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Join the Fight against Financial Crime and legal/ regulatory and internal Breaches!

Economic damage caused by financial crime (e.g. fraud, theft, embezzlement or corruption) and other internal or legal/ regulatory misbehaviour is ever-increasing. Financial crime can also damage a company's reputation and may even threaten its very existence.

Commerzbank is committed to fighting such misbehaviour, past and present. To prevent and detect such activities, we encourage you to use the usual speak up channels to escalate these concerns; however, we understand that there are circumstances where people may not feel comfortable doing so. Reports from employees, clients or third parties lead to the discovery of such activities, their investigation and prosecution.

Therefore, Commerzbank has introduced an electronic reporting system for such reports. This is supplemental to the existing reporting channels to managers, Internal Audit and Compliance. However, you can also submit your information to the local regulator, Financial Conduct Authority, following their Whistleblowing online platform. You can of course also submit your information by written letter to the address or fax number mentioned below.

The BKMS^® System (Business Keeper Monitoring System) is an internet-based application that enables employees, clients and third parties to report financial crime and breaches of legal, regulatory and internal requirements (whether against or within the Bank). And they can do this anonymously if needed.

BKMS^® enables the set-up of a dedicated mailbox for you to handle your report and any later communications. Commerzbank is committed to creating a safe, secure and ethical place to work. The reports made in the hotline are anonymous, if desired, and the associated investigatory records will remain confidential.

Commerzbank has set up the BKMS^® System for the reporting of financial crime and breaches of legal, regulatory and internal requirements. Reports outside of this focus should be handled through other channels. The BKMS^® System is not an emergency system (see “What reports should be submitted via the system?”).

Commerzbank acknowledges that the protection of whistleblowers in the BKMS^® System tool and throughout its entire review process is an important part of the Bank`s integrity framework. All reports will be treated as being made in good faith.

Commerzbank does not tolerate retaliation against those who raise concerns and consider any such actions as a potential disciplinary matter.

Please note: you should use the BKMS^®-Portal on this internet webpage to submit reports only for the below-mentioned entity. For reports affecting other Commerzbank Group entities, please use the relevant BKMS^®-Portal on that entity´s internet site, or see the links listed on the Commerzbank Group internet site.

Why should I submit a report?: Why should I submit a report?

Commerzbank is committed to a positive, open corporate culture which complies with all statutory and regulatory requirements. Financial crime or breaches of the aforementioned guidelines could damage our company, or our clients. If you have suspicions or information on such activities, by submitting your report you can contribute to its discovery and prevention.

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What reports should be submitted via the system?: What reports should be submitted via the system?

Besides acts of financial crime, all breaches of legal, regulatory or internal requirements/rules connected to Commerzbank should be reported via this portal.
For legal claims against the bank, or service complaints, our Quality Management Department will be happy to assist.
The BKMS^® System is not an emergency system. For an emergency blocking action or loss report, please refer to the published official hotlines, mailboxes or contacts.
Further information about the possible reporting topics will be provided in the course of the reporting process.

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How does an anonymous report work, and how can I set up a postbox?: How does an anonymous report work, and how can I set up a postbox?

First you are asked to read an introductory text on the process, which states how your identity will be protected (if this is what you want). You will also be asked set up a security check.
Then you will be asked to give the substance of your report in your own words. You will be prompted for some details about the case. You will have roughly a full A4 sheet of paper to do this. To support your report you may also upload documents of up to 5MB. (If you wish to remain anonymous, do check whether the documents contain details personal to you.) After sending your report, you will receive a reference number which proves that you have sent it.
You will then set up your own (anonymous) postbox. This will be used to send you feed-back, to ask you questions and to inform you about the investigation of your case.
Once you have a postbox in the BKMS^® System, you can go straight to it via the Login button. You will give the security check and so enter the system.

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How can I receive feedback and yet still remain anonymous?: How can I receive feedback and yet still remain anonymous?

A priority of the BKMS^® System is the protection of the person placing the report. In setting up your (anonymous) postbox you will select your own alias and password. Your report will be kept anonymous by means of encryption and other special security technology. We will not know even the computer from which the messages are received. You will not be asked to submit personal information at any point in the reporting process.

You will receive feedback about your case from the investigators via the anonymous postbox. The entire correspondence about your report will be directed via this postbox.

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