Single-person dependency flagged on routine resilience check
A trust officer notices twelve structures have no documented deputy on the cover matrix.
It is Monday morning at Ardennes Trust Company. Helena Marquand, a senior trust officer, is working through the quarterly operational-resilience check. She opens the cover matrix and finds twelve active structures listed against a single administrator, Ravi Okonkwo, with no documented deputy and no recent cross-training entry. None of these structures are non-compliant — every CDD review is in date, every fee is correctly raised — but the operating model has a clear single point of failure. She raises a watch-list item against RSK-014, the firm's key-person dependency risk, so it cannot be lost in her inbox.
Helena opens the cover matrix, exports the twelve-structure list, and writes a one-paragraph rationale for the flag.
RiskAlign links the watch-list item to RSK-014 under the People & Conduct taxonomy branch, attaches the cover-matrix snapshot, and surfaces it on the second-line review queue — read-only, nothing in the register is changed yet.
Operating-model fragility surfaces from routine work, not after an incident. One flag, one queue, named owner.