Ukuziphatha ukukhuthala okuphelele kanye nophenyo lwasemuva iyingxenye ebalulekile yokuthatha izinqumo unolwazi kuzo zonke izimo zebhizinisi, ezomthetho, nezokusebenzelana kwabantu. Lo mhlahlandlela obanzi uhlanganisa izincazelo ezibalulekile, izinjongo, amasu, imithombo, izindlela zokuhlaziya, izicelo, izinzuzo, izinqubo ezingcono kakhulu, amathuluzi kanye nezinsiza ezihlobene nenqubo yokukhuthala okufanele.
Kuyini I-Due Diligence?
- Ukunakekela ngaphambi kokungenela isivumelwano isho ukuphenywa ngokucophelela kanye nokuqinisekiswa kolwazi ngaphambi kokusayina izinkontileka zomthetho, ukuvala amadili ebhizinisi, ukuphishekela ukutshalwa kwezimali noma ubambiswano, ukuqasha amakhandidethi, nezinye izinqumo ezibucayi.
- Kuhlanganisa a uhla lokuhlolwa kwangemuva, ucwaningo, ukucwaninga, nokuhlola ubungozi okuhloswe ngayo ukwembula izinkinga ezingaba khona, izikweletu, noma ukuchayeka engcupheni, okuhlanganisa nokuhlola ukuqoqwa kwezikweletu izindlela ezingcono kakhulu lapho uhlola abangaba ozakwethu bebhizinisi noma okuhlosiwe kokutholwayo.
- Ukukhuthala kudlulela ngalé kokuhlolwa okuyisisekelo ukufaka phakathi ukubuyekezwa okuqinile kwezezimali, ezomthetho, ezokusebenza, ezidumayo, ezilawulayo, nezinye izizinda, njengemisebenzi engaba khona yokushushumbisa imali edinga ummeli wokukhwabanisa imali.
- Inqubo ivumela ababambiqhaza ukuthi baqinisekise amaqiniso, baqinisekise ulwazi olunikeziwe, futhi bathole ukuqonda okujulile ngebhizinisi noma umuntu ngaphambi kokusungula ubudlelwano noma ukuphothula imisebenzi.
- Ukucophelela okufanele kubalulekile ukunciphisa izingozi, ukuvimbela ukulahlekelwa, ukuqinisekisa ukuthobela, nokwenza izinqumo zamasu ezisekelwe ekuhlakanipheni okunembile, okuphelele.
Izinjongo Zokuphenya Ngokukhuthala Okufanelekile
- Qinisekisa ulwazi ehlinzekwa yizinkampani kanye nabangenele ukhetho
- Yembula izindaba ezingadalulwanga njengokumangalelana, ukwephulwa kwemithetho, izinkinga zezimali
- Khomba izici zobungozi kanye namafulegi abomvu kusenesikhathi, okuhlanganisa nezingozi ezingase ziholele emsebenzini izibonelo zesinxephezelo sabasebenzi njengokulimala emuva ekuphakanyisweni okungafanele.
- Linganisa amakhono, ukuzinza nokusebenza kahle yabalingani
- Qinisekisa iziqinisekiso, iziqu kanye nerekhodi lomkhondo kwabantu ngabanye
- Vikela isithunzi futhi uvimbele izikweletu ezisemthethweni
- Hlangana nezidingo zokulawula okwe-AML, KYC, njll.
