Podcasts about ERM

Most ORSA reports definitely fall into the TLDR category. But you can tell the ORSA with a clear, fast story that will become a part of the strategy discussion. This podcast tells how to turn a dense solvency exercise into an elevator pitch that earns attention, builds confidence, and links risk work to strategy. You'll see why some ERM programs thrive and others wither, and how a small change in communication can protect capital and enhance decision-making. Read this if you want your next ORSA to be useful, not just compliant — and to get executives listening. Skip the noise—make your ORSA count today. Read the blog post:  https://crossingthinice.substack.com/p/orsa-rides-the-elevator 

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Julia Anna Potts, President and CEO of the Meat Institute, about her career, background, lifelong interest in agriculture and food, and how she joined the Meat Institute following a career in environmental law. The discussion covers the role of the Meat Institute in the food supply chain and how it serves member companies and the food industry in general, through its food safety best practices and a free online course, "The Foundations of Listeria Control." Julia reveals the Protein PACT initiative and explains how food safety relates to risk management with their shared values. She tells how meat processors are good community members. Listen for advice on the culture of safety and how it starts at the very top of the organization.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. We will be joined by Julia Anna Potts, the CEO of the Meat Institute. We'll discuss food safety and education, and risk frameworks that the Institute uses to ensure that our food and supply chains are clean. But first… [:47] 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. [1:03] Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:11] RIMS Virtual Workshops! On November 19th and 20th, Ken Baker will lead the two-day course, "Applying and Integrating ERM." [1:24] "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. [1:40] 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. [1:52] This episode is released on November 18th, 2025, Day Two of the RIMS ERM Conference in Seattle, Washington. We've covered a lot of ERM ground in the last few episodes. For more ERM, click the link to the RIMS ERM Special Edition of Risk Management magazine in the notes. [2:18] RIMScast ERM coverage is linked as well. Enhance your ERM knowledge with RIMS! [2:24] On with the show! Our guest is Julie Anna Potts. She is the President and CEO of the Meat Institute. She leads the Institute in implementing programs and activities for the association. [2:38] She is an agricultural veteran, previously serving the American Farm Bureau Federation as its Executive Vice President. [2:47] With Thanksgiving coming up next week in the U.S., I thought this would be a great time on RIMScast to talk about food safety, food production, and what another not-for-profit is doing to ensure the safety of our products and the speed and efficiency of our supply chain. [3:07] We're going to have a lot of fun and talk turkey, so let's get to it! [3:12] Interview! Julie Anna Potts, welcome to RIMScast! [3:27] Julie Anna Potts and RIMS CEO, Gary LaBranche, are both part of the Committee of 100 with the U.S. Chamber of Commerce in Washington, D.C. They get together with other association heads across industries. Julie Anna says it is very valuable. [3:44] Julie Anna and Gary were talking in the summer about food safety and about what the Meat Institute does, and Gary invited her to be on RIMScast. [3:57] Justin notes that it is the week before Thanksgiving in the U.S. Juliana says they are doing so much in Washington now, and food safety is always top-of-mind around the holidays. There are lots of turkeys and turkey products being sold in the United States. [4:45] Julie Anna says turkey is cultural for Thanksgiving, and poultry, and how you cook it and handle it in the kitchen is incredibly important for food safety. [5:01] Justin asks, Is fish meat? Julianna says fish is protein, but we don't classify it as meat or poultry. Justin wants to keep the argument going with his family at Thanksgiving. [5:31] Julie Anna says they have lots of arguments around the Meat Institute, like whether ketchup belongs on hot dogs. Julie Anna says the answer to that is no. [5:41] Julie Anna has been at the Meat Institute for a little over seven years. She came in as President and CEO. She has been in Washington for most of her career, since undergrad. She graduated from law school in D.C. and worked at a firm. [5:59] Julie Anna has been in agriculture, representing farmers for years. She went to the Senate as Chief Counsel of the Senate Agriculture Committee. She has been at the Meat Institute for the last seven years. [6:19] Food and agriculture have been central to Julie Anna's career and also to her family life. Her husband grew up on a farm. Julie Anna is two generations off the farm. [6:32] They love to cook, dine out, and eat with their children; all the things you do around the holidays, and gather around the Thanksgiving table. They have passed to one of their three children their love of food traditions. She's their little foodie. [6:52] Julie Anna has a career and a personal life that is centered around food. [7:11] The Meat Institute members are the companies that slaughter animals and do further processing of meat. They are in the supply chain between livestock producers and retail and food service customers. [7:35] To be a general member of the Meat Institute, you have to have a Grant of Inspection from the Food Safety Inspection Service of the USDA. The Federal Grant of Inspection is a requirement to be able to operate and to sell into the market. [7:56] When we look at the capacity we have at the USDA, in the last several months, we're not seeing a decline in capacity, but more emphasis on our Food Safety Inspection Service. [8:18] Through DOGE, voluntary retirements, through additional resources coming in with the One Big Beautiful Bill, and through recruiting, the Meat Institute is seeing its member companies have staffing, even through this government shutdown. They're considered essential, as always.  [8:54] The Meat Institute was established in 1906 for the purpose of addressing food safety and industry issues. Those are Jobs One, Two, and Three, every day. The Meat Institute has all kinds of education it offers to its members. [9:15] The members of the Meat Institute have strong food safety programs. They have HASSA Plans and third-party audits. The Meat Institute helps any member company of any size, from 25 employees to global companies, with education on, for example, Listeria training.   [9:53] The Meat Institute has just launched an online platform that has had great uptake. If you have associates in your business who have never had food safety training, for all levels of folks, there is online, free, and freely available training on how to deal with Listeria. [10:19] All the Meat Institute member companies have significant Food Safety staffing and Food Safety Quality Assurance Programs. Julie Anna praises the people throughout the industry who work in Food Safety for their companies. It's a life-or-death matter. [10:45] Food Safety staff are always seeking to become better, so the Meat Institute has a Food Safety Conference and Advanced Listeria Training (an in-person module). They interface with the regulators, who are partners with the Meat Institute in this.  [11:14] The Meat Institute is always striving for better Best Management Practices across everyone's programs, which are never just the minimum. A philosophy of doing just what is compliant does not get you into the best space. [11:36] The Meat Institute is here to encourage Best in Class, always. Food Safety is non-competitive in the Meat Institute. Everyone across the different-sized companies, from 25 employees to 100,000, can feel comfortable sharing what's working for them. [12:06] That is important when it comes to conferences and other things they do. Let's be candid with each other, because nobody can get better if you're not. [12:17] The Meat Institute has seen cultural issues where CEOs don't think about Food Safety and Quality Assurance because they have great people taking care of it. That's true a lot of the time, until it isn't. [12:42] The tone that needs to be set at the very top of the organization is that this is hugely important for risk management. Hugely important for your brand and your ability to operate. [12:56] The Meat Institute board asked, if we are pushing culture down through the organization, what kinds of questions do I need to ask, not just my Food Safety Team, but everyone, and demonstrating my knowledge, understanding, and commitment to governance of this big risk? [13:31] The Meat Institute created a template of a set of questionnaires for executives. It is a C-Suite document and documentation. [13:47] It's a voluntary questionnaire for a CEO, regardless of company size, indicating that you understand how important this is in ensuring that everything that you push down through your organization, culturally, is focused on Food Safety. [14:05] The link to the Listeria Safety Platform is in this episode's show notes. [14:11] Justin says the structure of the Meat Institute is very similar to the structure of RIMS, with open communications and knowledge-sharing, or else the industry does not grow or improve. [14:27] Justin says it sounds like the industry executives are stepping up their game amid the tumult coming out of Washington. Julie Anna agrees. [14:47] Julie Anna says the Meat Institute has been driving that progress. It is incredibly important. Julie Anna thinks that in a lot of industries, there is a pull and tug between the companies and regulators. [15:07] In the case of meat and poultry inspection and what the Meat Institute does with FSIS, it is a collaboration. The inspectors verify for consumers what the companies are doing to keep food safe. [15:28] It is up to the company to decide how it is going to do this effectively and successfully and get better at it. [15:41] Numerous third parties do audits and help customers across the supply chain, but the responsibility rests with the companies. [15:59] The Meat Institute staff has highly technical people who come out of academia, out of the plant, having done FSQA, Legal, and safety regulations. There are folks who have been in inspection in the government at FSIS. [16:29] The Meat Institute has several staff whose job it is to stay on top of the latest improvements and ensure that everybody knows what those are, and in dialogue with our FSIS inspection leadership here in Washington, D.C. [16:46] The Meat Institute looks to FSIS to make sure that consumer confidence is there. It does nothing for our industry if consumers think that FSIS isn't being an effective regulator. [17:11] The Meat Institute companies have to be the ones that do more than the bare minimum to ensure they're doing the best they can. The Meat Institute's philosophy is always to push further and further. [17:25] There is an expense associated with that. The Meat Institute does its best to help manage that risk for its companies by giving them everything they need to be the best that they can be. [17:40] The Meat Institute has 36 employees. They are very transparent in the Food Safety world. They want non-members to take advantage of all their resources in Food Safety. A lot of the things they offer on education and regulations can be accessed without being a member. [18:14] The Meat Institute has recently joined an alliance to stop food-borne illness and is looking to get more engaged in that organization. That's across several segments, not just meat and poultry. [18:35] The Meat Institute has committed and re-committed over the years to the efforts it makes with its companies. The Meat Institute looks for its companies to be leaders in the Food Safety space. [18:53] 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! [19:14] Registration closes January 5th. Enroll now. A link is in this episode's show notes. [19:22] Save the dates March 18th and 19th, 2026, for The RIMS Legislative Summit, which will be held in Washington, D.C. [19:31] 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. [19:45] We've got more plugs later. Let's return to our interview with Meat Institute CEO Julie Anna Potts! [19:56] Julie Anna says a lot of our companies are also regulated by the FDA because they do further processing. For example, pizzas with pepperoni, or any number of mixed products that have both FDA and USDA regulatory personnel on site. [20:20] FSIS is, by far, more present and more in tune with what member companies are doing than the inspectors at the FDA. [20:30] Justin asks if restaurants can be members of the Meat Institute. There is a segment of membership called Allied Members, which includes restaurants and grocery stores. If they are not processors, but they are procuring meat and poultry for sale, they are in the meat industry. [21:09] The Meat Institute has had a great deal of interaction on many issues with its retail and food service customers. [21:25] Shortly after she joined the Meat Institute, Julie Anna was handed a mandate from the board to be proactive and lean in on the things consumers are interested in with an initiative to continue to maintain or rebuild trust. [21:48] These are things like food safety, animal welfare, environmental impact, and worker safety. They call this initiative Protein PACT (People, Animals, and the Climate of Tomorrow). Food Safety is front and center in Protein PACT. [22:13] The Meat Institute has a way of focusing its efforts through this lens of improvement in five areas that work together to reassure consumers. When they know that you're working on all these issues and trying to improve, it increases trust in all the above issues. [22:54] Retail and Food Service customers in the industry want to know more and more. They want to know upstream, what are you doing to get better? [23:05] They want to know how they can take the data that you are collecting anonymously and in the aggregate to communicate at the point-of-sale area to ensure that their customers, collectively, are getting what they need? [23:23] Julie Anna saw this recently at H-E-B, a popular grocer in Texas. Julie Anna walked through one of their huge, beautiful, newly renovated stores. The engagement the ultimate customer has is in the store, asking questions of the butcher. [24:07] It's wonderful to be able to say, If you have food safety concerns, we have a relationship that we can give you the knowledge you need to answer those concerns, and it's coming very consistently across the industry. [24:40] Justin asks, When the Meat Institute members lean in, are they leaning in at 85% or 93%? You'll only get ground beef jokes here, on RIMScast! Julie Anna says, it's all good. Justin says those kinds of jokes are called The Manager's Special. [25:17] One Final 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. Guess what! Booth sales are open now! [25:37] This is the chance to showcase your solutions, meet decision-makers face-to-face, and expand your global network. Connect, Cultivate, and Collaborate with us at the largest risk management event of the year. The link to booth sales is in this episode's show notes. [25:53] Let's Return to the Conclusion of My Interview with Meat Institute CEO Julie Anna Potts! [26:16] Julie Anna was an environmental lawyer in private practice. Her work involved the Clean Water Act, the Clean Air Act, the National Environmental Policy Act, and Superfund. One of her clients was the American Farm Bureau Federation (AFBF). [26:42] When Julie Anna left the firm, she moved in as General Counsel to the AFBF, the largest general farm organization in the U.S. Besides environmental law, she worked there in lots of other types of law as General Counsel. [27:06] At the Meat Institute, Julie Anna collaborates with the AFBF. The ag sector in Washington, D.C., is very collaborative. The Meat Institute works closely with the National Cattlemen's Beef Association, the National Pork Producers Council, and the commodity groups. [27:35] Everybody is connected. If you are working on an animal issue, you're going into crop groups and animal health companies. The Meat Institute works with everyone. Their philosophy is, We all get better when we share knowledge. [28:03] That's the basis of the conversation Julie Anna and Gary LaBranche had in the summer about this podcast. The Meat Institute has resources it would love to share on the risk management of food safety issues. [28:20] The Meat Institute also knows consultants and other help outside of the meat industry that they can point people to, as needed. The Meat Institute would love to be a resource to the listeners of RIMScast. You can check out the contact information in the show notes. [29:02] Julie Anna is familiar with risk professionals. She serves on the board of Nationwide Insurance. Nationwide Agribusiness has Food Safety expertise. When Julie Anna practiced law, she worked with clients on helping them manage risk and assess potential outcomes. [30:09] Julie Anna says risk management is one of her favorite topics. How do you plan to recover from a flood after a hurricane? How do you plan for farm animal disease? There are now three animal disease outbreaks that are constantly on their minds at the Meat Institute. [30:31] The Meat Institute helps run tabletop exercises with its companies, sometimes involving government officials, as well. It's New World Screwworm to the South. It's High Path Avian Influenza, which has crossed over from poultry to dairy and beef cattle.  [30:48] Julie Anna continues, We have African Swine Fever, which has not gotten to the United States, thank goodness! All of these require a certain level of preparedness. So we work on it as a policy matter, but we also need to operationalize what happens when this happens. [31:16] The pandemic is a good recent example of what happens when things fall apart. Member companies have a very limited ability to hold live animals if they're not going to slaughter. They don't have anywhere to go. [31:44] The pandemic was an example of what happens when something reduces capacity and the animals start backing up. It's incredibly important that things work. The pandemic was unimaginable to a lot of people. It tested our risk management models. [32:10] Once we were there, dealing with it, we had incredible adaptability to the circumstances we were facing. That only happens if you face certain problems every day to keep that plant running. For member companies, if the plants don't run, the animals don't have a place to go. [32:37] Farmers get a lower price for their animals, consumers have the perception that there's not going to be enough food, and there's a run on the grocery stores. During the pandemic, it righted itself really quickly, once we got some PPE, etc. in place, and some guidance. [32:59] The member companies relied heavily on the CDC to tell them how to get people in so the plants could run. It was difficult for everyone. Julie Anna thinks that we learned a lot from that experience on how to help your company troubleshoot in the moment to keep going. [33:37] Julie Anna addresses how PFAS issues are being handled. It's an EPA issue and a state's issue for regulations on packaging and recycling. The state issues are predominant. Environmental issues are being addressed at the state level. We could end with 50 regimes. [35:04] That's where there's more risk for the Meat Institute and its members, especially companies that sell nationwide. There is very little state regulatory work that the Meat Institute does directly. [35:26] The Meat Institute is examining how to utilize other resources to figure out, with a small staff, how to monitor and stay ahead of these things for our members. That's very much on their minds. The EPA's work has been swinging back and forth between administrations. [36:02] It's hard to convince a business of a good recommendation if the rules are going to change with the next administration. It's a problem of where to invest in things like measuring emissions and what to do to satisfy customers when the rhetoric changes dramatically. [37:04] Justin says we've had a different administration every four years for the last 16 years. He says if he were a business owner, he would do everything he could to make sure the water coming in and going out is clean to avoid verdicts. Nuclear verdicts are through the roof. [37:27] Julie Anna speaks of social inflation by juries wishing to send a message to big corporate entities. She says member companies are dealing with these issues all the time. What's the right amount of rulemaking for effluent limitation guidelines? [38:20] The Meat Institute had opposed what the Biden administration had proposed, given that the number of companies it estimated would not be able to stay in business was close to 80. The Trump administration has backed off and is leaving in place what was there before. [38:52] That's all part of the Federal policy debate in D.C. It does not diminish the commitment its members have to be good community members. They work in their communities. Julie Anna was just down in East Tennessee at a wonderful family company, Swaggerty Sausage. [39:16] They do water treatment. They are beloved in the community because of how they take care of people. They bring in pigs from North Carolina and turn them into sausage. Julie Anna met the fifth generation. He is eight months old. [39:40] Julie Anna had a great visit with people, understanding how their commitment to the environment and animal welfare, and the things they can show their community members that they are doing, works for them. Julie Anna saw how the sausage is made, Justin adds. [40:28] Justin says, You've been such a delight to speak with, and we've learned so much. Is this the busiest time of year for your members, with Thanksgiving coming up, the religious holidays coming up, and then New Year's? Are they keeping Safety at the top of their risk radar now? [40:59] Julie Anna says Our members, and we, keep Safety at the top of the risk radar every single day. It does not get harder during high-volume days. [41:15] There's a spike around Memorial Day, Fourth of July, and Labor Day. There's a lot more turkey happening around Thanksgiving and possibly Christmas, but certainly, hot dogs, hamburgers, sausages, brisket, and all kinds of things. It's cyclical. [41:49] Julie Anna wishes Justin could come into a plant with her, walk through, and see the number of times there are interventions for food safety. X-rays for foreign material. Sprays for certain types of pathogens, and the ways in which the hide is treated. [42:14] It is such a huge part, and they are so proud of what they do. They are happy to show anybody how we continue to hold that up as the most important thing. Worker Safety is also hugely important. We're talking about our humans and what we do to protect them. [42:42] Safety is really important, and it does not receive any less attention at busy times. [42:50] Justin says that's a great sentiment to close on. It has been such a delight to speak with you, and I'm so glad we had the chance to do this. It's going to be especially impactful now, just ahead of Thanksgiving and the religious holidays, and the New Year. [43:16] Special thanks to Julie Anna Potts of the Meat Institute for joining us here on RIMScast just ahead of Thanksgiving 2025. Links to the Meat Institute resources are in this episode's show notes, as is RIMS coverage of Food Safety and related topics. [43:34] 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. [44:02] 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. [44:20] 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. [44:38] 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. [44:54] 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. [45:09] 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. [45:21] 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 RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS-Certified Risk Management Professional (RIMS-CRMP) Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Risk Management Magazine: "USDA Budget Cuts Present Food Safety Risks" (May 2025) Meat Institute Meat Institute — Foundations of Listeria Control RIMS Risk Management magazine ERM Special Edition 2025 RIMS Now 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: "Recipes for Success with Wendy's CRO Bob Bowman" "Franchise Risks with Karen Agostinho of Five Guys Enterprises" "Risk Insight with AAIN Leadership and Panda Express"   Sponsored RIMScast Episodes: Secondary Perils, Major Risks: The New Face of Weather-Related Challenges | Sponsored by AXA XL (New!) 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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: Julie Anna Potts, CEO, The Meat Institute   Production and engineering provided by Podfly.  

Heute vor fünf Jahren versammelten sich im Berliner Regierungsviertel besorgte Bürger. Am 18. November 2020 erfolgte im Reichstag zum dritten Mal die Abstimmung über das Gesetz "zum Schutz der Bevölkerung bei einer epidemischen Lage von nationaler Tragweite". Wer von Ermächtigung sprach, galt als Staatsfeind. Von Bernhard Loyen  

Alle Informationen zur Carnivoren Ernährung unter www.carnitarier.de. ______________________________________________ Herzlichen Dank an unsere WERBEPARTNER: www.carnivoro.eu: Supplemente rund um die Carnivore Ernährung Mit dem Gutscheincode CARNITARIER erhältst du 10 % Rabatt auf deinen ersten Einkauf! Affiliate Link: www.carnivoro.eu/carnitarierinwww.kaufnekuh.de: Fleisch aus artgerechter Haltung mit fairen Preisen für Landwirte Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf ab 50 €. www.mindful-meat.com: Hochwertiges Hirschfleisch aus den Wäldern Deutschlands. Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf. www.pemmican-shop.de: Europas einzige originale Survival Beef Bar – Made in Germany. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen ersten Einkauf.www.theminerals.de: Beste Elektrolyte für die Umstellung auf Keto und für Carnivoren, die viel Sport treiben. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen Einkauf. _________________________________________________________________________Folge 207: Epidemie der Schilddrüsenunterfunktion vom Typ 2 – Dr. Dirk LemkeAuf dem Symposium der EMG (Gesellschaft für evolutionäre Medizin und Gesundheit) in Baden-Baden hielt Dr. Dirk Lemke, funktioneller Mediziner, einen Vortrag über die Epidemie der Schilddrüsenunterfunktion vom Typ 2. Es handelt sich dabei um eine Schilddrüsenhormonansprechstörung, die nicht durch ein einfaches Blutbild diagnostiziert werden kann. Auch wenn die Schilddrüsenwerte bei vielen Menschen normal sind, leiden sie unter vielen Symptomen einer Schilddrüsenunterfunktion. Dr. Lemke erklärt, dass ähnlich zu einer Insulinresistenz das Problem auf Zellebene besteht, da die Zellen nicht mehr auf die Schilddrüsenhormone ansprechen. Neben vielen Symptomen gibt eine Temperaturmessung häufig Klarheit über diese Stoffwechselstörung. Er empfiehlt zur Behandlung unter anderem die Einnahme von natürlichen Schilddrüsenextrakten, da diese nicht nur die beiden bekanntesten Schilddrüsenhormone T3 und T4 enthalten, sondern das gesamte Spektrum von bis zu 27 Schilddrüsenhormonen.Ihr könnt Dr. Dirk Lemke erreichen über seine Homepage www.doclemke.de.________________________________________________________________________________Fleischzeit ist der erste deutschsprachige Podcast rund um die carnivore Ernährung. Hier erfahrt ihr Tipps zur Umsetzung des carnivoren Lifestyles, wissenschaftliche Hintergründe zur Heilsamkeit sowie ökologische und ethische Informationen zum Fleischkonsum. Eine Übersicht über alle Folgen findet ihr hier: www.carnitarier.de/fleischzeitpodcastAndrea Siemoneit berichtet nach über sechs Jahren carnivorer Ernährung über ihre Erfahrungen und Erkenntnisse. Außerdem interviewt sie andere Carnivoren und Wissenschaftler.Ihr findet sie auf Instagram unter @carnitarier.deHandbuch der Carnivoren Ernährung: www.carnitarier.eu Haftungsausschluss:Alle Inhalte im Podcast werden von uns mit größter Sorgfalt recherchiert und publiziert. Dennoch übernehmen wir keine Haftung für die Richtigkeit, Vollständigkeit oder Aktualität der Informationen. Sie stellen unsere persönliche subjektive Meinung dar und ersetzen auch keine medizinische Diagnose oder ärztliche Beratung. Dasselbe gilt für unsere Gäste. Konsultieren Sie bei Fragen oder Beschwerden immer Ihren behandelnden Arzt.

In this episode of the Build Your Success podcast, host Brian invites Ashley Gill, principal safety consultant at ERM and adjunct professor at Charlton State, to share her journey into the safety profession.  Ashley discusses her unexpected path from business graduate to safety expert, sparked by witnessing a serious workplace injury. She emphasizes the importance ofcontinual growth, mentorship, and community involvement, particularly through organizations like ASSP and WISE.  Ashley also highlights her involvement in public speaking, research, and even roller derby, showcasing her multidimensional approach to life and work.Tune in to learn about leadership in safety, the value of continual education, and actionable insights for improving workplace safety. Guest Email: ashley.gill@erm.com Guest Social: Ashley Gill, DBA, CSP |LinkedInGuest Website: http://erm.comHost Email:brianb@buildcs.net Host LinkedIn: Brian Brogen, PMP

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.  

NFSR is BACK! And this time IN COLOR! Erm, I mean... in VIDEO! And please give a warm welcome to Newby as our new regular co-host!Oh also we watch a pretty cool new game that only kinda broke the internet when it came out.Check out the run: https://www.speedrun.com/silksong/runs/zx5k1jemJoin our Patreon: https://patreon.com/possiblybadSubscribe to our YouTube channel: https://youtube.com/@PossiblyBad

Zohran Mamdani hat einen atemberaubenden Wahlkampf geführt. Ermöglicht wurde sein Sieg aber auch durch die jahrelange Vorarbeit der demokratischen Sozialisten in New York, Zehntausende Freiwillige – und die Unfähigkeit des politischen Establishments. Artikel vom 05. November 2025: https://jacobin.de/artikel/new-york-buergermeister-dsa-zohran-mamdani-usa-demokraten-wahlkampf-kampagne-sozialismus-gaza Seit 2011 veröffentlicht JACOBIN täglich Kommentare und Analysen zu Politik und Gesellschaft, seit 2020 auch in deutscher Sprache. Die besten Beiträge gibt es als Audioformat zum Nachhören. Nur dank der Unterstützung von Magazin-Abonnentinnen und Abonnenten können wir unsere Arbeit machen, mehr Menschen erreichen und kostenlose Audio-Inhalte wie diesen produzieren. Und wenn Du schon ein Abo hast und mehr tun möchtest, kannst Du gerne auch etwas regelmäßig an uns spenden via www.jacobin.de/podcast. Zu unseren anderen Kanälen: Instagram: www.instagram.com/jacobinmag_de X: www.twitter.com/jacobinmag_de YouTube: www.youtube.com/c/JacobinMagazin Webseite: www.jacobin.de

