<?xml version='1.0' encoding='UTF-8'?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://blog.financialeducation.com.au/dev</loc><lastmod>2021-10-21</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/risking-the-crown</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Responsibility%20is%20everyone%E2%80%99s%20business.jpg</image:loc><image:caption>Responsibility is everyone’s business</image:caption><image:title>Responsibility is everyone’s business</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Four%20Reasons%20You%20Need%20to%20Care%20About%20Climate%20Disclosure.jpg</image:loc><image:caption>Four Reasons You Need to Care About Climate Disclosure</image:caption><image:title>Four Reasons You Need to Care About Climate Disclosure</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/De-risking%20the%20game.jpg</image:loc><image:caption>De-risking the game</image:caption><image:title>De-risking the game</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Regulatory%20Trends%20in%202022-1.png</image:loc><image:caption>Regulatory Trends in 2022-1</image:caption><image:title>Regulatory Trends in 2022-1</image:title></image:image><lastmod>2022-01-18</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/hiking-the-afsl-trail</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/SACCs%20and%20MACCs%20-%20Linkedin%20Post-1.jpg</image:loc><image:caption>SACCs and MACCs - Linkedin Post-1</image:caption><image:title>SACCs and MACCs - Linkedin Post-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/part%202%20thumbnail.jpg</image:loc><image:caption>part 2 thumbnail</image:caption><image:title>part 2 thumbnail</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/BID%20101.png</image:loc><image:caption>BID 101</image:caption><image:title>BID 101</image:title></image:image><lastmod>2020-01-16</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/four-reasons-you-need-to-care-about-climate-disclosure</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Regulatory%20Trends%20in%202022-1.png</image:loc><image:caption>Regulatory Trends in 2022-1</image:caption><image:title>Regulatory Trends in 2022-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/De-risking%20the%20game.jpg</image:loc><image:caption>De-risking the game</image:caption><image:title>De-risking the game</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Four%20Reasons%20You%20Need%20to%20Care%20About%20Climate%20Disclosure.jpg</image:loc><image:caption>Four Reasons You Need to Care About Climate Disclosure</image:caption><image:title>Four Reasons You Need to Care About Climate Disclosure</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Responsibility%20is%20everyone%E2%80%99s%20business.jpg</image:loc><image:caption>Responsibility is everyone’s business</image:caption><image:title>Responsibility is everyone’s business</image:title></image:image><lastmod>2022-03-31</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/afsl-legislation-updates-what-you-need-to-know</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Should%20I%20Stay%20or%20should%20I%20go%20-%20Part%202_v2.png</image:loc><image:caption>Should I Stay or should I go - Part 2_v2</image:caption><image:title>Should I Stay or should I go - Part 2_v2</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/AFSL%20legislation_what%20you%20need%20to%20know-1.jpg</image:loc><image:caption>AFSL legislation_what you need to know-1</image:caption><image:title>AFSL legislation_what you need to know-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/DDO%20and%20PIP-4.jpg</image:loc><image:caption>DDO and PIP-4</image:caption><image:title>DDO and PIP-4</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Do%20you%20know%20the%20do%E2%80%99s%20and%20donts%20of%20marketing%20financial%20services.jpg</image:loc><image:caption>Do you know the do’s and donts of marketing financial services</image:caption><image:title>Do you know the do’s and donts of marketing financial services</image:title></image:image><lastmod>2022-04-28</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/enhancing-capability-and-accountability-in-your-organisation</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Whistling%20While%20You%20Work.png</image:loc><image:caption>Whistling While You Work</image:caption><image:title>Whistling While You Work</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/FAR-out%20Preparing%20for%20the%20new%20accountability%20regime_LinkedIn.jpg</image:loc><image:caption>FAR-out Preparing for the new accountability regime_LinkedIn</image:caption><image:title>FAR-out Preparing for the new accountability regime_LinkedIn</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/The%204%20Ps%20of%20Key%20Person%20Risk.jpg</image:loc><image:caption>The 4 Ps of Key Person Risk</image:caption><image:title>The 4 Ps of Key Person Risk</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Enhancing%20capability%20and%20accountability%20in%20your%20organisation-1.jpg</image:loc><image:caption>Enhancing capability and accountability in your organisation-1</image:caption><image:title>Enhancing capability and accountability in your