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",{"text":372,"type":349,"marks":373},"De ECB-gids over klimaat- en milieurisico’s",[374],{"type":353,"attrs":375},{"href":376,"uuid":356,"anchor":356,"target":377,"linktype":110},"https:\u002F\u002Fwww.bankingsupervision.europa.eu\u002Fecb\u002Fpub\u002Fpdf\u002Fssm.202011finalguideonclimate-relatedandenvironmentalrisks~58213f6564.en.pdf","_blank",{"text":379,"type":349}," is daarin een belangrijke aanjager geweest en dwingt ",{"text":381,"type":349,"marks":382},"banken",[383],{"type":353,"attrs":384},{"href":385,"uuid":356,"anchor":356,"target":357,"linktype":12},"\u002Fbanking",{"text":387,"type":349}," om klimaatoverwegingen te verankeren in hun strategie, governance en risicomanagement. Verplichte kaders als de Corporate Sustainability Reporting Directive (CSRD) hebben die integratie verder gebracht door de rapportageverplichtingen rond klimaatrisico te standaardiseren en te verbreden. Ook de EU-taxonomie heeft een grote rol gespeeld in het versnellen van klimaatgerelateerde regelgeving in Europa.",{"type":345,"content":389},[390],{"text":391,"type":349},"Die taxonomie geeft heldere criteria voor duurzame activiteiten en stuurt bedrijven en financiële instellingen zo naar duurzame besluitvorming. Daarnaast heeft het rapportagekader van de Taskforce on Climate-related Financial Disclosures (TCFD), hoewel vrijwillig, kaders als de ECB-gids en de CSRD gevoed en organisaties aangezet tot meer transparantie over klimaatrisico’s. Vooruitkijkend zal de opname van klimaatrisico’s in CRR3\u002FCRD6 de verankering in de risicomanagement frameworks van financiële instellingen verder versterken. Ook de EBA Guidelines on the management of ESG risks van 9 januari 2025 en de onlangs gepubliceerde EBA Draft Guidelines on ESG Scenario Analysis, waarop tot 16 april 2025 kan worden gereageerd, dragen daaraan bij; beide treden naar verwachting op 11 januari 2026 in werking.",{"type":361,"attrs":393,"content":394},{"level":363},[395],{"text":396,"type":349},"…naar een brede natuurfocus",{"type":345,"content":398},[399],{"text":400,"type":349},"Klimaatrisico’s kennen de meeste regelgeving, maar ook rond natuurgerelateerde risico’s wordt voortgang geboekt. Initiatieven zoals de ECB-gids over klimaat- en milieurisico’s en het rapportagekader van de Taskforce on Nature-related Financial Disclosures (TNFD) stimuleren financiële instellingen om natuurgerelateerde risico’s in hun strategie op te nemen. Het TNFD-kader is voorlopig vrijwillig, maar de adoptie neemt toe: ruim 500 bedrijven en financiële instellingen hebben toegezegd te gaan rapporteren over natuur op basis van de aanbevelingen, zoals de TNFD aankondigde op de COP16-biodiversiteitsconferentie. De EBA Guidelines over het beheersen van ESG-risico’s zullen naar verwachting extra houvast bieden bij het verankeren van deze factoren in risicomanagement. Daarbij groeit het besef dat klimaat- en natuurgerelateerde risico’s met elkaar samenhangen, wat bij zowel bedrijven als toezichthouders tot een dieper begrip van het onderwerp leidt. Dat zal vrijwel zeker leiden tot toekomstige aanpassingen in de regelgeving.",{"type":361,"attrs":402,"content":403},{"level":363},[404],{"text":405,"type":349},"Sociale factoren blijven achter",{"type":345,"content":407},[408],{"text":409,"type":349},"Waar natuurgerelateerde risico’s aandacht winnen, is de aandacht voor sociale risico’s nog minder ver. Na de publicatie van de EU-taxonomie (‘groen’) kreeg de Europese Commissie de opdracht te onderzoeken of daar sociale doelstellingen aan konden worden toegevoegd. De Commissie richtte daarop het Platform on Sustainable Finance op, dat in februari 2022 een technisch rapport over de sociale taxonomie publiceerde. Dat rapport stelt een structuur voor een sociale taxonomie