{"id":74661,"date":"2026-02-02T06:59:17","date_gmt":"2026-02-02T06:59:17","guid":{"rendered":"http:\/\/localhost\/!projects\/!webs\/thebiography.org\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/"},"modified":"2025-09-09T00:47:40","modified_gmt":"2025-09-09T00:47:40","slug":"la-plus-grande-fraude-de-lhistoire-allemande-wirecard","status":"publish","type":"post","link":"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/","title":{"rendered":"La plus grande fraude de l&rsquo;histoire allemande \u2013 Wirecard"},"content":{"rendered":"<p>L&rsquo;ascension et la chute de Wirecard, autrefois leader allemand des processeurs de paiement, ont pris presque tout le monde par surprise. Pendant plus d&rsquo;une d\u00e9cennie, la soci\u00e9t\u00e9 fintech a \u00e9t\u00e9 salu\u00e9e par les investisseurs et prot\u00e9g\u00e9e par l&rsquo;autorit\u00e9 de r\u00e9gulation financi\u00e8re du pays, qui assistait sans le savoir \u00e0 la plus grande fraude financi\u00e8re de son histoire se d\u00e9rouler sous ses yeux.<\/p>\n<figure id=\"attachment_32164\" aria-describedby=\"caption-attachment-32164\" style=\"width: 1180px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-32164\" src=\"https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/755929184632864.jpg\" alt=\"\" width=\"1180\" height=\"730\" srcset=\"\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/755929184632864.jpg 1180w, \/\/thebiography.org\/wp-content\/uploads\/2024\/11\/755929184632864-300x186.jpg 300w, \/\/thebiography.org\/wp-content\/uploads\/2024\/11\/755929184632864-1024x633.jpg 1024w, \/\/thebiography.org\/wp-content\/uploads\/2024\/11\/755929184632864-175x108.jpg 175w, \/\/thebiography.org\/wp-content\/uploads\/2024\/11\/755929184632864-450x278.jpg 450w, \/\/thebiography.org\/wp-content\/uploads\/2024\/11\/755929184632864-1170x724.jpg 1170w, \/\/thebiography.org\/wp-content\/uploads\/2024\/11\/755929184632864-768x475.jpg 768w\" sizes=\"auto, (max-width: 1180px) 100vw, 1180px\" \/><figcaption id=\"caption-attachment-32164\" class=\"wp-caption-text\"><a href=\"https:\/\/s0.rbk.ru\/v6_top_pics\/media\/img\/4\/86\/755929184632864.jpg\" target=\"_blank\" rel=\"nofollow noopener\">Source de l&rsquo;image<\/a><\/figcaption><\/figure>\n<p>N\u00e9anmoins, d\u00e9masquer les pratiques ill\u00e9gales trompeuses et macabres de Wirecard n&rsquo;a pas \u00e9t\u00e9 facile. Le blanchiment d&rsquo;argent et les malversations de l&rsquo;entreprise ont \u00e9t\u00e9 enqu\u00eat\u00e9s par quelques journalistes bas\u00e9s \u00e0 Londres, ainsi que par quelques vendeurs \u00e0 d\u00e9couvert et financiers en Europe et aux \u00c9tats-Unis, les transformant en cibles des associ\u00e9s obscurs de Wirecard pendant des ann\u00e9es, alors que les autorit\u00e9s allemandes accordaient la priorit\u00e9 \u00e0 la protection du g\u00e9ant de la fintech.<\/p>\n<p>Restez ici pour en savoir plus sur la fraude milliardaire de Wirecard et les ann\u00e9es de lutte acharn\u00e9e pour la d\u00e9masquer!