Management von operationellen Risiken in Kreditinstituten (German Edition)


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Supervision

Add to cart. Identifikation - Quantifizierung - Steuerung operationeller Risiken , Abstract: Die operationellen Risiken existieren nicht erst seit kurzer Zeit, sondern sie gehoren zu den altesten Risiken uberhaupt. Bedingt durch die fortschreitende Automatisierung kritischer Geschaftsprozesse, die standige Verkurzung von Bearbeitungszyklen und die steigende Komplexitat von Transaktionen haben operationelle Risiken in den letzten Jahren deutlich an Bedeutung gewonnen. Spektakulare Zusammenbruche und Unternehmenskrisen der letzten Jahre z.

Barings, Daiwa u. Aufgrund der komplexen Charakteristik operationeller Risiken, erweist sich ihre Identifikation, Messung und Steuerung jedoch als schwierig.


  • ISBN 13: 9783834904478.
  • Nachschlagen und Recherchieren (German Edition);
  • Illustration of Toxic Combination!
  • Management Von Operationellen Risiken in Kreditinstituten (German, Paperback).
  • Basel Committee - Operational risk in German.
  • The Blood Knows.
  • Current Research in Ophthalmic Electron Microscopy.

Dennoch ist es fur eine ertragsorientierte Steuerung von Kreditinstituten erforderlich, diese Risiken zu beherrschen, um kostenintensive Risikoquellen zu eliminieren und gleichzeitig fur eine verbesserte Wettbewerbsposition der Bank zu sorgen. Anschliessend erfolgt eine Definition und Kategorisierung des operationellen Risikos. Im dritten Kapital dieser Arbeit wird auf die Zielsetzung, den Ablauf und die rechtlichen Rahmenbedingungen eines Risikomanagementsystems eingegangen und kurz die Notwendigkeit eines operat. Review This Product No reviews yet - be the first to create one! Need help?

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BaFin - Verordnungen - Holder Control Regulation

A activation email has been sent to you. Their sensitivity varies from case to case, depending on the kind and amount of data, the application used to manage the data and the requirements towards the data such as the outsourcing relationship. To find a universally applicable rulebase is very difficult because it depends heavily on environment and the way the data is treated.

A violation of confidentiality of CID has occurred when CID has been exposed to unauthorized persons, regardless of whether they are team members of people from outside the company. Most accidental violations of confidentiality of CID happen because team members are not aware of the proper treatment of CID. A term to note here are lack of risk awareness. A toxic combination is the combination of data that allows for identification of clients in Switzerland by foreign interest parties that exploit insufficient or missing access controls or errors in processes.

Strict and adequate division of CID is most likely the best way to ensure that users have no way of determining the identity of clients. Toxic Combinations are highly likely to pose a challenge in the near future of regulations of financial institutes while said regulations will keep to become tighter. There are first concepts on the horizon that deal with Toxic Combinations but the diversity, complexity of systems and environments as well as the factors of outsourcing and offshoring and the processes associated with all these things makes a pragmatic and risk based implementation difficult.

On the other hand, these challenges could be used for a general overhaul of organizational and technological measures of protection. This could be a solid base for the adjustment of the business model as well as the processes.

During the conceptual planning of the implementation of the Finma circular there need to be presets set and aspects respected. The requirements should permeate all levels of hierarchy of a financial institute and should be addressed from the top down. The following overview is a possible and simplistic structure of the subjects that are to be dealt with:. The Finma circular demonstrates that the client-bank confidentiality will get better protection against external data theft if the circular is being observed.

It is, however, only a guide and not a law.

Ein Steuerungsmodell für das Management von IV-Sicherheitsrisiken bei Kreditinstituten

Despite the fact that the circulars are not legally binding, financial auditors are required to check banks for the adherence to the circulars. Therefore, the circulars have great impact on the operations of a financial institute. This includes enforcement that carries decisive power when court proceedings need judgment. Considering the point at which the bank industry is currently at, it seems even more appropriate that banks change their paradigms to meet the guidelines the circular sets in terms of protection of CID. It is known that adapting to the guidelines is hard on resources and so is maintaining them on a day-to-day basis.

