{"id":2732,"date":"2024-03-05T11:26:07","date_gmt":"2024-03-05T11:26:07","guid":{"rendered":"https:\/\/anti-fraud.pl\/?p=2732"},"modified":"2024-03-05T12:12:40","modified_gmt":"2024-03-05T12:12:40","slug":"metody-oceny-ryzyka-w-audycie-antyfraudowym","status":"publish","type":"post","link":"https:\/\/anti-fraud.pl\/?p=2732","title":{"rendered":"Metody oceny ryzyka w audycie antyfraudowym"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2732\" class=\"elementor elementor-2732\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f4bfeeb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f4bfeeb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-582f307\" data-id=\"582f307\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f364659 elementor-widget elementor-widget-heading\" data-id=\"f364659\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 26-05-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Metody oceny ryzyka w audycie antyfraudowym: klucz do ochrony przed nadu\u017cyciami<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee097c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee097c8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-86ec316\" data-id=\"86ec316\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b3e6e2 elementor-widget elementor-widget-text-editor\" data-id=\"7b3e6e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 26-05-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>W dobie dynamicznego rozwoju rynk\u00f3w finansowych oraz post\u0119puj\u0105cej cyfryzacji, organizacje na ca\u0142ym \u015bwiecie staj\u0105 przed rosn\u0105cym wyzwaniem zwi\u0105zanym z zapobieganiem nadu\u017cyciom finansowym. <a href=\"https:\/\/anti-fraud.pl\/?page_id=1510\">Audyt antyfraudowy,<\/a> jako kluczowy element strategii zarz\u0105dzania ryzykiem, wykorzystuje szereg metod oceny ryzyka, aby identyfikowa\u0107 potencjalne s\u0142abo\u015bci i zabezpiecza\u0107 organizacj\u0119 przed mo\u017cliwymi stratami. Niniejszy artyku\u0142 prezentuje g\u0142\u00f3wne metody oceny ryzyka stosowane w audytach antyfraudowych.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5c54094 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c54094\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b2680f\" data-id=\"4b2680f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a14a6d elementor-widget elementor-widget-heading\" data-id=\"7a14a6d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Analiza ryzyka oparta na modelach<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c3e53bf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c3e53bf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73bf7e0\" data-id=\"73bf7e0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8493c26 elementor-widget elementor-widget-text-editor\" data-id=\"8493c26\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Jedn\u0105 z najcz\u0119\u015bciej stosowanych metod w audycie antyfraudowym jest analiza ryzyka oparta na modelach. Metoda ta wykorzystuje dane historyczne i algorytmy statystyczne do prognozowania prawdopodobie\u0144stwa wyst\u0105pienia nadu\u017cy\u0107. Modelowanie ryzyka umo\u017cliwia audytorom identyfikacj\u0119 wzorc\u00f3w i anomalii, kt\u00f3re mog\u0105 wskazywa\u0107 na potencjalne oszustwa.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b1edb0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b1edb0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-400a864\" data-id=\"400a864\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64f8cad elementor-widget elementor-widget-heading\" data-id=\"64f8cad\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ocena ryzyka oparta na scenariuszach<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db130a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db130a4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-22ba34c\" data-id=\"22ba34c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1770abd elementor-widget elementor-widget-text-editor\" data-id=\"1770abd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Ocena ryzyka oparta na scenariuszach koncentruje si\u0119 na identyfikacji i analizie konkretnych scenariuszy nadu\u017cy\u0107, kt\u00f3re mog\u0105 wyst\u0105pi\u0107 w organizacji. Audytorzy bior\u0105 pod uwag\u0119 r\u00f3\u017cne czynniki, takie jak charakterystyka bran\u017cy, struktura organizacyjna czy wcze\u015bniej identyfikowane przypadki nadu\u017cy\u0107, aby zdefiniowa\u0107 realistyczne scenariusze oszustw i oceni\u0107 ich potencjalny wp\u0142yw na organizacj\u0119.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9f0386 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9f0386\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f3a87f5\" data-id=\"f3a87f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2703ecf elementor-widget elementor-widget-heading\" data-id=\"2703ecf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ocena kontroli wewn\u0119trznych<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7235f97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7235f97\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bf73144\" data-id=\"bf73144\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aabf92c elementor-widget elementor-widget-text-editor\" data-id=\"aabf92c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Kluczowym elementem audytu antyfraudowego jest ocena skuteczno\u015bci istniej\u0105cych kontroli wewn\u0119trznych w organizacji. Metoda ta polega na identyfikacji i testowaniu mechanizm\u00f3w kontroli zaprojektowanych do zapobiegania i wykrywania nadu\u017cy\u0107. Obejmuje to ocen\u0119 polityk i procedur, system\u00f3w informatycznych, proces\u00f3w segregacji obowi\u0105zk\u00f3w oraz \u015brodk\u00f3w monitorowania i raportowania.