For nearly a decade, we’ve strived to reinforce a culture based on ethics and execution across our businesses. We have invested in improving controls, including related to risk, compliance and audit, and our progress in these areas is enabling us to safely run and grow our business. In order to become an indisputably strong and stable company, we must ensure that all our employees, at all levels, are held accountable to the highest standards of ethics and professional behavior.
In addition to complying with all applicable laws and regulations, our standards for conduct and culture are communicated and implemented through a variety of methods, including our Code of Conduct, various ethics programs and compliance risk management. We also devote resources to ensuring fair consumer practices through our policies.
We recognize that we must continually work to reinforce ethical practices across our culture. Our focus on ethical decision-making is not the responsibility of just one division or team, but rather is embedded into everyday business activities. As we grow our business, we will continue to evaluate our practices, ensuring that policies and actions drive our mission forward, and identify areas where we can improve.