Seminário BC/OCB - SNCC em Tranformação. 16/04/2026

Name: Seminário BC/OCB - SNCC em Tranformação. 16/04/2026
Uploaded: 2026-04-16T21:35:23.000Z
Duration: 8 h 20 min 12 s

Seminar Opening Remarks

Welcome and Introduction

The speaker welcomes attendees, both in-person and online, to the BCOCB seminar focused on the transformation of SNCC (National System of Credit Cooperatives).

The seminar aims to strengthen dialogue between regulators and the cooperative sector, discussing regulatory modernization challenges and sharing supervisory experiences.

Importance of Collaboration

Tânia Zanela, Executive President of OCB, emphasizes the significance of institutional maturity within the cooperative system.

She highlights ongoing dialogues with regulatory bodies as crucial for evaluating future supervision strategies.

Key Themes in Cooperative Credit Development

Acknowledgment of Contributions

Tânia expresses gratitude towards Aílton for his steadfastness during discussions with Banco Central, recognizing his authentic approach.

Technical Discourse Opportunity

The meeting is framed as a vital opportunity for technical debate aimed at strengthening Brazilian credit cooperativism through shared perspectives.

Current State and Future Vision

Maturity in Cooperative Credit

The speaker notes that Brazilian credit cooperativism has reached significant maturity due to consistent dialogue with Banco Central.

Growth Without Compromise

Emphasizes that growth has been achieved while maintaining safety, good management practices, and solid foundations across nearly 500 municipalities where only cooperatives operate.

Regulatory Evolution and Challenges

Recognition by Regulatory Bodies

Tânia reiterates that cooperatives are not merely financial institutions but embody a unique cooperative essence that must be preserved.

Modern Supervisory Approaches

Highlights initiatives like auxiliary supervision which enhance cooperative governance while complementing regulatory efforts.

Advancements in Cooperative Management

Streamlined Processes

Discusses how auxiliary authorization reflects Banco Central's recognition of institutional maturity among credit cooperatives, leading to improved efficiency in organizational processes.

Cooperativism and Financial Sustainability

The Balance of Growth, Efficiency, and Security

The challenge in the financial system is to find a balance between growth, efficiency, and security in operations.

Capitalization plays a crucial role in ensuring the sustainability of cooperatives, allowing them to support their members and contribute to community development.

Importance of Cybersecurity

Discussions on solidity and sustainability must include cybersecurity measures against fraud. This requires collective efforts from regulators and institutions.

Continuous investment in technology, governance, and organizational culture is essential for effective cybersecurity strategies.

Strategic Role of Credit Cooperativism

Credit cooperativism is positioned as a strategic element in building a more balanced and inclusive financial system that generates both economic and social value.

Emphasis on collaboration with public policies and regulations to foster growth within the cooperative sector is highlighted as vital for ongoing success.

Diversity in Cooperativism

Promoting Diversity

Acknowledgment of the need for greater diversity within Brazilian cooperativism, including more women, people of color, and younger perspectives. This diversity is seen as essential for renewal within the sector.

Achievements in Cooperative Growth

The Brazilian cooperative system has reached significant milestones such as achieving 1 trillion total assets; discussions are now focused on setting new goals beyond this achievement.

Reflections on Progress

Learning from International Examples

Historical comparisons are made with countries like Germany and Canada regarding cooperative models; Brazil's advancements have led it to be viewed as a reference point by other nations today.

Ethical Foundations of Cooperatives

The importance of clarity of purpose, trust, and ethics within cooperatives is emphasized as critical factors contributing to national progress through cooperative efforts.

The Role of Cooperatives in Financial Inclusion

Structural Importance

Cooperatives play a structural role in national finance by promoting financial inclusion, regional development, and healthy competition among financial entities. Their impact is particularly noted in underserved regions like the North and Northeast of Brazil.

Building Strong Relationships

The relationship between regulators and the cooperative segment has been strengthened through collaborative agendas focusing on inclusion, competition, citizenship finance, stability—showing pride in these developments among stakeholders involved with cooperatives.

Impact of Regulatory Changes on the Cooperative System

Overview of Recent Regulatory Changes

The speaker discusses significant regulatory changes affecting the cooperative system, particularly referencing Law 4966 and its impact on cooperatives.

Emphasizes the successful transition made by cooperatives in adapting to these regulatory changes, highlighting resilience within the financial system.

Discussion on Resolution 14

Mentions an upcoming panel discussion about Joint Resolution 14, indicating its relevance to capital issues affecting various financial segments including cooperatives.

Notes that cooperatives are being significantly impacted by this resolution, with a focus on how it affects different types of institutions.

Strengthening Cooperativism through Mergers

Highlights a historical perspective where the number of cooperative entities has decreased from over a thousand to around seven hundred, suggesting increased robustness through mergers.

Argues that Resolution 14 presents an opportunity for further strengthening Brazilian cooperativism and aims for alignment with successful international models like Germany's.

Supervision and Self-Regulation in Cooperatives

Importance of Supervision Models

Discusses how supervisory practices learned from Germany can be adapted to enhance efficiency and responsibility within Brazil’s cooperative sector.

Introduces auxiliary supervision as a decentralized model that promotes efficiency while maintaining accountability.

Building Institutional Trust

Stresses that institutional trust is built rather than granted; self-regulation complements state regulation as part of institutional maturity.

Proposes that confidence, proportionality, and responsibility are essential elements for effective governance in cooperatives.

Challenges Facing the Cooperative Sector

Need for Leadership Renewal

Calls attention to the necessity for renewal among leadership within cooperatives to ensure fresh perspectives and effective governance structures.

Risk Management in Cooperatives

Emphasizes risk management as crucial for any financial institution but particularly vital for people-centered organizations like cooperatives.

Digitalization and Competition in Cooperativism

Navigating Technological Challenges

Discusses how cooperativism must adapt to technological advancements while maintaining core principles amidst increasing competition from disruptive institutions.

Digital Transformation in Cooperativism

The Importance of Digital Identity

Emphasizes that being digital is essential for cooperatives, as stated by a colleague, Herold. However, it is crucial to maintain the cooperative's identity amidst this transformation.

Highlights that cooperatives are present in over 500 municipalities, contrasting with banks that often have limited locations. This widespread presence underscores the unique nature of cooperatives compared to digital banks.

