Usongo Lokukhwabanisa Kwebhizinisi

Ukukhwabanisa kwebhizinisi is a Umqedazwe wembulunga yonke igcwele yonke imboni futhi ithinta izinkampani nabathengi emhlabeni jikelele. Umbiko ka-2021 oya Ezizweni we-Association of Certified Fraud Examiners (ACFE) uthole ukuthi izinhlangano zilahlekelwa U-5% wemali engenayo yonyaka kuya izinhlelo zokukhwabanisa. Njengoba amabhizinisi aya ngokuya ehamba ku-inthanethi, amaqhinga amasha okukhwabanisa afana nobugebengu bokweba imininingwane ebucayi, ukukhwabanisa kwama-invoyisi, ukushushumbiswa kwemali, kanye Ukukhwabanisa kwe-CEO manje sekuyizimbangi zokukhwabanisa zakudala ezifana nokukhwabanisa nokukhwabanisa kweholo.

With izigidigidi elahlekile unyaka ngamunye futhi zomthetho imithelela kanye nokulimala kwesithunzi, alikho ibhizinisi elingaziba indaba yokukhwabanisa. Sizochaza ukukhwabanisa kwebhizinisi, sihlukanise izinhlobo zokukhwabanisa ezinkulu ngezifundo, sibonise izibalo ezikhathazayo, futhi sinikeze amathiphu ochwepheshe okuvimbela nokutholwa kokukhwabanisa. Zihlomise ngolwazi ukuze uqinise inhlangano yakho ngokumelene nezinsongo ezivela ngaphakathi nangaphandle.

1 usongo lokukhwabanisa kwebhizinisi
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Ukuchaza Ukukhwabanisa Kwebhizinisi

I-ACFE ichaza kabanzi ukukhwabanisa emsebenzini njenge:

“Ukusebenzisa umsebenzi womuntu ukuze azicebise ngokusetshenziswa kabi ngamabomu noma ukweba izinsiza noma izimpahla zomqashi.”

Izibonelo zifaka, kepha azikhawulelwe ku:

  • Ukufumbathisa
  • Ukukhwabanisa kweholo
  • Hlola ukuphazamisa
  • Imali engenayo esheshayo
  • Ama-invoyisi omthengisi mbumbulu
  • Ukwebiwa kobunikazi
  • Ukukhwabanisa kwesitatimende sezimali
  • Ukwebiwa kwempahla
  • Ukuthulwa kwemali
  • Ukwebiwa kwedatha

Nakuba izisusa zokuthi kungani abasebenzi nabantu bangaphandle benza ukukhwabanisa kwezinkampani zihluka, umgomo wokugcina ugxile enzuzweni yezimali engekho emthethweni uhlanganisa zonke izimo ndawonye. Amabhizinisi kufanele aqaphele izingozi zokukhwabanisa ezihlukahlukene ezivela kuzo zonke izinhlangothi.

Izinsongo Ezinkulu

Ngenkathi izimboni ezithile ezifana nezamabhange nohulumeni ziheha ukukhwabanisa obuningi, i-ACFE ithole izinsongo ezihamba phambili ezinhlanganweni zezisulu zihlanganisa:

  • Ukungasetshenziswa kahle kwempahla (89% wamacala): Izisebenzi ezintshontsha impahla, ukufaka imali yenkampani ephaketheni noma ukukhohlisa izitatimende zezimali.
  • Inkohlakalo (38%): Abaqondisi nabasebenzi abathatha izifumbathiso ezinkampanini zangaphandle ukuze bathole izinkontileka, idatha noma imininingwane yokuncintisana.
  • Ukukhwabanisa kwesitatimende sezimali (10%): Ukuqamba amanga kwezitatimende zemali engenayo, imibiko yenzuzo noma amashidi ebhalansi ukuze kubonakale kunenzuzo enkulu.

Ukukhwabanisa kwe-Cyber ​​nakho sekuvele njengendlela entsha yokukhwabanisa, ekhuphuka ngo-79% kusukela ngo-2018 phakathi kwezinhlangano zezisulu ngokusho kwe-ACFE. Ukuhlaselwa kobugebengu bokweba imininingwane ebucayi, ukwebiwa kwedatha kanye nemikhonyovu eku-inthanethi kubalele cishe amacala okukhwabanisa angu-1 kwangu-5.

