Failure Mode #1: Overlapping Ownership If work around the core feels heavier than it should, overlapping ownership is often where the problem begins. Overlapping Ownership Over time, many bank processes evolve to involve more and more groups - operations, risk, compliance, line of business, audit. Each group touches the work. Each has a valid reason for being there. And yet, no one truly owns the outcome. On the surface, overlapping ownership feels responsible. More visibilit