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Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin and his guests, Denise Sobczak and Michael Zuraw, introduce the new RIMS paper: “The Pre-Mortem Method: Learning From Failure Without Actually Failing”. Unlike post-mortem analysis, a pre-mortem risk assessment attempts to learn from failure before a project even begins. This report highlights the advantages of implementing a pre-mortem risk assessment approach to strategic projects. Download the report to learn about the three steps to activate a pre-mortem assessment that fosters a better understanding of a project's overall objectives, and ultimately improves transparency, communication, and business outcomes. Justin, Michael, and Denise discuss implementation steps and frequency of pre-mortems in an organization. They cover ways of documentation and tracking insights from pre-mortem exercises, and tools for structuring an effective pre-mortem session. They explore how to involve participants and how to flip the script from naysaying to contributing insights. They consider the collateral benefits of involving your organization in a pre-mortem analysis. They share examples of how the pre-mortem works in their organizations.   Listen to gain insight into this innovative risk management tool to build upon the successes and achievements of your organization. Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our topic is pre-mortem analysis, which we will explore with past and present members of the RIMS Strategic & Enterprise Risk Management Council. [:42] RIMS-CRMP Workshops! As part of RIMS's continuing strategic partnership with Purima, we have a two-day course coming up on April 22nd and 23rd. Links to these courses can be found through the Certification page of RIMS.org and this episode's show notes. [1:01] Virtual Workshops! On April 16th and 17th, Chris Hansen will lead “Managing Worker Compensation, Employer's Liability, and Employment Practices in the U.S.” [1:14] On June 12th, Pat Saporito will host “Managing Data for ERM” and will return on June 26th to present the very popular new course, “Generative AI for Risk Management”. [1:30] A link to 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 show notes. [1:41] RISKWORLD registration is open. Engage Today and Embrace Tomorrow, May 4th through 7th in Chicago. Register at RIMS.org/RISKWORLD. Also, remember that there will be lots of pre-conference workshops being held in Chicago just ahead of RISKWORLD. [1:59] These courses include “Applying and Integrating ERM,” “Captives as an Alternate Risk Financing Technique,” “Contractual Risk Transfer,” “Fundamentals of Insurance,” “Fundamentals of Risk Management,” RIMS-CRMP Exam Prep, and more! The links are in the show notes. [2:18] In March, RIMS released a new professional report called “The Pre-Mortem Method: Learning from Failure Without Actually Failing.” The two authors of this report are joining me here today! They have both been RIMScast guests. [2:39] Denise Sobczak is the Director of Group Risk Management at the BIC Group and Michael Zuraw is the Senior Director of Global Enterprise Risk Management for Onsemi. [2:52] Denise is a former member and Michael is a current member of the RIMS Strategic & Enterprise Risk Management Council. Their paper, “The Pre-Mortem Method,” is available through the Risk Knowledge page of RIMS.org. Tap on the White Paper button on that page. [3:10] We're going to hear how Denise and Michael have used the pre-mortem method at their respective companies. We're going to give you tips on how to lead pre-mortem analysis discussions at your organizations whether for a big merger or unveiling a new product. [3:32] This conversation will continue on May 7th at RISKWORLD when Denise hosts “Pre-Mortem or Post-Mortem: If You Were a Patient, What Would Choose?” That session will be held in Room BC185. [3:47] Interview! Michael Zuraw and Denise Sobczak, welcome back to RIMScast! [3:55] Denise and Michael's paper is “The Pre-Mortem Method: Learning from Failure Without Actually Failing.” Pre-mortem analysis is a risk assessment approach that you apply to strategic projects. [4:13] The concept is simple. You assume that an initiative fails. Then you identify triggers of that failure and develop plans to avoid and mitigate them to achieve success. It was developed by Gary Klein and has been widely applied in the business world. [4:39] Michael says the approach was discovered by cognitive psychologists. It releases folks from some of the biases, such as groupthink and confirmation bias, that will muck up decisions. This approach encourages participation and takes risk identification to the next level. [5:07] Justin calls the paper an easy read that people can keep returning to. [5:22] The Strategic & ERM Council decided to do a track on scenario planning. One of their first shareouts was a paper on scenario planning with a segue on pre-mortem risk assessment on how to draw those scenarios. [5:44] Many things are going on, with a level of uncertainty in the external environment that drives uncertainty in the internal environment. As a risk practitioner, it's very important to have these tools. [5:59] Michael joined the Strategic & ERM Council a little over a year ago after they had started the scenario planning. He had already read the SERM Council paper on scenario planning with great interest. Michael is a fan of Gary Klein's and had used pre-mortems. [6:24] When Denise and others mentioned they were going to take the next step in their series of scenario planning to include a pre-mortem discussion, Michael immediately volunteered to be part of it. It was a topic he was familiar with and he had done some sessions on it already. [7:05] Denise explains a pre-mortem is one of many risk assessment tools available. There's no set number for how often an organization should perform one. The main attraction of this tool is its use when you are short on time and have few resources and you want a high-value output. [7:53] It's good to use a pre-mortem when there are a lot of cross-functional initiatives with interdependencies that create complexity and generate risks. [8:07] Michael thinks that for major strategic decisions, a pre-mortem should almost always be used. As you use it, you find out that it's very efficient and not complicated. You can learn from it to include contrarians in discussions to question all assumptions. It changes your risk culture. [8:52] Pieces of the pre-mortem method find their way into the way people approach everyday decisions, even without doing a formal pre-mortem analysis. A pre-mortem analysis is not difficult or expensive to do. As often as you think it provides value, have at it! [9:20] The primary thing a pre-mortem does is open the door to legitimizing doubt. It allows the group decision process to stay in inquiry not to be sucked into advocacy before all the risks are discussed and mitigated. [9:44] Michael notes that as the pre-mortem opens up concerns, they can be put on the table and discussed. The key is you have to take the next step which is to consider what you can change and improve your plan to prepare for the possibility of that risk and mitigate it. [10:08] The goal is to take what you've learned, feed it back into the decision process, and come out with a better plan than you had going in. [10:16] It's very key to get the insights and embed them into the company's core processes versus having a stand-alone tracker for the pre-mortem that you've done. If you've done a pre-mortem for a strategic initiative, integrate it into the status update reports for that initiative. [10:34] If the pre-mortem is related to an event, integrate it into regular management reviews, operating reviews, or even risk governance. Integrate insights that will help you into your core processes. [10:49] Denise and Justin discuss recording remote pre-mortem sessions on Zoom and transcribing them. Justin suggests recording even in-person sessions on Zoom for a transcript. [11:40] Michael says having a transcript of a pre-mortem helps because you want people to focus attention on the conversation and not on note-taking. Sometimes you want to go back and get some context. In-person meetings also allow seeing body language. [12:11] The point of this is to get it out there and talk about it. It's very interactive. [13:19] Pre-mortems are structured to picture a failure six months into the future. Then set a two-minute timer and ask everyone to write down what went wrong. Each one comes up with ideas without the group's influence and writes down key failure points that caused this outcome. [14:04] As a result, things that were just below the surface come out first. Even the staunchest advocate of the plan has to come up with something. The creativity of what could have gone wrong becomes an asset, not a detriment. [14:31] You're not a naysayer, you're an identifier. The basic premises of ERM are risk identification, risk prioritization, and risk response. A pre-mortem creates a more robust identification. You're a contributor. You've discussed something that you hadn't before. [14:54] Denise explains that a pre-mortem is a paradise for the naysayers because they don't have the burden to say it failed. We give that to them. It's not about being skeptical or negative but identifying the contributors that could have caused the failure and being part of the solution. [15:18] Plug Time! RIMS Webinars! On April 10th, Audit Board will present “What CISOs Want Risk Executives to Know About Cyber Risk in 2025”. [15:30] Following the success of their recent webinar, HUB International returns for the next installment of their Ready for Tomorrow Series, “From Defense to Prevention: Strengthening Your Liability Risk Management Approach”. That session will be on April 17th. [15:45] On April 24th, RiskConnect returns to deliver “Better Together: The Marriage of Insurable Risk and Business Continuity”. [15:54] More webinars will be announced soon and added to the RIMS.org/webinars page. Go there to register. Registration is complimentary for RIMS members. [16:05] Important Announcement! RIMS and the Institute of Internal Auditors have entered into an agreement to deliver a selection of the other group's educational programming to their members. Twenty-nine shared courses will be available to both association's members. [16:23] RIMS members can explore the IIA courses that are now available to them at See Courses Here. To access RIMS's complete selection of workshops, webinars, and courses, visit RIMS.org/Education. [16:42] Let's Get Back to our Discussion about Pre-Mortem Analysis with Michael Zurow and Denise Sobczak! [17:09] Denise says individuals who have had experience with failures can tap into that experience in new situations. Newcomers can offer a fresh perspective. The key is diversity of thought and experience. Make participants comfortable to express their opinions. [17:38] Watch out for those who would take over. As you facilitate the pre-mortem, make sure that you're engaging and that it's a responsive type of facilitation. There's no right or wrong answer when you're looking for triggers. Later on, you will prioritize. [18:22] Michael has been at Onsemi for 20 years with broad exposure in product line management and supply chain. Four and a half years ago, Onsemi had a new CO and much of the top management changed. The question was what did the stakeholders want from ERM. [18:44] There was some change in how they approached it. He did pre-mortems before and he has done them since. The key is broad participation of the players, broad perspectives, and leading it to say that we want to know what you think. We want to question our assumptions. [19:08] That basic approach is to try to make the plan better, not bring it down, trying to improve the likelihood of success. That plays through all types of corporate change. [19:35] Participants should not be in the top tier of leaders, but in middle management with some boots on the ground. The middle management group forms the culture and they know enough key details about what the planners are thinking and to ask, what if they're wrong? [20:14] Denise expects the participants to be the people who are knee-deep in the initiative and are the subject matter experts. You can also invite folks who are not in the initiative but who have a say from the legal, financial, and business support perspectives. [20:42] The number of participants depends on the setting. An in-person setting can accommodate 10 or 15. In a virtual setting, you can have eight to 10. You need to make sure that everyone can participate. [21:14] More RIMS Plugs! 