{"id":26824,"date":"2025-02-15T10:00:00","date_gmt":"2025-02-15T10:00:00","guid":{"rendered":"https:\/\/eonimpresa.albaniainsight.com\/sektori-bankar-financiar-detyrimet-dpa-perpunuesit-smsi-hetimi-komisionerit-ligji-124\/"},"modified":"2026-10-28T19:56:13","modified_gmt":"2026-10-28T19:56:13","slug":"sektori-bankar-financiar-detyrimet-dpa-perpunuesit-smsi-hetimi-komisionerit-ligji-124","status":"publish","type":"post","link":"https:\/\/eonimpresa.albaniainsight.com\/it\/sektori-bankar-financiar-detyrimet-dpa-perpunuesit-smsi-hetimi-komisionerit-ligji-124\/","title":{"rendered":"Sektori Bankar dhe Financiar: Detyrimet p\u00ebr Marr\u00ebveshjet DPA me P\u00ebrpunuesit dhe Standardet SMSI sipas Hetimit t\u00eb Komisionerit n\u00eb kuad\u00ebr t\u00eb Ligjit Nr. 124\/2024"},"content":{"rendered":"<div style=\"background-color: #f0f7fd; border-left: 5px solid #0056b3; padding: 20px; margin-bottom: 25px; border-radius: 4px;\">\n<h3 style=\"margin-top: 0; color: #0056b3;\">P\u00cbRMBLEDHJE EKZEKUTIVE E HETIMIT SEKTORIAL<\/h3>\n<ul style=\"margin-bottom: 0; padding-left: 20px; line-height: 1.7;\">\n<li><strong>Autoriteti Mbik\u00ebqyr\u00ebs:<\/strong> Komisioneri p\u00ebr t\u00eb Drejt\u00ebn e Informimit dhe Mbrojtjen e t\u00eb Dh\u00ebnave Personale (KDIMDP)<\/li>\n<li><strong>Aktet Rregullatore:<\/strong> Rekomandimet Nr. 1, 2, 33, 34\/2025<\/li>\n<li><strong>Sektori i Hetuar:<\/strong> Bankat Tregtare t\u00eb Nivelit t\u00eb Dyt\u00eb dhe Institucionet Financiare Jo-Banka n\u00eb Shqip\u00ebri<\/li>\n<li><strong>\u00c7\u00ebshtjet Kryesore:<\/strong> P\u00ebrpunimi i t\u00eb dh\u00ebnave t\u00eb kredimarr\u00ebsve dhe debitor\u00ebve; marr\u00ebdh\u00ebniet me agjencit\u00eb e mbledhjes s\u00eb detyrimeve (DPA); sistemet e kamerave CCTV n\u00eb deg\u00eb dhe zbatimi i certifikimit SMSI sipas Udh\u00ebzimit Nr. 48 t\u00eb Komisionerit<\/li>\n<li><strong>Masat e Vendosura:<\/strong> Detyrime t\u00eb prera korrigjuese me afate t\u00eb p\u00ebrcaktuara nga Komisioneri (15 deri n\u00eb 60 dit\u00eb) p\u00ebr rishikimin e kontratave t\u00eb p\u00ebrpunimit dhe certifikimin e sistemeve t\u00eb siguris\u00eb.<\/li>\n<\/ul>\n<\/div>\n<p>Sektori bankar dhe financiar p\u00ebrfaq\u00ebson nj\u00eb nga fushat m\u00eb t\u00eb rregulluara dhe m\u00eb t\u00eb ndjeshme p\u00ebr sa i p\u00ebrket privat\u00ebsis\u00eb n\u00eb Shqip\u00ebri. Bankat tregtare administrojn\u00eb \u00e7do dit\u00eb historikun financiar, t\u00eb ardhurat, transaksionet, t\u00eb dh\u00ebnat biometrike dhe llogarit\u00eb e qindra mij\u00ebra qytetar\u00ebve. P\u00ebrmes nj\u00eb serie hetimesh administrative t\u00eb nisura n\u00eb fillim t\u00eb vitit 2025 (t\u00eb reflektuara n\u00eb <strong>Rekomandimet Nr. 1, 2, 33 dhe 34<\/strong>), Komisioneri p\u00ebr Mbrojtjen e t\u00eb Dh\u00ebnave Personale (KDIMDP) ka analizuar holl\u00ebsisht p\u00ebrputhshm\u00ebrin\u00eb e institucioneve bankare me k\u00ebrkesat e <strong>Ligjit Nr. 124\/2024<\/strong>.