风险管理框架与工具.pptxVIP

NavigatingMobileMoneyRegulatoryRisks

RiskManagement

FrameworkTool

RiskManagementFrameworkoverview

02/10

Monitoringandreview

Communicationandconsultation

NavigatingMobileMoneyRegulatoryRisks:RiskManagementFrameworkTool

Reputationalrisk

Reputationalrisk,shownatthecentreofthediagramandthereforecriticalandtouchingallotherrisks,isbetterclassifiedasaconsequentialrisk.Allthenineprimaryriskstriggereventsthat,if

unmanaged,leadtoreputationalharm.ThisperspectiveinDFSunderscoreshowreputationalimpactiscumulativeandmultifaceted,directlylinkedtohowwellotherriskareasaremanaged.

01

Strategicrisk

Thisreferstothepotentialforlossesornegativeimpactonanorganization’sgoalsandlong-termobjectivesduetodecisionsorexternalchangesthatafecttheirstrategicdirection.

02

Regulatory

risk

Regulatoryriskisthepotentialforfinancialloss,operationaldisruption,orreputationaldamage

thatanorganizationmayfaceduetochangesinregulations,laws,policies,ornon-compliancewithexistingregulatoryrequirements.

03

Operationalrisk

Operationalriskisthepotentialforlossresultingfromfailuresininternalprocesses,people,systems,orexternaleventsthatdisruptnormalbusinessoperations.

04

Technology

risk

Technologyriskisthepotentialfornegativeimpactarisingfromfailureintechnologysystemsandcybersecuritythreats.

05

Fraudrisk

Fraudriskisthepossibilityofmisrepresentationoffactsordeceptiontothedetrimentofaparty.

Mobilemoneyfraudisdefinedasfraudthattakesplaceonassetsownedorheldbyamobilemoneyservicetothedetrimentofamobilemoneyserviceprovider,itscustomers,agentsorthirdparties.

06

Thirdparty

risk

Third-partyriskisthepotentialfornegativeimpactsonanorganizationduetorelianceonexternalentitiessuchasITvendors,integrators,partners,mobilemoneya