Cybersecurity Challenges

Introduces cybersecurity as a significant topic for discussion, noting recent complex financial incidents affecting credit cooperatives.

Discusses operational risks leading to institutional failures, which were previously unexpected. This highlights the need for increased investment in cybersecurity measures.

Mentions evaluations from international bodies like the IMF and World Bank praising Brazil's supervisory model but warns about the sophistication of Brazilian hackers.

The Role of Credit Cooperativism

Asserts that credit cooperativism plays a vital role in creating an inclusive and competitive financial system while maintaining its core values.

States that the Central Bank recognizes this role and will continue to foster a regulatory environment that supports necessary changes within the cooperative system.

Opening Remarks at the Seminar

Significance of Cooperative Principles

Acknowledges the importance of cooperative principles such as financial education and community commitment in building trust between credit cooperatives and their members.

Enhancing Financial Inclusion

Describes how cooperatives contribute significantly to increasing financial inclusion and competition by offering lower interest rates primarily benefiting individuals and small businesses.

Regulatory Developments

Notes recent legal advancements granting greater operational freedom to cooperatives while also imposing higher responsibilities regarding capital requirements and management controls.

Opportunities for Discussion

Encourages participants at the seminar to engage in discussions on governance, prudential regulation, digitalization, and cybersecurity within the cooperative sector.

Introduction to the Technical Panel on Auxiliary Supervision

Opening Remarks and Introductions

President Gabriel invites Tânia and Aíton to continue in the plenary session, introducing the first technical panel focused on auxiliary supervision within SNCC.

Key speakers include Felinto da Cruz Júnior (DESUC), Elisete Cavaliere (SICOBS Central), Reginaldo José Pedrão (Central Sic Paraná), and Alexandre Eusébio Silva (Unicred do Brasil). Márcio Falcão will moderate the discussion.

Importance of Auxiliary Supervision

Márciel expresses gratitude for being part of this important discussion on auxiliary supervision, emphasizing its significance for cooperative governance.

He acknowledges the support from Banco Central and other contributors, highlighting their role in strengthening cooperative systems.

The Role of Auxiliary Supervision in Cooperatives

Strengthening Governance and Risk Mitigation

Emphasizes that auxiliary supervision is crucial for enhancing cooperative governance, risk mitigation, and proactive business protection.

Márciel anticipates robust presentations from partners like CCRED, Sicob, and Unicred aimed at improving cooperative practices through shared experiences.

Engaging with Difficult Topics

Adalberto highlights the importance of addressing challenging issues within cooperatives while maintaining a focus on growth and member needs.

He discusses how maturity involves confronting difficult topics rather than avoiding them, contrasting it with a more naive approach to problem-solving.

Current Challenges Facing Financial Stability

Addressing Systemic Risks

Adalberto points out that current economic conditions require active engagement rather than complacency; he stresses the need for vigilance against systemic risks.

Discusses ongoing challenges such as inflation control by Banco Central amidst rising interest rates affecting economic stability.

Navigating Adversity in Financial Systems

Highlights concerns over organized crime infiltration into financial systems alongside cyber threats and geopolitical risks that have never been faced before.

Calls for a proactive approach to enhance resilience against these adversities while recognizing the necessity of adapting regulatory frameworks like 4966 for better credit risk management.

Supervisão Auxiliar e sua Importância

Discussão sobre Capital Mínimo e Supervisão

A discussão sobre capital mínimo envolve a capacidade das organizações de absorver perdas e mobilizar recursos para melhorar controles.

O debate se expande para a supervisão auxiliar, um tema pouco discutido em comparação com auditoria e governança.

Papel da Supervisão Auxiliar

A supervisão auxiliar abrange controle, acompanhamento, auditoria e atuações dos conselhos fiscal e de administração.

O desafio da supervisão é garantir continuidade, perseverança e estabilidade nas organizações.

Avaliação da Maturidade Organizacional

A supervisão é vista como um indicador do nível de maturidade das organizações; quanto mais madura, maior sua capacidade de diálogo interno.

Uma avaliação eficaz da supervisão auxiliar reflete diretamente na qualidade da gestão e governança das entidades.

Expansão do Modelo de Supervisão

Há uma intenção de replicar o modelo bem-sucedido de supervisão auxiliar do cooperativismo em outros segmentos financeiros.

Conversas estão em andamento com instituições financeiras para implementar arranjos semelhantes à supervisão auxiliar no cooperativismo.

Complementaridade da Supervisão

A supervisão auxiliar não substitui o Banco Central, mas complementa suas funções, trazendo segurança ao trabalho regulatório.

Essa abordagem ameniza a pressão sancionadora do Banco Central, permitindo que as instituições identifiquem desafios internamente.

Expectativas para a Supervisão Auxiliar

Espera-se que a supervisão auxiliar atue como um nível sistêmico para cooperativas filiadas, equilibrando atuação local com diretrizes gerais.

Supervisory Roles and Systemic Coordination

The Role of Auxiliary Supervision in Strengthening Cooperatives

Auxiliary supervision is viewed as a crucial element that enhances the systemic vision within cooperative arrangements, making it more tangible and effective.

It serves as a complementary function to the Central Bank, facilitating better communication through shared terminology and concerns among systems.

There are challenges in ensuring effective implementation across geographically dispersed systems; auxiliary supervision can help bridge these gaps by enhancing coordination.

Continuous monitoring of affiliates is essential; auxiliary supervision should not be sporadic but rather an ongoing presence to ensure consistent engagement with cooperatives.

Technology enables continuous oversight, allowing for regular interaction and support rather than infrequent visits.

Distinction Between Supervision and Auditing

Supervision encompasses broader considerations beyond compliance, including business models and operational capabilities, which are vital for sustainability.

Auxiliary supervision plays a key role in monitoring audit activities and ensuring that identified risks are addressed through mitigation plans.

It acts as a conduit for reporting significant issues to the Central Bank, emphasizing its role in disseminating best practices within the system.

Importance of Collaboration and Communication

The speaker expresses gratitude towards colleagues from OCB (Organização das Cooperativas Brasileiras), highlighting the importance of collaboration in strengthening supervisory efforts.

Acknowledgment of ongoing relationships fosters respect and openness, which are critical for enhancing the effectiveness of supervisory actions.

