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      "text": "Firms should not consider this in isolation, or as a 'one off' exercise - the governance and culture agenda continues to be an ongoing, permanent fixture of FCA supervisory focus.",
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      "text": "Insufficient understanding and evidencing of reasonable steps to avoid a contravention from occurring or continuing. Insufficient/ineffective training for Senior Managers to enable a complete understanding of their duty of responsibility. Failure to anticipate an increased demand by Senior Managers for more support/information to discharge their responsibilities. Lack of evidence to demonstrate what a conduct breach might look like and how this might link through to disciplinary proceeds. Failure to embed handover procedures. Insufficient tailoring of the conduct rules training to specific jobs that staff perform. Failure to evidence the effectiveness of the assessment approach for the certification population, including use of subjective judgement and consistency in application.",
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