M3 — Confirm

Controls, evidence, independence — regulator-defensible by default.

Every control has a named owner, an independent reviewer and an approver. Same-team overlaps are flagged automatically; blocking conflicts stop sign-off.

Controls in flight

Ready for evidence

Evidenced

Independence issues

JurisdictionAll UK EU US CA SG HK AU UAE GLOBAL

StatusAll Proposed In design In test Ready Evidenced Approved

Independence issues only

RAG	Control	Owner · Reviewer · Approver	Status	Evidence	Due
Not started	HMT-CRYPTO-2026-C-002Check HMT Cryptoasset Regime — control 2 UKHMT Cryptoasset Regime — Perimeter	OwnerDavid Okafor· Payments ReviewerNina Bergqvist· Retail Banking ApproverAlex Novak· Retail Banking	In test	—	18 Jul 26
On track	PRA-OP-RES-2026-C-006Check Operational Resilience — control 6 UKOperational Resilience — Impact Tolerances Refresh	OwnerDavid Okafor· Payments ReviewerNina Bergqvist· Retail Banking ApproverAlex Novak· Retail Banking	In test	—	26 Jul 26
At risk	FCA-CONSUMER-DUTY-2026-C-006 Consumer Duty — control 6 UKConsumer Duty — Annual Board Report	OwnerPriya Desai· Global Markets ReviewerNina Bergqvist· Retail Banking ApproverRohan Patel· Change	In test	—	28 Jul 26
Not started	FCA-CONSUMER-DUTY-2026-C-008 Consumer Duty — control 8 UKConsumer Duty — Annual Board Report	OwnerLena Kowalski· Wealth ReviewerTom Whitfield· Internal Audit ApproverBen Carter· Regulatory Change	In test	—	3 Aug 26
On track	HMT-CRYPTO-2026-C-001Check HMT Cryptoasset Regime — control 1 UKHMT Cryptoasset Regime — Perimeter	OwnerDavid Okafor· Payments ReviewerArjun Menon· Payments ApproverRohan Patel· Change	In test	—	10 Aug 26
At risk	HMT-CRYPTO-2026-C-006 HMT Cryptoasset Regime — control 6 UKHMT Cryptoasset Regime — Perimeter	OwnerAmelia Hart· Retail Banking ReviewerMarcus Lin· Risk ApproverChris Adeyemi· Executive	In test	—	19 Aug 26
Off track	HMT-CRYPTO-2026-C-005 HMT Cryptoasset Regime — control 5 UKHMT Cryptoasset Regime — Perimeter	OwnerYuki Tanaka· Operations ReviewerArjun Menon· Payments ApproverBen Carter· Regulatory Change	In test	—	25 Aug 26
Off track	FCA-CONSUMER-DUTY-2026-C-012 Consumer Duty — control 12 UKConsumer Duty — Annual Board Report	OwnerYuki Tanaka· Operations ReviewerTom Whitfield· Internal Audit ApproverAlex Novak· Retail Banking	In test	—	12 Sep 26
At risk	FCA-CONSUMER-DUTY-2026-C-010 Consumer Duty — control 10 UKConsumer Duty — Annual Board Report	OwnerPriya Desai· Global Markets ReviewerMarcus Lin· Risk ApproverRohan Patel· Change	In test	—	28 Sep 26
On track	PRA-OP-RES-2026-C-005 Operational Resilience — control 5 UKOperational Resilience — Impact Tolerances Refresh	OwnerLena Kowalski· Wealth ReviewerArjun Menon· Payments ApproverChris Adeyemi· Executive	In test	—	29 Sep 26

Showing up to 80 controls. Filter by jurisdiction, status or independence to narrow.