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You Shut The The Lion's Mouth Hungry lions are destructive, yet when you're in right standing with God, what devours others is at peace with you! The hungry lions did not touch Daniel, yet, jumped up into the air to devour the men who threw Daniel in! He was steadfast before the time of trial. He was prepared in faith ahead of time. 2 Thess. 3:3 The Lord is faithful who will establish you and guard you from the evil one. Phil. 1:6 Being confident of this very thing, that He who has begun a good work in you will complete it. You may not have time in the trial to build up the faith you need to overcome the attack, that is why before the trial, it is important to build your faith against opposition. King Darius issued an edict that no one could pray to anyone but him. Yet Daniel remained faithful to God, even though it could cost him his life. Daniel prayed to the Lord, and did not try to hide it, and was still thrown into the lion's den. The lions were hungry, they were purposely not fed, yet they did not touch Daniel! Daniel 6 shut the opposition, shut the lions mouth, prepare yourself, pray, stand in truth, Christian, Bold for Jesus, www.houseofglorychurch.org www.cathycoppola.org May 10th, 2025
You Shut The The Lion's Mouth Hungry lions are destructive, yet when you're in right standing with God, what devours others is at peace with you! The hungry lions did not touch Daniel, yet, jumped up into the air to devour the men who threw Daniel in! He was steadfast before the time of trial. He was prepared in faith ahead of time. 2 Thess. 3:3 The Lord is faithful who will establish you and guard you from the evil one. Phil. 1:6 Being confident of this very thing, that He who has begun a good work in you will complete it. You may not have time in the trial to build up the faith you need to overcome the attack, that is why before the trial, it is important to build your faith against opposition. King Darius issued an edict that no one could pray to anyone but him. Yet Daniel remained faithful to God, even though it could cost him his life. Daniel prayed to the Lord, and did not try to hide it, and was still thrown into the lion's den. The lions were hungry, they were purposely not fed, yet they did not touch Daniel! Daniel 6 shut the opposition, shut the lions mouth, prepare yourself, pray, stand in truth, Christian, Bold for Jesus, www.houseofglorychurch.org www.cathycoppola.org May 10th, 2025
00:00 - Intro02:17 - The Best Way to Prepare Yourself for An Upcoming Operation 08:39 - Maximizing the ONLY Kettlebell You Have 12:57 - Squat Standards Before Mass Made Simple and The Best Way to Squat in MMS 19:34 - Dan John's Favorite Fermented Foods 26:10 - When You Can't Finish a Workout… 32:50 - What to Do in Rest Days During ABC38:13 - Preventing Wrist and Elbow Discomfort During Kettlebell Training40:19 - Developing Speed and Agility Over 4045:36 - Doing Deadlifts to Improve Squats ► Personalized workouts based on your schedule, ability, and equipment options. http://www.DanJohnUniversity.com. ► If you're interested in getting coached by Dan personally, go to http://DanJohnInnerCircle.com to apply for his private coaching group. ► Go to ArmorBuildingFormula.com to get Dan's latest book.
Join us on a transformative journey into the morning rituals of Stoicism. In this 22-minute deep dive, explore how to harness the power of mornings to wake up early with energy and intention. Whether you're a philosopher at heart or seeking personal growth, these timeless strategies will inspire you. Join The Stoic Guild™ for exclusive ad-free episodes, early access, and bonus content. Members also choose our episode topics!
Prepare Yourself! Your steps backward are prepping you to be rocketed forward. Ever feel like you are being held down, pushed backwards, not making forward progress? I've been there and it can be so frustrating! Sometimes it feels like you are never going to get back to where you were or progress any further What I have learned over these past 12 years of setbacks and surgeries, backward movement and disappointment, is that whenever I have gone through those moments, sooner or later, I am back to where I once was AND usually further along than I could've ever imagined…and sometimes down a path I would never have seen. Sometimes these “valleys” take days , weeks or even months. Mine lasted 5 years of hoping and praying that life would cut me a break…little did I know that a simple pop of my MCL in a karate graduation would amount to an amputation 5 years later, and some of the most profound and wonderful moments of my life!!! We need to remember that when we have setbacks- they won't last forever, and that these setbacks are stressing us to launch us into something greater than we could ever have fathomed. Prepare yourself; your heart, mind and body, for something great to happen. Don't get down and give up, instead be prepared for your launch! Be prepared for something amazing and spectacular to happen on your life. Setbacks are a way to a new path and usually one that sets us up for greatness. Be prepared to be launched!! This week starts mentally preparing yourself for your launch, especially if you feel that you've been knocked down or held back by some illness, frustration, situation in your life. Start seeing what could be and what might happen and see the positive side, get excited for change to come and push you further than you could ever believe you'd go. Sometimes just preparing our minds to accept change that might come can manifest itself into reality. “If you can think it you can do it” sort of scenario. Don't get down, just know that you are being stressed and stretched to be sling shot forward into a whole new situation with all new possibilities. Just know that you won't be where you are forever. You are being prepared to experience a forward movement and back to climbing to that mountain top. I hope you have a beautiful week ahead. And as always. Be Healthy, Be Happy, Be YOU!! much love, Angie #bawarrior360 #believinginyourself #limbloss #podcast #personaljourney #launch #setbacksaresetups #prepareyourself #amputeelife #ampstrong #valleystomountaintops #slingshot
In today's fast-paced world, it's easy to get caught up in the hustle and bustle of daily life, leaving little time or energy to prepare our hearts and minds for the Sunday worship assembly. We often show up to church gatherings feeling distracted, exhausted, or preoccupied with the cares of the world. This episode of the Radically Christian Bible Study Podcast tackles these challenges head-on, exploring practical ways to cultivate a mindset that is truly focused on worshiping God and encouraging our fellow believers. The post How to Prepare Yourself for Worship with Daniel Dalp appeared first on Radically Christian.
Ready to activate your Light Body with Light Language and Quantum Healing? Are you a fan of energetically clearing your path forward? Are you a fan of having a space to support your ascension process? Are you a fan of weekly energetic shifts and up levels? Are you a fan of releasing energy that is not serving your up level? Are you a fan of Light Language + Quantum Healing magic? Are you a fan of walking around with high vibe energy that helps you manifest your best life? Join Quantum Healing membership for $22.22 - Click below to join https://melissa-bates-73d3.mykajabi.com/offers/p2FkaqCi/checkout If you're desiring more support to move forward. Check out my divine services below. ____ Light Language Academy - Academy https://www.melissabbates.com/lightlanguageacademy ____ Light Language Summit - San Diego, CA - Sept 2024 https://www.melissabbates.com/lightlanguagesummit888 ____ Light Language Bali Retreat 2024 https://www.melissabbates.com/baliretreat ____ Money Embodiment - 5 Week Expansion - $555 https://www.melissabbates.com/moneyembodiment ____ 1:1 - Prepare Yourself for Success Session - $222 https://melissabbates.as.me/successshift ____ 1:1 - Receptivity to Receiving Energetic Shift Session - $122 https://melissabbates.as.me/receptivity ____ 1:1 - Nervous System + Abundance Rest - $222 https://melissabbates.as.me/nervoussystemreset ____ 1:1 - Soul Blueprint Reading - $222 https://melissabbates.as.me/soulblueprint888 ____ 1:1 Spiritual Business Expansion + Coaching https://melissabbates.as.me/biz555 INSTAGRAM: Melissabbates_
Hello Beautiful Soul, This is a powerful channeled message to help you shift, elevate, and expand on a multi-dimensional level. Let's Play!!! I love, I love you and and you're damn amazing. Feel free to check below with how I can support you on your absolutely profound journey across all time and space. Light Language Academy - Academy https://www.melissabbates.com/lightlanguageacademy ____ 1:1 Light Language Attunement https://melissabbates.as.me/schedule/3d445939/appointment/30193286/calendar/2841271 ____ Light Language Summit - San Diego, CA - Sept 2024 https://www.melissabbates.com/lightlanguagesummit888 ____ Light Language Bali Retreat 2024 https://www.melissabbates.com/baliretreat ____ 1:1 Quantum Light Language Spinal Session https://melissabbates.as.me/nervoussystemreset ____ Money Embodiment - 5 Week Expansion - $555 https://www.melissabbates.com/moneyembodiment ____ 1:1 - Prepare Yourself for Success Session - $222 https://melissabbates.as.me/successshift ____ 1:1 - Receptivity to Receiving Energetic Shift Session - $122 https://melissabbates.as.me/receptivity ____ 1:1 - Nervous System + Abundance Rest - $222 https://melissabbates.as.me/nervoussystemreset ____ 1:1 - Soul Blueprint Reading - $222 https://melissabbates.as.me/soulblueprint888 ____ Monthly Quantum Healing Membership - $22 https://melissa-bates-73d3.mykajabi.com/offers/p2FkaqCi/checkout ____ - 1:1 Spiritual Business Expansion + Coaching https://melissabbates.as.me/biz555
Release your limitation around Light Language 1. Inner Child 2. Past Timelines 3. Fears of being seen & heard Amplify your Light Language What do you love about Light Language and your gift & or potential gift with it Meditate more often to activate and receive more codes Receive it to become more comfortable with the modality The power of pairing Light Language, Channeling, and Healing all together Apply for the Light Language Academy Scholarship Below: https://form.jotform.com/232315085659157 ____ Light Language Academy - Academy https://www.melissabbates.com/lightlanguageacademy ____ Light Language Summit - San Diego, CA - Sept 2024 https://www.melissabbates.com/lightlanguagesummit888 ____ Light Language Bali Retreat 2024 https://www.melissabbates.com/baliretreat ____ Money Embodiment - 5 Week Expansion - $555 https://www.melissabbates.com/moneyembodiment ____ 1:1 - Prepare Yourself for Success Session - $222 https://melissabbates.as.me/successshift ____ 1:1 - Receptivity to Receiving Energetic Shift Session - $122 https://melissabbates.as.me/receptivity ____ 1:1 - Nervous System + Abundance Rest - $222 https://melissabbates.as.me/nervoussystemreset ____ 1:1 - Soul Blueprint Reading - $222 https://melissabbates.as.me/soulblueprint888 ____ Monthly Quantum Healing Membership - $88 https://melissa-bates-73d3.mykajabi.com/offers/YD8ybBon/checkout ____ 1:1 Spiritual Business Expansion + Coaching https://melissabbates.as.me/biz555
Hello Beautiful Soul, This is a powerful channeled message to help you shift, elevate, and expand on a multi-dimensional level. Let's Play!!! I love, I love you and and you're damn amazing. Feel free to check below with how I can support you on your absolutely profound journey across all time and space. Apply for the Light Language Academy Scholarship Below: https://form.jotform.com/232315085659157 Light Language Academy - Academy https://www.melissabbates.com/lightlanguageacademy ____ Light Language Summit - San Diego, CA - Sept 2024 https://www.melissabbates.com/lightlanguagesummit888 ____ Light Language Bali Retreat 2024 https://www.melissabbates.com/baliretreat ____ Money Embodiment - 5 Week Expansion - $555 https://www.melissabbates.com/moneyembodiment ____ 1:1 - Prepare Yourself for Success Session - $222 https://melissabbates.as.me/successshift ____ 1:1 - Receptivity to Receiving Energetic Shift Session - $122 https://melissabbates.as.me/receptivity ____ 1:1 - Nervous System + Abundance Rest - $222 https://melissabbates.as.me/nervoussystemreset ____ 1:1 - Soul Blueprint Reading - $222 https://melissabbates.as.me/soulblueprint888 ____ Monthly Quantum Healing Membership - $88 https://melissa-bates-73d3.mykajabi.com/offers/YD8ybBon/checkout ____ - 1:1 Spiritual Business Expansion + Coaching https://melissabbates.as.me/biz555
Hello Beautiful Soul, This is a powerful channeled message to help you shift, elevate, and expand on a multi-dimensional level. Let's Play!!! I love, I love you and and you're damn amazing. Feel free to check below with how I can support you on your absolutely profound journey across all time and space. Money Embodiment - 5 Week Expansion - $555 https://www.melissabbates.com/moneyembodiment ____ Light Language Academy - Academy https://www.melissabbates.com/lightlanguageacademy ____ Light Language Summit - San Diego, CA - Sept 2024 https://www.melissabbates.com/lightlanguagesummit888 ____ Light Language Bali Retreat 2024 https://www.melissabbates.com/baliretreat ____ 1:1 - Prepare Yourself for Success Session - $222 https://melissabbates.as.me/successshift ____ 1:1 - Receptivity to Receiving Energetic Shift Session - $122 https://melissabbates.as.me/receptivity ____ 1:1 - Nervous System + Abundance Rest - $222 https://melissabbates.as.me/nervoussystemreset ____ 1:1 - Soul Blueprint Reading - $222 https://melissabbates.as.me/soulblueprint888 ____ Monthly Quantum Healing Membership - $88 https://melissa-bates-73d3.mykajabi.com/offers/YD8ybBon/checkout ____ - 1:1 Spiritual Business Expansion + Coaching https://melissabbates.as.me/biz555 ____ - Support Your Daily Frequency with Healy https://www.healy.shop/?partnername=0270-7947-2123
Hello Beautiful Soul, This is a powerful channeled message to help you shift, elevate, and expand on a multi-dimensional level. Let's Play!!! I love, I love you and and you're damn amazing. Feel free to check below with how I can support you on your absolutely profound journey across all time and space. 1:1 - Prepare Yourself for Success Session - $222 https://melissabbates.as.me/successshift ____ 1:1 - Receptivity to Receiving Energetic Shift Session - $122 https://melissabbates.as.me/receptivity ____ 1:1 - Nervous System + Abundance Rest - $222 https://melissabbates.as.me/nervoussystemreset ____ 1:1 - Soul Blueprint Reading - $222 https://melissabbates.as.me/soulblueprint888 ____ - Light Language Academy - Academy https://www.melissabbates.com/lightlanguageacademy ____ - Light Language Summit - San Diego, CA - Sept 2024 https://www.melissabbates.com/lightlanguagesummit888 ____ - Light Language Bali Retreat 2024 https://www.melissabbates.com/baliretreat ____ Monthly Quantum Healing Membership - $88 https://melissa-bates-73d3.mykajabi.com/offers/YD8ybBon/checkout ____ - 1:1 Spiritual Business Expansion + Coaching https://melissabbates.as.me/biz555 ____ - Support Your Daily Frequency with Healy https://www.healy.shop/?partnername=0270-7947-2123
Hello Beautiful Soul, This is a powerful channeled message to help you shift, elevate, and expand on a multi-dimensional level. Let's Play!!! I love, I love you and and you're damn amazing. Feel free to check below with how I can support you on your absolutely profound journey across all time and space. Workshop - Releasing Your Financial Upper Limits - $55 https://melissabbates.as.me/releasingyourfinancial ____ 1:1 - Prepare Yourself for Success Session - $222 https://melissabbates.as.me/successshift ____ 1:1 - Receptivity to Receiving Energetic Shift Session - $122 https://melissabbates.as.me/receptivity ____ 1:1 - Nervous System + Abundance Rest - $222 https://melissabbates.as.me/nervoussystemreset ____ 1:1 - Soul Blueprint Reading - $222 https://melissabbates.as.me/soulblueprint888 ____ Light Language Infused Abundance Water Bottles https://www.melissabbates.com/shop ____ - Light Language Academy - Academy https://www.melissabbates.com/lightlanguageacademy ____ - Light Language Summit - San Diego, CA - Sept 2024 https://www.melissabbates.com/lightlanguagesummit888 ____ - Light Language Bali Retreat 2024 https://www.melissabbates.com/baliretreat ____ Monthly Quantum Healing Membership - $88 https://melissa-bates-73d3.mykajabi.com/offers/YD8ybBon/checkout ____ - 1:1 Spiritual Business Expansion + Coaching https://melissabbates.as.me/biz555 ____ - Support Your Daily Frequency with Healy https://www.healy.shop/?partnername=0270-7947-2123
PREPARE YOURSELF! This review is not for the faint of heart. The team has been rattled by this latest Oscar winning movie they watched.
In this episode Pastor Dale discusses his message, "Prepare Yourself", from the Days of Heaven on Earth series. By putting forth effort to prepare ourselves for the flow of heaven, we position ourselves to receive God's blessings. However, when we fail to ready ourselves and do not honor the things of God, we risk missing out on the fullness of His plan for our lives and for this season.•Have a question or comment? Feel free to email us at: GraceCast@graceforyou.com. To access the full message Pastor Dale references in this episode, visit: https://subspla.sh/ps362vk
Hello dearest of dear listeners! Apologies for the late release of this week's episode, but we're finally here! This is the season finale of Season 4 of The Guitar Nerds Podcast, and Matt and I are going to top off the year by discussing all the Reverb.com best sellers of 2023! From the incredibly popular Strymon Cloudburst, to the Fender killing PRS SE Silver Sky!We'll also be discussing the Lewitt LCT-440 Pure VIDA microphone, which I personally believe to be the best microphone for the money on planet earth! I've recorded a track this week, using only the VIDA, and you can hear just how fabulous it sounds! Have a wonderful Christmas! The Guitar Nerds GEAR OF THE YEAR is coming soon! PREPARE YOURSELF!!! Hosted on Acast. See acast.com/privacy for more information.
