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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2hrk9kr.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Financial Cyber and Operational Resilience<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Financial Cyber and Operational Resilience<\/h1><p class=\"nx-scene-lede\"><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 operational-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk of loss from inadequate or failed processes, people and systems, or from external events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Operational risk<\/a>, cyber incidents and interconnected technology dependencies in financial services. Financial Cyber and Operational Resilience is an established platform of The Global Risks Alliance.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/about\/\">Open Industry scope and publisher <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/about\/\">About GRA<\/a><\/div><\/div><dl class=\"nx-scene-stats nx-es-stats\"><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd>4<\/dd><dd class=\"nx-scene-stat-note\">Canonical methods this field applies<\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd>8<\/dd><dd class=\"nx-scene-stat-note\">Subject pages in the field<\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd>10<\/dd><dd class=\"nx-scene-stat-note\">Platforms in shared fields across the network<\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd>2<\/dd><dd class=\"nx-scene-stat-note\">Reports series it contributes to<\/dd><\/div><\/dl><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Workspace<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">The workspace for Financial Cyber and Operational Resilience.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"console\"><div><div class=\"nx-window\"><div class=\"nx-window-bar\" aria-hidden=\"true\"><span class=\"nx-window-dots\"><span><\/span><span><\/span><span><\/span><\/span><span><strong>GRA<\/strong> \u00b7 Financial Cyber and Operational Resilience \u00b7 Important business services<\/span><span class=\"nx-window-note\">Illustrative<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-opres-services\" data-cx=\"opres.services\" data-variant=\"hero\" aria-label=\"Important business services: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Important business services<\/h3><p class=\"nx-fk-sub\">Bank B services \u00b7 Self-assessment 1 \u00b7 Example interface, not a record<\/p><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>One service outside tolerance<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Financial Cyber and Operational Resilience<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Services vs impact tolerance<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-opres-services-t0\"><table class=\"nx-fk-table\" data-fk-table=\"cx-opres-services-t0\" aria-label=\"Services vs impact tolerance\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Service<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Tolerance (h)<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Tested recovery (h)<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Scenario<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Result<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-opres-services:r0-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Make a payment<\/td><td data-num=\"true\" data-sv=\"4\">4<\/td><td data-num=\"true\" data-sv=\"2\">2<\/td><td>Cloud region loss<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Outside<\/span><\/td><\/tr><tr data-fk-key=\"cx-opres-services:r0-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Access cash<\/td><td data-num=\"true\" data-sv=\"15\">15<\/td><td data-num=\"true\" data-sv=\"8\">8<\/td><td>Cyber attack<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-opres-services:r0-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Mortgage servicing<\/td><td data-num=\"true\" data-sv=\"71\">71<\/td><td data-num=\"true\" data-sv=\"28\">28<\/td><td>Data centre loss<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-opres-services:r0-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Claims payment<\/td><td data-num=\"true\" data-sv=\"33\">33<\/td><td data-num=\"true\" data-sv=\"68\">68<\/td><td>Third-party failure<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Outside<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"map\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Dependency map<\/h4><p class=\"nx-fk-panel-sub\">people \u00b7 process \u00b7 technology \u00b7 third parties<\/p><\/div><\/div><div class=\"nx-cx-map\"><svg class=\"nx-cx-svg\" viewBox=\"0 0 480 250\" role=\"img\" aria-label=\"Dependency map: schematic on example geography. Illustrative.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"queue\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Remediation<\/h4><\/div><\/div><ol class=\"nx-cx-q\"><li><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>R-1<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Second claims platform supplier<\/span><span class=\"nx-cx-qm\">Exit plan tested<\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">113<\/span> d<\/span><\/li><li><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>R-2<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Immutable backups for payments<\/span><span class=\"nx-cx-qm\">Cyber recovery<\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">40<\/span> d<\/span><\/li><\/ol><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Important business services.<\/span><span data-honesty=\"true\">Illustrative interface; not live data.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Financial Cyber and Operational Resilience \u00b7 Important business services.<\/strong> <span>Important business services: example names and illustrative values, not a record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"finance\" aria-label=\"Frameworks, Exposure model, Topics\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Frameworks, Exposure model, Topics\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-frameworks\" aria-selected=\"true\" data-key=\"p1\">Frameworks<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-instrument\" aria-selected=\"false\" data-key=\"p2\">Exposure model<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-s-4-sec\" aria-selected=\"false\" data-key=\"p3\">Topics<\/button><\/div><section id=\"nx-sec-frameworks\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-2\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Frameworks<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What the work is read against.<\/h2><p class=\"nx-lede\">The platform does not set standards. It reads its evidence against the frameworks that competent bodies have adopted, so a finding can be placed where a decision-maker already works.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Framework or standard<\/th><th scope=\"col\">Body<\/th><th scope=\"col\">What it sets<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Framework or standard\">Principles for Operational Resilience and Principles for the Sound Management of <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 operational-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk of loss from inadequate or failed processes, people and systems, or from external events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Operational Risk<\/a><\/td><td data-label=\"Body\">Basel Committee on Banking Supervision<\/td><td data-label=\"What it sets\">Expectations for banks to identify critical operations, set tolerance for disruption, map interconnections and test resilience<\/td><\/tr><tr><td data-label=\"Framework or standard\">Digital Operational Resilience Act (DORA)<\/td><td data-label=\"Body\">European Union<\/td><td data-label=\"What it sets\">ICT risk management, incident classification and reporting, resilience testing, third-party risk and oversight of critical ICT providers<\/td><\/tr><tr><td data-label=\"Framework or standard\">Operational resilience policy for important business services and impact tolerances<\/td><td data-label=\"Body\">Bank of England, Prudential Regulation Authority and Financial Conduct Authority<\/td><td data-label=\"What it sets\">Requirements to identify important business services, set impact tolerances and remain within them in severe but plausible scenarios<\/td><\/tr><tr><td data-label=\"Framework or standard\">Recommendations to achieve greater convergence in <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 cyber-incident\" data-tk=\"Nexus risk vocabulary\" data-td=\"An event that compromises the confidentiality, integrity or availability of information systems or data.\" data-ts=\"NRS-C1\" data-tr=\"draft\">cyber incident<\/a> reporting and the Format for Incident Reporting Exchange (FIRE)<\/td><td data-label=\"Body\">Financial Stability Board<\/td><td data-label=\"What it sets\">Common terms and a common information format for reporting cyber and operational incidents to authorities<\/td><\/tr><tr><td data-label=\"Framework or standard\">G7 Fundamental Elements of Cybersecurity for the Financial Sector<\/td><td data-label=\"Body\">G7 Cyber Expert Group<\/td><td data-label=\"What it sets\">Elements of cybersecurity governance, third-party risk and threat-led testing for financial firms and authorities<\/td><\/tr><tr><td data-label=\"Framework or standard\">Cybersecurity Framework 2.0<\/td><td data-label=\"Body\">US National Institute of Standards and Technology (NIST)<\/td><td data-label=\"What it sets\">Govern, identify, protect, detect, respond and recover functions for managing cybersecurity risk<\/td><\/tr><tr><td data-label=\"Framework or standard\">ISO\/IEC 27001 information security management <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a><\/td><td data-label=\"Body\">ISO and IEC<\/td><td data-label=\"What it sets\">Requirements for establishing and improving an information security management system<\/td><\/tr><tr><td data-label=\"Framework or standard\">Guidance on cyber resilience for financial market infrastructures<\/td><td data-label=\"Body\">CPMI and IOSCO<\/td><td data-label=\"What it sets\">Cyber resilience expectations for infrastructures, including resumption of critical operations<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-ns-layout=\"es-wide\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure model<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">How a local shock becomes a system outage.<\/h2><p class=\"nx-lede\">How much of the networks an operator, insurer or lender depends on stays working after a local shock, and how much the coupling between them amplifies it. Teaching model with stated illustrative values, not a prediction.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-financial-cyber-resilience-0\" data-nxi=\"cascade\" data-nxi-id=\"cascade\" data-nxi-z=\"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\" aria-label=\"How a local shock becomes a system outage\"><div class=\"nx-in-body\"><div class=\"nx-in-main\"><div class=\"nx-in-tabs\" data-nxi-tabs=\"true\" aria-label=\"Views of the model\" hidden><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"result\">Result<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"layers\">Layers in 3D<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"fan\">Uncertainty<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"tornado\">Sensitivity<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"loops\">Loops<\/button><\/div><div class=\"nx-in-stage\" id=\"nx-in-financial-cyber-resilience-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Cascade by layer\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-in-tip\" data-nxi-tip=\"true\" aria-live=\"polite\"><\/p><div class=\"nx-in-bar\" data-nxi-bar=\"true\" role=\"group\" aria-label=\"Play over time\" hidden><button type=\"button\" class=\"nx-in-btn\" data-nxi-prev=\"true\" aria-label=\"Step back\">&#8249;<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-play=\"true\" aria-pressed=\"false\">Play<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-next=\"true\" aria-label=\"Step forward\">&#8250;<\/button><span class=\"nx-in-step\" data-nxi-step=\"true\" aria-live=\"polite\"><\/span><\/div><\/div><div class=\"nx-in-side\"><p class=\"nx-eyebrow\">Controls<\/p><div class=\"nx-in-ctl\" data-nxi-ctl=\"true\"><dl class=\"nx-in-pv\"><div><dt>Assets per layer<\/dt><dd>18<\/dd><\/div><div><dt>Hazard footprint<\/dt><dd>8% of area<\/dd><\/div><div><dt>Assets that depend on another layer<\/dt><dd>60%<\/dd><\/div><div><dt>Spare capacity (tolerance)<\/dt><dd>30%<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Assets hit by the hazard<\/dt><dd>9%<\/dd><\/div><div><dt>Assets still working<\/dt><dd>31%<\/dd><\/div><div><dt>Amplification of the initial damage<\/dt><dd>7.4 times<\/dd><\/div><div><dt>Steps to settle<\/dt><dd>6<\/dd><\/div><\/dl><\/div><\/div><details class=\"nx-in-more\"><summary>Numbers, methods and sources<\/summary><div class=\"nx-in-more-in\"><div class=\"nx-in-tblw\" data-nxi-table=\"true\"><table class=\"nx-in-tbl\"><thead><tr><th scope=\"col\">Step<\/th><th scope=\"col\">Data centres working (%)<\/th><th scope=\"col\">Networks working (%)<\/th><th scope=\"col\">Power working (%)<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">0<\/th><td>100<\/td><td>83<\/td><td>89<\/td><\/tr><tr><th scope=\"row\">1<\/th><td>100<\/td><td>67<\/td><td>61<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>94<\/td><td>67<\/td><td>22<\/td><\/tr><tr><th scope=\"row\">3<\/th><td>89<\/td><td>67<\/td><td>22<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>72<\/td><td>67<\/td><td>17<\/td><\/tr><tr><th scope=\"row\">5<\/th><td>39<\/td><td>56<\/td><td>17<\/td><\/tr><tr><th scope=\"row\">6<\/th><td>39<\/td><td>39<\/td><td>17<\/td><\/tr><\/tbody><\/table><\/div><button type=\"button\" class=\"nx-in-btn\" data-nxi-csv=\"true\" hidden>Download the numbers (CSV)<\/button><h4 class=\"nx-h4\">Methods<\/h4><ol class=\"nx-in-meth\"><li>Interdependent networks <span class=\"nx-in-cite\">Buldyrev and others (2010), Catastrophic cascade of failures in interdependent networks, Nature 464<\/span><\/li><li>Overload cascades <span class=\"nx-in-cite\">Motter and Lai (2002), Physical Review E 66<\/span><\/li><li>Betweenness load <span class=\"nx-in-cite\">Brandes (2001), Journal of Mathematical Sociology 25<\/span><\/li><li>Multilayer networks <span class=\"nx-in-cite\">Kivela and others (2014), Journal of Complex Networks 2<\/span><\/li><li>Infrastructure interdependencies <span class=\"nx-in-cite\">Rinaldi, Peerenboom and Kelly (2001), IEEE Control Systems 21(6)<\/span><\/li><li>Uncertainty fan (parameter Monte Carlo) <span class=\"nx-in-cite\">Spiegelhalter, Pearson and Short (2011), Visualising uncertainty about the future, Science 333<\/span><\/li><li>One-at-a-time sensitivity (tornado) <span class=\"nx-in-cite\">Saltelli and others (2008), Global Sensitivity Analysis: The Primer, Wiley<\/span><\/li><\/ol><h4 class=\"nx-h4\">Data<\/h4><p class=\"nx-p\">The model runs on the teaching values set by the controls. To calibrate it for a place, read it against these admitted layers and series, which this page&#8217;s map can draw:<\/p><ul class=\"nx-in-src\"><li>Major roads <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Railways <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Seaports <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Airports <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Urban extents <span class=\"nx-in-cite\">Natural Earth<\/span><\/li><li>Night lights tonight, outages (VIIRS Day\/Night Band) <span class=\"nx-in-cite\">NASA\/NOAA VIIRS (Suomi NPP) \u00b7 register nasa.gibs.context-live-layers<\/span><\/li><li>Natural events (NASA EONET) <span class=\"nx-in-cite\">NASA EONET \u00b7 register nasa.eonet.events<\/span><\/li><\/ul><\/div><\/details><figcaption class=\"nx-caption\">How a local shock becomes a system outage. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: Interdependent networks (Buldyrev and others (2010), Catastrophic cascade of failures in interdependent networks, Nature 464); Overload cascades (Motter and Lai (2002), Physical Review E 66); Betweenness load (Brandes (2001), Journal of Mathematical Sociology 25).<\/figcaption><div class=\"nx-in-pls\"><p class=\"nx-eyebrow\">Across the six pillars, led by Nexus Consortium<\/p><ul class=\"nx-in-pl\" aria-label=\"Where this instrument connects across the pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Experiments<\/span> <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Built in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/foundry\/\">Financial Cyber and Operational Resilience in Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Tested at<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/universe\/\">Financial Cyber and Operational Resilience in Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Codified in<\/span> <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/digital-ai\/\">Digital, Cyber and AI in Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Published in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/reports\/\">Financial Cyber and Operational Resilience in Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Taught in<\/span> <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/technology-digital\/\">Faculty of Technology and Digital Systems in Academy<\/a><\/li><\/ul><\/div><span class=\"nx-in-keep\" hidden><i data-c=\"c1\"><\/i><i data-c=\"c2\"><\/i><i data-c=\"c3\"><\/i><i data-c=\"c4\"><\/i><i data-c=\"c5\"><\/i><i data-c=\"c6\"><\/i><i data-c=\"l0\"><\/i><i data-c=\"l1\"><\/i><i data-c=\"l2\"><\/i><i data-c=\"l3\"><\/i><i data-c=\"l5\"><\/i><i data-c=\"h3\"><\/i><i data-c=\"neg\"><\/i><i data-c=\"on0\"><\/i><i data-c=\"on1\"><\/i><i data-l=\"0\"><\/i><i data-l=\"1\"><\/i><i data-l=\"2\"><\/i><i data-l=\"3\"><\/i><i data-l=\"4\"><\/i><i data-l=\"5\"><\/i><i data-on=\"0\"><\/i><i data-on=\"1\"><\/i><i data-pol=\"p\"><\/i><i data-pol=\"n\"><\/i><i data-k=\"R\"><\/i><i data-k=\"B\"><\/i><i data-k=\"dash\"><\/i><i data-dash=\"true\"><\/i><i data-view=\"result\"><\/i><i data-nxi-live=\"on\"><\/i><i data-nxi-live=\"off\"><\/i><i class=\"nx-in-svg nx-in-grid nx-in-ax nx-in-tk nx-in-at nx-in-ln nx-in-band nx-in-lbl nx-in-lk nx-in-ref nx-in-reft nx-in-mk nx-in-x nx-in-rect nx-in-val nx-in-rowl nx-in-cl nx-in-arrow nx-in-pol nx-in-cln nx-in-loop nx-in-edge nx-in-node nx-in-nl nx-in-reach nx-in-trib nx-in-agent nx-in-flow nx-in-legend nx-in-sw nx-in-note nx-in-loops nx-in-3d nx-in-cv nx-in-field nx-in-fl nx-in-fv nx-in-range nx-in-btn nx-in-err nx-in-tbl nx-in-cite\"><\/i><\/span><\/figure><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Topics<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">The questions this field works on.