Board Board Sub–committees Management Committee / Risk Forums First Line of Defence Risk & Control Ownership Third Line of Defence Risk & Control Ownership Second Line of Defence Risk Oversight (Risk & Compliance functions) Support and Challenge Validate and Challenge 1 LoD & 2LoD Design, implement and maintain effective prodedures and controls Set overall framework, provide advice, oversight and challenge Provide independent assurance to the Board Serving across all three lines of defence External Audit Regulators 59 OUR YEAR AT A GLANCE OUR PEOPLE GOVERNANCE FINANCIAL STATEMENTS
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