<\/p>\n<p>Hetimi ka v\u00ebn\u00eb n\u00eb qend\u00ebr t\u00eb v\u00ebmendjes dy pika tejet kritike: zinxhirin e n\u00ebnkontraktimit (agjencit\u00eb e mbledhjes s\u00eb borxhit, qendrat e thirrjeve dhe sh\u00ebrbimet cloud) dhe zbatimin e Sistemit t\u00eb Menaxhimit t\u00eb Siguris\u00eb s\u00eb Informacionit (SMSI) sipas standardeve nd\u00ebrkomb\u00ebtare.<\/p>\n<h2>Gjetjet dhe Pikat Kritike t\u00eb Hetimit t\u00eb Komisionerit<\/h2>\n<p>N\u00eb p\u00ebrfundim t\u00eb procedurave hetimore pran\u00eb strukturave bankare, Komisioneri evidentoi nevoj\u00ebn e nd\u00ebrhyrjeve t\u00eb menj\u00ebhershme n\u00eb k\u00ebto aspekte:<\/p>\n<ol style=\"line-height: 1.8;\">\n<li><strong>Rishikimi i Marr\u00ebveshjeve me P\u00ebrpunuesit e Jasht\u00ebm (Neni 20\/26):<\/strong> Ndarja e t\u00eb dh\u00ebnave t\u00eb klient\u00ebve dhe debitor\u00ebve me shoq\u00ebri p\u00ebrmbarimore, agjenci t\u00eb rikuperimit t\u00eb kredive me probleme dhe ofrues t\u00eb jasht\u00ebm IT k\u00ebrkon marr\u00ebveshje formale DPA me klauzola specifike sigurie, sipas Udh\u00ebzimit Nr. 19 t\u00eb Komisionerit.<\/li>\n<li><strong>Certifikimi SMSI sipas Udh\u00ebzimit Nr. 48:<\/strong> P\u00ebr shkak t\u00eb rrezikut t\u00eb lart\u00eb financiar dhe shkall\u00ebs s\u00eb gjer\u00eb t\u00eb p\u00ebrpunimit, Komisioneri urdh\u00ebroi bankat t\u00eb marrin masa konkrete p\u00ebr vler\u00ebsimin dhe certifikimin formal t\u00eb sistemeve t\u00eb tyre SMSI sipas standardit ISO 27001 \/ ISO 27701.<\/li>\n<li><strong>Rivler\u00ebsimi i Pozicionimit t\u00eb Kamerave CCTV (Nenet 5 dhe 6):<\/strong> N\u00eb disa deg\u00eb bankare u konstatua se kamerat monitoronin zona q\u00eb tejkalonin nevoj\u00ebn reale t\u00eb siguris\u00eb (sportele me fush\u00ebpamje t\u00eb pafavorshme, hyrje t\u00eb zyrave t\u00eb stafit apo trotuare publike), duke k\u00ebrkuar rivler\u00ebsim t\u00eb plot\u00eb brenda 15 dit\u00ebve.<\/li>\n<li><strong>Trajnimi i Vazhduesh\u00ebm i Punonj\u00ebsve (Udh\u00ebzimi Nr. 47):<\/strong> Detyrimi i bankave p\u00ebr t\u00eb dokumentuar trajnimet periodike t\u00eb oficer\u00ebve t\u00eb kredis\u00eb, stafit t\u00eb sportelit dhe administrator\u00ebve t\u00eb sistemeve mbi rregullat e reja t\u00eb privat\u00ebsis\u00eb.<\/li>\n<li><strong>Afatet e Ruajtjes s\u00eb Historikut t\u00eb Kredive:<\/strong> P\u00ebrcaktimi i protokolleve strikte p\u00ebr fshirjen e t\u00eb dh\u00ebnave personale pas shlyerjes s\u00eb plot\u00eb t\u00eb detyrimeve dhe p\u00ebrfundimit t\u00eb afateve ligjore t\u00eb arkivimit.