Whistleblowing

In fostering a good integrity culture, KAF Digital Bank believes in a system that is safe and confidential. KAF Digital Bank’s Whistleblowing Policy provides an avenue for all employees of the Bank and other stakeholders to report in good faith on any improper conduct.

Improprieties for disclosures

The following are generally accepted as improper conduct for whistleblowing, of which the list is not exhaustive:

a) Fraud;

b) Theft;

c) Criminal Breach of Trust;

d) Corruption;

e) Bribery;

f) Money Laundering;

g) Abuse of Authority;

h) Failure to comply with laws and regulations;

I) Misuse of the Bank’s fund or property; and

j) Violations of the Bank’s Policies and Procedures as well as Group Code of Ethics and Professional Conduct Policy.

To facilitate an investigation into the alleged improper conduct, where possible and applicable, the following information should be included when making a disclosure:

a) Brief description of the misconduct;

b) The date and location of the incidence;

c) The identity of the wrongdoer;

d) Particulars of witnesses, if any;

e) Supporting evidence and/or documents; and

f) other details deemed to be useful to facilitate assessment and action to be carried out.

Anonymity, Confidentiality and Protection.

KAF Digital Bank is committed in protecting the whistleblower’s identity, anonymity and the confidentiality of the matter disclose, except if disclosure is required by law or if it is essential for the investigation to proceed effectively. Whistleblowers who reported in good faith on improper conduct shall be protected against any form of retaliation, retribution or adverse action.

How to Whistleblow?

Genuine concerns on improper conduct may be raised in a written format via the (Whistleblowing Form) to the following dedicated channels:

Person(s) Being Reported

  • Any KAF DB employees EXCEPT Head of Compliance, Senior Manager, Human Resource and Chairman of the Board Audit Committee. 

  • KAF DB’s vendors and its staff.

  • Head of Compliance;

  • Senior Manager, Human Resources.

  • Head of Compliance

  • Senior Manager, Human Resources.

Designated Person(s)

  • Chairman of the Board Audit Committee

  • Chairman of the Board of Directors

  • Chairman of the Board Audit Committee

Submission Channels

1. Email:

Complete the whistleblowing form
and email it to kdb.whistleblowing@kaf.com.my

2. Letter:

Please include the relevant form and supporting documents in sealed envelope(s) with indicative labels such as “To be opened by [The Designated Person] only”, addressed to:

[The Designated Person]
KAF Digital Bank Berhad
Level 13, Chulan Tower,
No.3 Jalan Conlay, 50450
Kuala Lumpur.

Note: Please mark the envelope “STRICTLY PRIVATE AND CONFIDENTIAL” and include the relevant form and supporting documents in sealed envelope(s).

Alternatively, the whistleblower may make a disclosure of improper conduct to:

● Bank Negara Malaysia via https://www.bnm.gov.my/whistleblowing-policy; or
● Malaysia Anti-Corruption Commission via https://portaladuan.sprm.gov.my