There are a couple of things. We always need to be conscious about.... You used the words “tax havens”. I would say that RBC does not operate in any tax havens, which I look at as jurisdictions that don't ascribe to FATF rules around transparency and sharing of information.
RBC ensures that each of our global subsidiaries is adhering to the RBC global standard by regular audits and tests, taking resources centrally from here in Canada to test what takes place in those units.
On top of that, when we look at rules, such as many of the members here have, ultimately the reason all of us have jobs from a global AML perspective is to ensure the exact question you've asked, that those international units are adhering to the standards that we adhere to globally.