riesgo reputacional

;<=.>?%;=1@A&B<?C&!%
C/(DEF%6")"G*H'"F%
!"#$%&'()*+"$%,*$"$+*"-%./''*0%
%
1"$"'2%
33%4%35%.(6#('7)(%389:%
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
>=C=;&!<J&J=.%
%>=.A<IC%J=!%;<=.>?%
;=1@A&B<?C&!%
%B&.?.%K%B?CB!@.<?C=.%
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
B&;&BA=;L.A<B&.%
7$"$%,-.','$/+
+2-+3.$/45+3$6(1,#.5",-+$/+(",+#5"/$#($"#.,+'$+51%5/+%.$/45/+
Riesgo de Crédito
;%<%=%.%>%?%
!"#$%&'()*%$+,#$%#,+
'$+(&-.','$/+0(1(%,/+
Riesgo de Mercado
Riesgo Operacional
Riesgo de Balance
y Liquidez
Riesgo Reputacional
Riesgo Estratégico
Riesgo Técnico
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
J=,<C<B<IC%
CURSO
DE RIESGO OPERACIONAL
7$"$%,-.','$/+
3.$/45+3$6(1,#.5",-+
2/+-,+$865/.#.9"+,+-,+."#$%&'()*%$+'$+(&-.','$/:+#5)5+
#5"/$#($"#.,+'$+$;$"15/+<($+6($'$"+,0$#1,%+"$4,&;,)$"1$+
,+-,+6$%#$6#.9"+<($+-5/+/1,=$>5-'$%/+&$"$"+'$+(",+$)6%$/,+
?@(.A"$/+/5"+-5/+/1,=$>5-'$%/B+
C5'5+,<(A-+<($+6($',+1$"$%+."1$%A/+DE(+56.".9"+/5*%$+-,+2)6%$/,F+
+
!  G##.5"./1,/+
!  H-.$"1$/+
!  2)6-$,'5/+
!  I$'.5/+'$+#5)(".#,#.9"+
!  3$4(-,'5%$/+
!  J,+K5#.$','+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
@M<B&B<IC%J=!%;;(6%
CURSO
DE RIESGO OPERACIONAL
7$"$%,-.','$/+
J,+4$/&9"+'$-+3.$/45+3$6(1,#.5",-+/$+
$"#(,'%,+'$"1%5+'$-+75*.$%"5+H5%65%,&;5+
I,%#5+'$+4$/&9"+<($+
+6$%).1,+#5"1%5-,%+-5/+%.$/45/+
L +!'$"&M#,%+
L +I$'.%+
L +N,-5%,%+
L +I.&4,%+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
<J=CA<J&J%=N1;=.&;<&!
%
CURSO DE RIESGO OPERACIONAL
!  H,',+$)6%$/,+&$"$+(",+I./.9"F+
7$"$%,-.','$/+
N*F*O$%
"  2O$)6-5F+P!"#$$%&#'()*)+),-.#/-(#0"#10'0(-#,2+-(#/)()#
3).#/2(.-").4#
!  J,+I./.9"+/$+/(/1$"1,+$"+("5/+;,-5%$/+<($+15'5/+'$*$"+
#5)6,%&%+D+<($+/5"+6$%#.*.'5/+65%+-5/+.')526-372(.8+
P"-E)(F%
"  N,-5%$/+6$%/5",-$/+
"  N,-5%$/+$)6%$/,%.,-$/+
!  J5/+;,-5%$/+#5"M$%$"+(",+!'$"&','+2)6%$/,%.,-+Q!'$"&','+
H5%65%,&;,+5+H(-1(%,+2)6%$/,%.,-RF+
<G($#G"G%
"  H,',+$)6%$/,+&$"$+/(+6%56.,+6$%/5",-.','+
!  J,+!'$"&','+2)6%$/,%.,-+$/1S+'$1%S/+'$+-,+),%#,F+
"  J,+),%#,+$/+-5+<($+;$"'$+
N")+"%
+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
<J=CA<J&J%=N1;=.&;<&!