Have you encountered challenges managing the cash flow amidst seasonal changes within your business? In this episode, Danielle shares the solution, and it's called the KSA framework. Discover how this framework can guide you through different business seasons. Tune in now as Danielle shares the secrets to managing and optimizing your finances, ensuring your business sails smoothly in every season. Topics Discussed: Intro (0:00) Client's Example: Successfully Launched a Retail Location Despite Seasonality (0:59) Introducing Framework (4:22) Step One: Identify Seasonality (4:46) Step Two: Identify the Type of Seasonality (5:25) Step Three: Prepare (8:08) Money Mindset Mastery Framework (10:44) Save for Tax Reserve and Get a Line of Credit (11:46) Prepare Yourself for Downtime (13:18) Strategies during Peak Months (15:10) Step Four: Manage Your Mindset (17:28) For help with your business finances and more, visit: https://kickstartaccountinginc.com/get-started/ Connect with Danielle: Instagram | @Daniellehayden__OH Instagram | @Kickstartaccounting Website | Kickstart Accounting, Inc. Facebook | Kickstart Accounting, Inc. Get Started Today: https://kickstartaccountinginc.com/get-started
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. Justin interviews Katherine Henry, Partner and Chair of the Policyholder Coverage Practice of Bradley, Arant, Boult, and Cummings in today's episode. Katherine will be one of the presenters in the January 4th RIMS webinar, Nevada's “Defense Within The Limits” Ban Explored. Justin and Katherine explore the risk trends of 2023 and what she expects from 2024. Next, they cover the upcoming webinar on Nevada's new liability insurance “Defense Within The Limits” ban, what the effects of the ban are, and how the ban is expected to spread to other states. Katherine concludes with how she and her co-presenter at the webinar, Mark Habersack, expect to elaborate on this topic. Listen in for a professional perspective on risk trends for 2024. Key Takeaways: [:01] About RIMScast. [:14] Public registration for RISKWORLD 2024 is now open. Explore infinite opportunities with RIMS from May 5th through May 8th, 2024, in San Diego, California. Register at RIMS.org/riskworld. [:31] In today's episode, we will be rejoined by our good friend, Katherine Henry, of the law firm Bradley, Arant, Boult, and Cummings, to discuss legal trends from 2023 and what risk managers should expect in 2024. [:58] The RIMS-CRMP is the only competency-based risk management credential. That matters because earning the certification shows employers and recruiters that you have the skills necessary to manage risk and create value for your organization. [1:14] Several Exam Prep virtual workshops are coming up, starting on December 13th and 14th with former RIMS president, Chris Mandel. On January 13th, 20th, and 27th, 2024, the RIMS-CRMP Exam Virtual Workshop will be presented in conjunction with Conrad Clark Nigeria. [1:37] The RIMS-CRMP-FED Exam Prep Virtual Workshop will be held on January 30th and February 1st. That's a two-day course. Visit the certification page on RIMS.org for more information. A link is on this episode's show notes. [1:54] RIMS is gearing up for awards season. At RISKWORLD 2024, we will honor individuals, organizations, and chapters for their outstanding achievements in risk management. If you know someone who is truly making an impact on the risk profession and paving the way for future generations, consider drafting a nomination! [2:13] The deadline to submit award nominations is Friday, January 5th, 2024. A link to the awards applications and guidelines page is in this episode's show notes. Go to RIMS.org's About Us page and see the awards link there. Nominations for Risk Manager of the Year have closed but other awards might appeal to you or a friend. [2:41] Katherine Henry is the Partner and Chair of the Policyholder Coverage Practice at Bradley, Arent, Boult, and Cummings, a national law firm. Katherine and I will discuss the trends that drove the legal and risk professions in 2023, what to expect in 2024, and Nevada's Defense Within the Limits ban that may set a precedent for other U.S. states. [3:12] Katherine is one of the two presenters of an upcoming RIMS webinar called Nevada's “Defense Within The Limits” Ban Explored, on January 4th, 2024 at 1:00 p.m. It will be presented by the RIMS Public Policy Committee. Register now, especially if you're a RIMS member! This is going to be a big deal for you! [3:37] Katherine Henry, welcome back to RIMScast! [4:25] Katherine says risk managers have been really busy in 2023. She thinks first of cyber risk and cyber insurance. Insurers are getting their hands around it and premiums have escalated. Risk managers are finding they have to bring in IT and other folks to answer the much more complex questions on cyber. The cost of breaches has gone up. [5:40] Katherine discusses recent big hacks. One of the biggest risks lies with your vendors. Insurers are looking at that when setting your premiums. [6:19] Another big problem in 2023 is supply chain. It has become more difficult to insure it. It is difficult to procure business interruption insurance. Many insurers have left this market. Risk managers deal with this by eliminating sole sourcing and JIT warehousing. You have to have more goods and more local warehouse space available. [7:55] AI is the next big risk on Katherine's mind. The National Association of Insurance Commissioners (NAIC) has been looking at AI for quite a few years and its impact on insurance. Insurers have implemented AI chat boxes in personal lines. For risk managers, the question is what are we going to see in commercial lines? [8:41] Insurers may be able to use AI to assess damages better and to move more quickly. Risk managers will be dealing more with computerized platforms than individuals in the underwriting process. That's a few years away. Because AI is being integrated into so many platforms, it's a liability insurance risk for organizations. [9:55] Climate change is another major concern Katherine has. We see its impacts on agriculture in what you can grow and where you can grow it. The effect on sea levels in ports is a concern. It will affect living conditions around the world. It will continue to be a high-level concern for risk managers. [10:42] Katherine brings up the wars as another big concern for risk managers. Events have been canceled because of protest risk. We don't know the eventual impact of the Israel and Hamas conflict. Russia has agricultural and oil risks. There is the risk of war with China and Taiwan. [11:29] Swine flu and pneumonia are concerns now. There are respiratory illnesses among children in China. Illnesses and protests present physical risks. [12:41] RIMS plug time! RIMS Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. On January 16th and 17th, 2024, our friend and former RIMS president Chris Mandel will lead a two-day course, Captives as an Alternate Risk Financing Technique. [13:02] On January 23rd and 24th, our friend Gail Kyomura will return to host Fundamentals of Insurance. Information about these workshops and others is on the RIMS Virtual Workshops page. Check it out and register! [13:18] On December 12th, Prepare Yourself for the New Generation of Risk with Riskonnect. On December 14th, Aon will be Addressing Today's Risks While Preparing for the Risks of Tomorrow. On January 4th, RIMS's Public Policy Committee will explore Nevada's “Defense Within The Limits” Ban. That's why Kathy Henry joins us today. [13:44] On January 16th, RIMS will present How Risk Managers Can Combat Human Trafficking In 2024. I'll be hosting that session and will be joined by three expert panelists. I'm really looking forward to delivering this session and reaching you all. [14:00] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [14:38] It's difficult for organizations to take a political stand. People come at them from both sides. They are also challenged when they don't take a position. It's hard for organizations to know the right position to take. That's an organizational risk. You can't please all the people all the time. [15:38] Runaway or out-of-control verdicts are a risk when you take a case to a jury. Something that should be resolved for $1 million or two could be a $40 million liability. Insurers are aware of this. Katherine warns risk managers to give notice to their tower of excess insurance when a risk comes up that could be subject to a “nuclear” verdict. [16:48] Justin brings up nuclear verdicts in connection with recent PFAS settlements. RIMS did a webinar about it a month ago. Very high settlements open the door for future litigation or actions. Justin reads from Reuters on November 26th about a U.S. appeals court ruling protecting 3M and other companies in PFAS litigation from a class action. [19:11] Katherine Henry will be co-hosting a webinar on January 4th, Nevada's “Defense Within The Limits” Ban Explored. Katherine Henry and Mark Habersack are going to explore this ban. [19:33] Katherine gives a high-level overview of the ban. There are two types of liability policies. One includes a defense that is outside the limits; other policies put the cost of defense inside the policy limits. A $5 million policy within the limits provides $5 million to pay defense and damages. [20:11] The Nevada legislature wrote a new law that every liability policy in Nevada must include defense outside of limits, so insurers have an unlimited obligation to defend you until the case is resolved. The Webinar will talk about what caused that to happen in Nevada, what the potential solutions are, and the potential implications around the U.S. [21:06] This legislation overturns the business relationship between insurers and insureds. Insureds will no longer be able to purchase less expensive defense within-limits policies. That change has immense financial consequences. Justin will be the host for that webinar. [21:30] The legislation sets a time for this change to occur. Businesses need time to place liability coverage. Risk managers's jobs have changed greatly from what they were 20 years ago when they were purchasing insurance and working with insureds. Now they're assessing their enterprise's risk. There will be a lot of work for 2024. [22:28] Justin thanks Katherine Henry for joining us. [22:42] Special thanks to Katherine Henry for joining us on RIMScast! You'll hear more from Katherine on January 4th, 2024 during the RIMS Webinar Nevada's “Defense Within The Limits” Ban Explored. She will be joined by former RIMS Nevada Chapter President, Mark Habersack. Register at RIMS.org/webinars and the link in the show notes. [23:07] Go to the App Store and download the RIMS App. This is a special members-only benefit. Everybody loves the RIMS App! [23:33] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [24:17] 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. The RIMS app is available only for RIMS members! You can find it in the App Store. [24:42] 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. [24:59] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com and in print, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [25:21] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Mentioned in this Episode: Riskworld 2024 — San Diego, CA | May 5–8, 2024 RIMS Riskworld Award Nominations — Jan. 5, 2024, is the deadline to submit nominations! RIMS-Certified Risk Management Professional (RIMS-CRMP) NEW FOR MEMBERS! RIMS Mobile App Spencer Educational Foundation — Grants Page Embrace The Unknown: Unleashing the Power of Risk | Hosted Live & In-Person by RIMS NZ & PI | Feb. 12, 2024 Dan Kugler Risk Manager on Campus Grant RIMS Risk Management Magazine: ERM Special Edition 2023 RIMS Webinars: Prepare Yourself for the New Generation of Risk | Sponsored by Riskonnect | Dec. 12, 2023 Addressing Today's Risks While Preparing for Tomorrow | Sponsored by Aon | Dec. 14, 2023 Nevada's “Defense Within The Limits” Ban Explored | Presented by RIMS Public Policy Committee | Jan. 4, 2024 How Risk Managers Can Combat Human Trafficking In 2024 | Presented by RIMS | Jan. 16, 2024 RIMS.org/Webinars Upcoming Virtual Workshops: Fundamentals of Insurance | Dec 12 See the full calendar of RIMS Virtual Workshops All RIMS-CRMP Prep Workshops — Including Chris Mandel's Dec 13–14 Course Related RIMScast Episodes: “RIMS Public Policy and Advocacy 2023” “Emerging Cyber Trends with Davis Hake of Resilience” “Fleet Safety with Nets Executive Director Susan Gillies-Hipp” “Cybersecurity Awareness Month with Pamela Hans of Anderson Kill” “Betting It All On Risk: Mark Habersack, Heart of RIMS Award Recipient 2021” Sponsored RIMScast Episodes: “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response (New!) Cyclone Season: Proactive Preparation for Loss Minimization | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL 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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Chris Mandel! Spencer Educational Foundation RIMS DEI Council RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts. Have a question or suggestion? Email: Content@rims.org. Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn. About our guest Katherine Henry Bradley, Arant, Boult, and CummingsKatherine Henry is the Chair of the Policyholder Insurance Coverage team. Katherine's practice focuses on meeting clients' business objectives in matters involving insurance. She regularly advises Fortune 10 and other companies on complex insurance programs involving manuscript and specialty policies, including programs with multi-national coverage towers of $500 million to $1 billion, and programs incorporating various risk transfer and financing mechanisms, such as fronting programs, paid deductible programs, and collateral agreements. Her practice spans all aspects of policyholder insurance coverage, from initial policy placement and renewals to claims management and litigation, both in the United States and abroad. Her past and present policyholder clients include two of the world's largest automakers, the world's largest home improvement specialty retailer, an auto insurance company, a vacuum cleaner manufacturer, a quasi-governmental defined benefit plan, numerous healthcare-related entities, a private-equity investment firm, various banks and financial institutions, and a national trade association for the gases and welding industry. Tweetables (Edited For Social Media Use): For risk managers, this is really important. One of the biggest risks lies with your vendors, your third-party vendors. That can be the weak point. — Katherine Henry There's been a case reported of swine flu in the UK, now. There are these respiratory illnesses among children in China. It's not a pandemic but it's still a risk. — Katherine Henry Runaway or out-of-control verdicts are something organizations are facing everywhere. It's very difficult to take a case to a jury. Something that should be resolved for $1 million or $2 million could be a $40 million liability. Insurers are aware of that. — Katherine Henry
Have you encountered challenges managing the cash flow amidst seasonal changes within your business? In this episode, Danielle shares the solution, and it's called the KSA framework. Discover how this framework can guide you through different business seasons. Tune in now as Danielle shares the secrets to managing and optimizing your finances, ensuring your business sails smoothly in every season. Topics Discussed: Intro (0:00) Client's Example: Successfully Launched a Retail Location Despite Seasonality (0:59) Introducing Framework (4:22) Step One: Identify Seasonality (4:46) Step Two: Identify the Type of Seasonality (5:25) Step Three: Prepare (8:08) Money Mindset Mastery Framework (10:44) Save for Tax Reserve and Get a Line of Credit (11:46) Prepare Yourself for Downtime (13:18) Strategies during Peak Months (15:10) Step Four: Manage Your Mindset (17:28) For help with your business finances and more, visit: https://kickstartaccountinginc.com/get-started/ Connect with Danielle: Instagram | @Daniellehayden__OH Instagram | @Kickstartaccounting Website | Kickstart Accounting, Inc. Facebook | Kickstart Accounting, Inc. Get Started Today: https://kickstartaccountinginc.com/get-started
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. Justin interviews Bob Bowman, the CRO of Wendy's in today's episode. Bob will be the guest panelist in the December 12th RIMS webinar, Prepare Yourself for the New Generation of Risk. Bob speaks of his career trajectory and what he learned as a claims manager for Safeco Insurance, a risk manager for Macy's, and the Chief Risk Officer of Wendy's. He talks about connecting with programs across the corporate reach of Wendy's and what falls under his oversight as the CRO. Justin shares the focus of the December 12th webinar and also provides his words of advice for young risk Listen in for an interesting overview of ERM at Wendy's. Key Takeaways: [:01] About RIMScast. [:14] RISKWORLD 2024 will be held in sunny San Diego, California, from May 5th through May 8th. Booth and sponsorship sales are open. Member registration opens in November 2023. Public registration opens December 6th, 2023. Visit RIMS.org/riskworld for more information. [:35] About today's episode, a discussion of franchising, merging risks, and professional development, with our guest, Bob Bowman of Wendy's. [:56] The RIMS CRMP is the only competency-based risk management credential. That matters because earning the certification shows employers and recruiters that you have the skills necessary to manage risk and create value for your organization. [1:16] Several Exam Prep virtual workshops are coming up, starting on December 13th and 14th with former RIMS president, Chris Mandel. On January 13th, 20th, and 27th, 2024, the RIMS-CRMP Exam Virtual Workshop will be presented in conjunction with Conrad Clark Nigeria. [1:39] The RIMS-CRMP-FED Exam Prep Virtual Workshop will be held on January 30th and February 1st. That's a two-day course. Visit the certification page on RIMS.org for more information. A link is on this episode's show notes. [1:56] RIMS is gearing up for awards season. At RISKWORLD 2024, we will honor individuals, organizations, and chapters for their outstanding achievements in risk management. If you know someone who is truly making an impact on the risk profession and paving the way for future generations, consider drafting a nomination! [2:15] The deadline to submit award nominations is Friday, January 5th, 2024. A link to the awards applications and guidelines page is in this episode's show notes. Go to RIMS.org's About Us page and see the awards link there. Nominations for Risk Manager of the Year have closed but there are other awards that might appeal to you or a friend. [2:43] Bob Bowman is the CRO (Chief Risk Officer) for Wendy's. We will talk about franchising risks, merging risks, enterprise risk management, and professional development and hear about his career, which started in insurance. He worked at Macy's for several years and is now at Wendy's [3:10] We're going to talk about how and when Bob and his risk group are involved at different stages of decision-making for this global brand. [3:20] Quick plug! Bob Bowman is going to be the guest panelist for our upcoming RIMS webinar, presented by Riskonnect on December 12th. It's titled Prepare Yourself for the New Generation of Risk. The link is in this episode's show notes. Anyone who hears this interview will want to hear more from him in this webinar on December 12th! [3:45] Bob Bowman, welcome to RIMScast! [4:12] Bob's title at Wendy's is Chief Risk Officer. He has been with Wendy's for a little under 10 years. Bob tells of his time before that. He started in claims management in 1990 at Safeco Insurance. He backed into insurance as his degree is in restaurant and hospitality management. [5:38] From Safeco Insurance, Bob moved into the risk management space with help from a mentor and professional networking connections. [6:10] Bob was at Macy's for over 20 years. Macy's was going through a lot of change and transition at the time. When Bob joined Macy's, retail was vital and thriving. When Bob left Macy's, retail was just becoming aware of Amazon. Digital commerce was making itself known. [6:58] Bob had done an internship with Wendy's in college. Twenty-plus years later they made him an offer. He had loved his experiences at Macy's but everything was siloed. The offer at Wendy's was to connect the siloes and steer the ship. The pieces he had learned at Macy's had to be translated into a single strategy for success at Wendy's. [8:14] Risk management both in retail and at Wendy's is about product and process. It's all about delivering something of perceived value to the consumer, along with an experience. The experience might be the more important part of the equation. It's getting the product and experience right every time, in the perception of the customer. [9:10] Wendy's corporate headquarters hired Bob to work with the risk management team they had and develop it for organizational resilience, business continuity planning, crisis management, and enterprise risk management. [10:15] Bob tells how he referred to ISO and COSO in charting the path for Wendy's. It is now part of the way Wendy's manages every program. Every program begins with a framework selection of ISO, COSO, or another standard or industry best practices. [10:59] Food preparation and location selection are under other leaders. Bob's space is risk management in any and every program at Wendy's. He uses a consistent business model across all of the programs. [11:37] Franchising is a unique business model. It has many advantages but also comes with inherent risks. There is less control with autonomous, independent businesspeople working within a single brand with a desire to deliver a consistent experience to the customer across the franchise system. [12:46] Wendy's franchisees are autonomous but must be respectful of regulation. [13:42] The Wendy's corporate risk management group has grown since Bob started. There were six to eight risk managers in 2014. Today it is a group of about 15. [14:31] Bob discusses what is behind the growth of risk management at Wendy's. There is increasing complexity in the world, so there is increasing value in and appreciation for risk management. The way Wendy's transacts business has changed and continues to change. There are new technology risks. [16:17] When Bob started in the industry, there was a push to master tangible risks. Over the last five years, that has become a push to master intangible risks: digital data technology, network systems, cloud, hardware, software, and so forth. [16:51] RIMS