- Sekela ukutshalwa kwezimali, ukuqasha, nezinqumo zamasu
Izinhlobo Zokuphenya Ngokuzikhandla Okufanelekile
- Ukukhuthala okufanele kwezezimali nokusebenza
- Ukuhlolwa kwengemuva nokuhlolwa kwereferensi
- Ukukhuthala okunedumela nokuqapha abezindaba
- Ukubuyekezwa kokuthobela kanye nokuhlolwa kokulawula
- Ukuhlola ubungozi benkampani yangaphandle kozakwethu nabathengisi
- Uphenyo lwe-forensic lokukhwabanisa nokungaziphathi kahle
Ochwepheshe bomkhakha benza ngendlela oyifisayo ububanzi ngokusekelwe ezinhlotsheni ezithile zokwenziwe nezidingo zezinqumo. Izibonelo zezindawo okugxilwe kuzo zihlanganisa:
- Ukuhlanganiswa kohlangothi lokuthenga/ukuthengisa kanye nokutholwayo
- Ukulingana kwangasese namadili emali yebhizinisi
- Ukutshalwa kwezimali kwezindawo ezithengiswayo
- Ukugibela amaklayenti noma abathengisi abasengozini enkulu
- Ukuhlolwa kozakwethu emabhizinisini ahlanganyelwe
- I-C-suite kanye nokuqashwa kobuholi
- Izindima zomeluleki othembekile
Amasu Okukhuthala Okufanelekile Nemithombo
Ukukhuthala okuphelele kusebenzisa kokubili amathuluzi ophenyo aku-inthanethi kanye nemithombo yolwazi engaxhunyiwe ku-inthanethi, kuhlanganiswe nokuhlaziywa kwabantu nobungcweti.
Ukusesha Kwamarekhodi Omphakathi
- Ukufakwa enkantolo, izahlulelo kanye nokuqulwa kwamacala
- UCC ukugcwalisa ukuhlonza izikweletu nemali mboleko
- Izixhumanisi zobunikazi bezindlu nezakhiwo
- Amarekhodi ezinkampani - ukwakheka, izikweletu, izimpawu zokuthengisa
- Izinqubo zokuqothuka kanye nezibopho zentela
- Amarekhodi omshado/isehlukaniso
Ukufinyelela Kusizindalwazi
- Imibiko yekhredithi evela ku-Experian, Equifax, Transunion
- Amacala obugebengu kanye nesimo somuntu onecala locansi
- Imilando yamacala omphakathi
- Amalayisense ochwepheshe isimo kanye namarekhodi okuqondiswa kwezigwegwe
- Amarekhodi ezimoto
- Amarekhodi okusetshenziswa - umlando wekheli
- Amarekhodi okufa / ukufakwa kwe-probate
Ukuhlaziywa Kolwazi Lwezezimali
- Izitatimende zezimali zomlando
- Imibiko yocwaningomabhuku oluzimele
- Ukuhlaziywa kwezimali ezibalulekile izilinganiso kanye nezitayela
- Ukubuyekezwa kwezabelomali zokusebenza
- Ukuqagela kokubikezela namamodeli
- Amathebula osonhlamvukazi
- Imibiko yekhredithi nezilinganiso zobungozi
- Idatha yomlando wokukhokha
Uphenyo Lwe-inthanethi
- Ukuqapha imithombo yezokuxhumana - imizwa, ukuziphatha, ubudlelwano
- Ukubhaliswa kwesizinda ukuxhumanisa abantu ngabanye namabhizinisi
- Ukubhekwa kwewebhu okumnyama kokuputshuka kwedatha
- Ukuhlaziywa kwamakhasi emiphumela yenjini yokusesha (SERP).
- Ukubuyekezwa kwamasayithi we-e-commerce nezinhlelo zokusebenza zeselula
Ukuhlonza Ifulegi Elibomvu
Ukuthola amafulegi abomvu kusenesikhathi kuvumela ababambiqhaza ukuthi banciphise ubungozi ngezinqubo ezihambisanayo zokukhuthala.