%
CURSO DE RIESGO OPERACIONAL
<G($#G"G%
='6)(F")*"-%
?)H"$*Q"+*O$%
1)E+(FEF%
© 2016 Nodos Risk Consulting
Todos los derechos reservados
7$"$%,-.','$/+
<G($#G"G%='6)(F")*"-X%%
J5+<($+-$+',+6$%/5",-.','+
,+#,',+$)6%$/,+
;;RRS%&6-*+"+*E$(FS%
A(+$E-EHT"S%%BE'*0UFV%
1)E+(FEFX%
H5"O("15+'$+,##.5"$/+
/./1$)S&#,/+D+%$6$&&;,/+
6,%,+#5"/$4(.%+$-+%$/(-1,'5++
=F0)"0(H*"%
=F0)"0(H*"X%
T-,"+6,%,+#5"/$4(.%+
"($/1%,/+)$1,/+%
N*F*O$%W%P*F*O$%%
N*F*O$%W%P*F*O$X%%
J5+<($+/5)5/:+-5+<($+
>,#$)5/+D+#5)5+"5/+
;$)5/+$"+$-+0(1(%5%
Jordi García
J=,<C<B<?C=.
%
CURSO DE RIESGO
OPERACIONAL
7$"$%,-.','$/+
J,+),%#,+$/1S+-.4,',+,+-,+%$6(1,#.9"+
YZ/U%(F%-"%;(6/0"+*O$[%
3$6(1,#.9"F+
Q\.##.5",%.5R+
3$6(1,#.9"F+
Q].=.6$'.,R+
YR+Z6.".9"+5+#5"/.'$%,#.9"+$"+<($+/$+&$"$+,+,-4(.$"+5+,-45+
+
[R+T%$/&4.5+5+$/&),+$"+<($+/5"+1$".'5/+,-4(.$"+5+,-45
J,+%$6(1,#.9"+$/+$-+%$U$O5+'$-+6%$/&4.5+5+$/&),+'$+(",+."/&1(#.9":+
5+'$+(",+),%#,V++
G+'.0$%$"#.,+'$+-,+),%#,:+<($+/$+6($'$+4$"$%,%+,+1%,;A/+'$+)$'.5/+
6(*-.#.1,%.5/:+-,+%$6(1,#.9"+"5+$/1S+*,O5+$-+#5"1%5-+,*/5-(15+'$+-,+
5%4,".W,#.9":+/."5+<($+1,)*.A"+-,+P0,*%.#,"X+$-+%$/15+'$+-,/+
6$%/5",/+#(,"'5+#5";$%/,"+D+,65%1,"+/(/+56.".5"$/+
+
++
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
B&;&BA=;L.A<B&.%
CURSO
DE RIESGO OPERACIONAL
7$"$%,-.','$/+
+C%$/+#,%,#1$%`/&#,/+<($+'./&"4($"+-,+%$6(1,#.9"+
Y+ K2+Z3!7!^G+2^+JG+T23H2TH!_^+
Q"5+/.$)6%$+$"+-,+%$,-.','R+
+
[+ ^Z+K2+Ta2\2+HZ^C3ZJG3+GJ+Ybbc+
+
d+ K2+Ta2\2+HZ^KC3a!3+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
B&;&BA=;L.A<B&.%
7$"$%,-.','$/+
;=&!<J&J%K%1=;B=1B<IC%
Buena
Riesgo
Óptimo
:3)"#72#);;<="#/)()#
;-,0"<;)(#3)#(2)3<7)7#
Mala
Q9')526-372(.R+
1%=%;%B%=%1%B%<%I%C%
:3)"#72#);;<="#/)()#
,<>?)(#23#(<2.?-#
Oportunidad
Mala
Buena
;%=%&%!%<%J%&%J%
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
B&;&BA=;L.A<B&.%
7$"$%,-.','$/+
JZK+i+T!JG32K+\2+JG+32TaCGH!_^+
!  H,-.','+'$+6%5'(#15+5+/$%;.#.5+
!  3$-,#.9"+#,-.','j6%$#.5+
!  h($"+1%,15+,-+#-.$"1$+
!  2)6%$/,+.""5;,'5%,+
!  G"&#.6,#.9"++
!  e,*.-.','+6,%,+#,)*.,%+
!""5;,#.9"+
Z0$%1,+
!  h($"5/+%$/(-1,'5/+
!  h$"$M#.5/+6,%,+-5/+,##.5"./1,/+
!  T51$"#.,-+'$+#%$#.).$"15+
g.","W,/+
Racional
!  h($"+-(4,%+'$+1%,*,O5+
!  3$1%.*(#.9"+O(/1,+
!  K$4(%.','+D+/,-('+
Atracción
C%,*,O5+
!  G65D,+#,(/,/+/5#.,-$/+
!  T%51$4$+$-+I$'.5+G)*.$"1$+
!  H5"1%.*(D$+,+-,+K5#.$','+
J.'$%,W45+
Emocional
H.(',',"`,+
f&#,+
!  J`'$%+%$/6$1,'5+
!  h.$"+5%4,".W,',+
!  N./.9"+'$+0(1(%5+
!  H5)65%1,).$"15+A&#5+
!  a/5+%$/65"/,*-$+'$-+65'$%+
!  C%,"/6,%$"#.,+
@02"'28#@-(-#72#A2/0');<="#B-(/-()>C)#
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
B&;&BA=;L.A<B&.%
7$"$%,-.','$/+
2;$"15+3$6(1,#.5",-+
2;$"15+'$+
3.$/45+
TA%'.',+
\.%$#1,+
?G0$#1,+,+-,++
%$6(1,#.9"B+
+
Kk+
2;$"15+
3$6(1,#.5",-+
7,/15/+'.%$#15/+
l+6A%'.',+'$+
^$45#.5+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
h,O,',+'$+
