Podcasts about Coso

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Aprendemos a invertir con el profesor Carlos Lasvignes, de CML Bolsa. Después, repasamos los protagonistas del día en Wall Street. Por último, hacemos análisis de Wall Street con Joaquín Robles, analista de Banco BiG.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Lori Flaherty and Bill Coller of Paychex about how the ERM Team serves as the "conscience" of Paychex and how it operates within the organization. Some of the topics include winning the RIMS ERM Global Award of Distinction in 2024, structured peer reviews, risk rotation, a strong culture of risk management, interviewing new team members, fostering curiosity, and preparing for mergers and acquisitions. They talk about having the ear of the executive team and promoting a culture of risk management for the entire organization. Listen for tips on presenting to an audience of ERM practitioners.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. I'm delighted to be joined by Lori Flaherty and Bill Coller of the ERM Team at Paychex. They won the RIMS Global ERM Award of Distinction in 2024. We're going to talk all about their risk and RM philosophies. But first… [:53] The next RIMS-CRMP-FED Exam Prep with AFERM will be held on December 3rd and 4th. The next RIMS-CRMP Exam Prep with PARIMA will be held on December 4th and 5th. These are virtual courses. [1:10] 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! On November 19th and 20th, Ken Baker will lead the two-day course, "Applying and Integrating ERM." [1:31] "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. [1:46] 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. [1:59] The RIMS ERM Conference 2025 will be on November 17th and 18th in Seattle, Washington. The agenda is live, and this is the last week to register so click the registration link in this episode's show notes or visit the events page on RIMS.org. [2:16] The RIMS-CRMP Exam Prep will be held on-site, on November 15th and 16th in Seattle. You can learn more by clicking the link in this episode's show notes. [2:29] On with the show! Our guests today are winners of the RIMS Global Award of Distinction in 2024. Bill Coller and Lori Flaherty are past presenters at the RIMS ERM Conference. [2:44] They let us into their thought process a little bit this year in the RIMS ERM Q&A Series, with an interview titled, "Risk Optimized Decision-Making at Paychex." We will expand on that dialog a bit here today on RIMScast, so Let's get to it! [3:03] Interview! Lori Flaherty and Bill Coller, welcome to RIMScast! [3:21] Lori and Bill were winners of the RIMS ERM Global Award of Distinction in 2024, in Boston. [3:42] ERM is a passion for Lori and Bill. Bill says, You have to love it to be in it as long as we've been in it. It's always something new every day. There's always some new challenge that we have to keep our eyes on. [4:07] Lori has been in risk management, in different roles, for a little over 25 years. She has been with Paychex for eight years, leading the ERM Team. [4:31] Bill has been in risk management for over 20 years. He has been in the ERM space for about four years. [4:53] Lori loves the diversity on her team. In an ERM program, you need a diverse team without groupthink. Bill and Lori are not the same at all, and they complement each other. Bill agrees. [5:42] Lori says the whole risk organization at Paychex has more than 800 people, some were added due to the recent acquisition of Paycor. The ERM Team has about 10 people. [6:21] Justin says listeners can learn about the contributions Lori and Bill made during a complex and time-consuming acquisition by checking out the ERM Q&A from 2025, "Risk Optimized Decision-Making at Paychex", by Russ Banham, in this episode's show notes. [6:52] In the interview, Paychex described ERM as acting like the company's conscience. Lori says ERM, a small but mighty team within a large risk organization, may seem challenging to have the ear of leadership, but they have a direct line. [7:25] One of the values as a risk organization, as well as a Paychex organization, is talking about integrity. Integrity is a key cornerstone of the team. The ERM Team remains independent. [7:38] Although the ERM Team reports to the risk organization, where the risk organization sits within the enterprise, this is part of what enables the ERM Team to remain independent. ERM is not transactional or client-facing. [7:55] The ERM Team has strong partnerships with the Enterprise Strategy Team and other key leaders across the enterprise. Leaders count on the ERM Team and reach out to them. Being independent allows the ERM Team to be the conscience of the company. [8:29] Bill says, The ERM Team has several different risk review programs. They always have an actionable remediation plan that comes out of any risk review. They are reporting and remediating any residual risk. [8:54] Before the completion of any program, the ERM Team gains commitment from the risk owner to own the remediation plan. That allows the ERM Team to continually follow up and make sure that the remediation plan is taking form and remediating the risk. [9:19] It's easy when they get that commitment before the end of the program. That sets the stage. Then they follow up. [9:36] Bill says he is going through the process now to hire a new team member. He is looking for someone who has ERM experience. That can be difficult to find. There are a lot of people out there with experience who love the job they have, stay, and continue to build their programs. [10:17] First is true ERM experience. Outside of that, someone with internal audit experience, with the ability to view risks from a data-based perspective, and identify what could happen and how often it could happen, the impact of it happening, and how to mitigate the risk. [10:47] With any interviewing, you have to get the best that you can through many different characteristics and experiences. [10:57] Lori adds, We want someone who complements the diversity and the team. You can teach methodologies, like COSO, internal audit, and business processes. It's hard to teach people to be curious and to think from a risk mindset. [11:36] Those are key skills, no matter the role; certainly for this role. For anyone joining the team, it's that mindset. You need to remain curious. Channel your inner toddler, asking the why. [11:59] Quick Break! 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! [12:21] Registration closes January 5th. Enroll now. A link is in this episode's show notes. [12:29] Save the dates March 18th and 19th, 2026, for The RIMS Legislative Summit, which will be held in Washington, D.C. [12:37] 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. [12:52] We've got more plugs later. Let's return to our interview with Bill Coller and Lori Flaherty of Paychex! [13:10] Does inquisitiveness enhance the risk culture? Lori says that staying curious is key, especially when looking at remediation, defining risks, thinking about scenarios, and what could go wrong. Being curious opens your mind up to what could be. [13:47] Bill says it's tough to measure a strong risk culture. Bill looks at interactions with key partners across the enterprise. ERM meets with folks across the enterprise very frequently in Key Partnership Meetings. [14:13] The key partners are engaged with ERM, and they're having productive conversations. A lot of the risk programs the ERM Team performs are at the request of those partners. That's one way to measure a strong risk culture: full engagement and asking ERM to perform risk reviews. [14:33] Lori and Bill accepted the award last year, with Frank Fiorille. Lori says Frank is the Chief Risk Officer. He is the VP of Risk for Paychex. Lori and Bill report directly to Frank. He is over all the other risk teams, also. [15:15] Lori and Bill were heavily involved with the Paycor acquisition. Their involvement in the acquisition was critical. If you're in ERM and you're not a part of the M&A process, you should definitely be. It's aligning the strategic objectives of your company. M&A strategy is part of that. [16:13] The ERM Team is involved in the due diligence and the whole process. It's a critical part of your ERM program. [16:31] Bill explains that Risk Rotation is an ERM program. They bring in people from outside of the risk management organization to spend a week with the ERM Team. Since COVID< they do a lot of it virtually. Each of the risk disciplines comes to present interactively to those people. [17:17] The ERM Team shares exactly what they are doing and puts the people through exercises. Bill has a risk scoring exercise. He asks them to bring some risks that they face in their roles. Bill talks about impact, likelihood, and control effectiveness, and makes a heatmap. [17:57] Frequently, after a Risk Rotation, some will ask to participate in a future Risk Review. [19:02] Lori shares tips for presenting at a RIMS conference. Knowing your material and being passionate about the topic are important. A presenter should know the audience. You are the audience. What would you want to know? [19:24] When Lori goes to a session, she wants to know how to practically apply what this means. She wants some takeaways. She wants to know how the presenter is doing it, what's working, and what's not working. Keeping that in mind is super helpful. [19:42] When Lori has presented, she tells them, This is what's worked at Paychex. She can see the audience becoming much more engaged, even in the questions afterward. They're super interested in what worked. [20:30] Justin recalls how Lori was at the 2021 New York ERM Conference and how engaged she was in asking questions of that year's award winners, and what they had to do to win. [21:02] 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. [21:20] He is back, just to deliver a quick message about what you can expect from his keynote about "AI and the Future of Risk." Dan, welcome back to RIMScast! [21:30] 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. [21:45] 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. [22:03] 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. [22:22] 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. [22:33] Justin thanks Dan and looks forward to seeing him again on November 17th and hearing all about the future of AI and risk management! [22:41] Let's Return to Our Interview with 2024 RIMS Global ERM Award of Distinction Winners, Lori Flaherty and Bill Coller of Paychex! [22:57] Bill presented at the New York ERM Conference 2021, before he joined the ERM Team. Presenting is a great experience. Knowing your audience is a big part of it. He especially appreciates the questions from the audience. It's wonderful to have an engaged audience. [23:34] If you haven't presented in the past, Bill recommends it. It's a great experience. You just have to know your stuff before you get up there. Feel confident about it. [23:47] Justin advises, Definitely don't wing it! [24:01] Bill is a RIMS-CRMP holder. He has held the designation for about two years. He attended a virtual program to prepare for the test, and it was very beneficial. He had talked with people before and after they certified, who fully recommended it. That prompted him to certify. [24:59] Bill has been in risk management for a long time. It wasn't an easy certification, but he had a good basis to go from. He had to put the time in preparing for it. It felt great to pass. [25:45] Bill also took the James Lam course for CROs. He was in the first cohort. It was a great experience. Learning directly from James is incredible, hearing some of his stories from over the years, and being in a class with other risk professionals, and hearing their stories. [27:17] Lori says that AI is definitely on the Emerging Risk Register at Paychex. It has a very high velocity. The ERM Team has done a number of scenario analyses on the AI side through the years. They just completed another one. [27:36] In addition to AI, there are other emerging risks. Quarterly, the ERM Team issues a Key Risk Profile that highlights the emerging risks on the radar. They plot out all the risks they are monitoring. [28:00] On the radar currently are macroeconomic and geopolitical risks. They are looking at scenarios and repivoting after the election on November 4th. They spent a tremendous amount of time on the geopolitical risk and related macroeconomic impact. It's not going away soon. [28:34] AI is at the forefront. They just had a meeting, going through a scenario analysis on AI impacts. [28:45] Paychex is also leveraging AI. They have a number of tools they are using to build those scenarios. They are looking at controls around the governance structure for AI. It's a disruptor that has a lot of benefits. Disruption can be a great thing! [29:42] Justin asks what mindset they would need for another acquisition of the size of Paycor. Lori says, Stay curious and be involved early. From an ERM perspective, any merger or acquisition is triggered by the strategic objectives of the company.  [30:07] Understand what the goal is. How does this fit into the strategic objectives of the company? Keep your eye on the ball. Often, the other folks in the organization are focused on the details of how to integrate and how to get the deal done. [30:23] It's up to us, as ERM professionals, to keep our eye on the ball. Is this fitting within our risk appetite? Keep your eye on strategic objectives and big-picture risks. [30:36] Bill says curiosity is the biggest characteristic to look for in new team members. Asking questions about why things are happening and why certain things are not happening. And the drive to insert yourself where you need to be to make sure that you're involved and engaged. [31:23] Justin says you've given us a lot to think about, with the ERM Conference coming up on November 17th and 18th. [31:34] The Q&A about Paychex's big win last year is in this interview's show notes. Justin says, It's been a pleasure getting to know you both over the last few years. I look forward to seeing you at another RIMS event. Congratulations again on winning the ERM Award of Distinction. [32:06] Lori says the award is prominently displayed, with a light on it, in the Paychex front lobby. Justin asks for a photo of it displayed to show that it is held in high regard. He says, You both did great. I really appreciate your time. [32:40] Special thanks to Bill Coller and Lori Flaherty of Paychex for joining us today here on RIMScast. A link to their special ERM Q&A Series article, "Risk Optimized Decision-Making at Paychex", is available in this episode's show notes. [33:00] Be sure to look for an upcoming installment of the RIMS-CRMP Stories Series, with Bill Coller, since he is a RIMS-CRMP holder. Congratulations again to them for winning the RIMS ERM Global Award of Distinction in 2024. [33:17] 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. [33:46] 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. [34:04] 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. [34:22] 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. [34:38] 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. [34:53] 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. [35:04] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 | Register Now Pre-ERM Conference RIMS-CRMP-Prep | Onsite in Seattle, November 15‒16, 2025 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 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 ERM Q&A Interview with Bill Coller and Lori Flaherty (2025) "RIMS Honors Three Organizations with the 2024 Enterprise Risk Management Global Award of Distinction" Upcoming RIMS Webinars: RIMS.org/Webinars   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep with AFERM Virtual Workshop — December 3‒4 RIMS-CRMP Exam Prep with PARIMA — December 4‒5, 2025 Full RIMS-CRMP Prep Course Schedule "Applying and Integrating ERM" | Nov 19‒20, 2025 | April 4, 2026 "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) "Energizing ERM with Kellee Ann Richards-St. Clair" "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" "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: "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant (New!) "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: Lori Flaherty, Paychex Bill Coller, Paychex   Production and engineering provided by Podfly.  