<\/li>\n<\/ol>\n<h2>Analiz\u00eb e Sjelljes s\u00eb Komisionerit<\/h2>\n<p>Hetimi mbi sektorin bankar tregon qart\u00eb filozofin\u00eb rregullatore t\u00eb Komisionerit n\u00eb sektor\u00ebt me kompleksitet t\u00eb lart\u00eb:<\/p>\n<div style=\"background-color: #fdfefe; border: 1px solid #d5dbdb; padding: 18px; margin: 20px 0; border-radius: 4px;\">\n<h4 style=\"margin-top: 0; color: #1b4f72;\">1. K\u00ebrkesa e Standardeve t\u00eb Certifikuara Nd\u00ebrkomb\u00ebtare (ISO 27001)<\/h4>\n<p>Ndryshe nga bizneset e vogla ku k\u00ebrkohen thjesht rregullore t\u00eb brendshme, p\u00ebr sektorin bankar Komisioneri aktivizoi Udh\u00ebzimin Nr. 48, i cili parashikon certifikimin formal t\u00eb sistemeve t\u00eb menaxhimit t\u00eb siguris\u00eb s\u00eb informacionit. Ky q\u00ebndrim p\u00ebrcakton se vet\u00ebdeklarimi i siguris\u00eb nga nj\u00eb institucion financiar nuk \u00ebsht\u00eb i mjaftuesh\u00ebm; k\u00ebrkohet auditim dhe certifikim i pavarur.<\/p>\n<\/div>\n<div style=\"background-color: #fdfefe; border: 1px solid #d5dbdb; padding: 18px; margin: 20px 0; border-radius: 4px;\">\n<h4 style=\"margin-top: 0; color: #1b4f72;\">2. Mbik\u00ebqyrja e Rrept\u00eb e Agjencive t\u00eb Mbledhjes s\u00eb Borxhit<\/h4>\n<p>Komisioneri ka theksuar se banka si Kontrolluese mban p\u00ebrgjegj\u00ebsi t\u00eb drejtp\u00ebrdrejt\u00eb p\u00ebr \u00e7do tejkalim apo abuzim t\u00eb kryer nga kompanit\u00eb e mbledhjes s\u00eb borxhit ndaj debitor\u00ebve. N\u00ebse agjencia e jashtme kontakton familjar\u00ebt e debitorit pa baz\u00eb ligjore apo ruan t\u00eb dh\u00ebna t\u00eb paautorizuara, shkelja i atribuohet institucionit bankar p\u00ebr munges\u00eb t\u00eb nj\u00eb kontrate DPA dhe munges\u00eb t\u00eb mbik\u00ebqyrjes s\u00eb p\u00ebrpunuesit.<\/p>\n<\/div>\n<div style=\"background-color: #fdfefe; border: 1px solid #d5dbdb; padding: 18px; margin: 20px 0; border-radius: 4px;\">\n<h4 style=\"margin-top: 0; color: #1b4f72;\">3. Balanca mes Siguris\u00eb Fizike dhe Privat\u00ebsis\u00eb (CCTV n\u00eb Deg\u00eb)<\/h4>\n<p>Edhe pse siguria e vlerave monetare k\u00ebrkon kamera, Komisioneri refuzoi mbik\u00ebqyrjen e pakufizuar n\u00eb deg\u00eb. Autoriteti urdh\u00ebroi nj\u00eb rivler\u00ebsim t\u00eb domosdoshm\u00ebris\u00eb dhe proporcionalitetit brenda 15 dit\u00ebve, duke k\u00ebrkuar q\u00eb k\u00ebndet t\u00eb kufizohen rrept\u00ebsisht te sporteli dhe arka, pa filmuar ekranet personale t\u00eb klient\u00ebve apo hyrjet e ambienteve t\u00eb pap\u00ebrshtatshme.<\/p>\n<\/div>\n<div style=\"background-color: #fdfefe; border: 1px solid #d5dbdb; padding: 18px; margin: 20px 0; border-radius: 4px;\">\n<h4 style=\"margin-top: 0; color: #1b4f72;\">4. Qasja Dialoguese me Kufij Kohor\u00eb t\u00eb Rrept\u00eb<\/h4>\n<p>Duke njohur rolin ky\u00e7 t\u00eb bankave n\u00eb stabilitetin ekonomik, Komisioneri p\u00ebrdori institutin e Rekomandimit si nj\u00eb platform\u00eb p\u00ebr p\u00ebrshtatje institucionale, por vendosi afate t\u00eb panegociueshme: 15 dit\u00eb p\u00ebr kamerat dhe parimet e mbledhjes, 30 dit\u00eb p\u00ebr kontratat DPA dhe rregulloret, dhe 45 dit\u00eb p\u00ebr trajnimin SMSI. \u00c7do tejkalim afati pasohet nga hapja e procedimit administrativ me gjob\u00eb.