<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/#La_Chute_Publique\" >La Chute Publique<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/#Comment_tout_a_commence\" >Comment tout a commenc\u00e9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/#Avant_lApocalypse\" >Avant l&rsquo;Apocalypse<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/#Journalisme_et_ciblage\" >Journalisme et ciblage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/#Consequences\" >Cons\u00e9quences<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"La_Chute_Publique\"><\/span>La Chute Publique<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le 22 juin 2020, Wirecard a publiquement reconnu la disparition de 1,9 milliard d&rsquo;euros de son compte, un fait r\u00e9v\u00e9l\u00e9 suite \u00e0 un audit de plusieurs mois men\u00e9 par deux cabinets. L&rsquo;un de ces auditeurs \u00e9tait KPMG, une soci\u00e9t\u00e9 de services comptables internationalement reconnue, nomm\u00e9e fin 2019 pour examiner les comptes de Wirecard, suite \u00e0 la controverse que traversait la fintech, \u00e0 la suite de plusieurs articles d&rsquo;enqu\u00eate publi\u00e9s par le Financial Times bas\u00e9 \u00e0 Londres.<\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8220363953005131\" crossorigin=\"anonymous\"><\/script>\r\n<!-- TheBiography.org res1 -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8220363953005131\"\r\n     data-ad-slot=\"3620885119\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<amp-ad layout=\"fixed-height\" height=300 type=\"adsense\" data-ad-client=\"ca-pub-8220363953005131\" data-ad-slot=\"3620885119\"><\/amp-ad>\r\n<\/p>\n<p>L&rsquo;aveu non seulement que Wirecard manquait des milliards, mais que l&rsquo;argent n&rsquo;a jamais exist\u00e9, a secou\u00e9 le monde financier. Jusqu&rsquo;alors, Wirecard \u00e9tait consid\u00e9r\u00e9e comme une soci\u00e9t\u00e9 financi\u00e8re fiable qui avait maintenu son statut de plus grande fintech allemande pendant plusieurs ann\u00e9es, mais en r\u00e9alit\u00e9, la situation \u00e9tait tr\u00e8s sombre en interne.<\/p>\n<p>Wirecard a d\u00e9pos\u00e9 le bilan moins d&rsquo;une semaine apr\u00e8s avoir r\u00e9v\u00e9l\u00e9 que la plupart de ses actifs mon\u00e9taires provenaient d&rsquo;entreprises sous-trait\u00e9es quasiment impossibles \u00e0 retracer, alors que les chiffres \u00e9taient inscrits dans les livres comptables alors que les comptes \u00e9taient vides. Une fois la fraude rendue publique et les stratag\u00e8mes de Wirecard, vieux de plusieurs ann\u00e9es, pour \u00e9touffer les critiques d\u00e9voil\u00e9s, l&rsquo;entreprise \u00e9tait finie. Certains dirigeants ont disparu, d&rsquo;autres ont \u00e9t\u00e9 condamn\u00e9s \u00e0 de la prison, mais la plupart des gens ne savent pas qu&rsquo;il a fallu beaucoup d&rsquo;efforts, de temps et de pers\u00e9v\u00e9rance pour r\u00e9v\u00e9ler la plus grande fraude d&rsquo;Allemagne, qui a \u00e9t\u00e9 <a rel=\"nofollow\" href=\"https:\/\/www.reuters.com\/article\/us-wirecard-accounts\/germanys-beleaguered-wirecard-to-proceed-with-business-after-insolvency-idUSKBN23Y0QQ\/\" target=\"_blank\">d\u00e9pos\u00e9<\/a> avec des cons\u00e9quences graves, tout comme les <a rel=\"nofollow\" href=\"https:\/\/www.ft.com\/content\/650d7108-dca8-4299-95ad-e68476bc3020\" target=\"_blank\">strat\u00e9gies<\/a> mises en place pour tenter de cacher la v\u00e9rit\u00e9.