Der Wahlkampf wird immer härter und schmutziger, nur noch knapp sechs Monate vor den Wahlen in Ungarn. Das Rennen bleibt offen, und es ist weiterhin nicht ausgeschlossen, dass Orbán Viktor trotz ernsthafter Erfolge auf der internationalen Bühne bei den Wahlen scheitert. Der Einsatz ist jedoch nicht nur innenpolitischer Natur, denn Orbáns politische Zukunft ist auch für die Stärkung der Positionen der souveränistischen-patriotischen Kräfte in Europa von Bedeutung. Es ist daher kaum ein Zufall, dass der ungarische Premierminister gleichzeitig Unterstützung aus Washington und Moskau erhielt, indem Budapest als Austragungsort für das nächste, derzeit verzögerte Treffen zwischen Donald Trump und Wladimir Putin vorgeschlagen wurde.Ein Standpunkt von Gábor Stier, aus dem Ungarischen übersetzt von Éva Péli.Die Gedenkfeiern am 23. Oktober anlässlich des ungarischen Volksaufstands von 1956 standen im Zeichen innenpolitischer Machtdemonstrationen. Sowohl die regierende Fidesz als auch die Oppositionspartei Tisza brachten in Budapest riesige Menschenmengen auf die Straßen. Tagelang herrschte ein „Zahlenkrieg“, welche Veranstaltung mehr Teilnehmer hatte. Der Wettbewerb ist jedoch vorerst offen, und es ist schwierig vorherzusagen, welche politische Kraft im April 2026 siegen wird. Herausforderer Péter Magyar setzt weiterhin auf die Ermüdung der Macht und die Proteststimmung, während Viktor Orbán – nachdem er seine Kampagne nach längerem Zögern angekurbelt hat – auf seine internationale Anerkennung bauen kann.In dieser Hinsicht erhielt er ein für viele überraschendes „Geschenk“, als Budapest als Ort für das nächste Trump-Putin-Treffen ins Gespräch kam. Die Ankündigung des US-Präsidenten schockierte sowohl die ungarische Opposition als auch Kiew und das politische Establishment in der Europäischen Union. Zwar waren Orbáns innen- und außenpolitische Gegner etwas erleichtert, als der Gipfel auf unbestimmte Zeit verschoben wurde, aber dies ändert nichts an der Tatsache, dass die Möglichkeit selbst eine Anerkennung für Orbán und die ungarische Diplomatie darstellt.Diese Wahl ist nicht nur eine logistische, sondern auch eine politische Frage. Die Voraussetzung dafür ist, dass der ungarische Premierminister gute Beziehungen zu Wladimir Putin und auch ein freundschaftliches Verhältnis zu Donald Trump pflegt. So vertrauen beide Seiten darauf, dass die ungarische Regierung alles für die erfolgreiche Durchführung des Treffens tun wird. Ein wichtiger Gesichtspunkt war auch, dass Ungarn aus dem Internationalen Strafgerichtshof (IStGH) in Den Haag ausgetreten ist und die Zuständigkeit des IStGH für die Ausstellung eines Haftbefehls gegen Benjamin Netanjahu abgelehnt hat. Diese Entscheidung ist auch eine Anerkennung für die pragmatische und realpolitische ungarische Außenpolitik, die diplomatische Kanäle in alle Richtungen offenhält und die Blockdenkweise ablehnt....https://apolut.net/brief-aus-budapest-3-orban-starkt-seine-internationale-position-von-gabor-stier/ Hosted on Acast. See acast.com/privacy for more information.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Kellee Ann Richards-St. Clair, the Vice President, Commercial, Phoenix Park Energy Marketing Limited. Justin and Kellee Ann discuss her target risk career starting in her undergraduate days studying chemistry, to her role as VP of Commercial for a gas supply organization. She describes the range of responsibilities she carries. Kellee Ann also speaks of her presence at the upcoming RIMS ERM Conference 2025 on November 17th and 18th in Seattle, Washington.   Listen for understanding about the complexity and interconnectivity of risks in ERM.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest is Kellee Ann Richards-St. Clair. She is the Vice President of Commercial at Phoenix Park Energy Marketing Limited, and a member of the RIMS Strategic and Enterprise Risk Management Council. There is much to discuss with her! But first… [:47] 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. [1:07] 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. [1:21] 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! [1:40] 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. [1:51] RIMS Webinars! On November 6th, HUB will present "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World". That session will be moderated by Christina Howard, our guest from last week. Register at RIMS.org/Webinars. [2:08] The RIMS ERM Conference 2025 will be on November 17th and 18th in Seattle, Washington. The agenda is live, and the link is available in this episode's show notes. [2:20] That brings us to today's guest, Kellee Ann Richards-St. Clair. She is the Vice President of Commercial at Phoenix Park Energy Marketing Limited, a U.S. subsidiary of Phoenix Park Gas Processors, LLC. [2:35] We're going to learn all about oil, gas, and the energy sector and how it intertwines with ERM. In addition, Kellee Ann will be making her RIMS ERM Conference debut! [2:48] Kellee Ann will be highly visible, especially on November 18th, when she leads the ERM Networking Breakfast, the Conference Finale Panel, and the recently added session at 1:30 p.m. on the 18th, "Exploiting Uncertainty: Making the Business Case for Strategic Risk Treatments." [3:09] That session was added after we recorded this interview, which is why we do not discuss it. Kellee Ann has a fascinating career and background. Between that and her presence at the ERM Conference, she's a wonderful guest, and I'm so glad we had this interview! [3:23] On with the show! Let's get to it! [3:25] Interview! Kellee Ann Richards-St. Clair, welcome to RIMScast! [3:34] Kellee Ann Richards-St. Clair, it's a pleasure to finally have you on our show!  [3:43] Kellee Ann is a relatively new member of the RIMS Strategic and Enterprise Risk Management Council. She will be at the RIMS ERM Conference on November 17th and 18th. She will lead the ERM Networking Breakfast Tabletop Discussions. [4:12] Kellee Ann has a fascinating career, and she works in a unique sector. She's an energy sector professional and works in the oil and gas industry. The key to her embarking on the risk journey was when she did her Master's in Project Management. [4:36] One of the areas was Project Risk Management, to which Kellee Ann had a great affinity. She liked the analytical thinking that goes behind assessing what could likely impact your project. [4:53] Also, the accountability and ownership that goes into the planning phase, making sure that you're thinking of everything that could go wrong, as a means of making sure that you're achieving your objectives. [5:05]  In 2004, Kellee Ann wrote her thesis on implementing enterprise risk management practices into private sector organizations. [5:15] It honed the tools she would use in project risk management with the greater goal of having a large impact on the organization, by impacting strategy and strategy delivery. [5:33] From there, Kellee Ann participated in risk committees in her organization and other organizations, helping them push the risk agenda and making sure they have the right mindset that allows them to make sure that they are achieving their business mandates. [5:59] Kellee Ann always intended to work in the energy sector in oil and gas. Her undergraduate degree is in chemistry. She always liked understanding how things are made and how they function. In the energy space, many of the operations are rooted in chemistry. [6:22] Kellee Ann speaks of the business component of getting the molecules out to market. ERM meshes with her affinity for chemistry, risk management, business, analytical thinking, and understanding how your business model functions and what could likely impact it.  [7:13] Kellee Ann has managed project risk registers for her department, on the commercial side. She is always risk-focused, identifying any threats to the business and incorporating that into contract negotiations, and how she liaises with her stakeholders and customers. [7:41] For Kellee Ann, it was a perfect match, meshing her passion and her job responsibility. In the risk management profession, you get to have a direct impact on the success or failure of your business. [8:03] Kellee Ann is based in Houston with Phoenix Park Energy Marketing Limited, the U.S. subsidiary of Phoenix Park Gas Processors LLC, which is located in Trinidad and Tobago. It's a natural gas processing facility. [8:23] Kellee Ann leads the commercial function of Phoenix Park Energy Marketing Limited. The energy sector is dynamic, impacted by geopolitics, the volatility of market prices, and even other industries, and the investments they make. [8:37] For example, AI requires lots of power to run. For AI development to be successful means heavily investing in power. That's likely to have an impact on commodity prices. Everything is interconnected. [8:52] Interconnected risk is a current process in terms of managing the complexity of the current business environment. The energy sector becomes a good proxy for how you manage complex operations and still run a profitable business, fulfilling its purpose and mission. [9:16] Kellee Ann's mental model of risk management is prudent decision-making. You have to be able to justify to the shareholders that you are leading the organization in the right direction and prove the thinking behind what you are recommending. [9:42] You have to demonstrate the value proposition: This is what will prevent me from implementing my mission, and this is what I'm going to put in place. [9:51] Even though this is preventing a threat, these are the opportunities I'm seeing out of it. This is how I can move the needle a little further, because I'm looking at it from a holistic perspective. I'm no longer looking at it as a separate function. It becomes good business. [10:16] Kellee Ann is not functionally in charge of commercial. She is in charge of the strategic aspects of it. The Risk Management Department focuses on the operational aspects of the business and also feeds in strategic elements. [10:29] Kellee Ann has incorporated ERM into her lifestyle because of her subject matter expertise. She has gotten the opportunity to lecture on enterprise risk management and offer consultancy for private sector organizations that are early adopters in terms of risk maturity. [10:49] Kellee Ann considers that she has a broad experience in risk management, leveraging the tools in each of her job responsibilities. [11:05] Kellee Ann is over enterprise risk management from a strategic perspective. She has a high-level view of all risks likely to impact operations. She ensures that all risk mitigations are in place and makes sure she is exploiting all opportunities the organization would like to embrace. [11:31] There is enterprise risk management expertise within the organization, focused on the functional perspective, while Kellee Ann focuses on the strategic perspective, looking at emerging risks and how they impact the business and the marketability of the product. [11:49] Kellee Ann also looks at what areas of opportunity it opens up for her in terms of making an impact on the customers. [11:58] Kellee Ann is Vice President of Commercial. There is a separate Risk Management Department. They work together regularly. Kellee Ann tells how risks are managed functionally and strategically, and that employees have toolkits to distill information for prudent decisions. [12:36] 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! [12:57] Registration closes January 5th. Enroll now. A link is in this episode's show notes. [13:06] Save the dates March 18th and 19th, 2026, for The RIMS Legislative Summit, which will be held in Washington, D.C. [13:14] 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. [13:28] We've got more plugs later. Let's return to our interview with Kellee Ann Richards-St. Clair! [13:48] When communicating risks and opportunities to executive leadership, instead of charts, Kellee Ann utilizes storytelling to create a more compelling description of what is happening in the market or external environment and how it's going to impact the organization. [14:08] Kellee Ann says there has to be a balance between the quantitative and the qualitative. [14:12] You have to communicate in a way that demonstrates the business case for taking a particular action, whether or not you want to enter a new market, market new commodities, or introduce new technology. [14:24] All of that is likely to introduce risks, either from a threat perspective or an opportunity perspective. You want to be able to have the conversation in a way that everybody understands, everyone is on the same wavelength, and understands why this direction has to be taken. [14:40] This is important in terms of culture building. You want to have a culture of risk management. You want to have a culture where everyone is aware that you're not making decisions by intuition, feeling, or personal bias, but that decisions are driven by data. [15:00] Context matters. Storytelling is what is going to make that context clearer. [15:05] Kellee Ann asks, if you decide by going with your gut, you might be lucky, but how do you defend it if your luck runs out? It's very important to be emotionless in decisions. The data has to tell the story. You want to marry the data with the context. [15:51] Global current events can be brought into the discussion if they are materially in context. In risk management, it's very important to determine the impact they are likely to have on the organization. It brings to the forefront the question of relevance. [16:09] News is important for information, from the point of view of awareness. You want to distill the news in the context of relevance to your organization. There will be some events where your competitors are taking a particular action successfully. [16:26] They may be successful because their business model is designed in a way that allows them to capture that opportunity faster. If you take a copy-and-paste approach, you may find that you're not going to be successful because your supply chain or context is different. [16:43] A snippet of it may be relevant, but you have to redesign it, looking at your internal resources or the eternal context. [16:53] You have to map it to internal resources to determine whether or not this is going to have a high impact on your organization, whether or not it's good to know, or whether or not it's to be monitored to determine when is the right time for you to implement it. [17:07] Kellee Ann says the complexity comes in distilling what it is, if it is relevant, and the timing of that relevance. [17:18] Kellee Ann is more inclined to work just in time rather than be tied to arbitrary deadlines that do not add value. This comes from her project management background. What are your business drivers? What are the regulatory deadlines? What is the customer expecting? [18:50] The art and science of risk management. [21:26] One Final Break! Some of you may have heard he recent RIMScast episode sponsored by Diligent, "Mastering ERM: Leveraging Internal and External Risk Factors," with Jason Venner, who's also a RIMS-CRMP-FED holder. [21:41] Jason is joining us here on RIMScast to discuss his upcoming appearance at the RIMS ERM Conference 2025, which will be held on November 17th and 18th. We will be seeing him present on Tuesday, November 18th. [21:58] His session is titled, "Benchmarking Beyond Boundaries: Elevating ERM Programs with External Risk Insights." Jason, welcome back to RIMScast! Tell us all about it! [22:08] Jason says, We're going to be joined by one of our partners, my colleague and friend, Maurice Crescenzi, an industry practice leader at Moody's, in Risk Analytics. [22:22] The audience is going to learn about the value of being able to benchmark your risk information and data against your peers, competitors, and suppliers to be able to provide your leadership and board with a single, clear view of holistic risk, internally and externally. [22:40] This session provides the external viewpoint. [22:51] Jason encourages audience participation and will be available for questions afterward, for as long as anyone needs. He is super excited to get to this conference! Several of his colleagues from Diligent are going to be there, along with Maurice and some of his colleagues. [23:05] If you don't catch Jason after the session, please stop by the Diligent booth. He'll talk for as long as you want. We'll see you there! [23:15] Thank you, Jason. I look forward to seeing you there. As we said, remember to look for the link in this episode's show notes to Jason's recent RIMScast appearance on mastering ERM. [23:28] Let's Conclude Our Interview with Kellee Ann Richards-St. Clair! [23:51] Kellee Ann describes business risks. You want to get away from siloed thinking. Risk management tends to create siloes of functional, financial, and operational risks. You have to look at it all as business risks.  [24:38] There's liability. You have to pay out claims, or there's an impairment to your reputation, either losing the customer trust to operate, or shareholders withdrawing their cash. It starts with reframing. Kellee Ann speaks of environmental risk and supply chain resilience. [25:39] If you are a coffee supplier, what is the risk if you lose access to coffee plantations? The cost of supply increases. The quantity of produce is no longer there due to climate change. [26:09] There are aspects of human rights. Are you procuring employees in a fair and just manner? Are the work conditions safe? It's a business risk if people leave because they are not safe. The conversation has to be reframed in terms of how you are identifying risk. [27:06] Environmental risks can be greater and more material than operational risks. [27:42] About ESG Governance. Planetary boundaries are not anecdotal or a special-interest topic. They have to be part of the risk conversation about your risk capacity. Kellee shares an example about shipping through port facilities. Map your risks, global to internal. [30:13] Kellee Ann explains further about climate risks, resources, and geopolitical sensitivities. [31:59] Looking at the agenda of the ERM Conference 2025, Kellee Ann is starting and closing our day on Tuesday, November 18th. She'll be supervising the ERM Networking Breakfast Tabletop Discussion. There will be discussions at each table, and you are encouraged to join in. [32:32] Kellee Ann will be leading off the topic on Emerging Risks. She'll be interested to find out from her peers who will be on the table for their views on Emerging Risks and the tools they use to identify and manage emerging risks in their organizations. [33:02] At the end of the day, at 3:30 p.m., Kellee Ann will be part of the ERM Conference Finale, SERMC Panel Discussion, along with other members of the RIMS SERMC Council, to recap some of the Conference highlights, observations, and new information. [33:24] Kellee Ann is excited to be onstage with the others, gain new insights, and share her perspective on what she learned at the Conference. Kellee is comfortable onstage. [33:44] Justin says it will be a new way for us to close out the Conference. I'm very much looking forward to it and to meeting you in person, as well. [34:05] The RIMS ERM Conference has been on Kellee Ann's wish list for a while, and she's made it happen this year. [34:22] I look forward to seeing you on November 17th and 18th at the RIMS ERM Conference 2025, in Seattle, Washington. [34:37] Special thanks again to Kellee Ann Richards-St. Clare for joining us here on RIMScast. She will be omnipresent at the RIMS ERM Conference 2025, November 17th and 18th, and especially on the 18th. She'll be helping to kick off that Breakfast Networking Session. [34:54] And then at 1:30, she was recently added to the new session, "Exploiting Uncertainty: Making the Business Case for Strategic Risk Treatments." That was added after this interview was recorded. [35:05] Of course, Kellee Ann will be on the panel closing out the Conference, during the Finale, so be sure to stop by, say hello, and tell her that you heard her fabulous interview on RIMScast! [35:18] 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. [35:46] 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. [36:03] 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. [36:20] 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. [36:36] 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. [36:50] 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. [37:01] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 | Register Now 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 Professional Report: "Understanding Interconnected Risks" Upcoming RIMS Webinars: RIMS.org/Webinars "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World" | Nov. 6 | Sponsored by HUB   Upcoming RIMS-CRMP Prep Virtual Workshops: 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) "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: "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent (New!) "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: Kellee Ann Richards-St. Clair, Vice President, Commercial, Phoenix Park Energy Marketing Limited (US Subsidiary Phoenix Park Gas Processors LLC) member of the RIMS Strategic and Enterprise Risk Management Council (SERMC).   Production and engineering provided by Podfly.  

Small Cap Breaking News You Can't Miss!Here's a quick rundown of the latest updates from standout small-cap companies making big moves today.AISIX Solutions (TSXV: AISX) AISIX signed a 30-day pilot with a global specialty insurer to evaluate its Climate Genius wildfire risk platform on up to 500 locations. The trial measures underwriting relevance, integration, UX, and operational value across portfolio and address-level views. If KPIs are met, both parties intend to negotiate a paid engagement—a potential catalyst for AISIX's insurance-market rollout.LaFleur Minerals (TSXV: LFLR) LaFleur kicked off twin-hole confirmation drilling at the Swanson Gold Deposit and advanced recommissioning of the 750 tpd Beacon Gold Mill near Val-d'Or, Québec. An ERM-led PEA will integrate drilling, metallurgy, and mill data to assess a near-term restart path. With historical thick, near-surface intercepts and a permitted mill, LaFleur is positioning for faster time-to-cash-flow in a Tier-1 jurisdiction.Power Metallic (TSXV: PNPN) Power Metallic reported 5.35 m @ 11.97% Cu (16.35% CuEq) at the Lion zone, expanded its Québec land package to 313 km², and set fall–winter drill priorities targeting deeper BHEM conductors (including Tiger Deep). The company is shifting to skid rigs for better depth penetration as it balances resource definition at Lion with discovery upside across newly consolidated ground.Newcore Gold (TSXV: NCAU) At Ghana's Enchi project, Newcore intersected 1.08 g/t Au over 22.0 m (incl. 2.78 g/t over 7.0 m) and 1.29 g/t over 15.0 m at Kwakyekrom—outside the current pit shell. The 45,000 m program supports resource growth and conversion ahead of a Pre-Feasibility Study in H1 2026, with drilling confirming continuity along strike and at depth across a district-scale land package.Aztec Minerals (TSXV: AZT) (OTCQB: AZZTF) Aztec's Tombstone (Arizona) program delivered one of its best intercepts to date: 36.5 m @ 8.14 g/t Au & 49.67 g/t Ag, including 4.6 m @ 58.5 g/t Au & 158 g/t Ag from near surface in a previously untested area. 29 RC holes are complete (16 pending). Core drilling is set to resume, targeting deeper CRD potential beneath the oxide system.Follow AGORACOM for more breaking small-cap news and investor updates — and don't miss our podcast for in-depth discussions and interviews!

S Ensemble «Hot Stuff» het ihri neusti Produktion «Turn on» Afangs Herbst im Theater am Gleis ufgführt gha. Im Tanzstuck goht's um wiiblichs Vergnüege, Körperautonomie und Ermächtigung. Jenn Unfug het s Stuck törfe ufzeichne und mit de Choregrafin und Performerin Soraya Leila Emery, und de Performerinne Donia Speaks und Lena Sophia Bagutti Khennouf törfe über d Inhält vom Stuck rede – das Ganze ufgrund vode Mehrsprochigkeit vom Ensemble uf English.

S Ensemble «Hot Stuff» het ihri neusti Produktion «Turn on» Afangs Herbst im Theater am Gleis ufgführt gha. Im Tanzstuck goht's um wiiblichs Vergnüege, Körperautonomie und Ermächtigung. Jenn Unfug het s Stuck törfe ufzeichne und mit de Choregrafin und Performerin Soraya Leila Emery, und de Performerinne Donia Speaks und Lena Sophia Bagutti Khennouf törfe über d Inhält vom Stuck rede – das Ganze ufgrund vode Mehrsprochigkeit vom Ensemble uf English.

S Ensemble «Hot Stuff» het ihri neusti Produktion «Turn on» Afangs Herbst im Theater am Gleis ufgführt gha. Im Tanzstuck goht's um wiiblichs Vergnüege, Körperautonomie und Ermächtigung. Jenn Unfug het s Stuck törfe ufzeichne und mit de Choregrafin und Performerin Soraya Leila Emery, und de Performerinne Donia Speaks und Lena Sophia Bagutti Khennouf törfe über d Inhält vom Stuck rede – das Ganze ufgrund vode Mehrsprochigkeit vom Ensemble uf English.

S Ensemble «Hot Stuff» het ihri neusti Produktion «Turn on» Afangs Herbst im Theater am Gleis ufgführt gha. Im Tanzstuck goht's um wiiblichs Vergnüege, Körperautonomie und Ermächtigung. Jenn Unfug het s Stuck törfe ufzeichne und mit de Choregrafin und Performerin Soraya Leila Emery, und de Performerinne Donia Speaks und Lena Sophia Bagutti Khennouf törfe über d Inhält vom Stuck rede – das Ganze ufgrund vode Mehrsprochigkeit vom Ensemble uf English.

Am Samstag, den 22.11.2025 gibt es meinen ersten Online-Limerick-Workshop "Fit für die Reimreise" für alle, die die Grundlagen des Limerickhandwerks lernen und Stolperfallen vermeiden möchten. Neben konkreten Techniken für sauberes Metrum, gelungene Pointen, originelle Reime und sprachliche Eleganz schreibst du in praktischen Übungen eigene Limericks und erhältst Gruppenfeedback zum Feinschliff. Am Ende des Workshops weißt du, wie ein guter Limerick funktioniert und hast das Handwerkszeug, dich selbständig auf die Reimreise zu machen. Also, worauf wartest du? Anmelden und einsteigen! Limerick-Workshop "Fit für die Reimreise" - Infos und Anmeldung. Mitglieder im Club Limerix erhalten Ermäßigung (ab "Promenadenmix").

Alle Informationen zur Carnivoren Ernährung unter www.carnitarier.de. ______________________________________________ Herzlichen Dank an unsere WERBEPARTNER: www.carnivoro.eu: Supplemente rund um die Carnivore Ernährung Mit dem Gutscheincode CARNITARIER erhältst du 10 % Rabatt auf deinen ersten Einkauf! Affiliate Link: www.carnivoro.eu/carnitarierinwww.kaufnekuh.de: Fleisch aus artgerechter Haltung mit fairen Preisen für Landwirte Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf ab 50 €. www.mindful-meat.com: Hochwertiges Hirschfleisch aus den Wäldern Deutschlands. Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf. www.pemmican-shop.de: Europas einzige originale Survival Beef Bar – Made in Germany. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen ersten Einkauf.www.theminerals.de: Beste Elektrolyte für die Umstellung auf Keto und für Carnivoren, die viel Sport treiben. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen Einkauf. _________________________________________Folge 206: Koch dich klug – Dr. Manuela MacedoniaDr. Manuela Macedonia, Neurowissenschaftlerin und senior scientist an der Johannes-Kepler-Universität in Linz stellt uns ihr neues Buch “Koch dich klug” vor. Das Buch ist die Fortsetzung des Sachbuches “Iss dich klug”, in dem sie die Grundlagen ihrer Ernährungsempfehlungen erläutert hat. Es enthält traditionelle Rezepte, die aus natürlichen Lebensmitteln aus der alpenländischen Region bestehen. Dr. Manuela Macedonia betont die Wichtigkeit tierischer Proteine für unsere Gehirngesundheit. Wir benötigen die Aminosäuren aus tierischen Lebensmitteln für unsere Neurotransmitter im Gehirn. Auch wenn es einige Menschen gibt, die mit einer vegetarischen Ernährung gut zurechtkommen, so kann man das nicht für die gesamte Bevölkerung sagen, denn Nährstoffe sind aus Pflanzlichem nicht so leicht bioverfügbar. Wie sie durch ihre Reise bei den Samuru in Afrika erfahren hat, kommen die Menschen dort mit fast ausschließlich Tierischem sehr gut zurecht und erfreuen sich einer guten Gesundheit. Ihr Kochbuch enthält nicht nur Rezepte, sondern auch sehr viel Wissenswertes kurzgefasst. So auch über das Ei und die Rohmilch und ihre Weiterverarbeitung zu Käsesorten verschiedenster Art. Von Nahrungsergänzungsmitteln rät sie ab, da ein natürliches Lebensmittel immer alle Komponenten mit sich bringt, die zur Bioverfügbarkeit der Vitamine oder Mineralien besser beitragen als ein industriell gefertigtes Supplement. Auch bei Omega-3-Fischölkapseln sollte man wegen der Gefahr des Verderbens der mehrfach ungesättigten Fettsäuren vorsichtig sein und frischen Kaltwasserfisch wie die Makrele bevorzugen. Auch ein intermittierendes Fasten mit maximal zwei Mahlzeiten ermöglicht auch zwischendurch eine Autophagie des Gehirns.Ihr könnt Dr. Manuela Macedonia erreichen unter www.macedonia.at, sowie bei Instagram und Facebook unter @manuelamacedonia.___________________________________________________________Fleischzeit ist der erste deutschsprachige Podcast rund um die carnivore Ernährung. Hier erfahrt ihr Tipps zur Umsetzung des carnivoren Lifestyles, wissenschaftliche Hintergründe zur Heilsamkeit sowie ökologische und ethische Informationen zum Fleischkonsum. Eine Übersicht über alle Folgen findet ihr hier: www.carnitarier.de/fleischzeitpodcastAndrea Siemoneit berichtet nach über sechs Jahren carnivorer Ernährung über ihre Erfahrungen und Erkenntnisse. Außerdem interviewt sie andere Carnivoren und Wissenschaftler.Ihr findet sie auf Instagram unter @carnitarier.deHandbuch der Carnivoren Ernährung: www.carnitarier.eu Haftungsausschluss:Alle Inhalte im Podcast werden von uns mit größter Sorgfalt recherchiert und publiziert. Dennoch übernehmen wir keine Haftung für die Richtigkeit, Vollständigkeit oder Aktualität der Informationen. Sie stellen unsere persönliche subjektive Meinung dar und ersetzen auch keine medizinische Diagnose oder ärztliche Beratung. Dasselbe gilt für unsere Gäste. Konsultieren Sie bei Fragen oder Beschwerden immer Ihren behandelnden Arzt.

Interview with Paul Ténière, CEO, Lafleur MineralsOur previous interview: https://www.cruxinvestor.com/posts/lafleur-minerals-cselflr-swanson-expansion-targets-500k1m-oz-resource-in-quebec-gold-camp-8112Recording date: 28th October 2025Lafleur Minerals is positioning itself for gold production within 12 months through the strategic integration of its Swanson deposit with the fully-owned Beacon Gold Mill in Quebec. CEO Paul Ténière outlined the company's comprehensive development plan during a detailed discussion, emphasizing how existing infrastructure and historical data are being leveraged to accelerate the path to production.The company is targeting completion of a preliminary economic assessment by December 2025, though Ténière noted the study approaches prefeasibility-level detail despite its PEA classification for regulatory purposes. "It's kind of misleading in a way to call it a PEA. We're calling it a PEA level only because really we're moving into a PFS level," he explained. The scope includes comprehensive work by ERM consultants covering pit design, metallurgical testing, ore sorting evaluation through SRC in Saskatchewan, and a mineral resource update incorporating twin holes at Swanson.The Beacon Gold Mill, which operated until 18 months ago under previous ownership by Monarch Mining, provides Lafleur with detailed operating cost data rarely available to development-stage companies. A dedicated team of engineers is already mobilized at the site, with initial maintenance and repairs estimated at $2-6 million. The restart strategy includes processing 5,000 tons of existing stockpile to validate equipment performance before Swanson material arrives in early 2026.Swanson's location on an existing mining lease 45-50 kilometers from Beacon significantly streamlines the permitting pathway. The company needs only to submit an updated mine plan and environmental closure plan to Quebec authorities, a process Ténière indicated "can be done in a matter of months" rather than years. The initial development phase envisions an 80,000-100,000 ton bulk sample that represents the first phase of mining, serving to validate metallurgical projections while generating early cash flow.Beyond the initial open-pit scenario, Lafleur has identified multiple expansion pathways including underground resources at Swanson showing higher grades at depth, potential mill expansion to 3,000 tons per day, and custom milling opportunities for regional deposits.Learn more: https://www.cruxinvestor.com/companies/lafleur-mineralsSign up for Crux Investor: https://cruxinvestor.com

In this episode, Mark Lee is joined by Darren Stralow, CEO of Bellevue Gold, and Dr Mary Stewart, ERM's Lead Partner for Corporate Sustainability and Climate Change in Australia. Together, they explore Bellevue Gold's journey to becoming the world's first net zero gold mine and discuss the evolving role of sustainability in the mining sector. From regulatory shifts and investor expectations to decarbonization strategies, their discussion delves into how Bellevue Gold is navigating industry challenges while pursuing innovative approaches to sustainability and responsible mining.Their conversation covers:Sustainability as a strategic advantage Decarbonizing gold: avoid, eliminate, reduce, offsetThe future of sustainability in miningRelated links:Mission Critical: Resilient mines for a modern societyEpisode 33: We are all miners: Rethinking mining investment featuring Appian CapitalSustainability that pays: Defining a credible business case for investing in sustainability in mining and metals

Heute stellen wir uns die Frage: Ist Geld wirklich das Ziel? Oder doch nur ein Mittel zum Zweck? Und was bedeutet das für unseren Umgang damit, unsere Entscheidungen und unsere Lebensqualität? Wenn wir über Geld sprechen, reden wir oft über Zahlen: Gehalt, Kontostand, Investitionen. Aber hinter all dem steckt etwas viel Wichtigeres: Was wir mit dem Geld eigentlich machen wollen. Geld ist – nüchtern betrachtet – ein Tauschmittel. Aber emotional ist es oft viel mehr: Sicherheit, Freiheit, Einfluss, Anerkennung – oder auch Stress, Angst und Druck. Viele Menschen jagen dem Geld hinterher, ohne zu fragen: Wofür eigentlich? Dabei ist Geld ein Ermöglicher. Und wer Geld als Ermöglicher begreift, fragt: - Was möchte ich in meinem Leben realisieren? - Welche Werte will ich leben? - Und wie kann Geld mir dabei helfen – statt mich davon zu entfernen? Geld bekommt seinen Wert durch den Zweck, den wir ihm geben. 1000 Euro sind nichts wert, wenn du nicht weißt, was du damit anfangen willst. Aber wenn du damit z. B. Zeit mit deiner Familie kaufen kannst – dann ist es plötzlich unbezahlbar. Und hier liegt der Unterschied: Menschen, die Geld bewusst einsetzen, leben oft erfüllter – selbst, wenn sie objektiv weniger Geld zur Verfügung haben. Geld schafft Freiheit – aber nur, wenn du weißt, wofür du sie nutzen willst. Finanzielle Unabhängigkeit ist ein Zustand, in dem du entscheiden kannst, was du mit deiner Zeit, Energie und deinen Ressourcen machst. Und deshalb lohnt es, sich selbst zu fragen, was du mit deiner Zeit machen würdest, wenn du morgen finanziell frei wärst. Wenn du darauf keine klare Antwort hast, ist vielleicht nicht Geld das, was du brauchst – sondern Klarheit. Geld ist ein Ermöglicher. Doch es erwartet von Dir, dass du dir darüber im Klaren bist, wie du es einsetzen willst. Geld will dienlich eingesetzt werden. Wie kannst du Geld so einsetzen, dass es dir dient? Wenn dir diese Folge gefallen hat, teile sie gerne mit Menschen, denen der Inhalt auch weiterhelfen kann. Ich wünsche Dir eine erfolgreiche Woche.

