Scenario testing is a crucial element in operational resilience as it helps to assess an organisation's ability to continue delivering critical business services under adverse conditions.
For Metrobank’s CBS-3 ATM and Branch Cash Services, scenario testing evaluates the resilience of cash services, focusing on key areas such as cash withdrawal, deposit, handling, and ATM maintenance.
By simulating realistic, severe, but plausible disruptions, Metrobank can identify gaps in service delivery and ensure that the proper risk management measures are in place.
This chapter outlines recommended scenario testing for CBS-3 ATM and Branch Cash Services, integrates Cyber and ICT risks, and highlights proactive actions that Metrobank should undertake.
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Sub-CBS Code |
Sub-CBS |
Recommended Scenario Testing |
Integration of Cyber/ICT Risks |
Evidence of Proactive Risk Management Action |
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3.1 |
ATM Cash Withdrawal Services |
Scenario 1: ATM service downtime due to power failure. Scenario 2: Cyberattack targeting the ATM network, causing transaction disruptions. Scenario 3: Cash shortage due to logistics failure. |
Integration with ATM network security protocols (e.g., encryption, two-factor authentication). Simulate cyberattacks (e.g., DDoS or malware targeting ATMs). |
- Regular penetration testing. - Implementing real-time monitoring systems for ATM performance and transaction flow. |
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3.2 |
Branch Cash Withdrawal Services |
Scenario 1: Branch service closure due to environmental hazards (e.g., flooding, fire). Scenario 2: Network disruption affecting customer access to funds. |
Ensure branch infrastructure is secured with robust firewalls and failover systems. Simulate network outages and their impact on customer transactions. |
- Contingency planning for branch closure. - Backup communication systems and network redundancy to maintain access to services. |
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3.3 |
Cash Deposit Services |
Scenario 1: Machine failure in cash deposit systems (e.g., ATM, cash deposit machines). Scenario 2: System delay due to high volume of transactions. |
Security integration with transaction logging systems and alerts for abnormal deposit activity. Simulate delays in transaction processing to test system response and customer notification. |
- Regular checks and calibrations of cash deposit machines. - High-volume transaction monitoring. |
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3.4 |
Cash Handling and Replenishment |
Scenario 1: Delay in cash replenishment due to logistical issues. Scenario 2: Fraudulent activity during cash handling at the branch. |
Integrate cash handling protocols with ICT-based transaction monitoring (e.g., video surveillance, real-time inventory tracking). Simulate incidents of cash theft or misplacement. |
- Inventory management systems with RFID tracking. - Regular training and monitoring of cash handling processes to reduce human error or fraud. |
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3.5 |
ATM Maintenance and Troubleshooting |
Scenario 1: Delay in response time for ATM repair after a malfunction. Scenario 2: Inability to remotely access the ATM due to software issues. |
Integration of remote diagnostic tools for ATM troubleshooting and cybersecurity protocols. Simulate both technical (hardware failure) and cyber-related issues (e.g., malware on ATM software). |
- Proactive maintenance schedules and remote monitoring systems for ATM diagnostics. - Emergency technical support teams are trained for quick resolution of issues. |
Performing scenario testing for CBS-3 ATM and Branch Cash Services is essential for Metrobank to ensure the robustness of its critical business services.
These tests not only help simulate operational challenges like hardware failures, cybersecurity risks, or logistical problems but also ensure that Metrobank is prepared with the right risk management strategies.
By proactively testing these scenarios and integrating Cyber/ICT risks into the overall resilience strategy, Metrobank can maintain service continuity, safeguard customer transactions, and quickly recover from disruptions.
Scenario testing ensures the bank remains operational in a rapidly evolving risk environment.
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Building Resilient Banking Operations: The Metrobank Operational Resilience Implementation Guide |
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| eBook 3: Starting Your OR Implementation |
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| CBS-3 ATM and Branch Cash Services | |||||
| CBS-3 DP | CBS-3 MD | CBS-3 MPR | CBS-3 ITo | CBS-3 SuPS | CBS-3 ST |
To learn more about the course and schedule, click the buttons below for the OR-300 Operational Resilience Implementer course and the OR-5000 Operational Resilience Expert Implementer course.
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If you have any questions, click to contact us. |
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