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">FT: Wirecard collapses into insolvency under weight of multi-year fraud <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/hashtag\/TomorrowsPapersToday?src=hash&amp;ref_src=twsrc%5Etfw\">#TomorrowsPapersToday<\/a> <a rel=\"nofollow\" href=\"https:\/\/t.co\/PkiMYMCw3d\">pic.twitter.com\/PkiMYMCw3d<\/a><\/p>\n<p>&mdash; Neil Henderson (@hendopolis) <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/hendopolis\/status\/1276261162066350082?ref_src=twsrc%5Etfw\">June 25, 2020<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Comment_tout_a_commence\"><\/span>Comment tout a commenc\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bien que de nombreux acteurs aient \u00e9t\u00e9 mentionn\u00e9s dans la fraude Wirecard, deux noms de l&rsquo;entreprise se distinguent des autres. Le premier est Markus Braun, ancien consultant financier devenu directeur g\u00e9n\u00e9ral (CEO) de Wirecard en 2002. Il y a aussi Jan Marsalek, le prot\u00e9g\u00e9 de Braun qui a pris le poste de directeur des op\u00e9rations (COO) de Wirecard en 2010. Les deux hommes \u00e9taient d&rsquo;importants actionnaires de l&rsquo;entreprise.<\/p>\n<p>C&rsquo;est Marsalek qui a nomm\u00e9 le dirigeant Oliver Bellenhaus pour cr\u00e9er des soci\u00e9t\u00e9s \u00e9crans en Asie et dans les \u00eeles britanniques, entra\u00eenant le transfert de millions d&rsquo;euros des comptes principaux de Wirecard vers des soci\u00e9t\u00e9s cr\u00e9\u00e9es dans le seul but de dissimuler des fonds et d&rsquo;autres activit\u00e9s, selon le <a rel=\"nofollow\" href=\"https:\/\/www.ft.com\/content\/650d7108-dca8-4299-95ad-e68476bc3020\" target=\"_blank\">Financial Times<\/a>. Au m\u00eame moment o\u00f9 ces activit\u00e9s obscures se d\u00e9roulaient, beaucoup ont ferm\u00e9 les yeux sur une affaire r\u00e9cente de blanchiment d&rsquo;argent d\u00e9couverte en Floride, aux \u00c9tats-Unis, comme l&rsquo;a rapport\u00e9 <a rel=\"nofollow\" href=\"https:\/\/www.newyorker.com\/magazine\/2023\/03\/06\/how-the-biggest-fraud-in-german-history-unravelled\" target=\"_blank\">The New Yorker<\/a>.<\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8220363953005131\" crossorigin=\"anonymous\"><\/script>\r\n<!-- TheBiography.org res2 -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8220363953005131\"\r\n     data-ad-slot=\"8502510853\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<amp-ad layout=\"fixed-height\" height=300 type=\"adsense\" data-ad-client=\"ca-pub-8220363953005131\" data-ad-slot=\"8502510853\"><\/amp-ad>\r\n<\/p>\n<p>Voyant leurs cours boursiers chuter en spirale, Wirecard a officiellement \u00e9tendu ses activit\u00e9s \u00e0 l&rsquo;Asie en rachetant des dizaines de petites entreprises m\u00e9connues. On a d\u00e9couvert plus tard que ces soci\u00e9t\u00e9s \u00e9crans servaient \u00e0 Wirecard \u00e0 induire ses actionnaires en erreur concernant les b\u00e9n\u00e9fices gonfl\u00e9s de l&rsquo;entreprise, donnant l&rsquo;impression que l&rsquo;argent avait \u00e9t\u00e9 investi au lieu d&rsquo;avoir disparu.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Avant_lApocalypse\"><\/span>Avant l&rsquo;Apocalypse<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Au moment o\u00f9 Wirecard \u00e9tait impliqu\u00e9 dans des montages financiers en Asie, les journalistes et les financiers commen\u00e7aient \u00e0 se m\u00e9fier des agissements de l&rsquo;entreprise. Deux journalistes du Financial Times, Dan McCrum et Paul Murphy, faisaient partie de la section Alphaville du journal, o\u00f9 ils ont publi\u00e9 la s\u00e9rie d&rsquo;articles \u00ab House of Wirecard \u00bb en 2015, relatant les r\u00e9flexions et les enqu\u00eates de McCrum sur le fonctionnement interne de Wirecard et ses mouvements suspects.