Ferramentas ágeis para melhoria da gestão de riscos em projetos de instituições financeiras

Abstract

In a sector where design flaws can have irreversible regulatory and reputational impacts, traditional risk management has proven slow to keep pace with volatility and constant regulatory changes. Thus, the question arises of how agile tools, focused on speed, can be used to strengthen risk control in highly regulated Financial Institutions (FIs). This dissertation aimed to investigate how agile tools can improve risk management in projects conducted in this segment, operating in a complex environment with significant challenges generated by the sector's volatility. A literature review revealed a gap in the use of these tools to mitigate operational, strategic, and regulatory risks in the financial sector. Investigating this gap was important to contribute to governance, improving project implementation processes and the traceability of evolutions and changes that occur throughout projects, in an environment with rigorous regulations and requirements. Specifically, the objectives included mapping the risks faced by FIs in projects of a regulatory, strategic, or operational nature; This project aimed to identify the agile tools used to support risk management in these projects; empirically analyze how these tools have been used to mitigate project risks; and propose a model that could be practically applied to integrate the tools and risk management. The research utilized agile tools such as Scrum and Kanban, frameworks such as SAFe, and DevOps practices, aligned with the classic risk management concepts of the Project Management Institute. A literature review revealed that the structured use of these practices has led to the development of specific and practical models for the financial sector. The research was qualitative, employing a single case study method, conducted at a financial institution in the state of São Paulo. Data collection was carried out through semi-structured interviews with professionals specializing in financial projects; participant observation; and analysis of project documents. Data analysis was performed using content analysis. A model was proposed that contributes to the risk management and control system in projects using agile tools. The objective of this model is to support the use of agile tools, perceived as a relevant improvement in risk mitigation in projects conducted in environments such as the financial sector. As a theoretical contribution, it is expected to broaden the academic debate on the integration between governance and agility in risk management in projects within regulated sectors such as financial institutions, in addition to expanding the risk taxonomy. The practical contribution proposes a model to support project managers and teams in risk management processes, enabling them to act proactively and ensuring compliance with required regulatory requirements and constant changes. The dissertation, with its technological product, aligns with the Sustainable Development Goals (SDGs) established by the United Nations, specifically promoting SDG 8. This research is aligned with research line 2 "Advanced Management of Projects, Programs and Portfolios", linked to the Postgraduate Program in Project Management – PPGP UNINOVE. This dissertation is also aligned with other research by its advisor, linked to the core project "Agile and Hybrid Projects".