Podcasts about Risk management

Financial freedom can feel out of reach when you rely on willpower alone. Without a solid financial structure, daily life can disrupt budgeting, saving, and spending plans, trapping you in cycles of overspending and debt. In the second episode of The Money Reset series presented by Experian, Hala Taha shares simple tools and habits that you can implement today to take control of your finances. With insights from experts like James Clear, Jade Warshaw, and Morgan Housel, you'll learn how to build sustainable financial systems that help you create long-term wealth, even when life gets chaotic. In this episode, Hala will discuss: (00:00) Introduction (01:45) Why Financial Habits Beat Willpower Every Time (05:40) Systems vs Goals in Personal Finance (07:25) Loud Budgeting and Money Boundaries (11:18) Tiffany Aliche's Baby Budget Account System (14:46) Designing Friction to Kill Bad Spending Habits (17:19) Ramit Sethi's Conscious Spending Plan  (19:09) Frugality as a Wealth-Building Strategy Experian is a global data and technology company that collects and analyzes financial data to help people and businesses understand and manage their finances. Through tools like subscription cancellation and bill negotiation, Experian scans linked accounts for recurring charges, helps cancel unused subscriptions, and works to find better rates on eligible bills. They help put money back in your pocket. Get started with the Experian App today. See experian.com for details. Sponsored By: Experian: Put money back in your pocket by canceling unwanted subscriptions and lowering eligible recurring bills. Get started with the Experian App. See experian.com for details. Resources Mentioned: YAP E265 with James Clear: youngandprofiting.co/4j4khkC  YAP E266 with Morgan Housel: youngandprofiting.co/4147SpO  YAP E380 with Jade Warshaw: youngandprofiting.co/JWE380  YAP E259 with Tiffany Aliche: youngandprofiting.co/TAE259  YAP E220 with Ramit Sethi: youngandprofiting.co/E220   YAP E367 with Scott Trench: youngandprofiting.co/STE367  The Money Reset Series E1: youngandprofiting.co/TMRSEP1  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Disclaimer: This episode is a paid partnership with Experian. Sponsored content helps support  our podcast and continue bringing valuable insights to our audience. Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Stock Market, Scalability, Investment, Risk Management, Financial Planning, Business Coaching, Finance Podcast

In this episode of Risk! Engineers Talk Governance, due diligence engineers Richard Robinson and Gaye Francis how AI in Risk Management?Richard begins with a deep-dive into how large language models work, and where they fall short. He explains why AI systems are sophisticated inference engines rather than true reasoning machines, and why that distinction matters enormously for high-stakes decision-making and risk management.The conversation covers the parallels between AI and Monte Carlo simulation (great for likely scenarios, unreliable for rare critical events), the growing wave of fabricated legal citations produced by AI tools, and why the common law system itself mirrors how large language models operate.Gaye and Richard then bring the discussion back to governance and what does responsible AI use look like for boards and organisations? Who carries liability when a decision is based on AI output? And how do you ensure the sources AI cites are actually real?They conclude by agreeing that AI is a powerful tool for gathering information faster than ever before, but it demands that essential second layer of human thought, verification, and documented decision-making. They reiterate that thinking, and SFAIRP, is hard. If you'd like us to cover a specific topic or have any feedback we'd love to hear from you. Email admin@r2a.com.au.For further information on Richard and Gaye's consulting work with R2A, head to https://www.r2a.com.au, where you'll also find their booklets (store) and a sign-up for their quarterly newsletter to keep informed of their latest news and events. Gaye is also founder of Australian women's safety workwear company Apto PPE https://www.aptoppe.com.au.

Most investors believe diversification protects them from risk. It does not. Richard Rosso breaks down what diversification actually does, what it does not do, and why confusing it with risk management can quietly damage your portfolio over time. We also tackle one of the most overlooked questions in retirement planning: do you actually need long-term care insurance? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:38 - Market Gyrations & Diversifications 3:22 - Diversification of Assets AND Accounts 7:28 - The Past as a Pacifier 9:35 - What's Free on Wall Street? 13:01 - Diversification is NOT Risk Management 16:34 - Why is "Diversification" Sold as it is? 18:10 - Redefining Diversification 24:31 - The Lunchroom Effect in Mutual Funds 33:16 - Long Term Care - Some People Don't Need It 36:39 - Richard's Search in Cemeteries 37:41 - Long Term Care Planning Around Alzheimer's 40:08 - Who Needs LTC Insurance? 44:35 - Who Doesn't Need LTC Insurance? 48:00 - But If You Really Want LTC Insurance ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/9m5uCWh7hWw ------- Watch our previous show, "Passive Aggressive Market: Bogle's Warning Came True," here: https://youtube.com/live/jbpipFjnakQ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PersonalFinance #RetirementPlanning #InvestingStrategy #LongTermCareInsurance #PortfolioManagement

Most investors believe diversification protects them from risk. It does not. Richard Rosso breaks down what diversification actually does, what it does not do, and why confusing it with risk management can quietly damage your portfolio over time. We also tackle one of the most overlooked questions in retirement planning: do you actually need long-term care insurance? Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:38 - Market Gyrations & Diversifications 3:22 - Diversification of Assets AND Accounts 7:28 - The Past as a Pacifier 9:35 - What's Free on Wall Street? 13:01 - Diversification is NOT Risk Management 16:34 - Why is "Diversification" Sold as it is? 18:10 - Redefining Diversification 24:31 - The Lunchroom Effect in Mutual Funds 33:16 - Long Term Care - Some People Don't Need It 36:39 - Richard's Search in Cemeteries 37:41 - Long Term Care Planning Around Alzheimer's 40:08 - Who Needs LTC Insurance? 44:35 - Who Doesn't Need LTC Insurance? 48:00 - But If You Really Want LTC Insurance ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/9m5uCWh7hWw ------- Watch our previous show, "Passive Aggressive Market: Bogle's Warning Came True," here: https://youtube.com/live/jbpipFjnakQ -------- The latest installment of our new feature, Before the Bell, "Markets Reclaim 100-DMA," is here: https://youtu.be/MntZ-KayzxA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PersonalFinance #RetirementPlanning #InvestingStrategy #LongTermCareInsurance #PortfolioManagement

Take a run with The Human Potential Running Series podcast. Episode 79 is Part 2 of a 3 part series on The State of Ultrarunning. In this part, John and guests Gordon Harvey, Mike Gamp, and Megan Storms tackle the increasingly complex world of land management, legal liability, and the "tragedy of the commons" currently facing ultrarunning. John pulls back the curtain on how some race directors are operating in "gray areas" to bypass permit restrictions—and how these short-sighted decisions are triggering a massive ripple effect that threatens access for everyone, from running stores to collegiate teams. Topics in Part 2: The Permitting Crisis: How a few "at all costs" race directors are causing the U.S. Forest Service to reconsider rules for every trail user. The Liability Myth: Why recent court rulings in Colorado have made your race waiver "meaningless" and what that means for the future of entry fees. Search & Rescue Realities: The sobering truth about how long it actually takes for help to arrive when things go wrong in the backcountry. Gatekeeping vs. Safety: Should hard races have stricter qualifiers? A look at the "couch-to-100-miler" trend and the rise of the "unprepared runner." The In-Crowd & The Oligarchy: A candid look at the power dynamics of the "Five Families" of ultrarunning and why the sport needs more "rabble-rousers." This is the second of a three-part series. Stay tuned for Part 3, where John delivers his official "State of the Sport Address."

