Podcasts about Risk management

As we approach Protector's week, the CiCP team grabs some air time with the editor-in-chief of the IPSB's "Close Protection and Security Journal," Doctor Treston Wheat, and the Close Protection Conference 23 lead, Bryan Flannery. More than a readout, both speak to the power of volunteering, making the industry greater and how the industry has evolved.  Give us your thoughts at protecitontalk@outlook.com Keelson Strategic sponsors this episode.

To get the latest from Nik Talreja, you can follow him below!LinkedIn - https://www.linkedin.com/in/niktalreja/Sydecar.io - https://www.sydecar.io/ Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.com And don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood

What's in this episode:- Getting started in commercial insurance- Attracting your ideal customer- Relationships with underwriters- Knowing your worth- Listening to understandAbout David:David Carothers, CIC, CRM, has spent nearly two decades in the Insurance and Risk Management space. He started his career with a multi-million dollar commercial risk management firm. In 2016, David launched Florida Risk Partners, an insurance and risk management firm focusing on middle-market commercial accounts. In 2020, he launched Killing Commercial Insurance Training, The Power Producers Podcast, Catalyst Funding Solutions, and The Protégé. David is also the international best-selling author of The Extra 2 Minutes: How spending an extra 2 minutes on nearly anything in your sales career will take you from good to best in class! Contact David:LinkedIn: David Carothers Website: killingcommercial.comYouTube: Killing Commercial InsuranceCatch the full video of this conversation: https://youtu.be/MkXiP8smVBgZero to 6 Figure Producer Course: Click Here1:1 Coaching: More InfoMastermind:  More InfoJoin Weaver Sales Academy: Click Here6 Figure Life Producer Course: Click HereBook a call with Michael: Schedule NowText BUZZ to (816) 727-7610 to connect directly with us and share your favorites from the episode or learn more about upcoming events and challenges happening in our industryJoin Weaver Sales Academy: https://www.weaversa.com/Follow Michael & Courtney on social media:Facebook: https://www.facebook.com/mandcweaverInstagram: https://www.instagram.com/mandcweaver/Youtube:  https://www.youtube.com/@mandcweaverMichael LinkedIn: https://www.linkedin.com/in/michael-weaver-a2940095

In this episode, Aaron sat down with Carl Bloomfield and Jeff Spatz of Graham Co. to discuss the high-risk world of heavy civil construction. They navigate the treacherous waters of risk management, unearthing the importance of life experience and learning from mistakes. They unpack the multitude of risks present in construction—from physical dangers to reputational risks—and the necessity for companies to have comprehensive risk management plans. If you have any questions or feedback, email the Dirt Talk crew at dirttalk@buildwitt.com. Stay Dirty!

In this episode of URMIA Matters, Craig McAllister, URMIA's president and Assistant Vice President, Risk Management at University of Miami, talks to Mellany Patrong, Director- Enterprise Risk Management at Texas Southern University, and Nakeschi Watkins, Director, Risk Management and Insurance at Cornell University, who have recently been elected as URMIA board members. They share their stories of how they joined URMIA, what motivated them to run for the board, and what they hope to achieve in their new roles. Mellany and Nakeschi also discuss the benefits of being part of URMIA, such as networking, learning opportunities, and building a support system. They also offer some advice for other members who are interested in getting more involved in URMIA and its activities. Tune in to hear their insights and perspectives on URMIA and how it can help you succeed.Show Notes [member log-in required for some resources]Connect with URMIA & URMIA with your network-Share /Tag in Social Media @urmianetwork-Not a member? Join ->www.urmia.org/join-Email | contactus@urmia.org Give URMIA Matters a boost:-Give the podcast a 5 star rating-Share the podcast - click that button!-Follow on your podcast platform - don't miss an episode!Thanks for listening to URMIA Matters!

Tony chats with returning guest Elle Michell (Ep. 201). Intelligent Intentions is a boutique consulting firm offering consulting as it relates to third party vendors and suppliers that companies use. They help vendors and suppliers understand what they need to be able to partner with large corporations and government entities.Elle Michell: https://www.linkedin.com/in/ellemichell/Intelligent Intentions: https://intelligentintentions.com/Video Version: https://youtu.be/gTRg9jKaaik

On this episode of the Lending Link, host Rich Alterman engages in an insightful conversation with Jonathan Gurwitz, Credit Lead at Plaid, offering insights into open banking and its growing role within credit risk management.   Discover how Plaid's visionary strategies are reshaping lending paradigms and leveraging data to unlock new levels of financial accessibility. Gain valuable insights into industry trends, the transformative impact of open banking on lending practices, and the pivotal role of data-driven decisions in shaping the future of financial services. 

RACmonitor investigative reporter Edward M. Roche, an intrepid regular monitor of America's healthcare system, will return to Monitor Mondays for its next upcoming edition to report on how and why America's healthcare system has tied itself into a Gordian Knot of complexity: interwoven strands of conflicting rules and regulations, different payments for the same services, and a cumbersome patchwork quilt of facilities, big, small, and smaller. Roche, who recently introduced to Monitor Mondays listeners the concept of “smart hospitals,” will also take a stab at answering a key question: just how smart are they?Other broadcast segments will include these instantly recognizable features:• Monday Rounds: Dr. Ronald Hirsch, vice president of R1 RCM, will make his Monday Rounds.• The RAC Report: Healthcare attorney Knicole Emanuel will report the latest news about auditors.• Risky Business: Healthcare attorney David Glaser, shareholder in the law offices of Fredrikson & Byron, will join the broadcast with his trademark segment.• Legislative Update: Matthew Albright, chief leglistative affairs analyst for Zelis, will report on the latest legislative actions impacting the healthcare regulatory setting.

In this episode, ADJUSTED welcomes Van Langham Direct of Risk Management with Berkley Industrial Comp. Van discusses the 2023 Home Safe for the Holidays Initiative and some of the specific dangers of of Wheels, Gravity, and Complacency. Season 5 is brought to you by Berkley Industrial Comp. This episode is hosted by Greg Hamlin and guest co-host  Mike Gilmartin, Area Vice President, Sales & Distribution, for Key Risk.Comments and Feedback? Let us know at: https://www.surveymonkey.com/r/F5GCHWHVisit the Berkley Industrial Comp blog for more!Got questions? Send them to marketing@berkindcomp.comFor music inquiries, contact Cameron Runyan at camrunyan9@gmail.com

