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Corporate Controls

Security Management

To keep itself up to date on questions of security focused on the prevention and combat of electronic fraud, Banco do Brasil constantly reviews its internal processes, particularly with regard to identification and authentication for the use of the service channels (Internet Banking, Mobile Banking, ATM machines, telephone, etc.), and in the safeguarding of the secrecy of information and transactions realized, to avoid identity theft.

The security of the service channels is based on the use of access credentials (personal data, in addition to passwords or registered devices), associated with the use of rules of security, for example the application of specific limits for transaction values, in addition to the online monitoring of the system, which is carried out on an uninterrupted basis.

To maintain a high level of security, BB has a number of important ongoing projects, with the use of leading-edge technology such as the use of biometric identification for the autentification of clients at ATM machines (TAA), the introduction of artificial intelligence in the financial transaction monitoring processes, as well as through the distribution of Token devices, for the digital signature of users and the carrying out of financial transactions via the Internet channel.

In 2010, Banco do Brasil began the introduction of a new IT Governance model, to cope with the current and future needs of the Organization. The concept adopted is the proposal by the ITGI – Information Technology Governance Institute.

With respect to the prevention and combat of attempted fraud, at its branches and through its website, BB makes information and security solutions available, and also offers the Frequent Questions option with regard to the use and security of the service channels. In addition to this, BB's portal on the Internet has a security module which acts as a firewall for the computer in the carrying out of financial transactions. Material informing clients about the secure use of ATM terminals, is available at the branches, and the client also has the backing of Technical Support which monitors activities that deviate from set patterns.

Also with the aim of strengthening the prevention and combat of fraud, Banco do Brasil participates in the Tentacles Project, signed recently in a partnership with the Federal Police Department, through Febraban, which involves the interchange of information with regard to fraud between banking institutions across the country and that body. This initiative, in addition to bringing financial benefits for financial institutions and their clients, is also likely to show favourable results for society in general, seeing that it will contribute to the intensification of initiatives to combat organised crime.

Management of Business Continuity (GCN)

The Management of Business Continuity (GCN) at BB aims at always keeping the services essential for the functioning of its businesses operational, even in scenarios when processes are interrupted during a corporate crisis. This contributes to the strengthening of the Company's image of solidity, in addition to fulfilling the requirements of Brazilian Central Bank and the other regulatory bodies of a national and international scope.

In 2010, Banco do Brasil consolidated its GCN process in the units in Brazil and abroad, through the development and introduction of continuity and contingency strategies which aim to protect staff, the business environments, information technology and the safekeeping of cash and valuables, among others, in the event of crises or disasters and environmental catastrophes, favouring a return to normality and the resumption of business in the communities affected.

Security of Ambiences

Being responsible for the custody, integrity and supply of money in the name of Brazilian Central Bank, Banco do Brasil constantly invests in the security of its business ambiences (branches and ATM outlets) and the maintenance of the infrastructure of its treasury network.

Thus, in 2010, the bank invested R$16.8 million in the modernization and replacement of security devices for the branches, and R$6.4 million in regional treasuries. In addition to this, it began to introduce a system at the Banco do Brasil Security Centre, with the object of managing, in integrated form and in real time, all the security devices on the Bank's premises.

Information Security

Banco do Brasil's Information Security Policy, approved by the Board of Directors, has guiding directives for the management of information security in the form of policies, processes, procedures, organizational structures, automated programs and equipment, in keeping with the requirements of the business and the laws and regulations in force. Thus, the policy declares the commitment of top management to information security.

The controls selected are aligned to the objectives of the Company's business and meet the best market practices and international standards of information security. The management of information security at BB is guided by the following objectives:

• Implementation of information security solutions which reduced losses in businesses and processes;

• Expansion and strengthening of the strategic relationship with partners and regulatory bodies;

• Strengthening of the security information culture;

• Development of solutions which attend costs, benefits, availability and security requirements;

• To reach a level of excellence in the rationalization, integration and automation of information security processes.

Prevention and Combat of Money Laundering

More than just a legal obligation, the prevention and combating of the crime of money laundering for Banco do Brasil is a social responsibility and a commitment to the country. Thus, during 2010, norms and procedures introduced by the Bank for the prevention and combat of money laundering were improved, taking the legislation in force as a reference, as well as international principles, and the best market practices.

The Bank also maintains a program for the training of its employees on these themes, through classroom-based, as well as distance-learning courses; seminars, lectures and workshops; there is also a short explanatory text on the prevention and combat of money laundering available on the portal of the Banco do Brasil University (UniBB); it carries out internal certification of knowledge with respect to the prevention and combat of money laundering, with the application of the ENCCLA seal, conferred by the Ministry of Justice, as well as publishing material on the theme through its internal communication channels.

Externally, Banco do Brasil contributes to the National System for the Prevention and Combat of Money Laundering through actions such as:

• Co-operation with the Ministry of Justice for the maintenance and dissemination of the practices of the Technology Laboratory against Money Laundering – LAB-LD;

• Participation in meetings for drawing up an introduction of National Strategy for the Combat of Corruption and Money Laundering – Enccla;

• Cooperation with COAF – Council for the Control of Financial Activities; and

• The holding of seminars for external bodies that act in the combat of money laundering.

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