The Internal Audit Department (IAD) at Charles Schwab provides independent and objective assessments to determine whether significant risks are identified and appropriately reported to the Board and Executive Management, to evaluate whether risks are adequately controlled, and to support governance, risk management, and internal controls through effectively challenging Management. Evaluate not only audit execution quality, but also the effectiveness of audit coverage, risk identification, and overall assurance provided across audit types, including technology, operational, financial, and regulatory compliance audits, applying independent judgment and professional skepticism.