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Alarge bank is reviewing its processes and procedures to manage operational risk in accordance with best practices established by the Basel Committee. In implementing the three lines of defense model, which of the following statements is correct?

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A) The internal audit function should serve as the first line of defense and continually validate operational procedures used by the business lines.

B) Business line managers, as part of the first line of defense, should provide a credible challenge to the internal audit function.

C) The corporate operational risk function, as part of the second line of defense, should challenge risk inputs from business line managers.

D) The corporate operational risk function should serve as the third line of defense and validate model assumptions made by senior management.

答案：C

解析：The Basel three lines of defense model establishes the following lines of defense: In the first line of defense business line managers manage the risk of their business lines, in the second line of defense the corporate operational risk function (CORF) reviews the risk controls put in place by the first line of defense and establishes firm-wide risk management procedures, and in the third line of defense.

an independent review (such as an internal auditor) reviews the effectiveness of the risk controls in the first two lines of defense. C is correct, since as part of the second line of defense, the CORF should challenge inputs from business line managers. Ais incorrect, as internal audit is part of the third line of defense and the validation team is generally part of the corporate risk function as part of the second line of defense. B is incorrect, business line managers do not challenge the audit function as part of the first line; rather, they manage the risk of the business lines. D is incorrect, as the CORF is the second line of defense.

There are typically four steps used in designing the risk control self-assessment (RCSA) program for a large firm. Which of the following statements is least likely to be a step in the design of that program?

A) Identify and assess risks associated with each business unit’s activities.

B) Controls are added to the RCSAprogram to mitigate risks identified for the firm.

C) Risk metrics and all other OpRisk Initiatives are linked to the RCSAprogram.

D) Reports to regulators are prepared that summarize the degree of OpRisk.掃碼參與

答案：D

解析：The last step in the design of a risk control self-assessment (RCSA) program involves control tests to assess how well the controls in place mitigate potential risks.

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