In this episode of Fraud in the Office, Matthew and Mark break down the alleged multibillion-dollar fraud involving First Brands founder Patrick James and his brother Edward James, dubbed the “Fraud Bros.” Prosecutors claim the executives used fake invoices, double- and triple-pledged collateral, off-balance-sheet financing, and manipulated financial statements to obtain billions from lenders before the company ultimately collapsed into bankruptcy.The hosts unpack how aggressive growth strategies, weak internal controls, and governance failures can turn financial engineering into outright fraud. Along the way, they explore the warning signs lenders and auditors often miss and discuss practical lessons organizations can use to strengthen controls, improve oversight, and reduce the risk of large-scale corporate fraud.Support the showFind us on all streaming platforms! Check out our sponsor 1Trooper on LinkedIn @1Trooper And don't forget to subscribe!

In this episode of Corporate Finance Explained on FinPod, we break down one of the most dramatic and misunderstood areas of corporate strategy: mergers and acquisitions (M&A).Every quarter, headlines celebrate billion-dollar deals as bold strategic wins. CEOs shake hands, stock tickers flash, and press releases promise “transformational synergies.” But beneath the hype lies a far less glamorous reality. Depending on the study, 70–90% of mergers fail to deliver the value they promised.So why do companies keep doing them?In this episode, we unpack the real mechanics behind M&A: the motivations that drive companies to acquire competitors, the financial models used to justify deals, and the hidden risks that often derail integration. From synergies and valuation discipline to culture clashes and operational complexity, we walk through how finance teams evaluate whether a deal creates value or quietly destroys it.We also explore real-world case studies that show both sides of the story. The Disney–Pixar acquisition demonstrates how strategic fit and cultural protection can unlock massive long-term value. Facebook's acquisition of Instagram highlights how identifying network effects early can turn a $1B purchase into one of the most successful deals in tech history. On the other side, we examine the failures of AOL–Time Warner and Sprint–Nextel, where culture conflicts, technology incompatibility, and flawed assumptions erased billions in shareholder value.Along the way, we explain the critical role of finance teams in the M&A process. From stress-testing revenue projections and modeling downside scenarios to evaluating cash vs stock financing and tracking synergy realization after the deal closes, corporate finance professionals are often the last line of defense between disciplined strategy and expensive mistakes.If you work in corporate finance, FP&A, investment banking, or strategy, this episode provides a clear framework for analyzing any merger announcement you see in the news. The key questions aren't about the press release headlines. They're about strategic fit, cultural alignment, integration feasibility, and price discipline.Because in M&A, the biggest skill isn't just knowing when to buy. Sometimes it's knowing when to walk away.

In this hour of Follow The Money, Mitch Moss and Pauly Howard are joined by Jeff Sherman, Westgate VP of Risk Management, to talk about the Arnold Palmer Invitational and NBA Awards futures. Also, the hosts are joined by Mike Palm, VP of Circa Resort and Casino, to talk about a celebrity having to lose gambling for a casino to name a street after them. Plus, Sports Network Founder Doug Kezirian joins the show to talk about college basketball. Get instant access to expert picks, public betting splits data, and pro betting tools when you join VSiN Pro. Grab your first month for only $9.99 or take 17% off an annual subscription when you use promo code: POD26. Click here to get started. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On his 14th Ask Me Anything episode, Jesse tackles a set of listener questions that expose the messy, real-world edges of financial planning—where tax rules, behavioral tendencies, and long-term strategy collide. He begins by unpacking a nuanced withdrawal-order debate, explaining why the "optimal" sequence between taxable, tax-deferred, and Roth accounts depends less on rigid rules and more on tax brackets, future income expectations, and optionality over time. From there, he walks through a detailed case involving concentrated stock risk and diversification timing, illustrating how capital gains, risk tolerance, and psychological comfort all factor into decisions that can't be reduced to a single formula. Jesse also addresses the role of Roth conversions in managing lifetime tax liability, carefully outlining when accelerating taxes makes sense—and when it's simply complexity masquerading as strategy. Throughout the episode, he reinforces a consistent theme: financial planning is about managing tradeoffs under uncertainty, not chasing theoretical perfection. By blending technical tax insight with behavioral realism, Jesse shows listeners how to think clearly about multi-year tax strategy, investment risk, and withdrawal flexibility—so decisions today improve both mathematical outcomes and peace of mind tomorrow. Key Takeaways: • Roth conversions are powerful but situational. They're best used in a "Goldilocks" situation—when the time is just right! • Many financial decisions require balancing math and psychology. Risk tolerance is both emotional and financial. • Tax brackets create planning opportunities across time. Lifetime tax arbitrage is central to retirement planning. • Multi-year projections reveal better strategies than single-year snapshots. • Diversification is risk management, not just performance enhancement. • Market predictions should all end with "but, I don't know." Key Timestamps: (01:57) – How Do Dividends Work? (08:52) – Individual Bonds vs. Bond Funds? (18:39) – Is Tax Planning Just a Way for the Rich to Not Pay Their Fair Share? (23:09) – Is an "Opportunity Fund" a Bad Idea? (27:18) – Is Tax-Loss Harvesting a Real Strategy? (32:04) – Should Financial Planners Be Setting Goals and Priorities for Clients? (34:59) – Should You Even Hire a Financial Advisor? (36:19) – Are Roth Conversions Oversold? (41:55) – Why Would You Hire an AUM Advisor? (48:29) – Isn't Rebalancing Just Selling the Good and Buying the Bad? (50:50) – Why Would We Listen to Market Commentary? Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/bonds-vs-bond-funds/ Episode 81: https://open.spotify.com/episode/0JVTRYN8HBrgTI4EhVZglk?si=8183fd564b3b4b56 Episode 124: https://open.spotify.com/episode/5ymIVeacL6et7sBTznzBxw?si=ff4b505ac9dc4149 Episode 127: https://open.spotify.com/episode/2HKGOmdOjWoUPrEkDYz7L4?si=8596295fa38541f8  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

