200-word essay on bank compliance experience

Now everyone is advocating compliance, so how to define compliance? How to ensure good compliance? The following is my 200-word essay on bank compliance experience, which is for your reference only. Welcome to read this article.

200 words) Since 20xx, the Bank has adhered to strict governance, attached great importance to internal control management, and regarded internal control as an important work. Under the premise of strictly implementing the systems and measures of the superior bank, and combining with the reality of xx Branch, we will strive to improve and refine the internal control management system and do a good job in internal control. In order to achieve business objectives, the Bank adheres to the business strategy of combining business development with internal control management, and standardizes operating procedures and methods. The basic situation of internal control management of the Bank is now reported as follows:

First, strengthen the systematic combing and learning.

Since the beginning of this year, the bank has sorted out the rules and regulations of various lines, carefully organized and guided relevant policies in view of the changes in new documents, and always implemented the latest system requirements and regulations in actual business operations and operations to ensure that the relevant business operations of the bank are in compliance with laws and regulations. In April this year, according to the contents of the education month activities of sub-branches, the Bank comprehensively and thoroughly carried out ten prohibitions on tellers and responsible persons in business institutions, professional ethics of employees in banking financial institutions, staff code of xx Bank Co., Ltd., measures for handling employees' violation of discipline, several provisions on the honest practice of leaders in state-owned enterprises, several guidelines for the production of leading cadres in party member in China, and regulations on inner-party supervision. The awareness of all employees of the Bank to abide by the rules and regulations and abide by the law has been further improved.

Two. Continue to implement personnel control measures for important positions.

In strict accordance with the requirements of relevant systems, the Bank has identified incompatible positions and businesses in business links such as the use of teller number, account opening, seal inspection, business seal keeping, reconciliation, bill exchange, and authorization confirmation of large-sum fund receipt and payment. Resolutely put an end to the occurrence of problems such as string posts, mixed posts or illegal post filling and part-time jobs. At the same time, the bank has implemented rotation and compulsory leave system for personnel in important positions as required. At present, it has completed rotation of 3 people and compulsory leave of 3 people.

III. Insist on controlling important operational links and high-risk businesses.

The Bank shall check the implementation of the Double Ten Prohibition at least once a month; Check the accounts and accounts of cash, important blank vouchers and precious metals at least once a month; Check account opening, loss reporting, account freezing, large deposit and withdrawal and transfer, customer's reserved seal, business seal and teller's private seal at least once every quarter; At least once a quarter, take the initiative to understand the reconciliation of key customers of the Bank.

Fourth, actively carry out risk investigation this year.

According to the latest documents of provincial banks and sub-branches this year, carry out risk investigation, further strengthen the management of all business links, standardize daily operations, and enhance employees' compliance and risk awareness.

(1) company line.

According to the "Provisions on Defining the Management Requirements for the Verification and Authorization Registration System of RMB Large-value Transactions"? According to the requirements of the documents, the Bank once again conducted self-examination and standardization on the verification standards, inspectors, verification methods, registration and other aspects of large-value transactions to ensure the legal compliance of the implementation of this business operation of the Bank.

② A gold bar line.

1. Further standardize the inquiry and access of personal customer information of our bank according to the requirements of the Notice on the Administrative Measures for Sending Personal Customer Information of xx Bank Co., Ltd. (version 20xx), and do a good job in keeping personal customer information confidential.

2. According to the requirements of the Notice on Issuing the Risk Investigation Scheme of Personal Financial Services for Employees of xx Sub-branch, the Bank conducted a comprehensive and one-by-one self-examination of personal financial products handled by employees through the personal financial sales system from August 20xx to March 20xx, focusing on checking whether employees handled personal financial services by taking advantage of their work. After self-examination, our wealth management business is compliant, and there is no such situation.

(3) Supervision and legal compliance.

1. In accordance with the requirements of the Notice on Risk Tips for Bank Employees' Disclosure of Customer Information, the Bank has earnestly done a good job in ideological education and management of employees, and intensified the confidentiality training of employees.