Lady Annabelle & Kate Two stories from 3 centuries, about one English mansion. By Blacksheep. Listen to the Podcast at Steamy Stories. An aristocrat has an exciting encounter with a highwayman It is the Year of Our Lord 1760, and the roads leading to and from London be the most perilous for any traveler. Hounslow Heath being a favorite haunt of the highwayman and footpad. Folly indeed, for the unwary to wander alone. And London be a very wicked place, so it hath been told, with whores, beggars and cutpurses on every street corner, The journey of Lady Emily Arundel and her daughter Annabelle had been an uneventful one so far. "And when we arrive at Mablethorpe Hall, be sure to show your appreciation to Lord Barrington-Smythe. His son, William, wishes to seek your hand in marriage," Lady Emily began. "Yes Mother," her daughter replied, with a distinct lack of enthusiasm. "His estate comprises over a hundred acres of land," "Well, hark at that!" "owns several horses related to Whistlejacket," Annabelle struggled to contain a sigh. "properties in the colonies," "How glorious, Mother." "knows a clutch of fashionable London society in beautiful silk suits and powdered wigs attended by almost equally well appointed valets! Whom are accompanied by gorgeous ladies in even more elaborate wigs and dresses in the latest Paris fashions," The corpulent gentleman sat opposite them in the coach was Lord Bracewell, an old and dear friend of Lady Emily. He grinned at Annabelle, sensing her discomfort. "Your Ladyship, it may please you to know, that we are but a mile from our journey's end." And thank heaven for that, Bracewell thought to himself, now feeling the great need of a chamber pot after drinking an excess of ale. He adjusted his periwig. "Erm, perhaps an opportunity at this gathering for a, f, er, you know, eh?" He gestured something and Lady Emily quickly tapped his leg with her foot. "Shush. Manners, Cuthbert! Later, perhaps," At that moment the coach lurched as it hit a particularly large pothole. This stretch of road was notoriously bad. Suddenly, the coach shuddered to an uncomfortable halt and the horses squealed. Other hooves could be heard alongside. "Stand and deliver!" "Oh dear God!" Lord Bracewell exclaimed, crossing himself. "I fear we are about to be robbed!" The masked stranger yelled at the coachman. "Throw down your weapons my bonny boy, or I'll spill your guts on the road!" There was the sound of muskets hitting the ground. Inside the coach, Lady Emily trembled and uttered a prayer. A robber might take more from a lady than her silver. Annabelle should've been as terrified as her mother, but her wildly-beating heart was more out of excitement. "Perhaps this man may be more merciful than we give him credit for?" "Hush, my dearest daughter. These bandits are without scruples! Pray to the Lord!" A bay-colored horse's head and then its rider appeared outside the window. The figure who leaned down to peer into the window appeared tall, wearing a cape, a three-cornered hat and a black handkerchief across his mouth. Dark brown eyes. "Well now, what fabulous treasure do I find?" The highwayman pointed a flintlock pistol inches from Annabelle's face. He leaned forward and with a move of his wrist he flicked back her hood with the muzzle of the pistol. "Ah. A true English Rose." "Sir, I beg of you, do not harm my daughter," Lady Emily intervened. "She is but eighteen, an innocent child, she has no silver!" "Her fortune awaits at Mablethorpe Hall no doubt. But it is she I am taking, not her money. Come." And he beckoned, the hand still held out to help Annabelle down. "Why, what foul swine would take a young lady's honor? I forbid you to lay one finger on her!" Lady Emily yelled. "Take me in her place." "No Mother, I shall do as he asks," Annabelle interrupted, taking his hand. "My child, no!" "It shall be alright Mother," Annabelle replied. "Your daughter knows her own mind, Madam," the highwayman said. "So now, I must ask you to keep thine own counsel. It would give me no pleasure to shoot your coachman and your gentleman companion." Lady Emily could do nothing but remain in the coach as the mysterious stranger led Annabelle away and into the trees at the side of the road. "Sir. If I may be so bold, may I request a merciful death?" The damsel inquired. This rather caught the highwayman off guard. This young lady intrigued him far more than the other wealthy folks he'd ambushed in the past. How the ladies had screamed like banshees and pleaded for their lives. The simpering, periwigged dandy who'd pissed his breeches when a gun was pointed at his head. Aristocrats. The damned preening lot of them! How he loathed these ruling peacocks. Oh, he hadn't always been a highwayman. Back in his old life he'd fought for king and country. Until good fortune and those he looked up to had betrayed him, He had planned to kidnap the girl and hold her to ransom. Lord Arundel's daughter would command a high price. "You are indeed bold. And, I have no wish to kill you. Your beauty and grace are extremely attractive to young men and it is bound to rouse their passions." Annabelle thought for a moment. "Since I am without silver or jewels, perhaps I could offer you a gift of a different kind? If I were to sufficiently please you, would you let my mother, Lord Bracewell, the coachman and myself go free? I'll do anything, to please you." He blinked. "Even the most unladylike of things? Do you realize what you are saying?" "Sir, I am shortly to be married. It would be most helpful if I were sufficiently skilled in how to pleasure my husband on our wedding night. I have no experience whatsoever in meddling with a man, perhaps if I could, practice somehow." Those less-than-polite urges that had been assaulting her body recently, had now found the perfect outlet. "Will you service my prick like a common whore?" "Yes sir," Annabelle replied, kneeling before him. "Let's see you try then." He kept his pistol in his right hand. "No teeth." Annabelle unbuttoned the highwayman's breeches slowly, her careful motions at odds with the look in her blue eyes and pulled out the large and swollen member. She couldn't help but stare at his impressive length, simultaneously afraid and eager. A man's weapon in all its hardened glory. A thing she'd previously glimpsed from afar, now in her hands. He expected her to hesitate, but to his surprise, she leant forward and ran her tongue up the shaft. With all haste, she opened her mouth, allowing him to move it inside. He began to thrust his cock inside her mouth, holding her head steady. Shocked at herself, Annabelle couldn't deny that as she heard him pant and moan, she felt somehow strangely empowered. She began to suck, working her tongue around his member. The highwayman cursed and blasphemed holding her head firmer as he began to thrust faster. Eventually, he grasped her blonde hair tightly as he groaned, pushing his entire length down her throat and shot his seed into her. She swallowed every drop of it, rather liking the taste. "Impressive," he panted. He'd enjoyed that a lot more than he was willing to admit, but wasn't done with this little rich girl just yet. "Have you had enough yet, Marchioness Whore?" Panting she replied, "I think not. Please." "Please?" He ran his hand under her dress and up her thigh. "Please what?" "Please sir." He fingered her tantalizing wet womanhood. "Louder, if you please." "Ah, Please sir!" He chuckled, and withdrew. She was ready to beg him, but before she could he had her up against a tree, hands tied then the rope wrapped hight around the thick trunk. With swift action he pulled up her skirting and down went her petticoat. Pulling her ass out to meet him, had entered her virgin cunt from behind, feeling the satisfying tightness of a deflowering. She winced and made a squeal similar to those a fox makes when mating. It hurt, but at the same time it felt so good. The highwayman withdrew until just his cockhead was still engaged, leaving Annabelle feeling a little disappointed. But then he pushed back in, all the way and in one go. His animal instinct had kicked in and he had one overriding desire; to plant his seed in this nubile young lady. He picked up speed, plunging deeply each time. Annabelle's own arousal was equally uncontrolled. She knew what was about to happen after her recent voyeurism of Lord Bracewell fucking her mother across a grand piano one afternoon. A more amusing rather an arousing spectacle that brought to mind an overfed pug mounting a chair leg. This time the explosion was even more powerful - and it was accompanied by the highwayman's roar as she felt him fill her passage with his issue. It seemed to go on forever and she felt it leaking out around his shaft and down her legs. "God," he gasped as he finally withdrew from Annabelle. He untied her and helped her stand. "Did I, please you sir?" Annabelle inquired in her refined & well-bred cadence. The highwayman finally removed his face covering. Annabelle was surprised to see a weathered but good-looking man, with cheeks bearing scars. Under his cape, she had glimpsed a torn and darkened coat, that had been, long ago a Redcoat officer's uniform. This man was no stranger to battle, and had a long history that he wasn't prepared to reveal. "You and the others have earned your freedom Your Ladyship." He said with a bow, removing his 3-point hat in the process. Her charms prevailing to ransom her entourage. His siring became her own treasure, preparing her for yet more charming accomplishment in the upcoming matrimonial bedchamber. A Night at Mablethorpe Hall Two millennials Ravished by the ghost of a Redcoat on Halloween. "Don't you just love a Halloween-themed tour and a meal at an English country house?" Kate said to her friend as the minibus they were in pulled into the grounds of Mablethorpe Hall. "Yeah, these old places have a real atmosphere!" Chloe replied. "I've wanted to do something like this for like, forever. Stay overnight in some old place, pretend I'm lady of the manor. I'm so glad I booked this trip." "Kate you are such a history nerd. Lucy Worsley has a rival." "My heart is in the 18th century. Seriously. I just love anything from that time." Kate had often been described as an atypical millennial. They got off the bus and collected their luggage. "Come on, the tour is about to start. Let's dump our luggage. Apparently this place is haunted." Kate smiled. "All good English manors should have at least one ghost! Three hours in a minibus. I'm stiff from sitting so long." They collected their room keys. The Hall had not yet upgraded to the modern electronic key cards. Kate liked that. A traditional brass key was more in keeping with the decor. The receptionist looked worried. "Are you ok with having Room 13?" she asked. "Sure. I'm not superstitious. Don't tell me it's haunted?" "Well, some guests have reported that really strange things happen in that room. And the wi-fi doesn't work in there." Kate just assumed the woman was joking. "In that case, it sounds like my kind of room! Think I can last a few hours without wi-fi." The room was large and splendid. "Seriously? I get a king-size four poster bed?" Kate exclaimed as she gazed in awe. "This is so fantastic! I feel like Queen Anne." The bed looked so inviting, Kate couldn't resist just flopping back on it and spreading out. "Bliss!" she sighed. So much better than the single bed back at her cramped one-bed flat. She closed her eyes, Abruptly, Kate was overcome by a bizarre horniness, and masturbated more than she'd done in a long time. She was getting so wet, so hot and in a rush to give herself the release she so desperately needed. She hitched up her dress and pushed her panties down just a bit, then shoved her right hand down to her cunt. She used her left hand to push up her nightshirt and play with her breasts, pinching her nipples hard, making her moan with pleasure. Kate's right hand was busy with her cunt, alternately slipping down between her cunt lips and inside her hot, wet core, fucking herself with fingers, then pulling out to rub her clit. Back and forth, over and over. She was moaning, fantasizing about being pounded, pounded by an unknown uniformed man. Begging him to fuck her harder and send her climaxing in ecstasy, Kate was screaming. Suddenly her orgasm peaked and hit full force. She stopped all movement with her hands momentarily then began again, at first very fast and hard, then slowing as her orgasm began to subside. She lay there as her breathing slowly returned to normal. "Jesus," she muttered, when she could finally catch her breath again. "What the hell just happened?" The tour had already begun when Kate arrived to join the others. "What took you so long?" Chloe asked. "Thought you'd got lost." "Oh I just, er, oh wow, check out that tour guide!" "Mablethorpe Hall, one of Berkshire's finest country estates back in the day," the tour guide began. He was dressed in early 18th century period costume, with a long wig, frilled cuffs and breeches. "He looks just like John Hurt did in Rob Roy. I love the costumes in that movie." Kate whispered to Chloe, who rolled her eyes. Kate listened intently as every detail of the building's history was described. "But the most fascinating story of Mablethorpe," the guide continued, "is that it's said to be haunted by Major Robert Wolfe, a British Army officer." The was a chorus of "oh!" from the assembled tourists. "The Major is said to return to Mablethorpe every Halloween night, in hope of seeing the woman he once loved." "So the poor sod just wants to get laid?" a middle-aged bloke at the front said, and everyone burst out laughing. The tour guide evidently took this old legend extremely seriously and did not see the funny side. "As I was saying, the Major was in love with Lady Annabelle Barrington-Smythe. That in itself was a scandal, for she was married to William Barrington-Smythe. Rumor has it that the Major was actually a notorious highwayman known as The Fox, " Later, the guests were treated to a Halloween-themed meal in the Hall's grand banqueting room. There were the usual things adorning the tables - Jack o' lanterns, candles everywhere, fake cobwebs. In the background, a string quartet dressed as witches played a medley of Bach and Handel. "Not as spooky as I was expecting," Chloe said as she sampled the pumpkin pie and spiced rum. "I was hoping the lights were going to go out and there'd be a jump-scare or something. Like two years ago when we went to that zombie-themed night at Castle Howard. That was creepy as hell!" "This is nice though. Lots of atmosphere. I like it here. I'd like to, get married in a place like this. Have a historical-themed wedding. That is, if, " "When, Kate. When you meet that ideal guy. And you will. He's out there. Plenty of fish. Steve was a complete areole, but he's ancient history. A bit like this hall." "True!" After the meal concluded, there was more live music and dancing. "Think I'm going to call it a night," Kate said. "Oh you lightweight," Chloe replied, already tipsy. "Aren't you going to stay up for the midnight ghost walk in the grounds? You might see a good-looking highwayman." "No, I'm totally exhausted. Really. You can tell me all about it in the morning." "Fine, whatever. I know you're too afraid!" Kate headed up to her room, surprised at being overcome by such tiredness. She hadn't drunk that much, and it had hardly been an energetic evening. The glorious king-size bed and it's luxurious blankets beckoned, Sometime after midnight, Kate was in a deep slumber, but also in the throes of a nightmare. He's coming, Kate did not dream often, and she was even less often plagued by bad dreams. Several times she stirred, came half awake, and heard herself gasping in panic. Once, drifting up from some threatening vision, she heard her own voice crying out wordlessly in terror, and she realized she was thrashing about in the bed. Suddenly the air was oppressively heavy, hot, thick; as if it were not air at all but a bitter and poisonous gas of some kind. She tried to breathe, couldn't. There was an invisible, crushing weight on her chest. The unmistakable smell of gunpowder. Hoofbeats, many horses. Some kind of battle? A murderous barrage of lightning crashed like a volley of mortar fire, seven or eight tremendous bolts; and woke her from sleep in an instant. "Holy shit." Kate gasped as the storm made her sit upright in bed. She remembered what Chloe had said earlier, about the tour not being scary. Evidently, nature had now delivered a jump, a scare of its own. Already her memory of the nightmare had begun to dissolve; only fragments of it remained with her, and each of those disassociated images was evaporating as if it were a splinter of ice. All she could remember was that she'd been in a battle of some kind, and there had been many men - soldiers on horseback. They'd been pursuing her. Firing guns. As the nightmare receded, Kate became uncomfortably aware of how dark the bedroom was. Before going to sleep she had switched off both the bedside lamps. The curtains were all closed, and only thin blades of moonlight were visible between the gap she'd left. She had the irrational but unshakable feeling that something had followed her up from the dream, there was another presence in the room, oh God! She fumbled for the lamp switch, damn, where was it? Groped around, switched it on. Relief as golden light flooded the room, And then she saw him. Stood at the side of the bed. He was dressed in a Redcoat uniform, just calmly standing there. She gasped, but was so shocked, she couldn't utter a sound for a moment. Then her initial shock turned to anger. Was this part of the Halloween tour? Having re-enactors actually enter the guest bedrooms was completely unacceptable. "What the hell are you doing?" Kate yelled. He seemed taken aback by her reaction. "Who are you?" She demanded once she had caught her breath again. "I beg your pardon, Miss," he began. He removed his hat as he moved closer. "Major Robert Wolfe of His Majesty's 58th Regiment of Foot." "What are you doing here?" He smiled politely. "Where I come from, when a gentleman introduces himself, a lady generally responds in kind." Kate was about to respond with a sarcastic remark, but then she noticed that he was surrounded by a faint, silver glow. Her heart began to pound like crazy. Gathering all her courage, she decided to ask him directly. "Are you, dead?" The Major's face relaxed into a smile. "Oh indeed. Quite, quite dead. As I have been since the last night of October, Seventeen Sixty-five." Kate thought she might faint. "You're a," "A spirit, why yes. An earthbound and restless one, forever drawn to return to Mablethorpe every All Hallow's night. Isn't that quite a tale? I most humbly apologies for subjecting you to my battle experiences earlier, but t'was the only way I was able to wake you." She looked him up and down. He did look a gentleman, to be sure, and a handsome one at that. The signature red coat, crossed with white belts, the brown hair tied back in a queue and neatly curled at the sides, the breeches, knee-high leather boots. A brass gorget glinted round his neck. The Major took one of her pale, slender hands. Kate was surprised to feel solid flesh, rather than some kind of gaseous form, as expected of a ghost. Was he more of a zombie? His hand was as cold as ice. Kate suddenly felt her cheeks flush, under his intense gaze. If all those old stereotypes about ghosts were true, then he could probably see right through her nightie, as well as walk through walls, "Um, why did you wake me?" He was still holding her hand. "Well, I must beg your forgiveness for the manner of this intrusion, my lady. I am honored to make your acquaintance. I was drawn to you from the moment you arrived here. You resemble so much, someone I lost, long ago. For the past 255 years I keep returning here, hoping to find a lady who might be able to satisfy my most urgent of needs," Kate bit her lip, as she recalled that earlier incident in the bedroom when she'd pleasured herself. She'd never been a religious person. But now she was considering sex with a ghost. Was she about to embark on something that might damn her soul? On the other hand, she'd been single for a while, had been craving the touch of a man, "Major, I am willing to help you in any way I can." "You are lovely beyond belief. If I may so bold as to show my appreciation?" He leaned in to kiss the exposed skin of her neck; his lips leaving a hot trail from just below her ear to the center of her throat at the neck of her nightie. Kate closed her eyes and moaned. "A little more, my lady?" "Yes, oh yes," He kissed her and she parted her lips to let him in. The heat of his mouth and his probing tongue sent shivers through her body and she shifted closer to him to feel the heat of his body against hers. She breathed in the faint masculine scent. Major Wolfe pulled back the bedcovers. Then he pushed her nightie up to bare her belly. Leaning her back, he took one hardened nipple with his lips and she gasped. He sucked, pulling with his lips. At Kate's soft moan, he drew in a shuddering breath. "Touch me," he pleaded hoarsely, bringing her hand to the waistband of his breeches, and then guiding it down to cup the bulge in his groin. She explored eagerly, desperately, feeling his full erection through his breeches and groping lower to feel his balls. Oh lord, she was trembling so much with excitement. Unfastening the fall front flap, she pulled out his engorged organ. She couldn't believe this was happening. She was groping the cock of a dead man! And she was so wet. Kate took his hot length in her hand, feeling it, and stroked it up and down as she licked and sucked at the tip. The Major was generously endowed, and she felt herself blush. "Here," he said, moving her unoccupied hand to cup his balls. "Don't be shy, my lady." Gently squeezing his balls, she slowly took his throbbing cock into her mouth. He moaned as she deep-throated him. "Oh my lady," he groaned. Then Major Wolfe clambered on the bed and put his head between Kate's thighs. The tip of his tongue brushed her clitoris. She jumped and willed him to move faster. At first his tongue explored her wet folds, but he replaced his tongue with gentle fingers that probed and rubbed and finally penetrated. Kate's wetness was dripping down her arse crack and he rubbed it around with his fingers. The sensation made her squirm and she placed her feet on his shoulders, and when he finally sucked on her clit, she lifted herself up to meet his tongue. None of her previous partners had ever thrilled her as much as this. His face was flushed and damp and his expression was one of pure longing. "My lady, I want you so much. "He whispered and pushed up into her. "Ah!" Kate gasped, more from surprise than the stretching sensation. "Are you alright?" he said, wrapping one arm around her and holding her close. She gave her answer by kissing him. He insinuated his hand between their bodies and fingered her clit as he began to move inside her. Holy shit, those fingers, he knew exactly how to pleasure a woman for maximum effect! For a moment Kate thought of the fact he'd been waiting over two and a half centuries for this! He stroked her again with wet, slippery fingers and thrust steadily up into her. The combination awakened something within that she'd never felt before. Kate dug her hands into his back and tried to speak, but couldn't form words. The Redcoat's large cock filled her completely, stretching her walls to the limit. He was groaning and fucking her like a wild beast. "Come for me, my lady," Major Wolfe whispered in her ear, and she cried out. "Come for me, release for me. Let us spend together," he pleaded, and she did, her head falling back, her whole body shaking and clenching with the intensity of orgasm. He followed immediately; in an instant their coupling reached its conclusion and she was filled to the brim with his seed, Kate didn't want to let him go. They lay joined for what seemed like a long time. Eventually, Major Wolfe gently withdrew his softening member from his mortal lover. "Dawn approaches, my lady." "No, Major, stay, please," she whispered, tiredness overcoming her. "Rest now, my love. I must go." Kate tried to say something, but sleep was rapidly overcoming her. "We shall meet again. Soon, my love," was the last she heard. The sound of someone knocking on the door finally woke Kate. She squinted at the curtains. Bright sunlight was streaming through the gap. "Kate, are you awake?" Chloe's muffled voice could be heard. Fumbling for a dressing gown, Kate staggered out of bed and opened the door. "There you are! Were you in a coma or something? It's 11 o'clock! You've missed breakfast and the minibus will be here in half an hour!" "Oh God, sorry, I forgot to set my phone's alarm clock. I, er, I'll be down as quick as I can." "Are you ok? You look a bit peaky." "Just crashed out. How was the midnight ghost walk?" "Midnight wash-out you mean. Did you see that storm last night? It was unreal. So much lightning. Thought a freaking nuclear bomb had gone off!" "Oh. Guess I missed that." "Jeez, you were in a coma. That thunder could've wakened the dead!" "Maybe it did," Kate wondered. Alone in the room again, Kate returned to the bed. Her mind was a tumult of emotions. "It wasn't all a dream, was it? The product of a Halloween-crazed imagination? It couldn't have been, " Suddenly she spotted something under the pillow. Eyes widening, she picked it up. The brass gorget. "He was real!" She clutched it to her chest. And hoped she wouldn't have to wait until next Halloween before she saw Major Robert Wolfe again. By Blacksheep for Literotica

Lady Annabelle & Kate Two stories from 3 centuries, about one English mansion. By Blacksheep. Listen to the Podcast at Steamy Stories. An aristocrat has an exciting encounter with a highwayman It is the Year of Our Lord 1760, and the roads leading to and from London be the most perilous for any traveler. Hounslow Heath being a favorite haunt of the highwayman and footpad. Folly indeed, for the unwary to wander alone. And London be a very wicked place, so it hath been told, with whores, beggars and cutpurses on every street corner, The journey of Lady Emily Arundel and her daughter Annabelle had been an uneventful one so far. "And when we arrive at Mablethorpe Hall, be sure to show your appreciation to Lord Barrington-Smythe. His son, William, wishes to seek your hand in marriage," Lady Emily began. "Yes Mother," her daughter replied, with a distinct lack of enthusiasm. "His estate comprises over a hundred acres of land," "Well, hark at that!" "owns several horses related to Whistlejacket," Annabelle struggled to contain a sigh. "properties in the colonies," "How glorious, Mother." "knows a clutch of fashionable London society in beautiful silk suits and powdered wigs attended by almost equally well appointed valets! Whom are accompanied by gorgeous ladies in even more elaborate wigs and dresses in the latest Paris fashions," The corpulent gentleman sat opposite them in the coach was Lord Bracewell, an old and dear friend of Lady Emily. He grinned at Annabelle, sensing her discomfort. "Your Ladyship, it may please you to know, that we are but a mile from our journey's end." And thank heaven for that, Bracewell thought to himself, now feeling the great need of a chamber pot after drinking an excess of ale. He adjusted his periwig. "Erm, perhaps an opportunity at this gathering for a, f, er, you know, eh?" He gestured something and Lady Emily quickly tapped his leg with her foot. "Shush. Manners, Cuthbert! Later, perhaps," At that moment the coach lurched as it hit a particularly large pothole. This stretch of road was notoriously bad. Suddenly, the coach shuddered to an uncomfortable halt and the horses squealed. Other hooves could be heard alongside. "Stand and deliver!" "Oh dear God!" Lord Bracewell exclaimed, crossing himself. "I fear we are about to be robbed!" The masked stranger yelled at the coachman. "Throw down your weapons my bonny boy, or I'll spill your guts on the road!" There was the sound of muskets hitting the ground. Inside the coach, Lady Emily trembled and uttered a prayer. A robber might take more from a lady than her silver. Annabelle should've been as terrified as her mother, but her wildly-beating heart was more out of excitement. "Perhaps this man may be more merciful than we give him credit for?" "Hush, my dearest daughter. These bandits are without scruples! Pray to the Lord!" A bay-colored horse's head and then its rider appeared outside the window. The figure who leaned down to peer into the window appeared tall, wearing a cape, a three-cornered hat and a black handkerchief across his mouth. Dark brown eyes. "Well now, what fabulous treasure do I find?" The highwayman pointed a flintlock pistol inches from Annabelle's face. He leaned forward and with a move of his wrist he flicked back her hood with the muzzle of the pistol. "Ah. A true English Rose." "Sir, I beg of you, do not harm my daughter," Lady Emily intervened. "She is but eighteen, an innocent child, she has no silver!" "Her fortune awaits at Mablethorpe Hall no doubt. But it is she I am taking, not her money. Come." And he beckoned, the hand still held out to help Annabelle down. "Why, what foul swine would take a young lady's honor? I forbid you to lay one finger on her!" Lady Emily yelled. "Take me in her place." "No Mother, I shall do as he asks," Annabelle interrupted, taking his hand. "My child, no!" "It shall be alright Mother," Annabelle replied. "Your daughter knows her own mind, Madam," the highwayman said. "So now, I must ask you to keep thine own counsel. It would give me no pleasure to shoot your coachman and your gentleman companion." Lady Emily could do nothing but remain in the coach as the mysterious stranger led Annabelle away and into the trees at the side of the road. "Sir. If I may be so bold, may I request a merciful death?" The damsel inquired. This rather caught the highwayman off guard. This young lady intrigued him far more than the other wealthy folks he'd ambushed in the past. How the ladies had screamed like banshees and pleaded for their lives. The simpering, periwigged dandy who'd pissed his breeches when a gun was pointed at his head. Aristocrats. The damned preening lot of them! How he loathed these ruling peacocks. Oh, he hadn't always been a highwayman. Back in his old life he'd fought for king and country. Until good fortune and those he looked up to had betrayed him, He had planned to kidnap the girl and hold her to ransom. Lord Arundel's daughter would command a high price. "You are indeed bold. And, I have no wish to kill you. Your beauty and grace are extremely attractive to young men and it is bound to rouse their passions." Annabelle thought for a moment. "Since I am without silver or jewels, perhaps I could offer you a gift of a different kind? If I were to sufficiently please you, would you let my mother, Lord Bracewell, the coachman and myself go free? I'll do anything, to please you." He blinked. "Even the most unladylike of things? Do you realize what you are saying?" "Sir, I am shortly to be married. It would be most helpful if I were sufficiently skilled in how to pleasure my husband on our wedding night. I have no experience whatsoever in meddling with a man, perhaps if I could, practice somehow." Those less-than-polite urges that had been assaulting her body recently, had now found the perfect outlet. "Will you service my prick like a common whore?" "Yes sir," Annabelle replied, kneeling before him. "Let's see you try then." He kept his pistol in his right hand. "No teeth." Annabelle unbuttoned the highwayman's breeches slowly, her careful motions at odds with the look in her blue eyes and pulled out the large and swollen member. She couldn't help but stare at his impressive length, simultaneously afraid and eager. A man's weapon in all its hardened glory. A thing she'd previously glimpsed from afar, now in her hands. He expected her to hesitate, but to his surprise, she leant forward and ran her tongue up the shaft. With all haste, she opened her mouth, allowing him to move it inside. He began to thrust his cock inside her mouth, holding her head steady. Shocked at herself, Annabelle couldn't deny that as she heard him pant and moan, she felt somehow strangely empowered. She began to suck, working her tongue around his member. The highwayman cursed and blasphemed holding her head firmer as he began to thrust faster. Eventually, he grasped her blonde hair tightly as he groaned, pushing his entire length down her throat and shot his seed into her. She swallowed every drop of it, rather liking the taste. "Impressive," he panted. He'd enjoyed that a lot more than he was willing to admit, but wasn't done with this little rich girl just yet. "Have you had enough yet, Marchioness Whore?" Panting she replied, "I think not. Please." "Please?" He ran his hand under her dress and up her thigh. "Please what?" "Please sir." He fingered her tantalizing wet womanhood. "Louder, if you please." "Ah, Please sir!" He chuckled, and withdrew. She was ready to beg him, but before she could he had her up against a tree, hands tied then the rope wrapped hight around the thick trunk. With swift action he pulled up her skirting and down went her petticoat. Pulling her ass out to meet him, had entered her virgin cunt from behind, feeling the satisfying tightness of a deflowering. She winced and made a squeal similar to those a fox makes when mating. It hurt, but at the same time it felt so good. The highwayman withdrew until just his cockhead was still engaged, leaving Annabelle feeling a little disappointed. But then he pushed back in, all the way and in one go. His animal instinct had kicked in and he had one overriding desire; to plant his seed in this nubile young lady. He picked up speed, plunging deeply each time. Annabelle's own arousal was equally uncontrolled. She knew what was about to happen after her recent voyeurism of Lord Bracewell fucking her mother across a grand piano one afternoon. A more amusing rather an arousing spectacle that brought to mind an overfed pug mounting a chair leg. This time the explosion was even more powerful - and it was accompanied by the highwayman's roar as she felt him fill her passage with his issue. It seemed to go on forever and she felt it leaking out around his shaft and down her legs. "God," he gasped as he finally withdrew from Annabelle. He untied her and helped her stand. "Did I, please you sir?" Annabelle inquired in her refined & well-bred cadence. The highwayman finally removed his face covering. Annabelle was surprised to see a weathered but good-looking man, with cheeks bearing scars. Under his cape, she had glimpsed a torn and darkened coat, that had been, long ago a Redcoat officer's uniform. This man was no stranger to battle, and had a long history that he wasn't prepared to reveal. "You and the others have earned your freedom Your Ladyship." He said with a bow, removing his 3-point hat in the process. Her charms prevailing to ransom her entourage. His siring became her own treasure, preparing her for yet more charming accomplishment in the upcoming matrimonial bedchamber. A Night at Mablethorpe Hall Two millennials Ravished by the ghost of a Redcoat on Halloween. "Don't you just love a Halloween-themed tour and a meal at an English country house?" Kate said to her friend as the minibus they were in pulled into the grounds of Mablethorpe Hall. "Yeah, these old places have a real atmosphere!" Chloe replied. "I've wanted to do something like this for like, forever. Stay overnight in some old place, pretend I'm lady of the manor. I'm so glad I booked this trip." "Kate you are such a history nerd. Lucy Worsley has a rival." "My heart is in the 18th century. Seriously. I just love anything from that time." Kate had often been described as an atypical millennial. They got off the bus and collected their luggage. "Come on, the tour is about to start. Let's dump our luggage. Apparently this place is haunted." Kate smiled. "All good English manors should have at least one ghost! Three hours in a minibus. I'm stiff from sitting so long." They collected their room keys. The Hall had not yet upgraded to the modern electronic key cards. Kate liked that. A traditional brass key was more in keeping with the decor. The receptionist looked worried. "Are you ok with having Room 13?" she asked. "Sure. I'm not superstitious. Don't tell me it's haunted?" "Well, some guests have reported that really strange things happen in that room. And the wi-fi doesn't work in there." Kate just assumed the woman was joking. "In that case, it sounds like my kind of room! Think I can last a few hours without wi-fi." The room was large and splendid. "Seriously? I get a king-size four poster bed?" Kate exclaimed as she gazed in awe. "This is so fantastic! I feel like Queen Anne." The bed looked so inviting, Kate couldn't resist just flopping back on it and spreading out. "Bliss!" she sighed. So much better than the single bed back at her cramped one-bed flat. She closed her eyes, Abruptly, Kate was overcome by a bizarre horniness, and masturbated more than she'd done in a long time. She was getting so wet, so hot and in a rush to give herself the release she so desperately needed. She hitched up her dress and pushed her panties down just a bit, then shoved her right hand down to her cunt. She used her left hand to push up her nightshirt and play with her breasts, pinching her nipples hard, making her moan with pleasure. Kate's right hand was busy with her cunt, alternately slipping down between her cunt lips and inside her hot, wet core, fucking herself with fingers, then pulling out to rub her clit. Back and forth, over and over. She was moaning, fantasizing about being pounded, pounded by an unknown uniformed man. Begging him to fuck her harder and send her climaxing in ecstasy, Kate was screaming. Suddenly her orgasm peaked and hit full force. She stopped all movement with her hands momentarily then began again, at first very fast and hard, then slowing as her orgasm began to subside. She lay there as her breathing slowly returned to normal. "Jesus," she muttered, when she could finally catch her breath again. "What the hell just happened?" The tour had already begun when Kate arrived to join the others. "What took you so long?" Chloe asked. "Thought you'd got lost." "Oh I just, er, oh wow, check out that tour guide!" "Mablethorpe Hall, one of Berkshire's finest country estates back in the day," the tour guide began. He was dressed in early 18th century period costume, with a long wig, frilled cuffs and breeches. "He looks just like John Hurt did in Rob Roy. I love the costumes in that movie." Kate whispered to Chloe, who rolled her eyes. Kate listened intently as every detail of the building's history was described. "But the most fascinating story of Mablethorpe," the guide continued, "is that it's said to be haunted by Major Robert Wolfe, a British Army officer." The was a chorus of "oh!" from the assembled tourists. "The Major is said to return to Mablethorpe every Halloween night, in hope of seeing the woman he once loved." "So the poor sod just wants to get laid?" a middle-aged bloke at the front said, and everyone burst out laughing. The tour guide evidently took this old legend extremely seriously and did not see the funny side. "As I was saying, the Major was in love with Lady Annabelle Barrington-Smythe. That in itself was a scandal, for she was married to William Barrington-Smythe. Rumor has it that the Major was actually a notorious highwayman known as The Fox, " Later, the guests were treated to a Halloween-themed meal in the Hall's grand banqueting room. There were the usual things adorning the tables - Jack o' lanterns, candles everywhere, fake cobwebs. In the background, a string quartet dressed as witches played a medley of Bach and Handel. "Not as spooky as I was expecting," Chloe said as she sampled the pumpkin pie and spiced rum. "I was hoping the lights were going to go out and there'd be a jump-scare or something. Like two years ago when we went to that zombie-themed night at Castle Howard. That was creepy as hell!" "This is nice though. Lots of atmosphere. I like it here. I'd like to, get married in a place like this. Have a historical-themed wedding. That is, if, " "When, Kate. When you meet that ideal guy. And you will. He's out there. Plenty of fish. Steve was a complete areole, but he's ancient history. A bit like this hall." "True!" After the meal concluded, there was more live music and dancing. "Think I'm going to call it a night," Kate said. "Oh you lightweight," Chloe replied, already tipsy. "Aren't you going to stay up for the midnight ghost walk in the grounds? You might see a good-looking highwayman." "No, I'm totally exhausted. Really. You can tell me all about it in the morning." "Fine, whatever. I know you're too afraid!" Kate headed up to her room, surprised at being overcome by such tiredness. She hadn't drunk that much, and it had hardly been an energetic evening. The glorious king-size bed and it's luxurious blankets beckoned, Sometime after midnight, Kate was in a deep slumber, but also in the throes of a nightmare. He's coming, Kate did not dream often, and she was even less often plagued by bad dreams. Several times she stirred, came half awake, and heard herself gasping in panic. Once, drifting up from some threatening vision, she heard her own voice crying out wordlessly in terror, and she realized she was thrashing about in the bed. Suddenly the air was oppressively heavy, hot, thick; as if it were not air at all but a bitter and poisonous gas of some kind. She tried to breathe, couldn't. There was an invisible, crushing weight on her chest. The unmistakable smell of gunpowder. Hoofbeats, many horses. Some kind of battle? A murderous barrage of lightning crashed like a volley of mortar fire, seven or eight tremendous bolts; and woke her from sleep in an instant. "Holy shit." Kate gasped as the storm made her sit upright in bed. She remembered what Chloe had said earlier, about the tour not being scary. Evidently, nature had now delivered a jump, a scare of its own. Already her memory of the nightmare had begun to dissolve; only fragments of it remained with her, and each of those disassociated images was evaporating as if it were a splinter of ice. All she could remember was that she'd been in a battle of some kind, and there had been many men - soldiers on horseback. They'd been pursuing her. Firing guns. As the nightmare receded, Kate became uncomfortably aware of how dark the bedroom was. Before going to sleep she had switched off both the bedside lamps. The curtains were all closed, and only thin blades of moonlight were visible between the gap she'd left. She had the irrational but unshakable feeling that something had followed her up from the dream, there was another presence in the room, oh God! She fumbled for the lamp switch, damn, where was it? Groped around, switched it on. Relief as golden light flooded the room, And then she saw him. Stood at the side of the bed. He was dressed in a Redcoat uniform, just calmly standing there. She gasped, but was so shocked, she couldn't utter a sound for a moment. Then her initial shock turned to anger. Was this part of the Halloween tour? Having re-enactors actually enter the guest bedrooms was completely unacceptable. "What the hell are you doing?" Kate yelled. He seemed taken aback by her reaction. "Who are you?" She demanded once she had caught her breath again. "I beg your pardon, Miss," he began. He removed his hat as he moved closer. "Major Robert Wolfe of His Majesty's 58th Regiment of Foot." "What are you doing here?" He smiled politely. "Where I come from, when a gentleman introduces himself, a lady generally responds in kind." Kate was about to respond with a sarcastic remark, but then she noticed that he was surrounded by a faint, silver glow. Her heart began to pound like crazy. Gathering all her courage, she decided to ask him directly. "Are you, dead?" The Major's face relaxed into a smile. "Oh indeed. Quite, quite dead. As I have been since the last night of October, Seventeen Sixty-five." Kate thought she might faint. "You're a," "A spirit, why yes. An earthbound and restless one, forever drawn to return to Mablethorpe every All Hallow's night. Isn't that quite a tale? I most humbly apologies for subjecting you to my battle experiences earlier, but t'was the only way I was able to wake you." She looked him up and down. He did look a gentleman, to be sure, and a handsome one at that. The signature red coat, crossed with white belts, the brown hair tied back in a queue and neatly curled at the sides, the breeches, knee-high leather boots. A brass gorget glinted round his neck. The Major took one of her pale, slender hands. Kate was surprised to feel solid flesh, rather than some kind of gaseous form, as expected of a ghost. Was he more of a zombie? His hand was as cold as ice. Kate suddenly felt her cheeks flush, under his intense gaze. If all those old stereotypes about ghosts were true, then he could probably see right through her nightie, as well as walk through walls, "Um, why did you wake me?" He was still holding her hand. "Well, I must beg your forgiveness for the manner of this intrusion, my lady. I am honored to make your acquaintance. I was drawn to you from the moment you arrived here. You resemble so much, someone I lost, long ago. For the past 255 years I keep returning here, hoping to find a lady who might be able to satisfy my most urgent of needs," Kate bit her lip, as she recalled that earlier incident in the bedroom when she'd pleasured herself. She'd never been a religious person. But now she was considering sex with a ghost. Was she about to embark on something that might damn her soul? On the other hand, she'd been single for a while, had been craving the touch of a man, "Major, I am willing to help you in any way I can." "You are lovely beyond belief. If I may so bold as to show my appreciation?" He leaned in to kiss the exposed skin of her neck; his lips leaving a hot trail from just below her ear to the center of her throat at the neck of her nightie. Kate closed her eyes and moaned. "A little more, my lady?" "Yes, oh yes," He kissed her and she parted her lips to let him in. The heat of his mouth and his probing tongue sent shivers through her body and she shifted closer to him to feel the heat of his body against hers. She breathed in the faint masculine scent. Major Wolfe pulled back the bedcovers. Then he pushed her nightie up to bare her belly. Leaning her back, he took one hardened nipple with his lips and she gasped. He sucked, pulling with his lips. At Kate's soft moan, he drew in a shuddering breath. "Touch me," he pleaded hoarsely, bringing her hand to the waistband of his breeches, and then guiding it down to cup the bulge in his groin. She explored eagerly, desperately, feeling his full erection through his breeches and groping lower to feel his balls. Oh lord, she was trembling so much with excitement. Unfastening the fall front flap, she pulled out his engorged organ. She couldn't believe this was happening. She was groping the cock of a dead man! And she was so wet. Kate took his hot length in her hand, feeling it, and stroked it up and down as she licked and sucked at the tip. The Major was generously endowed, and she felt herself blush. "Here," he said, moving her unoccupied hand to cup his balls. "Don't be shy, my lady." Gently squeezing his balls, she slowly took his throbbing cock into her mouth. He moaned as she deep-throated him. "Oh my lady," he groaned. Then Major Wolfe clambered on the bed and put his head between Kate's thighs. The tip of his tongue brushed her clitoris. She jumped and willed him to move faster. At first his tongue explored her wet folds, but he replaced his tongue with gentle fingers that probed and rubbed and finally penetrated. Kate's wetness was dripping down her arse crack and he rubbed it around with his fingers. The sensation made her squirm and she placed her feet on his shoulders, and when he finally sucked on her clit, she lifted herself up to meet his tongue. None of her previous partners had ever thrilled her as much as this. His face was flushed and damp and his expression was one of pure longing. "My lady, I want you so much. "He whispered and pushed up into her. "Ah!" Kate gasped, more from surprise than the stretching sensation. "Are you alright?" he said, wrapping one arm around her and holding her close. She gave her answer by kissing him. He insinuated his hand between their bodies and fingered her clit as he began to move inside her. Holy shit, those fingers, he knew exactly how to pleasure a woman for maximum effect! For a moment Kate thought of the fact he'd been waiting over two and a half centuries for this! He stroked her again with wet, slippery fingers and thrust steadily up into her. The combination awakened something within that she'd never felt before. Kate dug her hands into his back and tried to speak, but couldn't form words. The Redcoat's large cock filled her completely, stretching her walls to the limit. He was groaning and fucking her like a wild beast. "Come for me, my lady," Major Wolfe whispered in her ear, and she cried out. "Come for me, release for me. Let us spend together," he pleaded, and she did, her head falling back, her whole body shaking and clenching with the intensity of orgasm. He followed immediately; in an instant their coupling reached its conclusion and she was filled to the brim with his seed, Kate didn't want to let him go. They lay joined for what seemed like a long time. Eventually, Major Wolfe gently withdrew his softening member from his mortal lover. "Dawn approaches, my lady." "No, Major, stay, please," she whispered, tiredness overcoming her. "Rest now, my love. I must go." Kate tried to say something, but sleep was rapidly overcoming her. "We shall meet again. Soon, my love," was the last she heard. The sound of someone knocking on the door finally woke Kate. She squinted at the curtains. Bright sunlight was streaming through the gap. "Kate, are you awake?" Chloe's muffled voice could be heard. Fumbling for a dressing gown, Kate staggered out of bed and opened the door. "There you are! Were you in a coma or something? It's 11 o'clock! You've missed breakfast and the minibus will be here in half an hour!" "Oh God, sorry, I forgot to set my phone's alarm clock. I, er, I'll be down as quick as I can." "Are you ok? You look a bit peaky." "Just crashed out. How was the midnight ghost walk?" "Midnight wash-out you mean. Did you see that storm last night? It was unreal. So much lightning. Thought a freaking nuclear bomb had gone off!" "Oh. Guess I missed that." "Jeez, you were in a coma. That thunder could've wakened the dead!" "Maybe it did," Kate wondered. Alone in the room again, Kate returned to the bed. Her mind was a tumult of emotions. "It wasn't all a dream, was it? The product of a Halloween-crazed imagination? It couldn't have been, " Suddenly she spotted something under the pillow. Eyes widening, she picked it up. The brass gorget. "He was real!" She clutched it to her chest. And hoped she wouldn't have to wait until next Halloween before she saw Major Robert Wolfe again. By Blacksheep for Literotica

