Governance

Who decides, and on what

Zantray Transfert has its own governing bodies. The final composition is settled in the articles and governance documents; the target structure is already set out.

BodiesBoard and general management

DirectoratesNine

CommitteesNine

AutonomyOperational, under group control

Two bodies

01Board of directorsSets strategy, approves the budget, oversees management, approves major investments, controls risk, protects BHZK’s interests and supervises compliance.

02General managementRuns day-to-day management, executes strategy, manages staff, handles partner relations, business development and operational supervision.

The nine directorates

General management: Accountable for the company as a whole
Finance: Accounting, treasury, budget, reconciliation, reporting and financial control
Operations: Transfer operations and the network
Compliance: KYC, AML, sanctions, monitoring, controls, regulatory reporting
IT: Platform, cybersecurity, databases, applications, API, backups, continuity
International: Corridor and international partner development
Commercial: Customers, businesses, agents, marketing, network growth
Import–Export: Suppliers, buyers, imports, exports, logistics, documentation
Legal: Contracts, ownership, disputes, legal compliance, external counsel

Specialised committees

Audit committee
Risk committee
Compliance/AML committee
IT and cybersecurity committee
Finance committee
International committee
Import–Export committee
Investment committee
Customer protection committee

Decisions requiring BHZK approval

sale of a substantial part of the company
merger
dissolution
major issuance of securities
major change of ownership
transfer of strategic intellectual property
exceptional indebtedness
disposal of major assets
fundamental change of corporate purpose

Founding principles

Transparency. Separation of funds. Compliance. Security. Accountability. Traceability. Customer protection. International development.

Zantray Transfert’s liability is distinct from BHZK’s, subject to guarantees and obligations expressly assumed. This structure must never be used to circumvent a regulatory obligation.