The rough road to reform in 2015

Cultural change will be on the agenda in 2015 – and it won't be easy

Alexander Campbell

This time last year, we expressed the hope that the 2015 Top 10 operational risk list would contain fewer examples of tiny failures growing into major problems than the 2014 list did. We should, perhaps, have been careful what we wished for. The theme of this year's list, as far as there is one, is not neglect, but cultural failure. Over the course of 2014, one report after another has hammered on the theme that the banking industry, especially in the UK and the US, underwent fundamental

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