电子银行的风险管理

内容概要

Jayaram Kondabagil is a management consultant based in Bangalore, India, with more than three decades of professional experience. His specialization includes risk management, information assurance, security management, business continuity planning and ban

书籍目录

List of Figures List of Tables Preface Acknowledgments Foreword PART I: INTRODUCTION TO E-BANKING 　Chapter 1 E-Banking Basics 　　Evolution of e-banking 　　Impact on traditional banking 　　E-banking components 　　Regulatory approval 　Chapter 2 E-Banking Risks 　　Strategic risk 　　Operational risk 　　Compliance risk 　　Reputational risk 　　Other risks 　　Risk management challenges 　　The five-pillar approach 　Chapter 3 Product and Service-specific Risks 　　Internet banking 　　Aggregation services 　　Bill presentment and payment 　　Mobile banking 　　Weblinking 　　Electronic money 　　Cross-border transactions 　　New products and services PART II: RISK MANAGEMENT 　Chapter 4 Risk Management Framework 　　Policies and procedures 　　Risk management process 　　Operational risk management 　　Governance and internal controls 　Chapter 5 Risk Management Organization 　　Organization structure 　　Board and senior management 　　Executive risk committee 　　IT management 　　Internal and external audit 　Chapter 6 International Standards 　　Basel Committee on banking supervision 　　COBIT 40 　　ISO 17799 　　OCTAVE 　　COSO – enterprise risk management 　　PCI data security standard 　　Financial Action Task Force 　　Corporate governance codes 　　Regulatory guidelines Part III: INFORMATION SECURITY 　Chapter 7 Information Security Management 　　Security objectives 　　Security controls 　　Security risk assessment 　　Classifi cation of controls 　　Monitoring and testing 　　Incident response plan 　Chapter 8 Operational Controls 　　Personnel issues 　　Segregation of duties 　　Technical issues 　　Database management 　　Change management 　　Backups and off-site storage 　　Insurance 　　Fraud management 　Chapter 9 Technical Controls 　　Logical access controls 　　Identifi cation and authentication 　　Authentication methods 　　Audit trails 　　Network security 　　Firewalls 　　Malicious code 　　Information security incidents PART IV: OUTSOURCING 　Chapter 10 Outsourcing in E-Banking 　　Types of outsourcing 　　Material outsourcing 　　Supervisory approach 　　Key risks of outsourcing 　　Board and senior management responsibility 　　Outsourcing policy 　Chapter 11 Managing Outsourced Services 　　Outsourcing decisions 　　Risk assessment and control 　　Service provider due diligence 　　Offshoring 　　Contingency plans 　　Customer service 　　Monitoring and audit 　Chapter 12 Outsourcing Contracts 　　Contractual provisions 　　Right of access clauses 　　Termination clause 　　Offshoring contracts 　　Confi dentiality and security clauses 　　Business continuity clauses PART V: BUSINESS CONTINUITY 　Chapter 13 Business Continuity Management 　　The main drivers 　　Board and senior management responsibility 　　Components of BCM 　　Business impact analysis 　　BIA methodologies 　　Recovery strategy 　Chapter 14 Business Continuity Plan 　　Major components of BCP 　　Continuity management team 　　Recovery procedures 　　Resource requirements 　　External communications 　　Plan maintenance 　　Awareness and training 　　Testing of BCP 　　Testing methods 　Chapter 15 Data Centers and Alternate Sites 　　Evolution of data centers 　　Location of the sites 　　Mitigating concentration risk 　　Data center design 　　Logistics management 　　Maintenance procedures 　　Alternate site models 　　External support 　　Business continuity in real life PART VI: LEGAL AND REGULATORY COMPLIANCE 　Chapter 16 Compliance Function 　　Organization of the compliance function 　　Board and senior management responsibility 　　Role of regulators 　Chapter 17 Major Compliance Issues 　　Anti-money laundering 　　Know your customer (KYC) 　　Suspicious activities 　　Privacy of customer information 　　Information disclosures 　　Customer education 　High-level review checklist 　Acronyms 　Glossary 　References Index

作者简介

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 Risk Management in Electronic Banking is a comprehensive study of the concepts and best practices in electronic banking. It fills a badly needed global requirement for not only bankers but all users of electronic banking. The book gives an excellent review of the wide scope of electronic banking on traditional banking and business methods. It then delves into the risks inherent in e-banking including strategic, operational, compliance, reputational and others... Jayaram Kondabagil, has produced an excellent work which will be the key reference for anyone involved in electronic banking." -- Mark Mobius, Managing Director, Templeton Asset Management Ltd         "Risk Management in Electronic Banking is written in a simple and easy to understand style and it provides a broad overview of electronic banking. It also highlights the importance of risk management and addresses a gap in extant literature on the subject. Aimed at a global audience, the consolidated checklist at the end of the book is useful and a notable feature is that it also includes outsourcing risks, which though of recent origin has already made a big impact in financial services sector. This topical book will be a useful read for senior management executives." -- Professor R.Vaidyanathan, Finance & Control, UTI Chair Professor & Chairperso, Centre for Capital Market and Risk Management, Indian Institute of Management

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