Kutyisidzira kweBusiness Fraud

Business fraud ndiwo chirwere chenyika yose inopinda mumaindasitiri ese uye inokanganisa makambani nevatengi pasi rese. Chirevo che2021 kuMarudzi neSangano reVanopihwa Certified Fraud Examiners (ACFE) vakawana kuti masangano anorasikirwa. 5% yemari yavo yegore negore to zvirongwa zvekubiridzira. Sezvo mabhizinesi ari kuwedzera kufamba pamhepo, nzira nyowani dzekubiridzira senge phishing scams, hutsotsi hweinvoice, kuba mari, uye CEO kubiridzira iye zvino kwikwidzana nehutsotsi hwemhando yepamusoro sehumbavha uye hutsotsi hwemuhoro.

ne Mabhiriyoni kurasika gore negore uye zviri pamutemo kukanganisa pamwe nekukuvadzwa kwemukurumbira, hapana bhizinesi rinogona kufuratira nyaya yekubiridzira. Tichatsanangura hutsotsi hwemabhizinesi, kutyora hutsotsi hukuru nezvidzidzo zvenyaya, kuratidza huwandu hunonetsa, uye nekupa mazano enyanzvi ekudzivirira chitsotsi nekuona. Zvishongedze neruzivo rwekusimbisa sangano rako kurwisa kutyisidzira kubva mukati nekunze.

1 kutyisidzira kwekubiridzira kwebhizinesi
2 bhizinesi kubiridzira
3 payroll systems

Kutsanangura Business Fraud

Iyo ACFE inotsanangura zvakanyanya kubiridzira pabasa se:

“Kushandiswa kwebasa romunhu kuzvipfumisa kupfurikidza nokusashandisa zvisizvo noune kana kuti kuba pfuma yomushandirwi kana kuti midziyo yake.”

Mienzaniso inosanganisira, asi haina kuganhurirwa kune:

  • Chiokomuhomwe
  • Payroll fraud
  • Tarisa kukanganisa
  • Skimming revenues
  • Ma invoice ekunyepa
  • Chitupa chakabiwa
  • Kugadzirisa chirevo chemari
  • Inventory kuba
  • Money laundering
  • Idzo kuba

Kunyangwe zvinokurudzira kuti sei vashandi nevekunze vachibira makambani zvichisiyana, chinangwa chekupedzisira chakanangana nekuwana mari isiri pamutemo chinobatanidza zviitiko zvese pamwechete. Mabhizinesi anofanirwa kungwarira njodzi dzakasiyana dzekubiridzira kubva kumativi ese.

Zvikuru Zvikuru

Nepo mamwe maindasitiri akaita semabhanga nehurumende achikwezva hutsotsi hwakawanda, iyo ACFE yakawana kutyisidzira kwepamusoro kumasangano akabatwa kunosanganisira:

  • Kusashandiswa kweasset (89% yemakesi): Vashandi vanobira zvinhu, vanoisa mari yekambani muhomwe kana kushandura zvinyorwa zvemari.
  • Uori (38%): Vatungamiri nevashandi vanotora chiokomuhomwe kubva kumasangano ekunze vachichinjana nemakondirakiti, data kana ruzivo rwemakwikwi.
  • Kubiridzira kwekutaura kwemari (10%): Kunyepa kwezvirevo zvemari, mishumo yepurofiti kana mashizha emari kuti aite kunge ane pundutso.

Kubiridzira kweCyber ​​​​kwakabudawo senzira itsva inotyisa yekubiridzira, ichikwira ne79% kubva 2018 pakati pemasangano akabatwa maererano neACFE. Kurwiswa kwePhishing, kubiwa kwedata uye hutsotsi hwepamhepo hwakaita ingangoita 1 mumatare mashanu ehutsotsi.

Mhando Huru dzeBusiness Fraud

Nepo kutyisidzira kuri kuramba kuchiitika, mhando dzehutsotsi dzinoverengeka dzinogara dzichitambudza makambani mumaindasitiri. Ngationgororei tsananguro dzavo, kushanda kwemukati uye mienzaniso yepasirese.

Accounting Fraud

Accounting fraud inoreva nemaune kushandiswa kwezvinyorwa zvemari zvinosanganisira kuwedzeredza kwemari, zvikwereti zvakavanzwa kana zvinhu zvakawedzerwa. Aya ma tweaks anobatsira makambani mukuita kubiridzira kwekuchengetedzwa, kuwana zvikwereti zvebhangi, kufadza vanoisa mari kana kukwidza mitengo yezvinhu.