Aligning risk management with business goals is essential for driving business objectives. In this episode, we discuss how risk managers can effectively connect risk management to business objectives and create measurable outcomes Our special guest, AnilKumar JK, Senior Director of CyberGRC Product Management at MetricStream, shares his expert insights on strategic risk alignment, leveraging frameworks like COSO and Value at Risk, and the importance of fostering a strong risk culture. Discover how organizations can better prioritize risks, implement effective governance, and use tools such as data categorization and the CIA triad to align risk management with core business strategies. AnilKumar also highlights the transformative role of AI in streamlining risk assessment and monitoring, and explains the difference between risk appetite and tolerance, offering actionable tips to improve decision-making. If you want to be our guest or suggest a guest, send your email to info@globalriskconsult.com with the subject line "Guest Proposal."

La Fundación Grupo Jorge y la Fundación Caja Rural de Aragón organizan el primer concierto solidario anual, con el objetivo de apoyar a David, un niño de 13 años que lucha contra la Distrofia Muscular de Duchenne. El concierto se celebrará el jueves 13 de noviembre a las 19:00 horas, en el Salón de actos de Caja Rural de Aragón (Coso 29, Zaragoza), con entrada gratuita.

En la segunda hora del programa de hoy, nombramos las claves internacionales más importantes del día. Hacemos foco en ellas y las analizamos en la tertulia global con José Antonio Gurpegui, Catedrático de Estudios Norteamericanos. Director del Instituto Franklin-UAH y Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Por último, hacemos análisis de Wall Street con Marc Ribes, cofundador de Blackbird.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Aprendemos a invertir con el profesor Carlos Lasvignes, de CML Bolsa. Después, repasamos los protagonistas del día en Wall Street. Por último, miramos al minuto de oro en mercados con David Fernández socio director de CML Bolsa.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Por último, hacemos análisis de Wall Street con Javier Barallat, asesor patrimonial de Caser Asesores Financieros.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Por último, hacemos análisis de Wall Street con Javier Etcheverry, chairman de GBO Madrid, inversor profesional y analista de mercados.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Aprendemos a invertir con el profesor Carlos Lasvignes, de CML Bolsa. Después, repasamos los protagonistas del día en Wall Street. Por último, miramos al minuto de oro en mercados con David Fernández socio director de CML Bolsa.