plug time! RIMS Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. December 7th starts the three-part course, Leveraging Data and Analytics for Continuous Risk Management, which will be led by our friend Pat Saporito. [17:12] Fundamentals of Insurance returns on December 12th and 13th. It will be led by our good friend Gail Kyomura. Information about these workshops and others is on the RIMS Virtual Workshops page. Check it out and register! [17:28] At 5:00 p.m. India Standard Time, on December 1st, Prudent Insurance Brokers Private Ltd. returns to discuss Business Interruption. On December 7, 2023, our friends at TÜV SÜD GRC return to discuss Engineering Resilience: Strategies for Preventing Machinery Breakdown. [17:49] Bob Bowman, our guest today is on the next webinar. On December 12th, Prepare Yourself for the New Generation of Risk with Riskonnect. On December 14th, Aon will be Addressing Today's Risks While Preparing for the Risks of Tomorrow. [18:05] On January 4th, RIMS's Public Policy Committee will explore Nevada's “Defense Within The Limits” Ban. On January 16th, RIMS will present How Risk Managers Can Combat Human Trafficking In 2024. Justin will host that session and will be joined by three expert panelists. He is looking forward to reaching you all with this session. [18:26] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [19:37] Bob describes risk as uncertainty. Wherever there is uncertainty, that is risk. What are the things that need to be true to reduce that uncertainty? That's risk management. You can apply that easily to intangible risk. Bob does not have the technology background that would equip him to participate in the innovation discussion. [20:28] Bob trusts the CTO and others with technology backgrounds to guide him so he knows how to advise the C-suite. The intangible risk space is growing across nearly every aspect of the business. To be effective, Bob partners with every business function. [22:31] Wendy's attempts to simplify risk management. To Bob, if you are going to be effective as a risk management practitioner, simplifying is the table stakes. The balance of the business has little interest in and appreciation for risk management until it's relevant through their lens and on their terms with the results they are trying to achieve. [23:45] What has enabled Bob and his team to find some success is the risk profile, which is getting to know the risk from the perspective of the business, and the business leaders. It's up to the risk managers to speak the language of risk from the perspective of the leaders and grasp the challenges of each functional area of the business. [24:41] Risk management is asking, what could we do to make that desirable outcome more certain or increase the probability that we will hit that target. Bob asks, If I could guarantee you a greater probability that you will achieve your goals, wouldn't you begin thinking about more goals? Wouldn't you be more ambitious about accomplishments? [25:36] New items and new recipes would only come to the risk management department in terms of food safety. [26:31] Bob says he was on the periphery of the breakfast menu unveiling and he gives credit to an amazing team. Breakfast For Us in its current form is a recent innovation. Without prompting from risk management, the team coming up with the menu asked, what are the things that need to be true for this to be a successful endeavor? [27:01] That is risk-based decision-making from the outset of the idea. There was a lot of labor, expertise, and collaborative decision-making across the entire organization for months that went into the development of the breakfast menu. Bob wonders how many of the things that needed to be true went from not yet being true, to true, in the process. [29:30] Bob talks about the collaborative partnership between the Wendy's corporation and the franchisees. All parties have to be represented in the discussion. [30:09] Bob speaks about his part in the webinar coming on December 12th, Prepare Yourself for the New Generation of Risk. It goes toward the dilemma that many risk professionals are confronted with. There are so many new, evolving, uncertain areas of risk and risk management. The world is delivering us a heavy dose of VUCA! [30:52] We've got to be equipped to understand the VUCA World and be able to translate it to our organizations. This webinar will focus on that. Justin will host. It's a great way to close out the year! [31:33] As Bob looks back on his career, his advice to young people considering risk management is to get a mentor and a professional network, do hard work, and be willing to expand one's skill set. Support great people to be supported by great people. That's a universal part of the equation. [32:31] Special thanks to Bob Bowman of Wendy's for joining us on RIMScast! You can hear more of Bob's perspective and experience in the December 12th RIMS Webinar sponsored by Riskonnect titled Prepare Yourself for the New Generation of Risk. Register at RIMS.org/webinars and the link in this episode's show notes. [32:52] Go to the App Store and download the RIMS App. This is a special members-only benefit. Everybody loves the RIMS App! [33:19] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [34:03] 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. The RIMS app is available only for RIMS members! You can find it in the App Store. [34:28] 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. [34:44] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com and in print, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [35:07] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Mentioned in this Episode: Riskworld 2024 — San Diego, CA | May 5–8, 2024 RIMS Riskworld Award Nominations — Jan. 5, 2024, is the deadline to submit nominations! RIMS-Certified Risk Management Professional (RIMS-CRMP) NEW FOR MEMBERS! RIMS Mobile App Spencer Educational Foundation — Grants Page Embrace The Unknown: Unleashing the Power of Risk | Hosted Live & In-Person by RIMS NZ & PI | Feb. 12, 2024 Dan Kugler Risk Manager on Campus Grant RIMS Risk Management Magazine: ERM Special Edition 2023 RIMS Webinars: Engineering Resilience: Strategies for Preventing Machinery Breakdown | Sponsored by TÜV SÜD | Dec. 7, 2023 Prepare Yourself for the New Generation of Risk | Sponsored by Riskonnect | Dec. 12, 2023 Addressing Today's Risks While Preparing for Tomorrow | Sponsored by Aon | Dec. 14, 2023 Nevada's “Defense Within The Limits” Ban Explored | Presented by RIMS Public Policy Committee | Jan. 4, 2024 How Risk Managers Can Combat Human Trafficking In 2024 | Presented by RIMS | Jan. 16, 2024 RIMS.org/Webinars Upcoming Virtual Workshops: Leveraging Data and Analytics for Continuous Risk Management | Dec 7 Fundamentals of Insurance | Dec 12 See the full calendar of RIMS Virtual Workshops All RIMS-CRMP Prep Workshops — Including Chris Mandel's Dec 13–14 Course Related RIMScast Episodes: On The Menu: Restaurant Injury Risk Trends in 2023 Franchise Risks in 2022 with Karen Agostinho of Five Guys Enterprises Risk Insight with AAIN Leadership and Panda Express Fleet Safety with Nets Executive Director Susan Gillies-Hipp Sponsored RIMScast Episodes: “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response (New!) “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL 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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Chris Mandel! Spencer Educational Foundation RIMS DEI Council RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts. Have a question or suggestion? Email: Content@rims.org. Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn. About our guest Bob Bowman on LinkedIn Tweetables (Edited For Social Media Use): When I joined Macy's, retail was strong, vital, and thriving. By the time I left Macy's, retail was just becoming aware of Amazon. Digital commerce was making itself known. — Bob Bowman There is less control with independent businesspeople who desire to maintain that independence. At the same time, you're working within a single brand, with a desire for consistency, and a desire to deliver a consistent experience to the customer across the system. — Bob Bowman I would tell young risk managers to get a mentor and a professional network, do the hard work, and be willing to expand one's skill set. Support great people to be supported by great people. — Bob Bowman
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. Lawanda “Elle Michell” Hall joins me today to share her accumulated knowledge as a risk professional in the corporate space and as a passionate risk entrepreneur. Elle had known from her days in high school math that she wanted to be a risk management professional. She explains how she navigated that path through her chosen major, her student affiliation with RIMS, and by taking a position in claims to experience risk management from the client's point of view. She shares some of her experiences in supply chain risk at Coca-Cola, and her plans for her company, Intelligent Intentions. Having grown up in urban Atlanta, she is passionate about risk management in the community and for small businesses looking to participate in the supply chains of enterprise companies. Listen in for a passionate plea for improved education and communication around risk management for all companies. Key Takeaways: [:01] About RIMScast. [:14] RISKWORLD 2024 will be held in sunny San Diego, California, from May 5th through May 8th. Booth and sponsorship sales are open. Member registration opens in November 2023. Public registration opens December 6th, 2023. Visit RIMS.org/riskworld for more information. [:33] About today's episode, a discussion of supply chain risks and professional development, with our guest, Lawanda Elle Michell Hall. [:54] The RIMS CRMP is the only competency-based risk management credential that matters because earning the certification shows employers and recruiters that you have the skills necessary to manage risk and create value for your organization. [1:13] Several Exam Prep virtual workshops are coming up, starting on December 13th and 14th with former RIMS president, Chris Mandel. On January 13th, 20th, and 27th, 2024, the RIMS-CRMP Exam Virtual Workshop will be presented in conjunction with Conrad Clark Nigeria. [1:38] The RIMS-CRMP-FED Exam Prep Virtual Workshop will be held on January 30th and February 1st. That's a two-day course. Visit the certification page on RIMS.org for more information. A link is on this episode's show notes. [1:55] RIMS is gearing up for awards season. At RISKWORLD 2024, we will honor individuals, organizations, and chapters for their outstanding achievements in risk management. If you know someone who is truly making an impact on the risk profession and paving the way for future generations, consider drafting a nomination! [2:14] The deadline to submit award nominations is Friday, January 5th, 2024. A link to the awards applications and guidelines page is in this episode's show notes. Go to RIMS.org's About Us page and see the awards link there. Nominations for Risk Manager of the Year have closed but there are other awards that might appeal to you or a friend. [2:42] Elle Michell Hall is the CEO of Intelligent Intentions. She is also very active with the Spencer Educational Foundation. She has a fascinating career that has dealt with enterprise risk management and supply chain, among others. Let's hear about what she's done and where she's going! Elle Michell Hall, welcome to RIMScast! [3:41] Elle is in the minority of people who joined the risk industry on purpose! She received a degree in risk management in insurance from Georgia State University. She had been inspired by a high school AP course called Decision Science; now it is called Quantitative Analytics. She was intrigued by the application of math in the world. [5:27] Quantitative analytics is now used across many businesses to make projections and set themselves up for success. [6:41] People were used to thinking of risk managers as the “parent” who would say “no,” so they were avoided at all costs until they absolutely had to ask. [7:31] Elle has a lot of creative energy to create solutions and not have to say “no.” She works with people to figure out how to get to a “yes,” in a sensible way aligned with the business objective. [7:56] Elle didn't see risk management entry-level positions available after graduation. Entry-level positions tend to be in underwriting, claims, or the brokerage world but not in corporate risk management. She joined RIMS in college. At a RIMS luncheon, George Miller of AIG asked her what she wanted to do when she graduated. [8:38] Elle wanted to be a risk manager but she didn't know where to start. George told her we're in this business because stuff happens and you need to figure out what that looks like when it happens, so I recommend that you start in claims. That will make you a more thoughtful risk manager on the front end as you're making coverage decisions. [9:00] George Miller gave her a phone number and told her that the AIG claims office was moving to Alpharetta, Georgia, a suburb of Atlanta. Elle said, great, and that's where she started. She learned to make decisions. GSU had given her minimum information about claims so she studied and achieved her AIC. AIG was her career boot camp. [9:39] In claims, you're dumped into the deep end, dealing with problems. People are upset. Her territory was New York and she had New York attorneys calling her names all day, every day. She learned not to take things personally. She learned to manage a matter to completion. It was a beautiful beginning to her career in risk management. [10:27] Elle grew up in Atlanta in the shadow of Coca-Cola. When she started at Coca-Cola, Elle was a little starstruck and nostalgic. Her previous position had been at Earthlink, where there were two risk managers who did everything. At Coca-Cola, there was a team of 12 to 15 people and the work was divided between them. [12:24] Coca-Cola is crucial to the economy of Atlanta. A lot of native Atlantans work for Coke. Working there feels safe like you're a part of Atlanta. You have an impact on your city and you're able to do good work. [13:14] Elle finds supply chain risk fascinating. She learns a lot about how culture impacts perception. People have different perspectives on the same risk, based on their cultural references. Elle learned how different types of products cross the borders of different countries. Border Patrols must respect Coke's quality standards and seals. [15:06] Some ingredients, such as Stevia, may appear to be something else. There have been colorful conversations around legalities and culture, the way things move, and the time in which they move, making sure that as things change hands, the insurance is in place and things are moving. There are difficult conversations. [15:34] Elle recalls fun times. She was the risk point of contact when the FIFA trophy was touring in 2014. She toured the plane that took it to all the different cities. She got reports from each stop, making sure the trophy was safe. It was like a tour around the world, over 100 stops, without leaving her office. The trophy traveled in luxury! [17:20] RIMS plug time! Upcoming Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. December 7th starts the three-part course, Leveraging Data and Analytics for Continuous Risk Management, which will be led by our friend Pat Saporito. [17:42] Fundamentals of Insurance returns on December 12th and 13th. It will be led by our good friend Gail Kyomura. Information about these workshops and others is on the RIMS Virtual Workshops page. Check it out and register! [17:57] On December 1st at 5:00 p.m. India Standard Time, Prudent Insurance Brokers Private Ltd. returns to discuss Business Interruption. On December 7, 2023, our friends at TÜV SÜD GRC return to discuss Engineering Resilience: Strategies for Preventing Machinery Breakdown. [18:18] On December 12th, Prepare Yourself for the New Generation of Risk with Riskonnect. On December 14th, Aon will be Addressing Today's Risks While Preparing for the Risks of Tomorrow. [18:31] On January 4th, RIMS's Public Policy Committee will explore Nevada's “Defense Within The Limits” Ban. On January 16th, RIMS will present How Risk Managers Can Combat Human Trafficking In 2024. Justin will host that session and will be joined by three expert panelists. He is looking forward to reaching you all with this session. [18:53] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [19:16] Elle sees a disconnect in understanding and communication around risk management and insurance. She's had to say no a few times to external parties that wanted to do business but were not risk-responsible. Elle mentions some of the risks small suppliers don't consider when they want to be part of a billion-dollar supply chain. [21:07] Elle uses the example of bottle caps. If you supply the bottle caps, but you don't show up with them, the entire operation is shut down. There is a lot that goes into the decision of who will supply the bottle caps. Every little piece matters in the big picture of keeping things moving. A tiny company can cause a multi-million-dollar shutdown. [21:53] With joint and several liability, Coke is at risk for that loss. Small companies don't understand their risk imprint and big companies don't do a good job of explaining it. They just analyze it and say no, we can't do it. In the world of supply chain, many challenges come from the lack of communication and education in risk management. [23:44] In business incubators, small companies are told about CPAs, lawyers, and putting their finances in order. No one tells them about risk managers or understanding what their risks are. How do they make sure they are not a risk but a risk partner to the organization they want to help? [24:16] That conversation is not happening and it needs to happen. Smaller companies need to be educated on the discipline of risk management. Elle is passionate about the risk profession. She is also passionate about community and she is a natural educator. [24:59] Manage your risk! Make sure that you're not having an adverse impact on the companies you are doing business with or the people in your community! [25:07] A big part of Elle leaving the corporate space and becoming an entrepreneur was driven by her wanting to serve her community. There aren't people in the community teaching small businesses about risk management or even that they need to know these things. [25:25] Elle thinks it's important to give some plain language about what risk management is. Small companies get RFPs, contracts, and jargon without knowing what they mean. Elle grew up in a very urban area and she fully understands risk management. She can translate the concepts for small businesses to grasp quickly. [26:24] Being able to apply her knowledge and do something with it is very meaningful to Elle. She always wants to know what she can do with this knowledge. She doesn't want just “brain decoration.” [27:18] Elle says the biggest thing is to make sure that the data your business depends on is solid and that you understand how to adjust it for real-time because it is built on historical data. Things are changing a whole lot faster than they have before. Use your data but watch for trends as they come on social media so you can prepare properly. [28:53] Elle has always taken young people under her wing to mentor and help. She would sit with new members of the team, explain jargon to them, and help amplify their success and the success of the organization and the team. [29:30] Elle got an opportunity with Georgia State University and Spencer Educational Foundation to create a Professional Development Academy for first-generation college risk management and insurance majors. The Academy will address opportunities and drill down to amplify all that is learned in the degree program. [30:28] Elle is working with a professor at Georgia State University to create the Academy. It will open in January 2024. The announcement will come out soon on the Georgia State University Maurice Greenberg Risk Sciences web page. [32:52] The Professional Development Academy will focus on the day-to-day experience of the profession with a menu of detailed career descriptions and access to people who have done it, to make informed choices. A link is on this episode's show notes. [33:45] Justin hopes to see Elle at RISKWORLD 2024 in San Diego in May! [33:58] Special thanks to Elle Michell Hall. For more information about the program that we referenced in conjunction with the Spencer Educational Foundation, visit spencered.org/general-grants. The link is also in this episode's show notes. [34:17] Go to the App Store and download the RIMS App. This is a special members-only benefit. Everybody loves the RIMS App! [34:41] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [35:23] 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. The RIMS app is available only for RIMS members! You can find it in the App Store. [35:46] 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. [36:01] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com and in print, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [36:22] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Mentioned in this Episode: RISKWORLD 2024 — San Diego, CA | May 5–8, 2024 RIMS RISKWORLD Award Nominations — Jan. 5, 2024 is the deadline to submit! RIMS-Certified Risk Management Professional (RIMS-CRMP) NEW FOR MEMBERS! RIMS Mobile App Spencer Educational Foundation — Grants Page Giving Tuesday for Spencer (Nov 28) Embrace The Unknown: Unleashing the Power of Risk | Hosted Live & In-Person by RIMS NZ & PI | Feb. 12, 2024 Dan Kugler Risk Manager on Campus Grant RIMS Risk Management Magazine: ERM Special Edition 2023 RIMS Webinars: Business Interruption | Sponsored by Prudent Insurance Brokers Ltd. | Dec. 1, 2023 Engineering Resilience: Strategies for Preventing Machinery Breakdown | Sponsored by TÜV SÜD | Dec. 7, 2023 Prepare Yourself for the New Generation of Risk | Sponsored by Riskonnect | Dec. 12, 2023 Addressing Today's Risks While Preparing for Tomorrow | Sponsored by Aon | Dec. 14, 2023 Nevada's “Defense Within The Limits” Ban Explored | Presented by RIMS Public Policy Committee | Jan. 4, 2024 How Risk Managers Can Combat Human Trafficking In 2024 | Presented by RIMS | Jan. 16, 2024 RIMS.org/Webinars Upcoming Virtual Workshops: Leveraging Data and Analytics for Continuous Risk Management | Dec 7 Fundamentals of Insurance | Dec 12 See the full calendar of RIMS Virtual Workshops All RIMS-CRMP Prep Workshops — Including Chris Mandel's Dec 13–14 Course Related RIMScast Episodes: Risk Management Education with David Cisneros Celebrating #SpencerDay and Funding the Future of Risk Management Risk and Compliance Tips for Importers and Exporters in 2022 Navigating Shipping Risks in 2022 with Capt. Rahul Khanna Sponsored RIMScast Episodes: Cyclone Season: Proactive Preparation for Loss Minimization | Sponsored by Prudent Insurance Brokers Ltd. (New!) “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL 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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Chris Mandel! Spencer Educational Foundation RIMS DEI Council RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts. Have a question or suggestion? Email: Content@rims.org. Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn. About our guest Elle Michell Hall Lawanda “Elle Michell” Hall's professional career spans more than 20 years, serving in progressive Risk Management and insurance roles. Elle's rich life & career experiences coupled with her love for serving people and adroit problem-solving skills are the perfect ingredients for a thoughtful and impactful life coach. She blends innate creativity, natural inquisitiveness, and analytical acumen to guide her clients through various life and career transitions. As the Founder and CEO of Intelligent Intentions LLC, Elle is an award-winning, nationally sought-after life & career coach, consultant, thought leader, trainer, and speaker. Her coaching style exists, at the intersection of business savvy and edgy urban intellectual. Elle has a way with words and an engaging presence that perfectly packages her messages which are laced with intelligence, intention, and integrity. A native and current resident of Atlanta, GA; Elle earned a B.B.A. (Major: Risk Management & Insurance) and studied for an MBA at Georgia State University. She also received a Life Coaching Certificate from the National Coaching Society. Elle is a passionate advocate for foster children and a faithful supporter of the arts. Intelligentintentions.com Georgia State University Maurice R. Greenberg School of Risk Science Tweetables (Edited For Social Media Use): Lots of folks are in the risk industry who kind of fell into it. I am in the minority of people who did it on purpose! — Lawanda “Elle Michell” Hall I have a lot of creative energy to create solutions and not have to say “no.” Let's work together and figure out how we can get to a “yes,” in a way that makes sense and is aligned with our business objectives. — Elle Michell Hall The biggest thing is to make sure that the data your business depends on is solid and that you understand that you're adjusting it for real-time because it is built on historical data. Things are changing a whole lot faster than they have before. — Elle Michell Hall