<\/p>\n<\/div>\n<h2>Kuadri Rregullator sipas Ligjit Nr. 124\/2024<\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 25px 0;\">\n<thead>\n<tr style=\"background-color: #003366; color: #ffffff;\">\n<th style=\"padding: 12px; border: 1px solid #ddd; text-align: left;\">Fusha e Hetimit<\/th>\n<th style=\"padding: 12px; border: 1px solid #ddd; text-align: left;\">Baza Ligjore<\/th>\n<th style=\"padding: 12px; border: 1px solid #ddd; text-align: left;\">K\u00ebrkesa e Detyrueshme e Komisionerit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 12px; border: 1px solid #ddd;\"><strong>Kontratat DPA<\/strong><\/td>\n<td style=\"padding: 12px; border: 1px solid #ddd;\">Nenet 20 &#038; 26, Udh\u00ebzimi 19<\/td>\n<td style=\"padding: 12px; border: 1px solid #ddd;\">Rishikimi i t\u00eb gjitha marr\u00ebveshjeve me agjencit\u00eb e mbledhjes s\u00eb kredive dhe kompanit\u00eb IT me p\u00ebrcaktim t\u00eb sakt\u00eb t\u00eb p\u00ebrgjegj\u00ebsive ligjore.<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9;\">\n<td style=\"padding: 12px; border: 1px solid #ddd;\"><strong>Certifikimi SMSI<\/strong><\/td>\n<td style=\"padding: 12px; border: 1px solid #ddd;\">Neni 28, Udh\u00ebzimi 48<\/td>\n<td style=\"padding: 12px; border: 1px solid #ddd;\">Marrja e masave p\u00ebr certifikimin formal t\u00eb sistemit t\u00eb menaxhimit t\u00eb siguris\u00eb s\u00eb informacionit dhe mbrojtjes s\u00eb t\u00eb dh\u00ebnave (ISO 27001\/27701).<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 12px; border: 1px solid #ddd;\"><strong>Kamerat n\u00eb Deg\u00eb<\/strong><\/td>\n<td style=\"padding: 12px; border: 1px solid #ddd;\">Nenet 5 &#038; 6<\/td>\n<td style=\"padding: 12px; border: 1px solid #ddd;\">Rivler\u00ebsimi brenda 15 dit\u00ebve i pozicionimit t\u00eb kamerave dhe eliminimi i k\u00ebndeve q\u00eb cenojn\u00eb privat\u00ebsin\u00eb e klient\u00ebve ose punonj\u00ebsve.<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9;\">\n<td style=\"padding: 12px; border: 1px solid #ddd;\"><strong>Trajnimi i Stafit<\/strong><\/td>\n<td style=\"padding: 12px; border: 1px solid #ddd;\">Udh\u00ebzimi Nr. 47<\/td>\n<td style=\"padding: 12px; border: 1px solid #ddd;\">Kryerja e trajnimeve periodike dhe administrimi i d\u00ebshmive t\u00eb pjes\u00ebmarrjes p\u00ebr t\u00eb gjith\u00eb punonj\u00ebsit me akses n\u00eb t\u00eb dh\u00ebnat bankare.