Electronic Channel Risk Management: ATM, CRM & Internet Banking
Electronic Channel Risk Management: ATM, CRM & Internet Banking
Description
Perkembangan layanan digital perbankan telah meningkatkan penggunaan electronic channel seperti ATM, Cash Recycling Machine (CRM), internet banking, mobile banking, dan berbagai kanal transaksi elektronik lainnya. Kehadiran layanan ini memberikan kemudahan dan efisiensi bagi nasabah, namun juga meningkatkan eksposur terhadap berbagai risiko operasional, cyber risk, fraud, gangguan sistem, hingga risiko reputasi dan kepatuhan.
Ancaman seperti skimming, phishing, malware, account takeover, system downtime, hingga penyalahgunaan akses menjadi tantangan utama yang harus dikelola secara terintegrasi oleh bank. Oleh karena itu, diperlukan penguatan electronic channel risk management agar layanan digital tetap aman, andal, resilient, dan sesuai dengan regulasi serta standar keamanan industri.
Pelatihan ini dirancang untuk memberikan pemahaman komprehensif mengenai pengelolaan risiko pada electronic channel banking, mulai dari identifikasi risiko, pengamanan infrastruktur, monitoring transaksi, incident handling, hingga governance dan operational resilience pada kanal digital perbankan.
Objectives
Setelah mengikuti pelatihan ini, peserta diharapkan mampu:
- Memahami konsep electronic channel risk management di industri perbankan.
- Mengidentifikasi risiko operasional dan cyber risk pada ATM, CRM, dan internet banking.
- Memahami ancaman fraud digital dan metode mitigasinya.
- Mengimplementasikan kontrol keamanan pada electronic channel.
- Mengembangkan monitoring dan incident response terhadap transaksi elektronik.
- Memastikan operational resilience dan business continuity layanan digital.
- Memahami governance dan regulatory compliance terkait electronic banking.
- Menyusun strategi peningkatan keamanan dan keandalan kanal elektronik bank.
Course outline
1. Fundamental Electronic Channel Banking
- Konsep electronic banking channel
- Evolusi layanan digital perbankan
- Jenis-jenis electronic delivery channel
- Arsitektur sistem electronic banking
- Risk landscape digital banking modern
2. Regulatory & Compliance Framework
- Regulasi electronic banking dan keamanan transaksi
- Ketentuan perlindungan data nasabah
- Regulatory expectation terhadap cyber resilience
- Compliance requirement layanan digital banking
- Audit dan pelaporan insiden electronic channel
3. ATM & CRM Risk Management
- Risiko operasional ATM dan CRM
- Skimming, card trapping, dan cash trapping
- Malware ATM dan jackpotting attack
- Physical security ATM/CRM
- Cash management risk
- Monitoring dan preventive maintenance ATM
4. Internet Banking & Digital Transaction Security
- Risiko internet banking dan mobile banking
- Phishing, social engineering, dan credential theft
- Multi-factor authentication (MFA)
- Session security & transaction monitoring
- Device security & user behavior analytics
- Fraud prevention strategy
5. Cybersecurity for Electronic Channel
- Cyber threat landscape sektor perbankan
- Network security & endpoint protection
- Encryption & secure communication
- Vulnerability assessment & penetration testing
- Security operation center (SOC)
- Threat intelligence & cyber monitoring
6. Fraud Detection & Transaction Monitoring
- Fraud pattern identification
- Real-time transaction monitoring
- Behavioral analytics & anomaly detection
- Anti-fraud system integration
- Early warning indicator transaksi mencurigakan
- Incident escalation process
7. Operational Resilience & Incident Management
- Business continuity untuk electronic channel
- Disaster recovery strategy
- System availability & uptime management
- Incident response & crisis management
- Service disruption handling
- Root cause analysis & corrective action
8. Governance & Third-Party Risk
- Governance electronic banking services
- Vendor & managed service provider risk
- Outsourcing ATM dan switching service risk
- SLA management
- Risk ownership dan accountability
- Three Lines of Defense dalam electronic channel management
9. Emerging Technology & Future Risk
- QR payment & contactless transaction risk
- Open API dan embedded finance risk
- AI-based fraud detection
- Cloud banking security
- Future digital banking threat
- Digital operational resilience framework
10. Case Study & Workshop
- Studi kasus fraud ATM dan internet banking
- Simulasi incident handling cyber attack
- Workshop electronic channel risk assessment
- Analisis kelemahan kontrol keamanan
- Penyusunan action plan peningkatan keamanan kanal elektronik
Participants
- Electronic Banking
- Information Technology
- Risk Management
- Compliance&ApuPpt
- Audit Internal
- Operational
- Retail Banking
- Customer Service
- Finance
- Leadership Program
Method
- Pre-test
- Presentation
- Discussion
- Case study
- Post-test
Facilities
- Ruang Meeting Representatif
- Sertifikat Pelatihan Resmi
- Instruktur Profesional & Berpengalaman
- Training Kit Eksklusif
- Souvenir
- Pick Up Participant (Yogyakarta)
