Podcasts about CBCP

Sermon: 真假的敬虔 Authentic vs. Counterfeit Godliness Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音 Mark 12:35-44 Translated to English by Elder Alex Gatchalian 耶穌透過兩位截然不同的角色，展現了兩種虔誠：文士虛偽的虔敬，與獻祭寡婦真摯的虔誠。本週主日，張國強牧師告誡我們切勿為人眼目而行虔敬之舉，強調真正的虔敬源自內心。 Jesus highlighted two kinds of devotion through two starkly different characters: the hypocritical piety of the scribes and the genuine devotion of a sacrificial widow. This Sunday, Rev. Jeremiah Cheung warns us against acts of piety intended for human eyes, emphasizing that true devotion comes from the heart. Sermon Notes: https://drive.google.com/file/d/1pjy_DlnYZ2PFIuWQrCDeT9zlkg_Jqj0B/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/22/authentic-vs-counterfeit-godliness/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: True Piety Series: God's Perfect Servant Speaker: Ptr. Nathan Tee Scripture: Mark 12:35-44 Do we serve because we want praise or a sense of accomplishment, or do we serve out of genuine love for others? This Sunday, Ptr. Nathan Tee shows us two types of piety: one rooted in selfish gain and another that gives of oneself purely and sacrificially. Sermon Notes: https://drive.google.com/file/d/1CEw1aG_uBhPwYzqq1QEqQ9ca68sQ4n3h/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/22/true-piety/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Anak Series: God's Perfect Servant Speaker: Ptr. Renz Raquion Scripture: Mark 12:35-44 Ilang araw bago Siya ipinako sa krus, ipinahayag ni Hesus na Siya ang Anak ng Diyos at ipinaliwanag kung ano ang kahulugan ng tunay na pananampalataya sa Kanya. Ngayong Linggo, ibinabahagi ni Pastor Renz Raquion na isinasabuhay ng mga tunay na tagapagsunod ng perpektong Guro ang kanilang pananampalataya sa pamamagitan ng taos-puso at mapagsakripisyong paglilingkod, sa halip na maghangad ng pansariling kapakinabangan. In the days before His crucifixion, Jesus revealed Himself as the Son of God and explained what true faith in Him entails. This Sunday, Ptr. Renz Raquion shares that those who follow the perfect Master live out their faith through genuine and sacrificial service, rather than selfish fulfillment. Sermon Notes: https://drive.google.com/file/d/1gj8uYs5sM0sg8voc9qnqWBmcOC2Q-v_C/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/22/anak/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 服事之由 Why Serve Series: Your Turn Speaker: Rev. Jared Co Scripture: 彼得前書 1 Peter 4:7-11 Translated to English by Elder Stanley Sy 我們是蒙恩之人；然而，我們常發現自己追逐私慾，而非分享所領受的恩典。值此志工主日，Reverend Jared Co 將強調在神的國度中服事他人、將恩典延伸予眾人的重要性。 We are people who have received grace, yet we often chase after selfish desires rather than sharing the grace we've received. On this Volunteer Sunday, Reverend Jared Co urges us to serve in God's kingdom so we can extend His grace to all. Sermon Notes: https://drive.google.com/file/d/1Dnhpn-qXY4IdUy-zlgIqLxiIQTR40SSr/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/15/why-serve/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Your Turn: Living A God-Honoring Life in Difficult Times Series: Your Turn Speaker: Rev. Michael Cariño Scripture: 1 Peter 4:7–11 Too many Christians live carelessly and selfishly, lacking urgency about sharing God's grace with others. This Volunteer Sunday, Reverend Mike Cariño urges us to pursue five aspects of faithful living, because how we live and serve impacts how people respond to the God we love and honor. Let us embrace this call to live purposefully and serve gladly. Sermon Notes: https://drive.google.com/file/d/1NQ_1k_G7pFLL-P-qkolrVDN4TNp_rp0-/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/15/your-turn-living-a-god-honoring-life-in-difficult-times/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Living Faithfully in Light of the Last Days Series: Your Turn Speaker: Ptr. Joseph Ouano Scripture: 1 Peter 4:7-11 Mas nakatuon sa pagsasabuhay ng Ebanghelyo ang mga Kristiyanong mulat sa katotohanang tayo ay nabubuhay sa mga 'Huling Araw'. Ngayong Volunteer Sunday, hinikayat tayo ni Pastor Joseph Ouano na samantalahin ang bawat pagkakataon na ibahagi ang pag-ibig ni Kristo, dahil maaaring kaunti na lang ang natitirang oras para maabot pa natin ang iba. Christians who realize they are living in the 'Last Days' are gripped by a real sense of urgency for living out the Gospel. This Volunteer Sunday, Pastor Joseph Ouano urges us to seize every opportunity to share Christ's love, for we may not have much time left to bring the Gospel to others. Sermon Notes: https://drive.google.com/file/d/1aLAxJuThXlFE2zh4LaYo1OS-bt0PV9q2/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/15/living-faithfully-in-light-of-the-last-days/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Following Christ: What Truly Matters? Series: God's Perfect Servant Speaker: Ptr. July David Scripture: Mark 12:28-34 Ang relihiyon ay maaaring mauwi sa napakaraming alituntunin at paghihigpit, na nagdudulot ng pagkalito, pagkadismaya, at disilusyon tungkol sa kung ano ba talaga ang kahulugan ng pagsunod kay Kristo. Ngayong Linggo, ibabahagi ni Pastor July David kung ano ang tunay na mahalaga para sa mga nagnanais na buong pusong sumunod kay Kristo. Religion can burden us with countless rules and restrictions, leaving us confused, disappointed, and disillusioned about what it truly means to follow Christ. This Sunday, Pastor July David shares what really matters for those who wish to follow Christ wholeheartedly. Sermon Notes: https://drive.google.com/file/d/1JmayR6dzpe0DQg32GkAX6BGd1jDUXbdg/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/08/following-christ-what-truly-matters/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 聖經中的誡命觀 The Biblical View on Commandments Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音 Mark 12:28-34 Translated to English by Sis. Sarah Lim 在耶穌的時代，律法教師們制定了一份詳盡的誡命清單，共計613條規範，列明了「當作」與「不當作」之誡命。其中哪一條最為重要？本週日，張國強牧師將分享耶穌如何回應這個問題，強調我們在努力活出門徒生命時應當優先實踐的要義。 During Jesus' time, the teachers of the law had an extensive list of 613 rules that outlined what "should" and "shouldn't" be done. To test Jesus, they asked Him which of these rules was the most important. This Sunday, Rev. Jeremiah Cheung urges us to ponder how Jesus answered this question and use His response to guide us as we strive to live as His disciples. Sermon Notes: https://drive.google.com/file/d/1M4sHB6kYHR65qOmsZFyiFep57vpWoYwW/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/08/the-biblical-view-on-commandments/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Allegiance in Christ Alone Series: God's Perfect Servant Speaker: Ptr. Isaac Cheung Scripture: Mark 12:28-34 We are called to go beyond observing religious norms to placing our trust in the righteousness of Christ. This Sunday, Pastor Isaac Cheung teaches us that the greatest commandment is fulfilled in the person of Jesus. Let us pledge our allegiance to Him and His kingdom. Sermon Notes: https://drive.google.com/file/d/1cwpBGl4AyOriKdU2JNk-VX0HlkXLSYN7/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/08/allegiance-in-christ-alone/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 聖經中的復活觀 The Biblical View on Resurrection Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音 Mark 12:18-27 Translated to English by Elder Stanley Sy 本週經文聚焦於撒都該人對耶穌復活教導的質疑。耶穌如何回應他們的挑戰？本週日，張國強牧師將分享見解：耶穌作為首位從死裡復活者，如何彰顯復活的真理與權柄。 How did Jesus respond when the Sadducees challenged His teachings on the Resurrection? This Sunday, Rev. Jeremiah Cheung shares insights on how Jesus embodied the truth and authority of the Resurrection by being the first to rise from the dead. Sermon Notes: https://drive.google.com/file/d/1mveRaILdS46FUCFu4h9-9TKsxwKmKAOj/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/01/the-biblical-view-on-resurrection/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Beyond This World Series: God's Perfect Servant Speaker: Rev. Jared Co Scripture: Mark 12:18-27 How could the Sadducees have overlooked what the scriptures say about the resurrection when they were the religious leaders of their time? This Sunday, Rev. Jared Co urges us to place due importance on diligently knowing God's Word so we can rely on God's power to live righteously. Sermon Notes: https://drive.google.com/file/d/1hRzmyTxs7mi5vbYemj8BHCgBzAcNv2nn/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/01/beyond-this-world/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Ang Pagsabi Ni Christ To Those Who Deny Life After Death: You Are Wrong Series: God's Perfect Servant Speaker: Rev. Michael Cariño Scripture: Mark 12:18-27 Noong panahon ni Hesus, ang mga Saduceo ay kabilang sa mga kilalang relihiyosong sekta, ngunit hindi nila lubos na naunawaan ang katotohanan at kapangyarihan ng Diyos. Ngayong Linggo, hinihikayat tayo ni Rev. Mike Cariño na taimtim na hanapin ang Diyos, sapagkat ang Kanyang katotohanan ay nagbibigay ng pag-asa sa buhay na ito at sa buhay na darating. The Sadducees were one of the prominent religious sects during the time of Jesus, yet they did not understand God's truth and power. This Sunday, Rev. Mike Cariño encourages us to earnestly seek God, because His truth gives us hope in this life and in the life to come. Sermon Notes: https://drive.google.com/file/d/17spZF6a6Zgus1rh_wp4KsR3aISj2sfz4/view?usp=drive_link On our website: https://cbcp.org/blog/2026/02/01/ang-pagsabi-ni-christ-to-those-who-deny-life-after-death-you-are-wrong/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Mirror Mirror Series: God's Perfect Servant Speaker: Ptr. Renz Raquion Scripture: Mark 12:13-17 Just as a coin bears the image of its owner, so we must bear the image of God. This Sunday, Pastor Renz Raquion challenges us to remember who we belong to amidst a culture obsessed with achievement and performance. Let us offer to God what is already rightfully His—our lives. Sermon Notes: https://drive.google.com/file/d/1KzPJ-0RTKHIC_pnMNrfxfgH2xK8ARFok/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/25/mirror-mirror/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Mirror Mirror Series: God's Perfect Servant Speaker: Ptr. Renz Raquion Scripture: Mark 12:13-17 Kung paanong ang barya ay nagtataglay ng larawan ng may-ari nito, gayon din dapat tayong taglay ang larawan ng Diyos. Ngayong Linggo, hinihimok tayo ni Pastor Renz Raquion na alalahanin kung sino tayo sa gitna ng kulturang nahuhumaling sa tagumpay at pagganap. Ihandog natin sa Diyos ang nararapat na sa Kanya—ang ating buhay. Just as a coin bears the image of its owner, so we must bear the image of God. This Sunday, Pastor Renz Raquion challenges us to remember who we belong to amidst a culture obsessed with achievement and performance. Let us offer to God what is already rightfully His—our lives. Sermon Notes: https://drive.google.com/file/d/1Flrxlc8Yi6JuAIUIunTKOU51IOdGvX4m/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/25/mirror-mirror-2/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Mirror Mirror Series: God's Perfect Servant Speaker: Ptr. Renz Raquion Scripture: Mark 12:13-17 Kung paanong ang barya ay nagtataglay ng larawan ng may-ari nito, gayon din dapat tayong taglay ang larawan ng Diyos. Ngayong Linggo, hinihimok tayo ni Pastor Renz Raquion na alalahanin kung sino tayo sa gitna ng kulturang nahuhumaling sa tagumpay at pagganap. Ihandog natin sa Diyos ang nararapat na sa Kanya—ang ating buhay. Just as a coin bears the image of its owner, so we must bear the image of God. This Sunday, Pastor Renz Raquion challenges us to remember who we belong to amidst a culture obsessed with achievement and performance. Let us offer to God what is already rightfully His—our lives. Sermon Notes: https://drive.google.com/file/d/1Flrxlc8Yi6JuAIUIunTKOU51IOdGvX4m/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/25/mirror-mirror-2/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 聖經中的權柄觀 The Biblical View on Authority Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音 Mark 11:27-12:12 Translated to English by Sis Sarah Lim 宗教領袖質疑耶穌在聖殿中的權柄，拒絕承認這位唯一真彌賽亞的權柄。本週日，張國強牧師分享道：權力雖能帶來益處，但若不承認權柄的源頭，便可能導致腐敗。 The religious leaders questioned Jesus' authority in the temple, refusing to recognize the authority of the One true Messiah. This Sunday, Rev. Jeremiah Cheung shares that while being in power has benefits, it can also lead to corruption if we do not acknowledge the Source of all authority. Sermon Notes: https://drive.google.com/file/d/1cfWoQWSnv28KhsXgrurP0Hu7PLObAICj/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/18/the-biblical-view-on-authority/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: When Jesus Disrupts You Series: God's Perfect Servant Speaker: Rev. Jared Co Scripture: Mark 11:27-12:12 When Jesus cleansed the temple, He challenged the authority of the religious leaders, prompting them to question the source of His authority. This Sunday, Rev. Jared Co reminds us that God allows disruption in our lives when we stray from His will. Will we respond by resisting this disruption or will we choose to repent and place our trust in our Cornerstone? Sermon Notes: https://drive.google.com/file/d/1uzR3DaqIWOIYkEUJoKMt0JJ_oZwdTq3e/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/18/when-jesus-disrupts-you/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

