{"id":3674725,"date":"2023-05-04T15:50:20","date_gmt":"2023-05-04T13:50:20","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3674725"},"modified":"2023-12-21T13:47:51","modified_gmt":"2023-12-21T11:47:51","slug":"sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/","title":{"rendered":"SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate - only in romanian"},"content":{"rendered":"<p><strong><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-3423488 size-full\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-970x250-V2-1.jpg\" alt=\"\" width=\"970\" height=\"250\" srcset=\"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-970x250-V2-1.jpg 970w, https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-970x250-V2-1-300x77.jpg 300w, https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-970x250-V2-1-768x198.jpg 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/><\/strong><\/p>\n<p><strong>Mihaela Bouleanu, pre\u0219edinte al Comisiei de Conformitate \u00een cadrul ARB, atrage aten\u021bia c\u0103 este foarte necesar\u0103 diseminarea informa\u021biilor de conformitate \u00een primul r\u00e2nd c\u0103tre popula\u021bie, mai ales \u00een contextul actual.<\/strong><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-3674727 size-full\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/Mihaela_Bouleanu-04.05.2023.png\" alt=\"\" width=\"770\" height=\"432\" srcset=\"https:\/\/www.arb.ro\/wp-content\/uploads\/Mihaela_Bouleanu-04.05.2023.png 770w, https:\/\/www.arb.ro\/wp-content\/uploads\/Mihaela_Bouleanu-04.05.2023-300x168.png 300w, https:\/\/www.arb.ro\/wp-content\/uploads\/Mihaela_Bouleanu-04.05.2023-150x84.png 150w, https:\/\/www.arb.ro\/wp-content\/uploads\/Mihaela_Bouleanu-04.05.2023-768x431.png 768w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/p>\n<p>\u201eSuntem \u00eentr-o permanent\u0103 emitere de noi \u0219i noi reglement\u0103ri, noi \u0219i noi liste din perspectiva sanc\u021biunilor interna\u021bionale, impactul este \u0219i mai mare \u00een ultima perioad\u0103 tocmai pentru c\u0103 aceste evenimente nefericite afecteaz\u0103 \u00een mod semnificativ economia \u0219i popula\u021bia. Clien\u021bii trebuie s\u0103 \u0219tie de ce le sunt solicitate informa\u021bii \u0219i de ce sunt f\u0103cute anumite proceduri \u00een rela\u021bia pe care o au cu banca\u201d, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Mihaela Bouleanu. \u00cen ceea ce prive\u0219te institu\u021biile financiare \u0219i companiile, acestea au nevoie \u00een primul r\u00e2nd de o \u201efunda\u021bie serioas\u0103\u201d, pe care s\u0103 poat\u0103 s\u0103 construiasc\u0103 \u0219i pe care s\u0103 se bazeze. Mai exact, orice companie trebuie s\u0103-\u0219i defineasc\u0103 un cadrul intern de reglementare aliniat \u00een permanen\u021b\u0103 la noile cerin\u021be europene. \u201eEste nevoie \u0219i de o aliniere, dar \u0219i de o abordare unitar\u0103 din perspectiva \u00een\u021belegerii \u0219i aplic\u0103rii cerin\u021belor legale at\u00e2t la nivel de uniune, c\u00e2t apoi \u0219i mai granular la nivelul fiec\u0103rui stat membru. Deci, trebuie s\u0103 avem un cadru de reglementare corespunz\u0103tor, norme \u0219i proceduri care s\u0103 ne defineasc\u0103 nu \u00eentr-un limbaj de lemn pe care nu-l \u00een\u021belege nimeni, ci foarte concret care sunt rolurile \u0219i responsabilit\u0103\u021bile, care sunt etapele \u00een proces \u0219i ce anume trebuie respectat tocmai pentru ca activitatea s\u0103 se desf\u0103\u0219oare \u00eentr-o conformare total\u0103 \u0219i s\u0103 fie mitigate riscurile poten\u021biale de litigii cu clien\u021bii\u201d, spune aceasta.