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COMPLIANCE

Compliance is the foundation of every decision and operation at BPCE IOM Ho Chi Minh City Branch. We earn trust by safeguarding our customers, ensuring secure and reliable operations, and protecting the integrity of the financial system.
Compliance Function

Compliance Function is not just a control. It is a commitment that protects the Branch and strengthens the trust of our clients. BPCE IOM Ho Chi Minh City Branch complies with both Vietnamese regulations with the same rigor as Groupe BPCE’s global standards and international requirements to ensure operations remain safe, transparent, and reliable.

For the Branch, this creates stability and resilience in the face of regulatory and market challenges. For our clients, it means banking with confidence: your data is secure, transactions are protected, and services are delivered with integrity. Compliance, in practice, is what allows BPCE IOM Ho Chi Minh City Branch to safeguard your interests while ensuring the Branch’s sustainable growth.

Professional Ethics

Professional ethics shape the way we serve our clients. Guided by the Groupe BPCE Code of Conduct and Ethical Standards, we apply the highest principles of honesty, fairness, and responsibility in every interaction. This approach protects our clients’ interests, strengthens confidence in the Branch, and ensures that our business is conducted with integrity and respect for the community we serve.

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Conflicts of Interest & Anti-Corruption
Integrity is non-negotiable. We make sure that conflicts of interest are identified, managed, and resolved so that our clients’ interests always come first. We also enforce a zero-tolerance approach to corruption and influence peddling. Our policies align with both international standards and local laws, with employees trained and monitored to act responsibly in any situation of risk. This commitment extends to our relationships with clients, vendors, and third parties. Standard clauses on conflict of interest and anti-corruption are built into our contracts, making transparency and accountability a shared responsibility. By doing so, we protect not only the Bank but also those who choose to do business with us. Related Supports
Customer Protection & Personal Data

Protecting our customers is central to how we do business. We make sure that every product, service, and communication is transparent, fair, and aligned with local regulations. From the first discussion through the lifetime of a contract, our teams are trained to serve clients with honesty, clarity, and professionalism.

We also take customer feedback seriously. Complaints are monitored and analyzed as part of a continuous improvement process, ensuring that our services evolve to meet the highest standards.

Safeguarding personal data is equally important. In line with global and local requirements, including European GDPR principles and Vietnam’s personal data protection regulations, we handle all personal information responsibly and securely. We apply the principles of transparency and accountability, and our employees are regularly trained to keep privacy protection at the forefront of their work.

By combining strong customer protection rules with strict data privacy safeguards, we aim to build lasting trust and deliver banking services that put your interests first.
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Financial Security & Know Your Customer (KYC)

BPCE IOM Ho Chi Minh City Branch applies the highest standards of financial security in line with both Vietnamese regulations, international frameworks, including EU directives, FATF recommendations, and the USA Patriot Act, as well as Groupe BPCE’s highest standards and regulations.

Our compliance framework covers customer due diligence, sanctions screening, and ongoing monitoring to detect and prevent money laundering, terrorist financing, and other financial crimes. These controls are regularly updated to reflect global regulatory developments and are supported by continuous staff training.

To facilitate transparency with counterparties, we provide access to key compliance documents that are commonly requested during KYC reviews.

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BPCE International et Outre Mer

BPCE IOM Ho Chi Minh City Branch

Procurement & Outsourcing
At BPCE IOM Ho Chi Minh City Branch, procurement and outsourcing are governed by strict compliance standards consistent with Vietnamese and European regulations, together with the internal control frameworks established by Groupe BPCE. All vendor contracts include standard clauses on ethics, conflicts of interest, confidentiality, and data protection. These provisions are binding, and violations may lead to corrective action, including litigation where necessary. Our approach is transparent and risk-based, supported by Group-standard due diligence conducted before engagement and ongoing monitoring throughout the relationship. These controls safeguard compliance, operational resilience, and service quality while protecting the Branch and its clients. Vendors who share our commitment to integrity and responsible practices benefit from a trusted and lasting partnership built on professionalism, accountability, and mutual respect.