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حسابداری و مالی::
خدمات فروش گمراهانه
■ Fair treatment of customers-example: "mis-selling"
Third Party (Outsourcing) Business Practices Employee Customer Market abuse Breach of code of conduct Misleading marketing and mis-selling Breach of code of conduct Not giving or misrepresenting KYC details (Know Your Customer) Complaints against the outsourcing partners/vendors Nondisclosures, incorrect or incomplete disclosures to all stakeholders including regulators Conflicts of interest in terms of roles within the organization or outside positions held Irregularities in product and services offered Risks costs Acceptance or giving of bribery in the form of gifts, favors Abuse of financial system
Business practices related LOW RISK MEDIUM RISK HIGH RISK Total Assessments Inappropriate Marketing Practices, Sales practices (mis-selling) 8 10 2 20 Irregularities in Product and Services offered 10 8 2 20 Advisory services (improper or misleading) 12 7 1 20 Customer complaint management 14 6 20 New Product Implementation 10 6 4 20 2.
Composite Risk Score LOW RISK MEDIUM RISK HIGH RISK Inappropriate Marketing Practices, sales practices 40.00% 50.00% 10.00% 1.7 (mis-selling) Irregularities in Product and Services offered 50.00% 40.00% 10.00% 1.6 Advisory services (improper or misleading) 60.00% 35.00% 5.00% 1.45 Customer complaint management 70.00% 30.00% 0.00% 1.3 New product implementation 50.00% 30.00% 20.00% 1.7 2.
Business practices related Risk Factor Significance Inappropriate Marketing Practices, sales practices (mis-selling) 3.90 Irregularities in Product and Services offered 3.65 Advisory services (improper or misleading) 3.85 Customer complaint management 4.20 New Product Implementation 4.35 2.
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