In 2014, the industry is likely to get more acclimated to the regulatory climate by moving past remediation issues to focus on instituting strong compliance programs across the organization. In “getting to strong” in their risk management programs, banks should continue bolstering their risk practices and governance.16 According to Deborah Bailey, director, Deloitte & Touche LLP, “2014 will be the year of getting it done, and getting it right.”