<\/p>\n<p>Ulterior, dup\u0103 ce companiile \u0219i-au definit cadrul intern de reglementare \u00eentr-un mod foarte clar, cu alocare de responsabilit\u0103\u021bi, acestea trebuie s\u0103 se asigure c\u0103 toate cerin\u021bele sunt transpuse la nivelul sistemelor informatice. \u201eTrebuie s\u0103 con\u0219tientiz\u0103m c\u0103, \u00een ziua de ast\u0103zi, \u00een era digitaliz\u0103rii, nu putem \u021bine pasul dec\u00e2t dac\u0103 ne dezvolt\u0103m sisteme IT corespunz\u0103toare prin care s\u0103 gestion\u0103m \u00een mod corespunz\u0103tor acest proces \u00een rela\u021bia cu clientela. \u00cens\u0103, trebuie s\u0103 \u0219tim c\u0103 \u00een spatele acestui efort semnificativ exist\u0103 o investi\u021bie \u0219i este necesar\u0103 o investi\u021bie at\u00e2t din perspectiva asigur\u0103rii resurselor umane necesare, financiare tehnologice adecvate, care \u0219i ele la r\u00e2ndul lor trebuie s\u0103 fie actualizate \u00een mod permanent la noile cerin\u021be legale sau orice schimb\u0103ri care pot interveni \u00een oferta de produse \u0219i servicii a institu\u021biei sau \u00een noi canale de distribu\u021bie\u201d, precizeaz\u0103 Mihaela Bouleanu. \u0218i resursele umane sunt extrem de necesare. Chiar dac\u0103 exist\u0103 pa\u0219i importan\u021bi \u00een ceea ce prive\u0219te digitalizarea companiilor \u0219i nu numai, componenta uman\u0103 nu poate fi eliminat\u0103. \u201eSistemele pot aduce ni\u0219te alerte, pot genera ni\u0219te aten\u021bion\u0103ri, \u00eens\u0103 este nevoie de expertul care s\u0103 analizeze, s\u0103 investigheze \u0219i s\u0103 dea o rezolu\u021bie dac\u0103 este sau nu o problem\u0103 acolo\u201d, subliniaz\u0103 pre\u0219edintele Comisiei de Conformitate \u00een cadrul ARB.<\/p>\n<p>Dup\u0103 ce companiile \u00ee\u0219i construiesc aceast\u0103 \u201efunda\u021bie\u201d, ele trebuie s\u0103 con\u0219tientizeze riscurile poten\u021biale \u0219i s\u0103 se conformeze la cerin\u021bele legale. \u201eRegulamentele BNR men\u021bioneaz\u0103 c\u0103 responsabilitatea este a fiec\u0103rui angajat. Deci sistemul de control intern nu se refer\u0103 doar la conformitate, este cea care trebuie s\u0103 asigure conformarea. Func\u021bia de conformitate este de fapt o func\u021bie de nivel 2 \u00een sistemul de control intern \u0219i care, pe l\u00e2ng\u0103 rolul de a controla, are \u0219i rolul de a sprijini preven\u021bia. Degeaba constat\u0103m la finalul zilei c\u0103 am f\u0103cut un control \u0219i g\u0103sim nu \u0219tiu ce deficien\u021be. Mai degrab\u0103 trebuie s\u0103 fim proactivi \u0219i s\u0103 mergem pe prevenirea materializ\u0103rii riscurilor. Astfel c\u0103, asumarea aceasta a responsabilit\u0103\u021bilor trebuie s\u0103 \u021bin\u0103 foarte mult \u0219i de con\u0219tientizarea riscurilor \u0219i de asumarea responsabilit\u0103\u021bilor pe fiecare nivel \u00een companie\u201d, afirm\u0103 ea. \u00cen plus, managementul companiilor trebuie s\u0103 fie \u00een permanen\u021b\u0103 informat legat de eventualele riscuri care pot ap\u0103rea tocmai pentru a putea lua decizii corespunz\u0103toare \u0219i pentru a putea interveni atunci c\u00e2nd trebuie, \u00eenainte de materializarea acelor riscuri. \u201ePentru a avea un business s\u0103n\u0103tos f\u0103r\u0103 eforturi semnificative nici \u00een partea liniilor de business, nici \u00een partea de control, trebuie s\u0103 \u00een\u021belegem c\u0103 e necesar s\u0103 avem o aliniere corespunz\u0103toare \u00eentre strategia de business \u0219i cea de risc. Deci nu putem merge \u00eentr-o direc\u021bie, s\u0103 target\u0103m anumite categorii de clientel\u0103 sau anumite sectoare de activitate f\u0103r\u0103 s\u0103 \u021binem cont de care sunt m\u0103surile de protec\u021bie \u0219i controalele pe care le putem gestiona. \u0218i e necesar\u0103 \u0219i alinierea la apetitul pe risc pe care banca \u0219i-l asum\u0103 care e foarte clar definit \u00een strategia de risc. Acestea trebuie aliniate \u0219i interconectate, pentru a optimiza efortul de conformare \u0219i pentru a nu avea pe viitor risc de sanc\u021biune\u201d, mai spune Mihaela Bouleanu, care consider\u0103 c\u0103 sistemul bancar rom\u00e2nesc este foarte aliniat la cerin\u021bele europene \u0219i na\u021bionale.