Risk Culture. At The Heart Of Your Decisions
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Risk culture is at the heart of human decisions that govern the day-to-day activities. When it goes wrong, as in the SocGen rogue trading scandal in 2008 or the Boeing scandal in 2018 may have devastating consequences..
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Any organization is an assembly of people: people who take risk as they manage and direct the enterprise; people who decide how much risk is acceptable or even desirable; and provide oversight of the management of risk across the extended enterprise.
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Richard Anderson and Norman Marks share their views on this complex subject. They cover:
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• Who takes risk, and who should be responsible for deciding how much risk to take?
• Is there such a thing as a single risk level?
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• Is one person’s risk another’s opportunity?
• What about when the actions of one impact the success of another?
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Any organization is an assembly of people: people who take risk as they manage and direct the enterprise; people who decide how much risk is acceptable or even desirable; and provide oversight of the management of risk across the extended enterprise.
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• What is the difference between the “risk” culture and the “organizational” culture? How can it be analysed?
• Who takes risk, and who should be responsible for deciding how much risk to take?
• Is there such a thing as a single risk level?
• Why do so many of us take different views of exactly the same risks? How does an organization decide which view is “right”?
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45The Security Survey An OverviewA security survey is a.docx
45
The Security Survey: An Overview
A security survey is a critical, on-site examination…to ascertain the present security
status, identify deficiencies or excesses, determine the protection needed, and
make recommendations to improve the overall security of the operation.
—Raymond M. Momboisse, Industrial Security for Strikes, Riots and Disasters,
Charles C. Thomas Publishers, 1977
The goal of risk management—to manage risk effectively at the least possible cost—cannot
be achieved without eliminating or reducing, through a total management commitment,
the incidents that lead to losses.1 Before any risk can be eliminated or reduced, it must first
be identified. One proven method of accomplishing this task is the security survey. Charles
A. Sennewald, author and security consultant, has defined the security survey as follows:
“The primary vehicle used in a security assessment is the survey. The survey is the process
whereby one gathers data that reflects the who, what, how, where, when, and why of the
client’s existing operation. The survey is the fact-finding process.”2
Why Are Security Surveys Needed?
There are reports published by the Association of Certified Fraud Examiners (ACFE)
estimating that the cost of fraud and financial abuse to American business was in excess
of $994 billion per year in 2008 and rising. This figure is believed by most authorities to be
very conservative. The sad fact is that no one organization is capable of collecting all the
data available concerning fraud. As an example, in America we have an alarming trend
in Medicare fraud, costing taxpayers untold millions of dollars. The biggest problem, and
the one seen most often by fraud investigators, is that most corporate managers do not
know if they have theft problems. Worse, many do not even want to know that they have
a problem with employee theft! Some managers seem to prefer to keep things as they are
and to regard any suggestion of the need for increased security as a direct or indirect crit-
icism of their ability to manage their operations. We hope that this attitude has changed
for the better as a result of the downturn in the global economy. In times of economic
difficulties anything that affects the bottom line (profits) is not tolerated. Nevertheless,
where fraud exists, most business fraud surveys calculate losses at about 6 percent of
annual revenue. Some surveys we have seen reported have concluded that losses attrib-
utable to employee theft (internal theft) equal or exceeded profits! This is especially
7
1 The field of risk management encompasses much more than security and safety. These two subjects, along
with insurance, however, are the cornerstones of most effective risk management programs.
2 Sennewald, C. A., 2004. CPP, Security Consulting, third ed. Butterworth-Heinemann, Elsevier, Boston, MA.
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46 RISK ANALYSIS AND THE SECURITY SURVEY
true for chain-store operations, .
Deloitte es grc_sostenibilidad-reputation-survey
The document summarizes the findings of a 2014 global survey on reputation risk conducted by Deloitte and Forbes Insights. Some key findings include:
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- Responsibility for managing reputation risk resides primarily with senior leadership, including the CEO, CRO, board of directors, and CFO.
- The top drivers of reputation risk are ethics/integrity issues, security risks, and product/service risks related to safety, health and the environment.
- Companies are investing more in tools and capabilities to improve their management of reputation risk.