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/topics\/critical-business-services\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Critical business services<\/h3><p class=\"nx-p nx-mt-1\">Identifying service continuity outcomes.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/topics\/financial-cyber-threats\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial cyber threats<\/h3><p class=\"nx-p nx-mt-1\">Attack paths and control evidence.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/topics\/cloud-and-outsourcing\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Cloud and outsourcing<\/h3><p class=\"nx-p nx-mt-1\">Concentration and resilience.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/topics\/incident-and-crisis-response\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Incident and crisis response<\/h3><p class=\"nx-p nx-mt-1\">Response roles, escalation and recovery.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/topics\/digital-supply-chains\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Digital supply chains<\/h3><p class=\"nx-p nx-mt-1\">Vendor risks and software dependencies.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/topics\/data-integrity-and-availability\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Data integrity and availability<\/h3><p class=\"nx-p nx-mt-1\">Confidentiality, integrity and continuity.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/topics\/operational-resilience-testing\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Operational resilience testing<\/h3><p class=\"nx-p nx-mt-1\">Severe but plausible scenario design.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/topics\/resilience-metrics\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Resilience metrics<\/h3><p class=\"nx-p nx-mt-1\">Tolerances, metrics and measurement limits.<\/p><\/a><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-twin\" class=\"nx-section\" data-hue=\"infrastructure\" data-span=\"wide\" data-ns-layout=\"twin\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Twin and cascade simulator<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Trace a shock in Financial Cyber and Operational Resilience to the balance sheet.<\/h2><p class=\"nx-lede\">Assembled from the <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> area profile <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/digital-ai\/cyber-resilience-and-digital-operational-resilience\/\">Cyber resilience and digital operational resilience<\/a>: the shocks it names, the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> and sectors that carry the loss, the controls that dampen it and the data that observe it. Pick an initiating shock and step through the cascade to see which exposures it reaches and where losses could concentrate. The Map view places the run on an example geography with open data. Every weight is a stated assumption. An exercise, not a forecast, a valuation, a rating or investment advice. To model a place of your own choosing, open the full <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/system-builder\/\">System Builder<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-ns-twin\" data-ns-data=\"nx-twin-es-home-A-P06\" data-ns-credits=\"Nexus Standards registry and area profiles; Nexus Hazard Standard NHS-1 1.1.0\"><div class=\"nx-ns-twin-static\"><div><p class=\"nx-eyebrow\">Hazards<\/p><ul class=\"nx-list\"><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h47\" data-tc=\"NHS-1 infra.structural.dam-failure\" data-tk=\"Built systems \u00b7 Structural and civil failure\" data-td=\"Breach or collapse of a dam, sending a sudden flood wave downstream.\" data-ts=\"NRS-H47\" data-tr=\"draft\">Dam failure<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h9\" data-tc=\"NHS-1 water.flood.fluvial\" data-tk=\"Water systems \u00b7 Freshwater inundation\" data-td=\"River discharge exceeding channel capacity so that water spills over the banks and covers the floodplain for days.\" data-ts=\"NRS-H9\" data-tr=\"draft\">River flood<\/a> (set off downstream)<\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h9\" data-tc=\"NHS-1 water.flood.flash-flood\" data-tk=\"Water systems \u00b7 Freshwater inundation\" data-td=\"A fast, violent rise of water in a small catchment or dry channel within hours of intense rain.\" data-ts=\"NRS-H9\" data-tr=\"draft\">Flash flood<\/a> (set off downstream)<\/li><li>Mass displacement (set off downstream)<\/li><li>Widespread power outage (set off downstream)<\/li><li>Water supply shortfall (set off downstream)<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Systems and couplings<\/p><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/digital-ai\/cyber-resilience-and-digital-operational-resilience\/\">Cyber resilience and digital operational resilience<\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/digital-ai\/cyber-and-digital-risk-standards\/\">Cyber and digital risk standards<\/a> <span class=\"nx-ns-sub\">Mechanism<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/financial-stability-and-prudential-risk\/\">Financial stability and prudential risk<\/a> <span class=\"nx-ns-sub\">Cascade<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/energy-infrastructure\/business-continuity-and-resilience\/\">Business continuity and resilience<\/a> <span class=\"nx-ns-sub\">Mechanism<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/energy-infrastructure\/critical-infrastructure-and-critical-entities\/\">Critical infrastructure and critical entities<\/a> <span class=\"nx-ns-sub\">Dependency<\/span><\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Controls<\/p><ul class=\"nx-list\"><li><code>NS-0<\/code> Constitution and principles<\/li><li><code>NS-9<\/code> Contextual UNIs (deployments, instances, programme instances)<\/li><li><code>NS-10<\/code> Policies and clauses (machine-readable obligations: definition, binding, evaluation and enforcement)<\/li><li><code>NS-11<\/code> Verification and monitoring (evidence, attestations, zero-trust conformance observation)<\/li><li><code>NS-12<\/code> Software, model and AI\/ML artefacts (supply chain, model cards, dataset sheets)<\/li><li><code>NRS-X6<\/code> Cyber and digital security risk<\/li><li><code>NRS-H54<\/code> Hazard family: Signal and platform disruption (NHS-1 cyber.platform)<\/li><li><code>NRS-P10<\/code> Third-party, outsourcing and concentration risk<\/li><li><code>NRS-H107<\/code> Hazard family: Digital infrastructure concentration and monoculture (NHS-1 tech.digital-concentration)<\/li><li><code>NRS-K31<\/code> Domain pack profile: Cyber national resilience (DOMAIN-031)<\/li><li><code>NRS-S7<\/code> System profile: <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s7\" data-tc=\"NXS-EOP\" data-tk=\"Nexus system\" data-td=\"Earth observation and digital twins\" data-ts=\"NRS-S7\">NXS-EOP<\/a> (Earth observation and digital twins)<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Observation<\/p><ul class=\"nx-list\"><li>Known Exploited Vulnerabilities catalogue (listed for reference)<\/li><li>National Vulnerability Database (CVE enrichment API) (listed for reference)<\/li><li>OSV open source vulnerability database (listed for reference)<\/li><li>Proportion of population covered by a mobile network, by technology<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Example geography<\/p><ul class=\"nx-list\"><li>North America: 243 hexagonal cells<\/li><li>Night lights tonight, outages (VIIRS Day\/Night Band), NASA GIBS<\/li><li>Surface water through cloud, 30 m (OPERA DSWx-S1 radar), NASA GIBS<\/li><li>Rain rate, last half hour (IMERG), NASA GIBS<\/li><li>Surface soil moisture (SMAP), NASA GIBS<\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-overview\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Overview<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What Financial Cyber and Operational Resilience does.<\/h2><p class=\"nx-lede\">Financial cyber and operational resilience is the ability of financial firms to keep critical services running through cyber attacks, technology failures and supplier outages, and to recover correct data. Global Risks Alliance&#8217;s platform explains services and tolerances, threats, cloud, incidents, supply chains, testing and metrics. It does not publish intelligence or advise.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Who it serves<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its community<\/h3><p class=\"nx-p nx-mt-1\">Financial CISOs; <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 operational-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk of loss from inadequate or failed processes, people and systems, or from external events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">operational risk<\/a> officers; resilience specialists; cyber researchers.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M6 18h8\"\/><path d=\"M3 22h18\"\/><path d=\"M14 22a7 7 0 1 0 0-14h-1\"\/><path d=\"M9 14h2\"\/><path d=\"M9 12a2 2 0 0 1-2-2V6h6v4a2 2 0 0 1-2 2Z\"\/><path d=\"M12 6V3a1 1 0 0 0-1-1H9a1 1 0 0 0-1 1v3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">How it works<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its methods<\/h3><p class=\"nx-p nx-mt-1\">Financial operational resilience; third-party mapping; incident evidence.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">What it produces<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its outputs<\/h3><p class=\"nx-p nx-mt-1\">Resilience playbooks; finance cyber scenario summaries.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-nexus\" class=\"nx-section\" data-hue=\"infrastructure\" data-variant=\"stack\" data-nx-duo=\"true\" aria-labelledby=\"nx-sec-nexus-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Risk and response<\/span><\/div><h2 id=\"nx-sec-nexus-h\" class=\"nx-section-title\">Coupled risk, applied response.<\/h2><p class=\"nx-lede nx-nduo-lede\" data-lede=\"The sectors that carry exposure in {s} and how a loss in one passes to the others, across portfolios and public finances.\">The sectors that carry exposure in <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h9\" data-tc=\"NHS-1 water.flood.pluvial\" data-tk=\"Water systems \u00b7 Freshwater inundation\" data-td=\"Water ponding and running over land where intense rain exceeds the capacity of the ground and the drains, away from any river.\" data-ts=\"NRS-H9\" data-tr=\"draft\">urban flood<\/a> and how a loss in one passes to the others, across portfolios and public finances.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-nduo\" data-active=\"sig\" data-compose=\"pair\"><div class=\"nx-nduo-seg\" role=\"group\" aria-label=\"Show\" hidden><button type=\"button\" data-nduo=\"sig\" aria-pressed=\"true\">A \u00b7 Risk<\/button><button type=\"button\" data-nduo=\"phex\" aria-pressed=\"false\">B \u00b7 Response<\/button><\/div><div class=\"nx-nduo-ctx\"><p class=\"nx-nduo-ctxk\">Choose a context<\/p><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Signatures in context\" hidden><\/div><\/div><div class=\"nx-nduo-pair\"><figure class=\"nx-nsig nx-nduo-fig\" data-nx-sig=\"WEIH\" data-sig-ctx=\"urban-flood\" data-sig-name=\"Urban flood\" data-sig-line=\"Flooded streets take out substations, pumping stations and clinic access together; drinking water fails when power does.\" data-sig-inst=\"The Global Risks Alliance\" data-nduo-pane=\"sig\"><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span><b class=\"nx-nduo-ab\">A<\/b>Coupled risk across six sectors<\/span><span class=\"nx-nsig-pairs\">6 \/ 15 relations<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"Sector signature hexagon: Water, Energy, Infrastructure and Health selected, 6 of 15 relations in play, coupling 0.46. Teaching values.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-phex-apply nx-nsig-load\"><p class=\"nx-phex-aphd\"><span>Sectors \u00b7 <b class=\"nx-phex-apn\">Urban flood<\/b><\/span><span>Stress<\/span><\/p><ol class=\"nx-phex-aps\"><li><button type=\"button\" class=\"nx-phex-ap nx-phex-lead\" data-k=\"0\" data-key=\"W\" aria-pressed=\"true\"><span class=\"nx-phex-apl\">W<\/span><span class=\"nx-phex-aph\"><b>Water<\/b> first hit, then depends on infrastructure for pipes, dams and treatment works<\/span><span class=\"nx-phex-apk\"><span class=\"nx-nsig-bar\" data-v=\"9\" aria-hidden=\"true\"><i><\/i><\/span>0.86<\/span><\/button><\/li><li><button type=\"button\" class=\"nx-phex-ap nx-phex-lead\" data-k=\"1\" data-key=\"E\" aria-pressed=\"true\"><span class=\"nx-phex-apl\">E<\/span><span class=\"nx-phex-aph\"><b>Energy<\/b> depends on water for cooling water and hydropower<\/span><span class=\"nx-phex-apk\"><span class=\"nx-nsig-bar\" data-v=\"4\" aria-hidden=\"true\"><i><\/i><\/span>0.37<\/span><\/button><\/li><li><button type=\"button\" class=\"nx-phex-ap nx-phex-lead\" data-k=\"2\" data-key=\"I\" aria-pressed=\"true\"><span class=\"nx-phex-apl\">I<\/span><span class=\"nx-phex-aph\"><b>Infrastructure<\/b> first hit, then depends on energy for power for transport and telecoms<\/span><span class=\"nx-phex-apk\"><span class=\"nx-nsig-bar\" data-v=\"8\" aria-hidden=\"true\"><i><\/i><\/span>0.83<\/span><\/button><\/li><li><button type=\"button\" class=\"nx-phex-ap\" data-k=\"3\" data-key=\"F\" aria-pressed=\"false\"><span class=\"nx-phex-apl\">F<\/span><span class=\"nx-phex-aph\"><b>Food<\/b> outside this context<\/span><span class=\"nx-phex-apk\">\u2013<\/span><\/button><\/li><li><button type=\"button\" class=\"nx-phex-ap nx-phex-lead\" data-k=\"4\" data-key=\"H\" aria-pressed=\"true\"><span class=\"nx-phex-apl\">H<\/span><span class=\"nx-phex-aph\"><b>Health<\/b> depends on water for drinking water and sanitation<\/span><span class=\"nx-phex-apk\"><span class=\"nx-nsig-bar\" data-v=\"4\" aria-hidden=\"true\"><i><\/i><\/span>0.41<\/span><\/button><\/li><li><button type=\"button\" class=\"nx-phex-ap\" data-k=\"5\" data-key=\"B\" aria-pressed=\"false\"><span class=\"nx-phex-apl\">B<\/span><span class=\"nx-phex-aph\"><b>Biodiversity<\/b> outside this context<\/span><span class=\"nx-phex-apk\">\u2013<\/span><\/button><\/li><\/ol><\/div><figcaption class=\"nx-nsig-note\">Illustrative: a teaching cascade over teaching values, not measurements.<\/figcaption><\/figure><div class=\"nx-nduo-bridge\" aria-hidden=\"true\"><span class=\"nx-nduo-bridge-l\">applied to<\/span><span class=\"nx-nduo-bridge-a\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/div><figure class=\"nx-nsig nx-phex nx-nduo-fig\" data-nx-phex=\"01235\" data-phex-ctx=\"whole\" data-phex=\"{&quot;S&quot;:[{&quot;id&quot;:&quot;labs&quot;,&quot;c&quot;:&quot;L&quot;,&quot;name&quot;:&quot;Labs&quot;,&quot;full&quot;:&quot;Labs&quot;,&quot;verb&quot;:&quot;Experiments&quot;,&quot;url&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;does&quot;:[&quot;Turns open questions into designed experiments&quot;,&quot;Prototypes new methods, data pipelines and tools&quot;,&quot;Records failures and limits alongside results&quot;,&quot;Hands reproducible prototypes to the Foundry&quot;]},{&quot;id&quot;:&quot;foundry&quot;,&quot;c&quot;:&quot;F&quot;,&quot;name&quot;:&quot;Foundry&quot;,&quot;full&quot;:&quot;Foundry&quot;,&quot;verb&quot;:&quot;Builds&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/nexus-cycle\/build\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-foundry\/&quot;,&quot;does&quot;:[&quot;Builds the cycle's software, data and environments&quot;,&quot;Simulates scenarios and runs benchmarks&quot;,&quot;Monitors hazards, systems and evidence&quot;,&quot;Develops and tracks the National Portfolio&quot;]},{&quot;id&quot;:&quot;universe&quot;,&quot;c&quot;:&quot;U&quot;,&quot;name&quot;:&quot;Universe&quot;,&quot;full&quot;:&quot;Universe&quot;,&quot;verb&quot;:&quot;Convenes and tests&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/engagement\/nexus-universe\/&quot;,&quot;home&quot;:&quot;https:\/\/universe.nexus\/&quot;,&quot;does&quot;:[&quot;Sets the annual mandate and admits missions&quot;,&quot;Runs readiness, the controlled build and Action Week&quot;,&quot;Stands down temporary capacity and seals evidence&quot;,&quot;Reviews the year and renews the mandate&quot;]},{&quot;id&quot;:&quot;standards&quot;,&quot;c&quot;:&quot;S&quot;,&quot;name&quot;:&quot;Standards&quot;,&quot;full&quot;:&quot;Nexus Standards&quot;,&quot;verb&quot;:&quot;Codify and correct&quot;,&quot;url&quot;:&quot;https:\/\/nexustandards.com\/&quot;,&quot;home&quot;:&quot;https:\/\/nexustandards.com\/&quot;,&quot;does&quot;:[&quot;Identifies every artefact with a UNI&quot;,&quot;Routes work to the standards that apply&quot;,&quot;Validates and monitors conformance evidence&quot;,&quot;Takes cycle findings as change proposals&quot;,&quot;Records national adoption&quot;]},{&quot;id&quot;:&quot;reports&quot;,&quot;c&quot;:&quot;R&quot;,&quot;name&quot;:&quot;Reports&quot;,&quot;full&quot;:&quot;Reports&quot;,&quot;verb&quot;:&quot;Publishes&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/nexus-cycle\/publish\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-reports\/&quot;,&quot;does&quot;:[&quot;Publishes