Time For Change Means Different Strategy Or VaryFinancial Institutions in 2014 are faced with a potentially overwhelming mix of regulatory obligations from national, pan-European and global bodies. To meet these requirements alongside internally driven requirements and managing legacy issues, requires a high degree of organization, joined up thinking and change management capability. The challenges to the industry are to lift the fog; identify what is paramount; focus on key strategic priorities and manage, coordinate, plan and implement change effectively. All of this requires firms to have leadership, risk, internal audit, operations and change skill-sets engaged and involved.