H5&W,#.9"+
Jordi García
B&;&BA=;L.A<B&.%
7$"$%,-.','$/+
H5"/$#($"#.,/+'$+("+2;$"15+3$6(1,#.5",-+
H,/5+N5-=/m,4$"+QK$6jYnR+
2;$"15+'$+
3.$/45+
Z6$%,#.5",-+
TA%'.',+
\.%$#1,+
!  I(-1,/+D+/,"#.5"$/+$"+22aa+D+2(%56,+
!  !"'$)".W,#.5"$/+,+#-.$"1$/+
!  7,/15/+-$4,-$/+
!  K9-5+$"+aKG+-$/+>,+#5/1,'5+YqVibb+I.--r+
K$+ '$/#(*%.9+ <($+ N]+ ),".6(-9+ $-+ /5om,%$+ <($+
4$/&5",+$-+)515%+'.$/$-+6,%,+<($+$).&$%,"+-5/+4,/$/+
'$"1%5+'$-+-`).1$+-$4,-:+6$%5+/9-5+,-+)5)$"15+'$+6,/,%+
-,+3$;./.9"+CA#".#5+I$#S".#,V+7%,"+.)6,#15+)$'.S&#5+
?G0$#1,+,+-,++
%$6(1,#.9"B+
+
Kk+
2;$"15+
3$6(1,#.5",-+
!  H,)6,p,/+6(*-.#.1,%.,/+
!  H,`',+'$+;$"1,/+Qj[bcR+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
7,/15/+'.%$#15/+
l+6A%'.',+'$+
^$45#.5+
h,O,',+'$+
H5&W,#.9"+
!  H,`',+$"+h5-/,/+
+++QG##.5"$/+*,O,"+("+[nc+'$+)$'.,R+
Jordi García
B<B!?%J=%>=.A<IC%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
!  <G($#\+")%$/+,;$%.4(,%+$+.";$"1,%.,%+-5/+
%.$/45/+<($+6($'$"+'$%.;,%+$"+$;$"15/+
%$6(1,#.5",-$/+
!".#.5+
!  N(G*)+$/+(&-.W,%+(",+)A1%.#,+#(,-.1,&;,+6,%,+
'.)$"/.5",%+-5/+%.$/45/+
!'$"&M#,%+
I$'.%+
I.&4,%+
!  P"-E)")+$/+$/1,*-$#$%+("+O(.#.5+,*/5-(15+5+
%$-,&;5+/5*%$+/(+),4".1('+
N,-5%,%+
!  N*#H")+$/+65"$%+$"+),%#>,+)$'.',/+D+6-,"$/+
'$+,##.9"+6,%,+'./)."(.%+5+$-.).",%+-5/+$0$#15/+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
<J=CA<,<B&B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
!'$"&M#,%+
I$'.%+
I.&4,%+
N,-5%,%+
IA15'5+
\.%$#15+
2"1%$;./1,/+#5"+
$86$%15/+'$+-,/+
a".','$/+
IA15'5++
!"'.%$#15+
T,%&$"'5+'$-+
.";$"1,%.5+'$+%.$/45/+
<G($#\+"+*O$%%
G(-%;;(6%
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
<J=CA<,<B&B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
!'$"&M#,%+
IA15'5+\.%$#15+
I$'.%+
I.&4,%+
N,-5%,%+
2"1%$;./1,/+#5"+
6$%/5",-+#-,;$+
!  K$-$##.9"+'$-+6$%/5",-+#-,;$+
!  G-15/+\.%$#&;5/+#5"+$86$%.$"#.,+$"+$-+/$#15%+
!  2"1%$;./1,/+6,%,+.'$"&M#,%+g,#15%$/+'$+33+
!  !";$"1,%.,%+++
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
<J=CA<,<B&B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
!'$"&M#,%+
IA15'5+!"'.%$#15+
I$'.%+
I.&4,%+
N,-5%,%+
T,%&$"'5+'$-+
!";$"1,%.5+'$+3.$/45/+
!  K9-5+/.%;$+6,%,+$-+3.$/45+Z6$%,#.5",-+
!  T,%,+3H+D+3IF+$"1%$;./1,%+$86$%15/+
!  !'$"&M#,%+O("15+#5"+-5/+%$/65"/,*-$/+'$+3Z+
D+$86$%15/+$"+-,/+a".','$/+
!  !";$"1,%.,%+++
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
N=J<B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
!'$"&M#,%+
I$'.%+
I.&4,%+
N,-5%,%+
!C2"'-#72#
A<2.?-#
!C2"'-#72#
AA2/#
e,D+<($+1$"$%+$"+#($"1,+15',/+
-,/+#5"/$#($"#.,/:+1,"15+."1$%",/+
#5)5+$81$%",/+
D,/);'-.#
:E(7<7)##
7<(2;')#
:E(7<7)##
<"7<(2;')#
© 2016 Nodos Risk Consulting
Todos los derechos reservados
F0;(-##
;2.)"'2#
Jordi García
N=J<B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
!'$"&M#,%+
I$'.%+
I.&4,%+
I$'.#.9"+#(,-.1,&;,+E+#(,"&1,&;,+
! 