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.  

Alle Informationen zur Carnivoren Ernährung unter www.carnitarier.de. ______________________________________________ Herzlichen Dank an unsere WERBEPARTNER: www.carnivoro.eu: Supplemente rund um die Carnivore Ernährung Mit dem Gutscheincode CARNITARIER erhältst du 10 % Rabatt auf deinen ersten Einkauf! Affiliate Link: www.carnivoro.eu/carnitarierinwww.kaufnekuh.de: Fleisch aus artgerechter Haltung mit fairen Preisen für Landwirte Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf ab 50 €. www.mindful-meat.com: Hochwertiges Hirschfleisch aus den Wäldern Deutschlands. Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf. www.pemmican-shop.de: Europas einzige originale Survival Beef Bar – Made in Germany. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen ersten Einkauf.www.theminerals.de: Beste Elektrolyte für die Umstellung auf Keto und für Carnivoren, die viel Sport treiben. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen Einkauf. _______________________________________________Folge 205: Die 6 größten Fehler bei CarnivoreNach jahrelanger Betreuung von Klienten mit Carnivore, dem Überblick über 31 Regionalgruppen, den Facebook Carnivore Gruppen, möchte ich euch die 6 häufigsten Fehler bei der Carnivoren Ernährung erläutern.Je nach Ausgangslage ist es sehr unterschiedlich, was einem bei Carnivore tatsächlich hilft. Es müssen also nicht alle Punkte auf dich zutreffen, aber es könnte sein, wenn du mit Carnivore immer noch nicht die gewünschten Effekte erzielst. Fleischzeit ist der erste deutschsprachige Podcast rund um die carnivore Ernährung. Hier erfahrt ihr Tipps zur Umsetzung des carnivoren Lifestyles, wissenschaftliche Hintergründe zur Heilsamkeit sowie ökologische und ethische Informationen zum Fleischkonsum. Eine Übersicht über alle Folgen findet ihr hier: www.carnitarier.de/fleischzeitpodcastAndrea Siemoneit berichtet nach über sechs Jahren carnivorer Ernährung über ihre Erfahrungen und Erkenntnisse. Außerdem interviewt sie andere Carnivoren und Wissenschaftler.Ihr findet sie auf Instagram unter @carnitarier.deHandbuch der Carnivoren Ernährung: www.carnitarier.eu  Haftungsausschluss:Alle Inhalte im Podcast werden von uns mit größter Sorgfalt recherchiert und publiziert. Dennoch übernehmen wir keine Haftung für die Richtigkeit, Vollständigkeit oder Aktualität der Informationen. Sie stellen unsere persönliche subjektive Meinung dar und ersetzen auch keine medizinische Diagnose oder ärztliche Beratung. Dasselbe gilt für unsere Gäste. Konsultieren Sie bei Fragen oder Beschwerden immer Ihren behandelnden Arzt.

Eva war wieder auf De Zeeuwse Kust in Zeeland – und der Platz hat sich ordentlich weiterentwickelt! Neuer Indoorspielplatz, Wildwasserbahn, privater See mit Privatsani-Stellplätzen und vieles mehr. In dieser Folge nimmt Eva euch mit durch alle Neuerungen der letzten drei Jahre und verrät, was man in der Umgebung alles erleben kann.

Predigt vom 19.10.2025 zum Gottesdienst der Freien evangelischen Gemeinde Karlsruhe mit unserem Pastor Christian Bouillon zur Themenreihe "Keine NEBENSACHE". Die Gottesdienste der FeG Karlsruhe findest Du auf Youtube.  Die verwendeten Visualisierungen für diese Predigt findest du hier. Wir freuen uns über dein persönliches Feedback zum Podcast, sprich uns and oder schreib uns per E-Mail: podcast@feg-karlsruhe.de. Ermögliche mit Deiner Spende die Arbeit der FeG Karlsruhe!  Bei Angabe Deiner Anschrift im Verwendungszweck oder per E-Mail an finanzen@feg-karlsruhe.de, erhältst Du zum Jahresende eine Spendenbescheinigung. Weitere Details findest Du hier.

Endlich wieder Coach's Corner: Es geht wieder mal um Ermüdungsresistenz. Diesmal greifen Marco und Benni den neuen Trainings-Hype um die muskuläre Ausdauer auf. Wir erklären warum Trainer Scott Johnston seine beiden Schützlinge Tom Evans und Ruth Croft mit Gewichten auf dem Rücken steile Berge oder steile Laufbänder hinauf marschieren lies. Beide gewannen souverän den UTMB. Was verbirgt sich hinter dem vermeintlich revolutionären Ansatz des 72-jährigen Erfolgstrainers? Für wen könnte dieses Training etwas sein? Was sind St, FTa und Ftb-Fasern? Was ist der Unterschied zwischen lokaler und globaler Ermüdung? Marco muss Benni, der voll gehypt ist von Scott Johnston's Trainingsansatz, ein wenig einfangen und ordnet das ganze sportwissenschaftlich ein. Viel Spaß mit einer weiteren Nerd-Folge für Trailrunner. Alles über muskuläre Ausdauer von Scott Johnston:https://evokeendurance.com/resources/muscular-endurance-all-you-need-to-know/Unser Sponsor des Monats ist Silva. Danke für die Unterstützung!Werde hier Mitglied von Alles-laufbar.de, der Onlineplattform für die deutschsprachige Trailcommunity und erhalte Zugriff auf exklusive Inhalte. Ab 3,90 Euro/Monat bist du dabei! Uns findest du hier:Website: Alles-laufbar.deInstagram: @alleslaufbarYouTube: @alleslaufbarStrava Club: @Alles laufbar.de

At the 2025 TRACE Forum, Kirk Foster, Assistant General Counsel and Director of Compliance at HII Mission Technologies, explores how organizations can use Enterprise Risk Management (ERM) alongside compliance to proactively address emerging risks. By leveraging ERM, Kirk discusses how companies can make data-driven decisions, increase efficiency, reduce redundancy, and support business growth.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Shawn Punancy, Sr. Manager, Enterprise Risk Management of Delta Air Lines, Inc. Justin and Shawn discuss her fascinating career history, disruption in the airline industry, Shawn's risk philosophy at Delta Airlines, and how her ERM team stays connected to the business while maintaining a long-term strategic view of risk.   Shawn will present two sessions with Lianne Appelt, the Head of Enterprise Risk Management at Salesforce, at the RIMS ERM Conference on November 17th and 18th in Seattle, Washington. Shawn shares some hints on what to expect from the sessions.   Listen for Shawn's view on the biggest opportunity right now for ERM professionals to elevate their impact across the enterprise.   Key Takeaways: [:01] About RIMS and RIMScast. [:15] 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. [:40] About this episode of RIMScast. We are flying high today, with Shawn Punancy, the Manager of Enterprise Risk Management for Delta Air Lines, Inc. Buckle in for the many aviation puns you're going to hear during this episode! But first… [1:12] RIMS-CRMP Prep Workshops! The next RIMS-CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:24] 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. [1:41] 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. [1:56] 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! [2:15] 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. [2:26] 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”. [2:47] Register at RIMS.org/Webinars. [2:50] On with the show! Our guest today is the Manager of Enterprise Risk Management for Delta Air Lines, Inc. Her name is Shawn Punancy, and she has a fascinating career that I want to delve into today. [3:03] I also asked her to be on the show because she will have quite a presence at the RIMS ERM Conference 2025, which will be held on November 17th and 18th in Seattle, Washington. [3:14] On November 17th, at 11:45 a.m., she will be co-leading “Connections Count: Strategic Networking to Strengthen Risk Oversight.” On November 18th, at 9:00 a.m., she will co-lead “How Deep Should You Go?: Rightsizing Risk Assessment for Maximum Impact.” [3:33] In addition to learning about her fascinating career, I wanted to get a little preview of each of those sessions and learn a bit about her risk philosophy at Delta. Let's get to it! [3:44] Interview! Shawn Punancy, welcome to RIMScast! [3:53] Shawn Punancy is the ERM Senior Manager at Delta Air Lines, Inc. Shawn will be at the RIMS ERM Conference 2025, November 17th and 18th. Shawn has a fascinating career. [5:00] Shawn was an intelligence analyst at the U.S. DOD from 2011 to 2012, then moved to the CIA as a Senior Intelligence Analyst for seven years. [5:18] Shawn says it was great working at the CIA. She thinks there are very few places where you can work and have such broad awareness. Her year at the DOD was to prepare her to work at the CIA. [6:10] As an Analyst, Shawn worked in counter-terrorism, counter-narcotics, traditional political analysis, and leadership analysis. She did some targeting work, which is helpful for ERM. [6:27] After Shawn left the government, she worked briefly for a consulting firm in Atlanta, Georgia, doing business operating risk. She got word of a job in the Delta Corporate Safety and Security Division on the Intelligence and Risk Mitigation Team. [6:51] Shawn joined Delta, doing that for two years. She got to meet her Director, Eric Mai, whom she absolutely adores, and she's not just saying that because he may listen to this! Eric Mai introduced Shawn to the world of ERM. [7:07] Shawn started to see all the nexuses that existed between multiple different risks. Shawn says that working in corporate security on risk mitigation is like working at the DOD, but working in ERM is like working at the CIA. [7:42] Shawn was in high school on 9/11, and her mother was on a plane during the 9/11 attacks. Thankfully, she was not on a plane that was targeted on that terrible day. It left a lasting impression. [7:55] Shawn went on to study those types of events in International Affairs and Politics. That's how she got to her path in the government. Shawn is mission-driven and purposeful in her work. [8:42] Shawn applied to Delta when someone sent her a job posting. Shawn saw the posting and thought it looked like it was written for her. Shawn is thankful it worked out. [8:58] Shawn started as Program Manager for Intelligence and Risk Mitigation. She held that position for almost two years. In December of 2023, Shawn became Manager of ERM. The position did not exist before Shawn. ERM had been one person since 2019, when it was begun. [9:37] Eric Mai set up the ERM program. He realized that for it to continuously improve and grow, he needed another person. He went to bat for that role. Around the time it was posted, Eric came to Shawn and said that she might want to consider it, and he would love to have her apply. [9:57] Shawn is super grateful that Eric asked her. [10:13] Shawn says it is striking that ERM has played a small role in many companies. What if you don't know who that person is, or you're not engaging with that person? [10:53] Shawn has noticed that in several industries, the aviation industry included, everything is highly siloed. How does one ERM person get to everybody across the business? How do they make ERM relevant for the leadership and the board? [11:15] Something different could happen any day in the airline industry. Shawn says every day they get a notification from their Duty Director about what the day will look like. Some days, the system looks good: they're moving tens of thousands of people on several thousand flights. [11:33] Other days, there's a hurricane or something, or there is a strike somewhere that completely upends the day. It's a lively environment. [11:56] The American Airlines regional jet and helicopter crash in Washington, D.C. this year put a spotlight on Safety and Risk Managers to ensure they had the proper protocols in place and understood all the communication channels. They double-checked the protocols. [12:40] One thing Shawn loves about the airline industry is that safety is for everyone. There's no competition in safety. No one places blame. They come together to ensure that they are in the best position to continue to put safety first, not only for customers but also for all employees. [13:17] If Shawn had a mantra, it would be, You get further together than you do as an individual. She learned that from her time in Corporate Safety and Security and as an ERM professional. She could not do her job without relationships and connections across the company. [14:05] Shawn says Delta has a strong governance structure. The risk committee reports to the executive leadership team. ERM meets with the risk committee monthly to talk about what is coming up. ERM tracks that, so as risks build, they remember what was said months ago. [14:29] They prepare themselves for the known events of the next couple of months, such as an upcoming audit, an issue with plane manufacturers, or a suspected coming fleet delay. [14:53] ERM uses its governance structure to think through how to manage the risk, who is responsible, who is touched, what should be reported up to the leadership, and what can be managed at the business level. [15:07] Looking longer-term, ERM recently started talking directly to board members, asking for their perceptions about risk over the next three to five years. ERM also asks that question of the business leadership annually, to make sure management shares the same vision as the board. [15:38] ERM adds value by showing where those visions aligned, or if and when they diverged. Using that information helps inform the broader risk landscape. ERM uses that to engage the Strategy team with their annual goals and pillars; their Annual “Flight Plan.” [16:08] ERM shows the collected data on where risk lies to the Strategy Team and asks how it might affect the Flight Plan and the Five-Year Strategy. It's the role of ERM to highlight the risks they've identified through the forums they've engaged. [16:36] Shawn has two on her ERM team, including herself. Her team has strong relationships across Delta. That helps ERM to be a force multiplier. They lean on their colleagues to help stay aware, figure out the best direction to guide ERM efforts, and make an impact where possible. [17:24] 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! [17:43] 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! [17:57] 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! [18:09] Save the dates March 18th and 19th, 2026, for The RIMS Legislative Summit, which will be held in Washington, D.C. [18:17] 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. [18:33] Let's return to our interview with Shawn Punancy of Delta Airlines! [19:12] In the heat of a crisis, Delta Airlines has a number of immediate or intermediate response teams that stand up. ERM is a part of those teams. They help inform the strategy for how Delta will respond. In the immediate aftermath, ERM is in listening mode. [19:25] ERM takes what they heard and goes on to support the strategic planning, moving forward. Business Continuity or Corporate Communications will handle the immediate feedback and response. [19:38] If it's likely to have a long-lasting impact on Delta, ERM will facilitate conversations among stakeholders across the enterprise to ensure that Delta has completely and cleanly exited the crisis and that they're on a good footing to avoid future crises of the same ilk. [20:05] 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. [20:23] 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! [20:34] 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. [20:49] 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. [21:07] 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. [21:26] 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. [21:37] Justin thanks Dan and looks forward to seeing him again on November 17th and hearing all about the future of AI and risk management! [21:45] Let's Conclude Our Interview with One of the Presenters at the RIMS ERM Conference 2025, Shawn Punancy of Delta Airlines! [22:17] There are two opportunities to experience Shawn Punancy in person at the RIMS ERM Conference 2025, November 17th and 18th. She will be presenting with Lianne Appelt, the Head of Enterprise Risk Management at Salesforce: [22:47] Shawn says Lianne is the sweetest person she has ever met! Lianne is one of Justin's favorite people to work with on the Strategic Enterprise Risk Management Council. [23:24] On November 17th, at 11:45 a.m., Shawn and Lianne will present, “Connections Count: Strategic Networking to Strengthen Risk Oversight.” If you're a new risk professional or a rising star, and you want to get to the basics, this is the sort of session you attend. [24:05] Shawn gives the elevator pitch for the presentation. She says, if you understand anything about ERM, you understand that it's not something you can do alone. Having relationships across an enterprise is paramount to the success of any ERM program. [24:22] Figure out what opportunities exist to pursue those relationships. Annual or quarterly risk assessments are natural avenues for building relationships, but there are lots of others. Outside of formal structures, how can you engage people? [24:39] How can you use the data you've collected to drive conversations that may not otherwise exist? Those conversations inform you better and equip you better as an ERM professional as you get ready to present to your leadership team, audit committee, or board.  [25:42] Shawn has found that offering external information that may not otherwise be available to her stakeholders is a good way for her to go in and have a conversation.  [26:00] The information she offers is either something she's gotten from a vendor, or a risk source she has been tracking, or something ERM has done internally but hasn't publicized. She says, We have this piece of information we think is valuable to you. [26:20] Shawn finds that it's an incredible way to open doors, strengthen or start relationships, and use that to find a way to continue the conversation iteratively. It's been incredible for expanding who ERM talks to since Shawn has joined the team. [26:37] ERM already had a broad network, but looking for new opportunities has expanded it. [26:43] Shawn says Never let a good crisis or risk go to waste. ERM gets a daily bulletin of every news clip that mentions Delta. [27:00] ERM uses that as an opportunity to say, We've not engaged with you, but we saw this and it's something worth tracking at a more macro level on this other part of the spectrum. We'd love to talk to you about how the two pieces connect. [27:17] Some of that depends on company culture. Delta is one of those amazing places where you can email just about everybody and they will respond. That has been very helpful for Shawn. She knows that's not easily replicated everywhere. Shawn has also never met a stranger. [27:41] Understanding that ERM has value to add, whether it's relaying information or showing interconnections, there's a lot there, and people are usually responsive. [28:17] Talking to the board goes back to the relationships you have and the conversations you've had. If you're talking to the right people throughout the year, who have access to significant board member concerns, use that to help craft your story. [28:37] Shawn says pairing the insight you've gotten from those relationships with the data you have in your program helps drive a compelling narrative. [28:56] On November 18th, at 9:00 a.m., Shawn and Lianne will present an advanced-level session, “How Deep Should You Go?: Rightsizing Risk Assessments for Maximum Impact,” tailoring risk assessments to organizational maturity. [29:21] Shawn says it's a mistake for an ERM group not to understand what they have at their disposal in terms of data or stakeholders. Everything doesn't work for everybody. [29:28] You don't need a major, formalized 16-step assessment process when you're a new and burgeoning program. An older, more established program doesn't need something overly complex that doesn't match your company culture. [29:45] Shawn says she has been doing ERM for just shy of two years, so she's not the foremost expert in the room. She likes to rely on her historical experience of taking a bunch of data and talking to a lot of people, collecting intel, and figuring out what the story is. [30:02] Shawn is super passionate about this. With the 8,000 ways you can do a risk assessment, it's so important to consider some specific factors that will help you to have a stronger impact when you do the assessment. Shawn will save those for the presentation. [30:55] Shawn says she firmly believes the biggest opportunity for ERM professionals is to find and communicate that interconnected risk. We hear it everywhere. Justin points out that a paper on “Understanding Interconnected Risks” is in this episode's show notes. [31:13] Shawn thinks that's the biggest opportunity for ERM. Many teams have their risk evaluation silos. Having someone come in and show how A is connected to D, is connected to X, is the next step and the game-changer for a lot of teams. [31:38] Justin says, I'm looking forward to meeting you in person, and I'm so glad that you're going to be delivering the two sessions, Monday, November 17th, and Tuesday, November 18th! It was a pleasure to meet you! [32:08] Shawn is very thankful for this opportunity and super excited about talking about this content, partnering with Lianne, and meeting the broader RIMS community. [32;21] Special thanks again to Shawn Punancy of Delta Airlines for joining us here on RIMScast! Be sure to catch her presentations on November 17th and 18th at the RIMS ERM Conference 2025 in Seattle, Washington. [32:27] A link to the agenda is in this episode's show notes. Register today, we want to see you there! [32:43] 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. [33:11] 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. [33:28] 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. [33:45] 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. [34:01] 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. [34:15] 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. [34:27] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 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! 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: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 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) “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: “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: Shawn Punancy, Sr. Manager, Enterprise Risk Management of Delta Air Lines, Inc.   Production and engineering provided by Podfly.  

Viele glauben, ihre Augen sind einfach „müde vom Schauen“.Aber was, wenn dein ständiger Blick auf den Bildschirm nicht nur die Augen, sondern dein ganzes Nervensystem unter Stress setzt – und damit auch deine Konzentration, Haltung und Leistungsfähigkeit beeinflusst?In diesem Interview mit Stefanie Hennigfeld von Dynamic Eye erfährst du:warum Bildschirmarbeit dein visuelles System dauerhaft überfordert – und wie sich das auf dein Gehirn auswirktwie visuelle Ermüdung zu Verspannungen, Kopfschmerzen und sogar Schmerzen in anderen Körperregionen führtwelche Signale dir zeigen, dass deine Augen gestresst sind (und du sie bisher übersehen hast)3 einfache Tests, mit denen du deine visuelle Belastung selbst überprüfen kannstund welche neurozentrierten Übungen sofort für mehr visuelle Klarheit, weniger Spannung und bessere Selbstregulation sorgenHighlights aus der Folge:„Deine Augen sind kein passiver Sensor – sie steuern, wie dein Gehirn den Raum, Bewegung und Sicherheit wahrnimmt.“„Wenn dein visuelles System unter Dauerstress steht, reagiert dein gesamtes Nervensystem wie bei einer unterschwelligen Bedrohung.“„Oft trainieren wir Muskeln – aber vergessen das wichtigste Steuerorgan: das Auge.“Neuro 360 ist der Podcast für Therapeuten, Trainer und gesundheitsbewusste Menschen, die mit Neuroathletik und neurozentriertem Training Schmerzen reduzieren, Bewegungsqualität verbessern und Leistung steigern wollen.Lisa und Andreas Könings geben in ihrem Neuro-Podcast praxiserprobtes, evidenzbasiertes Wissen rund um Nervensystem und Gehirn weiter – klar und einfach erklärt, damit du Neuro-Training direkt in Therapie, Training und Alltag umsetzen kannst.

Kim Marotta is the Chief Environmental Sustainability Officer and Head of Enterprise Risk Management (ERM) at Suntory Global Spirits, a global premium spirits leader with iconic brands including Jim Beam, Maker's Mark, and Hibiki. Kim spearheads the company's development and implementation of long-term sustainability initiatives through its Proof Positive strategy, ensuring a comprehensive approach across the entire value chain. Kim also plays a crucial role in integrating risk management into the company's core strategies to drive growth and enhance organizational resilience. Before joining Suntory Global Spirits, Kim spent nearly two decades with Molson Coors Beverage Company and its predecessor companies, where she served as Global Senior Director of Sustainability and ERM. Kim holds degrees from Marquette University and the University of Wisconsin-Madison Law School. After completing law school, she served as The Deputy State Public Defender and an adjunct law professor at Marquette University Law School. Kim currently serves on the boards of Maker's Mark Distillery and Marquette University National Alumni Association. Kim also served on the Keurig-Dr. Pepper advisory board and was appointed by the Governor of Wisconsin to the Great Lakes Protection Fund. Recognized as a leader in sustainability, Kim has been named among Crain's Notable Leaders in Sustainability, Assent's Top 100 Corporate Social Responsibility Influence Leaders, and Triple Pundit's Top 35 Female CSR Leaders. She is a sought-after speaker and has been featured in media outlets such as Fortune, The Guardian, the Economist, Reuters, Cheddar News, and CNBC. Additionally, she has been an invited lecturer at the University of Chicago, the University of North Carolina, the University of Wisconsin-Madison, and Marquette University. Kim Joins Sustainable Nation to Discuss: Integration of sustainability and risk management: Suntory Global Spirits' Proof Positive strategy Achieving water reduction goals using employee incentives  Suntory's supplier engagement program Scaling regenerative agriculture Listen as Kim Marotta shares insights from her two-decade-long career in sustainability, particularly within the alcohol industry, and discusses her unique path from public defense into corporate sustainability leadership. She provides an overview of Suntory Global Spirits' global operations and explains how Japanese cultural values influence the company's holistic and long-term approach to sustainability. Kim delves into the development and execution of the company's Proof Positive sustainability strategy, touching on key areas such as water conservation, carbon and energy reductions, sustainable sourcing, and regenerative agriculture. She highlights how Suntory has achieved a 50% reduction in water use per unit and is pushing ambitious climate targets, including engaging suppliers in emissions reductions. Kim also discusses the integration of sustainability and risk management, the importance of tying employee incentives to progress on sustainability goals, and the collaborative, metrics-driven process behind supporting suppliers and farmers in adopting sustainable practices. Throughout the conversation, she emphasizes the need for cultural commitment, stakeholder engagement, and continual innovation to make meaningful, measurable progress in the industry.  

