(a) Risks to the licensee's resources and reputation from employees and agents (due to fraud, negligence etc);

(b) Adequacy of management information;

(c) Failure of information technology through breakdown, incompatibility of legacy systems and poor scalability, poor security, etc.;

(d) Failure of processes and procedures;

(e) Internal and external fraud;

(f) Outsourcing risk (for more detail, see RM-7);

(g) Resourcing levels;

(h) Business continuity and disaster recovery; and

(i) Reputational risks and the risk to the licensee's business from an undermining of consumer confidence in particular market segments, e.g. savings products.