Multinational_Challenges
Multinational companies face an array of evolving risks that are becoming more diverse, complex, and challenging to address. Traditional risk management focused on insurance placement and claims management, while strategic risk management sees risk management supporting corporate goals and opportunities. To develop strategic risk management, companies must foster collaboration, clearly define risk understanding and tolerance, and manage emerging challenges like reputational, political, and compliance risks. They must also hire skilled risk managers who can work across functions and adapt local strategies to diverse markets and regulations. As systems globally interconnect, risk cannot be confined to one area and must be addressed holistically.
iri-older-investors-summit-final-program
The document summarizes an agenda for an Older Investors Summit held by the Insured Retirement Institute (IRI) on May 27, 2015 in New York City. The summit aimed to explore issues facing older investors such as diminished capacity and financial elder abuse. The agenda included panels on topics like retirement planning, understanding issues impacting older investors, regulatory initiatives, best practices for working with older clients, and public policy opportunities. It provided biographies for several speaker panelists.
Willis_FinancialInstitutionsRiskIndex2025_NETPUB_GC (1)
The document summarizes the findings of the Willis Financial Institutions 2025 Risk Index, which surveyed 150 C-suite executives from financial institutions globally to identify the major risks and trends facing the financial sector over the next decade. It found that the top risks were regulatory changes and complexity, global talent shortages, and demographic shifts. The index also identified six megatrends driving risk: regulatory changes, business model pressures, changes in investment and capital, digitalization, demographic shifts, and skills shortages. C-suite executives viewed regulatory changes as posing the biggest risk. The document analyzes each megatrend and the associated risks identified by the survey respondents.
Mind the Gaps: AML and Fraud Global Benchmark Survey
This survey identified gaps in AML compliance and how AML and Fraud programs could benefit from a tighter alignment
Creating an Ethically Strong OrganizationCATHERINE BAILEY AN.docx
Creating an Ethically Strong Organization
CATHERINE BAILEY AND AMANDA SHANTZ
Ensuring that all employees clearly understand appropriate ways to address daily
ethical issues can prevent your company from spiraling into corporate scandal.
When German car manufacturer Volkswagen was caught
cheating on its diesel emissions testing regime a few years
ago, the subsequent scandal launched numerous lawsuits,
cost billions of dollars in fines, and severely harmed the
company’s reputation. The actions — and inaction — of
dozens of employees at all levels, across divisions and
countries, contributed to this disaster, including the
software engineers who designed the cheating device, the
workers who installed it, the managers who approved the
fitting and testing, and the members of the senior
leadership team who either orchestrated the scam or
simply turned a blind eye. 1
Of course, VW isn’t an isolated example. Consider the
costly lapses in judgment at Wells Fargo, 2 for instance,
and at Samsung Electronics. 3 Why do such scandals
continue, despite the clear moral and financial
imperatives for ethical action? And — perhaps more
important — what can be done to change matters?
Although some argue that people are innately inclined to
behave unethically out of self-interest, 4 our research
reveals that organizational ethics matter significantly to
most employees and managers, and that people want to
work for employers whose values and principles are
aligned with their own. This suggests that ethical
employers are likely to attract and retain ethical
employees. 5 What’s more, research has shown a link
between ethical leadership and task performance,
organizational citizenship, and other productive work
behaviors 6 — companies have many compelling
reasons to address ethical failings at the earliest
opportunity. The urgency is all the greater in this digital
age, since businesses must continually make rapid, high-
stakes choices about how to handle sensitive customer
and employee data.
MITMIT SLSLOOAN MANAAN MANAGEMENGEMENT REVIEWT REVIEW
LEADERSHIPLEADERSHIP
Copyright © Massachusetts Institute of Technology, 2018. All rights reserved. Reprint #60101 https://mitsmr.com/2LgmGf6
https://mitsmr.com/2LgmGf6
To uncover the reasons behind persistent unethical
conduct, we asked employees at five U.K. organizations —
a national government department, a nationwide retailer,
a nonprofit in the social services sector, a county-level
police force, and a construction company — to tell us
about their experiences of both ethical and unethical
practices on the part of their colleagues, line managers,
and senior executives. 7 (See “About the Research.”) We
found that the ethical tone of an organization is the
cumulative outcome of how its members address daily
ethical dilemmas as they go about their work. Over time,
a consistent mishandling of these micro-level issues can
spiral into macro-level corporate scandal. Here, we
.
Module 14 - Internal Crisis – Personnel.pptx
A personnel crisis occurs when an employee is involved in illegal or unethical behavior that damages the company's reputation. It is important for a company to address the issue directly and take appropriate disciplinary action against the offending employee while protecting the company's reputation. There are three major components that help organizations respond well to unexpected personnel situations: transparency within the organization so employees understand each other's roles and workloads, cross-training employees so they can cover for each other, and trust between management and employees so work can continue smoothly when resources are low.
