A near miss is a negative and anomalous event that causes an accident without damage to people, corporates or environmental assets due to fortunate and/or random circumstances. A series of these events can be the precursor to a harmful incident with serious consequences because of inadequacies in internal processes. The management of a company should mitigate such inadequacies promptly to avoid future disasters. Near miss analysis is a milestone of the operational risk management framework in financial institutions. Therefore, near misses represent a primary information source to analyze the operational risk exposure of the company, since they can reveal gaps in the control environment. The model proposed in this paper aims at identifying the most dangerous events that could happen in a financial institution using near miss data collection. The output of the model is a near miss ranking, in decreasing order of significance in terms of possible damage, which supports the management in prioritizing mitigation actions, in line with the principles of parsimony and efficiency.

中文翻译：

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重要的是肉眼看不见：优先考虑未遂事件以防止未来的灾难

未遂事故是由于幸运和/或随机情况而导致事故而不会对人员、公司或环境资产造成损害的负面和异常事件。由于内部流程的不足，一系列此类事件可能是有害事件的前兆，并导致严重后果。公司管理层应及时缓解此类不足，以避免未来发生灾难。险兆分析是金融机构操作风险管理框架的一个里程碑。因此，未遂事件是分析公司运营风险敞口的主要信息来源，因为它们可以揭示控制环境中的漏洞。本文提出的模型旨在使用未遂数据收集来识别金融机构中可能发生的最危险事件。