Risk Appetite Consistency vs Business Diversity
Automate routine execution but require named human sign-off for risk-acceptance decisions, keeping accountability attributable while capturing efficiency gains.
CyberTRIZ analysis · Banking contradiction G018 · one of 8,235 worked contradictions published by CyberTRIZ.AI
Regulations
Business Context
Different business lines operate with different products, customers, and markets, making a single enterprise-wide risk appetite difficult to apply consistently.
Banking TRIZ Resolution
Maintain a common enterprise risk framework while defining differentiated limits and tolerance levels according to business activities.
Recommended Principles
Principle 1 - Segmentation
Principle 3 - Local Quality
Principle 35 - Parameter Changes
Expected Outcome
Better governance
Improved business alignment
Consistent risk management
TRIZ principles applied
P1 SegmentationP3 Local QualityP35 Parameter Changes