Whistleblowing Policy and Procedure

Credit Counselling Singapore (CCS) is committed to a high standard of compliance with accounting, financial reporting, internal controls, corporate governance and auditing requirements, and any legislation relating thereto.

A.   Objective

The Policy provides a framework for CCS employee and the public to report on observed improprieties that involve CCS employees, members, volunteers, contractors, business partners and/or vendors, without fear of adverse consequences.

The Policy enables the Company to address such reports by taking appropriate actions, including disciplinary actions such as terminating the employment and/or services of those responsible.

The Policy is not an avenue for filing personal grievances in the workplace; to file for such matters, employees are to refer to the Grievance Policy & Procedure as stated in the Staff Handbook.

B.   Reporting Channels

Email: whistleblow@ccs.org.sg

The WhistleBlow email account will be monitored by the Whistle-Blowing Investigation Officer (WBIO).



Attention to Whistle-Blowing Investigation Officer (WBIO)

Credit Counselling Singapore
51 Cuppage Road
Singapore 229469

C.   Types of Improprieties

Reportable improprieties include but not limited to the following:

1.   Abuse and misrepresentation of power and authority

2.   Corruption & bribery

3.   Discrimination

4.   Failure to comply with laws and regulations

5.   Forgery

6.   Fraud

7.   Harassment

8.   Misappropriation of funds

9.   Theft

10.   Any other criminal act


D.   Procedure

Please provide the following information when reporting the impropriety:

1.   Name(s) of person(s)/company(ies) involved;

2.   Date, time and location of incident;

3.   Period of time the impropriety had been perpetuated;

4.   Value of any money or assets involved;

5.   Physical evidence; and

6.   Any other information that may substantiate the concern.

E.   Protection and Confidentiality

The informant is strongly encouraged to provide their name and contact numbers to facilitate investigations. To the extent feasible and permissible under the law, CCS will keep the identity of the whistleblower confidential.


F.   Review

The Whistle Blowing Policy and Procedure will be reviewed periodically for relevance and appropriateness.

Last updated: 1 July 2020