Addressing Market Dynamics Through Auxiliary Supervision

The dynamic nature of markets presents new challenges; auxiliary supervision must adapt to these changes to remain effective.

Emphasis on proactive measures is necessary to protect cooperative capital amidst evolving market conditions influenced by innovation and cybersecurity threats.

Transitioning to Panel Discussion

Following this introduction, there will be further exploration of these themes during a panel discussion led by Elisete.

CICOB System Overview and Governance Challenges

Importance of Proximity and Collaboration

The speaker emphasizes the significance of proximity in collaboration, mentioning experiences in Germany and Canada as examples for potential growth.

A challenge is proposed to enhance unity among members, indicating a proactive approach to strengthen relationships within the CICOB system.

Structure and Composition of CICOB

The CICOB system comprises 37 singular cooperatives, with plans to reduce this number to 36, highlighting ongoing governance discussions aimed at strengthening cooperative systems.

Current assets are reported at 1.3 billion within a broader context of 430 billion across cooperatives, showcasing the scale and responsibility involved in managing these resources.

Expansion Efforts

The speaker notes that CICOB is present in 98% of municipalities in Santa Catarina, with ongoing expansion efforts into Rio Grande do Sul.

Structural changes include three directorates overseeing various committees without a fiscal council, reflecting an adaptive governance model.

Risk Management and Governance Framework

The governance structure includes four committees: audit, ethics, risk management, and COMAT (a model applied from SICOB), which support administrative oversight.

A committee focused on information security addresses internal risks through education initiatives aimed at reducing vulnerabilities.

Role of Executive Leadership

The auxiliary supervision role extends beyond audits; it encompasses financial statements and special audits conducted by KNAC for all cooperatives.

Emphasis is placed on preventive work within governance structures to identify weaknesses or areas for improvement among cooperatives.

Internal Controls and Strategic Responsibilities

Discussion highlights the importance of internal controls as part of executive responsibilities that bolster overall governance effectiveness.

Strategies are outlined for addressing operational risks while ensuring effective communication between technical teams and the board for strategic direction.

This structured overview captures key insights from the transcript while providing timestamps for easy reference.

Cooperative Governance and Cybersecurity Strategies

Importance of Cooperative Structure

A meeting was held with the board of directors, executive management, and fiscal council to clarify roles within the cooperative structure, addressing confusion between the executive board and the administrative council.

The long-standing presidents have significantly contributed to the cooperatives' current status; however, technical support is essential for continued growth and strength.

Emphasizing a systemic approach is crucial for cooperatives to enhance efficiency in decision-making regarding future strategies.

Cybersecurity Awareness

Advocating for a systemic approach among central and singular cooperatives allows for better data handling and reporting without relying heavily on technical back-office support.

Since 2022, many cooperatives have engaged in a systemic project aimed at improving cybersecurity measures ahead of regulatory requirements.

User Responsibility in Cybersecurity

Highlighting user responsibility as a critical element in cybersecurity; employees must understand their role in maintaining security protocols akin to locking doors when leaving home or entering vehicles.

Training programs are being implemented to educate staff and members about cybersecurity risks associated with everyday technology use.

Tools and Training Initiatives

A playful training tool called "KN before" is being utilized to simplify information security concepts for employees, enhancing engagement during training sessions.

Centralized phishing tests are now extended beyond just the central office to include singular cooperatives, demonstrating an effective educational strategy that has led to improved financial outcomes.

Risk Management Framework

Regular monitoring of risk indicators helps identify vulnerabilities within cooperatives; action plans are developed when significant risks are detected.

Collaboration between risk management and business areas ensures proactive measures are taken when potential issues arise, particularly concerning credit operations.

Cooperative Governance and Risk Management

Role of Executive Board in Cooperative Analysis

The executive board is required to present an analysis to the board of directors regarding the potential consolidation of fragile cooperatives, considering size and operational area to avoid creating further issues.

This responsibility enhances the strategic role of the executive board in addressing future challenges within cooperatives.

Benefits of Inter-Cooperation

Collaboration between two cooperatives can significantly benefit members by combining resources and governance efforts, as highlighted during a recent discussion with risk management directors.

The council's decision to involve risk management in business discussions marks a shift towards a more strategic approach in cooperative operations.

Standardization of Risk Management Practices

Regular meetings among risk directors aim to establish uniform standards for risk assessment, auditing, and internal controls across cooperatives, promoting solidarity within the system.

Emphasizing equal standards strengthens the cooperative framework and enhances overall system resilience.

Recognition of Best Practices

A competition recognizing best practices has been established, highlighting successful management strategies that integrate risk awareness with personnel development. One winning case illustrated balancing control with human resource engagement.

The importance of integrating risk management into all areas of cooperative governance is increasingly recognized among members.

Call for Shared Learning Opportunities

An invitation was extended for inter-cooperation events to share best practices and learn from each other’s experiences, emphasizing mutual growth despite challenges faced by cooperatives.

Insights on CCRED Supervision Operations

Overview of CCRED's Supervisory Role

Reginaldo introduces CCRED's supervisory work, providing context on its significance within the broader cooperative credit system amidst substantial asset growth exceeding 1 trillion BRL.

Evolution of Cooperative Management Complexity

Historical context reveals that early cooperative management was simpler due to fewer products; however, current complexities necessitate deeper engagement with regulatory frameworks like those from Banco Central and OCB (Organização das Cooperativas Brasileiras).

Financial System and Cooperative Growth

Importance of Financial System in Cooperatives

The financial system provides comfort and security for cooperative members, ensuring that they can confidently engage with their cooperatives during assemblies and discussions.

It is crucial for the cooperative entity to demonstrate high levels of regulation and responsibility, fostering trust within society regarding the cooperative system.

Supervisory Structure in CCRED

The supervisory framework within CCRED consists of five central units, each led by a director responsible for supervision. This structure supports effective oversight across all cooperatives.

Regular meetings are held among directors to align supervisory efforts, discuss regulations, and establish guidelines applicable throughout the CCRED system. Technology plays a key role in these processes.

Data Analysis and Risk Management

Utilizing data analysis tools, including artificial intelligence, helps identify significant trends and behavioral signals within cooperatives that require attention. This proactive approach is essential for effective supervision.

