medium · Frm Part 2 Operational Risk

A bank's Risk Appetite Framework (RAF) defines a 'Zero Tolerance' zone for Sanctions breaches. On a 5 × 5 RCSA heat map, a business unit maps a Sanctions risk with an inherent score of 25 (Likelihood 5, Impact 5). They propose a residual score of 5 (Likelihood 1, Impact 5) based on a new automated screening tool.

What is the critical governance requirement for this mapping?

  1. The risk should be removed from the RCSA because it is now automated.
  2. The unit can self-approve the 'Green' status if the screening tool's vendor provides a certification.
  3. The residual risk must be formally accepted at the highest level of authority or remediated immediately if above appetite.
  4. The impact score should be lowered to 1 because the tool prevents the payment from being sent.

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