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. [21:33] Since 2010, Spencer has awarded over $3.3 million in general grants to support over 130 student-centered experiential learning initiatives at universities and RMI non-profits. [21:46] Spencer's 2026 application process will open on May 1st, 2025, and close on July 30th, 2025. General Grant awardees are typically notified at the end of October. Learn more about Spencer's General Grants through the Programs tab of SpencerEd.org. [22:06] Spencer has several events lined up before and during RISKWORLD 2025. On May 3rd, there's the Spencer-CNA Pickle Ball Social, on May 4th, the Spencer-Gallagher Golf Tournament, on May 5th, the Spencer Soiree, and on May 6th, the Spencer-Sedgwick 5K Fun Run. [22:25] You can register for or sponsor any of these through the links on this page or by visiting SpencerEd.org/riskworld2025. [22:35] The call for submissions for the RIMS Canada Conference, which will be held in Calgary from September 14th through the 17th, 2025, is now open. We want to hear from you! We are looking for dynamic, insightful presentations on key industry topics. [22:49] Topics may include are but not limited to alternative risk transfer, insurance, legal and regulatory, risk modification and loss control, the DEI Studio, the Thought Leader Stage, corporate sustainability, ESG, and more. [23:03] Submit your proposal by the submission deadline, Wednesday, April 16th at 11:59 p.m. Eastern Time. Visit RIMSCanadaConference.ca and the link in this episode's notes for information. [23:17] If you will be in the Dallas/Fort Worth area on April 17th, be sure to stop by Lone Star Park for DFW RIMS's 7th Annual Night at the Races. It's going to be a blast! Guest, member, and student tickets are available. Visit DFWRIMS.org and the link in this episode's show notes. [23:41] Let's Return to our Discussion about Pre-Mortem Analysis with Denise Sobczak and Michael Zurow! [24:02] Denise mentions different ways to measure the ROI of a pre-mortem, in the light of inherited risk impact before mitigation versus residual risk, post-mitigation. [24:16] For a consumer goods company like BIC, Denise says it is more sensible to tie the effectiveness of the pre-mortem exercise with the overall achievement of the strategic goals or the operating targets because you are changing as you go. [24:38] Michael says it's tough to measure the effectiveness of a pre-mortem. You're asking a team that has already been assembled to spend half a day looking at the plan and, at the end, asking if they learned something that helped improve the plan. [25:30] Is the plan or decision better the day after the pre-mortem than it was the day before? Was it worth the four hours? Would you suggest doing this again? Would you recommend it to your peer? Advocating for a pre-mortem indicates its value, way beyond the cost of doing it. [26:16] Denise stresses the collateral benefits of a pre-mortem. If you are facilitating this type of risk assessment, you will reach a lot of folks in the organization and help them think differently. They will think of the risk management department or the ERM practitioner as a resource to use. [26:37] There is some amplification from a showcase of value to the organization from your function. Denise says a pre-mortem never took a day for her. Once she applied a pre-mortem in a 20-minute phone call with all the constituents. They came up with 15 reasons it could fail. [27:02] A pre-mortem can be formal or informal. The informal pre-mortem is as efficient and it is quicker. You need to understand what the culture of your organization is. If it is very formal, adapt to that. Denise tends to work in more agile organizations. [27:36] Michael works for a company that is heavy in engineering. A pre-mortem takes about two hours there. Engineers want to solve problems and tell you why their solution to the problem is awesome! They want data and rationalization justification. [28:15] Part of it is the moderation. Say the goal of this meeting is to get the concerns and issues out on the table. Afterward, we'll do a quick prioritization so we can assign owners to address the next step of how this feeds back into improving the plan. [28:32] As everybody took two minutes to write down the issues, get them out on the table and rotate through the biggest issue from each person as quickly as you can, one at a time, so no one gets into a laundry list of items. Keep the discussion moving across all the participants. [28:55] What you get is honest dialog and everyone participates. If you do that, you'll avoid overcomplicating it. It can be very simple. It's structured to help you manage that. As long as you keep it moving, it will be fine. [29:12] On 1:45 p.m., on May 7th, at RISKWORLD, in Room 185BC. Denise will be presenting “Pre-Mortem or Post-Mortem: If You Were Patient, Which One Would You Choose?” Denise will be extending the dialog from the paper and this episode. [29:37] Denise will miss Michael on stage. They had a successful session together at the RIMS ERM Fall Conference. Now that the paper is published, the presentation will be more robust. [29:55] The presentation will cover what pre-mortem risk assessment entails. You basically assume the strategic project has failed. Then you identify the triggers of that failure and develop plans to avoid and mitigate them to achieve success. Then you monitor. [30:25] Once Denise goes through the fundamentals, she will take you through a hands-on exercise of applying this technique. She will give a business case and have the audience start solving it and finding triggers. It's very easy. It will give a sense of what this is all about. [30:52] Denise's aim is that the participants, with the presentation and the white paper, will have another skillset to apply and bring value to their organization. There will be audience participation to close out the last day of the education track at RISKWORLD. [31:20] Denise will have a full hour and then there will be more audience participation when the Second City takes the stage for the Conference Finale. [31:34] Justin recommends attendees check out Denise's solid one-hour presentation. She assures you there will be no coasting in her session! [31:59] It has been such a pleasure to see you both. I appreciate you taking the time. You wrote a wonderful paper. The link is in this episode's notes. Go to RIMS.org/riskknowledge to check it out. Press the White Paper button and it will pop right up. Thank you both so much! [32:18] Special thanks again to Michael Zuraw and Denise Sobczak for joining us here on RIMScast. A link to their paper, “The Pre-Mortem Method: Learning from Failure Without Actually Failing” is available through the Risk Knowledge of RIMS.org. A link is in this episode's notes. [32:35] Beyond the pages and this episode, Denise will be extending the dialog at RISKWORLD on May 7th at 1:45 p.m. local time. She will deliver “Pre-Mortem or Post-Mortem: If You Were a Patient, Which Would You Choose?” That session will be held in room 185BC. [32:52] Register in advance through the RIMS Events App. [32:55] 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. [33:24] 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. [33:41] 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. [33:59] 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. [34:16] 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. [34:30] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [34:37] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: Presented by the RIMS SERMC: “The Pre-Mortem Method: Learning From Failure Without Actually Failing” RISKWORLD 2025 — May 4‒7 | Register today! Spencer Educational Foundation — General Grants 2026 — Application Dates Spencer's RISKWORLD Events — Register or Sponsor! RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now Announcement: RIMS and The Institute for Internal Auditors' Strategic Alliance on Education RIMS Canada Conference 2025 | September 14‒17 | Calgary | Submit a session by April 16. DFW RIMS — 7th Annual Night at the Races / Lone Star Park – April 17, 2025 Nominations for the Donald M. Stuart Award [Canada] The Strategic and Enterprise Risk Center “Truly Long-Term Strategic Risk Management in Focus” — RIMS Q&A with Michael Zuraw (2019) RIMS Webinars: RIMS.org/Webinars “What CISOs Want Risk Executives to Know About Cyber Risk in 2025” | Sponsored by Auditboard | April 10, 2025 “Ready for Tomorrow? From Defense to Prevention: Strengthening Your Liability Risk Management Approach” | Sponsored by Hub International | April 17, 2025 “Better Together: The Marriage of Insurable Risk and Business Continuity” | Sponsored by Riskonnect | April 24, 2025 “Understanding Third-Party Litigation Funding: Its Importance and How You Can Contribute” | Sponsored by Zurich | May 1, 2025   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA | April 22‒23 Full RIMS-CRMP Prep Course Schedule   Upcoming Virtual Workshops: “Managing Worker Compensation, Employer's Liability and Employment Practices in the U.S.” | April 16‒17 | Instructor: Chris Hansen “Managing Data for ERM” | June 12 | Instructor: Pat Saporito  “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Maintaining an Award-Winning ERM Program with Michael Zuraw” “Scenario Planning with the RIMS SERMC” “Q1 2025 Risks with Morgan O'Rourke” “ERMotivation with Carrie Frandsen, RIMS-CRMP” “Risk Quantification Through Value-Based Frameworks” “Applying ERM Theory with Elise Farnham” “On Risk Appetite and Tolerance”   Sponsored RIMScast Episodes: “Understanding Third-Party Litigation Funding” | Sponsored by Zurich (New!) “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog (New!) “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 Walmart ERM Director Michelle Black!   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: Denise Sobczak, Director of Group Risk Management at the BIC Group Michael Zuraw, Senior Director of Global Enterprize Risk Management for Onsemi   Production and engineering provided by Podfly.  

