ITS 835 enterprise risk managementChapter 13 & 14ERM – TD Ba.docx
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ITS 835 enterprise risk management Chapter 13 & 14 ERM – TD Bank & Zurich Insurance Group University of Cumberlands 1 Chapter 13: TD Bank Headquartered – Toronto Canada 2nd largest in Canada & 10th largest in US 85,000 Employees worldwide Provide Financial Products and Services 22 Million Customers in the following business lines: Canadian Retail Wholesale Banking US Retail $896 Billion University of Cumberlands 2 ERM at TD Bank Enterprise Risk Framework (ERF) Nature of the risks to TD’s business strategy and operations How TD defines types of risks Risk management governance TD manages risk through processes that identify, measure, assess, control and monitor risk Risk Appetite How risks are viewed and what risks to take to grow business Take risks to build business only if risks Fit business strategy and can be understood and managed Do not expose the enterprise to any significant single-loss event Do not risk harming TD brand University of Cumberlands 3 TD bank organizational risk Strategic Risk – potential loss or reputational damage Credit Risk – Most significant; payment agreement among parties fail Market Risk – loss in financial instruments or balance sheet due to market factors Liquidity Risk – Insufficient cash or collateral resources to meet financial obligations without raising funds Operational Risk – loss from inadequate or failed internal processes Insurance Risk – loss to insurance factors based on the market Legal, regulatory and compliance Risk – risk of negative impacts to business activities Capital Adequacy Risk – Risk of insufficient capital available compared to capital required to complete business goals Reputational Risk – potential of stakeholder’s impressions based on business practices, activities, etc. University of Cumberlands 4 TD bank risk governance structure Business owns all Risks generated and responsible for accessing risks Design Implement Controls Monitoring and Reporting Members Senior management committee CEO and Senior Executive Team Chief Risk Officer (CRO) 3 Lines of Defense model Business and corporate line Setting standards and challenging business assumptions Independent assurance University of Cumberlands 5 TD bank risk management processes Risk Identification, Assessment, and Reporting Recognize and understand existing risks from new or revolving business activities Risk Measurement Quantify risks Risk Control How risks are handled through processes Risk Monitoring & Reporting Dashboards, Scorecards, Reporting University of Cumberlands 6 TD bank - conclusion ERM framework to mitigate risks TD Bank Risk Appetite Governance Process Risk Management Process University of Cumberlands 7 Chapter 14 – Zurich insurance group Large global insurance company 10 years using ERM to remain profitable 60,000 employees Customers in over 170 countries and territories Capitalize on market opportunities Tangible Results Optimizing Risk and Rewards Risk Culture University of Cumberlands 8 Zig – ...
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l.
To
compare the mean annual salaries of the two groups
,
th
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t
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______.
10.5. A training coordinator wants to determine the effectiveness
of a program
that makes extensive use of educational technology when t
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all
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t
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10
.
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.
Circle the
correct
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10.7. A difference
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homogeneous group
s
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when all fou
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number of subjects.
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y t
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more/less
statistically significant than a difference of 3 po
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w
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oups.
10.9 When
a
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test for paired samples is u
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p
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d
the posttest
means
,
the number of pretest scores i
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the
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the number of
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s.
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hen
w
e
w
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e w
h
e
th
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r female
s
' scor
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on th
e
G
MAT are
di
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,
we should use a
t
test for
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t
samples
.
10
.11 In studi
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A
: u1=u2
,
the c
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one
tailed test/
two-tailed
test
should b
e
u
se.
100 WORDS OR MOREConsider your past experiences either as a studen.docx
100 WORDS OR MORE
Consider your past experiences either as a student, early child care professional, or teacher. Describe a creative episode similar to the two boys who found a frog in the text (Creativity and the Arts with Young Children, p.309), when the teacher (maybe you) seized the opportunity (the teachable moment) to inspire the children to branch out using their imagination, creativity, and interests. Why do you think this was such a memorable moment?
WHAT WAS OBSERVED?
Two boys were exploring the outdoors and found a small frog. The teacher recognized their high interest and determined that this was an appropriate topic for a study. Their experience in nature provided the interest and stimulus for a long-term project on frogs. The teacher demonstrated her belief that this study could not only include informational learning but also be enriched by the use of the arts. She didn't know a lot about frogs, so she joined the children in looking for information about them. Stories provided the content for the drama about frogs, and the music selection encouraged listening and moving to the “frog music.” A group mural was created through the collaboration of several children, who created visual representations of the frog's environment. Another group of children investigated building a habitat for the frog in their classroom aquarium. All of the children were involved in active learning and used methods that matched their interests. At the conclusion of the study, the children shared their learning by making a giant book about frogs, creating a song about frogs, and demonstrating the development of the frog aquarium that emulated its outdoor environment. Finally, they returned the frog to its home, which led to their understanding that it needed to live in its natural habitat.
.
1000 to 2000 words Research Title VII of the Civil Rights Act of.docx
1000 to 2000 words
Research Title VII of the Civil Rights Act of 1964 and discuss why it is so significant.
Your paper should discuss the state of race relations in the United States prior to the Civil Rights Act of 1964. It should also discuss the political environment that led to the passing of the Civil Rights Act of 1964. Additionally, please include a response to the following in your analysis:
What is the purpose of this law?
What groups does it protect? What groups does it not protect?
How were the Jim Crow laws tested during this time period?
What is the U.S. Supreme Court case
Plessy v. Ferguson
about? Is the rule established in the Plessy case still the rule today?
.
1000 word essay MlA Format.. What is our personal responsibility tow.docx
1000 word essay MlA Format.. What is our personal responsibility toward the natural world, toward what we term our natural resources? Use one of these readings and interpet it to the question reflecting your answer. Add perentheses when using quotes.
“May’s Lion” (Le Guin)
“Deer Among Cattle” (Dickey)
“Meditation at Oyster River” (Roethke)
“The Call of the Wild” (Snyder)
“Eco-Defense” (Abbey)
“The Present” (Dillard)
“Time and the Machine” (Huxley)
Mending wall(Frost)
.
100 wordsGoods and services that are not sold in markets.docx
100 words
Goods and services that are not sold in markets, such as food produced and consumed at home and some household articles, are generally not included in GDP.
How might the absence of these values mislead one when comparing the economic well-being of the United States and India?
What other items are not included in GDP and how might their exclusion impact policy?
.
100 word responseChicago style citingLink to textbook httpbo.docx
100 word response
Chicago style citing
Link to textbook: http://books.google.com/books?id=zutRiJJMBQYC&printsec=frontcover#v=onepage&q&f=false
Article is attached
The overwhelming similarities between the articles are perception of identity through self-focus or self-identity through culture. Mulvaney tells us “truth is socially constructed through language and other symbol systems” (Mulvaney, 222). And as an example, it was just such self-focus that landed Galileo in jail by asserting that the universe was sun-centered as opposed to earth centered. The people of that time had socially constructed their own truths based on their perceptions of that time, although we now know that both were incorrect. It was from this perception of correctness that power was assumed and asserted by the majority, which in this case led to Galileo’s arrest (Mulvaney 2004).
Jandt touches on an interesting fact regarding existentialism, the idea of the “other” and the idea that both the observer and the observed are changed in the process. He states, “that the observer is not independent of the observed; the observed is in some sense “created” or changed or both by the act of observation” (Jandt, 212). It is from this dynamic that Jandt speaks of that we can see the formation of societal roles, i.e. the roles of those in positions of power and those in a subservient roles.
The interesting culmination of the information from all three articles is that the process is not a stagnant one, but rather one that can, and often times does change. Through introspective analysis, asking ourselves the question “Who am I?” we can embrace our cultural differences and through the acceptance of our individual qualities can take back some of the power that was perhaps lost (Jandt, 210). For example, take the labels “Feminist” and “Gay” along with “queer” and “Chicano,” which were certainly negative when created, have been transformed into positive labels embraced by those within each perspective community (Jandt 2004).
Works Cited
Jandt, Fred E., Dolores V. Tanno. "Decoding Domination, Encoding Self-Determination - Intercultural Comminication Research Process." In Intercultural Communication: A Global Reader, by Fred E. Jandt, 205 - 221. Thousand Oaks, CA: Sage Publications, Inc., 2004.
Mulvaney, Becky Michelle. "Gender Differences in Communication - An Intercultural Experience." In Intercultural Communication - A Global Reader, by Fred E. Jandt, 221 - 229. Thousand Oaks, CA: Sage Publications, Inc., 2004.
.
100 word response to the followingBoth perspectives that we rea.docx
100 word response to the following:
Both perspectives that we read referenced Hofstede’s work. Merrit and Helmreich focused closely on Hofstede’s principles of individualism and power distance. They studied how American flight crews differed in these areas from Asian flight crews. The American flight crews proved to have much more individualism than the Asian, although power distance perceptions were mixed between pilots and flight attendants, with the flight attendants perceiving more power distance than the pilots (in Jandt, 2004). Aldridge also focused on individualism and power distance, with regards to the American culture. It is Aldridge’s thesis that it is the idea of the “natural rights of man” that underpins American culture (in Jandt, 2004, p.94). The natural rights of man are a value that is espoused by a culture with high individuality and low power distance. If man has natural rights, then he is an independent being, and in order to value all men, we must have a lower perception of the distance between those of high status and those with lower status.
I enjoyed both perspectives. I felt that the aviation study was very strong, as they were careful to make sure that they accounted for cultural differences in their measurements. I agree with the authors that although they confirmed some sociological theories and demonstrated that flight crews tend to follow their cultural norms, the study is likely skewed. In order to understand how different flight crews behave from standard Asian social norms, the surveys would have to be done from an Asian perspective and even then, there is not just one Asian culture, so that should be taken into account. We likely miss many of the subtle differences between Asian flight crews and their home culture, by not having a sensitive test to that culture.
My main complaint about Aldridge’s perspective is a lack of strong comparison to other cultures. I felt that the argument that American culture is strong based on our belief in natural human rights would have been better served by showing more comparison to other cultures that also espouse this value and/or to cultures that clearly do not. The comparison to Nazi culture was a start, but one that gets kind of old after a while, and is not a culture that is as current as I would prefer in a comparison.
Readings:
Texbook: Jandt, Fred E. (editor) Intercultural Communication: A Global Reader. Thousand Oaks, CA: Sage. 2004
“Human Factors on the Flight Deck: The Influence of National Culture,” Merritt and Helmreich, Jandt pages 13-27
“What is the Basis of American Culture,” Aldridge, Jandt pages 84-98
100 word response to the following
The perspectives learned this week relate to the evolution of human beings and their ability to evolve and survive. As it was state in Aldridge’s readings human beings have the capability to communicate and this ability makes them superior, than animals. All human beings came from the same land and eventually with th.
100 word response to the followingThe point that Penetito is tr.docx
100 word response to the following:
The point that Penetito is trying to make is that it is important for indigenous cultures to survive. He uses the case of the education of the Maori in New Zealand as an example to exhibit the declining influence of the culture because of the influence of the more dominant British culture. Penetito strengthens his argument by referencing problems that come with colonization and the negative on natives, most notably, the educational system. By attacking this one issue and using facts about the culture to enrich the discussion helps to focus his message that cultures being dominated is a bad thing. The Maori educational system has been moulded to fit the mainstream framework rather than a Maori one (Jandt, 2004, p. 173) and this creates many of the problems and contributes to the extinction of culture. He could use other examples of how colonizing countries leads to the destruction of less important areas of indigiounous cultures such as dress, language, or food in order to strengthen his arguments about the educational systems. The lack of attention in the educational field is having lasting effects on Maoris living in New Zealand and any more information he could use to support this would be important to know. Also examples of educational systems in other colonized countries, to compare and contrast them to New Zealand's would also help to influence readers. He references a report done by the Ministry of Maori Development which states that, "disparities between Maori and non-Maori in a variety of economic sectors such as employment and income" (Jandt, 2004, p. 181). The Maori are just an example of one culture that is fighting for survival out of many. The problem is that through colonization, diversity dwindles. Penetito's writing is valid for all endangered languages because all cultures can use it as a template and useful knowledge for preserving their cultures before they are completely gone.
Textbook: Jandt, F. (2004). Intercultural Communication:A Global Reader. Thousand Oaks, CA: Sage Publications Inc.
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100 word response to the following:
I would like to ask a provocative question, or two.
Given that all of the indigenous languages in the USA are on the brink of extinction, should there be federal funding to protect these languages and these cultures?
Along the same lines, what do you think of English-only initiatives? Do these aid or hurt American culture?
http://www.endangeredlanguages.com/
.
100 word response to the folowingMust use Chicago style citing an.docx
The document discusses different perspectives on culture from authors Levi-Strauss and Hofstede. Levi-Strauss was interested in structuralism and the differences between cultures. He believed cultures should remain distinct from one another. Hofstede analyzed business cultures and categorized them into symbols, heroes, rituals, and values. He identified four dimensions of national cultural variation: power distance, individualism, masculinity, and uncertainty avoidance. When interacting with those from other cultures, it is important to understand these cultural dimensions and not force our own values, but rather be respectful of different perspectives and find common values to effectively communicate.
100 word response using textbook Getlein, Mark. Living with Art, 9t.docx
100 word response using textbook: Getlein, Mark. Living with Art, 9th Ed., New York: McGraw-Hill, 2010. Citing in MLA Format:
Between the Baroque and Rococo era, according to Getlein in Living with Art 2010, Rococo is a development and extension of the baroque style. Rococo is not only a play on the word baroque, but also French for rocks and shells. Rococo is known for its ornate style and several points of contrast. Baroque on the other hand was an art of cathedrals and palaces (Getlein p. 397). The Mirror Room of the Amailienburg in Nymphenburg is a great example of the Rococo style of art with its gentle pastels, overall intimacy, multiple mirrors and its illusion of the sky and with that baroque is large in scale and rococo is lighter. According to Getlein p. 398, Rococo architecture first originated in France but was soon exported, some examples of this type of art are found in Germany. Hall of mirrors on page 392 by Charles Le Brun is an example of baroque art, it is a more intense piece of work that is more vibrant and energetic vice the lighter decoration s used in The Mirror Room.
100 word response using textbook: Getlein, Mark. Living with Art, 9th Ed., New York: McGraw-Hill, 2010. Citing in MLA Format:
The Renaissance covered the period from 1400 to 1600, which brought numerous changes that included new techniques in art, the way art was viewed, and how people viewed themselves. The term renaissance means "rebirth" and it refers to the renewal of interest in Roman and Greek cultures. During the period scholars who called themselves humanists believed in the pursuit of knowledge and striving to reach their full creative and intellectual potential. This new way of thinking had many impacts for art during this period. Artists became interested in observing the natural world and studied new techniques on how to accurately depict it. Various techniques were developed such as the effect of light known as chiaroscuro; noting that distant objects appeared smaller than nearer ones they developed linear perspective; seeing how detail and colored blurred with distance, they developed atmospheric perspective. (Getlein page 361) The nude also reappeared in art, for the body was one of God's most noble creations; an example of this can be seen in figure 16.8 the statue of David, by the artist Michelangelo. (Getlein page 368) The primary difference between the Renaissance and the prior period of time was that artists were no longer viewed craftsmen, they were now recognized as intellectuals. (Getlein page 362)
The Northern Renaissance developed more gradually than in Italy. Northern artists did not live among the ruins of Rome nor did they share the Italians’ sense of a personal link to the creators of the Classical past; thus affecting the focus and characteristics between the two cultures. (Getlein page 374) Renaissance artists in northern Europe focused more on small details of the visible world, such as decoration or the outer appearanc.
100 word response to the following. Must cite properly in MLA.Un.docx
This document summarizes key differences between Egyptian and Islamic architecture and art. It notes that unlike Egyptians, Muslims did not create statues or idols in their mosques due to Islamic doctrine prohibiting images of animate beings. Instead, Islamic architecture used geometry and plants in designs like the Egyptian pyramids. Mosques featured grand designs incorporating textiles, brick, ceramics and calligraphy. A popular example is the Cordoba mosque in Spain, which utilized Roman and Byzantine architectural techniques like arches and domes. Overall, Islamic art and architecture focused more on imagination than depicting history visually like Egyptian art.
100 original, rubric, word count and required readings must be incl.docx
This document outlines the requirements for an assignment involving a strategy audit report and presentation for a company. It requires conducting an internal and external assessment of the company including analyzing its value proposition, market position, competitive advantage, external environment, internal environment, SWOT analysis, and balanced scorecard. The strategy audit report must identify 5-7 strategic issues, provide recommendations in areas like products, structure, culture, and performance measures, and explain how the recommendations will help achieve the company's strategy and vision. It includes appendices with previously completed analyses. The assignment aims to integrate all coursework into a comprehensive strategy audit for a company.
100 or more wordsFor this Discussion imagine that you are speaki.docx
Play is important for children to learn and develop. Through play, children learn skills like problem solving, motor skills, social skills, and cognitive development. Parents and childcare professionals can encourage play by providing toys and opportunities for pretend play, outdoor active play, and creative arts to support children's learning and development.
10. (TCOs 1 and 10) Apple, Inc. a cash basis S corporation in Or.docx
10.
(TCOs 1 and 10) Apple, Inc. a cash basis S corporation in Orange, Texas, formerly was a C corporation. Apple has the following assets and liabilities on January 1, 2010, the date the S election is made:
Adjusted Basis
Fair Market Value
Cash
$200,000
$200,000
Accounts receivable
-0-
$105,000
Equipment
$110,000
$100,000
Land
$1,800,000
$2,500,000
Accounts payable
-0-
$110,000
During 2010, Apple collects the accounts receivable and pays the accounts payable. The land is sold for $3 million, and taxable income for the year is $590,000. What is Apple's built-in gains tax?
(Points : 5)
.
10-12 slides with Notes APA Style ReferecesThe prosecutor is getti.docx
10-12 slides with Notes APA Style Refereces
The prosecutor is getting feedback from local law enforcement officers explaining that they are discouraged from making arrests in cases of domestic violence and child abuse. They claim that they have been either not making arrests in domestic violence situations or arresting both parties when they go out on a call. It seems that abused women often go back to the abusers, and children who get removed from the homes where they have been abused often return after removal. These occurrences have been especially demoralizing to law enforcement.
One of your jobs in working as a victim witness assistant is to help educate law enforcement on the nature and behaviors involved in domestic violence and child abuse. The prosecutor’s office has decided that you should present each of these topics for the next training session:
Topic 1: Domestic violence:
Your goal is to educate law enforcement to use best practices in the investigation of domestic abuse cases. Include the following topics:
How to approach a domestic violence situation when responding to an emergency call
when the parties should be separated
how to interview parties
what information needs to be in the report and why
how best to help a victim
what laws protect victims, including the use of protection orders
why victims return to abusers
length of time it may take to stay away from their abusers
Arrests
the legal standard needed to make an arrest in a domestic violence case
What evidence should be collected at the arrest?
Are dual arrests effective law enforcement?
how to assist domestic violence victims
reluctant victims
help for victims
Topic 2: Child Abuse:
Your goal will be to educate law enforcement about the dynamics of abuse and neglect cases. Include the following topics:
signs of child abuse and categories (physical, sexual, emotional)
difference between abuse and neglect
legal description of neglect
use of guardian
ad litems
the legal standards that must be met in removal from the home
termination of parental rights
requirements of Indian Child Welfare Act (ICWA)
role of court-appointed special advocates (CASA) in child abuse and neglect cases
role of social services in abuse and neglect cases
For more information on creating PowerPoint Presentations, please visit the Microsoft Office Applications Lab.
.
10-12 page paer onDiscuss the advantages and problems with trailer.docx
10-12 page paer on
Discuss the advantages and problems with trailers for temporary housing, the issues for FEMA, and recommendations for improvements to the housing program. Discuss how Public Assistance was used in New York for Hurricane Sandy recovery, and why this was so different than previous housing policies.
.
10. Assume that you are responsible for decontaminating materials in.docx
10. Assume that you are responsible for decontaminating materials in a large hospital.
How would you sterilize each of the following? Briefly justify your answers.
a. A mattress used by a patient with bubonic plague
b. Intravenous glucose-saline solutions
c. Used disposable syringe
d. Tissues taken from patients
.
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A business may deal with both sales and purchases occasionally. They buy things from vendors and then sell them to their customers. Such dealings can be confusing at times. Because multiple clients may inquire about the same product at the same time, after purchasing those products, customers must be assigned to them. Odoo has a tool called Reception Report that can be used to complete this assignment. By enabling this, a reception report comes automatically after confirming a receipt, from which we can assign products to orders.
