FEBRABAN TECH 2024 | O uso de técnicas de Inteligência Artificial em solução de auditoria

Summary

The speaker from Caixa Econômica Federal discusses the bank's extensive reach with 152 million clients, emphasizing the internal audit's role in enhancing security and business advancement. They highlight the evolution of audit practices, including the use of AI and machine learning, and the challenges of implementing predictive analytics in a public institution.

Takeaways

• 🏦 Caixa Econômica Federal is the largest financial institution in the Americas with 152 million clients, serving the entire Brazilian society with a wide range of products and services.
• 📈 The bank has a vast network of over 4,000 branches, 20,000 bank correspondents, 87,000 employees, and 130,000 lottery collaborators, ensuring nationwide coverage.
• 💼 Cristina Perz, the current director of audit, and Susana, the National Manager, highlighted the bank's significant market share in housing, with 67% of the market and a credit portfolio of 1.8 trillion.
• 🏠 The bank plays a crucial role in social payments, distributing social benefits amounting to 369 billion reais, which were especially critical during the pandemic with emergency aid.
• 🌐 The audit department has evolved significantly, starting from computer-assisted audit techniques to continuous auditing and now leveraging analytics and artificial intelligence.
• 🤖 The use of AI and machine learning has been pivotal in enhancing the bank's audit processes, moving from descriptive to predictive analytics, improving risk assessment and operational efficiency.
• 📊 The bank's internal audit has implemented a dashboard that provides assertiveness in selecting audit works, using predictive indicators and visual tools like radar charts and heat maps.
• 🔍 The application of graph theory in audits has been beneficial in identifying complex relationships, significantly reducing the time required for audits from weeks to hours.
• 🗂️ The use of AI in procurement and contract auditing has led to a more assertive and efficient selection process, with machine learning models trained on past data to predict and prioritize audits.
• 🏢 Challenges faced by the internal audit in a public company like Caixa include the need to expand knowledge in analytics, broaden the use of predictive analytics, and prepare for the integration of generative AI into business processes.

Q & A

What is the role of Caixa Econômica Federal in Brazil's financial sector?

Caixa Econômica Federal is the largest financial institution in the Americas, with 152 million customers and a wide distribution across the national territory, including over 4,000 branches and 20,000 bank correspondents, serving the entire Brazilian society with a range of products and services from the federal, state, and municipal governments.

How does Caixa Econômica Federal contribute to financial inclusion in Brazil?

Caixa Econômica Federal contributes to financial inclusion by providing banking services to the Brazilian population through its extensive network, which reaches major cities, the Amazon forest, indigenous regions, the Pantanal, and the southern region, ensuring access to financial services for diverse communities.

What is the significance of the internal audit in Caixa Econômica Federal's operations?

The internal audit at Caixa Econômica Federal plays a crucial role in ensuring the security and advancement of the bank's operations. It is considered the third line of defense and is responsible for evaluating risks and providing insights that can improve the bank's processes and services.

How many employees are part of the internal audit team at Caixa Econômica Federal?

The internal audit team at Caixa Econômica Federal consists of 486 employees, who are part of a directorate and a superintendence, as well as five national managements in Brasília and regional offices spread throughout Brazil.

What is the role of Artificial Intelligence in the internal audit process at Caixa Econômica Federal?

Artificial Intelligence is used to develop new methodologies for audit work, with a specialized Analytics team of 16 professionals who are knowledgeable about modern infrastructure, cloud methodologies, and AI to enhance security, optimize resources, and cover more tasks in the audit process.

What is the concept of 'auditoria contínua' or continuous auditing mentioned in the script?

Continuous auditing refers to a concept where indicators are used to increase the frequency of analysis in certain processes, allowing for real-time or near-real-time monitoring and notification of non-conformities, enabling managers to address issues promptly.

How has the use of analytics evolved within Caixa Econômica Federal's internal audit?

The use of analytics within the internal audit has evolved from computer-assisted audit techniques to the implementation of statistical models and machine learning, focusing on risk-based indicators and predictive analytics to enhance the audit process.

What is the purpose of the 'laboratório' or laboratory in the context of Caixa Econômica Federal's internal audit?

The laboratory in the context of internal audit is a disruptive concept where business problems or critical issues are addressed by a team that includes business experts and advanced analytics professionals. It aims to find the best technological solution for a given problem without the obligation to use a predefined technology or model.

Can you explain the use of machine learning in the internal audit of Caixa Econômica Federal?

Machine learning is used in various audit processes to improve efficiency and effectiveness. It has been particularly beneficial in predictive analytics, helping to identify patterns and trends that can inform risk assessments and audit strategies.

What challenges does the internal audit face in implementing AI and analytics in a public company like Caixa Econômica Federal?

Challenges include expanding the knowledge of the audit team in analytics, moving from descriptive to predictive analytics, and preparing for the integration of generative AI. The audit team must also ensure that they have the necessary technological support and data governance to effectively utilize AI in their processes.