Your question is Incremental vs Full Loads. Take a moment with it on the right.
Talk me through your thinking if you like. When you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes).
Explain the difference between incremental loading and full loading in an enterprise ETL pipeline, and when you would choose one over the other at MetLife.
Discuss the trade-offs in source-system impact, processing time, data freshness, recovery, data correctness, and operational complexity. Explain how you would detect changed records, make loads idempotent, handle deletes and late-arriving data, validate results, and decide when a full reload or backfill is necessary. Use a concrete ETL design and mention relevant technologies such as Apache Airflow, cloud object storage, SQL, or a data warehouse.