Thoughts on Direction of Ops Risk Management -V4 0
The document discusses risk management and operational risk. It provides context on the tumultuous global economic environment of the last decade which brought focus to risk management. However, some question if current risk management practices are adequate given failures still occurred. The document then discusses various studies on risk management and findings that risks are about human decisions. Therefore, influencing business decisions is important to manage risks and avoid failures. It introduces the concept of "behavioural risk management" and capturing the experience of being embedded within business to influence decisions from the first line of defence.
Risk Culture, Risk What?
This document discusses risk culture and its importance for organizations. It defines risk culture as the values, beliefs, knowledge, attitudes and understanding about risk shared by a group within an organization. A good risk culture allows employees to interact at work as they would socially, which mitigates risks and encourages performance. In contrast, traits of a poor risk culture include poor communication, lack of accountability and indifference. The document provides examples of organizations with both good and poor risk cultures.
Financial Statement Fraud training by Tommy SEAH
This document advertises and provides details about a 2-day workshop on detecting and preventing financial statement fraud hosted by ProEdge Global.
The workshop aims to provide an overview of different types of financial fraud, with a focus on financial statement fraud. Attendees will learn practical techniques to combat financial statement fraud from an expert in the field.
The workshop is intended for corporate leaders, financial professionals, accountants, and auditors who want to improve their ability to detect, respond to, and prevent financial statement fraud.
Human Capital Risk — Identifying Talent Beta for Mergers and Acquisitions and...
Evaluate and identify human capital risk and the proper risk factor to mergers & acquisitions, private equity investment, and venture capital deals.
Aon's Underrated Threats Report
This document discusses the results of a global risk management survey conducted by Aon that ranked the top 50 risks facing organizations. It then discusses additional research Aon conducted with over 100 captive insurance company directors to get their perspectives on some of the risk rankings from the original survey. For several risks, including computer crimes/hacking and pandemic risk, a large percentage of the captive directors felt the rankings in the original survey underrated the potential impact and complexity of those risks. The document advocates that risks are growing in complexity and interconnectivity, challenging traditional approaches to risk management.
Understanding the black hat hacker eco system
This document discusses how misaligned incentives work against cybersecurity. It finds that there are three levels of misaligned incentives:
1) Between attackers and defenders, where attackers are incentivized by a fluid criminal market while defenders are constrained by bureaucracy.
2) Within organizations, where cybersecurity strategies are not fully implemented, and where executives and operators measure success differently.
3) Individual incentives for "black hats" are clear in the criminal cyber market, which drives innovation, while defenders work within organizations with different goals and metrics for success.
The document reports on a survey that found cybersecurity is now a top priority for organizations due to losses from breaches. However, executives still see cybersecurity as
CPDone ABCOMP 2015
Mark Forsyth, CPDone CEO, answers the How Do You Know of all things compliance in the bank and finance industry
Tactical Misinformation-Disinformation in your Organization
Tactical Misinformation / Disinformation in your Organization
Author : Stephen D. Pullum
Presented at EOCON 2022
Top 10 Interview Questions for Risk Analyst.pptx
A Risk Analyst is in charge of reviewing and examining an organization's investment portfolio to ensure that the risk is acceptable in light of the company's commercial and financial goals.
https://www.infosectrain.com/courses/crisc-certification-training/
ComplianceOnline PPT Format 2015 Developing an Effective Fraud Risk Managemen...
This document outlines a training session on developing an effective fraud risk management program. The training discusses identifying fraud risks and influencing factors, analyzing existing risk management frameworks, developing fraud risk management program components, promoting a strong ethical culture, conducting fraud risk assessments, common fraud schemes, and techniques for fraud detection. The agenda includes defining risk appetite and tolerance, qualitative and quantitative risk elements, and managing fraud risk through prevention best practices like knowing employees and internal controls. The goal is to help organizations reduce the risk of fraud occurring and detect and address it when it does.
Similar to Risk Culture. At The Heart Of Your Decisions (20)
Anti-Fraud Professional’s Guide to Building an Anti- Fraud Culture
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Willis_FinancialInstitutionsRiskIndex2025_NETPUB_GC (1)
Willis_FinancialInstitutionsRiskIndex2025_NETPUB_GC (1)
Mind the Gaps: AML and Fraud Global Benchmark Survey
Mind the Gaps: AML and Fraud Global Benchmark Survey
Creating an Ethically Strong OrganizationCATHERINE BAILEY AN.docx
Creating an Ethically Strong OrganizationCATHERINE BAILEY AN.docx
Thoughts on Direction of Ops Risk Management -V4 0
Thoughts on Direction of Ops Risk Management -V4 0
Human Capital Risk — Identifying Talent Beta for Mergers and Acquisitions and...