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Katherine Henry of Bradley, Arant, Boult, Cummings, and Harold (Hal) Weston of Georgia State University, Greenberg School of Risk Science, who are here to discuss their new professional report, “A 2025 Cybersecurity Legal Safe Harbor Overview.” Katherine and Hal take the discussion beyond the pages and delve into best cybersecurity practices, cyber insurance, and Safe Harbor laws offered by some states and possibly to be offered soon by others. They discuss frameworks and standards, and what compliance means for your organization, partly based on your state law.   Listen for advice to help you be prepared against cybercrime.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be joined by the authors of the legislative review, “A 2025 Cybersecurity Legal Safe Harbor Overview”, Katherine Henry and Harold Weston. Katherine and Harold are also prominent members of the RIMS Public Policy Committee. [:48] Katherine and Harold are also here to talk about Cybersecurity Awareness Month and safe practices. But first…  [:53] RIMS-CRMP Prep Workshops! The next RIMS-CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:05] 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. [1:23] 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. [1:37] 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! [1:56] 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. [2:08] Several RIMS Webinars are being hosted this Fall. On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:28] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:40] Before we get on with the show, I wanted to let you know that this episode was recorded in the first week of October. That means we are amid a Federal Government shutdown. RIMS has produced a special report on “Key Considerations Regarding U.S. Government Shutdown.” [2:58] This is an apolitical problem. It is available in the Risk Knowledge section of RIMS.org, and a link is in this episode's show notes. Visit RIMS.org/Advocacy for more updates. [3:12] Remember to save March 18th and 19th on your calendars for the RIMS Legislative Summit 2026, which will be held in Washington, D.C. I will continue to keep you informed about that critical event. [3:24] On with the show! It's National Cybersecurity Awareness Month here in the U.S. and in many places around the world. Cyber continues to be a top risk among organizations of all sizes in the public and private sectors. [3:40] That is why I'm delighted that Katherine Henry and Harold (Hal) Weston are here to discuss their new professional report, “A 2025 Cybersecurity Legal Safe Harbor Overview”. [3:52] This report provides a general overview of expected cybersecurity measures that organizations must take to satisfy legal Safe Harbor requirements. [4:01] It summarizes state Safe Harbor laws that have been developed to ensure organizations are proactive about cybersecurity and that digital, financial, and intellectual assets are legally protected when that inevitable cyber attack occurs. [4:15] We are here to extend the dialogue. Let's get started! [4:21] Interview! Katherine Henry and Hal Weston, welcome to RIMScast! [4:41] Katherine was one of he first guests on RIMScast. Katherine is Chair of the Policyholder Insurance Coverage Practice at Bradley, Arant, Boult, Cummings. Her office is based in Washington, D.C. She works with risk managers all day on insurance issues. [5:05] Katherine has been a member of the RIMS Public Policy Committee for several years. She serves as an advisor to the Committee. [5:12] Justin thanks Katherine for her contributions to RIMS. [5:25] Hal is with Georgia State University. He has been with RIMS for a couple of decades. Hal says he and Katherine have served together on the RIMS Public Policy Committee for maybe 10 years. [5:48] Hal is a professor at Georgia State University, a Clinical Associate in the Robinson College of Business, Greenberg School of Risk Science, where he teaches risk management and insurance. Before his current role, Hal was an insurance lawyer, both regulatory and coverage. [6:05] Hal has a lot of students. He is grading exams this week. He has standards for his class. In the real world, so does a business. [6:46] Katherine and Hal met through the RIMS Public Policy Committee. They started together on some subcommittees. Now they see each other at the annual meeting and on monthly calls. [7:05] Katherine and Hal just released a legislative review during RIMS's 75th anniversary, “A 2025 Cybersecurity Legal Safe Harbor Overview”. It is available on the Risk Knowledge page of RIMS.org. [7:20] We're going to get a little bit of dialogue that extends beyond the pages. [7:31] Katherine explains Safe Harbor: When parties are potentially liable to third parties for claims, certain states have instilled Safe Harbor Laws that say, If you comply with these requirements, we'll provide you some liability protection. [7:45] Katherine recommends that you read the paper to see what the laws are in your state. The purpose of the paper is to describe some of those Safe Harbor laws, as well as all the risks. [8:04] October 14th, the date this episode is released, is World Standards Day. Hal calls that good news. Justin says the report has a correlation with the standards in the risk field. [8:43] Justin states that many states tie Safe Harbor eligibility to frameworks like NIST, the ISO/IEC 27000, and CIS Controls. [9:27] Hal says, There are several standards, and it would be up to the Chief Information Security Officer to guide a company on which framework might be most appropriate for them. There are the NIST, UL, and ISO, and they overlap quite a bit. [9:56] These are recognized standards. In some states, if a company has met this standard of cybersecurity, a lawsuit against the company for breach of its standard of care for maintaining its information systems would probably be defensible for having met a recognized standard. [10:23] Katherine adds that as risk managers, we can't make the decision about which of these external standards is the best. Many organizations have a Cybersecurity Officer responsible for this. [10:44] For smaller organizations, there are other options, including outsourcing to a vendor. Their insurance companies may have recommendations. So you're not on your own in making this decision. [11:14] Katherine says firms should definitely aim for one recognized standard. Katherine recommends you try to adhere to the highest standard. If you are global, you need to be conscious of standards in other countries. [11:46] Hal says California tends to have the highest standards for privacy and data protection. If you're a financial services company, you're subject to New York State's Department of Financial Services Cyber Regulation. [12:02] If you're operating in Europe, GDPR is going to be the guiding standard for what you should do. Hal agrees with Katherine: Any company that spans multiple states should pick the highest standard and stick to that, rather than try to implement five or 52 standards. [12:23] When you're overseas, you may not be able to just pick the highest standard; there are challenges in going from one country or region of Europe back to the U.S. If one is higher, it will probably be easier. [12:38] There are major differences between the U.S., which has little Federal protection, vs. state protection. [13:10] Katherine says if you don't have the internal infrastructure, and you can't afford that infrastructure, the best thing is to pivot to an outside vendor. There are many available, with a broad price range. Your cyber insurer may also have some vendors they already work with. [13:40] Hal would add, Don't just think about Safe Harbors. That's just a legal defense. Think about how you reduce the risk by adopting standards or hiring outside firms that will provide that kind of risk protection and IT management. [13:59] If they're doing it right, they may tell you the standards they use, and they may have additional protocols, whether or not they fall within those standards, that would also be desirable. A mid-sized firm is probably outsourcing it to begin with. [14:21] They have to be thinking about it as risk, rather than just Safe Harbor. You have to navigate to the Safe Harbor. You don't just get there. [14:31] 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! [14:50] 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! [15:03] 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! [15:16] The RIMS Legislative Summit 2026 is mentioned during today's episode. Be sure to mark your calendar for March 18th and 19th in Washington, D.C. Keep those dates open. [15:28] 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.  [15:41] Let's return to our interview with Katherine Henry and Hal Weston! [15:54] We're talking about their new paper, “A 2025 Cybersecurity Legal Safe Harbor Overview”. Katherine mentions that some businesses are regulated. They have to comply with external regulatory standards. [16:38] Other small brick-and-mortar businesses may not have any standards they have to comply with. They look for what to do to protect themselves from cyber risk, and how to tell others they are doing that. [16:54] If you can meet the standards of Safe Harbor laws, a lot of which are preventative, before a breach, you can inform your customers, “These are the protections we have for your data.” You can tell your board, “These are the steps we're taking in place.” [17:13] You can look down the requirements of the Safe Harbor law in your state or a comparable state, and see steps you can take in advance so you can say, “We are doing these things and that makes our system safer for you and protects your data.” [17:34] Hal says you don't want to have a breach, and if you do, it would be embarrassing to admit you were late applying a patch, implementing multi-factor authentication, or another security measure. By following standards of better cyber protection, you avoid those exposures. [18:07] Hal says every company has either been hacked and knows it, or has been hacked and doesn't know it. If you're attacked by a nation-state that is non-preventable, you're in good shape. [18:26] If you're attacked because you've left some ports open on your system, or other things that are usually caught in cybersecurity analyses or assessments, that's the embarrassing part. You don't want to be in that position. [18:43] Katherine says it's not just your own systems, but if you rely on vendors, you want to ensure that the vendors have the proper security systems in place so that your data, to the extent that it's transmitted to them, is not at risk. [19:07] Also, make sure that your vendors have cyber insurance and that you're an additional insured on that vendor's policy if there's any potential exposure. [19:22] Hal says If you're using a cloud provider, do you understand what the cloud provider is doing? In most cases, they will provide better security than what you could do on your own, but there have been news stories that even some of those have not been perfect. [20:22] Hal talks about the importance of encryption. It's in the state statutes and regulations. There have been news stories of companies that didn't encrypt their data on their servers or in the cloud, and didn't understand encryption, when a data breach was revealed. [20:52] Hal places multi-factor authentication up with encryption in importance. There was a case brought against a company that did not have MFA, even though it said on its application on the cyber policy that the company used it. [21:13] Hal says these are standard, basic things that no company should be missing. If you don't know that your data is encrypted, get help fast to figure that out. [21:51] Hal has also seen news stories of major companies where the Chief Technology Officer has been sued individually, either by the SEC or others, for not doing it right. [22:07] Katherine mentions there are insurance implications. If you mistakenly state you're providing some sort of protection on your insurance application that you're not providing, the insurer can rescind your coverage, so you have no coverage in place at all. [22:23] Katherine says, These are technical safeguards, but we know the human factor is one of the greatest risks in cybersecurity. Having training for everyone who has access to your computer system, virtually everyone in your organization, is very important. [22:49] Have a test with questions like, Is this a spam email or a real email? There are some vendors who can do all this for you. Statistics show that the human element is one of the most significant problems in cybersecurity protection. [23:05] Justin says it's October, Cybersecurity Awareness Month in the U.S. Last week's guest, Gwenn Cujdik, the Incident Response and Cyber Services Lead for North America at AXA XL, said the number one cyber risk is human error, like clicking the phishing link.  [23:45] Justin brings up that when he was recently on vacation, he got an email on his personal email account, “from his CEO,” asking him to handle something for them. Justin texted somebody else at RIMS, asking if they got the same email, and they hadn't. [24:14] Justin sent the suspect email to the IT director to handle. You have to be vigilant. Don't let your guard down for a second. [24:48] Katherine has received fake emails, as well. [24:51] Hal says it has happened to so many people. Messages about gift cards or the vendor having a new bank account. Call the vendor that you know and ask what this is. [25:12] Hall continues. It's important to train employees in cybersecurity, making sure that they are using a VPN when they are outside of the office, or even a VPN that's specific to your company. [25:32] Hal saw in the news recently that innocent-looking PDF files can harbor lots of malware. If you're not expecting a PDF file from somebody, don't click on that, even if you know them. Get verification. Start a new thread with the person who sent it and ask if it is a legitimate PDF. [26:08] Justin says of cybercriminals that they are smart and their tactics evolve faster than legislation. How can organizations anticipate the next generation of threats? [26:34] Katherine says, You need to have an infrastructure in your organization that does that, or you need to go to an outside vendor. You need some sort of protection, internally or externally. [27:11] Katherine says she works with CFOs all the time. If an organization isn't large enough to have a risk manager, it's a natural fit for the CFO, who handles finances, to handle insurance. When it comes to cybersecurity, a CFO needs help. [27:46] The CFO should check the cyber policy to see what support services are already there and see if there are any that are preventative, vs. after a breach. If there are not, Katherine suggests pivoting to an outside vendor. [28:07] Hal continues, This interview is for RIMS members who are risk managers and the global risk community. Risk managers don't claim to know all the risk control measures throughout a company. They rely upon the experts in the company and outside. [28:29] If the CFO is the risk manager, he or she has big gaps in expertise needed for risk management. It's the same for the General Counsel running risk management. Risk managers are known for having small staffs and working with everybody else to get the right answers. [28:55] If you're dealing with the CFO or General Counsel in those roles, they need to be even more mindful to work with the right experts for guidance. [29:09] 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. [29:26] 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! [29:37] 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. [29:52] 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. [30:10] 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. [30:29] 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. [30:40] Justin thanks Dan and looks forward to seeing him again on November 17th and hearing all about the future of AI and risk management! [30:48] Let's Conclude Our Interview about Navigating Cyber and IT Practices to Legal Safe Harbors with Katherine Henry and Hal Weston! [31:17] Katherine tells about how Safe Harbor compliance influences cyber insurance. If your organization applies for cyber insurance and you can't meet some minimum threshold that will be identified on the application, the insurer will not even offer you cyber insurance. [31:34] You need to have some cyber protections in place. That's just to procure insurance. Cyber insurance availability is growing. Your broker can bring you more insurers to quote if you can show robust safeguards. [32:05] After the breach, your insurer is supposed to step in to help you. Your insurer will be mindful of whether or not your policy application is correct and that you have all these protections in place. [32:21] The more protections you have, the quicker you might be able to shut down the breach, and the resulting damage from the breach, and that will lower the resulting cost of the claim and have less of an impact on future premiums. [32:36] If the cyber insurer just had to pay out the limits because something wasn't in place, that quote next year is not going to look so pretty. Your protections have a direct impact on both the availability and cost of coverage. [32:50] Justin mentions that the paper highlights Connecticut, Tennessee, Iowa, Ohio, Utah, and Oregon as the states with Safe Harbor laws. The Federal requirements are also listed. Katherine expects that more states will offer Safe Harbor laws as cybercrime lawsuits increase. [33:42] Hal says Oregon, Ohio, and Utah were the leaders in creating Safe Harbors. Some of the other states have followed. Safe Harbor is a statutory protection against liability claims brought by the public. [34:06] In other states, you can't point to a statute that gives protection, but you can say you complied with the highest standards in the nation, and you probably have a pretty defensible case against a claim for not having kept up with your duty to protect against a cyber attack. [34:55] Hal adds that every company is going to be sued, and the claim is that you failed to do something. If you have protected yourself with all the known best practices, as they evolve, what more is a company supposed to do? [35:18] The adversaries are nation-states; they are professional criminals, sometimes operating under the protection of nation-states, and they're using artificial intelligence to craft even more devious ways to get in. [36:19] Katherine speaks from a historical perspective. A decade ago, cyber insurance was available, but there was no appetite for it. There wasn't an understanding of the risk. [36:32] As breaches began to happen and to multiply, in large amounts of exposure, with companies looking at millions of dollars in claims, interest grew. Katherine would be surprised today if any responsible board didn't take cyber risk extremely seriously. [36:55] The board's decision now is what limits to purchase and from whom, and not, “Should we have cyber insurance at all?” Katherine doesn't think it's an issue anymore in any medium-sized company. [37:17] The risk manager should present to the board, “We benchmark. Our broker benchmarks. Companies of our size have had this type of claim, with this type of exposure, and they've purchased this amount of limits. We need to be at least in that place.” Boards will be receptive. [37:43] If they are not receptive, put on a PowerPoint with all the data that's out there about how bad the situation is. The average cost of a breach is well over $2 million. The statistics are quite alarming. A wise decision-maker will understand that you need to procure this coverage. [38:10] Katherine says, from the cybersecurity side, you procure the coverage, you protect the company, and take advantage of the Safe Harbors. All of those things come together with the preventative measures we've been talking about. [38:24] You can show your decision-makers and stakeholders that if you do all those things, comply with these Safe Harbor provisions, you're going to minimize your exposure, increase the availability of insurance, and keep your premiums down. It's a win-win package. [38:41] Justin says, It has been such a pleasure to meet you, Hal, and thank you for joining us. Katherine, it is an annual pleasure to see you. We're going to see you, most likely, at the RIM Legislative Summit, March 18th and 19th, 2026, in Washington, D.C. [39:01] Details to come, at RIMS.org/Advocacy. Katherine, you'll be there to answer questions. Katherine looks forward to the Summit. She has gone there for years. It's a great opportunity for risk managers to speak directly to decision-makers about things that are important to them. [39:42] Special thanks again to Katherine Henry and Hal Weston for joining us here today on RIMScast! Remember to download the new RIMS Legislative Review, “A 2025 Cybersecurity Legal Safe Harbor Overview”. [39:58] We are past the 30-day mark now, so the review is publicly available through the Risk Knowledge Page of RIMS.org. You can also visit RIMS.org/Advocacy for more information. In this episode's notes, I've got links to Katherine's prior RIMScast appearances. [40:18] 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. [40:47] 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. [41:05] 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. [41:22] 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. [41:39] 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. [41:53] 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. [42:05] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Professional Report: “A 2025 Cybersecurity Legal Safe Harbor Overview” RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS ERM Conference 2025 — Nov. 17‒18 RISKWORLD 2026 — Members-only early registration through Oct 30! 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 Cybersecurity Awareness Month World Standards Day — Oct 14, 2025 Upcoming RIMS Webinars: RIMS.org/Webinars “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “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: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule “Risk Appetite Management” | Oct 22‒23 | Instructor: Ken Baker “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 Cyber and with Katherine Henry: “National Cybersecurity Awareness Month 2025 with Gwenn Cujdik” “AI Risks and Compliance with Chris Maguire” “Data Privacy and Protection with CISA Chief Privacy Officer James Burd” “Cyberrisk Trends in 2025 with Tod Eberle of Shadowserver” “Legal and Risk Trends with Kathrine Henry (2023)”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “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   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: Katherine Henry, Partner and Chair of the Policyholder Coverage Practice, Bradley, Arant, Boult, and Cummings   Harold Weston, Clinical Associate Professor and WSIA Distinguished Chair in Risk Management and Insurance, Georgia State University College of Law 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 Gwenn Cujdik, the Incident Response and Cyber Services Lead for North America at AXA XL. Justin and Gwenn cover various cybersecurity topics, and how her 15 years as an Assistant District Attorney prepared her for her current role of responding to cyber attacks. Listen for tips on securing your organization, large or small, from cyber attacks and responding when, not if, they come. Gwenn shares her experiences and some advice.   Listen for Gwenn's insights to help you be vigilant and prepared against cybercrime.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] With great sadness, the RIMS family lost a true leader in September. Susan Meltzer was an exceptional risk professional and passionate volunteer with RIMS. She served as the Society's President in 1999 and 2000. [:29] RIMS has established a scholarship fund in her name. You can donate to that fund through RIMS, The Foundation for Risk Management®, at RIMS.org/FRM. [:46] About this episode of RIMScast. This is our National Cybersecurity Awareness Month episode. Here to lend her insight on all things cyber is Gwenn Cujdik. She is the Incident Response and Cyber Services Lead for North America at AXA XL. [1:19] We're also going to talk about her fascinating career that antedates her time in cyber. [1:24] RIMS-CRMP Prep Workshops! The next RIMS CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:36] 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. [1:53] 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. [2:07] 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 virtual workshops! [2:26] 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. [2:37] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:51] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [3:08] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [3:20] On with the show! It's National Cybersecurity Awareness Month here in the U.S. and in many places around the world. Cyber continues to be a top risk among organizations of all sizes in the public and private sectors. [3:35] Joining me today to discuss cybersecurity awareness is Gwenn Cujdik. You may remember her from the RIMS AXA XL webinar on September 4th, “Lock Down & Level Up.” [3:52] During that webinar, we had a brief, fascinating discussion about her time as an Assistant District Attorney in Pennsylvania. [4:01] I wanted to learn more about how someone transitions from a colorful career to cybersecurity and eventually becomes the Incident Response and Cyber Services Lead for North America at AXA XL. [4:15]  She's got a lot on her plate. She's got a huge risk radar. We're going to talk all about it and help all the risk managers out there use her insight and perspective to protect their organizations. Let's get to it! [4:28] Interview! Gwenn Cujdik, welcome to RIMScast! [5:09] Gwenn is Incident Response and Cyber Services Lead for North America at AXA XL. When a client has a cyber breach, they call AXA XL and work with Gwenn's teams. [5:42] Gwenn works on training her teams to be able to respond, setting up procedures and processes to make the response seamless and collaborative, and making sure the clients get consistent service, whoever handles the call. [6:16] Gwen's team has 18. Four are in leadership with 14 more team members. Two managers directly supervise the teams to help them with answers to questions about unusual situations. [6:50] Gwenn helps the teams understand massive events and how they might affect AXA XL and their clients, how to interact with brokers, and technical matters. She helps the team understand coverages when it comes to something unique. “It's all hands on deck for us!” [7:55] Gwenn says, Fighting crime is a part of who I am. She is driven by helping others get through some terrible times. She has seen the worst of the worst. Sometimes it takes just one helping hand to get people through tough times. She has seen how impactful that can be. [8:44] Sometimes, in a crisis, how people interact with the victim could be the recipe for them to recover fully from that event. Gwenn has seen people recover, take back their lives, move forward, and be survivors. She has seen corporations and companies do so and become better. [9:39] Justin repeats that Gwenn has seen the worst of the worst: homicides, murders, abuses of women and children, arson, and more. She has seen it all, including things that she wishes she hadn't seen. [10:27] Gwenn compares cyber incident response to her ADA work. A prosecutor has to be able to handle things under pressure. The best prosecutors are looking to do the right thing. Gwenn has met many people who, absent the crime, would have been friends. [11:06] You have to be able to see there's a human on the other side, and there are humans that they hurt. You do right by understanding that there are a lot of players involved, who are humans. [11:26] It helps you understand where somebody might be coming from. It helps you understand why they might be screaming at you. “I'm just the messenger, but let's talk about why you're so upset.” [11:39] Gwenn says one of the cool things about being a prosecutor is that every case you have presents a different set of facts and circumstances. There's a law that's intertwined with it, and that's interesting for Gwenn. [11:54] The first time Gwenn had an arson case, she had to work with the Fire Marshals to understand how they knew the fire started here. How did they know it was a chemical? She started with the Fire Marshals and then went to the crime scene to talk to Forensic Chemists. [12:11] The Forensic Investigators explained the chemistry behind the Molotov Cocktail that was thrown through the window. This was how the fire started, and then it enveloped the room. [12:22] When Gwenn first worked with DNA, she found it to be incredibly complicated. She had to learn it to be able to explain it. Her job was to explain to 12 people why DNA mattered, why it's this guy, and not anybody else, that committed this crime; the numbers are insane. [12:44] It could be one in a hundred quadrillion that it's another person. Those numbers are insane, and it's really hard to understand. [12:56] Gwenn was in the DA's office when cell site analysis came around; being able to triangulate where someone is, using cell towers. The Philadelphia Field Office had one of the pioneers in that science. Gwenn learned from him. [13:13] One of Gwenn's matters was a homicide. They tracked the defendant from the scene of the crime, through public transportation, back to his house, using cell site triangulation. While they were mapping, the actor Joe Piscopo came by, touring the building. Gwenn was an SNL fan. [14:23] Gwenn's prosecutorial experience translates to cyber in that each matter is a little different. There's a bad guy at the other end. Gwenn is not sympathetic to the bad guys because they are anonymous. Nobody sees them or knows them. It's usually a criminal enterprise. [14:59] It's a group of people working together, motivated by money and wreaking havoc on people who are trying to make a living and support their families. The bad guys want to extort millions of dollars and put businesses and livelihoods in danger. [15:42] In Philadelphia, the elite of the elite prosecutors worked in homicide. Some spend 20 or 30 years there. Gwenn was an ADA for 15 years, but couldn't see herself doing it for 20 or 30 years. She wanted to stay positive and be a force for good when she was dealing with bad. [16:34] She wondered where she could go to have a similar impact for good, investigating, and helping people get through an awful time. [16:45] Gwenn had a friend who worked with her in the Family Violence and Sexual Assault Unit. She had left the office to work for a new law firm doing cyber incident response. She called Gwenn and said she would be really good at it. She explained it to Gwenn. [17:50] Gwenn interviewed with the firm and got an offer the day she interviewed. She realized that was what she wanted to do. Some former prosecutors were doing it. There were some amazing people, and she wanted to be a part of that, something new, interesting, and growing. [18:15] Gwenn wanted to be challenged and get to help people. Once she discovered it, she couldn't think of a better transition for people who are in law enforcement than going into cybersecurity. [18:39] RIMS Events! On November 17th and 18th, join us in Seattle, Washington, for the RIMS ERM Conference 2025. The agenda is live. Check out Episode 357 for Justin's dialogue with ERM Conference Keynote Presenter Dan Chuparkoff on AI and the future of risk. [18:59] Visit the Events page of RIMS.org to register. [19:02] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by October 30th! [19:16] 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! [19:30] 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! [19:42] Let's return to our interview with Gwenn Cujdik! [20:14] Gwenn says cybersecurity takes a village. What she learned in criminal prosecution is that as long as there have been humans, there has been crime. We're fortunate as a society to have laws, law enforcement, governing bodies, and organizations to keep crime down. [20:54] It's not dissimilar to cybersecurity. If Gwenn were talking to a board, she would say, It takes everybody in your community, in your organization, to build resilience, protect yourself from cybercrime, and react to it. [21:12] Gwenn says a big mistake people often make is thinking incident response is a job for just their tech team. The IT team is not trained in all the various fields you need to be an expert in to get through a cyber incident. [21:41] Your IT team will be able to get you up and running, collaborate, and be a good foundation for the incident response, working with outside experts. It takes people who understand the law and who understand communications. [21:54] It takes people who understand the brand, who are the heart of the organization, to be able to respond. Your CISO may say, Here's how I think that we should respond, but your CEO may say, This isn't how I think we would respond to an event like this. Keep in mind who we are. [22:32] Your legal team is there to say, Here's why we can't do that, the risk is too great; It will be worse if you do X, Y, Z; You shouldn't do that because you need to be compliant with the law. [23:11] Gwenn says good leaders lead best when they model. If you expect people to be open-minded and collaborative, you need to be the same. For the most part, organization leadership is very aware that cybersecurity is an important part of who they are and will be. [23:55] Gwenn has met a ton of CEOs who admit they don't know what they don't know and ask for help to understand cybersecurity so they can help their organizations in the best way possible. Some CEOs are thinking ahead and putting teams together that understand their role. [24:20] Gwenn has encountered CEOs who are just messing up the process. One wanted to invite his wife, not an employee, to the conversation because she would like to hear about it.  From a legal and business perspective, it's very risky for the company. [25:04] One Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [25:23] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [25:39] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [25:53] Let's Conclude Our National Cybersecurity Awareness Month Interview with Gwenn Cujdik! [26:05] It's National Cybersecurity Awareness Month 2025, here in the U.S. It's a big month for everyone in Gwenn's house; they have to pull their own weight a little more because she's traveling a lot, she's out a lot, and there are a lot of conferences and meetings going on! [26:29] Gwenn tries not to shove everything cyber just into October. October is busy, and she loves it. [26:56] On October 29th, at the Sheraton New York Times Square Hotel in Manhattan, Gwenn will be the Conference Co-Chair for the Zywave Cyber Risk Insights New York event. It's a full day with a lot of very knowledgeable individuals from a range of companies. [27:50] It is one of Gwenn's favorite events. It's a day packed with good information. She would love to see more risk managers and CISOs join it. The amount of information you can get in one day is almost unbelievable. The content is pretty diverse. [28:21] It covers claims, the state of the market, the different ways threat actors are attacking, how to prepare better for attacks and for business continuity, and how to organize invoices and costs as you're going through an incident response. [29:01] Gwenn says, Get the small things right so you can deal with the big things. While you tackle the small things, you can talk about whether or not the law requires you to file notifications to seven million people and how to get through that as a company. [29:22] Gwen says it's a great event. Gwenn will be there, giving opening remarks. Justin will be there, after attending a heavy metal concert the night before. The link is in this episode's show notes. [30:52] When Gwenn entered the cybersecurity field, she was surprised at the female presence. One of the managing partners who interviewed her was a female. There are also savvy female hackers out there. [31:35] Gwenn says that in criminal law, people have trouble understanding that women can commit crimes, the same way that men can. Gwenn points out Elizabeth Holmes and the book Bad Blood, about Theranos. [32:23] Gwenn mentions a woman in government who embezzled $22 million from her community to show horses. [32:42] Gwenn says, in terms of cybersecurity being a male-dominated field, we're all learning together; anybody who tries and is committed to it can do it. Because it's new, people come from different backgrounds with diverse experiences. [33:11] Gwenn says, We're seeing value in people coming from different careers and different industries and seeing their skillsets translate to cybersecurity. In this field, you need great diversity with people from all different backgrounds to be able to tackle this. [33:38] It's not one-size-fits-all. There are personalities involved. There are different businesses involved, from small to large, public to government. You have to be able to understand a huge variety of people and businesses. You have to understand a huge amount of technology. [34:00] Gwenn talks about the differences between cybersecurity and other industries. eDiscovery for cyber is not the same as eDiscovery for litigation. You need special people and tooling, and you have to understand what the tooling is, which helps you figure out timing. [34:43] Technology is always developing. Gwenn compares it to cat and mouse. We're constantly chasing the bad guys to figure out what they're doing. Sometimes it's reactive. They'll think of something new, and we've never seen it before. This is how we get through it. [35:04] The tools and a skillset you've used dealing with everything before help you tackle what's coming. Even the way we investigate and respond to things has changed. [35:16] Gwenn says when we came on the scene, we would grab images of all the computers. If there were 50 computers, you would have 50 images, which would mean people going through a massive amount of data, taking a really long time. [35:30] We don't do that now. We have tools and technology that can get through a system programmatically, to pull the evidence we need to do these investigations without having to go into a shop and take copies of laptops or servers to get through that. [35:49] That makes a potential difference of millions of dollars in responding. It's the difference between months and a month to respond. [36:15] Gwenn has not seen a malicious actor with technology or an algorithm that is beyond what she has seen before. She says, We have the technology they have. You'd be surprised how much private industry gives to our community in terms of intelligence and technology. [36:35] Gwenn adds, We work with the government to find out solutions. The industry is armed pretty well. Gwenn has seen some things that have impressed her. One attacker was pulling searches from a legal hold, getting into sensitive information. [37:16] Their searches looked legitimate, like what an attorney would look for, so it didn't set off bells and whistles. Gwenn wonders how they knew to look in a legal hold. Were they lawyered? That was something small but ingenious to Gwenn. [37:46] Seeing a smart attack invigorates Gwenn to use her brain and try to be as smart or smarter. She says that's what is great about this job. It's constantly changing. You're constantly moving. It's not for weak minds. [38:11] To excel, you have to be smart, tenacious, and love learning. You have to love that you may be an expert in this, but you may become obsolete. You've got to keep your game up.  Gwenn says she is just a big nerd for it. [38:33] Attackers are using AI more. Gwenn recalls two incidents recently where two different groups, for two different reasons, were attacking Salesforce. That's the rub of being popular. One group used AI to search quickly for sensitive information to leverage attacks on companies. [39:27] Unfortunately, people are reusing passwords, and the bad guys know that. Gwenn says you'd better not! [39:57] Justin comments that AI being used for a cyber attack should be on companies' risk radars. How can they adjust defense strategies to stay ahead of something like that? [40:08] Gwenn is dealing with that at this moment. If you are a big company with subsidiaries and locations around the country or the world, segregate the networks. If an attack hits your facility in Oklahoma, they won't have access to your facility in Belgium. [40:38] If your locations are networked, it's a domino effect. If one goes down, they all go down. In terms of business resilience, that is the one factor that can tumble everything with the press of a button. [40:55] The tools that bad guys are using are meant to get them through fast. They get in, use AI to conduct reconnaissance, and get terabytes of data out quickly. It's important to take every effort to reduce the severity of an attack in its spread and the amount of data stolen. [41:40] Can they move laterally within a company or elevate privileges by getting to the admin, who has access to everything? It's great to focus on how to prevent it, but the reality is, they're going to find a way. It's not if, it's when. [42:09] While you have to prevent the attack from happening, and be vigilant. If you get an attack, you have to make sure it's small, you respond quickly, and it's not going to hit every facet of your company. Attacks that hit every facet of the company are the most devastating. [42:39] Justin says you've been wonderful. You've given us so much to think about when it comes to National Cybersecurity Awareness Month. You do great work! I look forward to seeing you in more AXA XL RIMS collaborative webinars! [42:55] We'll see you in the city for the Zywave Cyber Risk Insights New York, on  October 29th, delivering the opening address and mingling with attendees. [43:04] Gwenn says, I'll be there all day, attending sessions, supporting my friends on panels, my cyber family, and for folks who want to meet me. I'm always happy to talk cyber! [43:24] Justin says, Lock Down & Level Up: Turn Up Your Cybersecurity Game Against Creative Cyber Criminals. [43:30] You've been such a wonderful guest, and I appreciate all your time and insight today. Thank you, Gwenn! [43:43] Special thanks to Gwenn Cujdik of AXA XL for joining us here to discuss all things cyber. The AXA XL RIMS webinar, “Lock Down & Level Up: Turn Up Your Cybersecurity Game Against Creative Cyber Criminals,” is now available on demand through the RIMS.org/Webinars page. [44:05] A link is also in this episode's show notes. [44:07] Gwenn will deliver the opening address at the Zywave Cyber Risks Insights New York Conference on October 29th in Manhattan. A link is in this episode's show notes. [44:19] 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. [44:47] 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. [45:05] 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. [45:23] 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. [45:39] 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. [45:54] 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. [46:06] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RISKWORLD 2026 — Members-only early registration through Oct 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now Zywave's 2025 Cyber Risk Insights Conference — Oct. 29, 2025 | New York City StaySafeOnline.org “RIMS Issues Statement on the Passing of Legendary Risk Leader and Former RIMS President Susan Meltzer” Upcoming RIMS Webinars: RIMS.org/Webinars Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes | Oct. 9 | Sponsored by Global Risk Consultants Jury Dynamics: How Juries Shape Today's Legal Landscape | Oct. 16, 2025 | Sponsored by Zurich 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 “Lock Down & Level Up: Turn Up Your Cybersecurity Game Against Creative Cyber Criminals”   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule “Risk Appetite Management” | Oct 22‒23 | Instructor: Ken Baker “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 Cyber: “AI Risks and Compliance with Chris Maguire” “Data Privacy and Protection with CISA Chief Privacy Officer James Burd” “Cyberrisk Trends in 2025 with Tod Eberle of Shadowserver”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “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   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: Gwenn Cujdik, Incident Response and Cyber Services Lead for North America at AXA XL Production and engineering provided by Podfly.  

