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Rapid-Fire Bank — 150 Questions With Model Answers

Short questions, short answers. The answers are written the way you would actually say them — one to three sentences, no hedging, and the number when there is one.


Table of Contents


How to drill this

Cover the answer column. Say your answer out loud — the gap between what you can recognize and what you can articulate is exactly the gap the interview measures.

Mark every question where your spoken answer was worse than the written one. Those are your revision list; there will be twenty or so and they are the whole value of the exercise.

1. Platform model and budgets (1–12)

#QuestionAnswer
1Name the five layers.Users & Channels, Agent Kernel, Control Plane, Knowledge Foundation, Action Gateway — plus three cross-cutting: model, identity, infrastructure.
2Five layers at 99.9% each — platform availability?0.999⁵ = 99.5%, which is 3 h 36 m a month. You cannot promise more than the product of your serial dependencies.
3How do you get it back up?Make dependencies degradable rather than serial, add redundancy where the failure domains are genuinely independent, and take slow dependencies off the synchronous path.
4What is the SLI for an agent platform?A validity predicate, not HTTP 200: an answer was produced, it cited a retrieved document, and no guardrail blocked it.
599.9% — how much downtime a month?43.2 minutes.
6Why is 14.4 the page burn rate?It is derived: 2% of the budget in 1/720 of the window → 0.02 ÷ (1/720) = 14.4.
7What is the first thing you write in a design?The latency budget, per stage, with headroom — because the headroom is the fallback decision.
8A fallback with no headroom is what?Decoration. If it does not fit the remaining budget it will never complete inside the request.
9Why is the p95 of a chain worse than the max of the p95s?Tails compound — the chance that at least one hop is slow rises with the number of hops.
10Cost per token or cost per action?Cost per successful action. A 30% failure rate multiplies effective cost by 1.43.
11The one sentence for the whole architecture?"The model proposes, the platform disposes."
12What makes a layer worth having?It denies something. A layer that denies nothing can be deleted.

2. The agent kernel (13–24)

#QuestionAnswer
1320 steps at p = 0.95 — task success?0.95²⁰ ≈ 36%. You fix it by reducing n, not by improving the prompt.
14Three ways to raise it?Fewer, coarser tools (lower n); validation and deterministic tools (higher p); checkpoints and compensation (failure ≠ task failure).
15Where does session state live?Externalized — Redis or a database. Never a worker's memory.
16Then why session affinity?As a cache optimization, never a correctness requirement. Losing affinity must cost latency, not the session.
17Consistent hashing, 3 → 4 nodes?~25% of keys move, versus ~75% for modulo.
18Does checkpointing give exactly-once?No — resumability. Exactly-once effects is the action gateway's job.
19Three memory types and their risk?Short-term (context, cheap), long-term (curated, a data-retention question), episodic (past runs, the one that quietly becomes a privacy problem).
20Scratchpad token growth over n steps?Quadratic: nb + a·n(n−1)/2. At b=1k, a=2k, n=10 that is 100,000 input tokens, not 20,000.
21How do you attack that term?Summarization, compaction, and prefix caching.
22Why a step budget?An unbounded loop is an unbounded bill and an unbounded blast radius. It is also the only defence against a planner that loops on ambiguity.
23What ends a run?Success, step budget exhausted, a blocking denial, or an escalation. Four terminal states, all recorded.
24LangGraph or your own kernel?Use a framework in the kernel. Frameworks model the flow; none of them model the principal, which is the gap the platform fills.

3. MCP and the tool plane (25–34)

#QuestionAnswer
25What is MCP, in one line?A JSON-RPC protocol for agent-to-tool access with capability advertisement and schema-enforced calls.
26What does a tool registry hold?Name, semantic version, JSON Schema, declared side-effect class, owner, and the scopes required.
27Why is the side-effect class mandatory?It drives retry policy, approval policy and idempotency requirements. A tool without one cannot be registered.
28The four side-effect classes?read, write_idempotent, write_non_idempotent, irreversible.
29Tool versioning scheme?Semantic. A required-field addition or a type change is major; a new optional field is minor.
30What is authorization-aware discovery?An agent's tool list is filtered by what it may actually call — it should not see a tool it cannot use.
31Why does that matter?Visibility is a side channel, and a model that can see a tool will eventually try it.
32Validation before or after invariants?Schema first, then business invariants. You cannot check an invariant on a malformed payload.
33Return the first error or all of them?All, sorted. A caller who fixes one and resubmits should not find the second on the next round trip.
34Who owns a tool?A named team, with an SLO. An unowned tool in the estate is an outage with no pager.