Iyo Securities uye Exchange Commission (SEC) muchuchisi General Electric muna 2017 nekuda kweWidesspread Accounting Violations zvichikonzera chirango chemamiriyoni makumi mashanu emadhora. Nekuvanza zvikwereti zveinishuwarenzi, GM yakawana mibairo isiriyo mu50 uye 2002 kuti iite seine hutano mukati mekunetsekana kwemari.

Kudzivirira hutsotsi hune ngozi hwakadai, zvidzoreso zvemukati zvakaita semabhodhi ekuongorora matunhu akawanda kwekota anogona kuona chokwadi chekutaura kwemari pamwe nekuongorora kwekunze.

Kubiridzira Kubhadhara

Payroll fraud inoumba vashandi vachinyepera maawa anenge ashanda kana mari dzemihoro kana kugadzira vashandi vemanyepo nekuisa muhomwe dzavo. kubhadhara. A 2018 US department of Defense Audit yakawana hutsotsi hwakanyanya hwekubhadhara uye kushungurudzwa kwese $ Miriyoni 100 kupambadzwa pagore.

Matekiniki ekurwisa hutsotsi hwemihoro anosanganisira:

  • Inoda mvumo yemaneja pakuchinja kwemuhoro
  • Kugadzira mireza yakagadziridzwa uye zviziviso mukati mekubhadhara masisitimu kune zvikumbiro zvekufungidzira
  • Kuitisa kushamisika payroll audits
  • Kutarisa tsamba dzekuongorora basa
  • Kuongorora kwakarongwa maringe nekushandiswa kwemuhoro chaiwo
  • Kuenzanisa masiginecha evashandi pamapepa kuti aone zvinogona kuitika siginicha yekunyepedzera nyaya

Invoice Fraud

Nekubiridzirwa kwemainvoice, mabhizinesi anogamuchira ma invoice emanyepo achizviita vatengesi vari pamutemo kana kuratidza huwandu hwakawedzerwa kune vatengesi chaivo. Akabatwa off-guard accounting madhipatimendi tisingazivi bhadhara mabhiri ehutsotsi.

Shark Tank nyeredzi Barbara Corcoran yakarasika $388,000 kune chitsotsi chakadaro. Matsotsi anowanzo kutsveta-mainvoice emanyepo ePDF pakati pemaemail echokwadi kuti asaonekwe.

Kurwisa hutsotsi hwemainvoice kunosanganisira:

  • Kutarisa kuchinja kweinvoice yeminiti yekupedzisira maererano kana huwandu
  • Kuongorora ruzivo rwekubhadhara kwevatengesi kunochinja zvakananga kuburikidza nefoni
  • Kusimbisa ruzivo nemadhipatimendi ekunze anotarisira vamwe vatengesi

Vendor Fraud

Hutsotsi hwemutengesi hunosiyana nehutsotsi hwemainvoice hwakapihwa vatengesi chaivo vakatenderwa vanobira vatengi vavo nemaune kamwe muhukama hwebhizinesi. Matekiniki anogona kukwirisa kubhadharisa, kutsiviwa kwechigadzirwa, kuwandisa, kickbacks yezvibvumirano uye kusamiririra kwesevhisi.

Kambani yekuNigeria yeSade Telecoms yakabira chikoro chekuDubai kubva pamadhora mazana mana nesere ezviuru zvemadhora mune imwe nguva ichangoburwa yekubirira kwevatengesi kuburikidza nekunyengedza kubhadhara kwemagetsi.

Vendor vetting uye cheki dzekumashure pamwe nekuenderera mberi kwekutarisa kutengeserana zvinoumba maitiro akakosha ekurwisa hutsotsi hwevatengesi.

Money laundering

Kuita mari zvisiri pamutemo kunoita kuti mabhizinesi kana vanhu vakwanise kuvanza hupfumi husiri pamutemo kuburikidza nekutengeserana kwakaoma uye kuita kuti 'mari ine tsvina' iite seyakawanwa zviri pamutemo. Wachovia bank inozivikanwa yakabatsira kubvisa $380 bhiriyoni kumakambani ezvinodhaka eMexico kusati kwaitwa ongororo yakamanikidza kubhadhara faindi dzehurumende sechirango.

Anti-money laundering (AML) software, transaction monitoring uye Ziva Mutengi Wako (KYC) inotarisa zvese zvinobatsira pakuona nekudzivirira kubirwa. Mitemo yehurumende inogadzawo zvirongwa zve AML sezvinosungirwa kuti mabhanga nemamwe mabhizinesi achengete.

Phishing Attacks

Phishing inoumba hutsotsi hwedhijitari hwakanangana nekubira data rakavanzika senge kadhi rechikwereti uye Social Security ruzivo kana magwaro ekupinda mumaakaundi emakambani kuburikidza. fake emails kana mawebhusaiti. Kunyangwe makambani epamusoro-soro senge toymaker Mattel zvakanangwa.