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. The term Wicked Problems was originally coined in an academic paper authored by design theorists Horst Rittel and Melvin Webber over 50 years ago. While there are many attributes that define a Wicked problem, generally they are based on problems that are fast evolving with no clear solution or where the solution generates further problems and a level of residual risk that is potentially worse than the initial issue itself. Fast forward to today, Risk Managers and Leaders try and grapple with the reality of a Volatile, Uncertain, Complex, Ambiguous, and Digital (VUCAD) world that challenges us with more and more Wicked Problems. In this session, we will explore how Risk Managers and Leaders can better cope with and wrangle wicked problems to create successful outcomes. Key Takeaways: [:01] About RIMScast. [:14] RISKWORLD 2024 will be held in sunny San Diego, California, May 5th through May 8th. Booth and sponsorship sales are open. Member registration opens November 2023. Public registration opens December 2023. Visit RIMS.org/riskworld for more information. [:33] About today's episode, a discussion of wicked problems with Dr. Gav Schneider. [:55] The RIMS CRMP is the only competency-based risk management credential that matters because earning the certification shows employers and recruiters that you have the skills necessary to manage risk and create value for your organization. [1:15] Several Exam Prep virtual workshops are coming up, starting with December 13th and 14th with former RIMS president, Chris Mandel. On January 13th, 20th, and 27th, 2024, the RIMS CRMP Exam Virtual Workshop will be presented in conjunction with Conrad Clark Nigeria. [1:38] The RIMS CRMP-FED Exam Prep Virtual Workshop will be held January 30th and February 1st. That's a two-day course. Visit the certification page on RIMS.org for more information. A link is on this episode's show notes. [1:56] RIMS is one of the educational development partners with AFERM, the Association for Federal Enterprise Ris Management. Two AFERM leaders joined RIMScast last week for a brief interview during the ERM Conference. This is a last call about AFERM's upcoming SUMMIT. [2:17] Join fellow ERM practitioners at the 2023 AFERM Summit Training. The theme is “Collaborate and Celebrate: Weaving ERM into the Fabric of Government.” The ERM SUMMIT will take place in Washington, D.C. at the Walter E. Washington Convention Center and virtually on November 28th and 29th. Links are in the show notes. [2:41] A Shout out the the RIMS New Zealand and Pacific Island Chapter and Marsh Australia and New Zealand, who welcome you to Embrace The Unknown: Unleashing the Power of Risk on February 12, 2024 at the Pullman Hotel in Aukland, NZ to discuss the critical role of risk management in today's uncertain world. A link is in the notes. [3:25] We have one of the featured speakers on RIMScast today, Dr. Gav Schneider. Dr. Schneider will present on “Wrangling Wicked Problems: The Ultimate Risk Management Challenge.” Dr. Gav Schneider is with the Centre for the Study of Wicked Problems and he was the Risk Management Institute of Australasia's 2023 Risk Leader of the Year. [3:50] Dr. Schneider is the creator of the Presilience Approach. Dr. Gav Schneider, welcome to RIMScast! Dr. Schneider joins RIMScast from Brisbane, Australia, and is originally South African. He moved to Australia nearly 20 years ago. Dr. Schneider is with the ISRM ANZ CSWP (Center for the Study of Wicked Problems). [5:07] Dr. Schneider started his career in martial arts in South Africa. He is an 8th Degree Black Belt. He taught self-defense and defensive tactics. He transitioned to close protection, bodyguarding, and executive protection. He set up his first business in South Africa, 24 years ago and sold it in 2014. [5:36] On the way, Dr. Schneider became fascinated with decision-making and risk management, as he kept seeing it being done so badly, even when there were life-or-death consequences attached. He looked at corporate risk management and how it intersects with compliance and how performance measures come into play. [6:00] Dr. Schneider became interested in practical application combined with sound academic theory, primarily focusing on the way humans make decisions. He is known as the Human-centric Risk Guy. He has taught a post-graduate program on the psychology of risk for the past seven years. It's been great for his learning, as well. [7:06] The Institute for Strategic Risk Management is an international group that's looking at how strategy, risk, and management intersect. ISRM has been collaborating with RIMS NZ for a couple of years. [7:21] The first paper on Wicked Problems was published 50 years ago. The fact that the world is so hypercomplex and we are bombarded with information all the time has made the study of wicked problems quite an important area. [7:56] We've become good at process- and compliance-based risk management. From the Industrial Revolution, we've gotten good at organizing and arranging things but now we're moving out of management-centricity. In a world with a high degree of control and certainty, process- and compliance-based risk management works. [8:43] In the modern world, we are bombarded with uncertainty, quickly changing events, and lack of control because of our hyper-connected systems. Dr. Schneider cites a recent seven-hour telecom outage in Australia. It hurt businesses. In supply-chain management, one supplier having an issue can be catastrophic for many businesses. [9:22] Certainty and control have eroded, compared to 20 years ago. [9:38] The difference between a Wicked Problem and a poly-crisis will be covered at the workshop at the RIMS Conference in New Zealand. You need time to understand it. Today's challenges are not one-dimensional risks to manage. A crisis evolves over one variable. If your team is coping, it's not a crisis. [11:39] When lots of crises happen at once, the support structures we have in place become overwhelmed. The interconnections between them become overwhelmed. A poly-crisis made up of lots of Wicked Problems. A standard crisis might just be us being overwhelmed. [12:41] Dr. Schneider says we are all risk practitioners. When making decisions, we weigh out the likelihood of success or failure. Dr. Schneider gives a few examples of the risk management of self-defense. In South Africa, when he had the self-defense business, there were 78 reported carjackings a day. [14:04] A lady called Dr. Schneider's self-defense business to learn how to defend against carjackings because she had been carjacked four times. The carjacker had hidden behind the same bush four times. She needed to cut down that bush! [14:42] When people called about close protection and security, they started with “Money is no object.” That high standard lowered when they were advised to hire two cars and four bodyguards; “Can't I get by with one car and two guards?” Suddenly, the price to protect their lives was half of the amount they were recommended. [16:13] If you don't have culture, engagement, and performance right, none of your other systems work. How do we achieve efficacy and sustained high performance during business as usual and how do we create the ability to thrive in a disruption not just survive? That has been Dr. Schneider's study since 2008 for his PhD. [16:40] In running the psychology of risk program, Dr. Schneider has seen smart, capable graduates become frustrated, doing everything they can on the process/compliance side while people they work with feel that risk management is the “handbrake to happiness,” keeping them from achieving what they want to do. [17:06] Dr. Schneider and the Centre for the Study of Wicked Problems want to “shift the dial” from negative outcome management to seizing and creating opportunity as a positive outcome. They developed the concept of “presilience,” a term Dr. Schneider coined. [17:46] The Centre for the Study of Wicked Problems was launched this year as a collaboration with the ISRM head office in the UK, and in NZ and AU. Fifty years after the first paper on wicked problems, you don't see wicked problems management getting nearly enough “airplay” or understanding in the world of conventional risk management. [18:12] Usually, the wicked problems cause pain for risk leaders and risk managers because those are the problems where the conventional systems don't work that well. [18:25] RIMS plug time! Upcoming Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. December 7th starts the three-part course, Leveraging Data and Analytics for Continuous Risk Management, which will be led by our friend Pat Saporito. [18:48] Fundamentals of Insurance returns on December 12th and 13th. It will be led by our good friend Gail Kyomura. Information about these sessions and others is on the RIMS Virtual Workshops page. Check it out and register! [19:04] On November 21st, Beazley returns to present Business Risk: Helping Your Executives to Navigate Today's Volatile Risk Environment. [19:18] On December 1st at 7:00 a.m. Eastern, Prudent Insurance Brokers Private Ltd. returns to discuss Business Interruption. On December 7, 2023, our friends at TÜV SÜD GRC return to discuss Engineering Resilience: Strategies for Preventing Machinery Breakdown. [19:36] On December 12th, Prepare Yourself for the New Generation of Risk with Riskonnect. On December 14th, Aon will be Addressing Today's Risks While Preparing for the Risks of Tomorrow. [19:50] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [20:14] Dr. Schneider's session is from 4:10 p.m. to 4:50 p.m. called “Wrangling Wicked Problems: The Ultimate Risk Management Challenge.” It will touch upon control efficacy measurement and risk intelligence. Risk intelligence is the human ability to make great decisions, grabbing upside opportunity and minimizing downside negative impact. [21:48] Risk intelligence is the living application of risk management as opposed to process-based application of risk management. Lots of smart people make terrible decisions because they blindly follow a process, they blindly follow a policy that's out-of-date, or they make no decision because they panic under pressure. [22:27] Not doing something, especially in a crisis or poly-crisis, is often worse than making the wrong call. Even the wrong call creates momentum, which gives you learning, to see that didn't work, so you can tweak it or do something different. [22:43] There are fundamental differences in the way to apply wicked-problems-based risk management and the way to apply process-based or compliance-based risk management. They require different skill sets. Process- and compliance-based risk management requires an auditor compliance-driven mindset that loves rules. [23:47] Epidemics, geopolitical instability, solar flares, and other things that are going to be significantly challenging for us, that are bigger than us, are very difficult to solve. Mist organizations set a strategic plan and then assume risk management will help them achieve the plan. [24:10] If we identified wicked problems early, we could forecast which strategic plans are going to be blocked by them and we could use a different skill set to deal with them. That skill set is highly-evolved risk intelligence; people who are good at dealing with uncertainty, achieving objectives in different ways, and are great communicators. [24:36] Dr. Schneider has a list of things he will share when he runs sessions. We want to be thinking of the risk leader of the future. Most risk managers don't manage risk; they manage a process or set up a policy that other people in a business have to manage or own. [24:59] Who's leading risk? People making decisions that have negative or positive consequences are risk leaders. We need to build dual skill sets. MBAs and Public Policy degrees teach to be good at process and compliance. Wicked problems require highly evolved emotional intelligence, influence skills, and pattern recognition. [25:50] In the session that Dr. Schneider will introduce in New Zealand, he will be covering some of those skill sets, and how to build them. His firm hope is that these teachings will create the risk leaders of the future that will enable a society that thrives through disruption and can endure when things go wrong. [26:26] Dr. Schneider talks about the psychology of risk work. He believes people learn by hearing, learn more by hearing and seeing, and learn even more if they are also entertained. So it's about engaging the audience to have significant takeaways that make their work life better and enable their efficacy in their job to increase. [27:05] Dr. Schneider's presentation style is informal. He walks around and gets involved with the audience. He doesn't separate himself from the audience with a podium. Because they give their time and resources to listen to him, he gives them something that makes them more effective in their jobs and ultimately helps their organization. [29:06] Dr. Schneider has a unique hybrid South African-Australian accent. People either find him easy to listen to or can't understand a word he says! [29:44] Dr. Schneider shares his thoughts for the RIMScast audience. We're in a challenging era. It's almost overwhelming in its opportunity. We can integrate technology and leverage knowledge and connections in ways we've never been able to do. There are a few things we need to remember. [30:17] We are not over COVID-19 yet. It still has effects on social cohesion and personal interaction. In many cases, people were shut down from other humans for an extended time. Their skills of collaboration, teamwork, and empathy have eroded and they haven't returned yet. [30:39] We're seeing that now with an increase in things like workplace violence, active shooting incidents, and geopolitical war. Part of the global challenges we have as risk leaders is that people are not thinking about the skills for solving wicked problems. Most risk leaders had a tough time through COVID-19 and need to refresh. [31:34] We're now in an era of disruption. Systems we've built over the last few hundred years are not able to cope with the complicated and interwoven variables we're facing. We need to be ready. Dr. Schneider's message is to build your skills, maintain your mental and physical health, and find your balance. This is a marathon, not a sprint. [32:02] Dr. Schneider says things are going to continue to be challenging. Increased interest rates and fiscal moves by governments to try to cap inflation is a good example of a wicked problem. People in financial stress get desperate and crime, violence, and fraud go up. Learn to look at the interconnected world. [32:52] Cybercrime is here to stay. Risk leaders need to get comfortable with the virtual world. AI comes up repeatedly at every risk conference. If businesses and business leaders are talking about it, it's going to be the problem of risk leaders and risk managers. It's either a problem or an opportunity, depending on how you look at it. [33:50] The way criminals take advantage of vulnerabilities in our systems is very different from the way protectors like risk leaders look at them. A convicted criminal told Dr. Schneider that he's never seen a computer or a computer program spend time in jail. AI and tech are still driven by humans. It's a human problem or opportunity. [34:32] The more tech we get, the more human-centricity we need. The deep thinking is going to have to be done by humans. We have to manage the opportunity and the risk of AI and tech simultaneously. [35:04] Justin is excited for anyone who gets to go and see Embrace the Unkown: Unleashing the Power of Risk at the Pullman Hotel in Aukland, NZ, February 12, 2024. [35:44] Special thanks to Dr. Gav Schneider. On February 12, 2024, Dr. Schneider will be a presenter at the day-long live conference Embrace the Unknown, which will be at the Pullman Hotel in Aukland, NZ. That event is hosted by Marsh and the outstanding RIS NZ and PI Chapter. The link is in this episode's show notes. Check it out and register! [36:07] More coverage leading up to this event will follow on RIMScast. [36:15] Go to the App Store and download the RIMS App. This is a special members-only benefit. Everybody loves the RIMS App! [36:39] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [37:22] 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. The RIMS app is available only for RIMS members! You can find it in the App Store. [37:47] 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. [38:03] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com and in print, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [38:24] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Mentioned in this Episode: Embrace The Unknown: Unleashing the Power of Risk | Hosted Live & In-Person by RIMS NZ & PI | Feb. 12, 2024 2023 AFERM Summit Training | Nov 28–29, 2023 Riskworld 2024 — San Diego, CA | May 5–8, 2024 Dan Kugler Risk Manager on Campus Grant RIMS-Certified Risk Management Professional (RIMS-CRMP) NEW FOR MEMBERS! RIMS Mobile App RIMS Risk Management Magazine: ERM Special Edition 2023 RIMS Webinars: Business Risk: Helping your Executives Navigate Today's Volatile Risk Environment | Sponsored by Beazley | Nov. 21, 2023 Business Interruption | Sponsored by Prudent Insurance Brokers Ltd. | Dec. 1, 2023 Engineering Resilience: Strategies for Preventing Machinery Breakdown | Sponsored by TÜV SÜD | Dec. 7, 2023 Prepare Yourself for the New Generation of Risk | Sponsored by Riskonnect | Dec. 12, 2023 Addressing Today's Risks While Preparing for Tomorrow | Sponsored by Aon | Dec. 14, 2023 RIMS.org/Webinars Upcoming Virtual Workshops: Leveraging Data and Analytics for Continuous Risk Management | Dec 7 Fundamentals of Insurance | Dec 12 See the full calendar of RIMS Virtual Workshops All RIMS-CRMP Prep Workshops – Including Chris Mandel's Dec 13–14 Course Related RIMScast Episodes: “Harnessing Innovation's Promise with ERM Conference Keynote Bob Roitblat” “ERM's Value Proposition with Chris Mandel” Sponsored RIMScast Episodes: “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. (New!) “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL 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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Chris Mandel! Spencer Educational Foundation RIMS DEI Council RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts. Have a question or suggestion? Email: Content@rims.org. Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn. About our guest Dr. Gav Schneider Summarized BIO — Keynote Speaker, Director, CEO, Academic: Dr Gavriel (Gav) Schneider (CCRO, RPP, FISRM, FIML, FIS (SA), FGIA, FARPI, MAIPIO, CPP) IFSEC 2019, 20, 21 and 22 top twenty global influencer — Thought Leadership RMIA Risk Leader of the Year 2023 and Risk Consultant of the Year 2019 Dr Gav is an acknowledged business leader and specialist in the field of human-based risk management and the psychology of risk. He is the creator of the Presilience® approach (recognized in the prestigious AFR Most Innovative Awards in 2021). He is a serial entrepreneur and has been running his own businesses since 2001. He has conducted business in over 17 countries and provided a wide range of services for a very diverse client base, ranging from heads of state to school teachers. He is a leading academic and subject matter expert in his field and is a much sought-after International speaker. In Addition to being the RMIA's Risk Leader of the Year in 2023, and Risk Consultant of the Year in 2019, Dr. Gav is the only Australian to make the IFSEC Global Influencers' top 20 thought Leaders list for the last 4 years in a row. The Institute of Strategic Risk Management ANZ CSWP (Centre for the Study of Wicked Problems) The Centre for the Study of Wicked Problems is an international academic institution dedicated to facilitating effective research, analysis, and solutions to the wicked problems faced by our organizations, governments, and communities. The Centre brings together stakeholders, academics, policymakers, and practitioners with one common platform to develop effective frameworks and strategies to address multifaceted challenges. Tweetables (Edited For Social Media Use): I started my career in South Africa. I kicked everything off with the world of martial arts. So I'm an eighth-degree black belt and that's how I got started, teaching self-defense and defensive tactics. — Dr. Gav Schneider This year is the 50th anniversary of when the first paper on Wicked Problems was penned. The fact that the world is hypercomplex and we are bombarded with information all the time has made the study of wicked problems quite an important area. — Dr. Gav Schneider It's usually, the wicked problems that are causing such pain for risk leaders and risk managers because it's where the conventional systems don't work that well. — Dr. Gav Schneider If businesses and business leaders are talking about AI, it's going to be our problem. It's either a problem or an opportunity, it depends on how you look at it. — Dr. Gav Schneider