01-18-2026 Ang Pagtutol Sa Authority Ni Christ by Christian Bible Church of the Philippines

Sermon: 主咒詛不結果的無花果樹合理嗎? Is it Reasonable for the Lord to Curse the Fruitless Fig Tree? Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音 Mark 11:12-26 Translated to English by Deacon Daniel Go 雖然當時並非季節，耶穌卻因一棵無果的無花果樹深感失望，甚至咒詛了它，致使樹木隔日枯萎。耶穌如此行事是否合理？本週日，張國強牧師將探討耶穌如何將無花果樹與聖殿的使命相連結，並闡明此連結如何關乎教會在成就神旨意中的角色。 Although it was not in season, Jesus was so disappointed that a fig tree was fruitless that He cursed it and it withered the next day. Was it reasonable for Jesus to do this? This Sunday, Rev. Jeremiah Cheung explores how Jesus connected the fig tree to the purpose of the Temple and how this connection also relates to the role of the church in fulfilling God's mission. Sermon Notes: https://drive.google.com/file/d/1iufmoQYFMbAZYmcrUQtzIIXDKI_mOMQa/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/11/is-it-reasonable-for-the-lord-to-curse-the-fruitless-fig-tree/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Don't Settle for Appearances: Mukhang Buhay Pero Walang Bunga Series: God's Perfect Servant Speaker: Ptr. Joseph Ouano Scripture: Mark 11:12-26" Hindi ang dami ng gawain sa Templo ang ikinagalit ni Hesus, kundi ang kakulangan ng tunay na pagpapahalaga sa pananalangin. Ngayong Linggo, hinihikayat tayo ni Ptr. Joseph Ouano na masusing suriin ang ating mga gawi sa pagsamba at talikuran ang anumang mababaw na pagpapakita na sa panlabas ay maaaring mukhang masigla, ngunit sa loob ay walang laman at hindi namumunga. Jesus was angered not by the Temple's bustling activity but rather by its lack of focus on prayer. This Sunday, Ptr. Joseph Ouano encourages us to closely examine our worship practices, urging us to discard any superficial performances that may appear vibrant on the outside but are ultimately empty and fruitless on the inside." Sermon Notes: https://drive.google.com/file/d/1L5ACNSlkqfcZtC_X_wWRS7dMCenV0v0Y/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/11/dont-settle-for-appearances-mukhang-buhay-pero-walang-bunga/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Lessons from the Fig Tree Series: God's Perfect Servant Speaker: Ptr. Nathan Tee Scripture: Mark 11:12-26 Jesus cursed and withered a fig tree because it was fruitless. Do we not deserve a similar fate when we fail to bear fruit for God's kingdom? This Sunday, Pastor Nathan Tee reminds us that it is God's will for us to bear fruit for Him. Let us persevere in serving Him, for His grace is present and His promise remains steadfast through faith. Sermon Notes: https://drive.google.com/file/d/1fPPPTquNgk1Vl3ZtvrYS6J4wAPnVWD-A/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/11/lessons-from-the-fig-tree/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Ang Pagdating Ni Christ as A King on a Donkey Series: God's Perfect Servant Speaker: Rev. Michael Cariño Scripture: Mark 11:1–11 Inaasahan ng mga tagasunod ni Jesus ang Kanyang dakilang pagdating sa Jerusalem, ngunit dumating Siya na nakasakay sa isang asno. Hindi naunawaan ng mga sumalubong sa Kanya ang Kanyang layunin. Ngayong Linggo, ipinapaalala sa atin ni Rev. Mike Cariño na ang Diyos ay hindi kumikilos ayon sa ating inaasahan. Magtiwala tayo sa Kanya, sapagkat ang Kanyang mga paraan ay higit na mataas kaysa sa anumang maaari nating gawin o isipin. Jesus' followers anticipated His grand entrance into Jerusalem, but He arrived riding on a donkey instead. The crowds that welcomed Him did not understand His purpose. This Sunday, Rev. Mike Cariño reminds us that God doesn't act according to our expectations. Let us trust in His ways, for they are higher than ours. Sermon Notes: https://drive.google.com/file/d/1qDuNy0EpNFuVE00gBZornJELZXUSc79z/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/04/ang-pagdating-ni-christ-as-a-king-on-a-donkey/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: The Return of the King Series: God's Perfect Servant Speaker: Rev. Jared Co Scripture: Mark 11:1-11 The word "perplexing" accurately describes Jesus' triumphant entry into Jerusalem. Why would a king use such humble elements during His arrival? This Sunday, Rev. Jared Co addresses these questions, revealing why Jesus is not the King we expected, but instead is the King we truly need. Sermon Notes: https://drive.google.com/file/d/14ec6h-yX-J__05_VD0VuXDPgdy_obWft/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/04/the-return-of-the-king/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 救贖的彌賽亞來了 The Redemptive Messiah Has Come Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音 Mark 11:1-11 Translated to English by Deacon Daniel Go 試想耶穌進入耶路撒冷的對比景象：這位君王正以凱旋之姿進入以色列最重要的城市，卻騎著一頭驢子。本週日，張國強牧師將探討耶穌如何進入耶路撒冷，揭示祂既是彌賽亞，亦是君王的雙重身份。 Consider the contrast when Jesus' rode into Jerusalem: here is a King making a triumphant entrance into Israel's most important city, yet He is riding on a donkey. This Sunday, Rev. Jeremiah Cheung explores the dual identity of Jesus as reflected in His entry, revealing Him as both Messiah and King. Sermon Notes: https://drive.google.com/file/d/1_NvS_wFaGFywab724O8-bGK0YgJu5fsh/view?usp=drive_link On our website: https://cbcp.org/blog/2026/01/04/the-redemptive-messiah-has-come/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

NEWS: CBCP: Trust in God's blessing this 2026 | Jan. 2, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribeVisit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Sermon: 求恩、蒙恩、感恩再蒙恩 Seeking Grace, Receiving Grace, Giving Thanks, Receiving More Grace Series: A Year of Grace Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 路加福音 Luke 17:11-19 Translated to English by Elder Alex Gatchalian 恩典是我們信仰的根基。救恩是本乎恩典，我們存活、行動與存在，無不源於恩典。值此2025年歲末之際，張國強牧師勉勵我們成為恩典的子民——恆常尋求恩典、領受恩典、分享恩典，並時刻懷抱感恩之心。 Grace is the cornerstone of our faith. We are saved by grace, and it is by grace that we live, move, and exist. As we approach the end of 2025, Rev. Jeremiah Cheung encourages us to be a people of grace—constantly seeking, receiving, and sharing grace, all while maintaining a grateful heart. Sermon Notes: https://drive.google.com/file/d/1HB0TtkCQ6eaPX9ax92OdD2nFUfwEC02J/view?usp=drive_link On our website: https://cbcp.org/blog/2025/12/28/seeking-grace-receiving-grace/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 平凡又非凡, 卑微又榮耀的救主 A Savior Who is Humble Yet Glorious, Ordinary Yet Extraordinary Series: Oh! What a Savior Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 路加福音 Luke 2:1-14 Translated to English by Deacon Daniel Go 多數人熟悉聖誕故事，卻鮮少理解那帶來人類最大盼望的背景。本週日，張國強牧師將分享上帝成就的奇蹟——祂如何促成基督降生，向世人宣告這帶來佳音與無比喜樂的救贖。 Most people are familiar with the Christmas story, but many still do not understand the circumstances that led to the greatest Hope for humanity. This Sunday, Rev. Jeremiah Cheung shares the incredible things God did that brought about the birth of Christ, promising good news and great joy to all. Sermon Notes: https://drive.google.com/file/d/1wle1U0KMz08JJKwRqHr2TvWaHyPwemWN/view?usp=drive_link On our website: https://cbcp.org/blog/2025/12/21/a-savior-who-is-humble-yet-glorious/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 眼盲心不盲 Blind in Sight, But Not in Heart Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音 Mark 10:46-52 Translated to English by Sis. Sarah Lim 與門徒不同，巴底買雖雙目失明，卻清晰認出耶穌就是彌賽亞。本週日，張國強牧師呼籲身為耶穌跟隨者的我們，祈求主開啟我們心靈的眼睛，使我們能清晰看見祂的真理——這真理往往超越肉眼所能看見的範圍。 Unlike the disciples, Bartimaeus clearly recognized Jesus as the Messiah despite his blindness. This Sunday, Rev. Jeremiah Cheung urges us, as followers of Jesus, to pray that the Lord open the eyes of our hearts, so that we may clearly see His truth—one that often transcends what our physical eyes can see. Sermon Notes: https://drive.google.com/file/d/1zsrrDuSIyku44CvTb6O-t2RgQAnqLMsF/view?usp=drive_link On our website: https://cbcp.org/blog/2025/12/14/blind-in-sight-but-not-in-heart/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: The Invitation of the Gospel Series: God's Perfect Servant Speaker: Ptr. Isaac Cheung Scripture: Mark 10:46-52 Bartimaeus knew that Jesus was the Messiah, even though he was blind. As a result, the Lord healed him, and he began to follow Jesus. This Sunday, Pastor Isaac Cheung shares what Bartimaeus understood through faith, even when his physical eyes could not see. Let us learn what it truly takes to be a follower of Jesus from his example. Sermon Notes: https://drive.google.com/file/d/110-_NtQin4jt9OSHSHuVrmDcIKT70vBg/view?usp=drive_link On our website: https://cbcp.org/blog/2025/12/14/the-invitation-of-the-gospel/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Eyes of Faith: To See Him is to Follow Him Series: God's Perfect Servant Speaker: Ptr. Allan Rillera Scripture: Mark 10:46-52 Marami ang nakarinig tungkol kay Hesus, ngunit iilan lamang ang tunay na nakakakita at sumusunod sa Kanya. Ngayong Linggo, ibabahagi ni Pastor Allan Rillera na ang mga kumikilala sa Panginoon ay tumatawag sa Kanya nang may matatag na pananampalataya at sumusunod sa Kanyang mga tagubilin nang walang pag-aalinlangan. Many have heard of Jesus, but only a few truly see and follow Him. This Sunday, Ptr. Allan Rillera shares how those who do recognize the Lord know to call on Him with unwavering faith and follow His instructions without hesitation. Sermon Notes: https://drive.google.com/file/d/1e7RIgOEx8Q0-3yCZh9VB38SYOcEJW-WL/view?usp=drive_link On our website: https://cbcp.org/blog/2025/12/14/eyes-of-faith-to-see-him-is-to-follow-him/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 蒙福的管道 Channel of Blessings Series: Family Sunday Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 詩篇 Psalm 128 Translated to English by Elder Stanley Sy 聖經清楚表明，神渴望賜福給敬畏祂並跟隨祂的人。在本週的家庭主日，張國強牧師將從《詩篇》128篇講解，闡明神如何樂意賜福於我們，使我們成為祝福他人的管道。 The Bible says that God wants to bless those who fear and follow Him. This Family Sunday, Rev. Jeremiah Cheung draws from Psalm 128 to show how God delights in blessing us, so we may become channels of blessing for others. Sermon Notes: https://drive.google.com/file/d/1lpfpgcTaG499I9tulkAmib9uAXUIgQAS/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/30/channel-of-blessings/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 屬世的成功與屬靈的成功 Worldly Success and Spiritual Success Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音 Mark 10:32-45 Translated to English by Deacon Daniel Go 當雅各和約翰向耶穌求取尊榮的位分時，祂把握機會教導門徒何謂上帝國度中的真正成功。本週日，張國強牧師將藉此經文闡釋世俗成功與屬靈成功的差異。 