voor en doet aanbevelingen voor een kader om sociaal duurzame activiteiten te identificeren. Een formele sociale taxonomie is er echter nog niet: de ontwikkeling ervan werd uitgesteld tot ten minste het einde van de vorige zittingsperiode, die op 31 oktober 2024 afliep.",{"type":345,"content":411},[412],{"text":413,"type":349},"Het uitstel kwam vooral door de complexiteit van gemeenschappelijke definities en meetwaarden voor sociale investeringen, in combinatie met een gebrek aan politieke consensus. Naarmate de nieuwe zittingsperiode vordert, ontstaat er ruimte om het gesprek over de sociale taxonomie te hervatten, al zal tastbare voortgang gezien de bestaande knelpunten waarschijnlijk lang op zich laten wachten. Toch dwingen andere kaders financiële instellingen geleidelijk om sociale risico’s mee te wegen, zoals de CSRD-rapportagevereisten voor sociale factoren. Daarnaast markeert de recente oprichting van de Taskforce on Inequality and Social-related Financial Disclosures (TISFD), in het voetspoor van de TCFD en de TNFD, een belangrijke eerste stap naar richtlijnen voor sociale risico’s.",{"type":361,"attrs":415,"content":416},{"level":363},[417],{"text":418,"type":349},"Van klimaat naar natuur en sociaal: voorbereid op de volgende golf ESG-regelgeving",{"type":345,"content":420},[421],{"text":422,"type":349},"De tijdlijn hierboven laat een duidelijke lijn zien: de regelgeving rond klimaatrisico’s heeft de weg gebaand, en natuur- en sociale risico’s volgen eenzelfde pad. De eerste stap daarin is de oprichting van taskforces als de TCFD, de TNFD en recenter de TISFD. Als tweede stap introduceren die taskforces vrijwillige rapportagekaders, met een methodiek om niet alleen over het onderwerp te rapporteren, maar er ook over te denken en te spreken. Die kaders voeden vervolgens direct regelgeving, of winnen terrein doordat instellingen ze vrijwillig overnemen, zoals bij het TNFD-kader. Als derde stap monden deze ontwikkelingen uit in concrete vereisten in regelgeving. Dit patroon van drie stappen laat zien dat klimaatrisico’s tot nu toe de meeste aandacht kregen, maar dat natuur- en sociale risico’s naar verwachting dezelfde route volgen en de komende jaren in regelgeving worden verankerd.",{"type":345,"content":424},[425],{"text":426,"type":349},"Op dit moment richten de toezichtprioriteiten zich echter uitsluitend op klimaatrisico’s. In het vierde kwartaal van 2024 publiceerde DNB haar toezichtstrategie voor 2025-2028, waarin zij aangeeft prioriteit te geven aan het verder verankeren van klimaatrisico’s in het reguliere toezicht, met weinig aandacht voor andere ESG-risico’s. Die keuze verrast niet, gezien de volwassenheid van klimaatgerelateerde regelgeving ten opzichte van de beperkte houvast rond natuur-, sociale en governance risico’s. Toch laat de trend zien dat instellingen er baat bij hebben deze opkomende risico’s nu al in hun frameworks op te nemen, zodat zij klaar zijn wanneer die onvermijdelijk in regelgeving landen. Wie vroeg begint, loopt voor op de troepen: dat maakt compliance efficiënter en beperkt toekomstige auditbevindingen, boetes en reputatierisico’s.",{"type":361,"attrs":428,"content":429},{"level":363},[430],{"text":431,"type":349},"Bereid u voor op de verwachte ontwikkelingen rond natuur- en sociaal risicomanagement",{"type":345,"content":433},[434],{"text":435,"type":349},"Bij ACE helpen wij u uw organisatie voor te bereiden op de verwachte ontwikkelingen rond natuur- en sociaal risicomanagement. Onze expertise in ESG-risicomanagement en onze ervaring met het verankeren van klimaatrisicofactoren in risicomanagement frameworks stellen ons in staat u door deze komende regulatoire verandering te loodsen.",{"type":345,"content":437},[438,440,446],{"text":439,"type":349},"Bij ACE volgen en analyseren wij doorlopend