Operational Resilience

United States (SR 20-24)

Australia (CPS 230)

Canada (E-21)

UK OpRes​

Europe (DORA)

Operational Resilience Assurance

  • Identify & Review Important Business Services – update the list annually to reflect changes in operations, outsourcing, or technology.
  • Validate Impact Tolerances – re-confirm whether tolerances are still realistic, based on the last year’s disruptions and testing.
  • Conduct Scenario Testing – run annual resilience tests (including cyber and third-party disruption scenarios) to evidence ability to remain within tolerances.
  • Board Approval of Self-Assessment – every year, the Board must sign off a resilience self-assessment report and be able to stand behind it with regulators.
  • Independent OpRes Assurance – Boards are expected to support attestations with annual internal audit reviews or external assurance reports.
Who Signs Off
  • Board of Directors / Senior Executives : they are legally accountable for attesting that resilience frameworks are fit for purpose.
  • Internal Audit / External Assurance Providers (such as T3) : provide give independent validation to underpin the Board’s attestation.
  • Independent annual Operational Resilience assurance reviews to strengthen your self-assessment.
How We Support Your Annual Cycle
  • Board-ready reports designed for FCA/PRA, DORA, and global supervisors.
  • Repeatable methodology that embeds resilience into your yearly planning cycle.
  • Cross-jurisdiction alignment so your UK, EU, US, and APAC obligations are covered in one consistent framework.

HOW WE SUPPORT YOUR ANNUAL OPERATIONAL RESILIENCE CYCLE

Have you updated your list of important business services this year?

Are your impact tolerances still realistic after a year of disruption and testing ?

Can your critical services remain within tolerance during severe but plausible disruptions ?

Is your board ready to stand behind your resilience self-Assessment?

Has your resilience framework been independently reviewed this year?

AI-Enabled Operational Resilience

AI is transforming how organisations anticipate, withstand, and recover from disruption.

By integrating advanced analytics, automation, and predictive modelling, we help firms move from reactive risk management to proactive resilience. Our approach leverages AI to detect early warning signals across operations, finance, and third-party ecosystems, identifying vulnerabilities before they escalate into incidents. Through intelligent process monitoring, scenario simulation, and data-driven decision support, we enable organisations to strengthen continuity, optimise recovery strategies, and meet regulatory expectations under frameworks such as the UK’s Operational Resilience regime and DORA.

MEASUREABLE OUTCOMES

60% Faster Mapping (Dependency Discovery)

24/7 Real-time alerts (Breach Detection)

80% Visibility
(End-to-end services)

85% Effort Reduction
(Reporting & Updates)

1. SERVICE IDENTIFICATION

2. IMPACT TOLERANCE SETTING

3. MAPPING & DEPENDENCIES

4. SCENARIO TESTING

5. GAP REMEDIATION

6. BOARD REPORTING

7. CONTINUOUS MONITORING

Get your tolerance heat‑map Assured 

Book a call with our experts

Integrated OpRes Framework & Assurance

Cross-jurisdictional regulatory alignment

In an era marked by compounding systemic shocks, regulatory complexity, and increasing digital interdependence, operational resilience must evolve from a siloed compliance exercise into an integrated, strategic discipline. At T3, we approach Integrated Operational Resilience (IOR) as the connective tissue between risk domains—blending cyber preparedness, third-party oversight, AI risk governance, and capital impact forecasting into a unified framework.

We help firms go beyond box-ticking to getting full assurance. Our approach builds resilience into the DNA of your critical business services—anchored in regulatory precision, driven by impact tolerance, and designed for boardroom assurance.

Integrated Operational Resilience (IOR) connects cyber preparedness, third-party oversight, AI governance, and capital impact into one repeatable, attested capability. Regulators have converged on the same core ask: map critical services, set & test impact tolerances, and evidence board-level assurance annually.

  • UK (FCA/PRA): Annual board-approved self-assessment and ability to stay within impact tolerances for important business services; the full regime moved out of transition on 31 March 2025 and is now a recurring obligation.
  • EU (DORA): In force from 17 Jan 2025 with annual ICT risk management reviews/testing and calibrated TLPT requirements via joint RTS specifying scope, tester standards, and supervisory cooperation.
  • Canada (OSFI E-21): Finalised Aug 22, 2024; immediate expectations on risk management with phased operationalisation to Sep 1, 2026; board accountability and resilience outcomes central.
  • Australia (APRA CPS 230): Standard commenced 1 July 2025; annual resilience responsibilities with transitional relief for legacy outsourcing to the earlier of contract renewal or 1 July 2026.
Timeline (E.G. 3 FRAMEWORKS) > 18 weeks

AI & Operational Resilience: The Next Hidden Risk​

“Regulators are starting to ask: if your AI fails, who’s harmed, and how fast can you recover?

AI Resilience: What Regulators Expect and What We Deliver

  1. AI is already critical in FS:
    – 70%+ of UK retail credit applications are now scored with machine learning.
    – Fraud engines block billions in suspicious transactions every day.
    – Chatbots handle millions of customer interactions each month.
  2. Failures are no longer “just IT issues”:
    – A misfiring model can wrongly decline mortgages or insurance claims.
    – A sanctions-screening error can let through illicit transactions.
    – A third-party API outage can freeze onboarding and payments.
  3. Regulatory pressure is rising:
    – EU AI Act, DORA, UK Operational Resilience, and APRA’s CPS 230 all expect firms to treat AI as a critical service.
    – That means AI must be visible, tested, and recoverable — with Boards accountable.
Timeline (E.G. 3 FRAMEWORKS) > 2-10 Weeks

Impact Tolerance Design​

Define what matters most. Prepare for what hurts most.
We help you set impact tolerances that are meaningful, measurable, and aligned with regulatory expectations (FCA/PRA, DORA, EBA). Using your business services as the anchor, we quantify thresholds beyond which disruption becomes intolerable — grounding policy in real risk.

Deliverables:

  • Material Business Services (MBS) mapping
  • Impact tolerance thresholds and rationale
  • Board-ready briefing paper & heatmap
  • Regulator-aligned documentation pack
Timeline: 4–6 weeks

Scenario Testing Accelerator​

Turn compliance into capability.
We design and execute cross-functional scenario tests that meet regulatory bar — and reveal real gaps. These are not checkbox exercises, but dry runs that stress test your controls, governance, and supplier readiness under plausible, severe, but credible conditions.

Deliverables:

  • Custom Scenario Design: Tailored to your business model, covering cyber, third-party dependencies, people risk, DORA obligations, and AI-driven vulnerabilities.
  • Test Execution Playbook & Facilitation: A structured guide and expert-led workshops to ensure scenarios are run realistically and consistently.
  • Gap Analysis Report with Board-Level Narrative: Clear findings translated into regulatory language, ready for senior management and supervisory dialogue.
  • Remediation Roadmap with Accountability Matrix:  Actionable next steps with owners, timelines, and measurable outcomes.
Timeline: 6–8 weeks

Third-Party Resilience Deep Dive

Your resilience is only as strong as your weakest supplier.
We assess the resilience posture of your critical third parties — and your own oversight processes. Our framework incorporates DORA’s ICT third-party risk requirements, PRA SS2/21, and best-in-class operational continuity principles.

Deliverables:

  • Governance and oversight framework benchmarking
  • Readiness scorecard and resilience uplift plan
  • Optional vendor engagement support or audit
  • Third-party criticality heatmap and exposure matrix
Timeline: 5–7 weeks

Business Continuity

Crisis Management

TPRM

DORA

UK Operational Resilience