Human Capital Risk — Identifying Talent Beta for Mergers and Acquisitions and...
Tactical Misinformation-Disinformation in your Organization
Tactical Misinformation-Disinformation in your Organization
ComplianceOnline PPT Format 2015 Developing an Effective Fraud Risk Managemen...
ComplianceOnline PPT Format 2015 Developing an Effective Fraud Risk Managemen...
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ArrowMiner
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一比一原版(UCSF文凭证书)旧金山分校毕业证如何办理
毕业原版【微信:176555708】【(UCSF毕业证书)旧金山分校毕业证】【微信:176555708】成绩单、外壳、offer、留信学历认证（永久存档真实可查）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路），我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信176555708】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信176555708】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
→ 【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
原版一比一多伦多大学毕业证(UofT毕业证书)如何办理
原版制作【微信:41543339】【多伦多大学毕业证(UofT毕业证书)】【微信:41543339】《成绩单、外壳、雅思、offer、真实留信官方学历认证（永久存档/真实可查）》采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路）我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信41543339】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信41543339】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
一比一原版(UO毕业证)渥太华大学毕业证如何办理
UO毕业证录取书【微信95270640】购买（渥太华大学毕业证成绩单硕士学历）Q微信95270640代办UO学历认证留信网伪造渥太华大学学位证书精仿渥太华大学本科/硕士文凭证书补办渥太华大学 diplomaoffer,Transcript购买渥太华大学毕业证成绩单购买UO假毕业证学位证书购买伪造渥太华大学文凭证书学位证书,专业办理雅思、托福成绩单，学生ID卡，在读证明，海外各大学offer录取通知书，毕业证书，成绩单，文凭等材料:1:1完美还原毕业证、offer录取通知书、学生卡等各种在读或毕业材料的防伪工艺（包括 烫金、烫银、钢印、底纹、凹凸版、水印、防伪光标、热敏防伪、文字图案浮雕，激光镭射，紫外荧光，温感光标）学校原版上有的工艺我们一样不会少，不论是老版本还是最新版本，都能保证最高程度还原，力争完美以求让所有同学都能享受到完美的品质服务。
文凭办理流程：
1客户提供办理信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：微信95270640我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）。
7完成交易删除客户资料
高精端提供以下服务：
一：渥太华大学渥太华大学毕业证文凭证书全套材料从防伪到印刷水印底纹到钢印烫金
二：真实使馆认证（留学人员回国证明）使馆存档
三：真实教育部认证教育部存档教育部留服网站可查
四：留信认证留学生信息网站可查
五：与学校颁发的相关证件1:1纸质尺寸制定（定期向各大院校毕业生购买最新版本毕,业证成绩单保证您拿到的是鲁昂大学内部最新版本毕业证成绩单微信95270640）
A.为什么留学生需要操作留信认证?
留信认证全称全国留学生信息服务网认证,隶属于北京中科院。①留信认证门槛条件更低,费用更美丽,并且包过,完单周期短,效率高②留信认证虽然不能去国企,但是一般的公司都没有问题,因为国内很多公司连基本的留学生学历认证都不了解。这对于留学生来说,这就比自己光拿一个证书更有说服力,因为留学学历可以在留信网站上进行查询!
B.为什么我们提供的毕业证成绩单具有使用价值？
查询留服认证是国内鉴别留学生海外学历的唯一途径但认证只是个体行为不是所有留学生都操作所以没有办理认证的留学生的学历在国内也是查询不到的他们也仅仅只有一张文凭。所以这时候我们提供的和学校颁发的一模一样的毕业证成绩单就有了使用价值。只硕大的蛇皮袋手里拎着长铁钩正站在门口朝黑色的屋内张望不好坏人小偷山娃一怔却也灵机一动立马仰起头双手拢在嘴边朝楼上大喊：“爸爸爸——有人找——那人一听朝山娃尴尬地笑笑悻悻地走了山娃立马“嘭的一声将铁门锁死心却咚咚地乱跳当山娃跟父亲说起这事时父亲很吃惊抚摸着山娃的头说还好醒得及时要不家早被人掏空了到时连电视也没得看啰不过父亲还是夸山娃能临危不乱随机应变有胆有谋山娃笑笑说那都是书上学的看童话和小说时多
"Financial Odyssey: Navigating Past Performance Through Diverse Analytical Lens"
Embark on a captivating financial journey with 'Financial Odyssey,' our hackathon project. Delve deep into the past performance of two companies as we employ an array of financial statement analysis techniques. From ratio analysis to trend analysis, uncover insights crucial for informed decision-making in the dynamic world of finance."