A comprehensive risk assessment process involves mapping out potential risks, creating risk matrices, and developing plans to address emerging threats such as cybersecurity issues. Continuous evaluation is necessary to adapt to new challenges.

Transition from Reactive to Preventive Measures

There has been a shift from reactive responses to preventive strategies in managing risks within cooperatives; understanding root causes of problems is vital for improvement. This evolution reflects a commitment to proactive governance practices.

Emphasis on studying past failures allows organizations to enhance their operational frameworks while leveraging technology for better information management without necessarily increasing workforce size.

Collaboration with Auditing Processes

Ongoing collaboration with external auditors ensures that insights from audits are integrated into supervisory practices; this synergy enhances overall effectiveness in monitoring compliance and performance across cooperatives.

Continuous research and innovation are critical components of the supervisory process; developing new mechanisms helps safeguard institutions against potential vulnerabilities while promoting growth within the cooperative sector.

Monitoring and Risk Management in Cooperative Supervision

Overview of Monitoring Processes

The process involves creating monitoring systems to evaluate potential risks associated with cooperative operations, leading to the establishment of necessary oversight mechanisms.

Initial analyses are conducted on identified triggers from monitoring, which may require further action or a plan from the cooperatives based on their nature.

Compliance and recurrence issues are assessed, with some matters requiring action plans that necessitate requests to cooperatives for follow-up.

Continuous Improvement in Supervision

A technical group led by the confederation is working on enhancing supervision maturity across all cooperatives, supported by external consultancy.

The focus is on evaluating the overall supervisory system to ensure continuous improvement and security within the financial system.

Synergy Among Cooperatives

Collaboration between auditing bodies, confederations, and central organizations is emphasized as cooperatives grow and reach higher operational standards (S3).

Discussions include adapting internal audit processes alongside external audits to maintain synergy within cooperative frameworks.

Risk Sharing Mechanism

Introduction of a risk-sharing mechanism formalizes mutual support among cooperatives, ensuring collective responsibility for oversight.

This mechanism aims to enhance cooperation while adhering to established governance practices outlined in supervisory manuals.

Future Directions in Auditing Practices

As structures become more robust through risk-sharing initiatives, there will be opportunities to reassess external auditing roles within cooperatives.

Emphasis is placed on aligning practices with governance procedures documented in supervisory guidelines for effective risk management.

Enhancing Data Utilization

Current efforts involve revisiting normative guidelines applicable across all cooperatives while focusing on risk classification procedures.

The goal is to intensify monitoring through improved data analysis methods that prevent reliance on safety nets like guarantee funds.

Governance and Risk Management in Cooperative Systems

Introduction to Complexity in Data Ecosystems

The complexity of navigating a data ecosystem is highlighted, emphasizing the need for effective governance to leverage data for proactive actions.

Presentation by Alexandre from Unicred

Alexandre introduces himself as a representative of Silvana Agostini, the director responsible for sustainability supervision at Unicred. He aims to uphold her standards during his presentation.

Key Points on Governance Structure

Alexandre discusses the importance of governance and its role in risk management, stating that having tools and skilled personnel is futile without a capable governance structure ready to make tough decisions.

Importance of Decision-Making Preparedness

Effective governance must be prepared to handle conflicts of interest when making decisions based on generated data and information. This foundational aspect is crucial for operational success.

Regulatory Framework Acknowledgment

The current regulatory framework regarding risk management and internal controls is praised as being comparable to international best practices, stressing that it should not be viewed merely as bureaucratic compliance but rather as a strategic advantage.

Integration of Business with Risk Supervision

Emphasizes that business operations must align with risk assessment processes; future strategic decisions should be grounded in thorough evaluations of risks and supervisory controls. This integration fosters sustainable cooperative systems.

Planning and Scope in Supervision

Alexandre notes the tendency towards impulsive action without proper planning when addressing issues within cooperatives, advocating instead for meticulous planning as essential for successful supervision efforts.

Depth and Breadth in Planning

Highlights two critical aspects: external trends (such as insights from external auditors) and internal historical data from cooperatives which inform comprehensive planning efforts within Unicred's supervisory framework.

Risk Appetite Declaration Implementation

Discusses how Unicred established a unified risk appetite declaration across all cooperatives two years ago, ensuring consistent approaches toward credit, liquidity, and capital prudence assessments annually revisited during planning sessions.

Supervisory Pillars at Unicred

Outlines the pillars supporting supervision at Unicred, including consumption of various reports (audits, inspections) which guide decision-making processes regarding cooperative actions needed for remediation or support plans.

Continuous Supervision Approach

Describes continuous supervision practices where ongoing monitoring occurs without defined closure cycles; this includes regular testing across various processes beyond just credit assessments to ensure comprehensive oversight.

Focused Credit Supervision Team

Emphasizes the significance of dedicated teams focusing on credit supervision due to its substantial impact on overall results—70% derived from this area necessitates rigorous inspection protocols alongside risk management strategies.

Supervision and Technology in Credit Risk Management

Importance of Supervision and Credit Risk

The speaker emphasizes the significance of supervision within credit risk management, highlighting its relevance to their operational structure at Unicred.

Acknowledges that technology plays a crucial role in enhancing processes, particularly through data intelligence and automation.

Technological Investments for Process Automation

Unicred has made significant investments in technology aimed at automating processes and utilizing data mining for comprehensive oversight.

Introduction of tools like Databics allows for thorough testing across all cooperative members rather than just individual cooperatives.

Continuous Monitoring Through Technology

The use of technology enables the identification of issues by categorizing them based on cooperatives, enhancing both security and efficiency in operations.

Achieving nearly 100% coverage in credit testing is possible due to advanced data tracking capabilities provided by technological tools.

Automation of Testing Processes

A tool referred to as "monitora" automates the registration and execution of tests, providing daily updates on exceptions found during these tests.

Over 200 tests are registered within this system, allowing cooperatives real-time visibility into their performance metrics.

Centralized Reporting System

The C Suit tool centralizes results from tests and action plans from cooperatives, facilitating better governance and accountability.

This centralized approach allows for detailed analysis regarding compliance with audit recommendations across different cooperatives.

Governance and Accountability Measures

Emphasizes the importance of governance structures that require reporting to councils on significant findings from audits or internal controls.

Establishes a framework where critical issues are escalated appropriately within organizational hierarchies to ensure proper oversight.