⬥EPISODE NOTES⬥ What happens when a cybersecurity professional knows exactly what's wrong but can't get anyone to act on it? It's a problem that affects security teams across every industry, and it's the central question driving Josh Mason's new book, Speaks Security with a Business Accent. In this conversation, Josh Mason joins Sean Martin to unpack why technical accuracy alone doesn't move the needle and what it takes to communicate security in terms the business actually understands. Josh Mason brings a perspective shaped by years as an Air Force pilot and cyber warfare officer, where mission-first thinking wasn't optional, it was survival. As a safety officer, he studied aircraft mishaps, analyzed black box recordings, and learned that risk awareness doesn't mean risk paralysis. The same philosophy, he argues, applies to cybersecurity: teams can acknowledge risk without letting fear of failure prevent them from supporting the mission. Drawing from books like Dale Carnegie's How to Win Friends and Influence People, The Phoenix Project, and The Goal, Josh Mason structured his own book as a narrative, telling the story of a CIO who transforms a disconnected security team into one that communicates effectively with colleagues, leadership, the board, and eventually beyond the organization. A recurring theme in this conversation is the danger of perfection as the enemy of progress. Josh Mason uses the Iron Man analogy of building an imperfect prototype, flying it, learning from the failure, and iterating, to argue that security teams need to embrace a similar mindset. DevOps teams have already adopted this approach, and security can learn from it. Inaction for perfection's sake, he warns, isn't going to get anyone anywhere. The conversation also examines whether the cybersecurity industry does enough to learn from its own incidents. Unlike aviation, where the FAA and NTSB mandate rigorous post-incident analysis, cybersecurity lacks a centralized authority enforcing that same discipline. Organizations like MITRE, Verizon, and Mandiant publish valuable trend reports, and the data is there for those willing to use it, but it ultimately comes down to individual responsibility and leadership within each organization. For anyone who has ever felt technically right but strategically sidelined, this conversation offers a practical lens on bridging the gap between what security teams know and what the business needs to hear. ⬥GUEST⬥ Josh Mason, Author of Speaks Security with a Business Accent | Air Force Veteran, Cybersecurity Professional, and Founder of Noob Village | Website: https://www.mason-sc.com | On LinkedIn: https://www.linkedin.com/in/joshuacmason/ ⬥HOST⬥ Sean Martin, Co-Founder at ITSPmagazine, Studio C60, and Host of Redefining CyberSecurity Podcast & Music Evolves Podcast | Website: https://www.seanmartin.com/ ⬥RESOURCES⬥ Speaks Security with a Business Accent by Josh Mason | https://www.mason-sc.com The Future of Cybersecurity Newsletter | https://www.linkedin.com/newsletters/7108625890296614912/ More Redefining CyberSecurity Podcast episodes | https://www.seanmartin.com/redefining-cybersecurity-podcast Redefining CyberSecurity Podcast on YouTube | https://www.youtube.com/playlist?list=PLnYu0psdcllS9aVGdiakVss9u7xgYDKYq ⬥ADDITIONAL INFORMATION⬥ ✨ More Redefining CyberSecurity Podcast:

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews Sanjay Hegde, founder of Blue Ring Investors. Sanjay shares his journey from a corporate career to multifamily and self-storage investments, emphasizing the importance of teamwork, investor transparency, and understanding market dynamics. He discusses the challenges faced in real estate, the significance of due diligence, and offers advice for new investors. The conversation also touches on current market conditions and how to navigate them effectively.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Send a textIn a field where the well-being and developmental growth of our youngest children is at stake, it's essential that standards, policies, and regulations are upheld with diligence and integrity. DECAL's Audits and Compliance Team serves as the guardians of quality, ensuring that early childhood programs across Georgia meet state requirements, maintain financial transparency, and provide safe, nurturing environments for children and their families. Joining us to talk about Audits & Compliance at DECAL is Ben Appling, Director of Audits & Compliance, LeighAnn Hendrix is CAPS Compliance Manager, and Aleisha Golden is Senior Manager of Risk Management and Program Integrity. Support the show

Tight margins and wild market swings are back in the driver's seat—and producers are feeling it. Recorded at the Central Oklahoma Cattle Conference in Stillwater, Episode 508 features Clay Burtrum (Farm Data Services) walking through why insurance matters even when you hope you never use it. The crew digs into Livestock Risk Protection (LRP) basics, how price protection actually works, and what producers often misunderstand when they start using these tools. On the crop side, Clay outlines the deadlines and decisions that can make or break your coverage—plus how to think about programs like PRF (Pasture, Rangeland, Forage), annual forage, and stacking options without getting lost in the fine print. Bottom line: in a $4 wheat world with 2026 input costs, staying “bankable” means planning ahead and knowing what you bought. Top 10 takeaways Insurance is about staying bankable, not just getting a payout. LRP is price protection, not mortality/disaster coverage—know what it does. Documentation matters (example: “unborn” coverage needs validation like preg-check/bred purchase records). Stocker operators often treat LRP as all-or-nothing because margin risk is concentrated. Cow-calf operations can sometimes phase coverage, spreading risk across calf crop timing. Crop insurance complexity is real—stackable options exist, but basics come first in tight years. Deadlines drive everything (in this area, March 15 is a big one; waiting too long is a common pitfall). $4 wheat changes decisions—coverage, hail policies, and whether you even harvest vs graze-out. PRF is “rainfall interval” insurance—pick when you need rain and spread risk; it won't cover every scenario (like quality loss from too much rain). Know your cost of production—break-even won't keep you in business; cash flow clarity is survival.   Detailed timestamped rundown 00:00–01:46 Dave tees up the episode: why insurance matters, recorded at Central Oklahoma Cattle Conference (Stillwater).01:46–02:57 Clay Burtrum intro: Farm Data Services (Stillwater), management accounting + 25+ years insurance; LRP and crop insurance, plus helping producers see bottom line year-round.03:16–04:45 Big-picture ag economy: grain-only operators squeezed; modern costs with “1970s prices”; crop insurance complexity (stackable programs) and need to keep it basic.04:45–08:43 LRP deep dive: example of insuring a 900-lb steer; why margins need protection; common misunderstandings (full load, unborn coverage requirements, validation); “don't let it burn down” analogy; all-or-nothing for many stocker operators vs partial strategy for cow-calf.08:43–10:27 First-time client conversation: goals, where they want to be, staying bankable; traps include ignoring USDA/FSA programs and missing support.10:27–11:25 Clay as producer: he uses the products himself; emphasizes knowing cost of production and that break-even won't keep you in business.11:26–12:50 Crop insurance pitfalls: calling too late; major dates in the area—March 15 sales closing; July 15 reporting; flow of deadlines through the season.12:50–14:18 $4 wheat vs $7 wheat decisions: changes appetite for added coverage/hail; producer mindset shifts (harvest vs graze-out).14:18–15:38 Dual-purpose wheat and insurance: need to notify agent by March 15/short-rate timing; cannot just “leave cattle out” without process; consider double-crop rules to avoid uninsured crop risk.15:38–17:14 Policy/program landscape: farm bill uncertainty and “rules”; emphasis on working with FSA and not missing deadlines/opportunities.17:14–18:51 Specialty crop/alternative ideas: limited locally; examples like hemp market issues; unusual inquiries (tulips) and regional eligibility realities.18:51–21:45 PRF pasture coverage: sales closing Dec 1; choosing rainfall intervals; premiums and changing rules; spreading risk across intervals; limits (doesn't cover “missed cutting” quality loss).21:45–24:05 Talking to policymakers: how programs hit local bottom lines; input costs for grazing/forage; how rural communities feel downstream impacts; even equipment/emissions issues affect harvest reality.24:05–25:43 Oklahoma risk reality: rapid weather swings; questions like quarantine/screwworm, wildfire loss—what LRP does/doesn't cover; importance of understanding what you actually bought.25:43–27:20 “Bring one program back”: Clay wants simplicity—too many stacked options; focus on basics and bottom-line impact. Wrap + thanks. RedDirtAgronomy.com