Cybersecurity kudzidziswa inobatsira vashandi kuona phishing tsvuku mireza, nepo zvigadziriso zvehunyanzvi senge multi-factor authentication uye spam mafirita zvinowedzera dziviriro. Kuongorora kungangotyorwa data kunoramba kuchikosha zvakare sezvo zvitupa zvakabiwa zvichikwanisa kuwana mabhegi ekambani.

CEO Fraud

CEO hutsotsi, hunonziwo 'bhizinesi email compromise scams', hunosanganisira cybercriminals vachitevedzera vatungamiriri vemakambani semaCEO kana maCFO kutumira email kuvashandi vachida kubhadharwa nekukasira kumaakaundi ehutsotsi. Over $ 26 bhiriyoni yakarasika pasi rose kune hutsotsi hwakadai.

Mapoka epabasa anojekesa nzira dzekubhadhara uye mvumo yematare mazhinji emari yakakosha inogona kurwisa hutsotsi uhu. Cybersecurity misimboti senge email yekusimbisa zvakare inoderedza kutaurirana kwemanyepo.

4 kubvisa mari
5 mari
6 muongorori wehunhu

Inonetsa Statistics paBusiness Fraud

Pasi rose, masangano akajairika anorasikirwa 5% yemari kubirira gore negore kunosvika kumabhiriyoni ekurasikirwa. Dzimwe nhamba dzinokatyamadza dzinosanganisira:

  • Avhareji yemari yechirongwa chega chega chekubiridzira inomira pa $ Miriyoni 1.5 mukurasikirwa
  • 95% venyanzvi dzehutsotsi vakaongororwa vanoti kushaikwa kwezvinodzora mukati kunowedzera hutsotsi hwemabhizinesi
  • Iyo Association of Certified Fraud Examiners (ACFE) yakawanikwa pamusoro 75% yezviitiko zvekubiridzira kwemakambani zvakadzidzwa zvakatora mwedzi kana kupfuura kuti zvionekwe zvinokanganisa kudzivirira
  • Iyo Internet Crime Comlaint Center (IC3) yakashuma $ 4.1 bhiriyoni mukurasikirwa kune cybercrime inokanganisa mabhizinesi muna 2020

Data rakadaro rinoratidza kuti kubiridzira kunoramba kuri mapofu sei kune akawanda masangano. Mitemo yemukati milquetoast mukuchengetedza mari uye data zvinoda kuvandudzwa.

Nyanzvi Zano Rekudzivirira Kubiridzira kweBhizinesi

Nekukanganisa kwemari uye kutsungirira kuvimba kwevatengi kana hutsotsi hwapinda mukambani, nzira dzekudzivirira dzinofanira kushanda nesimba. Nyanzvi dzinokurudzira:

  • Shandisa Zvidzoreso Zvemukati Zvakasimba: Madhipatimendi akasiyana-siyana anoona nezvemari pamwe nemaitiro emvumo yekutengeserana ane akavakirwa-mukati ekuongorora zviitiko anodzora hutsotsi. Isai inosungirwa kushamisika maodhisheni nguva dzose zvakare.
  • Ita Yakawedzera Mutengesi & Kuongorora Kwevashandi: Cheki dzemashure dzinobatsira kudzivirira kudyidzana nevatengesi vehutsotsi apo vachifumura mushandi mireza mitsvuku panguva yekuhaya.
  • Ipa Dzidzo Yekubiridzira: Kuonekwa kwehutsotsi kwegore negore uye kudzidziswa kutevedzera mitemo kunoita kuti vashandi vese vagare vachivandudzwa pamitemo uye vakangwarira zviratidzo zveyambiro.
  • Nyatsoongorora Mafambisirwo Behavioral analytics maturusi anogona kuratidza otomatiki kusawirirana mumabhadharo data kana timesheets anoratidza hutsotsi. Nyanzvi dzinofanirwa kuongorora zviito zvakacherechedzwa.
  • Gadziridza Cybersecurity: Encrypt uye backup-up data nguva nenguva. Isa anti-phishing uye malware dziviriro padivi pemafirewall uye simbisa zvishandiso zvinoshandisa akaomarara akachengeteka mapassword.
  • Gadzira Whistleblower Hotline: Mazano asingazivikanwe uye akasimba ekuramba kutsiva anokurudzira vashandi kuti vataure fungidziro dzekubiridzira nekukurumidza munguva dzekutanga kurasikirwa kukuru kusati kwaitika.