办(uts毕业证书)悉尼科技大学毕业证学历证书原版一模一样
原版一模一样【微信：741003700 】【(uts毕业证书)悉尼科技大学毕业证学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Population Growth in Bataan: The effects of population growth around rural pl...
A population analysis specific to Bataan.
The Ipsos - AI - Monitor 2024 Report.pdf
According to Ipsos AI Monitor's 2024 report, 65% Indians said that products and services using AI have profoundly changed their daily life in the past 3-5 years.
Open Source Contributions to Postgres: The Basics POSETTE 2024
Postgres is the most advanced open-source database in the world and it's supported by a community, not a single company. So how does this work? How does code actually get into Postgres? I recently had a patch submitted and committed and I want to share what I learned in that process. I’ll give you an overview of Postgres versions and how the underlying project codebase functions. I’ll also show you the process for submitting a patch and getting that tested and committed.
06-12-2024-BudapestDataForum-BuildingReal-timePipelineswithFLaNK AIM
06-12-2024-BudapestDataForum-BuildingReal-timePipelineswithFLaNK AIM
by
Timothy Spann
Principal Developer Advocate
https://budapestdata.hu/2024/en/
https://budapestml.hu/2024/en/
tim.spann@zilliz.com
https://www.linkedin.com/in/timothyspann/
https://x.com/paasdev
https://github.com/tspannhw
https://www.youtube.com/@flank-stack
milvus
vector database
gen ai
generative ai
deep learning
machine learning
apache nifi
apache pulsar
apache kafka
apache flink
在线办理(英国UCA毕业证书)创意艺术大学毕业证在读证明一模一样
学校原件一模一样【微信：741003700 】《(英国UCA毕业证书)创意艺术大学毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
一比一原版(Unimelb毕业证书)墨尔本大学毕业证如何办理
原版制作【微信:41543339】【(Unimelb毕业证书)墨尔本大学毕业证】【微信:41543339】《成绩单、外壳、雅思、offer、留信学历认证（永久存档/真实可查）》采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路），我们拥有全套进口原装设备，特殊工艺都是采用不同进口机器一比一制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信41543339】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信41543339】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
一比一原版南十字星大学毕业证(SCU毕业证书)学历如何办理
原版办理【微信号:BYZS866】【南十字星大学毕业证(SCU毕业证书)】【微信号:BYZS866】《成绩单、外壳、雅思、offer、真实留信官方学历认证（永久存档/真实可查）》采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路）我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信号BYZS866】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信号BYZS866】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
End-to-end pipeline agility - Berlin Buzzwords 2024
We describe how we achieve high change agility in data engineering by eliminating the fear of breaking downstream data pipelines through end-to-end pipeline testing, and by using schema metaprogramming to safely eliminate boilerplate involved in changes that affect whole pipelines.
A quick poll on agility in changing pipelines from end to end indicated a huge span in capabilities. For the question "How long time does it take for all downstream pipelines to be adapted to an upstream change," the median response was 6 months, but some respondents could do it in less than a day. When quantitative data engineering differences between the best and worst are measured, the span is often 100x-1000x, sometimes even more.
A long time ago, we suffered at Spotify from fear of changing pipelines due to not knowing what the impact might be downstream. We made plans for a technical solution to test pipelines end-to-end to mitigate that fear, but the effort failed for cultural reasons. We eventually solved this challenge, but in a different context. In this presentation we will describe how we test full pipelines effectively by manipulating workflow orchestration, which enables us to make changes in pipelines without fear of breaking downstream.
Making schema changes that affect many jobs also involves a lot of toil and boilerplate. Using schema-on-read mitigates some of it, but has drawbacks since it makes it more difficult to detect errors early. We will describe how we have rejected this tradeoff by applying schema metaprogramming, eliminating boilerplate but keeping the protection of static typing, thereby further improving agility to quickly modify data pipelines without fear.