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. In this episode, Justin interviews several notable attendees of the RIMS ERM Conference 2023 in Denver, Colorado. First is Fernanda Gutierrez Franco, a student at the University of Colorado. Fernanda speaks of the risk management program at the university. Next are two high-ranking AFERM members, Marianne Roth, and Bobbi-Jo Pankaj, who describe the similarities between AFERM and RIMS. They also speak of the Summit, AFERM's Conference. Finally, Justin catches up with Dr. Innocent Uzombah, MBA, the Registrar General/CEO of the Chartered Institute of Loan & Risk Management of Nigeria. Dr. Uzombah hopes to bring the risk management body of knowledge in Nigeria to current standards. Justin wraps the episode with some of the benefits of attending the RIMS ERM Conference. Key Takeaways: [:01] About RIMScast. [:28] The segments of today's episode were recorded live at the RIMS ERM Conference 2023 in Denver, Colorado. Live event episodes are Justin's favorites. They capture the energy of RIMS events! [:43] Justin sends a quick shout-out to the RIMS New Zealand Pacific Island Chapter and Marsh Australia and New Zealand, who welcome you to Embrace The Unknown: Unleashing the Power of Risk, a one-day event on February 12, 2024 at the Pullman Hotel in Auckland, NZ. [1:07] It will be a gathering of experts, thought leaders, and professionals from various industries to explore and discuss the critical role of risk management in today's dynamic and uncertain world. There will be sessions on AI, Resilience, and Adaptability, highlighted by case studies and insights. See the link in this episode's show notes. [1:28] Next week on RIMScast, one of the speakers will be joining us! Be sure to tune in. [1:34] It's never too early to talk about RISKWORLD 2024! Save the date, May 5th–8th, 2024 in sunny San Diego, California. Booth and sponsorship sales are open. Member registration opens this month, November 2023 and public registration opens in December 2023. Visit RIMS.org/RISKWORLD to learn all about it. [2:09] We have a range of perspectives on today's episode of RIMScast. Our first perspective comes from a soon-to-be rising star in the risk profession, Fernanda Gutierrez Franco, a student at the University of Colorado. She is very involved in the risk management program and risk management groups at the school. [2:32] Fernanda was one of the contestants for ERM Squares. Justin caught up with Fernanda in the ballroom to hear from her how students are seeing the risk profession and what her career goals are. [2:48] Fernanda Gutierrez Franco, welcome to RIMScast! Fernanda started college with a biology major for pre-med or nursing. It wasn't a fit, so she switched to business, hoping to go into management or accounting in the health sector. In one of her classes, guest speakers talked about the RMI program. She booked a meeting and switched her major. [4:06] Fernanda loves risk management for the opportunities for students and how welcoming everyone is in the industry. Fernanda describes opportunities at CU Denver and RMI events such as spotlights on companies and shadow days to visit companies and shadow the employees. Fernanda describes Gamma Iota Sigma internship events. [4:59] Many speakers come to talk to classes in panelist events or to talk about risk control and company practices. [5:19] Fernanda loves ERM for everyone coming together to realize that there has to be something done; there has to be a risk assessment or something laid out. It's educating people that aren't in the risk industry that risk is always here and it's better to be prepared than to be sorry later. [5:44] Fernanda will take a course under David Young in her grad program. [6:05] Fernanda is the Women in Business VP, the Gamma Iota Sigma VP. She is more involved with the Gamma Iota Sigma group that meets Tuesday morning, weekly and hosts two to three events monthly. They have nine elected officials and are working on getting more members involved in the organization. [6:49] Fernanda was a moderator at the RIMS Western Regional. It was her first time moderating at a risk event and her first time in front of a huge crowd. It scared her a bit to be standing in front of 400 people, but it was a great opportunity, she got a lot of exposure and the session was fun and informative. [7:49] Fernanda has had other speaking opportunities, including high school commencement, for around 150 people. [8:12] Fernanda was one of the first two contestants for the RIMS ERM Squares. She had to agree or disagree with answers from nine seasoned risk professionals on stage. [9:18] Justin congratulates Fernanda and thanks her for being on RIMScast. [9:23] RIMS plug time! Upcoming Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. December 7th starts the three-part course, Leveraging Data and Analytics for Continuous Risk Management, which will be led by our friend Pat Saporito. [9:44] Fundamentals of Insurance returns on December 12th and 13th. It will be led by our good friend Gail Kyomura. Information about these sessions and others is on the RIMS Virtual Workshops page. Check it out and register! [10:01] On November 16th, Nationwide returns to present U.S. Customs Surety Bonds: A Primer for Risk Professionals. On November 21st, Beazley returns to present Business Risk: Helping Your Executives to Navigate Today's Volatile Risk Environment. [10:25] On December 1st at 7:00 a.m. Eastern, Prudent Insurance Brokers Private Ltd. returns to discuss Business Interruption. At 2:00 p.m. Eastern, on December 1st, the RIMS PUBLIC POLICY COMMITTEE PRESENTS: Understanding Nevada's “Defense Within the Limits” Ban. [10:47] On December 7, 2023, our friends at TÜV SÜD GRC return to discuss Engineering Resilience: Strategies for Preventing Machinery Breakdown. On December 12th, Prepare Yourself for the New Generation of Risk with Riskonnect. On December 14th, Aon will be Addressing Today's Risks While Preparing for the Risks of Tomorrow. [11:08] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [11:28] The next guests are Bobbi-Jo Pankaj, 2023 Summit Committee Chair, with AFERM, the Association for Federal Enterprise Risk Management, and Marianne Roth, AFERM President. AFERM was at the ERM Conference. [11:53] RIMS looks forward to collaborating with them for the 2023 AFERM Summit Training on November 28th and 29th at the Walter E. Washington Convention Center in Washington, D.C. The link is in this episode's show notes. Bobbi-Jo Pankaj and Marianne Roth, welcome to RIMScast! [12:18] Justin interviews high-ranking AFERM members, Marianne Roth, and Bobbi-Jo Pankaj, at the RIMS ERM Conference 2023. Marianne says AFERM is the only organization dedicated to government employees who are leaders in ERM. AFERM has about 500 members from state, local, and federal government and the private sector. [13:07] The members of AFERM facilitate ERM at all levels of government and in the nonprofit sector. Bobbi-Jo says she has a deep love for ERM. AFERM is the Association of Federal Risk Management. AFERM has a lot of activities for state, federal, and local governments and vendors. Bobbi-Jo is a vendor. She works for Guidehouse. [13:32] Bobbi-Jo is the Summit Chair for 2023. The Summit is very similar to the RIMS ERM Conference. The Summit focuses on weaving ERM into the fabric of government. There are usually 300 or 400 attendees in person and virtually. The Summit is November 28th and 29th. [13:53] AFERM is heavily tied to the federal government, so if the government shuts down, the event will be moved to a later date. It will still be in Washington, D.C. at the Washington D.C. Convention Center. RIMS is slated to have a presence at the Summit. [14:22] At the Summit, there's an exciting vibe; everybody loves ERM. There are speakers from the public and private sectors. There are 21 unique break-out sessions. There are five plenary speakers, including the Commissioner of the Internal Revenue Service. There's a lot of networking. Which is one of the best takeaways from the event. [14:46] There are tools and techniques that members have found successful in the government and the private sector. RIMS will have a booth at AFERM. Bobbi-Jo is excited to get potential new AFERM members from RIMS. A lot of AFERM members have the RIMS CRMP certification and the RIMS CRMP-FED microcertification. [15:20] Marianne and Justin met online a few years ago after Marianne won the Theodore Roosevelt Excellence in Government Award for Innovation in ERM at the Consumer Financial Protection Bureau. Justin saw it on LinkedIn and reached out to Marianne. They did a Q&A. It is linked in this episode's show notes. [15:54] Marianne has been an ERM risk practitioner for almost 10 years. Bobbi-Jo was in risk management first and has also been an ERM risk practitioner for about 10 years, since ERM took off in the federal government. [16:07] Marianne has seen a lot of maturation of ERM capabilities across federal agencies with organizations focusing on risk appetite and maturing their processes, mitigating risks more effectively. Bobbi-Jo agrees and notes that a lot of AFERM members use the RIMS Risk Maturity Model® to track the maturation of programs. [16:44] AFERM is an all-volunteer organization. They seek volunteers year-round. Marianne enjoyed the Summit so much, she got involved with AFERM. Bobbi-Jo has been doing the Summit for seven years and took on the Chair position because it is an amazing event. Justin looks forward to seeing them at future RIMS events. [17:22] Justin's final guest for this episode is Dr. Innocent Uzombah, MBA, the Registrar General/CEO of the Chartered Institute of Loan & Risk Management of Nigeria. He came from Nigeria to attend the RIMS ERM Conference in Denver and has also been to several more RIMS events. Justin invited him to RIMScast to share his unique perspective. [18:09] Dr. Innocent Uzombah, welcome to RIMScast! Dr. Uzombah is happy to be here. Dr. Innocent Uzombah has been a risk management practitioner for 13 years. Dr. Uzombah explains what drew him to risk management. He came to the RIMS ERM Conference to improve the body of knowledge in risk management practice in Nigeria. [19:56] The Chartered Institute of Loan & Risk Management of Nigeria shares ideas and information with offices in Ghana, Cameroon, Kenya, and some other African countries. [20:22] Dr. Innocent Uzombah says the session on Resilience was very good. He enjoyed other sessions, too. He will bring this information to Nigeria to teach others. He says risk management is a void in Africa. His advice to people in Nigeria interested in risk management is to get the right knowledge and education to fill the void. [21:57] Dr. Innocent Uzombah has attended the RIMS ERM conference starting with the 2019 conference in Louisiana. He will continue to attend so the body of risk knowledge will improve in Africa. Justin is glad Dr. Innocent Uzombah is getting so much from the RIMS conferences and looks forward to seeing him again. Dr. Uzombah thanks Justin. [23:23] Special thanks to all of my guests for joining us and to all the attendees of the RIMS ERM Conference 2023. We had a blast, from the sponsors to the attendees and presenters, everyone left with some great new insight, a wider network, and fun memories! Announcements about next year's ERM Conference will be made in 2024. [23:41] There is a special ERM edition of RIMS Risk Management Magazine that is also publicly accessible via the show notes. Check it out. You'll see articles and RIMScast interviews featuring familiar names and faces from the conference. [23:55] Go to the App Store and download the RIMS App. This is a special members-only benefit. Everybody loves the RIMS App! [24:19] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [25:02] 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. The RIMS app is available only for RIMS members! You can find it in the App Store. [25:26] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [25:42] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com and in print, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [26:04] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Mentioned in this Episode: RIMS Risk Management Magazine: ERM Special Edition 2023 2023 AFERM Summit Training | Nov 28–29, 2023 Riskworld 2024 — San Diego, CA | May 5–8, 2024 Embrace The Unknown: Unleashing the Power of Risk | Hosted Live & In-Person by RIMS NZ & PI | Feb. 12, 2024 Dan Kugler Risk Manager on Campus Grant RIMS-Certified Risk Management Professional (RIMS-CRMP) NEW FOR MEMBERS! RIMS Mobile App ERM Q&A with Marianne Roth: ERM at the Consumer Financial Protection Bureau (2020) RIMS Webinars: An Introduction to U. S. Custom Surety Bonds | Sponsored by Nationwide | Nov. 16, 2023 Business Risk: Helping your Executives Navigate Today's Volatile Risk Environment | Sponsored by Beazley | Nov. 21, 2023 Business Interruption | Sponsored by Prudent Insurance Brokers Ltd. | Dec. 1, 2023 RIMS PUBLIC POLICY COMMITTEE PRESENTS: Understanding Nevada's “Defense Within the Limits” Ban | Dec. 1, 2023 Engineering Resilience: Strategies for Preventing Machinery Breakdown | Sponsored by TÜV SÜD | Dec. 7, 2023 Prepare Yourself for the New Generation of Risk | Sponsored by Riskonnect | Dec. 12, 2023 Addressing Today's Risks While Preparing for Tomorrow | Sponsored by Aon | Dec. 14, 2023 RIMS.org/Webinars Upcoming Virtual Workshops: Leveraging Data and Analytics for Continuous Risk Management | Dec 7 Fundamentals of Insurance | Dec 12 See the full calendar of RIMS Virtual Workshops All RIMS-CRMP Prep Workshops — Including Chris Mandel's Dec 13–14 Course Related RIMScast Episodes: “All Roads Lead to ERM with Merline Barrington of the Port Authority of NY & NJ” “Harnessing Innovation's Promise with ERM Conference Keynote Bob Roitblat” “ERM's Value Proposition with Chris Mandel” “ERM in Banking & Finance with Eleni Willis” “Emerging Risks and Board Reporting with Suzanne Christensen” Sponsored RIMScast Episodes: “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. (New!) “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “Aon's 2022 Atlantic Hurricane Season Overview” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL 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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Chris Mandel! Spencer Educational Foundation RIMS DEI Council RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts. Have a question or suggestion? Email: Content@rims.org. Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn. About our guests Fernanda Gutierrez Franco Vice President | Gamma Iota Sigma-Beta Mu Vice President | Women in Business Student Assistant | Environmental Health and Safety Attends: University of Colorado Denver Marianne Roth, AFERM President Bobbi-Jo Pankaj, 2023 Summit Committee Chair Aferm.org Dr. Innocent Uzombah, MBA — Registrar General/CEO, Chartered Institute of Loan & Risk Management of Nigeria Tweetables (Edited For Social Media Use): ERM is everyone coming together to realize that there has to be a risk assessment or something laid out. It's educating the people who aren't a part of the risk industry that risk is always here and it's better to be prepared than to be sorry later. — Fernanda Gutierrez Franco I have a deep love for ERM. AFERM is the Association of Federal Risk Management. We have a lot of activities for federal, state, and local government, as well as vendors. I'm a vendor. — Bobbi-Jo Pankaj At the Summit, everybody loves ERM. We have public and private sector speakers. We have 21 unique break-out sessions. We have five plenary speakers, including the Commissioner of the Internal Revenue Service. There's a lot of networking. — Marianne Roth We share ideas between countries and try to improve the body of knowledge in the risk management practice in Africa. — Dr. Innocent Uzombah, MBA
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. In this episode, Justin interviews Davis Hake, Co-Founder of Resilience, about his career in national security work, including working with former Congressman Langevin, Homeland Security, and Obama's National Security staff. Davis tells about co-founding Resilience in the private sector to help organizations build cybercrime resilience. He introduces the Resilience Midyear 2023 Claims Report, revealing important trends discovered in cybercrime through claims data, Reliance research, and partner research. Davis closes the interview with a look to 2024, his plans for pushing the flywheel faster, and his analysis of what it will take to break the new cybercrime business model. Key Takeaways: [:01] About RIMScast. [:27] About today's episode, where we will discuss cyber security trends from Resilience's Midyear 2023 Claims Report. [:36] First, a quick shoutout to the RIMS New Zealand Pacific Island Chapter and Marsh Australia and New Zealand, who welcome you to Embrace The Unknown: Unleashing the Power of Risk, a one-day event on February 12, 2024 at the Pullman Hotel in Auckland, NZ. [1:00] It will be a gathering of experts, thought leaders, and professionals from various industries to explore and discuss the critical role of risk management in today's dynamic and uncertain world. There will be sessions on AI, Resilience, and Adaptability, highlighted by case studies and insights. See the link in this episode's show notes. [1:21] It's never too early to talk about RISKWORLD 2024! Save the date, May 5th–8th, 2024 in sunny San Diego, California. Booth and sponsorship sales are open. Member registration opens this month, November 2023 and public registration opens in December 2023. Visit RIMS.org/RISKWORLD to learn all about it. [1:51] Our guest today, Davis Hake, is the Co-Founder of Resilience, which recently released its Midyear 2023 Claims Report. They say ransomware is entering a new era as cybercriminals have begun shifting their tactics to bypass security controls by hitting critical vendors and seeking larger targets for extortions. [2:14] They're big game hunting again and we're going to talk all about it with Davis Hake. Davis had a fascinating career in government and we will learn about that, as well. [2:33] Davis Hake, welcome to RIMScast! This episode was recorded in October, National Cybersecurity Awareness Month, but as Davis says, every month is National Cybersecurity Awareness Month! [3:18] Davis grew up working in politics on the Hill, for Congressman Jim Langevin. Congressman Langevin was one of the first on the Hill to identify we had serious problems in our critical infrastructure in everything from power plants to communication. At about that time, Stuxnet became a public concern. [3:50] Congressman Langevin dove into looking at what we need to do as a nation to secure these larger problems. He realized cyber is an economic problem of incentives, cost, and how businesses manage their digital innovation. He set Davis on a path to be passionate about trying to fix it. [4:14] Davis worked for a time in the Obama administration for the National Security Council. He came to the private sector to work in cybersecurity and got together with his Co-Founders to build something that would take this technical problem to understand a company's risk and how they invest against it. [4:41] They looked at the insurance industry for how to drive better risk management practices and applied RM to cyber. They started in 2016. Now, in 2023, they have an amazing insurance team with some of the best folks in the industry, serving clients in the U.S., the EU, and the UK with close to 200 staff members. [5:32] Davis praises former Congressman Langevin for his intense concern about national security, not as a politician but as one who served not only his constituents but the nation. He worked across the aisle to serve the national good. Most importantly, he got things done. [6:18] Congressman Langevin left Congress in 2023. Before he left, he worked on the Cyber Solarium Commission, helped establish the office of the National Cyber Director, and helped establish some of the authorities that allowed DHS to build CISA. Congressman Langevin has retired to work on issues in the state of Rhode Island. [7:43] Resilience's Midyear 2023 Claims Report covers events from January through June of 2023. They wanted to report the data with actionable analysis on top of it. Besides Resilience claims data, they analyzed public data from other organizations to understand Resilience's data in the context of the broader cybercrime trends. [9:08] Third-party vendor risk has always been a concern. The change is that fewer and fewer companies are paying extortions to ransomware actors. So now groups are targeting critical vendors and running data extortions with thousands of victims. They don't encrypt. Resilience clients have filed incident reports on these attacks from Clop. [9:47] How do you protect against vendor risk? Risk transfer through cyber insurance is so important. Don't just look at the risk mitigation side, but also the risks out of your control. Insurance helps absorb environmental risks. With vendors, you can require that they prove verification from certain audits, like the SOC 2 Audit. [10:30] You can have vendors tell you best practices they follow with other clients. Are they practicing what they're preaching with their data security? You can limit the data you share with them. By just working with any vendor, which we all have to do, you are assuming their risk if they're holding your data and they're not your company. [11:22] The ransomware criminal marketplace is a bunch of startups, taking the easiest path to revenue. Running a negotiation, locking up a company, and ensuring that