--- title: Nearly 50% of MRAs are for Operational Risks description: The OCC released its Semi-Annual Risk Profile. 50% of all MRAs the OCC issues are for operational risks. Tech Debt was another risk the OCC identified. 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IS AN EMAIL, TEXT, OR DM MAKING YOU FEEL SUDDEN, URGENT EMOTIONS? “You won o... [Read More](https://insights.bankonitusa.com/information-security-brief-november-2025) - - - - [mailto:url=https%3A%2F%2Finsights.bankonitusa.com%2Focc-release-and-tech-debt](mailto:url=https%3A%2F%2Finsights.bankonitusa.com%2Focc-release-and-tech-debt) [← Return to Blog](https://insights.bankonitusa.com) 20 Jun, 2023 ## Nearly 50% of MRAs are for Operational Risks ##### Is Tech Debt Adversely Impacting Your Bank? The OCC released its Semi-Annual Risk Profile. The release stated that Operational Risk is elevated, with nearly 50% of all MRAs issued by the OCC being due to Operational Risk items.  Operational Risk is primarily driven by Cyberattack evolution & sophistication; Complex Operating Environments from the adoption of new products, services, and expanded fintech relationships; Third Party Oversight & Risk Management Deficiencies; and Compliance Deficiencies as expanded digital & electronic offerings are introduced. The OCC also commented that some banks are accumulating Tech Debt. Technical or “Tech” Debt is generally characterized as the accumulated future costs to a company to operate existing technology systems and the costs to update to more advanced technologies. Tech Debt is incurred when decisions are made to postpone system updates or delay technology upgrades, creating increased risks to an organization. Following are three areas where Tech Debt has been identified as occurring: Banks that do not keep their technology infrastructure up to date may experience opportunity costs and limit their longer-term productivity gains due to the inability to implement new products and services. Are you interested in gaining MORE from your technology investment? Contact us by email at [solutions@bankonitusa.com](mailto:solutions@bankonitusa.com) or call us at 1-800-498-8877 Option 2 for a confidential discussion. -- [Semiannual Risk Perspective Spring 2023 (occ.gov)](https://occ.gov/publications-and-resources/publications/semiannual-risk-perspective/files/pub-semiannual-risk-perspective-spring-2023.pdf) [← Return to Blog](https://insights.bankonitusa.com) Tags [Achieve Operational Efficiency](https://insights.bankonitusa.com/tag/achieve-operational-efficiency) [Reduce Risk](https://insights.bankonitusa.com/tag/reduce-risk) [Cybersecurity](https://insights.bankonitusa.com/tag/cybersecurity) ##### Disclaimer This publication attempts to provide timely and accurate information concerning the subjects discussed. It is furnished with the understanding that it does not provide legal or other professional services. 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