Risk management is not a department. After three intensive sessions of the Fintech Risk Workout, the single most important takeaway is clear: successful risk management relies on culture, not compliance. Our team members, Artūrs Plits and Laura Martinaitytė, concluded their training last week, synthesizing measurement, and implementation into a holistic model. The Three-Session Journey: From Theory to Value Over three sessions, we moved from the outdated view of risk as a compliance burden and redefined it as a tool for