
RISKBOND
»õ·Î¿î ¸®½ºÅ© ¹× ¸®½ºÅ© ÇÁ·ÎÆÄÀÏ (risk profiles) º¯°æ¿¡ ½Å¼ÓÇÏ°Ô ´ëÀÀ
RiskBond ´Â end-to-end ¸®½ºÅ© ÇÁ·Î¼¼½º Àü¹Ý¿¡ °ÉÃÄ ÅëÇÕµÈ ´ÜÀÏ (single) Ç÷§Æû¿¡¼ ÇÙ½É ¸®½ºÅ© °ü¸® Ȱµ¿À» Áß¾Ó ÁýÁßÈÇÏ°í ´Ü¼øÈÇÕ´Ï´Ù. ½ºÇÁ·¹µå½ÃÆ® ¶Ç´Â ¼·Î ´Ù¸¥ ¼Ö·ç¼Ç ±×·ì°ú ºñ±³ÇÏ¿©, RiskBond ´Â Á¶Á÷ÀÇ Àü·«Àû ¸ñÇ¥ÀÇ ¸Æ¶ô¿¡ ¸®½ºÅ©¸¦ ¹èÄ¡ÇÕ´Ï´Ù. À̸¦ ÅëÇØ ¸ðµç »ç¶÷ÀÌ °¡Àå Áß¿äÇÑ ¹®Á¦¿¡ ÁýÁßÇϰí, ¸®½ºÅ© Áߺ¹¼º (duplication) À» ÃÖ¼ÒÈÇϸç, °·ÂÇÑ ´Üü ¸®Æ÷Æ® (collective reporting) ¸¦ »ý¼ºÇÒ ¼ö ÀÖ½À´Ï´Ù.
¶ÇÇÑ ÀÌ ¼ÒÇÁÆ®¿þ¾î´Â ¸®½ºÅ© ÁöÇ¥¸¦ Æò°¡ (assessment) ÇÁ·Î¼¼½º¿¡ ¿øÈ°ÇÏ°Ô ÅëÇÕÇÏ¿© ÁÖ°ü¼ºÀ» ³·Ãä´Ï´Ù. ºÐ»êµÈ ÆÀÀÌ ¿ø°Ý workshops ¸¦ ÅëÇØ ¸®½ºÅ©¸¦ ½Äº°ÇÏ°í ¸®½ºÅ© Æò°¡ (risk assessments) ¸¦ Áý°èÇÒ ¼ö ÀÖµµ·Ï Áö¿øÇÕ´Ï´Ù. ÀÌ´Â, dzºÎÇÏ°í »ç¿ëÇϱ⠽¬¿î (easy-to-use) ÀÎÅÍÆäÀ̽º¸¦ ÅëÇØ ÃÖÀü¹æ (frontline) ÆÀÀÇ Âü¿©¸¦ ±Ø´ëÈÇÕ´Ï´Ù. Áï, ¸®½ºÅ© °ü¸®°¡ ÇÁ·Î¼¼½º °ü¸®¿¡ ¼Ò¿äµÇ´Â ½Ã°£ÀÌ ÁÙ¾îµé°í, º¯È¸¦ °¡Á®¿À±â À§ÇØ ´õ ¸¹Àº ½Ã°£À» ¼ÒºñÇÑ´Ù´Â °ÍÀ» ÀǹÌÇÕ´Ï´Ù.
[Risk workshops: identification & assessment]
[Real-time risk reporting]
[Integrated assurance ]
RiskBond ¸¦ ¼±ÅÃÇØ¾ß ÇÏ´Â ÀÌÀ¯?
»çÈÄ ´ëÀÀÀû (Reactive) Á¶Ä¡ ¿¡¼ ¿¹ÃøÀû Á¶Ä¡ (predictive action) ·Î ÀüȯÇÏ¿©, °æ¿µÁøÀÇ ¸®½ºÅ© ±â¹Ý ÀÇ»ç °áÁ¤À» °³¼±ÇÕ´Ï´Ù.
