Chinyengo cha bizinesi ndi mliri wapadziko lonse kufalikira m'makampani onse ndikukhudza makampani ndi ogula padziko lonse lapansi. Lipoti la 2021 ku Nations la Association of Certified Fraud Examiners (ACFE) linapeza kuti mabungwe amataya 5% ya ndalama zawo zapachaka ku ziwembu zachinyengo. Pamene mabizinesi akuchulukirachulukira pa intaneti, njira zatsopano zachinyengo monga chinyengo chachinyengo, chinyengo cha invoice, kubera ndalama, ndi Chinyengo cha CEO tsopano amalimbana ndi chinyengo chapamwamba monga kubera ndi chinyengo cha malipiro.

ndi mabiliyoni kutayika chaka chilichonse ndi mwalamulo zotsatira pamodzi ndi kuwonongeka kwa mbiri, palibe bizinesi yomwe inganyalanyaze nkhani yachinyengo. Tidzafotokozera zachinyengo zamabizinesi, tidzathetsa chinyengo chamitundu ikuluikulu pogwiritsa ntchito kafukufuku, kuwonetsa ziwerengero zovuta, ndikupereka malangizo a akatswiri opewera ndi kuzindikira zachinyengo. Khalani ndi chidziwitso cholimbitsa gulu lanu motsutsana ndi ziwopsezo zamkati ndi kunja.

Kufotokozera Zachinyengo Zamalonda

ACFE imatanthauzira momveka bwino chinyengo pantchito monga:

“Kugwiritsiridwa ntchito kwa ntchito ya munthu kudzilemeretsa mwa kugwiritsira ntchito molakwa mwadala kapena kuba zinthu kapena katundu wa bwanayo.”

Zitsanzo zikuphatikiza, koma sizimangokhala:

Ziphuphu
Chinyengo cha malipiro
cheke kusokoneza
Kuchepetsa ndalama
Ma invoice abodza
Kuba
Kusokoneza ndondomeko ya ndalama
Kubera zinthu
Kusamba ndalama
Kuba

Ngakhale zifukwa zomwe ogwira ntchito ndi anthu akunja amachitira chinyengo zimasiyana, cholinga chomaliza chimayang'ana phindu lazachuma losaloledwa limagwirizanitsa zochitika zonse pamodzi. Mabizinesi akuyenera kusamala ku zoopsa zosiyanasiyana zachinyengo zochokera kumbali zonse.

Zowopsa Kwambiri

Ngakhale mafakitale ena monga mabanki ndi boma amakopa zachinyengo zambiri, ACFE idapeza ziwopsezo zazikulu m'mabungwe omwe akukhudzidwa ndi izi:

Kuwononga katundu (89% yamilandu): Ogwira ntchito akubera katundu, kuyika ndalama zakampani kapena kuwongolera malipoti azachuma.
Ziphuphu (38%): Otsogolera ndi ogwira ntchito amalandira ziphuphu kuchokera kumabungwe akunja posinthana ndi makontrakitala, deta kapena chidziwitso champikisano.
Chinyengo chandalama (10%): Kunama kwa ziganizo za ndalama, malipoti a phindu kapena ma sheet kuti awoneke ngati opindulitsa kwambiri.

Chinyengo cha pa intaneti chawonekeranso ngati njira yatsopano yachinyengo, yowonjezereka ndi 79% kuyambira 2018 pakati pa mabungwe omwe akuzunzidwa malinga ndi ACFE. Ziwawa zachinyengo, kuba deta komanso zachinyengo zapaintaneti zimachititsa pafupifupi munthu mmodzi pa milandu 1 yachinyengo.

Mitundu Yaikulu Yachinyengo Mabizinesi

Ngakhale kuti chiwopsezo chikupitilirabe, mitundu ingapo yazachinyengo imavutitsa makampani m'mafakitale ambiri. Tiyeni tione matanthauzo awo, ntchito zamkati ndi zitsanzo zenizeni.

Chinyengo cha Accounting

Chinyengo chowerengera ndalama chimatanthawuza dala kusokoneza ndondomeko ya ndalama kuphatikiza kuchulukitsidwa kwa ndalama, ngongole zobisika kapena katundu wokwezeka. Ma tweaks awa amathandizira makampani kuchitapo kanthu Zachinyengo pazachitetezo, kupeza ngongole kubanki, kukopa osunga ndalama kapena kukwera mitengo ya zinthu.

Securities and Exchange Commission (SEC) kuzengedwa mlandu General Electric mu 2017 chifukwa cha Kuphwanya Maakaunti Ambiri komwe kumabweretsa chilango cha $ 50 miliyoni. Pobisa ngongole za inshuwaransi, ndalama za GM zomwe zidasokonekera mu 2002 ndi 2003 kuti ziwonekere zathanzi mkati mwamavuto azachuma.

