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And a good starting point in understanding culture is to look to employees.

“Speak to your employees, ask them what it’s like to work here,” compliance consultant Branko Bjelobaba advises.

“As long as the organisation espouses diversity and inclusion, understands what that means and there are no hidden unconscious biases to employing people, there isn’t a problem.”

And for anyone who may think this is something that can be delegated to HR, there is unanimity that this is a serious, leadership-level issue and that the FCA will expect firms to treat it as such.

“This should be a board agenda item, not just box-ticking” says Bjelobaba.