Timestamps(00:00:02) Introduction (00:01:01) Healthcare Risk Management Experience (00:02:18) Fair Housing Act Explanation (00:08:15) Prohibition of Disability Discrimination (00:15:57) Understanding Essential Requirements (00:23:15) Rules Around Common Accommodations (00:29:42) Risks & Fair Housing Marketing (00:34:55) Legalities for Assisted Living Services (00:40:17) FSA & Housing Education (00:43:22) Rules Disregard in Senior Living (00:47:41) Risk Tolerance Discussion (00:49:06) Risk Management in Senior Living  So as you mentioned, I did medical malpractice defense for a number of years in New York,and then I moved to Pennsylvania because I was getting married and my husband was fromout of state.And when I moved, I decided to switch hats, and I decided to do healthcare risk management.So I was tasked with starting up a risk management program for FSA.At the time, we started with 12 organizations, nonprofit, faith-based communities, generallyin the Philadelphia area.Since then, we've expanded quite a bit, and we now have 37 sites in six states.And so I give guidance and consultation on risk management issues.So today, we are going to talk about marketing risks, but I'm going to talk about it frommy perspective, you know, from a risk management perspective and a fair housing perspective.Okay.So thanks for that background.So let's get right into it.What is the worst-case scenario if someone says, you know, I'm going to market howeverI want to market?I'm going to say what I want to say, do what I want to do.What have you seen as like a worst-case scenario of someone has done this and this horribleoutcome has happened?Great question.Nothing like the fear factor right from the beginning.So what I'm going to preface that question with is an explanation of why there are risksin this venue, in this area.And so in 1968, Congress enacted the Fair Housing Act, which was what I like to callthe third leg of the stool for civil rights litigation, legislation rather.And so we had the Civil Rights Act, then the Voting Rights Act. And then in 1968, they passed the Fair Housing Act.And that precluded discrimination in housing choices and lending based upon what we callthe protected class status.So started out with race, religion, national origin, color, gender, which now includesgender identity and sexual orientation, and national origin.In 1988, Congress amended the act to include two additional protected class categories.Familial status, meaning that you are not supposed to be able to discriminate againstfamilies with children.And of course, there is a carve-out for our senior living settings.And the one for purposes of our discussion today, which will be very pivotal, is it sayshandicapped, but it's what we would refer to as disability.So you have now protections under the Fair Housing Act, and we just call it FHA for boththe Amendments Act and the original act for all those protected classes, which actessentially as a floor, not a ceiling.So state and local jurisdictions can also add an additional protected class categories,like, for example, maybe marital status, saying that, you know, you can't discriminateagainst somebody because they're unmarried or, you know, because they cohabitatetogether, for example, or source of income is another one that's fairly common.So I think for a lot of senior living communities, they don't necessarily recognizethat they are covered by this act as a housing provider, because I think for a lot ofcommunities, they say justifiably, well, we're not a housing provider because we do somuch more than that. And you do.However, in the eyes of the government, you are a housing provider and you are subject tothe Fair Housing Act.And so there are lots of risks that come along with that.Now, if you choose as an organization just to decide that you're going to market any wayyou want to and you're not going to pay attention to various marketing risks, includingfair housing risks, what's the worst case scenario?The worst case scenario is that you end up being in litigation, sued by potentially afederal government. So it's now the United States of America versus, you know, seniorliving community, A.B.State. You are in litigation with the government.You are being sued for housing discrimination.Almost always that ends very badly for the community.Almost always winds up in a monetary settlement.Many times there is also a settlement compensation fund where the community has toadvertise in multiple places for people that have been subject to what they've just beenfound by the government to be illegally doing.Let's just say discriminating against those with scooters, for example.And so they would have to advertise for anyone that's been impacted by that to give themmoney. In addition, there's almost always what we call a consent decree that comes withthat. It's sort of, if you're familiar with the world of compliance, it's similar toa CIA or a corporate integrity agreement whereby the government puts you into thisconsent decree.And the consent decree not only sets out the exact amount of money that you're going tohave to pay and how you would advertise to those who have been subject to yourdiscriminatory practices to give them money.But there's also usually quite onerous burdens that are placed on the community,including things like they get to and the government will review your actions for aperiod of time. Usually it's about five years.And so they will oversee and have to approve the policies, put policies in place forwhatever the particular topic is, change contracts, sometimes hire a fair housingofficer to perform acts to training and education for the staff on an ongoing basis.And again, being overseen by the government for a period of time.In addition, I would also say that you don't want to be the poster child for that.So again, I happen to mention scooters.And one of the pivotal cases in the world of, you know, communities that have been suedfor improper restrictions on scooters is a community called Twining Village.And I don't like to use them, you know, but that that case is out there and everybodyknows about it. So you don't want to end up having the reputational damage in our worldof, you know, senior living where it's like, oh, that's the Twining Village case.And so, you know, everybody knows based on that case, you know, some of the policiesthat you have to have in place and the no-nos, the things that you shouldn't be doing.You don't want to become the poster child for that, which can very easily happen.Well, so a couple of questions.Thank you for that. I mean, that's quite an overview.So it were someone to actually go ahead and let me just back up.So you're saying that there's the fair housing law, which puts nursing homes together inthat category. So therefore, they have these discrimination laws like you've outlined.So is this, first of all, is this specific to marketing?Are we talking about someone denies a patient because we don't take we don't want patientswith scooters because patients with scooters are dumb or whatever.Yeah. So I'm speaking broadly about senior living communities.Right. So it's anywhere that a person lives.Okay. So if you are running a short term rehab only, then potentially you are excluded fromthe Fair Housing Act because that's not someone's home.The intention is to treat them for a brief period of time with the intention to dischargethem. However, it does apply clearly.All the case law is very clear on this.It does apply to settings like CCRC, independent living, assisted living, personal care,long term care. So all of those things, you know, adult foster care, it does apply to allthose settings. It is questionable whether it would apply in the context of a short termrehab strictly.Okay. So let's back up.If I don't have if I have a regular store and I sell chocolate and desserts and flowers andwhat else? I can discriminate all I want?No. There are other laws.There are other laws that prohibit you from from doing that, that we're not necessarilyspeaking about today. But again, when it comes to housing, we are under the auspices ofmultifamily housing specifically, which means four or more people in a unit or, you know,four or more units, I should say, not four more people.Then you are subject to the Fair Housing Act.So. Okay.So the Civil Rights Act says that you can't discriminate.Right. Suggested.I understand that. So my point is that you have extra laws when it comes to if you'remanaging or you own a home that has multiple families, say for like you said, four unitsor more. So then you have you have extra focus.So now let's assume someone has an assisted living facility, a long term care facility,really can be an apartment building, too.But we're saying even senior living facilities and they're going to and then theydiscriminate against someone.So does that mean that they refuse admission to someone?Okay. So that's a great question.So discrimination can take multiple forms.It can be just as you said, refusal of admission or refusal to someone, an applicant tobe denied admission.That can be a form of discrimination.It can also be a form of discrimination, which is very common.Probably the most common form of discrimination is the refusal to grant what we call areasonable accommodation for disability.And that's where the scooters would come in, for example.So if I was disabled and I had a mobility impairment and I required a scooter to enableme to get around and to meet what we call the essential requirements of tenancy.And you, as the provider, refuse to allow me to have that scooter or, for example, thatservice animal, like you have a no pet policy and I wanted to come in with a serviceanimal. Well, that's not a pet, that's a service animal.That's for my disability. That's a reasonable accommodation.So you can refuse and then you could again potentially be sued for that.But in addition to also refusing to admit somebody, which is a form of discrimination,there are a multitude of other forms of discrimination under the act.And it can be I come in and I'm able bodied when I come in.And after I'm a resident at your community for some period of time, I now becomedisabled. And again, I've asked for reasonable accommodation, whatever that may be.And you now refuse to give me that reasonable accommodation or you are discriminatingagainst me and saying, because let's say I had a let's say I had a fall.I lived in independent living and I had a fall.And you say, well, now you're not independent anymore.And so you need to move to assisted living because you had a fall.You can't from a legal standpoint, from a fair housing standpoint, they'd have to be waymore to it than just forcing me to move up through the continuum for something like whatI just described. And then additionally, I would also say that, you know, there areagain, just treating that it's essentially under the Fair Housing Act, we don't want totreat anyone worse, which is the more common thing to do.We also can't treat anyone better because of their protected class status.So if so, again, we serve primarily faith based communities.So if I had a community that was, for example, a Quaker community and they said, becausewe are a Quaker community, we want to give preferential treatment in admission to Quakers.You don't have to meet the same kinds of financial requirements as we require from everybodyelse. You can't do that either.Right. So, again, it's admission, but it's also discriminating against somebody oncethey're there.OK, so there's also what's the line?And I guess this is where the gray area comes in between providing reasonableaccommodations in this type of living setting versus we have a noscooter policy, let's say, because of a certain maybe safety concern that we have due toour building. Or maybe we don't allow service animals, even though it's not a pet, becausewe have residents with advanced dementia and they view service animals as monsters.They're going to eat them up or any other sort of reason, assuming that it's trueor even if it's not true.I mean, you get a good attorney to make something up, but the reasonable accommodationsversus actual practical reasons why that it's not discrimination, but there's anactual ramification of being, you know, let's see your example.Someone was in an independent living and suffered from a fall and now can no longerambulate safely in that setting.And they want to say, OK, now you have to move on.You know, CCRCs, you have to move on to the assisted living.Like, I don't want to go to the assisted living.Well, over here, you can't take a shower.You can't, you know, prepare your food.You physically can't do any more.We're not discriminating because we don't like people who fall, people who are old orpeople who are weak.We're just saying that we feel that this is not appropriate.So is that where, and obviously the other side is that, no, I'm fine.It's just because I fell.Don't tell me I need to move on.Let me get some therapy.Let me go to the doctor.Let me let this thing heal and I want to stay where I am.So is that where, is that why people like you have jobs?Right.So, yeah, perhaps that's why people like me have jobs.But what I would say to you is, you know, there are parameters around certain things.So let's talk a little bit about that.So, again, when we talk about disability, we, there is a requirement under the law thatsays that in order to live someplace, whether that's just in the community at large, youknow, an apartment building or in a senior living setting, the tenant or the residenthas to meet what we call the essential requirements of tenancy, no matter what.Disability, no disability, you still have to meet the essential requirements of tenancy.So what are those?First and foremost is paying your rent and fees on time.Number two is keeping your unit in a safe, clean and sanitary condition.Now, you know, I think that reasonable people may differ as to what's safe, clean andsanitary. Right.Also obeying the reasonable community rules.Okay. Unless, of course, there has to be an exception made because of the reasonableaccommodation because of somebody's disability.But again, generally speaking, you should have a set of reasonable community rules becausepeople have to obey those rules.You also cannot have excessive damage to the unit.Okay. Normal wear and tear is okay.If I scrape the walls because of my scooter, that's okay.But if I decide to, you know, take a hammer and make holes in the walls, that's not normalwear and tear. Also not unduly disturbing the peace and tranquility of others.Okay. And the last one, which is very important, is not being a direct threat to thehealth and safety of others.Now, in my opinion, and this is not in the law, this is not in the essential requirementsof tenancy. When you are in a senior living community, I feel that it is reasonable tosay you cannot be a direct threat, a direct threat.That's very important language.Not speculative, a real direct threat to your own health and safety.Okay. So, but that's not been tested in the courts yet.That's Christina's theory.But I think it's a good one.And so.Hold on, let me talk about that for a second.If someone's, and they're a threat to themselves, and certainly if they're a threat tothemselves, even if they're not, if they're trying to physically harm themselves, they'retrying to slit their wrists, they're trying to jump out a window, they're trying to, Idon't know, whatever, anything else that's unsafe.And the facility has done everything that they can to prevent, stop, intervene, assist.So there's a question, there are those who say that, no, you cannot, let's say, Section12, you cannot send them out to the hospital because that would be discrimination.Is that even a possibility?Well, no, under the scenario that you just described, you're not evicting them.You're not getting them out permanently.You're just sending them out.So I would say, no, that's reasonable.But there have been situations, I like the examples that you use because they are extremeexamples. And I would argue, if I was a provider, that there is no reasonable accommodationthat will diminish that threat.But that's always going to be a question because tying in with meeting the essentialrequirements of tenancy, which everyone has to do no matter what, that's where thereasonable accommodations come in.So if I have a disability and I ask for a reasonable accommodation or you become awarethat I need a reasonable accommodation, then it should be granted because the reasonableaccommodation is generally what's going to help me meet those essential requirements oftenancy. Now, going back just to the example that you used.Someone who's suicidal or homicidal, even.The, you know, I could say I can't handle, I don't have, I'm not equipped to handlepsychiatric issues and I certainly can't, you know, protect my other residents from thishomicidal individual or I can't protect them from themselves because there's so manyways that they could attempt suicide.And so they are not meeting the essential requirements of tenancy because they are adirect threat. There have been occasions and there have been some cases.Where in circumstances like that, the courts have said, well, and it's not specific tosenior living, it's just general housing.Well, you should try a reasonable accommodation first.So, for example, if you send that person out, you know, to be involuntarily, you know,incapacitated in a psych facility for a period of time.And let's say that they have been given medication that would, you know, presumablycontrol their behaviors.Then the resident or the tenant in this case would be able to say, well, my reasonableaccommodation and I should be allowed to stay because I can remain on this medicationregimen and then my behaviors are controlled.But I know of a case from a number of years ago, multifamily housing out in Connecticut,and an individual had psychiatric issues and actually went after the landlord with a bigbutcher knife and threw him down to the ground and started to stab him.That gentleman was arrested and then the landlord sent notice, you know, you're herebyevicted. You know, after he got out of jail, after he spent some time in jail and cameback, he realized that he couldn't come back to the apartment because he had beenevicted and he sued and he said, you're discriminating against me.And the court in that case actually said, well, you have to try.Let him have his reasonable accommodation.And, you know, but I think that's not, in my view, that wouldn't be a reasonableaccommodation. It's not reasonable to allow someone who has, you know, extremebehaviors like that, you know, again, that's a direct threat that we can't keep otherpeople safe or that even that resident, we can't keep them safe.So that's the extreme example.But, you know, most cases are not as extreme and most cases you're going to have to trythe reasonable accommodation and sometimes multiple reasonable accommodations beforeyou would say you're violating the terms of the resident contract or the lease or theagreement, whatever it is that we have.And now you're going to have to leave or move up to a higher level of care.You're going to have to try a few different reasonable accommodations to be safe beforeyou can generally do that or you'll risk potentially a fair housing claim.Well, that's very messed up, just to realize that for everybody, because to see thatsomeone who physically attempted to murder their landlord was jailed for it and nowevicted, reasonable accommodation, that sounds crazy.But I agree with you on that.I wholeheartedly agree.I think that's fair.But I just felt like I, you know, I had to, you know, kind of raise that to say it's notnecessarily a slam dunk.But generally speaking, yeah, when somebody is a direct threat and it's not speculative,it's not fear that something might happen, it's something did happen.Right. So I want to be clear about something.When it comes to reasonable accommodations, as a provider, you can and should haverules. You don't have to make it willy-nilly, but you are allowed to have reasonable rulessurrounding common accommodations, reasonable accommodations.So, for example, let's use the scooters again.It would be probably very high risk if you just said we don't allow scooters.But it's OK if you said we allow scooters, but we have these rules.A rule, I always encourage my communities to have reasonable rules.A rule might be that you have to sit with therapy and review the rules of the communityto use a scooter first.You know, get educated on it and then sign off that you're agreeing, you understand allyour questions have been answered and you agree to abide by the rules.And those rules might be things like you can only drive your scooter as fast as anon-disabled person can walk.You don't have the right to drive your scooter around like Speed Racer.Right. It may say you have to have a horn and lights if you're going to drive outside.You have to obey the rules of the road on campus.You have to have a flag.You can't park and block fire exits.You can't block mailboxes.If you're going to drive into the dining room, you have to have room.And I want to touch on something that you mentioned a few moments ago, saying mycommunity is older and it's not equipped for these big SUV scooters that people havenow. Under the ADA, which also sometimes can tie in with the Fair Housing Act, thereare also construction requirements.So the ADA went into effect in March of 1991.So did those construction requirements.So if you have construction that occurred after March of 1991 or if your building isolder than that, but you've done any kind of a renovation on your building and the termrenovation is pretty flimsy and loose.It could be even like redecorating can be considered a renovation.You then have to comply with the dictates of the ADA in terms of the physicalrequirements. Like so, for example, it talks about thresholds.You can't have, you know, a big where