Alle Informationen zur Carnivoren Ernährung unter www.carnitarier.de. ______________________________________________ Herzlichen Dank an unsere WERBEPARTNER: www.carnivoro.eu: Supplemente rund um die Carnivore Ernährung Mit dem Gutscheincode CARNITARIER erhältst du 10 % Rabatt auf deinen ersten Einkauf! Affiliate Link: www.carnivoro.eu/carnitarierinwww.kaufnekuh.de: Fleisch aus artgerechter Haltung mit fairen Preisen für Landwirte Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf ab 50 €. www.mindful-meat.com: Hochwertiges Hirschfleisch aus den Wäldern Deutschlands. Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf. www.pemmican-shop.de: Europas einzige originale Survival Beef Bar – Made in Germany. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen ersten Einkauf.www.theminerals.de: Beste Elektrolyte für die Umstellung auf Keto und für Carnivoren, die viel Sport treiben. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen Einkauf. ________________________________________________Folge 204: Raus aus Depression, Gehirnnebel, Energie- und SchlaflosigkeitUta kam vor vier Monaten zu mir ins Coaching und wollte den Schritt in Richtung Carnivore starten, nachdem sie über Antinährstoffe gehört hatte. Bei ihr waren der Gehirnnebel, die Energielosigkeit und die Depression wieder stärker geworden und sie wusste, dass sie eine Veränderung dagegen benötigte. Ganz konnte sie sich nicht mit dem Gedanken an eine Carnivore Ernährung anfreunden. So beschlossen wir mit einer kohlenhydratarmen Ernährung zu beginnen und den Großteil der belastenden pflanzlichen Lebensmittel wegzulassen. Heute ist der Gehirnnebel verschwunden, die Energie und auch mehr Kraft ist zurück, sie konnte die Schlafmittel absetzen, die Antidepressiva vermindern. Zudem ist ihr Sodbrennen verschwunden, wie auch Ekzeme auf der Haut, und die Fibromyalgie hat sich verbessert.____________________________________________________Fleischzeit ist der erste deutschsprachige Podcast rund um die carnivore Ernährung. Hier erfahrt ihr Tipps zur Umsetzung des carnivoren Lifestyles, wissenschaftliche Hintergründe zur Heilsamkeit sowie ökologische und ethische Informationen zum Fleischkonsum. Eine Übersicht über alle Folgen findet ihr hier: www.carnitarier.de/fleischzeitpodcastAndrea Siemoneit berichtet nach über sechs Jahren carnivorer Ernährung über ihre Erfahrungen und Erkenntnisse. Außerdem interviewt sie andere Carnivoren und Wissenschaftler.Ihr findet sie auf Instagram unter @carnitarier.deHandbuch der Carnivoren Ernährung: www.carnitarier.eu Haftungsausschluss:Alle Inhalte im Podcast werden von uns mit größter Sorgfalt recherchiert und publiziert. Dennoch übernehmen wir keine Haftung für die Richtigkeit, Vollständigkeit oder Aktualität der Informationen. Sie stellen unsere persönliche subjektive Meinung dar und ersetzen auch keine medizinische Diagnose oder ärztliche Beratung. Dasselbe gilt für unsere Gäste. Konsultieren Sie bei Fragen oder Beschwerden immer Ihren behandelnden Arzt.

Fettstoffwechsel ist mehr als ein Buzzword – er entscheidet im Ausdauersport über Leistung, Ermüdung und am Ende oft auch über den Spaß im Rennen. In dieser Episode JUNKMILES sprechen Sandra und Björn darüber, wie unser Körper Fette und Kohlenhydrate nutzt, warum die Speicher so unterschiedlich groß sind und weshalb gezieltes Training den Unterschied machen kann.

In our first video Sustainable Connections podcast, host Mark Lee speaks with ERM colleagues Linden Edgell, Sabine Hoefnagel, and Liam Walsh about their experience at and impressions of Climate Week New York 2025. Listen and watch to hear their views including:The overall mood as compared to prior years and to London Climate Action Week a few months ago.A summary of key topics and themes, from the roles of investors and customers in providing capital and shaping demand for low-carbon products and services, to how companies are working to address the social impacts of decarbonization and adaptation and the ways carbon markets are evolving.The differences in regional and sectoral approaches to climate solutions and what businesses need to do to adapt their strategies to successfully navigate varied policy and societal terrain.New ways technology and innovation are spurring development of more sustainable products and services capable of winning greater market share.How sustainability leaders need to evolve their leadership style to support the market transformation that building a net-zero carbon future requires.Expectations for how issues swirling at Climate Week may shape COP30 in Belém, Brazil this November. Watch the full episode on Youtube Find out more about ERM at Climate Week NYC

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews James Swanke, Lecturer in Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business. He currently serves as Director of the Risk Management and Insurance MBA program. Justin and Jim talk about his 42 years of experience in Risk Consulting with Willis Towers Watson, and his specialties there, particularly with captives. They discuss the University of Wisconsin-Madison Risk Management and Insurance MBA program, what the students learn, and the competitions they have won in the last year, and they look forward to winning this year. Also, Jim tells of disc jockeying in college, from Classic Rock to Polka.   Listen to learn about captive design, how to prepare for emerging trends, and who wrote the best music of the '70s.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This is our special International Podcast Day episode because it's released on September 30th. We will be joined by Jim Swanke. He's a lecturer in the Risk Management Program of the University of Wisconsin. [:46] Jim started his career in broadcasting, and he still has the voice. We've got a lot to talk about today! [:54] RIMS-CRMP Prep Workshops! The next RIMS CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:06] 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. [1:23] 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. [1:39] 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 virtual workshops! [1:58] 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. [2:09] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:22] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:39] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:51] We're very excited that today is International Podcast Day! Before we celebrate, I wanted to take a moment to acknowledge and mourn the passing of Todd Cochrane. Todd was a podcast pioneer. [3:06] I've linked in this episode's show notes to a wonderful obituary from Podnews®, about his career, starting with his time in the Navy up to launching his own podcast, and writing Podcasting: The Do It Yourself Guide, from Wiley Publishing in 2005. [3:25] Over the last couple of months, I've had the pleasure of communicating with Todd over email for the Podcast Awards, and it was only last week that I saw the unfortunate news of his passing, which occurred suddenly on September 8th. [3:30] Our condolences go out to his family, friends, and the greater podcasting industry. [3:47] On with the show! This is our special International Podcast Day episode, and I am delighted to be joined by James Swanke, the Director of the Risk Management and Insurance MBA Program at the Wisconsin School of Business at the University of Wisconsin-Madison. [4:06] Jim spent four decades at WTW, specializing in financial and strategic planning issues, as well as captive insurance company design. [4:18] Jim was recently quoted in a new professional report, available on the RIMS Risk Knowledge page, and sponsored by LineSlip Solutions, titled “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” [4:32] Jim got his start at the University of Wisconsin in broadcasting. We're going to talk about his career path and how being a disc jockey led him to where he is today, educating the next generation of risk professionals. Let's get to it! [4:50] Interview! Jim Swanke, welcome to RIMScast! [5:38] When Jim was in high school, he competed in forensics, in extemporaneous speaking. He did very well. He did well at the University of Wisconsin-Madison, and it got put in the newspaper. WLDY, in Ladysmith, Wisconsin, saw it in the newspaper and contacted him. [6:03] They were looking for a radio jock to “spin vinyls,” do some DJing, and read sports and news. That job helped Jim get into the University of Wisconsin-Madison. [6:21] Jim studied actuarial science and risk management. He went into the Bachelor's program, the MBA program, and the graduate program in risk management, insurance, and corporate finance. [6:40] Jim was hired by the Wyatt Company and did lots of feasibility studies. After 42 years at Willis Towers Watson, he retired. Now he teaches at the University of Wisconsin-Madison. [6:57] Broadcasting set Jim on his path. He says that everything about what we do in the captive and risk management area is about communication. If you're not communicating, listening, helping out, and building stuff, you're not going to be a success. [7:28] When Jim was a DJ at WLDY, they played different kinds of music. On Sundays, he played polka music. On Saturdays, it was country western, and Monday through Friday, it was rock music. Rock music is what he enjoys. At the top of every hour, he did the news and weather. [8:13] Justin recalls his own career. He was just waiting for podcasting to be invented, then he was able to make it all work out. [8:31] Jim worked with captives at Willis Towers Watson. He is quoted in a new LineSlip paper, “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” Justin saw his name there and thought it would be good to have him on RIMScast. [8:53] Jim described captives as a lifeline during extreme market conditions, comparing today's hard market to the turbulence of the 1980s. Jim tells what makes captives effective under hard conditions. Captives allow organizations to control their own destiny. [9:20] When you're in a hard market, having a captive allows you to take premiums that you normally pay to a commercial insurance carrier and put them into your captive insurance company. A captive is a subsidiary of the captive owner. [9:41] Most of the Fortune 500 companies in the United States have a captive. It allows them to arbitrage whatever's going on in the insurance marketplace. When we're having a difficult market, they put more of their premiums into the captive and rely on the captive more. [9:58] When the market softens, carriers may provide insurance at premiums that are lower than the expected losses. Organizations will buy commercial insurance all the time when the premiums are less than their projected losses. [10:14] Depending on where it is in the market, a captive has a role in an organization's risk management program. [10:27] Jim says a lot of organizations have looked to captives since 2020. We were in the midst of the pandemic, with all kinds of economic hardship. The insurance industry was in despair, as well. A lot of insurance companies cut back on the limits they were willing to offer. [10:49] Insurance companies put additional exclusions onto their insurance, so organizations had to rely on their own sophisticated ways of financing their losses. If they hadn't set up a captive, they set up a captive. If they had a captive in the past, they re-engineered it to do more. [11:15] They also used their captives to access the reinsurance marketplace. Reinsurance is insurance for insurance companies. A captive can be used as a platform to access reinsurers. [11:37] Even in difficult markets, having reinsurers involved created more competition, provided more limits, and there was more flexibility in the coverage terms. [11:48] That was when the pandemic was going on, which triggered the hardening of the market and the lack of availability of insurance. Organizations with captives relied on them and did more. Organizations without captives had captive feasibility studies done and formed captives. [12:09] Jim says the CEO of a captive should be a senior person who will monitor what's going on, fairly senior in the organization. It's not a full-time position. It takes three or four hours a month, plus board meetings. [12:46] A captive is required to have a captive manager, who is an accountant. They keep the books and interface for the captive with the regulator. The President or CEO of the captive relies on the captive manager to do a lot of the daily work. [13:09] Jim says you need a senior person involved so people take the captive seriously. The senior person is going to be the driver in reducing the severity of loss through loss prevention and loss reduction. Having a senior person is so important to the success of the captive. [13:40] There are lots of considerations when you're looking to make changes to your captive. Changes could include adding emerging types of risks, like cyber risk. If you're a hospital, a lot of medical malpractice captives have been hugely successful and have grown surplus. [14:08] Healthcare institutions are passing on some of their capitated risk exposures into their captives because they've done quite well with their medical malpractice. These risks are not correlated with each other, so there is a diversification benefit. [14:22] As you look to make these changes, you need to look at increasing risk assumptions, different attachment points on reinsurance, and changing your investment policy. You have lots of levers, and if you make changes, you need to analyze what the impact will be on your captive. [14:52] Jim talks about leaning into technology. Before 9/11, we didn't have the sophisticated software we've created in the last few years. [15:06] To look at covering all the possibilities and changing your captives, from adding new coverages to reinsurance reattachment points, was a monumental amount of actuarial work to figure out how to optimize your captive. [15:19] Recently developed software looks at all the possibilities in terms of changing your captive to optimize what you're doing. 20 years ago, Jim would spend months doing the actuarial work, working with an investment bank and charging them heavy fees. [15:39] Now, with new software, what took Jim months and months to do can be done in a matter of two to three days. The productivity today, in terms of optimizing your captive, is far greater than it was 20 years ago, because of the software that has been developed. [15:55] Jim likes that the software looks at all the risks and how these risks interact with one another. Looking at risks in a captive holistically is very important because many of these risks are hardly correlated with one another. [16:15] Looking at risks holistically, you can figure out the diversification benefit of having all of these risks within your captive, which has a major impact on the amount of economic capital that your captive will need to maintain. This software has been a game-changer. [16:34] RIMS Events! On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [16:55] On November 17th and 18th, join us in Seattle, Washington, for the RIMS ERM Conference 2025. The agenda is live. Check out Episode 357 for Justin's dialogue with ERM Conference Keynote Presenter Dan Chuparkoff on AI and the future of risk. [17:14] Visit the Events page of RIMS.org to register. [17:17] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by September 30th! [17:32] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 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! [17:46] The members-only registration link is on 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! [17:56] If you are listening to RIMScast on our broadcast day, that means today is September 30th. It is last call for registration at the Earlybird rate! [18:08] In the spirit of it being September 30th, which is International Podcast Day, let's return to our interview with Jim Swanke! [18:22] Jim is the Director of the Risk Management and Insurance MBA at the University of Wisconsin-Madison. The curriculum includes technology, AI, and automation. In his classes, Jim is using the new software he discussed earlier. [18:46] Jim taught a class the day before on the principles of risk management. He talked about how risks are interrelated with each other and how you need to analyze them holistically, figuring out how they are correlated, not in siloes. [19:13] The holistic view will give you the best answer in terms of the economic capital that will be required to put into your captive. If you're analyzing risks silo by silo for each risk, that will lead you to having more economic capital in your captive than you need. [19:35] Jim has learned, in 42 years of consulting, that the CFOs in these organizations don't want to trap cash in their captives. Teaching this software to this new generation of students, they will be able to step into the roles of captive managers that the industry will need. [20:07] We're at the tip of the iceberg with AI. We're still learning in Academia what the power of AI is going to be. Jim foresees AI being very important in handling claims and in underwriting. [20:30] AI will allow commercial insurance companies to have a better way of doing their pricing and making decisions on whether or not risks should be accepted. It will also be beneficial to captives. [20:43] Jim thinks AI will advance the technology far ahead. We're just beginning to touch on some of the advantages within the insurance industry and within captives. [21:05] Jim started teaching in 2011. When University of Wisconsin-Madison Professor Dan Anderson retired, Jim was chosen to teach a class on sustainability that was started by Professor Anderson. He has taught it since 2011. [21:41] At the time, some students did not think anything was going on with climate change. A couple of students stood up in class and said all of this was just made up. It was a fantasy. [22:03] Today, when Jim goes into class, students are there a half-hour early and stay late. They are very connected and working together to figure out how to reduce CO2 emissions to slow down the heating of the planet and the extreme weather events that are coming more often. [22:24] The class has evolved over the years, and the students are more engaged than they ever have been. [22:33] The students from the University of Wisconsin-Madison were the winners of the Spencer-RIMS Risk Management Challenge at RISKWORLD 2025 in Chicago. Jim knows all of those students and had a couple of them in his class yesterday. [23:04] The students won with the Huntington, West Virginia case study, a six-month project. Huntington is on the Ohio River, and with extreme weather events, flooding has become a big issue in that community. They competed with students around the world to solve the issue. [23:49] Each school's team came up with things that could be done and conducted an analysis on what they thought was the best way of handling it. The University of Wisconsin-Madison's team focused on resiliency with levees and dikes to hold back the flooding. [24:27] The four Wisconsin students presented their paper and won, out of 61 schools competing. The University of Wisconsin-Madison received $10K. The second-place university, DePaul, received $7.5K, and the third-place school, IIRM Hyderabad (past year winner), got $5K. [25:04] The University of Wisconsin-Madison team entered two other contests last year and won them both. The CICA Captive competition involved case studies around Kaneka captives. It required an essay and a PowerPoint deck. [25:52] The MBA students entered the A.M. Best competition for insurance solutions to a global issue. The students used a combination of parametric and indemnity triggers to provide insurance to the disadvantaged in the Caribbean and Latin America. [26:23] If there was hurricane damage, it would trigger a parametric to allow an amount of money to be paid immediately to these disadvantaged families. Then there would be the indemnity insurance that would look at the actual losses and true them up to the loss amount. [26:49] It involved the combination of parametrics and conventional indemnity insurance, which was noteworthy and probably pushed the team over the top. [27:11] The professor who was the advisor in the Spencer Challenge is Carl Barlett. Carl is an attorney by training, and he has the energy to work with bachelor's students. He's graduated hundreds of people out of his program over the last four or five years. [27:59] The University has Career Fairs where 60 or 70 companies will come to meet with students. That's a credit to Carl. Not a lot of companies will come to a university to meet with students. Because of the program he put together, lots of organizations want to hire students. [28:21] The University of Wisconsin-Madison business school is typically ranked number 1. [28:31] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [28:50] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [29:06] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [29:19] Let's Get Back to Our Interview with Jim Swanke of the University of Wisconsin-Madison! [29:46] Jim tells his students that we don't know today what the emerging risks are going to be. What we need to do is design our risk management program and keep our eyes and ears open to what is going to happen next. [30:04] Jim cites The Black Swan, by Nassim Nicholas Taleb. It gets into what we need to do as people of risk management and societies to try to identify the emerging risks that will impact us going forward. [30:21] In risk management, we look at the past to try to project what's going to happen in the future. We were caught by the pandemic. Very little business interruption insurance was offered. If we had been forward-thinking, we would have thought about coverages for the emerging risks. [31:19] An emerging risk after 9/11 was that insurance companies put exclusions on their insurance policies, excluding terrorism. The Federal Government passed the Terrorism Risk Insurance Act (TRIA) and offered it as a backstop to insurance companies. [31:55] Anybody with a captive could access that reinsurance through the U.S. Treasury, using their captive insurance company. [32:23] Jim sees more employee benefits going into captives. The advantages you have in the P&C area are also in place for employee benefits. Organizations with large workers' compensation self-insurance programs are putting excess workers' compensation into captives. [32:57] Jim says you need to be nimble and on your toes. Emerging risks are going to come out over the next 10 to 15 or 20 years. Keep your eyes and ears open so when they emerge, you can deal with them to reduce the frequency and severity of loss and see how to finance them. [33:19] Jim highly recommends reading The Black Swan. It's a good way to begin to think about how you should think about emerging risks. [33:42] Jim says school is going really well. One thing he noticed this year is the diverse nature of his students. There are more disciplines within the risk management area that people are interested in. [33:56] In class recently, Jim had a group that was in the investment banking area, a group that was in HR, and a couple of students from China. There was a broad diversity in the class. [34:16] It enriches the conversation to have people coming from different places with different backgrounds and different educational experiences. It shows the power of having diversity in the classroom. It's exciting. [34:32] The class will write papers on Enterprise Risk Management and talk about captives, and more. They'll compete in the CICA Captive Competition again, to maintain their number one rating there! They're off to a great start! It's nice to see students so highly energized! [34:53] Jim says the future is bright with the students graduating from the Wisconsin School of Business at the University of Wisconsin-Madison. [35:22] Justin and others have liked Jim's broadcasting voice. Jim thanks Justin for commenting on it. [35:55] Jim's time as a DJ was 50 years ago. He recalls two or three instances of hot mikes, when some of the FCC's seven deadly words may have been spoken. He says nobody wants that, but it was a real learning experience. [36:29] Jim recalls when the studio tower was hit by lightning. Jim was alone in the radio station when it happened. Lightning bolts were flying around the building after the tower got hit. The station went off the air, and Jim had to figure out a way to put it back on the air. [36:58] Jim highly recommends to young people, if you get an opportunity to get involved with radio or TV, give it a shot, because it's a lot of fun! Justin ties it to podcasting and video blogging. [37:42] Jim likes all the music of 1976 and didn't have a favorite album. He likes Deep Purple and Bob Seger. He says there's no better songwriter than Bob Seger. There was a diversity of good music going out at that time. It was a wonderful time to be working in a radio station. [38:47] Justin is a father of two young people under 12 who like to listen to classic rock. “Dancing in the Moonlight,” by King Harvest, is a greatest hit in the family. They love Van Morrison. [39:56] On the subject of podcasting, Jim thinks there is an opportunity to develop content that helps the everyday American with their personal insurances, like homeowners, auto, health, life, and how they buy their insurances. [40:45] In class recently, the MBA students, the brightest and best, designing plans for New York investment banks and worldwide financial institutions, told Jim that they had questions about what to buy in auto policies and homeowners policies. [41:07] Jim states that an insurance podcast for the everyday American is something the industry needs to be doing. Justin suggests that members of the global RIMScast audience could pick up the baton and get to work! [41:27] Maybe it becomes part of the coursework for a class like Jim's. It could be part of a challenge, like the Spencer-RIMS Risk Management Challenge. [41:48] Jim says being able to talk about this with graduate students gives them some familiarity with what risk is, in terms of the instability of results. They can relate to it because they need to buy an auto policy or a homeowners policy. [42:03] While these coverages don't match up perfectly with what's going on in the commercial insurance marketplace, learning about them gives students a sense of what insurance is about, what risk management is about, and how to reduce the frequency and severity of losses. [42:22] Jim, it has been such a pleasure to speak with you and to pick your brain on risk management education, broadcasting, and music! Thank you so much for joining us here on RIMScast! [42:33] Good luck to you and your students at the University of Wisconsin-Madison, as you look to the 2026 competitions. I can only imagine they're going to do great things! [42:58] Special thanks again to Jim Swanke for joining us here on RIMScast! For more information, check out the links in this episode's show notes. [43:06] Remember to check out “The Future of Captive Insurance: Governance, Technology, and Performance Optimization”, a Professional Report sponsored by LineSlip. It is available through the Risk Knowledge Page of RIMS.org. That link is also in this episode's show notes. [43:22] The paper features a lot of Jim's fascinating perspective and insights on captives. [43:28] 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. [43:56] 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. [44:14] 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. [44:33] 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. [44:48] 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. [45:02] 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. [45:15] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! — Last Call! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now “The Future of Captive Insurance: Governance, Technology, and Performance Optimization” — Professional Report, Sponsored by LineSlip | Featuring insight from James Swanke University of Wisconsin-Madison Wins 2025 Spencer-RIMS Risk Management Challenge Internationalpodcastday.com Obituary for Podcasting Trailblazer Todd Cochrane RIMS Webinars: RIMS.org/Webinars “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “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: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule Risk Appetite Management | Oct 22‒23 | Instructor: Ken Baker 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 Education, Risk Talent, and Captives: “Risk Management Momentum with Lockton U.S. President Tim Ryan” “RIMS 2025 Risk Manager of the Year, Jennifer Pack”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “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   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: James Swanke, Lecturer: Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business, Director of the Risk Management and Insurance MBA program Production and engineering provided by Podfly.  

In this episode, Mark and Chris share their take on New York Climate Week 2025 through the lens of the Sustainability at a Crossroads report recently published by ERM, GlobeScan, and Volans. Listen to hear their perception of the key themes, the collective mood, and the overall experience they had during this intense and energetic week. 

Alle Informationen zur Carnivoren Ernährung unter www.carnitarier.de. ______________________________________________ Herzlichen Dank an unsere WERBEPARTNER: www.carnivoro.eu: Supplemente rund um die Carnivore Ernährung Mit dem Gutscheincode CARNITARIER erhältst du 10 % Rabatt auf deinen ersten Einkauf! Affiliate Link: www.carnivoro.eu/carnitarierinwww.kaufnekuh.de: Fleisch aus artgerechter Haltung mit fairen Preisen für Landwirte Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf ab 50 €. www.mindful-meat.com: Hochwertiges Hirschfleisch aus den Wäldern Deutschlands. Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf. www.pemmican-shop.de: Europas einzige originale Survival Beef Bar – Made in Germany. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen ersten Einkauf.www.theminerals.de: Beste Elektrolyte für die Umstellung auf Keto und für Carnivoren, die viel Sport treiben. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen Einkauf. _____________________________________________Folge 203: Carnivore Transformation – Dickdarm gerettetMarc hatte den Darm voller Polypen. Medikamente konnten hier eine Besserung bewirken, aber es entstand eine gefährliche Stenose im Dickdarm trotz Medikation. Nach Jahren des Leids sollte nun sein Dickdarm entfernt werden. Für ihn wurde dann klar, dass es eine andere Lösung geben müsste. So stieß er auf Denny Kircheis, der die Carnivore Ernährung selbst als Rettung entdeckt gegen seinen Morbus Crohn. Nach wenigen Tagen nur Fleischessens hörte bei Marc der blutige Stuhl auf, er bekam wieder festen Stuhlgang und führte die Carnivore Ernährung weiter. Zusammen mit der Änderung weiterer Lebensstilfaktoren durchlebte er eine Transformation und ist heute nicht mehr wiederzuerkennen. Hört rein in die spannende Geschichte von Marc, der den Aussagen der Ärzte über seine unheilbare Krankheit nicht glauben wollte.Heute betreut er beim Mojo Institut das Projekt Carnimmun, um anderen Betroffenen mit Colitis Ulcerosa oder Morbus Crohn zu helfen.Ihr erreicht Marc auf Instagram unter @marc.paffrath.____________________________________________Fleischzeit ist der erste deutschsprachige Podcast rund um die carnivore Ernährung. Hier erfahrt ihr Tipps zur Umsetzung des carnivoren Lifestyles, wissenschaftliche Hintergründe zur Heilsamkeit sowie ökologische und ethische Informationen zum Fleischkonsum. Eine Übersicht über alle Folgen findet ihr hier: www.carnitarier.de/fleischzeitpodcastAndrea Siemoneit berichtet nach über sechs Jahren carnivorer Ernährung über ihre Erfahrungen und Erkenntnisse. Außerdem interviewt sie andere Carnivoren und Wissenschaftler.Ihr findet sie auf Instagram unter @carnitarier.deHandbuch der Carnivoren Ernährung: www.carnitarier.eu Haftungsausschluss:Alle Inhalte im Podcast werden von uns mit größter Sorgfalt recherchiert und publiziert. Dennoch übernehmen wir keine Haftung für die Richtigkeit, Vollständigkeit oder Aktualität der Informationen. Sie stellen unsere persönliche subjektive Meinung dar und ersetzen auch keine medizinische Diagnose oder ärztliche Beratung. Dasselbe gilt für unsere Gäste. Konsultieren Sie bei Fragen oder Beschwerden immer Ihren behandelnden Arzt.

Alle Informationen zur Carnivoren Ernährung unter www.carnitarier.de. ______________________________________________ Herzlichen Dank an unsere WERBEPARTNER: www.carnivoro.eu: Supplemente rund um die Carnivore Ernährung Mit dem Gutscheincode CARNITARIER erhältst du 10 % Rabatt auf deinen ersten Einkauf! Affiliate Link: www.carnivoro.eu/carnitarierinwww.kaufnekuh.de: Fleisch aus artgerechter Haltung mit fairen Preisen für Landwirte Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf ab 50 €. www.mindful-meat.com: Hochwertiges Hirschfleisch aus den Wäldern Deutschlands. Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf. www.pemmican-shop.de: Europas einzige originale Survival Beef Bar – Made in Germany. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen ersten Einkauf.www.theminerals.de: Beste Elektrolyte für die Umstellung auf Keto und für Carnivoren, die viel Sport treiben. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen Einkauf. ________________________________________________Folge 202: Crossfit mit Carnivore und intermittierendem FastenJessica, 43, berichtet uns von ihrem Weg zu Carnivore. Sie hat schon immer sehr viel Sport getrieben: Crossfit, HIIT sowie Bodybuilding. Dabei drehte sich alles ums Essen, möglichst fettarm, mit vielen Kohlenhydraten und Proteinen. Sie dachte ständig ans Essen, musste ständig essen und fühlte sich dennoch nicht wohl und zufrieden. Nach der Lektüre von Dr. Jason Fung begann sie mit intermittierendem Fasten. Das war der erste Durchbruch, der ihr eine bessere Leistung ermöglichte. Dann begann sie mit Keto und kam schließlich zu Carnivore. Inzwischen fügt sie auch ab und an etwas Obst oder Nüsse hinzu, ist aber sehr dankbar, dass sie kaum Arbeit oder Dreck in der Küche mehr produziert.Durch Carnivore konnte sie ihr Hautbild verbessern und ihre Zufriedenheit mit dem eigenen Körper.________________________________________________Fleischzeit ist der erste deutschsprachige Podcast rund um die carnivore Ernährung. Hier erfahrt ihr Tipps zur Umsetzung des carnivoren Lifestyles, wissenschaftliche Hintergründe zur Heilsamkeit sowie ökologische und ethische Informationen zum Fleischkonsum. Eine Übersicht über alle Folgen findet ihr hier: www.carnitarier.de/fleischzeitpodcastAndrea Siemoneit berichtet nach über sechs Jahren carnivorer Ernährung über ihre Erfahrungen und Erkenntnisse. Außerdem interviewt sie andere Carnivoren und Wissenschaftler.Ihr findet sie auf Instagram unter @carnitarier.deHandbuch der Carnivoren Ernährung: www.carnitarier.eu Haftungsausschluss:Alle Inhalte im Podcast werden von uns mit größter Sorgfalt recherchiert und publiziert. Dennoch übernehmen wir keine Haftung für die Richtigkeit, Vollständigkeit oder Aktualität der Informationen. Sie stellen unsere persönliche subjektive Meinung dar und ersetzen auch keine medizinische Diagnose oder ärztliche Beratung. Dasselbe gilt für unsere Gäste. Konsultieren Sie bei Fragen oder Beschwerden immer Ihren behandelnden Arzt.

Artificial intelligence (AI) is no longer just a buzzword in financial services. From lending to fraud detection to customer service, AI is steadily finding its way into community banks and credit unions. But for leaders, boards, and compliance teams, one pressing question remains: how do we adopt AI responsibly?In this episode of the Banking on Data podcast, host Ed Vincent sits down with Beth Nilles, Director of Implementation, who brings more than 30 years of banking leadership across lending, operations, and compliance. Beth offers practical guidance for financial institution leaders who may be exploring AI for the first time - or wrestling with how to scale responsibly without falling behind on regulatory expectations.Follow us to stay in the know!

