Tšokelo ea Bomenemene ba Khoebo

Bomenemene ba khoebo ke sewa sa lefatshe lohle e kenella indastering e 'ngoe le e' ngoe mme e ama lik'hamphani le bareki lefatšeng ka bophara. Tlaleho ea 2021 ho Lichaba ka Mokhatlo oa Bahlahlobi ba Bolotsana ba Pakiloeng (ACFE) e fumane hore mekhatlo e lahleheloa ke 5% ea chelete ea bona ea selemo le selemo ho maano a bomenemene. Ha likhoebo li ntse li tsoela pele ho kena marang-rang, maqheka a macha a bomenemene joalo ka boqhekanyetsi ba phishing, bosholu ba li-invoice, bosholu ba chelete, le CEO bomenemene hona joale ho qothisana lehlokoa le bomenemene ba khale bo kang bosholu le bomenemene ba meputso.

le ba limilione tse likete lahleheloa selemo le selemo le semolao litšusumetso hammoho le ho senya botumo, ha ho khoebo e ka iphapanyetsang taba ea bomenemene. Re tla hlalosa bomenemene khoebong, re felise mefuta e meholo ea bomenemene ka liphuputso, re bontše lipalo-palo tse tšoenyang, le ho fana ka malebela a litsebi tsa ho thibela le ho lemoha bomenemene. Itlhomelle ka tlhahisoleseling ho matlafatsa mokhatlo oa hau khahlano le litšokelo tse tsoang kahare le kantle.

1 tšoso ea bomenemene khoebong
2 bomenemene ba khoebo
Litsamaiso tse 3 tsa tefo

Ho hlalosa Bomenemene ba Khoebo

ACFE e hlalosa ka ho pharaletseng bomenemene ba mosebetsi joaloka:

“Ho sebelisa mosebetsi oa hae molemong oa ho ithuisa ka ho sebelisa hampe ka boomo kapa ho utsoa thepa kapa thepa ea mohiri.”

Mehlala e kenyelletsa, empa ha e felle feela ho:

  • Tjotjo
  • Bomenemene ba meputso
  • Sheba ho senyeha
  • Chelete e kenang
  • Li-invoice tsa barekisi ba fake
  • Bosholu ba boitsebiso
  • Ho qhekella tlaleho ea lichelete
  • Bosholu ba thepa
  • Phokotso ea chelete
  • Bosholu ba data

Le hoja mabaka a hore na ke hobane'ng ha basebetsi le batho ba ka ntle ba etsa bomenemene ba khoebo a fapane, sepheo se lebisitse ho phaello e seng molaong ea lichelete e kopanya maemo 'ohle. Likhoebo li tlameha ho itebela khahlanong le likotsi tse fapaneng tsa bomenemene ho tsoa mahlakoreng 'ohle.

Litšokelo Tse Kholo

Leha liindasteri tse ling tse kang libanka le mmuso li hohela bosholu bo bongata, ACFE e fumane litšokelo tse holimo ho mekhatlo eohle ea mahlatsipa li kenyelletsa:

  • Tšebeliso e mpe ea thepa (89% ea linyeoe): Basebetsi ba utsoa, ​​​​ho kenya chelete ea k'hamphani ka pokothong kapa ho qhekella litlaleho tsa lichelete.
  • Bobolu (38%): Batsamaisi le basebetsi ba nkang tjotjo ho tsoa mekhatlong e kantle e le phapanyetsano bakeng sa likonteraka, lintlha kapa lintlha tsa tlholisano.
  • Bomenemene ba tlaleho ea lichelete (10%): Ho qhekella ha litlaleho tsa chelete, litlaleho tsa phaello kapa li-balance sheets ho bonahala ho na le phaello e ngata.

Bosholu ba marang-rang bo boetse bo hlahile e le mokhoa o mocha oa bomenemene, o nyolohang ka 79% ho tloha 2018 har'a mekhatlo ea mahlatsipa ho latela ACFE. Litlhaselo tsa bosholu, bosholu ba data le bomenemene ba marang-rang li bakile hoo e batlang e le nyeoe e le 'ngoe ho tse 1 tsa bomenemene.