someone can't come up on the scooter, you know,because of the thresholds or, you know, with their walker, that's an issue.Thresholds, grab bars, lowering cabinets in handicap accessible units.A certain number of your units should be made handicap accessible.That depends on how many units you have.It's a percentage.And simple things like aisles wide enough for people to use their scooters.And arguably in our setting, you know, knowing that many, many people do have mobilityimpairments, it's even more important, you know, to make sure that your community hasabided by the rules and the Department of Justice, you know, and lots of fair housinggroups. And HUD also has put in a tremendous amount of money to talk about people'sfair housing rights and to make sure that providers and architects and contractors areaware of what the physical requirements are for spacing and things like that andthresholds. And they've spent a tremendous amount of money talking about that andmaking sure that people are aware.So it becomes very challenging in these days.Every month a case will come out at least once a month on, you know, again, the ownerof multi-family housing, the owner of senior housing, a municipality, you know, manydifferent types for failing to construct their buildings in accordance with therequirements of the ADA.So you have to be careful about that.But there are reasonable rules.So have them about service animals.You know, you can have about scooters, you know, any other kinds of reasonableaccommodations. You should have, you know, rules around the private duty aides.They're another reasonable accommodation that you should have rules about.Got it. Sometimes we see this, the application of these rules, you know, don't seem soreasonable. I know a particular construction project that was not required to have anelevator, but was required to have handicapped accessible bathrooms on the secondfloor. Go figure.Right. Right.I don't know how, you know, somebody who's disabled, you know, then they would have tohave the right amount of housing on the first floor, you know, handicapped accessible.It wasn't a housing project per se.But, you know, we do see things like that sometimes, but that doesn't negate the rules.But if we can focus the conversation from a marketing standpoint.OK.We want to, you know, we titled this the do's and don'ts of nursing home marketing.So I know that there are things that we cannot say.For example, the nursing homes can't say that they're dementia units because there arelaws. This has nothing to do with Fair Housing, but this is the Department of PublicHealth. They haven't clearly defined a lot of regulations for what's qualified as adementia unit. And there's a whole process to go through.So you can call it memory here.You can call it a lot of other things.They can't call it by that name.I've actually walked in one of the nursing homes I was managing, at least in Massachusetts.I worked with the gentleman whose name is Dr.Paul Rea, and he's the one who wrote the regulations for what's called a dementia unit.And we were thinking of maybe turning one of our units, our memory, our unit thoughanyway was a dementia unit, to just make it an official one.And the cost and just the work that it would take, not just money, but also theinconvenience and the downtime that it would take to get it in compliance just didn'tmake sense. And we changed the wording in our marketing materials and we had the sameresult. So instead, we just decided, you know, it was a company decision, you know,should we do it, should we not do it, so how extensive it was didn't make sense.So question for you is what is the absolute, give me a great example of someone that didsomething horrific in their marketing or something that someone can do like really badin their marketing. And like, I guess I'm a worst case scenario person.And what happened as a result or what could happen as a result?So let me give you some examples of things that are risks in marketing when it comes tofair housing. And I've jotted a few of these down so that, you know, I cover everything.So the first one that I would talk about is models, models or people in your marketingmaterials, photographs of individuals, right?That can be problematic because, for example, we talked about the protected class of race,right? So if you only have photographs, they want to see, the government wants to seediversity. So if you have, you know, all Caucasian individuals, that could be a risk foryou because where are the people of color?You're not allowed to discriminate based on someone's color.What if everybody in your marketing materials is running, jogging, biking, doing yoga?Where are all the people that are on scooters, in wheelchairs, with walkers?So models can be potentially problematic.Another issue would be problematic language in your materials.Another one could be potentially, I know a lot of times marketing, especially in the CCRCsetting, will do what's called a targeting marketing campaign, right?So they want it, they're targeting to a particular income level.All right. And they're sending the materials out to that, to the people in a particulargeographic area that meet those income requirements.Well, there have been cases where that's been considered to be a discriminatory practice.Why? Because you're only sending all your marketing material specifically to potentiallyjust white people.Okay. And you're excluding and you may not have any discriminatory intent with that, butthat's the way it comes out.And in the Supreme Court has decided that in fair housing, there is something calleddisparate impact.It doesn't have to be that you purposely discriminate against somebody, but there is anactual disparate impact.So that's an area that you want to be careful about.Lack of an improper, lack of the fair housing logo, it's the little house, or having thelogo, but it's minuscule.You can't see it. If you have the logo and you should have the logo, the fair housinglogo, it's put out by the government.If you have one for leading age and you have one for, you know, whatever local societiesyou belong to and they're all of a certain font and your fair housing is teeny tiny inthe bottom, that's problematic.There is no requirement, by the way, on font, which makes it a little bit more complicated.But you want to make sure that it's the same size as everything else.Exclusionary practices for admission.Again, we don't let people in with scooters or we don't let people in with serviceanimals. Problematic applications, asking lots of, again, this is for independent living,not for nursing or, you know, assisted living or personal care.Asking medical questions, if you're not a type A community, that can be potentiallyproblematic. Asking intrusive questions, asking them to undergo a physical exam.If you don't have, you know, a guarantee of moving through the continuum of care, thatcan be highly problematic.Improper. Oh, I mentioned the improper request of physical exams.Steering, which is a term of art in the fair housing world.Steering means that I come in and I either and government, by the way, and so do fairhousing groups, send testers in to ask these questions and try if they think there'sdiscrimination going on, they will send somebody in who pretends to be an applicant oris looking for housing for their loved one and ask the questions to see what the answersare. Steering means that I come in and I say, hey, you know, my mom is looking forindependent living.She uses a scooter.She needs some help with her medication management.You know, she sometimes gets a little bit confused.And, you know, if you were to say to me, well, you know, she might feel a lot morecomfortable if she goes over into assisted living.That might be a better place for her.We don't really like those kinds of people in independent living.We don't want to look like a nursing home.That's steering. And that is illegal under the Fair Housing Act.Discriminatory denial of reasonable accommodations.And again, being aware of the state and local laws that expand upon the protected classesand making sure that you are not, again, discriminating against additional protectedclasses that your local jurisdiction or state may have in place.So those are a whole series of marketing risks that I would tell you you have to becareful of. Got it.So let's say I have an assisted living and I am targeting a certain group because this isthe group that actually needs the service, can afford the service, will maybe want theservice. Is there no legal way to target that group?If I'm going to put people, let's say, let's see an example of models or even, you know,language. If I'm going to put words on there or pictures or other things that don'tresonate with them, then they're obviously much less likely to, you know, to respond.It doesn't mean that these are the only people that are marketing to.I may have a separate brochure and a separate marketing plan for, you know, for adifferent ethnic group or a different protected class.But right now I want to focus on these people.You know, an open invitation is no invitation.Come over to my house any night you want for a barbecue.That means you're not invited. I'm not even telling you my address.But if I say Tuesdays at 4 p.m.having a barbecue, you know, please bring over, bring over your family.Here's my address. Then you're invited.Right. So the point is, people will resonate to marketing material if they will act on itresonates with them. So if it's, you know, if it's tailored to them, then it'll work.Can I? Is there no legal way to do that?There, you know, well, first of all, I want to be clear.I'm not giving legal advice here.I'm giving you advice from a risk management standpoint.And so, you know, listen, everything that we do is associated with a risk benefit analysis.Right. So I want to be clear about that.So a community can make a determination.What is their risk tolerance?If they really want to market and target towards a particular, you know, group because oftheir income. And it turns out that that they feel like we could be accused ofdiscriminatory behavior because it's going to go to, you know, all white people.That is a question.If you still want to market to that group, I'm not here to say you can't do it or youshouldn't do it. I'm just saying, be aware that that's a risk.Right. So anything that you market on could be a risk.But if you think that the benefit of targeting a particular group of people is going to,you know, bring in the people that you want or that you think would benefit from yourservices, then that would be your assessment of and that would be a risk tolerance toyour community. Right.Got it. Who are the discrimination police that are going to bring this case in front of,you know, they're going to get, you know, secret people coming in undercover and askingfor service.So the DOJ has testers that work for them in the Civil Rights Division.Now, who brings it to their attention so that someone would want to come down?Yeah. So I'm going to tell you, there are a lot of fair housing advocacy groups outthere. There are a lot of law school clinics that also have fair housing, you know,clinic that are staffed by law students.The government gives money.They're like quasi-public, private, public government entities.They get money from the government in recognition of their work and they get money fromthe government to do that.So they are there to enforce fair housing rights.Usually the way it would work is if I am an individual, many times this is how ithappens. I'm an individual.I go, I apply for residency at a particular community.I feel that I've been discriminated against for whatever reason that, you know, mydisability, my religion, the color of my skin, whatever it is.I go to a fair housing group and I make a complaint.If they, they will then investigate my complaint.If they feel that there is some validity to that, they will do their own research.They will start their own investigation.They will have testers.They will go out. They then turn it over usually to HUD.With their findings, if they feel that there is what we call a pattern or a practice ofdiscrimination, they will send it to HUD.If HUD, the Housing and Urban Development Office of the government, feels that it risesto a certain level and they think that there is a discriminatory pattern and practice goingon, then that gets referred over to the Department of Justice.So the lawsuit can either be me, Wildrick versus ABC Senior Living.If I feel that I've been discriminated against individually, I can sue you instate court or federal court.If it's a fair housing group, then a lot of times, you know, that fair housing groupwill bring it on my behalf.So it would be Wildrick and the Fair Housing Alliance versus if it goes to HUD, itwould be, you know, HUD, Housing and Urban Development v.the housing community.And again, in the worst case scenario, it rises up to the level of the DOJ, theDepartment of Justice, and they will bring the claim and it will then be the UnitedStates of America. It will be in federal court and it will be brought against you.So there are they are essentially what you're referring to as the police.They are the enforcers.They are bringing them. But private claims can be brought by individuals or by privatehousing groups. And there are loads of them out there or the government can do it.Well, so now on a professional standpoint, where do you come in the business thatyou're involved in? Which piece of this?Are you the police? Are you the defendants?Are you just educating people to stay away from the cops?Right. So my job as the risk manager for FSA, for the communities that we work with, webring we do lots of education.We do lots of fair housing education, both for marketing and admission staff, as well asstaff within the community that is responsible to move people through that continuum ofcare. So we do loads of education for them.We also come in many times and we do education for the residents themselves.We have meetings with residents.Sometimes residents, for example, may say, you know, things that we feel areinappropriate, like why is so and so in the dining room?She's in a wheelchair and and she's totally out of it.And I don't want to look at that when I'm eating and, you know, or asking questions.Why is this person living in independent living?This person doesn't belong here.She's not like the rest of us.She should go into assisted living.You know, we have a problem with it.We're here to educate the residents on their rights as residents, as well as, you know,what the Fair Housing Act says and why we're not going to share any details andinformation with them about other residents and what we're doing with them and forthem as far as reasonable accommodations or any any other way that we're working withthem. So we like to educate the residents.We also work specifically with marketing teams.We help them with, again, do's and don'ts in their marketing materials, language thatthey should have on all of their websites, on their brochures, on anything that they'redoing. We help them with information on, you know, things to share and not share duringtours. So, you know, we're here and we develop all kinds of templates for policiesand procedures and things of that nature.We also work with the risk management committees to review all of the marketingmaterials and the website before they actually go live and before anything's printed tomake sure that everything is, you know, on the up and up, both from a fair housingstandpoint and a general risk management standpoint.We don't want people over promising that, you know, it's all about for us settingrealistic expectations.So we're here at FSA to help our communities understand what it is, understand therisks, and also develop policies, procedures, rules, guidance.So we talk about rules and we have templates for rules for service animals, rules forscooters, rules for private duty aid, hold homeless agreements, indemnificationagreements when somebody does want to hire a private aide to make sure that theyunderstand that we're not responsible for, you know, what they do or what they doincorrectly or what they fail to do.So those are all things that we do at FSA in our risk management program to assist theorganizations that we work with.Fascinating.We've gone a little bit later because you're sharing, you're dropping all the jewelsthere. But the question for, is there anything, it may not be necessarily fair housingrelated, but if there are residents in a senior living setting that completelydisregards all discriminatory laws and regulations, to have some people that justdon't care anymore and they'll say things to the staff about their religion, aboutthe color of their skin, about the country that they come from, about their accent, andthey'll, they have nothing to lose.Is there any recourse, and you can educate them, but they don't care.Is there any recourse that providers can do to help really prevent their staff, notprotect their staff, or the residents from each other, when you have residents thatcompletely ignore all the rules that we're discussing?Well, that would be a topic for an entire other podcast.But what I will say is what you're describing for your employees is a hostile workenvironment. And even if you cannot stop the resident from saying, you know, thebigoted, you know, racist kinds of things that you're describing, you cannot, as aprovider, throw your hands up and say, oops, sorry.You know, in one particular case that was, it's a fairly recent case that was broughtfor a hostile work environment.The CNA was being, you know, spoken to in that manner that you just said, and alsosexually harassed, groped, touched, you know.And the administrator in that case, the language that she used was, put your big girlpanties on and deal with it.OK. And they got hit with a massive verdict.So you don't want to do that.But so, again, there are things that you should and can do to mitigate the harm thatcomes to employees. So, you know, for example, you might want to switch staffingpatterns around. You might, if it's somebody that is, you know, touching inappropriately,then you might want to use, you know, a male caregiver or you might send that person inwith a second caregiver at all times.Or you might, again, like in the case of the CNA that I was just talking about, she hasto be moved to a different wing away from that resident.And that's when the administrator said that to her.So, again, you want to look, there's all different things that you can do.But what you shouldn't do is to basically throw your hands up and say, there's nothingthat I can do about that.No, of course not. No, the question is not about the staff, but the question is, is thereanything that can be done to, I guess, to encourage or force the people who live inthat setting not to engage in those practices?Well, other than what you just described, you know, like the education, and obviouslyit's going to depend on the, you know, on the competency of that individual.If that individual has intellectual disabilities and or dementia, right, right.But if they don't have those things, then, you know, and they're not abiding by therules, then there may have to be, you know, after you've spoken to them, anddocumentation is key, you have to be documenting everything you're doing, everyeffort you're making, every conversation that you've had.And if that resident is refusing, then there may have to be a discharge in that casebecause you're not able to care for them anymore.Got it. Got it.Fascinating.If people want to learn more about the topics that we're discussing or learn moreabout you and your company, where's a good resource, where's a good place to send themto?Our website, FSAinfo.org, is a good place, and it has, you know, a number of theresources that we have on there.We, you know, we provide a lot of different services in addition to risk management.Awesome.Okay.FSA, what is it, FSAinfo?Yeah, FSAinfo.org.Okay.We'll include that in the show notes.I'm going to take a little peek.All right.Any final thoughts before we let you go for today?Again, I think it's really important that you recognize and discuss, you know, whatyour risk tolerance is because the message that I want you to take is, yeah, there area lot of fair housing rules and the advocacy groups really, you know, they take a verystrong position pro-tenant, pro-resident.You know, myself, you know, representing providers and on the, you know, trying tokeep providers out of trouble, I might take a more restrictive view of it, but it'sreally be aware of what the risks are and then make informed decisions about your riskbenefit analysis and what your risk tolerance is.Sometimes it might be better to decline admission to somebody, you know, and risk afair housing claim than to take somebody in that, you know, is not appropriate andit's going to struggle in a particular level of care, you know, and it's going to, youknow, be really a massive burden to you.You might choose to take the risk of potentially a discrimination fair housing claimthan to take somebody in that, you know, is going to be incredibly problematic andpotentially present you with a negligence action.Got it.Got it.Okay.I'm just going to, wait, you just want to unmute.I know you didn't, I'm sorry.I'm looking at the wrong place here.That's my bad.But there's just one comment here from Hannah.It says, thank you, Christina, for sharing your expertise as a marketing professional.Christina living in organizations is very interested in to think through the risks,which is definitely true.And there's something that you brought to us.Thank you very much, Christina, for joining us today and for sharing everything that youshared over here on the show.It definitely has been very informative just about, like you said, knowing the risks, whento take them, when not to take them.Right.Okay.You're welcome.Thank you for having me.

