Usongelo lobuqhophololo kwiShishini

Ubuqhophololo kwishishini yi indyikitya yesifo esisulelayo yomhlaba jikelele igcwele kuwo onke amashishini kwaye ichaphazela iinkampani kunye nabathengi kwihlabathi liphela. Ingxelo ye-2021 kwiZizwe eziManyeneyo yi-Association of Certified Fraud Examiners (ACFE) yafumanisa ukuba imibutho ilahlekelwe I-5% yeengeniso zabo zonyaka ukuba amacebo obuqhophololo. Njengoko amashishini esiya ehambela phambili kwi-Intanethi, amaqhinga amatsha obuqhetseba obufana nobuqhetseba, ubuqhophololo kwi-invoyisi, ukuthutyeleziswa kwemali, kunye CEO ubuqhophololo ngoku zikhuphisana nobuqhetseba obudala obufana nobuqhophololo kunye nobuqhophololo bomvuzo.

kunye Iibhiliyoni ilahlekile ngonyaka ngamnye kwaye zomthetho iimpembelelo kunye nomonakalo wodumo, akukho shishini linokungawuhoyi umcimbi worhwaphilizo. Siza kuchaza ubuqhophololo kushishino, sicazulule iintlobo zobuqhetseba obuphambili ngezifundo-nzulu, sibonise iinkcukacha-manani ezikhathazayo, kwaye sinike iingcebiso zeengcali zokuthintela ubuqhophololo kunye nokubhaqwa. Zixhobise ngolwazi lokuqinisa umbutho wakho ngokuchasene nezoyikiso ezivela ngaphakathi nangaphandle.

Ukuchaza ubuqhophololo boShishino

I-ACFE ichaza ngokubanzi ubuqhophololo emsebenzini njenge:

“Ukusebenzisa umsebenzi kabani ukuze azityebise ngokusetyenziswa kakubi ngabom okanye ukubiwa kwezinto zomqeshi okanye izinto anazo.”

Imizekelo ibandakanya, kodwa ayikhawulelwanga:

• Ukukhwabanisa
• Ubuqhophololo kumvuzo
• Hlola ukuphazamisa
• Ukunciphisa ingeniso
• Ii-invoyisi zomgunyathi
• Isazisi
• Ukusetyenziswa kwengxelo yemali
• Ubusela bempahla
• Ukurhwaphiliza imali
• Ubusela bedatha

Nangona izizathu zokuba kutheni abaqeshwa kunye nabantu bangaphandle benza ubuqhophololo bamashishini zahlukile, injongo yokugqibela igxile kwinzuzo yemali engekho mthethweni idibanisa zonke iimeko kunye. Amashishini kufuneka alumkele imingcipheko eyahlukeneyo yobuqhophololo evela macala onke.

Ezona Zoyikiso Zinkulu

Ngelixa amashishini athile afana neebhanki kunye norhulumente etsala ubuqhophololo obuninzi, i-ACFE ifumene ezona zoyikiso ziphezulu kwimibutho yamaxhoba ziquka:

• Ukusetyenziswa gwenxa kwempahla (89% yamatyala): Abasebenzi abakhuthuza uluhlu lwempahla, ukufaka imali yenkampani epokothweni okanye ukuxhaphaza iingxelo zemali.
• I nkohlakalo (38%): Abalawuli nabasebenzi bathabatha izinyobo kumaqumrhu angaphandle ukuze bafumane iikhontrakthi, iinkcukacha okanye ulwazi olukhuphisanayo.
• Ubuqhophololo kwingxelo yemali (10%): Ubuxoki beengxelo zengeniso, iingxelo zengeniso okanye i-balance sheets ukuze kubonakale kunenzuzo ngakumbi.

Ubuqhetseba be-Cyber ​​​​bubuye bavela njengendlela entsha yokukhwabanisa, i-skyrocketing nge-79% ukususela ngo-2018 phakathi kwemibutho yamaxhoba ngokwe-ACFE. Uhlaselo lobuqhetseba, ukubiwa kwedatha kunye nobuqhetseba be-intanethi zibalelwe phantse i-1 kumatyala orhwaphilizo ama-5.