four editions a year, with Q4 as the annual flagship&quot;,&quot;Maintains country and regional profiles&quot;,&quot;Publishes exponential technology streams&quot;,&quot;Records corrections and method changes&quot;]},{&quot;id&quot;:&quot;academy&quot;,&quot;c&quot;:&quot;A&quot;,&quot;name&quot;:&quot;Academy&quot;,&quot;full&quot;:&quot;Risk Academy&quot;,&quot;verb&quot;:&quot;Teaches&quot;,&quot;url&quot;:&quot;https:\/\/risksacademy.com\/&quot;,&quot;home&quot;:&quot;https:\/\/risksacademy.com\/&quot;,&quot;does&quot;:[&quot;Publishes a course for every system, standard and programme role&quot;,&quot;Assesses learning on real cycle tasks&quot;,&quot;Issues microcredentials and achievements through accountable issuers&quot;,&quot;Feeds qualified people into the next cycle&quot;]}],&quot;H&quot;:[{&quot;id&quot;:&quot;F01&quot;,&quot;f&quot;:2,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Admitted mission becomes a cycle project with a decision case&quot;},{&quot;id&quot;:&quot;F02&quot;,&quot;f&quot;:1,&quot;t&quot;:2,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Core Build Report and go or no-go evidence&quot;},{&quot;id&quot;:&quot;F03&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Sealed observations and indicator series behind a profile&quot;},{&quot;id&quot;:&quot;F04&quot;,&quot;f&quot;:2,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;After-action and scenario findings for chapters 10 and 13&quot;},{&quot;id&quot;:&quot;F05&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;National Portfolio movement for chapter 11&quot;},{&quot;id&quot;:&quot;F06&quot;,&quot;f&quot;:4,&quot;t&quot;:3,&quot;ph&quot;:&quot;CORRECTION&quot;,&quot;art&quot;:&quot;Method and correction findings as change proposals&quot;},{&quot;id&quot;:&quot;F07&quot;,&quot;f&quot;:2,&quot;t&quot;:3,&quot;ph&quot;:&quot;DOCKET_REVIEW&quot;,&quot;art&quot;:&quot;Docket items that need a standard or a profile&quot;},{&quot;id&quot;:&quot;F08&quot;,&quot;f&quot;:3,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Composed mission profiles and national adoption records&quot;},{&quot;id&quot;:&quot;F09&quot;,&quot;f&quot;:3,&quot;t&quot;:5,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Each adopted standard or profile becomes a course module&quot;},{&quot;id&quot;:&quot;F10&quot;,&quot;f&quot;:2,&quot;t&quot;:5,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Assessed cycle tasks become completion evidence&quot;},{&quot;id&quot;:&quot;F11&quot;,&quot;f&quot;:5,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Qualified participants for the next cycle's roles&quot;},{&quot;id&quot;:&quot;F12&quot;,&quot;f&quot;:4,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Q4 synthesis informs the next-year mandate&quot;},{&quot;id&quot;:&quot;F13&quot;,&quot;f&quot;:1,&quot;t&quot;:3,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Validation and monitoring evidence for conformance review&quot;},{&quot;id&quot;:&quot;F14&quot;,&quot;f&quot;:1,&quot;t&quot;:5,&quot;ph&quot;:&quot;PLANNING&quot;,&quot;art&quot;:&quot;Each system's rooms become a learning-by-doing course&quot;},{&quot;id&quot;:&quot;R1&quot;,&quot;f&quot;:3,&quot;t&quot;:4,&quot;ph&quot;:null,&quot;art&quot;:&quot;Applied in editions&quot;},{&quot;id&quot;:&quot;R2&quot;,&quot;f&quot;:4,&quot;t&quot;:5,&quot;ph&quot;:null,&quot;art&quot;:&quot;Taught in the open&quot;},{&quot;id&quot;:&quot;R3&quot;,&quot;f&quot;:5,&quot;t&quot;:0,&quot;ph&quot;:null,&quot;art&quot;:&quot;Questions become experiments&quot;},{&quot;id&quot;:&quot;R4&quot;,&quot;f&quot;:0,&quot;t&quot;:1,&quot;ph&quot;:null,&quot;art&quot;:&quot;Tested prototypes are built&quot;}],&quot;PH&quot;:[[&quot;PLANNING&quot;,&quot;Planning&quot;],[&quot;READINESS_PREPARATION&quot;,&quot;Readiness preparation&quot;],[&quot;CONTROLLED_BUILD&quot;,&quot;Controlled build&quot;],[&quot;CLOSEOUT&quot;,&quot;Closeout&quot;],[&quot;AFTER_ACTION_REVIEW&quot;,&quot;After-action review&quot;],[&quot;CORRECTION&quot;,&quot;Correction&quot;],[&quot;DOCKET_REVIEW&quot;,&quot;Docket review&quot;],[&quot;RENEWAL&quot;,&quot;Renewal&quot;]],&quot;L&quot;:[[1,3],[1,2],[2,5],[2,4],[1,5,2],[1,4,3],[1,4,2],[1,2,3],[2,3,5],[1,5,2,3],[1,4,2,3],[1,3,5,2],[1,2,4,3],[2,4,3,5],[1,5,2,4,3],[1,4,3,5,2],[0,1,2,3,4,5]],&quot;CTX&quot;:[{&quot;id&quot;:&quot;whole&quot;,&quot;n&quot;:&quot;The whole programme&quot;,&quot;s&quot;:[0,1,2,3,4,5],&quot;t&quot;:&quot;Every pillar hands its work to another; together they close the year's feedback loops.&quot;},{&quot;id&quot;:&quot;practice&quot;,&quot;n&quot;:&quot;From prototype to practice&quot;,&quot;s&quot;:[0,1,2,3],&quot;t&quot;:&quot;A Labs prototype is built in the Foundry, tested in a Universe mission and codified as a standard.&quot;},{&quot;id&quot;:&quot;build-test&quot;,&quot;n&quot;:&quot;Build and test&quot;,&quot;s&quot;:[1,2],&quot;t&quot;:&quot;The Foundry builds what a mission needs; Universe returns the go or no-go evidence.&quot;},{&quot;id&quot;:&quot;conformance&quot;,&quot;n&quot;:&quot;Conformance&quot;,&quot;s&quot;:[1,3],&quot;t&quot;:&quot;Validation evidence goes to Standards for review; composed profiles come back for the next build.&quot;},{&quot;id&quot;:&quot;correction&quot;,&quot;n&quot;:&quot;A finding becomes a correction&quot;,&quot;s&quot;:[1,4,3],&quot;t&quot;:&quot;Observations are published, a method finding becomes a change proposal, the corrected profile returns to the build.&quot;},{&quot;id&quot;:&quot;mandate&quot;,&quot;n&quot;:&quot;Setting the next mandate&quot;,&quot;s&quot;:[2,4],&quot;t&quot;:&quot;After-action findings go into the editions; the Q4 synthesis informs next year's mandate.&quot;},{&quot;id&quot;:&quot;people&quot;,&quot;n&quot;:&quot;People for the next cycle&quot;,&quot;s&quot;:[2,5],&quot;t&quot;:&quot;Assessed cycle tasks become completion evidence; qualified participants take roles in the next cycle.&quot;},{&quot;id&quot;:&quot;learning&quot;,&quot;n&quot;:&quot;Learning by doing&quot;,&quot;s&quot;:[1,2,5],&quot;t&quot;:&quot;Each system's rooms become a course; learners join missions, and missions return to the Foundry.&quot;}],&quot;AP&quot;:{&quot;urban-flood&quot;:{&quot;lead&quot;:[&quot;labs&quot;,&quot;foundry&quot;,&quot;universe&quot;,&quot;standards&quot;,&quot;academy&quot;],&quot;slots&quot;:[{&quot;key&quot;:&quot;disrupt&quot;,&quot;slot&quot;:&quot;risk&quot;,&quot;v&quot;:&quot;$390B&quot;,&quot;k&quot;:&quot;a year at least, in infrastructure disruption costs to households and firms in low- and middle-income countries&quot;,&quot;t&quot;:&quot;At least, by households and firms in low- and middle-income countries to infrastructure disruptions&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},{&quot;key&quot;:&quot;roi4&quot;,&quot;slot&quot;:&quot;ret&quot;,&quot;v&quot;:&quot;4 : 1&quot;,&quot;k&quot;:&quot;benefit to cost&quot;,&quot;t&quot;:&quot;Net benefit of more resilient infrastructure in developing countries, over the life of the assets&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},{&quot;key&quot;:&quot;warn30&quot;,&quot;slot&quot;:&quot;avoid&quot;,&quot;v&quot;:&quot;30%&quot;,&quot;k&quot;:&quot;less damage with 24 hours' warning of a storm or heatwave&quot;,&quot;t&quot;:&quot;With 24 hours' warning of a coming storm or heatwave&quot;,&quot;s&quot;:&quot;Global Commission on Adaptation, Adapt Now, 2019&quot;,&quot;url&quot;:&quot;https:\/\/gca.org\/reports\/adapt-now-a-global-call-for-leadership-on-climate-resilience\/&quot;}],&quot;head&quot;:{&quot;key&quot;:&quot;roi4&quot;,&quot;slot&quot;:&quot;ret&quot;,&quot;v&quot;:&quot;4 : 1&quot;,&quot;k&quot;:&quot;benefit to cost&quot;,&quot;t&quot;:&quot;Net benefit of more resilient infrastructure in developing countries, over the life of the assets&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},&quot;P&quot;:{&quot;labs&quot;:{&quot;how&quot;:&quot;Flood-depth nowcast from rain gauges and terrain&quot;,&quot;kpi&quot;:&quot;Warning lead time&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WI&quot;,&quot;bench&quot;:&quot;30%&quot;},&quot;foundry&quot;:{&quot;how&quot;:&quot;City twin links substations, pumps and clinics to flood depth&quot;,&quot;kpi&quot;:&quot;Lifelines modelled&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WEIH&quot;,&quot;bench&quot;:null},&quot;universe&quot;:{&quot;how&quot;:&quot;Exercise: keep water and power running through a 1-in-100 flood&quot;,&quot;kpi&quot;:&quot;Hours to restore&quot;,&quot;dir&quot;:&quot;down&quot;,&quot;sec&quot;:&quot;WEH&quot;,&quot;bench&quot;:null},&quot;standards&quot;:{&quot;how&quot;:&quot;Shared asset records so utilities exchange outage data&quot;,&quot;kpi&quot;:&quot;Agencies sharing records&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WEI&quot;,&quot;bench&quot;:null},&quot;reports&quot;:{&quot;how&quot;:&quot;City flood profile of exposed lifelines&quot;,&quot;kpi&quot;:&quot;Assets profiled&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;I&quot;,&quot;bench&quot;:&quot;$390B&quot;},&quot;academy&quot;:{&quot;how&quot;:&quot;Course for utility and emergency operators&quot;,&quot;kpi&quot;:&quot;Operators qualified&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WEH&quot;,&quot;bench&quot;:null}},&quot;n&quot;:&quot;Urban flood&quot;},&quot;hydropower&quot;:{&quot;lead&quot;:[&quot;labs&quot;,&quot;foundry&quot;,&quot;standards&quot;,&quot;reports&quot;],&quot;slots&quot;:[{&quot;key&quot;:&quot;disrupt&quot;,&quot;slot&quot;:&quot;risk&quot;,&quot;v&quot;:&quot;$390B&quot;,&quot;k&quot;:&quot;a year at least, in infrastructure disruption costs to households and firms in low- and middle-income countries&quot;,&quot;t&quot;:&quot;At least, by households and firms in low- and middle-income countries to infrastructure disruptions&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},{&quot;key&quot;:&quot;roi4&quot;,&quot;slot&quot;:&quot;ret&quot;,&quot;v&quot;:&quot;4 : 1&quot;,&quot;k&quot;:&quot;benefit to cost&quot;,&quot;t&quot;:&quot;Net benefit of more resilient infrastructure in developing countries, over the life of the assets&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},null],&quot;head&quot;:{&quot;key&quot;:&quot;roi4&quot;,&quot;slot&quot;:&quot;ret&quot;,&quot;v&quot;:&quot;4 : 1&quot;,&quot;k&quot;:&quot;benefit to cost&quot;,&quot;t&quot;:&quot;Net benefit of more resilient infrastructure in developing countries, over the life of the assets&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},&quot;P&quot;:{&quot;labs&quot;:{&quot;how&quot;:&quot;Inflow forecasts and sediment models for the reservoir&quot;,&quot;kpi&quot;:&quot;Forecast skill&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WB&quot;,&quot;bench&quot;:null},&quot;foundry&quot;:{&quot;how&quot;:&quot;Basin twin trades power, flood storage and river 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qualified&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WE&quot;,&quot;bench&quot;:null}},&quot;n&quot;:&quot;Hydropower reservoir&quot;},&quot;drought&quot;:{&quot;lead&quot;:[&quot;labs&quot;,&quot;foundry&quot;,&quot;universe&quot;,&quot;standards&quot;,&quot;reports&quot;,&quot;academy&quot;],&quot;slots&quot;:[null,{&quot;key&quot;:&quot;adapt71&quot;,&quot;slot&quot;:&quot;ret&quot;,&quot;v&quot;:&quot;$7.1T&quot;,&quot;k&quot;:&quot;net benefits&quot;,&quot;t&quot;:&quot;From $1.8T invested in five adaptation areas from 2020 to 2030, water management among them&quot;,&quot;s&quot;:&quot;Global Commission on Adaptation, Adapt Now, 2019&quot;,&quot;url&quot;:&quot;https:\/\/gca.org\/reports\/adapt-now-a-global-call-for-leadership-on-climate-resilience\/&quot;},null],&quot;head&quot;:{&quot;key&quot;:&quot;adapt71&quot;,&quot;slot&quot;:&quot;ret&quot;,&quot;v&quot;:&quot;$7.1T&quot;,&quot;k&quot;:&quot;net benefits&quot;,&quot;t&quot;:&quot;From $1.8T invested in five adaptation areas from 2020 to 2030, water management among them&quot;,&quot;s&quot;:&quot;Global Commission on Adaptation, Adapt Now, 2019&quot;,&quot;url&quot;:&quot;https:\/\/gca.org\/reports\/adapt-now-a-global-call-for-leadership-on-climate-resilience\/&quot;},&quot;P&quot;:{&quot;labs&quot;:{&quot;how&quot;:&quot;Drought index from rainfall, soil moisture and river flow&quot;,&quot;kpi&quot;:&quot;Lead time to trigger&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WF&quot;,&quot;bench&quot;:null},&quot;foundry&quot;:{&quot;how&quot;:&quot;Allocation model for irrigation, cooling and drinking water&quot;,&quot;kpi&quot;:&quot;Demand met in drought&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WEFH&quot;,&quot;bench&quot;:&quot;$7.1T&quot;},&quot;universe&quot;:{&quot;how&quot;:&quot;Early-action exercise with water and agriculture ministries&quot;,&quot;kpi&quot;:&quot;Days from trigger to action&quot;,&quot;dir&quot;:&quot;down&quot;,&quot;sec&quot;:&quot;WF&quot;,&quot;bench&quot;:null},&quot;standards&quot;:{&quot;how&quot;:&quot;Trigger thresholds and records agencies can share&quot;,&quot;kpi&quot;:&quot;Triggers adopted&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WF&quot;,&quot;bench&quot;:null},&quot;reports&quot;:{&quot;how&quot;:&quot;Seasonal drought outlook and food-price signals&quot;,&quot;kpi&quot;:&quot;Outlooks issued&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;FH&quot;,&quot;bench&quot;:null},&quot;academy&quot;:{&quot;how&quot;:&quot;Course for basin and food-security officers&quot;,&quot;kpi&quot;:&quot;Officers qualified&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WFB&quot;,&quot;bench&quot;:null}},&quot;n&quot;:&quot;Drought&quot;},&quot;heatwave&quot;:{&quot;lead&quot;:[&quot;foundry&quot;,&quot;universe&quot;,&quot;reports&quot;,&quot;academy&quot;],&quot;slots&quot;:[null,null,{&quot;key&quot;:&quot;heat&quot;,&quot;slot&quot;:&quot;avoid&quot;,&quot;v&quot;:&quot;1,190&quot;,&quot;k&quot;:&quot;deaths avoided a year&quot;,&quot;t&quot;:&quot;Estimated after Ahmedabad's heat action plan, the first in South Asia&quot;,&quot;s&quot;:&quot;Hess et al., J. Environ. Public Health, 2018&quot;,&quot;url&quot;:&quot;https:\/\/doi.org\/10.1155\/2018\/7973519&quot;}],&quot;head&quot;:{&quot;key&quot;:&quot;heat&quot;,&quot;slot&quot;:&quot;avoid&quot;,&quot;v&quot;:&quot;1,190&quot;,&quot;k&quot;:&quot;deaths avoided a year&quot;,&quot;t&quot;:&quot;Estimated after Ahmedabad's heat action plan, the first in South Asia&quot;,&quot;s&quot;:&quot;Hess et al., J. Environ. Public Health, 2018&quot;,&quot;url&quot;:&quot;https:\/\/doi.org\/10.1155\/2018\/7973519&quot;},&quot;P&quot;:{&quot;labs&quot;:{&quot;how&quot;:&quot;Heat-health thresholds from temperature and admissions&quot;,&quot;kpi&quot;:&quot;Threshold accuracy&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;H&quot;,&quot;bench&quot;:null},&quot;foundry&quot;:{&quot;how&quot;:&quot;Grid peak and river temperature model for the heat season&quot;,&quot;kpi&quot;:&quot;Peak hours foreseen&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WE&quot;,&quot;bench&quot;:null},&quot;universe&quot;:{&quot;how&quot;:&quot;Heat action plan exercise with health and grid operators&quot;,&quot;kpi&quot;:&quot;Alert-to-action hours&quot;,&quot;dir&quot;:&quot;down&quot;,&quot;sec&quot;:&quot;EH&quot;,&quot;bench&quot;:&quot;1,190&quot;},&quot;standards&quot;:{&quot;how&quot;:&quot;Shared heat-alert levels and response records&quot;,&quot;kpi&quot;:&quot;Agencies on one scale&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;EH&quot;,&quot;bench&quot;:null},&quot;reports&quot;:{&quot;how&quot;:&quot;Heat season review of health and power outcomes&quot;,&quot;kpi&quot;:&quot;Excess deaths tracked&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;H&quot;,&quot;bench&quot;:null},&quot;academy&quot;:{&quot;how&quot;:&quot;Course for health and utility planners&quot;,&quot;kpi&quot;:&quot;Planners qualified&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;EHF&quot;,&quot;bench&quot;:null}},&quot;n&quot;:&quot;Heatwave&quot;},&quot;blackout&quot;:{&quot;lead&quot;:[&quot;foundry&quot;,&quot;universe&quot;,&quot;standards&quot;,&quot;academy&quot;],&quot;slots&quot;:[{&quot;key&quot;:&quot;disrupt&quot;,&quot;slot&quot;:&quot;risk&quot;,&quot;v&quot;:&quot;$390B&quot;,&quot;k&quot;:&quot;a year at least, in infrastructure disruption costs to households and firms in low- and middle-income countries&quot;,&quot;t&quot;:&quot;At least, by households and firms in low- and middle-income countries to infrastructure disruptions&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},{&quot;key&quot;:&quot;roi4&quot;,&quot;slot&quot;:&quot;ret&quot;,&quot;v&quot;:&quot;4 : 1&quot;,&quot;k&quot;:&quot;benefit to cost&quot;,&quot;t&quot;:&quot;Net benefit of more resilient infrastructure in developing countries, over the life of the assets&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},null],&quot;head&quot;:{&quot;key&quot;:&quot;roi4&quot;,&quot;slot&quot;:&quot;ret&quot;,&quot;v&quot;:&quot;4 : 1&quot;,&quot;k&quot;:&quot;benefit to cost&quot;,&quot;t&quot;:&quot;Net benefit of more resilient infrastructure in developing countries, over the life of the assets&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},&quot;P&quot;:{&quot;labs&quot;:{&quot;how&quot;:&quot;Cascade model of what fails when the grid does&quot;,&quot;kpi&quot;:&quot;Dependencies mapped&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;EI&quot;,&quot;bench&quot;:null},&quot;foundry&quot;:{&quot;how&quot;:&quot;Twin of backup fuel, water treatment and cold chains&quot;,&quot;kpi&quot;:&quot;Hours of autonomy&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WEFH&quot;,&quot;bench&quot;:null},&quot;universe&quot;:{&quot;how&quot;:&quot;Black-start exercise across utilities and hospitals&quot;,&quot;kpi&quot;:&quot;Hours to