Abstract
The world is fundamentally changing , which leads to dramatic changes in opportunities and risks. In this regard, banks are facing three interrelated fundamental changes. First, the digital revolution has drastically increased the availability and use of data and the speed of decision-making. Second, technological innovation accelerates changes in the competitive and consumer environment in which banks operate. Finally, hyperconnection multiplies the speed of information flow and reshapes the way people think and act, influencing the nature of a bank's relationship with its customers and other stakeholders. The unprecedented speed of change and the high degree of uncertainty suggest the need to introduce different approaches to risk. For banks and other financial institutions, threats arise inside and out, ranging from inappropriate and illegal behavior by employees, to sophisticated cybercrime, trade wars and climate change. As a result, risk functions need to become more dynamic and flexible, they need to help guide institutions through a complex and changing environment of opportunities and risks, while meeting new expectations key actors - regulators, legislators, shareholders, customers (clients) and the community as a whole. The paper especially emphasizes the issue of fraud, various forms of financial crime in relation to cyber security.
Highlights
The world is fundamentally changing, which leads to dramatic changes in opportunities and risks
The paper especially emphasizes the issue of fraud, various forms of financial crime in relation to cyber security
Ovaj pogled postaje polazna tačka efikasnog i efektivnog upravljanja rizikom od prevara [3]
Summary
Prevare i finansijski kriminal prilagođavaju se razvoju u domenima koje pljačkaju. Pojavom digitalizacije i automatizacije finansijskih sistema, ova krivična dela postaju sve više elektronski sofisticirana i bezlična [4]. Napadi su otkrili da nestaju značajne razlike između sajber napada, prevara i finansijskog kriminala. Sajber bezbednost i potreba promene modela praćenja prevara i finansijskog kriminala (virusa). Ovi koraci će obezbediti potpunu, jasno razgraničenu pokrivenost ‒ poslovnim i preduzetničkim funkcijama (prva linija odbrane) i funkcijom rizika, uključujući finansijske kriminalne radnje, prevare i operacije sajber-bezbednosti (druga linija) ‒ istovremeno eliminišući dupliranje napora. Bilo da je preduzeta kao odgovor na prevaru, narušavanje ili napad na sajber bezbednost ili drugi finansijski kriminal, podržana je mnogim sličnim podacima i procesima. Za analizu su važna tri modela za rešavanje finansijskog kriminala, koji se odlikuju stepenom njihove integracije u procesima i operacijama za različite vrste krivičnih dela. Određivanje pokazatelja rizika korišćenjem zajednilkih ili sličnih podataka, kao što su finansijski, digitalni otisak i nedigitalni snimci. Zajednička povratna sprega za razvoj holističkog pogleda na načine rada i podsticanje razvoja slučajeva odozgo nadole
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