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  "documentTitle": "Risk management in transformation",
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      "text": "CROs have confidence that the first and second lines of defense are working well.",
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      "text": "Figure 27. In what areas do you think you will accelerate your digital transformation of the second line of defense/risk management?",
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      "text": "Figure 29. What risk management activities are the first-line risk and control functions responsible for?",
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      "text": "Figure 28. How would you rate the level of interaction and collaboration between the three lines of defense, particularly between the first and second lines of defense, within your organization?",
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      "text": "Cost reduction will be a priority. Market signals are pointing us to a more careful cost control model and simplified ways to interact across business units.",
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      "text": "There is a symbiotic relationship between actuarial and risk to better support growth and innovation. Our mindset is, 'If we are taking risk for the customer, the best place to understand the risk is where we price it.' We are constantly balancing that formula by having risk and finance work together.",
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