BS 8453-2011 Compliance framework for regulated financial services firms Specification《规定金融服务公司的承诺框架 规范》.pdf

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1、raising standards worldwideNO COPYING WITHOUT BSI PERMISSION EXCEPT AS PERMITTED BY COPYRIGHT LAWBSI Standards PublicationCompliance framework for regulated financial services firms SpecificationBS 8453:20nullnullBS 8453:2011 BRITISH STANDARDnullunulllisnulling and copnullrignullt informationThe BSI

2、 copyright notice displnullyed in this docnullnullent indicnulltes nullhen the docnullnullent nullnulls lnullst issnullednullnull BSI 2011ISBN nullnull8 0 580 nullnull20null nullInullS 03null0null0The nullollonulling BSI renullerences relnullte to the nullornull on this stnullndnullrd: nullonullnull

3、ittee renullerence SnullSnullnull Drnullnullt nullor conullnullent 10null30210204 Dnullnullunulllication nullistornullnullirst pnullnulllished nullenullrnullnullry 2011nullmendments issued since punulllicationnullate nullenullt affected null BSI 2011 null iBS 8453:2011BRITISH STANDARDContentsnullore

4、nullord iinull Scope 12 Nornullnulltinulle renullerences 13 Ternulls nullnd denullnitions 14 nullnulliding principles 24nullnull nullonullplinullnce cnullltnullre 24null2 Trnullnspnullrency in denulllings nullith regnulllnulltors 24null3 Independence 24null4 Anullthority 34null5 Adenullnullnullcy on

5、ull resonullrces nullnd nullppronullch 34nullnull nullonnulldentinulllity 35 The conullplinullnce nullrnullnullenullornull 35nullnull nullonullerning nullody innullolnullenullent nullnd responsinullilities 35null2 nullonullplinullnce risnull nullssessnullent nullnd nullnullnnullgenullent 45null3 Adn

6、ullice 55null4 nullonullplinullnce nullonitoring 65null5 nullonullplinullnce trnullining 75nullnull Regnulllnulltory relnulltions 85nullnull nullolicies nullnd procednullres 105null8 nullonullplinullnce reporting 125nullnull nullonullplinullnce nullnullnction: controls nullnd snullpernullision 14Bin

7、ullliogrnullphy 15Summarnull of pagesThis docnullnullent conullprises null nullront conullernull nulln inside nullront conullernull pnullges i to iinull pnullges 1 to 1nullnull nulln inside nullnullcnull conuller nullnd null nullnullcnull conullernullBS 8453:2011ii null null BSI 2011BRITISH STANDARD

8、nullorewordnullunulllisnulling informationThis British Stnullndnullrd is pnullnulllished nully BSI nullnd cnullnulle into enullnullect on 28 nullenullrnullnullry 2011null It nullnulls prepnullred nully SnullSnullnullnull Financial servicesnull A list onull orgnullninullnulltions represented on this

9、conullnullittee cnulln nulle onulltnullined on renullnullest to its secretnullrynullnullnformation anullout tnullis documentThe stnullndnullrd is relenullnullnt to nullll nullrnulls pronulliding regnulllnullted nullnnullncinulll sernullices in the nullnullnull The enulltent to nullhich the renullnul

10、lirenullents onull this stnullndnullrd nullre nullpplicnullnullle to nulln indinullidnullnulll nullrnull depends on the nnulltnullrenullsinulle nullnd conullplenullity onull the nullrnullnulls nullnullsinessnullA conullplinullnce nullrnullnullenullornull nullnd the conullplinullnce nullnullnction cn

11、ulln conuller nullnullny dinullnullerent nullspects onull null nullrnullnulls control ennullironnullentnull The nullinull onull this stnullndnullrd is not to specinully honull this is strnullctnullrednull nullnullt to indicnullte thnullt the control ennullironnullent nullronullnd conullplinullnce ri

12、snull is estnullnulllished nully the gonullerning nullody nullnullter discnullssions nullith the conullplinullnce nullnullnction nulls to honull responsinullility nullor identinullying nullnd nullnullnnullging the nullnullrionulls nullspects onull conullplinullnce risnull is nullpportioned nullithin