Mefuta e Meholo ea Bomenemene ba Khoebo

Le ha maemo a ts'okelo a ntse a tsoela pele ho fetoha, mefuta e mengata ea bosholu e lula e hlasela lik'hamphani ho pholletsa le liindasteri. A re hlahlobeng litlhaloso tsa bona, tšebetso ea ka hare le mehlala ea sebele ea lefatše.

Bomenemene ba Lichelete

Bomenemene ba lichelete bo bolela ka boomo ho qhekella litlaleho tsa lichelete e kenyelletsang ho fetella ha lekeno, mekoloto e patiloeng kapa matlotlo a phahameng haholo. Li-tweaks tsena li thusa lik'hamphani ho itlama bosholu ba lichelete, ho fumana likalimo tsa banka, ho khahlisa bo-ramatsete kapa ho phahamisa litheko tsa setoko.

The Securities and Exchange Commission (SEC) qosoa Kakaretso ea Motlakase ka 2017 bakeng sa Tlōlo ea Lichelete e Atileng e Atileng e fellang ka kotlo ea $ 50 milione. Ka ho pata melato ea inshorense, meputso ea GM ka 2002 le 2003 e bonahala e phetse hantle har'a mathata a lichelete.

Ho thibela bomenemene bo kotsi joalo, litsamaiso tsa ka hare joalo ka liboto tsa tlhahlobo ea kotara ea mafapha a mangata li ka netefatsa ho nepahala ha setatemente sa lichelete hammoho le liphuputso tsa kantle.

Bosholu ba Meputso

Ho qhekella ha meputso ke basebetsi ba qhekellang lihora tseo ba li sebelitseng kapa chelete ea meputso kapa ho theha basebetsi bao e seng ba nnete le ho kenya chelete ea bona. litefo. Lefapha la Tšireletso la Lefapha la Tšireletso la 2018 la United States le fumane bomenemene bo jele setsi le tlhekefetso $ Limilione tse 100 senyehile selemo le selemo.

Maqheka a ho loantša bosholu ba meputso a kenyeletsa:

  • E hloka tumello ea mookameli bakeng sa liphetoho tsa meputso
  • Ho hlophisa lifolakha le litsebiso ka har'a sistimi ea meputso bakeng sa likopo tse belaetsang
  • Ho etsa liphuputso tsa meputso e makatsang
  • Ho hlahloba mangolo a netefatso ea mosebetsi
  • Tlhokomelo e reriloeng khahlano le litšenyehelo tsa 'nete tsa meputso
  • Ho bapisa mesaeno ea basebetsi lipampiring ho bona bokhoni tekeno ea linyeoe tsa bofora

Invoice Fraud

Ka bomenemene ka li-invoice, likhoebo li fumana li-invoice tsa bohata tse iketsang eka ke barekisi ba molaong kapa tse bontšang chelete e nyolohileng bakeng sa barekisi ba sebele. Mafapha a accounting a sa lebelloang a sa hlokomele lefa likoloto tsa bolotsana.

Naleli ea Shark Tank Barbara Corcoran e lahlehetsoe ke $388,000 ho scam e joalo. Hangata baqhekelli ba kenya li-invoice tsa bohata tsa PDF har'a li-imeile tse ngata tsa nnete hore li se ke tsa hlokomeloa.

Ho loantša bosholu ba li-invoice ho kenyelletsa:

  • Ha u shebelletse liphetoho tsa invoice tsa motsotso oa ho qetela ho latela maemo kapa chelete
  • Ho netefatsa lintlha tsa tefo ea barekisi ho fetoha ka kotloloho ka mehala
  • Ho netefatsa lintlha le mafapha a kantle a okametseng barekisi ba itseng

Bosholu ba barekisi

Boqhekanyetsi ba barekisi bo fapane le bosholu ba li-invoice ha barekisi ba sebele ba amohetsoeng ba qhekella bareki ba bona ka boomo hang ha ba le kamanong ea khoebo. Maqheka a ka kenyelletsa ho tjhaja ho feta tekano, ho fapanyetsana ha sehlahisoa, ho lefisa ho feta tekano, dikontraka tsa dikonteraka le tlhahiso e fosahetseng ya tshebeletso.

