{"id":7755,"date":"2026-07-17T10:11:54","date_gmt":"2026-07-17T08:11:54","guid":{"rendered":"https:\/\/industrynews.ro\/?p=7755"},"modified":"2026-07-17T10:11:54","modified_gmt":"2026-07-17T08:11:54","slug":"mediul-economic-si-riscul-financiar-personal-principalele-cauze-ale-fraudei-ce-pot-face-organizatiile","status":"publish","type":"post","link":"https:\/\/industrynews.ro\/en\/mediul-economic-si-riscul-financiar-personal-principalele-cauze-ale-fraudei-ce-pot-face-organizatiile\/","title":{"rendered":"Mediul economic \u0219i riscul financiar personal, principalele cauze ale fraudei: Ce pot face organiza\u021biile?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Organiza\u021biile din \u00eentreaga lume continu\u0103 s\u0103 navigheze printr-o perioad\u0103 prelungit\u0103 de incertitudine economic\u0103, caracterizat\u0103 de presiuni infla\u021bioniste, tensiuni geopolitice, perturb\u0103ri ale lan\u021burilor de aprovizionare, schimb\u0103ri \u00een dinamica comer\u021bului \u0219i volatilitate ridicat\u0103 a pie\u021bei. Ca urmare, multe organiza\u021bii sunt supuse unei presiuni tot mai mari pentru a reduce costurile, a men\u021bine profitabilitatea, a proteja fluxul de numerar \u0219i a atinge obiective ambi\u021bioase de performan\u021b\u0103 \u00eentr-un mediu de afaceri imprevizibil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Impactul acestor condi\u021bii dep\u0103\u0219e\u0219te cu mult performan\u021ba financiar\u0103. Incertitudinea economic\u0103 poate influen\u021ba semnificativ comportamentul angaja\u021bilor, procesul decizional etic \u0219i cultura organiza\u021bional\u0103. Conform <a href=\"https:\/\/www.ey.com\/en_gl\/insights\/forensic-integrity-services\/global-integrity-report\"><u>EY Global Integrity Report 2024<\/u><\/a>, aproape 50% dintre responden\u021bi au indicat mediul macroeconomic drept cea mai important\u0103 presiune extern\u0103 care favorizeaz\u0103 comportamentele neetice, sus\u021bine Iuliana R\u0103doi, Manager, Forensics, EY Rom\u00e2nia, \u00een cadrul unei noi analize.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Studiile <a href=\"https:\/\/www.acfe.com\/fraud-resources\/report-to-the-nations\"><u>ACFE<\/u><\/a>&nbsp;arat\u0103 de asemenea c\u0103 perioadele de stres economic coincid adesea cu o cre\u0219tere a riscului de fraud\u0103, pe m\u0103sur\u0103 ce angaja\u021bii \u0219i managerii se confrunt\u0103 cu preocup\u0103ri legate de situa\u021bia financiar\u0103 personal\u0103, a\u0219tept\u0103rile privind performan\u021ba \u0219i siguran\u021ba locului de munc\u0103. \u00cen acela\u0219i timp, organiza\u021biile pot fi nevoite s\u0103 func\u021bioneze cu resurse reduse, ceea ce poate genera vulnerabilit\u0103\u021bi \u00een procesele de supraveghere \u0219i \u00een sistemele de control intern.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Istoria a demonstrat c\u0103 incertitudinea poate crea, de asemenea, condi\u021bii care favorizeaz\u0103 apari\u021bia fraudei \u0219i a comportamentelor necorespunz\u0103toare. Pe m\u0103sur\u0103 ce presiunea cre\u0219te, iar controalele sunt afectate de reducerea costurilor, cele trei elemente ale Triunghiului Fraudei \u2013 presiunea, oportunitatea \u0219i ra\u021bionalizarea \u2013 devin mai pronun\u021bate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen cele ce urmeaz\u0103, sunt prezentate principalele mecanisme prin care incertitudinea amplific\u0103 riscul de fraud\u0103, impactul fraudei nedetectate \u0219i o serie de ac\u021biuni practice pe care organiza\u021biile le pot implementa pentru a adresa aceste provoc\u0103ri.