Documentation and Process Integrity

Stresses the necessity for well-documented processes to maintain credibility in supervision while avoiding conflicts of interest.

Draw parallels between medical diagnostics and executive decision-making, underscoring the need for early detection of issues within organizations.

Conclusion: Learning Culture at Unicred

Reflecting on seven years at Unicred, the speaker notes an evolving culture focused on learning from experiences akin to practices observed in medicine.

The Importance of Early Diagnosis in Cooperative Supervision

Key Insights on Diagnosis and Risk Management

Effective treatment is more likely with early diagnosis, which minimizes patient harm. This requires significant investment in technology, research, and decision-making.

In cooperative supervision, the goal is to identify risks to continuity early. Despite having reports and indicators, recognizing issues before they escalate remains challenging.

Problems are easier to spot when cooperatives are already deteriorating; proactive measures can lead to less damaging solutions for members.

Governance and Decision-Making

Emphasizing solid governance involves active participation from board members and executives in daily decisions that impact operations.

Collaboration between supervision and business areas is crucial for developing effective solutions that enhance operational stability.

Engaging with Stakeholders

A call for open questions highlights the importance of stakeholder engagement in discussing supervisory roles within institutions.

Reflections on Professional Growth

Personal experiences over 23 years illustrate how perceptions of supervisory structures have evolved towards greater professionalism and collaboration.

Increased proximity between cooperatives and supervisors fosters a culture of support rather than fear, enhancing overall effectiveness.

Building Relationships with Regulatory Bodies

The shift from viewing regulatory bodies as distant entities to collaborative partners has improved communication and problem-solving capabilities among cooperatives.

Acknowledging vulnerabilities within supervisory teams encourages a more supportive environment where all parties work towards mutual growth.

Conclusion: Strengthening Cooperative Systems

The ongoing dialogue about challenges faced by cooperatives emphasizes the need for continuous improvement in governance practices while fostering an atmosphere of trust.

Role of Supervision in Cooperative Credit Systems

Importance of Cooperative Nature

The cooperative nature of credit institutions emphasizes the need for supervision to ensure safety and security for over 20 million members involved in these cooperatives.

There is a heightened commitment to member security compared to other financial institutions, as members are also owners of the cooperatives.

Role of Supervision

Supervision aims to maintain compliance within institutions, ensuring that cooperatives operate safely for both members and society at large.

The supervisory role has gained prominence due to its critical function in safeguarding the cooperative model and enhancing public trust.

Learning from Global Models

Insights gained from international visits have helped develop a robust cooperative model that serves as a reference point for others. This collaborative learning enhances the effectiveness of local systems.

The integration between supervision and cooperatives is viewed positively, highlighting the importance of collaboration in fostering growth and responsibility within the sector.

Sustainable Growth through Supervision

Effective supervision allows for secure risk-sharing among cooperatives, contributing significantly to their asset growth and member engagement. This framework supports sustainable development within credit unions.

Regulatory frameworks established by central authorities bolster the operational strength of cooperatives, enabling them to fulfill their roles more effectively.

Regional Engagement and Observational Practices

Proximity to supervised entities enables supervisors to gain broader insights into operations, which is crucial for effective oversight tailored to regional characteristics and cultural contexts.

Active observation of behavioral patterns within cooperatives helps ensure compliance with regulations while adapting practices based on local needs and dynamics.

Reflections on Maturity and Challenges Ahead

Acknowledgment of diverse approaches within cooperative systems reflects maturity in understanding unique challenges faced by different entities while maintaining common goals related to responsibility and contribution.

Anticipation of upcoming challenges necessitates proactive measures regarding capital levels and provisioning; this foresight is essential for navigating potential difficulties ahead in the sector's evolution.

Closing Remarks and Acknowledgments

Reflections on Challenges and Preparedness

The speaker reflects on the challenges faced since June 25, emphasizing the need to conclude the year effectively despite difficulties. They highlight PowerPoint as a powerful tool for solutions in various situations.

There is a strong emphasis on the value added by auxiliary supervision during tough times, reinforcing confidence in their preparedness to handle adversities. The speaker expresses certainty about their capabilities moving forward.

The necessity of proactive governance is discussed, stressing that measures should be established before problems arise rather than reactively addressing issues as they come up. This includes considerations for temporary administration or co-management strategies.

The importance of minimum capital requirements is highlighted as a significant concern, with an aim to anticipate potential disruptions before they escalate into larger issues. Historical context is provided regarding past challenges faced by cooperatives and how those experiences have strengthened current practices.

The speaker emphasizes a broader responsibility beyond immediate work, focusing on building a sustainable future for future generations and society at large, which underscores the mission of auxiliary supervision in generating effective solutions. Gratitude is expressed towards colleagues and departments involved in supporting cooperative causes.

Acknowledgments and Closing Statements

A heartfelt thank you is extended to all participants involved in organizing the event, including specific mentions of individuals who contributed significantly to its success, showcasing teamwork within the cooperative movement.

Recognition is given to Banco Central's commitment to cooperativism through active participation from various departments, highlighting collaborative efforts that enhance trust within the cooperative system. Special thanks are directed towards communication teams for their meticulous attention to detail during events.

Final acknowledgments are made towards OCB (Organização das Cooperativas Brasileiras), SECO (Sistema de Cooperativas), and Cressol for their roles in facilitating discussions around important topics affecting cooperatives today, reinforcing community ties within this sector.

Transitioning to Next Panel

Introduction of Upcoming Discussions

An announcement signals a brief intermission before resuming with further technical panels focused on credit authorization processes and regulatory evolution within cooperatives, indicating ongoing engagement with critical industry topics moving forward.

Introduction to the Discussion

Opening Remarks by Moderators

The legal manager of Central Sicred Sul Sudeste, Ms. Simone E, is introduced alongside Mr. Eno Mini from the Executive GT as moderators of the session.

Acknowledgment of remote participants watching via YouTube and appreciation for their presence is expressed. The speaker thanks everyone for their support.

The theme of the discussion is praised, highlighting its relevance and importance in current contexts, particularly regarding women's representation in governance roles within cooperatives.

Gender Representation in Cooperatives

The speaker emphasizes a significant gender disparity in leadership roles within credit cooperatives, noting that while women make up 45% of membership, they are underrepresented in governance positions.

