{"id":25467,"date":"2016-01-01T09:00:00","date_gmt":"2016-01-01T13:00:00","guid":{"rendered":"https:\/\/gestionderiesgo.org\/?p=25467"},"modified":"2026-10-12T21:02:27","modified_gmt":"2026-10-13T01:02:27","slug":"riesgo-de-conducta-tendencias-y-desafios-para-el-sector-financiero","status":"publish","type":"post","link":"https:\/\/gestionderiesgo.org\/en\/riesgo-de-conducta-tendencias-y-desafios-para-el-sector-financiero\/","title":{"rendered":"Conduct Risk: trends and challenges for the financial sector"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:60px;--awb-padding-bottom:20px;--awb-padding-left:60px;--awb-padding-right-medium:30px;--awb-padding-left-medium:30px;--awb-padding-right-small:14px;--awb-padding-left-small:12px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><link rel=\"stylesheet\" href=\"https:\/\/fonts.googleapis.com\/css2?family=Zilla+Slab:wght@500;600&display=swap\">\n<style>.fusion-page-title-bar{background-image:linear-gradient(135deg,#0E3351,#186392)!important;background-size:cover!important}\narticle h2.fusion-post-title,.fusion-meta-info,.about-author,.related-posts,.post-slideshow,.fusion-flexslider.post-slideshow{display:none!important}\n#cgr-pub{--navy:#0E3351;--blue:#186392;--web:#1A80B6;--red:#E22A3A;--ink:#1C2632;--slate:#5B6775;--line:#E1E7EE;--mist:#F2F5F8;\n width:100%;min-width:0;box-sizing:border-box;max-width:1120px;margin:0 auto;padding:6px 0 8px;color:var(--ink);font:400 16.5px\/1.65 \"Open Sans\",system-ui,-apple-system,\"Segoe UI\",sans-serif}\n#cgr-pub *{box-sizing:border-box}\n#cgr-pub a{color:var(--web)}\n#cgr-pub .cgp-head{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:44px;align-items:center;margin:6px 0 40px}\n#cgr-pub .cgp-cover{margin:0;border-radius:14px;overflow:hidden;box-shadow:0 18px 38px -20px rgba(14,51,81,.5)}\n#cgr-pub .cgp-cover img{display:block;width:100%;height:auto}\n#cgr-pub .cgp-cover.cgp-doc{position:relative;aspect-ratio:5\/4;background:#0E3351}\n#cgr-pub .cgp-cover.cgp-doc i{position:absolute;inset:-24px;background-size:cover;background-position:center;filter:blur(24px) saturate(1.1) brightness(.62)}\n#cgr-pub .cgp-cover.cgp-doc img{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:auto;height:auto;max-width:78%;max-height:88%;border-radius:3px;box-shadow:0 14px 30px rgba(0,0,0,.5)}\n#cgr-pub .cgp-kind{margin:0 0 6px;font-size:14.5px;font-weight:600;color:var(--blue)}\n#cgr-pub .cgp-title{margin:0 0 14px;font:600 clamp(25px,3vw,36px)\/1.16 \"Zilla Slab\",Georgia,serif;color:var(--navy);letter-spacing:-.005em}\n#cgr-pub .cgp-lead{margin:0 0 20px;font-size:18px;line-height:1.55;color:var(--ink)}\n#cgr-pub .cgp-facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 28px;margin:0 0 24px;padding:16px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}\n#cgr-pub .cgp-facts div{min-width:0}\n#cgr-pub .cgp-facts dt{margin:0;font-size:13px;color:var(--slate)}\n#cgr-pub .cgp-facts dd{margin:0;font-weight:600;color:var(--navy);overflow-wrap:anywhere}\n#cgr-pub .cgp-actions{display:flex;flex-wrap:wrap;gap:12px}\n#cgr-pub .cgp-btn{display:inline-flex;align-items:center;gap:8px;padding:12px 20px;border-radius:10px;background:var(--web);color:#fff!important;font-weight:600;text-decoration:none!important;border:1.5px solid var(--web);transition:background .2s,transform .2s}\n#cgr-pub .cgp-btn:hover{background:var(--blue);border-color:var(--blue)}\n#cgr-pub .cgp-btn.alt{background:#fff;color:var(--blue)!important;border-color:var(--blue)}\n#cgr-pub .cgp-btn.alt:hover{background:var(--mist)}\n#cgr-pub .cgp-btn svg{width:18px;height:18px;flex:none;fill:none;stroke:currentColor;stroke-width:1.75;stroke-linecap:round;stroke-linejoin:round}\n#cgr-pub .cgp-body{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,4fr);gap:48px;align-items:start}\n#cgr-pub .cgp-main h3,#cgr-pub .cgp-side h3{margin:0 0 12px;font:600 25px\/1.2 \"Zilla Slab\",Georgia,serif;color:var(--navy)}\n#cgr-pub .cgp-main h3:not(:first-child){margin-top:36px}\n#cgr-pub .cgp-main p{margin:0 0 15px;max-width:72ch;text-align:left}\n#cgr-pub .cgp-importa{margin:30px 0 0;padding:20px 22px;background:var(--mist);border-left:4px solid var(--blue);border-radius:0 12px 12px 0}\n#cgr-pub .cgp-importa h3{font-size:21px;margin:0 0 8px!important}\n#cgr-pub .cgp-importa p{margin:0;max-width:none}\n#cgr-pub .cgp-side{position:sticky;top:110px;display:grid;gap:22px}\n#cgr-pub .cgp-card{padding:22px;border:1px solid var(--line);border-radius:14px;background:#fff}\n#cgr-pub .cgp-card h3{font-size:21px}\n#cgr-pub .cgp-points{list-style:none;margin:0;padding:0;display:grid;gap:12px}\n#cgr-pub .cgp-points li{position:relative;padding-left:26px;font-size:15.5px;line-height:1.55}\n#cgr-pub .cgp-points li:before{content:\"\";position:absolute;left:0;top:7px;width:13px;height:13px;background:var(--red);clip-path:polygon(46% 0,98% 0,100% 2%,100% 55%,56% 99%,51% 99%,45% 56%,1% 52%,0 48%);opacity:.9}\n#cgr-pub .cgp-cite{margin:0;font-size:14.5px;line-height:1.55;color:var(--slate)}\n#cgr-pub .cgp-chips{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}\n#cgr-pub .cgp-chips a{display:inline-block;padding:5px 12px;border-radius:99px;background:var(--mist);color:var(--navy)!important;font-size:13.5px;text-decoration:none!important;border:1px solid var(--line)}\n#cgr-pub .cgp-chips a:hover{border-color:var(--web);color:var(--blue)!important}\n#cgr-pub .cgp-note{margin:34px 0 0;padding-top:16px;border-top:1px solid var(--line);font-size:14px;color:var(--slate);max-width:72ch}\n#cgr-pub .cgp-aviso{margin:22px 0 0;padding:12px 16px;border-radius:10px;background:#FFF8E6;border:1px solid #F0DFA8;font-size:14.5px;color:#5a4a12;max-width:72ch}\n#cgr-pub .cgp-back{margin:20px 0 0}\n#cgr-pub .cgp-back a{font-weight:600;text-decoration:none}\n#cgr-pub .cgp-back a:hover{text-decoration:underline}\n@media(max-width:900px){#cgr-pub .cgp-cover.cgp-doc{aspect-ratio:4\/3}#cgr-pub .cgp-head{grid-template-columns:minmax(0,1fr);gap:26px}#cgr-pub .cgp-body{grid-template-columns:minmax(0,1fr);gap:30px}#cgr-pub .cgp-side{position:static}}\n@media(max-width:520px){#cgr-pub{font-size:16px}#cgr-pub .cgp-facts{grid-template-columns:minmax(0,1fr)}#cgr-pub .cgp-btn{width:100%;justify-content:center}}\n<\/style>\n<div id=\"cgr-pub\">\n<header class=\"cgp-head\">\n<figure class=\"cgp-cover cgp-doc\"><i style=\"background-image:url(https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-riesgo-de-conducta-tendencias-y-desafios-para-el-sector-financiero.jpg?v=1791455807)\"><\/i><img