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Factorul uman: stresul financiar personal \u0219i teama de pierdere a locului de munc\u0103<\/strong><strong><\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Una dintre cele mai importante \u0219i frecvent subestimate dimensiuni ale riscului de fraud\u0103 \u00een perioade de incertitudine este situa\u021bia financiar\u0103 personal\u0103 a angaja\u021bilor. Atunci c\u00e2nd costurile de trai cresc, veniturile gospod\u0103riei scad sau nivelul \u00eendator\u0103rii cre\u0219te, presiunea financiar\u0103 poate deveni acut\u0103. Incertitudinea poate afecta nu doar personalul executiv, ci \u0219i managerii \u0219i directorii ale c\u0103ror remunera\u021bii, bonusuri sau siguran\u021ba locului de munc\u0103 sunt legate de indicatori de performan\u021b\u0103. Cercet\u0103rile ACFE arat\u0103 \u00een mod constant c\u0103 presiunea financiar\u0103 personal\u0103 reprezint\u0103 cel mai frecvent factor motivator al fraudei ocupa\u021bionale, dep\u0103\u0219ind adesea influen\u021ba l\u0103comiei sau a oportunit\u0103\u021bii, luate separat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Teama de pierdere a locului de munc\u0103 amplific\u0103 \u0219i mai mult aceast\u0103 presiune. Atunci c\u00e2nd angaja\u021bii consider\u0103 c\u0103 postul lor este \u00een pericol, justific\u0103ri de tipul \u201es-ar putea s\u0103 nu mai fiu aici \u00een cur\u00e2nd\u201d sau \u201emerit asta pentru stresul suportat\u201d pot reduce barierele etice. \u00cen acest context, comportamentele necorespunz\u0103toare sunt adesea percepute ca o reac\u021bie de supravie\u021buire, mai degrab\u0103 dec\u00e2t ca o inten\u021bie deliberat\u0103 de a comite o fapt\u0103 frauduloas\u0103.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Integritate sub presiune \u0219i semnalele transmise de conducere<\/strong><strong><\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Perioadele de incertitudine testeaz\u0103 \u0219i cultura organiza\u021bional\u0103. Angaja\u021bii sunt extrem de sensibili la comportamentul liderilor \u00een momente dificile. Dac\u0103 presiunea pentru performan\u021b\u0103 \u00eencepe s\u0103 dep\u0103\u0219easc\u0103 importan\u021ba considera\u021biilor etice, comportamentele necorespunz\u0103toare se pot manifesta rapid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Raportul EY Global Integrity Report 2024 eviden\u021biaz\u0103 un decalaj tot mai mare \u00eentre mesajele transmise de conducere \u0219i comportamentele observate \u00een practic\u0103. Aproape patru din zece responden\u021bi la nivel global au declarat c\u0103 ar fi dispu\u0219i s\u0103 adopte comportamente neetice pentru a-\u0219i \u00eembun\u0103t\u0103\u021bi perspectivele de carier\u0103 sau situa\u021bia financiar\u0103. \u00cen medii caracterizate de incertitudine, astfel de semnale exercit\u0103 o influen\u021b\u0103 puternic\u0103 asupra comportamentului angaja\u021bilor \u0219i asupra culturii organiza\u021bionale.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Reducerea controalelor \u0219i oportunitatea<\/strong><strong><\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen timp ce presiunea \u0219i ra\u021bionalizarea cresc, organiza\u021biile se confrunt\u0103 adesea cu medii de control reduse. M\u0103surile de reducere a costurilor, diminuarea personalului \u0219i simplificarea proceselor pot reduce involuntar supravegherea \u0219i separarea atribu\u021biilor. Constat\u0103rile ACFE indic\u0103 faptul c\u0103 majoritatea cazurilor de fraud\u0103 ocupa\u021bional\u0103 implic\u0103 fie lipsa controalelor, fie eludarea acestora de c\u0103tre management (management override).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cempreun\u0103 cu anxietatea legat\u0103 de siguran\u021ba locului de munc\u0103, controalele reduse creeaz\u0103 oportunit\u0103\u021bi pentru apari\u021bia treptat\u0103 a comportamentelor necorespunz\u0103toare \u0219i permit ca acestea s\u0103 r\u0103m\u00e2n\u0103 nedetectate pentru perioade \u00eendelungate de timp.