de nieuwe ontwikkelingen in ESG en risicomanagement. De grote ESG-deadlines liggen nog voor ons, maar onze experts verkennen het veranderende landschap nu al om onze klanten voor te bereiden op wat komt. Ontdek onze inzichten en laten wij bespreken hoe onze expertise uw risicomanagementstrategie vandaag versterkt, en bij de regelgeving van morgen. Neem contact op met ",{"text":441,"type":349,"marks":442},"Bas Beerkens",[443],{"type":353,"attrs":444},{"href":445,"uuid":356,"anchor":356,"target":356,"linktype":110},"https:\u002F\u002Facecompany.nl\u002Fteam\u002Fbas-beerkens\u002F",{"text":447,"type":349}," of Kiki Hajer.","2025-04-07 11:33:22","News",{"id":451,"alt":333,"filename":452,"fieldtype":453},205752465786375,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F294177895581993\u002F230355\u002F313ae37654\u002Fintegrating-environmental-social-factors.png","asset","Milieu- en sociale factoren in risicomanagement: een tussenstand",{"name":456,"created_at":457,"published_at":458,"updated_at":459,"id":460,"uuid":461,"content":462,"slug":525,"full_slug":526,"sort_by_date":356,"position":527,"tag_list":528,"is_startpage":29,"parent_id":529,"meta_data":356,"group_id":530,"first_published_at":531,"release_id":356,"lang":532,"path":356,"alternates":533,"default_full_slug":356,"translated_slugs":356,"_stopResolving":15},"Geert Waardenburg","2026-07-31T10:04:18.438Z","2026-08-26T07:44:30.339Z","2026-08-26T07:44:30.360Z",203991688998527,"3c6aa411-ab9d-41a6-af6a-f625ffdb50bd",{"bio":463,"_uid":485,"name":456,"role":486,"email":487,"facts":488,"phone":517,"photo":518,"quote":521,"linkedin":522,"component":523,"quote_source":524},{"type":342,"content":464},[465,469,473,477,481],{"type":345,"content":466},[467],{"text":468,"type":349},"Niets is zo blijvend als verandering. De financiële sector maakt veel veranderingen door. Zowel aan de kant van de toezichthouder, waar nieuwe en veranderende wet- en regelgeving regelmatig aan de orde van de dag zijn, als in de markt, waar nieuwe technologie zowel het klantgedrag als de inrichting van de organisatie bepaalt.",{"type":345,"content":470},[471],{"text":472,"type":349},"Ik geloof in de persoonlijke aanpak die wij met Ace voorstaan: kleine teams met hoogwaardige expertise, in nauwe samenwerking met de klant, met als doel blijvende capabilities voor de klant op te leveren.",{"type":345,"content":474},[475],{"text":476,"type":349},"De belangrijkste uitdaging is om duurzame verandering in een organisatie door te voeren. Daarvoor is het cruciaal dat u handelt vanuit de normen en waarden waar u als organisatie voor staat … en daar draag ik graag aan bij!",{"type":345,"content":478},[479],{"text":480,"type":349},"Dat doe ik door overzicht te creëren en met creatieve oplossingen te komen, vanuit de overtuiging dat elk probleem een unieke aanpak vraagt.",{"type":345,"content":482},[483],{"text":484,"type":349},"Naast mijn werk breng ik mijn tijd het liefst door met familie, vrienden en op de racefiets.","59ba0a59-74a7-4c6a-882c-4a5307b6434a","Partner","geert.waardenburg@acecompany.nl",[489,499,508],{"_uid":490,"label":491,"value":492,"component":498},"8f9c2cdb-9d36-4312-a7d2-9046bc86e48f","Eerder",{"type":342,"content":493},[494],{"type":345,"content":495},[496],{"text":497,"type":349},"Director Data & Technology Risk bij Deloitte","team_fact",{"_uid":500,"label":501,"value":502,"component":498},"2ba36eed-fc9f-4891-83bd-b72999e8c855","Expertise",{"type":342,"content":503},[504],{"type":345,"content":505},[506],{"text":507,"type":349},"Regulatory Change | Finance Performance Management | Unlocking data value through emergent technology | Compliance and regulatory reporting | BCBS #239 | Data Quality Management | Operational Risk | Complex Transformation Orchestration and