2"+,-4("5/+#,/5/+/$+65'%S+#(,"&M#,%+#5"+),D5%+6%$#./.9"+
! 
2/+)(D+'.s#.-+#(,"&M#,%+$-+-(#%5+#$/,"1$+
! 
2/+#5";$".$"1$+,4%$4,%+$-+$;$"15+#,(/,"1$+,-+.)6,#15+%$6(1,#.5",-+
N,-5%,%+
H9)5+#%$,%+(",+$/#,-,+'$+)$'.#.9"+
! 
2/#,-,+'$+$/&),#.9"+.)6,#15+D+$/#,-,+'$+6%5*,*.-.','+
! 
I$15'5-54`,+/.).-,%+,+3Z:+6$%5+/$/4,',+>,#.,+$-+-,'5+'$-+.)6,#15+
! 
!)65%1,"1$F+1$"$%+$"+#($"1,+$-+.)6,#15+)$'.S&#5+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
N=J<B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
!'$"&M#,%+
I$'.%+
I.&4,%+
g+%+$+#+(+$+"+#+.+,++
N,-5%,%+
!  2-+.)6,#15+$/+-5+<($+)S/+6$/,+
!  K.+>,D+#5"/$#($"#.,/+)$'.S&#,/+
$-+.)6,#15+/$+,4%,;,+
!+)+6+,+#+1+5+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
N=J<B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
!'$"&M#,%+
I$'.%+
I.&4,%+
g+%+$+#+(+$+"+#+.+,++
N,-5%,%+
!  H,',+2"&','+$/1,*-$#$+$-+/.4".M#,'5+
'$+-,+$/#,-,+'$+#5-5%$/+
!  K$+6($'$+(/,%+#5)5+/$p,-+'$+,-$%1,+
!+)+6+,+#+1+5+
!",6%$#.,*-$+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
J$;$+
^51,*-$+
7%,;$+
I(D+4%,;$+
Jordi García
P&!?;&B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
!'$"&M#,%+
I$'.%+
I.&4,%+
N,-5%,%+
H5).1A/+'$+7$/&9"+
!  J5/+,#1(,-$/+H5).1A/+'$+3.$/45/+'$+-,/+a".','$/+;,-5%,"+
#,',+("5+'$+-5/+0,#15%$/+'$+33$6+.'$"&M#,'5/+
!  2"+'$1$%).",'5/+#,/5/+-,+;,-5%,#.9"+-,+$0$#1t,+-,+u("1,+
\.%$#&;,+5+$-+H5).1A+'$+3.$/45/+7$"$%,-+
!  G+;$#$/+/$%S+"$#$/,%.,+-,+6%$/$"#.,+'$+%$/65"/,*-$/+'$-+
\$6,%1,)$"15+'$+H5)(".#,#.9"+$+!),4$"+
!  K$+,",-.W,+$-+.)6,#15+)$'.S&#5+1$".$"'5+$"+#($"1,+-,+
1%,/#$"'$"#.,+$"+3$'$/+K5#.,-$/+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
N<A<>&B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
!'$"&M#,%+
I$'.%+
I.&4,%+
N,-5%,%+
H5).1A/+'$+7$/&9"+
!  J5/+,#1(,-$/+H5).1A/+'$+3.$/45/+'$+-,/+a".','$/+'$#.'$"+
-5/+6-,"$/+'$+,##.9"+6,%,+).&4,%+$-+3.$/45+
!  J5/+,/6$#15/+#%`&#5/+/$+1%,1,"+$"+-,+u("1,+\.%$#&;,+5+$"+$-+
H5).1A+'$+3.$/45/+7$"$%,-+
!  J5/+H5).1A/+$0$#1t,"+("+/$4(.).$"15+'$+-,+).&4,#.9"+
!  3$/65"/,*-$/+'$-+\$6,%1,)$"15+'$+H5)(".#,#.9"+$+
