Loan Application

This is an independent service provided by:

If you see or suspect wrongdoing by a member of staff or elected official speak up.

It’s free, secure and available 24/7.

Contact us Toll Free

1 (844) 854 1994

about your concerns

in confidence.

Whistleblowing

At the Barbados Public Workers’ Co-operative Credit Union Limited, we are committed to conducting business with the highest ethical standards according to applicable laws, rules and regulations. For this reason, we encourage all members, stakeholders, as well as our own employees to always report any suspected wrongdoing or unethical behaviour.

We have partnered with a third party provider to create “Speak Up.” This is a new avenue for members to raise concerns about wrongdoing by anyone who works for or on behalf of the Barbados Public Workers’ Co-operative Credit Union Limited. This includes Employees, Contractors, Board of Directors, Elected Officials or Volunteers.

You can make an anonymous report or give your name and contact details if you choose to. These will not be forwarded to the Credit Union without your permission. If you are unsure of what to write, you can call the free phone number where the operators will log your report for you.

What is Whistleblowing?

Whistleblowing is the mechanism through which members of the Barbados Public Workers’ Co-operative Credit Union Limited can anonymously raise concerns about serious matters and/or misconduct involving the organisation.

When should I Speak Up?

Members are encouraged to speak up when they see or suspect wrongdoing in any of the categories listed below:

Bullying
Defined as offensive, intimidating, malicious or insulting behaviour, an abuse or misuse of power that undermines, humiliates, denigrates or injures the recipient (emotionally or physically).

Discrimination
Involves treating a person or group of people differently because of who they are or because they possess certain characteristics.
Giving and receiving of Gifts/Entertainment
The employee’s acceptance of a gift or favour from someone with whom the group does business for material value in exchange for personal gain.
Intimidation
An individual frightening or threatening an employee to do something that they would not ordinarily do.
Money Laundering
The act or attempted act to disguise the source of money or assets derived from criminal activity. Basically it is the effort to transform “dirty” money, into “clean” money.
Corruption
Is a form of dishonesty or criminal activity entrusted by a person in authority for personal gain? May include bribery or embezzlement.

Bribery
The giving or receiving of a financial or other advantage in connection with the "improper performance" of an employee in a position of trust, or a function that is expected to be performed improperly in good faith.
Anti-Competition
Repetitive non-substantiated use of one vendor over another.
Fraud
Wrongful or criminal deception intended to result in financial or personal gain for the alleged perpetrator.
Breach of Company Policy
Occurs where an employee does NOT follow the rules, policies or procedures whilst transacting business on behalf of companies within the Group.
Confidentiality or Privacy Issue
Breach of confidential information obtained for business purposes only.
Service Quality/Delivery Issue
Customer dissatisfaction with service received from Company’s within the Group.

What Can I Speak Up About?

The following information can be useful:

the names of any individuals involved in the misconduct
any key dates you know about
the type of wrongdoing and who else knows about it
the ‘how’, ‘what’ and ‘where’ as well as providing any supporting documents or evidence.

When logging your concern, please be as clear as possible and ensure your language confirms the facts above and does not contain any profane language.

You don’t need to give us your identity or contact details, although it would make it easier if we need to clarify things or ask for further information, we will update the case through the website, which you would access using the access code you receive.

What Other Avenues?

Incidents of anti-money laundering that involves the head of the Compliance department should be reported in writing to the Financial Intelligence Unit at P.O. Box 1372 Bridgetown.

How do you ensure anonymity and confidentiality?

Unless the person making the report specifies that they are happy for Expolink to pass on their details to the Credit Union, the company will not receive any contact information on the reporter. Where a report is made by telephone, the caller’s number is not captured by Expolink. Where a report is made using the web service, the whistleblower’s IP or email address is also not captured. Anonymous reporters are provided with a unique Case Number, which is required to receive updates.

How can I Speak Up?

There are three (3) methods to Speak Up!

Mobile App

Download the “SpeakingUp” app and enter the following access code: bpwcculexternal to speak up. You can make an anonymous report or give your name and contact details if you choose to. These will not be forwarded to the Credit Union without your permission.” Below the app icons.

Website

You can Speak up Here. You can make an anonymous report or give your name and contact details if you choose to. These will not be forwarded to the Credit Union without your permission.

Hotline Number

You can contact the toll free number at 1 844 854 1994. You can make an anonymous report or give your name and contact details if you choose to. These will not be forwarded to the Credit Union without your permission.

How Can I Get Updates?

Once a disclosure has been made, the reporter is provided with a unique Case Number which becomes their identity and is used to access a response or to leave further feedback. Reporters are asked to make further contact after a period of time by logging onto the Website and quoting his/her Case Number to check on the progress of his/her report. Here, they can also provide additional information as needed for the investigation to be completed.

Who is Expolink?

Expolink is a company that provides a whistleblowing service. The telephone line, email address and mobile app are all administered by Expolink. They do not track IP addresses and will log your concerns anonymously if you desire – it’s your choice.

Your report will be routed for investigation. Please note – persons who are named in any incident, will not have access to the submitted report.