Diseño de un modelo de gestión para la administración del riesgo operativo en el Bancodesarrollo, agencia Riobamba, provincia de Chimborazo

Abstract

This research is mainly based on the design of policies and procedures, and activities to enhance the operational management at BANCODESARROLLO, Agency of Riobamba, Chimborazo Province. The overall objective of this research is to design a management model for operational risk management at BANCODESARROLLO, Agency of Riobamba, Chimborazo Province in order to mitigate failed processes that generate losses to the institution. The management model for operational risk management is based on the regulations issued by the Superintendency of Banks and insurance, which enabled me to establish guidelines in order to minimize the probability of incurring financial losses attributable to operational risk and thus to be able meet the objectives that govern the institution. The development of management model used techniques such as surveys, interviews and direct observation, in order to obtain information. As a first step the lifting process, where the shortcomings of each area were determined, these findings could identify events and factors causing them, and through assessment scales in the risk matrix, we obtained an approach overall risk profile in the bank. Through the plan of corrective and preventive action to improve both the rulers, operational and support processes were established the recommendations.