We're moving to Wednesdays! And not because I didn't edit this week's episode - I DID! But now it's next week's. Think of it like frickin' time travel! Also, a duet of the song "Idiot" featuring Fin Hammond and Dr. Karl Soddentrauser. NJOY

Ryan delivers news that will rock the podcast forever.

#154 皆さん、ご存知でしたか？実は、4月に日本では新しい年度になり、学校・転職・引越しなど、日常生活において多くの変化が起こる時期です。これを機に、この番組も変わります！我々だけでなく、皆さんにとっても大切なお知らせがあるので、ぜひ聞いてみてくださいね！Did you all know? April is actually a new fiscal year in Japan, a time that many changes occur in our daily lives, such as school, changing jobs, moving, and so on. And this is also a great time for this program to change as well! We have an important announcement not only for us, but for you as well, so please take a listen!↓↓番組についての感想や話してほしいトピックがあれば、こちらまで↓↓Email: ernestnaoya1994@gmail.com↑↑ Share your thoughts and request to us↑↑個人SNS / Personal Social Media ACErnest's Instagram: @ernest_mkcNaoya's Instagram: @japanese_teacher_n

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Crystal Trout is a director with Baker Tilly's Risk Advisory practice. Justin and Crystal discuss her career in anti-money laundering compliance, and what brought her to consulting. They discuss the elements of AML compliance and how the need for it stretches beyond financial institutions to any sector that involves large transactions, including virtual digital assets and investing. They talk about the $3 billion settlement TD Bank entered into with regulators in October of 2024 and the messages that sends both to financial institutions and money criminals. Listen to Crystal's advice to risk professionals who may oversee large transactions. Key Takeaways: [:01] About RIMS and RIMScast. [:15] Public registration is open for RISKWORLD 2025! Engage Today and Embrace Tomorrow with RIMS at RISKWORLD from May 4th through May 7th in Chicago, Illinois. Register at RIMS.org/RISKWORLD. [:31] About this episode of RIMScast. Crystal Trout of Baker Tilly and I will discuss how Anti-Money Laundering regulations are impacting the risk profession. [:56] RIMS-CRMP Workshops! As part of RIMS's continuing strategic partnership with Purima, we have a two-day course coming up on April 22nd and 23rd. Links to these courses can be found through the Certification page of RIMS.org and this episode's show notes. [1:15] Virtual Workshops! On April 16th and 17th, Chris Hansen will lead “Managing Worker Compensation, Employer's Liability, and Employment Practices in the U.S.” [1:29] On June 12th, Pat Saporito will host “Managing Data for ERM” and will return on June 26th to present the very popular new course, “Generative AI for Risk Management”. [1:44] A link to 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 show notes. [1:55] RISKWORLD registration is open. Engage Today and Embrace Tomorrow, May 4th through 7th in Chicago. Register at RIMS.org/RISKWORLD. Also, remember that there will be lots of pre-conference workshops being held in Chicago just ahead of RISKWORLD. [2:14] These courses include “Applying and Integrating ERM,” “Captives as an Alternate Risk Financing Technique,” “Contractual Risk Transfer,” “Fundamentals of Insurance,” “Fundamentals of Risk Management,” RIMS-CRMP Exam Prep, and more! The links are in the show notes. [2:38] Money laundering should be one of the top risks on your risk radar, especially in 2025 as new regulations are added or rolled back. Some high-profile resolutions have made recent headlines. [2:51] To help me make sense of it all for the RIMScast audience, here is the Director of Baker Tilly's Risk Advisory Practice, Crystal Trout. Crystal has more than 23 years of experience working with financial institutions with a focus on financial crimes compliance. [3:08] We're going to talk about anti-money laundering (AML) programs and get some best practices for implementation and reporting. [3:18] Interview! Crystal Trout, welcome to RIMScast! [3:33] Crystal Trout is a director with Baker Tilly's Risk Advisory Group. She joined Baker Tilly after having worked in financial crimes risk for over 23 years. Previously, she was in the financial institution space. [3:51] Crystal switched to consulting to help other financial institutions build out their AML compliance programs and ensure that they're in a good spot for regulatory exams. [4:19] Crystal tells how she was drawn to anti-money laundering. In high school, she had an internship with a financial institution, and it was robbed. [4:37] When the FBI was doing their investigation, Crystal was trying to understand what they were doing and how they were going to catch the robber. She was so fascinated by the process that she changed what she went to school for and altered her career path.  [5:09] Crystal's interest in understanding how fraudsters and money launderers act led her to use her banking career to work in the back office and investigation space. [5:38] Crystal says the institution used dispensers that limited cash, and the robbers only got $500. Because of the weapon they used, the robbers got a massive sentence at trial. [6:38] Crystal explains the current AML environment. Baker Tilly is staying close to any regulatory changes. The complexity of regulations is extensive. It's critical that professionals in this space stay close to the challenges that extend even beyond the regulatory requirements. [6:59] We're seeing more changes in regulations than we have historically had, Crystal observes. It's a matter of understanding the landscape, staying close to the changes, and trying to predict which direction they may go and plan for either direction. The key is planning and not waiting. [7:32] Crystal suggests you should hope for the best and plan for the worst. Make sure that you're prepared to go in either direction, whether regulations are rolled back or strengthened. [7:57] Justin recalls that TD Bank reached a $3 billion settlement with U.S. regulators in October 2024, pleading guilty to failing to maintain an adequate AML program, which unfortunately led to the facilitation of money laundering activities. That's a huge penalty, Crystal points out. [8:37] This event provides valuable insight for risk professionals regarding regulatory expectations and also the consequences of inadequacies in their programs. [8:49] People need to understand that they can't be lackadaisical in their compliance program. They need to be ahead of it. It's all about preparation and planning.  [9:03] In the TD Bank case, regulators had identified substantial weaknesses in the overall transaction monitoring system and due diligence procedures. [9:17] TD Bank had allegedly failed to allocate the resources needed to operate their AML program, but they continued to have significant growth within their higher-risk customer segment and geographical region. [9:35] TD Bank wasn't staying ahead and keeping current with its customer base and the risks that were taking place. Beyond the penalty, TD Bank has expenses for remediation efforts, enhanced compliance infrastructure, and independent monitoring. All of these are added costs. [9:57] Financial institutions may fail to realize the costs that happen beyond the penalty. They may say it costs too much to add the staffing or build the correct tools, not realizing it will cost them more when the regulators find these faults and weaknesses within their program. [10:18] A key lesson to learn is that compliance programs must be able to scale appropriately with the institution's business growth and evolving risk profiles. [10:30] Regulators focus on the overall program effectiveness rather than mere technical compliance, particularly regarding the quality of suspicious activity identification and reporting. [10:41] It's important for institutions that have to comply with these programs to be proactive and make sure they have the correct resource allocation. Those things are key when it comes to ensuring that AML compliance programs operate effectively. [11:11] There are five key pillars involved in an AML compliance program, including a designated compliance officer and following customer due diligence. You build an AML Bible, with paperwork that documents the steps you're going to take to be in compliance. [11:39] It allows your people to understand the risk that the institution is willing to take, and what it's not willing to accept. You document everything as evidence base for regulators, as having the correct tools and technology to support the program's overall risk tolerance. [12:33] Justin and Crystal address the reputational risk to an institution that may come from a regulatory settlement. Crystal states that these settlements signal to the bad guys that they are going to be caught and they're not going to be able to continue to act