• We maintain a zero-tolerance policy towards bribery, corruption, money laundering, terrorist financing, and unethical behavior in all business dealings.
• We comply with all relevant laws and regulations, including anti-corruption, competition, trade sanctions, and data privacy laws.
• We foster a culture of transparency, integrity, and accountability, encouraging all employees and stakeholders to raise concerns without fear of retaliation.

• We have established and maintain robust policies and procedures to govern ethical business conduct.
• A dedicated Compliance Team oversees the implementation, enforcement, and continuous improvement of our compliance program.
• Regular training and education are provided to all employees to ensure they are informed about their responsibilities under our compliance policies.

Riverbank Group strictly prohibits bribery and improper payments in any form, anywhere in the world. This includes:

• No tolerance for bribes, kickbacks, excessive gifts, or entertainment provided to gain undue business advantage.
• Full compliance with the laws of jurisdictions where we operate, including the Corrupt Practices Investigation Bureau (CPIB) regulations.
• Employees are expected to:
  • Understand and apply anti-bribery policies.
  • Be alert to red flags.
  • Manage third-party relationships diligently.
  • Promptly report any suspected violations.

Violations of this policy may lead to disciplinary action, including termination and legal consequences.

Riverbank Group takes a proactive stance against money laundering and terrorist financing by implementing:

• Know Your Customer (KYC) and Customer Due Diligence (CDD) processes to verify identities and assess risk.
• Regular monitoring of client transactions to detect suspicious activity.
• Screening against sanctions lists and politically exposed persons (PEPs).
• Ongoing risk assessments and compliance reviews.

Employees must report any unusual or suspicious transactions immediately to the Compliance Team or Head of Department.

We strictly adhere to all applicable international trade sanctions and export control laws, including:

• Prohibiting business with sanctioned individuals, entities, or countries as outlined in relevant sanctions authorities and SDN Lists.
• Conducting thorough screening of third-party business partners, including verification of beneficial ownership and geographic ties.
• Monitoring import/export activities to ensure legal compliance.

Violations of trade sanctions may result in severe disciplinary actions or legal liability.

We are committed to fair, transparent, and ethical market behavior:

Fair Competition

• No engagement in price-fixing, market allocation, or bid-rigging.
• Compete on the merits of our products and services.
• Strict adherence to antitrust and competition laws.

Transparency

• Honest and clear communication with all stakeholders.
• Timely and accurate disclosure of relevant business information.
• Open channels for feedback and dialogue with clients and employees.

Integrity

• Ethical decision-making and accountability at all levels.
• Protection of confidential information.
• Upholding the trust placed in us by our stakeholders.

• We encourage employees, customers, vendors, and partners to report any violations or concerns.
• Reports can be made anonymously through secure, confidential channels managed by the Compliance Team.
• Whistleblowers are fully protected—their identities will not be disclosed under any circumstances.
• All reports are investigated promptly and thoroughly, with appropriate action taken when necessary.