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solvency 2; environmental lia european risk management community european union exclusion experience expert group exposure fde ferma ferma european risk and insurance report ferma f ferma forum ferma newsletter ferma risk and insurance report ferma seminar ferma seminar 2014 ferma survey fermaforum financial director financial institution financial security financial transparency floods florence bindelle france frank baron fuedi full results garp global compliance governance green paper guidelines harvard business review health healthy workplaces heartbleed helle friberg hong kong i iber ict ifrima igor mikhaylov iia imd importers influence insur insurance insurance block exemption regulation insurance contract law insurance market insurers integrated risk management integrity interests intermediaries intermediation internal audit internal control international insurance programmes international taxing interruption investments investors isabel martinez iso 31000 iso 31004 iso implementation it italy japan jean-paul louisot jean-pierre letartre jo willaert john carlin jorge luzzi julia graham knowledge korea large risks leaders leadership legal legal redress lloyd's loss adjuster loyalty manufacturers marie gemma dequae mark camillo mark hughes market analysis mass claims mediation mep michel dennery mission mitigation mobile workers multinationals narim nat cat nat-cat natural catastrophes natural disasters and hazards network network and information security nis non-financial reporting occupational safety and health oecd opening operational management opportunity osha pageaud panel partnership patrick zurstrassen pere magazine personal data peter den dekker philippe cotelle pierre sonigo policy political changes political risk ppr practices press release prevention prim primo princess elisabeth product liability professional development professionalism profile proportionnality protectionism public control public disclosure rating agencies recognition regulators regulatory regulatory risk reinsurance remediation reporting reputation reputation risk resilience richard nelson rimap rims risk risk appetite risk assessment risk committee risk convergence risk conversation risk culture risk governance risk job risk management risk management practices risk management. ffsa risk manager risk managers risk mitigation risk prevention risk professional risk radar risk reporting risks rusrisk safety scenarios seminar sirm software solvency ii standard & poors stockholm strategic subsidiarity substance supply chain risks survey susep systemic tax tax planning tax transparency terrorism top risks trade training transfer pricing transparency travel risk management values vision volatility vulnerability webinar whistleblowing working breakfast world economic forum young risk professionals yves rocher zero day zurich …less