CIMB Niaga memiliki Kode Etik dan Perilaku Kepegawaian CIMB Niaga No. A.07.01 yang merupakan pedoman bagi seluruh insan CIMB Niaga dalam berinteraksi secara profesional dan menjalankan pekerjaan dengan integritas tinggi. Aturan-aturan Kode Etik dan Perilaku Kepegawaian CIMB Niaga secara rinci dapat dilihat pada Laporan Tahunan CIMB Niaga 2020.
Kebijakan Antikorupsi dan Anti-Fraud
Berdasarkan kebijakan Antikorupsi No. M.11, CIMB Niaga menyusun program pencegahan praktik korupsi; larangan gratifikasi dan sumbangan politik;
ketentuan sanksi atas pelanggaran; serta dokumentasi dan pelaporan. Bank memahami bahwa kebijakan antikorupsi dan anti-fraud ini sangat penting dalam perbankan yang berhubungan erat dengan kegiatan transaksi keuangan. Oleh karena itu, Bank memiliki zero tolerance atas fraud dengan target pencapaian zero fraud. Adapun pada tahun 2020, Bank belum melakukan assessment terhadap wilayah operasi terkait risiko korupsi, namun telah melakukan internal audit berdasarkan metodologi berbasis penilaian risiko secara komprehensif. [205-1]
Anti-fraud diterapkan kepada seluruh pihak, baik dari karyawan ataupun pihak mitra kerja melalui pernyataan anti-fraud dan antikorupsi yang terkandung dalam Perjanjian Kerja Sama (PKS), Surat Perintah Kerja (SPK), situs whistleblowing, pengiriman surat elektronik ke semua vendor, serta pemasangan poster di area kerja Bank.
CIMB Niaga has a Code of Ethics and Conduct No.
A.07.01, which contains the guidance for all CIMB Niaga employees on how to interacting professionally and carry out their work with high integrity. Full details of the CIMB Niaga Code of Conduct and Employee Behavior can be found in the 2020 CIMB Niaga Annual Report.
Anti-Corruption and Anti-Fraud Policy
Based on the Anti-Corruption Policy No. M.11, CIMB Niaga has developed a program to prevent corruption practices; prohibition of gratification and political contributions; provisions of sanctions for violations; and documentation and reporting. The Bank understands that anti-corruption and anti- fraud policies are very important, as the Bank’s main activities are closely related to financial transactions.
Therefore, the Bank has a zero tolerance to fraud and has a target of achieving zero fraud. In 2020, the Bank did not conduct a specific corruption risk assessment in the operational areas, but did conduct internal risk management procedures audits based on a comprehensive risk assessment-based methodology..
[205-1]
Anti-fraud is applied across all employees and partners, through anti-fraud and anti-corruption statements contained in Cooperation Agreements (PKS), Work Orders (SPK), the Bank’s website, sending electronic mail to all vendors, as well as placing posters in the Bank’s working area.
Pelatihan anti-fraud juga dilakukan secara daring melalui media e-learning dan aplikasi Learning on the Go (LoG). Salah satu topik pelatihan yang diberikan yaitu IT Security Awareness bertujuan untuk meningkatkan awareness karyawan terhadap keamanan data.
Kegiatan pelatihan dan pendidikan ini diharapkan dapat menurunkan kasus fraud. Selama tahun 2020, Bank telah mengadakan pelatihan Anti-fraud Awareness bagi 3.554 karyawan atau 29,5% dari total karyawan.
Selanjutnya, telah dilakukan juga sosialisasi Kebijakan Antikorupsi melalui email blast kepada seluruh insan (100%) CIMB Niaga termasuk Direksi dan Dewan Komisaris. Di tahun mendatang, Bank akan mengagendakan pelatihan mengenai Kebijakan Antikorupsi dengan mengundang partisipasi dari manajemen senior maupun mitra bisnis. [205-2]
Berdasarkan Surat Edaran Bank Indonesia No.13/28/
DPNP Tahun 2011 perihal Penerapan Strategi Anti Fraud bagi Bank Umum, CIMB Niaga telah membentuk unit khusus Anti Fraud Management (AFM) untuk melaksanakan fungsi penerapan strategi anti- fraud. Berdasarkan hasil evaluasi Unit Kerja AFM atas pencegahan fraud dan korupsi di tahun 2020, diidentifikasi terdapat enam (6) kasus insiden fraud dengan penyimpangan kerugian yang melebihi Rp100 juta. Akan tetapi, tidak ada kasus yang ditindaklanjuti hingga ke ranah hukum. [FN-CB-510a.1] [205-3]
Based on Bank Indonesia Circular No.13/28/DPNP 2011 concerning the Implementation of Anti-fraud Strategies for Commercial Banks, CIMB Niaga has established Anti fraud Management (AFM) unit to carry out the anti-fraud strategy implementation function.