Amafulegi Abomvu Ezezimali
- I-liquidity empofu, ukusebenzisa ngokweqile, ukungahambisani
- Ukubikwa kwezimali sekwephuzile noma okungekho
- Okutholwayo okuphezulu, amamajini aphansi, izimpahla ezingekho
- Imibono noma izeluleko zomcwaningi mabhuku eziphazamisekile
Izinkinga Zobuholi Nobunikazi
- Abaqondisi abangafaneleki noma abanikazi bamasheya “abahlatshwe umkhosi obomvu”
- Umlando wokuhluleka kwebhizinisi noma ukuqothuka
- Opaque, izakhiwo zomthetho eziyinkimbinkimbi
- Ukuntuleka kokuhlela ngokulandelana
Izinto Zokulawula Nokuhambisana
- Izijeziso zangaphambilini, amacala noma imiyalo yemvume
- Ukungathobeli amalayisense namaphrothokholi okuvikela idatha
- Ukushiyeka kwe-GDPR, ukwephulwa kwemvelo
- Ukuvezwa emikhakheni elawulwa kakhulu
Izinkomba Zengozi Yedumela
- Amanani anyukile entengo yekhasimende
- Ukungalungi kwezokuxhumana kanye nezinkinga ze-PR
- Ukunganeliseki kahle kwabasebenzi
- Izinguquko ezisheshayo kuzikolo ze-ejensi yokulinganisa
Izicelo Zokuphenya Ngokuzikhandla
Ukukhuthala kudlala indima ebalulekile kuyo yonke imisebenzi nezinqubo eziningi:
Ukuhlanganiswa kanye nokutholwa
- Ukuchayeka engcupheni, amanani entengo, amaleveli okudala inani
- Ukuqondanisa amasiko, izingozi zokugcina, ukuhlela ukuhlanganiswa
- Ukunciphisa amacala angemva kokuhlanganiswa
Ukuhlolwa Komthengisi Nomhlinzeki
- Ukusimama kwezezimali, ikhwalithi yokukhiqiza, nokulinganisa
- I-Cybersecurity, ukuthobela, nezinqubo zokulawula
- Ukuhlelwa kokuqhubeka kwebhizinisi, ukuhlinzekwa komshwalense
Ukuhlolwa Kwekhasimende Nozakwethu
- Izimfuneko zokulwa nokushushumbiswa kwemali (AML) zemithetho ye-Know Your Customer (KYC).
- Ukubuyekezwa kohlu lwezinhlawulo - i-SDN, ukuxhumana kwe-PEP
- Izenzo zokumangalela ezimbi neziphoqelelayo
Ukuqashwa Kwamathalenta
- Ukuhlolwa kwesizinda sabasebenzi, umlando wokuqashwa
- Ukuhlola okuyisethenjwa okuvela kubaphathi bangaphambili
- Ukuqinisekisa iziqinisekiso zemfundo
Okunye Izicelo
- Izinqumo ezintsha zokungena emakethe nokuhlaziywa kwengozi yezwe
- Ukuphepha komkhiqizo kanye nokuvimbela isikweletu
- Ukulungiselela izinkinga kanye nokuxhumana
- Ukuvikelwa kwempahla yobuhlakani
Imikhuba Engcono Kakhulu Yokukhuthala
Ukunamathela ezindinganisweni ezibalulekile kusiza ekuqinisekiseni ukukhuthala okufanele nokuphumelelayo:
Qinisekisa Ukungafihli kanye Nemvume
- Inqubo yohlaka, ububanzi bombuzo kanye nezindlela ngaphambili
- Gcina ubumfihlo kanye nobumfihlo bedatha ngokusebenzisa iziteshi ezivikelekile
- Thola imvume ebhaliwe edingekayo kusengaphambili
Qasha Amathimba Emisebenzi Ehlukahlukene
- Ochwepheshe bezezimali nezomthetho, ama-forensic accountants
- Ingqalasizinda ye-IT kanye nabasebenzi abathobela imithetho
- Abeluleki bangaphandle bokukhuthala
- Abalingani bebhizinisi lendawo kanye nabeluleki
Yamukela Izinhlaka Zokuhlaziya Ezisekelwe Engozini
- Kala amamethrikhi obuningi nezinkomba zekhwalithi
- Hlanganisa okungenzeka, umthelela webhizinisi, amathuba okutholwa
- Buyekeza ukuhlola ngokuqhubekayo
Enza ngendlela oyifisayo ileveli nokugxila ekubuyekezeni
- Sebenzisa izindlela zokuthola amaphuzu engcuphe ezihambisana nobudlelwano noma inani lomsebenzi
- Khomba ukucutshungulwa okuphezulu kokutshalwa kwezimali kwamadola aphezulu noma izindawo ezintsha
Sebenzisa Indlela Ephindaphindayo
- Qala ngokuhlola okubalulekile, nwebela ekupheleleni njengoba kudingekile