Hablamos con la empresaria y escritora Loredana Vitale, sobre el ciclo de encuentros con escritoras, "Leer para ver", que organiza la Fundación Caja Rural de Aragón. La primera jornada se celebrará el próximo 3 de octubre en la sede central de la entidad, en Coso 29 de Zaragoza, y ofrecerá un encuentro con la escritora y comunicadora María de León. Marta Robles, Paula Ordovás, o Bisila Bokoko, entre otras.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Por último, hacemos análisis de Wall Street Joaquín Robles, analista de Banco BiG.

¡Bienvenidos a un nuevo episodio de El Calabozo del Reverendo Wilson! En formato Redux, hoy analizamos una de las piezas más singulares, transgresoras y perturbadoras que ha dado la cinematografía española. Con profundo calado underground, y como una pieza soterrada dentro del audiovisual de nuestro país, el cineasta Ángel García del Val dirigió en 1981 "Cada ver es...", un documental que se centra en el día a día de Juan Espada del Coso, tanatopractor de profesión. Con un enfoque intimista y discursivo, y utilizando técnicas de filmación que llegan a rescatar herramientas del más realista cine de terror, esta pieza es una indispensable muestra del llamado cine maldito español, y aquí será analizada en compañía del cortometrajista underground, Miguel Ángel Muñiz. Enjoy! Si te ha gustado el programa, recuerda que tienes la posibilidad de ayudar a El Calabozo del Reverendo Wilson dándole a "Me gusta". ¡Gracias y feed the cvlt!

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Aprendemos a invertir con el profesor Carlos Lasvignes, de CML Bolsa. Miramos al minuto de oro en mercados con David Fernández socio director de CML Bolsa.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Aprendemos a invertir con el profesor Carlos Lasvignes, de CML Bolsa. Miramos al minuto de oro en mercados con David Fernández socio director de CML Bolsa.

Nuestra editora, Juli Elffman vuelve para denunciar lo que nadie se anima a denunciar en este país.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Miramos al minuto de oro en mercados con Marc Ribes, cofundador de Blackbird.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Miramos al minuto de oro en mercados con Pedro Escudero, fundador y CEO de Doma Perpetual.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Miramos al minuto de oro en mercados con Víctor Alvargonzález, CEO y fundador de Nextep Finance.

In today's digital-first world, understanding IT risk is essential for building secure and compliant organizations. This episode dives deep into Domain 2 of the CRISC certification—IT Risk Assessment—giving you the knowledge to identify, evaluate, and respond to risks effectively.Explore core risk assessment methodologies, enterprise risk frameworks, and real-world IT risk scenarios. Learn how to align risk strategies with business goals, implement risk mitigation techniques, and enhance your organization's resilience.Whether you're prepping for the CRISC exam or advancing your IT governance career, this session delivers actionable strategies, expert tips, and a clear path to professional growth.

Welcome to the Daily Compliance News. Each day, Tom Fox, the Voice of Compliance, brings you compliance-related stories to start your day. Sit back, enjoy a cup of morning coffee, and listen in to the Daily Compliance News. All, from the Compliance Podcast Network. Each day, we consider four stories from the business world, including compliance, ethics, risk management, leadership, or general interest, relevant to the compliance professional. Top compliance stories: DOJ fires Maxwell prosecutor. (WSJ) ABC heads to the BVI to find out why it is dragging its feet. (The Guardian) COSO pulls its Corporate Governance Framework (Radical Compliance) Samsung boss cleared of fraud charges. (BBC) You can donate to flood relief for victims of the Kerr County flooding by going to the Hill Country Flood Relief here. Learn more about your ad choices. Visit megaphone.fm/adchoices

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Miramos al minuto de oro en mercados con Javier Cabrera, analista independiente.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Aprendemos a invertir en bolsa con el profesor Carlos Lasvignes de CML Bolsa. Después, repasamos los protagonistas del día en Wall Street. Miramos al minuto de oro en los mercados con David Fernández, socio director de CML Bolsa.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street.

En la segunda hora del programa de hoy, repasamos las claves internacionales más importantes del día. Actualidad geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Profundizamos en clave internacional y hacemos repaso de mercados. Por último, hacemos «Conexión México» con José Ricardo Rangel, Socio fundador de Thierry Finance

Bajo una intensa presión del presidente Donald Trump y el objetivo de un rearme ante la amenaza rusa, los líderes de la OTAN acordaron elevar a un histórico 5% de su PIB el gasto en defensa para 2035. No obstante, España se desligó de esa meta y fue puesta contra las cuerdas por Washington, que le advirtió medidas en el plano comercial.  La OTAN aumentó su presupuesto de seguridad, tal como lo había exigido el presidente de Estados Unidos, Donald Trump. La alianza militar pactó subir del 2 al 5% del PIB de cada país la inversión para los requisitos básicos de defensa. Pero no todos estuvieron de acuerdo, como España. "Los líderes de la OTAN acordaron el plan de inversión en defensa de La Haya. Esto impulsará un salto cuántico en nuestra defensa colectiva”, aseguró el miércoles el secretario general de la alianza, Mark Rutte. El nuevo porcentaje, que había venido exigiendo Trump, responde a las “profundas amenazas y desafíos a la seguridad, en particular la amenaza a largo plazo que representa Rusia para la seguridad euroatlántica y la amenaza persistente del terrorismo”, según reza la declaración de los líderes. Sin embargo, España, que se apartó de ese incremento y afronta ahora las advertencias de medidas comerciales de Washington, asegura que le inquieta que, en lugar de subrayar el tema del gasto, el presidente estadounidense no hubiese hecho "ni una sola mención" a Ucrania y Gaza, "esos focos tan terribles que está viviendo la humanidad". “Lo que ha hecho España es terrible”, dijo Trump. Y añadió: “Estamos negociando con España un acuerdo comercial; vamos a hacerles pagar el doble. Y eso lo digo en serio”. La ministra de Defensa, Margarita Robles, respondió que España quiere tener las mejores relaciones con sus socios de la alianza, pero "no acepta lecciones de nadie". Leer tambiénArtículo 5: ¿por qué Trump aviva el debate sobre el compromiso de defensa mutua de la OTAN? ¿Ganó Trump con el aumento del presupuesto de la OTAN? ¿Qué plantea la alianza respecto a Rusia y Ucrania? Para analizar el tema, participan en El Debate dos invitados. - Desde La Plata (Argentina) Juan Alberto Rial, profesor de Derecho Internacional y secretario del Instituto de Relaciones Internacionales de la Universidad Nacional de La Plata, profesor de la Maestría en Defensa Nacional de la Universidad de la Defensa Nacional. - En Madrid, Emiliano García Coso, analista geopolítico y profesor de Derecho Internacional y Derecho de la Unión Europea en la Universidad Pontificia Comillas.  

The award-winning Compliance into the Weeds is the only weekly podcast that takes a deep dive into a compliance-related topic, literally going into the weeds to explore a subject more fully. Are you seeking insightful perspectives on compliance? Look no further than Compliance into the Weeds! In this episode of Compliance into the Weeds, Tom Fox and Matt Kelly discuss the recently released COSO Corporate Governance Framework. Tom and Matt take a deep dive into the new COSO Corporate Governance Framework draft. They discuss the importance of public comment on the draft, which is open until July 11, and explore the framework's six key components. The framework aims to provide discipline in achieving good governance within organizations, covering areas such as strategy, culture, human resources, and resilience. Kelly highlights the significance of culture in compliance and the role of information quality in the future, providing practical tips on implementing and testing the framework. The episode highlights the importance of this framework for various stakeholders, encouraging practitioners to review and provide feedback on the draft. Key highlights: Overview of COSO's Draft Corporate Governance Framework The Six Objectives of the Framework Importance of Culture in Compliance Principles and Points of Focus Resilience in Corporate Governance Resources: Matt Kelly in Radical Compliance Tom Instagram Facebook YouTube Twitter LinkedIn A multi-award-winning podcast, Compliance into the Weeds, was most recently honored as one of the Top 25 Regulatory Compliance Podcasts, a Top 10 Business Law Podcast, and a Top 12 Risk Management Podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Entrevista geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Aprendemos a invertir con el profesor de CML Bolsa, Carlos Lasvignes. Después, repasamos los protagonistas del día en Wall Street. Por último, miramos al minuto de oro en mercados con David Fernández, socio director de CML Bolsa.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Seguimos con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Por último, miramos mercados con Javier Cabrera, analista de mercados.