一比一原版(CU毕业证)卡尔顿大学毕业证如何办理
原件一模一样【微信：95270640】【卡尔顿大学毕业证CU学位证成绩单】【微信：95270640】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：95270640】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：95270640】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份【微信：95270640】
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
办理卡尔顿大学毕业证本科学位证成绩单CU学位证【微信：95270640 】外观非常精致，由特殊纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理卡尔顿大学毕业证CU学位证本科学位证成绩单【微信：95270640 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理卡尔顿大学毕业证本科学位证成绩单CU学位证【微信：95270640 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理卡尔顿大学毕业证本科学位证成绩单CU学位证【微信：95270640 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
Predictably Improve Your B2B Tech Company's Performance by Leveraging Data
Harness the power of AI-backed reports, benchmarking and data analysis to predict trends and detect anomalies in your marketing efforts.
Peter Caputa, CEO at Databox, reveals how you can discover the strategies and tools to increase your growth rate (and margins!).
From metrics to track to data habits to pick up, enhance your reporting for powerful insights to improve your B2B tech company's marketing.
- - -
This is the webinar recording from the June 2024 HubSpot User Group (HUG) for B2B Technology USA.
Watch the video recording at https://youtu.be/5vjwGfPN9lw
Sign up for future HUG events at https://events.hubspot.com/b2b-technology-usa/
一比一原版(GWU,GW文凭证书)乔治·华盛顿大学毕业证如何办理
毕业原版【微信:176555708】【(GWU,GW毕业证书)乔治·华盛顿大学毕业证】【微信:176555708】成绩单、外壳、offer、留信学历认证（永久存档真实可查）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路），我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信176555708】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信176555708】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
→ 【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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Risk Culture. At The Heart Of Your Decisions
- 1. ArrowLink Featured Insights Risk Culture. At The Heart Of Your Decisions Risk culture is at the heart of human decisions that govern the day-to-day activities. When it goes wrong, as in the SocGen rogue trading scandal in 2008 or the Boeing scandal in 2018 may have devastating consequences. Failures such as fraud, compliance or safety breaches, operational disasters, and over-leveraging have their origin in unique organizational cultures that allowed particular risks to take root and grow.
- 2. ArrowLink Featured Insights Risk Culture. How Is It Shown? ● The way organization conducts its business, treats employees, customers and the wider community. ● The extent to which freedom is allowed in decision making developing new ideas and personal expression ● How power and information flow through its hierarchy ● How employees are committed towards collective objectives How decisions are taken at all levels. Organizational culture.. Eats strategy every day
- 3. ArrowLink Featured Insights Risk Culture. Not Respected! (Wells Fargo 2016) ● Wells Fargo employees secretly opened unauthorized accounts to hit sales targets and receive bonuses ● Bank employees opened over 1.5 million deposit accounts that may not have been authorized ● Employees submitted applications for 565’443 credit card and accounts without their customers knowledge or consent. 5’300 Wells Fargo employees fired. $ 185 million in fines, along with $ 55 million refund to customers.
- 4. ArrowLink Featured Insights Risk Culture. Not Respected! (DaimlerChrylser 2007) ● The Daimler-Chrysler merger was called the ‘merger of equals’. A few years later it was called the ‘fiasco’. ● The German culture became dominant and employees satisfaction levels at Chrysler dropped off the map. ● A joke circulating at Chrysler at the time was ‘How do you pronounce DaimlerChrysler?’... ‘Daimler’ - the ‘Chrysler’ is silent. By 2000 major losses were projected and, a year later, layoffs began. In 2007, Daimler sold Chrysler.
- 5. ArrowLink Featured Insights Risk Culture. Not Respected! (AML False Positives) We gave a financial institution a three column document for a blind test on transactions risk rating. We filled the first column with the most representative types of transactions. In the second column Compliance gave their risk rating. Finally the third column was filled with the transaction risk rating, as this is calculated by the system. The results were amazing. In more than 90% of the cases the system’s rating was different than Compliance’s appreciation (risk sub-culture issues). Banks & Financial Institutions waste millions per year.
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- 7. ArrowLink Featured Insights Risk Culture. The Importance Of Subculture Within every organization, dynamic subcultures will exist across business units and teams Understand who exerts the most influence over risk culture. This is not always the most senior people in the organization.
- 8. ArrowLink Featured Insights Risk Culture. The Swiss Cheese Model An effective risk culture and implementation can work to protect organizations from process failure/neglect. Risk Based Decision Support will be your ultimate control layer after all processes and procedures have failed. Risk Based Decision Support Your Ultimate Control Layer
- 9. ArrowLink Featured Insights ArrowMiner. Your Ultimate Decision Support Tool ● Implement your organization risk culture ● Document decisions taken at all levels ● Predict decision and check deviations ● Require approvals for risky decisions Apply the organization’s risk culture and control decisions taken.