fetchpriority=\"high\" src=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-riesgo-de-conducta-tendencias-y-desafios-para-el-sector-financiero.jpg?v=1791455807\" width=\"720\" height=\"1017\" alt=\"Primera p\u00e1gina del documento: Riesgo de Conducta: tendencias y desaf\u00edos para el sector financiero\" loading=\"eager\" decoding=\"async\"><\/figure>\n<div class=\"cgp-intro\">\n<p class=\"cgp-kind\">Study \u00b7 Consulting firm<\/p>\n<h2 class=\"cgp-title\">Conduct Risk: trends and challenges for the financial sector<\/h2>\n<p class=\"cgp-lead\">Conduct risk requires institutions to put themselves in their customers\u2019 place and protect their interests, even against their own short-term interests.<\/p>\n<dl class=\"cgp-facts\"><div><dt>Organization<\/dt><dd>Management Solutions (MS)<\/dd><\/div><div><dt>Document date<\/dt><dd>2016<\/dd><\/div><div><dt>Type<\/dt><dd>Study<\/dd><\/div><div><dt>Language<\/dt><dd>Spanish<\/dd><\/div><div><dt>Scope<\/dt><dd>International<\/dd><\/div><div><dt>Length<\/dt><dd>40 pages<\/dd><\/div><\/dl>\n<div class=\"cgp-actions\"><a class=\"cgp-btn\" href=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2025\/12\/Riesgo_de_Conducta_1765675746.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M7 3h7l5 5v12a1 1 0 0 1-1 1H7a1 1 0 0 1-1-1V4a1 1 0 0 1 1-1z\"\/><path d=\"M14 3v5h5\"\/><path d=\"M9 14h6\"\/><path d=\"M9 17h4\"\/><\/svg>Open the document (PDF hosted on this site)<\/a><\/div>\n<\/div>\n<\/header>\n<div class=\"cgp-body\">\n<div class=\"cgp-main\">\n<h3>What it contains<\/h3>\n<p>The study, published by the consulting firm Management Solutions (with rights reserved in 2016), argues that institutions have made great progress in controlling traditional risks, losses and the balance sheet, but that conduct risk drives a paradigm shift: it requires putting oneself in the place of customers and other parties involved and protecting their balance sheet, in some cases against the institution\u2019s own short-term interests. Banking structures, technology, organization and governance were not built for that logic, which is why the management framework must be a key element of the executive agenda.<\/p><p>Its context is the scandals that led regulators to examine the root causes of misconduct in banks: the document includes data on fines imposed on institutions operating in the United Kingdom since 2007 and two practical cases, the manipulation of LIBOR and the mis-selling of payment protection insurance. It also notes that regulatory interest is not uniform across the world and that technological change moves customer relationships from reactive to proactive.<\/p><p>The structure is: executive summary, introduction, components of the conduct risk management framework (risk appetite, control model, risk and control self-assessment, risk metrics), a model for identification and measurement, bibliography and glossary. It also explores the use of Big Data and advanced data analytics to detect, in a forward-looking way, conduct risks that are not obvious.<\/p>\n<section class=\"cgp-importa\"><h3>Why it matters for risk management<\/h3><p>It is background reading for those who design customer treatment, product sales and risk culture policies. It is a 2016 study focused on the experience of other markets: it serves as a conceptual framework, not as a description of current Dominican regulation.