<\/p>\n<p>De altfel, continu\u0103 ea, BNR este foarte riguroas\u0103 \u00een aceast\u0103 aliniere \u0219i \u00een transpunerea tuturor cerin\u021belor europene, ceea ce s-a \u0219i v\u0103zut \u00een ultimii ani. \u201ePreven\u021bia pe care BNR a folosit-o a dat roade cu v\u00e2rf \u0219i \u00eendesat\u201d. \u201eLegat de planul de conformitate sau programul de management al riscurilor aici trebuie s\u0103 fie cumva definit cel pu\u021bin anual acest tip de program care trebuie urm\u0103rit pentru implementarea tuturor obiectivelor strategice \u0219i cu asigurarea faptului c\u0103 orice deficien\u021b\u0103 constatat\u0103 sau orice risc sau poten\u021bial risc identificat se vor analiza toate informa\u021biile necesare astfel \u00eenc\u00e2t s\u0103 se pun\u0103 acolo un alt mitigator, un alt control \u00een plus care s\u0103 ajute la prevenirea materializ\u0103rii efective a riscului respectiv. Toate aceste elemente trebuie s\u0103 fie con\u0219tientizate la nivelul managementului, dar \u0219i mai jos, c\u0103tre toate direc\u021biile sau entit\u0103\u021bile care au un rol \u00een acest proces end-to-end\u201d, explic\u0103 Mihaela Bouleanu. Ea atrage aten\u021bia c\u0103 este necesar\u0103 o cre\u0219tere a nivelului de con\u0219tientizare al clien\u021bilor \u00een ceea ce prive\u0219te informa\u021biile de conformitate. \u201eOdat\u0103 ce disemin\u0103m \u0219i comunic\u0103m transparent c\u0103tre \u00eentreaga popula\u021bie de ce este necesar s\u0103 facem aceste m\u0103suri, de ce sunt solicitate documentele, toate acestea sunt tocmai cu scopul de a proteja clientul. Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi, din conformitate. Suntem to\u021bi \u00een aceea\u0219i barc\u0103 \u0219i trebuie s\u0103 avem to\u021bi acela\u0219i scop\u201d, precizeaz\u0103 aceasta.<\/p>\n<p>Pentru a preveni criminalitatea financiar\u0103, ea consider\u0103 c\u0103 parteneriatul public-privat joac\u0103 un rol important. \u201eDe ceva vreme vorbim de acest parteneriat public-privat care ar aduce cu siguran\u021b\u0103 un rezultat semnificativ \u00eembun\u0103t\u0103\u021bit \u00een scopul prevenirii criminalit\u0103\u021bii financiare at\u00e2t la nivelul sectorului privat, c\u00e2t \u0219i la nivelul sectorului public. M\u0103 refer la modul \u00een care trebuie s\u0103 dezvolt\u0103m aceast\u0103 cooperare cu autorit\u0103\u021bile de reglementare, de supraveghere privind asigurarea unei interpret\u0103ri \u0219i aplic\u0103ri adecvate a cadrului legislativ \u00eenc\u0103 de la momentul emiterii sau revizuirii acestuia. Sectorul privat trebuie s\u0103 intervin\u0103 \u0219i s\u0103 exprime elementele de ne\u00een\u021belegere din acele prevederi sau nevoia de clarificare \u0219i detaliere sau orice alt element care ar fi necesar \u00eenc\u0103 din fa\u0219\u0103. Deci, s\u0103 definim un cadrul de reglementare na\u021bional foarte clar tocmai pentru a asigura aceast\u0103 \u00een\u021belegere at\u00e2t pentru entit\u0103\u021bile private, c\u00e2t \u0219i pentru clientel\u0103\u201d, explic\u0103 aceasta.<\/p>\n<p>\u201eMai sunt aspecte care ar putea fi \u00eembun\u0103t\u0103\u021bite \u0219i din perspectiva asigur\u0103rii unui guidance comprehensiv din partea autorit\u0103\u021bilor prin emiterea unor ghiduri sau instruc\u021biuni dedicate \u0219i acordarea chiar de consultan\u021b\u0103 pe baz\u0103 continu\u0103. Aceste modific\u0103ri vin cu at\u00e2ta repeziciune \u00eenc\u00e2t e foarte greu s\u0103 \u021bii pasul cu ele, dar mai greu este s\u0103 \u0219i \u00een\u021belegi concret \u00een partea opera\u021bional\u0103 care sunt pa\u0219ii pe care trebuie s\u0103-i implementezi. Este nevoie de timp pentru alinierea sistemelor informatice, deci cineva trebuie s\u0103 \u00een\u021beleag\u0103 cerin\u021ba legal\u0103 \u0219i s\u0103 o transpun\u0103 \u00eentr-un sistem IT\u201d, adaug\u0103 ea. Mihaela Bouleanu mai spune \u0219i c\u0103 exist\u0103 o nealiniere a modului de interpretare \u0219i de aplicare a cerin\u021belor legale, \u00eens\u0103 nu la nivelul sistemului bancar na\u021bional, ci la nivelul UE.