Debate: Effectively Managing Culture and Conduct Across the 3 Lines of Defence
Conference
2025-03-19 | 03:05 PM - 03:55 PM
Information
- How should the roles and responsibilities of each line of defence be appropriately defined to ensure improved accountability? What impact does this have on firms' ability to assess and influence culture?
- What practical steps can organisations take to foster further collaboration between the three lines of defence when addressing culture and conduct issues?
- What strategies can firms implement to reduce redundancy and ensure a streamlined, unified approach across the three lines?
- What best practices can be adopted to ensure culture assurance and audits are actionable and drive meaningful change?
Moderator: Dr Roger Noon, Senior Moderator, 1loD
Panellists:
- Javier Muñoz del Guayo, Managing Director, Chief Compliance Officer Europe, SCIB Compliance, Santander
- Nina Joubert, Managing Director, Global Head of Business Risk, State Street
- Anna Koczwara, Managing Director, Global Head of Culture & Behavioural Insights, Citigroup
- Birthe Mester, Managing Director, Global Head Behavioural Insight & Culture Change, Deutsche Bank
- Christopher Spedding, Chief Auditor, Retail Banking & Behavioural Risk, NatWest Group
Speakers

Javier Muñoz del Guayo
Santander
Managing Director, Chief Compliance Officer Europe, SCIB Compliance

Nina Joubert
State Street
Managing Director, Global Head of Business Risk

Anna Koczwara
Citi
Managing Director, Global Head of Culture & Behavioural Insights

Birthe Mester
Deutsche Bank
Managing Director, Global Head Behavioural Insight & Culture Change

Chris Spedding
NatWest
Chief Auditor, Retail Bank & Behavioural Risk