This discrepancy presents both a challenge and an opportunity for improvement in gender equity within cooperative structures.

Discussion on Banco Central's Role

Overview of Banco Central's Involvement

Carolina from Banco Central is invited to present her insights on cooperative systems and regulatory frameworks affecting them. She highlights the collaborative nature of this event with UCB (Union of Credit Cooperatives).

Emphasis on the importance of interaction between various departments within Banco Central to address issues relevant to cooperativism and improve relationships among stakeholders is made.

Recent Initiatives and Improvements

A recent pilot project aimed at reducing analysis time for election processes and statutory reforms was conducted with several central cooperatives participating actively since 2022. This initiative has shown positive results despite challenges faced during implementation.

There has been an increase in clarity regarding reputational issues among cooperatives, leading to more proactive engagement before problems escalate to formal oversight by Banco Central. This shift indicates a growing empowerment among central organizations concerning their affiliates' governance processes.

Operational Insights into Governance Processes

Importance of Detailed Information Management

Effective governance relies heavily on accurate data management tools like Unicad, which are essential for both supervision and authorization processes within cooperatives; thus, investment in these systems is crucial for operational efficiency.

Evolving Systems and Continuous Improvement

Challenges in System Transition

The importance of accurate record-keeping is emphasized, noting that incomplete records can lead to significant issues rather than mere details.

Transitioning responsibilities between entities may result in temporary quality loss due to changes in personnel or training gaps, highlighting the need for redundancy in operations.

Operational Efficiency and Training

Continuous investment in staff training is crucial for operational efficiency; examples include ensuring teams are well-prepared to handle transitions effectively.

The speaker stresses the value of ongoing support from management teams to clarify doubts and improve processes through consistent interaction.

Learning and Evaluation

Encouragement for self-evaluation within organizations is presented as a means to identify areas for improvement, fostering a culture of continuous learning.

Standardization and Collaboration

There’s a call for greater involvement from confederations to enhance standardization across concepts, which could improve overall execution quality.

Discussions on expanding the scope of auxiliary authorizations indicate an interest in evolving roles while maintaining focus on current operational themes.

Impartiality in Decision-Making

Emphasis on the necessity for technical analysis devoid of personal biases when evaluating candidates for positions within cooperatives is highlighted.

Acknowledgment that while there has been progress since 2022, further consolidation and refinement are needed before advancing discussions on new topics or ideas.

Insights from Governance Leadership

New Leadership Dynamics

Introduction by Viviane Rodrigues, who recently assumed her role as governance manager, reflects on the significance of leadership transitions within cooperative systems.

Succession Planning Importance

The recent succession at ALIS underscores the increased responsibility placed upon new leaders, particularly regarding knowledge transfer about cooperative practices.

Governance Structure and Processes in Cooperatives

Overview of Governance Structure

The governance structure includes the Board of Directors, Executive Management led by Ivo, and the Governance Superintendency.

The speaker manages the Governance Department, which is divided into cooperative governance, development, ombudsman services, and corporate governance.

Centralized processes for elections and statutory reforms ensure uniformity across affiliated cooperatives.

Assembly Process and Guidelines

Changes to statutes and election guidelines are established by the Central's Board of Directors during assembly meetings.

The assembly process flows uniformly for both the central organization and its affiliates, ensuring consistency in operations.

Reports on assembly evaluations and election assessments are generated to promote continuous improvement within cooperatives.

Standardization of Statutes

Since 2011, all affiliated cooperatives have adopted a standardized social statute to streamline governance practices.

New affiliations undergo a thorough review process that includes updating statutes and adhering to systemic policies.

Efficiency through Automation

A digital tool (GOVBR) has been implemented for document certification, enhancing efficiency in obtaining necessary certificates for compliance.

Standardized documents include candidate registration forms and eligibility requirements; automation speeds up these processes significantly.

Compliance Checks and Candidate Evaluation

After certifying candidates' documents, a compliance report is issued to confirm their eligibility for positions within cooperatives.

The electoral commission assists in verifying candidate qualifications while ensuring adherence to governance standards.

Addressing Candidate Substitutions

Candidates may be substituted due to legal issues or incompatibility with required roles based on their qualifications.

Preventive measures are taken by reviewing documentation thoroughly before elections to support smooth electoral processes.

Cooperatives and Challenges in Compliance

Understanding Inadimplência (Delinquency) in Cooperatives

The issue of delinquency is significant for cooperatives, as it can lead to impediments for candidates who are not compliant with financial obligations.

Candidates are often reminded of the need to regularize their status and ensure all necessary documentation is up-to-date. This includes reviewing certificates and maintaining proper records.

Election Dynamics within Cooperatives

A notable trend observed is that there are typically three candidates per cooperative during elections, with a total of 84 candidates in 2024, down from 29 in previous years. This indicates a shift in candidate participation over time.

The Banco Central has streamlined the approval process for candidates, reducing the average processing time from 21 days to 18 days, reflecting improvements in operational efficiency within the cooperative system.

Insights on Governance and Process Improvement

The speaker expresses pride in being part of TIB (Technical Information Base), highlighting the seriousness with which their team approaches compliance and governance within the cooperative system. They encourage questions about their processes and data management practices.

The Role of Cressol in Cooperative Governance

Introduction to Cressol's Risk Management

Carol Gesser introduces herself as representing Cressol, emphasizing her experience both at the central level and within legal operations, providing a comprehensive view of risk management strategies employed by Cressol.

Historical Context of Governance Changes

A timeline detailing key developments at Cressol Baser shows significant milestones such as standardizing statutes across cooperatives starting from 2010, which was crucial for achieving governance maturity.

By 2011, internal regulations were standardized among member cooperatives, ensuring uniformity in electoral processes including requirements for candidacy documentation—an essential step towards cohesive governance practices.

Recent Developments and Future Perspectives

In 2018, further advancements were made when Cressol centralized its operations regarding assembly requests after extensive collaboration with Banco Central; this marked another pivotal moment towards enhancing operational effectiveness within the cooperative framework.

Centralization and Governance in Cooperative Systems

Evolution of Centralization Efforts

The alignment with regional bases was solidified, leading to a centralized approach by 2018 for assembly processes and corporate acts.

In 2018, the central organization became more integrated with individual cooperatives, focusing on both operational aspects and the quality of leadership candidates.