!),4$"+$0$#1t,"+/$4(.).$"15+$81$%"5+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
B&1<A&!%1?;%;<=.>?%;=1@A&B<?C&!%
7$/&9"+'$-+3.$/45+3$6(1,#.5",-+
N./(,-.W,#.9"+$"+$-+h,-,"#$+
28#$/5+
'$+#,6.1,-+
H,6.1,-+
3$4(-,15%.5+
!  3$#(%/5/+T%56.5/+v+H,6.1,-+'./65".*-$+
!  2-+$8#$/5+'$+#,6.1,-+#(*%$:+$"1%$+51%5/:+$-+33$6+
H,6.1,-+
3$4(-,15%.5+
+
+
G#&;5/+
Q)`".)5+%$<($%.'5+
/$4t"+$-+)5'$-5R+
T,/.;5/+
H%A'.15+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
I$%#,'5+
Z6$%,#.5",-+
Jordi García
&!>@C?.%=]=N1!?.%J=%B&.?.%;=&!=.%
H,/5/+D+#5"#-(/.5"$/+
#  CD-$"5-++Qu5>"/5"+l+u5>"/5"R+$"+Ywx[+
#  h,"=+50+K#51-,"'+$"+Ywww+
+
#  \$/,6,%.#.9"+'$+G%1>(%+G"'$%/$"+$"+[bb[+
#  hT+Q;$%&'5+'$+6$1%9-$5+$"+$-+75-05+'$+IA8.#5R+$"+[bYb+
+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
=P?!@B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
H,/5/+D+#5"#-(/.5"$/+
^($;5/+6,%,'.4),/+
#  e5D+$"+'`,+-,+),%#,+&$"$+)(#>5+6$/5+
#  I,D5%+1%,"/6,%$"#.,+."05%),&;,+65%+6,%1$+'$+-5/+*,"#5/+
#  ^($;5/+)$'.5/+'$+#5)(".#,#.9"+Q!"1$%"$1:+%$'$/+/5#.,-$/R+
#  T%$"/,+/$"/,#.5",-./1,+
+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
=P?!@B<IC%J=!%;<=.>?%;=1@A&B<?C&!%
H,/5/+D+#5"#-(/.5"$/+
!"#-(/.9"+'$-+33$6+$"+$-+y%$,+'$+3.$/45/+
#  I(#>5/+*,"#5/+D,+-5+>,"+."#-(.'5+$"+/(+)5'$-5+'$+4$/&9"+
#  !)65%1,"1$+1$"$%-5+$"+#($"1,+$"+-,+,6%5*,#.9"+'$+
'$1$%).",'5/+#%A'.15/+
#  !"'./6$"/,*-$+,",-.W,%+-,/+#5"/$#($"#.,/+%$6(1,#.5",-$/+'$-+
3.$/45+Z6$%,#.5",-+
#  C$"$%-5+$"+#($"1,+,-+-,"W,%+"($;5/+6%5'(#15/+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
B?CB!@.<?C=.%^%;=B?N=CJ&B<?C=.%
H,/5/+D+#5"#-(/.5"$/+
e5D+$"+'`,+-,+),%#,+$/+-5+<($+;$"'$+
2-+33+$/+),D5%+'$+-5+<($+6,%$#$+
2-+33+/$+'$*$+."#5%65%,%+$"+-5/+,"S-././+'$+3.$/45/+
2-+y%$,+'$+3.$/45/+'$*$+'$/,%%5--,%+("+)5'$-5+
H,6,#.1,#.5"$/+6,%,+$-+6$%/5",-+#-,;$+
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García
N@BR&.%>;&B<&.%1?;%.@%&A=CB<IC%
!"#$%&'()*+"$%,*$"$+*"-%./''*0%
%
1"$"'2%
33%4%35%.(6#('7)(%389:%
© 2016 Nodos Risk Consulting
Todos los derechos reservados
Jordi García