4. A2A, ACP and delegation (35–44)

#QuestionAnswer
35Why an internal task model?So protocols are adapters at the edge. The protocol is a serialization decision; the task model is the architecture.
36What is an Agent Card?The A2A capability descriptor — what the agent can do, how to reach it, and how to authenticate.
37Delegation depth limit?3 for us, enforced at the authorization server. More requires a named exception with an expiry.
38Why at the AS rather than the framework?An agent that forgets to check is a bug; an AS that forgets is a vulnerability — and only one of those is in my control.
39How do you detect a cycle?The requesting actor already appears in the chain. Refuse, naming the chain so the operator sees a loop, not a recursion limit.
40Does the chain append or replace?Appends. Replacing loses the human, and the human is the only accountable party in it.
41Where does the chain live?In the act claim of a signed token. Never in a request field — that would be forgeable.
42Delegate agent is down. What happens?Degrade: the screening is deferred to a human, the answer stands, and the platform says so.
43Group Compliance's AS is down — same answer?No. At an organizational boundary you refuse or escalate; you never record a screening you did not perform.
44What crosses an org boundary?A minimal payload — counterparty and reference, not the case file — with the classification travelling with it.

5. The model gateway (45–56)

#QuestionAnswer
45Why a gateway at all?So residency, cost, tenant isolation and accounting are enforced once instead of in twelve agent codebases.
46You just built a single point of failure.Deliberately. Stateless, multi-AZ, no synchronous control-plane call, routing table as data with a canary — and a higher availability target than anything it calls.
47The four routing gates?Classification, residency, budget, degradation ladder — all inside the router.
48Why inside?So the fallback passes them too. Routing and residency each tested separately is how confidential data reaches the wrong region at 3 a.m.
49What is retryable?429s and 5xx. Not a timeout on a non-idempotent call, and never a content filter.
50Why not fall over on a content filter?Because that is shopping for a model that will do what your primary refused. It is one line of code and an audit finding.
51Cache order relative to quota?Quota first — otherwise the cache is a quota bypass for the tenant with the best hit rate.
52Three cache tiers?Exact response, prefix/prompt, semantic. Increasing hit rate, increasing risk.
53Cache key rule?Tenant first, always. And never cache an entitlement-dependent answer — cache the retrieval instead.
54Rate limit on what?TPM and RPM. One request can be 100k tokens; an RPM-only limit protects nothing.
55Where does the tenant come from?The token. Anything the caller can set, the caller can forge.
56Redis down — fail open or closed?Open on cache, closed on quota. A cache outage should cost latency; a quota outage would blow a hard external provider limit for everyone.

6. Serving and capacity (57–68)

#QuestionAnswer
57Prefill vs decode?Prefill processes the input in parallel and is compute-bound; decode emits one token at a time and is memory-bandwidth-bound.
58Why does batching help decode more?Because the weights are read once for the whole batch, and decode is bandwidth-limited by exactly that read.
59KV cache size formula?2 · L · H_kv · d · S · b — the leading 2 is keys and values.
60Worked: L=32, H=8, d=128, S=8192, fp16?~1.07 GB per sequence. On 50 GB of free HBM that is ~46 concurrent 8k sequences.
61So what limits concurrency?Memory, not compute. That is why GQA matters so much for serving economics.
6270B fp16 weights?~130 GiB — it does not fit one 80 GiB card. Tensor parallel or quantize.
63Batch-1 decode arithmetic intensity?About 1, against a ridge point around 300. You are three orders of magnitude off roofline.
64PTU or PAYG?Dedicated floor at p50 demand for the latency-sensitive tier, spill to PAYG, batch on the cheapest thing.
65Break-even?A utilization number: (monthly PTU cost ÷ PAYG per-1k) × 1000, divided by what the capacity actually serves at your token mix.
66What moves it most?The input/output mix — enough to move break-even utilization from ~77% to ~40%. Not the price.
67A non-cost reason for dedicated capacity?Latency. It removes shared-pool congestion and 429s, which is often the real reason.
68Risk of a 1-year commitment?It is a bet against deprecation. Price the exit before signing.