When James and John asked Jesus for positions of honor, He seized the opportunity to teach His disciples about what true success is in God's Kingdom. This Sunday, Rev. Jeremiah Cheung draws from this scripture passage to explain the difference between worldly success and spiritual success. Sermon Notes: https://drive.google.com/file/d/1p7DNVr8_FU9q3n3hX9q_Mp8zBs1_Yxsh/view?usp=drive_link On our website: https://cbcp.org/blog/2025/12/07/worldly-success-and-spiritual-success/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: The Race for Power Series: God's Perfect Servant Speaker: Rev. Jared Co Scripture: Mark 10:32-45 James and John were focused on worldly power, wanting to talk about personal advancement just as Jesus was explaining His upcoming suffering and death to His disciples. This Sunday, Rev. Jared Co shows how Jesus demonstrated true power by choosing to do the right thing even in the face of suffering. Sermon Notes: https://drive.google.com/file/d/1DGjWoW1ZUoBIVbC04v6K89rCoZUAY5PZ/view?usp=drive_link On our website: https://cbcp.org/blog/2025/12/07/the-race-for-power/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Ang Pagiging Servant Ni Christ: A Pattern For True Greatness Series: God's Perfect Servant Speaker: Rev. Michael Cariño Scripture: Mark 10:32-45 Naghahanap sina James at John ng mga posisyon ng karangalan, habang si Hesus naman ay nakatuon sa mga paghihirap na darating. Ngayong Linggo, itinuturo ni Rev. Mike Cariño na ang tunay na kahulugan ng kadakilaan ay hindi nakabatay sa kasikatan o sa palakpak ng tao, kundi sa kahandaang magsakripisyo at maglingkod. In today's passage, James and John were seeking positions of honor, while Jesus focused on the sufferings to come. This Sunday, Rev. Mike Cariño says the true essence of greatness is not based on glory and prestige, but rather on the willingness to sacrifice and serve. Sermon Notes: https://drive.google.com/file/d/1aSD0sdElhVtxCOMQ4fwwF3ki9ihkOM5N/view?usp=drive_link On our website: https://cbcp.org/blog/2025/12/07/ang-pagiging-servant-ni-christ-a-pattern-for-true-greatness/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Andréia Stephenson, BSc SIRM, Enterprise Risk Analyst at London Metal Exchange, about her shift from a Bachelor of Science in biology to a risk analyst and risk professional. Andréia speaks of her passion for data and the importance of communicating at all levels of your organization. She regards working for different organizations with good leaders as a way to learn risk frameworks and gain foundational knowledge. She shares views on how risk analysts can influence risk culture. She also tells how she uses AI as an assistant. Listen for thoughts on building a risk-aware culture by asking leaders the right questions.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest today is Andréia Stephenson, BSc SIRM, Enterprise Risk Analyst at London Metal Exchange. She will discuss her career and the evolving role of the Risk Analyst. But first… [:43] RIMS-CRMP and Some Exam Prep Courses. From December 15 through the 18th, CBCP and RIMS will present the RIMS-CRMP Exam Prep Boot Camp. [:53] Another virtual course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:07] During the interview with Andréia, you will hear her reference the RIMS CRO Certificate Program in Advanced Enterprise Risk Management, which is hosted by the famous James Lam. Andréia is an alum of the program. [1:23] You can enroll now for the next cohort, which will be held over 12 weeks, from January through March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort held from April through June of 2026. Registration closes on April 6th. [1:39] Links to registration and enrollment are in this episode's show notes. [1:46] Justin shares that RIMS suffered a tremendous loss in December. Chief Membership Experience Officer, Leslie Whittet, with RIMS for almost three years, tragically passed away due to injuries she sustained in an accident. She was walking her dog when she was struck by a truck. [2:18] Some of the RIMS staff, including CEO Gary LaBranche, knew Leslie from years prior. We are all shocked and saddened. Leslie was a remarkable association leader with 30 years of experience. [2:33] Gary LaBranche had the privilege of working alongside Leslie Whittet at the Association for Corporate Growth for nine years. For the last three years, Justin has had the pleasure of working with her at various RIMS events and seeing her weekly on our remote calls. [2:50] Leslie was always a source of positivity, inspiration, and creativity. She was just a wonderful person who will be deeply missed. Her memory is certainly a blessing. [3:03] RIMS will celebrate her memory at the Chapter Leadership Forum in Orlando in January. If you have any questions, please contact Josh Salter, jsalter@RIMS.org. Tributes are pouring in on LinkedIn and various networking groups. [3:22] If you have memories and photos you'd like to share, we encourage you to do so to honor her memory. [3:29] It wasn't easy to speak these words or read them, so I want to take a brief moment of silence to honor Leslie before we go any further. [3:44] On with the show! Our guest today is Andréia Stephenson. She comes to us all the way from London, where she's an Enterprise Risk Analyst for the London Metal Exchange. [3:57] You may know her a little bit from some promotional videos we've done on social media, promoting the James Lam CRO Certificate Course. In getting to know her, I was struck by how enthusiastic she was about her role as a Risk Analyst for years. [4:14] Many risk professionals begin as risk analysts; others, like Andréia, can make a thriving career of it. She's here to share some tips on how to do that, where ERM fits into the mix, and where she believes the role of the risk analyst will be going in the near future. Let's get started… [4:36] Interview! Andréia Stephenson, welcome to RIMScast! [4:47] Andréia may sound familiar to you because she did a testimonial on LinkedIn for RIMS for the James Lam CRO Certificate course. Justin says she was great to work with. That's how she and Justin met, and that's why she's here. [5:19] Justin notes that his voice is lower from "shouting" during the ERM Conference. Andréia looks forward to the RIMS ERM Conference 2026. [6:09] Andréia shares an overview of her career. She started at O.R.X., an operational risk data exchange association, where she learned all the principles of risk management. It gave her a strong background in operational risk. [6:36] From there, she went to London to go into a second-line risk management function as an analyst at a wealth management investment firm, then she went to a small investment bank, then to another wealth management firm, and now, to the London Metal Exchange. [7:00] They were all analyst roles, primarily operational risk, but also enterprise risk management. Risk has been part of her life for the last 10 years. The foundation was set by O.R.X. She holds the company close to her heart. [7:28] Andréia loves data. It's incredibly important for driving analysis. She says any analyst who doesn't love data is not an analyst! Data structure and data quality are very important for risk analysis, or any analysis. You need to love data to be able to do good risk management. [8:13] Andréia says that working in different organizations is important for risk management. It helps you connect the dots between the components of a risk management framework. [8:28] When Andréia started at O.R.X., she understood all the components, but she didn't join the dots until she went into the industry, hands-on, in the deep end, trying to figure out an RCSA, a KRI, or a KPI. Then, all the components of risk management started to make a bit more sense. [8:53] Andréia has always been fortunate to have worked with several exceptional leaders, each of whom had a kind of superpower in risk management that influenced her approach and understanding of risk. [9:07] Andréia's first manager at O.R.X. was tough and meticulous. She had a deep understanding of corporate governance and the boundaries between the risk types: strategic, financial, and non-financial. [9:22] At the time, Andréia didn't really appreciate how valuable the discipline was. She didn't understand yet. In hindsight, it gave her a strong foundation. Another CRO she worked with taught her the importance of communication in risk. [9:46] Aside from his technical ability, he understood stakeholder management at every level of the organization and how to translate the risk concepts for different audiences and build alignment. [10:00] Then she had a head of risk who was incredible with data, with an exceptional ability to quantify risk using analytics and evidence. Having a science degree, numbers were not Andréia's strongest area, but working with someone who pushed her helped her to become stronger. [10:25] Andréia thinks that working in risk in different organizations can help you build those thoughts. [10:32] Andréia has a Bachelor of Science degree in biology from the University of Bath in England. She's happy she decided not to pursue biology and took the risk road, instead. [10:55] Justin tells of recently having Kellee Ann Richards-St. Clair on the show. She's on the RIMS Strategic and Enterprise Risk Management Council. Kellee Ann started in Chemistry.l She moved into Energy and Power and became the de facto ERM Manager for her organization. [11:15] Kellee Ann and Andréia channelled other areas of knowledge to apply them to risk. For Andréia, the statistical side of biology has been helpful in risk management. James Lam states in his CRO Certificate program that risk is probability and statistics. Risk management isn't easy. [12:19] Andréia believes that legacy tools and practices fall short when they are disconnected from the organization's purpose, vision, mission, and strategic objectives. GRC systems have different modules: an RCSA module, a budding issue module, and an incident module. [12:49] Andréia hasn't seen a system that can connect the dots well. Risk practitioners don't always know how to connect the dots, either. An RCSA becomes isolated from the risk itself because people don't understand the context of those risks. [13:17] Working with business senior leaders to understand the context of your organization will help you to provide more valuable use of those tools and practices. [13:32] Andréia explains RCSA. It stands for Risk and Control Self-Assessment. It's a thought process. You sit down to understand what's most important to you, how much you care about it, and what you have in place to protect what's most important to you. [13:55] Andréia says the way we try to document that thought process is quite heavy. The industry requires that process to be complicated. Andréia recommends simplifying it. [14:20] To simplify it, have a process that's more sensible. The industry requires you to do assessments for inherent risk and residual risk. First, determine if a risk is important to you. If it's not important, why are you assessing it? [15:09] Andréia thinks the industry makes it difficult by requiring organizations to assess risks in a certain way, when it doesn't actually make sense. Managers have to have the courage to say it doesn't make sense for the organization, let's try a simpler approach. [15:34] Andréia uses screens, but sometimes pen and paper will do. Having that brainstorming session with the business really helps in trying to understand the purpose of what you do for your organization and where you fit in the strategic purpose of the firm. [15:51] What is most important to you, as opposed to thinking of everything that could go wrong? Risk is not only about negative outcomes but also about opportunities. [16:09] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [16:31] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [16:44] Let's