CBS-1 Deposit and Withdrawal Services
In this chapter, we will explore the concept of setting appropriate impact tolerances for Metrobank's critical business services (CBS-1) related to Deposit and Withdrawal Services. Impact tolerances are key measures in operational resilience, helping organisations define the thresholds for tolerable disruption to their critical services.
For Metrobank, establishing impact tolerances for services such as cash deposits at branches, ATM withdrawals, and fraud detection is crucial in ensuring business continuity in the face of adverse events.
By the end of this chapter, readers will understand how to assess the tolerable limits for downtime and data loss in CBS-1 processes and how these measures contribute to Metrobank's operational resilience framework.
Table P4: Establish Impact Tolerance for CBS-1
|
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 |
|
1.1 |
Cash Deposit at Branches |
4 hours |
1 hour |
High |
High |
Operational |
Moderate |
Enhance backup processes |
|
1.2 |
Deposit via ATMs |
6 hours |
2 hours |
High |
Medium |
Technology |
High |
Upgrade ATM systems |
|
1.3 |
Online/Internet Banking Deposits |
2 hours |
30 minutes |
High |
High |
Technology |
Moderate |
Implement more resilient infrastructure |
|
1.4 |
Cash Withdrawal at Branches |
4 hours |
1 hour |
High |
High |
Operational |
Moderate |
Enhance staff training |
|
1.5 |
ATM Withdrawals |
4 hours |
1 hour |
High |
Medium |
Technology |
High |
Improve network reliability |
|
1.6 |
Online/Internet Banking Withdrawals |
2 hours |
30 minutes |
High |
High |
Technology |
Moderate |
Strengthen cybersecurity measures |
|
1.7 |
Failed Deposits or Withdrawals |
1 hour |
15 minutes |
High |
High |
Operational |
High |
Automate the recovery process |
|
1.8 |
Fraud Detection and Prevention |
1 hour |
15 minutes |
Very High |
Very High |
Security |
High |
Strengthen fraud detection algorithms |
Establishing impact tolerances for Metrobank’s CBS-1 Deposit and Withdrawal Services is an essential step in ensuring the bank’s operational resilience. Each sub-CBS within this critical service has specific downtime and data loss thresholds that align with both customer expectations and regulatory requirements.
By understanding and addressing the maximum tolerable downtime (MTD) and maximum tolerable data loss (MTDL) for each process, Metrobank can better manage risks and optimise recovery strategies. The actions outlined for improving resilience, such as enhancing system backups, upgrading infrastructure, and strengthening cybersecurity, are vital in ensuring minimal disruption during unforeseen events.
Moving forward, these measures will enable Metrobank to maintain high-quality service delivery and meet regulatory compliance standards effectively.
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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