Iindidi ezingundoqo zoBuqhetseba boShishino

Ngelixa imeko yesoyikiso iqhubeka nokuvela, iintlobo ezininzi zobuqhophololo zihlala zithwaxa iinkampani kuwo wonke amashishini. Makhe sihlolisise iinkcazo zabo, ukusebenza kwangaphakathi kunye nemizekelo yokwenyani yehlabathi.

Ubuqhophololo kuBalo-mali

Ubuqhophololo bobalo-mali bubhekisa kubom ukuguqulwa kweengxelo zemali okubandakanya ukugqithiswa kweengxelo zengeniso, amatyala afihliweyo okanye ii-asethi ezenyusiweyo. Ezi tweaks zibet iinkampani ekuzibopheleleni ubuqhetseba kwezokhuseleko, ukufumana imali-mboleko yebhanki, ukuchukumisa abatyali-mali okanye ukunyuka kwamaxabiso esitokhwe.

IKhomishini yoKhuseleko kunye noTshintshiselwano (SEC) ukutshutshiswa I-General Electric kwi-2017 yoLwaphulo-mali oluBanzi oluBanzi olukhokelela kwi-50 yezigidi zesohlwayo. Ngokufihla iimfanelo ze-inshorensi, i-GM ifumene ingeniso engachazwanga kakuhle kwi-2002 kunye ne-2003 ukuze ibonakale iphilile phakathi kweengxaki zemali.

Ukuthintela ubuqhophololo obunjalo obuyingozi, ulawulo lwangaphakathi olufana neebhodi zophononongo zekota zamasebe amaninzi zinokuqinisekisa ukuchaneka kweengxelo zemali kunye nophicotho-zincwadi lwangaphandle.

Ubuqhophololo bomvuzo

Ubuqhophololo kumvuzo bubandakanya abasebenzi abakhohlisayo ngeeyure ezisetyenzisiweyo okanye izixa zemivuzo okanye ukudala abasebenzi bomgunyathi ngokupheleleyo kunye nokufaka epokothweni yabo. Iirhafu ezihlawulelwayo. UPhicotho-zincwadi lweSebe lezoKhuselo lwango-2018 lafumanisa ukuba kuxhaphakile ubuqhophololo kumvuzo kunye nempatho-gadalala iyonke $ 100 yezigidi imoshakala ngonyaka.

Amaqhinga okulwa ubuqhophololo kumvuzo aquka:

• Ifuna imvume yomphathi ukwenzela utshintsho lwemivuzo
• Ukucwangcisa iiflegi ezilungiselelweyo kunye nezaziso ngaphakathi kweenkqubo zokuhlawula izicelo ezikrokrisayo
• Ukuqhuba uphicotho lwemivuzo eyothusayo
• Ukujonga iileta zokuqinisekisa ingqesho
• Ukubeka esweni okucwangcisiweyo kuthelekiswa nenkcitho eyiyo yomvuzo
• Ukuthelekisa imisayino yabasebenzi kumaphepha ukuze kubonwe okunokwenzeka utyikityo amatyala omgunyathi

Ubuqhophololo kwi-invoyisi

Ngorhwaphilizo lwe-invoyisi, amashishini afumana ii-invoyisi zomgunyathi ezizenza abathengisi abasemthethweni okanye ezibonisa iimali ezinyusiweyo kubathengisi bokwenyani. Amasebe ogcino-mali abanjwe engazi hlawula amatyala obuqhophololo.

Inkwenkwezi yeTanki yeShark uBarbara Corcoran ilahlekile $388,000 kurhwaphilizo olunjalo. Abarhwaphilizi bahlala befaka ii-invoyisi ze-PDF ezingeyonyani phakathi kothotho lwee-imeyile eziyinyani ukuze zingaqatshelwa.

Ukulwa nobuqhophololo kwi-invoyisi kubandakanya:

• Ukubukela utshintsho kwi-invoyisi yomzuzu wokugqibela ngokwemiqathango okanye iimali
• Ukuqinisekisa ulwazi lwentlawulo yomthengisi lutshintsha ngokuthe ngqo ngeefowuni
• Ukuqinisekisa iinkcukacha namasebe angaphandle ajongana nabathengisi abathile

Urhwaphilizo lomthengisi

Ubuqhophololo bomthengisi buyohluka kubuqhophololo kwi-invoyisi xa abathengisi bokwenene abavunyiweyo beqhatha abathengi ngabom xa benobudlelwane boshishino. Amaqhinga anokubandakanya ukutshajiswa okugqithisileyo, ukutshintshwa kwemveliso, ukuhlawuliswa ngokugqithisileyo, ukukhatywa kwentlawulo yeekhontrakthi kunye nokumelwa gwenxa kwenkonzo.

