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annual report 2016 789 Growing Together with new expanding opportunities kebijakan pengelolaan risiko operasional, dan berhubungan serta berkoordnasi dengan seluruh unit bisnis dan supporting unit untuk memastikan langkah mitigasi yang dilakukan telah cukup dan memadai untuk mencegah potensi risiko operasional. Bank melakukan pengelolaan risiko operasional pada seluruh aktivitas, dimana seluruh karyawan wajib berperan serta dalam mengelola risiko operasional pada unit kerja masing-masing serta memperhatikan kontrol yang efektif untuk mengantisipasi kemungkinan terjadinya risiko yang dapat merugikan bank. KecUKUPan KebijaKan, PrOseDUr Dan PeneTaPan limiT Bank telah memiliki kebijakan serta pedoman manajemen risiko operasional yang secara berkala dilakukan pembaharuan dan evaluasi atas kebijakan dan pedoman manajemen risiko bank tersebut. Selain itu bank juga telah memiliki kebijakan lain terkait manajemen risiko operasional, diantaranya kebijakan anti fraud, kebijakan Business Continuity Management yang didalamnya meliputi Business Continuity Plan sebagai prosedur kelangsungan usaha Bank, Emergency Response Plan sebagai prosedur tanggap darurat bencana dalam rangka penyelamatan data dan asset serta Disaster Recovery Plan sebagai prosedur kelangsungan sistem dan infrastruktur pendukung Teknologi Informasi, Kebijakan pengelolaan Teknologi Informasi. Di samping itu terkait dengan kebijakan pengembangan produk dan aktivitas baru terlebih dahulu dilakukan analisa untuk menilai risiko yang melekat terhadap aktivitasproduk tersebut. Bank memiliki prosedur operasional untuk proses aktivitas kegiatan operasional bank yang harus dilaksanakan oleh setiap unit kerja dengan memperhatikan sistem pengendalian intern yang memadai sehingga dapat meminimalisir kemungkinan terjadinya risiko operasional pada bank. Selain itu bank memiliki kebijakan terkait limit kewenangan dalam kegiatan operasional, pemisahan tugas dan tanggung jawab pada setiap level jabatan, serta adanya approval untuk setiap eskalasi. KecUKUPan PrOses iDenTifiKasi, PenGUKUran, PemanTaUan, Dan PenGenDalian risiKO, serTa sisTem infOrmasi manajemen risiKO Dalam mendukung penerapan majemen risiko operasional untuk proses identifikasi, pengukuran, pemantauan, dan pengendalian Risiko, bank telah mengembangkan alat bantu manajemen risiko operasional yaitu : • Risk Control Self Assessment RCSA merupakan penilaian sendiri untuk mengukur eksposur risiko dari kumpulan risk register sebagai analisis potensi risiko dari kegiatan operasional bank. Penilaian RCSA operational risk management, connecting and coordinating with all business units and supporting units to ensure that the mitigation step taken is adequate and sufficient to prevent potential operational risk. The Bank performed operational risk management on all activities where all employees must participate in managing operational risk on each work unit and pay attention to an effective control to anticipate any possibilities of risk incident that might harm the Bank. aDeQUacY Of POlicies, PrOceDUres, anD limiT esTablisHmenT The Bank has operational risk management policies and guidelines that are renewed and evaluated periodically on the policies and guidelines of the bank’s risk management. Furthermore, the bank also has other policies related to operational risk management, such as anti-fraud policies, Business Continuity Management policies including Business Continuity Plan as the Bank’s business continuity procedure, Emergency Response Plan as a disaster emergency response procedure in order to save data and asset, and Disaster Recovery Plan as a continuity procedure of system and infrastructure that supports Information Technology, Policies managing Information Technology. Moreover, related to policies of product development and new activities, an analysis should be done first to assess the risk attached to the activityproduct. The Bank has operational procedure for the bank’s operational activity process that must be performed by each work unit by noticing sufficient internal control system in order to minimize the possibility of operational risk incident at the bank. Furthermore, bank has policies related limit of authorization in its operational activity, separation of duties and responsibility on each level of position, and approval for each escalation. aDeQUacY Of PrOcess Of risK iDenTificaTiOn, measUremenT, mOniTOrinG, anD manaGemenT, as Well as risK manaGemenT infOrmaTiOn sYsTem In supporting the operational risk management for process of Risk identification, measurement, monitoring, and management, the bank has developed operational risk management supporting tools, which are: • Risk Control Self Assessment RCSA is a self assessment to measure risk exposure from registered risk group as risk potential analysis in the bank’s operational activities. RCSA includes assessment for risk PENGUNGKAPAN EKSPOSUR RISIKO DAN PENERAPAN MANAJEMEN RISIKO DisClosuRe of Risk eXPosuRe anD Risk managemenT imPlemenTaTion