Policy & Training Lifecycle

All Business Units All Risk Tiers All Domains Last 365 Days

Policy Coverage Gap

3.2%

−4.9pp

Stale Policies

14 of 187

−5 from peak

Training Completion

97.3%

+1.1pp

Comprehension Score

82.4%

+0.8pp

Behavioral Impact

0.79

−0.15

Attestation Lag

9.2 days

−8.8 days

Policy Lifecycle Flow

Training Completion vs Comprehension by Department

Behavioral Impact Ratio Trend (12 Months)

Training Overdue Heatmap — Department × Course

BSA/AML

Fair Lending

Privacy

Conduct

Cyber

Sanctions

Market

Complaints

Retail Banking

1.2%

0.8%

3.1%

1.9%

2.1%

1.6%

0.5%

1.3%

Wealth Mgmt

4.2%

6.8%

3.9%

7.1%

3.4%

4.7%

2.1%

3.2%

Capital Markets

0.9%

1.1%

1.4%

0.6%

1.8%

1.3%

0.4%

2.2%

Insurance

2.3%

3.7%

8.2%

4.1%

3.3%

2.8%

1.9%

4.6%

Payments

12.4%

9.1%

14.2%

8.7%

7.9%

11.3%

5.2%

9.8%

Operations

3.8%

4.2%

5.1%

3.4%

2.7%

3.9%

2.3%

4.8%

Regulatory Change-to-Policy Update Cycle Time (18 Months)

Policy Exception Aging

Culture Score — Retail Banking

Culture Score — Wealth Mgmt

Culture Score — Payments

Stale Policy Register

Policy ID	Policy Name	Domain	Last Approved	Review-By	Days Stale	Reg Changes	Owner	Status
POL-FL-023	Fair Lending Risk Assessment	Fair Lending	2023-05-14	2024-05-14	203	4	J. Martinez	Not Started
POL-BSA-007	SAR Filing Procedures	BSA/AML	2023-08-22	2024-08-22	158	2	A. Chen	Revision Drafted
POL-PRI-012	Customer Data Retention	Privacy	2023-09-11	2024-09-11	131	3	R. Patel	Under Review
POL-CON-019	Conflicts of Interest	Conduct	2023-10-05	2024-10-05	107	1	M. Kim	Pending Approval
POL-OPS-034	Operational Incident Escalation	Operational Risk	2023-11-18	2024-11-18	78	2	L. Johnson	Under Review
POL-BSA-015	CDD Enhanced Due Diligence	BSA/AML	2023-12-03	2024-12-03	66	1	A. Chen	Revision Drafted
POL-PRI-008	Third Party Data Sharing	Privacy	2024-01-09	2024-07-09	53	2	R. Patel	Not Started
POL-CON-027	Employee Trading Policy	Conduct	2024-02-14	2024-08-14	44	1	M. Kim	Pending Approval