<\/p><\/section>\n<p class=\"cgp-aviso\">No official page for this study was found; the copy that the Club originally published on this site is linked. The year is taken from the document\u2019s own copyright notice.<\/p><p class=\"cgp-note\">Summary prepared by the Dominican Republic Risk Management Club from a reading of the original document, with the source verified on 7 October 2026. It does not replace reading the official text and is not advice.<\/p>\n<p class=\"cgp-back\"><a href=\"\/en\/publicaciones\/\">See all publications<\/a><\/p>\n<\/div>\n<aside class=\"cgp-side\">\n<section class=\"cgp-card\"><h3>Key points<\/h3><ul class=\"cgp-points\"><li>Conduct risk changes the paradigm: the customer is protected, not just the institution\u2019s balance sheet.<\/li><li>It was born of scandals such as the LIBOR manipulation and of growing regulatory fines since 2007.<\/li><li>It adapts traditional tools (risk appetite, control model, self-assessment and metrics) to this risk.<\/li><li>It proposes using Big Data and advanced analytics to detect conduct risks in a forward-looking way.<\/li><li>Regulatory interest is greater where the financial sector is more advanced.<\/li><\/ul><\/section>\n<section class=\"cgp-card\"><h3>How to cite it<\/h3><p class=\"cgp-cite\">Management Solutions (2016). Conduct Risk: trends and challenges for the financial sector. Madrid: Management Solutions.<\/p><\/section>\n<section class=\"cgp-card\"><h3>Topics<\/h3><ul class=\"cgp-chips\"><li><a href=\"\/en\/publicaciones\/?tema=riesgos-operacionales-y-emergentes\">Operational and emerging risks<\/a><\/li><li><a href=\"\/en\/publicaciones\/?tema=normativa-y-gobierno-corporativo\">Regulation and corporate governance<\/a><\/li><\/ul><\/section>\n<\/aside>\n<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/fonts.googleapis.com\/css2?family=Zilla+Slab:wght@500;600&display=swap\">\n<footer id=\"cgr-foot\" aria-label=\"Footer of the Risk Management Club\">\n<style>\n#main{padding-bottom:0!important}\n.fusion-fullwidth:has(#cgr-foot),.fusion-layout-column:has(#cgr-foot){padding-bottom:0!important;margin-bottom:0!important}\n#cgr-foot{--navy:#0E3351;--blue:#186392;--web:#1A80B6;--red:#E22A3A;--ink:#1C2632;--slate:#5B6775;--line:#D9E1EA;--mist:#F2F5F8;\n  position:relative;margin:96px 0 0;padding:0;background:var(--mist);box-shadow:0 0 0 100vmax var(--mist);clip-path:inset(0 -100vmax);\n  color:var(--ink);font-family:\"Open Sans\",sans-serif;font-size:15px;line-height:1.6;width:100%;min-width:0;box-sizing:border-box}\n#cgr-foot *{box-sizing:border-box}\n#cgr-foot a{color:var(--ink);text-decoration:none}\n#cgr-foot a:hover{color:var(--web)}\n#cgr-foot a:focus-visible{outline:2px solid var(--web);outline-offset:3px;border-radius:4px}\n#cgr-foot h2,#cgr-foot h3{font-family:\"Zilla Slab\",Georgia,serif;color:var(--navy);margin:0;font-weight:600;letter-spacing:0}\n#cgr-foot p{margin:0}\n#cgr-foot ul{list-style:none;margin:0;padding:0}\n\n#cgr-foot .cgf-ask{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px 32px;padding:34px 0 30px;border-bottom:1px solid var(--line)}\n#cgr-foot .cgf-ask h2{font-size:clamp(21px,2vw,25px);line-height:1.25}\n#cgr-foot .cgf-ask p{margin-top:4px;color:var(--slate)}\n#cgr-foot .cgf-btn{display:inline-flex;align-items:center;gap:8px;height:46px;padding:0 22px;border-radius:999px;background:var(--navy);color:#fff!important;font-weight:600;font-size:15px;transition:background .15s}\n#cgr-foot .cgf-btn:hover{background:var(--web)}\n#cgr-foot .cgf-btn svg{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}\n\n#cgr-foot .cgf-main{display:grid;grid-template-columns:minmax(0,1.35fr) repeat(3,minmax(0,1fr)) minmax(0,1.2fr);gap:36px 32px;padding:44px 0 40px}\n#cgr-foot .cgf-brand img{display:block;width:178px;height:auto}\n#cgr-foot .cgf-brand p{margin-top:16px;color:var(--slate);font-size:14.5px;max-width:34ch}\n#cgr-foot .cgf-soc{display:flex;gap:8px;margin-top:18px}\n#cgr-foot .cgf-soc a{display:flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;border:1px solid var(--line);background:#fff;color:var(--navy);transition:background .15s,color .15s,border-color .15s}\n#cgr-foot .cgf-soc a:hover{background:var(--navy);border-color:var(--navy);color:#fff}\n#cgr-foot .cgf-soc svg{width:17px;height:17px;fill:currentColor}\n#cgr-foot h3{font-size:17px;margin-bottom:14px}\n#cgr-foot .cgf-col li + li{margin-top:7px}\n#cgr-foot .cgf-col a{font-size:14.5px;color:#3b4652}\n#cgr-foot .cgf-col a:hover{color:var(--web)}\n#cgr-foot .cgf-ct li{display:flex;gap:10px;font-size:14.5px;color:#3b4652}\n#cgr-foot .cgf-ct li + li{margin-top:10px}\n#cgr-foot .cgf-ct svg{flex:none;width:18px;height:18px;margin-top:3px;fill:none;stroke:var(--blue);stroke-width:1.75;stroke-linecap:round;stroke-linejoin:round}\n\n#cgr-foot .cgf-bar{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px 28px;padding:20px 0 26px;border-top:1px solid var(--line);font-size:13px;color:var(--slate)}\n#cgr-foot .cgf-pol{display:flex;flex-wrap:wrap;gap:4px 16px}\n#cgr-foot .cgf-pol a{color:var(--slate);font-size:13px}\n#cgr-foot .cgf-pol a:hover{color:var(--web)}\n#cgr-foot .cgf-legal{display:flex;align-items:center;gap:16px}\n#cgr-foot .cgf-pay{display:block;height:30px;width:auto}\n\n@media (max-width:1080px){#cgr-foot .cgf-main{grid-template-columns:repeat(4,minmax(0,1fr))}#cgr-foot .cgf-brand{grid-column:1\/-1;display:flex;flex-wrap:wrap;align-items:center;gap:16px 32px;padding-bottom:28px;border-bottom:1px solid var(--line)}#cgr-foot .cgf-brand p{margin:0;flex:1 1 260px}#cgr-foot .cgf-soc{margin:0}}\n@media (max-width:640px){#cgr-foot{margin-top:64px}#cgr-foot .cgf-main{grid-template-columns:1fr 1fr;gap:30px 20px;padding:34px 0}#cgr-foot .cgf-brand{display:block}#cgr-foot .cgf-brand p{margin-top:14px}#cgr-foot .cgf-soc{margin-top:16px}#cgr-foot .cgf-ct{grid-column:1\/-1}\n  #cgr-foot .cgf-ask .cgf-btn{width:100%;justify-content:center}#cgr-foot .cgf-bar{flex-direction:column;align-items:flex-start}}\n<\/style>\n\n<div class=\"cgf-ask\">\n  <div>\n    <h2>Looking for an event on a specific topic?<\/h2>\n    <p>Tell us which topics you would like to see at our upcoming events.<\/p>\n  <\/div>\n  <a class=\"cgf-btn\" href=\"mailto:info@gestionderiesgo.org\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><rect x=\"3\" y=\"5\" width=\"18\" height=\"14\" rx=\"2\"\/><path d=\"m3.5 6.5 8.5 6.5 8.5-6.5\"\/><\/svg>Write to us<\/a>\n<\/div>\n\n<div class=\"cgf-main\">\n  <div class=\"cgf-brand\">\n    <img decoding=\"async\" src=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2025\/10\/LOGO-TRABAJO.png\" alt=\"Club de Gesti\u00f3n de Riesgos de la Rep\u00fablica Dominicana\" width=\"178\" height=\"108\" loading=\"lazy\">\n    <p>A non-profit association that promotes risk culture and best practices in the Dominican financial system.