They often underestimate the complexity and act too lightly around this critical topic. Flavio Gerbino has been in information security since the late s. His main areas of expertise in cybersecurity are the organizational and conceptual security of a company. Company Offense Defense Research.

Client Identifying Data Regarding client identifying data CID , the rulings of the circular are more detailed than when it concerns other risk areas. Definition: Client Identifying Data CID is information that allows the identification of a client or his relation to a financial institute. Some rules can be applied, though: Impersonal identifiers should never be show in a client context Data may be transferred cross border Watch out for toxic combinations : Combining one or more data points might lead to a pattern that allows for the identification of the client.

Zusammenfassung

The combinations and the possibility of them occurring must be investigated on a case to case basis A violation of confidentiality of CID has occurred when CID has been exposed to unauthorized persons, regardless of whether they are team members of people from outside the company. Violation of confidentiality can carry big risks. Among them are: Reputational damage for the financial institute Loss of clients or assets Legal measures concerning the financial institute Cost of court Payment of damages Disciplinary measures such as loss of job or prison sentences for those responsible Challenges of Toxic Combinations A toxic combination is the combination of data that allows for identification of clients in Switzerland by foreign interest parties that exploit insufficient or missing access controls or errors in processes.

Illustration of Toxic Combination Strict and adequate division of CID is most likely the best way to ensure that users have no way of determining the identity of clients. Clarity concerning the requirements on creation Which CID is stored in which applications?

Management Operationeller Risiken in Kreditinstituten

Need to Know Closer definition of Need to Know under the aspect of roles Closer definition of Need to Know under the aspect of functions Pay attention to Toxic Combinations Pay attention to other subject matters Bulk Customer Data Treatment by team members Treatment by partners Outsourcing Service provider Aspects of Cross Border The requirements should permeate all levels of hierarchy of a financial institute and should be addressed from the top down. This catalogue needs to be organized by risk potential.

In addition to that, the catalogue needs to be in harmony with pre-existing data classifications Relevant Forms of Data Revelation : Accessing or transferring the CID that fall under bank-client privilege can be done in different ways: E-Mail Data transfer Fax Portable memory Orally In writing Ruling : These methods must be regulated: Viewing by remote access such as online access to databases or applications Access by IT administrators Access by non-IT administrators Follow the Sun aspects Other aspects Protection of client data : Client data must be protected during its entire lifetime by adequate organizational and technological measures of security at all times.

It needs to be protected against unauthorized revelation and use: Access concept and controls according to need to know and need to have principles and processes in order to ensure correct issuing and use of access rights Limiting electronic access to client data Limiting physical access to client data Disposal of client data that are not legally prohibited from being destroyed or are not bound to a law of conservation Implementation of confidentiality and security standards for external service providers that access client data and use it in any capacity, including the application of an adequate due diligence as well as surveillance of external service providers Need to Know and Need to Have for Legitimate Business Purposes : In order to implement the need to know principle, all access rights, excluding roles and functions, need to be assigned due to function.

Management von operationellen Risiken in Kreditinstituten (German Edition) Management von operationellen Risiken in Kreditinstituten (German Edition)
Management von operationellen Risiken in Kreditinstituten (German Edition) Management von operationellen Risiken in Kreditinstituten (German Edition)
Management von operationellen Risiken in Kreditinstituten (German Edition) Management von operationellen Risiken in Kreditinstituten (German Edition)
Management von operationellen Risiken in Kreditinstituten (German Edition) Management von operationellen Risiken in Kreditinstituten (German Edition)
Management von operationellen Risiken in Kreditinstituten (German Edition) Management von operationellen Risiken in Kreditinstituten (German Edition)
Management von operationellen Risiken in Kreditinstituten (German Edition) Management von operationellen Risiken in Kreditinstituten (German Edition)
Management von operationellen Risiken in Kreditinstituten (German Edition) Management von operationellen Risiken in Kreditinstituten (German Edition)
Management von operationellen Risiken in Kreditinstituten (German Edition) Management von operationellen Risiken in Kreditinstituten (German Edition)

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