Feme ea Nigeria ea Sade Telecoms e qhekelletse sekolo sa Dubai ho $408,000 ketsahalong e 'ngoe ea morao tjena ea bomenemene ea barekisi ka ho qhekella litefo tsa elektroniki.

Tlhahlobo ea barekisi le tlhahlobo ea morao-rao hammoho le tlhahlobo e tsoelang pele ea transaction ke mekhoa ea bohlokoa ea ho loantša bomenemene ba barekisi.

chelete dilondri

Ho qhekella ka chelete ho thusa likhoebo kapa batho ka bomong ho pata matlotlo a seng molaong ka litšebelisano tse rarahaneng le ho etsa hore 'chelete e litšila' e bonahale e fumanoe e le e loketseng. Banka ea Wachovia e tsebahala haholo e thusitse ho fumana liranta tse limilione tse likete tse 380 bakeng sa lik'hamphani tsa lithethefatsi tsa Mexico pele lipatlisiso li e qobella ho lefa likotlo tse boima tsa mmuso e le kotlo.

Anti-chelete laundering (AML) software, tlhahlobo ea transaction and Know Your Customer (KYC) e hlahloba lithuso tsohle ho lemoha le ho thibela ho hlatsuoa. Melao ea mmuso e boetse e theha mananeo a AML e le tlamo hore libanka le likhoebo tse ling li li boloke.

Litlhaselo tsa Phishing

Phishing ke bomenemene ba dijithale bo reretsoeng ho utsoa lintlha tsa bohlokoa tse kang karete ea mokoloto le lintlha tsa Ts'ireletso ea Sechaba kapa lintlha tsa ho kena bakeng sa liakhaonto tsa khoebo ka li-imeile tsa bohata kapa liwebsaete. Le lik'hamphani tsa boemo bo holimo joalo ka moetsi oa lipapali Mattel li lebisitsoe.

Koetliso ea Cybersecurity e thusa basebetsi ho lemoha lifolakha tse khubelu tsa phishing, ha litokiso tsa tekheniki joalo ka netefatso ea lintlha tse ngata le li-spam filters li eketsa tšireletso. Ho beha leihlo litlolo tsa data tse ka bang teng e ntse e le ntho ea bohlokoa kaha mangolo a utsoitsoeng a ka fihlella mekotla ea k'hamphani.

CEO Bomenemene

Bomenemene ba CEO, boo hape bo bitsoang 'business email compromise scams', bo kenyelletsa linokoane tsa marang-rang tse iketsang baetapele ba likhamphani joalo ka li-CEO kapa li-CFO ho romella basebetsi mangolo-tsoibila ba batlang litefo tse potlakileng ho liakhaonto tsa bomenemene. Fetile $ Limilione tse likete 26 e lahlehetsoe lefatšeng ka bophara ke bomenemene bo joalo.

Melao ea sebaka sa mosebetsi e hlakisang mekhoa ea ho lefa le tumello ea mafapha a mangata bakeng sa lichelete tse kholo e ka thibela bomenemene bona. Melao-motheo ea Cybersecurity joalo ka netefatso ea lengolo-tsoibila le eona e fokotsa likhokahano tsa maiketsetso.

4 chelete e qhekellang
5 chelete
6 mohlahlobi oa boitšoaro

Lipalo-palo Tse Mathata ka Bomenemene ba Khoebo

Lefatšeng ka bophara, mekhatlo e tloaelehileng e lahleheloa 5% ea chelete e kenang ho qhekella selemo le selemo e etsang litrillione tsa tahlehelo. Lipalopalo tse ling tse makatsang li kenyelletsa:

  • Litsenyehelo tse tloaelehileng tsa morero o mong le o mong oa bomenemene li eme ho $ Limilione tse 1.5 ka tahlehelo
  • 95% ea litsebi tsa bomenemene tseo ho entsoeng lipatlisiso ho tsona li re ho hloka taolo ea ka hare ho mpefatsa bomenemene khoebong
  • The Association of Certified Fraud Examiners (ACFE) e fumane ho feta 75% ea linyeoe tsa bomenemene ba likhoebo tse ithutoang li ile tsa nka likhoeli kapa ho feta ho lemoha mefokolo ea thibelo
  • Setsi sa Litletlebo tsa Botlokotsebe ba Marang-rang (IC3) se tlalehile $ Limilione tse likete 4.1 tahlehelo ea botlokotsebe bo amang likhoebo ka 2020

Lintlha tse joalo li totobatsa kamoo bosholu e lulang e le letheba le sa bonahaleng ho mekhatlo e mengata. Melao ea ka hare ea milquetoast mabapi le ho sireletsa lichelete le data e hloka ho nchafatsoa.

Keletso ea Setsebi ea ho Thibela Bomenemene ba Khoebo

Ka litlamorao tse mpe tsa lichelete le litlamorao tse tšoarellang tsa ts'epo ea bareki ha bosholu bo kena ka har'a k'hamphani, mekhoa ea thibelo e lokela ho sebetsa ka matla. Litsebi li khothaletsa:

  • Kenya Litaolo tse Matla tsa ka Hare: Tlhokomelo ea mafapha a mangata bakeng sa lichelete hammoho le mekhoa ea ho fana ka tumello ea khoebo e nang le ts'ebetso e kenelletseng e laolang kotsi ea bomenemene. Etsa liphuputso tse tlamang khafetsa hape.
  • Etsa tlhahlobo e pharaletseng ea barekisi le basebetsi: Licheke tsa morao-rao li thusa ho qoba tšebelisano 'moho le barekisi ba bolotsana ha ba ntse ba senola lifolakha tse khubelu tsa basebetsi nakong ea ho hira.
  • Fana ka Thuto ea Bomenemene: Ho lemoha bomenemene le koetliso ea ho latela melao ea selemo le selemo ho netefatsa hore basebetsi bohle ba lula ba nchafalitsoe ka maano le ho falimehela matšoao a temoso.
  • Sheba Litšebetso ka Haufi: Lisebelisoa tsa tlhahlobo ea boitšoaro li ka tšoaea liphoso ka bo eona ho data ea litefo kapa li-timesheet tse bontšang bomenemene. Litsebi li lokela ho hlahloba liketso tse tšoailoeng.
  • Nchafatsa Cybersecurity: Encrypt le ho boloka data kamehla. Kenya ts'ireletso e khahlanong le phishing le malware haufi le li-firewall 'me u netefatse hore lisebelisoa li sebelisa li-password tse sireletsehileng tse thata.
  • Theha Mohala oa Mololi: Malebela a sa tsejoeng le boemo bo tiileng ba ho hana boiphetetso bo khothaletsa basebetsi ho tlaleha lipelaelo tsa bomenemene hang hang pele ho tahlehelo e kholo.

Maikutlo a Setsebi mabapi le Ho Loantša Litšokelo tse Fetohang tsa Bomenemene

Ha masholu a ntse a ntlafala le ho feta 'me baqhekelli ba fumana mekhoa e mecha e thusoang ke mahlale joalo ka litefo tse seng li loketse ho sebelisoa hampe, lik'hamphani li tlameha ho ikamahanya le maemo a thibelo ha li ntse li latela bosholu bo hlahang li tlameha ho lula li nahanoa ka ho nts'etsapele maemo a bomenemene ka har'a mafapha a tsona ho lokisa mananeo a matla a ho thibela bosholu.

