The Protect-Biz® Risk Management Planning Process represents a unique approach for small and medium companies to manage their risks. These real examples presented to clients and online users provide insights into the breadth and depth of the risks and management actions that can be easily managed within this framework. See it at www.protect-biz.com.

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Protect-­‐Biz®
Risk
Management
Planning
Process
Current
Examples
in
the
www.Protect-­‐Biz.com
Risk
Management
Planning
Wizard
As
of
8/22/13
While
the
examples
presented
to
the
user
in
the
wizard
may
be
easily
selected
for
entry
into
the
user’s
individualized
risk
management
plan,
they
also
serve
as
examples
to
help
the
user
to
understand
the
broad
range
of
possible
risks
and
identify
additional
risks
for
inclusion
in
their
plan.
• This
list
represents
examples
of
risks.
Please
note
the
broad
range
of
risks
that
can
be
easily
managed
within
the
Protect-­‐Biz®
process.
Advertising – print Ads not delivered as promised
Advertising – print Approved copy not delivered
Advertising – print Client content not acceptable to advertiser
Advertising – print Client does not have contract authority
Advertising – print Client will not pay
Any Acts of nature disrupt operations
Any Cash flow problems
Any Critical websites not available
Any Pending government decisions
Business Services Client refuses to accept product/deliverable
Business Services Delayed payments
Career Planning Current job lacks opportunities
Career Planning My skills are out of date
Career Planning Resume not generating interest in the right people
Career Planning Theft of identity
Education Bad press (quality of educational achievement)
Education Bad press (student discipline)
Education Students bring contraband into school

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Financial Services Insider irregularities
Financial Services Product complexities obscure transparency
Franchise owner Franchisor experiences public relations problem
Franchise owner Franchisor files for bankruptcy
Health & Wellness Negative press about product/services
Insurance Bad press about companies represented
Land Development Difficulties with zoning board
Large Business Loss of investor confidence
Large Business Merger
Local Government Bad press
Marketing Budget reduction
Marketing Misinterpretation of message by target group
Marketing Unsatisfactory campaign results
Nat. Resource Expl. & Prodn Dangers of processing explosive substances
Nat. Resource Expl. & Prodn Disruptive effects of new technology
Nat. Resource Expl. & Prodn Unilateral contract terms with government or owner
Non-Profit Demand exceeds capacity to serve
Non-Profit Grant money dries up
Non-Profit Loss of community support
Retail Product recall
Retail Supplier problems
Small/Medium Business Loss of computer files
Small/Medium Business Loss of current customers/clients
Small/Medium Business Poor response to products/services
Start-up Conflict over intellectual property
Start-up Difficulty attracting and retaining contributors
Start-up Marketing efforts not achieving success
Volunteer Community requirements exceed capacity
Volunteer Community requirements exceed capacity

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Volunteer Leadership positions not filled
Volunteer Loss of critical expertise

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• This
list
represents
examples
of
possible
assumptions.
Tracking
assumptions
as
risks
is
an
important
element
of
the
Protect-­‐Biz®
process.
Advertising – print Client has the ability to pay
Advertising – print Delivery contractor will deliver as promised
Any Health of key personnel allows contribution
Any Physical facilities available for use
Any Supply chain costs are stable
Business Services Client accepts invoices
Business Services Client organization supports project
Business Services Workspace at client site is acceptable
Education Public accepts that contraband must be prohibited
Financial Services Advisor understands client's priorities accurately
Financial Services Market expectations are positive
Financial Services Transactions will be posted in a timely manner
Marketing Clearly defined target markets
Marketing High confidence in demographic data
Nat. Resource Expl. & Prodn Demand will continue to increase
Nat. Resource Expl. & Prodn Oil & gas freely tradable
Nat. Resource Expl. & Prodn Predictability of commodity prices
Non-Profit Board governance is active
Non-Profit Established grants will pay on a reliable schedule
Small/Medium Business Data backup and recovery are reliable
Small/Medium Business Family experiences no significant health issues
Small/Medium Business Order cancellations are minimal
Start-up Customers will pay promptly
Start-up Other income will continue uninterrupted

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Start-up Suppliers will meet their commitments
Volunteer Assets properly controlled
Volunteer Can maintain critical skills
Volunteer Can maintain critical skills
Volunteer Volunteer staff members remain committed

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• This
list
represents
examples
of
possible
risk
avoidance
actions.
Advertising – print Ensure client understands delivery risks
Advertising – print Specify contract terms
Any Establish project management standards
Any Install redundancy for Internet access
Any Reduce reliance on USPS
Business Services Communicate benefits of project
Business Services Ensure timesheets and expenses are correct
Business Services Establish agreement prior to project
Financial Services Avoid overly complex products
Financial Services Diversify holdings
Nat. Resource Expl. & Prodn Define contractual remedies
Nat. Resource Expl. & Prodn Maintain hedge agreements
Non-Profit Identify additional sources of funding
Small/Medium Business Establish usability testing processes
Small/Medium Business Test data recovery process monthly
Start-up Establish specific goals for marketing initiatives
Start-up Require status reporting by supplier
Start-up Review compensation packages
Volunteer Establish asset control procedures
Volunteer Maintain focus on contribution to community
Volunteer Proactively recruit critical skills

