Hi RebC,
Thanks for reaching out to Microsoft Community and posting your inquiry.
To check the apps running on the background, wipe up from the bezel then pause. It should show you the recent opened apps. If your have enabled the 3 system navigation, you can click the little square with the red circle on the picture below to bring up the recent apps opened or running on the background.
For the app list, try checking on the settings > apps & notifications.