A definitive guide to Understanding, managing and monitoring culture risk, conduct risk and risk culture. There are four generally accepted root causes of all risk. These are People, Processes, Systems and External Events. “People” involves risk that arises from our employees, the majority arising from decisions our people make and, more generally, how they behave. This risk is driven by, and manifests in, organisational culture and conduct. This eBook is focussed on the effective management of culture and conduct related risks, being Culture Risk and Conduct Risk. It also specifically addresses Risk Culture as a sub component of Culture.