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- 1. ITS 835 enterprise risk management Chapter 13 & 14 ERM – TD Bank & Zurich Insurance Group University of Cumberlands 1 Chapter 13: TD Bank Headquartered – Toronto Canada 2nd largest in Canada & 10th largest in US 85,000 Employees worldwide Provide Financial Products and Services 22 Million Customers in the following business lines: Canadian Retail Wholesale Banking US Retail $896 Billion University of Cumberlands 2 ERM at TD Bank Enterprise Risk Framework (ERF) Nature of the risks to TD’s business strategy and operations How TD defines types of risks Risk management governance TD manages risk through processes that identify, measure, assess, control and monitor risk Risk Appetite How risks are viewed and what risks to take to grow business Take risks to build business only if risks Fit business strategy and can be understood and managed Do not expose the enterprise to any significant single-loss event
- 2. Do not risk harming TD brand University of Cumberlands 3 TD bank organizational risk Strategic Risk – potential loss or reputational damage Credit Risk – Most significant; payment agreement among parties fail Market Risk – loss in financial instruments or balance sheet due to market factors Liquidity Risk – Insufficient cash or collateral resources to meet financial obligations without raising funds Operational Risk – loss from inadequate or failed internal processes Insurance Risk – loss to insurance factors based on the market Legal, regulatory and compliance Risk – risk of negative impacts to business activities Capital Adequacy Risk – Risk of insufficient capital available compared to capital required to complete business goals Reputational Risk – potential of stakeholder’s impressions based on business practices, activities, etc. University of Cumberlands 4 TD bank risk governance structure Business owns all Risks generated and responsible for accessing risks Design Implement Controls Monitoring and Reporting Members Senior management committee CEO and Senior Executive Team Chief Risk Officer (CRO)
- 3. 3 Lines of Defense model Business and corporate line Setting standards and challenging business assumptions Independent assurance University of Cumberlands 5 TD bank risk management processes Risk Identification, Assessment, and Reporting Recognize and understand existing risks from new or revolving business activities Risk Measurement Quantify risks Risk Control How risks are handled through processes Risk Monitoring & Reporting Dashboards, Scorecards, Reporting University of Cumberlands 6 TD bank - conclusion ERM framework to mitigate risks TD Bank Risk Appetite Governance Process Risk Management Process University of Cumberlands 7 Chapter 14 – Zurich insurance group
- 4. Large global insurance company 10 years using ERM to remain profitable 60,000 employees Customers in over 170 countries and territories Capitalize on market opportunities Tangible Results Optimizing Risk and Rewards Risk Culture University of Cumberlands 8 Zig – erm framework Governance process with clear responsibilities for taking, managing, monitoring and reporting risks. Foster transparency through risk reporting standards Risk governance approach with three lines of defense Business or functional areas Group Risk Management Independent internal audit functions Documented policies and guidelines Remuneration Program Risk policy University of Cumberlands 9 Zgi – cro and risk management group CRO leads Group Risk Management Function Oversight of Risks Group Risk Management Function develops methods and processes for identifying, measuring, monitoring and reporting risks throughout Zurich Two centers of expertise: risk analytics and risk and control Network CROs of Group’s segments and regions and LROs of business
- 5. units and functions Audit an Oversight Committee at business and regional levels Board-level risk committee and executive risk committee Emerging Risk Group External Stakeholders University of Cumberlands 10 Zgi – tools and erm framework Methodologies and Tools to Manage Business Risk Total Risk Profiling Tool Workshop-approach based where facilitated teams evaluate risks Hazard Analysis Tool Manage risks by identifying, addressing and managing risks Risk Room 3-D room to help address risks using a statistical assessment University of Cumberlands 11 Zgi – types of risks Strategic Risks Unintended risks resulting in product of planning or strategy execution Insurance Risks Uncertainty regarding occurrence, amount, and timing of insurance liabilities Market Risks Balance sheet positions affecting cash flows of the market Credit Risks Loss or potential loss from financial obligation outcomes Liquidity Risks Insufficient liquidity to meet obligation resulting in excessive costs Operational Risks
- 6. Risks impacting business operational activities Reputation Risks Impacts on people, process, systems and events University of Cumberlands 12 Zgi – capital management & tools Economic Capital Model Measures and Quantifies Risks Uses Strategic Planning Processes Analysis of Capital Adequacy Relationships with Global Agencies to help maintain credit rating Business Resilience Tools to Create Value Business Interruption Modeling Supply Chain Risk Assessment Business Continuity Management Six-Stage Business Continuity Management Life Cycle University of Cumberlands 13 Zgi - conclusion ERM Program ERM Committee Capital Management Methodologies Tools for Creating Value University of Cumberlands 14