at that institution. [13:14] Crystal tells about the bank robber. For prevention, when someone comes into the bank, make eye contact, talk to them, and acknowledge them. If they're scouting it out, there's a lot less chance they'll come back to that bank because they are being noticed. [13:37] A criminal may not physically be in the bank, but if you do due diligence up front when they open an account, asking the right questions, and looking for red flags, they may realize that you have a very strong AML program in place and they'll go elsewhere. [14:07] Plug Time! RIMS Webinars! On April 3rd, join Zurich for “Understanding Third-Party Litigation Funding”. On April 10th, Audit Board will present “What CISOs Want Risk Executives to Know About Cyber Risk in 2025”. [14:24] Following the success of their recent webinar, HUB International returns for the next installment of their Ready for Tomorrow Series, “From Defense to Prevention: Strengthening Your Liability Risk Management Approach”. That session will be on April 17th. [14:40] On April 24th, RiskConnect returns to deliver “Better Together: The Marriage of Insurable Risk and Business Continuity”. [14:48] More webinars will be announced soon and added to the RIMS.org/webinars page. Go there to register. Registration is complimentary for RIMS members. [14:59] Important Announcement! RIMS and the Institute of Internal Auditors have entered into an agreement to deliver a selection of the other group's educational programming to their members. Twenty-nine shared courses will be available to both association's members. [15:17] RIMS members can explore the IIA courses that are now available to them at See Courses Here. To access RIMS's complete selection of workshops, webinars, and courses, visit RIMS.org/Education. [15:35] Let's Return to my Interview with Crystal Trout! [15:50] Are risk professionals who are not at financial institutions at risk of inadvertently being caught up in a money laundering crime? Crystal says this question is in the back of the mind of any risk professional. She remembers that running an AML compliance program is stressful. [16:22] There's always the risk that a chief compliance manager could be cited for a failure and have to pay a significant, hefty fine. A risk manager should be aware of this when they're performing any form of transaction. Listen to your gut if something seems off. Don't ignore it. [17:26] Is paying in cryptocurrency a red flag? Navigating AML compliance specifically regarding cryptocurrency is new for a lot of professionals. There are risks and benefits to digital assets concerning AML compliance. [17:54] With any evolving form of payment, if risk professionals aren't staying ahead, truly understanding and navigating how it works, it's going to make it difficult for them to understand red flags and risks that might come, as well. [18:13] There is sometimes a natural fear in risk professionals that because they're not comfortable with cryptocurrency, they're not able to address any legitimate concerns or concerns that may be their internal fear due to the lack of knowledge. [18:45] Is it too risky for a company to announce the voluntary departure of a Chief Compliance Officer? Crystal says the company should already have a plan for somebody to temporarily step in and continue to operate so it doesn't leave a gap or exposure in the organization. [19:22] It's an opportunity for a risk professional to go into a financial institution and make a mark for themselves by helping the institution strengthen its overall compliance program. [19:49] It's a good practice for a company to announce the replacement chief compliance officer at the same time as the announcement of the leaving chief compliance officer. It's part of succession planning. [20:47] The money laundering risk landscape is expanding significantly. Industries outside of finance and banking face substantial financial crime risk and corresponding regulatory scrutiny. They have less mature compliance infrastructure than their banking counterparts. [21:07] Crystal mentions the real estate sector as a potential vehicle for money laundering due to the high-value transactions, price stability, and the lack of historical regulatory oversight. [21:19] Digital asset providers, cryptocurrency exchanges, wallet providers, and any type of virtual asset service providers face intensifying regulatory scrutiny because the platforms can facilitate anonymous transactions. [21:35] The Financial Action Task Force has established clear expectations for virtual asset service providers to implement robust AML controls. Gaming and gambling services present money laundering risk. [21:53] There are other high-risk sectors that money laundering risk could expand to. FinCEN recently required registered investment advisors and exempt reporting advisors who have not been required to have an AML compliance program to have one in place by January 2026. [22:22] We're seeing AML compliance extend beyond traditional banking. [22:34] There are very few industries that, in some form or fashion, could not be a victim of a bad actor performing money laundering. It's just a matter of the bad guy finding a way to do it. [23:09] What steps should a company take when money laundering by an employee is discovered? The appropriate officer needs to start an internal investigation. That's a lengthy process. Make sure the “i”s are dotted and the “t”s are crossed within the investigation. [23:47] Make sure all the evidence and documentation are aligned. Involve HR and the appropriate supervisor authority. If it's shown to be true, interview the individual. It could lead to termination. The investigative process could take months. The authorities may be alerted. [24:39] The company may not want it out in public knowledge and may not file a police report. It can damage a company's reputation. [25:00] Crystal explains her passion for AML compliance and why she became a compliance consultant to help more institutions. The downstream impact is so significant. She wants to make sure the bad apples don't have the opportunity to launder funds. [25:54] Special thanks again to Crystal Trout for joining us here on RIMScast. I've got links to more RIMS coverage of fraud, compliance, financial risk management, and anti-money laundering in this episode's show notes. [26:09] 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. [26:38] 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. [26:55] 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. [27:13] 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. [27:30] 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. [27:44] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [27:51] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: RISKWORLD 2025 — May 4‒7 | Register today! Nominations for the Donald M. Stuart Award [Canada] Spencer Educational Foundation — General Grants 2026 — Application Dates Spencer's RISKWORLD Events — Register or Sponsor! RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now Announcement: RIMS and The Institute for Internal Auditors' Strategic Alliance on Education RIMS Webinars: RIMS.org/Webinars “Understanding Third-Party Litigation Funding” | Sponsored by Zurich | April 3, 2025 “What CISOs Want Risk Executives to Know About Cyber Risk in 2025” | Sponsored by Auditboard | April 10, 2025 “Ready for Tomorrow? From Defense to Prevention: Strengthening Your Liability Risk Management Approach” | Sponsored by Hub International | April 17, 2025 “Better Together: The Marriage of Insurable Risk and Business Continuity” | Sponsored by Riskonnect | April 24, 2025   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA | April 22‒23 Full RIMS-CRMP Prep Course Schedule   Upcoming Virtual Workshops: “Managing Worker Compensation, Employer's Liability and Employment Practices in the U.S.” | April 16‒17 | Instructor: Chris Hansen “Managing Data for ERM” | June 12 | Instructor: Pat Saporito  “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “RIMS Legislative Priorities in 2025 with Mark Prysock” “AI and Regulatory Risk Trends with Caroline Shleifer” “Financial Risk Management with Chris Willey of American Eagle FCU” “Maintaining an Award-Winning ERM Program with Michael Zuraw” “ERM in Banking & Finance with Eleni Willis”   Sponsored RIMScast Episodes: “Understanding Third-Party Litigation Funding” | Sponsored by Zurich (New!) “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog (New!) “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 Walmart ERM Director Michelle Black!   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: Crystal Trout, Director, Risk Services Advisory Group at Baker Tilly   Production and engineering provided by Podfly.  

