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Личные данные – лучший подарок мошенникам на зимние праздникиВ период праздников у нас слишком много хлопот и безумный ритм жизни. Мошенники пользуются нашим положением, поэтому в это время как никогда важно защитить себя от кражи личных данных.
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Стандарт МСФО 17 и Директива Solvency IIПомимо директивы Solvency II, вступившей в силу в Европейском союзе в январе 2016 г., вскоре появится еще один регламент, который также кардинально изменит положение дел в сфере страхования — МСФО 17 (ранее — МСФО 4, фаза II).
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Сценарное стресс-тестирование: выходя за пределы нормативных требований Благодаря регуляторному стресс-тестированию банки получили навыки управления в условиях определенности.
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Analytics can help prevent substance use disorder and over-prescribingStates and MFCUs now have the analytics tools they need to change the trajectory of the opioid crisis by analyzing data and predicting trouble spots – whether in patients, prescribers, distributors or manufacturers. The OIG Toolkit with free SAS® programming code makes that possible.
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Страхование: мошенникам вход воспрещен!Как выявить, что вас обманывают агенты и страхователи, а также распознать первые признаки будущего мошенничества.
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What do drones, AI and proactive policing have in common?Law enforcement and public safety agencies must wrangle diverse data sets to be effective in their operations. Intelligence analysts are using that data to apply machine learning and AI for more proactive policing.
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Проактивное обнаружение - новый подход к борьбе с терроромЧтобы противостоять террору, следственным группам пора выяснить, что они могут сделать с уже имеющимися у них данными, просто применив немного иной подход или свежий взгляд.
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Аналитика SAS помогает финансовым разведкам выявлять риски и типологии отмывания денегSAS Россия/СНГ приняла участие в совместной встрече экспертов FATF по типологиям отмывания денег и финансирования терроризма, а также оценке рисков, и представила методологию разработанного подхода экспертам в области ПОД/ФТ из зарубежных ПФР и международных организаций.
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Предотвращение мошенничества в процессах заключения договоров и закупокКакие бы инструменты и процессы ни применялись на сегодняшний день, всегда есть возможность перейти на более высокий уровень, чтобы обеспечить более точное обнаружение фактов мошенничества на более ранних этапах, своевременное оповещение, а также сокращение количества ложноположительных результатов.
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Big data: The gold mine of investigative policingFind out what's needed to capitalize on big data for a significant impact your investigators' work and outcomes.
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Credit risk management is the answerLending and loan volume is back up to pre-crisis levels. But banks are facing higher delinquencies as well. That's why improving credit risk management is crucial.
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Analytics for prescription drug monitoringPrescription drug monitoring programs (PDMPs) are a great start in combating abuse of prescription drugs, but they could be doing much more. Better data and analytics can inform better treatment protocols, provider education and policy decisions – and save lives.
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Model risk management: Vital to regulatory and business sustainabilitySloppy model risk management can lead to failure to gain regulatory approval for capital plans, financial loss, damage to a bank's reputation and loss of shareholder value. Learn how to improve model risk management by establishing controls and guidelines to measure and address model risk at every stage of the life cycle.
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A modern cybersecurity strategy: Building a budgetA cybersecurity strategy requires more than just executive support. Learn how IT can get the tools and training designed to protect you from modern threats.
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The current state of stress testingMany banks struggle to keep pace with the demands of Dodd-Frank Act stress testing. Find out what risk professionals cite as the most pressing challenges.
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Управление кейсами или управление предупреждениями?В отрасли финансовых услуг термины «управление кейсами» и «управление предупреждениями» могут иметь несколько толкований в зависимости от области применения.
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Risk data infrastructure: Staying afloat on the regulatory floodWhat are the challenges of a risk data infrastructure and how can they be addressed? Here's what you need to know to build an effective enterprise risk and finance reporting warehouse.
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Как преодолеть разрыв между аналитикой финансовых преступлений и расследованиямиРекомендации по разработке программ противодействия мошенничеству с учетом процесса расследования
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Взгляд директора по рискам HSBC на борьбу с финансовыми преступлениямиСегодня, с ростом популярности инициатив «Узнай своего клиента», мы можем накапливать и анализировать большие объемы данных о клиентах. Это помогает минимизировать риски и эффективнее выявлять угрозы.
