{"id":6098,"date":"2021-02-09T14:34:20","date_gmt":"2021-02-09T13:34:20","guid":{"rendered":"https:\/\/blogs.imf-formacion.com\/blog\/mba\/?p=6098"},"modified":"2021-02-09T14:34:21","modified_gmt":"2021-02-09T13:34:21","slug":"riesgo-operacional-finanzas-definicion-perdidas","status":"publish","type":"post","link":"https:\/\/blogs.imf-formacion.com\/blog\/mba\/riesgo-operacional-finanzas-definicion-perdidas\/","title":{"rendered":"Riesgo operacional en Finanzas: definici\u00f3n y perdidas"},"content":{"rendered":"<div class=\"blogs-antes-del-contenido\" id=\"blogs-3271548976\"><a href=\"https:\/\/www.imf-formacion.com\/comunicacion\/descargar-gratis-guia-mejor-perfil-linkedin-perfecto\/\" target=\"_blank\">\r\n\t<img decoding=\"async\" src=\"https:\/\/d2xtbylwu97mzb.cloudfront.net\/\/blog\/prevencion-riesgos-laborales\/wp-content\/uploads\/2020\/06\/730x67-Guia-Linkedin.gif\";>\r\n<\/a><\/div><input type=\"hidden\" value=\"\" data-essbisPostContainer=\"\" data-essbisPostUrl=\"https:\/\/blogs.imf-formacion.com\/blog\/mba\/riesgo-operacional-finanzas-definicion-perdidas\/\" data-essbisPostTitle=\"Riesgo operacional en Finanzas: definici\u00f3n y perdidas\" data-essbisHoverContainer=\"\">\n<p>En los \u00faltimos tiempos, la gesti\u00f3n de riesgos ha cambiado notablemente, no solo por las directrices de los acuerdos de Basilea y la regulaci\u00f3n de los entes econ\u00f3micos en cada pa\u00eds, sino tambi\u00e9n por otros factores como la globalizaci\u00f3n y sofisticaci\u00f3n tecnol\u00f3gica de la operativa bancaria y los <a href=\"https:\/\/www.imf-formacion.com\/masters-oficiales\/mba-oficial-online\"><strong>mercados financieros<\/strong><\/a>. <\/p>\n\n\n\n<p>Por otro lado, varios problemas de conocimiento p\u00fablico, como fracasos corporativos, quiebras de entidades y corrupci\u00f3n, han creado una gran preocupaci\u00f3n por la exposici\u00f3n a riesgos en general y, particularmente, hacia el<strong> riesgo operacional<\/strong>.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_73e352-7e, .wp-block-kadence-advancedheading.kt-adv-heading_73e352-7e[data-kb-block=\"kb-adv-heading_73e352-7e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_73e352-7e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_73e352-7e[data-kb-block=\"kb-adv-heading_73e352-7e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h2 id=\"kt-adv-heading_73e352-7e\" class=\"kt-adv-heading_73e352-7e wp-block-kadence-advancedheading\"><strong>\u00bfQu\u00e9 es riesgo operacional?<\/strong><\/h2>\n\n\n\n<p>El <strong>Comit\u00e9 de Basilea II<\/strong><a href=\"#_ftn1\"><sup>[1]<\/sup><\/a> defini\u00f3 el riesgo operacional como:<\/p>\n\n\n\n<p><strong>\u201c<em>El riesgo de p\u00e9rdida debido a la inadecuaci\u00f3n o fallos de los procesos, el personal y los sistemas internos o bien a causa de acontecimientos externos.<\/em>\u201d<\/strong><\/p>\n\n\n\n<p>Esta definici\u00f3n incluye el riesgo legal<a href=\"#_ftn2\"><sup>[2]<\/sup><\/a>, pero excluye el riesgo estrat\u00e9gico<a href=\"#_ftn3\"><sup>[3]<\/sup><\/a> y reputacional<a href=\"#_ftn4\"><sup>[4]<\/sup><\/a>.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_6dc94d-2f, .wp-block-kadence-advancedheading.kt-adv-heading_6dc94d-2f[data-kb-block=\"kb-adv-heading_6dc94d-2f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_6dc94d-2f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_6dc94d-2f[data-kb-block=\"kb-adv-heading_6dc94d-2f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h3 id=\"kt-adv-heading_6dc94d-2f\" class=\"kt-adv-heading_6dc94d-2f wp-block-kadence-advancedheading\">M\u00e9todo del Indicador B\u00e1sico, M\u00e9todo Est\u00e1ndar y M\u00e9todo de Medici\u00f3n Avanzada<\/h3>\n\n\n\n<p>Tambi\u00e9n estableci\u00f3 un marco de referencia para la cuantificaci\u00f3n del riesgo operativo, proponiendo que el c\u00e1lculo de los requerimientos de capital asociados al riesgo operacional se efect\u00fae utilizando los siguientes m\u00e9todos: <strong>M\u00e9todo del Indicador B\u00e1sico, M\u00e9todo Est\u00e1ndar y M\u00e9todo de Medici\u00f3n Avanzada<\/strong> (conocido como AMA por sus siglas en ingl\u00e9s <em>Advanced Measurement Approaches<\/em>). <\/p>\n\n\n\n<p>Los dos primeros se calculan de una forma simplificada con un coeficiente de exigencia de capital aplicado a los ingresos medios brutos anuales pero, en el tercero, el c\u00e1lculo se hace sobre la exposici\u00f3n real de la entidad al riesgo operacional. <\/p>\n\n\n\n<p>En cambio, en el m\u00e9todo AMA se tiene en cuenta tanto los modelos estad\u00edsticos como el an\u00e1lisis de escenarios, en el que juega un papel muy importante el juicio de los expertos para colocar el riesgo en contexto y definir acciones de mejora.<\/p>\n\n\n\n<p>Para el tratamiento de la informaci\u00f3n cualitativa existen diferentes herramientas como los cuestionarios de <strong>autoevaluaci\u00f3n<\/strong>, <strong>mapas de riesgo, indicadores de riesgo, cuadro de mando integral y an\u00e1lisis de escenarios<\/strong>, que son adecuadas principalmente para la identificaci\u00f3n de riesgos potenciales de exposici\u00f3n.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-mba-imf wp-block-embed-mba-imf\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"NFREMS87SX\"><a href=\"https:\/\/blogs.imf-formacion.com\/blog\/mba\/riesgo-capital-reputacional-empresa\/\">Riesgo y capital reputacional: c\u00f3mo afectan a una empresa<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"\u00abRiesgo y capital reputacional: c\u00f3mo afectan a una empresa\u00bb \u2014 MBA \u2022 IMF\" src=\"https:\/\/blogs.imf-formacion.com\/blog\/mba\/riesgo-capital-reputacional-empresa\/embed\/#?secret=NFREMS87SX\" data-secret=\"NFREMS87SX\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_03d434-fc, .wp-block-kadence-advancedheading.kt-adv-heading_03d434-fc[data-kb-block=\"kb-adv-heading_03d434-fc\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_03d434-fc mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_03d434-fc[data-kb-block=\"kb-adv-heading_03d434-fc\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h2 id=\"kt-adv-heading_03d434-fc\" class=\"kt-adv-heading_03d434-fc wp-block-kadence-advancedheading\"><strong>Tipos de perdidas en un riesgo operacional<\/strong><\/h2>\n\n\n\n<p>Por otro lado, el acuerdo de Basilea II defini\u00f3 la clasificaci\u00f3n de los eventos de p\u00e9rdidas relacionadas con el riesgo operacional, los cuales se detallan a continuaci\u00f3n:<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><style>.wp-block-kadence-advancedheading.kt-adv-heading_39a116-4f, .wp-block-kadence-advancedheading.kt-adv-heading_39a116-4f[data-kb-block=\"kb-adv-heading_39a116-4f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_39a116-4f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_39a116-4f[data-kb-block=\"kb-adv-heading_39a116-4f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h3 id=\"kt-adv-heading_39a116-4f\" class=\"kt-adv-heading_39a116-4f wp-block-kadence-advancedheading\">Fraude interno<\/h3>\n\n\n\n<p>P\u00e9rdidas debido a actos de tipo destinado a defraudar, apropiarse indebidamente de la propiedad o eludir las regulaciones, la ley o la pol\u00edtica de la empresa, excluidos los eventos de diversidad y\/o discriminaci\u00f3n, que involucran al menos a una parte interna.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_a97cc1-be, .wp-block-kadence-advancedheading.kt-adv-heading_a97cc1-be[data-kb-block=\"kb-adv-heading_a97cc1-be\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_a97cc1-be mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_a97cc1-be[data-kb-block=\"kb-adv-heading_a97cc1-be\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h3 id=\"kt-adv-heading_a97cc1-be\" class=\"kt-adv-heading_a97cc1-be wp-block-kadence-advancedheading\">Fraude externo<\/h3>\n\n\n\n<p>P\u00e9rdidas debidas a actos de tipo destinado a defraudar, apropiarse indebidamente de la propiedad o eludir la ley, por parte de un tercero.