ºü¸£°Ô ÁøÇàµÇ°Å³ª »õ·Ó°Ô ºÎ»óÇÏ´Â ¸®½ºÅ©¸¦ ½Å¼ÓÇÏ°Ô ½Äº°ÇÏ°í ´ëóÇÕ´Ï´Ù.
¸®½ºÅ© Áý°è ¹× ¸®Æ÷Æ®¸¦ ´Ü¼øÈÇÏ¿© ¿µÇâ°ú ´ëÀÀ (impacts & responses) À» º¸´Ù Àß ÆÄ¾ÇÇÒ ¼ö ÀÖ½À´Ï´Ù.
°·ÂÇÑ "À§Çè ¹®È (risk culture)" ¸¦ µ¶·ÁÇϱâ À§ÇØ »çÀÏ·Î È¿°ú (organizational silos) ¸¦ Á¦°ÅÇÕ´Ï´Ù.
Æò°¡ ¹× ¸®Æ÷Æ® (Assessments & reporting) ¿¡¼ µ¥ÀÌÅÍ Á᫐ (data-driven) ÀÇ ¸®½ºÅ© ÁöÇ¥¸¦ ÅëÇØ ÁÖ°ü¼ºÀ» ÁÙÀÔ´Ï´Ù.
´ÜÀÏ Ç÷§Æû (Single platform) À» ÅëÇØ, °Å¹ö³Í½º ¹× ¾î½´·±½º ÆÀ (governance & assurance teams) °£ÀÇ Á¶Á¤ (alignment) À» ¼öÇàÇÕ´Ï´Ù.
"HighBond ¸¦ »ç¿ëÇϸé, °áÇÕµÈ ¸®½ºÅ© ¹× ÄÄÇöóÀ̾𽺠¾î½´·±½º (risk & compliance assurance) ¿¡ ´ëÇÑ °´°üÀûÀΠǥÇö (objective picture) À» ½±°Ô »ý¼ºÇÒ ¼ö ÀÖ½À´Ï´Ù. ¿ì¸®´Â ¿ì¸® ÀÚ½ÅÀÇ Æ®·£Àè¼Ç µ¥ÀÌÅ͸¦ ÅëÇØ ¿ì¸® ÀÚ½ÅÀÇ ¼º°ú ¹× ´ç¸é °úÁ¦¸¦ ¿Ïº®ÇÏ°Ô ÆÄ¾ÇÇÒ ¼ö ÀÖ½À´Ï´Ù."
- Rod Verhulp, VP of Finance, Equinix
ÁÖ¿ä±â´É
- RISK WORKSHOPS: ½Äº° ¹× Æò°¡ (IDENTIFICATION & ASSESSMENT)
Ç÷§Æû¿¡¼ Á÷Á¢, ¿ø°Ý ¹× ½Ç½Ã°£ (remote & live) À¸·Î risk workshops ¸¦ ¿¹¾à (schedule) ÇÏ°í ¼öÇàÇÕ´Ï´Ù.
¸ð´ÏÅ͸µ µÈ ¸®½ºÅ© ÁöÇ¥ (risk indicators) ¸¦ ±â¹ÝÀ¸·Î ¸®½ºÅ© Æò°¡ (risk assessments) ¸¦ ÀÚµ¿ÈÇÕ´Ï´Ù.
Àü·«Àû ¸ñÇ¥¸¦ S&P500 10K ¸®Æ÷Æ®¿¡¼ °ËÁõµÈ °øÅëÀûÀÎ ÇÙ½É ¸®½ºÅ© (key risks) ¿¡ ¸ÅÇÎ (mapping) ÇÏ¿© ¸ð¹ü »ç·Ê (best practices) ¸¦ »ç¿ëÇÔÀ¸·Î½á risk universe ¸¦ ¸ðµ¨¸µÇÕ´Ï´Ù.
¸®½ºÅ©ÀÇ º¸À¯¼ºÇâ ¹× ¿µÇâ (appetite & impact) ¿¡ µû¶ó ¸®½ºÅ©ÀÇ ¿ì¼±¼øÀ§ (prioritize) ¸¦ Á¤ÇÕ´Ï´Ù.