organisation-1</image:title></image:image><lastmod>2022-02-03</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/would-your-ethics-training-pass-the-sunlight-test</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Whistling%20While%20You%20Work.png</image:loc><image:caption>Whistling While You Work</image:caption><image:title>Whistling While You Work</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/What%20to%20Expect%20When%20You%E2%80%99re%20Expecting%20the%20%E2%80%98Customer%20First%20Duty%E2%80%99.png</image:loc><image:caption>What to Expect When You’re Expecting the ‘Customer First Duty’</image:caption><image:title>What to Expect When You’re Expecting the ‘Customer First Duty’</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Sunlight%20test_linkedin.jpg</image:loc><image:caption>Sunlight test_linkedin</image:caption><image:title>Sunlight test_linkedin</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Reflections%20on%20BEAR-2.jpg</image:loc><image:caption>Reflections on BEAR-2</image:caption><image:title>Reflections on BEAR-2</image:title></image:image><lastmod>2021-07-30</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/getting-living-expenses-right-5-top-tips</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/LinkedIn_Image_Compliance.png</image:loc><image:caption>LinkedIn_Image_Compliance</image:caption><image:title>LinkedIn_Image_Compliance</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Should%20I%20Stay%20or%20should%20I%20go%20-%20Part%202_v2.png</image:loc><image:caption>Should I Stay or should I go - Part 2_v2</image:caption><image:title>Should I Stay or should I go - Part 2_v2</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/part%202%20thumbnail.jpg</image:loc><image:caption>part 2 thumbnail</image:caption><image:title>part 2 thumbnail</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/No%20body%20puts%20RG146%20in%20the%20corner.png</image:loc><image:caption>No body puts RG146 in the corner</image:caption><image:title>No body puts RG146 in the corner</image:title></image:image><lastmod>2019-07-31</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/responsibility-is-everyones-business</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/What%20to%20Expect%20When%20You%E2%80%99re%20Expecting%20the%20%E2%80%98Customer%20First%20Duty%E2%80%99.png</image:loc><image:caption>What to Expect When You’re Expecting the ‘Customer First Duty’</image:caption><image:title>What to Expect When You’re Expecting the ‘Customer First Duty’</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/De-risking%20the%20game.jpg</image:loc><image:caption>De-risking the game</image:caption><image:title>De-risking the game</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Responsibility%20is%20everyone%E2%80%99s%20business.jpg</image:loc><image:caption>Responsibility is everyone’s business</image:caption><image:title>Responsibility is everyone’s business</image:title></image:image><lastmod>2022-05-02</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/part-2-five-top-reasons-to-self-license</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/LinkedIn_Image_Compliance.png</image:loc><image:caption>LinkedIn_Image_Compliance</image:caption><image:title>LinkedIn_Image_Compliance</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Should%20I%20Stay%20or%20should%20I%20go%20-%20Part%202_v2.png</image:loc><image:caption>Should I Stay or should I go - Part 2_v2</image:caption><image:title>Should I Stay or should I go - Part 2_v2</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/To%20self%20licence%20or%20not%20self%20licence.png</image:loc><image:caption>To self licence or not self licence</image:caption><image:title>To self licence or not self licence</image:title></image:image><lastmod>2022-05-27</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/hello-compliance-my-new-friend-2.0</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Hello%20Compliance%20my%20new%20friend.jpg</image:loc><image:caption>Hello Compliance my new friend</image:caption><image:title>Hello Compliance my new friend</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/To%20self%20licence%20or%20not%20self%20licence.png</image:loc><image:caption>To self licence or not self licence</image:caption><image:title>To self licence or not self licence</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Should%20I%20Stay%20or%20should%20I%20go%20-%20Part%202_v2.png</image:loc><image:caption>Should I Stay or should I go - Part 2_v2</image:caption><image:title>Should I Stay or should I go - Part 2_v2</image:title></image:image><lastmod>2022-06-30</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/lead-your-learners-to-cpd-but-can-you-make-them-think</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Contextualising%20Continuing%20Professional%20Development.jpg</image:loc><image:caption>Contextualising Continuing Professional Development</image:caption><image:title>Contextualising Continuing Professional Development</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/To%20self%20licence%20or%20not%20self%20licence.png</image:loc><image:caption>To self licence or not self licence</image:caption><image:title>To self licence or not self licence</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Should%20I%20Stay%20or%20should%20I%20go%20-%20Part%202_v2.png</image:loc><image:caption>Should