**In this quick episode, Dr. Lisa Faast explains the FDA's recent decision about the tirzepatide shortage and what it means for pharmacies.** **Show Notes:** 1. **FDA Announcement on Turzepatide Shortage** [0:00] 2. **Impact on Compounding and Patient Care** [1:48] 3. **Strategies for Pharmacies to Increase Demand** [3:14] 4. **Final Thoughts and Call to Action** [5:02] Websites Mentioned: https://www.drlisafaast.com/ ----- #### **Becoming a Badass Pharmacy Owner Podcast is a Proud to be a Part of the Pharmacy Podcast Network**

Episodes will be published every Tuesday morning, going forward  : )Sponsors and friends of the podcast!Kurzban Kurzban Tetzeli and Pratt P.A.Immigration, serious injury, and business lawyers serving clients in Florida, California, and all over the world for over 40 years.Cerenade"Leader in providing smart, secure, and intuitive cloud-based solutions"Click me!The Pen & Sword College (formerly The Clinic at Sharma-Crawford Attorneys at Law) Use Promo Code: ImmReview2025Link to Nonprofit: https://thepen-and-swordkc.org/ Link to books: https://www.rekhasharmacrawford.com/ Stafi"Remote staffing solutions for businesses of all sizes"Promo Code: STAFI2025Click me!Want to become a patron?Click here to check out our Patreon Page!CONTACT INFORMATIONEmail: kgregg@kktplaw.comFacebook: @immigrationreviewInstagram: @immigrationreviewTwitter: @immreviewAbout your hostCase notesFeatured in San Diego VoyagerAll praise to the pod's wonderful editors!Luana Lima SerraYasmin LimaDISCLAIMER & CREDITSSee Eps. 1-200Support the show

The greatest challenge that formators face among seminarians is often replicated in the hearts of many Christian believers.  

On today's show, Cal and I break down and talk about update changes and the new hypercharges, and I share a huge announcement with everyone! Reach out to me if you need info or help with the brawling bros cup 6 If you would like to see your ideas implemented on this show reach out via ✉️ Email leonslegion@gmail.com Through apple podcasts or through the shows Qnas on Spotify! Your ideas are what keeps this show going! Here is the Club Server for anyone interested in our clubs https: https://discord.com/invite/DkhYvdjmDD link updated today Join the discord because it's Epic https://discord.com/invite/dR5CT9ABzd If you wanna add me here u go I UPDATED the link it works now!! https://link.brawlstars.com/invite/friend/en?tag=9VCGUJCQ8&token=hyt2s8d9 Thanks for listening to my show I appreciate you all. Thanks to everyone who listens to the show and shares it Y'all mean a ton to me! TWICH link is here! https://www.twitch.tv/brawlingbrospodPlease leave me a 5 Star review if you like the show! DONATIONS For this show are available and you can Donate through this link 100% of everything I get goes back to you all for prize money giveaways and much more! LINK FOR DONATIONS: https://www.paypal.me/Gdog233!♥️Join Go watch Episode 50 Here

We have an important update for you about the poddy, so make sure you tune in! We look back at the few interviews we've had and the difference in opinion from people on the best taco's in NZ. Nickson's been summoned to Jury Duty and the letter he's trying to use to get out of it is nuts. We show love to the Niuean community for Hologa festival last weekend, and Nickson gives a great breakdown on his thoughts about the Niu FM debacle that happened a few weeks back.

In this special bonus episode, we make an important announcement about On's presenting sponsorship of TrailCon. Soft-launching in 2024, TrailCon returns to Palisades Tahoe June 24th & 25th with the critical support of On - the Swiss running and performance brand that's been growing massively in recent years.   This episode is broken into two parts. In the first half, David Kilgore joins the show again. The Global Head of Outdoor Athlete Strategy, David has been a critical member of the On team for years. David speaks about the partnership from On's perspective and how the brand is thinking about the trail market generally.   In the second half, our TrailCon partners Brendan Madigan and Doug Emslie join to expand a bit on the format and the vision for what we hope TrailCon achieves in 2025.    TrailCon is completely FREE and open to the public. Registration can be found here.    Freetrail Links: Website | Freetrail Pro | Patreon | Instagram | YouTube | Freetrail Experts   Dylan Links: Instagram | Twitter | LinkedIn | Strava

On this episode, we're bringing you key details about the 2025 Mama Tried Show Week with some IMPORTANT VENUE CHANGES to the pre party events. Dont worry mama tried and flat out are in the same places as usual. Also a full recap of our time at The 1 Moto Show in Las Vegas. From epic bikes to unforgettable moments, we've got all the highlights.  #Motorcycles #MotoPodcast #BikerLife #TwoWheels #RideMore #MotorcycleCulture #MotorcyclePodcast #BikerTalk #MotoCommunity #TwoWheelsOneLove #MotorcycleStories #MamaTriedShow #1MotoShow #MotoEvents #BikeBuilders #CustomMotorcycles

“Those men who will again see Rama along with Sita, accompanied by the mighty-armed Lakshmana, returning home will be successful.” (Valmiki Ramayana, Ayodhya Kand, 72.38)

PLEASE CONSIDER DONATING ONCE OR MONTHLY!https://app.redcircle.com/shows/5bd95...Follow me everywhere:https://linktr.ee/KyleMatovcikTiger Fitness! Use code "KYLE" at checkout!https://www.tigerfitness.com/KyleMFox N' Sons Coffee!Https://www.foxnsons.comUse code KYLE at checkoutGet DEEMED FIT clothing! Use code "SARAHM25" at checkouthttps://deemedfit.co/?ref=bihbnoap&fb.Support this podcast at — https://redcircle.com/in-liberty-and-health/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

We haven't released an episode for a while so we wanted to let you know what is going on, As they say, all good things come to an end....listen to find out what is happening with Two Guys One Topic. Hosted on Acast. See acast.com/privacy for more information.