Izinhlobo Ezinkulu Zokukhwabanisa Kwebhizinisi

Ngenkathi isimo esisongelayo siqhubeka nokuvela, izinhlobo eziningi zokukhwabanisa zihlupha ngokuphindaphindiwe izinkampani kuzo zonke izimboni. Ake sihlole izincazelo zabo, ukusebenza kwangaphakathi nezibonelo zomhlaba wangempela.

Ukukhwabanisa Kwezimali

Ukukhwabanisa kwe-accounting kubhekisela ekwenzeni ngamabomu ukuxhashazwa kwezitatimende zezimali okubandakanya izitatimende zemali engenayo, izikweletu ezifihliwe noma izimpahla ezikhuphukile. Lawa ma-tweaks asiza izinkampani ekuzinikeleni ukukhwabanisa kwezokuphepha, ukuthola imali ebolekiwe yasebhange, ukuhlaba umxhwele abatshalizimali noma ukwenyusa amanani esitoko.

I-Securities and Exchange Commission (SEC) umshushisi I-General Electric ngo-2017 yokwephulwa kwe-Accounting Okubanzi okuholela ekujezisweni kwezigidi ezingu-$50. Ngokufihla izikweletu zomshwalense, izinzuzo ze-GM ezibhalwe kabi ngo-2002 no-2003 ukuze zibonakale zinempilo phakathi kwemizabalazo yezezimali.

Ukuze kuvinjelwe ukukhwabanisa okunjalo okuyingozi, izilawuli zangaphakathi ezifana namabhodi okubuyekeza njalo ngekota eminyango eminingi angaqinisekisa ukunemba kwezitatimende zezezimali kanye nokuhlolwa kwamabhuku kwangaphandle.

Ukukhwabanisa kwabasebenzi

Ukukhwabanisa ngamaholo kuhlanganisa abasebenzi abaqamba amanga amahora asetshenziwe noma amanani omholo noma ukudala abasebenzi mbumbulu ngokuphelele futhi bafake imali yabo ephaketheni. ukukhokha. Ukucwaninga koMnyango Wezokuvikela wase-US ka-2018 kutholwe ukukhwabanisa kwabasebenzi nokuhlukumeza okudlangile $ 100 million kumoshwa minyaka yonke.

Amaqhinga okulwa nokukhwabanisa kweholo ahlanganisa:

  • Idinga ukugunyazwa komphathi ukuze kushintshwe izinkokhelo
  • Ukuhlela amafulegi enziwe ngokwezifiso nezaziso ngaphakathi kwamasistimu okukhokhelwa kwezicelo ezisolisayo
  • Ukwenza uphenyo olumangazayo lwe-payroll
  • Ihlola izincwadi zokuqinisekisa umsebenzi
  • Ukuqapha okuhleliwe kuqhathaniswa nezindleko zangempela zamaholo
  • Ukuqhathanisa amasignesha abasebenzi emaphepheni ukuze kutholwe okungenzeka amacala okusayina

Ukukhwabanisa Kwerisidi

Ngokukhwabanisa kwe-invoyisi, amabhizinisi athola ama-invoyisi mbumbulu azenza abathengisi abasemthethweni noma abonisa amanani akhuphukile kubathengisi bangempela. Ibanjiwe iminyango yezimali bengaqondile khokha izikweletu zomgunyathi.

Inkanyezi kaShark Tank uBarbara Corcoran ulahlekelwe u-$388,000 kumkhonyovu onjalo. Abakhwabanisi bavamise ukufaka ama-invoyisi angamanga e-PDF phakathi kwenqwaba yama-imeyili ayiqiniso ukuze banganakwa.

Ukulwa nokukhwabanisa kwe-invoyisi kuhlanganisa:

  • Ukubuka izinguquko ze-invoyisi zomzuzu wokugcina ngokwemibandela noma amanani
  • Ukuqinisekisa ulwazi lwenkokhelo yomthengisi kushintsha ngokuqondile ngezingcingo
  • Ukuqinisekisa imininingwane neminyango yangaphandle eyengamele abathengisi abathile

Ukukhwabanisa komthengisi

Ukukhwabanisa komthengisi kuyahluka ekukhwabaniseni kwe-invoyisi uma abathengisi bangempela abagunyaziwe bekhwabanisela amakhasimende abo ngamabomu lapho esebudlelwaneni bebhizinisi. Amaqhinga angahlanganisa ukushaja ngokweqile, ukushintshwa komkhiqizo, ukukhokhiswa ngokweqile, izinkokhelo zezinkontileka nokuhlanekezela amaqiniso kwesevisi.