In this episode, Ricardo talks about the recent developments at OpenAI, including the departure and return of Sam Altman. Rumors say that OpenAI is creating a potentially revolutionary language model with the capacity to pose a threat to humanity. In the Financial Times, he published an influential article detailing how ChatGPT has already impacted workforce wages, particularly in translation services (https://www.ft.com/content/b2928076-5c52-43e9-8872-08fda2aa2fcf). Ricardo acknowledges the unpredictable future, emphasizing the need for adaptability, especially in project management. The rapid evolution of AI raises questions about the role of project managers and the broader workforce. Adaptation becomes crucial for survival and success despite unprecedented technological advancements. By the way, this episode illustration was created by Generative AI using DALL-E.

Neste episódio, Ricardo fala sobre os acontecimentos recentes na OpenAI, incluindo a saída e o retorno de Sam Altman. Há rumores de que a OpenAI está criando um modelo de linguagem potencialmente revolucionário com capacidade de representar uma ameaça à humanidade. O Financial Times publicou um artigo poderoso detalhando como o ChatGPT já impactou os salários da força de trabalho, especialmente em serviços de tradução (https://www.ft.com/content/b2928076-5c52-43e9-8872-08fda2aa2fcf). Ricardo reconhece o futuro imprevisível, enfatizando a necessidade de adaptabilidade, especialmente na gestão de projetos. A rápida evolução da IA levanta questões sobre o papel dos gestores de projetos e da força de trabalho em geral. A adaptação torna-se crucial para a sobrevivência e o sucesso face a avanços tecnológicos sem precedentes. A propósito, a imagem deste episódio foi criada pela AI Generativa usando DALL-E.

Dan Buelow continues his discussion on professional liability (PL) claims with Anthony Carolei, Director of Risk Management for Professional Liability for Hanover's A&E program. PL claims are taking longer to settle and costing more to resolve. Understanding the process, including working with defense counsel, alternative dispute resolution and important coverage features and obligations in a design firm's professional liability policy is critical.

