Five articles on the experience of bank employees' compliance

1. Experience of bank employees' compliance

"Compliance is everyone's responsibility" is not only a slogan, but also a kind of spirit. To achieve compliance management, we must always be mindful of compliance. Bank is a service industry and a high-risk industry. As a bank employee, it is an important and permanent theme to guard against risks, avoid risks and comply with regulations.

As the saying goes, "No rules make Fiona Fang" is an interpretation of the importance of compliance, which is an eternal law of social development. "Control risk" and "zero risk" are the first principles of commercial banks' operation. To ensure zero risk, it is necessary to comply with the law, which requires not only the overall compliance, but also the compliance of each individual. A single individual's violation means the overall non-compliance, so compliance is a requirement for everyone.

there is no room for any luck in compliance, and any 1% negligence may bring 1% losses. It is shocking that Societe Generale lost 1 billion yuan because an internal trader bought and sold futures illegally. Wang Yi, the former vice president of China Development Bank, took advantage of his position to issue loans to enterprises in violation of regulations and took bribes of tens of millions of yuan, and eventually became a prisoner. Bank risk events emerged one after another. Painful experience tells us that nine cases of violation of regulations are a work attitude, which is not a calligraphy printed on paper. What it needs is that everyone should practice it all the time.

"A levee of a thousand miles is broken by the hole of an ant". The outbreak of major risk events is often the accumulation of non-compliant behaviors in the daily activities of employees, taking the initiative to comply with the rules, starting from "I", establishing four consciousnesses and staying away from risk events. First, we should establish a sense of responsibility. We should conscientiously implement various rules and regulations in line with the principles of being responsible for our work, our colleagues and ourselves, consciously integrate knowledge with action, and stand up to compliance inspection afterwards. The second is to establish a sense of compliance, and the line is destroyed by thinking. We must correctly grasp ourselves and always tighten the string of compliance; Third, establish a sense of confidentiality and establish the principle that there is no trivial matter in confidentiality work; Establish a sense of supervision in private affairs and form the habit of mutual supervision, so as to make fewer mistakes and supervise others not to make mistakes.

As the saying goes, "Rome wasn't built in a day", and it is also said that "old habits cannot be changed". A person's enemy is himself. It really takes a lot of courage and perseverance to correct bad habits. But no matter how difficult it is, we must also overcome ourselves. As long as everyone establishes a sense of compliance and develops good work habits, it is natural to achieve comprehensive compliance management.

2. Experience of bank employees' compliance Model essay

Taking part in the training for comprehensive tellers in the head office made me feel personally that as a comprehensive teller in a grass-roots branch, I should improve my requirements in all aspects. Here, I would like to thank the Head Office for the careful arrangement and the wonderful lectures given by the lecturers, which have significantly improved my compliance awareness and theoretical basis. The following are my thoughts and experiences:

Be a practitioner of compliance operation. Compliance operation has always been an inherent requirement for the stable operation of the banking industry, a duty that every employee must perform, and the most basic requirement for safeguarding the eight rights of financial consumers, such as the right to property safety and the right to know. Whether the compliance operation is strictly implemented will affect the sustainable and healthy operation of the whole bank. What may seem like trivial illegal operations may actually bring us heavy lessons and costs. Rules and regulations can't be simply talked about, and we can't let our guard down just because some customers are acquaintances. Only by strengthening the study of our own business knowledge, raising our awareness of compliance operation and sounding the alarm bell can we really and effectively improve our service quality.

be a high-quality and civilized server. As a financial service industry, the service level of banks has become an important factor to attract customers. In this competitive market environment, the idea of "building a people's bank with temperature" put forward by the provincial association has become our knowledge and the core competitiveness of our rural commercial banks to provide customers with quality and civilized services. We should always stand from the customer's point of view, understand the customer's real needs, solve the customer's actual problems, and provide customers with convenient and warm quality services. Don't explain to customers hastily for convenience, so that customers feel that they are perfunctory and cold.

be a pioneer in inclusive finance. Inclusive finance is the only way for the sustainable development of rural commercial banks. As a grassroots network, it is necessary to promote the development of financial inclusion, improve the coverage of financial services and customer satisfaction, enhance the people's sense of access to financial services, and provide more open, convenient and warm banking services for urban and rural customers. Since joining the company, branch presidents and accountants have taken the lead in entering the village, visiting and registering customer information, popularizing basic financial knowledge for farmers, and doing fine business of "supporting agriculture and supporting small businesses" to enhance their sense of acquisition.

