{"id":4264,"date":"2026-03-09T08:38:00","date_gmt":"2026-03-09T08:38:00","guid":{"rendered":"https:\/\/mount.consulting\/bcbs239-waarom-governance-de-enige-duurzame-manier-is\/"},"modified":"2026-08-21T09:58:10","modified_gmt":"2026-08-21T09:58:10","slug":"bcbs239-waarom-governance-de-enige-duurzame-manier-is","status":"publish","type":"post","link":"https:\/\/mount.consulting\/nl\/bcbs239-waarom-governance-de-enige-duurzame-manier-is\/","title":{"rendered":"BCBS239: Waarom governance de enige duurzame manier is"},"content":{"rendered":"

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Dominique Vande Langerijt, Erwin Jacobs en Ioannis Stamopoulos <\/span><\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.25.0″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”1.8em” header_font=”Montserrat|700|||||||” header_font_size=”38px” header_line_height=”1.3em” header_2_font=”||||||||” max_width=”600px” module_alignment=”left” custom_margin=”30px||30px||true|false” custom_margin_last_edited=”off|desktop” custom_padding=”|||” custom_padding_tablet=”|0vw||0vw||true” custom_padding_phone=”|||||false” custom_padding_last_edited=”off|desktop” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”5%” header_font_size_tablet=”36px” header_font_size_phone=”” header_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n

Waarom governance de enige duurzame manier is<\/span><\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Split Section” _builder_version=”4.22.2″ background_color=”rgba(0,0,0,0.03)” custom_padding=”0px||0px|” animation_style=”fold” animation_direction=”bottom” animation_intensity_fold=”4%” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” module_class=” et_pb_row_fullwidth” _builder_version=”4.22.2″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” max_width=”100%” max_width_tablet=”100%” max_width_phone=”100%” max_width_last_edited=”on|desktop” custom_margin=”0px||0px|” custom_padding=”0px||0px|” make_fullwidth=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.22.2″ background_enable_image=”off” parallax=”on” custom_padding=”||||false|false” custom_padding_tablet=”||||false|false” custom_padding_phone=”||||false|false” custom_padding_last_edited=”on|phone” background_last_edited=”on|phone” parallax_phone=”on” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_code admin_label=”Code” _builder_version=”4.25.0″ _module_preset=”default” custom_margin=”15px||15px|25px|false|false” global_colors_info=”{}”]Home<\/a><\/span><\/span>[\/et_pb_code][et_pb_cta button_url=”#” admin_label=”Feature 01″ _builder_version=”4.25.0″ header_font=”Montserrat|700|||||||” header_text_color=”#1f1f1f” header_font_size=”32px” header_line_height=”1.4em” body_font=”Lato||||||||” body_font_size=”18px” body_line_height=”1.6em” use_background_color=”off” custom_button=”on” button_text_size=”15px” button_text_color=”#ffffff” button_bg_color=”#d6a942″ button_border_width=”14px” button_border_color=”#d6a942″ button_border_radius=”25px” button_letter_spacing=”2″ button_font=”Lato|900||on|||||” button_icon=”$||divi||400″ text_orientation=”left” background_layout=”light” module_alignment=”left” custom_margin=”|25px||25px|false|true” custom_margin_tablet=”|273px||||” custom_margin_phone=”18vw|15px|18vw||true|false” custom_margin_last_edited=”on|phone” custom_padding=”|||” animation_style=”fold” animation_direction=”bottom” animation_intensity_fold=”15%” button_text_color_hover=”#6eba01″ button_border_color_hover=”#6eba01″ button_border_radius_hover=”0″ button_letter_spacing_hover=”2″ button_bg_color_hover=”rgba(0,0,0,0)” saved_tabs=”all” locked=”off” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#FFFFFF” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”on|desktop” button_border_color__hover=”#d6a942″ button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”25px” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”on” button_letter_spacing__hover=”2″ button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#d6a942″ button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” button_bg_enable_color__hover=”on”]<\/p>\n

Introductie<\/h1>\n

Meer dan tien jaar na de introductie van BCBS239 worstelen veel banken nog steeds met het aantonen van effectieve mogelijkheden voor het verzamelen en rapporteren van risicogegevens. Hoewel de formele naleving is verbeterd, blijven toezichthouders wijzen op aanhoudende tekortkomingen in de datakwaliteit, herkomst, eigendom en verantwoording. Deze tekortkomingen worden niet primair veroorzaakt door ontbrekende tooling of ontoereikende herstelprogramma’s. Ze komen voort uit het feit dat BCBS239 wordt beschouwd als een implementatieprobleem in plaats van een governance probleem. <\/p>\n

