A trio of well known scrutineers were rolled out on Friday to turn risk and culture matters at Commonwealth Bank head over heel via an eight-month inquiry demanded by the Australian Prudential Regulation Authority. Three well known names with a heritage in banking have landed on the panel. It's an interesting trio: John Laker, Jillian Broadbent and Graeme Samuel.The panel and APRA may be scouting for complementary talent, such as a crusading detective with a gallery of white-collar criminals behind bars. Or a senior counsel weathered by the storms of an earlier public inquiry. The panel will have a budget to engage "other external expertise and advice as its sees fit," so CBA's board and management may find a lot of new faces asking questions and chewing through time.The terms of reference are succinct but with wide scope, all but doubling up on the routine work of the board and the bank as well of that by APRA supervisors.The terms include:- any core organisational and cultural drivers within CBA that have contributed to these incidents, meaning scandals in media speak;- the group's organisational structure, governance framework, and culture;- the framework for delegating risk management and compliance responsibilities;- financial objectives;- remuneration frameworks; - the accountability framework; and- the group's framework for identification, escalation and addressing matters of concern raised by CBA staff, regulators or customers.The panel will also report on "any shortcomings identified" in measures underway by the bank to mitigate the "incidents" and on top of that the panel is asked to "recommend, to the extent that there are other shortcomings or deficiencies …  how such issues should be rectified."The panel's work will bring two of its members in their position as a reviewer taking another look at matters in which they were involved as regulator.Laker was chair of the Australian Prudential Regulation Authority for 11 years to June 2014. So he'll be looking at CBA files that in part document the bank's response to directives under his name or those of his delegates.Samuel headed the Australian Competition and Consumer Commission for eight years to July 2011. Under great pressure in late 2008 from Laker and also Reserve Bank of Australia governor Glenn Stevens, Samuel's ACCC consented to the CBA takeover - being a rescue - of Bankwest.In the years since Samuel has voiced his dismay on the record over this rushed approval, a decision taken amid the most stressful days of Australia's version of the financial crisis.Ex Bankers Trust executive Broadbent was also on the RBA board at this time.APRA's asked for an interim report by the end of January and a final report by April 2018.