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-66ba25c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66ba25c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-581c7d2\" data-id=\"581c7d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b51d4a elementor-widget elementor-widget-heading\" data-id=\"6b51d4a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Analiza danych i wykorzystanie technologii<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d9eee03 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d9eee03\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32457da\" data-id=\"32457da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cab81e4 elementor-widget elementor-widget-text-editor\" data-id=\"cab81e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Wsp\u00f3\u0142czesny <a href=\"https:\/\/anti-fraud.pl\/?page_id=1510\">audyt antyfraudowy<\/a> coraz cz\u0119\u015bciej wykorzystuje zaawansowane narz\u0119dzia analityczne i technologiczne, takie jak oprogramowanie do analizy danych, sztuczna inteligencja (AI) i uczenie maszynowe. Te technologie pozwalaj\u0105 na przetwarzanie i analiz\u0119 du\u017cych zbior\u00f3w danych w celu wykrywania nietypowych transakcji, anomalii i potencjalnych sygna\u0142\u00f3w ostrzegawczych wskazuj\u0105cych na ryzyko nadu\u017cy\u0107.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-06d4045 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"06d4045\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e913de\" data-id=\"6e913de\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d82f836 elementor-widget elementor-widget-heading\" data-id=\"d82f836\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ocena ryzyka oparta na czynnikach behawioralnych<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8e19ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f8e19ff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5e0fa48\" data-id=\"5e0fa48\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a40ca60 elementor-widget elementor-widget-text-editor\" data-id=\"a40ca60\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Metoda ta skupia si\u0119 na analizie zachowa\u0144 pracownik\u00f3w i mo\u017ce wykrywa\u0107 potencjalne nadu\u017cycia poprzez identyfikacj\u0119 nietypowych wzorc\u00f3w zachowa\u0144 lub zmian w zachowaniu. Audytorzy mog\u0105 u\u017cywa\u0107 narz\u0119dzi monitorowania elektronicznego lub psychometrycznych test\u00f3w oceny, aby zidentyfikowa\u0107 osoby, kt\u00f3re mog\u0105 stanowi\u0107 wi\u0119ksze ryzyko nadu\u017cy\u0107.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-572d521 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"572d521\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-81ad686\" data-id=\"81ad686\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46e9c32 elementor-widget elementor-widget-heading\" data-id=\"46e9c32\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wnioski<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b9de93b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b9de93b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f73ba57\" data-id=\"f73ba57\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6674885 elementor-widget elementor-widget-text-editor\" data-id=\"6674885\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Efektywne zarz\u0105dzanie ryzykiem nadu\u017cy\u0107 finansowych wymaga zintegrowanego podej\u015bcia i stosowania r\u00f3\u017cnorodnych metod oceny ryzyka. Wykorzystanie powy\u017cszych metod w <a href=\"https:\/\/anti-fraud.pl\/?page_id=1510\">audytach antyfraudowych<\/a> nie tylko zwi\u0119ksza skuteczno\u015b\u0107 identyfikacji potencjalnych zagro\u017ce\u0144, ale tak\u017ce umo\u017cliwia wdro\u017cenie bardziej celowanych dzia\u0142a\u0144 prewencyjnych.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ed15faa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ed15faa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4f077f6\" data-id=\"4f077f6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e77b07 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9e77b07\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! 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Zapraszam do wsp\u00f3\u0142pracy.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b392ab elementor-widget elementor-widget-image\" data-id=\"0b392ab\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 26-05-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/anti-fraud.pl\/wp-content\/uploads\/2024\/01\/Zdjecie-WhatsApp-2024-01-12-o-12.55.38_f78e1697.jpg\" title=\"polityki i procedury\" alt=\"polityki i procedury\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6231c34 elementor-widget elementor-widget-text-editor\" data-id=\"6231c34\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>Skontaktuj si\u0119 ze mn\u0105:&nbsp;<\/strong><\/p>\n<p style=\"text-align: center;\"><strong>+48 790 730 918&nbsp;<\/strong><\/p>\n<p style=\"text-align: center;\"><strong>&nbsp;biuro@anti-fraud.pl<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b53005b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b53005b\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span 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