I Stay or should I go - Part 2_v2</image:caption><image:title>Should I Stay or should I go - Part 2_v2</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Hello%20Compliance%20my%20new%20friend.jpg</image:loc><image:caption>Hello Compliance my new friend</image:caption><image:title>Hello Compliance my new friend</image:title></image:image><lastmod>2022-02-08</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/do-you-know-the-dos-and-donts-of-marketing-financial-services-2.0</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/DDO%20and%20PIP-4.jpg</image:loc><image:caption>DDO and PIP-4</image:caption><image:title>DDO and PIP-4</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/No%20body%20puts%20RG146%20in%20the%20corner.png</image:loc><image:caption>No body puts RG146 in the corner</image:caption><image:title>No body puts RG146 in the corner</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Do%20you%20know%20the%20do%E2%80%99s%20and%20donts%20of%20marketing%20financial%20services.jpg</image:loc><image:caption>Do you know the do’s and donts of marketing financial services</image:caption><image:title>Do you know the do’s and donts of marketing financial services</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/LinkedIn_Image_Compliance.png</image:loc><image:caption>LinkedIn_Image_Compliance</image:caption><image:title>LinkedIn_Image_Compliance</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Painting%20the%20RG234%20picture.png</image:loc><image:caption>Painting the RG234 picture</image:caption><image:title>Painting the RG234 picture</image:title></image:image><lastmod>2022-03-22</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/overcoming-the-illusion-of-complying</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/LinkedIn_Image_Something%E2%80%99s%20missing%20in%20Mortgage%20CPD.png</image:loc><image:caption>LinkedIn_Image_Something’s missing in Mortgage CPD</image:caption><image:title>LinkedIn_Image_Something’s missing in Mortgage CPD</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Do%20you%20know%20the%20do%E2%80%99s%20and%20donts%20of%20marketing%20financial%20services.jpg</image:loc><image:caption>Do you know the do’s and donts of marketing financial services</image:caption><image:title>Do you know the do’s and donts of marketing financial services</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/No%20body%20puts%20RG146%20in%20the%20corner.png</image:loc><image:caption>No body puts RG146 in the corner</image:caption><image:title>No body puts RG146 in the corner</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/LinkedIn_Image_Compliance.png</image:loc><image:caption>LinkedIn_Image_Compliance</image:caption><image:title>LinkedIn_Image_Compliance</image:title></image:image><lastmod>2018-11-07</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/the-4-ps-of-key-person-risk</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Key%20Person%20Risk-1.jpg</image:loc><image:caption>Key Person Risk-1</image:caption><image:title>Key Person Risk-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/The%204%20Ps%20of%20Key%20Person%20Risk.jpg</image:loc><image:caption>The 4 Ps of Key Person Risk</image:caption><image:title>The 4 Ps of Key Person Risk</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Four%20Reasons%20You%20Need%20to%20Care%20About%20Climate%20Disclosure.jpg</image:loc><image:caption>Four Reasons You Need to Care About Climate Disclosure</image:caption><image:title>Four Reasons You Need to Care About Climate Disclosure</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/De-risking%20the%20game.jpg</image:loc><image:caption>De-risking the game</image:caption><image:title>De-risking the game</image:title></image:image><lastmod>2022-03-04</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/top-5-ways-to-mitigate-key-person-risk</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/SACCs%20and%20MACCs%20-%20Linkedin%20Post-1.jpg</image:loc><image:caption>SACCs and MACCs - Linkedin Post-1</image:caption><image:title>SACCs and MACCs - Linkedin Post-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/DDO%20and%20PIP-4.jpg</image:loc><image:caption>DDO and PIP-4</image:caption><image:title>DDO and PIP-4</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Do%20you%20know%20the%20do%E2%80%99s%20and%20donts%20of%20marketing%20financial%20services.jpg</image:loc><image:caption>Do you know the do’s and donts of marketing financial services</image:caption><image:title>Do you know the do’s and donts of marketing financial services</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Key%20Person%20Risk-1.jpg</image:loc><image:caption>Key Person Risk-1</image:caption><image:title>Key Person Risk-1</image:title></image:image><lastmod>2022-02-11</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/de-mystifying-design-and-distribution-obligations</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/LinkedIn_Image_Compliance.png</image:loc><image:caption>LinkedIn_Image_Compliance</image:caption><image:title>LinkedIn_Image_Compliance</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/No%20body%20puts%20RG146%20in%20the%20corner.png</image:loc><image:caption>No body puts RG146 in the corner</image:caption><image:title>No body