On tonight's podcast, we will share significant details about the future of Blue Ribbon and the podcast.

Here's how to ACTUALLY improve yourself without delusion this 2025. TRUTH BOMB- toxic productivity disguised as self-improvement will NOT make you accept yourself. It will just keep you in a poisonous cycle of feeling helpless. LUCKILY I created a space for us all to share ways we are getting our sh*t together- https://www.skool.com/get-your-shit-t... Here's the details: The community is free to all :) Days 0-7 are available NOW for early access, and are free to access :) (days 8-21 are $21) We will all COLLECTIVELY start January 6, 2025. There's a free worksheet for this video uploaded on the community I'M SO EXCITED FOR YOU TO SEE WHAT I'VE BEEN PREPARING ALL MY LINKS HERE- https://natalieetched.com/ Here's the Tea: 0:00-1:54 Introduction 1:55- 5:00 "obligation" 5:01-6:56 Energy Mapping 6:57-7:28 Daily Routines 7:29-9:30 "Attention Economy" (pay yourself first) 9:31-10:40 What ACTUALLY works 10:41-12:38 Cycle Syncing 12:39-15:12 Reset your space 15:12- 17:57 Important Announcement :)

Have a question? Click here. That's a wrap! What did season 22 hold? We focused on practical guidance across nutrition, healing, stress management, and aging well, both with solo episodes and guests.This season's categories fell into:Food and Nutrition Healing from Diet CultureStress ManagementAging WellPractical Health ToolsI also have a few announcements at the end, so stick around to hear those updates!Support the showJoin The Stronger Collective Nourished Notes Newsletter Core Essentials: Episode 1 2 3 430+ Non-Gym Ways to Improve Your Health (free download)Connect with Amy: GracedHealth.comJoin the Graced Health community on Facebook! Instagram: @GracedHealthYouTube: @AmyConnellJoin GracedHealth+ for virtual community meetups and bonus episodesLeave a one-time tip of $5...

We wrap up the year with a new case challenge. A 38-year-old radiology technician has a strange rash just above… his buttocks! Who's to blame? Was it the dog? Was it his job? Or is it the special person in his life? Also: Chris learns about socks! Yet also: we say the phrase “ass crack.” We had to! And also also: an important announcement.     Become a supporter of our show today either on Patreon or through PayPal! Thank you! http://www.patreon.com/thebodyofevidence/ https://www.paypal.com/donate?hosted_button_id=9QZET78JZWCZE   Email us your questions at thebodyofevidence@gmail.com.   Assistant researcher: Aigul Zaripova, MD Theme music: “Fall of the Ocean Queen“ by Joseph Hackl Rod of Asclepius designed by Kamil J. Przybos Chris' book, Does Coffee Cause Cancer?: https://ecwpress.com/products/does-coffee-cause-cancer   Obviously, Chris is not your doctor (probably). This podcast is not medical advice for you; it is what we call information.

Send us a textOn today's episode, I share important news about the future of this podcast before welcoming Charlotte, an emotional and narcissistic abuse survivor. Please note I only refer to Charlotte by her first name to protect her privacy. Charlotte and I have a lot in common because she too experienced narcissistic abuse in the workplace. As you'll hear throughout our conversation, almost every detail she described was eerily similar to my own Rolling Stone workplace story. The creepy boss ingratiating himself into her life, the lack of support from her colleagues, and the company's refusal to hold this man accountable for his actions. I am so proud of Charlotte for sharing her story on the podcast because it's one of the first baby steps she's been able to take toward healing. I hope her experiences will inspire other emotional abuse survivors to come forward. Exceptional Parents, Extraordinary ChallengesBeing a parent is challenging enough - parenting a child with extraordinary challenges...Listen on: Apple Podcasts SpotifySupport the showGet my free download, "Discover Your Brand Voice in 3 Easy Steps"Follow me on Instagram, Threads, and BlueSkyListen to the podcast on YouTubePlease support the show by buying me a coffee!You can also reach me through my professional websiteYou can also drop me a line at hello@sareneleedswrites.com or DM me on Instagram. Be sure to follow me there while you're at it, and don't forget to rate, review, and subscribe to this podcast on Apple Podcasts!Podcasting resources:Buzzsprout for podcast hosting and analyticsRiverside for remote video and audio recording

Hello Everyone! We have a very important announcement today. It's truly bittersweet, but we've decided to put the podcast on an indefinite hiatus. We may come back sometime in the future, but after 6 years we've decided to bring things to an end. We'll be continuing to release all of the episodes we already have recorded, but won't be releasing any more afterwards. Thank you all so much for such a good run. We love you all, and we'd love to see you over on the discord!

Enjoy 30% off of The Sleepy Bookshelf premium or any other premium plan in the Slumber Studios network! This deal is only available until December 6th, 2024, so don't wait. Start your 7-day free trial of The Sleepy Bookshelf Premium today, and enjoy our ad-free listening and our exclusive episodes: https://slumberstudios.com/premium⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Our AppsRedeem exclusive, unlimited access to premium content for 1 month FREE in our mobile apps built by the Slumber Studios team:Deep Sleep Sounds App: deepsleepsounds.com/bookshelfSlumber App: slumber.fm/bookshelf

Enjoy 30% off of Deep Sleep Sounds premium or any other premium plan in the Slumber Studios network! This deal is only available until December 6th, 2024, so don't wait. Start your 7-day free trial of Deep Sleep Sounds Premium today, and enjoy our ad-free listening and exclusive 8-hour episodes: https://slumberstudios.com/premium⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Our AppsRedeem exclusive, unlimited access to premium content for 1 month FREE in our mobile apps built by the Slumber Studios team:Slumber App: slumber.fm/deepsleepsounds

Enjoy 30% off of Send Me to Sleep premium or any other premium plan in the Slumber Studios network! This deal is only available until December 6th, 2024, so don't wait. Start your 7-day free trial of Send Me to Sleep Premium today, and enjoy our ad-free listening and our exclusive episodes: https://slumberstudios.com/premium⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Our AppsRedeem exclusive, unlimited access to premium content for 1 month FREE in our mobile apps built by the Slumber Studios team:Deep Sleep Sounds App: deepsleepsounds.com/sendmetosleepSlumber App: slumber.fm/sendmetosleep

Enjoy 30% off of Snuggle premium or any other premium plan in the Slumber Studios network! This deal is only available until December 6th, 2024, so don't wait. Start your 7-day free trial of Snuggle Premium today, and enjoy ad-free listening throughout our entire catalog: https://slumberstudios.com/premium