conclude our Interview with Andréia Stephenson! [17:14] Beyond documenting risk, Andréia thinks a risk analyst can shape an organization's risk-aware culture by asking questions. The quality of the questions they ask helps drive culture. [17:31] When an analyst consistently probes assumptions, highlights all the inconsistencies they find, or asks what this means in practice, that behavior encourages others to think more critically about risk and about what they are doing. [17:50] Good questions change behaviors. They prompt people to pause and reflect rather than to operate in autopilot, which we all sometimes do. [18:04] Andréia says analysts can contribute by making risk information simpler, clearer, and more accessible, looking for ways to simplify their reports and focusing on the most important things, day-to-day, for their objectives, and having a less bureaucratic process. [18:41] Andréia suggests having the courage to speak up when processes don't make sense in the second line of defense to help as much as possible the first line. [18:51] Risk analysts can influence and change behavior by building truthful and meaningful relationships with people, caring about the business, listening to the business units, taking their feedback to heart, and helping them to change the difficulties they encounter in risk. [19:19] Andréia works in the second line of defense. She works with a lot of first-line business units. For them, it's a burden when the risk team, the CRO, or the processes change. The risk analyst needs to help them minimize that burden. It's important to be conscious of that. [19:57] Andréia says when she goes into a new organization, the first thing she does is to understand the current state. What risk practices do they have? How do they operate? After a month, she has figured out how the organization is and how they make decisions. [20:17] When she has a suggestion, Andréia puts herself on the line for it. More often than not, it has worked out positively because she had good managers who could listen to her ideas for improvement. [20:41] If something doesn't make sense, you have to be true to yourself and say this process is lengthy, or this document is enormous; let's try to simplify it. Never be afraid of providing views for improvements, so long as you have one and have thought about it. [21:16] Andréia believes in passion for what you do. You need to be passionate, and if you're not, find your passion. For Andréia, it has always been to be a professional analyst and risk professional. That passion, in turn, drives your curiosity. [21:40] Look for ways to improve and learn. Working hard is really important, even with AI. Working hard drives good results. Data literacy is very important. Understand the basic principles of data and the basic tools that allow you to do data analysis. [22:04] Think, pause, and reflect. What does that data mean? What do those patterns mean? [22:10] Andréia stresses communication. She says she's still working on her communication skills. She is very direct at work. Sometimes that directness can seem abrupt. If something doesn't make any sense, she will put her hand up and say, This doesn't make any sense! [22:41] Having the soft skill to be able to communicate at all levels of the organization is important. That will set an analyst apart. [23:33] Andréia says AI is everywhere. She uses AI all the time for work and for her personal life. In her experience, AI is most powerful as a sounding board, a thought partner, and a colleague. It helps you explore ideas, structure problems, and challenge assumptions. [24:07] The analyst is the one who provides context and judgment. AI can help you generate lots of possibilities, but it can't decide what makes sense for your organization or for you. A critical mindset is very important. [24:25] Analysts need to treat AI as an extension of their thinking process, not as a replacement for it. You are the Quality Control. You are always the one accountable for the output. AI doesn't understand your business, your culture, or your strategic priorities, but you do. [24:48] There's always the risk that if you rely on AI without applying your own insight, the output will sound sort of right but not add any value. It may be technically correct, but contextually useless. [25:12] If analysts don't know how to extract, refine, and apply what the tool gives them, it won't move the needle in a meaningful way. [25:21] Analysts should work in different places, understand what a good framework is, get certifications, work with risk professionals, work to think about problems you haven't come across before, use critical thinking, and use AI to help perform the mechanical parts of your job. [25:51] Always rely on your judgment, your relationships, and your understanding of the business you are in. [26:04] Justin shares that philosophy. He uses AI as a sounding board, to help him if he's stuck on an idea, to help him expand it. If he likes it, he'll go with it. He takes the output as a template and refines it. [26:31] Andréia says it's almost like having an assistant. If it gives you something different than what you asked for, you can restate your question. [26:41] Justin's daughter is getting into advanced math in middle school. He doesn't remember a lot of it. He's asked ChatGPT to help him come up with math questions for his daughter. It has been invaluable for that. [27:20] Andréia uses it for formulas in Excel. She says, You still have to know what you want. You can prompt it to help you remember how to do something. Justin says you need the foundational knowledge. [27:45] Andréia says foundational knowledge is what will set people apart in their profession, whatever profession it is. She would much rather know what she knows than have AI do something and not feel comfortable with it. The foundation is really important. [28:08] Special thanks again to Andréia Stephenson for joining us here on RIMScast! Keep an eye out for her on LinkedIn in those super cool CRO Certificate Program promotional videos. [28:21] Remember, we have two more cohorts coming up, one in January and one in April. Links are in this episode's show notes.  [28:29] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [28:57] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [29:15] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [29:33] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [29:49] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [30:03] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [30:15] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RIMS-Certified Risk Management Professional (RIMS-CRMP) RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS ERM Special Edition 2025 RIMS Now RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 Statement on the passing of RIMS Chief Membership Experience Officer Leslie Whittet Upcoming RIMS-CRMP Prep Virtual Workshops: "CBCP & RIMS-CRMP Exam Prep Bootcamp: Business Continuity & Risk Management" December 15‒18, 2025, 8:30 am‒5:00 pm EST, Virtual RIMS-CRMP Exam PrepJanuary 14‒15, 2026, 9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "James Lam on ERM, Strategy, and the Modern CRO" "RIMS ERM Global Award of Distinction 2025 Winner Sadig Hajiyev — Recorded live from the RIMS ERM Conference in Seattle!" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair" "Talking ERM: From Geopolitical Whiplash to Leadership Buy-In" with Chrystina Howard of Hub "Tom Brandt on Growing Your Career and Organization with ERM" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Andréia Stephenson, BSc SIRM, Enterprise Risk Analyst, London Metal Exchange   Production and engineering provided by Podfly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews two guests who presented at the RIMS ERM Conference 2025 in Seattle, Washington. First, Dr. Gav Schneider, Group CEO Risk 2 Solution Group and Founder, Institute of Presilience Risk 2 Solution, and second, Shreen Williams, Founder & CEO, Risky Business SW, LLC, and a member of the RIMS Rising Risk Professional Advisory Group. Dr. Schneider explained the meaning of Presilience and risk intelligence in ERM. Shreen Williams discussed the cognitive biases that can be mitigated through the six stages of an ERM Framework. Listen for insights into implementing an ERM Framework in your organization.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our interviews were recorded live on site at the RIMS ERM Conference 2025 in Seattle. Our guests are Dr. Gav Schneider and Shreen Williams. We're going to have fun in this episode! But first… [:48] The next Virtual RIMS-CRMP Exam Prep will be held on December 9th and 10th. From December 15 through the 18th CBCP and RIMS will present the RIMS-CRMP Exam Prep Boot Camp. [1:05] Another virtual course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:18] RIMS Virtual Workshops! "Managing Data for ERM" will be led again by Pat Saporito. That session will start on December 11th. Registration closes on December 10th. RIMS members always enjoy deep discounts on the virtual workshops. [1:37] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:48] The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is hosted by the famous James Lam. This is a live, virtual program that helps elevate your expertise and career in ERM. [2:01] You can enroll now for the next cohort, which will be held over 12 weeks from January through March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort held from April through June of 2026. Registration closes on April 6th. [2:21] Links to registration and enrollment are in this episode's show notes. [2:25] This episode was recorded at the RIMS ERM Conference 2025. We've covered a lot of ERM ground in the last few episodes, and for those who want to catch up, I've included a link to the RIMS ERM Special Digital Edition of Risk Management magazine in this episode's notes. [2:49] RIMScast ERM coverage is linked as well. Enhance your ERM knowledge with RIMS. [2:54] On with the show! We are following up last week's episode with ERM Global Award of Distinction winner Sadig Hajiyev by featuring interviews with two of the presenters who appeared at the RIMS ERM Conference, Dr. Gav Schneider and Shreen Williams. [3:12] Long-time RIMScast listeners may remember Dr. Gav Schneider from an episode in November of 2023. We were delighted that he made the trip all the way from Australia to join us at the ERM Conference in Seattle. [3:27] Dr. Gav is the Group CEO at Risk2Solution Group and the Founder of the Institute of Presilience. The title of his session on November 17th was "Embedding Presilience and Risk Intelligence into ERM." This harkens back to his prior episode about wicked problems. [3:45] We're going to start there and discuss how presilience takes that thinking to the next level for ERM leaders, and we're going to get some of his risk philosophies and have a great time. Let's get to it! [3:56] Interview! Dr. Gav Schneider, welcome back to RIMScast! [4:24] Dr. Schneider is here at the RIMS ERM Conference for the first time. It's the second-highest-attended ERM Conference in RIMS history. His session, later today, is called "Embedding Presilience and Risk Intelligence into ERM." [4:54] On Dr. Schneider's last visit to RIMScast, he talked about wicked problems. How does presilience take that mindset and thinking to the next level for ERM? [5:08] Dr. Schneider says the core idea of ERM is about getting scalable decision-making, recording, and outcomes, in terms of risk, for your organization. More and more, our organizations are facing these wicked problems. [5:25] We can't function anymore in a world of absolutes. When we plug risk intelligence into the way we think, act, and plan, we become adaptive. We also become opportunity-centric. [5:37] A