<\/p>\n<p>Malheureusement, \u00ab House Of Wirecard \u00bb n\u2019a pas eu l\u2019impact escompt\u00e9 par McCrum et Murphy, ce qui a fait perdre de vue l\u2019essentiel de l\u2019information, selon The New Yorker. Les articles ont servi \u00e0 Wirecard \u00e0 se pr\u00e9senter comme une victime de journalistes trompeurs et de mauvaise foi, ainsi qu\u2019au fait qu\u2019un document accablant mais anonyme intitul\u00e9 Zatarra Report contenait des inexactitudes \u00e0 l\u2019\u00e9poque.<\/p>\n<p>https:\/\/www.facebook.com\/watch\/?v=577655819567085<\/p>\n<p>Alors qu&rsquo;Alphaville du Financial Times s&rsquo;effor\u00e7ait de r\u00e9v\u00e9ler des informations sur les activit\u00e9s de Wirecard, le g\u00e9ant s&rsquo;est prot\u00e9g\u00e9 derri\u00e8re l&rsquo;Autorit\u00e9 f\u00e9d\u00e9rale de surveillance financi\u00e8re allemande (BaFin), qui a pris \u00e0 partie le journal pour avoir port\u00e9 pr\u00e9judice \u00e0 Wirecard avec ses all\u00e9gations. La BaFin a consid\u00e9r\u00e9 cela comme dangereux, estimant que le r\u00f4le de Wirecard dans l&rsquo;\u00e9conomie allemande \u00e9tait trop important pour ne pas \u00eatre prot\u00e9g\u00e9.<\/p>\n<p>Cependant, les investigations men\u00e9es par McCrum et ses coll\u00e8gues n&rsquo;ont pas \u00e9chapp\u00e9 \u00e0 l&rsquo;attention de Jan Marsalek, qui en 2019 a accus\u00e9 le Financial Times de s&rsquo;impliquer avec des vendeurs \u00e0 d\u00e9couvert.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Journalisme_et_ciblage\"><\/span>Journalisme et ciblage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>En 2019, il \u00e9tait \u00e9vident que s\u2019en prendre \u00e0 Wirecard n&rsquo;\u00e9tait pas une strat\u00e9gie judicieuse pour les journalistes et les vendeurs \u00e0 d\u00e9couvert. Non seulement la BaFin prot\u00e9geait Wirecard et les procureurs fermaient les yeux sur les journalistes du Financial Times, mais la situation \u00e9tait encore plus sombre qu&rsquo;il n&rsquo;y paraissait.<\/p>\n<p>Selon Dan McCrum, il a d\u00e9couvert qu&rsquo;une op\u00e9ration secr\u00e8te ciblait lui et d&rsquo;autres journalistes du Financial Times, ainsi que les vendeurs \u00e0 d\u00e9couvert. Les accusations pr\u00e9c\u00e9dentes de Jan Marsalek concernant un lien entre les deux parties faisaient partie d&rsquo;une strat\u00e9gie visant \u00e0 discr\u00e9diter les accusations port\u00e9es contre Wirecard, comme r\u00e9v\u00e9l\u00e9 par <a rel=\"nofollow\" href=\"https:\/\/thefinanser.com\/2024\/03\/how-the-wirecard-story-unravelled-an-interview-with-dan-mccrum-who-broke-the-truth\" target=\"_blank\">Dan McCrum<\/a>.<\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8220363953005131\" crossorigin=\"anonymous\"><\/script>\r\n<!-- TheBiography.org res3 -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8220363953005131\"\r\n     data-ad-slot=\"1812684276\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<amp-ad layout=\"fixed-height\" height=300 type=\"adsense\" data-ad-client=\"ca-pub-8220363953005131\" data-ad-slot=\"1812684276\"><\/amp-ad>\r\n<\/p>\n<p>Comme l&rsquo;a rapport\u00e9 <a rel=\"nofollow\" href=\"https:\/\/www.newyorker.com\/magazine\/2023\/03\/06\/how-the-biggest-fraud-in-german-history-unravelled\" target=\"_blank\">The New Yorker<\/a> en 2023, Marsalek \u00e9tait fortement li\u00e9 \u00e0 l&rsquo;\u00c9tat russe et \u00e0 un ancien agent des renseignements libyens. \u00c0 peu pr\u00e8s \u00e0 la m\u00eame \u00e9poque, McCrum a d\u00e9couvert qu&rsquo;une op\u00e9ration visant \u00e0 l&rsquo;impliquer dans un scandale de drogue \u00e9tait sur le point d&rsquo;\u00eatre mise en \u0153uvre, mais sa motivation \u00e0 prouver les op\u00e9rations obscures de Wirecard \u00e9tait plus forte que son d\u00e9sir d&rsquo;abandonner.