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Frauda \u00een achizi\u021bii \u0219i expunerea asociat\u0103 ter\u021bilor<\/strong><strong><\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Perioadele de incertitudine sporesc vulnerabilitatea la fraude \u00een procesul de achizi\u021bii \u0219i la fraude asociate ter\u021bilor. Presiunea de a asigura aprovizionarea, de a reduce costurile sau de a accelera deciziile comerciale poate sl\u0103bi procedurile de licita\u021bie \u0219i procesele de due diligence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Studiile \u0219i experien\u021ba practic\u0103 \u00een investigarea \u0219i combaterea fraudelor arat\u0103 \u00een mod constant c\u0103 rela\u021biile cu ter\u021bii reprezint\u0103 una dintre cele mai semnificative surse de risc de integritate. O parte important\u0103 a incidentelor grave de integritate implic\u0103 furnizori, intermediari sau al\u021bi parteneri externi, ceea ce eviden\u021biaz\u0103 necesitatea men\u021binerii unor procese riguroase de monitorizare \u0219i evaluare a ter\u021bilor, mai ales \u00een perioade caracterizate de instabilitate \u0219i incertitudine.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Raportarea financiar\u0103 \u0219i comportamentele motivate de supravie\u021buire<\/strong><strong><\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Presiunea economic\u0103 \u0219i preocup\u0103rile legate de restructurare pot afecta \u0219i raportarea financiar\u0103. Angaja\u021bii \u0219i managerii pot fi tenta\u021bi s\u0103 manipuleze rezultatele pentru a am\u00e2na m\u0103surile corective, a proteja unit\u0103\u021bile de afaceri sau a evita disponibiliz\u0103rile. Astfel de practici sunt adesea justificate ca m\u0103suri temporare menite s\u0103 ajute organiza\u021bia s\u0103 dep\u0103\u0219easc\u0103 dificult\u0103\u021bile pe termen scurt. Cu toate acestea, dovezile provenite din crizele anterioare demonstreaz\u0103 c\u0103 asemenea ac\u021biuni tind frecvent s\u0103 escaladeze \u0219i s\u0103 genereze, \u00een cele din urm\u0103, consecin\u021be financiare, juridice \u0219i reputa\u021bionale mult mai grave.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Modificarea apetitului la risc<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Incertitudinea economic\u0103 poate influen\u021ba nu doar riscul de fraud\u0103, ci \u0219i comportamentul de asumare a riscurilor \u00eentr-un sens mai larg. Cercet\u0103rile din domeniul comportamental sugereaz\u0103 c\u0103 oamenii sunt mai dispu\u0219i s\u0103 \u00ee\u0219i asume riscuri atunci c\u00e2nd \u00eencearc\u0103 s\u0103 evite poten\u021biale pierderi, dec\u00e2t atunci c\u00e2nd urm\u0103resc ob\u021binerea unor c\u00e2\u0219tiguri (<a href=\"https:\/\/www.econometricsociety.org\/publications\/econometrica\/1979\/03\/01\/prospect-theory-analysis-decision-under-risk\"><u>Kahneman &amp; Tversky, 1979<\/u><\/a>). Prin urmare, \u00een perioade caracterizate de presiuni financiare, insecuritate privind locul de munc\u0103 sau performan\u021be \u00een sc\u0103dere, angaja\u021bii \u0219i managerii pot fi mai \u00eenclina\u021bi s\u0103 ia decizii care, \u00een condi\u021bii normale, ar fi considerate excesiv de riscante sau nepotrivite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aceast\u0103 modificare a toleran\u021bei la risc poate contribui la apari\u021bia unor comportamente necorespunz\u0103toare, la eludarea controalelor interne, la raport\u0103ri financiare agresive sau la alte forme de conduit\u0103 lipsit\u0103 de etic\u0103, pe m\u0103sur\u0103 ce indivizii \u00eencearc\u0103 s\u0103 evite consecin\u021bele negative \u0219i rezultatele nefavorabile (<a href=\"https:\/\/www.mdpi.com\/1660-4601\/19\/5\/2886\"><u>Elshaer et al., 2022<\/u><\/a>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pre\u021bul ascuns al fraudei nedetectate<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una dintre cele mai mari provoc\u0103ri \u00een gestionarea riscului de fraud\u0103 \u00een perioade de incertitudine este faptul c\u0103 efectele acesteia sunt rareori imediate. Frauda \u0219i comportamentele necorespunz\u0103toare r\u0103m\u00e2n adesea nedetectate pentru perioade \u00eendelungate, cre\u00e2nd o fals\u0103 senza\u021bie de siguran\u021b\u0103 \u0219i impresia c\u0103 riscurile sunt gestionate eficient.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Potrivit raportului <em>ACFE Occupational Fraud 2026: Report to the Nations<\/em>, o schem\u0103 tipic\u0103 de fraud\u0103 ocupa\u021bional\u0103 r\u0103m\u00e2ne nedetectat\u0103 aproximativ 12 luni \u00eenainte s\u0103 fie descoperit\u0103. \u00cen acest interval, organiza\u021biile \u00eenregistreaz\u0103 pierderi medii de 1,5 milioane USD, iar \u00een unele cazuri pierderile pot ajunge p\u00e2n\u0103 la 4 milioane USD. Raportul eviden\u021biaz\u0103, de asemenea, c\u0103 impactul financiar cre\u0219te semnificativ cu c\u00e2t schema frauduloas\u0103 r\u0103m\u00e2ne nedescoperit\u0103 mai mult timp. Mai important, ACFE a constatat c\u0103 organiza\u021biile care dispun de controale antifraud\u0103 bine implementate detecteaz\u0103 fraudele mai rapid \u0219i \u00eenregistreaz\u0103 pierderi considerabil mai mici ca urmare a acestora (ACFE, 2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Punerea \u00een practic\u0103 a lec\u021biilor \u00eenv\u0103\u021bate: ce pot face organiza\u021biile<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen\u021belegerea rela\u021biei dintre incertitudine \u0219i riscul de fraud\u0103 reprezint\u0103 doar primul pas. Organiza\u021biile care reu\u0219esc s\u0103 gestioneze cu succes medii volatile sunt cele care \u00ee\u0219i adapteaz\u0103 \u00een mod proactiv cadrele de gestionare a riscului de fraud\u0103, \u00een loc s\u0103 presupun\u0103 c\u0103 mecanismele de control existente r\u0103m\u00e2n suficiente.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Adaptarea frecven\u021bei de evaluare a riscului de fraud\u0103 <\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Evalu\u0103rile de risc efectuate \u00een condi\u021bii obi\u0219nuite de business \u00ee\u0219i pot pierde rapid relevan\u021ba atunci c\u00e2nd presiunile economice, restructur\u0103rile, reducerea for\u021bei de munc\u0103 sau schimb\u0103rile intervenite \u00een modelul de afaceri modific\u0103 profilul de risc de fraud\u0103 al organiza\u021biei.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Acordarea unei mai mari aten\u021bii la semnalele care indic\u0103 presiuni asupra angaja\u021bilor<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Organiza\u021biile ar trebui s\u0103 acorde o aten\u021bie deosebit\u0103 indicatorilor de stres financiar, schimb\u0103rilor neobi\u0219nuite de comportament, tendin\u021bei de a evita supravegherea, refuzului de a lua concediu sau semnelor de dezangajare profesional\u0103, astfel \u00eenc\u00e2t s\u0103 poat\u0103 interveni din timp, \u00eenainte ca eventualele comportamente frauduloase sau neetice s\u0103 se manifeste.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Asigurarea protej\u0103rii controalelor-cheie \u00een cadrul programelor de optimizare a costurilor<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ini\u021biativele de cre\u0219tere a eficien\u021bei \u0219i de reducere a costurilor nu trebuie s\u0103 afecteze controalele esen\u021biale, precum separarea atribu\u021biilor, mecanismele de aprobare, reconcilierea periodic\u0103 a datelor \u0219i procesele de revizuire realizate de management, acestea constituind, de multe ori, prima linie de ap\u0103rare \u00eempotriva fraudei.