wicked problem is not easily solved. When you implement a solution, it often leads to more problems. You have to be able to learn. If you can't learn, you can't adapt. [6:17] What are the core components of the Presilience Framework? Dr. Schneider says, simplistically, we think about tackling risk at three levels: the self, the team, and the organization. Then we overlay that with people and process, connected through leadership. [6:34] To make that work, we have to develop a set of core attributes: situational awareness, critical thinking, enhanced decision-making, effective and directive coms, the ability to act and enact, and the ability to learn and grow. [6:46] When you can plug that into your architecture, leveraging insight, hindsight, and foresight, you then can make the right calls about whether or not to do something. It becomes an overlay model for most ERM-type structures, where we can plug the human piece into the system. [7:15] Dr. Schneider says the core aim of ERM turns risk management into a team sport, with everyone across an organization reporting, collaborating, and understanding to make great decisions about where the organization is and where it's going, not where we think it is. [7:32] To do that, we need to plug certain things into the ecosystem of the organization, some of which are policies, procedures, and tech. Most ERM experts do that. The piece that we've ignored is the human part, because it's hard. [7:49] Dr. Schneider has compiled The Organizational Risk Culture Standard. It took about nine months of work. It was a thorough process. Five experts wrote it, 15 peers reviewed it, and 11 organizations have approved it, endorsed it, and are supporting it. [8:09] For years, Dr. Schneider had heard that organizations would not focus on human-centricities that they couldn't measure. [8:17] Dr. Schneider's framework has 10 domains with a maturity model that aligns beautifully with RIMS's ERM Model. It's built to encapsulate and incorporate ISO 31000 and COSO. Dr. Schnieider has just released it, free to download. [8:39] Dr. Schneider is excited about presenting his session in a couple of hours. Everyone tells him that the RIMS ERM Conference is the sharp end of the spear, with the smartest risk people. The session is "Embedding Presilience and Risk Intelligence into ERM." [9:10] Session attendees will learn about risk intelligence. Dr. Schneider's definition is an applied attribute or living skill that enables you to seize upside opportunities while you manage potential negative outcomes. [9:44] When you speak of risk intelligence as a living skill and applied attribute, it becomes an ability to scale great decision-making. You want risk-intelligent people, working in risk-intelligent teams, empowered and structured into a risk-intelligent organization. [10:18] Dr. Schneider says if we can't get those three layers to integrate and work together, you get frustrated stakeholders. Get your ERM team working to get everyone to understand the basics of risk reporting, using the metrics, and sharing information. [10:33] Justin compares it to the gears in a watch. Dr. Schneider agrees; there's not one moving piece, it's a complex ecosystem in most organizations because humans are complex. We're relying on tech and on variables we don't control. [10:46] Dr. Schneider says, in the conference, everyone's accepted how disruptive the current climate is, how difficult it is to forecast, and how uncertainty and volatility are dominating. [10:59] With that in mind, we've got to think of it differently. You can't force people to adopt a system and think it will work. If you want to get a high-performance culture, ERM is an incredibly useful tool, but only if people want it, like it, want to use it, and understand the benefit it adds. [11:17] Dr. Schneider thinks ERM is going to take a massive leap forward because of generative AI and because we've done well in process-based risk management. There are models, standards, and tools we can reference on how to do this. [11:32] Why most organizations fail is that people don't understand people and the drivers people have. The one thing that Dr. Schneider would love people to take away from his session is that "I have to start with me." [11:43] Dr. Schneider continues. If I'm trying to get people to do something, I need to understand the voice in my head, what's coming out of my mouth, and what my actions are. If I can't control that, what makes me think I'm going to change organizational culture? [11:54] It starts with me. Then I can move to us, and we can get this high-performing risk team. If I can get a high-performing risk team, now we are ready to take it through the organization. We can be the real value-add. [12:06] The risk departments of the future are not going to be what they were or what they are now. They're not going to be compliance departments anymore. [12:14] Risk departments of the future are going to be insight, hindsight, and foresight departments. They're going to create understanding of what's happened, what's happening, and what we need to do to capitalize on opportunity, while we manage downside. [12:34] Dr. Schneider points out that if we're looking at the same thing, we see something different. That's great for managing bias, but terrible if we can't align because we'll each think we're right, and pull apart. [12:47] One of the missions is to develop adaptable, high-performing humans who can leverage tach, collaborate, and solve problems. That's the future of risk management. [13:05] Dr. Gav Schneider, I look forward to popping into your session today. It is called "Embedding Presilience and Risk Intelligence into ERM." [13:19] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [13:42] Registration is open for RIMS members. General registration and speaker registration will open on December 3rd. Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [13:55] Let's Bring out Our Next Guest, the Founder and CEO of Risky Business SW LLC, Shreen Williams! [14:05] If you are a regular reader of RIMS Risk Management magazine, you may recognize her name from the byline of a recent article, "How to Overcome Cognitive Biases in Risk Management." [14:19] Shreen is also a member of the Rising Risk Professional Advisory Group here at RIMS. She presented at the ERM Conference a session in the Foundational Level, called "Beating the Bias: Exposing and Combating Cognitive Biases in ERM." [14:35] Justin sat in on this session, and he had some follow-ups about cognitive biases and how they relate to ERM and risk management, generally. If you missed the session or have not yet read the article, this will give you a taste of what you missed or what you're going to read. [14:53] We're going to have a lot of fun! Let's get to it! [14:56] Interview! Shreen Williams, welcome to RIMScast! [15:05] Justin sat in on Shreen's session, "Beating the Bias: Exposing and Combating Cognitive Biases in ERM." Shreen explains that there are more than 150 biases from the standpoint of the psychology of human behavior. [15:29] Shreen focuses on the ones that are relevant to the ERM process. There are more than enough. In her presentation, Shreen focused on seven biases. The lifecycle for the ERM process has six stages. Five stages cover one bias each; the Risk Assessment stage covers two biases. [16:00] Justin mentions that for anyone who attended, the handout is available through the RIMS Events App. Shreen says she also put a QR code on the deck, so if you got the deck, you have that code, as well. [16:27] Shreen has an audio-visual platform she uses to get her thought leadership content out about what she loves most. She calls herself a risk nerd. She likes talking about the discipline in a way that's accessible and digestible to the end user. [16:43] Shreen says most of the time, you'll see the term ERM delivered in such a complex and jargon-filled way that it turns folks off who are not in this sector. That leads to confusion, overwhelm, and killing their engagement. [16:54] Shreen loves doing interviews to talk about the discipline in a way that is approachable, accessible, and digestible to the end user without any academic discipline. [17:05] In her session, Shreen said that cognitive biases often embed themselves in ERM processes without detection. Shreen describes a bias in the first stage of the ERM process life cycle, Identification. The bias that creeps in is Complexity Bias. [17:33] Shreen says that Complexity Bias is when organizations or people believe that the more complex something is, the more superior it is. It's not always true, and it's the worst posture to have in ERM. [17:48] Shreen gives a Complexity Bias example. A company hires a consultant to create an ERM Program and gets a 200-page framework to give to employees. The executives feel smart. The front-line employees are overwhelmed. It's too complex. It can't be operationalized. [18:13] You don't have consistent risk participation because the people don't know how to do it. [18:17] Shreen explains her technique to handle Complexity Bias. If you can't explain something in two minutes or less, go back to the table and try again. The more digestible you make the lingo, the more it will stick. [18:39] Shreen is a visual learner. She sees things clearly if you show them in an infographic. Different generations may learn differently. Shreen is very close to Gen Z. They keep her young! They also give her fresh perspectives on the discipline. [19:09] Ten years ago, most of the college curriculum for risk management was highly insurance-centric: actuary, underwriting, claims adjudication. [19:21] Shreen started in the banking sector, where ERM is prevalent and mature. Other industries didn't see the need for it. There were no regulatory requirements for it. [19:30] From the young people she coaches and mentors, Shreen has seen that universities are now teaching not only the insurance side but also ERM, and are framing the discipline as Risk Resilience.  [19:51] Shreen says young people are graduating with a broader perspective of the discipline, which opens opportunities for them. [20:00] Shreen has said she was the sober adult in the room while the leadership doused itself in champagne. She embraced that role when she joined the tech sector. Before then, Shreen worked for companies in heavily regulated industries: finance, transportation, and government. [20:18] Shreen says tech is completely night and day different from those industries. She says it's a hyper-close space. You have to get to things quickly and tell leaders what you are going to do immediately. You have about three minutes in front of the board. You have to be quick. [20:31] You have to be highly visual. You don't need 50 bullet points on the screen to make your point. You should be the expert. The visual just makes it more accessible to the people. [20:46] Shreen explains Premortem Analysis. We all talk about postmortems and after-actions. This makes ERM practitioners cringe. [21:05] Everything that happened was something you told the people was something on the table, and no one took you seriously, so now you're reactive and resolving whatever risk materialized. [21:16] Premortems are a favorite of Shreen's because you get to work through whatever that scenario is or that initiative is and flesh it out, from end to end. Then you reverse-engineer it and go back for each opportunity or risk you identify, good or bad, and you get to the best response. [21:30] If the initiative gets approved, you've already flushed out everything that could go wrong. [21:51] Shreen told a joke during the session that if you want your initiative to die, take it to ERM, and they'll tell you no. Shreen says, No, take it to ERM to get a clear and confident Yes. [22:14] Justin tells Shreen, You left