I think, as Ms. Johnson alluded to, it's a really great way to ensure that there is the chilling effect that other stakeholders have talked about, the concerns that employees have from a privacy perspective as well as from a fear of reprisal perspective.
In terms of the concerns they have about coming forward, a lot of that, if not all of it, is taken away with the anonymous tip line. Information is disclosed about the person who is being accused—not necessarily, but it is disclosed. The complainant can stay anonymous, and the investigation can proceed in the background. In most cases the employee ombudsman's office reports directly to the president and CEO. Again, that independence through the lines of business, including the person's own business, is extremely helpful.
There are other ways in which privacy, confidentiality, and fear of reprisal are managed at the banks, but for the particular function you're talking about, that's the general outline.