[OR] [CIMB] [E3] [CBS] [1] [ST] Perform Scenario Testing

CBS-1 Retail & Digital Banking Access

Introduction

Scenario testing is a critical component of operational resilience that simulates extreme but plausible disruptions to critical business services. For CBS‑1: Retail & Digital Banking Access, scenario testing validates the bank’s ability to maintain functionality, recover within impact tolerances, and mitigate risks to customers, regulators, and third-party dependencies.

Each test incorporates cyber and ICT risks, ensuring that both operational and digital threats are addressed. Evidence of proactive risk management — including system failovers, staff readiness, and monitoring controls — ensures that the organization is prepared to handle service disruptions effectively.

Table P6: Perform Scenario Testing for CBS-1

Sub‑CBS Code	Sub‑CBS	Recommended Scenario Test Themes	Impact / Effect	Evidence of Proactive Risk Management Action / Integration of Cyber & ICT Risks
1.1	Online Banking Login & Authentication	Simulate MFA outage or credential breach	Login failures; delayed access	Redundant MFA channels, SSO failover, and continuous authentication monitoring
1.2	Account Dashboard & Balance Inquiry	Test database replication failure	Inaccurate balances, delayed inquiries	Database failover tested, real-time monitoring dashboards, and cyber monitoring of data integrity
1.3	Funds Transfer & Payment Services	Disrupt payment gateway connectivity	Transaction failures, regulatory breaches	Payment engine failover drills, alternative routing, DDoS protection, fraud detection monitoring
1.4	Mobile App Transaction Processing	Surge in app traffic or API backend outage	App crashes, failed transactions	Auto-scaling microservices, DDoS mitigation, penetration testing, API monitoring
1.5	Retail Digital Onboarding	Third-party identity verification outage	New account creation blocked	Backup verification providers, offline KYC processes, secure ICT integration for identity data
1.6	Digital Alerts & Notification Services	Messaging server or telecom outage	Notifications are delayed or lost	Redundant alert channels, multi-telecom routing, and continuous ICT monitoring
1.7	Customer Support & Chatbot Interface	Chatbot service offline or cyber compromise	Increased support call volume, delayed response	Human support failover, AI redundancy, secure ICT monitoring of chatbot platform
1.8	API Gateway & Third-Party Integrations	Third-party API downtime or compromise	Partner services disrupted, delayed transactions	API failover drills, SLA enforcement, and continuous cybersecurity monitoring of API traffic
1.9	Access Monitoring & Security Event Logging	SIEM platform failure or log corruption	Reduced visibility for incident response	Redundant logging, off-site event storage, and SOC cyber threat intelligence feeds
1.10	Back-End Data Synchronisation & Recovery	DR site unavailability or replication failure	Data loss, extended downtime	DR plan testing, cloud replication, and ICT system integration for continuous data sync and recovery

Scenario testing for Retail & Digital Banking Access enables CIMB Bank to validate resilience plans against severe but plausible events, ensuring continuity and compliance with regulatory standards. By incorporating cyber and ICT risks into each test, the bank can anticipate technology-driven disruptions, identify gaps in processes, and verify the effectiveness of recovery strategies.

Documented evidence of proactive risk management — such as redundant systems, failover protocols, and monitoring controls — reinforces operational readiness, strengthens stakeholder confidence, and supports a culture of continuous improvement in operational resilience.

Operational Resilience in Practice: The CIMB Bank Approach
eBook 3: Starting Your OR Implementation
CBS-1 Retail & Digital Banking Access
CBS-1 DP	CBS-1 MD	CBS-1 MPR	CBS-1 ITo	CBS-1 SuPS	CBS-1 ST

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 OR-5000 [OR-5] or OR-300 [OR-3]

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.

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.



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Operational Resilience in Practice: The CIMB Bank Approach

[OR] [CIMB] [E3] [CBS] [1] [ST] Perform Scenario Testing

Operational Resilience Certified Planner-Specialist-Expert

CBS-1 Retail & Digital Banking Access

Introduction

Table P6: Perform Scenario Testing for CBS-1

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

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Operational Resilience in Practice: The CIMB Bank Approach

[OR] [CIMB] [E3] [CBS] [1] [ST] Perform Scenario Testing

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Operational Resilience Certified Planner-Specialist-Expert

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CBS-1 Retail & Digital Banking Access

Introduction

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Table P6: Perform Scenario Testing for CBS-1

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