2. According to the requirements of the Notice on Strengthening Risk Prevention of Employees' Self-operated Business and Transferring Customers' Funds with Personal Accounts, the Bank provided business guidance and learning to employees, cultivated a culture of operational risk management for all employees, and standardized the counter operation process.

Five, the staff thought dynamic analysis and behavior investigation system in place.

Recently, the bank organized and carried out an analysis of employees' ideological trends and behavior surveys, and grasped the ideological trends and behavior changes of each employee through observation, conversation, meeting analysis, home visits and customer return visits. At the same time, we often communicate with each employee, educate employees on "Double Ten Flags", ideology and morality, compliance management, case warning, etc., smooth communication channels, and encourage each employee to make suggestions for the compliance and internal control work of the branch.

Thanks to the unremitting efforts of the leaders of the sub-branches and the employees of the whole bank, the Bank's internal control and compliance work is running well. In the future work, the Bank will continue to attach great importance to internal control and compliance as a long-term unremitting work, so that compliance and internal control can escort the business development of the Bank.

200 words (2) Never slacken off in preventing risks. Risk prevention has always been a topic for banks. Every bank employee must have a deep understanding of the risks existing in the bank and the ways to prevent them. Almost every morning, outlets will mention the risks of handling business and how to prevent them. At the same time, they will introduce some cases to bankers, so that every banker can always guard against risks in the process of handling business for customers.

Risk prevention has always been a topic for banks. Every banker must have a deep understanding of the risks existing in banks and the ways to prevent them. Almost every morning, outlets will mention the risks of handling business and how to prevent them. At the same time, they will introduce some cases to salesmen, so that each salesman can effectively avoid risks when encountering relevant situations in the process of handling business for customers. The recent case in xx branch is another manifestation of the bank teller's insufficient understanding of risk prevention.

This case reflects the problems existing in the teller's business handling:

1) The teller was negligent and handled the business improperly, resulting in a big accounting error.

Neglect is the main reason why tellers make mistakes in handling business. In particular, some tellers feel that the particularly skilled business is more likely to cause wrong accounts to be erased, blindly pursuing efficiency and not carefully reviewing the accuracy of input content. The account name was entered incorrectly when opening an account; The amount, date, name, account number, name of Western Union remittance payee, ID number, date of birth, expiration date, etc. of remittance business are easily entered incorrectly, and sometimes it is difficult to find out. The change from cash withdrawal to deposit has caused its own short payment. If it can be found in time, it will have serious consequences until the customer leaves. These are actual cases. Therefore, in the process of handling business, we must carefully check every operation to ensure that it is correct before submitting it.

2) The original vouchers are poorly kept and the accounting basis is lost, which has potential risks.

The original voucher is a written voucher to record economic business and clarify economic responsibility, and it is the legal basis for bookkeeping. If we throw away our customers' vouchers at will, they may be stolen by criminals and cause legal disputes. At the end of business every day, you must ensure that the summons generated in the course of your business is complete, and that there are no missing tickets or skipping tickets, and that the elements on the vouchers are complete, so as to prevent some interested customers from telling themselves that they have not handled the business afterwards and causing economic disputes. If the wrong voucher is returned to the customer, it will be invalid. If the wrong voucher printed in the process of handling business does not need to be attached with a summons, it should be invalidated with a shredder and cannot be thrown into the trash can. Customer information should also be properly kept, and customer information should not be disclosed casually.

3) Tellers are not aware of risk prevention, and fill in documents on behalf of customers.

Filling out documents on behalf of customers can easily lead to customer disputes and unnecessary legal risks. In the process of handling business, some customers sometimes complain that they are too slow to fill in the form or cannot fill it out, and ask the teller for help. At this time, as a counter staff, we must be strictly aware that we can't fill out the form on behalf of customers and understand the possible consequences of filling out the form on behalf of customers. To do a good job of explaining customers, or ask the lobby manager to guide customers to fill in the documents and confirm the customer's signature before handling business for customers.

The case of xx Branch once again warns us that we must strengthen our awareness of risk prevention, standardize our daily business operations, improve our business skills and form a good habit of self-review.