Pofuna kupewa chinyengo chowopsa chotere, maulamuliro amkati monga ma board owunika amitundu yambiri a kotala amatha kutsimikizira kuti zidziwitso zandalama zili zolondola pamodzi ndi kafukufuku wakunja.

Chinyengo Chamalipiro

Chinyengo chamalipiro chimaphatikizapo antchito kunamizira maola ogwirira ntchito kapena kuchuluka kwa malipiro kapena kupanga antchito abodza ndikuwayika m'thumba. zolipira. A 2018 US Department of Defense Audit idapeza chinyengo chambiri komanso nkhanza zomwe anthu amalipira $ Miliyoni 100 kuonongeka chaka ndi chaka.

Njira zothana ndi chinyengo cha malipiro ndi:

Kufuna chivomerezo cha manejala pakusintha kwa malipiro
Kukonza mbendera ndi zidziwitso zosinthidwa mwamakonda mkati mwa makina olipira pazofunsira zokayikitsa
Kuchita kafukufuku wodabwitsa wa payroll
Kuyang'ana makalata otsimikizira ntchito
Kuyang'anira zomwe zakonzedwa motsutsana ndi ndalama zenizeni za malipiro
Kufananiza siginecha ya ogwira ntchito pamapepala kuti muwone zomwe zingatheke siginecha zabodza milandu

Chinyengo cha Invoice

Ndi chinyengo cha ma invoice, mabizinesi amalandila ma invoice abodza odzionetsera ngati mavenda ovomerezeka kapena kuwonetsa ndalama zokwezeka kwa mavenda enieni. Anagwidwa m'madipatimenti owerengera ndalama mosadziwa kulipira ngongole zachinyengo.

Nyenyezi ya Shark Tank Barbara Corcoran adataya $388,000 ku chinyengo chotere. Achinyengo nthawi zambiri amalowetsa ma invoice abodza a PDF mkati mwa maimelo ambiri otsimikizika kuti asawonekere.

Kulimbana ndi chinyengo cha ma invoice kumaphatikizapo:

Kuyang'ana kusintha kwa ma invoice amphindi yomaliza pamawu kapena kuchuluka kwake
Kutsimikizira zambiri zamalipiro a ogulitsa kumasintha mwachindunji kudzera pafoni
Kutsimikizira zambiri ndi madipatimenti akunja omwe amayang'anira ogulitsa ena

Chinyengo kwa ogulitsa

Chinyengo cha mavenda chimasiyana ndi chinyengo cha ma invoice pomwe mavenda ovomerezeka amabera dala makasitomala awo atangochita bizinesi. Machenjerero amatha kuchulukirachulukira, kusinthanitsa zinthu, kubweza mopitilira muyeso, kubweza ngongole zamakontrakitala ndi kuyimitsira molakwika ntchito.

Kampani yaku Nigeria ya Sade Telecoms inabera sukulu ya ku Dubai ndalama zokwana madola 408,000 pamwambo wina wachinyengo waposachedwa wa mavenda mwachinyengo cholipira pakompyuta.

Vendor vetting ndi kuyang'ana m'mbuyo ndi kuyang'anira zochitika zomwe zikuchitika nthawi zonse ndi njira zofunika kwambiri zothana ndi chinyengo cha mavenda.

Kusamba kwa Ndalama

Kubera ndalama kumathandizira mabizinesi kapena anthu kubisa chuma chawo molakwika kudzera muzochita zovuta ndikupangitsa kuti 'ndalama zonyansa' ziwoneke ngati zapezedwa movomerezeka. Wachovia bank yodziwika bwino adathandizira kuwononga $380 biliyoni kwa ogulitsa mankhwala osokoneza bongo aku Mexico asanafufuze adakakamiza kuti alipire chindapusa chachikulu chaboma ngati chilango.

Pulogalamu ya Anti-Money Laundering (AML)., kuyang'anira zochitika ndi Know Your Customer (KYC) imayang'ana zonse zothandizira kuti zizindikire ndi kupewa kuba. Malamulo aboma amakhazikitsanso mapulogalamu a AML ngati ovomerezeka kuti mabanki ndi mabizinesi ena azitsatira.

Kuchita Zachiwembu

Phishing ndi chinyengo cha digito chomwe cholinga chake ndikubera zidziwitso zodziwika bwino monga kirediti kadi ndi zidziwitso zachitetezo cha Social Security kapena mbiri yolowera muakaunti yamakampani kudzera. maimelo abodza kapena mawebusayiti. Ngakhale makampani apamwamba ngati osewera Mattel akhala akulimbana.

