Duane will discuss the use of the Account Acceptance Reviews, Post-Initial Acceptance Reviews, Annual Investment Reviews and the Account Administrative Reviews as the four lines of defense in controlling risk, increasing compliance and improving client service levels. The session will cover; frequency, coverage, content, documentation and account risk-ranking. Best practices will be discussed along with some ideas for efficiencies and effectiveness. The session will include as a foundation Reg 9, OCC Bulletins and interpretations from the FRB and FDIC.