Ifemu yaseNigeria iSade Telecoms yaqhatha isikolo saseDubai imali engama-408,000 eerandi kwisiganeko sakutshanje sobuqhetseba kumthengisi ngokusebenzisa intlawulo ye-elektroniki.

Uvavanyo lomthengisi kunye nokuhlolwa kwemvelaphi kunye nokubekwa kweliso kwintengiselwano eqhubekayo zenza iinkqubo ezibalulekileyo zokulwa ubuqhophololo kubathengisi.

Ukurhwaphiliza imali

Ukuthutyeleziswa kwemali kwenza ukuba amashishini okanye abantu bafihle imvelaphi engekho mthethweni ngorhwebo oluntsonkothileyo kwaye benze 'imali emdaka' ibonakale njengezuzwe ngokusemthethweni. Wachovia bank idume kakhulu yanceda ukulahla i-380 yeebhiliyoni zeedola kumashishini athengisa amachiza aseMexico phambi kokuba uphando lunyanzelise ukuba ahlawule izohlwayo ezinzima zikarhulumente njengesohlwayo.

Anti-money laundering (AML) software, ukujongwa kwentengiselwano kunye noKwazi uMthengi Wakho (KYC) ijonga yonke into enceda ekubhaqeni nasekuthinteleni ukuthuthwa kwempahla. Imimiselo karhulumente ikwaseka iinkqubo ze-AML njengezinyanzelo kwiibhanki namanye amashishini ukuba azigcine.

Uhlaselo lokuPhishing

Urhwaphilizo lubandakanya ubuqhetseba bedijithali obujolise ekuba idatha ebuthathaka njengekhadi letyala kunye neenkcukacha zoKhuseleko loLuntu okanye iinkcukacha zokungena kwiiakhawunti zeshishini ii-imeyile zobuxoki okanye iiwebhusayithi. Nditsho neenkampani ezikumgangatho ophezulu ezifana ne-toymaker uMatel zijoliswe.

Uqeqesho lwe-Cybersecurity inceda abasebenzi baqaphele ukuxhwaleka kweeflegi ezibomvu, ngelixa izilungiso zobugcisa ezifana nokuqinisekiswa kwezinto ezininzi kunye nezihluzo ze-spam zongeza ukhuseleko. Ukubek'esweni ukophulwa kwedatha okunokwenzeka kuhlala kungundoqo nako kuba iziqinisekiso ezibiweyo zinokufikelela kwiingxowa zenkampani.

CEO Ubuqhophololo

Ubuqhophololo be-CEO, obukwabizwa ngokuba 'yi-imeyili yeshishini lobuqhophololo bobuqhophololo', bubandakanya abaphuli-mthetho bekhompyutha abazenza iinkokeli zenkampani njengee-CEO okanye ii-CFO zokuthumela i-imeyile kubasebenzi abafuna iintlawulo ezingxamisekileyo kwiiakhawunti zobuqhetseba. Ngaphezulu $ 26 billion iye yalahleka kwihlabathi jikelele kubuqhetseba obunjalo.

Imigaqo-nkqubo yendawo yokusebenza emisela ngokucacileyo iinkqubo zentlawulo kunye nogunyaziso lwamasebe amaninzi lwesambuku esibalulekileyo lunokuchasana nobu rhwaphilizo. Imigaqo yokhuseleko lwe-Cybersecurity efana nokuqinisekiswa kwe-imeyile ikwacutha unxibelelwano lomgunyathi.