Inkampani yaseNigeria i-Sade Telecoms iqole isikole sase-Dubai imali engu-$408,000 esihlakalweni sakamuva sokukhwabanisa komthengisi ngokusebenzisa inkokhelo ye-elekthronikhi.

Ukuhlolwa komthengisi kanye nokuhlolwa kwengemuva kanye nokuqapha okwenzekayo okuqhubekayo kudala izinqubo ezibalulekile zokulwa nokukhwabanisa komthengisi.

Ukuhlukana Kwemali

Ukwebiwa kwemali kwenza amabhizinisi noma abantu ngabanye bakwazi ukufihla imvelaphi yenhlanhla ngokuthengiselana okuyinkimbinkimbi futhi benze 'imali engcolile' ibonakale njengezuzwe ngokusemthethweni. I-Wachovia Bank idume kakhulu yasiza ukuthungatha amaRandi ayizigidi eziyizinkulungwane ezingama-380 ezinhlanganweni zezidakamizwa zaseMexico ngaphambi kophenyo oluphoqe ukuthi ikhokhe izinhlawulo zikahulumeni ezinzima njengesijeziso.

Isofthiwe yokulwa nokungeniswa kwemali (AML)., ukuqapha okwenziwayo kanye ne-Know Your Customer (KYC) ihlola konke ukusiza ekutholeni nasekuvimbeleni ukulandwa. Imithetho kahulumeni iphinde isungule izinhlelo ze-AML njengesibopho ukuze amabhange namanye amabhizinisi azigcine.

Ukuhlaselwa kobugebengu bokweba imininingwane ebucayi

Ubugebengu bokweba imininingwane ebucayi buhlanganisa imikhonyovu yedijithali okuhloswe ngayo ukweba idatha ebucayi njengekhadi lesikweletu nemininingwane Yezokuphepha Komphakathi noma imininingwane yokungena yama-akhawunti ezinkampani ngokusebenzisa ama-imeyili mbumbulu noma amawebhusayithi. Ngisho nezinkampani ezisezingeni eliphezulu ezifana nomenzi wamathoyizi uMatel kuhlosiwe.

Ukuqeqeshwa kweCybersecurity isiza abasebenzi ukuthi babone amafulegi abomvu obugebengu bokweba imininingwane ebucayi, kuyilapho ukulungiswa kwezobuchwepheshe njengokuqinisekisa ngezinto eziningi nezihlungi zogaxekile zengeza ukuvikeleka. Ukuqapha okungenzeka kwephulwa kwedatha kusewukhiye nakho njengoba izincwadi ezintshontshiwe zingafinyelela esikhwameni senkampani.

CEO Ukukhwabanisa

Ukukhwabanisa kwe-CEO, okubizwa nangokuthi 'imikhonyovu ye-imeyili yebhizinisi', kuhilela izigebengu ze-inthanethi ezizenza abaholi bezinkampani njengama-CEO noma ama-CFO ukuthumela i-imeyili abasebenzi abafuna izinkokhelo eziphuthumayo kuma-akhawunti omgunyathi. Kuphelile $ 26 billion ilahleke emhlabeni wonke ngemikhonyovu enjalo.

Izinqubomgomo zasemsebenzini ezibeka ngokucacile izinqubo zokukhokha kanye nokugunyazwa kweminyango eminingi ngesamba esibalulekile kungamelana nalokhu kukhwabanisa. Imithetho ye-Cybersecurity efana nokuqinisekiswa kwe-imeyili iphinde inciphise ukuxhumana komgunyathi.

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6 umhlaziyi wokuziphatha

Izibalo Ezikhathazayo Ngokukhwabanisa Kwebhizinisi

Emhlabeni jikelele, izinhlangano ezijwayelekile ziyalahleka 5% wemali engenayo ukukhwabanisa minyaka yonke okulinganiselwa ezigidini zezigidi zokulahlekelwa. Ezinye izibalo ezishaqisayo zifaka:

  • Izindleko ezimaphakathi zohlelo ngalunye lokukhwabanisa lwezinkampani zimi kokuthi $ 1.5 million ekulahlekelweni
  • 95% ochwepheshe bokukhwabanisa okucwaningwe ngabo bathi ukuntuleka kokulawula kwangaphakathi kwandisa ukukhwabanisa kwebhizinisi
  • I-Association of Certified Fraud Examiners (ACFE) itholwe ngaphezulu 75% yezigameko zokukhwabanisa kwezinkampani ezihlolisisiwe zithathe izinyanga noma ngaphezulu ukuze kutholwe ukugqamisa amaphutha okuvimbela
  • I-Internet Crime Complaint Centre (IC3) ibike $ 4.1 billion ekulahlekelweni kobugebengu bamakhompuyutha obuthinta amabhizinisi ngo-2020

Idatha enjalo igqamisa ukuthi ukukhwabanisa kuhlala kuyindawo eyimpumputhe ezinkampanini eziningi. Izinqubomgomo zangaphakathi ze-milquetoast ekuvikeleni izimali kanye nedatha zidinga ukulungiswa kabusha.

Iseluleko Sochwepheshe Sokuvimbela Ukukhwabanisa Kwebhizinisi

Ngemiphumela emibi yezezimali kanye nemithelela ehlala njalo yokwethenjwa kwamakhasimende lapho ukukhwabanisa kungena enkampanini, izindlela zokuvimbela kufanele zisebenze ngamandla. Ochwepheshe batusa:

  • Sebenzisa Izilawuli Zangaphakathi Eziqinile: Ukwengamela kweminyango eminingi kwezezimali kanye nezinqubo zokugunyaza okwenziwayo ezinokuqapha komsebenzi owakhelwe ngaphakathi kulawula ubungozi bokukhwabanisa. Faka ukuhlola okumangazayo okuyisibopho njalo futhi.
  • Yenza Ukuhlolwa Okubanzi Komthengisi Nokuhlolwa Kwabasebenzi: Ukuhlola okungemuva kusiza ukugwema ubudlelwano nabathengisi abakhohlisayo kuyilapho kuveza amafulege abomvu ezisebenzi ngesikhathi sokuqasha.
  • Nikeza Imfundo Yokukhwabanisa: Ukutholwa kokukhwabanisa kwaminyaka yonke nokuqeqeshwa kokuthobela kuqinisekisa ukuthi bonke abasebenzi bahlala benolwazi ngezinqubomgomo futhi beqaphile izimpawu eziyisixwayiso.
  • Gada okwenziwayo eduze: Amathuluzi okuhlaziya ukuziphatha angahlaba umkhosi ngokuzenzakalelayo okudidayo kudatha yokukhokha noma kumakhasi esikhathi abonisa ukukhwabanisa. Ochwepheshe kufanele bahlole izenzo ezihlatshwe umkhosi.
  • Buyekeza i-Cybersecurity: Bethela futhi wenze isipele idatha njalo. Faka izivikelo ezimelene nobugebengu bokweba imininingwane ebucayi kanye nohlelo olungayilungele ikhompuyutha eduze nezindonga zokuvikela futhi uqinisekise ukuthi amadivayisi asebenzisa amaphasiwedi aqinile avikelekile.
  • Dala Inombolo Yocingo Yokukhuluma I-Whistleblower: Ithiphu engaziwa kanye nesimo esiqinile sokuphikisa ukuziphindiselela sikhuthaza abasebenzi ukuthi babike izinsolo zokukhwabanisa ngokushesha phakathi nezigaba zakuqala ngaphambi kokulahlekelwa okukhulu.

Imininingwane Yochwepheshe Ekulweni Nezinsongo Zokukhwabanisa Eziguqukayo

Njengoba izigebengu zikhula ziba yinkimbinkimbi futhi abakhwabanisi bathola izindlela ezintsha ezisizwa ngobuchwepheshe njengezinkokhelo ezibonakalayo sezilungele ukuxhashazwa, izinkampani kufanele ziguqule ngenkuthalo amasu okuvimbela kuyilapho zilandela umkhonyovu okhulayo kufanele zihlale zicutshungulwa ngokuthuthukisa izimo zokukhwabanisa emikhakheni yazo ukuze zenze izinhlelo eziqinile zokulwa nokukhwabanisa.