<\/p>\n    <div class=\"cgf-soc\">\n      <a href=\"https:\/\/www.linkedin.com\/company\/club-de-gesti%C3%B3n-de-riesgos-rd\/\" target=\"_blank\" rel=\"noopener\" aria-label=\"LinkedIn\"><svg viewbox=\"0 0 24 24\"><path d=\"M5.2 8.6H8.5V19H5.2zM6.9 3.5a1.9 1.9 0 1 1 0 3.8 1.9 1.9 0 0 1 0-3.8ZM10.6 8.6h3.1V10c.5-.9 1.6-1.7 3.3-1.7 3.5 0 4.1 2.2 4.1 5.1V19h-3.3v-5c0-1.2 0-2.7-1.7-2.7s-1.9 1.3-1.9 2.6V19h-3.3z\"\/><\/svg><\/a>\n      <a href=\"https:\/\/www.youtube.com\/channel\/UCgyWVnQOIYTYnBP25t3wikA\" target=\"_blank\" rel=\"noopener\" aria-label=\"YouTube\"><svg viewbox=\"0 0 24 24\"><path d=\"M21.6 7.2a2.7 2.7 0 0 0-1.9-1.9C18 4.8 12 4.8 12 4.8s-6 0-7.7.5a2.7 2.7 0 0 0-1.9 1.9C2 8.9 2 12 2 12s0 3.1.4 4.8a2.7 2.7 0 0 0 1.9 1.9c1.7.5 7.7.5 7.7.5s6 0 7.7-.5a2.7 2.7 0 0 0 1.9-1.9c.4-1.7.4-4.8.4-4.8s0-3.1-.4-4.8ZM10 15V9l5.2 3Z\"\/><\/svg><\/a>\n      <a href=\"https:\/\/www.instagram.com\/gestionriesgodr\/\" target=\"_blank\" rel=\"noopener\" aria-label=\"Instagram\"><svg viewbox=\"0 0 24 24\"><path d=\"M12 7.3a4.7 4.7 0 1 0 0 9.4 4.7 4.7 0 0 0 0-9.4Zm0 7.7a3 3 0 1 1 0-6 3 3 0 0 1 0 6Zm6-7.9a1.1 1.1 0 1 1-2.2 0 1.1 1.1 0 0 1 2.2 0ZM12 4.6c2.4 0 2.7 0 3.6.1 2.4.1 3.6 1.3 3.7 3.7.1.9.1 1.2.1 3.6s0 2.7-.1 3.6c-.1 2.4-1.3 3.6-3.7 3.7-.9.1-1.2.1-3.6.1s-2.7 0-3.6-.1c-2.4-.1-3.6-1.3-3.7-3.7-.1-.9-.1-1.2-.1-3.6s0-2.7.1-3.6c.1-2.4 1.3-3.6 3.7-3.7.9-.1 1.2-.1 3.6-.1ZM12 3c-2.4 0-2.8 0-3.7.1-3.3.2-5 1.9-5.2 5.2C3 9.2 3 9.6 3 12s0 2.8.1 3.7c.2 3.3 1.9 5 5.2 5.2.9.1 1.3.1 3.7.1s2.8 0 3.7-.1c3.3-.2 5-1.9 5.2-5.2.1-.9.1-1.3.1-3.7s0-2.8-.1-3.7c-.2-3.3-1.9-5-5.2-5.2C14.8 3 14.4 3 12 3Z\"\/><\/svg><\/a>\n      <a href=\"https:\/\/www.facebook.com\/gestionriesgodr\/\" target=\"_blank\" rel=\"noopener\" aria-label=\"Facebook\"><svg viewbox=\"0 0 24 24\"><path d=\"M13.5 21v-7.5H16l.4-3h-2.9V8.6c0-.9.3-1.5 1.5-1.5h1.5V4.4c-.3 0-1.2-.1-2.2-.1-2.2 0-3.7 1.3-3.7 3.8v2.4H8.1v3h2.5V21z\"\/><\/svg><\/a>\n      <a href=\"https:\/\/twitter.com\/gestionriesgodr\" target=\"_blank\" rel=\"noopener\" aria-label=\"X (Twitter)\"><svg viewbox=\"0 0 24 24\"><path d=\"M17.5 3.5h3l-6.6 7.5 7.8 9.5h-6.1l-4.8-5.9-5.5 5.9h-3l7.1-8L2.7 3.5H9l4.3 5.4Zm-1 15.3h1.7L7.6 5.1H5.8Z\"\/><\/svg><\/a>\n    <\/div>\n  <\/div>\n  <nav class=\"cgf-col\" aria-label=\"The Club\">\n    <h3>The Club<\/h3>\n    <ul>\n      <li><a href=\"\/en\/quienes-somos\/\">Who we are<\/a><\/li>\n      <li><a href=\"\/en\/miembros-fundadores-y-directores\/\">Founders and directors<\/a><\/li>\n      <li><a href=\"\/en\/comisiones-de-trabajo\/\">Working committees<\/a><\/li>\n      <li><a href=\"\/en\/organigrama\/\">Organization Chart<\/a><\/li>\n      <li><a href=\"\/en\/estatutos\/\">Bylaws<\/a><\/li>\n      <li><a href=\"\/en\/reglamento-interno\/\">Internal regulations<\/a><\/li>\n    <\/ul>\n  <\/nav>\n  <nav class=\"cgf-col\" aria-label=\"Membership and training\">\n    <h3>Membership<\/h3>\n    <ul>\n      <li><a href=\"\/en\/quienes-pueden-ser-miembros\/\">Who can become a member?