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Taking pre-emptive action to stem the tide of VAT fraud lossesEU countries lost an estimated €177 billion in VAT revenues in 2012. The solution? Hybrid analytics technology.
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Мониторинг транзакций: сегментировать или нет?Типичная программа мониторинга транзакций в рамках противодействия отмыванию денег (Anti-Money Laundering, AML) содержит сценарии, направленные на контроль клиентов и учетных записей, которые представляют наибольший риск для организации.
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Мобильные платежи, смурфы и новые угрозыИнновации охватили весь мир – даже где-нибудь в глухой кенийской деревне мобильный телефон служит местному жителю виртуальным кошельком. Но почему эта новая технология может стать потенциальным препятствием в борьбе с отмыванием доходов?
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ТОП-5 схем мошенничества по предоплаченной картеЛучшие практики для предотвращения мошенничества, защиты репутации и обеспечения качественного клиентского обслуживания.
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Data quality: The Achilles' heel of risk managementGiven the tightly regulated environment banks face today, the importance of data quality cannot be overstated. Beyond the obvious benefits of staying one step ahead of regulatory mandates, having accurate, integrated and transparent data will drive confident, proactive decisions to support a solid risk management foundation.
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A new arms race: Analytics for commodity market complianceRogue trading and dodgy deals are not the only things keeping chief risk officers awake. Today’s regulators now employ big data analytics to uncover troubles in the commodity swaps market. Staying ahead of innocent compliance errors – and quickly identifying the occasional bad actor from within – will require some tough analytics of your own.
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How to uncover common point of purchaseFor issuing banks, a critical aspect of controlling card fraud is CPP analysis. CPP analysis identifies the likely merchant location where card numbers were stolen, allowing banks to mitigate future fraud on other compromised cards.
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Understanding capital requirementsCredit risk classification systems have been in use for a long time, and with the advent of Basel II, those systems became the basis for banks’ capital adequacy calculations. What is needed going forward is an efficient and honest dialogue between regulators and investors on capitalization.
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Less talk, more actionLast week's announcement by The European Banking Authority of its 2014 EU-wide stress test triggered an uproar of divergent opinions and criticism that will rumble for some time. This new methodology will profoundly impact how the European and global economies evolve.
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Experts: Nothing simple about meeting regulatory requirementsExperts discuss the trends and technologies that affect how financial institutions handle the growing number of regulations and regulatory agencies. They answer the question of how data and analytics help.
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Are you covering who you think you’re covering? How rigorous are you in determining membership eligibility? If you are not diligent enough, you may be letting money slip out the door. In fact, by some estimates, between 4 and 18 percent of all health plan benefits are paid out in error due to eligibility fraud issues.
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Как визуализация данных помогает в борьбе с преступностьюПравоохранительные органы по всему миру все больше используют технологии визуализации данных. Так, в Северной Америке полицейские активно работают с системами видеонаблюдения, которые в реальном времени собирают сводки о преступлениях, сведения о дорожной ситуации, геопространственные, метеорологические и другие данные. Решения принимаются на основе достоверных и надежных сведений, что позволяет своевременно выделять необходимые ресурсы для результативного вмешательства и предупреждения преступлений. Визуализация данных открывает широкие возможности. Воспользуйтесь ими и вы!
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Fighting cyberwars with cyberanalyticsMike McConnell, former US Director of National Intelligence, told the US Senate, “If the United States were at cyberwar, it would lose.” If that is even remotely true, cyberdefenders need to be outfitted with the most effective weapon for winning the war – analytics.
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Attitudes toward liquidity risk have changedIn 2008, most banks took for granted that they would always have access to liquidity, and so they didn’t worry too much about liquidity risk. Even regulators worried little about it – until the danger was exposed.