200 words (3) As a banker, we should adhere to compliance requirements such as "abiding by morality", "obeying discipline and law", "being diligent and conscientious", "keeping secrets" and "fair competition".

Every employee should take legal compliance management as the basic standard, take the initiative to comply, create a strong compliance atmosphere, and make compliance a part of corporate culture. Every employee should master the rules and regulations related to his/her job responsibilities, and actively identify and solve compliance risks. Every employee should earnestly undertake the compliance responsibility corresponding to his post and be responsible for the compliance of his post management activities.

First, we must cultivate compliance awareness, correct business thinking, and grasp compliance culture education. It is necessary to fully understand the harmfulness of illegal operation, correctly balance the relationship between market development, risk prevention and compliance operation, do a good job in internal control and case prevention, resolutely stop the signs of illegal operation in time, and avoid the formation of major risks. Pay close attention to compliance culture education, strengthen business knowledge learning, raise awareness of compliance management, carry out warning education activities, and establish a compliance culture in which compliance is everyone's responsibility, compliance creates value, and compliance is active. At the same time, strengthen the inspection and supervision of branches, carry out risk investigation around key work, and once illegal operations or potential risks are found, we should be seriously accountable, urge rectification and prevent operational risks.

Second, grasp the implementation of rules and regulations. Before the implementation of rules and regulations, we must first have a sound rules and regulations mechanism. In enterprise management activities, rules and regulations are the first, and there must be rules and regulations. Only in enterprise management activities can there be standards for implementation. Secondly, employees should consciously adopt compliant behaviors and means. Sometimes it's not the lack of rules and regulations in our work, but the ineffective implementation of rules and regulations, and the failure to really integrate our rules and regulations into our business work. With the rules and regulations, we should also have the awareness of actively observing the rules and regulations, and gradually develop the habit of actively preventing and controlling risks in our work, which is also the focus of case prevention and control.

Compliance management is everyone's responsibility to create value. In order to avoid property loss and reputation loss, compliance management is inevitable.

According to the requirements of 20xx compliance online learning of Sichuan City Commercial Bank Association, 38 compliance courses were completed with good quality and quantity within the specified time. Compliance is the key point of a bank's steady operation, and it is also the duty that every employee should perform. Combined with the actual work at ordinary times, I have a deeper study of professional ethics, compliance awareness and supervision and prevention awareness. Now, I want to sum up some experiences of this study.

With the competitive pressure between banks and the impact of internet finance, some banks attach importance to business development, ignore the guidance of values, and have insufficient understanding of the importance of values. They regard business work as a hard indicator, regard ideological and political education as a soft task, pay too much attention to work performance, and ideological and political education is divorced from actual business work, lacking formal job responsibilities, professional ethics and rigid institutional education. Through these problems, our employees are required to strengthen compliance learning, abide by laws and regulations, and abide by work discipline.

1. Enhance compliance awareness and ideological education.

This paper discusses the outlook on life, values and world outlook of bank employees from all aspects, and enhances their ability to consciously resist the erosion of decadent ideas. Front-line employees of banks are often exposed to the management and use of a large amount of cash. In this process, they will face the temptation of money, may be driven by desire, illegally occupy or misappropriate the managed funds, and will also be corroded by some lawless elements. Infiltrate compliance education and ideological and moral education into business, operation, management, finance, distribution and other links, closely focusing on business and operation management.

Insist on doing a good job in people's work in an important position, and grasp it together with professional work. Ideological and moral education should build a strong ideological defense line to prevent and resolve financial risks. It is necessary to combine regular ideological education, strict management and severe punishment, establish three lines of defense in ideology, system and law, and organically combine internal and external constraints to fundamentally curb the occurrence of financial cases and financial irregularities.

Through ideological and moral education, let employees realize the importance of standardized operation and strict management, as well as the harm of neglecting management. Educate employees so that they are afraid, unwilling, unwilling and unable to commit crimes.