Leadership",{"_uid":509,"label":510,"value":511,"component":498},"d54feb0a-bae8-4908-a4f3-b29f4dc75292","Opleiding",{"type":342,"content":512},[513],{"type":345,"content":514},[515],{"text":516,"type":349},"Bedrijfskunde, Rijksuniversiteit Groningen | Executive Master in IT Auditing, Vrije Universiteit Amsterdam","06 2078 9946",{"id":519,"alt":456,"name":9,"focus":9,"title":9,"filename":520,"copyright":9,"fieldtype":453},203988195678177,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F294177895581993\u002F768x931\u002F258d55211b\u002Fteam-geert-waardenburg.webp","Er zijn drie constanten in het leven… verandering, keuze en principes.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fgeertwaardenburg\u002F","team_member","Stephen Covey","geert-waardenburg","nl\u002Fteam\u002Fgeert-waardenburg",-50,[],203991674748537,"31bb549f-c3a5-4ef9-8655-d0a68f3ef9d9","2026-07-31T10:04:18.476Z","nl",[],"Nu de impact van environmental, social en governance (ESG) vraagstukken wereldwijd toeneemt, groeit de druk op financiële instellingen om deze factoren te verankeren in hun risicomanagement frameworks. Waar…","article","https:\u002F\u002Facecompany.nl\u002Fblog\u002Fintegrated-risk-management\u002Fintegrating-environmental-social-factors\u002F","integrating-environmental-social-factors","nl\u002Fnews\u002Fintegrating-environmental-social-factors",-120,[],205752346605937,"c88ae0be-cee0-4115-8540-739b093c3d7c","2026-08-05T09:28:57.202Z",[],1788359998,[547],{"name":456,"created_at":457,"published_at":458,"updated_at":459,"id":460,"uuid":461,"content":548,"slug":525,"full_slug":526,"sort_by_date":356,"position":527,"tag_list":586,"is_startpage":29,"parent_id":529,"meta_data":356,"group_id":530,"first_published_at":531,"release_id":356,"lang":532,"path":356,"alternates":587,"default_full_slug":356,"translated_slugs":356},{"bio":549,"_uid":485,"name":456,"role":486,"email":487,"facts":566,"phone":517,"photo":585,"quote":521,"linkedin":522,"component":523,"quote_source":524},{"type":342,"content":550},[551,554,557,560,563],{"type":345,"content":552},[553],{"text":468,"type":349},{"type":345,"content":555},[556],{"text":472,"type":349},{"type":345,"content":558},[559],{"text":476,"type":349},{"type":345,"content":561},[562],{"text":480,"type":349},{"type":345,"content":564},[565],{"text":484,"type":349},[567,573,579],{"_uid":490,"label":491,"value":568,"component":498},{"type":342,"content":569},[570],{"type":345,"content":571},[572],{"text":497,"type":349},{"_uid":500,"label":501,"value":574,"component":498},{"type":342,"content":575},[576],{"type":345,"content":577},[578],{"text":507,"type":349},{"_uid":509,"label":510,"value":580,"component":498},{"type":342,"content":581},[582],{"type":345,"content":583},[584],{"text":516,"type":349},{"id":519,"alt":456,"name":9,"focus":9,"title":9,"filename":520,"copyright":9,"fieldtype":453},[],[],[],{"age":590,"cache-control":591,"connection":592,"content-encoding":593,"content-type":594,"date":595,"etag":596,"referrer-policy":597,"sb-be-version":598,"server":599,"transfer-encoding":600,"vary":601,"via":602,"x-amz-cf-id":603,"x-amz-cf-pop":604,"x-cache":605,"x-content-type-options":606,"x-frame-options":607,"x-permitted-cross-domain-policies":207,"x-request-id":608,"x-runtime":609,"x-xss-protection":610},"5003","max-age=0, public, s-maxage=604800, stale-if-error=3600","keep-alive","gzip","application\u002Fjson; charset=utf-8","Wed, 02 Sep 2026 14:40:35 GMT","W\u002F\"2ef8de46f0f46cdf022dbb96ffc8749d\"","strict-origin-when-cross-origin","5.959.0","nginx\u002F1.29.1","chunked","Origin,Accept-Encoding","1.1 ef315c477bb47c8fcfecf9e0377b18b0.cloudfront.net (CloudFront)","a-Rr79v_ZwblsD25fyYTpWcAlwGJhWTLfisxrDz9_LGe93-I85Qqnw==","IAD55-P6","Hit from cloudfront","nosniff","SAMEORIGIN","0f3891bf-d7a6-4d00-91dc-37851183be91","0.043279","0",1788365037250]