+Article 2 2.

Article 2 2.

Les entités financières veillent à ce que les politiques de sécurité des TIC visées au paragraphe 1:

a) 

soient alignées sur les objectifs de l’entité financière en matière de sécurité de l’information définis dans la stratégie de résilience opérationnelle numérique visée à l’article 6, paragraphe 8, du règlement (UE) 2022/2554;

b) 

indiquent la date de l’approbation formelle des politiques de sécurité des TIC par l’organe de direction;

c) 

contiennent des indicateurs et des mesures pour:

i) 

suivre la mise en œuvre des politiques, procédures, protocoles et outils de sécurité des TIC;

ii) 

enregistrer les exceptions à cette mise en œuvre;

iii) 

veiller à ce que la résilience opérationnelle numérique de l’entité financière soit assurée en cas d’exceptions visées au point ii);

d) 

précisent les responsabilités du personnel à tous les niveaux afin d’assurer la sécurité des TIC de l’entité financière;

e) 

précisent les conséquences du non-respect, par le personnel de l’entité financière, des politiques de sécurité des TIC, lorsque des dispositions à cet effet ne sont pas prévues dans d’autres politiques de l’entité financière;

f) 

répertorient les documents à tenir à jour;

g) 

précisent les modalités de séparation des fonctions dans le cadre du modèle reposant sur trois lignes de défense ou d’un autre modèle interne de gestion et de contrôle des risques, selon le cas, afin d’éviter les conflits d’intérêts;

h) 

tiennent compte des pratiques de pointe et, le cas échéant, des normes telles que définies à l’article 2, point 1), du règlement (UE) no 1025/2012;

i) 

définissent les rôles et les responsabilités en ce qui concerne l’élaboration, la mise en œuvre et la maintenance des politiques, procédures, protocoles et outils de sécurité des TIC;

j) 

soient réexaminées conformément à l’article 6, paragraphe 5, du règlement (UE) 2022/2554;

k) 

tiennent compte des changements importants concernant l’entité financière, notamment des changements importants intervenant dans ses activités ou processus, dans l’éventail des cybermenaces ou dans les obligations légales applicables.

1. Vue d’ensemble

,

1.1 Références

1.2 Exigences identifiées

1.3 Normes associées

2. Exigences identifiées

Exigences

3. Normes associées

Normes
NOREA Critical and Important Functions
Identify, classify and adequately document all critical and important functions. This process involves determining which functions are essential for the entity's operational stability and continuity. Review as needed, and at least yearly, the adequacy of this classification.
NOREA Clear Segregation of Duties (SoD)
Establish Segregation of Duties (SoD) with regard to risk management functions, following the three lines of defence model or internal risk management and control model.
NOREA ICT Risk management framework

A sound, comprehensive and well-documented ICT risk management framework is in place. Which as goal to address all ICT risks properly and ensure a high level of digital resilience. The reponsibility for risk management is properly assigned to a control function. 

The ICT risk management framework shall be documented and reviewed at least annually, or periodically for microenterprises, with immediate reviews triggered by major ICT-related incidents or supervisory feedback. Continuous improvement will be ensured by incorporating lessons learned from implementation, monitoring, and audits. The report of the review will be prepared according to the requirements as stated in chapter 5 (Article 27) of the RTS RM and will be made available for submission to the competent authority upon request. 

Assess new standards and relevant technology developments in the field of information security, cybersecurity and resilience on a continuous basis and make proposals on how they can strengthen the information security and cybersecurity control measures of the institution.
NOREA Annual Framework Review and Audit Process

The effectiveness of the risk management framework is monitored based on the risk exposure over time to critical or important business functions. Implement a reviewing and auditing process, with a minimum yearly review of the framework, triggered by major ICT incidents, regulator instructions, or major audit findings. 

The tasks of verifying compliance with ICT risk management requirements may be outsourced to intra-group or external undertakings. In case of such outsourcing, the financial entity remains fully responsible for the verification of compliance with the ICT risk management requirements.
NOREA Third-Party (Multi-vendor) Risk Management Program

Maintain a comprehensive third-party risk management program which includes:

  • A register of information related to the use of thirdparty service providers, especially those supporting critical or important functions (see also control 17.3).
  • Put in place a policy on the management of ICT third-parties, including the criteria for determining the criticality of service providers and the internal responsibilities for managing third-parties.
  • Ensuring that senior management reviews the policy and designate a member to monitor relations with the third-parties and the contractual arrangements.
  • A (holistic) multi-vendor strategy, if deemed relevant,  showing key dependencies on ICT third-party service providers and explaining the rationale behind the procurement mix of ICT third-party service providers.  
NOREA Protection Measures

Implement policies and procedures to protect all information, ICT assets, and relevant physical ICT components and infrastructures. At least the following policies shall be established and maintained.

  • Security policy
  • Human resources policy
  • Encryption and cryptographic control policy
  • Identity and access management (IAM) policy
  • Change management policy
  • Network security policy
  • ICT operating policies and procedures
  • (Crisis) Communication policy
  • Vulnerability and patch management policy
  • Back up policy
  • Project management policy
  • Physical and environmental security policy
  • Business continuity policy with response and recovery plans (including testing plans), see control1.4 *
  • ICT third-party service providers management policy, see control 1.1. *
  • Operations of ICT assets (ensuring network security, protect against intrusions and data misuse and defining how the entity operates, monitors, controls, and restores ICT assets, including the documentation of ICT operations).

* must be approved by the Management body