Using CPA Australia case studies, volume 10: "Westpac: washing money in the pacific,"

Describe the regulatory responsibility of AUSTRAC in the context of this case. In the findings of the 2018 Royal Commission into the Banking sector, what were some of the criticisms levelled by Commissioner Hayne against the other regulators (APRA and ASIC) who also had a regulatory role in preventing the type of conduct that had occurred in the case study?