Risk Management - it's a really hot topic right now. I'm joined by long-time management consultant, the inventor of Applied Information Economics (AIE), and author of 'The Failure of Risk Management: Why It's Broken and How to Fix it', Douglas W Hubbard. During our chat, Douglas talks about: 1. The challenge with Risk Assessments, 2. Probability defined (not as easily defined as you think), 3. Problems with the traditional risk matrix and matrices (sure to surprise you!), 4. Analysis placebo, 5. Using information incorrectly, 6. The long definition and short definition of risk management, 7. The 4 responses to risk action...can be ...a little murky, 8. Risk neutrality, 9. Changes in risk tolerance, 10. Risk and impact, 11. Value Statistical Life (VSL), 12. Tips to chat current risk practices. Effective risk management plays an essential role in effective decision-making. By applying the insights Douglas provides, you'll find yourself (and your organization) making smarter decisions based on techniques that have shown measurable benefit. (Adapted from the back cover sleeve). Enjoy!

Jacob Galecki is the Founder and Managing Principal of Galecki Search Associates, a professional and executive recruiting firm specializing in technical and analytical insurance talent.

Guest: Allyn Stott, Senior Staff EngineerOn LinkedIn | https://www.linkedin.com/in/whyallyn/On Twitter | https://twitter.com/whyallynOn Mastodon | https://infosec.exchange/@whyallynAt Black Hat Europe | https://www.blackhat.com/eu-23/briefings/schedule/speakers.html#allyn-stott-42433____________________________Hosts: Sean Martin, Co-Founder at ITSPmagazine [@ITSPmagazine] and Host of Redefining CyberSecurity Podcast [@RedefiningCyber]On ITSPmagazine | https://www.itspmagazine.com/itspmagazine-podcast-radio-hosts/sean-martin____________________________Episode NotesIn this episode of the ITSPmagazine On Location Event Coverage series, host Sean Martin engages in a thought-provoking conversation with guest Allyn Stott, a seasoned cybersecurity professional and senior staff engineer. The discussion orbits around the challenges and solutions in building a modern detection response program.Allyn shares his unique perspective on why blue teams often fail. He suggests that the failure is not due to a lack of technical skills, but rather a lack of a broader strategy and understanding of the overall detection response program. He emphasizes the importance of integrating the detection response team into broader business conversations, thereby fostering a more holistic approach to managing risk.The conversation also explores the role of threat intelligence and the need for continuous learning and adaptation in the face of evolving threats. Allyn underscores the importance of understanding the business's actual risk and aligning the detection response program accordingly.Allyn also shares his experience in creating a framework to help teams understand their current capabilities and how to evolve towards a more effective detection response program. This framework, he suggests, can help prioritize work within the program and provide a roadmap for reporting out.This episode is a treasure trove of insights for CISOs, managers, directors, and builders in the cybersecurity field. It provides a roadmap for identifying skill sets, prioritizing work within the program, and reporting out, all crucial elements in building a modern detection response program.The conversation is a blend of practical advice and philosophical musings on the nature of cybersecurity, making it a must-listen for anyone interested or practicing in the field.About Allyn's Black Hat Europe 2023 Session, 'How I Learned to Stop Worrying and Build a Modern Detection & Response Program': You haven't slept in days. Pager alerts at all hours. Constant firefights. How do you get out of this mess? This talk gives away all the secrets you'll need to go from reactive chaos to building and running a finely tuned detection & response program (and finally get some sleep).Gone are the days of buying the ol' EDR/IDS/NGAV combo, throwing some engineers on an on-call rotation, and calling it your incident response team. You need a robust and comprehensive detection and response program to fight modern day attackers. But there are a lot of challenges in the way: alert fatigue, tools are expensive, hiring talent is impossibly difficult, and your current team is overworked from constant firefights.How do you successfully build a modern detection and response program, all while riding the rocket of never ending incidents and unforgiving on-call schedules?This talk addresses the lack of a framework, which has led to ineffective, outdated, and after-thought detection and response programs. At the end of this talk, you will walk away with a better understanding of all the capabilities a modern program should have and a framework to build or improve your own.* How worrying can be a superpower* Why blue teams fail* The framework I've developed for building a detection and response program____________________________ResourcesHow I Learned to Stop Worrying and Build a Modern Detection & Response Program: https://www.blackhat.com/eu-23/briefings/schedule/#how-i-learned-to-stop-worrying-and-build-a-modern-detection--response-program-34241A Security Newsletter with a Cute Cat: https://www.meoward.co/subscribeLearn more about Black Hat Europe 2023: https://www.blackhat.com/eu-23/____________________________Watch this and other videos on ITSPmagazine's YouTube ChannelBlack Hat Europe 2023 playlist:

Hear veteran risk manager, advisor and professor Clifford Rossi's viewpoints on trends, threats and opportunities in the commercial and residential real estate markets.  The past couple of years have been an extremely challenging time for risk practitioners charged with measuring and managing real estate risk. In both commercial real estate and residential real estate, concerns have been raised globally about interest rates, inflation and economic uncertainty. Indeed, in a recent Federal Reserve survey on salient risks – part of the Fed's October Financial Stability Report – roughly 75 percent of respondents cited the potential for “large losses on CRE and residential real estate.” CRE, more specifically, has been plagued by escalating vacancy rates for office buildings, thanks in part to the remote work trend that started during the pandemic and has since taken off. Residential real estate, meanwhile, has dealt with worries about housing affordability. As a former CRO at multiple banks and as an ex-senior risk manager at Fannie Mae and Freddi Mac, Cliff Rossi, our honored guest today, knows all about the CRE and residential real estate risks facing financial institutions today. Cliff, the current Director of the Smith Enterprise Risk Consortium at the University of Maryland (UMD), speaks with GARP editorial director Robert Sales about global real estate concerns and challenges, and offers advice on how firms can more effectively manage their exposures.   SPEAKER'S BIO: Clifford Rossi (PhD) is the Director of the Smith Enterprise Risk Consortium at the University of Maryland (UMD) and a Professor-of-the-Practice and Executive-in-Residence at UMD's Robert H. Smith School of Business. He is also the author of GARP's monthly “CRO Outlook” column. Prior to entering academia, Rossi had nearly 25 years of experience in banking and government, having held senior executive roles in risk management at several of the largest financial services companies. His most recent position was Managing Director and Chief Risk Officer for Citigroup's Consumer Lending Group, where he was responsible for overseeing the risk of a $300+B global portfolio of mortgage, home equity, student loans and auto loans with 700 employees under his direction. While there he was intimately involved in Citi's TARP and stress test activities. He also served as Chief Credit Officer at Washington Mutual (WaMu) and as Managing Director and Chief Risk Officer at Countrywide Bank. Previous to these assignments, Rossi held senior risk management positions at Freddie Mac and Fannie Mae. He started his career during the thrift crisis at the U.S. Treasury's Office of Domestic Finance and later at the Office of Thrift Supervision working on key policy issues affecting depositories. Rossi was also an adjunct professor in the Finance Department at the Robert H. Smith School of Business for eight years and has numerous academic and nonacademic articles on banking industry topics. Rossi is frequently quoted on financial policy issues in major newspapers and has appeared on such programs as C-SPAN's Washington Journal and CNN's Situation Room. His book for risk practitioners and graduate students, A Risk Professional's Survival Guide, was published in 2014 by John Wiley & Sons, Inc. His research interests are in financial and nonfinancial risk management, risk governance and analytics and climate risk.

Energy healing practitioner and former practicing attorney Midge Murphy talks about her latest release “Practice Energy Healing in Integrity: The Joy of Offering Your Gifts Legally & Ethically” considered the gold standard in ethics, legal issues and risk management strategies for energy healing practitioners and healing methods! Midge is the first attorney to receive a PhD in Energy Medicine with a deep understanding of law and alternative healing arts, provided counseling services for 15+ years in liability & risk management consulting, spent a decade in the entertainment industry with ABC and Disney in legal and business, and offers the opportunity to earn a Certificate of Completion to prevent lawsuits, malpractice, negligence, criminal mischief and more! Find out how you can practice energy healing with integrity with Midge Murphy and her latest release on all major platforms and www.midgemurphy.com today! #midgemurphy #energyhealing #practitioner #attorney #practiceenergyhealinginintegrity #ethics #riskmanagement #energyhealing #energymedicine #alternativehealing #ABC #disney #spreaker #iheartradio #spotify #applemusic #youtube #anchorfm #bitchute #rumble #mikewagner #themikewagnershow #mikewagnermidgemurphy #themikewagnershowmidgemurphy

Everybody wondering how to build wealth should listen to this episode with Codie Sanchez. Codie is a mastermind in turning 'boring' businesses into profitable ventures. She explains the allure of investing in everyday businesses like laundromats and car washes, showcasing how these often-overlooked opportunities can be lucrative. She also reveals her top strategy for increasing sales in small businesses, a hack that has proven pivotal in her success.We then shift to Codie's unique acquisition technique, a method influenced by Amazon's business strategies. She provides valuable insights into this approach, demonstrating how it can be applied to various business models for maximum effectiveness. Additionally, Codie shares her perspective on the burgeoning legal cannabis market, offering her thoughts on its current state and future potential.In the final segment of today's episode, Codie and James discuss her "Contrarian Thinking" course and newsletter, which embody the essence of challenging conventional wisdom and investing in unconventional ideas. Codie elaborates on the core principles of the course, emphasizing the importance of 'investing in yourself,' a philosophy that resonates deeply with the themes of James' book "Choose Yourself." This episode is not just about investments and strategies; it's about the mindset and resilience required to excel in the world of business.The FREE Contrarian Thinking Newsletter | Free your mind. Build your bank account.Contrarian Thinking CoursesCodie Sanchez's Website-----------What do YOU think of the show? Head to JamesAltucherShow.com/listeners and fill out a short survey that will help us better tailor the podcast to our audience!Are you interested in getting direct answers from James about your question on a podcast? Go to JamesAltucherShow.com/AskAltucher and send in your questions to be answered on the air!------------Visit Notepd.com to read our idea lists & sign up to create your own!My new book, Skip the Line, is out! Make sure you get a copy wherever books are sold!Join the You Should Run for President 2.0 Facebook Group, where we discuss why you should run for President.I write about all my podcasts! Check out the full post and learn what I learned at jamesaltucher.com/podcast.------------Thank you so much for listening! If you like this episode, please rate, review, and subscribe  to “The James Altucher Show” wherever you get your podcasts: Apple PodcastsStitcheriHeart RadioSpotifyFollow me on Social Media:YouTubeTwitterFacebook