En la segunda hora del programa de hoy, repasamos las claves internacionales más importantes del día. Hacemos tertulia geopolítica con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Seguimos profundizando en mercados y en las noticias globales más destacadas y por último, hablamos con Kevin Obregón, fundador y CMO Kymi, la tecnología que empodera al productor agrícola.

En un entorno empresarial cada vez más cambiante, los equipos de auditoría, control y gestión de riesgos deben mantenerse ágiles, actualizados y alineados con los objetivos estratégicos de la organización. En este episodio, exploramos cómo la capacitación estratégica se convierte en el motor que impulsa esa transformación.Desarrollamos por qué invertir en formación no es solo responsabilidad de Recursos Humanos, sino una decisión clave de liderazgo para garantizar equipos competentes, resilientes y con visión de futuro.Hablamos de los marcos de referencia clave (IIA 2023, COSO, ISO 31000), las habilidades más demandadas —desde pensamiento crítico hasta storytelling— y cómo un enfoque bien diseñado puede convertir a los equipos en socios estratégicos del negocio.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Seguimos con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Aprendemos a invertir en bolsa con el rpofesor Carlos Lasvignes, de CML Bolsa. Después, repasamos los protagonistas del día en Wall Street. Por último, analizamos el minuto de oro con David Fernández, socio director de CML Bolsa.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Seguimos con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Por últimos, hacemos el minuto de oro en mercados con Javier Cabrera, analista de mercados.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Seguimos con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Por últimos, hacemos el minuto de oro en mercados con Antonio Castelo, analista de iBroker.

En nuestra portada de hoy, nombramos las claves internacionales más importantes del día. Seguimos con Emiliano García Coso, profesor de Derecho internacional y Relaciones Internacionales de Comillas ICADE. Después, repasamos los protagonistas del día en Wall Street. Por últimos, hacemos el minuto de oro en mercados con Antonio Castelo, analista de iBroker.

Washington y Kiev alcanzaron finalmente un acuerdo para la explotación de minerales, que coincidió con los 100 días del regreso de Donald Trump a la Casa Blanca. El texto del pacto lo describe como "una demostración tangible del apoyo de Estados Unidos a la seguridad y prosperidad de Ucrania". ¿Qué contempla y cómo impactará el curso de la guerra con Rusia? Es el tema de El Debate. ¿Este acuerdo acabará con los cambios de postura de Trump sobre la guerra? ¿Significa alguna garantía de seguridad para Kiev? ¿Será una presión para Rusia? Para analizar el tema, participan en El Debate dos invitados.- Marcelo Montes, doctor en Relaciones Internacionales y experto en política exterior rusa.- Emiliano García Coso, profesor de Derecho Internacional y Derecho de la Unión Europea en la universidad Pontificia Comillas de Madrid.

Riad, la capital de Arabia Saudita, fue el escenario elegido por el secretario de estado estadounidense Marco Rubio y por el canciller ruso, Serguei Lavrov, para retomar relaciones bilaterales y avanzar en una negociación por la paz en Ucrania. Un encuentro que el presidente ucraniano, Volodimir Zelenski, asegura que no le fue anunciado y tras el cual reiteró que no habrá paz si Ucrania no hace parte del proceso. En medio de los acercamientos de EE. UU. y Rusia, Europa ve cómo desde Washington llegan mensajes preocupantes: su voz parece que no tendrá demasiado peso en un proceso de negociación sobre la guerra y Bruselas deja claro que ellos han sido quienes más ayuda han aportado a Ucrania.Leer tambiénEstados Unidos elige reparar su relación con Moscú y abre la grieta con Europa¿Es posible llegar a un acuerdo sin contar con Ucrania y con Europa? Para analizar el tema, participan en El Debate dos invitados.- Emiliano García Coso, profesor de Derecho Internacional y Derecho de la UE en la Universidad pontifica de Comillas en España.- Marcelo Montes, doctor en Relaciones Internacionales y experto en temas rusos.

Welcome to Multiverse News, Your source for Information about all your favorite fictional universes Reliable scooper Jeff Sneider claims Marvel Studios is actively looking for an actor to play T'Challa/The Black Panther, replacing the late Chadwick Boseman who passed away in 2020. According to Sneider, the studio's replacement of Boseman is only due to the fact that the MCU is working within the Multiverse currently. In related news, when asked during an interview about a dream role, Wicked star Cynthia Erivo said she would “really want to play Storm,” to “uncover how grand she is,”. Lastly, an OG villain is returning to the MCU, with Faran Tahir coming to the small screen to reprise the character of Raza, the leader of the so-called Ten Rings from 2008's Iron Man.  In some confirmed casting news, Rory McCann will replace the late Ray Stevenson as Baylan Skoll for Ahsoka season two. McCann is best known for playing The Hound in Game of Thrones, but his roster of work also includes Gladiator II, Hot Fuzz, Clash of the Titans, and more. Ahsoka is part of Dave Filoni and Jon Favreau's Mandoverse, and Filoni will return as showrunner for season two. Director Andy Muschietti let it be known why he thinks the 2023 DCEU movie The Flash, flopped. On Radio Tu's “La Baulera del Coso” show, Muschietti said the film didn't appeal to “all four quadrants” of moviegoers. The quadrants he's speaking of are men over 25, men under 25, women over 25, and women under 25. Muschietti also said anecdotally that in conversations with people he found they “just don't care about the Flash as a character…particularly the two female quadrants.” Colman Domingo has been cast in Edgar Wright's The Running Man and will star alongside Glen Powell, Josh Brolin, Karl Glusman, Katy O'Brian and Daniel Ezra. The film releases on November 7. Production on many Hollywood television and film projects has been suspended and events such as The Critic's Choice Awards, red carpet premieres, and The Academy Awards nominations have been postponed due to the LA area wildfires. Five-time WWE world champion Seth Rollins has confirmed he is not in upcoming MCU movie Captain America: Brave New World, saying his role was cut following extensive rewrites of the script and subsequent reshoots. Universal Pictures has updated the release date calendar for two animated properties. DreamWorks' Shrek 5 has been pushed back almost 6 months to December 23, 2026 and Minions 3 from Illumination is moving forward almost a year to take Shrek 5's original date of  July 1, 2026. Variety reported today that MCU screenwriting veteran Marcus McFeely originally turned the Russo Brothers down about writing for Secret Wars, even though he is the reason the directing duo is returning. However, the next day McFeely called the Russos back and said he was in after coming up with an idea for the film. Warner Brothers is bringing back The Puppy Bowl for its 21st installment this year, but will use the game to bolster its upcoming DCU film Superman. James Gunn will appear during The Puppy Bowl with his dog Ozu, who served as the inspiration for the superdog Krypto in the film. Gunn will introduce a sneak preview of Superman and deliver a “special message” to viewers. According to box office tracking service Quorum, Captain America: Brave New World will likely cross the $100 Million Dollar Mark in it's opening 4 day weekend Ludwig Göransson will compose the score for Christopher Nolan's upcoming adaptation of The Odyssey. Göransson's other film and TV credits include Creed, Black Panther, Atlanta, Tenet, and The Mandalorian. Succession creator Jesse Armstrong has reached an agreement with HBO to produce a feature film. The movie is based on an original idea of Armstrong's and will center on four friends who meet up in the midst of a global financial crisis. Production is currently fast-tracked to start later this year.

