One of the number one reasons for a MLCC’s to become open or fail at the board level is flex cracking. When board is flexed during handling, addition of components, or the wash and solder process damage and cracking can easily happen to ceramic capacitors. These cracks can be hard to see by the naked eye but are very common. Typical options are to go with a soft or flexible termination version’s of MLCC’s. The other options are to follow some of the design and board layout options and recommendations at the TDK FAQ’s below.
White Paper FAQ: https://www.digikey.com/short/qc1z0m
Video FAQ: https://www.digikey.com/en/videos/t/tdk/tdk-tech-tube-flex-cracking