Prowesses should not be confused with procedures which are the pre-defined actions to be taken as part of a process step, eg in a client onboarding process for a wealth management organisation the process would involve determining the needs of a prospective client, obtaining necessary DD, determining the risk rating, deciding whether to take on the client, costing the services to be provided, quoting to the client and if the client accepts the terms, onboarding the client to the client service teams. This process will run across the business development, compliance, risk management and operation departments. Within each of those steps, there will be defined procedures such as what DD is needed and how it must be assessed