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Consolidarea supravegherii rela\u021biilor cu ter\u021bii<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aplicarea unor m\u0103suri consolidate de verificare a ter\u021bilor, efectuarea periodic\u0103 a controalelor de integritate, analiza poten\u021bialelor conflicte de interese \u0219i monitorizarea continu\u0103 a tranzac\u021biilor pot ajuta organiza\u021biile s\u0103 identifice din timp riscurile asociate furnizorilor, distribuitorilor, agen\u021bilor \u0219i altor parteneri de afaceri.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00cencurajarea raport\u0103rii neregulilor \u0219i consolidarea mecanismelor de sesizare<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Existen\u021ba unor canale de raportare credibile \u0219i accesibile, protejarea avertizorilor de integritate \u0219i transmiterea constant\u0103 a mesajului c\u0103 toate preocup\u0103rile \u0219i sesiz\u0103rile vor fi analizate \u00een mod corect \u0219i impar\u021bial constituie m\u0103suri esen\u021biale de protec\u021bie, \u00een special atunci c\u00e2nd angaja\u021bii se tem de represalii sau de riscul pierderii locului de munc\u0103.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monitorizarea culturii organiza\u021bionale cu aceea\u0219i aten\u021bie ca cea acordat\u0103 performan\u021bei financiare<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Liderii organiza\u021biei trebuie s\u0103 reafirme \u00een mod constant faptul c\u0103 integritatea \u0219i respectarea regulilor nu sunt negociabile, diminu\u00e2nd riscul ca angaja\u021bii s\u0103 considere comportamentele neetice drept solu\u021bii acceptabile pentru a face fa\u021b\u0103 dificult\u0103\u021bilor economice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Organiza\u021biile care identific\u0103 din timp riscurile emergente, men\u021bin mecanisme eficiente de supraveghere, conserv\u0103 controalele critice \u0219i promoveaz\u0103 o cultur\u0103 a integrit\u0103\u021bii sunt mult mai bine preg\u0103tite s\u0103 previn\u0103 fraudele \u0219i s\u0103 \u00ee\u0219i protejeze valoarea pe termen lung. \u00cen contexte caracterizate de incertitudine, managementul riscului de fraud\u0103 nu ar trebui privit ca un simplu exerci\u021biu de conformitate, ci ca un instrument strategic de cre\u0219tere a rezilien\u021bei organiza\u021bionale, esen\u021bial pentru protejarea performan\u021bei, a \u00eencrederii \u0219i a reputa\u021biei, atunci c\u00e2nd vulnerabilit\u0103\u021bile sunt cele mai ridicate.<\/p>","protected":false},"excerpt":{"rendered":"<p>Organiza\u021biile din \u00eentreaga lume continu\u0103 s\u0103 navigheze printr-o perioad\u0103 prelungit\u0103 de incertitudine economic\u0103, caracterizat\u0103 de presiuni infla\u021bioniste, tensiuni geopolitice, perturb\u0103ri ale lan\u021burilor de aprovizionare, schimb\u0103ri \u00een dinamica comer\u021bului \u0219i volatilitate ridicat\u0103 a pie\u021bei. Ca urmare, multe organiza\u021bii sunt supuse unei presiuni tot mai mari pentru a reduce costurile, a men\u021bine profitabilitatea, a proteja fluxul de<\/p>","protected":false},"author":3,"featured_media":5200,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74],"tags":[],"class_list":["post-7755","post","type-post","status-publish","format-standard","has-post-thumbnail","category-companii"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Impactul acestor condi\u021bii dep\u0103\u0219e\u0219te cu mult performan\u021ba financiar\u0103. 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