TML's zero-tolerance approach to bribery and corruption, across our branches, staff, agents and business partners.
Last updated: 04 November 2026
This Anti-Bribery and Corruption Policy sets out TML Remittance Center Sdn Bhd's ("TML", "we", "us" or "our") zero-tolerance approach to bribery and corruption in any form. As a Money Services Business licensed and regulated by Bank Negara Malaysia (MSB Licence No. 00455), maintaining the integrity of our remittance, money exchange and wholesale currency services is fundamental to the trust our customers place in us. This policy should be read together with our Whistleblowing Policy and Disclaimer.
TML is committed to conducting business fairly, honestly and in full compliance with the laws of Malaysia, including the Malaysian Anti-Corruption Commission (MACC) Act 2009 (including corporate liability provisions under Section 17A) and applicable Bank Negara Malaysia regulatory requirements. We do not offer, give, solicit or accept bribes in any form, and we expect the same standard from everyone who works with or for us.
This policy applies to TML's directors, management and employees at all branches, as well as authorised agents, contractors, suppliers and any other third party acting on TML's behalf, regardless of seniority or location.
Bribery is offering, promising, giving, requesting or accepting a financial or other advantage in order to improperly influence a decision, or to induce or reward the improper performance of a role or function. This includes, but is not limited to:
Modest, occasional and transparent gifts or hospitality exchanged in the normal course of business (for example, a small festive gift) are not prohibited by this policy, provided they are proportionate, not given or received in secret, and are not intended - and could not reasonably be seen as intended - to improperly influence a business decision. Employees and agents must never accept cash or cash equivalents, and should decline or refer to management any gift or hospitality that raises doubt.
TML does not make or accept "facilitation payments" - small, informal payments made to speed up or secure a routine action (such as processing a transaction, waiving a required check, or expediting an approval) that someone would otherwise be entitled to as a matter of course. This applies regardless of local custom.
Any donation or contribution made in TML's name - whether political or charitable - must be legal, properly authorised, transparent, and must never be used as a means of concealing bribery or gaining improper business advantage.
TML expects the same standard of integrity from our authorised agents, business partners, contractors and suppliers as we hold ourselves to. Where appropriate, we conduct due diligence before entering into a business relationship, and reserve the right to end any relationship where bribery, corruption or related misconduct is identified.
All payments, gifts, hospitality and business expenses relating to TML must be accurately recorded and made through proper, transparent channels. Off-the-books payments, or transactions structured to disguise their true nature, are strictly prohibited.
Bribery and corruption controls work hand-in-hand with TML's Anti-Money Laundering / Counter-Financing of Terrorism (AML/CFT) programme and Know-Your-Customer (KYC) procedures. Employees and agents must never bypass, waive or manipulate a required compliance check - including customer verification, transaction screening or reporting obligations - in exchange for any benefit, or as a favour to a customer, agent or colleague.
Anyone who suspects an actual or potential breach of this policy - whether an employee, agent, business partner, customer or member of the public - is encouraged to report it under our Whistleblowing Policy, in confidence and without fear of retaliation.
Breach of this policy is treated as a serious matter. For employees, it may result in disciplinary action up to and including termination. For agents, contractors and other third parties, it may result in termination of the business relationship. Bribery and corruption are also criminal offences under Malaysian law and may be reported to the Malaysian Anti-Corruption Commission (MACC) or other relevant authorities where appropriate.
This policy is reviewed periodically to ensure it remains effective and consistent with applicable laws and regulatory expectations. The latest version will always be published on this page with its effective date.
For any questions about this policy, please contact us: