At the company level, Wm employs an enterprise risk management Erm process that involves senior leaders and subject matter experts from all major divisions to assess the materiality of all risks across the enterprise. This process involves conducting top-down and bottom-up reviews across all headline risk areas, identifying emerging risks, and prioritizing risks for in-depth analysis. Top-down reviews involve meetings with every member of the Senior Leadership Team and select group Area Vice Presidents to obtain a bottom-up view of risk. These reviews are conducted in workshop format.