Hello, Digital Supply Chain enthusiasts! I'm excited to share with you the key insights from my latest podcast episode where I had the pleasure of discussing the evolving world of Environmental Health and Safety (EHS) with Donavan Hornsby, Chief Strategy Officer at Benchmark Gensuite.In our deep-dive conversation, Donavan brought to light how cutting-edge technology, including AI and computer vision, is reshaping risk management in the workplace. It's not just about identifying risks anymore; it's about preemptively addressing them to ensure safety and compliance in real-time.We explored how companies, regardless of size, can leverage technology to not only meet compliance standards but also to push beyond them for greater operational efficiency and employee safety. This is particularly crucial in a world where regulations and expectations are continually evolving.Donavan shared fascinating insights on the role of data management systems in helping companies transition from traditional methods to more sophisticated, integrated approaches. It's not just about avoiding penalties anymore; it's about building a culture that prioritises safety and sustainability at its core.This episode is a must-listen for anyone interested in how technology is revolutionising the way we think about and manage workplace safety and environmental compliance. Whether you're part of a large corporation or a smaller enterprise, there's something to learn and apply in your organisation.Here is the link to the webinars on the Benchmark website that Donavan referred to https://benchmarkgensuite.com/webinars/, and don't forget to check out the video version of this podcast on YouTube.So, tune in, get inspired, and let's keep pushing the boundaries for a safer, more sustainable supply chain world!Support the showPodcast supportersI'd like to sincerely thank this podcast's generous supporters: Lorcan Sheehan Krishna Kumar Christophe Kottelat Olivier Brusle Alicia Farag Joël VANDI Luis Olavarria And remember you too can Support the Podcast - it is really easy and hugely important as it will enable me to continue to create more excellent Digital Supply Chain episodes like this one.Podcast Sponsorship Opportunities:If you/your organisation is interested in sponsoring this podcast - I have several options available. Let's talk!FinallyIf you have any comments/suggestions or questions for the podcast - feel free to just send me a direct message on Twitter/LinkedIn. If you liked this show, please don't forget to rate and/or review it. It makes a big difference to help new people discover it. Thanks for listening.

What do we mean when we talk about risk management? As entrepreneurs, our job is to make sure that our businesses and personal lives have no singular failure points. Some of the biggest risks we face are around the two broad terms of “business continuity” and “liability risk”.   In this week's episode of the Entrepreneur Aligned Podcast, Jarrod discusses these two types of risk, the impact they can have on your personal planning, and how to protect yourself and your family in the years ahead.   -----   ABOUT JARROD   Jarrod was born into financial planning and solving financial problems. With his financial advisor father Steve telling stories about finance around the dinner table from an early age, the idea that everyone has a different financial situation was always there. After an early professional career spent in nonprofit and government, Jarrod came back to his roots helping people plan and invest in 2011. Since then, he has worked with individual clients, led internal teams and ultimately became partner and the CEO of Destiny Capital in 2017. With a passion for helping entrepreneurs change the world, Jarrod ultimately oversaw the creation of Entrepreneur Aligned in 2020. With both Destiny Capital and Entrepreneur Aligned, Jarrod leads teams that help people live lives of abundance where money is simply a tool to let everyone be a positive force for the world around them. When he isn't working with the talented teams for EA and DC you can find him chasing his twins, wily trout or a podium spot at an OCR race.   WANT TO LEARN MORE?   Subscribe to our Entrepreneur Aligned Podcast for new episodes posted every week OR click below to check out more new content from Entrepreneur Aligned.   Wealth Digest - weekly articles delivered to your inbox! Subscribe to our YouTube channel Connect on LinkedIn Follow on Twitter Follow on Instagram Check out our Linktree   REACH OUT TO US!   If you have a question or simply want to talk through your financial planning, we are here to help.   SEND US A MESSAGE or call 720-715-7570   DISCLOSURE: Jarrod Musick is an officer of Destiny Capital and Entrepreneur Aligned, a DBA of Destiny Capital. All opinions expressed by Jarrod are solely his own opinions and do not reflect the opinion of Destiny Capital or Entrepreneur Aligned. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions. We recommend consulting with your wealth advisor, CPA/tax advisor and/or attorney, as applicable to your situation, prior to implementing a new investment strategy. Advisory services provided by Destiny Capital Corporation, a Registered Investment Adviser.

In this episode, Ricardo discusses the recent upheaval at OpenAI, likening it to a dramatic chapter from HBO's succession. CEO Sam Altman was fired on a turbulent weekend, leading to speculation and confusion. Microsoft, unaware of the decision, expressed concern. Key researchers resign, and Altman is rumored to return. OpenAI appointed Emmett Shear as CEO, and Microsoft later announced Altman's joining. Ricardo emphasizes the lessons on volatility, communication failures, and the importance of governance in tech giants. The sudden changes raise uncertainties about AI development and investments, highlighting the unpredictable nature of the industry.

No episódio desta semana, Ricardo aborda a tumultuada reviravolta na OpenAI, comparando-a a um capítulo dramático de Sucessão da HBO. Em um fim de semana turbulento, o CEO Sam Altman foi demitido, causando especulações e confusões. A Microsoft, alheia à decisão, expressa preocupação. Pesquisadores-chave renunciam, e há rumores sobre o retorno de Altman. A OpenAI nomeia Emmett Shear como CEO, e posteriormente a Microsoft anuncia a adesão de Altman. Ricardo destaca lições sobre volatilidade, falhas de comunicação e a importância da governança nas gigantes de tecnologia. As mudanças súbitas levantam incertezas sobre o desenvolvimento da IA e investimentos, destacando a natureza imprevisível da indústria.

The annual 2023 MDaudit Benchmark Report has been published, and it is relevatory in its analysis of articial intelligence (AI) and its impact on payment and revenue integrity. According to the report, the primary topic of discussion for the next live edition of the long-running Monitor Mondays Internet broadcast, the implications of AI are immense when predicting its application to audit workflows – which is expected to impact outcomes for both providers and payers.MDaudit CEO Ritesh Ramesh will appear as the special guest on Monitor Mondays to discuss the latest findings from the annual survey and how AI may impact healthcare revenue, including external payer audits and the detection of compliance and payment risks.Other broadcast segments will include these instantly recognizable features:• Monday Rounds: Dr. Ronald Hirsch, vice president of R1 RCM, will make his Monday Rounds.• The RAC Report: Healthcare attorney Knicole Emanuel will report the latest news about auditors.• Risky Business: Healthcare attorney David Glaser, shareholder in the law offices of Fredrikson & Byron, will join the broadcast with his trademark segment.• Legislative Update: Adam Brenman, federal analyst for Zelis, will report on the latest legislative actions impacting the healthcare regulatory setting.

Risk management is the process of identifying, assessing, and prioritizing potential risks, and taking actions to minimize or control their impact on an organization or project. What does that look like in your organization? Let's talk about it!

Guest: Andrzej Cetnarski, CEO and founder of Cyber Nation Central, trains and advises boards and c-suites on cybersecurity perspectives and best practices. On LinkedIn | https://www.linkedin.com/in/andrzejcetnarski/Host: Matthew RosenquistOn ITSPmagazine  

In this episode, James talks with Nikki Ostrander, Owner of Vault Insurance & Risk Management. To learn more about Vault Insurance & Risk Management. visit https://www.vaultinsure.com/. Visit our website to join our email list, get the scoop on our LIVE coaching calls and never miss an episode: https://www.agencyfreedom.com Connect with Agency Freedom Podcast on Facebook at the Agency Freedom Podcast group: https://www.facebook.com/groups/agencyfreedom Email us at podcast@agencyfreedom.com with ideas, questions, complaints or your favorite grilling recipe. Episode Highlights: Nikki shares that her mom who was in the insurance industry inspired her to become an agent which led her to start her agency and bring on her best friend and husband to build their dream. (3:49) Nikki shares her experience of finding a unique commission structure that works for her and her agency, highlighting the importance of individualized approaches in the industry. (8:36) Nikki believes that treating people right, doing the right things, and showing a smile can lead to positive outcomes, especially in small towns. (13:30) Nikki emphasizes the importance of having the right team members and support system to maintain balance and handle the demands of a growing business. (18:44 ) Nikki discusses the importance of maintaining connections with other agents and brokers to stay informed about industry developments and potential opportunities. (26:26) Key Quotes: “If you treat people right, and you do the right things, and you show up with a smile on your face, people are going to know, people are gonna talk about it.” - Nikki Ostrander “It's about having the right pieces in place to make things flow and go. Because if you don't have the right pieces in the place to move forward, things get unbalanced and they get hectic.” - Nikki Ostrander “It's all about relationships and keeping the relationships good and the lines of communication open.” - Nikki Ostrander 

In this episode, James talks with Nikki Ostrander, Owner of Vault Insurance & Risk Management. To learn more about Vault Insurance & Risk Management. visit https://www.vaultinsure.com/. Visit our website to join our email list, get the scoop on our LIVE coaching calls and never miss an episode: https://www.agencyfreedom.com Connect with Agency Freedom Podcast on Facebook at the Agency Freedom Podcast group: https://www.facebook.com/groups/agencyfreedom Email us at podcast@agencyfreedom.com with ideas, questions, complaints or your favorite grilling recipe. Episode Highlights: Nikki shares that her mom who was in the insurance industry inspired her to become an agent which led her to start her agency and bring on her best friend and husband to build their dream. (3:49) Nikki shares her experience of finding a unique commission structure that works for her and her agency, highlighting the importance of individualized approaches in the industry. (8:36) Nikki believes that treating people right, doing the right things, and showing a smile can lead to positive outcomes, especially in small towns. (13:30) Nikki emphasizes the importance of having the right team members and support system to maintain balance and handle the demands of a growing business. (18:44 ) Nikki discusses the importance of maintaining connections with other agents and brokers to stay informed about industry developments and potential opportunities. (26:26) Key Quotes: “If you treat people right, and you do the right things, and you show up with a smile on your face, people are going to know, people are gonna talk about it.” - Nikki Ostrander “It's about having the right pieces in place to make things flow and go. Because if you don't have the right pieces in the place to move forward, things get unbalanced and they get hectic.” - Nikki Ostrander “It's all about relationships and keeping the relationships good and the lines of communication open.” - Nikki Ostrander 

