Risk Culture Assessment examines whether an organization's actual behaviors and decision-making align with stated risk appetite and values, using surveys, interviews, behavioral indicators, and incident pattern analysis. Strong risk culture features open discussion of risks, accountability, challenge without retaliation, and alignment of incentives with prudent risk-taking. Regulators increasingly scrutinize risk culture after failures at Wells Fargo and other institutions revealed that toxic cultures drove misconduct despite formal controls. Assessments might measure psychological safety scores, escalation rates, overrides of risk decisions, and correlation between compensation structures and risk events to identify cultural weaknesses requiring leadership intervention and behavioral change programs.