<\/p>\n<p>Finalement, le travail acharn\u00e9 de McCrum et de son collaborateur a port\u00e9 ses fruits. Apr\u00e8s avoir publi\u00e9 son article <a rel=\"nofollow\" href=\"https:\/\/www.ft.com\/content\/cd12395e-4fb7-11e9-b401-8d9ef1626294\" target=\"_blank\">\u00ab Les partenaires probl\u00e9matiques de Wirecard \u00bb<\/a> en mars 2019 et s&rsquo;\u00e9tant soumis \u00e0 l&rsquo;enqu\u00eate qui a suivi, Wirecard a atteint la fin de sa longue s\u00e9rie de mensonges. Fin de cette ann\u00e9e-l\u00e0, les cabinets d&rsquo;expertise comptable EY et KPMG ont men\u00e9 des audits sur la fintech, et ont r\u00e9v\u00e9l\u00e9 leurs r\u00e9sultats l&rsquo;ann\u00e9e suivante, concluant tous deux \u00e0 leur incapacit\u00e9 \u00e0 retracer 1,9 milliard d&rsquo;euros sur les comptes de Wirecard, comme d\u00e9crit dans <a rel=\"nofollow\" href=\"https:\/\/www.ft.com\/content\/284fb1ad-ddc0-45df-a075-0709b36868db\" target=\"_blank\">l&rsquo;analyse du cabinet<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Consequences\"><\/span>Cons\u00e9quences<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bien que la chute de Wirecard se pr\u00e9parait depuis longtemps, traduire en justice les responsables de la fraude commise par l&rsquo;entreprise n&rsquo;a pas \u00e9t\u00e9 facile. Oliver Bellenhaus, qui \u00e9tait \u00e9galement \u00e0 la t\u00eate de la succursale de Duba\u00ef de l&rsquo;entreprise, a notamment \u00e9t\u00e9 arr\u00eat\u00e9 par les autorit\u00e9s pour son implication dans la fraude. Finalement, il a accus\u00e9 Marsalek d&rsquo;\u00eatre le cerveau derri\u00e8re la strat\u00e9gie de soci\u00e9t\u00e9s \u00e9crans men\u00e9e par Wirecard pendant pr\u00e8s d&rsquo;une d\u00e9cennie.<\/p>\n<div id='gallery-2' class='gallery galleryid-74661 gallery-columns-5 gallery-size-thumbnail'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/0babaac9-0001-0004-0000-000001334983_w960_r1.778_fpx64.59_fpy44.98.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"data:image\/svg+xml;base64,PHN2ZyB2aWV3Qm94PScwIDAgMTUwIDE1MCcgeG1sbnM9J2h0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnJz48L3N2Zz4=\" class=\"attachment-thumbnail size-thumbnail lazyload\" alt=\"\" data-src=\"https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/0babaac9-0001-0004-0000-000001334983_w960_r1.778_fpx64.59_fpy44.98-150x150.jpg\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/Markus-Braun-CEO-of-Wirecard.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"data:image\/svg+xml;base64,PHN2ZyB2aWV3Qm94PScwIDAgMTUwIDE1MCcgeG1sbnM9J2h0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnJz48L3N2Zz4=\" class=\"attachment-thumbnail size-thumbnail lazyload\" alt=\"\" data-src=\"https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/Markus-Braun-CEO-of-Wirecard-150x150.jpg\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/1x-1-4.webp'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"data:image\/svg+xml;base64,PHN2ZyB2aWV3Qm94PScwIDAgMTUwIDE1MCcgeG1sbnM9J2h0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnJz48L3N2Zz4=\" class=\"attachment-thumbnail size-thumbnail lazyload\" alt=\"\" data-src=\"https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/1x-1-4-150x150.webp\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/2022-12-12T085237Z_2030121781_RC284Y9KJR5A_RTRMADP_3_WIRECARD-ACCOUNTS-TRIAL-816x544-1.