Hoewel deze benaderingen op korte termijn verbeteringen kunnen opleveren, slagen ze er niet in duurzame resultaten te bereiken. Alleen een structurele bestuursaanpak in besluitvorming, eigenaarschap en verantwoording, kan de kloof tussen de intentie van de regelgeving en de daadwerkelijke praktijk dichten. <\/p>\n

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Het BCBS239 traject: van regelgevende intentie tot gefragmenteerde implementatie<\/h1>\n

In de praktijk vertaalden veel banken BCBS239 naar eenmalige herstelprogramma’s, gedreven door wettelijke deadlines. Er werden gap-analyses uitgevoerd, actieplannen opgesteld en zichtbare problemen aangepakt. De focus verschoof naar het afstemmen van rapporten, het corrigeren van specifieke data elementen of het bouwen van parallelle dataoplossingen om te voldoen aan de eisen van de toezichthouders. <\/p>\n

Tegelijkertijd investeerden banken fors in datacatalogi en tools voor data lineage, vaak zonder een duidelijk plan voor duurzaam gebruik. Het resultaat is vaak een technisch rijk, maar operationeel ongebruikt landschap: uitgebreide documentatie met beperkte betrokkenheid, acceptatie of impact op de besluitvorming. <\/p>\n

Na verloop van tijd leidde deze aanpak tot fragmentatie in plaats van controle. Toezichthouders maken steeds vaker onderscheid tussen formele naleving en effectieve naleving: banken kunnen weliswaar rapporten opstellen, maar hebben moeite om de herkomst van gegevens te verklaren, consistent eigenaarschap aan te tonen of betrouwbaar te reageren onder druk. <\/p>\n

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De veranderende rol van de CDO: van datafacilitator naar governance-katalysator<\/h1>\n

BCBS239 heeft de rol van de Chief Data Officer (CDO) fundamenteel veranderd. Aanvankelijk werd de CDO vaak gezien als de verantwoordelijke voor datakwaliteit en rapportageoplossingen. Hoewel dit begrijpelijk is, is dit model ineffectief gebleken. <\/p>\n

BCBS239 vereist niet dat \u00e9\u00e9n enkele afdeling eigenaar is van de data. Het vereist duidelijke verantwoordelijkheden, aansprakelijkheid en escalatiemogelijkheden binnen de hele bank. Wanneer de CDO wordt gezien als de eigenaar van alle data-gerelateerde problemen, wordt de verantwoordelijkheid onbedoeld ontnomen aan de bedrijfs-, risico- en financi\u00eble afdelingen die de data daadwerkelijk cre\u00ebren en gebruiken. <\/p>\n

Toonaangevende banken herdefini\u00ebren de rol van de Chief Data Officer (CDO) van oplossingseigenaar naar facilitator van governance. De CDO stelt standaarden vast, definieert beslissingsbevoegdheden, richt governance gremia op en waarborgt transparantie, terwijl de uiteindelijke verantwoordelijkheid stevig bij de business blijft liggen. Data eigenaren zijn deel van de procesketen; de CDO zorgt ervoor dat ze als eigenaar handelen en de bevoegdheid hebben om dat te doen. <\/p>\n

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Waarom banken nog steeds falen en waarom goed bestuur de structurele oplossing is<\/h1>\n

Ondanks jarenlange investeringen voldoen banken nog steeds niet aan de verwachtingen van BCBS239, om drie structurele redenen:<\/p>\n

    \n
  • Governance wordt meer als documentatie dan als gedrag beschouwd: beleidsregels en eigendomsmodellen bestaan \u200b\u200bwel, maar worden niet nageleefd wanneer ze conflicteren met leveringstermijnen of commerci\u00eble prioriteiten.<\/li>\n
  • Banken vertrouwen op naleving op een specifiek moment, waarbij bevindingen worden afgesloten zonder de besluitvorming te veranderen.<\/li>\n
  • Stresssituaties leggen zwakke plekken in het bestuur bloot die onder normale omstandigheden verborgen blijven \u2013 precies de scenario’s waarvoor BCBS239 is ontworpen.<\/li>\n<\/ul>\n