you get access to their backups all take a lot of time. [11:52] It is easier to target companies that have highly sensitive data they wouldn't want exposed and threaten to release it. Resilience sees a lower rate of payment for these types of attacks but those who pay, end up paying large amounts. The Moveit attack and following attacks are estimated to have made Clop around $100 million. [12:44] The Resilience report discusses data from other groups that show less than 40% of encryption victims are paying ransom, down from 80% in 2022. Resilience works to prepare their clients against ransomware attacks and about 15% of their clients attacked by ransomware pay the ransom. That number has gone down since 2022. [15:06] Resilience helps clients to imagine the worst day for their clients. Let's work backward to ensure that the worst day doesn't happen. That thinking has been core in helping companies reduce paying extortions. When executives pay extortions, it's usually in a panic, thinking they can make this worst day immediately go away. [15:49] If criminal groups have access to your data, they will do everything they can to use it against you. Prepare to protect that data in a way that is incredibly secure or resilient or make your organization resilient to this type of pressure. That's the best thing you can do to limit financial loss and protect your customers from their worst day. [16:21] RIMS plug time! Upcoming Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. December 7th starts the three-part course, Leveraging Data and Analytics for Continuous Risk Management, which will be led by our friend Pat Saporito. [16:42] Fundamentals of Insurance returns on December 12th and 13th. It will be led by our good friend Gail Kyomura. Information about these sessions and others is on the RIMS Virtual Workshops page. Check it out and register! [16:59] Metrics That Matter has cyber on their minds with Enhance Decision-Making Across Your Cybersecurity Program on November 7th. CLARA Analytics makes its RIMS debut on November 9th with Risk Management in the Era of Artificial Intelligence. [17:22] On November 16th, Nationwide returns to present U.S. Customs Surety Bonds: A Primer for Risk Professionals. On November 21st, Beazley returns to present Business Risk: Helping Your Executives to Navigate Today's Volatile Risk Environment. [17:41] On December 12th, Prepare Yourself for the New Generation of Risk with Riskonnect. On December 14th, Aon will be Addressing Today's Risks While Preparing for the Risks of Tomorrow. [17:54] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [19:01] After the Colonial Pipeline attack, the U.S. security establishment got much more serious about ransomware. Defense against cybercrime was something that had been left up to the private sector. The administration started to take cybercrime seriously and cooperate with industry, working with CISA and the FBI heavily to fight back. [19:48] When the War in Ukraine happened, the cooperation between the public and private sectors in the fight against ransomware intensified. As organizations have become more resilient against paying extortion, cybercriminals have to go after the big guys to get a payment. Cybercrime is indiscriminate between industries it targets. [20:29] In Q1, 2023 there was a tide of cybercrime targeting healthcare organizations. In Q2, there was a big tide against manufacturing organizations. Clop then hit a few vendors for educational organizations. Organizations like MGM and Caesar's which were hit, have massive networks full of devices they monitor, with different networks. [21:13] MGM refused to pay, while Caesar's paid the extortion. The reporting shows that Caesar's has had an easier road to recovery. It may make more economic sense for large companies to pay the extortion. But that's a bad message. That's what has Resilience concerned. More complex clients, though better defended, are likely to pay. [22:02] Groups like Clop are choosy about their targets and prioritize large organizations with a lot to lose. To successfully defend cyber in an enterprise, all the tech teams must work together and not remain siloed. Incentives have to come from the top that get the CIO, Risk, and Finance planning budgets together. It's how your team works together. [23:06] Davis served briefly on the National Security staff in the Obama Administration after working in Homeland Security. [23:22] After the Obama Administration, a lot of the National Security staff moved to the private sector. Some continued to fight the security fight. The CEO of Resilience is a part-time Reservist working in Cyberdefense. He sees the national-level mission and the larger cyber trends. [24:18] Most insurance is not operational; it's reactionary, working with prior data to price the risk. In cyber, you're too late if you're taking that approach. Resilience has a threat intelligence team, taking in data much faster than a traditional insurance organization. [25:07] Resilience is standing up a team that is working to provide technical analysis and trend analysis. They will show the large trends and the reasons they are happening, and validation from Resilience data and partner data. They're combining financial loss and impact with threat intelligence they are monitoring from the security team. [26:59] Davis says the tactic of encryptionless distortion is an evolution of the cybercrime business model, making it more efficient and effective. It's a call to action for security. Building better widgets will not out-innovate these guys. We have to build better strategies and better business models that take their business models down. [27:28] Resilience is working to build a better resilient flywheel, with insurance, visibility, and working with clients to address that will ultimately lead to lower financial loss for clients and the Resilience insurance company. They want to push the flywheel faster and faster until they can get inside the adversary's business model. [28:03] Special thanks again to Davis Hake for joining us on RIMScast. The link to the Midyear Report is in this episode's show notes. [28:13] Go to the App Store and download the RIMS App. This is a special members-only benefit. Everybody loves the RIMS App! [28:37] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [29:21] 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. The RIMS app is available only for RIMS members! You can find it in the App Store. [29:46] 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. [30:02] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com and in print, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [30:25] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Mentioned in this Episode: Riskworld 2024 — San Diego, CA | May 5–8, 2024 Embrace The Unknown: Unleashing the Power of Risk | Hosted Live & In-Person by RIMS NZ & PI | Feb 12, 2024 | Register early to save 18%: Dan Kugler Risk Manager on Campus Grant RIMS-Certified Risk Management Professional (RIMS-CRMP) NEW FOR MEMBERS! RIMS Mobile App Resilience Midyear 2023 Claims Report RIMS Webinars: Enhance Decision-Making Across Your Cybersecurity Program | Sponsored by Metrics That Matter | Nov. 7, 2023 Risk Management in the Era of Artificial Intelligence | Sponsored by CLARA Analytics | Nov. 9, 2023 An Introduction to U. S. Custom Surety Bonds | Sponsored by Nationwide | Nov. 16, 2023 Business Risk: Helping your Executives Navigate Today's Volatile Risk Environment | Sponsored by Beazley | Nov. 21, 2023 Prepare Yourself for the New Generation of Risk | Sponsored by Riskonnect | Dec. 12, 2023 Addressing Today's Risks While Preparing for Tomorrow | Sponsored by Aon | Dec. 14, 2023 RIMS.org/Webinars Upcoming Virtual Workshops: Leveraging Data and Analytics for Continuous Risk Management | Dec 7 See the full calendar of RIMS Virtual Workshops All RIMS-CRMP Prep Workshops — Including Chris Mandel's Dec 13–14 Course Related RIMScast Episodes: “Cybersecurity Awareness Month 2023 with Pamela Hans of Anderson Kill” “Cybersecurity Reporting Updates with Hilary Tuttle of Risk Management Magazine” “Cybersecurity and Insurance Outlook 2023 with Josephine Wolff” “Genuine Generative AI Talk with Tom Wilde of Indico Data” “Getting to Know Jackware with Dan Healy of Anderson Kill” Sponsored RIMScast Episodes: “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. (New!) “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “Aon's 2022 Atlantic Hurricane Season Overview” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL 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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Darius Delon! Spencer Educational Foundation RIMS DEI Council RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts. Have a question or suggestion? Email: Content@rims.org. Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn. About our guest Davis Hake Co-Founder of Resilience Tweetables (Edited For Social Media Use): Instead of encryption for ransom, it is easier to target companies that have highly sensitive data they wouldn't want to be exposed and threaten to release it. — Davis Hake Most insurance is not operational; it's reactionary, working with past data to price the risk. In cyber, you're too late if you're taking that approach. — Davis Hake The current tactic of encryptionless distortion is an evolution of the cybercrime business model, making it more efficient and effective. It's a call to action for security. — Davis Hake
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. In this episode, Justin interviews Merline Barrington, ERM Manager for the Port Authority of NY and NJ, who will be a speaker at the RIMS ERM Conference 2023 on the morning of Friday, November 3rd. Justin and Merline discuss Merline's career path, what her passion is, and how it led her to the Port Authority. She speaks of the benefits she gains from her CRMP certification and gives us a glimpse of what to expect from her session on Nov. 3, at the RIMS ERM Conference 2023. Key Takeaways: [:01] About RIMScast. [:14] These are the final days to register for the RIMS ERM Conference 2023, in Denver, Colorado on November 2nd–3rd. Visit RIMS.org/ERM2023 and listen to this episode to hear the online-only code you can use to save 10% off your registration at checkout! [:46] About today's episode, where we will discuss ERM and transportation with Merline Barrington of the Port Authority of NY and NJ. Merline will be a presenter at the ERM Conference 2023. [1:06] The RIMS ERM Conference 2023 will be held in Denver, Colorado on November 2nd and 3rd. Visit RIMS.org/ERM2023 to view the agenda. At checkout, if you type code 2023RIMSCAST, all one word with no spaces, you will receive 10% off your registration. [1:27] The ERM Conference 2023 will be different than years past. We've got some great changes. Book your travel plans now! RIMS will host a Post-conference Workshop for the RIMS CRMP from 9:00 to 4:00 MT on November 4th and 5th. Save $100 when you register for the conference and workshop in one transaction. Links are in the notes. [1:58] My guest today, Merline Barrington, is the Manager of Enterprise Risk Management for the Port Authority of New York and New Jersey. On November 3rd, she will be leading one of the breakout sessions at 9:00 a.m., titled “Connecting ERM to Strategy: Tackling Strategic Risks a Deep Dive at a Time.” [2:20] Merline is also a CRMP holder and a lot of fun to speak with. Let's get started! Justin welcomes Merline Barrington to RIMScast! [2:32] Justin and Merline met last year at the RIMS ERM Conference 2022 in Indianapolis. Merline was a very excited attendee. Justin picked up on that enthusiasm and suggested Merline should submit a session. Today, they will talk about the session Merline will do for RIMS ERM Conference 2023. [3:13] Merline Barrington's session for RIMS ERM Conference 2023 is called “Connecting ERM to Strategy: Tackling Strategic Risks a Deep Dive at a Time,” on November 3rd, kicking off the Friday morning sessions. Merlin is more excited than nervous about it! [3:34] Justin was fascinated with Merline's position at the Port Authority of New York and New Jersey. She is the lead for ERM. The ERM unit is a small, nimble, central group with dotted line connections up, down, and across the enterprise to areas that are indirectly or directly responsible for ERM risks to their business and objectives. [4:35] As a Certified Risk Management Professional (CRMP), Merline is responsible for leading and innovatively developing an ERM program designed to proactively manage business, operational, emerging, and strategic risks to this very complex, quasi-government, bi-state organization. [4:55] The Port Authority of New York and New Jersey spans several global business segments altogether valued at several billion dollars. Merline's work includes determining the agency's ERM framework and architecture, and integrating risk intelligence with key functions such as strategic planning and resource allocation. [5:21] Merline also works with partners in different lines of defense, such as audit and insurance. All of this is ultimately to inform decision-making and to provide that holistic view and understanding of significant risks to executive and board-level audiences. [5:39] Merline works with various levels of the enterprise, from the most senior executive levels to the front-line staff to proactively identify and manage risk via workshops, risk control self-assessments (RCSA), and other techniques. [5:57] Importantly, Merline's job also includes developing and mentoring practitioners on her team and indirect team members throughout the organization to deliver on its program's value proposition. [6:32] Merline discusses the value proposition of ERM. If you take the time to craft an honest and accurate value proposition for the brand of ERM of your organization and consider what your key audience expects from ERM, you can develop a cascading message where the core remains the same but there are different levels of zooming in. [8:06] The Port Authority is responsible for transportation by land, water, air, and roadways. This includes the major airports in the New York-New Jersey region, and one in upper New York: LaGuardia, JFK, Newark, and National Airports. It includes the seaport, marine terminals, bus terminals, bridges, tunnels, and commuter rail pass. [9:31] The Port Authority also has some real estate in Lower Manhattan. If you're in or around New York or New Jersey, you touch a Port Authority asset, one way or another, [10:02] Merline explains what brought her to the Port Authority. She has a passion for public service. She earned a spot in the agency's competitive management program for grad students. She touched many areas of the agency, which piqued her interest in a career in an area where she could leverage her skills to improve public service. [10:41] Merline's career at a transportation provider led her to risk by providing an avenue to build her career in an area that is purposed to protect routine, mature organizational value. That is ERM. Following her passions in what she is good at is what led Merline to ERM. She wants to make public institutions better with her skills. [11:21] This is Merline's 10th year at the Port Authority. [11:50] RIMS plug time! Justin sends a quick shoutout to the RIMS New Zealand and Pacific Island Chapter and Marsh Australia and New Zealand, who welcome you to “Embrace the Unknown, Unleashing the Power of Risk.” This is a one-day session on February 12th, 2024 at the Pullman Hotel in Auckland, New Zealand. [12:13] It will be a gathering of experts, thought leaders, and professionals from various industries to explore and discuss the critical role of risk management in today's dynamic and uncertain world. There are sessions about AI, resilience, and adaptability, highlighted by case studies and insights. A link is on this episode's notes. [12:35] Upcoming Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. Our friend Chris Hansen was recently on RIMScast. He will be leading Managing Worker Compensation, Employer's Liability, and Employment Practices in the US on November 7th and 8th. Be sure to register for that course! [13:03] December 7th starts the three-part course, Leveraging Data and Analytics for Continuous Risk Management, which will be led by our friend Pat Saporito. [13:15] Information about these sessions and others is on the RIMS Virtual Workshops page. Check it out and register! [13:24] On October 31st, Resolver returns to present Building Your Business Case for GRC Software in 2024. Metrics That Matter has Enhanced Decision-Making Across Your Cybersecurity Program on November 7. CLARA Analytics makes its RIMS debut on November 9th with Risk Management in the Era of Artificial Intelligence. [13:56] On November 16th, Nationwide returns to present U.S. Customs Surety Bonds: A Primer for Risk Professionals. On November 21st, Beazley returns to present Business Risk: Helping Your Executives to Navigate Today's Volatile Risk Environment. [14:15] On December 12th, Prepare Yourself for the New Generation of Risk with Riskonnect. On December 14th, Aon will be Addressing Today's Risks While Preparing for the Risks of Tomorrow. [14:28] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [14:49] Generally speaking, organizations of similar size or depth to the Port Authority may be experiencing a confluence of strategic risks, such as cybersecurity meets climate change, and the need to adopt digital and climate-friendly technology at a balanced rate, so as not to exceed the adoption curve, while attracting the right talent. [15:41] Merline believes organizations are having to grapple with the introspection of these risk areas, compounded by a volatile global and economic context. The ability to interpret uncertainty before it fully emerges is relevant to organizational strategy. Being able to measure the potential impact is critical to the success of any organization. [16:25] Merline advises organizations and travelers to book flights early and plan ahead. Have a Plan B. See if your destination is also served by rail or other modes of transport since things are unpredictable. If your flight doesn't work out, you have another plan. [17:44] Merline's RIMS CRMP certification has added much value to how she approaches ERM in the organization, especially in how she develops new staff. It helps when mentoring staff to be able to point to specific principles and research to delve into to become a better RMP and communicate how said principles enrich the work they do. [18:26] Merline earned her RIMS CRMP about two years ago. She was attending the conference where she met Justin as a way to gather credits toward recertification. Merline has a lot of interest in ERM and AI and data analytics and ERM. [19:28] All roads lead to the further integration of ERM and strategy, using all the developing emerging technologies of AI, data, etc. ERM is to get better insights and get ahead of the curve to bring meaningful dialog to the attention of decision-makers and facilitate decision-making based on a thorough understanding of data and analytics. [20:14] Merline Harrington shares her CRMP story in a link in this episode's show notes. [20:21] Merline's ERM session will be one of the first Conference breakouts of November 3rd, “Connecting ERM to Strategy: Tackling Strategic Risks a Deep Dive at a Time.” Merline is excited to share a bit of the journey of her ERM practice at the Port Authority, sharing her wins and lessons learned that turned into tactics and techniques. [21:31] Merline will be highlighting some of the turning points, all of which happened at a complex organization while engaging several different types of businesses, which added complexity to her work. [21:54] Merline is eager to have this conversation on ERM starting with COSO's updated version of the ERM Framework in 2016‒2017, explicitly tying what we do to strategy setting, strategy execution, and strategy monitoring. And then the hard work came in of planning how to do it. Everyone has their own flavor or path of ERM. [22:32] If a person can walk away from the session with a helpful technique or two Merline will think she has been successful. Justin will try to jump into Merline's session first thing in the morning. [22:58] Justin tells Merline Barrington it's a real pleasure to see her again, and looks forward to seeing her later this week in Denver. [22:19] Special thanks again to Merline Barrington of the Port Authority of New York and New Jersey for joining me on RIMScast. I have a link to her CRMP story on this episode's show notes. She'll be kicking things off for us on November 3rd at the RIMS ERM Conference 2023 in Denver, Colorado. [23:40] Last call for registration, folks. Visit RIMS.org/ERM2023. Register today, We want to see you there! [23:48] Go to the App Store and download the RIMS App. This is a special members-only benefit. Everybody loves the RIMS App! [24:10] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [24:54] 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. The RIMS app is available only for RIMS members! You can find it in the App Store. [25:20] 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. [25:36] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com and in print, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [25:58] Justin thanks you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Mentioned in this Episode: RIMS ERM Conference 2023 | Nov 2–3 in Denver, CO! Enter 2023RIMSCAST at checkout for 10% off registration! Embrace The Unknown: Unleashing the Power of Risk | Hosted Live & In-Person by RIMS NZ & PI | Feb 12, 2024 | Register early to save 18%: Dan Kugler Risk Manager on Campus Grant RIMS-Certified Risk Management Professional (RIMS-CRMP) NEW FOR MEMBERS! RIMS Mobile App Merline Barrington's RIMS-CRMP Story RIMS Webinars: Building Your Business Case for GRC Software in 2024 | Sponsored by Resolver | Oct. 31, 2023 Enhance Decision-Making Across Your Cybersecurity Program | Sponsored by Metrics That Matter | Nov. 7, 2023 Risk Management in the Era of Artificial Intelligence | Sponsored by CLARA Analytics | Nov. 9, 2023 An Introduction to U.S. Custom Surety Bonds | Sponsored by Nationwide | Nov. 16, 2023 Business Risk: Helping your Executives Navigate Today's Volatile Risk Environment | Sponsored by Beazley | Nov. 21, 2023 Prepare Yourself for the New Generation of Risk | Sponsored by Riskonnect | Dec. 12, 2023 Addressing Today's Risks While Preparing for Tomorrow | Sponsored by Aon | Dec. 14, 2023 RIMS.org/Webinars Upcoming Virtual Workshops: Captives as an Alternate Risk Financing Technique | Nov 1 Managing Worker Compensation, Employer's Liability and Employment Practices in the US | Nov 7 Leveraging Data and Analytics for Continuous Risk Management | Dec 7 See the full calendar of RIMS Virtual WorkshopsAll RIMS-CRMP Prep Workshops – Including Chris Mandel's Dec 13-14 Course Related RIMScast Episodes: “Harnessing Innovation's Promise with ERM Conference Keynote Bob Roitblat” “ERM's Value Proposition with Chris Mandel” “ERM in Banking & Finance with Eleni Willis” “Emerging Risks and Board Reporting with Suzanne Christensen” Sponsored RIMScast Episodes: Cyclone Season: Proactive Preparation for Loss Minimization | Sponsored by Prudent Insurance Brokers Ltd. (New!) “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “Aon's 2022 Atlantic Hurricane Season Overview” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL 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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Darius Delon! Spencer Educational Foundation RIMS DEI Council RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts. Have a question or suggestion? Email: Content@rims.org. Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn. About our guest Merline Barrington ERM Manager for the Port Authority of NY and NJ Tweetables (Edited For Social Media Use): As a Certified RMP, I am responsible for leading and innovatively developing an ERM program designed to proactively manage business, operational, emerging, and strategic risks to this very complex, quasi-government, bi-state organization. — Merline Barrington I work with various levels of the enterprise, from the senior executive levels to the front-line staff to proactively identify and manage risk via workshops, risk control self-assessments (RCSA), and other techniques. — Merline Barrington If a person can walk away from the session with a helpful technique or two, then I think I would have been successful. — Merline Barrington
Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. While ERM can fit any organization, it is also different for every organization. How do you translate ERM from your previous organization to your new one? What areas of synergy might you have, and how do you navigate different governance structures and cultures? This session will provide insight from different perspectives and companies to demonstrate how you can implement a successful ERM program wherever you go. In this episode, Justin interviews three guests: Sandra Fontenot, Manager of Risk Management at Omnicell, Alison Sweeney, Vice President and Fine Art Expert, and Michelle Stegmann, Vice President of Claims, both of Distinguished Fine Art & Collectibles. Justin and Sandra discuss her ERM career and her upcoming ERM Conference Session on Nov 3. Then Justin interviews Alison Sweeney and Michelle Stegmann about insuring fine art and their experiences in it. Key Takeaways: [:01] About RIMScast. [:14] Register for the RIMS ERM Conference 2023, which will be held in Denver, Colorado on November 2nd–3rd. RIMS will also host an ERM-based tour of Ball Arena in Denver on November 1st. Limited seating is available. Visit RIMS.org/ERM to register and listen to this episode to hear the code for 10% off your registration! [:41] About today's episode where we will first talk about ERM and then get into a discussion about fine art and risk. [1:01] All about exciting, upcoming RIMS events! The Spencer-RIMS Risk Management Challenge is a six-month competition for university students where teams compete to develop and present the most comprehensive risk management report based on a case study. [1:19] Eight teams will present their findings at RISKWORLD 2024 in San Diego, California to a panel of risk management professionals. The top three teams will be awarded cash prizes and recognized at the Spencer reception and during the RISKWORLD Conference Finale. This is our annual international student competition. [1:39] Full details can be found on the Spencer website at Spencered.org. The application period closes on October 31st, 2023. Get involved; participate. We hope to see you at RISKWORLD! [1:52] The RIMS Legislative Summit is returning to Washington, D.C. on October 25th and 26th. Visit RIMS.org/Advocacy to register. [2:04] The RIMS ERM Conference 2023 will be held November 2nd and 3rd in Denver, Colorado. On November 1st, RIMS is hosting an ERM-based tour of Ball Arena, where the Denver Nuggets and Denver Avalanche play. There is limited seating. Register at RIMS.org/ERM2023. At checkout, type code 2023RIMSCAST for 10% off registration! [2:52] The ERM Conference 2023 will be different than years past. We've got some great changes. Book your travel plans now! RIMS will host a Post-conference Workshop for the RIMS CRMP from 9:00 to 4:00 MT on November 4th and 5th. Save $100 when you register for the conference and workshop in one transaction. Links are in the notes. [3:22] My first guest, Sandra Fontenot, is an ERM Manager for Omnicell in Texas. She was a recipient of the ERM Award of Distinctions Honorable Mention in 2021 for her work at Dallas Fort Worth International Airport. [3:39] We will hear a bit about Sandra's career and the session that she will co-present at the RIMS ERM Conference on November 3rd, titled “ERM: Same Process, Different Organization.” Sandra Fontenot, welcome to RIMScast! [4:43] Sandra is the Manager of Risk Management at Omnicell, an autonomous pharmacy company. Omnicell works with hospitals and pharmacies, providing pharmacy staffing, software, and robotic dispensing machinery to make sure the right patient gets the right medication at the right time. Omnicell is global, based in Texas. [6:18] Sandra describes her past work at DFW Airport. A month-and-a-half after she started there, DFW went on lockdown during COVID-19. It gave Sandra the opportunity to learn the ins and outs of the airport while working in a hybrid situation. It also opened opportunities for construction and improvements to the facility. [7:30] In 2021, DFW Airport was awarded the RIMS Global Award of Distinction for its Enterprise Risk Management program. Sandra describes how that came to pass. The infrastructure of an airport is like a city. It all has to run from the roads to the water to the bathroom tissues and the concessions. It has a police department. [10:26] Sandra will be one of three presenters of a session at RIMS ERM Conference 2023, on November 3rd, called “ERM: Same Process, Different Organization.” One co-presenter, Trisha Sqrow, worked with Sandra at DWF Airport. Their presentation states that no matter what your enterprise is, the ERM process is typically the same. [11:01] You have to make sure that you have a process in place to look at risks and opportunities and determine the likelihood and the potential financial impact of each risk or opportunity. The basis and principle are the same wherever you are. Risk professionals in ERM network and share ideas at ERM conferences. [12:14] Sandra's presentation will be on November 3rd at the RIMS ERM Conference 2023 in Denver, Colorado. [12:31] When Sandra started at Omnicell, they had rolled out their first ERM survey the previous year. Now they are doing deeper dive conversations, adding onto that survey, and putting together a Risk Council. Sandra says she is a department of one-and-a-half, including the support and guidance of her great manager. [13:38] Sandra is also looking forward to being an ERM Square. ERM Squares is the new conference finale! It will feature nine seasoned risk professionals answering questions that students will then agree or disagree with. At the end of ERM Squares, there will be a raffle for a complimentary registration to RISKWORLD 2024 for an audience member. [15:57] RIMS plug time! RIMS wants you to submit your nomination for Risk Manager of the Year 2024. This prestigious award recognizes outstanding performance in the practice of risk management and will be presented at RISKWORLD 2024. Individuals must be RIMS members in good standing if they are selected to receive this award. [16:22] You are also required to be a member to win any future award. Part 1 Nominations for the 2024 Risk Manager of the Year program are due by October 27th. Check the link in this episode's show notes for more information and to view the guidelines for submission and judging criteria. [16:42] Upcoming Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. Our friend Chris Hansen was recently on RIMScast. He will be leading Managing Worker Compensation, Employer's Liability, and Employment Practices in the US on November 7th and 8th. Be sure to register for that course! [17:16] Information about these sessions and others is on the RIMS Virtual Workshops page. Check it out and register! [17:24] On October 26th, our friends from Zurich North America return to present PFAS Forever Chemicals – Regulations, Litigation, New Technologies. On October 31st, Resolver returns to present Building Your Business Case for GRC Software in 2024. [17:49] Metrics That Matter has Enhanced Decision-Making Across Your Cybersecurity Program on November 7. CLARA Analytics makes its RIMS debut with Risk Management in the Era of Artificial Intelligence. [18:08] On November 21st, Beazley returns to present Business Risk: Helping Your Executives to Navigate Today's Volatile Risk Environment. On December 12th, Prepare Yourself for the New Generation of Risk with Riskonnect. On December 14th, Aon will be Addressing Today's Risks While Preparing for Tomorrow. [18:32] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [18:46] National Fine Art Appreciation Day is celebrated annually on October 25th. My next guests, Michelle Stegmann and Alison Sweeney, from the Distinguished Fine Art and Collectibles Group at Distinguished Programs, paint some broad strokes for us about how fine art and risk management intersect. [19:09] Michelle Stegmann and Alison Sweeney, welcome to RIMScast! [19:44] Michelle is a 30-year claims veteran and an attorney. She has been with large carriers including CNA, Clemen Forster, and Firemans Fund/Allianz, and in the programs space, working with MGAs and now with an MGA, Distinguished Programs, on their fine art and collectibles team. Michelle has a huge passion and love for the arts space. [20:38] Before joining Distinguished Programs, Alison was a fine art underwriter for AXA XL. Before that, she was a broker in the fine art space for eight years. For nine years before that, Alison worked in art appraisals, doing risk assessments and evaluations and working on claims. Alison is passionate about art and has a master's in art history. [21:52] Alison explains that commercial fine art policy is a property policy on items of a fine art nature, and antiques, jewelry, silver, rugs, and more that you might collect that have value. Art is subjective. For an insurance policy, it is something unique or unusual that has a market value and is replaceable. [22:47] The policy makes the client whole by restoration or replacement of the item with one of similar value or as close to restoration or replacement as is possible. [23:23] Michelle describes types of fine art policies for galleries, owners, collectors, and museums. [24:05] Michelle lists use cases to show the value of a fine art policy to an organization or a collector. Many objects that have important value to the people who belong to an institution can be covered. [25:07] The large majority of claims are not dramatic theft claims but damage or loss of the piece during transit; water damage from a burst pipe; damage from humidity, fire, or smoke; vandalism, linked to climate change protests; outdoor sculptures being subjected to the elements; natural catastrophic disasters; or accidental breakage. [27:22] A total loss is quite uncommon, except in a fire. Much more frequently there are partial losses where something needs to be repaired to be restored to its original condition. [27:51] In a partial loss, you may get the call while the loss is in progress. The first step is to make sure the artwork is removed from the dangerous situation to prevent further damage. When the situation is stabilized, you get a conservator involved to look at the piece, assess what needs to be done to repair it, and come up with a treatment plan. [28:49] If the artist is living, the claims adjuster will confer with the artist under the Visual Artists Rights Act (VARA) in America which gives artists the moral right to ensure that the essential meaning and intent of the piece is preserved even after sale, and make sure that the artist is on board with the treatment plan. [29:14] Once everything aligns, the treatment plan is commenced and the piece is restored. Then there is an assessment done to determine if there's any diminution in the value. Then there is a determination on whether any payments would appropriately issue. Finally, the claim is concluded and the restored piece is returned to the owner. [29:56] Alison reveals that the greatest number of claims the industry has seen in recent years was the result of Superstorm Sandy. There was a huge inundation of water in Chelsea, where a lot of galleries and storage facilities were based. It impacted a huge number of commercial galleries. It took many years to sort through insurance claims. [30:32] As a result of Superstorm Sandy, people have become more cautious about basement storage. A stillage warranty requires maintaining property a certain number of inches off the ground. There has been a huge embrace of water sensors that alert the owner to any sort of inundation from pipes or flooding, to get in and remove property. [31:17] Michelle relates the story of the Picasso painting, Le Rêve, which was owned by casino magnate Steven Wynn in New York and sold to hedge fund manager Stephen Cohen in 2006 for a record $139 million. Before the transfer, when showing it to Nora Ephron and Barbara Walters, Wynn accidentally put his elbow through the painting. [32:22] This resulted in a six-inch tear. The tear was repaired by an insurance carrier for $90 thousand. The painting sold again in 2013 to Stephen Cohen for a record $155 million. Damage to a piece of art doesn't necessarily cause diminution in value. [33:19] Alison addresses fine art insurance trends. Since COVID-19, art fairs, where multiple galleries exhibit, have been picking up again. Galleries have also made a big pivot to online sales, growing into new markets. That means an increase in transits and smaller sales. It leads to a change in the way to approach transit insurance. [34:21] Michelle talks about dealing with reputable shippers and packers who know how to pack fine art. There has been an increase in people moving, and moving their personal items as well as their fine art. They must make sure the company they work with is very well-versed in how to move art. [35:02] In 2019, Justin covered an event for RIMS, called The Business of Art. Alison was there. She remembers people coming up with creative and interesting questions. Events like that show what insurance industry professionals who don't work in fine art are interested in. She hopes to attend more events like that soon. [37:17] Michelle reflects on her career. From a claims perspective, this is exactly where she planned to be when she started. She was always interested in helping people solve their problems and fix something that had gone awry. That is also what attracted her to the law. [37:49] In the fine arts space, people have an emotional connection to these pieces of beauty which means that there's a human interaction that can't be downplayed in the claims process, in facilitating that and making sure they get to where they need to be. [38:00] Alison didn't know when she started studying art history that there was a world in which you could be an advisor in an insurance capacity. She feels extremely fortunate to have this position to help people with the collections they are personally invested in. The items very often are family heirlooms. [38:55] Alison has seen a huge trend in businesses toward maintaining a cloud-based management system for their collection. Having a photo document accessible with details on the location of the property, the values, and the dimensions is a gift. It's great, from an insurance perspective to access that. [39:28] Happy National Fine Art Day to you both! It's been such a pleasure to have you hear on RIMScast. There is a link to an article from Distinguished on this episode's notes. Hopefully, we see you at another fine art event in the city, and not put our elbows accidentally through anything and create a six-inch tear! [40:00] Special thanks again to all of my guests. I have a link to an article from Distinguished about fine art and risk management. I've also got a link to RIMS coverage, including a piece I wrote, covering a fine art and risk management event in 2019. See the links in this episode's show notes. [49:17] Go to the App Store and download the RIMS App. This is a special members-only benefit. Everybody loves the RIMS App! [40:37] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [41:20] 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. The RIMS app is available only for RIMS members! You can find it in the App Store. [41:44] 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. [42:00] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com and in print, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [42:21] Justin thanks you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe! Mentioned in this Episode: RIMS ERM Conference 2023 | Nov 2–3 in Denver, CO! Enter 2023RIMSCAST at checkout for 10% off registration! RIMS Legislative Summit — Oct 25 & 26, Washington, D.C. Dan Kugler Risk Manager on Campus Grant Spencer-RIMS Risk Management Challenge 2024 — Be a Case Study or Join Judging Panel! RIMScast to receive the 2023 Excellence in MarCom Award from the New York Society of Association Executives (NYSAE)! RIMS-Certified Risk Management Professional (RIMS-CRMP) Nominate someone to RIMS 2024 Risk Manager of the Year or another RIMS award NEW FOR MEMBERS! RIMS Mobile App Fine Art coverage: “The Risky ‘Business of Art' Explored at Observer Event” | Risk Management Monitor “The Intrinsic Beauty of Risk Management” | Risk Management Magazine “Protecting the Priceless” | Risk Management Magazine “Understanding Fine Art and Collectibles Insurance by Distinguished” | Distinguished Fine Art & Collectibles Insurance RIMS Webinars: PFAS Forever Chemicals — Regulations, Litigation, New Technologies | Sponsored by Zurich | Oct. 26, 2023 Building Your Business Case for GRC Software in 2024 | Sponsored by Resolver | Oct. 31, 2023 Enhance Decision-Making Across Your Cybersecurity Program | Sponsored by Metrics That Matter | Nov. 7, 2023 Risk Management in the Era of Artificial Intelligence | Sponsored by CLARA Analytics | Nov. 9, 2023 An Introduction to U. S. Custom Surety Bonds | Sponsored by Nationwide | Nov. 16, 2023 Business Risk: Helping your Executives Navigate Today's Volatile Risk Environment | Sponsored by Beazley | Nov. 21, 2023 Prepare Yourself for the New Generation of Risk | Sponsored by Riskonnect | Dec. 12, 2023 Addressing Today's Risks While Preparing for Tomorrow | Sponsored by Aon | Dec. 14, 2023 RIMS.org/Webinars Upcoming Virtual Workshops: Captives as an Alternate Risk Financing Technique | Nov 1 Managing Worker Compensation, Employer's Liability and Employment Practices in the US | Nov 7 See the full calendar of RIMS Virtual WorkshopsAll RIMS-CRMP Prep Workshops — Including Chris Mandel's Dec 13-14 Course Related RIMScast Episodes: “Harnessing Innovation's Promise with ERM Conference Keynote Bob Roitblat” “Celebrating International Podcast Day™ and Risk with Jay Gates and Elisa Stampf” “Evolving Fire Risks with Ralph Bless”“Trisha Sqrow Talks ERM in the Air and on the Ground” Sponsored RIMScast Episodes: “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. (New!) “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “Aon's 2022 Atlantic Hurricane Season Overview” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL 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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Darius Delon! Spencer Educational Foundation RIMS DEI Council RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts. Have a question or suggestion? Email: Content@rims.org. Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn. About our guests Sandra FontenotManager, Risk Management at Omnicell Alison Sweeney Vice President and Fine Art Expert, Distinguished Fine Art & Collectibles Michelle Stegmann Vice President of Claims, Distinguished Fine Art & Collectibles Distinguished.com/blog Tweetables (Edited For Social Media Use): DFW Airport is a mini-city within itself. We did have our own police department, so we made sure that they were able to get back and forth to work and scheduled overnight housing at hotels for them. — Sandra Fontenot In the fine arts space, people have an emotional connection to these pieces of beauty which means there's a human interaction that can't be downplayed in the claims process, in facilitating that and making sure they get to where they need to be. — Michelle Stegmann I didn't know when I started studying art history that there was a world in which you could be an advisor in an insurance capacity. I feel extremely fortunate to have this position to help people with the collections they are invested in; often heirlooms. — Alison Sweeney
Welcome to this special episode of the Fit CEO podcast! Today, I have the pleasure of introducing our client and now assistant business coach, Sarina. She started off in our 10K Accelerator Program and has grown her business up to 10k/month. She has since joined our High Level Master Coach program and is continuing to scale her business. Join us as we treat this as a business coaching call and dive into the conversation! #businesscoaching #entrepreneur #businessgrowth #coach #fitnesscoach ————— (00:52) The Rollercoaster Ride of Entrepreneurial Success (03:21) How to Prepare Yourself for Entrepreneurial Life (05:50) Five Things That Keep You Organized Every Day (07:47) Multiple Turning Points In My Career (11:08) How To Get Married When You're Both Working Hard (17:30) The Importance of Having a Business Coach (18:41) Best Business Advice Ever Given (21:23) How to Plan for the Future of Your Business? (24:52) Lead Generation: From Organic to Ads (26:35) How To Grow Your Business In The 2nd Year? ————— ➡️ Join NLCA's Free WhatsApp Community: https://chat.whatsapp.com/GAkQMBrg1h742pGWMZtjfq ————— ⭐️ Follow Me on Instagram : https://www.instagram.com/the_fitceo/ ————— ⭐️ If you are feeling stuck and you're ready to take the next step, check out Next Level Coaching Academy : https://course.thenextlevelcoachingacademy.com/10k-accelerator-VSL