us yesterday with a great sentiment that bias is not the enemy, blindness is. That hearkens back to everything in a premortem analysis. [22:27] Shreen's final words to the audience: "For those who are new to the discipline, do not be turned away or feel like you're not enough or something's wrong with you because you don't understand it. It's not you. It's likely the person or textbook you're getting information from. [22:40] "Most of the things that teach about ERM are highly theoretical. If you can find someone to align with, someone who's a mentor to you, see what they do, and how they go about it, highs and lows, you'll learn a lot more about the discipline hands-on than from any book. [22:55] Blindness and blind spots you cannot see. Sometimes you're focused like a racehorse with blinders on. With blinders on, you cannot avoid bias. Humans are a big part of the process. With humans come human biases. [23:21] The mitigant for bias is to have an awareness of it and have your little toolbox of those leading biases that you can go around to mitigate. [23:31] Justin says, Shreen, it's been such a pleasure. [23:36]  Special thanks once again to Dr. Gav Schneider and Shreen Williams for joining us here on RIMScast. They were fantastic speakers. I've got links to Dr. Schneider's prior episode and Shreen's RIMS Risk Management magazine article in this episode's show notes. [23:54] Be sure to check out last week's episode with Sadig Hajiyev, one of the two winners of the RIMS ERM Global Award of Distinction. For more ERM Conference coverage, check out the RIMS LinkedIn page for all sorts of photos, videos, and coverage of this fantastic event. [24:11] We had a great time, and we look forward to seeing you next year in Washington, D.C. for the RIMS ERM Conference 2026. [24:19] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [24:47] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [25:04] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [25:22] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [25:38] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [25:52] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [26:04] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RIMS-Certified Risk Management Professional (RIMS-CRMP) RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS ERM Special Edition 2025 RIMS Newsroom: "Two Dynamic ERM Programs Win Top Honor at RIMS ERM Conference 2025" RIMS Risk Management Magazine: "How to Overcome Cognitive Biases in Risk Management" RIMS Now RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 Upcoming RIMS Webinars: RIMS.org/Webinars   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep December 9‒10, 2025, 9:00 am‒4:00 pm EST, Virtual CBCP & RIMS-CRMP Exam Prep Bootcamp: Business Continuity & Risk Management December 15‒18, 2025,  8:30 am‒5:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule "Leveraging Data and Analytics for Continuous Risk Management (Part I)" | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: "RIMS ERM Global Award of Distinction 2025 Winner Sadig Hajiyev — Recorded live from the RIMS ERM Conference in Seattle!" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair" "AI and the Future of Risk with Dan Chuparkoff" (RIMS ERM Conference Keynote) "Talking ERM: From Geopolitical Whiplash to Leadership Buy-In" with Chrystina Howard of Hub "Shawn Punancy of Delta Flies High With ERM" "Tom Brandt on Growing Your Career and Organization with ERM" "James Lam on ERM, Strategy, and the Modern CRO" "Risk Quantification Through Value-Based Frameworks" "Solving Wicked Problems with Dr. Gav Schneider" (2023)   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025' | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Dr. Gav Schneider, Group CEO Risk 2 Solution Group / Founder Institute of Presilience Risk 2 Solution   Shreen Williams, Founder & CEO, Risky Business SW, LLC Also a member of the RIMS Rising Risk Professional Advisory Group   Production and engineering provided by Podfly.  

Sermon: Eternal Life Series: God's Perfect Servant Speaker: Ptr. Nathan Tee Scripture: Mark 10:17-31 While we think we can attain eternal life through our actions and knowledge, Jesus lovingly disagrees. This Sunday, Pastor Nathan Tee shows how Jesus highlights the impossibility of our pursuits, and instead guides us towards a reliance on God and the potential of life through Him. Sermon Notes: https://drive.google.com/file/d/1qYgA5BpMnuaD9FpdoFTB5YDWv5SJdviU/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/23/eternal-life/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 承受永生的藍圖 The Blueprint for Eternal Life Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音Mark 10:17-31 Translated to English by Sis. Sarah Lim 《馬可福音》記載了三段對話。耶穌在其中探討了如何獲得永生的問題。本週日，張國強牧師將深入解釋每一段對話，藉此闡明我們必須做什麼才能承受永生。 This week's passage in the Gospel of Mark covers three distinct conversations in which Jesus addresses the question of how to attain eternal life. This Sunday, Rev. Jeremiah Cheung examines each dialogue to share God's blueprint for inheriting eternal life. Sermon Notes: https://drive.google.com/file/d/1hAxvUqfP-Wb9iVOk1ype6QcBpIo4zTBT/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/23/the-blueprint-for-eternal-life/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Ang Pagtuturo Ni Christ Tungkol Sa Eternal Life Series: God's Perfect Servant Speaker: Rev. Michael Cariño Scripture: Mark 10:17-31 Hinamon ni Hesus ang paniniwala ng isang lalaki na makakamit ang kaligtasan sa pamamagitan ng mabubuting gawa. Ipinakita nito na hindi natin kayang makamit ang buhay na walang hanggan sa sariling pagsisikap. Ngayong Linggo, ipinaalala sa atin ni Rev. Mike Cariño na ang katiyakan ng kaligtasan ay hindi nakabatay sa gawa, kundi sa dalisay na pananampalataya — tulad ng sa isang bata — sa katauhan, pangako, at probisyon ni Kristo. Jesus challenged a young man's belief that he could earn salvation through good works, showing that we cannot achieve eternal life through our own efforts. This Sunday, Rev. Mike Cariño reminds us that we are assured of salvation not through works, but rather by pure, childlike faith in the person, promises, and provision of Christ. Sermon Notes: https://drive.google.com/file/d/1Qt5odp0MJjnzTjtkmdKg-tQHAstWX3VA/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/23/ang-pagtuturo-ni-christ-tungkol-sa-eternal-life/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 讓「小孩子」到主面前 Let the “Little Children” Come to the Lord Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音Mark 10:13-16 Translated to English by Deacon Daniel Go 當門徒阻止小孩子到耶穌面前時，究竟是什麼原因使耶穌如此惱怒 ？本週日，張國強牧師將探討門徒阻止小孩子的原因，並揭示天國的真理。 Why was Jesus so angered when the disciples prevented little children from coming to Him? This Sunday, Rev. Jeremiah Cheung explores the disciples' motives for stopping the children to reveal the truth about the Kingdom of Heaven. Sermon Notes: https://drive.google.com/file/d/14GxwkRpSbe_65dqbFvfGxA_96yZ4cs2F/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/16/let-the-little-children-come-to-the-lord/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Become Like Little Children Series: God's Perfect Servant Speaker: Rev. Jared Co Scripture: Mark 10:13-16 Jesus welcomes those who are humble and seemingly unimportant, challenging the notion that God's kingdom is reserved only for the prominent and influential. This Sunday, Rev. Jared Co explains the true nature of God's kingdom and explains why we must become like little children to enter it. Sermon Notes: https://drive.google.com/file/d/1WbdJu25xBL6JGO0aT0ARlJBWHx6B91An/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/16/become-like-little-children/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Batang-Bata Ka Pa Series: God's Perfect Servant Speaker: Ptr. Renz Raquion Scripture: Mark 10:13-16 Masyado bang mataas ang ating kumpiyansa sa ating pagka-mature sa buhay-Kristiyano kaya't hindi na natin binibigyang-pansin ang mga simple o may pananampalatayang tulad ng isang bata? Ngayong Linggo, ipinapaalala sa atin ni Pastor Renz Raquion na pinahahalagahan ng kaharian ng Diyos ang pagiging inosente at pagkakaroon ng dalisay na puso. Lumapit tayo sa Diyos nang may pagtitiwala at pananampalatayang tulad ng sa isang bata. Are we so sure of our maturity in our Christian walk that we have begun to overlook those whom we see as simple-minded or childlike? This Sunday, Pastor Renz Raquion reminds us that God's kingdom values innocence and simplicity. Let us draw near to God with childlike dependence and trust. Sermon Notes: https://drive.google.com/file/d/1zTG7u-GcKR7PEllNgy-zF2kd8-gyalG6/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/16/batang-bata-ka-pa/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 基督徒可以離婚又再婚嗎? Are Christians Allowed to Divorce and Remarry? Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音Mark 10:1-12 Translated to English by Elder Alex Gatchalian 不同教會對離婚與再婚的觀點各異，這使得人們難以釐清基督教對此議題的立場。本週日，張國強牧師將重新探討耶穌對此議題的觀點，藉此闡明聖經中關於離婚與再婚的相關原則。 Different churches have varying views on divorce and remarriage, making it difficult for believers to know the Christian stance on this issue. This Sunday, Rev. Jeremiah Cheung revisits Jesus' teachings on this subject to clarify the biblical principles related to divorce and remarriage." Sermon Notes: https://drive.google.com/file/d/10vjW91M7cek_k-DL-PcFGB4ittZWDYp4/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/09/are-christians-allowed-to-divorce-and-remarry/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Marriage and Divorce Series: God's Perfect Servant Speaker: Rev. Jared Co Scripture: Mark 10:1-12 If God intended marriage as a lasting union of a man and a woman, why does divorce exist? This Sunday, Rev. Jared Co shares insights on how the world distorts marriage and how we, as disciples of Christ, should reaffirm our commitment to sanctify marriage according to God's design. Sermon Notes: https://drive.google.com/file/d/1UHX4DjxSr3ipI0WoLco-Kf-5oUSrvx47/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/09/marriage-and-divorce/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Ang Sagot ni Jesus sa Tanong Tungkol sa Marriage at Divorce Series: God's Perfect Servant Speaker: Ptr. July David Scripture: Mark 10:1-12 Tinugunan ni Hesus ang isyu ng diborsiyo sa pamamagitan ng pagtuturo tungkol sa layunin ng Diyos para sa pag-aasawa. Ngayong Linggo, hinihikayat tayo ni Ptr. July David na galangin ang banal na disenyo ng kasal sa pamamagitan ng pagharap sa katigasan ng ating puso laban sa kalooban ng Diyos, at sa pagtataguyod ng karangalan ng bawat tao sa pamamagitan ng katotohanan, biyaya, at pagmamahal. Jesus addressed the issue of divorce during His time by teaching about God's purpose for marriage. This Sunday, Ptr. July David encourages us to respect the sacred design of marriage by confronting the hardness of our hearts against God's will, while dignifying people with truth, grace, and love." Sermon Notes: https://drive.google.com/file/d/1VO6iskJaxFqwGtvZiDMqk8Wc7C9e5q_N/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/11/ang-sagot-ni-jesus-sa-tanong-tungkol-sa-marriage-at-divorce/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Ang Panawagan Ni Christ to Live in Holiness Series: God's Perfect Servant Speaker: Rev. Michael Cariño Scripture: Mark 9:42-50 Ang tunay na pagsunod kay Jesus ay nagbubunga ng kabanalan, hindi lamang ng kaligayahan. Ang mananampalatayang namumuhay nang matuwid ay nakalulugod sa Diyos at sa kapwa. Ngayong Linggo, ipinaaalala sa atin ni Rev. Mike Cariño na ang tunay na alagad ni Kristo ay maingat sa kanyang impluwensya, umiiwas sa tukso at kasalanan, at nagdudulot ng pagkakaisa at mabuting ugnayan sa kapwa. Following Jesus should lead to holiness, not just happiness. A believer who lives righteously pleases both God and their neighbor. This Sunday, Rev. Mike Cariño reminds us that true discipleship involves choosing to guard our influence, removing what corrupts us, and fostering harmonious relationships. Sermon Notes: https://drive.google.com/file/d/1ugOkkdeJCwMAyhTKO7VGCMyeFhoN4Wmb/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/02/ang-panawagan-ni-christ-to-live-in-holiness/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 大件事 Serious Matter Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音 Mark 9:42-50 Translated to English by Elder Stanley Sy 耶穌視罪為大件事，祂絕不輕忽我們犯罪或引人犯罪的行為。