Research On Telecom Fraud Risk Management Of JL Company

Recent years,while promoting economic and social development,the internet economy and the telecommunications industry have also provided more opportunities for illegal criminals.At present,telecom network fraud has become the fastest growing criminal offense.In 2020,the Ministry of Public Security cracked 322,000 cases of telecommunications network fraud,arrested 361,000 criminal suspects,and destroyed 11,000 criminal gangs involved in the "two cards".In the face of the increasingly severe situation of telecom fraud,as the forefront of number development,in addition to the unified and intensive system control of the group and provincial branches,there is still a blank area for the control of fraudulent numbers,and the negative effects include:damage to user interests,damage to company interests,damage to the company’s brand image and reputation,and disruption of internal management order.To this end,it is of significance to study and improve the risk management and control of the company’s telecommunications fraud,so as to reduce the huge losses caused by the fraud of the telecommunications business to users and the company,to recover the company’s reputation,and to improve internal management.This study focuses on the risk management of JL Company’s telecom fraud-related business,conducting a systematic investigation.Based on the comprehensive risk management theoretical framework and using research methods such as literature review and questionnaire surveys,this paper analyzes the current risk management status of JL Company’s telecom fraud-related business.The study found the following issues:First,comprehensive risk identification has not yet been carried out in the entire process of JL Company’s telecom business,failing to cover risk points fully in the pre-network access,user usage,and suspension control stages;Second,risk assessment methods are insufficient,lacking accurate evaluation models,leading to a certain degree of uncertainty in risk assessment;Third,the company has not fully utilized the advantages of central enterprises,nor has it employed technologies such as "big data" and "large-scale connections" to address risks;Fourth,performance appraisal lacks specificity,has weak intensity,and offers low incentives,failing to involve all employees in risk management;Fifth,JL Company’s internal monitoring mechanism needs to be improved and optimized.This paper uses the interview and flow chart method to identify 21 telecom fraud-related risk points of JL Company against JL’s telecom business process,and then scores front-line employees and managers,risk management and other employees and senior management personnel and selects relevant personnel for risk evaluation,and obtains the probability of risk occurrence and possible losses,which determines the user review risk,online order risk,number verification risk,number closure risk,number recovery risk,anti-fraud publicity risk,call behavior risk,public opinion risk,There are 10 key risks in special number risk and IoT card risk.These 10 risks are the key risk indicators that JL needs to focus on and control at present,and further propose countermeasures:according to the company’s rules and regulations,reorganize and improve the telecom business acceptance process and management assessment measures;Increase the intensity of screening and control of fraud-related numbers by improving technical means;Combined with laws and policies,improve employees’ legal awareness and publicity,and guide the public to strengthen the ability to prevent telecommunications fraud.Finally,in order to improve the risk management level of JL Company’s telecom fraud-related business,this paper proposes corresponding suggestions from aspects such as optimizing the internal environment,strengthening information and communication,and enhancing supervision and control.Specific measures mainly include:optimizing the clarification of departmental responsibilities,strengthening the promotion of risk culture,and introducing talent mechanisms;improving the anti-fraud technical system,strengthening cooperation among multiple departments,fully utilizing data advantages to enhance the targeting of data models,and strengthening the implementation of work by establishing specialized anti-fraud task forces;implementing internal audit systems,regularly compiling internal defect reports,establishing and improving self-control assessment mechanisms,and optimizing performance appraisal mechanisms to encourage all employees to actively participate in risk management work.Combined with the actual telecom anti-fraud risk management system proposed by the company,this paper provides a strong guarantee for the effective operation of JL’s telecom fraud-related business,and then lays a foundation for the sustainable development of JL.At the same time,it provides certain reference and enlightenment for other companies in the industry to carry out fraud risk management in communication business.