INkcukacha-manani kwiShishini lobuqhophololo

Ehlabathini lonke, imibutho eqhelekileyo ilahlekile I-5% yeengeniso ubuqhophololo minyaka le bufikelela kwiitriliyoni kwilahleko. Iinkcukacha-manani ezothusayo ezingakumbi ziquka:

• Umndilili weendleko zeskim ngasinye sorhwaphilizo simi kuyo $ 1.5 yezigidi kwiilahleko
• 95% iingcaphephe zobuqhophololo ekwenziwe uphando kuzo zithi ukunqongophala kolawulo lwangaphakathi kwandisa ubuqhophololo kushishino
• Umbutho waBavavanyi abaQinisekisiweyo boBuqhetseba (ACFE) ufunyenwe ngaphezulu 75% yezehlo zobuqhophololo ezithe zaphononongwa zathatha iinyanga okanye ngaphezulu ukuqaphela iziphene zothintelo
• Iziko le-Intanethi lezikhalazo zoLwaphulo-mthetho (IC3) linike ingxelo $ 4.1 billion kwilahleko kulwaphulo-mthetho oluchaphazela amashishini ngo-2020

Ulwazi olunjalo lubonisa ukuba ubuqhophololo buhlala buyinto emfamekileyo kumaqumrhu amaninzi. Imigaqo-nkqubo yangaphakathi i-milquetoast ekukhuseleni iimali kunye nedatha ifuna ukulungiswa kwakhona.

IiNgcebiso zeNgcali zokuThintela ubuqhophololo kwiShishini

Ngeempembelelo ezimandundu kwezemali kunye nokunyamezela ukuchaphazeleka komthengi xa ubuqhophololo bungena enkampanini, iindlela zokuthintela kufuneka zisebenze ngamandla. Iingcali zicebisa:

• Sebenzisa ulawulo lwangaphakathi olomeleleyo: Ukubek' iliso kumasebe amaninzi kwezemali kunye neenkqubo zokuvunywa kwentengiselwano kunye neenkqubo ezakhelwe ngaphakathi zokulawula ubungozi borhwaphilizo. Yenza uphicotho olusisinyanzelo rhoqo.
• Yenza uVavanyo oluBanzi kunye noHlolo lwaBasebenzi: Iitshekhi ezingemva zinceda ukuphepha ukusebenzisana nabathengisi abanobuqhophololo ngelixa beveza iiflegi ezibomvu zabasebenzi ngokunjalo ngexesha lokuqesha.
• Ukubonelela ngeMfundo yobuqhophololo: Ukubhaqwa kobuqhophololo kunye noqeqesho lokuthotyelwa minyaka le kuqinisekisa ukuba bonke abasebenzi bahlala behlaziyiwe imigaqo-nkqubo kwaye bephaphile iimpawu ezilumkisayo.
• Jonga iiNtengiselwano ngokufutshane: Izixhobo zokuhlalutya indlela yokuziphatha zinokubonisa ngokuzenzekelayo ukungahambi kakuhle kwidatha yentlawulo okanye i-timesheets ebonisa ubuqhetseba. Iingcali kufuneka zivavanye izenzo eziphawulweyo.
• Hlaziya i-Cybersecurity: Fihla kwaye ugcine idatha rhoqo. Faka ukhuseleko oluchasene nokukhohlisa kunye ne-malware ecaleni komlilo kwaye uqinisekise izixhobo zisebenzisa amagama ayimfihlo akhuselekileyo.
• Yenza umnxeba wokuxela iNgxelo: Ingcebiso engachazwanga igama layo kunye nesimo esingqongqo sokuchasa impindezelo sikhuthaza abasebenzi ukuba baxele ngoko nangoko izikrokro zorhwaphilizo kumanqanaba okuqala phambi kwelahleko enkulu.

Ulwazi lweNgcali malunga nokuLwa iZisongelo zobuqhophololo eziguqukayo

Njengoko abarhwaphilizi bekhula benobuqhetseba kwaye abarhwaphilizi befumana iindlela ezintsha zoncedo lwetekhnoloji njengentlawulo ebonakalayo evuthiweyo ukuze kuxhatshazwe, iinkampani kufuneka zilungelelanise ngenkuthalo izicwangciso zokuthintela ubuqhetseba ngelixa zilandela umkhondo wobuqhophololo obusakhulayo kufuneka zihlale zijongwa ngokuphuhlisa ubuqhetseba kumacandelo abo ukuze zilungelelanise iinkqubo ezichasene nobuqhetseba.