U.S. crude oil hits record monthly production Operational oil rigs are 25% fewer? U.S. per capita gasoline demand and consumption expectations The impact of fuel efficiency and EVs  The effect renewable diesel and SAF will have on feedstock usage Become a subscriber to McKeany-Flavell's IQ Ingredient Intelligence platform! Schedule a demo today Host: Michael Caughlan, President & CEO Expert: Shawn Bingham, Director of Risk Management

Touching on the world of medications, this week Teepa and Greg discuss in particular anticholinergics, which are drugs that block the action of acetylcholine. What does that have to do with dementia? They both need a baseline to track changes, which can then help to provide a plan of action. For more information on this month's sponsor, visit www.joyshouse.org. To learn more about Positive Approach to Care, please visit us at ⁠www.teepasnow.com⁠. --- Send in a voice message: https://podcasters.spotify.com/pod/show/dementiacaregivertalkshow/message

On Today's Show, https://thehotshotwakeup.substack.com/ I have on Doug Cote to discuss the record-breaking wildfire season in Canada. Doug has a long and extensive wildfire career, including smoke jumping in the Yukon, and now his career is focused on prescribed fire and aerial ignition work in the Northern Boreal forests and working with Indigenous communities to bolster burn programs. We discuss the wild year that Canada had and what that looked like from the ground. We cover the tactics used up North and the reality of leaving fires over a million acres unstaffed or with limited staffing. We cover the ever-growing cross-border resource sharing that took place with Hotshot crews and teams, and like myself, Doug sees this as an increasing trend. We also talk about the unprecedented line-of-duty deaths that took place this year in Canada and how they can learn and understand why these took place. A fascinating conversation. THE HOTSHOT WAKE UP - Thank you to all of our paid subscribers. It allows us to donate generously to firefighter charities and supports all the content we provide. You also receive all of our article archives, more podcast episodes, Monday morning workouts, entered into our giveaways, recipes, and more.

David Colvard talks to Risk Management Services Member Advocates. Member Advocates are representatives around Georgia who local contacts and help with direct assistance to the Risk Management members. .

This discussion isadeep dive into the pressing need for innovation within thebankingindustry. Our experts explore the intricacies of cultivating a culture of innovation within banks, a sector often characterized by a traditional and risk-averse mindset.​Our guests discuss the pivotal role of leadership in setting the right tone for creative thinking, empowering employees at all levels, and fostering an environment that rewards risk-taking and learning. Guests  spotlightsuccessful banks that have embraced innovation and the tangible benefits that have ensued. ​Tune in if you're part of the banking sector or simply interested in how innovation can revolutionize traditional industries.​

In this episode of URMIA Matters, Julie Groves interviews Pat Mathis, Co-founder and Managing Member- Title IX Solutions, LLC, about the upcoming changes in the Title IX regulations. Pat explains what the new regulations mean for colleges and universities, and how they affect the responsibilities of students, faculty, and staff. Pat also shares some practical tips and best practices for Title IX coordinators and risk managers to prepare for the new regulations, such as reviewing policies, training staff, and communicating with stakeholders. Julie and Pat also discuss some of the challenges and opportunities that the new regulations will bring for Title IX compliance and prevention efforts. Show Notes [member log-in required for some content]Connect with URMIA & URMIA with your network-Share /Tag in Social Media @urmianetwork-Not a member? Join ->www.urmia.org/join-Email | contactus@urmia.org Give URMIA Matters a boost:-Give the podcast a 5 star rating-Share the podcast - click that button!-Follow on your podcast platform - don't miss an episode!Thanks for listening to URMIA Matters!

This Episode is going to blow your mind!! Erik Rifkin PhD, an environmental scientist and author of "The Illusion of certainty," and most recently his book, "Interpreting Health Risks and Benefits,"breaks down the huge difference between "Relative Risk" VS "Absolute Risk"...and the difference is staggering!! We look at many commonplace medical tests and treatments and how effective they actually are when viewed through the lens of absolute risk rather than relative risk. Learn just how effective, or not, test such as mammograms, bone density tests, PSA testing, colonoscopy's, cholesterol medication and more actually are.   Prefer to watch this interview on YouTube? Check out the full episode here!    We are making big changes by the end of the year and our shows will not be available on the regular platforms. The only way you will be able to access the content is directly through our newsletter. Please make sure to sign up for our newsletter here.   Connect with Dr. Erik Rifkin:  Email: Erifkin102@aol.com   Check Out Our Preferred Air Purifier that We Use in Our Home here.  Sign Up for the Nature Care SoulUtions Course here. Check out my latest book Nature Care SoulUtions: Reclaim Your Power To Heal here.

Download the “65 Investment Terms You MUST Know to Reach Your Financial Goals” for FREE by going to https://TodaysMarketExplained.com/  Brandon Bischof (https://www.canterburygroup.com/) is known as an industry thought leader. He is a regular contributor to market commentary and portfolio management strategy for nationally recognized news outlets and has taken a leadership role in improving the quality of Investor Education for both individuals and financial advisors. Tom Hardin (https://www.canterburygroup.com/)  has a broad breadth of experience and knowledge, spanning more than 30 years in the investment management industry. He is a frequently sought-after speaker for his contributions to Adaptive Portfolio Management. In this episode, Brian, Brandon, and Tom discuss: 1. The Importance of Risk Management in Wealth Growth and Protection 2. How Risk Management Trumps Market Hype 3. Portfolio Thermostats and How To Use Them 4. Investing in a Vulnerable Market Brandon's LinkedIn: https://www.linkedin.com/in/brandonbischof/  Tom's LinkedIn: https://www.linkedin.com/in/thomas-hardin-cmt-cfp-02778a10/  Website: https://www.canterburygroup.com/  Facebook: https://www.facebook.com/CanterburyInvestmentManagment/  Follow us here to see short videos of all our best investing tips: TikTok: https://www.tiktok.com/@todaysmarketexplained   Instagram: https://www.instagram.com/TodaysMarketExplained YouTube: https://www.youtube.com/@todaysmarketexplained  Facebook: https://www.facebook.com/TodaysMarketExplained Twitter: https://twitter.com/PodcastTME Website: https://todaysmarketexplained.com/  DISCLAIMER: This podcast is provided by FourStar Wealth Advisors for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after a thorough review with your investment advisor considering all factors including personal goals, needs, and risk tolerance. FourStar is an SEC-registered investment advisor that maintains a principal business in the state of Illinois. The firm may only transact business in states in which it has filed or qualifies for a corresponding exemption from such requirements. For information about FourStar's registration status and business operations please consult the firm's form ADV disclosure documents, the most recent versions of which are available on the SEC investment advisory public disclosure website at www.adviserinfo.sec.gov

This week, host Colbert Cannon sits down with Emilia Wiener, Chief Investment Officer at TIAA, an asset management firm that specializes in retirement investing for educators. We talk about Emilia's time at The MONY Group, AllianceBernstein, Genworth, and AXA, before moving on to TIAA. Emilia also shares her perspective on the value of private credit, properly documented transactions and the ability to proactively reposition a portfolio.

Innovation is something we all talk about but something that is notoriously hard to do in insurance. That's hardly surprising because in our industry we prize and incentivise all the things that are the effective opposite of innovative. We reward stable and predictable when, at least at the beginning, most innovative ventures are likely to be highly volatile and unpredictable. And then we wonder why it's so hard to bring new ideas to fruition in our sector! To be fair to ourselves, in the past few years insurance has started to invest in people who have the word innovation in their job title and whose performance is measured more on whether they can bring the products of the future to market rather than on their initial loss ratios. Tom Hoad, of is one of this select but growing band. He moved to Howden to set up Howden Ventures, which he describes as a vehicle for professionalising innovation. Here Tom is combining seed and venture funding with distribution and the ability to underwrite through the Howden Group's DUAL underwriting platform. In this almost breathless podcast Tom is hugely energised at the prospect of having all the tools at his disposal to remove the main roadblocks in start-up insurance business's paths. This is a lively chat with a real expert in innovation and a master of herding the cats of the market behind a common vision. It's also an episode that I hope will give you a lot of inspiration and make you feel that the London-based insurance ecosystem is in rude good health and highly likely to be the crucible in which many of the insurance products of the future are going to be forged. NOTES: I mentioned I would link to Tom's first podcast with The Voice of Insurance. Episode 124 is here: https://thevoiceofinsurance.podbean.com/e/ep-124-tom-hoad-innovation-is-really-about-doing-stuff/ I also mentioned an episode earlier in the year with DUAL: https://thevoiceofinsurance.podbean.com/e/ep163-richard-clapham-luis-munoz-rojas-of-dual-group-get-the-ham-not-just-the-bone/ Tom mentions a Julia at Airmic. Airmic is the UK's Risk Management trade body and Julia is Julia Graham, its CEO. LINKS We thank our naming sponsor AdvantageGo: https://www.advantagego.com/

Join Sabrina as she speaks with Nir Kossovsky, CEO of Steel City RE and reputational risk management expert, as they discuss reputational risk management approaches for the third sector. Relevant links:Time Stamp, Topic, URL 08:30 Prediction: Resilience Monitor https://steelcityre.com/predict-reputation-risk/ 10:11 2022 Νobel Prize in Economics – Key research paper on bank runs https://www.journals.uchicago.edu/doi/abs/10.1086/261155 11:35 Video showing what a surge in reputation risk looks like https://steelcityre.com/wp-content/uploads/2023/08/Resilience-Monitor-Part-1.mp4 24:47 Greenspan quote on trust https://www.globalbankingandfinance.com/risk-management-frameworks-cant-handle-the-truth-about-reputation-risk/ 25:05 Rolls Royce Case Study https://www.iam-media.com/article/rolls-royce-avoids-reputation-storm 26:45 The big 6 https://www.insurancebusinessmag.com/us/opinion/reputation-resilience-110342.aspx 30:00 Value created by risk management disclosure https://www.prweb.com/releases/reputation-and-esg-insurance-provide-strategic-defenses-and-coverage-to-mitigate-impacts-of-shareholder-derivative-litigation-steel-city-re-819447962.html 31:47 Amelia Earhart quote https://www.pinterest.com/pin/319685273554805712/ 38:06 Intelligence gathering best practices https://steelcityre.com/wp-content/uploads/2023/10/Article-directorship_2023_q4fall_digital-web.pdf 39:35 Mission: Intangible https://steelcityre.com/2010/02/24/missionintangible/ 39:57 Reputation, Stock Price, and You https://steelcityre.com/2012/11/01/reputation-stock-price-and-you/ 40:30 Publications, mentions and newsworthy articles by topic https://steelcityre.com/news-and-commentary/topics/

Bulelani Mxwera is studying for a Bachelor of Commerce in Economic Sciences with Economics and Risk Management at the Northwest University and he joins John to explain why he believes that his first vote counts.See omnystudio.com/listener for privacy information.