In this episode of Corporate Finance Explained on FinPod, we dive into the invisible number that decides whether growth creates value or destroys it: cost of capital.Headlines love expansion, acquisitions, and moonshot investments, but the real line between “big growth story” and “value trap” is the price of money itself. We unpack WACC (weighted average cost of capital), why it acts like a company's strategic “gravity,” and how it becomes the hurdle rate every project must clear. If returns don't beat that hurdle, the business can show accounting profit while quietly eroding shareholder value through negative EVA (economic value added).You'll hear how cost of capital is shaped by debt vs equity, the tax shield on interest, and why cost of equity is a real opportunity cost even if there's no monthly “invoice” for shareholders. We connect the mechanics to the real world with clear case studies: PepsiCo as a blueprint for disciplined capital structure and stable, low WACC that creates strategic flexibility; Microsoft as the fortress balance sheet that can fund long-duration AI bets because the discount rate doesn't crush future cash flows; and AMC as the cautionary tale of what happens when trust breaks, leverage rises, volatility spikes, and the company slips into a capital “death spiral.”We also get practical about how finance teams can mis-model WACC by “nudging” assumptions to approve pet projects, and why markets eventually punish that behavior through lower ROIC and a higher required return. The deeper takeaway is simple but ruthless: cost of capital is a metric of trust. When investors trust your cash flows and strategy, capital gets cheaper and your strategic time horizon expands. When trust disappears, the math tightens, options vanish, and management shifts from playing to win to playing to survive.If you're in FP&A, corporate strategy, valuation, or investing, this episode will change how you evaluate growth. Instead of asking “How fast are they expanding?” you'll start asking the question that actually matters: Are they earning more than their cost of capital?

