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	FCA-CONSUMER-DUTY-2026-C-004 Consumer Duty — control 4 UKConsumer Duty — Annual Board Report	OwnerLena Kowalski· Wealth ReviewerTom Whitfield· Internal Audit ApproverChris Adeyemi· Executive	Proposed	—	1 Sep 26
At risk	FCA-CONSUMER-DUTY-2026-C-002 Consumer Duty — control 2 UKConsumer Duty — Annual Board Report	OwnerDavid Okafor· Payments ReviewerNina Bergqvist· Retail Banking ApproverBen Carter· Regulatory Change	Proposed	—	19 Sep 26

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