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At Merivane International, compliance is embedded in our culture, not bolted on. Every decision — at every level — is made with full regard for our legal, regulatory, and ethical obligations.
We do not treat compliance as an obstacle to business. We treat it as the foundation on which sustainable client relationships are built. A bank that operates with integrity earns deeper trust — and that trust compounds over generations.
Our compliance team works as a partner to our bankers, not a gatekeeper. They are involved early in client onboarding, transaction structuring, and product development — ensuring we move quickly and correctly, not slowly or incorrectly.
Rigorous client identification and verification at onboarding and on a risk-based periodic review cycle. Enhanced due diligence applied to PEPs and high-risk profiles.
Full compliance with FATF recommendations and all applicable national AML legislation. Automated transaction monitoring with human review of alerts by trained analysts.
Real-time screening of all clients, transactions, and counterparties against UN, EU, OFAC, and HM Treasury sanctions lists. No exceptions, no workarounds.
Full compliance with FATCA, CRS, and applicable tax reporting obligations across all jurisdictions. Automatic exchange of financial account information as required by law.
A comprehensive code of conduct governs all staff behaviour, including conflicts of interest, gifts and entertainment, personal account dealing, and whistleblowing obligations.
Timely and accurate reporting to all relevant supervisory authorities. A dedicated regulatory reporting team manages submissions across all jurisdictions in which we operate.
Full compliance with the Financial Action Task Force's 40 Recommendations on AML and counter-terrorist financing across all jurisdictions.
Full compliance with US Foreign Account Tax Compliance Act and the OECD Common Reporting Standard for automatic exchange of financial account information.
Full compliance with the EU General Data Protection Regulation and applicable national data protection laws governing the processing of personal data.
Capital adequacy, liquidity coverage, and leverage ratio requirements maintained in full compliance with applicable prudential standards for private banks.
Where investment services are provided within the EU, full compliance with Markets in Financial Instruments Directive requirements including suitability, best execution, and transparency.
Adherence to the Wolfsberg Group's principles for private banking, correspondent banking, and anti-corruption, reflecting our commitment to the highest voluntary industry standards.
Our compliance function reports directly to the Board, not to business line management. This independence is structural, not aspirational.
We report fully and promptly to all relevant supervisory authorities. We do not seek grey areas. We do not exploit regulatory ambiguity.
There is no revenue, no client, and no transaction that justifies a compromise of our compliance obligations. This is not a policy — it is an institutional conviction.
For regulatory enquiries, compliance documentation requests, or to report a concern, our compliance team is available directly.