In dit nummer:
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Interview Simone Heidema
Wij spraken onlangs met Simone Heidema over het verslag van de lunchcauserie, zoals dat verschenen is in het vorige nummer van
Banking & Finance (Banking & Finance maart 2010, p.44) Simone is als oprichtster en Managing Partner van CPI Governance betrokken
bij de Code Banken en heeft daar zeker haar eigen mening over. Reden voor ons om haar eens aan de tand te voelen over dit
onderwerp.
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Everyone Entrepreneur
New regulations issued by local or international regulators, increasing competition
in the retail and private banking business,decreasing margins as a result of lower risk appetite… This is merely a subset of the changes that the fi nancial industry has seen over the last couple of years. All these challenges must be addressed to avoid further impact on shareholder value. Projective ensures that these projects and programs are delivered in time and within budget.
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De NMa blijft wel blaffen maar bijt geen bank
`Geen kartel tussen banken met betrekking tot de hypotheekrentes´ luidt de
conclusie van de NMa in haar rapport dat vorige maand is verschenen. Een bijzondere conclusie nadat de NMa een probleem had gesignaleerd met het rentetarief nu de afgelopen twee jaren de financieringskosten zijn gedaald maar deze niet aan de consumenten worden doorberekend.
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Dodelijke vragen tijdens interviews financiële professionals
De afgelopen jaren zat de arbeidsmarkt wat ruimer in zijn jasje, maar ook nu
het aantal vacatures weer stijgt, krijgen financiële dienstverleners nog altijd een
groot aantal geïnteresseerde kandidaten op hun advertenties. De grotere keus
aan kandidaten heeft geleid tot steeds langere sollicitatieprocedures, meerdere
gesprekken voordat een sollicitant wordt aangenomen, meer vooronderzoek en
uitdagende ‘dodelijke’ vragen.
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Succes loopt via de operationeel manager
De aandacht voor prestatieverbetering blijft bij financiële dienstverleners onverminderd groot. Naast de kostenbeheersing staat ook de verhoging van de klanttevredenheid hoog in het vaandel. Bedrijven komen onder een toenemende druk te staan. Niet alleen moet de interne organisatie op orde zijn, maar men mag de klant in het gehele proces niet uit het oog verliezen.
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Shared Payment Infrastructure, a questioning approach
In recent times, we often come across the terms ‘Shared Payments Infrastructure’,
‘Payment Hub’, ‘Payment Services Hub’, ‘Integrated Payment Hub’, ‘Universal
Payments Capability’ and so on. While the names are many, they convey more or less
the same idea i.e. an integrated system, which can cater to payments processing
needs across all origination channels, execution channels, customer types,
instrument types and transaction types.
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The role of Security within Social Networks
Last week researchers unveiled a “dating database” consisting of 250,000 users. This was not just any ordinary dating site where one registers to and agrees to post their information. Rather, the dating profiles were based on public information that the researchers gathered from Facebook profiles. Many people at this point cried out “Privacy!”.
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Nederlandse bedrijven onvoldoende voorbereid op creditcard fraud
De wereldwijde leverancier van IT security en compliance oplossingen Tripwire kondigde onlangs de resultaten aan van een onderzoek in Nederland naar compliance
met de PCI DSS (Payment Card Industry Data Security Standard).
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Genuanceerd denken over de toekomst van cash
In april publiceerde G4S Cash Solutions – onderdeel van het grootste beveiligingsbedrijf ter wereld – het Cash Report 2011. Het rapport biedt een primeur: voor het eerst geven alle betrokken partijen hun visie op de toekomst van cash én op het veiliger en efficiënter maken van de cash cycle. In dit verband dient het Cash Report vooral ook als discussiestuk. De makers willen ‘de feitelijke
basis leggen voor een integraal overleg tussen alle stakeholders met betrekking tot het meest wenselijke toekomstscenario voor ons chartaal betalingsverkeer’. De beoogde discussie start direct na het ten doop houden van het Cash Report, op vrijdag 8 april in het Amstel Hotel.
