Thanks to its ambitious strategic plan and its Excellence Programme, the Collective Scheme for Retirement Allowances of Morocco (Régime collectif d'allocation de retraite (RCAR)) implemented a fully flexible multichannel customer relationship system, to anticipate and meet the expectations of the government, its customers and its partners.
Good governance on Fund financing requires a set of regular checks including proof of life.
In this context and in anticipation of a national and computerized civil register allowing death investigations, the Pension Fund of Morocco (Caisse marocaine des retraites (CMR)) has adopted an innovative practice based on pension provision control in the beneficiary's bank branch. Thus, targeted pensioners simply go to their usual bank branch to get their pensions by e-mandate. This release is therefore treated as a proof of life.
Financial performance certification is a commitment by the Pension Fund of Morocco (Caisse marocaine des retraites (CMR)) since 2009 concerning its governing bodies. This practice is part of the management reserve fund's modernization (FDR: fonds de réserve) scheme.
In fact, the CMR opted, without regulatory constraint, for the performance certification of the various pension plan portfolios it manages. It is an annual total portfolio and asset class financial performance audit by an independent expert.
The Directorate of Workers 19 Social Protection (Direction de la Protection Sociale des Travailleurs (DAPS)) developed the ATLAS software as part of the reflection on and reform of pension schemes in Morocco. It is designed to respond to the specificities of Moroccan pension schemes. It can be used to develop projections that will assist in piloting these schemes by producing:
Dans le cadre de la réflexion sur la réforme du secteur de la retraite, la DAPS a développé, en partenariat avec un cabinet spécialisé, le progiciel « ATLAS ».
Ce progiciel, qui est la propriété de ce département, a pour objectif de répondre aux spécificités des régimes de retraite marocains. Il permet de réaliser des projections sur le long terme permettant le pilotage de ces régimes, notamment à travers la production:
