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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 misbehavior 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 misbehavior. To prevent and detect such activities we depend absolutely on the assistance of you. Reports from employees, clients or third parties do lead to the discovery of such activities, their investigation and prosecution.

We have therefore introduced an electronic reporting system for such reports. This supplements existing communication channels to managers, Internal Audit or Compliance. 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, which 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.

To handle your report and any later communications, BKMS enables the set-up of a dedicated mailbox for you. (This can be made anonymous, though we do encourage you to submit your name if possible.) This will support communication and handling of your report. Your information will be handled with strict confidentiality.

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?”).

We will treat all reports received as being made in good faith. For your part, you must not use the mailbox to submit false reports or defamatory information. Reports consciously intended to make mischief, or to defame people, are not in the spirit of this process, and may have adverse personal consequences for you.

Please note: you should use the BKMS^®-Portal on this internet webpage to submit reports only for the below-mentioned entities. 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 or loss report, please refer to the published official hotlines, mailboxes or contacts.

Further information about the above mentioned 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, please read the introductory text on the process, which also states how your identity will be protected (if this is what you want). Once you have read the introduction, you can proceed by clicking on “Submit Report” (for your first report). You will be asked to read and verify your understanding and acknowledgment of the system's Privacy Policy by entering in the displayed security code in order to securely enter the system and begin the reporting process.

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, and you will also be given the opportunity (limited to 5000 characters, roughly a full A4 sheet of paper) to explain the case in your own words. To support your report you may also upload documents of up to 5MB. (If you wish to remain anonymous, please be sure to 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 can then set up your own secured 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 be asked to verify security each time in order to 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 secured 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 (except for your name and only if you choose to disclose it) at any point in the reporting process.

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

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