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What is a risk model?Banks use multiple models to meet a variety of regulations (such as CCAR and Basel III). With increased scrutiny on model risk, bankers must establish a model risk management program for regulatory compliance and business benefits. Begin the planning by clearly defining what a risk model is.
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Why it's so easy to steal from insurance companies – and what to do about itThe former leader of a successful and sophisticated fraud enterprise that operated in Southern California recently spoke to a group of leading fraud investigators in Florida about how he was able to steal so much money from them, who does it and why it's so easy.
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How big data analytics can be the difference for law enforcementThe real value in big data analytics is that you don’t have to know what you’re looking for before you start. This is a huge benefit to law enforcement agencies that are facing tighter budgets and scarcer resources.
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Situational awareness – ‘seeing’ your security gapsIn the past, financial services organizations and government agencies have looked at cybersecurity as an IT problem. Today we know that we have to look at it as a risk management problem. Situational awareness should be part of the broader risk management strategy because cybersecurity isn’t just an IT problem.
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How police forces can use data to prevent crimePolice need to be given better access to data that will drive actionable intelligence and free up time to concentrate on investigating crime on the front line rather than dealing with time-consuming administrative tasks behind the scenes
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Шесть способов усовершенствовать обработку заявок на выплату страхового возмещенияПочему необходимо включить аналитику в стандартную процедуру обработки заявок? Применение аналитических инструментов в течение жизненного цикла заявки на выплату страхового возмещения поможет повысить окупаемость вложений и сократить затраты.
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Four themes running through the BCBS 239 principlesThe 14 principles of BCBS 239 cover a lot of ground, from IT infrastructure and governance to reporting. Understanding the four themes may aid in compliance. Donna Howe and Renzo Traversini outline those for you in this article.
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New payment methods fuel cyberattacksNew payment methods are fueling a rush of cyberattacks across the world, so collaboration between law enforcement and financial institutions is critical to protecting consumers’ money. Ellen Joyner discusses the latest research from Javelin Strategy & Research and Juniper Research, and provides best practices for arming your organization while protecting your customer relationships.
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20/20 vision of riskBanks need a holistic view of their data in order to accurately detect risk. They also must overcome the challenges associated with poor data quality and the "noise" generated by existing control systems. Laura Hutton, Director of Banking and Solutions at SAS, explains how technologies can improve a bank's visibility into operational risk.
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Are US banks ready for Basel III?The newly released Basel III final rules for capital adequacy will pose a challenge for banks that aren't prepared. But banks that are prepared stand to gain real business benefits from these evolving regulations. So what constitutes being prepared? Tom Kimner, head of the Americas Risk Practice at SAS, weighs in on the three things you need.
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Supercharging capital markets with real-time data and visualizationBy performing deeper analyses on data captured in-stream, and then injecting the results back into the business in real time, firms can better manage market risk, liquidity and counterparty credit risk during the trading day.
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How to analyze hedge fund risk with sparse dataIn the world of early-stage hedge funds, hedge fund managers are reluctant to share position-level data, because they don't want to reveal their strategies. That means that firms like Larch Lane Advisors must augment the limited data from these funds with information from hedge fund databases. And that's precisely why they chose SAS – for fast, reliable risk results from limited data.
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Containing health care costs: Analytics paves the way to payment integrityFor payment integrity, health care organizations need to uncover a wider range of abuse, waste and errors and data-driven analytics is making that possible.
Risk capital and lessons from the TitanicEconomic capital is that something extra that senior management needs for staying financially afloat in tough economic times. Tara Skinner uses the tale of the Titantic to describe risk capital risk management best practices.
Rethink Customer Due DiligenceGiven recently enacted compliance laws like the Foreign Account Tax Compliance Act (FATCA ), there’s never been a better time to re-examine your current CDD processes and enabling technology. Automated analytical tools can help you accurately segment and identify customers by the risk they represent so you can monitor them appropriately and make the best use of investigative resources.
Reducing the CCAR pain Theoretically, CCAR submissions can be developed and submitted using your existing risk and finance infrastructure. But there are some challenges to that approach. An analytic solution that is built to facilitate collaboration between risk and finance can produce some significant technical and business benefits.