अनुपालन संकट जो संगठनों के लिए अरबों को जोखिम में डाल रहा है

कर्मचारी संचार की निगरानी एक हारने वाले संघर्ष जैसा महसूस हो सकता है। क्यों? वित्तीय सेवाओं की कंपनियों (FSF) में अनुपालन टीमें व्हाट्सएप, iMessage और स्लैक जैसे इंस्टेंट मैसेजिंग ऐप्स के साथ तालमेल नहीं रख पा रही हैं, जो अब मुख्य मंच पर हैं। इससे वे कंपनी के सभी संचार की निगरानी करने में असमर्थ रह जाती हैं।

इन प्लेटफ़ॉर्मों के उपयोग में तेज़ वृद्धि अनुपालन टीमों के लिए एक बड़ी चुनौती है – जिससे उनके रिकॉर्ड‑कीपिंग में महत्वपूर्ण अंतराल बनते हैं। दुर्भाग्यवश, अनुपालन पेशेवरों को हर साल अपनी निगरानी प्रयासों को नई और अधिक विशिष्ट संचार प्लेटफ़ॉर्मों के अनुसार समायोजित करना पड़ेगा।

जैसे ही वे इस नई निगरानी मानक के साथ तालमेल बिठाते हैं और इस वास्तविकता को स्वीकारते हैं कि पारंपरिक संचार के तरीके घट रहे हैं, कंपनियों को स्वयं के हित में कदम उठाकर अपने समग्र अनुपालन प्रयासों को सुदृढ़ करना चाहिए। अन्यथा, वे प्रतिष्ठा को नुकसान, नियामक उल्लंघन और SEC जैसे नियामकों द्वारा भारी जुर्माने का शिकार बन सकते हैं।

The number of institutions subjected to these record-keeping fines in recent years has skyrocketed – with FSF’s such as JPMorgan being fined $125 million by the SEC for failing to maintain electronic records. This highly publicized example has led to regulators doubling down on non-compliance. They are left with no choice but to increasingly hand out fines for similar offences, or face a rise in regulatory violations. It’s time companies make the next step, adopting effective supervision platforms that capture all pertinent communications.

ऑफ़‑चैनल संचार का उदय

Our now mobile-centric society is challenging mainstream modes of communication as we know it. Modern platforms are taking the industry by storm, giving teams new ways to connect. Firms inevitably expose themselves to risk when smartphones are taking over daily human interaction. Regulators are still keen for companies to capture all business communications, no matter the platform being used. The expectation will not change because of a rise in digital platforms, and the difficulty that entails.

Traditional vendors supporting compliance are increasingly obsolete – it’s time to embrace innovative solutions that actually work. Most established tools can’t compete with new built-in app features, which allow content to disappear after a set period. This new wave of ephemeral content sweeping across platforms makes it impossible for conventional tools to track communications.

The days of monitoring just phone calls and emails are a distant memory. What is now needed is a robust supervision system that can effectively monitor the multitude of new communication methods. Now more than ever, poor record-keeping and transparency are driving compliance violations. Just recently, Robinhood was issued multiple fines for failing to comply with record-keeping obligations, foreshadowing what’s to come if firms don’t crack down on non-compliance in a digital era.

अनुपालन में सहायता के लिए प्रौद्योगिकी का उपयोग

Typical lexicon flagging systems are outdated and ill-equipped to overcome modern compliance challenges. Reliance on them paves the way for compliance teams to bypass detection or produce false narratives. This highlights the need for automated surveillance technology that has a considerable impact – helping firms monitor diverse communication platforms properly. These tools are already ahead of the curve, offering real-time monitoring, so compliance teams can get to grips with potential violations and navigate risks before they escalate.

Financial service firms owe it to themselves to utilize centralized platforms, providing a unified system for employees to communicate. Research from Symphony found that nearly all U.S (92%) and U.K firms (100%) surveyed were eager to invest in a centralized platform. Until firms implement a Single Pane of Glass approach to their daily operations, and even beyond, automated tools are the only viable route to managing off-channel communications.

राजनीतिक और नियामक माहौल: U.S बनाम U.K दृष्टिकोण

The changing political climate is sparking uncertainty over what’s to come for future regulation in the U.S and U.K. It’s possible the U.S’ tough approach towards non‑compliance could shift under the new administration, but historically, the SEC has handed out large fines for record‑keeping violations. For example, over $2 billion of penalties have been issued in their investigation into off‑channel communications since दिसंबर 2021.

Last year, the U.K energy regulator, Ofgem, fined Morgan Stanley & Co. International plc (MSIP) over £5.4 million for failing to record and retain electronic trading communications – in particular, WhatsApp messages used by energy traders to discuss transactions between जनवरी 2018 and मार्च 2020 – marking the first fine of its kind under the REMIT regulation. This has led many to believe that U.K regulatory bodies may adopt a stricter stance amidst political uncertainty.

The reality is that communication is changing, and the pressure is on financial service firms to comply. There’s no avoiding it; employees are using new, and often unsanctioned digital platforms. It’s up to firms to put their foot down and take the preventative steps to adopt the right solutions, and this starts by using the right technology to enhance their compliance efforts. Otherwise, they open themselves up to a world of regulatory breaches, sizable fines, and reputational damage.

Financial firms are in no position to neglect compliance; they don’t hold the cards in this scenario. Times have changed, employee communications have changed, and so should the approach to record-keeping. Ultimately, it’s a matter of using new tools and technologies to keep up, or firms will end up fighting a losing battle.