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin divides this episode into three segments. He first interviews Eddie Tettevi, Sandbox Mutual Insurance CRO and RIMS Canada Council Chair — DEI and Comms, about his risk career and his service on the RIMS Canada Council. In the second segment, Justin interviews Janiece Savien-Brown, Metro Vancouver, and Shaun Sinclair, BCIT, about the C2C Challenge and the winning student team. The third segment is a recording of "Intentional Mentorship," an improvised session from the DEI Studio, featuring Dionne Bowers, Co-Founder & Chair of the Canadian Association of Black Insurance Professionals (CABIP), Ray Chaaya, Head of talent for Zurich Canada, and Natalia Szubbocsev, Executive Vice President at Appraisals International Inc.   Listen to learn about some exciting events of the RIMS Canada Conference 2025.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This episode was recorded live on September 15th, 16th, and 17th at the RIMS Canada Conference 2025, at the Telus Convention Center in Calgary. We had a blast! We will relive the glory of the RIMS Canada Conference in just a moment, but first: [:50] 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. [1:07] On November 11th and 12th, my good friend 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 enjoy deep discounts on virtual workshops! [1:26] 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. [1:37] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [1:50] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:07] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:20] On with the show! It was such a pleasure to attend the RIMS Canada Conference 2025 in Calgary. There's always electricity in the air at RIMS Canada, and I wanted to capture some of it!  [2:33] We've got two interviews, and then an improvised session I recorded at the DE&I Studio. The sound came out great, and I used it here with the panelists' permission. [2:49] We've got excellent education and insight for you today on RIMScast! My first guest is Eddie Tettevi. He is the Chief Risk Officer at Sandbox Mutual. He's a very active member of the Saskatchewan RIMS Chapter and a member of the RIMS Canada Council. [3:11] We're going to talk about his risk management career, his RIMS involvement, and how his insights from one of his RIMS DE&I sessions led to this discussion. [3:24] First Interview! Eddie Tettevi, welcome to RIMScast! [3:38] Eddie is the Chief Risk and Compliance Officer at Sandbox Mutual Insurance. He's also the Corporate Secretary, which means he helps the organization navigate strategic initiatives within the boundaries of risk appetite and regulatory compliance. [4:12] Eddie has been at Sandbox for approximately two years. When he joined the company, Sandbox was going through a period of rapid growth and taking the right risks. That was something Eddie looked forward to being involved in. [4:54] The CRO role was not an independent role at Sandbox before Eddie started. It was held by the Chief Financial Officer. The CCO role was held by HR. The Corporate Secretary role was held by the CEO. Eddie fills the three roles in his new position. His background fits all three roles. [6:06] Eddie normally leads a risk group of three. Eddie was previously in cyber for 13 or 14 years. His background is in electrical engineering and computer science. He helped organizations secure their software and network. [7:02] Eddie doesn't think risk management is any different. He's helping organizations make the right decisions. The difference is that the portfolio is much larger. Cybersecurity is one aspect of Eddie's risk management work. [7:33] Eddie says cyber attacks are growing. Individuals who may not be skilled are using AI tools to perpetrate cyber attacks. The attacks are increasing exponentially in skill and sophistication. [8:09] Eddie co-hosted a session in the DE&I Studio with Aaron Lukoni and Tara Lessard-Webb, focused on understanding how mental health plays a part in risk management and how organizations should think about mental health as part of a risk management framework. [8:31] The session was “Building Resilient Workplaces, the Role of Mental Health in Risk Management.” In it, Eddie revealed he is skilled in multiple languages, but an expert in none, including English. He grew up with influences from English, French, Malay, and Creole Patois. [9:38] Eddie loves learning about new cultures. That has influenced his accent. In every language he speaks, he has an accent, which makes it interesting. He has worked in French and English organizations. He learns languages in six months. He picks them up quickly. [10:50] Eddie, Aaron, and Tara emphasized making sure we are thinking about and embedding mental health in our risk framework. [11:02] When designing any strategies and initiatives, risk professionals should consider what's happening in the organization. An organization going through a lot of change is already a stressed organization. You have to consider that as you introduce more change. [11:40] Eddie says the award-winning Saskatchewan RIMS Chapter is exciting. It's great to work with people who are interested, dedicated, and committed. He says the chapter is doing some incredible things, such as introducing risk courses into the universities in the province.  [12:15] Eddie was a RIMS member before joining Sandbox. You can be a RIMS member without joining a chapter. Moving to Saskatoon created the opportunity for Eddie to join the Saskatchewan RIMS Chapter, which he had been looking forward to, to connect with people. [12:36] Justin gives shoutouts to various Saskatchewan Chapter members. [13:03] Eddie serves on the RIMS Canada Council as Chair of the Communications, External Affairs, and DEI Committee. [13:22] The committee is responsible for making sure that all RIMS communications have a DEI lens and advocate for the risk community, partnering with other advocacy groups around Canada. [13:52] Justin says it's been such a pleasure to meet you and hang out with you! I look forward to seeing you at more RIMS Canada and RIMS events. [14:02] Our next guests organized the 2025 C2C Coast to Coast Challenge. This is a competition for risk management students based in Canada. We'll learn about the case studies and what it took to produce their presentations, and also have a chance to acknowledge the winners. [14:19] We will hear from Shaun Sinclair, the Program Head of General Insurance and the Risk Management Program at British Columbia Institute of Technology, and Janiece Savien-Brown, the Manager for Risk and Claims Management at Metro Vancouver. [14:35] We're going to learn about their various roles, as well. Let's get to it! [14:39] Second Interview! Shaun Sinclair and Janiece Savien-Brown, welcome to RIMScast!  [14:47] Janiece Savien-Brown is the Manager of Risk and Claims Services with Metro Vancouver by day. She has been involved with BCRIMA for 17 or 18 years. BCRIMA started the Coast 2 Coast Legacy Challenge three years ago. Last year was its first year in Vancouver. [15:07] Shaun Sinclair is the Program Head of the General Insurance and Risk Management Program at BCIT, an institute of technology in Vancouver and Burnaby, B.C. [15:17] They teach students insurance and risk management courses. Students graduate with a CRM and a Chartered Insurance Professional designation. [15:26] Shaun is also the President of BCRIMA this year. He has been a BCRIMA member for a long time. This C2C Legacy Challenge was awesome for Shaun because two teams from BCIT got into the finals. Shaun had to recuse himself.  [15:51] Janiece says the RIMS Canada Conference 2025 was fantastic! Shaun was there with seven students, and it was awesome to see what they were learning. The students told Shaun they loved everything about it. [16:45] The two finalist teams were The Deductibles and Insure and Conquer. This year's submissions were highly creative and impactful. [17:10] Shaun has been involved in Risk Management Challenges for years and has been to the nationals several times with groups. Shaun stays pretty hands-off. The students get the challenge, and Shaun discusses it with them. He figures out what they need from him to do it. [17:42] In this case, a root cause analysis wasn't needed. They learned how to do a Failure Mode and Effects Analysis (FMEA), a heat map, and gather general knowledge. Then he let them go. They came up with the 10-page report. He didn't watch their presentation until they went live. [18:14] Their champion for the challenge was Ken Letander. The challenge was a procurement question. If your organization's ownership is 51% Indigenous, and you keep your staff 33% Indigenous, money comes your way for contracts. [18:48] When the contract is over and it's time to get the money, but the organization refuses to give that information, how do you make sure they have the 33% Indigenous staff and 51% Indigenous ownership? Do you need pictures, or can you use Elders to say it's enough? [19:12] The students had to read a lot about risk and the rules and regulations regarding this question. They had to read the Canadian government's language on what the rules are. It was an interesting case. [19:38] Janiece didn't envy them at all. The students came up with some solutions for Ken Letander, and he was thrilled with what came from all of the reports. [20:33] Janiece says the presentations were phenomenal from both teams, as well as the written submissions. The collaboration came through and showed they owned the essence of the project. You could see the desire of the top team to make it work. [21:12] Shaun says the cases used in C2C are pretty much real cases. Janiece says last year's case competition had to come up with an equitable access tool to use in the system. After Janiece had surgery, she was given a survey, and she recognized it from the case study. [22:26] Justin says it's great that the students collaborate. You need teamwork. [22:54] Shaun says you hear a lot about isolation. He says BCIT is sometimes called “Being Crammed Into Teams.” Shaun and the other teachers assign projects where students are forced to work with at least three or four people. [23:13] After two years of group projects, collaboration is relatively easy. Shaun also makes the students hand-write their exams. They learn how to think through a problem and put it down on paper. Afterward, they go outside and talk about what they did. [24:52] Shaun's advice to academics and students entering a C2C challenge is to follow the rules. If they say 8-point font, 10-page maximum, don't send 14 pages. The instructor should help students understand the material and then step back. Let the students do it. It's on them. [25:42] Janiece says it is key to engage at the conference. While the Challenge is the key feature, the experience at the RIMS Canada Conference is a large part of it. Be present. Don't be on your phones the whole time. Attend sessions. Come to the events, have fun, and network. [26:07] Janiece was at an event, and five people came up to her and asked if she had brought the BCIT students (Shaun had). [26:22] People were absolutely amazed at how engaging the students were, willing to put themselves out there, and setting meetings with people in BC for opportunities when they come back. That's part of the experience. [26:40] Shaun points out that a couple of the students are quite shy and have come out of their shells because they've had to talk to people. The more you do it, the better you get at it. [27:01] Janiece reports that at one of the events, the students who were in Vancouver from Calgary came out and met with her students. RIMS, RIMS Canada, and the local chapter promote engagement. [27:31] The 2025 C2C Challenge Calgary winner is The Deductibles, 1.95 points ahead of Insure and Conquer. Insure and Conquer did an awesome job as well. [28:11] The Deductibles team is: Rabia Thind, Triston Nelson, and Ryan Qiu. [28:32] Parting advice for risk students as they step into their careers: Shaun says, if you're going to be an accountant or finance student, think about insurance risk management. Amazing career opportunities in fields that cover everything are all within your grasp. Put it on your radar. [29:26] Janiece says she is living proof of that. She was going to be an accountant. After a car accident, she switched to insurance and risk. It's a lifestyle. She has gained many friends, colleagues, and mentors. She started as an adjustor and after 31 years, she's still in the industry. [29:54] Shaun says you can swap jobs from broker to underwriter, to claims, to risk manager, to education, and not start again at the bottom. It's an amazing career. [30:26] Justin says Thank you so much, it's been such a pleasure to reconnect with you here at the Telus Convention Center in Calgary, for RIMS Canada Conference 2025. Shaun and Janiece are already thinking about the C2C Challenge in 2026. We'll see you there! [30:51] As I said at the top, we're going to close things out with an improvised session called “Intentional Mentorship,” which was produced at the DE&I Studio. [31:19] Improvised Session, “Intentional Mentorship,” at the DE&I Studio! With the insights of Dionne Bowers, the Cofounder and Chair of CABIP, Ray Chaaya, the Head of Talent at Zurich Canada, and Natalia Szubbocsev of Appraisals, International. Please enjoy! [31:40] Natalia Szubbocsev introduces the panel. Natalia is the Executive Vice President at Appraisals, International, an insurance appraisal company, global but small, with a diverse, inclusive team. Natalia has been a mentee and a mentor and is glad to contribute her insights. [32:38] Dionne Bowers is the Co-founder and Chair of the Canadian Association of Black Insurance Professionals, a nonprofit organization, and has recently joined Markel Canada as one of their business development Colleagues. [32:57] Ray Chaaya is head of talent for Zurich Canada. Ray oversees talent acquisition, talent development, and talent management, as well as the culture portfolio for the company, DEIB, and community impact. [33:15] Natalia asks What does mentorship, particularly inclusive or intentional mentorship, mean for you? Dionne says that it is a strong commitment by both the mentor and the mentee to work together for growth opportunities. [33:38] Intentional mentorship is the dedication that each party has to bring to the table, and fulfilling any sort of mandates that have been asked by both. Depending on the program, it's making sure that everyone is on the same page in terms of what they want from each other. [34:04] Ray agrees with Dionne. There has to be a mutual benefit. Ray has been a mentee and a mentor, and finds that the most valuable mentorship relationships are where the mentor and the mentee walk away feeling like they're learning something every day, having a conversation. [34:30] Ray says it's a two-way street and a relationship that can often last for years, because it is a relationship where the value is long-term. Ray talks to young people, and they ask, You're my mentor, what do I do? It doesn't work that way. It's a long-term investment. [34:56] Natalia says that traditional mentorship, besides being one of the best ways of professional development, is also to transfer knowledge from someone who has the experience to someone junior in his or her role. What other purpose does mentorship serve? [35:19] Dionne says it's also recognizing that it's an opportunity for learning from one another. A mentor is a seasoned insurance professional who is working with someone who is a new entrant to the industry. [35:37] It's recognizing that a mentor and a mentee are learning from each other. Strength in development is making sure that you are taking away something from each other, each time you meet, connecting and learning trends and thoughts, and diversity of thought. [36:10] Dionne asks, How can we do things differently? She has learned a lot from young people. Dionne thought she was cool, but apparently, she's not. And she's just taking away a lot of that into her own world, professionally and personally. [36:23] Natalia says her experiences are not just intergenerational, but in Canada and beyond, intercultural. She says what needs to be respected and adapted to, both by the mentor and the mentee, is that you're coming from different backgrounds. [36:45] In a global setting, that will affect communication, that will affect the thought processes, that will affect everything; the way we do things. Because Natalia leads a global team, she has to be adaptable, sensible, and respectful of the cultural nuances. [37:07] At the same time, she asks her mentees or team to do the same for her, because she comes from a very specific background. She has an Eastern European background. It doesn't matter that she's lived in Canada for 25 years. [37:25] Her background defines the way she communicates, thinks, and handles things. Every culture communicates differently. That's an overall mutual understanding, knowing that we all come from different backgrounds. [37:47] Dionne says there has to be a willingness to learn. There's no point in having a mentor-mentee relationship where it's just going to be closed off, and this is what we're going to talk about. There has to be a willingness to learn. [38:07] Ray says there's a learning agility piece. You have to be flexible in how the relationship is going to go. Every mentorship relationship is different, too. There are no steps on how to be a good mentor or a good mentee. [38:25] It's the chemistry between the two, the value that you bring to each other, and the conversations. The maturity of a mentorship can also go into sponsorship. [38:37] When Ray has a conversation with somebody, and they get to know each other, and feel what they want to get out of this, he can be a voice for that person. It goes back to the conversation of lifting others when you can. [38:54] When Ray thinks back to his mentors who stick out in his mind. He has a lot of respect for them. They are the people who spoke about him when he was not in the room, and had his back in that room when he was not there. [39:15] Those are the people, as Ray matures in his career, he doesn't know that he would be here today if it weren't for those mentors. And that is what he hopes he can bring to somebody else as a mentor. [39:29] Natalia says, in a global setting where she works, boosting confidence is very important. In a multicultural global setting, it's important to encourage someone in a different country, who communicates differently, that it doesn't matter, they can do it. [39:50] We are working on a common goal. That's part of the sponsorship/mentorship/training. [40:08] Ray says you have to be honest as a mentor. The toughest times for Ray were when he realized he was trying to make this work for a person, but to be honest with himself, as a mentor, he should be encouraging this person to look somewhere else, at what their passions are. [40:33] He went into it thinking he wanted this person to be the best they could be at this job. And he realized that's not his job as a mentor. [40:43] His job is to understand what they want out of their career, where they bring value, where their passion is, and guide them to make sure that they ultimately are happy with their career, and they're bringing value to society, and they're contributing to the community. [41:06] One specific person Ray was mentoring, he was desperate to fit them into the insurance industry, because that's how he was programmed. He was thinking, Why is this not working? And he realized it's not working because they don't want to do this. [41:25] And as a mentor, Ray's job now is to say, What do you want to do, and let's help you get there. And when he made that mind shift, it just clicked. That was a little bit of a learning opportunity. Now he's a better mentor for learning that. [41:42] Dionne agrees with that. She had one mentor who told her, If you plan to give back as a mentor, don't have any expectations, or you're setting yourself up for failure. [42:05] A lot of mentors have a similar approach, because we don't know. We want it so badly. We want to be able to say, I did that. I helped them get to wherever. If you have a mentee who is not in the mindset, and you're not sure that this is for them, have that conversation. [42:38] It's important to recognize that you're going to impact their lives differently. Even though you have that mentor-mentee relationship, you may be asking them to reconsider dipping their foot into the industry. [42:55] Natalia says not making assumptions about the other person and having that curiosity, openness, and mutual communication is very important. [43:05] How do you build in mentorship or inclusive or intentional mentorship into your organization? Ray says mentorship programs should be part of any industry, any corporation, or any organization. If you expect people to learn and grow, they need mentors. [43:30] Ray says Zurich has baked in mentorship programs into a lot of its development programs. Your development means you get a mentor, and you learn from that mentor. They bake it into the development strategy that's already there, and don't make it an off-site thing. [43:57] It shouldn't be another thing; it should just be part of your growth and development. And so, whenever they can bake it in, that's what Zurich does. [44:04] Zurich also has amazing employee resource groups that champion a lot of its programs, and the Zurich African and Caribbean Alliance, ZACA, which has worked with KBIP, is a massive champion of its mentorship program. [44:19] Just two or three months ago, Zurich held a mentorship day and increased the mentors on its mentorship platform by 48%. It was just another thing that was out there that nobody was talking about, and another thing people had to sign up for. [44:39] Zurich's employee resource group put a spotlight on it, and they showed the value, and they made it part of the ERG's culture to participate in mentorship. Then all of those ERG participants signed up to be mentors, and now are actively mentoring. [45:00] You really need to look at it from a strategy perspective. It can't just be an extracurricular activity that you add on. [45:08] Dionne agrees. KBIP works with organizations like Zurich, and with the ZACA program and the team, but also does the work for organizations that are not there yet or not willing to put the extra effort in to embed it into the DNA of the organization. [45:33] Part of KBIP's mandate is to create a mentorship program specific to Black insurance professionals. It doesn't matter where you're from, international or domestic student, or anyone who wants to be part of the organization and get extra support to build on their career trajectory. [46:02] What do mentors get out of mentorship? Dionne says as a mentor, she gets satisfaction from seeing someone excel, not necessarily from start to finish. You could be at the tail end of their journey, you could be at the beginning, or you could be in the middle. [46:36] If there is a desired outcome for both parties, and there's success, when someone calls you or texts you and says, You know what, I got that job, or I was recognized for doing XYZ, that is satisfaction. That is success. [47:00] Ray says his passion is helping people grow and develop. He started his HR career in learning and development, because he used to be intrinsically rewarded when he saw somebody learn something he taught them, or he trained them on. That felt like a superpower. [47:21] When Ray can do that with the programs Zurich runs, and he interviews people and watches their growth, and they are so grateful; to Ray, that is worth it all. You don't even have to pay him for that. He will volunteer and do that his entire life because of what he gets out of it. [47:47] Natalia agrees. There are obvious advantages from an organizational point of view, but from an individual point of view, Natalia feels that she has arrived at a point where there's no ego anymore. She wants to transfer her knowledge to someone. [48:04] Natalia wants to tell someone that they can do it. Because she did it, they can do it as well. And that's a very important aspect of mentorship. [48:15] How do you make mentorship intentional and inclusive? Ray says it means they have to see the value. It has to be part of the business strategy. Anything that is not intentional, people think, Why do I have to do this, on top of everything else that I need to do? [48:36] The second we are making it intentional, it has to make sense. This is why I'm doing this, because it's going to benefit me, it's going to benefit the company, and it's going to benefit the people I'm impacting. [48:47] They have to see the strategic business value, and with mentorship, it's easy. Because there's massive value for the organization, there is a massive competitive edge if you're doing it properly, and there is massive learning and development for your workforce. [49:05] You just need to sit down with professionals like KBIP, with people who have thought through it, and understand how to help you bake it into the strategy. Just do the work. Anything intentional has to make sense. If it does not make sense, it can't really be that intentional. [49:28] Dionne says that in every organization, when you are constructing your missions and your value statements, it's sitting down as an executive team, and asking, How can we execute on this? What does that mean? Mentorship is something that bleeds into your brand. [49:57] The brand recognition from a competitive edge standpoint is huge. Dionne says she can walk into a school for outreach programs and say, Zurich is a market of choice. You would want to work with Zurich because of this, this, and this. [50:14] If you can tell them that they're going to be supported along the way with their career, that's added value. That is something that will definitely differentiate Zurich in the marketplace. [50:26] Dionne adds that being intentional is huge because when you are not, people can see right through that. That is where you create toxic cultures. [50:39] It's not in a company's best interest to ignore the opportunities that stem from mentorship programs. [50:47] Natalia says she's not an HR professional, but she imagines that mentorship has a great role in not just attracting the right talent, but in retention as well. [50:58] Ray affirms, 100%. It's part of your growth and development. Sure, you can use it as a competitive edge to attract people, but if you're not doing it right, then they're not going to develop and grow, and that competitive edge is really just smoke and mirrors. It's not real. [51:15] So, if you're going to do it right, you have to develop people and grow people through your mentorship programs, and you have to show the results for it. [51:26] Dionne adds, That speaks to the inclusivity part of diversity, equity, and inclusion. If you can build a strategy that equates to inclusion, it equates to retention. It's not rocket science.  [51:49] Ray says Zurich is really good at that. [51:52] Final thoughts on intentional mentorship. Dionne says, “Just do it. I'm a Nike gal. Just do it.” [51:59] Ray says, “I wouldn't be where I am in my career if it weren't for my mentors and my sponsors. And so, if you see potential, mentor the heck out of that potential, because they will thrive.” [52:15] Dionne says, “And acknowledge it. I think that's a big part of that strategy.” [52:21] Natalia thanks Ray, Dionne, and the RIMS DE&I Studio for picking up this topic, a very important topic, and she hopes you enjoyed the session. [52:38] Justin says special thanks again to all of our guests here at the RIMS Canada Conference 2025. Be sure to mark your calendars for October 18th through the 21st, 2026, for RIMS Canada, which will be held in Quebec City. [52:55] Shout out to the RIMS Canada Council for producing another fantastic conference and to the RIMS Events Team and all my RIMS colleagues who worked tirelessly to make the last three days so smooth. It's such a pleasure to work with you all. I look forward to seeing you next year. [53:14] 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. [53:43] 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. [54:02] 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. [54:19] 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. [54:35] 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. [54:50] 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. [55:02] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: From RIMS Canada: “RIMS Ontario Chapter Honours Bombardier's Daniel Desjardins with the 2025 Donald M. Stuart Award” RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now RIMSCanadaConference.ca RIMS Webinars: RIMS.org/Webinars “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “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: RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule Risk Appetite Management | Oct 22‒23 | Instructor: Ken Baker “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 with 2025 RIMS Canada keynotes: “Distilling Risk and Resilience with Manjit K. Minhas” “On Resilience with Amanda Lindhout” “Thoughts and IDEAs on Inclusivity with Michael Bach”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “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   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: Eddie Tettevi, Sandbox Mutual Insurance CRO RIMS Canada Council Chair — DEI and Comms Janiece Savien-Brown, Metro Vancouver Shaun Sinclair, BCIT "Intentional Mentorship" improvised session from the DE&I Studio, featuring: Dionne Bowers, Co-Founder & Chair of the Canadian Association of Black Insurance Professionals (CABIP); Ray Chaaya, Head of talent for Zurich Canada; Natalia Szubbocsev, Executive Vice President at Appraisals International Inc.    Production and engineering provided by Podfly.  

Bewegung ist gut für den Körper – zu wenig oder zu viel können der Gesundheit aber schaden. Darum ist es wichtig, das richtige Mass für sich zu finden. Woran man merkt, dass es zu wenig Bewegung ist? Der Körper verändert sich. Das zeigt sich nicht nur an einer Gewichtszunahme, man fühlt sich auch nicht mehr wohl, unausgeglichen: «Wenn sich die Haut verändert und die Vitalität sichtbar zurückgeht, dann ist es sicher zu wenig», sagt Sportlehrer und Fitnesstrainer Savo Hertig. Zu viel Sport bedeutet: Man übernimmt sich. Bei zu viel Kondition- oder Krafttraining werden Sehnen, Bänder, Muskulatur oder Gelenke beeinträchtigt. «Wenn sich die melden, ist es meistens schon zu spät», sagt Fitnessexperte Savo Hertig. Das merkt man auch an Ermüdungserscheinungen. Am gesündesten ist bei der Sport-Routine die Abwechslung von verschiedenen Trainings: Ausdauer und Kraft. Und auch Pausen machen ist wichtig, damit sich der Körper regenerieren kann.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Dan Chuparkoff, the CEO and founder of Reinvention Labs, about his risk career, from an insight at age 17, leading at tech giants, to founding a startup to help organizations reinvent themselves with AI. Dan asserts that if you're not keeping up with AI, you're falling behind your industry. Dan previews his upcoming November 17th opening keynote address at the RIMS ERM Conference 2025 in Seattle, Washington.   Listen to learn more about AI, innovation, and staying ahead of the competition.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. We will be joined by the CEO of Reinvention Labs, Dan Chuparkoff. Dan will deliver the opening keynote at the RIMS ERM Conference 2025 on November 17th in Seattle, Washington.  [:47] We will get a glimpse into Dan's risk philosophies, when it comes to AI and innovation, and get a preview of his keynote. It's going to be a lot of fun! [:55] RIMS-CRMP Workshops! 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 on the Certification Page of RIMS.org and through this episode's show notes. [1:16] 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. RIMS members enjoy deep discounts! [1:33] 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. [1:44] Several RIMS Webinars are being hosted this Fall. On September 18th, Origami Risk will present “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration”. [1:57] On September 25th, we will have a special webinar, hosted by Merrill Herzog, about active shooter preparedness in 2025 and beyond. That session will be complimentary for members and nonmembers. So, be sure to put that on your calendar for 1:00 p.m. Eastern Time. [2:16] On October 9th, Global Risk Consultants 07returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:25] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. [2:33] On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:42] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:54] On with the show! As you know, the RIMS ERM Conference 2025 will be held in Seattle, Washington, on November 17th and 18th. Our guest today will be kicking off the conference with his keynote, “AI and the Future of Risk Management.” [3:11] His name is Dan Chuparkoff, and he is the CEO and Founder of Reinvention Labs. He's going to talk to us all about innovation and how AI can enrich our risk management processes. This conversation today will be a preview of what he will bring to the stage in Seattle. [3:30] Be sure to visit the link in this episode's show notes to register. You can also visit RIMS.org/Events and click on the ERM banner. I had such a great time recording this interview, and I know you are going to love it. Let's get to it! [3:43] Interview! Dan Chuparkoff, welcome to RIMScast! [3:52] Dan is super excited for this conversation. He says he doesn't always get this chance before an event to dig into some of his thoughts about the event and the industry. [4:37] Dan had a meandering career. He worked for 32 years in technology. He worked for some massive organizations, a 100-year-old company, McKinsey, some new startups, more mature startups like Atlassian, and Google. [5:15] Working for major enterprises and new startups, Dan got exposure to risk management perspectives from both extremes. He built a blend of how he thinks about risk that mixes the best of both worlds. That has helped make him successful. He'll talk about that in his keynote. [5:44] Dan brings some things he learned from nimble startups about experimentation, and keeps his eye out for the pitfalls that are coming in the future, which the major enterprises had more risk awareness to avoid. [6:08] Dan worked alongside risk managers, who were the Chief Legal Officer, or even the CEO, to figure out when they were taking smart risks and when they needed to stop doing something they had started. [6:40] Dan learned of Enterprise Risk Management while working at a marketing services software development agency. They were building software for global enterprises. As they built software, the enterprise would have a review board evaluate it for quality and policy adherence. [7:09] From 2002 to 2010, Dan got real exposure to global risk management. He learned things like the risk philosophy of European countries and the European Union, as it differs from American risk philosophy.  [7:35] Dan notes that the risk management profession tunes you to be a systems thinker, not just a siloed thinker. You're not just thinking about what your team is doing, but you're thinking of the downstream ripple effects of every decision that you make. [7:53] As you become a leader in charge of more of the organization, systems thinking prepares you to understand the ripple effect of your decisions and think about how decisions need to be coordinated across the different streams of the organization. That makes you a great leader. [8:40] About 15 years into Dan's career, he realized there were some things he knew deeply and was really passionate about. When those things came up in meetings, he was outgoing. He stood up and marked on the whiteboard. [9:06] He had this passion, and he knew it would be helpful to share it. Before he started thinking about audiences and microphones, he started thinking about the content he was passionate about. That content was about people's ability to change and adapt to new technology. [9:29] Technology changes all the time. New technology is confusing and filled with risk. At some point, you have to get on that new bus, or the organizations in your industry will pass you by. Dan became excited about that. It became easier for him to talk in bigger groups. [9:54] One day, Dan found himself onstage at a Gartner conference in front of 800 people, and that was the beginning of a journey he says is now the best job in the world. [10:34] RIMS Events! On September 18th, the 10th Annual Chicagoland Risk Forum will be held at The Old Post Office in Chicago. Register at ChicagoRIMS.org. [10:49] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [11:06] 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 registering by September 30th. [11:21] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle. Do not miss out on this chance to plan and score some extra perks. [11:34] 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. [11:46] Let's Return to Our Interview with ERM Conference Keynote, Dan Chuparkoff!  [11:58] Justin asks how Dan's experience of building and leading teams at Google, McKinsey, and Atlassian, delivering software to billions, informs his current approach as the CEO of Reinvention Labs to helping organizations reinvent work with the power of AI. [12:15] Dan was an intern at an architecture firm when he was 17. One architect had AutoCAD, and all the others were drawing on paper. The architect with AutoCAD used copy-and-paste to accelerate his work. That changed the way Dan looked at technological change. [12:39] From the age of 17, Dan started looking for those copy-and-paste moments. He found them, over and over again. Spreadsheets improved our analysis. The internet improved our ability to look for information. AI improves our ability to juggle more data than before. [12:58] All those things were coming at a predictable cadence. It takes about five years for new technology to become part of the infrastructure. Dan realized that you have about five years to tackle something new before the next new thing comes at you. [13:21] People wait for the dust to settle. They don't start figuring out how to build this new thing into the way they work. You'll get passed by. You'll be working too slowly, and your customers will expect more of you. Or you'll do it too quickly, make mistakes, and create unnecessary risk. [13:44] Figuring out how to manage these five-year cycles of change became Dan's strength. [13:57] Dan will expound on his copy-and-paste moments in his November keynote. This was a preview. It was the moment that changed the way he thought about tools and technology, and their impact on the way we work. [14:23] Justin says Dan takes complex topics and makes them simple and useful for a non-technical audience. Dan says a lot of people are talking about AI now. [14:52] AI is an umbrella term that includes a lot of things. It's on the level of “math.” You don't say, “We're implementing math at work, right now.” Math is part of everything we do. [15:09] One of the things Dan helps people do is to start breaking AI down. Are we talking about a chat interface on top of our customer service knowledge base? Are we talking about a sophisticated AI image-recognition system to look at MRI scans? Those are different things. [15:29] They're both using AI, but as you're evaluating the risk of AI features, AI deployment, and AI use cases, it will be helpful to understand the difference between a chatbot, image recognition, and AI-based research. They all have different amounts of risk. [15:49] If you try to have a single AI policy that covers all those things, it will be challenging. That's how Dan helps to break it down. [16:14] Dan will have 60 minutes for his keynote. He will spend 45 minutes covering content he thinks is important for risk management professionals and about 15 minutes of open Q&A. He will also be around all day, if people want to talk to him in the hallway or at lunch. [16:44] Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [17:03] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [17:20] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [17:33] Let's Conclude Our Interview with ERM Conference Opening Keynote, Dan Chuparkoff! [17:53] Dan says the fundamental and most important thing to remember is that AI shouldn't make your decisions for you. Ask AI for 10 things that you should do, and you decide which one of those things is the right thing. You have a lot of things in your head that AI doesn't know. [18:20] You have things you remember from your first job, the things you remember your mother telling you when you were nine. Those things influence your decisions, and AI doesn't know any of them. Always use AI as a recommendation and make your own decisions. [18:43] Dan almost always says to give him 10 of whatever he is looking for. Some answers are too conservative, some are too risky, and some can work. No one is good enough at prompt engineering to put all the context in. Dan asks for choices and picks the one that feels right. [19:43] Why is there a gap between crafting an AI policy and putting it into practice? Some people are creating policies with a different level of understanding of what AI is capable of doing and what it is not. Sometimes, policies are just early in their maturity. [20:17] Three years from now, it will be a better policy that understands some of the discrepancies a little bit more, and that gap will start to close. [20:25] Some people have policies, and their people are ignoring them. When ChatGPT came out in November 2022, students started using it for homework. It became a part of their lives. They didn't stop using it when they went to work, regardless of the company policy. [21:14] There's a shadow AI use at a lot of organizations. The more your AI policy is crowdsourced, and you're asking your people what they need, what they want, and what they're doing already, the better your policy will match what's happening in your organization. It evolves. [21:44] Dan adds that email is already susceptible to IP leakage, but because of user training and judgment, people in the organization know what data to keep out of the email system. With training, people will learn what data to keep out of the AI system. [22:48] The best add-on to email, according to Dan, is sending calendar invites. Justin says the best add-on is scheduled send. He loves how people think he sends an email at 5:01. Dan says an AI tool, Fixer, will draft a reply to every message you get, and you can send or edit it, or not. [24:00] Dan foresees AI-powered email things that will be life-changing. Justin says Google will already generate a message for you if it's something simple. [24:37] Dan says before every keynote, he tries to get a deep understanding of the audience and what they care about. He goes through their website, watches videos, reads blogs and articles, and listens to podcasts. All those things influence the research and the content he brings. [25:04] What Dan will do for his keynote is dig into the ways AI is changing the work that risk management professionals are doing now and how that will continue to change over the near term. [25:15] Dan won't talk about 20 years from now, but about six months to three years from now, what that's going to look like, so that people can start anticipating the future and building a safe, risk-controlled future that they're trying to build. [25:38] I'm looking forward to it. You've been a wonderful guest. You've piqued the interest of a lot of our audience, and we hope they'll make it out to Seattle on November 17th, when you kick off the conference for us. [25:56] Dan looks forward to hanging out with everybody in Seattle. His parting advice is to tell AI, “Give me one thing every Monday that I should learn about AI.” Every week, you'll be a little smarter about AI. You don't have to do the things, but they're little nudges along your AI journey. [26:30] Special thanks again to Dan Chuparkoff for joining us here on RIMScast. We are so excited for him to kick off the RIMS ERM Conference 2025 in Seattle, Washington, on November 17th. The registration link is in this episode's show notes, or visit the Events page of RIMS.org.  [26:50] We want to see you on November 17th and 18th. We will have more ERM Conference presenters on RIMScast in the next six weeks. Be sure to subscribe to RIMScast through your favorite podcasting app and catch all the risk management goodness! [27:05] 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. [27:34] 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. [27:52] 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. [28:10] 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. [28:26] 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. [28:41] 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. [28:53] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. 10th Annual Chicagoland Risk Forum — Sept. 18 | Registration open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! Spencer Educational Foundation 2025 Funding Their Future Gala — Sept. 18, 2025, in NYC! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now RIMS Webinars: RIMS.org/Webinars “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration” | Sept. 18 | Sponsored by Origami Risk “Active Shooter Preparedness” | Sept. 25 | Sponsored by Merrill Herzog | Complimentary for all “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “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: RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule “Risk Appetite Management” | Oct 22‒23 | Instructor: Ken Baker “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham “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: “Tom Brandt on Growing Your Career and Organization with ERM” “Risk and Clarity with Huw Edwards, RIMS Texas Keynote” “James Lam on ERM, Strategy, and the Modern CRO” “AI Risks and Compliance with Chris Maguire” “Change Management and Strategy with Jay Kiew, RIMS Canada Conference 2024 Keynote” “(Re)Humanizing Leadership in Risk Management with Holly Ransom” “AI and Regulatory Risk Trends with Caroline Shleifer” “Live from the ERM Conference in Boston!” (2024)   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) 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 “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “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   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: Daniel Chuparkoff, CEO and Founder at Reinvention Labs   Production and engineering provided by Podfly.  

