The time and quality of training provided for bank staff, and the staff of suppliers for banks, is one theme being pushed by the Finance Sector Union at the Hayne royal commission."The amount of time and resources devoted to training employees on policies has reduced significantly over time," the FSU wrote in a submission published at the commission website at the end of last week. Rowena Orr, counsel assisting, has already stirred up the topic in her closing address at the commission's recent first round of hearings.Addressing a fraud-centred case study at National Australia Bank, Orr said "another cause of the misconduct was the inadequacy of NAB's policies and processes for the recruitment and training of bankers."One of the key findings of the root cause analysis conducted by NAB was that their approach to recruitment, training and accreditation of bankers had not been fully effective in ensuring that all bankers understood consumer lending process compliance requirements."The FSU broadened this theme, arguing that "the amount of time and resourcesdevoted to training employees on [compliance] policies has reduced significantly over time. "Where previously employees attended regular training sessions, they are now required to undertake most training as internet-based activities. There is limited time allocated to training, and employees are generally expected to fit training and compliance around their usual role."Particularly in a retail and contact centre environment, this means that training is a low priority, which is completed around other duties. Ultimately, this leads to staff whose focus is on completing the minimum compliance training necessary to comply with their KPIs."?Each of the banks, the FSU pointed out, "maintain an enormous array of policies that, in both general and specific terms, prohibit fraud. The policies change frequently. "Employees report feeling intimidated by the volume of policies, and concerned that policies operate not for compliance purposes, but to catch staff out in the event a failure is later identified."