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Risk underpins everything in financial services from the price of products to the proposition offered to customers. Therefore, organizations that assess, balance and manage it effectively and efficiently can expect to achieve better returns on equity, grow their customer base and enhance the value of their brand.This paper focuses on the task of building and maintaining an effective risk management framework, which can address the challenges of the current operating environment. Specifically, this paper concentrates primarily on operational and regulatory risk related to consumer harm, however, these same principles can be applied to other risk types as well.Read the white paper to see how best to maintain effective risk management and view the companion video interview on the same topic.