ÀϰüµÈ ¸®½ºÅ© ½Äº°À» À§ÇØ Àü·«Àû ¸ñÇ¥ (strategic objectives) ¸¦ ¸ÅÇÎ (map) ÇÕ´Ï´Ù.
¼±º°µÈ ¸®½ºÅ© ¶óÀ̺귯¸® (Curated risk library) ¸¦ »ç¿ëÇÏ¿© ¸®½ºÅ©¸¦ ½Äº°ÇÏ°í ºÐ·ù (identify & catalog) ÇÕ´Ï´Ù.
- ½Ç½Ã°£ (REAL TIME) ¸®½ºÅ© ¸®Æ÷Æ®
½Ç½Ã°£ (Real-time) À¸·Î KPI ¹× KRI ¸¦ ¸ð´ÏÅ͸µÇÕ´Ï´Ù.
½Ã°£ °æ°ú¿¡ µû¶ó º¯ÈÇÏ´Â ¸®½ºÅ© Ãß¼¼ (risk trends) ¸¦ ½Ã°¢È (visualize) ÇÒ ¼ö ÀÖ½À´Ï´Ù.
Áï°¢ÀûÀÎ leadership-level ÀÇ ½Ç½Ã°£ ¸®½ºÅ© È÷Æ® ¸Ê (real-time risk heat maps) À» »ý¼ºÇÕ´Ï´Ù.
Board-level (ÀÌ»çȸ Â÷¿ø) ÀÇ ¼ºÇâ (appetite) ¿¡ ´ëÀÀÇÏ¿© ¸®½ºÅ© ¼ÒÀ縦 Áï°¢ÀûÀ¸·Î ÆÄ¾ÇÇÕ´Ï´Ù.
¸®½ºÅ© ¸ÞÆ®¸¯/ÁöÇ¥ (metrics/indicators) °¡ Á¤ÀÇµÈ ÀÓ°è °ªÀ» ÃʰúÇϸé ÀÚµ¿ ¾Ë¸² (automatic notifications) À» ¹Þ½À´Ï´Ù.
- ÅëÇÕ ¾î½´·±½º (INTEGRATED ASSURANCE)
Áßø ¹× Áߺ¹ (Overlap & duplication) À» ÁÙÀ̱â À§ÇØ, ³»ºÎ ¹× ¿ÜºÎ ¾î½´·±½º (assurance) Á¦°øÀÚÀÇ ¾÷¹«¸¦ Á¶Á¤ÇÕ´Ï´Ù.
Àü·«Àû ¸®½ºÅ© (Strategic risks) ¸¦ ¼¼ °¡Áö ¹æ¾î ¶óÀο¡ °ÉÃÄ ¾î½´·±½º ÇÁ·¹ÀÓ¿öÅ© (assurance frameworks) ¿¡ ¿¬°á (link) ÇÕ´Ï´Ù.
Á¶Á÷ÀÇ ½Ç½Ã°£ ¾î½´·±½º ¸Ê (real-time assurance map) À» ÀÚµ¿À¸·Î »ý¼ºÇϸç, °ü½É ¿µ¿ªÀ» ÇÏÀ̶óÀÌÆ® Ç¥½Ã (highlighting) ÇÕ´Ï´Ù.
¸®½ºÅ© ÇÁ·ÎÆÄÀÏ (Risk profile) ¿¡¼ º¯°æÀÌ ¹ß»ýÇÒ ¶§ ¾Ë¸²À» ÀÚµ¿È (automate notifications) ÇÕ´Ï´Ù.
Ç¥ÁØÈµÈ Æò°¡ ¹æ¹ý·Ð (Standardized assessment methodology) À» ÅëÇØ Á¶Á÷ Àü¹Ý¿¡ °ÉÃÄ Àϰü¼ºÀ» Ãß±¸ÇÕ´Ï´Ù.
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