本週日，張國強牧師將闡釋耶穌對待罪惡所採取的極端措施，因為使人跌倒會帶來永恆的後果。 讓我們謹慎自己的言行。 Jesus considers sin to be a serious matter, and He does not take it lightly when we sin or lead others to sin. This Sunday, Rev. Jeremiah Cheung explains the extreme measures Jesus used to address sin, because causing others to fall has eternal consequences. Let us guard our words and actions carefully. Sermon Notes: https://drive.google.com/file/d/1t-y71b5m0MiA8eapzrZ5oA6UrDh6QGM-/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/02/serious-matter/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: Radical Measures for a Life of Discipleship Series: God's Perfect Servant Speaker: Ptr. Joseph Ouano Scripture: Mark 9:42-50 Jesus emphasized the need for radical measures to address sin, highlighting the seriousness with which He viewed it. This Sunday, Pastor Joseph Ouano reminds us that true discipleship involves taking sin seriously so we can protect the faith of others, guard our own hearts, and submit to God's purifying work. Sermon Notes: https://drive.google.com/file/d/1LznAl3P_FkE7y1oohm4s9FJUPAsQlbmc/view?usp=drive_link On our website: https://cbcp.org/blog/2025/11/02/radical-measures-for-a-life-of-discipleship/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Sermon: 建橋者或是築牆者 Bridge Builders or Wall Builders Series: 神完美的僕人 God's Perfect Servant Speaker: 張國強牧師 Rev. Jeremiah Cheung Scripture: 馬可福音 Mark 9:38-41 Translated to English by Elder Alex Gatchalian 門徒攔住一個正在趕鬼的人，因為他們內心感到被團體外的人超越是一種威脅。本週日，張國強牧師分享了耶穌如何斥責門徒的這種行為，教導他們要為福音築起橋樑，而不是築起圍牆。 The disciples stopped a man who was casting out demons because they viewed capable people outside their group as a threat. This Sunday, Rev. Jeremiah Cheung shares how Jesus rebuked this narrow-mindedness, teaching His disciples not to build walls that keep people out, but rather build bridges that lead people to God. Sermon Notes: https://drive.google.com/file/d/1pNCR9sRw_LLLuERUn8kdk1MQnc19qdp0/view?usp=drive_link On our website: https://cbcp.org/blog/2025/10/26/bridge-builders-or-wall-builders/ Join a Life Group: https://cbcp.org/lifegroups Find an event: https://cbcp.org/events Learn how to give: https://cbcp.org/giving Website: https://cbcp.org Facebook: https://facebook.com/cbcponline YouTube: https://youtube.com/cbcponline Soundcloud: https://soundcloud.com/cbcponline Instagram: https://instagram.com/cbcponline

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Chrystina Howard, the ERM Leader of the Complex Risk Practice at HUB International. Chrystina relates a bit of her career and then explores topics around emerging disruptions such as climate change and extreme weather, geopolitical whiplash, the pandemic, and AI. Chrystina shares her recipe for organizational resilience and some tips for catching and holding the attention of the C-Suite and the board.   Listen for hints about Chrystina's upcoming webinar and her presentation on November 17th at the RIMS ERM Conference 2025 in Seattle, Washington.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is our live virtual program led by the famous James Lam. Great news! A third cohort has been announced, from January through March 2026. [:32] Registration closes January 5th. Enroll now! A link is in this episode's show notes. [:43] About this episode of RIMScast. We will talk all about ERM with Chrystina Howard, ERM Leader of the Complex Risk Practice at HUB International. But first… [1:10] RIMS-CRMP Prep Workshops! The CBCP and the RIMS-CRMP are presenting The Exam Prep Bootcamp for "Mastering Business Continuity and Risk Management" from November 3rd to 6th. That is a virtual course. [1:23] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:40] RIMS Virtual Workshops! RIMS has launched a new course, "Intro to ERM for Senior Leaders." It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:54] On November 11th and 12th, Chris Hansen will lead "Fundamentals of Insurance". It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on the virtual workshops! [2:13] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:24] RIMS Webinars! On October 30th, Swiss Re will present "Parametric Insurance: Providing Financial Certainty in Uncertain Times". On November 6th, HUB will present "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World". [2:45] Register at RIMS.org/Webinars. [2:48] The RIMS ERM Conference 2025 will be on November 17th and 18th in Seattle, Washington. [2:56] If you are a Washington resident who would like to attend, you can enjoy an exclusive $150 discount on your registration by entering the discount code ERM2025WA on the Review step of the registration form. Act quickly because this offer expires on Friday, October 31st. [3:18] This is your chance to expand your ERM knowledge, here in Washington. That brings us to today's guest, Chrystina Howard. Chrystina is the ERM Leader of the Complex Risk Practice at HUB International, and she will be one of the presenters at the RIMS ERM Conference in Seattle. [3:39] On November 17th, she will present "Talk ERM to Me: How to Get and Keep Attention from Management." On November 6th, she will be moderating the HUB International Webinar "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World." [3:59] Registration links for the conference and the webinar are in this episode's show notes. [4:04] On with the show! We're all about ERM in this episode, and I wanted to give you all a chance to get to know Chrystina a little bit, in case you want to meet with her virtually, in person, or both. Let's get to it! [4:14] Interview! Chrystina Howard, welcome to RIMScast! [4:22] We will see more of Chrystina soon, on November 17th and 18th, in Seattle, Washington, at the RIMS ERM Conference 2025. We're going to talk more about that in a bit. [4:39] Chrystina Howard spent a couple of decades with the Willis Towers Watson organization, where she looked after ERM consulting. She built out a platform and rolled it out, that is still going strong globally. [4:53] Chrystina says she was fortunate to come to the HUB International organization, with a great culture, where she kick-started an ERM Consulting Division. She's having a blast, helping clients get what they need in terms of risk management. [5:14] Chrystina says that when building the ERM Consultancy, she had a lot of great folks to work with and two decades under her belt of developing processes and models. She was set to go as soon as she arrived at HUB. [5:31] Chrystina says they have great specialization, and she is able to get into a lot of industry risk information that she may not have known, to build out the breadth of the consultancy. She helps people learn what ERM is, how it's used, how it works, and why people are interested in it. [5:53] Chrystina says, We're just guns blazing, now! [6:09] Chrystina says geopolitical risks are definitely at the forefront for organizations. This includes economic volatility around the globe, tariffs, and import/export regulations between countries, that will call the shots for some time.  [6:27] Chrystina says right along with geopolitical risks will be the effective use of AI. There are security concerns with AI. Some people are not comfortable with it. We're moving into a phase where we've got to put AI to work for us. How can we do that effectively and securely? [6:44] Chrystina says a lot of industries will have staffing challenges, particularly skilled workers. It will hit the healthcare industry pretty hard, along with agriculture, and construction. [6:58] Chrystina says she is seeing a bit of a resurgence in ESG risks. Despite the regulatory environment, people are keen to make sure that companies are being good environmental stewards, treating employees fairly, and behaving as the public thinks is appropriate. [7:41] AI will make data compilation and claims processing faster. Chrystina has been reading of physicians and medical practitioners using AI as a background double-check when they're working toward a diagnosis. [7:58] With its access to information, AI might ask, Your diagnosis is probably right, but did you consider this? We hope this will enhance the diagnostic process, and not take over. [8:11] There is a concern that there's pressure to use AI tools because your colleagues are using them. If you rely on it too much, that can also backfire. We're going to have to strike a balance. [8:40] Chrystina is an optimist when it comes to AI. AI tools can make shorter work of a lot of things in ERM, like scenario analysis; having a tool that will allow you to see multiple scenarios that maybe individuals couldn't come up with on their own, and make decisions from them. [9:06] Chrystina mentions automation for reporting and metric updates. Successful organizations that have the resources can use AI in ERM training, policy updates, and even collecting information through surveys and interviews. [9:23] Enhancing dashboards is a big focus going forward, getting a robust database that gives alerts and keeps everybody up to date. [9:35] Justin mentions crises of the past few years. The Baltimore Key Bridge collapsed a year ago, and we don't hear about it anymore. Justin asks, How can ERM leaders keep resilience and risk appetite aligned with long-term strategy, rather than reactive short-term fixes. [10:00] Chrystina thinks ERM, by nature, is focused on preparation and then response. It takes into account "left of loss." Before the incident occurs, how can we prepare ourselves the best and implement plans should something happen?  [10:16] Chrystina has seen organizations widely embrace ERM more readily following the successful navigation of crises. [10:24] It would behoove ERM leaders to seize that opportunity and make a great connection between the protection and preparation that ERM brought through the crisis to the strategic success of the organization. [10:40] ERM leaders may have to campaign a little bit still, but it's something they can point out to executives, and the selling of ERM will be a lot easier. [10:53] Quick Break! RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through the 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by October 30th! [11:12] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by October 30th, and you will also be entered to win a $500 raffle! Do not miss out on this chance to plan and score some of these extra perks! [11:26] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [11:37] Save the dates March 18th and 19th, 2026, for The RIMS Legislative Summit, which will be held in Washington, D.C. [11:46] Join us in Washington, D.C., for two days of Congressional Meetings, networking, and advocating on behalf of the risk management community. Visit RIMS.org/Advocacy for more information and updates and to register. [12:02] Let's return to our interview with Chrystina Howard! [12:08] Chrystina Howard is the ERM Leader of the Complex Risk Practice at Hub International. Justin asks Chrystina about ERM leaders needing to campaign. Chrystina is one of the featured presenters at the RIMS ERM Conference 2025 in Seattle, Washington, November 17th and 18th. [12:58] Chrystina's foundational session is called "Talk ERM to Me: How to Get and Keep Attention from Management." It is a solo session. She likes to be at the controls! [14:09] Chrystina