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Regional workforce unavailability

Workforce unavailability · Severe but plausible · 3 affected service(s)

Scenario narrative

An ice storm severs power and transport across the Carolinas for several days. Charlotte-based operations teams — wire operations, payments operations, branch support — cannot reach sites; residential power loss defeats work-from-home for roughly 60% of affected staff. Columbus and Mumbai sites are unaffected but hold limited cross-trained capacity for wire repair and exception processing.

Shock set
Wire Operations team
teamfixed outage: 2d
ACH Operations team
teamfixed outage: 2d
Branch Operations Support
teamfixed outage: 3d
Run simulation

The Examiner persona is read-only — switch to any operating role to launch a live run. The Monte Carlo executes in a Web Worker: the interface stays fully responsive while 10,000 iterations run.

Regulatory basis
PRA-SS1/21Scenario testingSS1/21 §5

Firms must test their ability to remain within impact tolerances under severe but plausible disruption scenarios, increasing sophistication over time.

OSFI-E21Scenario testing of resilienceE-21 §6

Institutions test critical operations against severe but plausible scenarios, using results to assess whether tolerances would be breached and to remediate weaknesses.

EU-DORADigital operational resilience testingDORA Art.24-26

A proportionate testing programme (including advanced threat-led testing for significant entities) validates the entity's ability to withstand ICT disruption.

BCBS-PORBusiness continuity planning & testingPOR P3

Banks maintain and test business continuity plans under severe but plausible scenarios to continue delivering critical operations through disruption.

Expectations are paraphrased for demonstration; consult the source instruments for authoritative text.

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