Innovation occurs across many areas, and compliance professionals need not only to be ready for it but also to embrace it. Join Tom Fox, the Voice of Compliance, as he visits with top innovative minds, thinkers, and creators in the award-winning Innovation in Compliance podcast. In this episode,  host Tom Fox welcomes Evan Sampson, a noted health care compliance attorney. Sampson traces his path from commercial litigation to representing healthcare practices on HIPAA/privacy and reimbursement matters, then moving in-house at a network of plastic surgery centers, where he managed compliance focused on fraud, waste, and abuse, and on evolving out-of-network billing rules leading into the No Surprises Act. Sampson explains how compliance programs can create business value beyond risk mitigation by uncovering inefficiencies and opportunities, such as identifying downcoding in medical billing and using complaint investigations to spot growth areas. He describes how his litigation background helps him anticipate how issues will unfold over time in investigations and litigation, thereby improving his credibility with business leaders. They discuss building a culture of compliance in fast-growing healthcare organizations, tracking regulatory changes across primary and secondary sources, and leveraging AI and data analytics to detect claim outliers and strengthen compliance. Key highlights: Healthcare Compliance Shift Fraud, Waste, and Abuse Compliance Creates Value Building Compliance Culture Tracking Regulatory Changes AI in Compliance Analytics Resources: Evan Sampson on LinkedIn Post & Schell Innovation in Compliance was recently honored as the Number 4 podcast in Risk Management by 1,000,000 Podcasts.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Randy Nornes, the 2025 Harry and Dorothy Goodell Award Winner, about his career. They talk about uncertainty and a long-term approach to risk. Randy won the 2025 Goodell Award for his lifetime achievements. He is a problem solver. Randy advises risk professionals not to focus on what they did yesterday, but on what is happening today, and to stay current with risks such as AI and cyber risk. Randy talks about how staying with Aon for years has given him the latitude to look across the company and focus on the next risk. Listen for tips on laying the groundwork before the risks.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is 2025 Goodell Award Winner Randy Nornes. We will learn all about his fascinating career and his risk philosophies. But first… [:42] RIMS Virtual Workshops. On March 10th and 11th, we have a two-day course led by John Button for the RIMS-CRMP Exam Prep. [:53] On March 17th and 18th, RIMS will align with AFERM for a two-day RIMS-CRMP-FED Exam Prep Course. [1:01] On March 4th and 5th, we have a virtual workshop, "Facilitating Risk-Based Decision Making", with Joe Milan. On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. [1:18] Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:26] Webinars. On March 6th, RIMS presents "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management". We'll be joined by a Chief Risk Officer, an underwriter, and a broker. [1:40] They will explore their career paths, risk and safety philosophies, and lend some insight as to why this is the time for the next generation of leaders to rise. [1:51] For a quick preview, check out last week's episode with Cynthia Garcia. She is the Chief Risk Officer from Bernards, who will be joining us on that exciting panel. [2:00] On March 12th, Global Risk Consultants returns with "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes". Register for these and other webinars by visiting RIMS.org/webinars and the links in this episode's show notes. [2:20] On with the Show! Our guest today, Randy Nornes, is the 2025 Harry and Dorothy Goodel Award Winner. [2:29] Named after the first President of RIMS and his wife, the Harry and Dorothy Goodell Award honors an individual who has furthered the goals of risk management and the Society through outstanding service and lifetime achievement. [2:41] Randy Nornes exemplifies all that and more. He has been with Aon for 38-plus years. Currently, Randy is the Executive Vice President and Enterprise Client Partner for Technology, Media, and the Communications Industry. He has done some volunteer work, which we will talk about. [3:00] Randy has a fascinating career. We're going to learn about it as well as his leadership style, his risk philosophy, and how he is keeping Aon at the forefront of AI innovation. [3:09] [If you've been to RISKWORLD, you've seen Randy in the halls and the educational sessions. He has been an ever-present force there. And he is a highly-regarded member of the Chicago RIMS Chapter. Let's get to it! [3:23] Interview! 2025 Goodel Award Winner, Randy Nornes, welcome to RIMScast! [3:44] Randy is proud of that award. He wonders, after receiving a lifetime achievement award, what's next? Retirement? Should he write a book? [4:11] On the day of the award, Randy was backstage with Martha Stewart and had a chance to visit with her and discuss risk management. [4:21] Randy's wife and one of his sons were in the audience. When Martha Stewart came out and spoke, she referred to their conversation. Randy gained credibility at home that Martha Stewart listened to what he had to say! [4:52] Justin says that RISKWORLD 2025 was fantastic! Randy says he has probably attended three dozen RISKWORLD conferences. He says they get better and are different every time. You can see, decade by decade, what's important. [5:31] There is a wonderful profile on Randy Nornes, written by Russ Banham, in the special Awards edition of RIMS Risk Management Magazine. It is still available online. That's how Justin got to know Randy Nornes before this interview. [5:57] Randy always tries to link up with what the next big thing is. Since late 2025, Randy has been leading Aon's AI infrastructure efforts, from the financing of data centers, to the construction, to the development, to the operation, and to the energy attached to that.  [6:28] AI is the next big thing. Randy says that 40% of GDP is coming through the lens of building AI infrastructure. Aon has a big team for it, and that's what Randy does every day. He says it's massive, exciting, and relentless. [7:03] Randy says, Because it's coming so fast and furious, it's not something you have time to sit back and think about. He says we're seeing this thing evolve week by week. It's global. Risk management is at the center of making it all work. [7:27] Randy says there's a different lens depending on where you sit in the AI infrastructure world. Everyone is thinking about the risks of the construction, the operation, the access to power, and the climate. It's all melded into one thing. [7:48] Randy calls the Chicago RIMS Chapter big and vibrant. Chicago is unique in having representation from so many different industries. It's not highly concentrated. People have a lot of lenses to look at risks through. It makes for good conversations. [8:11] Justin notes that last year's Risk Manager of the Year, Jennifer Pack, was from Chicago. The Rising Star, Megan Smalter, was originally from Chicago. Randy has spent time on the West and East Coasts, and he finds the Chicago Chapter unique, with 25 different industries. [8:49] Justin gives a shout-out to Julie Bean, the 2024 Heart of RIMS Award Winner. Justin says Randy is in great company. The talent coming out of Chicago brings something special to RIMS. [9:27] Randy was going to be a banker. A banker manages risk around lending and projects. It's not a huge leap to get to the world of risk management from there. [9:44] In the 1980s, it was a turbulent time for banking. We had just come out of a tough inflationary period, with real estate bankruptcies and banks and savings and loans going under. His advisor told him not to go into banking. [10:18] Randy interviewed someone from Chubb. Chubb was scaling up a new product, Directors' and Officers' insurance. Randy was good at case studies in business school. Underwriting D&O insurance is a case study. Randy thought he could do that job. [10:54] Randy started at Chubb and ended where he is today. In 1987, Randy moved to Frank B. Hall, acquired by Aon in 1992. He was young and a good worker, so he was kept by the company. He says it was a trip working alongside Pat Ryan and learning the business at Chubb. [11:48] Pat Ryan took Randy and others under his wing. He is a great mentor. Randy credits him for access. Randy mentions other early supporters, Al Diamond and Skip Dunn. With Pat Ryan, Randy was always looking for the next big risk to come along or a new framework. [13:00] In the 1990s, governance, Sarbanes-Oxley, and enterprise risk frameworks came to the forefront, following bankruptcies of major companies that had appeared to be successful. [13:28] When enterprise risk became a thing, it needed frameworks. That led Randy to build one of the first enterprise-risk-focused teams to help companies think about it. This was before COSO. [13:55] Randy says a lot of the clients they dealt with in those early days were in industries where someone had already gone through some trauma, and they wanted to make sure they weren't next up. It was a lot of, "Hurry up and make sure we're OK!" [14:26] Randy says, in the 1990s, they were doing risk modeling. The reinsurance teams had risk models that ran on AS400 mainframe computers. They had to book computing time to run a scenario with a set of assumptions. They would run 10,000 simulations in a day. [14:55] If they wanted to change the assumptions, they had to book another time. [15:02] Now it's all on the laptop. The quality of data is significantly higher. They can do it in real time. Risk managers today may not recognize how lucky they are. [15:24] Randy says, We're always trying to decide what problem we're trying to solve for and what we know about that particular issue. The modeling is the entry point to know what to do or what matters. [16:10] Randy thinks risk is a terrible word. We risk professionals have a hard time communicating with people who aren't in our space when we use the word risk. Everyone has a different definition of risk. Randy says everyone can get on board with certainty and uncertainty. [16:34] Randy says, what we're doing with modeling is trying to understand what the distance between certainty and uncertainty looks like. Then, we have to decide what's comfortable and where our tolerance is. Then, decide what to do with the part that we want to get rid of. [16:48] That's at the core of risk management, and it hasn't changed in decades. The tools we have now have changed dramatically. [16:56] Justin cites Christy Kaufman from the profile article, who said that Randy is far more than a traditional broker; he is a thought partner and a problem-solver. Justin asks what allows Randy to move beyond transactional work into a strategic advisory mindset. [17:19] Randy says insurance is a complete waste of money, unless you can show how you're adding value. You can get there by showing this uncertainty spectrum and understanding it. [17:58] Randy says the mindset is, "I've parachuted in. What do we have going on?" If I did that today, I'd be looking at supply chain issues. It's amazing when you have that lens. Early on, he looked at a supply chain that was "perfect, end-to-end" on spreadsheets. [18:27] Everything was manually entered. Managers were judged on average inventory levels, and wanted to keep the levels as low as possible. To game the system, they ran inventory at the lowest level.  [18:57] They would raise the inventory at the end of the month to make it look like they were on target. It was not a real-time inventory. It looked like risk management was fine, but the chance of a stockout or a long-term impact was pretty great. [19:24] A Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals across the globe. It's time to Connect, Cultivate, and Collaborate with them. [19:43] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges will be available starting on March 3rd. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [20:02] Save the dates March 18th and 19th, 2026, for the RIMS Legislative Summit, which will be held in Washington, D.C.! Join us in Washington, D.C. for two days of Congressional meetings, networking, and advocating on behalf of the risk management community. [20:19] Visit RIMS.org/advocacy for more information and to register. Also, check out the prior episode of RIMScast, Episode 378, featuring RIMS General Counsel and Vice President of External Affairs, Mark Prysock, as we discuss the top priorities for RIMS in 2026 and beyond. [20:39] The Second Annual RIMS Texas Regional Conference will be held in San Antonio from August 10th through August 12th. [20:46] The call for submissions for educational sessions is open through March 18th. Check out the link in this episode's show notes and make a pitch! Hopefully, you get selected, and we'll see you in San Antonio! [20:59] Let's Return to Our Interview with 2025 Goodel Award Winner, Randy Nornes! [21:19] Justin asks how Randy delivers good or bad news to a high-level executive. Randy says he was gifted by his radio announcer father with a very calm demeanor. You're delivering what it is, based on some fact. Randy has had to deliver a lot of crazy facts over the years. [22:29] Early in his career, Randy had a financial institution client. They had some major issues. He was standing outside the boardroom, ready to go in to tell them whether they had insurance or not. They did not. He was on the phone with London, working out some coverage. [23:28] He got the message while he was in there that they had managed to land something for the client, so he could pivot. His colleagues said they couldn't believe how calm he had been, going in. [24:11] Randy says it's best to set the landscape with executives before extra risk is taken, showing alternatives and strategy, so if something happens, it was foreseen, you were just unlucky in that year. [24:53] If you hadn't done the front-end work and gotten everybody onboard to see why it was the right strategy, then the news of unanticipated issues gets a lot harder to deliver. [25:04] There's a lot of front-end work to do. To drop bad news on people without any prep is going to be a lot harder. Being transparent and on the same page, especially with finance people, makes communication easy. This flows up to the CFO and higher. Set the foundation. [25:51] Randy has 100s of people focused on data centers. They have analysts and use AI for some things. There are people from the financial institution vertical, construction, operations, cyber, AI, energy, and renewal. They gather together. It's multidisciplinary, under one umbrella. [27:05] Randy says his leadership style is collaborative. He tries to lift the whole team, orchestrating how it comes together. He lets them have the success they deserve. Randy is a strong proponent of mentorship. It's the secret to his success. [27:50] Randy has worked with some people for his entire career, as clients, colleagues, or competitors, and he stays connected with them. Hundreds of people fit that profile. [28:17] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period will open on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [28:43] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [28:57] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [29:10] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [29:18] Let's Conclude Our Interview with 2025 Goodel Award Winner, Randy Nornes. [29:39] Randy worked with Pat Ryan to lead the Risk Management and Financial Guarantee Team for Chicago's 2016 Summer Olympic bid. Randy says when Pat retired as CEO of Aon, he took on this project to head Chicago's Olympic bid. He invited Randy to the project. [30:19] In an Olympic Bid, the city has to sign a Host City Agreement that says they will take on the risks of delivering the Games. There's an effective financial guarantee. Globally, it is often done on a country level. That's not how it operates in the U.S. [30:43] Pat and Randy had to figure out how to de-risk the games so that what the city's guarantee would look like was limited because the team had built insurance and risk management. On the construction side, they had contractors take on risks. [31:03] They created a de-risking model. It was the first time anyone had done that for an Olympic Games. Chicago was not successful, but the work the team did on de-risking the Games became the model that a lot of Western cities took on for their Olympic bids. [32:03] Randy says you start with a line-item budget that the bid team puts out. A big part of it is the construction of venues, living spaces, technology, including massive broadcast bandwidth, tens of thousands of volunteers to transport and train, and secure. [32:35] Randy says they took the line-item budget and worked on each item separately, to create certainty and shrink the distance between certain and uncertain, so that when they put the umbrella guarantee on top of it, it touched a lot fewer things and had a lot more certainty. [33:01] The biggest thing the umbrella policy covered is delivering the Games on a certain date. No delays. All the costs are front-end. If, for some reason, the Games don't happen: terrorism, global war, or pandemic, you're stuck with all those front-end costs. It's the worst case. [33:39] The closer you get to the event, the more risk you have. Then you have the three or four weeks when you're delivering the Olympic Games and the Paralympic Games. [33:49] Randy says it was interesting. They did a white paper on it, "How to De-risk Games." It was done to encourage cities not to be afraid to host the Games. [34:19] Randy says, over the years, when cities in North America are bidding for Winter or Summer, they reach out, and Pat and Randy give them the template. San Francisco, LA, Boston, and Calgary all asked for it. [34:51] Most of the people on the Bid Committee were on the City level. It was Mayor Daley, his staff, and 50 aldermen. Randy says, We gave them lots of transparency into what we were doing. [35:16] Randy says they provided 1,200 pages of material, in 3-ring binders, for each of the aldermen. They also put all the text on discs to search electronically. Later, an alderman called Randy, angry because he couldn't listen to the disc in his car. Randy explained it to him. [3:24] Randy thinks a city should be thankful to host the Olympic Games. They make the city sparkle. The city gets a big influx of outside money. Chicago would have gotten a lot of Federal money. The transportation system would have been upgraded. It would make the city better. [36:49] Randy describes how London and Paris were improved by hosting the Olympic Games. If you're thinking of bidding, it's worth it. Randy wishes Chicago's bid had been successful. [37:33] Justin and Randy comment on the Milan Winter Olympics Opening and Closing Ceremonies. The next Winter Olympics will be on the French side of the Alps. [38:01] Justin says that Chicago is known for its colorful history of notorious characters. [38:45] Justin asks Randy about Project Six. Project Six came out of the Olympic Bid. Seeing corruption in the city government, Randy and a few committee members put together Project Six, referring to the six business leaders who partnered with Elliot Ness to go after Al Capone. [39:44] They set up Project Six as a nonprofit whistleblower organization so people could come to report corruption. They got hundreds of whistleblower tips. They published things and gave information on criminal activity to Federal prosecutors. [40:07] Some things were not criminal but unethical. When the Chicago Cubs were playing in the World Series, public officials paid face value for Cubs tickets instead of the market price. Project Six brought it to the ethics committee, and they changed that practice for tickets. [41:31] Randy says they did not make a lot of friends in public office. Project Six is closed. [41:47] Randy talks about angering a bunch of people in public office. They went after Project Six because they weren't getting whistleblower tips on Republicans. There might have been one Republican commissioner in Chicago. [42:20] Randy says some of the senior people they ruffled went after donors. So it was a better idea to shut it down. It ran for three and a half years. [42:41] Randy says the biggest frustration was how slow things move. It takes years for some convictions to go through. You would like justice to happen faster. Randy hopes that when high-profile people go to prison, others pause to consider. [43:59] Randy gives his advice on what separates a good risk manager or problem solver from a great one. He says not to get too focused on what you did yesterday. Every day, step back and ask, Am I still doing the right stuff? Am I focused on the right thing? [44:26] You have a fixed amount of money to spend to solve your risk problems. You're insuring your buildings for fire, but over time, you've engineered them to be fire-resistant. There is less risk. At the same time, you have AI, cyber risk, and new things that come in. [44:48] Is it better to direct money to solve cyber risk and take on more risk for property? Don't get hung up on what you did yesterday. Stepping back and staying on top of what's happening with the business has never been more important. [45:17] Businesses are transforming before our eyes, and AI is leading the transformation. Make sure you're interacting with your business to stay current on what the business is all about. [46:02] Randy says being at Aon a long time has given him a lot of latitude to do all the things he has done. He can look for new things, cut across the towers that exist and think about risk at the broadest level. [46:40] If you move company to company, you'll step into the new role, fix a few things, and move to the next company. You won't have the latitude to experiment with new things or ask what comes next. You're there because you're needed at that time. [47:07] Randy says, That can be comfortable. But don't get too comfortable and make sure you're staying current. [47:17] We really appreciate you joining us here on the show. I want to wish you congratulations again on the Goodel Award. It's a big honor here at RIMS, and you certainly deserve it. [47:27] I look forward to meeting you in Philadelphia, from May 3rd through the 6th at RISKWORLD! Thank you so much for joining us here on RIMScast, Randy! [47:40] Special thanks again to 2025 Goodel Award Winner, Randy Nornes, for joining us here on RIMSCast! A link to his profile in RIMS Risk Management Magazine's Awards Edition 2025 is in this episode's show notes. [47:57] He's one of our men in Chicago. Check out ChicagoRIMS.org. They have a live event coming up called "Nuclear Verdicts: Live Mock Trial for Evaluating Litigation Risk and Strategy"  at the Aon Center (Chicago), on March 11th. You might see Randy there! [48:14] We've got the Chicago RIMS Annual Golf Outing on September 21st, and the 11th Annual Chicagoland Risk Forum on September 24th at the Old Post Office in Chicago. They're one of our most active and vibrant chapters, so check out those events and visit ChicagoRIMS.org. [48:34] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [49:02] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [49:20] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [49:37] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [49:54] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [50:08] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [50:20] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Legislative Summit — March 18-19, 2026 on Capitol Hill, Washington, D.C. | Register now! RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation — Scholarships and Grants RIMS Texas Regional Conference 2026 Education Content Submission — Deadline March 18, 2026! RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April ‒ June 2026 Cohort | Led by James Lam RIMS Compensation Survey 2025 — Download Today RIMS Risk Management magazine | Contribute | Awards Edition 2025 RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepMarch 10‒11 | April 21‒22 | June 9‒10 RIMS-CRMP-FED Exam Prep with AFERM | March 17‒18 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops RIMS Virtual Workshop – Facilitating Risk-Based Decision Making | March 4‒5 | Register Now Risk Appetite Management | March 25‒26 Claims Management | April 7‒8 Emerging Risks | April 15 | Register Now! Upcoming RIMS Webinars: Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management | March 6 | Presented by RIMS Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes | March 12 | Sponsored by Global Risk Consultants RIMS.org/Webinars   Related RIMScast Episodes: "Investing In Yourself with RIMS 2026 President Manny Padilla" "RIMS 2024 Goodell Award Winner Eamonn Cunningham"   Sponsored RIMScast Episodes: Secondary Perils, Major Risks: The New Face of Weather-Related Challenges | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Randy Nornes, at Aon   Production and engineering provided by Podfly.