Following an evaluation by the AFM Work Unit on fraud and corruption prevention in 2020, six (6) cases were identified as potential incidents of fraud, with potential losses amounting to more than Rp100 million. None of the cases required legal follow up. [FN-CB-510a.1] [205-3]
Anti-fraud online training is also provided through e-learning media and the Learning on the Go (LoG) application. One of the training topics covered IT Security Awareness, which aims to increase employee awareness of data security.
These training and education activities are expected to reduce fraud. During 2020, the Bank conducted Anti-Fraud Awareness training for 3,554 employees or 29.5% of the total employees.
Anti-Corruption Policy socialization is carried out through email blasts to all CIMB Niaga personnel (100%) including the Board of Directors and the Board of Commissioners. Over the coming years, the Bank will schedule training on the Anti-Corruption Policy by inviting senior management and business partners. [205-2]
Peserta Pelatihan Anti-Fraud Awareness [205-2]
Anti Fraud Awareness Training Participants
Peserta | Participant 2020 2019 2018
Karyawan
Employees 3.554 2.829 4.212
Data lengkap terkait Peserta Pelatihan Fraud Berdasarkan Wilayah dan Jabatan dapat dibaca di Lampiran Kinerja Sosial diakhir laporan ini. [205-2]
Complete data regarding Fraud Training Participants by Region and Position can be found in the Social Performance Appendix at the end of this report. [205-2]
Pencapaian hasil temuan kasus fraud juga dikontribusi dari hasil tindak lanjut laporan yang disampaikan melalui sistem whistleblowing service.
Mekanisme Penanganan Pengaduan [102-17] [SUSBA 1.4.18]
CIMB Niaga menerapkan sistem whistleblowing (WBS) yang dikelola oleh pihak ketiga independen dan profesional, yaitu PT Deloitte Advis Indonesia. Hal ini dilaksanakan agar perlindungan dan kerahasian pelapor dapat lebih terjaga, serta penyampaian pelanggaran dapat dilakukan dengan lebih leluasa tanpa ragu-ragu.
Kebijakan WBS mengacu pada Peraturan OJK No. 39/
POJK.03/2019 mengenai Penerapan Strategi Anti Fraud bagi Bank Umum. Bank juga memiliki kebijakan internal terkait sistem whistleblowing yang tertuang pada Kebijakan Pelaporan Pelanggaran (Whistleblowing) No.
E.08.
Pihak internal dan eksternal dapat melaporkan setiap pelanggaran kepada CIMB Niaga melalui saluran komunikasi:
The fraud cases found were contributed from the follow- up of reports submitted through the whistleblowing service system.
Grievance Mechanism [102-17] [SUSBA 1.4.18]
CIMB Niaga has implemented a whistleblowing system (WBS), which is managed by an independent and professional third party, PT Deloitte Advis Indonesia. This appointment provides protection and confidentiality to the whistleblower, and allows the whistleblowing reports to be submitted freely and without any hesitation. The WBS policy refers to OJK Regulation No. 39/POJK.03/2019 concerning the Implementation of Anti Fraud Strategies for Commercial Banks. The Bank also has an internal policy related to the whistleblowing system in the Whistleblowing Policy No. E.08.
Internal and external parties can report any violations to CIMB Niaga through the following communication channels:
Penyelesaian Kasus Fraud Fraud Case Resolution Kasus Internal Fraud Internal Fraud Case
Jumlah Kasus yang Dilakukan oleh Karyawan Tetap Total Cases Committed by Permanent Employee
2020 2019 2018
Telah Diselesaikan
Resolved 3 4 4
Dalam Proses Penyelesaian di Internal Bank
In the Bank’s Internal Settlement Process 3 - -
Belum Diperoleh Penyelesaiannya
Not Yet Resolved - - -
Telah Ditindaklanjuti Melalui Proses Hukum
Followed up Through a Legal Process - 1 2
Jumlah Fraud
Total Frauds 6 5 6
Informasi dalam tabel menunjukkan informasi dengan penyimpangan nominal >Rp 100 juta.
The table shows cases with a nominal value > Rp100 million.