medium · Frm Part 2 Operational Risk

An operational risk manager identifies that a payments process has a Recovery Time Objective (RTO) of 4 hours and a Recovery Point Objective (RPO) of 15 minutes. The current IT architecture performs nightly backups and requires 24 hours to restore from the off-site facility.

Which statement best describes the risk status?

  1. The bank has effectively transferred this risk to the off-site storage provider, meeting Basel III operational resilience principles.
  2. The architecture meets the RPO through off-site storage but fails the RTO due to manual restoration delays.
  3. The architecture fails both resilience targets, creating significant exposure to both data loss and service downtime.
  4. The process is considered 'resilient' but not 'continuous,' as it can recover within a single business day.

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