7. Retrieval (69–80)

#QuestionAnswer
69One index with a filter — what is wrong?Recall collapses for narrowly entitled users, counts and latency form a side channel, a filter is one refactor from a breach, and it cannot be proved.
70The rule?Isolation is a property of what you search, not of what you return.
71Your topology?Index per tenant, partition per classification, barriers in a separate store.
72Why are barriers separate?A barrier is not a clearance level. A confidential deal memo passes a confidential clearance check — that ordering bug is an MNPI leak.
73Check order?Barrier, then desk scope, then classification rank.
74Why hybrid retrieval?Financial text is full of exact tokens — PMT-771, an LEI, pain.001 — that embeddings smooth over and BM25 nails.
75Why RRF over a weighted blend?BM25 scores and cosine similarities are incomparable scales that drift. RRF uses only ranks, so there is nothing to calibrate.
76RRF formula?Σ 1/(k + rank_i), k = 60.
77Chunking approach?Structure-aware splits with ~15% overlap, and the parent title and section path prepended — "the limit is 5 million" is useless without which limit.
78What do you shed first under load?The cross-encoder reranker. It is ~40% of the retrieval budget and it is not a control.
79Do you index prices?No. Anything that changes by the second is a tool call. An indexed price is a wrong price with a citation.
80Embedding model changes — what happens?Dual-write both vector spaces, backfill, cut over per tenant, retire the old. At 400M chunks that is a programme, not a config change.

8. Knowledge graphs (81–88)

#QuestionAnswer
81Why a graph as well as a vector store?The vector store answers "what text is relevant"; the graph answers "what is connected".
82A query only the graph can answer?"Is this counterparty connected, through any ownership path of length ≤ 4, to a sanctioned entity?"
83What is FIBO?The Financial Industry Business Ontology — a standard OWL vocabulary for financial entities and relationships.
84What is SHACL for?Validating the graph's shape: every counterparty has an LEI, a jurisdiction and a screening date. A violation is a data-quality ticket, not a runtime surprise.
85RDFS/OWL entailment in one line?Facts you did not state but that follow — subclass, subproperty, transitivity — materialized or inferred at query time.
86SPARQL basic graph pattern?A set of triple patterns with shared variables; evaluation is a join over bindings.
87Do graph results need entitlement?Yes. An ownership edge can itself be MNPI — same three dimensions applied to triples.
88Graph is slow — what do you do?Fire it in parallel with retrieval, and if it does not return in budget, proceed and flag reduced grounding.

9. Identity (89–100)

#QuestionAnswer
89Why not a service account per agent?The audit record then names a robot, least privilege becomes per-agent instead of per-task, and there is a standing credential to steal.
90What replaces it?RFC 8693 token exchange: sub stays the human, act nests the agents.
91Delegation or impersonation?Delegation. Impersonation makes the agent indistinguishable from the human downstream and destroys attribution.
92How does act nest?Innermost is the most recent actor; the AS only nests an actor it authenticated via the actor_token.
93What narrows at each hop?Scopes — monotone, enforced by the AS as a set-containment check.
94Scope at the estate?A single resource instance: payments.release:PMT-771, not payments.release.
95Credential lifetime there?60 seconds, audience-bound to the specific endpoint, minted per action.
96What is SPIFFE for?Workload identity: an attested, short-lived SVID delivered at runtime, so the agent holds no long-lived secret.
97Bearer token in a log file?A credential — unless it is sender-constrained (RFC 8705 mTLS binding or DPoP), in which case the log line alone is useless.
98Time to revoke an agent?Propagation + token TTL + in-flight. Roughly 6.5 minutes with 5-minute tokens — and it should be measured, not estimated.
99How do you shorten it?Shorter TTLs, a revocation list at the resource server, and an out-of-band kill switch that does not depend on the bundle.
100Compromised agent — blast radius?Its scopes, for five minutes, attributable, and still facing the gateway's dual control and idempotency. Bounded by construction.

10. Control plane and policy (101–110)

#QuestionAnswer
101Default posture?Default deny, with deny overriding allow. Absence of a record is not permission.
102What is KYA?Know Your Agent: a registry entry with an owner, a risk tier, an evaluation record and a lifecycle state, checked at runtime.
103Control plane unreachable — what happens?Fail static: last known-good bundle, staleness alarm, hard stop past a defined age.
104Why not fail closed?Because then the control plane's availability becomes the platform's, which is a self-inflicted outage.
105Why not fail open?It is a hole. And the hard stop is what stops fail-static becoming fail-open over a long outage.
106Policy call on the hot path?No — a local bundle, pushed, with a TTL. A network call per request is a serial dependency you do not need.
107What is continuous authorization?A decision lease with a TTL, re-evaluated, plus a kill switch — not a static grant checked once at start-up.
108OPA or Cedar?Cedar where analyzability matters: "can any principal do X" is a question a regulator asks and Rego cannot answer in general.
109Does a denial get recorded?Always. A decision with no record is indistinguishable from a control that never ran.
110Behavioural posture check?Graduated, not categorical: a stale evaluation blocks a high-impact action but not a read.