13、 the nullrnullnull The stnullndnullrd is not intended nulls nulln instrnullnullent nullor regnulllnulltionnull Rnullthernull it is null tool nullor conullplinullnce nullnullnctions nullnd pronullessionnulllsnull nullonullplinullnce nullith the stnullndnullrd is nullolnullntnullry nullnd nullrnulls n

14、ullre nullt linullerty to inullplenullent the stnullndnullrd in null nullnully thnullt is relenullnullntnull nullpproprinullte nullnd proportionnullte to their nullnullsiness nullodelnullnullresentational conventionsThe pronullisions onull this stnullndnullrd nullre presented in ronullnulln nullinul

15、lenull nullprightnulltype nullnd nullre enullpressed in sentences in nullhich the principnulll nullnullnullilinullry nullernull is nullshnullllnullnull nullonullplinullnce nullith the pronullisions is necessnullry nullor conullplinullnce nullith the stnullndnullrdnullCommentary, explanation and gene

16、ral informative material is presented in notes in smaller italic type, and does not constitute a normative elementnullContractual and legal considerationsThis pnullnulllicnulltion does not pnullrport to inclnullde nullll the necessnullry pronullisions onull null contrnullctnull nullsers nullre respo

17、nsinullle nullor its correct nullpplicnulltionnullCompliance witnull a Britisnull Standard cannot confer immunitnull from legal onullligationsnullnullonullplinullnce nullith null British Stnullndnullrd does not enullnullnullte to conullplinullnce nullith legnulll nullnd regnulllnulltory renullnullir

18、enullentsnull nullsers still hnullnulle to conullply nullith the lnullnullnullnull BSI 2011 null 1BS 8453:2011BRITISH STANDARDnull ScopeThis British Stnullndnullrd specinulles onullernullrching policiesnull procednullres nullnd nullethods nullor opernullting null conullplinullnce nullrnullnullenullo

19、rnull nullsee nulllnullnullse 4null nullithin null regnulllnullted nullnnullncinulll sernullices nullrnullnullThis stnullndnullrd sets onullt null nullethodology nullor inullplenullenting nullnd nullnullnnullging the conullplinullnce nullrnullnullenullornull nullt nulloth gronullp nullnd line lenull

20、elnullThe enulltent to nullhich the renullnullirenullents onull this stnullndnullrd nullre nullpplicnullnullle to nulln indinullidnullnulll nullrnull depends on the nnulltnullrenull sinulle nullnd conullplenullity onullthe nullrnullnulls nullnullsinessnullnullnullnullnull Firms may implement tnullis

21、 standard in a nullay tnullat is relevant, appropriate and proportionate to tnulleir nullusiness modelnullThe stnullndnullrd does not specinully renullnullirenullents nullor risnull nullnullnnullgenullentnulldnulltnull protection nullconullered in BInull 0012 nullnd BS 10012nullnull conullplnullints

22、 hnullndling nullconullered in BS ISnull 10002nullnull or inclnullsinulle sernullice pronullision nullconullered in BS 184nullnullnullnull2 nullormative referencesThe nullollonulling renullerenced docnullnullent is indispensnullnullle nullor the nullpplicnulltion onull this docnullnullentnullnullinn

23、ullncinulll Sernullices Anullthority nullnullSAnull nulllossnullry nullhttp:nullnullnullsnullhnullndnulloonullnullinnullonullnullSAnullglossnullrynullhtnulllnullhnullndnulloonullnullnulllossnullrynullnullnullnullnull nullt is expected tnullat tnulle denullnitions in tnulle Fnullnull nulllossary null

24、ill not cnullange nullnullen tnulle regulatory framenullornull cnullangesnull3 nullerms and definitions nullor the pnullrposes onull this British Stnullndnullrdnull the ternulls nullnd denullnitions ginullen in the nullSA nulllossnullry nullnd the nullollonulling nullpplynullnullnullnullnull 1 nulln

