Tasks and existing structures**

The Compliance Division provides the Group with the highest level of expertise. Its main tasks are :

• To define, in accordance with regulator requests and legal or statutory requirements, all policies, principles and procedures governing compliance and the fight against money laundering and the financing of terrorist activities, and oversee their implementation,
• To supervise all embargos and penalties,
• To ensure that professional and market regulations are respected,
• To prevent and manage any potential conflicts of interest with respect to customers,
• To propose the ethical rules to be respected by all Group staff,
• To train, advise and heighten operating staff awareness,
• To coordinate relations between Group entities and French and foreign regulators.

IT resources dedicated to compliance :

Various IT resources have been developed to ensure the Group’s compliance with current regulations :

• Tools used to filter customer files and international transfers in order to detect those persons with a suspected involvement in money laundering or the financing of terrorist activities,
• Tools designed to manage and prevent conflicts of interest,
• Behavioural analysis tools to facilitate the detection of suspicious transactions in the bank’s retail and private banking activities,
• An alert management and cheque surveillance tool,
• A tool for managing insider lists,
• A tool to help detect market abuse (price manipulation and insider trading),
• A tool for managing compliance risk mapping and assessment and for the follow-up of action plans,
• A cross-business application to meet the Group’s regulatory obligations when it comes to exceeding thresholds.

Other specific training resources are also used group wide.

** In line with our Global Compact commitments