    Een op governance gebaseerde aanpak pakt deze problemen structureel aan. De focus verschuift van het corrigeren van data naar het beheersen van de besluitvorming. Verantwoordelijkheid is belegd in de hi\u00ebrarchie, escalatie is verplicht en naleving wordt een resultaat in plaats van een doelstelling. <\/p>\n

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    Conclusie<\/h1>\n

    BCBS239 is geen technologieprogramma of een eenmalige hersteloperatie. Het is een governance kader dat is ontworpen om ervoor te zorgen dat banken op hun informatie kunnen vertrouwen wanneer dat het meest nodig is. <\/p>\n

    Banken die zich blijven richten op ad-hoc oplossingen zullen gevangen blijven in een cyclus van herstelwerkzaamheden. Banken die BCBS239 baseren op structureel, afgedwongen bestuur kunnen de stap zetten van formele naleving naar daadwerkelijke effectiviteit. <\/p>\n

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    Hoe Kunnen Wij Helpen<\/h1>\n

    Met onze uitgebreide ervaring in BCBS239-implementaties en OSI’s bij GSIB’s, DSIB’s en centrale banken in heel Europa, zijn wij de perfecte partner om u te helpen uw data-uitdagingen op een gestructureerde en duurzame manier aan te pakken.<\/p>\n

    Zullen we uw data uitdagingen bespreken?<\/p>\n

    [\/et_pb_cta][et_pb_post_nav in_same_term=”on” admin_label=”Post Navigation” _builder_version=”4.25.0″ _module_preset=”default” title_font=”Lato||||||||” title_text_color=”#e09900″ title_font_size=”16px” custom_margin=”|25px||25px|false|true” custom_margin_tablet=”|25px||25px|false|true” custom_margin_phone=”||50px||false|true” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_post_nav][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.22.2″ background_color=”#f7f7f7″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin_tablet=”” custom_margin_phone=”-18vw||-18vw||true|false” custom_margin_last_edited=”on|phone” custom_width_px=”710px” global_module=”2239″ saved_tabs=”all” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ background_position=”top_left” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Statistics Section Title” _builder_version=”4.22.2″ header_font=”Montserrat|700|||||||” header_text_color=”#1f1f1f” header_font_size=”36px” header_2_font=”Montserrat|700|||||||” header_2_font_size=”32px” text_orientation=”center” max_width=”710px” module_alignment=”center” custom_margin=”20px||||false|false” animation_style=”fold” animation_direction=”bottom” animation_intensity_fold=”20%” global_colors_info=”{}”]<\/p>\n

    Wil je meer weten?<\/h2>\n

    [\/et_pb_text][et_pb_divider color=”#d6a942″ divider_weight=”3px” disabled_on=”off|off|off” _builder_version=”4.20.2″ background_color_gradient_direction=”90deg” max_width=”100px” module_alignment=”center” height=”5px” custom_margin=”||20px|” custom_padding=”||20px|” animation_style=”slide” animation_direction=”bottom” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_text admin_label=”Statistics Section Subtitle” _builder_version=”4.21.0″ text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”1.8em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”710px” module_alignment=”center” animation_style=”fold” animation_direction=”bottom” animation_intensity_fold=”20%” global_colors_info=”{}”]<\/p>\n

    We praten graag verder over hoe we jou kunnen helpen!<\/p>\n

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    Meer dan tien jaar na de introductie van BCBS239 worstelen veel banken nog steeds met de naleving ervan. In ons meest recente artikel betogen we dat veel banken nog steeds problemen ondervinden met BCBS239, niet vanwege een gebrek aan tooling, maar omdat het wordt benaderd als een implementatieoefening in plaats van een governance-uitdaging. <\/p>\n","protected":false},"author":4,"featured_media":3846,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[79,35],"tags":[92],"class_list":["post-4264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-data-management","category-blog-nl","tag-continuous-regulatory-compliance"],"yoast_head":"\nBCBS239: Waarom governance de enige duurzame manier is » Mount Consulting<\/title>\n<meta name=\"description\" content=\"Meer dan tien jaar na de introductie van BCBS239 worstelen veel banken nog steeds met het aantonen van effectieve mogelijkheden voor het verzamelen en rapporteren van risicogegevens. 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