<\/p>\n<p>Sursa: <a href=\"https:\/\/www.profit.ro\/smes-talk\/video-profit-live-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-conformitate-21113587\">aici <\/a><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-3071288\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg\" alt=\"\" width=\"300\" height=\"250\" \/><\/p>","protected":false},"excerpt":{"rendered":"<p>Mihaela Bouleanu, pre\u0219edinte al Comisiei de Conformitate \u00een cadrul ARB, atrage aten\u021bia c\u0103 este foarte necesar\u0103 diseminarea informa\u021biilor de conformitate \u00een primul r\u00e2nd c\u0103tre popula\u021bie, mai ales \u00een contextul actual. \u201eSuntem \u00eentr-o permanent\u0103 emitere de noi \u0219i noi reglement\u0103ri, noi \u0219i noi liste din perspectiva sanc\u021biunilor interna\u021bionale, impactul este \u0219i mai mare \u00een ultima perioad\u0103 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3071288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3674725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Mihaela Bouleanu, pre\u0219edinte al Comisiei de Conformitate \u00een cadrul ARB, atrage aten\u021bia c\u0103 este foarte necesar\u0103 diseminarea informa\u021biilor de conformitate \u00een primul r\u00e2nd c\u0103tre popula\u021bie, mai ales \u00een contextul actual. \u201eSuntem \u00eentr-o permanent\u0103 emitere de noi \u0219i noi reglement\u0103ri, noi \u0219i noi liste din perspectiva sanc\u021biunilor interna\u021bionale, impactul este \u0219i mai mare \u00een ultima perioad\u0103 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-04T13:50:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-21T11:47:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"300\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"RABVB\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RABVB\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/\"},\"author\":{\"name\":\"RABVB\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\"},\"headline\":\"SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate\",\"datePublished\":\"2023-05-04T13:50:20+00:00\",\"dateModified\":\"2023-12-21T11:47:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/\"},\"wordCount\":1446,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/SMEs-Talk-300x250-V2-2.jpg\",\"articleSection\":[\"Apari\u021bii media\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/\",\"name\":\"SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/SMEs-Talk-300x250-V2-2.jpg\",\"datePublished\":\"2023-05-04T13:50:20+00:00\",\"dateModified\":\"2023-12-21T11:47:51+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/SMEs-Talk-300x250-V2-2.jpg\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/SMEs-Talk-300x250-V2-2.jpg\",\"width\":300,\"height\":250},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"description\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.arb.ro\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"width\":1820,\"height\":1987,\"caption\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\",\"name\":\"RABVB\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g\",\"caption\":\"RABVB\"},\"url\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/author\\\/vlad\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.arb.ro\/en\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/","og_locale":"en_US","og_type":"article","og_title":"SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","og_description":"Mihaela Bouleanu, pre\u0219edinte al Comisiei de Conformitate \u00een cadrul ARB, atrage aten\u021bia c\u0103 este foarte necesar\u0103 diseminarea informa\u021biilor de conformitate \u00een primul r\u00e2nd c\u0103tre popula\u021bie, mai ales \u00een contextul actual. \u201eSuntem \u00eentr-o permanent\u0103 emitere de noi \u0219i