11. The action gateway (111–122)

#QuestionAnswer
111What is it for?It is the bank's enforcement boundary — the only path from a model's proposal to a bank action.
112Order of checks?Contract, then idempotency key, then dual control, then breaker, then execute, then audit.
113Exactly-once delivery?Impossible. Exactly-once effects is a key and a store.
114The idempotency cases?New, completed-replay, conflicting-payload-same-key, and in-flight — the one people miss.
115Dual control threshold?100,000 USD here, inclusive. Above it, two distinct approvers.
116Who cannot approve?The requesting user, the acting agent, and every agent in the chain — otherwise self-approval through a delegated agent works.
117Circuit breaker settings?Failure ratio over a window, with a minimum throughput so two failures out of three do not open it, and half-open probes to recover.
118Saga compensation order?Reverse. And you must handle orphans — a step that succeeded but whose result was never recorded.
119Downstream circuit is open — deny?No: degrade. The answer stands, the action is deferred. A dependency outage is not a policy denial.
120Missing approval — denied?Escalated. Denied ends a workflow; escalated opens one, and they have different SLIs.
121Audit log shape?Hash-chained over canonical JSON, with the trace id on every record.
122Does the chain prevent tampering?No — it makes it evident. Prevention needs the head anchored outside the platform.

12. Guardrails (123–132)

#QuestionAnswer
123Is prompt injection solved?No, and the design does not depend on the scanner.
124So what stops it?Containment: side-effecting + derived from retrieval + unapproved = refuse. The attacker's ceiling is a human decision.
125Where does the chain run?Twice — over retrieved content before the prompt, and over the proposed action before the gateway.
126Which documents are tainted?The ones that passed the scan. Failing means dropped; passing means it is in the prompt and attacker-influenceable.
127Does taint propagate?Yes — a summary of a poisoned document is poisoned. That is the hard engineering.
128Noisy-OR, and why?1 − Π(1 − w). Summing exceeds 1.0; max throws away corroboration.
129Normalization before matching?NFKC, then strip invisibles. Otherwise a homoglyph defeats every string matcher you have.
130A barrier removes a document — is the request failed?No. That is a control acting, not halting. Collapsing the two makes every filtered document look like an outage.
131OWASP LLM coverage?A matrix generated from the code, so a new risk row becomes a missing control rather than a spreadsheet gap.
132How do you grade a red-team run?On containment — did it reach a human rather than an action — not on detection.

13. Integration and infrastructure (133–140)

#QuestionAnswer
133Money in code?Integer minor units with a per-currency exponent. Divide last, never float.
134Why?1.15 * 100 is 114.99999999999999, and int() of that is 114. That is a real payment.
135Exactly-once effects across a boundary?Transactional outbox: write the state and the message in one transaction, relay separately, dedupe at the consumer.
136Kafka ordering guarantee?Per partition. So the partition key is the ordering guarantee.
137Schema compatibility and deploy order?Backward compatibility means consumers deploy first; forward means producers first. Getting it backwards is the outage.
138When is a payment final?When the scheme says so — settlement dominates the cut-off. Finality is a rule, not a timeout.
139A Terraform attribute change that replaces?A ForceNew attribute. Knowing which ones those are is the difference between a change and an outage.
140Admission policy engine errors — admit?No. Fail closed. A policy engine that errors must not admit.

14. SRE, governance and the operating model (141–150)

#QuestionAnswer
141Alerting pattern?Multi-window multi-burn-rate, with a minimum event count so a quiet hour cannot page on one failure.
142Span self-time?Total minus the union of child intervals — not the sum, or concurrent children double-count.
143Cardinality budget?It is a product: agent × tool × tenant × model × outcome. Budget it before shipping, not after the bill.
144Degradation ladder rule?Quality may degrade; safety may not. No control is ever a rung, checked at construction.
145Descend and ascend symmetrically?No — jump down fast, step up one rung at a time. Symmetric recovery oscillates.
146The six reproducibility pins?Base model, prompt, policy, tool set, guardrails, and retrieval snapshot — the last is the forgotten one.
147Evidence pack property?Generated, not assembled — and complete, or it names the missing artifact.
148Two-in-a-box in one sentence?Undivided accountability, including the pager. Not a partition of tech and product.
149Who signs an irreversible decision?Both owners. Reversible: one, recorded. Unresolved: escalate with both written positions, never the average.
150What is an ORR?A gate, not a grade: any mandatory criterion failing fails the review at any advisory score, and every criterion names the artifact that proves it.