Cash Logistics & Vault Services — impact tolerance ≤ 1 business day — ITOL

Impact tolerance: ≤ 1 business day — any regional carrier disruption causing > 20% of branches or ATMs to run out-of-cash within one operating day (illustrative default — trace the derivation, then replace with your own harm analysis)

Definition: Armored-carrier replenishment of branch and ATM cash, vault management, and coin/currency ordering with the Federal Reserve.

Why it is designated: Third-party armored carriers (Loomis, Brinks, GardaWorld) are a concentrated dependency. Vendor outages, labor actions, or route disruptions have historically cascaded to branch/ATM cash-out events. Sound-practices guidance emphasizes third-party concentration risk.