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High-quality services and advice

We offer our clients high-quality services and advice and strive to maintain a rigorous compliance and control culture.

 

High-​quality service and advice

When providing advice to our clients, we assess its suitability to help ensure that our clients have the requisite knowledge and experience to understand the associated risks and to make sure that our advice is in line with their risk profile and investment objectives. When executing orders on behalf of our clients, we assess the appropriateness of the transaction for them and address potential mismatches. The Credit Suisse advisory process helps us to understand our clients' circumstances, their risk profile and their financial needs and plans, and it incorporates sophisticated analytical tools that can identify counterparty risks and simulate potential returns in different scenarios to provide an objective basis for client investment decisions. Credit Suisse has been committed to strengthening investor protection for a number of years and has invested in the related systems, processes and employee training – including a mandatory certification program for relationship managers.

 

SMEs in Switzerland

The importance of banks for the continued development and growth of the economy is demonstrated by our activities in our Swiss home market, where Credit Suisse is a trusted financial partner to more than 100,000 companies or around 1 in 3 businesses. The majority of Credit Suisse's corporate clients are small and medium-sized enterprises (SMEs) that generally have no direct access to the capital markets and are therefore often reliant on bank loans to fund working capital and/or investments. One of our goals is to assist these companies with a fair, competitive and risk-adjusted lending policy.

Find out more about how Credit Suisse works with Swiss businesses to support growth.

Financial integrity

Compliance operates as an independent Executive Board-level function at Credit Suisse, underscoring the high level of importance that we assign to this topic. The function's mandate is to oversee compliance matters for Credit Suisse, and it includes being a proactive, independent function that partners with the businesses by continuously challenging and supporting them to effectively manage compliance risk.

Recognizing the critical role of employees in helping to preserve financial integrity, we aim for the highest standards of personal accountability and ethical conduct from each member of our workforce. Credit Suisse employees at all levels of the organization, as well as the members of the Board of Directors, are obligated to adhere to Credit Suisse's Code of Conduct. To ensure we are continuously informed of the latest regulations and industry standards, our employees are required to participate in an annual targeted and tailored training curriculum. It includes, but is not limited to, developments in the finance industry and internal best practices for continued compliant growth. Since the launch of our six Conduct and Ethics (C&E) Standards in 2017, Credit Suisse has focused on confirming that the C&E Standards are firmly embedded in our processes throughout the bank and reinforced by a strong emphasis from senior management. The six C&E Standards – Client Focus, Meritocracy, Stakeholder Management, Accountability, Partner and Transparency – set the values and conduct expectations for employees.

We believe that protecting the integrity of the financial system is a core responsibility of banks. At Credit Suisse, we are committed to complying with all applicable financial crime laws and regulations in the jurisdictions in which we operate. We have established global policies and procedures in an effort to achieve more robust and consistent standards of compliance, including in relation to politically exposed persons (PEP), the prevention of money laundering and terrorist financing, bribery and corruption, as well as the adherence to applicable economic and trade sanctions laws.

Credit Suisse maintains active participation in the Wolfsberg Group, a reflection of our continued commitment to understand the latest financial crime risks and controls, while also staying abreast of important regulatory and market developments. We expect threats related to the global financial system to grow and change, and we are actively developing and implementing risk management capabilities to combat financial crime. In addition, employees must ensure that transactions that may impact on the reputation of Credit Suisse undergo our bank-wide standardized Reputational Risk Review Process.

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Commitment to tax compliance

Credit Suisse policies mandate that we do not accept or manage client assets if we know or become aware of information that would support a suspicion of tax noncompliance. To address the regulatory and reputational risks associated with undeclared assets held by private clients, Credit Suisse has, over the last several years, carried out comprehensive client tax programs and reviews covering clients in essentially all of our major markets. In addition, we have a Client Tax Compliance Policy that underpins our zero tolerance approach to tax evasion or the facilitation of tax evasion either by employees or third parties.

Credit Suisse fully adheres to its obligation as a financial institution to collect information regarding the tax classification of clients in order to assist in the sharing of information by tax authorities. To find out more about the Automatic Exchange of Information, visit the dedicated page. Information on the US Foreign Account Tax Compliance Act can be found here.