The organization's risk management structure is designed to promote effective governance and risk management that is systematic, transparent, credible, timely, and verifiable through clear delineation and execution of key roles and responsibilities. In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.