On 18 November 2015, the CBI Director of Insurance Supervision, Sylvia Cronin, spoke on culture and governance at the Institute and Faculty of Actuaries' life assurance conference.   Key points highlighted include that (a) business success begins in the Boardroom, by ensuring appropriate Boardroom dynamics, governance structures, culture and behaviours ad (b) identifying core customer needs and delivering better quality consumer outcomes should lead to a more sustainable level of shareholder return.