Governance Operating Model

Summary
This page explains what a right-sized governance model should look like for growing banks. It should make clear that good governance is not enterprise bureaucracy forced onto smaller institutions, but a practical structure for ownership, decision-making, and accountability that becomes more formal as the bank scales.

Outline

• Why operating model matters more than policy language alone
• Governance principles for growing banks
• Stage-based operating model by AUM band
• Core elements:
  • ownership and accountability
  • roles and responsibilities
  • governance forums and cadence
  • decision rights and escalation
• How the model evolves from informal to federated to enterprise-risk aligned
• Example visuals:
  • operating model diagram
  • RACI / role summary
• Embedded assets:
  • role cards
  • charter example
  • decision rights framework