I'm extending my break through the end of the year. But don't worry, Campus Crime Chronicles will return in January 2025. Until then, I want to wish all my listeners a very Merry Christmas, Happy Holidays, and peace in the new year. Support this podcast at — https://redcircle.com/campus-crime-chronicles/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Enjoy access to any of our premium memberships with a 30% discount on all plans, available until December 6th 2024. Visit slumberstudios.com/premium to find out more and sign up with a 7-day free trial to begin. Both yearly and monthly subscriptions are valid for the discount. Get Sleepy Premium Get instant access to ad-free episodes and Thursday night bonus episodes by subscribing to our premium feed. It's easy! Sign up in two taps! Get Sleepy Premium feed includes: Monday and Wednesday night episodes (with zero ads). An exclusive Thursday night bonus episode. Access to the entire back catalog (also ad-free). Extra-long episodes. Exclusive sleep meditation episodes. Discounts on merchandise. We'll love you forever. Thank you so much for listening! Feedback? Let us know your thoughts! getsleepy.com/contact-us/. Get Sleepy is a production of Slumber Studios. Check out our podcasts, apps, and more at slumberstudios.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Jessica Sterling (@thejesssterling) and Sara Fergenson (@sarafergenson) as they discuss the 1994 film, North. Jess gives Sara a presentation on the movie which can be viewed on their brand new YouTube channel! Follow us on Twitter and Instagram at @shit90spod.Email us at shit90spod@gmail.comVisit our website at www.shit90spod.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Good morning, Roach Nation - welcome back to The Josh Potter Show. This week, Papa Roach takes a solo dive into the latest in Sports, News, and Home Improvement. Important Announcement: this year's ROACHY AWARDS SHOW will be replaced with a very special pageant… Please send your favorite local news clips & favorite local news ladies to JoshPotterShow@gmail.com ON THIS WEEK'S EPISODE: ★ Bills-Chiefs & Josh's 1st NFL Game  ★ Dodgers vs. Abuelas ★ Repairman Gotcha! ★ Bear Insurance Fraud ★ Teacher Owns Park  ★ And much more! ★★★ This week's Intro Music: “Meat Coverage” by Griff Parker Outro Music: “Live From The Roach Motel (feat. Hendawg)” by Brothers ★★★ See Josh Live! November 30th - Nietzsche's - Buffalo, NY December 6th - Chuckle Heads - Bisbee, AZ December 7th - The Kress Ultra Lounge - Yuma, AZ ALL STAND UP LINKS CAN BE FOUND HERE: https://thejoshpotter.com ★★★ Josh Potter

Bob Brennan Introduces a New AI-Powered Focus for the Podcast This episode marks a major milestone for the Local SEO Tactics podcast. Bob Brennan announces an important transition as he takes sole ownership of the show and unveils an exciting new direction. Learn how the podcast will blend SEO expertise with cutting-edge AI tools to revolutionize your digital marketing strategy. Explore upcoming topics, including AI-powered SEO, chatbots, content creation, and more. Join us as we embrace the future of marketing and help you take your business to new heights. Don't miss this exciting new chapter—subscribe today and prepare to transform your marketing with AI! https://www.localseotactics.com/  

The apostle John hears loud voices in heaven announcing one of the most important pieces of good news in history: God is king of the whole world, and He will be forever! Dr.Sarah Hall | November 17, 2024 ----------------------------------------------- We're Incarnation Tallahassee! Visit our website! www.incarnationtallahassee.org/
 Watch the Livestream youtube.com/live/ZSeuKYY3J2w

Hello, Piano Pod friends and listeners! Today is U.S. Election Day, and we're making a small adjustment to our usual release schedule. Instead of our biweekly episode scheduled for today, we're taking a brief pause to encourage everyone to vote and stay engaged with the election.Here's what's coming up:Season 5, Episode 5 with Mark Markham will now premiere on November 12th. Mark dives into the art of improvisation, piano technique, and his remarkable career as both a soloist and collaborator.Season 5, Episode 6, featuring Artina McCain, will follow on November 19th. Artina shares insights on advocacy, her support for underrepresented composers, and her dynamic approach to teaching and performance.Thank you for your understanding and support! Don't forget to subscribe so you won't miss these exciting conversations. See you on November 12th!

If you are an apple user that would like to receive downloads of our Spanish learning songs, worksheets and activities, and much more, please make sure to AVOID using the Patreon app in the Apple Store. Apple just announced a 30% charge for any payments made through any app downloaded through their app store (ugh) and we don't want you all to pay extra for something that you could get for the normal price. To get everything at the normal price, just visit www.Patreon.com/EatYourSpanish. Android users and Patreon supporters who are already subscribed are not affected!

In this special release of the Next Step Fantasy Football Podcast, we have some bittersweet news to share with you. After an amazing journey with all of you, we've decided that this will be our final season of the weekly podcast. Join us as we reflect on the incredible community we've built together, share what went into making this decision, and talk about our plans to make this last season unforgettable. We're committed to bringing you the best fantasy content through the end of the season, so let's make these final episodes the best yet! Thank you for being part of the Next Step family.https://www.youtube.com/@nextstepfantasyfootballpodcast/featuredFacebook: https://www.facebook.com/groups/273061708307921Discord: https://discord.gg/hFXaSangpv

JOIN THE SUBSCRIPTION - Our GIGI kids' story club subscription is open! Join today https://gigistoryclub.supercast.com/ Welcome to the GIGI Kids Story Club, where children can embark on exciting faith-filled adventures and grow spiritually every day! Each month, kids will enjoy two extra podcast episodes featuring fun-filled stories with Poppy and Esther, exploring new places and learning more about Jesus. They'll also receive a monthly 5-day audio devotional, designed to deepen their understanding of topics like fear, the 10 Commandments, and creation. Plus, every quarter, you'll get access to exclusive audiobooks filled with inspiring Christian stories perfect for family time or bedtime. As a bonus, kids will enjoy a Bi-Monthly Q&A, where Poppy and Esther answer their questions and share helpful tips. Join us on this exciting adventure of discovery, joy, and growing in Jesus! Poppy and Esther can't wait to welcome you! JOIN THE SUBSCRIPTION https://gigistoryclub.supercast.com/ Website: https://www.gigistorylibrary.com.au/ VISIT OUR WEBSITE music credit: http://www.purple-planet.com/  Email us: stories4gigi@gmail.com Write to us: GIGI KIDS STORIES PO BOX 6505 Upper Mt Gravatt Queensland Australia 4122

Vote for Shoujo Sundae!! Vote here: https://vote.signalaward.com/PublicVoting#/2024/shows/general/recaps Or find the link on our socials: @ShoujoSundae everywhere https://instagram.com/shoujosundae https://x.com/shoujosundae https://threads.net/shoujosundae https://bsky.app/profile/shoujosundae.bsky.social About Shoujo Sundae: Shoujo Sundae is a podcast safe haven for fans that are in love with shoujo anime and manga. Hosted by Giana Luna and Chika Supreme, Shoujo Sundae aims to review and reflect on shoujo properties that deserve more attention than what they currently receive.   Giana Luna is a podcaster by moonlight and a musician by daylight. Chika Supreme is a podcaster by moonlight and a social media manager by daylight. Find Shoujo Sundae wherever you listen to your podcasts: https://pod.link/1634859352 If you enjoyed this episode, SHARE it with a friend and RATE/REVIEW it on Apple Podcasts and Spotify! Connect with Giana, Chika, and Shoujo Sundae! Visit our website: http://shoujosundae.com  Pledge on Patreon: https://patreon.com/shoujosundae Shoujo Sundae's Social Media: https://linktr.ee/shoujosundae Send us an email: shoujosundaepodcast@gmail.com Follow Giana Luna on Twitter: https://twitter.com/Giana_Luna_  Follow her on Instagram: https://www.instagram.com/giana_luna_  Follow Chika Supreme on Twitter: https://twitter.com/ChikaSupreme  Follow her on Instagram: https://www.instagram.com/chikasupreme  A breakdown of the Shoujo Sundae segments: -A Soft Serve Summary (episode/film recap) -Sprinkles on Top (symbolism in the media) -Floats Your Boat (enjoyed moments) -Banana Split (split opinion or confusing moments)-Rocky Road (sad moments) -Nuts (shocking moments) -Hot Fudge (hot takes or angry rants) -I Scream, You Scream (disliked moments)

Thanks for all the support! We'll see you on the other side.Support the showFollow us @thetaleswetellpodcast on Facebook and Instagram, or thetaleswetellpodcast.comSupport us on Patreon: https://www.patreon.com/join/thetaleswetellpodcast?Click here for merch!