- Gxila ezindaweni ezithile ezidinga ukucaciswa
Izinzuzo Zophenyo Lwenkuthalo Efanele
Nakuba ukukhuthala kuhilela ukutshalwa kwezimali okukhulu kwesikhathi nezinsiza, izinkokhelo zesikhathi eside zidlula izindleko. Izinzuzo ezibalulekile zifaka:
Ukunciphisa Ingozi
- Amathuba aphansi ezenzakalo ezimbi ezenzekayo
- Izikhathi zokuphendula ezisheshayo zokulungisa izinkinga
- Izikweletu ezincishisiwe zomthetho, zezimali kanye nesithunzi
Izinqumo Zesu Ezinolwazi
- Imininingwane yokuthuthukisa ukukhethwa kwethagethi, izilinganiso nemibandela yedili
- Izinsimbi zokudalwa kwevelu ezikhonjiwe, ama-synergies wemali engenayo
- Imibono eqondaniswe phakathi kozakwethu abahlanganisiwe
** Ukwakhiwa Kwethemba Nobudlelwano**
- Ukuzethemba ekumeni kwezezimali nasemandleni
- Okulindelwe obala okwabiwe
- Isisekelo sokuhlanganisa ngempumelelo
Ukuthobela Ukulawula
- Ukuthobela imithetho nemithetho yezimboni
- Ukugwema izinhlawulo, amacala kanye nokuhoxiswa kwelayisensi
Ukuvimbela Inhlekelele
- Ukubhekana nezinsongo ngokuqhubekayo
- Ukuthuthukisa izinhlelo zokusabela ezimweni eziphuthumayo
- Ukugcina ukuqhubeka kwebhizinisi
Izinsiza Nezisombululo Zokukhuthala Okufanelekile
Abahlinzeki bezinsizakalo abahlukahlukene banikeza izinkundla zesoftware, amathuluzi okuphenya, imininingwane yolwazi kanye nokwesekwa ngezeluleko ngezinqubo zokukhuthala okufanele:
Software
- Amagumbi edatha ebonakalayo asekelwe emafini ngamafemu afana ne-Datasite ne-SecureDocs
- Izinhlelo zokuxhumanisa iphrojekthi ngokukhuthala - DealCloud DD, Cognevo
- Amadeshibhodi okuqapha ubungozi avela ku-MetricStream, RSA Archer
Professional Services Networks
- “Big Four” amafemu okucwaningwa kwamabhuku kanye nokweluleka - Deloitte, PwC, KPMG, EY
- Izitolo ze-boutique zokukhuthala - CYR3CON, Mintz Group, Nardello & Co.
- Ozakwethu bophenyo oluyimfihlo batholakala emhlabeni jikelele
Ulwazi kanye Nemininingwane Yezobunhloli
- Izexwayiso zemidiya ezimbi, ukufakwa kwemithetho, izenzo zokuphoqelela
- Idatha yabantu abadalulwe ngokwepolitiki, uhlu lwamabhizinisi agunyaziwe
- Irejista yezinkampani zasekhaya nezamazwe ngamazwe
Izinhlangano Zezimboni
- I-Global Investigations Network
- I-International Due Diligence Organisation
- I-Overseas Security Advisory Council (OSAC)
Izitoreji Eziyinhloko
- Ukukhuthala kuhlanganisa ukuhlolwa kwangemuva okuhloswe ekutholeni ubungozi ngaphambi kwezinqumo ezinkulu
- Izinhloso zifaka phakathi ukuqinisekiswa kolwazi, ukuhlonza udaba, amandla okulinganisa
- Amasu ajwayelekile abandakanya ukusesha kwamarekhodi omphakathi, ukuqinisekiswa ngokwezifiso, ukuhlaziya kwezezimali
- Ukubona amafulegi abomvu kusenesikhathi kunika amandla ukuncishiswa kwengozi ngezinqubo zokukhuthala
- Ukukhuthala kudlala indima ebalulekile emisebenzini yamasu efana ne-M&A, ukukhetha abathengisi, ukuqasha
- Izinzuzo zihlanganisa izinqumo ezinolwazi, ukunciphisa ubungozi, ukwakhiwa kobudlelwane kanye nokubambelela ngokomthetho
- Ukulandela izinqubo ezingcono kakhulu kuqinisekisa ukusebenza kahle, kwekhwalithi ephezulu ngokufanele
Ngokunamandla okuletha izinguquko ezingcono kuzo zonke izizinda zokusebenza, zomthetho nezezimali, izinzuzo ekutshalweni kwezimali ngokukhuthala zenza izindleko zibe nenzuzo. Ukusebenzisa amathuluzi akamuva namasu kuyilapho unamathela ezimisweni eziyinhloko kwenza izinhlangano zikhulise inani.