25、 particular, tnulle Fnullnull denullnitions of nullapproved personnull, nullcompliance nulloversignulltnull functionnull nullnullereafter referred to as nullcompliance functionnullnull, nullgoverning nullodynull, nullregulated activitynull and nullsenior managernullare adopted nully tnullis nullriti

26、snull nulltandardnull nullnulle term nullregulated nullrmnull is used in place of tnulle Fnullnull term nullregulated entitynull, nullut snullares tnulle same denullnitionnullnullnullnullnull 2 nullt is necessary to nulle clear anullout denullnitions as tnullis is a potential source of noncompliance

27、null3nullnull compliancenulldherence to renullnullirenullents onull the regnulllnulltory systenull thnullt nullpply to the nullrnull nullndnullor specinulled indinullidnullnullls nullithin it nullnd the regnulllnullted nullctinullities nullhich the nullrnull nullndnullor snullch indinullidnullnullls

28、 cnullrry onullt3null2 compliance frameworkseries onull nullctinullities nullcross null nullrnull thnulltnull nullhen inullplenullented togethernullhelp to ensnullre conullplinullnce3null3 compliance monitoringnullctinullity nullndertnullnullen nully null nullrnull to onulltnullin nullssnullrnullnce

29、 thnullt its systenulls onull control nullre opernullting nulldenullnullnulltely nullnd nullre nullnullnnullging conullplinullnce risnulls enullnullectinullelyBS 8453:20112 null null BSI 2011BRITISH STANDARD3null4 compliance riskpotentinulll nullor legnulll or regnulllnulltory snullnctionsnull nulln

30、ullterinulll nullnnullncinulll lossnull or loss to repnulltnulltion nullrising nullronull null nullrnullnulls nullnullilnullre to conullply nullith nullpplicnullnullle renullnullirenullents nullnder the regnulllnulltory systenull thnullt nullpply to the nullrnull nullnd its regnulllnullted nullctinu

31、llities3null5 regulatornullnullthority or nullody responsinullle nullor the nullnullthorinullnulltionnull regnulllnulltion nullndnullor snullpernullision onull nullny regnulllnullted nullctinullitiesnull nullhether in the nullnull or onullersenulls 4 nulluiding principles4nullnull Compliance culture

32、The nullrnullnulls gonullerning nullodynull thronullgh policiesnull enullnullnullple nullnd nullpproprinullte trnulliningnull shnullll nullrticnulllnullte null set onull core nullnulllnulles nullhich nullnderpin the nullrnullnulls relnulltionships nullith its clients nullinclnullding cnullstonullers

33、nullnull conullnterpnullrtiesnullregnulllnulltory nullnullthoritiesnull indnullstry nullnd nullnullrnulletsnull nullnd denullne the nullehnullnullionullrs enullpected onull its stnullnullnullnull therenully estnullnulllishing null conullplinullnce cnullltnullre nullhich pronullotes integrity in null

34、ll nullspects onull the nullrnullnulls nullnullsinessnull A nullnulllnullesnullled conullplinullnce cnullltnullre shnullll nulle enullident in the nullctionsnull decisionnullnullnullnulling nullnd conullnullnullnicnulltions onull the nullrnullnull its nullnullnnullgenullent nullnd its stnullnullnull

35、nullCnullnullnullnullnullnullnullnullnull nullnull 4.1null compliance culture can nulle promoted nully, among otnuller tnullings, mission statements and codes of conductnull nullnulle nullrmnulls governing nullody and senior managers snullould nullornull nullitnull tnulle compliance function and otn

36、ullers to drive tnulle culture, identify denullciencies in tnullat culture and provide remediesnullnullnulle respective roles of tnulle governing nullody and senior managers in tnulle management and oversignullt of compliance snullould nulle clearly and explicitly denullned and made nullnonulln tnul

37、lrougnullout tnulle nullrmnull4null2 nullransparencnull in dealings witnull regulatorsThe nullrnull shnullll denulll nullith its regnulllnulltors in nulln open nullnd coopernulltinulle nullnullynullinclnullding nulls set onullt in 5nullnullnull4null3 nullndependenceThe conullplinullnce nullnullnctio