Dwieście trzydziesty dziewiąty odcinek z szybkiej serii ESPRESSO, w którym poznasz słówko COSO, czyli "to, tamto" po włosku.

On this episode we interview Katie Olsen who lives in Ridgecrest, California. On the edge of the Coso Range and a stone's throw away from Little Lake and Fossil Falls - prominent rock art locations in the Coso Range. She shares her feelings and background as a woman and female and mother with academic training in art history as she helps us to understand the rock art of the Cosos with a special emphasis on the animal humans that are patterned and solid bodied and expresses an explicit emphasis on the female side of the human experience.Transcripts For rough transcripts of this episode go to https://www.archpodnet.com/rockart/128Contact Dr. Alan Garfinkel avram1952@yahoo.com Dr. Alan Garfinkel's Website Support Dr. Garfinkel on PatreonArchPodNet APN Website: https://www.archpodnet.com APN on Facebook: https://www.facebook.com/archpodnet APN on Twitter: https://www.twitter.com/archpodnet APN on Instagram: https://www.instagram.com/archpodnet Tee Public StoreAffiliates and Sponsors California Rock Art Foundation Motion

On this episode we interview Katie Olsen who lives in Ridgecrest, California. On the edge of the Coso Range and a stone's throw away from Little Lake and Fossil Falls - prominent rock art locations in the Coso Range. She shares her feelings and background as a woman and female and mother with academic training in art history as she helps us to understand the rock art of the Cosos with a special emphasis on the animal humans that are patterned and solid bodied and expresses an explicit emphasis on the female side of the human experience.Transcripts For rough transcripts of this episode go to https://www.archpodnet.com/rockart/128Contact Dr. Alan Garfinkel avram1952@yahoo.com Dr. Alan Garfinkel's Website Support Dr. Garfinkel on PatreonArchPodNet APN Website: https://www.archpodnet.com APN on Facebook: https://www.facebook.com/archpodnet APN on Twitter: https://www.twitter.com/archpodnet APN on Instagram: https://www.instagram.com/archpodnet Tee Public StoreAffiliates and Sponsors California Rock Art Foundation Motion

