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  "documentTitle": "Risk in review Managing risk from the front line",
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      "text": "1. Agreed or strongly agreed that their business units (i.e. the first line of defence) have adequate authority, resources, and executive-level support to manage risks effectively\n2. Agreed or strongly agreed that moving certain risk management responsibilities to the first line makes their companies better at anticipating and mitigating negative risk events\n3. Currently manage risk decisions at the front line for at least 6 of 12 surveyed risk areas\n4. Are more likely than overall respondents to have a defined and well-communicated risk appetite framework and to make key risk management decisions within that framework\n5. Are more likely to budget adequately for risk management, utilize technology to aggregate risk across the organisation, create a strong risk culture that embeds risk management in day-to-day operations, and exhibit strong strategic partnership between the three lines of defence",
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