2. erm tm 2

MOHAMAD HASSAN AK., MAFIS, QIA, CRMP, CRMA

RISK MANAGEMENT PROCESS

RISK IDENTIFICATION

RISK MEASUREMENT

RISK MITIGATION / CONTROL

RISK MONITORING RISK

MGT

PROCESS

THE RISK MANAGEMENT PROCESS

The Risk

Management

Process

Identify &

Assess Risks

Document Risk

Acceptance Decision

Acceptable

Organizational

Objectives

Identify Current

Control s

No

Yes

Action

Identify & Assess

Residual Risks

Objectives harus ‘SMART’:

S pecific

M easurable

A ttainable

R ealistic

T imeframe

Exposure analysis

Asset (Aktiva)

Environmental analysis

Lingkungan usaha

Threat Scenario

Ancaman terhadap proses

bisnis

Brainstorming questions

Financial Assets: Cash, Securities, Credit Physical Assets: Land, Building,

Equipment Human Assets: Knowledge, Skills Intangible Assets: Reputation,

Information

Exposure analysis

Physical

Economic

Regulation

Competition

Customers

Suppliers

Union

Technology

Threat:

Theft

Fraud

Disaster

Errors

Omissions

Delays

Scenario:

Penjelasan aset

Jenis ancaman

Konsekuensi

Bagaimana terjadinya

Definisi Risiko :

Kemungkinan suatu “event” atau “circumstance” pada suatu “operasional set-up” tertentu akan menjadi hambatan bagi pencapaian tujuan organisasi.

Tiga unsur risiko:

1.) “Event” dan “Circumstances”

Jenis Risiko

2.) “Operational Set-up” Internal

External

3.) Hambatan pencapaian tujuan

Konsekuensi

Penyebab

Insufficient training

CAUSES EVENTS CONSEQUENCES

Lack of management

supervision

Inadequate

auditing procedures

Inadequate security

measures

Poor HR

policies

Poor systems

design

Inadequate

segregation of duties

External

Fraud

Employment Practices

& Workplace Safety

Clients, Products

& Business Practices

Damage to

Physical Assets

Business Disruption

& System Failures

Execution, Delivery &

Process Management

Internal

Fraud Regulatory, Compliance

& Taxation Penalties

Restitution

Loss of Recourse

Reputation

Business Interruption

EFFECTS

Monetary

Losses

OTHER

IMPACTS

Forgone

Income

•

•

•

Write-down

Loss or Damage

to Assets

Legal Liability