Conversamos con Alegría Blan, propietaria del Bar Brasil y encargada de lanzar el Cohete Anunciador de San Lorenzo. Paseamos entre fotografías de las fiestas de otras décadas con el fotógrafo Víctor Ibáñez, escuchamos la música de Olga y los Ministriles e iniciamos un periplo por el Coso desde la pastelería Ascaso con Rafa Moyano.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   This episode of RIMScast is proudly sponsored by Hillwood. Hillwood is a leading multinational real estate development company and part of the Perot family of companies. For more information, visit Hillwood.com.   Justin Smulison interviews four guests today, SORM Executive Director, Stephen Volbrecht, SORM Division Chief of Strategic Programs, James Cox, SORM Chairman of the Board of Directors, Gerald Ladner, Sr., and DFW RIMS Chapter Board Member Penni Chambers. The discussion covers the various roles of Stephen, James, and Gerald in SORMS, the purpose and development of SORMS over the years, and how SORMS manages risks for all the state of TEXAS. They also speak of the upcoming RIMS DFW 2024 Fall Conference on September 19th at the Irving Convention Center in Irving Texas and what they will present there.   Listen in for ERM wisdom and a preview of the RIMS DFW 2024 Fall Conference. Key Takeaways: [:01] About our sponsor, Hillwood. [:13] About this episode of RIMScast, coming to you from RIMS Headquarters in New York. Our guests are from the Texas State Office of Risk Management. [:37] First, let's talk about RIMS Virtual Workshops. The full calendar of virtual workshops is at RIMS.org/VirtualWorkshops. August 15th kicks off the three-part series, Leveraging Data and Analytics for Continuous Risk Management. Other dates for the Fall and Winter are available on the Virtual Workshops full calendar at RIMS.org/VirtualWorkshops. [1:01] Let's talk about prep courses for the RIMS-CRMP. The next virtual offering will be on August 7th and 8th, a RIMS-CRMP Exam Prep along with Utah Valley University. [1:13] The next RIMS-CRMP-FED Exam Prep course will be hosted along with George Mason University on December 3rd through 5th, 2024. Links to these courses can be found on the Certification Page of RIMS.org and in this episode's show notes. [1:28] Registration opened for the RIMS Canada Conference 2024 which will be held from October 6th through the 9th in Vancouver. Visit RIMSCanadaConference.ca to register. All RIMS regional conference information can be found on the Events page at RIMS.org. [1:47] We would like to extend a big “Thank You” to today's sponsor, Hillwood. Hillwood is a leading multinational real estate development company and part of the Perot family of companies. Hillwood's diverse portfolio includes industrial, logistics, corporate offices, retail, aviation, and multi-family housing developments. [2:05] Notably, Hillwood's Alliance Texas project has generated over 66,000 jobs and a $120 billion economic impact. Hillwood operates in 65 markets across North America and Europe, constantly seeking opportunities to create vibrant communities and deliver value to its partners. [2:23] Hillwood specializes in e-commerce industrial development, serving some of the world's largest retailer brands. Its residential communities division is dedicated to creating truly unique, master-plan communities. In 2023, Hillwood sold 2,141 homes in its communities and delivered nearly 1,500 lots to builders with more than 3,800 lots in the pipeline for 2025. [2:45] Hillwood is also leading the development team for Goldman Sachs's new facility in uptown Dallas. As a privately owned company, Hillwood prioritizes long-term sustainability: social, economic, and environmental. For more information, visit Hillwood.com. [3:05] Today we will be joined by leaders of the Texas State Office of Risk Management. They will participate in a panel discussion on September 19th at the DFW RIMS Annual Conference and Event. [3:18] They're a fabulous chapter and that event will be held at the Irving Convention Center in Irving, Texas. A link is in this episodes' show notes. Visit DWWRIMS.org for sponsorship opportunities and registration information. [3:31] Our guests today will discuss what it takes for the Texas State Office of Risk Management to function, how they prepared and reacted to Hurricane Beryl in July, and we'll talk ERM and how some of their military experiences have enabled them throughout their risk careers and at the Texas State Office of Risk Management (SORM). [3:55] SORM Executive Director, Stephen Volbrecht, Division Chief of Strategic Programs, James Cox, and Chairman of the Board of Directors, Gerald Ladner, Sr., welcome to RIMScast! [4:54] Stephen Volbrecht is the State Risk Manager for Texas and Executive Director of SORM. The office administers the Enterprise Risk Management Program, the Insurance Management Program, the self-insured Workers' Compensation Program, and the Continuity of Government Operations Program. Those are the four key missions of the Texas SORM. [5:58] Gerald Ladner, Sr. has been in the industry for 42 years and successfully navigated four hard markets. He has played roles with global and domestic U.S. insurance companies and is still engaged with the industry even though he's semi-retired. [6:29] Gerald has also served as a broker. He has insured prominent clients like the Coca-Cola Company, the City of Atlanta, Fulton County, and The Southern Companies. He quoted on the Boston Artery Tunnel Project, which capped the global reinsurance industry supply. Gerald's last assignment was as a Regional President at State Auto Insurance Company. [6:52] Gerald is involved today in independent board work, as well as serving his Alma Mater, and has served as Insurance Commissioner Appointee for the Texas Property and Casualty Guarantee Insurance Association, as well as the Texas Medical Liability Joint Underwriting Association. Gerald's turn as Chairman of the Board at SORM expires in 2027. [8:01] James Cox is the Division Chief of Strategic Programs at SORM. His job is to take the vision that Gerald has and the strategic view that Stephen has and make them applicable to the Texas state agencies. He does the daily work that supports their vision and mission. He has an insurance adjuster license, an agent license, a notary, and a risk manager license. [9:40] Stephen Volbrecht has been with SORM for more than 20 years in various roles. He joined in 2001, just before 9/11. The office was created in 1996 and went into operation in 1997. It was created to get workers' compensation costs under control for Texas state employees. [10:37] At that time, The Office of the Attorney General, Workers' Compensation Division, paid Workers' Compensation claims while the Department of Insurance, Division of Health and Safety, had the Texas Workers' Compensation Commission. The two agencies didn't communicate directly. [11:38] Texas combined the Attorney General's Workers' Compensation Division and the Department of Insurance's Workers' Compensation Commission and created the State Office of Risk Management. [11:49] Within two years, they had dropped Workers' Compensation costs by over $30 million, and not by denying claims or cutting corners. They paid claims more timely, stopped disputing claims, and prevented injuries from happening through risk management. [12:30] They continually put pressure on costs, even as medical inflation rises. Texas pays about $40 million a year for accidents and injuries. Because of success with Workers' Compensation, SORM now has three additional missions, the Enterprise Risk Management Program, the Insurance Management Program, and the Continuity of Government Operations Program. [13:42] SORM worked with the Federal government to design the Texas Continuity of Government Operations Program, helped the State Legislature adopt it, and then was tasked with implementing it. Gerald Ladner and James Cox use their industry knowledge to develop procedures and frameworks for the Insurance Management Program. [14:58] SORM is a fundamentally different agency than the office Stephen joined in 2001 because the scope of its mission set has expanded greatly over the 20-plus years. [15:32] SORM is a fairly large office compared to what other states might have. It's an office of specific subject matter experts over each of the domains it covers. It has a broad scope, including Enterprise Risk Management. [16:02] Gerald says SORM has a small board of five members responsible for strategic guidance, governance, innovation, leadership, risk management, stakeholder engagement, performance monitoring, and mentorship to the executive team. The board can decide quickly and anticipate the areas of risk they need to look at and how the organization will address them. [16:45] Justin takes a brief break and thanks Hillwood for sponsoring this episode. Hillwood operates in 65 markets across North America and Europe, constantly seeking opportunities to create vibrant communities and deliver value to partners. Visit Hillwood.com for more information and to seize those opportunities. [17:08] Justin also dives deeper into the RIMS DFW 2024 Fall Conference and Spa Event that will be held on September 19th and 20th in Irving Texas. Here to tell us a little bit more about it is an omnipresent force among DFW RIMS members; Penni Chambers, welcome back to RIMScast! [17:34] This episode is airing almost four years after Penni made her RIMScast debut. A lot has changed in four years! [18:20] Penni is Vice President of Risk Management at Hillwood. She is in charge of a team of two that maintains, procures, and does all things insurance for all of Hillwood and its enterprise companies, including land and cattle, oil and gas, and aviation. [18:52] Penni's role at RIMS has changed. She is serving the constituents of the RIMS chapters and members by being a proud board director. Penni is a lifelong member of DFW RIMS and a former president, serving a term in 2019. [19:30] Penni will moderate the kick-off session of the RIMS DFW 2024 Fall Conference on September 19th at the Irving Convention Center in Irving Texas. She will be moderating a panel with today's guests, from the Texas State Office of Risk Management, Stephen Volbracht, Gerald Ladner, and James Cox. There will be so much talent and knowledge on that panel! [20:09] Penni is so excited to moderate this panel. They will go through the who, what, when, where, and why for this panel. They will talk about governance and the legislative process, and how they manage and procure their liabilities and assets. Texas is huge. These gentlemen have a great responsibility. Penni is excited to get to interview them! [21:04] Besides this panel, attendees can also expect workshops, a risk managers' luncheon, and other speakers and presenters. On Friday, the 20th, they have a Spa Day. The Spa Day is one of the things that sets the DFW annual conference apart. Chill out a bit at the DFW RIMS Annual Conference. They go big on this deal! [22:04] Registration is open to members and non-members. Join the DFW RIMS for two days of fantastic events! Enticed? Go to DFWRIMS.org for more information and to register. [22:42] Penni says they are so excited to have everyone who is joining them for this event. This is going to be one of the best DFW RIMS Annual Conferences they have ever had! [22:52] Justin thanks Penni and looks forward to seeing her at the 2024 Fall Conference and Spa Event hosted by the DFW RIMS Chapter on September 19th and 20th! Visit DFWRIMS.org for more information. A link is in this episode's show notes. [23:10] Let's return to Justin's interview with the Texas State Office of Risk Management. [23:22] Gerald compares the challenges of his current position to those of the senior leadership roles he has held at insurance companies. It's an opportunity to educate and inform the public in terms of what they do to deal with the issues that emerge in a new area of risk. Gerald says that fortunately, he has been able to survive all the challenges of a very tough business. [24:02] The leadership at SORM focuses on retention, making sure that the team's service to the state is valued and that they have unique growth opportunities. SORM is essentially an insurance company with brokered services. [24:38] They have to make sure the products that are offered are current and forward-leaning, with the metrics in place for timely delivery of services for injured employees. Gerald speaks of how quickly SORM responded to the pandemic. [25:10] Stephen Volbrecht adds that it's important to understand that SORM is, at the foundation, a service organization. They exist to offer support to state agencies for their risk management concerns and objectives. SORM operates as a consultant, assessor, and advisor. SORM is not a regulatory agency, enforcement agency, or auditor. It's 100% about service. [27:13] Beryl was a Category 1 hurricane. James Cox says he joined SORM when Harvey was hitting the coast. That's where the preparedness started for Beryl. Before Beryl hit land, SORM was implementing the things they did post-Harvey. [28:05] Stephen speaks of resilience. You can't prevent an Act of God. He cites the 9/11 Commission. Their primary finding was that the most important failure was one of imagination. Leadership failed to appreciate the gravity of the threat. SORM has the approach never to underestimate what can happen. Uncertainty is at the basis of all risk. [29:41] Anticipate the worst-case scenario, prepare for that, and go from there. SORM ensures that every state entity under its jurisdiction has an updated and validated Continuity of Operations Plan. You can't prevent a disaster but you can mitigate it. There are lessons learned not just from Harvey but from the freeze events that hit Texas for three years running. [30:34] There are mitigation efforts that get put into place after we learn our lessons. Use after-action reports. What failed? Don't do that again. What succeeded? Do more of that! Texas put in dams to prevent inundation of water. They put in