noi reglement\u0103ri, noi \u0219i noi liste din perspectiva sanc\u021biunilor interna\u021bionale, impactul este \u0219i mai mare \u00een ultima perioad\u0103 [&hellip;]","og_url":"https:\/\/www.arb.ro\/en\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/","og_site_name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","article_published_time":"2023-05-04T13:50:20+00:00","article_modified_time":"2023-12-21T11:47:51+00:00","og_image":[{"width":300,"height":250,"url":"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg","type":"image\/jpeg"}],"author":"RABVB","twitter_card":"summary_large_image","twitter_misc":{"Written by":"RABVB","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/#article","isPartOf":{"@id":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/"},"author":{"name":"RABVB","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/ae6781863ef928b4d6176e16b3c4452f"},"headline":"SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate","datePublished":"2023-05-04T13:50:20+00:00","dateModified":"2023-12-21T11:47:51+00:00","mainEntityOfPage":{"@id":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/"},"wordCount":1446,"publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"image":{"@id":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg","articleSection":["Apari\u021bii media"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/","url":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/","name":"SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","isPartOf":{"@id":"https:\/\/www.arb.ro\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/#primaryimage"},"image":{"@id":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg","datePublished":"2023-05-04T13:50:20+00:00","dateModified":"2023-12-21T11:47:51+00:00","breadcrumb":{"@id":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/#primaryimage","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg","width":300,"height":250},{"@type":"BreadcrumbList","@id":"https:\/\/www.arb.ro\/sme-talk-mihaela-bouleanu-presedinte-comisia-de-conformitate-arb-sintagma-clientul-nostru-stapanul-nostru-este-valabila-atat-pentru-colegii-din-business-cat-si-pentru-noi-din-con\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arb.ro\/"},{"@type":"ListItem","position":2,"name":"SME Talk Mihaela Bouleanu, Pre\u0219edinte Comisia de Conformitate ARB: Sintagma \u201eclientul nostru, st\u0103p\u00e2nul nostru\u201d este valabil\u0103 at\u00e2t pentru colegii din business, c\u00e2t \u0219i pentru noi din conformitate"}]},{"@type":"WebSite","@id":"https:\/\/www.arb.ro\/#website","url":"https:\/\/www.arb.ro\/","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","description":"Romanian Association of Banks","publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.arb.ro\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.arb.ro\/#organization","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","url":"https:\/\/www.arb.ro\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","width":1820,"height":1987,"caption":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)"},"image":{"@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/ae6781863ef928b4d6176e16b3c4452f","name":"RABVB","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g","caption":"RABVB"},"url":"https:\/\/www.arb.ro\/en\/author\/vlad\/"}]}},"_links":{"self":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3674725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/comments?post=3674725"}],"version-history":[{"count":0,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3674725\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media\/3071288"}],"wp:attachment":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media?parent=3674725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/categories?post=3674725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/tags?post=3674725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}