When a bank gets that high level of rapport, it can embody the spirit of ERM—risk culture throughout the organization, with every employee held accountable to managing risk in their own areas. “Whether you’re an executive leader or a teller, what can you do to mitigate risk in your area?” as Piger puts it. “If you’re a branch teller, maybe it’s letting [the]BSA/AML fraud [department]know of a suspicious customer. That might be your biggest avenue of mitigating risk. [It’s] a huge avenue for instilling that risk culture.”