Okay, it's a couple of minutes past the hour, so hello everyone, and welcome to today's webinar hosted by me, Stephen Taylor, chief commercial officer at MyComplianceOffice. And Liz Hornby who is principal learning consultant at Eukleia. Today's webinar is titled The Senior Managers and Certification Regime: Five Lessons Learned from the Banking Sector. Today's presenter, Liz Hornby, is a barrister and worked for the stock exchange before compliance rules at Nomura and Goldman Sachs. Then after 15 years as a compliance consultant, Liz joined Eukleia as a principal learning consultant. She is now deputy chairman of the CISI compliance forum committee and is undertaking a PhD on whistleblowing. We're delighted to have her with us today. 

A few housekeeping items before we continue. Please note that the slides from today and a video recording of this session will be made available on our website. You will receive and email from us in the coming days with a link to download these resources. Also, if you have any questions, please feel free to send them through on the chat box, and we'll do our best to address those questions at the end of the session. I'm not going to pass the presentation on to Liz, who will start today's webinar. Thank you, Liz. 

Thank you, Stephen, and good afternoon everyone, and thanks for joining the webinar this afternoon. As you can see from the slide, I've broken up the material into three parts. The first one, we're going to start with a very brief introduction of the Senior Managers and Certification Regime, just to really give us a little bit of background and a bit of context. The main part of the session is going to be on the five lessons learned. I'm hoping that they're going to be of interest to people who are already in the regime, so those people who have embedding the regime within their businesses over the last, well just over a year now, and as well as those people who are going to be caught by the regime during the course of 2018. Obviously, the precise time table for that is not yet clear. Then finally, we're going to finish with a brief look at the application of the individual conduct rules. I know that this is an area that has causes quite a lot of concerns and questions within the industry, so we'll look at some of the questions around that towards the end of the session. 

This webinar was co-hosted with Eukleia.com