3. Experience of bank employees' compliance

Recently, the Head Office organized a comprehensive teller training course. Before the training started, a question raised by the President of the Head Office in the training speech aroused my deep thinking, that is, what is compliance?

what is compliance? In my opinion, compliance is the basic premise for the sustained and steady operation of banks. Rules and regulations are an invisible "security". It seems that there are many rules that bind us all the time, but it is these countless rules and regulations that protect us from becoming "victims" of violations.

as a new employee and a front-line comprehensive teller, I feel that if I want to be compliant in my post, I must always keep my awareness of compliance. To use daily time to study rules and regulations, only by putting awareness in place can theoretical knowledge be kept in mind. At the same time, integrate consciousness and theory into practical work, apply what you have learned, and "restrain" yourself and protect yourself with rules and regulations.

Fiona Fang can't be made without rules. We should always remind ourselves, what is compliance? What is non-compliance? What should I do? What not to do? For each system and method, we must "prohibit it" and keep the insurmountable moral bottom line in our hearts.

4. experience of bank employees' compliance

recently, the compliance operation department of the head office organized a comprehensive teller training. during the one-day training, I had a clearer understanding of my job responsibilities, especially the case of communicating with customers in the course, which inspired me deeply.

why do you need communication? I think the examples in class give us a clear explanation. Customers are anxious to solve the problem. If we choose to turn a blind eye, it will only make the problem more difficult to solve.

5. bank employees' experience in compliance

Lao Tzu often says, "People should follow the law, the land should follow the law, and the law should be natural." Nature uses natural laws to interpret the trajectory of life, and we need to interpret the essence of enterprises with compliance. An enterprise that doesn't follow compliance must deviate from the law of social development, and its outcome will surely fail. On the contrary, only an enterprise that follows compliance can flourish in the right direction.

I vaguely remember that two years ago, I passed a rigorous written test and interview for Tianmen Rural Commercial Bank. From the written test to the interview, I felt the baptism of compliance when I first entered the workplace. Compliance is the self-regulation of every financial industry and the self-discipline of every financial worker. While regulating and self-discipline, compliance also gives us great power, which enables us to have correct life values and stick to our own personality beliefs.

on the first day of work, my father repeatedly told me that I must be careful when dealing with money, and I can't tolerate any carelessness. My father has always been serious, so he is especially strict with me when I first joined the bank. I came to the first stop-Songshi Sub-branch, studied business with my master, and gradually found that the business operation process was correct and should be standardized. For example, when handling the password loss reporting procedures, the information filled in by the customer on the application for loss reporting must be complete, and the customer identity verification data should be retained. Once, when the city bank organized routine compliance inspection and looked up the loss reporting register, one of the customers did not keep the signature handwriting information, and this business was just what he accepted. It is conceivable that if customers come to find their own loss report form in the future without signature information, what consequences will there be? This risk is self-evident. Deeply aware that these basic business norms are to equip us with a suit of armor and give us potential self-protection.

After half a year, I will rotate to Xiachang Sub-branch, which is also the second stop of my work. Here is a large-scale outlet in agricultural areas. There is a large pig farmer, Sister Zhu, who has been handling deposit and withdrawal business in our bank for a long time and is very familiar with us. On one occasion, she hurried to say that she wanted to withdraw 2, cash to pay for the feed. According to the usual practice, Sister Zhu always made an appointment one day in advance and then withdrew the money the next day. Today, it was a bit unexpected. We repeatedly explained that the law of the People's Bank of China stipulates that withdrawals of more than 5, must be made one day in advance before they can be withdrawn. Sister Zhu called the branch president and asked for a break. The president of the sub-branch firmly told Sister Zhu that the withdrawal of large sums of money can only be made after an appointment is made one day in advance. Sister Zhu was greatly unhappy with the solemn attitude of the president, and the harmony in the past was flushed because of today's disappointment. It is the most difficult choice in human relations, but I still refused Sister Zhu's request without hesitation. Although it is inhuman, it has preserved the basic bottom line of the industry. Fortunately, I got the understanding of Sister Zhu afterwards. At the same time, I am more determined about the bottom line of my own industry ethics. Don't do it with evil, and don't do it with good.

internally, compliance is our constraint on ourselves, externally, it is our rejection of customers' violation of industry regulations. I have been employed for more than two years, and I have always regarded compliance as my basic criterion. I always abide by the rules and regulations and dare not exceed them.