Risk and compliance

It is very important to us that our customers trust us. We take our responsibilities extremely seriously. In the interests of our customers, we devote a great deal of attention to risk management and compliance with all legal requirements.

We ensure that we provide transparent information on our activities, services and products and that there is transparent reporting with respect to our financial stability. We ensure that our staff are honest, knowledgeable and professional and we treat our customers and other stakeholders with appropriate care.

The duty of care lies at the heart of our operations
Achmea Bank guards its reputation and integrity by ensuring that statutory requirements, regulations and ethical standards are adhered to. Compliance and risk management are strongly embedded in our operations. The Operational Risk and Compliance functions occupy an independent position within Achmea Bank. They continuously monitor that the service we provide reflects what Achmea Bank aims to be: a reliable and trustworthy bank.

Policy and rules

Achmea general code of conduct
Achmea Bank can only operate successfully if it has the confidence of all its stakeholders. In everything we do, integrity is seen as vital to securing this confidence on a lasting basis. To this end, Achmea Bank nurtures a culture of openness in which people are able to raise integrity issues without inhibition.

The Achmea Code of Conduct describes how we treat each other within Achmea and how we deal with business information and resources, look after the working environment, resolve conflicts of interest, manage incidents and handle complaints.

 Achmea Code of Conduct (Dutch)

The oath or promise (bankers' oath)
The banking industry has introduced a bankers' oath with the goal of bringing about a change of culture in the financial sector. The aim, among other things, is to help restore consumer confidence in banks and the trust of society in the industry. For Achmea Bank, all its employees must therefore take the bankers' oath and also submit to the disciplinary rules of the banking industry.

 Oath or promise

Achmea Insider Trading Rules
This Code of Conduct applies to all employees (insiders) who have or could have access to price-sensitive information. It covers not only Achmea's permanent staff but also any temporary staff.

 Achmea Insider Trading Rules (Dutch)

Achmea Whistleblower Procedure
The Whistleblower Procedure describes the procedure to be followed as soon as an employee reports an incident involving abuse of information of a potentially sensitive or confidential nature, including: reporting procedure, investigation procedure, confidentiality and legal protection.

 Whistleblower Procedure (Dutch)

Remuneration policy
Our remuneration policy is part of the general remuneration policy of Achmea. Achmea publishes a Remuneration Report (>>link) each year disclosing information on the remuneration policy, including aggregate figures. This report covers the information policy of Achmea Bank as well as other parts of the group.

 Remuneration Report (Dutch)