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• This
list
represents
examples
of
what
we
call
Tripwires
–
objective
criteria
letting
us
know
it
is
time
to
take
some
action
to
minimize
the
negative
impact
of
a
risk
that
has
turned
toxic.
The
concept
of
Tripwires
is
a
unique
and
powerful
element
of
the
Protect-­‐Biz®
process.
It
allows
one
to
respond
quickly
and
decisively
to
risks
turned
toxic.
Advertising – print Client hesitates paying on time
Advertising – print Client refuses to accept ad copy
Any Building access restricted for more than X hours
Any Cost of any supply item increased by > XX % per yr
Any X days without USPS service
Business Services Client personnel not available for meetings
Business Services Non-acceptance of deliverables as scheduled
Business Services Rejected invoices
Financial Services Client communicates inconsistent priorities
Financial Services Inability to fully explain a complex product
Financial Services News of regulator investigations
Nat. Resource Expl. & Prodn Commodity volatility index exceeds XX
Nat. Resource Expl. & Prodn Political unrest exceeds acceptable level
Non-Profit Cancelled Board meetings; agenda items deferred
Non-Profit Grant application rejected
Non-Profit Shelter registration exceeds capacity
Small/Medium Business Customer complaints
Small/Medium Business Key contributor not available for work
Small/Medium Business Unpaid invoices, write-offs
Start-up Advertised staff positions open > X weeks
Start-up Supplier missed agreed-upon schedule
Start-up Supplier quality is unacceptable
Volunteer Any unfilled leadership position

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Volunteer Cannot get commitments X days before event
Volunteer Greater than X% of $ value/year

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• This
list
represents
the
opportunity
to
get
others
to
help
in
managing
risks.
The
concept
of
Tripwire
Monitors
is
a
powerful
element
of
the
Protect-­‐Biz®
process.
Tripwire
Monitors
may
be
designated
by
title,
role
or
by
name.
Any Bookkeeper
Any Chief Financial Officer
Any Head of security
Business Services Accounts Receivable Department
Business Services Project Manager
Financial Services Advisor guidance services
Financial Services Financial Advisor
Nat. Resource Expl. & Prodn Commodity Risk Manager Group
Nat. Resource Expl. & Prodn Local, resident management; gov't affairs
Non-Profit Grants Administrator/Treasurer
Non-Profit Shelter Manager
Small/Medium Business COO
Small/Medium Business HR Director
Small/Medium Business Scheduling Manager
Start-up HR Department
Start-up Human Resources Department
Start-up Procurement office
Start-up Receiving
Volunteer Asset Manager
Volunteer Director
Volunteer Volunteer coordinator

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• This
list
represents
examples
of
risk
mitigation
actions.
While
no
one
knows
exactly
how
the
future
may
unfold,
pre-­‐defining
mitigation
actions
represent
a
starting
point
for
deciding
exactly
how
to
respond
in
a
specific
situation.
Advertising – print Add additional charges for excessive revisions
Advertising – print Initiate collection processes
Advertising – print Offer acceptable payment options
Any Establish special cash reserve, weekly reporting
Any File police report
Any Remove employee access, logon ID
Any Stop payment of check
Business Services Discuss with client's project sponsor
Business Services Manage client expectations; meet expectations
Business Services Project Manager discuss with client counterpart
Financial Services Additional research; additional sources
Financial Services Revisit priorities and goals with client
Nat. Resource Expl. & Prodn Legal resolution as previously specified
Nat. Resource Expl. & Prodn Review prod'n forecasts; review capital projects
Non-Profit Apply to alternative sources for funding
Non-Profit Board member(s) discuss issue with Chairman
Non-Profit Create, issue press release
Small/Medium Business Investigate root causes of product problems
Small/Medium Business Obtain legal assistance
Small/Medium Business Re-distribute workload
Start-up Meet with supplier & reach agreement
Start-up Meet with supplier and reach agreement
Start-up Utilize additional media for advertising positions
Volunteer Increase frequency of audits

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Volunteer Recruit new members
Volunteer Recruit special skills

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• This
list
represents
examples
of
the
designated
authority
to
launch
mitigation
actions.
This
authority
may
be
specified
by
title,
role
or
by
name.
This
element
ensures
the
proper
authority
is
in
control
of
the
response
to
risks
turned
toxic.
Any Chief Executive Officer
Any Chief Financial Officer
Any Head of security
Business Services Project Manager
Financial Services Financial Advisor
Non-Profit Board Chairman
Non-Profit Executive Director
Non-Profit Treasurer
Small/Medium Business CEO
Small/Medium Business COO
Small/Medium Business Production Manager
Start-up Owner, Partner
Volunteer Asset Manager, Director
Volunteer HR Coordinator
Volunteer Volunteer Coordinator
The
Protect-­‐Biz®
client
is
by
no
means
limited
to
these
examples.
They
are
shared
to
help
potential
clients
comprehend
the
range
and
the
depth
of
risk
management
planning
(and
management)
made
available
by
the
unique
and
robust
Protect-­‐Biz®
process.
Over
time
we
will
add
specific
industries
and
additional
examples
to
this
report.
You
may
consider
becoming
a
Protect-­‐Biz®
by
visiting
www.protect-­‐biz.com
and
www.sms-­‐ga.com,
our
firm’s
webste.
Additional
insights
may
be
gained
by
reviewing
the
FAQs
on
either
of
these
sites.