automated systems for dampers on air conditioning for the freeze events. [31:07] They went steps further in responding to situations based on risk management reviews and assessments to have product and service contracts and materials pre-staged for when these events happen so that you can bring up your services within hours, not weeks. That has a direct cost impact and an impact on the individuals that are being affected. [31:38] SORM has saved hundreds of millions of dollars in downtime and both direct and indirect expenses compared to where they found themselves as recently as Harvey. You can value the ROI in cost avoidance by comparing years without risk management controls and the years after risk management controls have been implemented. [32:56] James comments about Hurricane Beryl and after-action reports. An internet provider in the area went down, causing restaurants to only take cash. Agencies need the ability to switch from one carrier to another depending on if the carriers are operating. [34:04] Gerald says the board looks forward to the strategic plan that the executive director shares with them and they have the opportunity to acid-test it to make sure they are covering all the areas so they don't have a failure of the imagination. The board maintains the culture and listens to the employees. They invite employees to attend board meetings. They get a full house. [34:56] It shows the employees an alignment between the board and the leadership team. The board gives the executive performance review and the employees will hear areas of outstanding work and areas to focus on in the future. The board seeks to maintain that alignment. [35:32] It's RIMS plug time! Webinars! Servpro makes its RIMS Webinars debut on August 8th with Hurricane Preparedness in 2024: Innovations and Strategies to Protect Your Organization. On August 27th, Riskonnect returns to discuss How To Successfully Deploy AI in Risk Management. [35:57] On September 12th, Hub International returns to deliver the third part of their Ready for Tomorrow series, Pivot and Swerve Staying Agile During Shifting Market Dynamics.  More webinars will be announced soon and added to the RIMS.org/Webinars page. Go there to register. Webinar registration is complimentary for RIMS members! [36:20] We would like to express our thanks to Hillwood for sponsoring this episode of RIMScast. Hillwood is a leading multi-national real estate development company and part of the Perot family of companies. Their diverse portfolio includes industrial, logistics, corporate office, retail, aviation, and multi-family housing developments. [36:43] Hillwood operates in 65 markets across North America and Europe, constantly seeking opportunities to create vibrant communities and deliver value to partners. Seize those opportunities by visiting Hillwood.com. [36:59] Let's return to my interview with Gerald Ladner, Sr., Stephen Volbrecht, and James Cox of the Texas State Office of Risk Management. [37:28] James is a veteran of the U.S.A.F. Stephen is a Captain in the Judge Advocate General Corps. Justin thanks them for their service and asks how those experiences lend themselves to effective risk management. [38:02] James says no matter the specialization in the military, the military does very well operating in high- or higher-risk environments. They drill mission and safety in equal parts. The military mindset is understanding the chain of command, codes, and standards, and what you are basing your risk on. If you don't know the accepted way to do a thing, it is a risk nightmare. [38:49] James has found that using his military background, he knows where to look for how to treat a type of risk. That background transitions easily to risk management. [39:18] Gerald's father did three tours in Vietnam. His daughter went to West Point and was in Iraq. He understands the military mindset. It reflects the strengths we now find in the SORM organization with clear chains of command but also an environment where associates can come forward and bring their issues and opportunities. [40:18] Stephen and James are on the Technical Advisory Group (TAG) for ISO 31000. Stephen says the ISO 31000 framework and other ERM frameworks are essential for SORM. Risk management is about decision-making. The ISO model is that risk is always negative. What you are trying to do is avoid the bad things. [42:43] Stephen says the effect of uncertainty on objectives can be positive, negative, or neutral, whether it's an opportunity, an obstacle, or an obligation. That's where ISO 31000 comes in. For some time, Texas was the only state to adopt ISO 31000 as the state ERM standard. They did it through the utilization of guidelines written in collaboration with contributors. [43:29] They're called the Texas Enterprise Risk Management Guidelines. They don't tell people what to do but they give people a framework for how to answer questions of risk and make decisions. The meta-framework of the guidelines is called Governance, Risk, and Compliance (GRC), developed by OCEG, the Open Compliance and Ethics Group. [44:23] The meta-framework of GRC is that enterprise risk is about critical disciplines. That's the true enterprise risk model. It deals with governance and oversight, Gerald's role; and strategy and performance, James's role. Risks and decisions, compliance and ethics, security and continuity, audit and assurance; each of these domains has to be integrated into an ERM model. [45:00] SORM uses ISO 31000 as it is sufficient to their needs, but they still pull from other standards, such as COSO or SERM. [45:58] James says it's not necessarily the brand of framework you choose that is important. It's the vocabulary that you need to understand. SORM picked ISO 31000 and all the state agencies they work with took a course in it so they all had the same vocabulary. As long as everyone understands the standard, they can apply it. [46:44] The Texas Enterprise Risk Management Guidelines are known as the TERM-G or TERM Guidelines. [47:24] Gerald has a degree in psychology. It was a soft skill that was sought when he entered the workforce. There's a lot of stress on employees and it's important for the leadership team to have the right skill set to work with stressed employees and meet some of their needs. Gerald recalls Enron and the need to make hard choices about ethical behavior. [51:03] Gerald has had an extensive relationship with RIMS. He reminisces about attending RISKWORLD many times when he was with Zurich and cutting deals on the floor. We're in a world where change is increasing and the ability to get fresh, insightful information allows organizations like SORM to think through the next round of strategies to manage the risks. [52:23] Gerald knows the value in RIMS and looks forward to participating in this upcoming panel at DFW. [52:33] Gerald, Stephen, and James will be at the RIMS DFW Conference in September. Gerald will discuss the macro forces at work that have the potential to impact loss cost for SORM, and the state of the reinsurance market which is linked to SORM's ability to get property capacity. [53:06] Gerald says they want to talk about the interplay between risk managers and the boards they report to. Boards are taking a harder look at risk managers. Boards don't like surprises. It takes quality communication with the board. There also has to be strong orientation of new board members so they can act as proactive business partners as they face the challenges. [53:56] Also, the an ongoing discussion about broadening risk appetite and tolerance. The importance of parametric insurance, understanding how the market is behaving. Capacity is being contracted in Florida and the Gulf states and there have to be additional ways of dealing with risk. SORM provides good advice-based education on the proper coverages needed. [55:09] James will talk about how, when he was a new risk manager years ago and risks were new to him, through RIMS, he was connected with a host of individuals who had seen the same risks every day and were veterans of it. RIMS is a support system for a new risk manager. [55:22] He will speak of the tools RIMS provides, like the benchmark surveys, white papers, and articles, like the Hurricane Preparedness 2024 article, that came out 15 days before Beryl was approaching across the Gulf. SORMS is similar to an insurance carrier in Texas, except they want to look at your risk model, policies, and procedures. If there's a gap, then get insurance. [56:31] SORMS is not in it for profit but for protection and what's best for the state of Texas. [56:43] Stephen will talk about the relationships with RIMS over the years the relationships established and the outstanding resources that are available. He finds the compensation report a bit of a downer, though, personally, working for the State Government! [57:32] RIMS and associations like RIMS are essential for upholding high ethical standards and integrity in the profession and are also important for self-governance. When professionals agree on high standards of operation, that keeps the government out of your business. Stephen also talks about other aspects of SORM that people may not know about. [59:41] There are big risks on the horizon that could be talked about, like climate change, cybersecurity, artificial intelligence, political risk, civil unrest, inflationary pressures, global market volatility and alternative risk financing, and the pandemic moving into endemic with massive economic and societal impacts. [1:01:20] Justin thanks Gerald Ladner, Sr., Stephen Volbrecht, and James Cox for being on RIMScast. Anyone who wants to hear more from SORM will travel out to Dallas on September 19th for the DFW RIMS Annual Meeting! Justin will be there and looks forward to seeing them in person, hearing what they have to say, and shaking their hands for a big group shot! [1:01:57] Special thanks again to all of our guests from the Texas State Office of Risk Management, Gerald Ladner, Sr., Stephen Volbrecht, James Cox, and of course, former DFW RIMS President, Penni Chambers, who was also on the RIMS Board of Directors. The DFW RIMS Fall Conference and Spa Event will be held on September 19th and on the 20th is Spa Day. [1:02:24] Visit DFWRIMS.org to register. [1:02:27] Extra special thanks to our sponsor Hillwood. Hillwood is a leading multi-national real estate development company and part of the Perot family of companies. Hillwood's diverse portfolio includes industrial, logistics, corporate, office, retail, aviation, and multi-family housing developments. [1:02:43] Notably, Hillwood's Alliance Texas project has generated over 66,000 jobs and a $120 billion economic impact. Hillwood operates in 65 markets across North America and Europe, constantly seeking opportunities to create vibrant communities and deliver value to its partners. Visit Hillwood.com for more information. [1:03:07] It's Plug Time! The RIMS App is available to RIMS members exclusively. Go to the App Store and download the RIMS App with all sorts of RIMS resources and coverage. It's different from the RIMS Events App. Everyone loves the RIMS App! [1:03:42] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [1:04:26] 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. [1:04:43] 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. [1:04:59] 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. Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [1:05:21] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: DFW RIMS 2024 Fall Conference and Spa Event | Sept 19‒20 About our sponsor, Hillwood: Hillwood.com RIMS Canada Conference 2024 — Oct. 6‒9 | Registration is open! RISKWORLD 2025 will be in Chicago! May 4‒7 RIMS DEI Council RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS Strategic & Enterprise Risk Center NEW FOR MEMBERS! RIMS Mobile App Spencer Educational Foundation — Funding Their Future Gala 2024   RIMS Webinars: Hurricane Preparedness in 2024: Innovations and Strategies | Sponsored by ServPro | Aug. 8, 2024 How to Successfully Deploy AI in Risk Management | Sponsored by Riskonnect | Aug. 27, 2024 HUB Ready for Tomorrow Series: Pivot and Swerve — Staying Agile During Shifting Market Dynamics | Sept. 12, 2024 RIMS.org/Webinars   Upcoming Virtual Workshops: Leveraging Data and Analytics for Continuous Risk Management (Part I) 2024 — Aug 15 See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Sponsored RIMScast Episodes: “Partnering Against Cyberrisk” | Sponsored by AXA XL (New!) “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer “Alliant's P&C Outlook For 2024” | Sponsored by Alliant “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster   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) RIMS-CRMP Stories — New interviews featuring RIMS Risk Management Honor Roll Inductee Mrunal Pandit!   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play   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: Stephen Volbrecht, Executive Director for the State Office of Risk Management (SORM) James Cox, Division Chief of Strategic Programs (SORM) Gerald Ladner, Sr., Chairman of the Board of Directors (SORM) Penni Chambers, former DFW RIMS president and RIMS Board Chairperson   Tweetables (Edited For Social Media Use): The cheapest injury that you ever have is the one that doesn't happen. — Stephen Volbrecht   Our approach is never to underestimate what can happen. Uncertainty is at the basis of all risk; not understanding what the consequences may be. So what you do is you anticipate the worst-case scenario, you prepare for that, and then you go from there. — Stephen Volbrecht   No matter the specialization in the military, the military does very well operating in high- or higher-risk environments. They drill mission and safety in equal parts. — James Cox   We're in a world where change is increasing and the ability to get fresh, insightful information allows organizations like SORM to think through the next round of strategies so that we can manage the risks. — Gerald Ladner, Sr.  