Alle Informationen zur Carnivoren Ernährung unter www.carnitarier.de. ______________________________________________ Herzlichen Dank an unsere WERBEPARTNER: www.carnivoro.eu: Supplemente rund um die Carnivore Ernährung Mit dem Gutscheincode CARNITARIER erhältst du 10 % Rabatt auf deinen ersten Einkauf! Affiliate Link: www.carnivoro.eu/carnitarierinwww.kaufnekuh.de: Fleisch aus artgerechter Haltung mit fairen Preisen für Landwirte Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf ab 50 €. www.mindful-meat.com: Hochwertiges Hirschfleisch aus den Wäldern Deutschlands. Mit dem Gutscheincode CARNITARIER erhältst du 10 € Ermäßigung auf deinen Einkauf. www.pemmican-shop.de: Europas einzige originale Survival Beef Bar – Made in Germany. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen ersten Einkauf.www.theminerals.de: Beste Elektrolyte für die Umstellung auf Keto und für Carnivoren, die viel Sport treiben. Mit dem Gutscheincode CARNITARIER erhältst du 10 % Ermäßigung auf deinen Einkauf. _________________________________________Folge 201: Ein Leben nach Carnivore - Claire Koenig im InterviewClaire Koenig, meine Co-Autorin des Handbuchs der Carnivoren Ernährung berichtet über ihre aktuelle Ernährungsweise. Auch wenn sie nicht mehr rein Carnivore lebt, ist Morbus Crohn heute kein Teil ihres Lebens mehr. Mit der bewussten Auswahl von Lebensmitteln und auch der Achtsamkeit gegenüber ihrer Psyche ist sie seit Jahren frei von Symptomen ihrer angeblich unheilbaren Erkrankung.Mit dem 1,2,3-Schubfrei-Programm hilft sie anderen Menschen bei der Bewältigung ihrer Darmerkrankungen. www.123schubfrei.deClaire könnt ihr auch über ihre Homepage erreichen www.gesund-erklaert.de.Auf Instagram findet ihr Sie unter @gesund_erklaert_by_claire.___________________________________________Fleischzeit ist der erste deutschsprachige Podcast rund um die carnivore Ernährung. Hier erfahrt ihr Tipps zur Umsetzung des carnivoren Lifestyles, wissenschaftliche Hintergründe zur Heilsamkeit sowie ökologische und ethische Informationen zum Fleischkonsum. Eine Übersicht über alle Folgen findet ihr hier: www.carnitarier.de/fleischzeitpodcastAndrea Siemoneit berichtet nach über sechs Jahren carnivorer Ernährung über ihre Erfahrungen und Erkenntnisse. Außerdem interviewt sie andere Carnivoren und Wissenschaftler.Ihr findet sie auf Instagram unter @carnitarier.deHandbuch der Carnivoren Ernährung: www.carnitarier.eu Haftungsausschluss:Alle Inhalte im Podcast werden von uns mit größter Sorgfalt recherchiert und publiziert. Dennoch übernehmen wir keine Haftung für die Richtigkeit, Vollständigkeit oder Aktualität der Informationen. Sie stellen unsere persönliche subjektive Meinung dar und ersetzen auch keine medizinische Diagnose oder ärztliche Beratung. Dasselbe gilt für unsere Gäste. Konsultieren Sie bei Fragen oder Beschwerden immer Ihren behandelnden Arzt.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Manjit K. MInhas, Calgary-born entrepreneur, engineer, venture capitalist, and Co-founder and CEO at Minhas Brewery, Distillery, and Winery, from the age of 19. Manjit appears on Dragon's Den on the CBC and is a multiple entrepreneur. Justin and Manjit discuss her entrepreneurship journey, how she insists on risk professionals at the table from the beginning of any business, and what her risk philosophy is. Manjit shares thoughts on business resilience and her upcoming opening keynote at the RIMS Canada Conference 2025 on September 15th in Calgary. She offers a Q&A at the end of her keynote.   Listen to learn about startups, innovation, and having risk management at the decision table.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest is Manjit Minhas. You might know her from Dragon's Den in Canada. She's also the Co-founder and CEO of Minhas Brewing and Distilleries. [:45] We will get a sample of her keynote, which will kick off the RIMS Canada Conference 2025 in Calgary, on September 15th. We've got a really fun episode for you today! [:56] RIMS-CRMP Workshops! 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 on the Certification Page of RIMS.org and through this episode's show notes. [1:16] 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. RIMS members enjoy deep discounts! [1:33] 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. [1:44] Several RIMS Webinars are being hosted this Fall. On September 18th, Origami Risk will present “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration”. [1:56] On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:06] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. [2:14] On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:23] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:35] 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 registering by September 30th. [2:49] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle. Don't miss out on this chance to plan and score some extra perks. [3:02] 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 risk network with us here at RIMS. [3:17] On with the show! Our guest today is Manjit K. Minhas, a Calgary-born entrepreneur, engineer, and venture capitalist. [3:28] You know her from the Minhas Brewery, Distillery, and Winery, which has grown into a global empire, with over 90 brands sold across North America and 16 countries. [3:38] You also know her from CBC's Dragon's Den, which premieres its new season, featuring Manjit, in September 2025. Manjit will distill her risk philosophies on reliance and leadership today, here on RIMScast. I'm so excited to have her join us! Let's get to it! [4:01] Interview! Manjit K. Minhas, welcome to RIMScast! [411] Manjit loves risk professionals and loves working with them. She is very excited to speak to risk professionals from many industries at the RIMS Canada Conference 2025. [4:27] Manjit has worked with risk professionals in her companies and through the boards she sits on and the companies she advises or invests in. She sees a variety of talents and skills in risk professionals. They have a technical expertise and a strong foundation in methodologies. [5:01] Manjit says risk professionals identify not just the basic operational and financial risks but strategic risks and mitigation risks. There is so much M&A happening in every sector. Their technical expertise is very important. [5:22] Manjit explains, they are really good at data analysis and modeling, and making that data and a large volume of information into something that matters, that decision-makers can use to make great decisions, and think about the pros, the cons, and sometimes the blind spots. [5:57] The risk officers Manjit hires have her ear. She always likes them to be at the table. She wants their perspective beforehand rather than after. They are good at listening, taking it all in, succinctly communicating, and helping with stakeholder management. [6:18] Manjit believes that with their business acumen and their wealth of knowledge from so many parts of the business, risk managers should be at the table all the time. She wants their input from the outset. [6:42] Manjit believes that more business leaders with that viewpoint are coming up. It's a matter of how long you've been an entrepreneur or founder. Manjit has been an entrepreneur for 26 years. She and her brother started when she was 19. The drinking age in Canada is 18. [6:58] Manjit was studying engineering at the University of Calgary and came up with the idea of getting into the private label spirits business, and a couple of years later, the beer business. They started as a sales, marketing, and branding company, and then got into manufacturing. [7:16] It went step by step. It was not overnight, by any means. She just started young and has been at it for a long time. With that time comes experience, knowledge, and understanding that there are a lot of smarter people than she, that she needs to collect around the table. [7:34] At year four or five, she didn't have the same perspective she has now. Founders and entrepreneurs in early stages are still figuring it out and don't have the resources to have the same perspective as Manjit. As they gain self-awareness, they look to risk professionals. [8:14] As a 19-year-old, Manjit says she had no concept of risk. She didn't have money or a reputation at risk. Now, she has a lot more of those things, plus a list of a dozen more, that are at risk. A young person doesn't think they're risking anything other than time and energy. [8:48] Manjit thinks time definitely makes all of us a bit smarter.  [8:52] The risk professionals working for Manit work under the legal department. [9:42] Manjit talks about her risk professionals. As a business owner, you want to have the confidence that you have someone there identifying risks, assessing the impact, prioritizing risks, developing mitigation plans, and assigning responsibility. The list goes on. [10:18] In this day and age, things are changing so fast, from policy, regulation, and the labor environment. There's a long list of things that companies need to be aware of. They can't just close their eyes. They have to have a plan. [10:47] Manjit is an optimist. She wakes up thinking that where there is a challenge, there is an opportunity. She believes that when things are tough, there are a lot of problems to solve. That's when great businesses are born. Great entrepreneurs are good at solving and discovering. [11:29] RIMS Events! On September 18th, the 10th Annual Chicagoland Risk Forum will be held at The Old Post Office in Chicago. Register at ChicagoRIMS.org. [11:43] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [12:00] On November 17th and 18th, elevate your ERM Program and career at the RIMS ERM Conference 2025 in Seattle, Washington. Register now to save $110 and secure your spot at the ERM event of the year. [12:16] Canadian listeners, take note, that's just a little bit South of the border in British Columbia. That's a great way to extend your knowledge after the RIMS Canada Conference. Visit RIMS.org/ERM2025 to register. [12:31] Let's Return to Our Interview with RIMS Canada Conference 2025 Opening Keynote, Manjit K. Minhas!  [12:41] Minhas products include a beer for Trader Joe's, and a fair number of private-label, controlled-label, and white-label brands throughout North America, including food service. If you've had a beer-battered onion ring or French fry on the East Coast, you've had Minhas beer. [13:28] Minhas has a diverse business within the liquor industry. [13:37] Manjit discusses reputational risk. There is reputational risk in any consumer-facing business. She says, often, what separates you from the flurry of competitor advertising is taking some risks with your brand image. [14:15] She shares an example of making a decision early on that was to get noticed, but also to protect the Minhas brand. Marketing professionals are more forward-thinking, and risk professionals are more conservative. Manjit comes to a happy middle-ground decision. [15:40] Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [15:58] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [16:14] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [16:28] Let's Conclude Our Interview with RIMS Canada Conference 2025 Opening Keynote, Manjit Minhas! [16:39] Manjit states that innovation is one of the fun parts of R&D. Manjit talks about different vodkas and beers. Innovation has a financial and reputational cost, and the cost of pushing away another product from retail shelves, for a variety of marketing reasons. [17:40] There are a lot of reasons you don't want to innovate and upset the apple cart. The risk professionals help by getting the metrics for the decision. When will you see if the risk is paying off? It's an art. There are a lot of people involved, so that leadership can make a decision. [18:33] Manjit says there are a lot of nerves in the launch phase of innovation, after being in business this long. It's different when you're new. Once it's out and Manjit sees the execution phase, that's when she gets excited. All of the pieces of the puzzle have come together. [19:18] When Manjit started the business, it was super cool to see her brand offered on the menu or in the bar. It still is, going to the grocery store with her daughter and seeing their craft sodas. Her daughter went up and turned the bottles so the logos were forward-facing. [19:40] It never gets old. Her brother is the same way. They send photos to each other all the time. They package 600 cans a minute at all their facilities. It's a big operation. But to Manjit and her brother, it's like it's still the two of them against the world. [20:29] It's the drive to keep winning that gets Manjit up every day. Minhas is the 9th largest brewery in North America. How are they to keep climbing that ladder and keep getting better, compared to themselves? [20:53] Some Minhas facilities in the States offer tours. But they have secrets they want to protect. It's a very competitive industry. [21:23] Manjit explains operational resilience and risk strategy in the light of supply chain disruptions and tariffs. It's something we all need to look at and not take for granted. Look at critical operations, people, facilities, technology, third-party dependencies, ownership, and more. [22:08] They look at every part of that as to how they can be resilient and be better than their competitor, and do it more efficiently, quicker, with faster adaptation, and recover when things don't go right. Everybody is a part of it. They're doing more scenario testing than ever before. [22:44] Minhas is looking at different impacts and how long they can get through them. What are the tolerance levels? Their culture is more transparent to both issues, where they are winning and where they are not. Manjit lists the many types of business resilience. [23:26] If your business is not looking at using technology and AI to your advantage, what are you doing? Resilience is more than the easy definition. [23:57] How does Manjit keep a consistent approach to risk across all her verticals? It's communication. Manjit doesn't think there is such a thing as too much communication. Ideas have to be shared. It has to be a collaborative space to understand everything that comes. [24:25] A lot of people know Manjit from Dragon's Den. She has been on for 10 years and just finished filming her 11th season, which is airing soon. She'll let people take selfies with her. [25:11] Some of what to expect from Manjit on September 15th, in Calgary: She'll talk about her story, lessons learned, mentorship, the courage, skills, and talents that have brought her success, and fun stories about leadership. [25:37] Manjit will give some advice on how to build confidence, self-awareness, negotiation, and lots of fun things. She will leave about 15 minutes for an open Q&A session. She always enjoys learning what people in the audience are wondering. It's fun! [26:08] We look forward to seeing you on September 15th, 9:00 a.m. In Calgary! It's been such a pleasure to meet you! Thank you for joining us on RIMScast! [26:44] Special thanks again to Manjit Minhas for joining us here on RIMScast! We are so excited for her to kick off RIMS Canada 2025 with her keynote on September 15th at 9:00 a.m. in Calgary. [27:00] Be sure to register today! This is the last call! Visit RIMSCanadaConference.ca for more information and to register! I've also got a link in today's show notes to the closing keynote interview, Amanda Lindhout. She was fantastic, as well. See her on September 17th. [27:20] 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. [27:49] 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. [28:07] 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. [28:25] 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. [28:41] 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. [28:55] 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. [29:07] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Canada 2025 — Sept. 14‒17 | Last week to register! RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. 10th Annual Chicagoland Risk Forum — Sept. 18 | Registration open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! Spencer Educational Foundation 2025 Funding Their Future Gala — Sept. 18, 2025, in NYC! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now RIMS Webinars: RIMS.org/Webinars “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration” | Sept. 18 | Sponsored by Origami Risk “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “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: 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 See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “On Resilience with Amanda Lindhout, RIMS Canada 2025 Closing Keynote” “Thoughts and IDEAs on Inclusivity with Michael Bach” (RIMS Canada 2025 Keynote, recorded in 2024) “Live From Vancouver! with Maryam Salmasi, Fred H. Bossons Award Winner 2024” “Exploring Risk in Extreme Environments with Kevin Vallely” “Change Management and Strategy with Jay Kiew, RIMS Canada Conference 2024 Keynote”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “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   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: Manjit K. Minhas, Co-founder and CEO at Minhas Brewery, Distillery, and Winery Calgary-born entrepreneur, engineer, and venture capitalist   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.   The Spencer Educational Foundation, a leading nonprofit organization to nurture the next generation of risk management and insurance professionals, will hold its annual Funding Their Future Gala in New York City on Thursday, September 18, 2025. This eagerly awaited event will occur at the renowned Cipriani 42nd Street, uniting industry leaders and supporters to acknowledge achievements in risk management and insurance.   This year's gala recognizes Tim Ryan, U.S. President at Lockton, for championing the next generation of talent and shaping the future of the risk management and insurance industry. Since being named U.S. President in 2024, Tim has been pivotal in positioning Lockton for the future. With over 30 years of industry experience, Tim brings a strategic and enduring approach to leadership. He is committed to fostering a culture of collaboration and excellence that carries Lockton's momentum forward. Tim's vision is to build on Lockton's strong foundation, guiding the company through evolving market demands while maintaining its reputation as the best place to work in insurance.   “Tim's commitment to attracting and developing top talent has been instrumental in Lockton's continued success and evolution as an industry leader,” stated Julie Gibson, Spencer board member and Chief Marketing Officer at Lockton.   In this episode, Justin interviews Tim Ryan on his career, his risk philosophy, his leadership vision on mentorship, and his recognition by the Spencer Educational Foundation.   Listen to learn about attracting top, rising talent to the risk management and insurance industry.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] The call for educational content submissions for RISKWORLD 2026 is open through September 4th! A link is in this episode's show notes. [:28] About this episode of RIMScast. We will be joined by Tim Ryan. He is the U.S. President at Lockton and the honoree at this year's Spencer's Funding Their Future Gala on September 18th. We'll get his perspective on leadership and the future of risk management in just a moment. [1:00] RIMS-CRMP Workshops! 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 on the Certification Page of RIMS.org and through this episode's show notes. [1:20] 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. RIMS members enjoy deep discounts! [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 next RIMS Webinar will be held on September 4th and will be led by AXA XL. It is titled “Lockdown & Level Up: Turn Up Your Cyber Security Game Against Creative Cyber Criminals”. [2:01] On September 18th, Origami Risk will present “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration”. [2:10] On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:19] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. [2:28] On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:37] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:49] 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 registering by September 30th. [3:04] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle. Don't miss out on this chance to plan and score some extra perks. [3:17] 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 risk network with us here at RIMS. [3:31] On with the show! On September 18th, 2025, the Spencer Educational Foundation will hold its annual Funding Their Future Gala in New York City at the renowned Cipriani 42nd Street. [3:44] This year's Gala recognizes Tim Ryan, U.S. President at Lockton, for championing the next generation of talent and shaping the future of risk management and insurance. [3:54] Tim Ryan is our guest today. He has over 30 years of industry experience. We're going to dive into his philosophies on leadership and what it takes for the next generation of risk professionals to be successful in the short and long term. Let's get to it! [4:11] Interview! Tim Ryan, welcome to RIMScast! [4:32] Tim Ryan is excited to be here today to talk about the Spencer Educational Foundation! He says it's an exceptional organization, doing important work. It's a unique organization that brings the entire industry together to rally around an issue that's important to us all. [4:52] Tim says the recognition is humbling and gratifying. It's nice to be recognized, but he doesn't view it as a personal achievement. He sees it as a reflection of the incredible work being done by Lockton and Associates throughout the country, more than it is of his individual efforts. [5:14] Tim says he is honored to be recognized, and he's proud to be part of a company that sees this as a priority. [5:26] Tim has been at Lockton for 20 years. Before Lockton, Tim worked on the carrier side for 10 years. Tim became the U.S. President at Lockton almost a year ago to the day.  [5:49] Tim's leadership style has changed over time, through the wisdom of maturity and a lot of trial and error. He started in the industry straight out of college. Working at a couple of different organizations exposed him to different leaders along the way. [6:10] Tim learned a few foundational lessons. First, leadership is rarely about title. People follow people, not the position. When Tim was first made a team leader, he was excited to be in charge. He promised himself he wouldn't make the same mistakes his managers had made. [6:37] He made the same mistakes. He started to realize that a leadership position isn't about you. Your job is to set the vision, align stakeholders, make sure there's clarity on roles and responsibilities, and create and foster an environment that allows people to be successful. [6:58] Tim's leadership style is about building teams with complementary skill sets. It's not about being the smartest person in the room; it's about making sure the room is filled with smart and motivated people. [7:08] Put the right people in the right place and trust them to get the job done. People want to believe in what they're doing and who they're doing it with. It's critical to bring together people with a diversity of thought and background. Bring a variety of different viewpoints to the table. [7:28] Tim believes it's critical to get to know your people. What motivates and drives them? What are their goals and aspirations? How do they like to absorb information? [7:55] Tim views it as his job to listen, to motivate, and to remove obstacles. It's about being authentic. Don't play the role, especially for first-time leaders. You have to be open and transparent, and true to yourself. [8:32] Tim says the role of the broker has changed with the world. If brokers did the same things they did 10 to 15 years ago, they would be at risk of being obsolete. [8:44] Fifteen years ago, there was no Instagram or TikTok. You were probably on MySpace, playing music on your iPod. Some of the emerging risks that are at the forefront of today's discussions range from autonomous vehicles to data centers to digital assets and currency. [9:04] The pace of change in the industry is fast, and it's only increasing. The constant emergence of new and evolving risks requires greater specialization and the use of data analytics to deliver deeper insights into our clients' businesses. [9:18] As you look ahead, you can start to see how AI is going to have a dramatic impact on how we do business in the not-too-distant future. [9:26] Despite these advances and changes, for a broker, one thing is unchanged. Clients want us to help them see around corners. They want us to help them understand what's coming next. They look to us to provide expertise and help make decisions. [9:46] Tim says our job is to be a fierce advocate for them, to be that trusted advisor. We need to know and understand their business, the industry they operate in, and the risks associated with it. We need to understand their risk tolerance and help them solve their business need. [10:04] Quick Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [10:26] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [10:43] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [10:57] RIMS Events! On September 18th, the 10th Annual Chicagoland Risk Forum will be held at The Old Post Office in Chicago. Register at ChicagoRIMS.org. [11:11] On September 14th through the 17th, we will be in Calgary for the RIMS Canada Conference 2025. Visit RIMSCanadaConference.ca to register. [11:21] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [11:37] On November 17th and 18th, elevate your ERM Program and career at the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is live, and early rates are available until September 5th. Register now to save $110 and secure your spot at the ERM event of the year. [11:59] Canadian listeners, take note, that's just a little bit South of the border in British Columbia. That's a great way to extend your knowledge after the RIMS Canada Conference. Visit RIMS.org/ERM2025 to register. [12:14] At the top, Justin mentioned RISKWORLD 2026. Through September 4th, the RISKWORLD education content submission process is still open. [12:23] RIMS invites you to share your experiences, best practices, and innovative strategies that represent the global outlook of risk management. Send us your submission, and who knows? We might select you to speak at RISKWORLD 2026 in Philadelphia! The link is in the show notes. [12:41] Let's Return to Our Interview with Lockton U.S. President Tim Ryan!  [13:03] Tim Ryan talks about cultivating the next generation of risk and insurance professionals. His motivation comes from his story. It's all about paying it forward. He wouldn't be where he is today without the guidance and support of some great mentors throughout his career. [13:16] Tim's mentors had no reason to want to help him, but from early on, they decided to help him reach his potential. Tim started his career as a trainee at Fireman's Fund Insurance in a branch office North of New York City. [13:36] The office manager was incredible. He was generous with his time. He was never too busy to help or answer questions. He always found ways to give Tim opportunities in meetings, in projects, or with clients. [13:49] Opportunities that Tim probably wasn't ready for, but that were part of his developmental process. Tim is incredibly grateful for the impact this manager had on his career and his life. Almost 35 years later, Tim still thinks of him as a person that he tries to emulate. [14:12] Tim says, “ So, John Lience, if you're listening, thank you! It made a difference. Give me a call. I'd love to catch up.” [14:20] Justin is glad to hear the shoutout by name. It's a small world in risk management, and everybody knows each other. John may be listening. Tim agrees, for as big an industry as it is, it is definitely a very small world. [14:33] Tim continues, fast forward to today, this is something that we're passionate about because we see it as a strategic priority for the business. Lockton invests an incredible amount of time and money into the technical and professional development of all its associates. [14:53] It starts with the first-year analysts, many of whom came out of Lockton's intern program. Leaders have an obligation to grow and develop the next generation of talent. [15:04]  It's about creating a culture of continuous learning, one where people feel valued, included, and connected to the purpose of the work and the people that they work with. [15:14] What drives and motivates Tim is that shared sense of purpose that brings everyone together. [15:34] What must the sector do differently to attract, engage, and top rising talent? Tim says the industry has made progress, but we're still not where we need to be. We have to expand the talent pool by building stronger partnerships with different schools and organizations. [15:55] The Spencer Educational Foundation is already doing the work to engage more diverse communities. These relationships help us reach individuals who may not have considered a career in risk and insurance, but bring valuable perspectives and skills. [16:08] Tim continues, beyond sourcing talent, retention has to be a priority. It's great to get people into the industry, but can we keep them? That means investing in leadership development programs accessible to a broader audience, including underrepresented groups.  [16:22] It also means helping young talent understand their purpose and how they fit within the vision of the company they're working in. When people see a path for growth and feel connected to the purpose, they're more likely to stay and thrive. [16:35] Building that workforce that better reflects the communities and businesses we serve isn't just the right thing, but it also makes our industry stronger, it makes it more innovative, and it makes it better equipped to meet the evolving needs of our clients. [16:53] Tim has attended Spencer Educational Foundation's Funding Their Future Gala for years. He was there last year for Lilian Vanvieldt-Gray. She was great! The grant recipients also spoke. They were incredibly impressive. Lockton asked two of them for their numbers and resumes. [17:26] Justin comments that the event itself can be a networking and career advancement opportunity. Tim says it was great to hear from the recipients. It brings it back to what impact the Spencer Educational Foundation has. [17:50] Justin had a great time last year, and he looks forward to seeing Tim this year, on September 18th. The Spencer Educational Foundation supports students and educational programs across the risk and insurance professions. [18:14] Tim says most young people don't have any idea what a broad, vibrant, and dynamic industry this is. We have to do more to generate awareness and excitement about our industry. [18:23] Partnerships like the one with Spencer Educational Foundation are critical. They bring awareness and help us reach smart, young, talented individuals who might not otherwise consider a career in this field. The scholarship program is a big part of that. [18:35] Lockton has been involved in the Foundation since the early days. 20 years ago, they established the John T. Lockton Memorial Scholarship through the Spencer Scholarship Program. [18:47] Lockton continues to support that program, donating over $1 million in funding for about 200 scholarships. The program is just one of the many ways Spencer is driving awareness and engagement in the industry. [18:57] Tim praises the Spencer Educational Foundation for the great work they do with colleges and universities, helping build risk management programs, facilitating internships, and bringing new people into the industry through the scholarship program. [19:06] These partnerships are essential for the future of risk and insurance because they create pathways for students to discover the unique value the profession offers. Tim says many scholarship recipients are working at Lockton today, and they are excellent. [19:37] Tim shares advice to students or early career professionals discovering risk management. “Every year, I meet with our first-year analysts and interns, and I talk to them about this very subject.” [19:45] “We talk about how big the industry is and that there are so many opportunities and career paths available to them. But the backdrop of that conversation is about the pace of change and the importance of being a continuous learner.” [19:59] “You're going to have to reinvent yourself many times over the course of your career to stay relevant, so now, at this early stage of your career, is the time to invest in yourselves. Don't get caught up in worrying about the next promotion or the next step in your career.” [20:13] “Just be patient. You're going to have plenty of time for all that. All that's going to work itself out. Just focus on gaining new experience and knowledge, and figure out what you're good at. Don't just do things. Seek to understand why.” [20:27] “Look, you can have a job or you can have a career, and they're different. But that's ultimately going to be up to you. It's your responsibility. If you focus on what you're doing and do it well, your next job will likely come from someone you're impressing today.” [20:47] “Get out of your bubble, build relationships, network, and go meet with people. Make people want to invest in you.” [21:00] “If you take nothing else out of this conversation, try to remember these things: Be curious. Ask questions. Understand why you're doing things. Show up and be present. If you can do those things, you'll ultimately be successful.” [21:20] Special thanks to Tim Ryan of Lockton for joining us here on RIMScast! We look forward to seeing him on September 18th at the Spencer Funding Their Future Gala in New York City. Visit the link in this episode's show notes for tickets and SpencerEd.org for more information. [21:40] 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. [22:09] 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. [22:27] 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. [22:44] 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. [23:01] 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. [23:15] 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. [23:27] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Educational Foundation 2025 Funding Their Future Gala — Sept. 18, 2025, in NYC! The call for RISKWORLD 2026 submissions is open through Sept 4. Spencer Internship Program — Registration Open Through Oct. 15. RIMS Canada 2025 — Sept. 14‒17 | Registration open! 10th Annual Chicagoland Risk Forum — Sept. 18 | Registration open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration! Register through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now “Tim Ryan to Receive Honor at Spencer Educational Foundation's 2025 Gala” RIMS Webinars: RIMS.org/Webinars “Lockdown & Level Up: Turn Up Your Cyber Security Game Against Creative Cyber Criminals” | Sept. 4, 2025 | Sponsored by AXA XL “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration” | Sept. 18 | Sponsored by Origami Risk “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “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: 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 See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services”, Spencer Gala Honoree 2024   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “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   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: Tim Ryan, U.S. President, Lockton Spencer Educational Foundation Funding Their Future Gala's 2025 Honoree   Production and engineering provided by Podfly.