restore&quot;,&quot;dir&quot;:&quot;down&quot;,&quot;sec&quot;:&quot;EIH&quot;,&quot;bench&quot;:&quot;$390B&quot;},&quot;standards&quot;:{&quot;how&quot;:&quot;Interdependency records shared by operators&quot;,&quot;kpi&quot;:&quot;Operators sharing&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WEI&quot;,&quot;bench&quot;:null},&quot;reports&quot;:{&quot;how&quot;:&quot;Lifeline resilience profile&quot;,&quot;kpi&quot;:&quot;Outage hours a year&quot;,&quot;dir&quot;:&quot;down&quot;,&quot;sec&quot;:&quot;EI&quot;,&quot;bench&quot;:null},&quot;academy&quot;:{&quot;how&quot;:&quot;Course on interdependent infrastructure&quot;,&quot;kpi&quot;:&quot;Operators qualified&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;EI&quot;,&quot;bench&quot;:null}},&quot;n&quot;:&quot;Grid blackout&quot;},&quot;pandemic&quot;:{&quot;lead&quot;:[&quot;foundry&quot;,&quot;universe&quot;,&quot;reports&quot;,&quot;academy&quot;],&quot;slots&quot;:[{&quot;key&quot;:&quot;ghrf&quot;,&quot;slot&quot;:&quot;risk&quot;,&quot;v&quot;:&quot;$60B+&quot;,&quot;k&quot;:&quot;expected losses a year&quot;,&quot;t&quot;:&quot;Expected annual cost of pandemics, against about $4.5B a year to prepare&quot;,&quot;s&quot;:&quot;Commission on a Global Health Risk Framework, 2016&quot;,&quot;url&quot;:&quot;https:\/\/doi.org\/10.17226\/21891&quot;},null,null],&quot;head&quot;:{&quot;key&quot;:&quot;ghrf&quot;,&quot;slot&quot;:&quot;risk&quot;,&quot;v&quot;:&quot;$60B+&quot;,&quot;k&quot;:&quot;expected losses a year&quot;,&quot;t&quot;:&quot;Expected annual cost of pandemics, against about $4.5B a year to prepare&quot;,&quot;s&quot;:&quot;Commission on a Global Health Risk Framework, 2016&quot;,&quot;url&quot;:&quot;https:\/\/doi.org\/10.17226\/21891&quot;},&quot;P&quot;:{&quot;labs&quot;:{&quot;how&quot;:&quot;Workforce-absence scenarios for essential services&quot;,&quot;kpi&quot;:&quot;Scenarios tested&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;EIH&quot;,&quot;bench&quot;:null},&quot;foundry&quot;:{&quot;how&quot;:&quot;Continuity board for clinics, grid and logistics&quot;,&quot;kpi&quot;:&quot;Services monitored&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;EIFH&quot;,&quot;bench&quot;:null},&quot;universe&quot;:{&quot;how&quot;:&quot;Continuity exercise across health, energy and food&quot;,&quot;kpi&quot;:&quot;Services kept running&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;EFH&quot;,&quot;bench&quot;:&quot;$60B+&quot;},&quot;standards&quot;:{&quot;how&quot;:&quot;Shared surveillance and continuity records&quot;,&quot;kpi&quot;:&quot;Days to share data&quot;,&quot;dir&quot;:&quot;down&quot;,&quot;sec&quot;:&quot;H&quot;,&quot;bench&quot;:null},&quot;reports&quot;:{&quot;how&quot;:&quot;After-action findings on essential services&quot;,&quot;kpi&quot;:&quot;Findings acted on&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;EIFH&quot;,&quot;bench&quot;:null},&quot;academy&quot;:{&quot;how&quot;:&quot;Course for continuity managers&quot;,&quot;kpi&quot;:&quot;Managers qualified&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;IH&quot;,&quot;bench&quot;:null}},&quot;n&quot;:&quot;Pandemic&quot;},&quot;pollinator&quot;:{&quot;lead&quot;:[&quot;labs&quot;,&quot;foundry&quot;,&quot;standards&quot;,&quot;reports&quot;],&quot;slots&quot;:[{&quot;key&quot;:&quot;pollin&quot;,&quot;slot&quot;:&quot;risk&quot;,&quot;v&quot;:&quot;$235\u2013577B&quot;,&quot;k&quot;:&quot;crop output at risk a year&quot;,&quot;t&quot;:&quot;Annual global crop output that depends on animal pollination&quot;,&quot;s&quot;:&quot;IPBES, Assessment report on pollinators, 2016&quot;,&quot;url&quot;:&quot;https:\/\/www.ipbes.net\/assessment-reports\/pollinators&quot;},null,null],&quot;head&quot;:{&quot;key&quot;:&quot;pollin&quot;,&quot;slot&quot;:&quot;risk&quot;,&quot;v&quot;:&quot;$235\u2013577B&quot;,&quot;k&quot;:&quot;crop output at risk a year&quot;,&quot;t&quot;:&quot;Annual global crop output that depends on animal pollination&quot;,&quot;s&quot;:&quot;IPBES, Assessment report on pollinators, 2016&quot;,&quot;url&quot;:&quot;https:\/\/www.ipbes.net\/assessment-reports\/pollinators&quot;},&quot;P&quot;:{&quot;labs&quot;:{&quot;how&quot;:&quot;Maps of pollinators and the yields that depend on them&quot;,&quot;kpi&quot;:&quot;Area mapped&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;FB&quot;,&quot;bench&quot;:&quot;$235\u2013577B&quot;},&quot;foundry&quot;:{&quot;how&quot;:&quot;Yield and diet-quality model by crop&quot;,&quot;kpi&quot;:&quot;Crops modelled&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;FH&quot;,&quot;bench&quot;:null},&quot;universe&quot;:{&quot;how&quot;:&quot;Landscape mission with farmers and conservation agencies&quot;,&quot;kpi&quot;:&quot;Hectares in the mission&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;FB&quot;,&quot;bench&quot;:null},&quot;standards&quot;:{&quot;how&quot;:&quot;Common biodiversity monitoring records&quot;,&quot;kpi&quot;:&quot;Sites reporting&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;B&quot;,&quot;bench&quot;:null},&quot;reports&quot;:{&quot;how&quot;:&quot;Nature and nutrition profile&quot;,&quot;kpi&quot;:&quot;Indicators tracked&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;FHB&quot;,&quot;bench&quot;:null},&quot;academy&quot;:{&quot;how&quot;:&quot;Course on nature-dependent farming&quot;,&quot;kpi&quot;:&quot;Advisers qualified&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;FB&quot;,&quot;bench&quot;:null}},&quot;n&quot;:&quot;Pollinator decline&quot;},&quot;storm-surge&quot;:{&quot;lead&quot;:[&quot;labs&quot;,&quot;foundry&quot;,&quot;universe&quot;,&quot;standards&quot;,&quot;reports&quot;],&quot;slots&quot;:[{&quot;key&quot;:&quot;disrupt&quot;,&quot;slot&quot;:&quot;risk&quot;,&quot;v&quot;:&quot;$390B&quot;,&quot;k&quot;:&quot;a year at least, in infrastructure disruption costs to households and firms in low- and middle-income countries&quot;,&quot;t&quot;:&quot;At least, by households and firms in low- and middle-income countries to infrastructure disruptions&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},{&quot;key&quot;:&quot;roi4&quot;,&quot;slot&quot;:&quot;ret&quot;,&quot;v&quot;:&quot;4 : 1&quot;,&quot;k&quot;:&quot;benefit to cost&quot;,&quot;t&quot;:&quot;Net benefit of more resilient infrastructure in developing countries, over the life of the assets&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},{&quot;key&quot;:&quot;mangrove&quot;,&quot;slot&quot;:&quot;avoid&quot;,&quot;v&quot;:&quot;$80B&quot;,&quot;k&quot;:&quot;flood losses avoided a year&quot;,&quot;t&quot;:&quot;Coastal flood losses that mangroves already prevent worldwide&quot;,&quot;s&quot;:&quot;Global Commission on Adaptation, Adapt Now, 2019&quot;,&quot;url&quot;:&quot;https:\/\/gca.org\/reports\/adapt-now-a-global-call-for-leadership-on-climate-resilience\/&quot;}],&quot;head&quot;:{&quot;key&quot;:&quot;roi4&quot;,&quot;slot&quot;:&quot;ret&quot;,&quot;v&quot;:&quot;4 : 1&quot;,&quot;k&quot;:&quot;benefit to cost&quot;,&quot;t&quot;:&quot;Net benefit of more resilient infrastructure in developing countries, over the life of the assets&quot;,&quot;s&quot;:&quot;World Bank, Lifelines, 2019&quot;,&quot;url&quot;:&quot;https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805&quot;},&quot;P&quot;:{&quot;labs&quot;:{&quot;how&quot;:&quot;Surge model with mangrove and dune buffers&quot;,&quot;kpi&quot;:&quot;Coast modelled&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;IB&quot;,&quot;bench&quot;:&quot;$80B&quot;},&quot;foundry&quot;:{&quot;how&quot;:&quot;Coastal twin of ports, substations and water intakes&quot;,&quot;kpi&quot;:&quot;Assets in the twin&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;WEI&quot;,&quot;bench&quot;:null},&quot;universe&quot;:{&quot;how&quot;:&quot;Evacuation and port-recovery exercise&quot;,&quot;kpi&quot;:&quot;Days to reopen port&quot;,&quot;dir&quot;:&quot;down&quot;,&quot;sec&quot;:&quot;IH&quot;,&quot;bench&quot;:null},&quot;standards&quot;:{&quot;how&quot;:&quot;Shared records for coastal assets and defences&quot;,&quot;kpi&quot;:&quot;Defences recorded&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;IB&quot;,&quot;bench&quot;:null},&quot;reports&quot;:{&quot;how&quot;:&quot;Coastal risk profile, built and natural defences&quot;,&quot;kpi&quot;:&quot;Coast profiled&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;IB&quot;,&quot;bench&quot;:&quot;$390B&quot;},&quot;academy&quot;:{&quot;how&quot;:&quot;Course for port and coastal managers&quot;,&quot;kpi&quot;:&quot;Managers qualified&quot;,&quot;dir&quot;:&quot;up&quot;,&quot;sec&quot;:&quot;IH&quot;,&quot;bench&quot;:null}},&quot;n&quot;:&quot;Coastal storm surge&quot;}}}\" data-phex-applied=\"urban-flood\" data-nduo-pane=\"phex\"><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span><b class=\"nx-nduo-ab\">B<\/b>Applied response across six pillars<\/span><span class=\"nx-nsig-pairs\">11 \/ 18 handoffs<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"The six pillars of the Consortium's programme: 11 of 18 handoffs in play, 8 feedback loops closed.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-phex-apply\"><p class=\"nx-phex-aphd\"><span>Pillars \u00b7 <b class=\"nx-phex-apn\">Urban flood<\/b><\/span><span>KPI<\/span><\/p><ol class=\"nx-phex-aps\"><li><button type=\"button\" class=\"nx-phex-ap nx-phex-lead\" data-k=\"0\" data-sec=\"WI\" aria-pressed=\"true\"><span class=\"nx-phex-apl\">L<\/span><span class=\"nx-phex-aph\"><b>Labs<\/b> Flood-depth nowcast from rain gauges and terrain<\/span><span class=\"nx-phex-apk\">Warning lead time <span class=\"nx-phex-dir\" role=\"img\" aria-label=\"higher is better\">\u2191<\/span><em class=\"nx-phex-bench\">30%<\/em><\/span><\/button><\/li><li><button type=\"button\" class=\"nx-phex-ap nx-phex-lead\" data-k=\"1\" data-sec=\"WEIH\" aria-pressed=\"true\"><span class=\"nx-phex-apl\">F<\/span><span class=\"nx-phex-aph\"><b>Foundry<\/b> City twin links substations, pumps and clinics to flood depth<\/span><span class=\"nx-phex-apk\">Lifelines modelled <span class=\"nx-phex-dir\" role=\"img\" aria-label=\"higher is better\">\u2191<\/span><\/span><\/button><\/li><li><button type=\"button\" class=\"nx-phex-ap nx-phex-lead\" data-k=\"2\" data-sec=\"WEH\" aria-pressed=\"true\"><span class=\"nx-phex-apl\">U<\/span><span class=\"nx-phex-aph\"><b>Universe<\/b> Exercise: keep water and power running through a 1-in-100 flood<\/span><span class=\"nx-phex-apk\">Hours to restore <span class=\"nx-phex-dir\" role=\"img\" aria-label=\"lower is better\">\u2193<\/span><\/span><\/button><\/li><li><button type=\"button\" class=\"nx-phex-ap nx-phex-lead\" data-k=\"3\" data-sec=\"WEI\" aria-pressed=\"true\"><span class=\"nx-phex-apl\">S<\/span><span class=\"nx-phex-aph\"><b>Standards<\/b> Shared asset records so utilities exchange outage data<\/span><span class=\"nx-phex-apk\">Agencies sharing records <span class=\"nx-phex-dir\" role=\"img\" aria-label=\"higher is better\">\u2191<\/span><\/span><\/button><\/li><li><button type=\"button\" class=\"nx-phex-ap\" data-k=\"4\" data-sec=\"I\" aria-pressed=\"false\"><span class=\"nx-phex-apl\">R<\/span><span class=\"nx-phex-aph\"><b>Reports<\/b> City flood profile of exposed lifelines<\/span><span class=\"nx-phex-apk\">Assets profiled <span class=\"nx-phex-dir\" role=\"img\" aria-label=\"higher is better\">\u2191<\/span><em class=\"nx-phex-bench\">$390B<\/em><\/span><\/button><\/li><li><button type=\"button\" class=\"nx-phex-ap nx-phex-lead\" data-k=\"5\" data-sec=\"WEH\" aria-pressed=\"true\"><span class=\"nx-phex-apl\">A<\/span><span class=\"nx-phex-aph\"><b>Academy<\/b> Course for utility and emergency operators<\/span><span class=\"nx-phex-apk\">Operators qualified <span class=\"nx-phex-dir\" role=\"img\" aria-label=\"higher is better\">\u2191<\/span><\/span><\/button><\/li><\/ol><\/div><figcaption class=\"nx-nsig-note\">Illustrative applications; the values are published benchmarks, cited in the readout.<\/figcaption><\/figure><\/div><p class=\"nx-nduo-legend\"><span><i class=\"nx-nduo-k1\"><\/i>In this context<\/span><span><i class=\"nx-nduo-k2\"><\/i>Dependence or handoff, heavier is stronger<\/span><span><i class=\"nx-nduo-k3\"><\/i>Outside this context<\/span><\/p><div class=\"nx-nduo-tlw\" data-phex-for=\"nx-sec-nexus-phex\"><div class=\"nx-phex-phase nx-nduo-tl\" data-phex-tl=\"true\" hidden><p class=\"nx-phex-phh\"><span class=\"nx-phex-phk\">Programme year<\/span><span class=\"nx-phex-pn\">All phases<\/span><\/p><div class=\"nx-phex-steps\" role=\"group\" aria-label=\"Phases of the programme year\"><\/div><div class=\"nx-nsig-actions\"><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"play\">Play the year<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"allph\">All phases<\/button><\/div><\/div><\/div><div class=\"nx-nduo-read\"><div class=\"nx-nsig-read\" data-for=\"sig\"><div><p class=\"nx-nsig-k\">Context<\/p><p class=\"nx-nsig-name\">Urban flood<\/p><p class=\"nx-nsig-line\">Flooded streets take out substations, pumping stations and clinic access together; drinking water fails when power does.<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>W<\/span> \u00b7 <span>E<\/span> \u00b7 <span>I<\/span> \u00b7 <span class=\"nx-nsig-off\">F<\/span> \u00b7 <span>H<\/span> \u00b7 <span class=\"nx-nsig-off\">B<\/span><\/p><p class=\"nx-nduo-grp\">Risk<\/p><dl class=\"nx-nsig-stats\"><div><dt>Sectors<\/dt><dd><strong>4<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Relations<\/dt><dd><strong>6<\/strong> <small>of 15<\/small><\/dd><\/div><div><dt>Coupling<\/dt><dd><strong>0.46<\/strong> <small>share of total<\/small><\/dd><\/div><\/dl><p class=\"nx-nduo-live\" hidden><\/p><div class=\"nx-nsig-detail\"><p class=\"nx-nsig-hint\">Hover a corner, a line or a row to trace it across both sides.<\/p><\/div><div class=\"nx-nsig-actions\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-sig-act=\"all\">Select all<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-sig-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-sig-act=\"copy\">Copy brief<\/button><\/div><\/div><div class=\"nx-nsig-read\" data-for=\"phex\"><div class=\"nx-phex-rhead\"><p class=\"nx-nsig-k\">Route<\/p><p class=\"nx-nsig-name\">Applied to urban flood<\/p><p class=\"nx-nsig-line\"><\/p><\/div><p class=\"nx-nsig-code nx-phex-rhead\" aria-live=\"polite\"><span>L<\/span> \u00b7 <span>F<\/span> \u00b7 <span>U<\/span> \u00b7 <span>S<\/span> \u00b7 <span class=\"nx-nsig-off\">R<\/span> \u00b7 <span>A<\/span><\/p><p class=\"nx-nduo-grp\">Response<\/p><dl class=\"nx-nsig-stats\"><div><dt>Pillars<\/dt><dd><strong>5<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Handoffs<\/dt><dd><strong>11<\/strong> <small>of 18<\/small><\/dd><\/div><div><dt>Loops<\/dt><dd><strong>8<\/strong> <small>closed<\/small><\/dd><\/div><\/dl><p class=\"nx-nduo-grp\">Expected value<\/p><dl class=\"nx-nduo-vals\"><div><dt>What is at stake<\/dt><dd><strong>$390B<\/strong><span>a year at least, in infrastructure disruption costs to households and firms in low- and middle-income countries<\/span><small><a href=\"https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805\" rel=\"noopener\" target=\"_blank\">World Bank, Lifelines, 2019<\/a><\/small><\/dd><\/div><div><dt>Return on resilience<\/dt><dd><strong>4 : 1<\/strong><span>benefit to cost<\/span><small><a href=\"https:\/\/openknowledge.worldbank.org\/handle\/10986\/31805\" rel=\"noopener\" target=\"_blank\">World Bank, Lifelines, 2019<\/a><\/small><\/dd><\/div><div><dt>Avoided loss<\/dt><dd><strong>30%<\/strong><span>less damage with 24 hours&#8217; warning of a storm or <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h5\" data-tc=\"NHS-1 atmo.thermal.heatwave\" data-tk=\"Atmosphere and weather \u00b7 Thermal extremes\" data-td=\"A spell of abnormally high temperature, often with warm nights, that overloads bodies, power grids and crops.\" data-ts=\"NRS-H5\" data-tr=\"draft\">heatwave<\/a><\/span><small><a href=\"https:\/\/gca.org\/reports\/adapt-now-a-global-call-for-leadership-on-climate-resilience\/\" rel=\"noopener\" target=\"_blank\">Global Commission on Adaptation, Adapt Now, 2019<\/a><\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><p class=\"nx-nsig-hint\">Hover a pillar, a line or a row to read how it is applied.<\/p><\/div><div class=\"nx-nsig-actions\" data-phex-acts=\"true\" data-phex-acts-off=\"true\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"all\">Whole ring<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-phex-act=\"copy\">Copy route<\/button><\/div><\/div><\/div><\/div><\/div><p class=\"nx-nsig-note\">A: a teaching cascade (shock 0.6, gain 0.35, four rounds) over teaching values for a typical city-region, not measurements. B: illustrative applications and the KPI each pillar answers for; values are published benchmarks, cited, not forecasts. Open events: NASA EONET, live.<\/p><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-hue=\"finance\" aria-label=\"The problem, Exposure, loss and capital, What the platform does\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"The problem, Exposure, loss and capital, What the platform does\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-the-problem\" aria-selected=\"true\" data-key=\"p1\">The problem<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p2\">Exposure, loss and capital<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-what-the-platform-does\" aria-selected=\"false\" data-key=\"p3\">What the platform does<\/button><\/div><section id=\"nx-sec-the-problem\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The problem<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Finance runs on technology that many firms share.<\/h2><p class=\"nx-lede\">Payments, trading, lending, insurance and custody are now digital services. They depend on data centres, networks, cloud platforms, software suppliers and market infrastructures, many of which are shared across the industry. A failure in one of these can stop services at many firms at once.