A 'safe'/conservative organization stems from it's roots in financial services/insurance leads to group think when it comes to decision making. Not wanting to make a mistake or take too much risk affects timeliness of decisions and ability to act efficiently. Many topics or questions need to be run by many people in different areas. Getting people to feel empowered is a cultural hurdle. Change is a challenge and "we've always done it this way" is brought up in discussions, though there has been improvement with this as new hires try to sway the tenured staff to consider different options to solving problems. Information Technology group needs to be more forward thinking. Some organizations have the business preventing changes in technology, but in this org it can be IT that hold things back. In IT area it can difficult to figure out who to contact for what need with all their forms and processes for things that should be simple, they can get complex and over complicated. With the hiring of a new CIO, this too may be addressed in the near future. Finding documents and resources via Sharepoint or Intranet can be more than a challenge.