• At a high level, could you talk about how you view collaboration, and do you consider it to be important in the current environment in working towards fraud prevention, financial crime detection?

• What are some of the preparation work or key items your organisation is considering in order to have a seamless integration of the AML/CTF proposed reforms, and do you have any tips on how to guarantee a smooth and efficient adoption of new requirements?

• Is your organisation considering the use of Artificial Intelligence into operations, and what are the benefits you see, if at all, in enhancing overall organisational effectiveness?

• Can you discuss some of the changes your organisation is making to proactively detect,