2. Strengthen compliance learning and enhance risk prevention ability.

Although the internal rules and regulations of banks have been relatively sound and strict, there are still problems such as rules not being followed, irregularities not being corrected in time, lax system implementation and lax management. Strengthening compliance awareness, strengthening compliance learning and preventing duty crimes require the joint efforts of bank employees and banking institutions, and finally eliminate duty crimes in the bud. As front-line employees of banks, they should comprehensively strengthen counter service, fulfill their duties, strengthen business study, especially the study of various rules and regulations, be familiar with and master the requirements of various rules and regulations, improve their business ability, earnestly perform their duties, and effectively prevent case risks.

3. Be strict with yourself, be strict with yourself.

Due to the particularity of bank work, there will be huge amounts of money in daily work, there will be the temptation of money, there will be the contrast of income disparity, and the personal values, power and interests of employees will be distorted. Faced with the temptation of money, they will have an unbalanced mentality and a compensation mentality, and they will also have a lucky mentality, and the idea of muddle through will continue to breed. We should overcome these unfavorable psychology, grasp the correct direction of life, firmly hold our professional ethics and ideals, stay away from bad psychology such as greed, luck and comparison, establish correct concepts, be cautious, be cautious, be independent and cautious again, and lay a solid foundation for self-discipline. Calculate economic accounts, credit accounts, family accounts, free accounts and family accounts, and enhance personal integrity and self-discipline.

In a word, this compliance study has benefited me a lot. I deeply realize that our bank employees should maintain good professional ethics, be honest and trustworthy, be diligent and conscientious, adhere to compliance management, and strictly implement the provisions of clean business. If you want to get a better future, you need to rely on the self-discipline efforts and efforts of every employee!

200-word essay on bank compliance experience (5) Reflections on compliance education? Mencius said, "If you don't obey the rules, you won't be Fiona Fang." As a new employee, my first lesson is how to avoid risks. Understanding the key points of risk events and mastering various business processes are the most basic qualities of an ICBC employee. So on the first day of registration, I began to recite a series of rules every day, such as ten no illegal operations, eight no, six no and one no disclosure, a kind of risk event standard, always reminding myself not to touch the bottom line.

After carefully reading ten risk cases, I have a deeper understanding of these standards. Employees participate in illegal fund-raising or private lending activities to seek high profits; Employees deliberately inform customers of false information, induce customers to make wrong investments or accept customers' interests, and engage in activities that harm the interests of banks; Interception or exchange of customer e-banking authentication tools, embezzlement and misappropriation of customer funds; Employees violate the interest rate of the People's Bank of China and the interest rate management regulations of the Bank, and raise or lower the interest rate without authorization to seek benefits for themselves or others. Comparing these risk events, I deeply feel that the financial industry is a high-risk industry, and the revision of these rules and regulations must stem from these experiences and lessons. These painful lessons taught me that I must know the law and abide by it, and never touch the bottom line of morality and law! The bank's business is diverse and needs some time to learn. But in terms of ideological consciousness, we must improve it immediately, and we must not be a little sloppy. Establishing internal control is also a business, and safety is also a benefit. Risk management creates value, positive supervision, negative prohibition, and behavioral monitoring norms. It is very necessary for modern financial enterprises to strengthen internal control management. We should not only sing slogans, but also implement them. As employees, we should master business skills, strengthen business capabilities, and enhance compliance awareness on the basis of these capabilities. Xx branch has a profound cultural background. Everyone has the same goal and keeps forging ahead. After the risk incident, they further reflect and strengthen internal control management, which is pressure and motivation for our new comrades. I will actively respond to the activities of the year of strengthening the foundation, and take this opportunity to constantly learn business, improve ideological awareness and strengthen party spirit construction.

Don't do it because of small goodness, and don't do it because of small evils. How to start from myself is what I should think about most now. In order to meet their own requirements, and constantly deepen their awareness of compliance. I should start with the following points:

1. Strengthen reciting and copying a series of rules for employees. Through mechanical memory over and over again, I can get a mental buzz immediately before the invasion comes.