Bill Courtney joins me to discuss the importance of fatherhood, the need for conserving the core values, the significance of finding a common ground, and tips for entrepreneurs. Bill Courtney is an American football coach. He is the CEO of Classic American Hardwoods. // GUEST // Twitter: https://twitter.com/IamCoachBill Website: https://www.normalfolks.us/ Website: https://www.coachbillcourtney.com/ Documentary: https://www.youtube.com/watch?v=6y0W_x5RQEI// SPONSORS // In Wolf's Clothing: https://wolfnyc.com/iCoin Hardware Wallet (use discount code BITCOIN23): https://www.icointechnology.com/ CrowdHealth: https://www.joincrowdhealth.com/breedloveWasabi Wallet: https://wasabiwallet.io/ Bitcoin Apparel (use discount code BREEDLOVE): https://thebitcoinclothingcompany.com/ Feel Free Tonics (use discount code BREEDLOVE): https://botanictonics.com Carnivore Bar (use discount code BREEDLOVE): https://carnivorebar.com/ // OUTLINE // 00:00 - Coming up 00:50 - Intro 02:24 - Helping Lightning Startups with In Wolf's Clothing 03:10 - Introducing Bill Courtney 03:43 - The Movie 'Undefeated' 09:13 - Winning an Academy Award 11:05 - Growing Up Without a Father Figure 15:15 - The Path to Redemption 16:40 - The Book 'Against the Grain' 21:00 - Conserve the Core, Adapt at the Edges 22:31 - Secure Your Bitcoin Stash with the iCoin Hardware Wallet 23:27 - Story of 'An Army of Normal Folks' Podcast 32:09 - Taking Self-Responsibility 34:17 - The Freedom of Speech 36:13 - Finding Common Ground with Common Respect 39:02 - Take Control of Your Healthcare with CrowdHealth 40:04 - A Bitcoin Wallet with Privacy Built-In: Wasabi Wallet 40:56 - Understanding How Money Works 43:14 - Bill's Journey of Entrepreneurship 46:12 - Tips for Starting a Business 49:36 - Prepare Yourself for Difficult Situations 52:58 - The Downfall of Sears 55:09 - Where to Find Bill on the Internet// PODCAST // Podcast Website: https://whatismoneypodcast.com/ Apple Podcast: https://podcasts.apple.com/us/podcast/the-what-is-money-show/id1541404400Spotify: https://open.spotify.com/show/25LPvm8EewBGyfQQ1abIsE? RSS Feed: https://feeds.simplecast.com/MLdpYXYI// SUPPORT THIS CHANNEL // Bitcoin: 3D1gfxKZKMtfWaD1bkwiR6JsDzu6e9bZQ7 Sats via Strike: https://strike.me/breedlove22 Sats via Tippin.me: https://tippin.me/@Breedlove22 Dollars via Paypal: https://www.paypal.com/paypalme/RBreedlove// WRITTEN WORK // Medium: https://breedlove22.medium.com/ Substack: https://breedlove22.substack.com/// SOCIAL // Breedlove Twitter: https://twitter.com/Breedlove22 WiM? Twitter: https://twitter.com/WhatisMoneyShow LinkedIn: https://www.linkedin.com/in/breedlove22Instagram: https://www.instagram.com/breedlove_22 TikTok: https://www.tiktok.com/@breedlove22 All My Current Work: https://vida.page/breedlove22
Aloha friends and welcome to EPISODE 132 of the Conrad Podcast, which was recorded in Austin, Texas. In this interview, I spoke with return guest Layton about her Detransitioning Journey from Female to Male and back to Female, Narcissism, Fake Gurus + plenty of other hot topics during this wide-ranging conversation I thoroughly enjoyed.- Layton's Youtube Link -https://www.youtube.com/watch?v=w2NcCNop6Zk&t=34During this episode we dig into: Detransitioning, Disassociation, Medical "Experts", Cults, Ideologies, Nuance, Narcissists, Dietary Intakes, Know Thyself, Passion, Purpose, Consciousness, Gurus, Indulging, The Matrix, Social Media Manipulation, Fake Gurus, Christianity, Politics, Left vs Right, Middle Way, Paradigms + along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 131 of the Conrad Podcast, which was recorded in Austin, Texas. In this interview, I spoke with author DM Deyo about his book "Harriet The Hummingbird," Leaving Mormonism, Creating Art + plenty of other hot topics during this wide-ranging conversation I thoroughly enjoyed.- Links -DM Deyo Twitter - https://twitter.com/DM_DeyoHarriet the Hummingbird Amazon LinkHarriet the Hummingbird Gumroad LinkDuring this episode we dig into: 9/11, Football, TikTok, Freedom vs Safety, Harriet The Hummingbird, Woke Disney, Scientology, Tom Cruise, Mormon Church, Baptism, Morality, Worship, Artistic Creativity, Too Trusting vs No Trust, Consciousness, Trust, God, 144k, Sports Devotion, Leaving the Military, Fiction Defining Reality, Connected to God, MAGA, Road Trip, Purpose of Life, External Saviors, Intuition + along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Let's Be Friends with Kara Mosher and Nick HintonIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 130 of the Conrad Podcast, which was recorded in Austin, Texas. In this solo show, I review and go more in-depth with several clips from my podcast appearance on the Let's Be Friends Podcast with Kara Mosher and Nick Hinton. I Dive into the disease of the external savior programming that has plagued humanity since the inception of civilization. Enjoy!The Full Episode of the Let's Be Friends Podcast I pulled clips from can be found HERE:During this episode we dig into: Bob Ross, Creative Passion, Anthony Bourdain, External Heroes, Savior Complex, Jonah and the Whale, Success, Anxiety, Burning Bridges, Debating Christianity, Jesus Christ + along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Let's Be Friends with Kara Mosher and Nick HintonIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Divorcing A Narcissist? Prepare Yourself!!! With Christiana Davidson, Therapist
Aloha friends and welcome to EPISODE 129 of the Conrad Podcast, which was recorded in Austin, Texas. In this interview, I spoke with Brandi Bishop about Libertarian Cultural Ideas, Porn Discussion, DMT trips + plenty of other hot topics during this wide-ranging conversation I thoroughly enjoyed.- Links -Brandi's Twitter - @creatrix_ttvBrandi's Twitch - https://www.twitch.tv/creatrix_Cult of Art Twitter - @cultof.art- Conrad YOUTUBE Episode Clip -During this episode we dig into: Algorithms, Critical Thinking, Andrew Tate, Thought Leader Celebrities, Dirty Money, Tristan Tate, Monotheistic Heroes, Deep State, Social Conservatism, Libertarian Ideas, Nazi Germany, Q Shaman, Med Bed Beliefs, Socratic Method, Just Pearly Things, Poly Relationships, Fake Virtue, Porn Discussion, Almost Committed Murder, Christian Upbringing, Fake Free Market, Types of Anarchy, Government Contracts, Hawaii Fire, Artificial Intelligence, Elon Musk, Power of Ideas, George Floyd Riots, Local Community, Mutual Aid, Ron Paul, Weaponizing Outrage, Battle of Montgomery, Orchestrated Events, Getting Cancelled, DMT Trip, Vice Signaling, Cult of Art Show + along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Let's Be Friends with Kara Mosher and Nick HintonIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 128 of the Conrad Podcast, which was recorded in Austin, Texas. In this interview, I spoke with the Northern Wolves Podcast about Practical Survival Skills, Cataclysm Theory, Divinity Within + plenty of other hot topics during this wide-ranging conversation I thoroughly enjoyed.- Links -Northern Wolves Podcast Youtube ChannelNorthern Wolves Twitter - @_NothernWolvesAndrew's Twitter - @NorthernAndrew_Jame's Twitter - @James_Noble_IIIhttps://www.northernwolvespodcast.com/- Conrad YOUTUBE Video Episode Clip -During this episode we dig into: Creating Content, Esoteric Lunch Break, Climate Lockdowns, Canada Forest Fires, Harsh Realities, Terence McKenna, 5D, Love and Light, Transcending, Baptisms, Church Services, Revelation, 24 Elders, Heaven, Repurposed Paganism, Druids, Changed History, West to East, Monotheism, Divinity Within, Humans Seeded, Consciousness Journey, Mineral Realm, Master/Slave Cycles, Duality, Andrew's Tweet, Taking Action, Resistance Needed, Nature, XRP, Cataclysm Theory, Survival Skills, Wall-E Citizens, Alchemy of Life, Joseph Campbell, Alan Watts, New Age Deception, Underworld Journey, Hero's Journey, Illumination of Self, Cryptocurrency Symbolism, Savior Cults, Twitter Spaces, WEF, Solar Etymology, Inner/Outer Reflections, Poisons that Teach, Motorcycle Clubs, What is Reality, Masonic Sports, Killing Time, Entertainment Distractions, Encoding over Decoding, Mushrooms, Group Think, Digital Collective Brain + along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 127 of the Conrad Podcast, where I interviewed Matty Boz about Rome and the Vatican, The Great Remembering, Earth's Return to Balance + plenty of other hot topics during this wide-ranging conversation I thoroughly enjoyed.- Matt's Links -First Podcast Appearance Episode 92 with Matty BozTwitter: @naberiuswizardYoutube: Mark & Mattie ShowDuring this episode we dig into: Rome, Vatican, Jesuits, Three Popes, Pyramids, CIA, PSYOPS, Barbie Movie, Magic, Spells, Angels, Demons, Baal, The Bible, Tower of Babel, Babylon, WW2, Nazis, Germany, Inversion, American History, Great Remembering, Great Awakening, Isaac Kappy, Hollywood, George Carlin, Bill Hicks, Council of Nicaea, Dead Sea Scrolls, Consciousness, NASA, Disney, Free Speech, Firmament, Pineal Gland, Prayer, Meditation, Native Americans + along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 126 of the Conrad Podcast, where I interviewed Joshua Barbin about XRP Price Predictions, Moon Dates, Restoration of Humanity, BLM + plenty of other hot topics during this wide-ranging conversation I thoroughly enjoyed.Joshua's Twitter Link: @joshuabarbin1During this episode we dig into: Cryptocurrency, XRP, Price Predictions, August 12th, Riddlers, Artificial Intelligence, Game Theory, XRP Twitter Personalities, Cults, Jesus Christ, Personal Faith, Callings, Purpose, Consciousness, Kanye West, Christianity, BLM, Purpose, Native Americans, USA History, Restoration, Twitter Spaces + along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 125 of the Conrad Podcast, where I interviewed Layton about being in Christian Cult, Near Death Experience, Forced Conversion Therapy + plenty of other hot topics during this wide-ranging conversation I thoroughly enjoyed.Laytons Social Media Links:@origina1ange1 (Twitter)@origina1ange1 (TikTok)During this episode we dig into: Being in a Cult, Leaving a Cult, Sozo, Reprogramming, MK Ultra, Jesus Christ, Bypassing, Teen Challenge, Conversion Therapy, LGBT, Alcoholism, Drug Addiction, Near Death Experience, Original Sin Theology, Handlers, Rudolph Steiner, Anthroposophy, Star Seed Theory, New Age, Love and Light, NPC's, Divinity, Somatics, Consciousness, Christianity, Mysticism, Purpose, Karma, Reincarnation, Nervous System Regulation + along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 124 of the Conrad Podcast, where I interviewed Sebastian Hidalgo about the Currency of Attention, Branding, Authenticity vs Inauthenticity + plenty of other hot topics during this wide-ranging conversation I thoroughly enjoyed.Sebastian Hidalgo Links:https://thebrandchitect.com/ (Website)@TheSebasHidalgo (Twitter)During this episode we dig into: Conspiracy of Distraction, Branding, Identity, Inauthenticity, Authentic Alter Ego, Consistency, Focus Points, Joe Rogan, Liver King, Andrew Tate, Currency of Attention, Mythology, Apple, Pride Month, Bud Light, Target, Garth Brooks, Culture Wars, Saudi Trillionaires, Consciousness War, Professional Wrestlers, Religion Today, Non-Belief Programs, Loops of Idealogical Control, Social Media Witch Hunts, Parallel Realities, Outrage Culture, Value of Twitter, Fake Moral High Grounds, Elon Musk, Brain Chips, Money Twitter, AI, Writer's Strike, Interstellar along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 123 of the Conrad Podcast, where I interviewed Human Vibration about The Unique & Special Energy of Humans, The Truman Show, Mind over Matter + plenty of other topics during this wide-ranging conversation I thoroughly enjoyed.Human Vibrations Links:TwitterInstagramReal Eyes RadioPatreonDuring this episode we dig into: Nature of Time, Real Eyes Radio, Is HV AI?, Organic Machines, Programming, 3D printing, West World, Loops & Cycles, Matrix Occupations, Coffee, Awareness, The Truman Show, Missions Trip, Manufactured Reality, Money, Shared Illusions, Telepathy, RFK Jr, Jabs, Viruses, News Headlines, Never Before Seen, CGI World Stage, Technology Timelines, Auto Generated Bible, Heaven/Hell, Humans Programmed For Religion, Food Intake along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 122 of the Conrad Podcast, where I interviewed Nicoles Morales aka @healwithnicole (Twitter) aka @heal.with.nicole (Instagram) about Parasite Cleanses, Social Media Relationship Cheating, The Journey of life and What is Real + plenty of other topics during this wide-ranging conversation I thoroughly enjoyed.Link For Indulging in The Matrix video compilationNicole's Link For Reiki and Tarot:https://stan.store/HealingwithnicoleDuring this episode we dig into: Parasite Cleanses, Social Media Cheating, Emotional Cheating, Loyalty, California Absurdities, Time Not Being Real, Tarot Card Reading, Pushing Forward, Loops and Cycles, Narrative Addictions, Breaking Addictions, Nostalgia, Alice in Wonderland, Indulging in The Matrix topics, Reiki, Journey and The Destination along with so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 121 of the Conrad Podcast, where I interviewed Drewski aka @seekinganon (Twitter) about Trusting The Plan, Psychedelics and Fractals of Reality plus plenty of other topics during this wide-ranging conversation I thoroughly enjoyed.During this episode we dig into: School, Seeking Truth, Religions, Programming, Narratives, Ego and Attachments, Flat Earth, Perception and Belief, Q, Looking in the Mirror, God, Psychedelics, Consciousness, Fractals of Reality, Heart Chakra, Types of Trips, Terence McKenna, GMO Dispensaries, Mushrooms, Acid, Psychosis, Vibration, Dimensions, Asset of Time, Energetic Beings, News Vampires, Tribalism and so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Today at 5:00 PM | Patriots vs Globalists | A Real Discussion of Battlefield Conditions in America with FBI Whistleblower Steve Friend Buy Steve's Book: https://www.amazon.com/True-Blue-Journey-Suspended-Whistleblower/dp/B0BTC3M3B2/ref=sr_1_1?crid=BVBJOG7GL5M3&keywords=true+blue+stephen+friend&qid=1682193583&sprefix=%2Caps%2C105&sr=8-1 Prepare Yourself for What is to Come: https://warriormbs.com We are going to have an out loud discussion about the time for war against our own corrupt government. Stephen Friend had his dream job as an FBI special agent. After nearly a decade of combating violent crime, human trafficking, and child predators, he was reassigned to the FBI's unprecedented investigation of the political unrest at the United States Capitol on January 6, 2021. Friend soon uncovered efforts by the FBI and Department of Justice to manipulate statistics and exaggerate the nationwide threat of domestic terrorism. Friend spotlighted how the politicized FBI was cooking the books to support an ongoing narrative from the Joe Biden administration to label Donald Trump voters as violent extremists. Friend witnessed overzealous practices to harass conservative Americans and realized the FBI was turning its investigative processes into a punishment. When the married father of two made his bombshell allegations in a whistleblower disclosure, leaders within the FBI exposed themselves as partisan, ambitious players who insisted that January 6th protestors killed police officers and attempted to seize American democracy. Hell-bent on suppressing Friend from exposing the truth, FBI officials seized his gun and badge and suspended him from working as a special agent. In this memoir, Friend reflects on the lessons and life experiences that led him to ultimately risk his career to uphold his FBI special agent oath to protect and defend the United States Constitution against all enemies—both foreign and domestic.
Aloha friends and welcome to EPISODE 120 of the Conrad Podcast, where I interviewed Walter Wartenweiler aka @Waltika (Twitter) about Atheism, his Spiritual Journey, Dune plus plenty of other topics during this wide-ranging conversation I thoroughly enjoyed.Walter's Podcast Link HEREDuring this episode we dig into: Atheism, Theism, Demiurge, Joseph Campbell, Neitzche, Politics, Pandemic Review, Taking/Not Taking the Shot, Medical System, Meditation, Kundalini Awakening, Deconstructing the State, Holographic Universe, Black Holes, Fear Paradigms, Dune, Shadow Self, New Earth, Culture Wars, Double Slit Experiment, There is no Spoon, The Logos, Paradoxes, The Joker, Tree of Life, Tree of Knowledge and so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 119 of the Conrad Podcast, where I interviewed @philthese (Twitter) about Lord of The Rings, Gematria and Gnosticism in a wide-ranging conversation I thoroughly enjoyed.His IG @philthese_During this episode we dig into: Lord of the Rings, Tolkien, Archetypes, Mythologies, Picking a Path, Escapism, Networking, Rave Scene, California Lockdown, Illusions, Getting Canceled, Gematria, Kabbalah, Consciousness, Intuition, Roman Systems, Gnosticism, 33, Demiurge, YHWH, Loops of Reality, Great Remembering, The Great Escape, Divine Spark, Westworld, Annunaki, Marvel Religion, Flavians, Zodiac, Chakras and so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 118 of the Conrad Podcast, where I interviewed Aranea Mystica aka @Saerix (Twitter) where we had a philosophical conversation about Art, Technology and the Personal Alchemical Journey.Follow her Twitter - @SaerixHer photography - @photronika (IG)During this episode we dig into: Tim's Vermeer, Hidden Technology in Art, Aritificial Intelligence, Job Replacement, Subjectivity vs Objectivity, Public vs Private Tech, Perception Programs, Twitter Spaces, The Looking Glass, Just Being, Currency of Doubt, Masks, Theatre Acting, The Office, Maxims, Greek Theatre, Propaganda, Labels, Box of Identity, Wall-E, Artificial Scarcity, Bitcoin, XRP, Spiritual Sovereignty, The Bhagavad Gita, Buddhism, Esoteric Journey, Silicon Valley, Light and Shadow, Neutral Path, Chain of Command, The Great Work, Personal Alchemy, Empire's Rising and Falling, Reserve Currency and so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 117 of the Conrad Podcast, where I interviewed Michele Bolona (Instagram) (TikTok) about her journey of first understanding and then teaching others about Nervous System Regulation.Here is the link to Michele's website: Michele Bolona WebsiteDuring this episode we dig into: Vanilla Sky, Tom Cruise, Projection Relationships, Lucid Dream, Nature of Reality, Political Parties, Making Love to Life, Gurus, False Idols, Joel Olsteen, Sadhguru, Tennessee, Polyamorous, Social Media Spirituality, Netflix Survival Show, Entertainment Conditioning, Physical Fitness, Nervous System Regulation, Tension, Fascia, Gut Health, Dopamine Diets, Leaving Vegan, Grocery Stores, Food Pyramids, Winning Lockdown, Refusing the Shot, Vagus Nerve, Anxiety, Panic Attacks, Power of Breath, Chakras, Traumas, Yin Yoga, ETF Tapping and so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
Aloha friends and welcome to EPISODE 116 of Conrad where I make my podcast return after a year-long sabbatical from recording. During this episode we dig into: Podcast Return, AI Fast food, Teaching, Internships, Two Brothers, Bible College, The World Stage, Refusing The Shot, ChatGPT, Identification, The State of Truth Seeking Content, Attention Currency, Reaction Culture, Personas, Austin TX, Standup Comedy, Movie Storytelling Techniques, The Purge, Groundhog Day, Stuck in loops, Western Theology vs Eastern Philosophy, The Atman, Consciousness Breakthroughs, Embracing the Moment, Road Tripping and so much MORE.Personal Links @conradg315 (Twitter)I AM Conrad (Youtube)@conradg315 (Instagram)@powerofnow888 (Instagram)Interactive EpisodeLucid Sacred DreamsEMAIL: ConradPodcast@gmail.comAlso, here are links to some recent interviews where I was the guest on other podcasts:Pineal Podcast InterviewYoutube Interview with Homewrecker PodcastYoutube Interview with Sebastian HidalgoThe Spiritual Nomad Youtube interviewIntro/Outro music is a lifetime licensed product for the Conrad Podcast from soundstripe.com and is called “Prepare Yourself” by Moments.
434- Lynette Zang – Prepare Yourself. Mid 2023 is going to be Crunch Time! Right click to Download
Empath And The Narcissist: Healing Guide from Abuse and PTSD
“The points that you're tapping on are the endpoints of the meridians. And the meridians are how energy moves through the body." - Lauren Fonvielle[11:52]Tapping into your inner strength and healing the trauma of narcissistic abuse can be a daunting challenge. With Emotional Freedom Techniques (EFT) you can begin to break free from the pain of narcissistic abuse.Better Help : Empath get 10% off your first monthFuture Fitness: Get their first month of personal training for $19 Our guest today, Lauren Fonvielle is an Integrative Energy Practitioner, specializing in EFT/ Tapping for stress, anxiety, chronic pain and trauma. Her passion is to guide her clients on a journey of self healing to break through obstacles - physical, mental, or emotional - that are keeping them stuck and holding them back in life or business. She believes we all have the answers within, and sometimes we just need a little help accessing them.Follow & DM me "free gift" on Instagram: @ravenscottshow FOR FREE How to Set Powerful Boundaries workshop / YouTubeFollow Lauren on Instagram: @Iaurenic0le/ YouTubeHere are some key moments:Understand the Power of Your Feelings and Thoughts. [24:17] “sometimes just saying that thing out loud can be really powerful in beginning to create a shift."Practice Mindfulness and Self-Care Techniques. [25:47] “don't tell me that I can be grateful for this because this really sucks right now."Prepare Yourself for the Healing Process with EFT. [33:26] “you don't really recognize how these things from our past are affecting us presently. " Empath & The Narcissist Book : and on AudibleClaim your 60% off Empath Healing Community membership for just $8.25 a month for the whole year of 2023! Join the now! https://patreon.com/empathhealingView my blog on this topic.Book free call to have Madhvi show you how to shift stagnant energy in your subconscious to abundance - Emotion Code FREE Inquiry CallMusic YouTube Library: Believe by Neffex
What helps you remember Jesus during the Christmas season? As we wrap up Season 6 of Christmas Stories, we'll hear Kati read Luke 2: 22 – 40, and our hosts share why this passage reminds us of the kind of life Jesus would live on earth.Receive the book "25 Days of the Christmas Story" for your donation of any amount: https://donate.focusonthefamily.com/don-daily-broadcast-product-2022-11-24-2?refcd=1299907Prepare Yourself for Advent 2022: https://www.focusonthefamily.com/advent-2022/If you've listened to any of our podcasts, please give us your feedback: https://focusonthefamily.com/podcastsurvey/
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