accountability,
            
              regulatory strategy,
            
              SM&CR,
            
              SEAR,
            
              Ireland,
            
              UK
            
          
        
        "We believe that our proposed reforms will create a framework to facilitate the embedding of cultural change and ensure greater individual accountability." Derville Rowland, Speech on SEAR and Individual Accountability Framework, 2 May 2019
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              governance,
            
              accountability,
            
              SM&CR,
            
              MIC regime,
            
              FAR,
            
              BEAR,
            
              SEAR
            
          
        
        Since the financial crisis of 2008 regulators worldwide have been introducing reforms to improve individual accountability within firms. Regulators were criticised for their lack of action and not preventing the crisis. Further criticism was aimed at firms’ failings...
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