Laura announces big changes for the podcast, including a temporary hiatus until February 2025. She opens up about her personal journey with chronic health issues and how it has tremendously impacted her business and life. She also announces plans of opening new coaching slots for six-figure business owners needing assistance with business growth (email Laura at hello@getprofitableHQ.com for more info). Be sure to stay connected through the Get Profitable HQ email list for updates and exclusive content during the podcast break!Key Topics:(01:45) Taking a break; future plans for the podcast and membership(03:30) New coaching opportunities; get help with summits, email list-building, products, and more(09:00) The reason for the break; Laura's health journey(14:30) Emergency surgery; the recovery process; reshuffling life and priorities(19:20) The current status of Get Organized HQ; launching a new course(20:00) Trying to combine life and business as an entrepreneurYouTube Video: I Had Emergency Surgery & Health UpdateConnect with Laura:Getprofitablehq.comGetprofitablehq.com/the-profit-posse

In this episode, I am joined by Wolfgang Croskey for an in-depth discussion on hiring and our Crane community.   We discuss: (00:00:00) - Intro (00:03:40) - Hiring executives (00:12:05) - Integrating the new hire (00:20:46) - The WHO scorecard (00:25:18) - Using recruiters (00:27:48) - Hiring front-line and remote labor (00:40:08) - Crane   Learn more & connect with me here: ⁠Crane⁠, the private community for property management business owners. ⁠My Free PM Newsletter⁠ ⁠RL Property Management⁠   The content of this podcast is for informational purposes only and does not constitute professional advice. I may have consulting agreements with, or financial interests in, companies mentioned in this podcast. Additionally, some of the links included may be affiliate links, meaning I may earn a commission if you purchase through these links. Always perform your own due diligence before making any financial or business decisions.

An announcement of utmost importance, this is. Egmont Overture by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1200069 Artist: http://incompetech.com/

In the beginning of June we decided to make our summer premium episodes free for everyone for the whole summer and try monetize our podcast with ads.  Now that the summer's almost over we have decided to make a few changes to how we release new content. 1. First of all, all premium episodes will still be released for free on all podcast platforms.  However, a month after their initial release, they will be removed from the free feed and added to our paid episode archive which will be available on our Patreon page. For example, an episode released on the 1st of September will be removed from the feed on the 1st of October, etc. 2. After they're removed from the free feed, those of you who decide that they want to continue having access to our premium episodes (old and new) or have some extra materials to prepare for IELTS can sign up to our Patreon page and binge-listen to all the episodes that we've released since 2020 without any interruptions from ads. 3. These changes will allow US to have a more sustainable revenue stream and at the same time will allow YOU to continue listening to all our premium episodes for free ❤️ We think it's a win-win

PHOTOS ON INSTAGRAM, FACEBOOK, TIKTOK AND YOUTUBE!!!Thanks to the Conjuring movie, Bathsheba's headstone was desecrated. But thanks to the efforts of some amazing people, it has been replaced!J'aime's Bloghttps://dreamingcasuallypoetry.blogspot.com/2019/07/bathsheba-shermans-vindication.htmlTruth or Demons Podcast Social Medias:Facebook: https://www.facebook.com/profile.php?id=100088275146683&mibextid=LQQJ4dInstagram: https://www.instagram.com/truthordemonspodcast?igsh=dWN3ajAwejF4Ynd1&utm_source=qrTikTok: https://www.tiktok.com/@truthordemonspodcast?_t=8pNxtBciUql&_r=1AND YouTube: https://youtube.com/@truthordemonspodcast?si=Na4oppKfEDbABwmO --- Support this podcast: https://podcasters.spotify.com/pod/show/truthordemonspodcast/support

We're talking about the only songwriting tip that ultimately matters and an important announcement. ►► Download the 20 Ways To Start Writing A Song Cheat Sheet here: http://songwritertheory.com/freeguide/

Jon talks about cutdown day, the Steelers 53-man roster and several players cut from other teams that Pittsburgh could consider adding, before making an important announcement. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This is not exactly the final episode, but there are some very important changes coming to the podcast. We spill some tea and tell some truths in our full length episode -- available to the public on Patreon right now, no membership needed. There is so more to our story over the past two years, so check out the sordid true crime life and times of this very podcast. Moving forward all of our new episodes will be available on Patreon for $1 a month (25 cents per episode), or on Apple Subscription (which includes bonus content), all ad-free. This is goodbye to the main feed, but we hope you join us on this new journey and new model of podcasting.  Join us on Patreon here: https://www.patreon.com/rabiaandellyn Please be sure you are following us on instagram: @rabiaandellyn @ellynmarsh @rabiasquared2 And join our facebook : https://www.facebook.com/share/g/T4Cy1zTuxx8e6C7o/?mibextid=K35XfP

We are taking a break until Monday October 7th!  Until then have a mayhem free couple of weeks! 

TRANSCRIPT: These are uncertain times for those of us who create and freely share content via the Internet. I mentioned on the podcast earlier this year that I needed some time to assess the impact of all the changes happening in the world of digital information, including the widespread, unregulated use of AI. At that time, I removed the show from a couple of the larger platforms, and stopped releasing new episodes to those platforms. Unfortunately, many smaller platforms were also affected. And that's made it a lot harder for the show to be found by new listeners, which is a dilemma I'm still wrestling with.  Because it's become clear that even more changes are necessary to protect the integrity of this podcast, even while making sure that you, the listener, can still access it. So here's the current plan.  Starting with Episode 177, which will be released on July 29th, 2024, new episodes will appear in more places, but with certain exceptions, they will expire when the next episode is released. And beginning immediately, I'm going to start expiring some of the older episodes – again, with certain exceptions. Namely, the following:  - If you're used to listening to the videos on our YouTube channel, or ... - If you listen on the Reconnection Club website... Nothing will change for you. There will be no expiration and you can disregard this entire announcement. (Again, that is if you listen on either our YouTube channel, or our website.) However, if you use a podcast player app like iHeartRadio or Pocket Casts, then new episodes starting with 177 will typically be available for only two weeks, and then they will expire.  There are ways to get around that two-week time limit. Within those first two weeks, you should still be able to download episodes and keep them for however long you want, depending on the app. Please check on that directly with your app. I don't have that information. But if you ever lose an episode or can't find one that you're looking for, remember you can always find every single episode, old and new, on the Reconnection Club website, at reconnectionclub.com/podcast, or by episode number, for example, "reconnectionclub.com/130" for Episode 130. Or, subscribe to our YouTube channel for free and listen there. I know that episode expiration will not be a welcome change, and I thank you for your understanding and patience as I try to strike a balance between limiting unauthorized access by AI, and preserving your access to the podcast as a listener.  I also thank you for sharing the Reconnection Club Podcast with other parents experiencing unwanted estrangement from their adult children.  Thank you for your continued support in these challenging times. 

Tune in to this episode to learn more about the decision Pastor Ben Rudolph has made that impacts his life and LIFE.