puts RG146 in the corner</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Do%20you%20know%20the%20do%E2%80%99s%20and%20donts%20of%20marketing%20financial%20services.jpg</image:loc><image:caption>Do you know the do’s and donts of marketing financial services</image:caption><image:title>Do you know the do’s and donts of marketing financial services</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/DDO%20and%20PIP-4.jpg</image:loc><image:caption>DDO and PIP-4</image:caption><image:title>DDO and PIP-4</image:title></image:image><lastmod>2021-03-19</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/the-rise-of-the-responsible-manager-episode-2-responsibility-awakens-0</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/The%20Rise%20of%20the%20Responsible%20Manager%20Episode%202-1.png</image:loc><image:caption>The Rise of the Responsible Manager Episode 2-1</image:caption><image:title>The Rise of the Responsible Manager Episode 2-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/The%20rise%20of%20the%20Responsible%20Manager-Feb-21-2022-04-42-38-64-AM.jpg</image:loc><image:caption>The rise of the Responsible Manager-Feb-21-2022-04-42-38-64-AM</image:caption><image:title>The rise of the Responsible Manager-Feb-21-2022-04-42-38-64-AM</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/FAR-out%20Preparing%20for%20the%20new%20accountability%20regime_LinkedIn.jpg</image:loc><image:caption>FAR-out Preparing for the new accountability regime_LinkedIn</image:caption><image:title>FAR-out Preparing for the new accountability regime_LinkedIn</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Reflections%20on%20BEAR-2.jpg</image:loc><image:caption>Reflections on BEAR-2</image:caption><image:title>Reflections on BEAR-2</image:title></image:image><lastmod>2022-06-24</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/the-rise-of-the-responsible-manager-2.0</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/The%20rise%20of%20the%20Responsible%20Manager-Feb-21-2022-04-42-38-64-AM.jpg</image:loc><image:caption>The rise of the Responsible Manager-Feb-21-2022-04-42-38-64-AM</image:caption><image:title>The rise of the Responsible Manager-Feb-21-2022-04-42-38-64-AM</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/The%20Rise%20of%20the%20Responsible%20Manager%20Episode%202-1.png</image:loc><image:caption>The Rise of the Responsible Manager Episode 2-1</image:caption><image:title>The Rise of the Responsible Manager Episode 2-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Top%20RM-1.jpg</image:loc><image:caption>Top RM-1</image:caption><image:title>Top RM-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Responsibility%20is%20everyone%E2%80%99s%20business.jpg</image:loc><image:caption>Responsibility is everyone’s business</image:caption><image:title>Responsibility is everyone’s business</image:title></image:image><lastmod>2022-05-27</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/braving-the-aml-storm-swirling-on-the-horizon</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Regulatory%20Trends%20in%202022-1.png</image:loc><image:caption>Regulatory Trends in 2022-1</image:caption><image:title>Regulatory Trends in 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licence or not self licence</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Should%20I%20Stay%20or%20should%20I%20go%20-%20Part%202_v2.png</image:loc><image:caption>Should I Stay or should I go - Part 2_v2</image:caption><image:title>Should I Stay or should I go - Part 2_v2</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/LinkedIn_Image_Compliance.png</image:loc><image:caption>LinkedIn_Image_Compliance</image:caption><image:title>LinkedIn_Image_Compliance</image:title></image:image><lastmod>2022-05-27</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/reflections-on-bear-what-have-we-learned-from-banking-accountability</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Whistling%20While%20You%20Work.png</image:loc><image:caption>Whistling While You Work</image:caption><image:title>Whistling While You 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Risk-1</image:title></image:image><lastmod>2021-05-26</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/organisational-culture</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/What%20the%20Simpsons%20Can%20Teach%20Us%20About%20Organisational%20Culture.jpg.png</image:loc><image:caption>What the Simpsons Can Teach Us About Organisational Culture.jpg</image:caption><image:title>What the Simpsons Can Teach Us About Organisational Culture.jpg</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/FAR-out%20Preparing%20for%20the%20new%20accountability%20regime_LinkedIn.jpg</image:loc><image:caption>FAR-out Preparing for the new accountability regime_LinkedIn</image:caption><image:title>FAR-out Preparing for the new accountability regime_LinkedIn</image:title></image:image><lastmod>2020-07-24</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/why-australians-need-payday-loans-and-responsible-lenders</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Key%20Person%20Risk-1.jpg</image:loc><image:caption>Key Person Risk-1</image:caption><image:title>Key Person Risk-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/BID%20101.png</image:loc><image:caption>BID 