<\/p><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Financial firms are attractive targets for cyber attack because they hold money and data, and because disruption creates leverage for extortion. Ransomware, fraud enabled by intrusion, attacks on payment <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> and denial-of-service campaigns are persistent threats. Attackers increasingly target suppliers and software components to reach many firms through a single breach.<\/p><p class=\"nx-p\">Not every disruption is an attack. Faulty software updates, configuration errors, data centre failures and outages at cloud providers have halted financial services without any malicious intent. <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 operational-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk of loss from inadequate or failed processes, people and systems, or from external events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Operational risk<\/a> in finance has therefore shifted from a focus on preventing individual failures towards ensuring that important services continue, within tolerances, whatever the cause.<\/p><p class=\"nx-p\">These disruptions can become systemic. A <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h54\" data-tc=\"NHS-1 cyber.platform.payment-outage\" data-tk=\"Information and cyber-physical systems \u00b7 Signal and platform disruption\" data-td=\"Failure of payment, banking or settlement systems that stops transactions and access to cash.\" data-ts=\"NRS-H54\" data-tr=\"draft\">payment system outage<\/a> stops salaries and supplier payments across an economy. A corrupted dataset at a widely used provider can spread errors to every firm that relies on it. Loss of confidence in a firm&#8217;s ability to operate can trigger withdrawals or market stress. Supervisors in several jurisdictions now treat operational resilience as a core prudential concern alongside capital and liquidity.<\/p><\/div><\/div><\/section><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">What Financial Cyber and Operational Resilience means for exposure, loss and capital.<\/h2><p class=\"nx-lede\">The exposure, loss, scenario and capital views a risk officer, supervisor or ministry of finance would ask for, with the frameworks they report against. Structures follow supervisory and actuarial practice. Values are illustrative: never prices, ratings or advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"finance\" data-au-n=\"2\"><figure class=\"nx-au-c\" data-au-fig=\"transmission\"><h3 class=\"nx-h4\">Transmission channels<\/h3><p class=\"nx-p nx-au-what\">How a shock in Financial Cyber and Operational Resilience reaches credit, market, underwriting, liquidity and operational risk, and feeds back.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 268\" role=\"img\" aria-label=\"Transmission channels from shocks through micro and macro channels to financial risks\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><figcaption class=\"nx-caption\"><span>Channel structure after the Basel Committee&#8217;s work on climate-related risk drivers and transmission channels; links shown are typical paths, not estimated exposures.<\/span><\/figcaption><\/figure><figure class=\"nx-au-c\" data-au-fig=\"scenario-pathways\"><h3 class=\"nx-h4\">Scenario pathways<\/h3><p class=\"nx-p nx-au-what\">How Financial Cyber and Operational Resilience could be stressed under the scenario families central banks and supervisors use.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Combined transition and physical pressure under three scenario families\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"46\" y1=\"190\" x2=\"450\" y2=\"190\"\/><line class=\"nx-au-ax\" x1=\"46\" y1=\"16\" x2=\"46\" y2=\"190\"\/><path class=\"nx-au-ln\" d=\"M46 155.2l80.8-38.3 80.8-13.9 80.8 7 80.8 10.4 80.8 8.7\"\/><text class=\"nx-au-t\" x=\"458\" y=\"133.1\" text-anchor=\"start\">Orderly<\/text><path class=\"nx-au-ac\" d=\"M46 155.2l80.8-3.5 80.8-13.9 80.8-73.1 80.8 10.5 80.8 19.1\"\/><text class=\"nx-au-t\" x=\"458\" y=\"98.3\" text-anchor=\"start\">Disorderly<\/text><path class=\"nx-au-ln nx-au-dash\" d=\"M46 155.2l80.8-7 80.8-10.4 80.8-13.9 80.8-20.9 80.8-27.8\"\/><text class=\"nx-au-t\" x=\"458\" y=\"79.16\" text-anchor=\"start\">Hot house world<\/text><text class=\"nx-au-t\" x=\"46\" y=\"206\" text-anchor=\"middle\">2025<\/text><text class=\"nx-au-t\" x=\"126.8\" y=\"206\" text-anchor=\"middle\">2030<\/text><text class=\"nx-au-t\" x=\"207.6\" y=\"206\" text-anchor=\"middle\">2035<\/text><text class=\"nx-au-t\" x=\"288.4\" y=\"206\" text-anchor=\"middle\">2040<\/text><text class=\"nx-au-t\" x=\"369.2\" y=\"206\" text-anchor=\"middle\">2045<\/text><text class=\"nx-au-t\" x=\"450\" y=\"206\" text-anchor=\"middle\">2050<\/text><text class=\"nx-au-t\" x=\"40\" y=\"33.4\" text-anchor=\"end\">high<\/text><text class=\"nx-au-t\" x=\"40\" y=\"172.6\" text-anchor=\"end\">low<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Scenario family<\/th><th scope=\"col\">Transition risk<\/th><th scope=\"col\">Physical risk<\/th><th scope=\"col\">What a stress test asks<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Scenario family\">Orderly<\/td><td data-label=\"Transition risk\">Early, gradual policy<\/td><td data-label=\"Physical risk\">Lower<\/td><td data-label=\"What a stress test asks\">Can the book absorb a steady repricing?<\/td><\/tr><tr><td data-label=\"Scenario family\">Disorderly<\/td><td data-label=\"Transition risk\">Late, abrupt policy<\/td><td data-label=\"Physical risk\">Lower to medium<\/td><td data-label=\"What a stress test asks\">What breaks under a sudden repricing and credit migration?<\/td><\/tr><tr><td data-label=\"Scenario family\">Hot house world<\/td><td data-label=\"Transition risk\">Limited policy<\/td><td data-label=\"Physical risk\">High and rising<\/td><td data-label=\"What a stress test asks\">Where do physical losses concentrate in collateral and insurance?<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Scenario families as defined by the NGFS; the curves are an illustrative combined pressure index, not NGFS variables or forecasts.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><section id=\"nx-sec-what-the-platform-does\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">What the platform does<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">A shared picture of operational and cyber resilience.<\/h2><p class=\"nx-lede\">The platform works through financial operational resilience analysis, third-party dependency mapping and incident evidence. Its outputs are designed for the industry as a whole, not for any one firm. GRA does not lend, underwrite, rate, invest, advise on or arrange transactions, introduce counterparties or take transaction-based pay, and readiness work is not approval.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M8 3H2v15h7c1.7 0 3 1.3 3 3V7c0-2.2-1.8-4-4-4Z\"\/><path d=\"m16 12 2 2 4-4\"\/><path d=\"M22 6V3h-6c-2.2 0-4 1.8-4 4v14c0-1.7 1.3-3 3-3h7v-2.3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Playbooks<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Resilience playbooks<\/h3><p class=\"nx-p nx-mt-1\">Sector-level accounts of how firms identify important services, set tolerances, map dependencies and prepare to respond.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M19.07 4.93A10 10 0 0 0 6.99 3.34\"\/><path d=\"M4 6h.01\"\/><path d=\"M2.29 9.62A10 10 0 1 0 21.31 8.35\"\/><path d=\"M16.24 7.76A6 6 0 1 0 8.23 16.67\"\/><path d=\"M12 18h.01\"\/><path d=\"M17.99 11.66A6 6 0 0 1 15.77 16.67\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><path d=\"m13.41 10.59 5.66-5.66\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Scenarios<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Finance cyber scenario summaries<\/h3><p class=\"nx-p nx-mt-1\">Severe but plausible scenarios for the sector, published at a level that informs without aiding attackers; see <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/tools\/scenarios\/\">scenario tools<\/a>.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"16\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"2\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"9\" y=\"2\" width=\"6\" height=\"6\" rx=\"1\"\/><path d=\"M5 16v-3a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1v3\"\/><path d=\"M12 12V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Dependencies<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Third-party mapping methods<\/h3><p class=\"nx-p nx-mt-1\">Approaches to understanding concentration on shared technology providers across the industry.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">Operational resilience in financial services is a distinct professional practice, which is why it has its own platform.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-spatial\" class=\"nx-section\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Settlement dependencies, and what fails with a node.<\/h2><p class=\"nx-lede\">How a failure at one financial centre can spread through settlement links. Design links, not real dependencies.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"payments-network\" data-gl=\"sf:payments-network\" data-sf=\"payments-network\" data-sx-credit=\"Natural Earth (public domain) | design links, not real dependencies\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"timeline\" aria-label=\"Interactive map: sixteen financial centres joined by design dependency links. The panel chooses a centre to fail and steps the cascade.\" data-nx-zf=\"figure.9b8d82545957.txt\" data-nx-zs=\"sha256-m42CVFlXyfawOFLPbpWyUCYHDzgHDRS58Txi3FDn8nk=\"><figcaption class=\"nx-fk-cap\"><span>Sixteen financial centres, and how a failure at one spreads through settlement links.<\/span><span data-honesty=\"true\">Design links, not the real dependencies of any infrastructure.<\/span><\/figcaption><\/figure><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"finance\" aria-label=\"Foundation and counterparts, Coverage, Grounding, Cycle\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Foundation and counterparts, Coverage, Grounding, Cycle\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-foundation-and-counterparts\" aria-selected=\"true\" data-key=\"p1\">Foundation and counterparts<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-sec-areas\" aria-selected=\"false\" data-key=\"p2\">Coverage<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-3\" aria-controls=\"nx-sec-grounding\" aria-selected=\"false\" data-key=\"p3\">Grounding<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-4\" aria-controls=\"nx-sec-cycle\" aria-selected=\"false\" data-key=\"p4\">Cycle<\/button><\/div><section id=\"nx-sec-foundation-and-counterparts\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-11\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Foundation and counterparts<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Grounded in named methods and linked across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">The platform draws on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/stem\/cybersecurity\/\">cybersecurity and cryptography<\/a>, reliability and resilience engineering, network science and contagion and software and safety-critical <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> engineering, each with a canonical page in the STEM Commons maintained by The Global Centre for Risk and Innovation (GCRI). Foundry systems serving the field include <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s10\" data-tc=\"NXS-NET\" data-tk=\"Nexus system\" data-td=\"Network topology and continuity\" data-ts=\"NRS-S10\">NXS-NET<\/a> for connectivity and continuity and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s2\" data-tc=\"NXS-NST\" data-tk=\"Nexus system\" data-td=\"Civilian common operating picture\" data-ts=\"NRS-S2\">NXS-NST<\/a>, the common operating picture.<\/p><p class=\"nx-p\">At GCRI, <a class=\"nx-link\" href=\"https:\/\/therisk.global\/cyber-digital-resilience\/\">Cybersecurity and Digital Resilience<\/a> and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 critical-infrastructure\" data-tk=\"Nexus risk vocabulary\" data-td=\"Physical and digital assets, systems and networks whose disruption would seriously affect health, safety, security, economic welfare or the functioning of government. Criticality depends on what relies on them.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Critical Infrastructure<\/a> do the science, and Energy Nexus studies the power systems finance depends on. At the Global Risks Forum (GRF), <a class=\"nx-link\" href=\"https:\/\/globalriskforum.com\/ai-digital-governance\/\">AI and Digital Governance<\/a> and Disaster and Crisis Governance convene on governance. See <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/counterparts\/\">all counterparts<\/a>.<\/p><\/div><\/div><\/section><section id=\"nx-sec-areas\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"band\" aria-labelledby=\"nx-s-12\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Coverage<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">The areas of cyber and digital resilience this platform takes on.<\/h2><p class=\"nx-lede\">Financial Cyber and Operational Resilience studies how banks, insurers, asset managers and market firms keep critical services running through cyber attacks, technology failures, supplier outages and data corruption. Its pages set out how disruption starts and spreads, how firms map important services and set impact tolerances, how incidents are reported and handled, how resilience is tested and measured, and who decides, with every source labelled. Global Risks Alliance shares industry understanding and does not publish threat intelligence, test <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> or give security advice.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><div class=\"nx-cells\" data-cols=\"4\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><circle cx=\"12\" cy=\"12\" r=\"6\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Critical business services<\/h3><p class=\"nx-p nx-mt-1\">Identifying the services whose disruption would harm customers or markets, mapping their dependencies and setting impact tolerances.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"18\" height=\"11\" x=\"3\" y=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0 1 10 0v4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Cyber threats to finance<\/h3><p class=\"nx-p nx-mt-1\">Ransomware, intrusion, fraud-enabling attacks, insider threats and state-linked activity against financial firms.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"16\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"2\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"9\" y=\"2\" width=\"6\" height=\"6\" rx=\"1\"\/><path d=\"M5 16v-3a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1v3\"\/><path d=\"M12 12V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Cloud and outsourcing<\/h3><p class=\"nx-p nx-mt-1\">Dependence on cloud platforms and outsourced services, and the governance of material arrangements.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M19.07 4.93A10 10 0 0 0 6.99 3.34\"\/><path d=\"M4 6h.01\"\/><path d=\"M2.29 9.62A10 10 0 1 0 21.31 8.35\"\/><path d=\"M16.24 7.76A6 6 0 1 0 8.23 16.67\"\/><path d=\"M12 18h.01\"\/><path d=\"M17.99 11.66A6 6 0 0 1 15.77 16.67\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><path d=\"m13.41 10.59 5.66-5.66\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Incident and crisis response<\/h3><p class=\"nx-p nx-mt-1\">Detection, escalation, reporting to authorities, communication and coordinated sector response.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M2.97 12.92A2 2 0 0 0 2 14.63v3.24a2 2 0 0 0 .97 1.71l3 1.8a2 2 0 0 0 2.06 0L12 19v-5.5l-5-3-4.03 2.42Z\"\/><path d=\"m7 16.5-4.74-2.85\"\/><path d=\"m7 16.5 5-3\"\/><path d=\"M7 16.5v5.17\"\/><path d=\"M12 13.5V19l3.97 2.38a2 2 0 0 0 2.06 0l3-1.8a2 2 0 0 0 .97-1.71v-3.24a2 2 0 0 0-.97-1.71L17 10.5l-5 3Z\"\/><path d=\"m17 16.5-5-3\"\/><path d=\"m17 16.5 4.74-2.85\"\/><path d=\"M17 16.5v5.17\"\/><path d=\"M7.97 4.42A2 2 0 0 0 7 6.13v4.37l5 3 5-3V6.13a2 2 0 0 0-.97-1.71l-3-1.8a2 2 0 0 0-2.06 0l-3 1.8Z\"\/><path d=\"M12 8 7.26 5.15\"\/><path d=\"m12 8 4.74-2.85\"\/><path d=\"M12 13.5V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Digital supply chains<\/h3><p class=\"nx-p nx-mt-1\">Software, hardware and service supply chains, and the vulnerabilities they import into firms.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Data integrity and availability<\/h3><p class=\"nx-p nx-mt-1\">Protecting records of balances, positions and transactions, and recovering correct data after corruption.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3.85 8.62a4 4 0 0 1 4.78-4.77 4 4 0 0 1 6.74 0 4 4 0 0 1 4.78 4.78 4 4 0 0 1 0 6.74 4 4 0 0 1-4.77 4.78 4 4 0 0 1-6.75 0 4 4 0 0 1-4.78-4.77 4 4 0 0 1 0-6.76Z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Resilience testing<\/h3><p class=\"nx-p nx-mt-1\">Scenario testing, red-teaming, recovery testing and sector exercises that show whether plans work.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 3v18h18\"\/><path d=\"m19 9-5 5-4-4-3 3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Resilience metrics<\/h3><p class=\"nx-p nx-mt-1\">Measures of disruption, recovery and control effectiveness, and their limits as evidence.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-grounding\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-13\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Grounding<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">Built on named science, technology, engineering and mathematics.<\/h2><p class=\"nx-lede\">Every claim on Financial Cyber and Operational Resilience rests on methods with a canonical page in the STEM Commons, so readers can see what a finding depends on and where its limits lie.