La cartographie des risques opérationnels, moyen d’évaluation et de maîtrise des risquesopérationnels au niveau des banques – cas du processus virement bancaire

Before thinking about growth and quality improvement, the reasonable bank must, today,above all, know how to manage its risks through an adequate and well organized managementsystem which should be set up, allowing a structured approach to secure the achievement ofobjectives. this article highlights the power of the operational cartography of risks as an internalmanagement tool, and the necessity of its implementation to improve the bank's performance. toachieve this, we used the scorecard method, applied to the bank transfer process at thenational bank of algeria. the result indicated the existence of high risks areas, and which needsrapid corrective actions and very close monitoring, it is also necessary to set up an annuallyupdated global cartography of operational risks, in order to increase the visibility related to therisks associated with other operations