101</image:caption><image:title>BID 101</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/SACCs%20and%20MACCs%20-%20Linkedin%20Post-1.jpg</image:loc><image:caption>SACCs and MACCs - Linkedin Post-1</image:caption><image:title>SACCs and MACCs - Linkedin Post-1</image:title></image:image><lastmod>2019-08-12</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/how-to-safely-navigate-insurance-sales-regulations</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/How%20to%20Safely%20Navigate%20Insurance%20Sales%20Regulations_Linkedin.jpg</image:loc><image:caption>How to Safely Navigate Insurance Sales Regulations_Linkedin</image:caption><image:title>How to Safely Navigate Insurance Sales Regulations_Linkedin</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/LinkedIn_Image_Compliance.png</image:loc><image:caption>LinkedIn_Image_Compliance</image:caption><image:title>LinkedIn_Image_Compliance</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/No%20body%20puts%20RG146%20in%20the%20corner.png</image:loc><image:caption>No body puts RG146 in the corner</image:caption><image:title>No body puts RG146 in the corner</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Archived/3%20steps_Linkedin.jpg</image:loc><image:caption>3 steps_Linkedin</image:caption><image:title>3 steps_Linkedin</image:title></image:image><lastmod>2021-08-19</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/why-your-responsible-manager-is-your-ultimate-wing-man</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Four%20Reasons%20You%20Need%20to%20Care%20About%20Climate%20Disclosure.jpg</image:loc><image:caption>Four Reasons You Need to Care About Climate Disclosure</image:caption><image:title>Four Reasons You Need to Care About Climate 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services</image:title></image:image><lastmod>2022-06-05</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/far-out-preparing-for-the-new-accountability-regime</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Enhancing%20capability%20and%20accountability%20in%20your%20organisation-1.jpg</image:loc><image:caption>Enhancing capability and accountability in your organisation-1</image:caption><image:title>Enhancing capability and accountability in your organisation-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/AFSL%20legislation_what%20you%20need%20to%20know-1.jpg</image:loc><image:caption>AFSL legislation_what you need to know-1</image:caption><image:title>AFSL legislation_what you need to know-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/FAR-out%20Preparing%20for%20the%20new%20accountability%20regime_LinkedIn.jpg</image:loc><image:caption>FAR-out Preparing for the new accountability regime_LinkedIn</image:caption><image:title>FAR-out Preparing for the new accountability regime_LinkedIn</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/What%20the%20Simpsons%20Can%20Teach%20Us%20About%20Organisational%20Culture.jpg.png</image:loc><image:caption>What the Simpsons Can Teach Us About Organisational Culture.jpg</image:caption><image:title>What the Simpsons Can Teach Us About Organisational Culture.jpg</image:title></image:image><lastmod>2021-04-19</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/how-effective-is-your-aml/ctf-program</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/De-risking%20the%20game.jpg</image:loc><image:caption>De-risking the game</image:caption><image:title>De-risking the game</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Regulatory%20Trends%20in%202022-1.png</image:loc><image:caption>Regulatory Trends in 2022-1</image:caption><image:title>Regulatory Trends in 2022-1</image:title></image:image><lastmod>2022-06-16</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/whistling-while-you-work</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/AFSL%20legislation_what%20you%20need%20to%20know-1.jpg</image:loc><image:caption>AFSL legislation_what you need to know-1</image:caption><image:title>AFSL legislation_what you need to know-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Sunlight%20test_linkedin.jpg</image:loc><image:caption>Sunlight test_linkedin</image:caption><image:title>Sunlight test_linkedin</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Key%20Person%20Risk-1.jpg</image:loc><image:caption>Key Person Risk-1</image:caption><image:title>Key Person Risk-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Whistling%20While%20You%20Work.png</image:loc><image:caption>Whistling While You Work</image:caption><image:title>Whistling While You Work</image:title></image:image><lastmod>2021-10-14</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/best-interests-duty-101</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/BID%20101.png</image:loc><image:caption>BID 101</image:caption><image:title>BID 101</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Archived/3%20steps_Linkedin.jpg</image:loc><image:caption>3 steps_Linkedin</image:caption><image:title>3 steps_Linkedin</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/SACCs%20and%20MACCs%20-%20Linkedin%20Post-1.jpg</image:loc><image:caption>SACCs and MACCs - Linkedin Post-1</image:caption><image:title>SACCs and MACCs - Linkedin