Northwind Payments has identified seven Important Business Services through its 2025 Operational Resilience review, in line with the methodology described in our Operational Resilience Framework §3.2 ^[1]. The methodology assesses harm to consumers, market integrity, and the firm’s safety and soundness.

Impact tolerances are set per service using a four-dimension framework — customer harm, financial loss, market integrity, and regulatory implication — and expressed as a maximum tolerable disruption duration. The methodology and current tolerances are documented in the Impact Tolerance Register v3 ^[2].

Tolerances were reviewed and approved by the Operational Risk Committee ^[3] on 14 November 2025 and ratified by the Board on 28 November 2025. Annual review is scheduled for November 2026, or earlier following any material incident or change to a service.