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_a27cdb-2e, .wp-block-kadence-advancedheading.kt-adv-heading_a27cdb-2e[data-kb-block=\"kb-adv-heading_a27cdb-2e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_a27cdb-2e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_a27cdb-2e[data-kb-block=\"kb-adv-heading_a27cdb-2e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h3 id=\"kt-adv-heading_a27cdb-2e\" class=\"kt-adv-heading_a27cdb-2e wp-block-kadence-advancedheading\">Malas pr\u00e1cticas de empleo y seguridad laboral<\/h3>\n\n\n\n<p>P\u00e9rdidas derivadas de actos incompatibles con las leyes o acuerdos de empleo, salud o seguridad, del pago de reclamaciones por lesiones personales o de eventos de diversidad \/ discriminaci\u00f3n<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_5b3a45-c1, .wp-block-kadence-advancedheading.kt-adv-heading_5b3a45-c1[data-kb-block=\"kb-adv-heading_5b3a45-c1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_5b3a45-c1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_5b3a45-c1[data-kb-block=\"kb-adv-heading_5b3a45-c1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h3 id=\"kt-adv-heading_5b3a45-c1\" class=\"kt-adv-heading_5b3a45-c1 wp-block-kadence-advancedheading\">Pr\u00e1cticas inadecuadas con clientes, productos o negocios<\/h3>\n\n\n\n<p>P\u00e9rdidas que surgen de un incumplimiento involuntario o negligente de una obligaci\u00f3n profesional con clientes espec\u00edficos (incluidos los requisitos fiduciarios y de idoneidad), o de la naturaleza o el dise\u00f1o de un producto.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_297915-0a, .wp-block-kadence-advancedheading.kt-adv-heading_297915-0a[data-kb-block=\"kb-adv-heading_297915-0a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_297915-0a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_297915-0a[data-kb-block=\"kb-adv-heading_297915-0a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h3 id=\"kt-adv-heading_297915-0a\" class=\"kt-adv-heading_297915-0a wp-block-kadence-advancedheading\">Da\u00f1os a activos f\u00edsicos<\/h3>\n\n\n\n<p>P\u00e9rdidas derivadas de p\u00e9rdidas o da\u00f1os a activos f\u00edsicos por desastres naturales u otros eventos.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_63ea3b-f1, .wp-block-kadence-advancedheading.kt-adv-heading_63ea3b-f1[data-kb-block=\"kb-adv-heading_63ea3b-f1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_63ea3b-f1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_63ea3b-f1[data-kb-block=\"kb-adv-heading_63ea3b-f1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h3 id=\"kt-adv-heading_63ea3b-f1\" class=\"kt-adv-heading_63ea3b-f1 wp-block-kadence-advancedheading\">Interrupci\u00f3n del negocio y fallas en los sistemas<\/h3>\n\n\n\n<p>Se trata de p\u00e9rdidas econ\u00f3micas ocasionadas por ca\u00eddas en los sistemas o cualquier otro fallo inform\u00e1tico.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_5bf0df-8c, .wp-block-kadence-advancedheading.kt-adv-heading_5bf0df-8c[data-kb-block=\"kb-adv-heading_5bf0df-8c\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_5bf0df-8c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_5bf0df-8c[data-kb-block=\"kb-adv-heading_5bf0df-8c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h3 id=\"kt-adv-heading_5bf0df-8c\" class=\"kt-adv-heading_5bf0df-8c wp-block-kadence-advancedheading\">Fallos en la ejecuci\u00f3n y gesti\u00f3n de los procesos<\/h3>\n\n\n\n<p>Debidas a las\u00a0 relaciones con contrapartes comerciales y proveedores.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<p>Las p\u00e9rdidas asociadas a este tipo de riesgo pueden originarse en fallas de los procesos, en la tecnolog\u00eda, en la actuaci\u00f3n de las personas, y tambi\u00e9n, debido a la ocurrencia de eventos extremos externos. Para su evaluaci\u00f3n, se utilizan generalmente, las siguientes dos variables:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><em>La frecuencia o probabilidad de suceso de un evento de riesgo<\/em><\/strong>, que consiste en el n\u00famero de ocasiones en la se detecta la presencia de eventos causales de riesgo.