Post-1</image:title></image:image><lastmod>2020-11-06</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Key%20Person%20Risk-1.jpg</image:loc><image:caption>Key Person Risk-1</image:caption><image:title>Key Person Risk-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/The%20rise%20of%20the%20Responsible%20Manager-Feb-21-2022-04-42-38-64-AM.jpg</image:loc><image:caption>The rise of the Responsible Manager-Feb-21-2022-04-42-38-64-AM</image:caption><image:title>The rise of the Responsible Manager-Feb-21-2022-04-42-38-64-AM</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/The%204%20Ps%20of%20Key%20Person%20Risk.jpg</image:loc><image:caption>The 4 Ps of Key Person Risk</image:caption><image:title>The 4 Ps of Key Person Risk</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Do%20you%20know%20the%20do%E2%80%99s%20and%20donts%20of%20marketing%20financial%20services.jpg</image:loc><image:caption>Do you know the do’s and donts of marketing financial services</image:caption><image:title>Do you know the do’s and donts of marketing financial services</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Responsibility%20is%20everyone%E2%80%99s%20business.jpg</image:loc><image:caption>Responsibility is everyone’s business</image:caption><image:title>Responsibility is everyone’s business</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Enhancing%20capability%20and%20accountability%20in%20your%20organisation-1.jpg</image:loc><image:caption>Enhancing capability and accountability in your organisation-1</image:caption><image:title>Enhancing capability and accountability in your organisation-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Contextualising%20Continuing%20Professional%20Development.jpg</image:loc><image:caption>Contextualising Continuing Professional Development</image:caption><image:title>Contextualising Continuing Professional Development</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Top%20RM-1.jpg</image:loc><image:caption>Top RM-1</image:caption><image:title>Top RM-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/The%20Rise%20of%20the%20Responsible%20Manager%20Episode%202-1.png</image:loc><image:caption>The Rise of the Responsible Manager Episode 2-1</image:caption><image:title>The Rise of the Responsible Manager Episode 2-1</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Four%20Reasons%20You%20Need%20to%20Care%20About%20Climate%20Disclosure.jpg</image:loc><image:caption>Four Reasons You Need to Care About Climate Disclosure</image:caption><image:title>Four Reasons You Need to Care About Climate Disclosure</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Hello%20Compliance%20my%20new%20friend.jpg</image:loc><image:caption>Hello Compliance my new friend</image:caption><image:title>Hello Compliance my new friend</image:title></image:image><lastmod>2022-05-01</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/the-not-unsuitable-vs-the-customer-first-duty</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/What%20to%20Expect%20When%20You%E2%80%99re%20Expecting%20the%20%E2%80%98Customer%20First%20Duty%E2%80%99.png</image:loc><image:caption>What to Expect When You’re Expecting the ‘Customer First Duty’</image:caption><image:title>What to Expect When You’re Expecting the ‘Customer First Duty’</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/De-risking%20the%20game.jpg</image:loc><image:caption>De-risking the game</image:caption><image:title>De-risking the game</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/DDO%20and%20PIP-4.jpg</image:loc><image:caption>DDO and PIP-4</image:caption><image:title>DDO and PIP-4</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/AFSL%20legislation_what%20you%20need%20to%20know-1.jpg</image:loc><image:caption>AFSL legislation_what you need to know-1</image:caption><image:title>AFSL legislation_what you need to know-1</image:title></image:image><lastmod>2019-08-12</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/somethings-missing-in-mortgage-cpd</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/DDO%20and%20PIP-4.jpg</image:loc><image:caption>DDO and PIP-4</image:caption><image:title>DDO and PIP-4</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/part%202%20thumbnail.jpg</image:loc><image:caption>part 2 thumbnail</image:caption><image:title>part 2 thumbnail</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/No%20body%20puts%20RG146%20in%20the%20corner.png</image:loc><image:caption>No body puts RG146 in the corner</image:caption><image:title>No body puts RG146 in the corner</image:title></image:image><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/LinkedIn_Image_Something%E2%80%99s%20missing%20in%20Mortgage%20CPD.png</image:loc><image:caption>LinkedIn_Image_Something’s missing in Mortgage CPD</image:caption><image:title>LinkedIn_Image_Something’s missing in Mortgage CPD</image:title></image:image><lastmod>2019-11-12</lastmod></url><url><loc>https://blog.financialeducation.com.au/blog/regulatory-trends-in-2022</loc><image:image><image:loc>https://3469369.fs1.hubspotusercontent-na1.net/hubfs/3469369/Regulatory%20Trends%20in%202022-1.png</image:loc><image:caption>Regulatory Trends in 2022-1</image:caption><image:title>Regulatory Trends 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