Ezinye iimbono zeshishini ziquka:

Ukubhankisha: “[Amaziko emali] kufuneka asoloko evavanya ukusebenza kweenkqubo zawo zobuqhophololo ngokuchasene nohlaselo olutsha nolutsha.” – Shai Cohen, SVP Ubuqhophololo Solutions e RSA

Ininshurensi: "Imingcipheko ekhulayo efana ne-cryptocurrencies kunye ne-cyber fraud ifuna isicwangciso esiguquguqukayo sobuqhetseba obusekelwe kwidatha ejongene nokungabikho kwedatha yobuqhetseba bembali." – UDennis Toomey, i-VP ye-Counter Fraud Technology kwii-BAE Systems

Ukhathalelo lwempilo: "Ukufudukela ngobuqhetseba ukuya kumaqonga ezempilo ngexesha lo bhubhani kuthetha ukuba [ababoneleli kunye nabahlawuli] kuya kufuneka bagxile ekuqinisekiseni isigulana kunye nolawulo lokuqinisekisa umabonakude ngoku kunangaphambili." - UJames Christiansen, i-VP yoThintelo loBuqhetseba kwi-Optum

Amanyathelo Onke amashishini kufuneka awathathe ngoko nangoko

Nokuba yeyiphi na ilahleko ethile yenkampani yakho, ukulandela ezona ndlela zilungileyo zokuthintela ubuqhophololo zenza umgca wokuqala wokhuseleko:

• Yenza ngaphandle rhoqo uphicotho lwemali
• Faka isoftware yolawulo lweshishini ngokulandela umkhondo
• Ukuziphatha ngokucokisekileyo ukujonga ngasemva kubo bonke abathengisi
• Gcina uhlaziyo umgaqo-nkqubo wobuqhophololo babasebenzi incwadi enemizekelo ecacileyo yokuziphatha kakubi
• Funeka uqeqesho lokhuseleko lwe-intanethi kubo bonke abasebenzi
• Sebenzisa igama elingaziwa umnxeba womlotha
• Qinisekisa ngokucacileyo ulawulo lwangaphakathi kwizigqibo zemali ecaleni kwamasebe amaninzi ukongamela kwintengiselwano ezinkulu
• Ii-invoyisi zesikrini kakhulu phambi kokuvunywa kwentlawulo

Khumbula – ukugqwesa kolawulo lomngcipheko kwahlula amashishini anolwazi ngorhwaphilizo kwabo batshona kulwaphulo-mthetho lwemali. Ukuthintela ngenkuthalo kukwabiza iinkampani ngokungenasiphelo ngaphantsi kwempendulo yesiganeko sasemva korhwaphilizo kunye nokubuyiselwa.

Ukuqukumbela: Simanyene Sima, Sahlukana siyawa

Kwixesha apho abarhwaphilizi kwisiqingatha sehlabathi benokuthi cwaka bakhuphe imali yenkampani okanye abaphathi abakhohlakeleyo baxele imali, izoyikiso zobuqhetseba zivela macala onke. Iimodeli ezintsha zomsebenzi ezizisa abasebenzi abakude kunye neekontraka ezingaphandle kwendawo ziqhubela phambili ukungafihli.

Ukanti intsebenziswano imele esona sixhobo sokulwa nobuqhetseba. Njengoko iinkampani zokuziphatha ziphumeza ulawulo lwangaphakathi olunemigangatho ngelixa ii-arhente zikarhulumente zinyusa ukwabelana ngolwazi kunye nophando lorhwaphilizo kunye namahlakani ehlabathi, ixesha lobuqhophololo obuxhaphakileyo kushishino lusondela esiphelweni. Uncedo lobuchwephesha obufana nobukrelekrele bokwenziwa (AI) kunye nokufunda koomatshini ekuboneni imisebenzi yemali erhanelwayo nako kuyanceda ekuthomalaliseni ubuqhophololo kwangoko kunangaphambili.

Nangona kunjalo, iinkampani kufuneka zihlale zithe qwa malunga nokuvela kwamaqhinga orhwaphilizo, vala iindawo ezingaboni ngasonye kwimigaqo-nkqubo yangaphakathi kwaye zikhuthaze inkcubeko egxile ekuthotyelweni kuwo onke amanqanaba okulawula umngcipheko worhwaphilizo lwangoku. Ngokugxila kunye nokuzingisa, sinokuloyisa ubhubhani wobuqhophololo - inkampani enye ngexesha.