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><em>La severidad, o importancia del impacto de los eventos de riesgo<\/em><\/strong> sobre los resultados o el patrimonio de la empresa.<\/li><\/ul>\n\n\n\n<p>Estas variables son fundamentales para cuantificar las p\u00e9rdidas utilizando modelos estad\u00edsticos. Sin embargo, la identificaci\u00f3n del riesgo operacional conlleva todo un proceso de autoevaluaci\u00f3n y diagn\u00f3stico al que puede contribuir la labor de la auditor\u00eda interna, siendo de gran utilidad los instrumentos cualitativos para identificar y vigilar los riesgos.<\/p>\n\n\n\n<p>El<a href=\"https:\/\/www.imf-formacion.com\/masters-oficiales\/mba-oficial-online\"><strong> <em>MBA oficial<\/em><\/strong><\/a><strong><em> de IMF ICE <\/em><\/strong>proporciona los instrumentos y las herramientas necesarias para identificar y diagnosticar y dar respuesta al comportamiento del consumidor del producto moda desde cualquier \u00f3ptica socioecon\u00f3mica.\u00a0\u00a0<\/p>\n\n\n\n<p><strong>Dr. Agust\u00edn Torres Mart\u00ednez<\/strong>, Profesor de <strong>Direcci\u00f3n Financiera<\/strong> en el<strong> <\/strong><a href=\"https:\/\/www.imf-formacion.com\/masters-oficiales\/mba-oficial-online\"><strong>M\u00e1ster Universitario en Direcci\u00f3n de Empresas<\/strong> <\/a>de I<strong>MF Businss School.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-mba-imf wp-block-embed-mba-imf\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"7MuyfSsrVy\"><a href=\"https:\/\/blogs.imf-formacion.com\/blog\/mba\/gestionar-riesgo-impago\/\">C\u00f3mo gestionar el riesgo de impago en una relaci\u00f3n comercial<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"\u00abC\u00f3mo gestionar el riesgo de impago en una relaci\u00f3n comercial\u00bb \u2014 MBA \u2022 IMF\" src=\"https:\/\/blogs.imf-formacion.com\/blog\/mba\/gestionar-riesgo-impago\/embed\/#?secret=7MuyfSsrVy\" data-secret=\"7MuyfSsrVy\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading_d8c74e-d6, .wp-block-kadence-advancedheading.kt-adv-heading_d8c74e-d6[data-kb-block=\"kb-adv-heading_d8c74e-d6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading_d8c74e-d6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading_d8c74e-d6[data-kb-block=\"kb-adv-heading_d8c74e-d6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<h2 id=\"kt-adv-heading_d8c74e-d6\" class=\"kt-adv-heading_d8c74e-d6 wp-block-kadence-advancedheading\"><strong>Informaci\u00f3n extra sobre el riesgo operacional<\/strong><\/h2>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a href=\"#_ftnref1\">[1]<\/a> Es el segundo acuerdo del Comit\u00e9 de Supervisi\u00f3n Bancaria de Basilea publicado en el a\u00f1o 2004 con el objeto de establecer los requerimientos de capital necesarios para que las entidades est\u00e9n protegidas frente a riesgos financieros y operativos.<\/p>\n\n\n\n<p><a href=\"#_ftnref2\">[2]<\/a> Riesgo legal: es la posibilidad de ser sancionado, multado u obligado a pagar da\u00f1os punitivos como resultado de acciones del supervisor o de acuerdos privados entre las partes.<\/p>\n\n\n\n<p><a href=\"#_ftnref3\">[3]<\/a> Riesgo estrat\u00e9gico: es la posibilidad de elegir una estrategia err\u00f3nea que pueda afectar los resultados.<\/p>\n\n\n\n<p><a href=\"#_ftnref4\">[4]<\/a> Riesgo reputacional: es la posibilidad de sufrir p\u00e9rdidas cuando es nombre de la entidad es afectado disminuyendo la confianza en la integridad de la instituci\u00f3n.<\/p>\n","protected":false},"excerpt":{"rendered":"<input type=\"hidden\" value=\"\" data-essbisPostContainer=\"\" data-essbisPostUrl=\"https:\/\/blogs.imf-formacion.com\/blog\/mba\/riesgo-operacional-finanzas-definicion-perdidas\/\" 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