2. Strengthen business learning ability. Practice basic skills hard, get the qualification certificate and understand the business in many ways. You can talk to old employees privately, feel the importance of control from experience and practice, and improve your ideological consciousness while understanding your business.

3. Seriously study the 20xx annual case risk investigation implementation plan. By classifying the latest risk events, we can improve our grasp of the key points of risk events and deepen our legal and moral awareness.

Only by strictly following the rules and regulations and carefully studying the business and legal provisions can we understand what can and cannot be done, what should and should not be done. Only by doing business professionally according to the principle of "one settlement at a time" can we hold the first pass for customers. Compliance education has gone deep into my heart, and I will stick to it all the time, deepen my awareness, turn my awareness into action, and make action a habit.

Shaping the culture of compliance workers and being compliance workers. I am proud of ICBC today, and ICBC will be proud of me tomorrow. I will try my best to explain what I mean for ICBC.

200 words (6) I was fortunate enough to attend a four-day short-term training on "Behavior Decision and Risk Management" in xx School of Management. Although the time is short, I feel benefited a lot. In particular, Professor Zhang Zhixue and Professor Wang Xiaotian respectively analyzed and discussed people's different behavior decisions and their grasp of risks from the perspective of psychology, which made me quite touched.

First, do a good job in information collection, analyze problems from multiple angles, and make rational decisions. People always have to make different decisions in their life, such as study, work and life. It is very likely that a decision will change people's future development path, so try to make rational decisions. How can we make a rational decision? First, we should collect relevant information for the problem and collect it as comprehensively as possible. Secondly, we should establish a feasible scheme to solve the problem according to the information. Third, we must do a good job in program evaluation. Fourth, we should choose the best scheme. In the decision-making process, we should pay special attention to anchoring effect and frame effect, and think from the perspective of others. If we do these four steps well, we can better deal with many uncertainties in the processing and reduce the decision-making deviation. As written in the case of Chen Tianqiao's entrepreneurship in the classroom, "at every turning point, if the right decision is not made, Chen Tianqiao's entrepreneurial story will be rewritten." We are the same. At every turning point, we should analyze and judge rationally and make careful decisions. Only in this way can we lay a good foundation for the future life path and not deviate from our ideal development path.

Second, avoid the deviation of judgment and decision-making and do a good job in risk management. At work, due to the influence of personal knowledge, literacy, growth environment, educational experience, work background and other factors, there will be various deviations in our thinking, such as sensory deviation, cognitive deviation, memory deviation, environmental deviation, etc., which may easily lead to "turning a blind eye to Mount Tai" and "group thinking", which may lead to wrong decisions and risks. From the case of the collapse of Bahrain Bank, I once again feel the importance of risk management. Nick the criminal. Alison's illegal operation, coupled with serious gambler psychology, overestimated the form and concealed important information. Driven by interests, she completely ignored the existence of risks. Coupled with the chaotic internal management and ineffective monitoring measures, Bahrain Bank lost many opportunities to curb the further expansion of risks, which eventually led to the collapse of the century-old bank. Therefore, in the game with the market, we should constantly enhance the risk awareness, lock the risk in the controllable range and do a good job in risk management.

Third, according to the theory of three reference points, do a good job in bottom line regulation and target regulation, and manage risk decisions in daily life. We often set ourselves some goals to constantly motivate ourselves to work hard for the set goals, but we may rarely consider what our bottom line is, and sometimes we may set the bottom line as a goal, so we can't manage the risk decisions in our daily life. For example, to manage money for customers, we should fully understand their needs, their bottom line, current situation and goals. In this way, it is possible to make a feasible financial plan for customers and tell them under what circumstances they can get high returns and under what circumstances they can break even. Otherwise, if we just set the profit target optimistically, it will be difficult for customers to accept and agree when there is a risk situation.

Decision-making is as ubiquitous as risk. How to manage risks and make correct decisions? I think different people have different opinions. So I want to use this sentence in "University" to encourage everyone, "Zhi Zhi will decide later, decide later, be quiet later, be calm later, be safe later, be careful later, and get it later."