Maziviro eNyanzvi paKurwisa Kutyisidzirwa kweKubiridzira kuri kuitika

Sezvo matsotsi anokura akanyanya kuoma uye vanobiridzira vachiwana nzira nyowani dzinobatsira tekinoroji senge mubhadharo chaiwo wekubiridzira, makambani anofanirwa kugadzirisa nzira dzekudzivirira uku achitevera hutsotsi huri kubuda hunofanirwa kugara huchiongororwa nekugadzira nzvimbo dzekubirira mukati mezvikamu zvadzo kuti dzigadzirise zvirongwa zvakasimba zvekubiridzira.

Zvimwe zvezviziviso zveindasitiri zvinosanganisira:

kubhengi: "[Masangano ezvemari] anofanirwa kugara achiongorora kushanda kwehurongwa hwavo hwekubiridzira vachipesana nemhando itsva dzekurwisa." - Shai Cohen, SVP Fraud Solutions kuRSA

Inishuwarenzi: "Njodzi dziri kubuda senge cryptocurrencies uye cyber fraud inoda inochinjika, yedata-yakatarisana nekubiridzira zano kugadzirisa kushomeka kwenhoroondo yekubiridzira." - Dennis Toomey, VP weCounter Fraud Technology paBAE Systems

Nezveutano: "Kubiridzira kutamira kumapuratifomu enharembozha panguva yedenda kunoreva kuti [vanopa uye vanobhadhara] vanozoda kutarisa nezvekuongorora kwemurwere uye kudzora terevhizheni kweterevhizheni ikozvino kupfuura nakare kose." -James Christiansen, VP weKubiridzira Kudzivirira paOptum

Matanho Ese Mabhizinesi Anofanirwa Kutora Pakarepo

Zvisinei nekusagadzikana kwekubiridzira kwekambani yako, kutevedzera nzira dzakanakisa dzekudzivirira hutsotsi zvinoumba nzira yekutanga yekudzivirira:

  • Ita nguva dzose kunze kuongororwa kwemari
  • gadza bhizinesi manejimendi software nekutevera chiitiko
  • Kuitisa zvakakwana kumashure kutarisa pavatengesi vese
  • Chengetedza zvakagadziridzwa mutemo wekubiridzira kwevashandi bhuku rine mienzaniso yakajeka yekusazvibata
  • Anodei kudzidziswa kwecybersecurity kune vese vashandi
  • Shandisa kusazivikanwa muridzo hotline
  • Simbisa zvakajeka kudzora mukati yezvisarudzo zvemari pamwe chete nemadhipatimendi mazhinji kutarisana nokuda kwekutengeserana kukuru
  • Screen invoice zvakanyanya isati yabvumirwa kubhadhara

Rangarira - kugona kwekutonga njodzi kunopatsanura mabhizinesi ane hunyengeri kubva kune ari kunyura muhutsotsi hwemari. Kudzivirirwa kwakasimba zvakare kunodhura makambani zvishoma pane mushure mekubiridzira chiitiko mhinduro uye kudzoreredza.

Mhedziso: Takabatana Isu Tinomira, Takaparadzaniswa Tinodonha

Muzera umo matsotsi ari pakati nepakati pepasi rose anogona kuburitsa mari yekambani chinyararire kana kuti vatungamiriri vane vavariro yakaipa vanotaura nezvezvemari, kutyisidzira kwechitsotsi kuzere kubva kumativi ese. Mamodheru matsva ebasa ari kuunza vashandi vari kure uye kunze-saiti makondirakiti anowedzera kuvharika pachena.

Asi kushandira pamwe kunomiririra chombo chekupedzisira chekubiridzira. Sezvo makambani ane tsika anoshandisa kudzora kwemukati kwakaturikidzana uku masangano ehurumende achiwedzera kugovana ruzivo uye kuferefeta kwehutsotsi pamwe chete nevanodyidzana nepasirese, nguva yekubiridzira kwebhizinesi kwakatekeshera yasvika kumagumo. Zviyamuro zvetekinoroji zvakaita sehungwaru hwekugadzira (AI) uye kudzidza muchina mukuona zviitiko zvezvemari zvinofungirwa zvinobatsirawo kudzikamisa hutsotsi kare kupfuura nakare kose.

Zvakadaro, makambani anofanirwa kuramba akangwarira maererano nekubuda kwehutsotsi, kuvhara mapofu mukati mezvirongwa zvemukati uye kukurudzira tsika inonangana nekuteedzera pamatanho ese kugadzirisa njodzi dzemazuva ano dzekubiridzira. Nekutarisa nekushingirira, tinogona kukunda dambudziko rekubiridzira - kambani imwe panguva.

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