{"id":7749,"date":"2021-05-25T08:48:54","date_gmt":"2021-05-25T06:48:54","guid":{"rendered":"https:\/\/golem.ai\/blog\/conformite-secteur-bancaire\/"},"modified":"2022-04-22T12:07:55","modified_gmt":"2022-04-22T10:07:55","slug":"conformite-secteur-bancaire","status":"publish","type":"post","link":"https:\/\/miralia.ai\/en\/blog\/conformite-secteur-bancaire","title":{"rendered":"Conformit\u00e9 et risk management dans le secteur bancaire"},"content":{"rendered":"

Les \u00e9tablissements de cr\u00e9dit et les entreprises d’investissements sont soumis \u00e0 des r\u00e8gles de conformit\u00e9, et doivent s’en pr\u00e9munir pour \u00e9viter d’\u00e9ventuelles sanctions. \u00c9valuation des potentielles pertes financi\u00e8res, mesure du degr\u00e9 de non-conformit\u00e9 d\u2019une entit\u00e9 \u00e9conomique, conseil… Cette mission men\u00e9e par le Chief Compliance Officer consiste \u00e0 pr\u00e9voir, et ce dans des d\u00e9lais tr\u00e8s courts.<\/h3>\n

<\/p>\n

Un march\u00e9 in\u00e9gal <\/h2>\n

Sur le march\u00e9 de la conformit\u00e9 dans le secteur bancaire<\/strong>, la majeure partie des acteurs qui fournissent des solutions sont regroup\u00e9s sous l\u2019appellation Gouvernance, Risk and Compliance Management. En \u00e9tudiant leurs valeurs, on d\u00e9couvre que le segment Risk Management p\u00e8se \u00e0 lui seul environ 180 milliards de dollars en 2019 (en cumulant les valeurs des segments Risk Management*<\/span>, Transaction Monitoring**<\/span> et Information Security***<\/span>). Le secteur bancaire repr\u00e9sente \u00e0 lui seul 11% de ce segment, soit 19,8 milliards de dollars en 2019 et avec un taux de croissance de 18,7% par an. <\/p>\n

Le segment Compliance Management<\/strong>, en comparaison, repr\u00e9sente 18 Milliards de dollars au global et environ 2 milliards de dollars uniquement sur le secteur bancaire. Le Risk Management<\/strong> est aujourd\u2019hui dix fois plus gros que le march\u00e9 de la compliance alors que le nombre de normes et de r\u00e9glementations ne cesse d\u2019augmenter depuis 2008. <\/p>\n

<\/p>\n

Lorsque la non-compliance devient un risque<\/h2>\n

Les entreprises du secteur bancaire ont de plus en plus de mal \u00e0 suivre le rythme impos\u00e9 par les l\u00e9gislateurs et les organismes de r\u00e9glementation. \u00catre conforme avec l\u2019ensemble des lois et des normes<\/strong> devient un vrai casse-t\u00eate, pourtant, le nombre d\u2019embauches dans la conformit\u00e9 du secteur bancaire a explos\u00e9 depuis 2008.<\/p>\n

Sans solution fiable, simple \u00e0 impl\u00e9menter et pouvant d\u00e9livrer la preuve de la conformit\u00e9 lors de l\u2019audit<\/strong>, les rappels \u00e0 l\u2019ordre et les p\u00e9nalit\u00e9s se multiplieront. C\u2019est pour cela que la conformit\u00e9, ou plut\u00f4t la non-conformit\u00e9, est trop souvent g\u00e9r\u00e9e comme un risque. Ce qui explique en partie que les budgets allou\u00e9s \u00e0 la gestion du risque soient dix fois plus cons\u00e9quents que ceux allou\u00e9s \u00e0 la gestion de la conformit\u00e9.<\/p>\n

\"\"<\/a><\/p>\n

L\u2019exemple de la norme MIFID II<\/h2>\n

La conformit\u00e9, c\u2019est la capacit\u00e9 de r\u00e9pondre aux exigences et aux crit\u00e8res des organismes de r\u00e9glementation et surtout d\u2019en apporter la preuve. Prenons l\u2019exemple de la r\u00e9glementation MIFID II<\/strong> (ou MIF 2)****<\/span> de janvier 2018, un cadre l\u00e9gislatif institu\u00e9 par l’Union europ\u00e9enne (UE) pour r\u00e9glementer les march\u00e9s financiers et am\u00e9liorer la protection des investisseurs. Son objectif est de normaliser les pratiques dans toute l’UE et de restaurer la confiance dans l’industrie.<\/p>\n