38、n shnullll nulle nullnullle to denullonstrnullte independence: nulloth independence to nullctnull inspect recordsnull chnullllenge nullnd reportnull nullnd independence nullronull the nullnullsiness it nullonitorsnull In pnullrticnulllnullrnull the nullethod onull deternullining renullnullnernulltio

39、n onull those innullolnulled in the conullplinullnce nullnullnction shnullll not conullpronullise their onullnullectinullity or nulle linullely to do sonullnullnullnullnull 1 nullf a compliance ofnullcer supports tnulle nullnullole nullusiness of a nullrm, an element of tnulleir remuneration may nul

40、le nullased on tnulle pronulltanullility of tnulle entire nullrm, nullut it snullould not nulle tnulle only or dominant metricnull nullerformance may also nulle nullased on otnuller, nonnullnullnancial metricsnullnullnullnullnull 2 nullnullis standard assumes tnullat a nullrm nullas a separate compl

41、iance functionnull nullnullere tnullis is not tnulle case, tnulle term nullcompliance departmentnullor nullcompliance functionnull snullould refer to tnulle nullrmnulls registered CF10nullnullnullnullnull 3 null smaller nullrm snullould nullave policies and procedures in place to manage potential co

42、nnullictsnullnull BSI 2011 null 3BS 8453:2011BRITISH STANDARDnullnullnullnull 4 Furtnuller guidance is given innullnull nullnullnullC 6null1null4nullnull4null null1nullnullnull tnulle report of tnulle nullnullnullCnull nullecnullnical Committee on Compliance function at marnullet intermediaries null

43、2nullnull andnull tnulle nullasel report on Compliance and tnulle compliance function in nullannulls null3nullnull4null4 nullutnulloritnullThe conullplinullnce nullnullnction shnullll hnullnulle snullnullnullcient nullnullthority nullronull the gonullerning nullody to nullllonull it to nullnulllnull

44、l its responsinullilities enullnullectinullelynull4null5 nulldenulluacnull of resources and approacnullThe conullplinullnce nullnullnction shnullll hnullnulle nulldenullnullnullte resonullrcesnull tnullnulling into nullcconullnt the nnulltnullrenull scnullle nullnd conullplenullity onull the nullrnu

45、llnulls nullnullsinessnull The nullrnullnulls conullplinullnce resonullrces shonullld nulllso nulle nullpproprinullte in ternulls onullnullnullnullongst other thingsnull conullpetence nullnd relenullnullnt enullperience onull stnullnullnullnullthe onullernullll nullnnnullnulll nullnulldgetnull IT nu

46、llnd trnulliningnullnullnullnullnull Furtnuller guidance is given in null null nullnullnullC 6null1 null1nullnullnull tnulle report of tnulle nullnullnullCnull nullecnullnical Committee on Compliance function at marnullet intermediaries null2nullnull andnull tnulle nullasel report on Compliance and

47、tnulle compliance function in nullannulls null3nullnull4nullnull ConfidentialitnullThe conullplinullnce nullnullnction shnullll nullnullintnullin the strictest lenullels onullconnulldentinulllity nullhen cnullrrying onullt its dnulltiesnull Innullornullnulltion to nullhich the conullplinullnce nulln

48、ullnction hnulls nullccessnull snullch nulls personnulll dnulltnullnull disciplinnullry innullornullnulltionnull renullnullnernulltionnull legnulll nullnd regnulllnulltory proceedings nullnd nenullnullnullsiness strnulltegiesnull shnullll nulle trenullted nullith nullpproprinullte connulldentinullli

49、tynull5 nullnulle compliance frameworknullnullnullectinulle: To set onullt the responsinullility onull the gonullerning nullody nullor the nullnullnnullgenullent onull conullplinullnce risnull nullnd the estnullnulllishnullentnullindependence nullnd resonullrcing onull the conullplinullnce nullnullnctionnullnullccording to the nnulltnullrenull scnullle nullnd conullplenullity onull the nullrnullnulls nullnullsinessnull5nullnull nulloverning nullodnull involvement and responsinullilitiesnullnullnnullging conullplinullnce risnull shnullll nullltinullnulltely nulle the responsinullility onullt