<\/a><\/li>\n      <li><a href=\"\/en\/socios-protectores\/\">Sponsor members<\/a><\/li>\n      <li><a href=\"\/en\/formulario-de-inscripcion\/\">Apply for membership<\/a><\/li>\n      <li><a href=\"\/en\/capacitaciones-nemesis\/\">International certification<\/a><\/li>\n      <li><a href=\"\/en\/otras-certificaciones\/\">Other certifications<\/a><\/li>\n    <\/ul>\n  <\/nav>\n  <nav class=\"cgf-col\" aria-label=\"Activities\">\n    <h3>Activities<\/h3>\n    <ul>\n      <li><a href=\"\/en\/proximos-eventos\/\">Upcoming events<\/a><\/li>\n      <li><a href=\"\/en\/webinars-celebrados\/\">Past Webinars<\/a><\/li>\n      <li><a href=\"\/en\/blog\/\">CGR Blog<\/a><\/li>\n      <li><a href=\"\/en\/noticias\/\">News<\/a><\/li>\n      <li><a href=\"\/en\/publicaciones-y-o-comunicaciones\/\">Documents of interest<\/a><\/li>\n      <li><a href=\"\/en\/forum\/\">Forum<\/a><\/li>\n    <\/ul>\n  <\/nav>\n  <div class=\"cgf-col cgf-ct\">\n    <h3>Contact<\/h3>\n    <ul>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M12 21s-6.5-5.6-6.5-11a6.5 6.5 0 0 1 13 0c0 5.4-6.5 11-6.5 11Z\"\/><circle cx=\"12\" cy=\"10\" r=\"2.3\"\/><\/svg><span>La Isla Building, office 206. Av. Tiradentes at the corner of Presidente Gonz\u00e1lez, Ensanche Naco, Santo Domingo<\/span><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M5 4h4l2 5-2.5 1.5a11 11 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2\"\/><\/svg><span><a href=\"tel:+18097453289\">809-745-3289<\/a><br><a href=\"tel:+18494774959\">849-477-4959<\/a><a class=\"cgf-wa\" href=\"https:\/\/wa.me\/18494774959\" target=\"_blank\" rel=\"noopener\" aria-label=\"Escribir por WhatsApp al 849-477-4959 (se abre en una pesta\u00f1a nueva)\" title=\"WhatsApp\"><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M17.472 14.382c-.297-.149-1.758-.867-2.03-.967-.273-.099-.471-.148-.67.15-.197.297-.767.966-.94 1.164-.173.199-.347.223-.644.075-.297-.15-1.255-.463-2.39-1.475-.883-.788-1.48-1.761-1.653-2.059-.173-.297-.018-.458.13-.606.134-.133.298-.347.446-.52.149-.174.198-.298.298-.497.099-.198.05-.371-.025-.52-.075-.149-.669-1.612-.916-2.207-.242-.579-.487-.5-.669-.51-.173-.008-.371-.01-.57-.01-.198 0-.52.074-.792.372-.272.297-1.04 1.016-1.04 2.479 0 1.462 1.065 2.875 1.213 3.074.149.198 2.096 3.2 5.077 4.487.709.306 1.262.489 1.694.625.712.227 1.36.195 1.871.118.571-.085 1.758-.719 2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347m-5.421 7.403h-.004a9.87 9.87 0 01-5.031-1.378l-.361-.214-3.741.982.998-3.648-.235-.374a9.86 9.86 0 01-1.51-5.26c.001-5.45 4.436-9.884 9.888-9.884 2.64 0 5.122 1.03 6.988 2.898a9.825 9.825 0 012.893 6.994c-.003 5.45-4.437 9.884-9.885 9.884m8.413-18.297A11.815 11.815 0 0012.05 0C5.495 0 .16 5.335.157 11.892c0 2.096.547 4.142 1.588 5.945L.057 24l6.305-1.654a11.882 11.882 0 005.683 1.448h.005c6.554 0 11.89-5.335 11.893-11.893a11.821 11.821 0 00-3.48-8.413Z\"\/><\/svg><\/a><\/span><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><rect x=\"3\" y=\"5\" width=\"18\" height=\"14\" rx=\"2\"\/><path d=\"m3.5 6.5 8.5 6.5 8.5-6.5\"\/><\/svg><a href=\"mailto:info@gestionderiesgo.org\">info@gestionderiesgo.org<\/a><\/li>\n      <li><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><span>Monday to Thursday, 8:30 a.m. to 5:30 p.m.<br>Friday, 8:30 a.m. to 5:00 p.m.