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"data:image\/svg+xml;base64,PHN2ZyB2aWV3Qm94PScwIDAgMTUwIDE1MCcgeG1sbnM9J2h0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnJz48L3N2Zz4=\" class=\"attachment-thumbnail size-thumbnail lazyload\" alt=\"\" data-src=\"https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/2022-12-12T085237Z_2030121781_RC284Y9KJR5A_RTRMADP_3_WIRECARD-ACCOUNTS-TRIAL-816x544-1-150x150.jpg\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a href='https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/kw47_pa_3ua_bild-1.jpg'><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"data:image\/svg+xml;base64,PHN2ZyB2aWV3Qm94PScwIDAgMTUwIDE1MCcgeG1sbnM9J2h0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnJz48L3N2Zz4=\" class=\"attachment-thumbnail size-thumbnail lazyload\" alt=\"\" data-src=\"https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/kw47_pa_3ua_bild-1-150x150.jpg\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\n<p>De son c\u00f4t\u00e9, l&rsquo;ancien PDG Markus Braun a \u00e9t\u00e9 d\u00e9tenu en 2022 pour son implication dans <a rel=\"nofollow\" href=\"https:\/\/www.reuters.com\/business\/finance\/rise-fall-wirecard-2022-12-06\/\" target=\"_blank\">l&rsquo;affaire<\/a>, bien qu&rsquo;il ait toujours affirm\u00e9 ne pas avoir commis d&rsquo;infraction, et le proc\u00e8s est toujours en cours. N\u00e9anmoins, peu apr\u00e8s la r\u00e9v\u00e9lation du scandale Wirecard, Marsalek a disparu quelque part en Russie <u>,<\/u> et figure d\u00e9sormais parmi les hommes les plus recherch\u00e9s par <a rel=\"nofollow\" href=\"https:\/\/theins.ru\/en\/politics\/269612\" target=\"_blank\">Interpol<\/a>.<\/p>\n<p>C\u00f4t\u00e9 positif, McCrum et ses collaborateurs du <a rel=\"nofollow\" href=\"https:\/\/www.ft.com\/content\/4f948457-678e-485c-92f7-2837064a5010\" target=\"_blank\">Financial Times<\/a> ont \u00e9t\u00e9 salu\u00e9s pour leur lutte acharn\u00e9e pour la v\u00e9rit\u00e9. De plus, les autorit\u00e9s de r\u00e9gulation financi\u00e8re allemandes ont admis leur n\u00e9gligence dans l\u2019affaire Wirecard, et une r\u00e9forme de l\u2019agence BanFin a \u00e9t\u00e9 mise en place en 2021 apr\u00e8s que <a rel=\"nofollow\" href=\"https:\/\/thefinanser.com\/2024\/03\/how-the-wirecard-story-unravelled-an-interview-with-dan-mccrum-who-broke-the-truth\" target=\"_blank\">l\u2019histoire de Wirecard<\/a> a \u00e9t\u00e9 d\u00e9voil\u00e9e.<\/p>\n<p>En fin de compte, le scandale de fraude de Wirecard prouve que les agissements suspects des grandes entreprises sont souvent ignor\u00e9s, mais aussi qu&rsquo;il y a toujours quelqu&rsquo;un pr\u00eat \u00e0 r\u00e9v\u00e9ler la v\u00e9rit\u00e9, quel qu&rsquo;en soit le prix.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;ascension et la chute de Wirecard, autrefois leader allemand des processeurs de paiement, ont pris presque tout le monde par surprise. Pendant plus d&rsquo;une d\u00e9cennie, la soci\u00e9t\u00e9 fintech a \u00e9t\u00e9 salu\u00e9e par les investisseurs et prot\u00e9g\u00e9e par l&rsquo;autorit\u00e9 de r\u00e9gulation financi\u00e8re du pays, qui assistait sans le savoir \u00e0 la plus grande fraude financi\u00e8re de<\/p>\n","protected":false},"author":1,"featured_media":32163,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ep_exclude_from_search":false,"amp_status":"","footnotes":""},"categories":[6604],"tags":[],"class_list":{"0":"post-74661","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-listes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La