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 evaluate the materiality of risks across the enterprise. The team conducts top-down and bottom-up reviews across all headline risk areas, identifying emerging risks and prioritized risks for in-depth analysis. Top-down reviews involve one-on-one meetings with every member of the Senior Leadership Team and select group Area Vice Presidents to obtain a bottom-up review focused on a given headline risk.