A robust analysis of candidates was established, indicating a preparatory movement towards future developments in governance.

Pilot Project Launch in 2022

By September 2022, a pilot project was introduced to enhance cooperative systems, marking a significant operational shift within the central organization.

The central organization had already adopted operational flows similar to those required by the pilot project prior to its launch.

The pilot project strengthened governance through increased trust from regulatory bodies like the Central Bank, allowing for better alignment with cooperatives.

Implementation of Regulatory Framework

The focus shifted towards efficient implementation of Instruction Normative 453 and auxiliary authorization processes as part of regulatory compliance.

Emphasis was placed on improving internal workflows and training for electoral committees to enhance candidate analysis capabilities.

Enhanced mechanisms were developed for analyzing candidates' historical data, providing substantial support to electoral committees during elections.

Key Outcomes from Recent Changes

Significant reductions in processing times for candidate analyses were noted, which is crucial for maintaining smooth operations within cooperatives.

There has been an increase in standardization and quality across proposals submitted by cooperatives due to improved oversight from the central organization.

Overall improvements have led to greater systemic maturity and enhanced governance structures within cooperative frameworks.

Future Perspectives for Cressol System

Current efforts are focused on achieving systemic alignment across all levels of cooperation beyond just individual centers but also at confederation levels.

Continuous improvement initiatives are underway aimed at refining processes while leveraging technological advancements that can aid cooperative operations effectively.

Cressol System Insights

Quality and Compliance in Candidate Analysis

The focus is on enhancing the quality of analyses related to candidates, utilizing a wide range of market tools to ensure compliance with corporate actions.

Emphasis on maintaining high standards in operational processes as foundational for advancing organizational objectives.

Acknowledgment of Governance Efforts

Recognition of Michele Matos and her team at Sicoob for their challenging role in governance across 14 central cooperatives and 320 cooperatives.

Encouragement for participants to formulate questions for further discussion after the presentations.

Central Sicred Sul Sudeste Overview

Introduction by Simone Rio, highlighting her role representing CCRED and sharing practices from Central Sicred Sul Sudeste, which operates in multiple Brazilian states.

Discussion on the need for restructuring within the organization due to a lean team and opportunities for process improvement through automation.

Strategic Roles of the Central

The central's strategic roles include developing, organizing, supervising, and representing its affiliated cooperatives. Each verb signifies a key function within the authorization process.

Development Initiatives

Focus on training all employees from affiliated cooperatives regarding electoral processes and providing support during assembly procedures. This includes assistance with director nominations and electoral commission training.

Organizational Improvements

Implementation of a technological platform to streamline the auxiliary authorization process, ensuring that documents are archived correctly while reducing manual errors associated with data entry tasks.

Supervision Mechanisms

Through this platform, compliance monitoring is enhanced, allowing for efficient issuance of necessary declarations sent to regulatory bodies like Banco Central. This ensures adherence to established norms throughout each phase of candidate processing.

Representation Responsibilities

After confirming candidates' qualifications, protocols are submitted to regulators following all stipulated phases outlined in normative instructions (e.g., instruction normative 453). This step solidifies accountability within cooperative operations.

Process of Cooperative Assembly and Legal Compliance

Overview of the Assembly Process

The legal team evaluates the assembly or electoral process, providing feedback and assistance before document submission.

For assemblies without reforms or elections, the process is straightforward; however, if there are elections or statutory reforms, specific procedures must be followed.

Document Submission and Deadlines

Once an assembly is confirmed with necessary changes, a 15-day countdown begins for document preparation.

The central legal team sends documents to UNICAD for verification and collects required signatures before submitting any statutory amendments to the Central Bank.

Compliance and Statutory Requirements

After receiving approval from Bassen, documents are filed with the commercial registry. A standard statute template is recommended for cooperatives but can be modified based on unique needs.

Definitions of "petrified clauses" in statutes were established collaboratively with CAS's legal team to ensure compliance by 2028.

Background Checks and Monitoring

CAS provides a background check process for candidate reputation analysis, which includes risk assessments and recommendations beyond basic cooperative evaluations.

A new monitoring tool is being piloted to track elected officials' reputations throughout their terms, assessing various factors like debt status and media presence.

Efficiency Gains Through Automation

Challenges have been transformed into opportunities by streamlining internal processes through automation, significantly reducing operational tasks related to declarations submitted to the Central Bank.

The time taken for homologation has decreased dramatically; some processes are now completed within two weeks. Ongoing risk mapping and control implementations are also underway.

Conclusion

The speaker expresses gratitude towards participants while highlighting collaborative efforts among different systems led by women in leadership roles within cooperatives.

Intercooperação e Padronização no Sistema Cooperativo

Introdução ao Projeto de Intercooperação

O responsável pela gestão do projeto de intercooperação da OCB, Lúcio, inicia a discussão sobre a potencialidade de um sistema único para todas as centrais.

Ele menciona a importância de uma interface com o Banco Central e o DEOF, sugerindo que isso poderia otimizar processos e reduzir prazos.

Proposta de Sistema Único

Lúcio propõe a criação de um grupo para desenvolver um sistema único que beneficie todos os sistemas cooperativos.

Ele parabeniza o Banco Central pela iniciativa de redução de prazos, destacando sua experiência anterior com processos burocráticos.

Desafios na Implementação do Estatuto Padrão

Rogério Deorf levanta preocupações sobre a dificuldade em implementar estatutos padrão entre as cooperativas filiadas, mencionando problemas recorrentes desde 2018.

Ele destaca como algumas cooperativas tentam desviar do estatuto padrão, criando cláusulas que podem ser ilegais ou fora do contexto.

Características Regionais e Resistência à Padronização

Um participante discute as características regionais das cooperativas que dificultam a aceitação da padronização dos estatutos.

A resistência é atribuída à diversidade nas práticas e governança das diferentes centrais e singulares.

Importância da Responsabilidade Coletiva

Outro participante enfatiza que a padronização deve ser não negociável e que as diretrizes devem vir do conselho administrativo representativo.

A responsabilidade compartilhada é crucial para garantir que todos os membros compreendam os riscos associados às mudanças nos estatutos.

Governance and Intercoopération in Cooperatives

Enhancing Governance for Healthier Operations

The discussion begins with a focus on governance changes aimed at improving the health of cooperatives, emphasizing that all processes are managed by the legal department of the central organization.