Eminye imininingwane yemboni ifaka:

Ukubhanga: “[Izikhungo zezimali] kufanele zihlale zihlola ukusebenza kwezinhlelo zazo zokukhwabanisa ngokumelene nezinhlobo ezintsha zokuhlasela ezisafufusa.” – Shai Cohen, SVP Fraud Solutions at RSA

Umshuwalense: "Izingozi ezivelayo njengama-cryptocurrencies kanye nokukhwabanisa ku-inthanethi zidinga isu lokukhwabanisa elivumelana nezimo, eligxile kudatha elibhekana nokushoda kwedatha yokukhwabanisa yomlando." – UDennis Toomey, Iphini Likamongameli Wokulwisana Nokukhwabanisa Kwezobuchwepheshe e-BAE Systems

Ukunakekela impilo: "Ukufuduka kokukhwabanisa kumapulatifomu ezempilo ngesikhathi sodlame kusho ukuthi [abahlinzeki nabakhokhi] bazodinga ukugxila ekuqinisekiseni isiguli kanye nokulawula ukuqinisekiswa kwethelevishini manje kunangaphambili." - UJames Christiansen, i-VP Yokuvinjelwa Kokukhwabanisa e-Optum

Izinyathelo Wonke Amabhizinisi Kufanele Azithathe Ngokushesha

Kungakhathalekile ukuthi inkampani yakho isengozini engakanani yokukhwabanisa, ukulandela izinqubo ezihamba phambili zokuvimbela ukukhwabanisa kuyindlela yokuqala yokuzivikela:

  • Yenza okuvamile ngaphandle ukuhlolwa kwezimali
  • ukufaka isofthiwe yokuphatha ibhizinisi ngokulandelela umsebenzi
  • Ukuziphatha ngokuphelele ukuhlola ngemuva kubo bonke abathengisi
  • Gcina okubuyekeziwe inqubomgomo yokukhwabanisa kwabasebenzi incwadi enezibonelo ezicacile zokungaziphathi kahle
  • Kudinga ukuqeqeshwa kwe-cybersecurity kubo bonke abasebenzi
  • Sebenzisa igama elingaziwa i-whistleblower hotline
  • Qinisekisa ngokucacile izilawuli zangaphakathi ngezinqumo zezezimali eceleni kweminyango eminingi ukwengamela okwenzelwe ukuthengiselana okukhulu
  • Screen invoyisi kabanzi ngaphambi kokugunyazwa kwenkokhelo

Khumbula - ukusebenza kahle kokulawulwa kwezinhlekelele kwehlukanisa amabhizinisi anolwazi ngokukhwabanisa kulawo acwile ebugebengwini bezezimali. Ukuvimbela ngenkuthalo futhi kubiza izinkampani ngokungenamkhawulo impendulo kanye nokutholwa kwesigameko sangemva kokukhwabanisa.

Isiphetho: Sihlangene Sima, Sihlukene Siyawa

Enkathini lapho izigebengu ezitholakala ingxenye yomhlaba wonke zingasebenzisa buthule izimali zenkampani noma abaphathi abanezinhloso ezimbi babike ngezezimali ngendlela ekhohlisayo, izinsongo zokukhwabanisa zivela macala onke. Amamodeli omsebenzi amasha ezethula abasebenzi abakude kanye nosonkontileka abangekho esizeni baqhubeka nokufihla izinto obala.

Nokho ukubambisana kumelela isikhali esiphezulu sokulwa nokukhwabanisa. Njengoba izinkampani zezimiso zokuziphatha zisebenzisa izilawuli zangaphakathi ezihlukene kuyilapho izikhungo zikahulumeni ziqongelela ukwabelana ngolwazi kanye nophenyo lokukhwabanisa oluhlanganyelwe nabalingani bomhlaba wonke, inkathi yokukhwabanisa kwebhizinisi okudlangile isisondela ekupheleni. Izinsiza zobuchwepheshe ezifana nobuhlakani bokwenziwa (AI) nokufunda komshini ekuboneni umsebenzi wezezimali osolisayo nakho kusiza ekwehliseni ukukhwabanisa ngaphambi kwesikhathi kunangaphambili.

Noma kunjalo, izinkampani kufanele zihlale ziqaphile mayelana nokuvela kwamaqhinga okukhwabanisa, vala izindawo eziyizimpumputhe ngaphakathi kwezinqubomgomo zangaphakathi futhi zikhuthaze isiko lokuthobela umthetho kuwo wonke amazinga ukuze zilawule izingozi zokukhwabanisa zamanje. Ngokugxila nangokuphikelela, singanqoba umqedazwe wokukhwabanisa - inkampani eyodwa ngesikhathi.

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