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div style=\"background-color: #eafaf1; border-left: 5px solid #27ae60; padding: 20px; margin: 25px 0; border-radius: 4px;\">\n<h4 style=\"margin-top: 0; color: #1e8449;\">PAKETA E PAJTUESHM\u00cbRIS\u00cb NGA STUDIO EON P\u00cbR BANKAT DHE INSTITUCIONET FINANCIARE<\/h4>\n<p><strong>Studio EON<\/strong> asiston bankat dhe institucionet e paras\u00eb elektronike me ekspertiz\u00eb t\u00eb lart\u00eb rregullatore:<\/p>\n<ul style=\"margin-bottom: 0; line-height: 1.7;\">\n<li><strong>Auditimi dhe Hartimi i Marr\u00ebveshjeve DPA:<\/strong> Standardizim i kontratave me n\u00ebnkontraktor\u00ebt e borxheve, call centers dhe sh\u00ebrbimet cloud.<\/li>\n<li><strong>P\u00ebrgatitja p\u00ebr Certifikimin SMSI (ISO 27001\/27701):<\/strong> Analiz\u00eb e boshll\u00ebqeve (Gap Analysis) dhe asistenc\u00eb deri n\u00eb certifikimin p\u00ebrfundimtar sipas Udh\u00ebzimit 48.<\/li>\n<li><strong>Auditim i Sistemeve CCTV dhe Vler\u00ebsim Ndikimi (DPIA):<\/strong> Verifikim i proporcionalitetit n\u00eb deg\u00eb dhe hartim i raporteve teknike.<\/li>\n<li><strong>Trajnimi i Certifikuar i Punonj\u00ebsve:<\/strong> Programe trajnimi n\u00eb p\u00ebrputhje me k\u00ebrkesat e Udh\u00ebzimit Nr. 47 t\u00eb Komisionerit.<\/li>\n<\/ul>\n<\/div>\n<p><em>Konsulent\u00ebt e <strong>Studio EON<\/strong> garantojn\u00eb p\u00ebr institucionet financiare n\u00eb Shqip\u00ebri nj\u00eb nivel t\u00eb lart\u00eb sigurie rregullatore, duke parandaluar d\u00ebmet reputacionale dhe penalitetet nga autoritetet mbik\u00ebqyr\u00ebse.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Hetimi i Komisionerit p\u00ebr Mbrojtjen e t\u00eb Dh\u00ebnave (KDIMDP) n\u00eb sektorin bankar p\u00ebrcakton standarde rigoroze p\u00ebr kontratat DPA me agjencit\u00eb e mbledhjes s\u00eb borxhit, kamerat CCTV n\u00eb deg\u00eb dhe certifikimin SMSI sipas Udh\u00ebzimeve 47 dhe 48.<\/p>","protected":false},"author":1,"featured_media":26823,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[],"class_list":["post-26824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"_links":{"self":[{"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/posts\/26824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/comments?post=26824"}],"version-history":[{"count":1,"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/posts\/26824\/revisions"}],"predecessor-version":[{"id":27557,"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/posts\/26824\/revisions\/27557"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/media\/26823"}],"wp:attachment":[{"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/media?parent=26824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/categories?post=26824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eonimpresa.albaniainsight.com\/it\/wp-json\/wp\/v2\/tags?post=26824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}