Policy on AML/CFT/CPF

 

1. The MS&AD Insurance Group (hereinafter referred to as the “Group”) recognizes that money laundering, terrorist financing and proliferation financing are a serious threat to a sound financial system, therefore, complies with relevant laws and regulations, such as “Act for Prevention of Transfer of Criminal Proceeds”, and establishes and maintains appropriate management systems.
    
2. AML/CFT/CPF are strongly affected by the international situation changing day by day, and the responses of financial institutions etc. that evolve in line with changing situation. The Group responds flexibly to these trends and changes in risks, while at the same time, the Group identifies and evaluates its own exposure to various risks and maintains effective management systems by adopting risk-reduction measures commensurate with risks. In addition, the Group regularly verifies the effectiveness of the measures related to AML/CFT/CPF and reviews our management systems in light of verification outcomes.
    
3. The Group does not allow the products and services it provides to be used in money laundering, terrorist financing or proliferation financing. To that end, the Group will develop organizational structures and regulations, and through training for officers, employees, and agents, the Group will strive to raise awareness of the importance of the measures related to AML/CFT/CPF.