Investor Presentaiton
Team involvement
The Risk Partners program exists to spread the
risk management culture among the teams. We
locate people with an influencer profile within
each area and appoint them as risk ambassadors.
These employees receive training on governance,
concepts, and methodology of operational
risks and internal controls and begin to work on
mapping the operations in their area, assessing
risks and making the rest of the team aware of
these factors, in addition to taking questions,
suggestions, and perceptions of the team to the
managers of the Risk area.
COMPLIANCE
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The bank's organizational culture is based on
six values (see the People chapter), the first
of which is ethics. We carry out our activity in
compliance with all regulatory requirements of
the financial system and within high standards of
corporate governance, ethics, and transparency.
These standards of conduct must be observed
by all our employees and business partners. The
Compliance team is responsible for establishing,
disclosing, and overseeing the bank's procedures
in relation to ethics and conduct, monitoring the
evolution of legislation and regulatory standards
in the sector and ensuring compliance with all the
bank's activities. In addition, it participates in the
development of new products, together with other
areas, in the identification and mitigation of risks.
Conflicts of interest
To avoid conflicts of interest, when an employee joins
the institution - and then annually -, we check whether
they have any external activities or corporate interest in
companies to assess whether there is any type of conflict
with the role he will play at the bank.
Following the regulation, we also analyze the areas that
may have conflicts of interest within the group, such as the
bank's Brokerage House and Treasury, and we take measures
to avoid them, such as the installation of a "Chinese wall"
(physical and logical barrier between the areas).
Prevention of money laundering
The Compliance area leads the MLP (Money Laundering
Prevention) Subcommittee, in which policies, guidelines,
and procedures to comply with legislation on crimes
of this nature are defined. When signs of irregularities
in banking operations are identified, the occurrence is
analyzed and communicated through a report to the
competent regulatory bodies.
POLICIES
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To adjust to best practices, protect clients, look
after the interests of shareholders, and promote
our values, we rely on the Code of Ethics and
Conduct and internal policies. Aimed at all our
employees and business partners, they are
implemented, reassessed, and updated annually
by the Compliance area. All employees must know
the set of our internal policies and procedures, in
addition to reading and digitally accepting the Code
of Ethics and Conduct and the policies on Money
Laundering Prevention, Combating Bribery and
Corruption, Information and Cybernetics Security,
and Risks.
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