It is noted that while there may not be direct negotiations currently, prior discussions have shaped the framework for cooperation among cooperatives. This includes establishing a standard statute model to streamline future interactions.

The Value of Intercoopération

A participant highlights the benefits of intercoopération, such as synergy and efficiency gains, which contribute to improved quality outcomes beyond just time savings. This reflects a genuine practice of collaboration among cooperatives.

The speaker questions why these collaborative ideas weren't implemented sooner, suggesting that scaling operations could lead to reduced bureaucratic structures and enhanced technological integration.

Future Opportunities and Requests

There is an emphasis on exploring additional governance processes that could enhance quality and reduce bureaucracy within cooperatives, indicating a desire for continuous improvement through intercoopération.

A call is made for concrete requests to the Central Bank regarding potential expansions or permissions that would facilitate better governance practices across regional or national levels. This reflects an ongoing dialogue about enhancing operational capabilities based on past successes.

Continuous Improvement in Governance

Participants discuss how continuous improvement relates to healthy governance practices, particularly focusing on data governance challenges faced by UNICAD (National Cooperative Data System). Suggestions include improving understanding and updating manuals related to cooperative operations for better overall quality management.

Discussion on Commercial Registry and Process Automation

Challenges with Signature Acceptance

The conversation highlights the inconsistency in signature acceptance between the Junta Comercial and Banco Central, causing delays in processes.

There is a mention of exploring other valid signature options to streamline operations.

Process Tracking Enhancements

A new feature on Banco Central's website allows users to track the status of their processes by entering a specific process number.

The current tracking system indicates whether a process is distributed or under analysis, with plans for more detailed updates in the future.

Communication and Collaboration

Discussion about improving communication regarding who is handling specific processes, emphasizing accountability within teams.

Suggestions are made to share feedback from confederations regarding expedients, aiming for better collaboration.

Standardization and Compliance Issues

Concerns raised about central entities sending mixed messages regarding compliance with statutes; clarity on what constitutes "out of standard" is needed.

Emphasis on providing detailed explanations when statutes deviate from standards to avoid confusion during approvals.

Recommendations for Improvement

A call for sensitivity in identifying deviations from standards while ensuring that minor adjustments do not hinder overall compliance.

Proposal for an automated email notification system when requirements are updated, reducing the need for constant manual checks on Banco Central’s website.

Discussion on Systemic Arrangements and Challenges

Importance of Updated Information

The speaker emphasizes the necessity of regularly checking for updates in the system, especially when making requests. This ensures that users are aware of any changes or new information.

There is a suggestion to implement a notification system that could alert registered emails about updates, enhancing communication and awareness.

Addressing Systemic Challenges

Acknowledgment of existing challenges within the systemic arrangement, particularly regarding efficiency and regulatory compliance. The speaker notes the need for ongoing dialogue to address these issues.

The distinction between autonomy and sovereignty is highlighted as a critical area needing clarification to avoid confusion within the systemic framework.

Gradual Progress and Inclusivity

Emphasis on taking incremental steps towards improvement while allowing space for local specificities to be considered in discussions, preventing potential conflicts.

Reflection on past progress over five years, indicating significant advancements have been made but acknowledging that further evolution is necessary.

Engaging Creative Solutions

Proposal to invite creative cooperatives into discussions to leverage their innovative ideas during debates, suggesting an inclusive approach to problem-solving.

Encouragement for participants to submit proposals for discussion, with assurance that valuable contributions will be recognized and potentially integrated into systemic content.

Collaboration and Support Mechanisms

Reminder about Article 16 from normative institutions which allows credit centers' activities to be partially executed by confederations authorized by the Central Bank. This highlights collaborative frameworks in place.

Discussion on how confederations can enhance processes through delegation, aiming at improving operational efficiency across systems.

Continuous Improvement Initiatives

Recognition of ongoing efforts toward better training programs aimed at enhancing technical skills among elected representatives within central organizations.

Call for continuous investment in process qualification and operational improvements as part of a broader strategy for effective governance.

Discussion on Continuous Improvement and Governance

Importance of Open Dialogue

The speaker emphasizes the need for continuous improvement and learning within the organization, highlighting a reduction in election rejections due to better preparation by cooperatives.

A call is made for maintaining open communication to bring suggestions that can help tackle new challenges and improve processes.

Resource Management Challenges

The speaker expresses difficulty in hiring more staff despite requests, indicating a need to streamline simpler processes to focus on more complex tasks.

Collaboration from all members is deemed essential for reducing effort in simpler processes, allowing more attention to be given to complex issues.

Trust and Governance Strengthening

Acknowledgment of the trust placed by regulators in cooperatives is highlighted as crucial for fostering closer relationships and addressing uncertainties.

A well-structured process is seen as vital for strengthening governance, which in turn supports growth within the cooperative system.

Celebrating Progress and Future Goals

Recognition of past successes, particularly regarding auxiliary authorizations, indicates maturity within cooperative systems ready for future challenges.

Maintaining high standards of excellence is emphasized as necessary for achieving future objectives related to delegations and building a solid foundation for expansion.

Gratitude Towards Support Systems

Appreciation is expressed towards colleagues at Banco Central for their ongoing support, reinforcing the importance of teamwork in achieving goals.

The increase in responsibility has led to healthier governance structures that enhance security within social frameworks aligned with cooperative principles.

Reflection on Development Processes

The speaker reflects on significant development stemming from internal discussions initiated years prior, acknowledging collective contributions that have kept initiatives active.

Closing Remarks and Acknowledgments

Final expressions of gratitude are directed towards OCB (Organização das Cooperativas Brasileiras), Banco Central, and key leaders involved in supporting the cooperative sector.

Emphasis on responsibility as a cornerstone of freedom within cooperatives highlights its role in expanding opportunities while ensuring accountability.

Event Summary and Closing Remarks

Acknowledgments and Invitation

The speaker expresses gratitude to the virtual audience who joined via YouTube, highlighting the enriching nature of the afternoon's events.

An invitation is extended to all attendees for a cocktail reception taking place outside in the hall of Auditório Dênio Nogueira.

Information is provided regarding transportation arrangements for external guests, with microbuses scheduled to transport them from Banco Central to their respective hotels in the northern and southern hotel sectors.