advocacy and risk § Panel discussions with ExCo members on what risk culture means to them § Virtually delivered training sessions, covering topics including fundamentals of risk management, regulatory engagement, the upstream regulatory agenda, and individual risk management issues such as fraud, information security, credit, conduct and operational risk § ‘How to’ videos posted internally featured employees from across the business talking about what the values mean to them in supporting risk culture, and stories of how teams across all three lines of defence demonstrated the desired values and behaviours to reduce risk and drive better customer outcomes.