plus grande fraude de l&#039;histoire allemande \u2013 Wirecard<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La plus grande fraude de l&#039;histoire allemande \u2013 Wirecard\" \/>\n<meta property=\"og:description\" content=\"L&rsquo;ascension et la chute de Wirecard, autrefois leader allemand des processeurs de paiement, ont pris presque tout le monde par surprise. Pendant plus d&rsquo;une d\u00e9cennie, la soci\u00e9t\u00e9 fintech a \u00e9t\u00e9 salu\u00e9e par les investisseurs et prot\u00e9g\u00e9e par l&rsquo;autorit\u00e9 de r\u00e9gulation financi\u00e8re du pays, qui assistait sans le savoir \u00e0 la plus grande fraude financi\u00e8re de\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/\" \/>\n<meta property=\"og:site_name\" content=\"The Biography\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/daniel.wanburg\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-02T06:59:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/106595741-1593419357303gettyimages-1222324887.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Daniel Wanburg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Daniel Wanburg\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/\",\"url\":\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/\",\"name\":\"La plus grande fraude de l'histoire allemande \u2013 Wirecard\",\"isPartOf\":{\"@id\":\"https:\/\/thebiography.org\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/106595741-1593419357303gettyimages-1222324887.jpeg\",\"datePublished\":\"2026-02-02T06:59:17+00:00\",\"author\":{\"@id\":\"https:\/\/thebiography.org\/fr\/#\/schema\/person\/1d126e3e6e3c48b3ff869d116a4fbc1c\"},\"breadcrumb\":{\"@id\":\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/#primaryimage\",\"url\":\"https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/106595741-1593419357303gettyimages-1222324887.jpeg\",\"contentUrl\":\"https:\/\/thebiography.org\/wp-content\/uploads\/2024\/11\/106595741-1593419357303gettyimages-1222324887.jpeg\",\"width\":1600,\"height\":900},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/thebiography.org\/fr\/la-plus-grande-fraude-de-lhistoire-allemande-wirecard\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/thebiography.org\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"La plus grande fraude de l&#8217;histoire allemande \u2013 Wirecard\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/thebiography.org\/fr\/#website\",\"url\":\"https:\/\/thebiography.org\/fr\/\",\"name\":\"The Biography\",\"description\":\"Relationships, Net Worth, Measurements\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/thebiography.org\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/thebiography.org\/fr\/#\/schema\/person\/1d126e3e6e3c48b3ff869d116a4fbc1c\",\"name\":\"Daniel Wanburg\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/thebiography.org\/fr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ea3e6e37b405aa3457baa18b3ae51ab5564d43737a0427463d5d20892d4d11b9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ea3e6e37b405aa3457baa18b3ae51ab5564d43737a0427463d5d20892d4d11b9?s=96&d=mm&r=g\",\"caption\":\"Daniel Wanburg\"},\"description\":\"As Managing Editor at The Biography, I oversee a skilled team to produce insightful biographies of influential figures. 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