"Our biggest challenge, and a critical priority internally, is how we can create a better, simpler working environment for colleagues. It means we need to eliminate unnecessary bureaucracy and improve technology so that simple tasks truly are simple. That's why Scott Powell launched Simplifying Santander – to identify barriers that get in the way of your success – and then removing those barriers so you can deliver your best. Improving onboarding, training and career pathing programs so that every colleague who chooses a career at Santander understands how we can help them grow are other ways we are becoming a more Simple, Personal and Fair bank. Some initiatives are coming to life faster than others but I am really excited about the progress we are making and the priority by every member of the leadership team to making Santander a simpler place to work."