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“Outlook of Regulatory Framework Reforms”
Prompted by the recent financial crisis, changes to the international banking and regulatory landscape have been introduced that will significantly impact the future of the financial sector and the economy. The latest initiatives for regulatory reform at EU level will not only change the structure of the financial markets and the face of European and global banking, but will also create many new challenges.
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“The Value of Smarter Credit Risk”
Every bank executive knows that meeting tougher risk regulations is a costly necessity. However, the right approach to ordering and leveraging investments can also provide far-reaching business benefits, including higher revenues and profits.
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“Risk Management Governance”
The independence of the risk functions from commercial pressure is a key element
for ensuring their effectiveness. However, various views exist about how to best
implement a risk governance structure and the role of the risk manager. One such
view, although sometimes regarded as being simplistic, uses the ‘three lines of
defence’ model to achieve tangible results.
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“The Impact of the New European Supervisory Framework on Risk Management”
The changes recently been made to the European framework for supervising the
banking and financial sectors are quite extensive, but just how will they affect
banking and financial operators at national and European level? To answer this
question, Banking & Finance magazine decided to consult an acknowledged expert
in this field in order to receive a first-hand account of the extent and implications of recent changes to European law.
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“Scenario Analysis: the basis for a holistic approach to risk management”
This topic was explained by two speakers at the Congress. The first speaker (Hubert
Brogniez from Finalyse) presented a general overview of risk management in
terms of risk culture scenarios and practices. The second speaker (Michel Philippens from SAS) then briefly outlined a typical case study for capital planning: one of the most strategic applications of scenario management in financial institutions.
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“The Security Target Operating Model in Retail Banking”
This topic was explained by two speakers at the Congress. The first speaker (Philippe Duhamel from BNP Paribas Fortis) described the objectives of the initial
Identity & Access Management model. The second speaker (Catarina de Sa Nogueira
from Kurt Salmon) then outlined the migration to a joint project between BNP Paribas Fortis and Kurt Salmon referred to as the Security Target Operating Model.
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“Challenges beyond the regulatory reforms: capital standards, stress testing and risk management”
The European Commission has devised a plan for enhancing European financial supervision and for monitoring the banking, insurance and securities markets, where
new authorities will have the power to draft and enforce a single set of EU-wide rules. Although this has obvious advantages in terms of sharing administration and expertise and avoiding unnecessary overlaps in supervisory tasks, we have yet to see whether the implementation of such a plan will be as straightforward as it sounds. Banking & Finance therefore decided to ask a well-seasoned Basel Committee veteran to share his views.
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Prévisibilité des risques judiciaires en matière bancaire : tendances récentes
Au cours d’un workshop organisé dans le cadre du Congrès Risk@360 degrees,
Jean-Pierre Buyle, Bâtonnier du Barreau de Bruxelles et Maître de conférences à
l’ULB, a présenté les tendances récentes en matière de prévisibilité des risques
judiciaires pour la banque.
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Une approche à 180 degrés de la gestion de risque des sociétés
Marcel Le Moine, Administrateur indépendant et Conseiller de TriFinance, a
axé son exposé dans le cadre du Congrès Risk@360 degrees sur l’importance de
ce mal aimé qu’est le risk management pourtant incontournable. Encore faut-il
que cette gestion soit intelligente.
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Foreign Account Tax and Compliance Act
On 18 March 2010, the US Congress passed the Foreign Account Tax and Compliance Act
(FATCA) as part of its Hiring Incentives to Restore Employment Act (HIRE Act). FATCA’s provisions, incorporated into Chapter 4 of the US Internal Revenue Code, have been enacted with a clear goal: to prevent tax evasion by US persons using foreign investments or foreign accounts to conceal their assets and avoid paying US tax.
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Fortinet worldwide leader in Unified Threat Management
Fortinet’s vision has always been to develop comprehensive security to corporate
networks, through a single platform, which offers simplicity, streamlined installation and management, while offering at the same time the ability to update all the security functions concurrently. Fortinet has pursued that vision of Unified Threat Management (UMT) for the last 10 years and has become the leading provider of network security applications.
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