Imibuzo Evame Ukubuzwa Ngokukhuthala
Yiziphi ezinye zezindawo ezibalulekile okugxilwe kuzo ngokukhuthala okufanele kwezezimali nokusebenza?
Izindawo ezibalulekile zihlanganisa ukuhlaziywa kwezitatimende zezezimali zomlando, ikhwalithi yokuhlolwa kweholo, ukwenziwa kahle kwezimali zokusebenza, ukubuyekezwa kwemodeli yokubikezela, ukulinganisa, ukuvakashelwa kwezindawo, ukuhlaziywa kwempahla, ukuhlolwa kwengqalasizinda ye-IT, nokuqinisekisa ukufaneleka komshwalense.
Ukukhuthala okufanele kudala kanjani inani ekuhlanganisweni nasekuthengeni?
Ukukhuthala kusiza abathengi ukuthi baqinisekise izimangalo zomthengisi, Ukuhlonza izilinganiso zokudalwa kwevelu njengokukhuliswa kwemali engenayo kanye nokubambisana kwezindleko, ukuqinisa izikhundla zezingxoxo, ukwenza ngcono izintengo, ukusheshisa ukuhlanganisa ngemva kokuvalwa, futhi kunciphise izimanga noma izinkinga ezimbi.
Yiziphi izindlela ezisiza ukuphenya izingozi zokukhwabanisa ngokucophelela?
Amathuluzi afana nokubala kwe-forensic, ukutholwa okudidayo, ukuhlola okumangalisayo, izindlela zokusampula zezibalo, izibalo, izinombolo zocingo eziyimfihlo, kanye nokuhlaziywa kokuziphatha kusiza ukuhlola amathuba okukhwabanisa. Ukuhlola okungemuva kubaphathi, ukuhlolwa kwezinzuzo, kanye nezingxoxo zababizi kunikeza izimpawu ezengeziwe.
Kungani kubalulekile ukukhuthala lapho ugibela ozakwethu bezinkampani zangaphandle?
Ukubuyekeza ukusimama kwezezimali, izinhlaka zokuthobelana, izimiso zokuphepha, izinhlelo zokuqhubeka kwebhizinisi, kanye nokuhlinzekwa komshwalense kwenza izinhlangano zikwazi ukukala ubungozi obukhona kumanethiwekhi abathengisi nabahlinzeki ngokusekelwe kumibandela eqinile.
Yiziphi izinsiza ezitholakalayo zokuhlola ingemuva lamazwe ngamazwe?
Amafemu ophenyo akhethekile agcina imininingo egciniwe yomhlaba wonke, ukufinyelela kwamarekhodi ezweni, amakhono okucwaninga ngezilimi eziningi, kanye nozakwethu bendawo basendaweni ukuze bathole amasheke angemuva kwamazwe ngamazwe ahlanganisa ukubuyekezwa kwecala, ukuqinisekiswa kobufakazi, ukuqapha abezindaba, nokuhlolwa kokulawula.
Ngezingcingo eziphuthumayo kanye ne-WhatsApp + 971506531334 + 971558018669