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-chips\"><span class=\"nx-chip\">Cybersecurity and cryptography<\/span><span class=\"nx-chip\">Reliability and resilience engineering<\/span><span class=\"nx-chip\">Network science and contagion<\/span><span class=\"nx-chip\">Software and safety-critical systems engineering<\/span><\/div><p class=\"nx-p nx-mt-3\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/stem\/\">See the STEM foundation of Financial Cyber and Operational Resilience<\/a><\/p><\/div><\/div><\/section><section id=\"nx-sec-cycle\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"split\" aria-labelledby=\"nx-s-14\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">15<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Cycle<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How work moves in this field.<\/h2><p class=\"nx-lede\">A question becomes evidence, a governed build, an organised community, a controlled test, a reviewed publication and, finally, a decision taken by the competent authority under its own rules.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cycle-lanes\"><ol class=\"nx-pl-list\"><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Question<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a><\/span> National, regional or institutional priority. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/programmes\/\">Question in Financial Cyber and Operational Resilience<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Evidence<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> STEM foundation of the platform. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/stem\/\">Evidence in Financial Cyber and Operational Resilience<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Build<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> Foundry. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/foundry\/\">Build in Financial Cyber and Operational Resilience<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Organise<\/strong> <span class=\"nx-pl-in\">Universe<\/span> <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/organization\/architecture\/ii.-definitions\/i.-nexus-ecosystem\" data-tc=\"Nexus Ecosystem\" data-tk=\"Nexus Standards\" data-td=\"The whole of the institutions, pillars, systems and communities\">Nexus ecosystem<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/community\/\">Organise in Financial Cyber and Operational Resilience<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Test<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Universe (independent site). <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/universe\/\">Test in Financial Cyber and Operational Resilience<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Publish<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a><\/span> Reports. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/reports\/\">Publish in Financial Cyber and Operational Resilience<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Decide<\/strong> <span class=\"nx-pl-in\">Competent authority<\/span> Competent authorities and institutions, through <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s18\" data-tc=\"NXS-RLS\" data-tk=\"Nexus system\" data-td=\"Participants, agreements and handoffs\" data-ts=\"NRS-S18\">NXS-RLS (participants, agreements and handoffs)<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/trust\/\">Decide in Financial Cyber and Operational Resilience<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Renew<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Corrections and the next annual agenda. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/programmes\/\">Renew in Financial Cyber and Operational Resilience<\/a><\/li><\/ol><p class=\"nx-caption\"><span>Each step of the cycle in the pillar it runs in; the decision stays with the competent authority, outside the programme.<\/span><\/p><ul class=\"nx-pl-legend\" aria-label=\"Pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/universe.nexus\/\">Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/\">Risk Academy<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span>Competent authority (outside the programme)<\/li><\/ul><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-pillars\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">16<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Six pillars<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">How this works across the six pillars.<\/h2><p class=\"nx-lede\">Financial Cyber and Operational Resilience works through six pillars of one annual programme, led by the Nexus Consortium, with GCRI, GRF and GRA each contributing in its role: explore, experiment and prototype in <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/labs\" data-tc=\"Labs\" data-tk=\"Nexus Standards\" data-td=\"The research pillar of the programme, one of six (OR-11, OR-12)\">Labs<\/a>, build, simulate and prepare in Foundry, convene and test in Universe, codify, correct and apply in <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a>, publish in every format in Reports, teach in the open in Risk Academy.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-pl-ring nx-canvas-wrap\" data-pl-hex=\"true\"><figure class=\"nx-nsig nx-phex\" data-nx-phex=\"012345\" data-phex-ctx=\"whole\" data-phex=\"{&quot;S&quot;:[{&quot;id&quot;:&quot;labs&quot;,&quot;c&quot;:&quot;L&quot;,&quot;name&quot;:&quot;Labs&quot;,&quot;full&quot;:&quot;Labs&quot;,&quot;verb&quot;:&quot;Experiments&quot;,&quot;url&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;does&quot;:[&quot;Turns open questions into designed experiments&quot;,&quot;Prototypes new methods, data pipelines and tools&quot;,&quot;Records failures and limits alongside results&quot;,&quot;Hands reproducible prototypes to the Foundry&quot;]},{&quot;id&quot;:&quot;foundry&quot;,&quot;c&quot;:&quot;F&quot;,&quot;name&quot;:&quot;Foundry&quot;,&quot;full&quot;:&quot;Foundry&quot;,&quot;verb&quot;:&quot;Builds&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/financial-cyber-resilience\/foundry\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-foundry\/&quot;,&quot;does&quot;:[&quot;Builds the cycle's software, data and environments&quot;,&quot;Simulates scenarios and runs benchmarks&quot;,&quot;Monitors hazards, systems and evidence&quot;,&quot;Develops and tracks the National Portfolio&quot;]},{&quot;id&quot;:&quot;universe&quot;,&quot;c&quot;:&quot;U&quot;,&quot;name&quot;:&quot;Universe&quot;,&quot;full&quot;:&quot;Universe&quot;,&quot;verb&quot;:&quot;Convenes and tests&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/financial-cyber-resilience\/universe\/&quot;,&quot;home&quot;:&quot;https:\/\/universe.nexus\/&quot;,&quot;does&quot;:[&quot;Sets the annual mandate and admits missions&quot;,&quot;Runs readiness, the controlled build and Action Week&quot;,&quot;Stands down temporary capacity and seals evidence&quot;,&quot;Reviews the year and renews the mandate&quot;]},{&quot;id&quot;:&quot;standards&quot;,&quot;c&quot;:&quot;S&quot;,&quot;name&quot;:&quot;Standards&quot;,&quot;full&quot;:&quot;Nexus Standards&quot;,&quot;verb&quot;:&quot;Codify and correct&quot;,&quot;url&quot;:&quot;https:\/\/nexustandards.com\/digital-ai\/&quot;,&quot;home&quot;:&quot;https:\/\/nexustandards.com\/&quot;,&quot;does&quot;:[&quot;Identifies every artefact with a UNI&quot;,&quot;Routes work to the standards that apply&quot;,&quot;Validates and monitors conformance evidence&quot;,&quot;Takes cycle findings as change proposals&quot;,&quot;Records national adoption&quot;]},{&quot;id&quot;:&quot;reports&quot;,&quot;c&quot;:&quot;R&quot;,&quot;name&quot;:&quot;Reports&quot;,&quot;full&quot;:&quot;Reports&quot;,&quot;verb&quot;:&quot;Publishes&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/financial-cyber-resilience\/reports\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-reports\/&quot;,&quot;does&quot;:[&quot;Publishes four editions a year, with Q4 as the annual flagship&quot;,&quot;Maintains country and regional profiles&quot;,&quot;Publishes exponential technology streams&quot;,&quot;Records corrections and method changes&quot;]},{&quot;id&quot;:&quot;academy&quot;,&quot;c&quot;:&quot;A&quot;,&quot;name&quot;:&quot;Academy&quot;,&quot;full&quot;:&quot;Risk Academy&quot;,&quot;verb&quot;:&quot;Teaches&quot;,&quot;url&quot;:&quot;https:\/\/risksacademy.com\/technology-digital\/&quot;,&quot;home&quot;:&quot;https:\/\/risksacademy.com\/&quot;,&quot;does&quot;:[&quot;Publishes a course for every system, standard and programme role&quot;,&quot;Assesses learning on real cycle tasks&quot;,&quot;Issues microcredentials and achievements through accountable issuers&quot;,&quot;Feeds qualified people into the next cycle&quot;]}],&quot;H&quot;:[{&quot;id&quot;:&quot;F01&quot;,&quot;f&quot;:2,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Admitted mission becomes a cycle project with a decision case&quot;},{&quot;id&quot;:&quot;F02&quot;,&quot;f&quot;:1,&quot;t&quot;:2,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Core Build Report and go or no-go evidence&quot;},{&quot;id&quot;:&quot;F03&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Sealed observations and indicator series behind a profile&quot;},{&quot;id&quot;:&quot;F04&quot;,&quot;f&quot;:2,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;After-action and scenario findings for chapters 10 and 13&quot;},{&quot;id&quot;:&quot;F05&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;National Portfolio movement for chapter 11&quot;},{&quot;id&quot;:&quot;F06&quot;,&quot;f&quot;:4,&quot;t&quot;:3,&quot;ph&quot;:&quot;CORRECTION&quot;,&quot;art&quot;:&quot;Method and correction findings as change proposals&quot;},{&quot;id&quot;:&quot;F07&quot;,&quot;f&quot;:2,&quot;t&quot;:3,&quot;ph&quot;:&quot;DOCKET_REVIEW&quot;,&quot;art&quot;:&quot;Docket items that need a standard or a profile&quot;},{&quot;id&quot;:&quot;F08&quot;,&quot;f&quot;:3,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Composed mission profiles and national adoption records&quot;},{&quot;id&quot;:&quot;F09&quot;,&quot;f&quot;:3,&quot;t&quot;:5,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Each adopted standard or profile becomes a course module&quot;},{&quot;id&quot;:&quot;F10&quot;,&quot;f&quot;:2,&quot;t&quot;:5,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Assessed cycle tasks become completion evidence&quot;},{&quot;id&quot;:&quot;F11&quot;,&quot;f&quot;:5,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Qualified participants for the next cycle's roles&quot;},{&quot;id&quot;:&quot;F12&quot;,&quot;f&quot;:4,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Q4 synthesis informs the next-year mandate&quot;},{&quot;id&quot;:&quot;F13&quot;,&quot;f&quot;:1,&quot;t&quot;:3,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Validation and monitoring evidence for conformance review&quot;},{&quot;id&quot;:&quot;F14&quot;,&quot;f&quot;:1,&quot;t&quot;:5,&quot;ph&quot;:&quot;PLANNING&quot;,&quot;art&quot;:&quot;Each system's rooms become a learning-by-doing course&quot;},{&quot;id&quot;:&quot;R1&quot;,&quot;f&quot;:3,&quot;t&quot;:4,&quot;ph&quot;:null,&quot;art&quot;:&quot;Applied in editions&quot;},{&quot;id&quot;:&quot;R2&quot;,&quot;f&quot;:4,&quot;t&quot;:5,&quot;ph&quot;:null,&quot;art&quot;:&quot;Taught in the open&quot;},{&quot;id&quot;:&quot;R3&quot;,&quot;f&quot;:5,&quot;t&quot;:0,&quot;ph&quot;:null,&quot;art&quot;:&quot;Questions become experiments&quot;},{&quot;id&quot;:&quot;R4&quot;,&quot;f&quot;:0,&quot;t&quot;:1,&quot;ph&quot;:null,&quot;art&quot;:&quot;Tested prototypes are built&quot;}],&quot;PH&quot;:[[&quot;PLANNING&quot;,&quot;Planning&quot;],[&quot;READINESS_PREPARATION&quot;,&quot;Readiness preparation&quot;],[&quot;CONTROLLED_BUILD&quot;,&quot;Controlled build&quot;],[&quot;CLOSEOUT&quot;,&quot;Closeout&quot;],[&quot;AFTER_ACTION_REVIEW&quot;,&quot;After-action review&quot;],[&quot;CORRECTION&quot;,&quot;Correction&quot;],[&quot;DOCKET_REVIEW&quot;,&quot;Docket review&quot;],[&quot;RENEWAL&quot;,&quot;Renewal&quot;]],&quot;L&quot;:[[1,3],[1,2],[2,5],[2,4],[1,5,2],[1,4,3],[1,4,2],[1,2,3],[2,3,5],[1,5,2,3],[1,4,2,3],[1,3,5,2],[1,2,4,3],[2,4,3,5],[1,5,2,4,3],[1,4,3,5,2],[0,1,2,3,4,5]],&quot;CTX&quot;:[{&quot;id&quot;:&quot;whole&quot;,&quot;n&quot;:&quot;The whole programme&quot;,&quot;s&quot;:[0,1,2,3,4,5],&quot;t&quot;:&quot;Every pillar hands its work to another; together they close the year's feedback loops.&quot;},{&quot;id&quot;:&quot;practice&quot;,&quot;n&quot;:&quot;From prototype to practice&quot;,&quot;s&quot;:[0,1,2,3],&quot;t&quot;:&quot;A Labs prototype is built in the Foundry, tested in a Universe mission and codified as a standard.&quot;},{&quot;id&quot;:&quot;build-test&quot;,&quot;n&quot;:&quot;Build and test&quot;,&quot;s&quot;:[1,2],&quot;t&quot;:&quot;The Foundry builds what a mission needs; Universe returns the go or no-go evidence.&quot;},{&quot;id&quot;:&quot;conformance&quot;,&quot;n&quot;:&quot;Conformance&quot;,&quot;s&quot;:[1,3],&quot;t&quot;:&quot;Validation evidence goes to Standards for review; composed profiles come back for the next build.&quot;},{&quot;id&quot;:&quot;correction&quot;,&quot;n&quot;:&quot;A finding becomes a correction&quot;,&quot;s&quot;:[1,4,3],&quot;t&quot;:&quot;Observations are published, a method finding becomes a change proposal, the corrected profile returns to the build.&quot;},{&quot;id&quot;:&quot;mandate&quot;,&quot;n&quot;:&quot;Setting the next mandate&quot;,&quot;s&quot;:[2,4],&quot;t&quot;:&quot;After-action findings go into the editions; the Q4 synthesis informs next year's mandate.&quot;},{&quot;id&quot;:&quot;people&quot;,&quot;n&quot;:&quot;People for the next cycle&quot;,&quot;s&quot;:[2,5],&quot;t&quot;:&quot;Assessed cycle tasks become completion evidence; qualified participants take roles in the next cycle.&quot;},{&quot;id&quot;:&quot;learning&quot;,&quot;n&quot;:&quot;Learning by doing&quot;,&quot;s&quot;:[1,2,5],&quot;t&quot;:&quot;Each system's rooms become a course; learners join missions, and missions return to the Foundry.&quot;}]}\"><div class=\"nx-nsig-plate\"><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Routes through the programme\" hidden><\/div><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span>Select pillars \u00b7 hover lines<\/span><span class=\"nx-nsig-pairs\">18 \/ 18 handoffs<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"The six pillars of the Consortium's programme: 18 of 18 handoffs in play, 17 feedback loops closed.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-phex-legend\" aria-hidden=\"true\"><span><i class=\"nx-phex-k1\"><\/i>handoff in play<\/span><span><i class=\"nx-phex-k2\"><\/i>recorded handoff<\/span><span><i class=\"nx-phex-k3\"><\/i>no direct handoff<\/span><\/p><div class=\"nx-phex-phase\" hidden><p class=\"nx-phex-phh\"><span class=\"nx-phex-phk\">Programme year<\/span><span class=\"nx-phex-pn\">All phases<\/span><\/p><div class=\"nx-phex-steps\" role=\"group\" aria-label=\"Phases of the programme year\"><\/div><div class=\"nx-nsig-actions\"><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"play\">Play the year<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"allph\">All phases<\/button><\/div><\/div><\/div><div class=\"nx-nsig-read\"><div><p class=\"nx-nsig-k\">Route<\/p><p class=\"nx-nsig-name\">The whole programme<\/p><p class=\"nx-nsig-line\">Every pillar hands its work to another; together they close the year&#8217;s feedback loops.<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>L<\/span> \u00b7 <span>F<\/span> \u00b7 <span>U<\/span> \u00b7 <span>S<\/span> \u00b7 <span>R<\/span> \u00b7 <span>A<\/span><\/p><dl class=\"nx-nsig-stats\"><div><dt>Pillars<\/dt><dd><strong>6<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Handoffs<\/dt><dd><strong>18<\/strong> <small>of 18<\/small><\/dd><\/div><div><dt>Loops<\/dt><dd><strong>17<\/strong> <small>closed<\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><h3 class=\"nx-nsig-dh\">Handoffs in play<\/h3><ul class=\"nx-nsig-rel nx-phex-rel\"><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F01<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Foundry<\/b> \u00b7 Admitted mission becomes a cycle project with a decision case<\/span><span class=\"nx-phex-ph\">Readiness preparation<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F02<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Universe<\/b> \u00b7 Core Build Report and go or no-go evidence<\/span><span class=\"nx-phex-ph\">Controlled build<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F03<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Reports<\/b> \u00b7 Sealed observations and indicator series behind a profile<\/span><span class=\"nx-phex-ph\">Closeout<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F04<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Reports<\/b> \u00b7 After-action and scenario findings for chapters 10 and 13<\/span><span class=\"nx-phex-ph\">After-action review<\/span><\/li><\/ul><p class=\"nx-nsig-hint\">and 14 more<\/p><\/div><div class=\"nx-nsig-actions\" data-phex-acts=\"true\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"all\">Whole ring<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-phex-act=\"copy\">Copy route<\/button><\/div><\/div><\/div><figcaption class=\"nx-nsig-note\">F01 to F14 are the recorded handoffs of the programme year, each with the artefact that moves and its phase; R1, R2, R3 and R4 carry work around the ring. A loop counts when every pillar on it is selected. Every pillar is led by the Nexus Consortium.<\/figcaption><\/figure><ol class=\"nx-pl-list\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Labs<\/span><span class=\"nx-pl-role\">Where questions become experiments and prototypes: new methods, data and tools are tried in the open, with their limits on record, before the Foundry builds them, under the Nexus Consortium.