⬥EPISODE NOTES⬥ What happens when a cybersecurity professional knows exactly what's wrong but can't get anyone to act on it? It's a problem that affects security teams across every industry, and it's the central question driving Josh Mason's new book, Speaks Security with a Business Accent. In this conversation, Josh Mason joins Sean Martin to unpack why technical accuracy alone doesn't move the needle and what it takes to communicate security in terms the business actually understands. Josh Mason brings a perspective shaped by years as an Air Force pilot and cyber warfare officer, where mission-first thinking wasn't optional, it was survival. As a safety officer, he studied aircraft mishaps, analyzed black box recordings, and learned that risk awareness doesn't mean risk paralysis. The same philosophy, he argues, applies to cybersecurity: teams can acknowledge risk without letting fear of failure prevent them from supporting the mission. Drawing from books like Dale Carnegie's How to Win Friends and Influence People, The Phoenix Project, and The Goal, Josh Mason structured his own book as a narrative, telling the story of a CIO who transforms a disconnected security team into one that communicates effectively with colleagues, leadership, the board, and eventually beyond the organization. A recurring theme in this conversation is the danger of perfection as the enemy of progress. Josh Mason uses the Iron Man analogy of building an imperfect prototype, flying it, learning from the failure, and iterating, to argue that security teams need to embrace a similar mindset. DevOps teams have already adopted this approach, and security can learn from it. Inaction for perfection's sake, he warns, isn't going to get anyone anywhere. The conversation also examines whether the cybersecurity industry does enough to learn from its own incidents. Unlike aviation, where the FAA and NTSB mandate rigorous post-incident analysis, cybersecurity lacks a centralized authority enforcing that same discipline. Organizations like MITRE, Verizon, and Mandiant publish valuable trend reports, and the data is there for those willing to use it, but it ultimately comes down to individual responsibility and leadership within each organization. For anyone who has ever felt technically right but strategically sidelined, this conversation offers a practical lens on bridging the gap between what security teams know and what the business needs to hear. ⬥GUEST⬥ Josh Mason, Author of Speaks Security with a Business Accent | Air Force Veteran, Cybersecurity Professional, and Founder of Noob Village | Website: https://www.mason-sc.com | On LinkedIn: https://www.linkedin.com/in/joshuacmason/ ⬥HOST⬥ Sean Martin, Co-Founder at ITSPmagazine, Studio C60, and Host of Redefining CyberSecurity Podcast & Music Evolves Podcast | Website: https://www.seanmartin.com/ ⬥RESOURCES⬥ Speaks Security with a Business Accent by Josh Mason | https://www.mason-sc.com The Future of Cybersecurity Newsletter | https://www.linkedin.com/newsletters/7108625890296614912/ More Redefining CyberSecurity Podcast episodes | https://www.seanmartin.com/redefining-cybersecurity-podcast Redefining CyberSecurity Podcast on YouTube | https://www.youtube.com/playlist?list=PLnYu0psdcllS9aVGdiakVss9u7xgYDKYq ⬥ADDITIONAL INFORMATION⬥ ✨ More Redefining CyberSecurity Podcast:

