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Core Viewpoint - The banking industry is undergoing a restructuring of risk prevention and compliance management systems, driven by stricter financial regulations and increasing complexity of industry risks, leading to an accelerated appointment of Chief Compliance Officers (CCOs) and Chief Risk Officers (CROs) [1][2] Group 1: Appointment Trends - In recent months, nearly 10 banks have intensified the hiring of CCOs and CROs, with over 20 banks and branches receiving regulatory approval for relevant positions since the beginning of 2025 [2] - The appointment of these two key positions reflects the dual drivers of industry risk prevention needs and regulatory guidance, as banks face increasing pressure from non-performing asset management and new risks associated with financial technology [2][3] Group 2: Role Differentiation - The roles of CCOs and CROs have distinct responsibilities; CCOs focus on ensuring compliance with laws and regulations, while CROs manage various operational risks such as credit and market risks [4][5] - The establishment of these roles aims to address the need for specialized governance within banks, with CCOs ensuring adherence to external rules and CROs managing uncertainties in operations [4][5] Group 3: Governance Models - Two governance models are emerging: "one person holding both positions" and "separate positions," each with its advantages and disadvantages [5][6] - The "one person" model emphasizes decision-making efficiency and is suitable for smaller banks, while the "separate" model allows for specialized oversight and is better for larger, more complex banks [6] Group 4: Talent Requirements - The effective functioning of CCOs and CROs relies on the availability of composite talent, characterized by frontline business experience, cross-regional perspectives, and professional qualifications [7][8] - The current supply of such composite risk and compliance professionals is limited, necessitating banks to develop internal training and rotation mechanisms to cultivate talent [8]