Amanda Holden, a partner with Deloitte's Financial Crimes, joins Samuel May, ACFE research specialist, on Fraud Talk to uncover the intricacies of fraud prevention and program integrity in the Canadian public sector. They navigate the crucial role of proactive prevention and detection, addressing the unique challenges faced by public entities in a rapidly evolving fraud landscape. Holden explores the essential COSO framework, emphasizing the balance between expediency and robust fraud controls. Dive into Holdens's expert insights on breaking down cultural barriers, enhancing information sharing and leveraging cutting-edge data analytics and technology.

On today's episode we visit with Paul Goldsmith, award winning cinematographer and creator of Talking Stone: Rock Art of the Coso, documentary film and the coffee table book on Coso rock art based on our film. In this episode we discuss some surprising insights Paul has after firsthand meetings with practicing shamans in the Amazon. He gives us a glimpse of what they are like and some surprising reflections on his interactions. You will learn some interesting aspects about shamanism and the Native American cultures. A lively discussion!TranscriptsFor rough transcripts of this episode go to https://www.archpodnet.com/rockart/123Links Talking Stone Documentary Talking Stone Book Paul Goldsmith's WebsiteContact Dr. Alan Garfinkelavram1952@yahoo.comDr. Alan Garfinkel's WebsiteSupport Dr. Garfinkel on PatreonArchPodNet APN Website: https://www.archpodnet.com APN on Facebook: https://www.facebook.com/archpodnet APN on Twitter: https://www.twitter.com/archpodnet APN on Instagram: https://www.instagram.com/archpodnet Tee Public StoreAffiliates and Sponsors California Rock Art Foundation Motion

On today's episode we visit with Paul Goldsmith, award winning cinematographer and creator of Talking Stone: Rock Art of the Coso, documentary film and the coffee table book on Coso rock art based on our film. In this episode we discuss some surprising insights Paul has after firsthand meetings with practicing shamans in the Amazon. He gives us a glimpse of what they are like and some surprising reflections on his interactions. You will learn some interesting aspects about shamanism and the Native American cultures. A lively discussion!TranscriptsFor rough transcripts of this episode go to https://www.archpodnet.com/rockart/123Links Talking Stone Documentary Talking Stone Book Paul Goldsmith's WebsiteContact Dr. Alan Garfinkelavram1952@yahoo.comDr. Alan Garfinkel's WebsiteSupport Dr. Garfinkel on PatreonArchPodNet APN Website: https://www.archpodnet.com APN on Facebook: https://www.facebook.com/archpodnet APN on Twitter: https://www.twitter.com/archpodnet APN on Instagram: https://www.instagram.com/archpodnet Tee Public StoreAffiliates and Sponsors California Rock Art Foundation Motion

Check out our new episode with Coso Sadiddy, CLT Artist on the music grind.Hosted by Klassic KoKo

What we doin'!?It's a lit session with Coso Sadiddy. Winner of Extra Litty Monday & Best Male Artist of the Year with the Queen City Awards. We sit down with him and discuss his journey as an artist, his win as ‘Best Male Artist of the Year', his upcoming work & what we can expect from him for the New Year.Make sure you follow out special guests on social media, and follow the REALEST podcast.See ya soon!

In this episode, Eric and Conrad are joined by NITRO Author: Guy Evans MANSCAPED - Get 20% Off and Free Shipping with the code 83WEEKS at Manscaped.com. Manscaped, get your Jingle balls ready for the Holidays. MIRACLE BRAND - Upgrade your sleep with Miracle Brand! Go to TryMiracle.com/83WEEKS and use the code 83WEEKS to claim your FREE 3-PIECE TOWEL SET and SAVE over 40% OFF. Treat yourself, a friend, or loved one this holiday season. LUCY.CO - So whether you use nicotine while working, creating, or playing - Lucy Breakers are the intelligent choice. And we've got a special deal for our listeners: Get $10 off your first order when you use our promo code 83WEEKS at checkout--and shipping is always free. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Eric and Conrad are joined by NITRO Author: Guy Evans MANSCAPED - Get 20% Off and Free Shipping with the code 83WEEKS at Manscaped.com. Manscaped, get your Jingle balls ready for the Holidays. MIRACLE BRAND - Upgrade your sleep with Miracle Brand! Go to TryMiracle.com/83WEEKS and use the code 83WEEKS to claim your FREE 3-PIECE TOWEL SET and SAVE over 40% OFF. Treat yourself, a friend, or loved one this holiday season. LUCY.CO - So whether you use nicotine while working, creating, or playing - Lucy Breakers are the intelligent choice. And we've got a special deal for our listeners: Get $10 off your first order when you use our promo code 83WEEKS at checkout--and shipping is always free. Learn more about your ad choices. Visit podcastchoices.com/adchoices