Precision agriculture has been around for years and has become an important tool for farmers looking to increase efficiency and productivity. In this Managing for Profit, Nick Luett, precision ag manger with RCIS, explains how many farmers are also utilizing technology to enhance their crop insurance experience.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Despite having a finance degree and achieving early success, Dave Ramsey experienced bankruptcy. Forced to rebuild from zero, he turned to timeless financial principles that not only restored his wealth but also helped him build a business that serves millions on their journey to financial freedom. Now on Spotify video! In this episode, Dave returns with some proven money management strategies to help high earners avoid costly financial mistakes, eliminate debt, and build lasting wealth. In this episode, Hala and Dave will discuss: (00:00) Introduction (02:40) From Bankruptcy to Personal Finance Principles  (07:30) Credit Cards and Spending Psychology (15:56) Is There Anything Like Good Debt? (18:28) Debt Snowball vs. Avalanche Strategy (20:17) Financial Planning for High Earners (30:11) Money Mistakes Young People Make (39:19) Ramsey Solutions' Business and Revenue Model (44:16) Creator Entrepreneurship and Succession Strategy (49:21) Recurring Revenue Built on Trust Dave Ramsey is a personal finance expert, radio personality, bestselling author, and founder and CEO of Ramsey Solutions. He is the host of The Ramsey Show with over 18 million listeners each week. Through decades of research on wealth-building and investing, Dave has helped millions achieve financial freedom using proven money management principles. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/profiting Shopify - Start your $1/month trial at Shopify.com/profiting. Spectrum Business - Keep your business connected seamlessly with fast, reliable Internet, Phone, TV, and Mobile services. Visit https://spectrum.com/Business to learn more. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting Experian - Manage and cancel your unwanted subscriptions and reduce your bills. Get started now with the Experian App and let your Big Financial Friend do the work for you. See experian.com for details. Bitdefender - Start protecting your business today with Bitdefender Ultimate Small Business Security. Get 30% off your plan at bitdefender.com/profiting  Intuit - Start paying bills the smart way, not the hard way. Learn more at QuickBooks.com/billpay   Resources Mentioned: Dave's Website: ramseysolutions.com Dave's App, EveryDollar: everydollar.com  Dave's Book, Build a Business You Love: bit.ly/BuildaBusinessYouLove  YAP E344 with Dave Ramsey: youngandprofiting.co/E344  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Stock Market, Scalability, Investment, Risk Management, Business Coaching, Finance Podcast, Saving

