ANZ Chief Risk Officer Nigel Williams bore responsibility in ANZ's statement on Friday on the ringgit cartel affair in Singapore."We have an obligation to ensure our people, both here in Australia and overseas, comply with the law at all times," Williams said. "While there is no evidence that FX benchmarks in Singapore were successfully influenced, we accept responsibility and apologise for the actions of our former employees."Williams then listed "improvements made to compliance systems since the MAS investigation" including better policies, more training, patrols for any conflicts of interest, more spying on staff and more audits.Macquarie, for its part, said in a statement it acted as it "became aware of the matter and as the ACCC notes, it has significantly strengthened its e-communication surveillance globally, improved trade monitoring and intensified training for its front office staff."