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Foundry<\/span><span class=\"nx-pl-role\">Where exposure and scenario evidence is built so supervisors, insurers and investors can read it.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/foundry\/\">Financial Cyber and Operational Resilience in Foundry<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Universe<\/span><span class=\"nx-pl-role\">Where scenarios are tested in controlled exercises, and finance-readiness dialogues read what they mean for capital and cover.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/universe\/\">Financial Cyber and Operational Resilience in Universe<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/universe.nexus\/\">universe.nexus<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Nexus Standards<\/span><span class=\"nx-pl-role\">Where disclosure and data rules are codified so risk evidence is comparable for finance and insurance.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/nexustandards.com\/digital-ai\/\">Digital, Cyber and AI in Standards<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/nexustandards.com\/\">nexustandards.com<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Reports<\/span><span class=\"nx-pl-role\">Where sector analysis and the finance and insurance readiness series are published, with exposure and limits stated.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/reports\/\">Financial Cyber and Operational Resilience in Reports<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Risk Academy<\/span><span class=\"nx-pl-role\">Where finance, insurance and public-finance professionals learn to read risk evidence, on Risk Academy.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/risksacademy.com\/technology-digital\/\">Faculty of Technology and Digital Systems in Academy<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/risksacademy.com\/\">risksacademy.com<\/a><\/li><\/ol><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-4\" data-hue=\"infrastructure\" aria-label=\"Consortium, Pages, Connected, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Consortium, Pages, Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-1\" aria-controls=\"nx-sec-consortium\" aria-selected=\"true\" data-key=\"p1\">Consortium<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-2\" aria-controls=\"nx-s-17-sec\" aria-selected=\"false\" data-key=\"p2\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-3\" aria-controls=\"nx-s-18-sec\" aria-selected=\"false\" data-key=\"p3\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-4\" aria-controls=\"nx-s-19-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-consortium\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-16\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">17<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Consortium<\/span><\/div><h2 id=\"nx-s-16\" class=\"nx-section-title\">The same field, seen three ways.<\/h2><p class=\"nx-lede\">GCRI studies a field as science, GRF governs it and GRA builds shared financial understanding of it. Financial Cyber and Operational Resilience links to its counterparts so that work on one side is visible on the others.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"3\" aria-label=\"Platform\"><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/water-nexus\/\"><span class=\"nx-dir-name\">Water Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Critical infrastructure<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/energy-nexus\/\"><span class=\"nx-dir-name\">Energy Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Critical infrastructure<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/critical-infrastructure\/\"><span class=\"nx-dir-name\">Critical Infrastructure<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Critical infrastructure<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/cities-built-environment\/\"><span class=\"nx-dir-name\">Cities and Built Environment<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Critical infrastructure<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/cyber-digital-resilience\/\"><span class=\"nx-dir-name\">Cybersecurity and Digital Resilience<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Cyber and digital resilience, Critical infrastructure<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/quantum\/\"><span class=\"nx-dir-name\">Quantum Technologies<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Cyber and digital resilience<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/digital-public-infrastructure\/\"><span class=\"nx-dir-name\">Digital Public Infrastructure<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Cyber and digital resilience<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/capital\/\"><span class=\"nx-dir-name\">Capital Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Financial stability<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/div><\/section><section id=\"nx-s-17-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-17\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">18<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Pages<\/span><\/div><h2 id=\"nx-s-17\" class=\"nx-section-title\">Pages in Financial Cyber and Operational Resilience.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/about\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Industry scope and publisher<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/sector\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial discipline overview<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/research\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional research<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/innovation\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Technology and emerging practices<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/readiness\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Resilience and finance readiness<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/programmes\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Research and industry programmes<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/tools\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Analytical and data resources<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/community\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional community<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/learning\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional learning<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/events\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional meetings<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/publications\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Reports and sector briefs<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/participate\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Membership and research participation<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/contact\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Contact the industry platform<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/trust\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Antitrust, independence and financial perimeter<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/stem\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">STEM foundation of Financial Cyber and Operational Resilience<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/cycle\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">How work moves in this field<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/foundry\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Build in Foundry<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/universe\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Test in Universe<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/reports\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Publish in Reports<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/counterparts\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">The same field across the Consortium<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/topics\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Topics<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-18-sec\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-18\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">19<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-18\" class=\"nx-section-title\">Where this page leads across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/cyber\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Cyber and digital resilience<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/stability\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Financial stability<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/infrastructure\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Critical infrastructure<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-19-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-19\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">20<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-19\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Who publishes Financial Cyber and Operational Resilience?<\/summary><div class=\"nx-answer\">The Global Risks Alliance (GRA) publishes Financial Cyber and Operational Resilience and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/div><\/details><details><summary>Is Financial Cyber and Operational Resilience active?<\/summary><div class=\"nx-answer\">Financial Cyber and Operational Resilience is an established platform of The Global Risks Alliance. Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/div><\/details><details><summary>How can I contribute?<\/summary><div class=\"nx-answer\">Start with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/participate\/\">the participation paths<\/a> or write to the contact form. An enquiry receives a reference; it does not create membership, a role or an assignment.<\/div><\/details><details><summary>Where are findings published?<\/summary><div class=\"nx-answer\">Reviewed outputs appear on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/publications\/\">the publications page<\/a>, and contributions to the Reports series are listed on Publish in Reports.<\/div><\/details><details><summary>Which values on this platform are real?<\/summary><div class=\"nx-answer\">Indicator names, units, sources, methods and frameworks are real. Levels in figures and canvases are examples in a design. A programme replaces them with labelled evidence it owns.<\/div><\/details><details><summary>How do I report an error?<\/summary><div class=\"nx-answer\">Use <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/trust\/corrections\/\">corrections and concerns<\/a>, or write to the integrity concern form. A correction is recorded as a new version, never a silent edit.<\/div><\/details><details><summary>Should I report a cyber incident to the platform?<\/summary><div class=\"nx-answer\">No. Report incidents through your firm&#8217;s procedures to your supervisors, national cyber authorities and law enforcement as required. The platform does not receive or handle incident reports.<\/div><\/details><details><summary>Does the platform test or certify firms&#8217; resilience?<\/summary><div class=\"nx-answer\">No. It publishes sector-level analysis and does not test, audit, rate or certify any firm, provider or control.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\">Reports is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Financial Cyber and Operational Resilience<\/span><span class=\"nx-chip\">Scenario and Stress-Test<\/span><span class=\"nx-chip\">Strategic Systems<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/financial-cyber-resilience#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-scn-h-a-p06\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">How it works<\/span><h2 id=\"nx-scn-h-a-p06\" class=\"nx-h3 nx-mt-2\">How Financial Cyber and Operational Resilience works.<\/h2><p class=\"nx-lede nx-mt-2\">Choose a view and press Play to follow the platform&#8217;s process, its programme year, the standards it applies and how its findings are published. The outline shows how the work is designed to run, not the status of any decision.<\/p><div class=\"nx-mt-3\"><div class=\"nx-pe\" id=\"nx-pe-a-p06\" data-nx-pe=\"nx-pe-a-p06\" data-active=\"platforms\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Financial Cyber and Operational Resilience<\/p><h2 class=\"nx-pe-title\">How Financial Cyber and Operational Resilience works<\/h2><p class=\"nx-pe-others\"><span aria-current=\"true\">Platforms<\/span> \u00b7 <span>Programme year<\/span> \u00b7 <span>Standards<\/span> \u00b7 <span>Reports<\/span><\/p><p class=\"nx-pe-cap\">A platform joins a field to named methods, labelled evidence and the outputs it publishes, without becoming the authority it serves.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Scope<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">Field and families<\/span><span class=\"nx-pe-k\">Start \u00b7 The platform lead<\/span><span class=\"nx-pe-sm\">The home states the field, its families and who it serves.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Topic dossiers<\/span><span class=\"nx-pe-k\">Record \u00b7 Platform authors<\/span><span class=\"nx-pe-sm\">Topics explain the subject with labelled evidence.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Evidence<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Evidence labels<\/span><span class=\"nx-pe-k\">Record \u00b7 GCRI<\/span><span class=\"nx-pe-sm\">Each value is labelled: observed, published statistics, estimated, modelled, scenario or unknown.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Methods<\/span><span class=\"nx-pe-k\">Step \u00b7 Method owners<\/span><span class=\"nx-pe-sm\">Methods come from the STEM Commons, each with one canonical page.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Work<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Scenarios on the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a><\/span><span class=\"nx-pe-k\">Model \u00b7 Foundry pillar<\/span><span class=\"nx-pe-sm\">Scenarios run on the Nexus systems, labelled as scenario.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Standards that apply<\/span><span class=\"nx-pe-k\">Record \u00b7 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a><\/span><span class=\"nx-pe-sm\">The platform names the standards that apply. A validator report is evidence for review.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Publish<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Editions<\/span><span class=\"nx-pe-k\">Record \u00b7 Reports<\/span><span class=\"nx-pe-sm\">Findings are published through Reports with their limits.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">Authority decides<\/span><span class=\"nx-pe-k\">Outcome \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">Decisions and execution stay with the government, operator or licensed institution.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/\" rel=\"noopener\">Financial Cyber and Operational Resilience home<\/a> \u00b7 Platforms \u00b7 Shared methods<\/span><span>An outline of how the work is designed to run; it does not report the status of any decision or record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" id=\"nx-tp-kalliance-com-financial-cyber-resilience\" data-nx-takepart=\"GRA\" aria-labelledby=\"nx-tp-kalliance-com-financial-cyber-resilience-h\"><div class=\"nx-container\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Take part<\/span><\/div><h2 id=\"nx-tp-kalliance-com-financial-cyber-resilience-h\" class=\"nx-h3 nx-mt-2\">Take part in Financial Cyber and Operational Resilience.<\/h2><p class=\"nx-lede nx-mt-2\">Start from who you are. Answer an open call. Or form and lead a competence cell on the Financial Cyber and Operational Resilience platform.<\/p><div class=\"nx-mt-3\" data-nx-tabs=\"true\" data-active=\"routes\"><div class=\"nx-tablist\" role=\"tablist\" aria-label=\"Ways to take part\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-kalliance-com-financial-cyber-resilience-tab-routes\" aria-controls=\"nx-tp-kalliance-com-financial-cyber-resilience-panel-routes\" aria-selected=\"true\" data-key=\"routes\">Routes<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-kalliance-com-financial-cyber-resilience-tab-calls\" aria-controls=\"nx-tp-kalliance-com-financial-cyber-resilience-panel-calls\" aria-selected=\"false\" data-key=\"calls\">Open calls<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-kalliance-com-financial-cyber-resilience-tab-cell\" aria-controls=\"nx-tp-kalliance-com-financial-cyber-resilience-panel-cell\" aria-selected=\"false\" data-key=\"cell\">Cells and CERTs<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-kalliance-com-financial-cyber-resilience-tab-index\" aria-controls=\"nx-tp-kalliance-com-financial-cyber-resilience-panel-index\" aria-selected=\"false\" data-key=\"index\">The Index<\/button><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-kalliance-com-financial-cyber-resilience-panel-routes\" aria-labelledby=\"nx-tp-kalliance-com-financial-cyber-resilience-tab-routes\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">National institutions<\/h3><p class=\"nx-p nx-mt-1\">Ministries, statistics offices and agencies: a national desk and chapter, and a seat in the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/national-chapters\/\">National chapters<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Sectors and professions<\/h3><p class=\"nx-p nx-mt-1\">Operators, regulators, banks, insurers and professional bodies whose work touches Financial Cyber and Operational Resilience. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/participate\/\">Participate<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Learning<\/h3><p class=\"nx-p nx-mt-1\">Courses and practice, with a record of every course completed. Free to study. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/open-learning\/\">Open learning<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Standards<\/h3><p class=\"nx-p nx-mt-1\">Draft, review and adopt the methods and data standards with the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Communities and research<\/h3><p class=\"nx-p nx-mt-1\">Universities, civil society and individual experts: projects, data and review. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/contact\/\">Write to the team<\/a><\/p><\/div><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-kalliance-com-financial-cyber-resilience-panel-calls\" aria-labelledby=\"nx-tp-kalliance-com-financial-cyber-resilience-tab-calls\" hidden><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-nx-calls=\"true\"><thead><tr><th scope=\"col\">Open call<\/th><th scope=\"col\">Seeks<\/th><th scope=\"col\">Closes<\/th><\/tr><\/thead><tbody><tr data-closes=\"2026-12-15\"><td>Founding call for experts to the working groups <span class=\"nx-chip\">CALL-FOUNDING-EXPERTS<\/span><\/td><td>expert, editor, chair<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2026-12-01\"><td>Open nomination for the three independent expert seats of the Global Standards Council <span class=\"nx-chip\">CALL-GSC-IND<\/span><\/td><td>council-member<\/td><td>2026-12-01<\/td><\/tr><tr data-closes=\"2026-12-15\"><td>Nominations of interim regional members (applies only if the transitional provision is decided) <span class=\"nx-chip\">CALL-GSC-REG<\/span><\/td><td>council-member<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Review of the wave-1 risk core outlines (C1, C2, C3, C4, C8, C10, C11) <span class=\"nx-chip\">CALL-REVIEW-WAVE1<\/span><\/td><td>contributor<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts for the core standards of risk science: uncertainty and evidence grading, scales, structured expert judgement, tolerability, extremes and compound events, catastrophic and existential risk, ethics and equity, units and measurement (NRS-C17 to NRS-C24) <span class=\"nx-chip\">CALL-CORE-SCIENCE<\/span><\/td><td>expert, editor, chair<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-03-31\"><td>Independent reviewers for the families of the hazard atlas, three from at least two regions for each family (NHS2-R19), priority families first <span class=\"nx-chip\">CALL-ATLAS-REVIEW<\/span><\/td><td>expert<\/td><td>2027-03-31<\/td><\/tr><tr data-closes=\"2026-11-30\"><td>Members of the interim Frontier Safety Review Panel and red-team reviewers (biosafety and biosecurity, AI safety and security, critical-infrastructure security); applications treated in confidence <span class=\"nx-chip\">CALL-FRONTIER-SAFETY-REVIEW<\/span><\/td><td>expert<\/td><td>2026-11-30<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts in ontology, metrology, software verification and conformity assessment for the requirement register, the NHS-2 machine representation, the conformance test suites and the conformity assessment scheme <span class=\"nx-chip\">CALL-CONFORMANCE-ONTOLOGY<\/span><\/td><td>expert, editor<\/td><td>2027-01-31<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note\">Calls past their closing date are hidden automatically. Every call, proposal and route: <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/open-areas-and-calls\/\">open areas and calls<\/a>.<\/p><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-kalliance-com-financial-cyber-resilience-panel-cell\" aria-labelledby=\"nx-tp-kalliance-com-financial-cyber-resilience-tab-cell\" hidden><div class=\"nx-panel-split\"><ol class=\"nx-terms\"><li><h3 class=\"nx-terms-t\">Gather the cell<\/h3><p class=\"nx-terms-d\">Bring together three to seven people with complementary skills: data, field practice, policy and communication.<\/p><\/li><li><h3 class=\"nx-terms-t\">Register it<\/h3><p class=\"nx-terms-d\">Write to the team with the cell&#8217;s name, members, area and region. You receive a reference and a contact. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/contact\/\">Write to the team<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Choose a charter<\/h3><p class=\"nx-terms-d\">Pick one focus: research and evidence, data and maps, standards review, or community preparedness.<\/p><\/li><li><h3 class=\"nx-terms-t\">Learn together<\/h3><p class=\"nx-terms-d\">Follow shared study paths at Risk Academy, with practice and a record of every course completed. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/hazards-resilience\/\">Hazards and resilience<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Lead and report<\/h3><p class=\"nx-terms-d\">Hold regular sessions. Publish what the cell learns through Reports. Bring findings to the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/li><\/ol><aside class=\"nx-callout nx-panel-aside\" aria-labelledby=\"nx-tp-kalliance-com-financial-cyber-resilience-cert\"><h3 class=\"nx-h4\" id=\"nx-tp-kalliance-com-financial-cyber-resilience-cert\">Specialise as a Community Emergency Response Team (CERT)<\/h3><p class=\"nx-p\">A CERT prepares its neighbourhood for the hazards it faces. It builds a local hazard profile from this site&#8217;s map. It trains in household and street preparedness. It learns first aid and light search through recognised local providers, and it runs drills.<\/p><p class=\"nx-p\">A CERT works alongside the local emergency services and follows their direction. It never replaces them and is not an emergency service.<\/p><\/aside><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-kalliance-com-financial-cyber-resilience-panel-index\" aria-labelledby=\"nx-tp-kalliance-com-financial-cyber-resilience-tab-index\" hidden><p class=\"nx-panel-lead\">What a national team or a local community can do on The Global Risks Index (<a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s6\" data-tc=\"NXS-GRX\" data-tk=\"Nexus system\" data-td=\"Canonical data, provenance and risk\" data-ts=\"NRS-S6\">NXS-GRX<\/a>) today.<\/p><div class=\"nx-cells\" data-cols=\"4\"><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Your country&#8217;s profile<\/h3><p class=\"nx-p nx-mt-1\">Open risk profiles for 195 countries, with sources and licences on every value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Correct or reply<\/h3><p class=\"nx-p nx-mt-1\">Correct a value or reply for your country. The change is logged with its effect. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Offer data<\/h3><p class=\"nx-p nx-mt-1\">Offer a dataset. It enters through the licence gate, with your credit. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Use the open data<\/h3><p class=\"nx-p nx-mt-1\">Layers, profiles and tiles through the open API. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-hue=\"finance\" id=\"nx-grix-kalliance-com-financial-cyber-resilience\" data-tone=\"alt\" data-nx-grix=\"risk:world\" aria-labelledby=\"nx-grix-kalliance-com-financial-cyber-resilience-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><span class=\"nx-eyebrow\">The Global Risks Index<\/span><h2 id=\"nx-grix-kalliance-com-financial-cyber-resilience-h\" class=\"nx-section-title\">Every figure on this page is indexed: hazards, climate, conflict, the world.<\/h2><p class=\"nx-lede\">The Index is the Consortium&#8217;s indexing system for risk data. Every indicator, hazard, series and country profile carries its <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> identifier, its source and its licence, so what this page shows can be traced, corrected and reused.<\/p><\/div><div class=\"nx-grix\"><ol class=\"nx-grix-rail\" aria-label=\"The data pipeline\"><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">01 \u00b7 Sources<\/span><span class=\"nx-grix-t\">205 registered sources<\/span><span class=\"nx-grix-m\">Every value keeps its source and licence; withheld values are counted.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/data\/\">Data and licences<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">02 \u00b7 Nexus Standards<\/span><span class=\"nx-grix-t\">NIS-1 and NHS-1<\/span><span class=\"nx-grix-m\">451 indicators, 905 hazards; every record carries a <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/uni\/\" data-tc=\"UNI\" data-tk=\"Nexus Standards\" data-td=\"The universal identifier of every Nexus artifact (NS-1)\">UNI<\/a>.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">03 \u00b7 The Index<\/span><span class=\"nx-grix-t\">54 series, 195 country profiles<\/span><span class=\"nx-grix-m\">Computed on the standards; no value is published until an edition is released.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/\">The Global Risks Index<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">04 \u00b7 This page<\/span><span class=\"nx-grix-t\">Financial Cyber and Operational Resilience<\/span><span class=\"nx-grix-m\">Maps, figures and feeds read the Index in the context of hazards, climate, conflict.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/developers\/\">Public API<\/a><\/li><\/ol><div class=\"nx-grix-kpis\"><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Sources<\/span><span class=\"nx-metric\" data-count=\"true\">205<\/span><span class=\"nx-metric-note\">registered, each with its licence<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Indicators<\/span><span class=\"nx-metric\" data-count=\"true\">451<\/span><span class=\"nx-metric-note\">NIS-1, 106 composites, 20 domain indices<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Hazards<\/span><span class=\"nx-metric\" data-count=\"true\">905<\/span><span class=\"nx-metric-note\">NHS-1, crosswalked to UNDRR-ISC HIPs<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Series<\/span><span class=\"nx-metric\" data-count=\"true\">54<\/span><span class=\"nx-metric-note\">global, sector, strategic, technology, thematic<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Country profiles<\/span><span class=\"nx-metric\" data-count=\"true\">195<\/span><span class=\"nx-metric-note\">one site per country<\/span><\/div><\/div><div class=\"nx-grix-grid\"><div class=\"nx-grix-col\"><h3 class=\"nx-grix-h\">Series in this context <span class=\"nx-grix-hm\">hazards, climate, conflict<\/span><\/h3><ol class=\"nx-grix-ledger\"><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GLB<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/global\/\">Global Systems<\/a><span class=\"nx-grix-row-d\">The state of interdependent <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 global-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Nexus risk class: a risk whose hazard, consequences or causal chain crosses national borders and acts at continental or planetary scale, so that no single country can assess or manage it alone.\" data-ts=\"NRS-C1\" data-tr=\"draft\">global risk<\/a>: the twenty domain indices aggregated to the world, the five core <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> (water, energy, food, health, biodiversity) and their couplings, the global tail register and the gap\u2026<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000002<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">TH<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/th-04\/\">Disaster Risk Intelligence (DRI)<\/a><span class=\"nx-grix-row-d\">Signals, observations, event streams, geospatial layers and scenario packs turned into structured risk intelligence for preparedness and planning.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000111<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-10\/\">Global Cities<\/a><span class=\"nx-grix-row-d\">Urban exposure, heat, flooding, informal settlement, service dependency and the economic weight of cities at risk.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000068<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Infrastructure \u00b7 Climate<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-07\/\">Global Climate<\/a><span class=\"nx-grix-row-d\">Chronic and acute physical climate hazard, transition exposure, adaptation gaps and scenario pathways to 2030, 2050 and 2100.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000065<\/span><span class=\"nx-grix-dom\">Climate \u00b7 Hazards \u00b7 Finance<\/span><\/span><\/li><\/ol><p class=\"nx-grix-foot\" data-nav=\"inline\"><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/series\/\">All 54 series<\/a> \u00b7 <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/indices\/\">The 20 domain indices<\/a><\/p><\/div><div class=\"nx-grix-col nx-grix-side\"><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Country profiles <span class=\"nx-grix-hm\">the world<\/span><\/h3><div class=\"nx-grix-chips\"><a class=\"nx-grix-chip\" href=\"https:\/\/risksindex.com\/countries\/\">All 195 country profiles<\/a><\/div><p class=\"nx-grix-foot\">Every country profile carries the source and licence of each value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/contribute\/\">Correct a value or reply<\/a><\/p><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Hazard domains <span class=\"nx-grix-hm\">NHS-1<\/span><\/h3><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/atmo\/\">Atmosphere and weather<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000135<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/geo\/\">Solid Earth<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000138<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/sys\/\">Systemic and compound events<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000148<\/span><\/li><\/ul><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Geodata and API <span class=\"nx-grix-hm\">open<\/span><\/h3><p class=\"nx-grix-m\">Open layers on an equal-area hexagon grid, shown as densities per km\u00b2 or as symbols: <span class=\"nx-grix-tag\">People \u00b7 GHSL 2025<\/span><span class=\"nx-grix-tag\">People \u00b7 WorldPop 2025<\/span><span class=\"nx-grix-tag\">Built-up area<\/span><span class=\"nx-grix-tag\">Ports<\/span><span class=\"nx-grix-tag\">Airports<\/span><span class=\"nx-grix-tag\">Roads<\/span><span class=\"nx-grix-tag\">Railways<\/span><span class=\"nx-grix-tag\">Rivers and lake centrelines<\/span><\/p><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/observatory\/\">Risk Observatory map<\/a><span class=\"nx-grix-dom\">open<\/span><\/li><\/ul><p class=\"nx-grix-m\"><code class=\"nx-grix-code\">\/api\/v1\/public\/grix<\/code> \u00b7 <code class=\"nx-grix-code\">https:\/\/nexustandards.com\/uni\/{uni}<\/code><br><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/developers\/\">Developers<\/a> \u00b7 Data \u00b7 Made with Natural Earth, Public domain; GHSL and WorldPop, CC BY 4.0<\/p><\/div><\/div><\/div><p class=\"nx-grix-note\">Snapshot of the Index registries pinned 2026-10-23 \u00b7 22c6eed. Research and risk-analytics information: not a rating, an official classification, a warning, a benchmark or advice.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-lobalriskalliance-com-financial-cyber-resilience-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-lobalriskalliance-com-financial-cyber-resilience-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-lobalriskalliance-com-financial-cyber-resilience-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/systems\/nxs-nst\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Nxs-nst<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/technology-digital\/cybersecurity\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Cybersecurity and digital resilience<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><nav class=\"nx-deeper nx-hubs\" aria-labelledby=\"nx-deeper-lobalriskalliance-com-financial-cyber-resilience-hubs-h\" data-nx-hubs=\"6\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-lobalriskalliance-com-financial-cyber-resilience-hubs-h\">The same subject across the Consortium<\/h2><ul><li><a href=\"https:\/\/therisk.global\/cyber-digital-resilience\/\" data-ext><span class=\"nx-deeper-k\">Science:<\/span> Cybersecurity and Digital Resilience<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/globalriskforum.com\/ai-digital-governance\/\" data-ext><span class=\"nx-deeper-k\">Policy:<\/span> AI and Digital Governance<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/digital-ai\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Digital, Cyber and AI<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/technology-digital\/cybersecurity\/\" data-ext><span class=\"nx-deeper-k\">Learn:<\/span> Cybersecurity and digital resilience<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksindex.com\/series\/gs-13\/\" data-ext><span class=\"nx-deeper-k\">Index:<\/span> Global Cyber and digital series<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/areas\/cyber-digital-resilience\/\" data-ext><span class=\"nx-deeper-k\">Reports:<\/span> Cybersecurity and Digital Resilience in Reports<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-20\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Financial Cyber and Operational Resilience<\/span><h2 id=\"nx-close-20\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/write-to-us\/readiness-request\/\">Propose a readiness pilot <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-21\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-21\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Who publishes Financial Cyber and Operational Resilience?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Global Risks Alliance (GRA) publishes Financial Cyber and Operational Resilience and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. 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