No episódio desta semana, Ricardo destaca os perigos de emitir opiniões sem conhecimento aprofundado, especialmente em assuntos complexos. Ricardo menciona a necessidade de um "lugar de fala", criticando a disseminação de opiniões infundadas nas redes sociais. Ele compartilha sua experiência em conflitos como Israel e Gaza, enfatizando que a compreensão profunda é crucial antes de opinar. O alerta se estende à gestão de projetos, incentivando decisões conscientes. Ricardo destaca a importância de reconhecer limitações e dar opiniões apenas em áreas de conhecimento. O objetivo é promover uma abordagem fundamentada, evitando a propagação de informações sem embasamento. Escute o podcast para saber mais.

To quote the titular lyrics of the song popularized by Frank Sinatra for his very first No. 1 hit, “it was a very good year.”The U.S. Department of Justice (DOJ) announced that more than $2 billion in False Claims Act settlements and judgments were reported in the 2023 fiscal year.According to the DOJ, government and whistleblowers were “party to 351 settlements and judgments,” the second-highest number ever recorded in a single year.Providing a roundup of those settlements and judgments during the next live edition of Monitor Mondays will be famed whistleblower attorney Mary Inman, a popular and respected correspondent.Of note, more than $1.7 billion of that 2 billion were matters pertaining to the healthcare industry.What can you do to protect yourself and your facility from the possibility of violating the False Claims Act? Listen to the next live edition of Monitor Mondays to find out.Other broadcast segments will also include these instantly recognizable features:• Monday Rounds: Dr. Ronald Hirsch, vice president of R1 RCM, will make his Monday Rounds.• The RAC Report: Healthcare attorney Knicole Emanuel will report the latest news about auditors.• Risky Business: Healthcare attorney David Glaser, shareholder in the law offices of Fredrikson & Byron, will join the broadcast with his trademark segment.• Legislative Update: Cate Brantley, state legislative analyst for Zelis, will report on the latest legislative actions impacting the healthcare regulatory setting.

In this episode, Ricardo highlights the danger of uninformed opinions, especially in the era of influencers. Ricardo emphasizes the need for a "place of speech" where individuals speak from a position of knowledge. Drawing from personal experiences in conflict zones, he urges caution in expressing opinions without a solid understanding of the subject. This warning extends to project management, advocating for informed decisions and discouraging the misuse of influence for unsupported viewpoints. The overarching message is to seek reliable information, exercise caution in expressing opinions, and be ethical in leadership roles. Listen to the podcast to learn more.

Guest: Malcolm Harkins, Chief Security & Trust Officer at HiddenLayer [@hiddenlayersec]On Linkedin | https://www.linkedin.com/in/malcolmharkins/On Twitter | https://twitter.com/ProtectToEnable____________________________Host: Sean Martin, Co-Founder at ITSPmagazine [@ITSPmagazine] and Host of Redefining CyberSecurity Podcast [@RedefiningCyber]On ITSPmagazine | https://www.itspmagazine.com/itspmagazine-podcast-radio-hosts/sean-martin____________________________This Episode's SponsorsImperva | https://itspm.ag/imperva277117988Pentera | https://itspm.ag/penteri67a___________________________Episode NotesIn this episode of Redefining CyberSecurity, host Sean Martin engages in a thought-provoking conversation with guest Malcolm Harkins about the challenges and failures of the CISO role. They discuss the importance of setting clear design goals and standards to determine success or failure. The conversation delves into risk management and the complexities of goal-setting, highlighting the role of integrity in the CISO's decision-making process.They explore the gray areas and potential conflicts that arise when balancing risk perspectives within an organization. Sean also touches on the idea of having multiple specialized CISOs and the inflation of job titles in the industry. They examine where breakdowns occur and whether they stem from lack of clear design or succumbing to company pressure or vendor hype.The episode also take a turn to exploration the CISO's role in ensuring the cybersecurity integrity of a company, drawing parallels to the roles of general counsel and CFO in maintaining legal and financial integrity.Throughout the conversation, Sean and Malcolm provide insights and anecdotes from their own experiences, offering valuable perspectives on redefining the CISO role and addressing the challenges faced in the cybersecurity industry. The discussion encourages listeners to consider the ethical implications of their decision-making and the importance of designing control environments that prioritize true protection over profiting from insecurity.If you're interested in gaining a deeper understanding of the complexities and failures of the CISO role, as well as exploring the gray areas and conflicts that arise in risk management, this episode is a must-listen.____________________________Watch this and other videos on ITSPmagazine's YouTube ChannelRedefining CyberSecurity Podcast with Sean Martin, CISSP playlist:

In this episode, we dive deep into the world of risk management for creative pros and leaders with seasoned expert K. Scott Griffith, author of "The Leader's Guide to Risk Management." We discuss the importance of understanding risk, how to spot and manage it effectively, and why risk management is essential for leaders. Griffith shares insights on the types of reliability and the importance of focusing on predictive behavior rather than consequential outcomes.Key learnings from the episode:1. Risk is inherent in everything we do, and managing it effectively is essential for success.2. Successful leaders are often risk-takers, but it's important to be smart and calculated in taking risks.3. Understanding the nature of risk and distinguishing between real risk and artificially escalated perception is crucial.4. Focusing on system reliability, human behavior, and organizational culture in that order is vital for effective risk management.5. Building a trusted environment for employees to report risks and working collaboratively to assess and address them can lead to positive behavioral changes and resilience.Get three quick ideas to start your week off right. Subscribe to 3 Things at ToddHenry.com/subscribeMentioned in this episode:Please Support our Sponsors:Indeed: Indeed.com/creative ButcherBox: ButcherBox.com/accidental and use code ACCIDENTAL EarnIn: Download Earnin on the Apple app or Google Play store

Samuel Wilson, Chief Executive Officer at 8x8 (NASDAQ: EGHT) This episode is sponsored by the DealRoom and FirmRoom.  Ready to take your M&A to the next level with software made to manage each stage of the deal process? See how DealRoom can facilitate your next deal at www.dealroom.net  FirmRoom provides 80% cost savings over VDRs that bill by page and delivers a far better user experience to boot. Sign up in under 2 minutes by going to www.firmroom.com. Episode Timestamps 00:00 Intro 07:55 The Role of CFO 11:39 Risk Management 14:39 Integration aspect 15:54 Alignment on assumptions 18:14 Managing people 19:28 Best integration practices 21:25 Working with the CEO 22:52 Walking away from a deal 27:10 Getting involved in the deal 29:50 Tying the Strategy 33:36 Integration Budgeting 39:43 Working with corporate development 40:54 Advice for first time acquirers 44:04 Craziest thing in M&A  

#028 - In this next episode, I was joined by Jim McConnell. You'll recognize his name if you follow topics on LinkedIn, such as supply chain security, infosec, physical security, and many more. Jim brings tremendous experience to us from his 30+ years of leading and supporting broad security initiatives in the telecom space. He also contributes to the Technical Committee and Working group of the Board of Executive Protection Professionals, developing the first-ever ANSI EP standard. (Thank you for your support, Jim!)What I love about Jim is his commitment to learning and educating the communities around him, of course online but also in his community, where he helps faith-based organizations, military and law enforcement transitioning to private security, and so much more.I hope you enjoy this conversation where we touch on every topic, from why you need a resume bucket list to what skills make a security director successful, how security interviewing skills can help you in your career, and so much more!-- Support the podcast and future content creation projects -- Become a member or donate: https://www.buymeacoffee.com/securitystudent -- Get the resources and show notes mentioned in this episode --https://thesecuritystudent.com/shownotes

AI is reaching the point where there is wild speculation, potential regulations, and opinions on if it will destroy humanity. So how does anyone make sense of all of it?SHOW: 770CLOUD NEWS OF THE WEEK - http://bit.ly/cloudcast-cnotwCHECK OUT OUR NEW PODCAST - "CLOUDCAST BASICS"SHOW SPONSORS:Code Comments - An original podcast from Red Hat (Season 2)Adjusting to new technology, from teams that have been through itFind "Breaking Analysis Podcast with Dave Vellante" on Apple, Google and SpotifyKeep up to data with Enterprise Tech with theCUBESHOW NOTES:OpenAI's former top safety researcher says there's a '10 to 20% chance' that the tech will take over with many or most ‘humans dead'The Dawn of the AI Era 2022-2023 (Acquired Podcast)An AI Capitalist PrimerTechno-Optimist Manifesto (a16z)US Gov't Executive Offer on Safe, Secure, Trustworthy AI (Oct 2023)Regulating AI by Executive Order (Steven Sinofsky)The Philanthropy of Silicon Valley“The Trolley Problem”ARE WE UNDER OR OVER REACTING TO THE AI POSSIBILITIES?Oppenheimer said the possibility of destruction was “near zero”OpenAI research said it's 10-20% chance of human destructionWHAT ARE THE OPEN, REGULATIVE AND STRUCTURAL GUARDRAILS OF AIWhat is good or bad with AI?Should societal concerns be considered? By whom?Should environmental concerns be considered? By whom?FEEDBACK?Email: show at the cloudcast dot netTwitter: @thecloudcastnetBuzzcastKeep up to date on the latest podcasting tech & news with the folks at Buzzsprout!Listen on: Apple Podcasts

In this episode, Dr. Peter Kim shares valuable insights on how to conquer fear in the world of finance and business. Discover the stoic mindset, learn effective strategies, and gain the confidence to use fear to your advantage. Are you looking for a community to encourage you as you begin, or want to accelerate your business to the next level? Then join thousands of physicians who share the same journey of creating their ideal lives through multiple streams of income by joining us in our Facebook communities such as Passive Income Docs and Passive Income MD. Thank you to MLG Capital for sponsoring this week's episode… For 35 years, MLG Capital has excelled in intelligent real estate investments and building investor relationships. Their funds prioritize diversification, cash flow, and low leverage, offering a robust hedge against inflation. Ideal for medical professionals and other accredited investors seeking stability amid market volatility. Making smart, relationship-driven investments. Learn more about MLG Capital