<\/span><\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<div class=\"cgf-bar\">\n  <div class=\"cgf-legal\"><img decoding=\"async\" class=\"cgf-pay\" src=\"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2023\/01\/Verified.png\" alt=\"Verified by Visa y Mastercard ID Check\" width=\"101\" height=\"34\" loading=\"lazy\"><p>\u00a9 2026 Gesti\u00f3n de Riesgo RD, SRL. All rights reserved.<\/p><\/div>\n  <nav class=\"cgf-pol\" aria-label=\"Policies\">\n    <a href=\"\/en\/politicasdeprivacidad\/\">Privacy<\/a><a href=\"\/en\/terminos-y-condiciones-2\/\">Terms and Conditions<\/a><a href=\"\/en\/politicas-de-entrega\/\">Delivery<\/a><a href=\"\/en\/politicas-de-cancelacion\/\">Cancellation<\/a><a href=\"\/en\/politicas-de-devolucion\/\">Returns<\/a><a href=\"\/en\/politicas-de-reembolso\/\">Refunds<\/a><a href=\"\/en\/politicas-de-seguridad\/\">Security<\/a><a href=\"\/en\/preguntas-frecuentes\/\">Frequently asked questions<\/a>\n  <\/nav>\n<\/div>\n<\/footer>\n\n<style>#cgr-foot .cgf-ct li a.cgf-wa{display:inline-flex;vertical-align:middle;margin-left:8px}#cgr-foot .cgf-ct li a.cgf-wa svg{width:18px;height:18px;margin:0;fill:#25D366;stroke:none}<\/style><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Management Solutions study on conduct risk: why the management paradigm changes, how different jurisdictions regulate it and how to identify and measure it with risk appetite, controls, metrics and data analytics.<\/p>","protected":false},"author":1,"featured_media":25566,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"cgp_org":"Management Solutions","cgp_siglas":"MS","cgp_tipo":"Estudio","cgp_fecha":"2016-01-01","cgp_url":"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2025\/12\/Riesgo_de_Conducta_1765675746.pdf","cgp_pdf":"","cgp_idioma":"Espa\u00f1ol","cgp_pais":"Internacional","cgp_temas":"Riesgos operacionales y emergentes,Normativa y gobierno corporativo","cgp_portada":"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-riesgo-de-conducta-tendencias-y-desafios-para-el-sector-financiero.jpg","cgp_verificado":"2026-10-07","cgp_origen":"migrada","cgp_fuente":"Consultora","cgp_paginas":"40","cgp_autores":"","cgp_fecha_texto":"2016","cgp_portada_tipo":"doc","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-25467","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publicaciones-del-sector"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/gestionderiesgo.org\/wp-content\/uploads\/2026\/10\/pub-riesgo-de-conducta-tendencias-y-desafios-para-el-sector-financiero.jpg","_links":{"self":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25467","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/comments?post=25467"}],"version-history":[{"count":5,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25467\/revisions"}],"predecessor-version":[{"id":26327,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/posts\/25467\/revisions\/26327"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/media\/25566"}],"wp:attachment":[{"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/media?parent=25467"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/categories?post=25467"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gestionderiesgo.org\/en\/wp-json\/wp\/v2\/tags?post=25467"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}