says speaking about risk to management is a perennial struggle. One of the top questions she gets is how to translate ERM for the C-Suite so they understand the value of the work. [14:21] As risk management professionals, we often get excited about details that might not capture management's attention. [14:29] We have to think about things from the perspective of a CEO and a CFO. What things are important to them? What are they keeping an eye on? How does this relate to the bottom line? Connect those things. Connect risk management to strategy. [14:45] Demonstrate how the protection and preparation of things like Enterprise Risk Management support the execution of corporate strategy. When you're talking to the C-Suite, you've got to hit the high points, quick, like an elevator speech. [15:00] Link positive impacts of risk management to things that the C-Suite is focused on. Grab attention with things that are on their minds, like growth, M&A, performance volatility, how we're doing in the market, how these things play out, and how to help minimize volatility. [15:20] Chrystina says we see a lot of interest from private equity in the strategic business practice of ERM. That's a good thing for risk professionals to keep in mind as they campaign for ERM. There are other people who are keen to know about it. [15:48] ERM gets alerts about negative trends, but it's important to keep the positive news coming too about how they helped create a solution, minimize a threat, and protected the organization so that operations can continue and the strategy can go forward. [16:33] Chrystina says Streamline things. She approaches ERM from a practical and realistic perspective. She doesn't like a lot of jargon or a lot of metrics. She likes simple, streamlined stuff that everybody can get on board with. [16:51] Chrystina tells people, Don't boil the ocean. Participants and risk owners are going to get bogged down if they've got too many things to keep track of. Set up tiers of risks. Start at the top. What can we affect over the next year or two years? [17:10] Keep it practical and realistic. Limit the amount of information you collect. If you start adding different metrics and definitions, that can be a slippery slope. You have to train people how to do it. They have to remember what it's supposed to be. And there are updates to fill out! [17:33] Think about how often you're asking people to update. Every so often, have a blank-sheet risk assessment. Limit how often you do updates throughout the year. [18:14] Reporting intervals should be more than twice a year. Strict ERM practitioners are going to be monitoring risks and looking at the dashboard and the risk register, preparing all the time to report to management. [18:34] Risk owners are an important source of information. All of those folks already have a job; maybe a job and a half. We have to be careful about how we engage them so that we get robust information and we don't overwhelm them. [18:50] When we do updates, they should be limited but powerful. These are the big things that you want executives to know about. Once a year, when you do your board presentation, tell them these things are going great and you want to update them on these other things. Keep it simple. [19:19] One Final Break! As many of you know, the RIMS ERM Conference 2025 will be held on November 17th and 18th in Seattle, Washington. We recently had ERM Conference Keynote Speaker Dan Chuparkoff on the show. [19:36] He is back, just to deliver a quick message about what you can expect from his keynote on "AI and the Future of Risk." Dan, welcome back to RIMScast! [19:47] Dan says, Greetings, RIMS members and the global risk community! I'm Dan Chuparkoff, AI expert and the CEO of Reinvention Labs. I'm delighted to be your opening keynote on November 17th, at the RIMS ERM Conference 2025 in Seattle, Washington. [20:02] Artificial Intelligence is fueling the next era of work, productivity, and innovation. There are challenges in navigating anything new. This is especially true for risk management, as enterprises adapt to shifting global policies, economic swings, and a new generation of talent. [20:20] We'll have a realistic discussion about the challenges of preparing for the future of AI. To learn more about my keynote, "AI and the Future of Risk Management," and how AI will impact Enterprise Risk Management for you, listen to my episode of RIMScast at RIMS.org/Dan. [20:39] Be sure to register for the RIMS ERM Conference 2025, in Seattle, Washington, on November 17th and 18th, by visiting the Events page on RIMS.org. I look forward to seeing you all there. [20:50] Justin thanks Dan and looks forward to seeing him again on November 17th and hearing all about the future of AI and risk management! [20:58] Let's Conclude Our Interview with Chrystina Howard! [21:05] Justin reminds the listeners, Before we get to see Chrystina live at the ERM Conference 2025, she will be moderating a RIMS Webinar sponsored by HUB, titled "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World." [21:23] Chrystina says everyone is talking about this, and she's excited to get some great experts about it on the line. Justin notes that over the past few years, geopolitical volatility has intensified with trade wars, sanctions, and supply chain disruption. [21:54] Chrystina says there are so many, and they are interrelated. In conflict areas, everything gets turned upside-down. On a global basis, the U.S. economy has broad-reaching impacts. She would keep an eye on import/export trends. This global trade issue is so volatile and dynamic. [22:22] You cannot sleep on the changing regulations around the world. An important subset related to global trade is increasing requirements for in-country hiring and procurement. That will affect a lot of people with respect to where we grow things and get raw materials and tech. [22:51] Chrystina doesn't think we've seen the end of supply chain disruption. She mentions extreme weather from climate change. A large component of the outcome of climate change is energy security. She doesn't think we're clear of pandemics, either. [23:11] Justin says Hilary Tuttle, Editor of RIMS Risk Management magazine, told him something a year ago that has stayed with him. "We're not in post-pandemic anymore. We're in post-height-of-the-pandemic." It's still here. It's never going away. [24:11] Chrystina says there is no substitute for local knowledge and experience. The best way to approach a Global ERM Program across all of your jurisdictions is for ERM leaders to have deputies in each of the jurisdictions. [24:30] These deputies should have a very keen sense of the landscape in their region in terms of policy, risk, interactions, and trade, as well as an understanding of the big picture across the global organization. [24:46] Those people will be key to develop in all of your locations to support the ERM function. They have a job. It doesn't mean hiring extra staff. You can generally find people with that level of expertise locally, with a good understanding of the big picture, within your existing personnel. [25:15] Making that connection with individuals who know exactly what's happening there on the ground is crucial. Chrystina says that is the very best solution. [25:49] Chrystina says there are a number of stakeholders for any organization, internal and external. Chrystina is seeing favorable views from insurers toward companies and organizations that have implemented ERM globally. [26:07] Other key stakeholders also want assurances that there are plans in place to protect them. This goes back to the inception of ERM when there was serious mismanagement at companies like WorldCom and Enron. [26:23] Everybody's board was asking who's minding the store? This isn't going to happen to us, right? [26:27] All of this risk is ultimately going to roll up to your reputation. That's difficult but not impossible to quantify. You can demonstrate how ERM plans address global threats in an anecdotal fashion. That will communicate real value and put people's minds at ease. [26:52] You can do that in a country-specific way with partners in the countries to communicate the nuances, and give you information about how things work in there, why the risk is a problem, what are the drivers, what are the vulnerabilities, and how might this take place? [27:19] That session will be on November 6th. Chrystina will moderate it with Eric Howie, the Vice President for Complex Risk in Canada, and Will Mule, Global Risk Solutions Practice Leader for HUB. For that session, Chrystina asks listeners to send in their questions ahead of time. [28:00] The links to both the ERM Conference 2025 and the Webinar, "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World," are in this episode's show notes. [28:12] Chrystina, it's been lovely to see you again. I can't wait to see you virtually and in person. [28:21] Special thanks again to Chrystina Howard for joining us. Remember to register for the HUB November 6th Webinar, "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World," that she will be moderating. [28:32] On November 17th, Chrystina will be hosting the session, "Talk ERM to Me" (but she'll be talking to you), at the RIMS ERM Conference 2025! Registration links for the Webinar and for the RIMS ERM Conference 2025 are in this episode's show notes. [28:51] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [28:19] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [28:38] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [28:55] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [30:12] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [30:26] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [30:38] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Washington Residents — Enjoy $150 off ERM Conference Registration through Oct. 31! "RIMS-CRO Certificate Program In Advanced Enterprise Risk Management" | Jan‒March 2026 Cohort | Led by James Lam RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RISKWORLD 2026 — Members-only early registration through Oct 30! LAST DAYS! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now RIMS Professional Report: "Understanding Interconnected Risks" Upcoming RIMS Webinars: RIMS.org/Webinars "Parametric Insurance: Providing Financial Certainty in Uncertain Times" | Oct. 30, 2025 | Sponsored by Swiss Re "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World" | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: CBCP & RIMS-CRMP Exam Prep Bootcamp: "Mastering Business Continuity & Risk Management" | November 3‒6, 2025 "RIMS-CRMP-FED Exam Prep Virtual Workshop" — November 11‒12 Full RIMS-CRMP Prep Course Schedule "Intro to ERM for Senior Leaders" | Nov. 4‒5 | Instructor: Elise Farnham "Fundamentals of Insurance" | Nov. 11‒12 | Instructor: Chris Hansen "Leveraging Data and Analytics for Continuous Risk Management (Part I)" | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about ERM: "AI and the Future of Risk with Dan Chuparkoff" (RIMS ERM Conference Keynote) "Shawn Punancy of Delta Flies High With ERM" "Tom Brandt on Growing Your Career and Organization with ERM" "James Lam on ERM, Strategy, and the Modern CRO" "ERM, Retail, and Risk with Jeff Strege" "Bigger Risks with the Texas State Office of Risk Management" | Sponsored By Hillwood "ERMotivation with Carrie Frandsen, RIMS-CRMP" "Live from the ERM Conference 2024 in Boston!" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent (New!) "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant (New!) "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report" | Sponsored by AXA XL "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Chrystina Howard, ERM Leader, Complex Risk Practice, HUB International   Production and engineering provided by Podfly.