Lintlha tse ling tsa indasteri li kenyelletsa:

Banka: “[Mekhatlo ea lichelete] e tlameha ho lula e lekola katleho ea litsamaiso tsa eona tsa bomenemene khahlanong le mefuta e mecha le e ntseng e hlaha ea litlhaselo.” - Shai Cohen, Litharollo tsa Bomenemene ba SVP ho RSA

Inshorense: "Likotsi tse hlahang joalo ka li-cryptocurrensets le bosholu ba marang-rang li hloka leano le feto-fetohang, le shebaneng le data ho sebetsana le khaello ea data ea nalane ea bomenemene." – Dennis Toomey, Motlatsi oa Motlatsi oa Motlatsi oa Theknoloji ea Counter Fraud ho BAE Systems

Tlhokomelo ea bophelo: "Ho falla ha bosholu ho li-platform tsa thelevishene nakong ea seoa ho bolela hore [bafani le ba lefang] ba tla hloka ho tsepamisa maikutlo ho netefatso ea mokuli le taolo ea netefatso ea thelevishene ho feta neng kapa neng." - James Christiansen, Motlatsi oa Motlatsi oa Thibelo ea Bomenemene ho Optum

Mehato eo Likhoebo Tsohle li Lokelang ho e Nka Hang-hang

Ho sa tsotelehe bofokoli bo itseng ba bomenemene ba k'hamphani ea hau, ho latela mekhoa e metle ea ho thibela bomenemene ke mokhoa oa pele oa ts'ireletso:

  • Etsa ka ntle kamehla liphuputso tsa lichelete
  • kenya software ea tsamaiso ea khoebo ka ho latedisa tshebetso
  • Etsa ka hloko ho hlahloba ka morao ho barekisi bohle
  • Boloka litaba tse nchafalitsoeng leano la bomenemene ba basebetsi bukana e nang le mehlala e hlakileng ya boitshwaro bo bobe
  • Hloka koetliso ea cybersecurity bakeng sa basebetsi bohle
  • Kenya ts'ebetso e sa tsejoeng mohala oa mololi
  • Netefatsa ka ho hlaka ditaolo tsa ka hare bakeng sa liqeto tsa lichelete hammoho le mafapha a mangata tlhokomelo bakeng sa ditransekshene tse kgolo
  • Li-invoice tsa skrineng haholo pele ho tumello ea tefo

Hopola - bokhabane ba taolo ea likotsi bo arola likhoebo tse tsebang bomenemene ho tse qoelang botlokotsebeng ba lichelete. Thibelo e hlokolosi e boetse e jella lik'hamphani chelete e fokolang ho feta karabelo le ho hlaphoheloa ha ketsahalo ea ka mor'a bomenemene.

Qetello: Re Kopane, Re Arohanoa Re Oele

Mehleng ena eo ho eona linokoane tse bohareng ba lefatše li ka ntšang lichelete tsa lik'hamphani ka khutso kapa batsamaisi ba loto ba tlaleha litaba tsa lichelete ka bolotsana, litšokelo tsa bomenemene li atile ka mahlakoreng 'ohle. Mefuta e mecha ea mosebetsi e tsebisang basebetsi ba hole le bo-rakonteraka ba kantle ho sebaka sa marang-rang e ntse e pata pepeneneng.

Leha ho le joalo tšebelisano-'moho e emela sebetsa sa ho qetela sa ho loantša bomenemene. Ha lik'hamphani tse nang le mekhoa e metle li kenya letsoho taolong ea ka hare ha mekhatlo ea mmuso e ntse e eketsa kabo ea tlhahisoleseling le lipatlisiso tse kopaneng tsa bomenemene le balekane ba lefats'e, nako ea bosholu bo atileng ba khoebo e haufi le ho fela. Lithuso tsa mahlale tse kang bohlale ba maiketsetso (AI) le ho ithuta ka mochini ho bona lits'ebetso tse belaetsang tsa lichelete le tsona li thusa ho fokotsa bosholu pejana ho feta leha e le neng pele.

Leha ho le joalo, lik'hamphani li tlameha ho lula li falimehile mabapi le ho fetoha ha maqheka a bomenemene, ho koala sekheo ka har'a maano a ka hare le ho khothaletsa moetlo o tsepamisitseng maikutlo holima maemo ohle ho laola likotsi tsa bosholu ba mehleng ena. Ka ho tsepamisa maikutlo le ho phehella, re ka hlola seoa sa bomenemene - khampani e le 'ngoe ka nako.

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