Patroklos PatroklouBeyond the March 2025 Deadline: Sustaining Operational Resilience in the UK
On 31 March 2025, the transition period for the FCA and PRA’s operational resilience rules officially ended. For UK financial institutions, that date wasn’t the finish line—it was the starting gun for a new era of Continuous Resilience.
In 2026, regulators have shifted their focus from “Have you identified your services?” to “Can you prove you are staying within your tolerances today?” If you are still relying on the “Legacy of 2025″—static spreadsheets and PDF self-assessments—you are likely carrying significant “Compliance Debt” that won’t survive a 2026 supervisory review.
The Challenge: Why “Static” Mapping is Failing in 2026
The March 2025 mandate required firms to map their Important Business Services (IBS) and set Impact Tolerances. However, many firms treated this as a point-in-time exercise.
The Problem: Your business is dynamic. New vendors are onboarded, legacy systems are migrated to the cloud, and the UK’s Cyber Security & Resilience (CSR) Bill has introduced new reporting pressures. A spreadsheet created in early 2025 is already a historical artifact, not an operational tool.
The Risk: If a disruption occurs today, a static map won’t show you the real-time interdependencies of your Nth-party supply chain, leading to a breach of your Impact Tolerance—and potential FCA enforcement.
Enactia: Automating the “Building Blocks” of Resilience
Enactia transforms the FCA/PRA requirements from a manual chore into a live, automated ecosystem.
1. Visual Dependency Mapping (The End of the Spreadsheet)
Stop trying to draw complex service chains in PowerPoint. Enactia’s Asset Management and Vendor modules allow you to visually map every person, process, technology, and third-party facility to your IBS.
Why it matters: When a critical software provider updates its terms or suffers an outage, Enactia instantly shows you which UK business services are at risk.
2. Dynamic Impact Tolerances & Scenario Testing
FCA supervisors now look for “severe but plausible” scenario testing that is empirical, not just judgment-based.
Enactia’s Solution: Run digital simulations within the platform. By tagging vulnerabilities and remediation plans directly to your service maps, you can prove to the Board—and the regulator—exactly how much “buffer” you have before a disruption causes intolerable harm.
3. The “Self-Assessment” as a Living Document
The annual Operational Resilience Self-Assessment is a significant burden for UK Senior Management Functions (SMFs).
Enactia’s Solution: Instead of scrambling for evidence every 12 months, Enactia collects it continuously. Your self-assessment is always 90% complete, featuring real-time risk heatmaps and audit-ready logs of every scenario test conducted throughout the year.
The 2026 Verdict: Move Beyond the Legacy
Operational resilience is no longer a “project” to be completed; it is a cultural way of working. As the FCA recently noted, the most resilient firms are those that have embedded these practices into their daily operations.
Don’t let your 2025 legacy become a 2026 liability.