Ainsi, les courtiers doivent fournir des rapports plus d\u00e9taill\u00e9s sur leurs transactions – 50 types de crit\u00e8res – y compris des informations sur les prix et les volumes. Ils doivent stocker toutes les communications, conversations t\u00e9l\u00e9phoniques comprises; et \u00eatre capable d\u2019apporter la preuve de leurs bonnes pratiques. Selon un rapport de l\u2019AMF*****<\/span>, les \u00e9tablissements bancaires sont maintenant pourvus de syst\u00e8me d\u2019enregistrement et d\u2019archivage mais il reste des progr\u00e8s \u00e0 faire en mati\u00e8re de reporting, de d\u00e9tection et de gestion d\u2019incidents<\/strong>. <\/p>\n

<\/p>\n

Golem.ai et la compliance<\/h2>\n

Si le processus de conformit\u00e9 repose sur la capacit\u00e9 de prouver que nous remplissons tous les crit\u00e8res exig\u00e9s par les r\u00e9gulateurs, Golem.ai peut d\u00e9finitivement \u00eatre d\u2019une grande aide pour les entreprises assujetties \u00e0 ces normes. La plate-forme Golem.ai repose sur un moteur de compr\u00e9hension du langage naturel<\/strong> et permet d\u2019analyser d\u2019importants volumes de donn\u00e9es non structur\u00e9es<\/strong> (textes, conversations t\u00e9l\u00e9phoniques) et s\u2019assure que tous les crit\u00e8res de la norme sont respect\u00e9s. Pour tous vos \u00e9changes soumis \u00e0 des r\u00e8glements, Golem.ai vous propose un score de conformit\u00e9 bas\u00e9 sur votre grille de lecture et votre expertise. <\/p>\n

Cela devient donc simple de prouver que les conversations t\u00e9l\u00e9phoniques, ou que les \u00e9changes \u00e9crits, r\u00e9pondent aux crit\u00e8res de la norme. 
Vous pouvez \u00e9galement d\u00e9tecter les incidents<\/strong> et mettre en place des reportings p\u00e9riodiques. Notre intelligence artificielle symbolique, frugale et \u00e9thique a deux b\u00e9n\u00e9fices fondamentaux pour les banques : d\u2019abord, assurer la preuve de la conformit\u00e9 aux normes tout en \u00e9vitant les p\u00e9nalit\u00e9s; puis de r\u00e9duire les budgets allou\u00e9s au Risk management excluant la non-conformit\u00e9 de la liste des risques. <\/p>\n

<\/p>\n

D\u00e9couvrez comment notre technologie permet d\u2019am\u00e9liorer la compliance<\/strong><\/a> dans le secteur bancaire gr\u00e2ce notre solution traitement de donn\u00e9es DocuChecker<\/b><\/a>. N\u2019h\u00e9sitez pas \u00e0 contacter nos \u00e9quipes<\/strong><\/a> si vous avez la moindre question !<\/p>\n

* https:\/\/www.alliedmarketresearch.com\/risk-management-software-market<\/span><\/em>
** https:\/\/www.marketwatch.com\/press-release\/global-transaction-monitoring-market-size-share-and-growth-to-register-159-cagr-through-2024-2021-05-10?tesla=y#:~:text=Expert%20verbatim%20infers%20that%20the,USD%208690%20million%20in%202019<\/span><\/em><\/p>\n

*** https:\/\/www.globenewswire.com\/news-release\/2021\/03\/17\/2194254\/0\/en\/Global-Cybersecurity-Market-Size-to-Grow-at-a-CAGR-of-12-5-from-2021-to-2028.html#:~:text=The%20global%20cybersecurity%20market%20size,the%20global%20market%20for%20cybersecurity<\/span><\/em><\/p>\n

**** https:\/\/www.amf-france.org\/fr\/actualites-publications\/dossiers-thematiques\/mif-2<\/span><\/em><\/p>\n

***** https:\/\/www.amf-france.org\/sites\/default\/files\/2020-07\/missions-spot-record-keeping_synthese-fr_0.pdf<\/span><\/em><\/p>\n

<\/p>\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

La conformit\u00e9 c\u2019est respecter des r\u00e8gles \u00e9volutives, et pr\u00e9venir le risque. Une analyse continue qui peut \u00eatre aujourd\u2019hui simplifi\u00e9e !<\/p>","protected":false},"author":5,"featured_media":7751,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[68],"tags":[],"class_list":["post-7749","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"\nLa conformit\u00e9 dans le secteur des banques<\/title>\n<meta name=\"description\" content=\"Une entreprise a pour obligation de respecter les normes et r\u00e8gles d'une bonne conformit\u00e9. 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