Managing the accounts, products and services (including any financial instruments) taken out by you or by our business and institutional customers (of whom you are a staff member, shareholder, beneficial owner or customer – for instance, in relation to cash management):
For Natixis, this means recording and updating information about account holders and the operating features of their accounts, managing data on the monitoring of activities in relation to financial instruments, and keeping accounts more generally (regular statements, extracts and summaries, transaction stops, issuing cheque books, bank details slips and certifications).
Natixis also processes Data needed to provide you with the products and services you request. This includes the making, administration and performance of contracts, as well as providing assistance and handling your requests in this regard.
Managing transactions and cash flows
For Natixis, this means managing Data about account transactions: deposits and withdrawals (cash, cheques, transfers, direct debits, card transactions and other movements of funds), while managing the quality of sales transactions with our customers in relation to our ISO certification.
This includes trade finance transactions, transaction data exchanged via our portals, transfers and direct debits in euros, electronic money tools and international currency payments more generally, as well as providing assistance and handling your requests in this regard.
Providing virtual content, information and recommendations (for instance in relation to capital markets)
For Natixis, this means enabling you to have secure online access to information whenever you sign up for a product.
Fulfilling our legal and regulatory obligations
For Natixis, this means detecting actions that are carried out in relation to anomalous or inconsistent activities or activities that have been indicated as potentially relating to fraud. Such actions may include, for instance, submitting a false payslip or false proof of identity, providing contradictory information, or inconsistencies in relation to the place of a transaction etc.
The security measures in place also include managing alerts (which involves making verification checks or requesting explanations or documentary evidence) and drawing up lists of persons duly identified as the perpetrators of acts considered to be external fraud or attempted fraud.
Financial markets regulations require Natixis to record all discussions by its traders and bankers, particularly those with customers.
For Natixis, this means detecting atypical behaviour that may constitute money-laundering transactions and to report such behaviour to the regulators where a strong suspicion exists. This includes collecting personal data about managers, shareholders and beneficial owners.
The automatic exchange of banking and financial information requires financial institutions to have procedures and a systematic data transmission system for non-resident customers.
Monitoring transactions by managers in order to detect potential market price manipulation or insider trading.
Natixis may be required to report its lobbying activities and deal with whistleblowing, including as a whistleblower itself.
Ensuring IT security, defending our rights and developing products or services, including
Natixis employs authentication mechanisms and cybersecurity measures that involve processing Data in relation to access to its websites or web applications.
Natixis may use Data in the context of complaints, disputes, lawsuits, corporate restructuring measures or other merger-related transactions.
Natixis keeps a log of its interactions with customers and potential customers, and records and manages sales transactions and marketing campaigns. Natixis also manages its communication activities (surveys, Invitation to events, electronic greetings cards).
Natixis needs to know its market in order to communicate better with its customers and identify their needs. We aggregate customer Data for reporting and statistical analysis purposes in order to develop our market.
Audits are carried out by the General Inspection department of Natixis or BPCE with the aim of managing risk and ensuring the compliance of Natixis operations. This may involve processing customer Data.