Maphunziro a Cybersecurity zimathandiza ogwira ntchito kuzindikira mbendera zofiira zachinyengo, pomwe kukonza zaukadaulo monga kutsimikizira pazinthu zambiri ndi zosefera za spam zimawonjezera chitetezo. Kuyang'anira kuphwanya kuphwanya kwa data kumakhalabe kofunika kwambiri chifukwa mbiri yabedwa imatha kupeza ndalama zamakampani.

CEO Fraud

Chinyengo cha CEO, chomwe chimatchedwanso 'chinyengo cha imelo cha bizinesi', chimakhudzanso zigawenga zapaintaneti potengera atsogoleri amakampani monga ma CEO kapena CFOs kutumiza maimelo ogwira ntchito omwe akufuna kuti alipidwe mwachangu kumaakaunti achinyengo. Zatha $ Biliyoni 26 watayika padziko lonse chifukwa cha chinyengo choterocho.

Ndondomeko zapantchito zokhazikitsa bwino njira zolipirira komanso kuvomereza kwamadipatimenti ambiri kuti apeze ndalama zambiri zitha kuthana ndi chinyengo ichi. Mfundo zachitetezo cha cybersecurity monga kutsimikizira maimelo zimachepetsanso kulumikizana kwachinyengo.

Ziwerengero Zovuta pa Zachinyengo Zamalonda

Padziko lonse, mabungwe wamba amataya 5% ya ndalama zachinyengo chaka chilichonse zomwe zimawononga mathililiyoni. Ziwerengero zododometsa zikuphatikizapo:

Mtengo wapakati pa chiwembu chilichonse chachinyengo chamakampani ndi $ Miliyoni 1.5 mu zotayika
95% akatswiri a zachinyengo omwe anafunsidwa akuti kusowa kwa njira zowongolera mkati kumakulitsa chinyengo cha bizinesi
Association of Certified Fraud Examiners (ACFE) idapezeka 75% zachinyengo zamakampani zomwe zidafufuzidwa zidatenga miyezi ingapo kapena kupitilira apo kuti azindikire zolakwika zomwe zikuwonetsa kupewa
The Internet Crime Complaint Center (IC3) idatero $ Biliyoni 4.1 pakuwonongeka kwa cybercrime yomwe imakhudza mabizinesi mu 2020

Deta yotereyi ikuwonetsa momwe chinyengo chimakhalirabe malo osawonekera kwa mabungwe ambiri. Ndondomeko zamkati milquetoast poteteza ndalama ndi deta zimafunika kukonzanso.

Upangiri Waukatswiri Wopewa Chinyengo pa Bizinesi

Pokhala ndi zovuta zachuma komanso kudalirika kwamakasitomala chinyengo chikalowa mukampani, njira zopewera zikuyenera kukhala zamphamvu. Akatswiri amalangiza:

Tsatirani Ulamuliro Wamphamvu Wamkati: Kuyang'anira kwazachuma kumagawo angapo kuphatikiza njira zovomerezera zomwe zikuchitika ndikuwunika zochitika zomwe zakhazikitsidwa zimawongolera chiwopsezo chachinyengo. Pangani zowerengera zovomerezeka modzidzimutsa pafupipafupinso.
Pangani Kuwunika Kwakukulu kwa Wogulitsa & Wogwira Ntchito: Kufufuza zakumbuyo kumathandizira kupewa kuyanjana ndi ogulitsa achinyengo pomwe amawulula mbendera zofiira za antchito komanso panthawi yolemba ganyu.
Perekani Maphunziro a Chinyengo: Kuzindikira zachinyengo chaka ndi chaka komanso maphunziro oti azitsatira kumapangitsa kuti ogwira ntchito onse azikhala odziwa bwino mfundo komanso kukhala tcheru ndi zizindikiro zochenjeza.
Yang'anirani Mwatcheru Zochita: Zida zowerengera zamayendedwe zimatha kuwonetsa zolakwika mu data yamalipiro kapena ndandanda yowonetsa zachinyengo. Akatswiri amayenera kuyang'anitsitsa zochita zomwe zaperekedwa.
Kusintha Cybersecurity: Sungani ndi kusunga deta nthawi zonse. Ikani chitetezo chotsutsana ndi phishing ndi pulogalamu yaumbanda pambali pa zozimitsa moto ndikutsimikizira kuti zida zimagwiritsa ntchito mawu achinsinsi otetezeka.
Pangani Whistleblower Hotline: Malangizo osadziwika bwino komanso malingaliro oletsa kubwezera amalimbikitsa ogwira ntchito kuti afotokoze zomwe akukayikira zachinyengo atangotsala pang'ono kutaya kwambiri.

Kuzindikira Kwaukatswiri Pakuthana ndi Ziwopsezo Zachinyengo Zomwe Zikuchitika

Pamene obera akuchulukirachulukira ndipo azanyengo amapeza njira zatsopano zothandizira ukadaulo ngati ndalama zomwe zatsala pang'ono kugwiritsidwa ntchito, makampani amayenera kusintha njira zopewera pomwe akutsata chinyengo chomwe chikubwera sayenera kuyesedwa kuti akupanga chinyengo m'magawo awo kuti athe kukonza mapulogalamu othana ndi chinyengo.

Zidziwitso zina zamakampani ndi izi:

Kubanki: "[Mabungwe azandalama] amayenera kuyang'anitsitsa nthawi zonse momwe machitidwe awo achinyengo amagwirira ntchito motsutsana ndi mitundu yatsopano ndi yomwe ikubwera." - Shai Cohen, SVP Fraud Solutions ku RSA

Inshuwaransi: "Zowopsa zomwe zikubwera monga ma cryptocurrencies ndi chinyengo cha pa intaneti zimafunikira njira yachinyengo yokhazikika yothana ndi kusowa kwa mbiri yakale yachinyengo." - Dennis Toomey, Wachiwiri kwa Wachiwiri kwa Counter Fraud Technology ku BAE Systems

Chisamaliro chamoyo: "Kusamuka kwachinyengo kumapulatifomu a telehealth panthawi ya mliriwu kumatanthauza kuti [opereka chithandizo ndi olipira] aziyang'ana kwambiri pakutsimikizira odwala komanso kuwongolera zovomerezeka pawailesi yakanema kuposa kale." - James Christiansen, Wachiwiri kwa Wachiwiri kwa Kupewa Chinyengo ku Optum

Njira Zomwe Mabizinesi Onse Ayenera Kuchita Pompopompo

Mosasamala kanthu za chiwopsezo cha kampani yanu, kutsatira njira zabwino zopewera chinyengo ndi njira yoyamba yodzitetezera:

Kuchita kawirikawiri kunja kafukufuku wa zachuma
Sakani mapulogalamu oyang'anira bizinesi ndi kutsatira zochita
Chitani bwino kufufuza kumbuyo pa ogulitsa onse
Sungani zosinthidwa ndondomeko yachinyengo ya antchito Buku lokhala ndi zitsanzo zomveka bwino za khalidwe loipa
Amafuna maphunziro a cybersecurity kwa antchito onse
Kukhazikitsa zosadziwika hotline ya whistleblower
Tsimikizirani momveka bwino zowongolera zamkati pazosankha zachuma pamodzi ndi mabungwe ambiri kuyang'anira pazochita zazikulu
Screen invoice kwambiri isanavomerezedwe kulipira

Kumbukirani - kuchita bwino kwambiri pakuwongolera zoopsa kumalekanitsa mabizinesi odziwa zachinyengo ndi omwe akumira muupandu wazachuma. Kupewa mwachangu kumawonongeranso makampani ndalama zocheperako poyerekeza ndi zomwe zachitika pambuyo pa chinyengo komanso kuchira.

Kutsiliza: Ogwirizana Ife Timayima, Ogawanika Timagwa

M'nthawi yomwe anthu achiwembu omwe ali pakati pa dziko lonse lapansi amatha kuba ndalama zamakampani mwakachetechete kapena akuluakulu abizinesi anena zabodza zazachuma, ziwopsezo zachinyengo zikufalikira mbali zonse. Mitundu yatsopano yantchito yobweretsera antchito akutali ndi makontrakitala omwe alibe malo amabisanso kuwonekera.

Komabe mgwirizano ukuimira chida chachikulu chothana ndi chinyengo. Pamene makampani amakhalidwe abwino akugwiritsa ntchito njira zowongolera zamkati pomwe mabungwe aboma akuwonjezera kugawana zidziwitso ndikufufuza zachinyengo limodzi ndi ogwirizana padziko lonse lapansi, nthawi yazachinyengo zamabizinesi yatsala pang'ono kutha. Zothandizira zaukadaulo monga luntha lokuchita kupanga (AI) ndi kuphunzira pamakina powona zochitika zachuma zokayikitsa zimathandizanso kuchepetsa chinyengo kuposa kale.

Komabe, makampani akuyenera kukhala tcheru pakusintha njira zachinyengo, kutsekereza mfundo zamkati ndikulimbikitsa chikhalidwe chokhazikika pamagawo onse kuti athe kuthana ndi ngozi zachinyengo zomwe zachitika masiku ano. Ndi kuyang'anitsitsa ndi kulimbikira, tikhoza kugonjetsa mliri wachinyengo - kampani imodzi panthawi.

Chiwopsezo cha Chinyengo cha Bizinesi