences, the bank gains a practical framework for prioritising recovery and investment.

Well-calibrated tolerances also promote proactive resilience—encouraging scenario testing, capacity planning, and continuous improvement. As payment ecosystems evolve toward real-time and cross-border immediacy, regularly reviewing and refining these tolerances will help sustain trust, meet regulatory expectations, and support stable growth in digital financial services.

Implementing Operational Resilience for Bank Islam: Aligning with BNM and Global Best Practices
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CBS-2 Payments and Funds Transfer Services
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Implementing Operational Resilience for Bank Islam: Aligning with BNM and Global Best Practices

[OR] [BI] [E3] [CBS] [2] [ITo] Establish Impact Tolerances

Operational Resilience Certified Planner-Specialist-Expert

CBS-2 Payments and Funds Transfer Services

Introduction

Table P4: Establish Impact Tolerance for CBS-2

More Information About OR-5000 [OR-5] or OR-300 [OR-3]

Comments:

Implementing Operational Resilience for Bank Islam: Aligning with BNM and Global Best Practices

[OR] [BI] [E3] [CBS] [2] [ITo] Establish Impact Tolerances

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Operational Resilience Certified Planner-Specialist-Expert

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Introduction

Table P4: Establish Impact Tolerance for CBS-2

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CBS-2 Payments and Funds Transfer Services