In this episode, Ricardo explains that many projects fail not because of technical issues, but because the global context changes during execution. Elections, wars, sanctions, and trade tensions can shift priorities, block suppliers, and unexpectedly increase costs. Geopolitics goes beyond armed conflicts; it includes global supply chains, interest rates, exchange rates, and environmental regulations. Trade restrictions can halt infrastructure projects, export limitations can delay the delivery of critical equipment, and regional conflicts can raise material costs. Higher interest rates affect project financing, while currency fluctuations can quickly make contracts unviable. Regulatory changes also impact scope and timelines. So, project managers must include macroeconomic risks in planning, work with multiple scenarios, and involve leadership when the context changes to stay aligned with strategy in a globally unstable environment. Listen to the podcast to learn more!

Neste episódio, Ricardo explica que muitos projetos falham não por problemas técnicos, mas porque o contexto global muda durante a execução. Eleições, guerras, sanções e tensões comerciais podem alterar prioridades, bloquear fornecedores e elevar custos inesperadamente. Geopolítica vai além de conflitos armados: inclui cadeias globais de suprimento, taxas de juros, câmbio e regulações ambientais. Restrições comerciais podem paralisar obras, limitar exportações e encarecer materiais. A alta dos juros afeta o financiamento, e variações cambiais podem tornar contratos inviáveis rapidamente. Mudanças regulatórias também impactam escopo e prazos. Por isso, o gerente de projetos deve considerar riscos macroeconômicos, trabalhar com cenários e envolver a liderança quando o contexto muda, garantindo alinhamento estratégico em um ambiente de instabilidade global. Escute o podcast para aprender mais!

In today's threat environment, attackers don't just target systems. They target people—and artificial intelligence is accelerating that reality. Generative AI enables social engineering at a scale and level of personalization that many organizations are not prepared to meet. Especially with yesterday's security awareness models.Today's guest is Matt Lindley, the Chief Innovation & Information Security Officer at NINJIO, a cybersecurity awareness training and human risk management platform. Matt is known for his work in emerging cyber threats, social engineering, compliance, AI strategy and transformation, and security risk management—especially where the human element is the critical variable.This conversation explores what modern human risk management looks like when the adversary can quickly and cheaply produce convincing messages, voices, and narratives. We'll also touch on two practical supporting themes: How to measure human risk with meaningful metrics, and how to drive culture change without creating security fatigue.

When Dave Mabe backtested his strategy, it outperformed his own discretionary trading — and changed how he approached everything. In this episode, we discuss gapping breakouts, expectancy, systematic trading, drawdowns, and the reality gap between backtests and live execution. A practical conversation for traders serious about building durable edge. In this episode, we explore: ·        How Dave got introduced to markets: From early exposure to investing through his family to actively seeking more control over his capital and moving from swing trading into day trading. ·        Why rules matter: The transition from discretionary decisions to systematic frameworks — and why trading without a process is a fast path to inconsistency. ·        Backtesting as a “superpower”: What backtesting really does for strategy development and confidence in your edge. ·        Reconciling backtests with real life: Practical realities of execution, slippage, and market structure — and how to build a feedback loop so your live results get closer to your imulations. ·        Drawdowns and mindset: How to handle periods where a strategy doesn't behave as expected, and why many traders quit in drawdowns rather than at all-time highs. ·        Scaling a trading business: The difference between scaling size versus scaling breadth — and why uncorrelated strategies matter. ·        Practical first step for systematic traders: How to start adding structure to your trading with backtesting, even if you're not a programmer.   About the guest:   Dave has been a professional trader and technologist for over two decades. As a former CTO of Trade-Ideas, he has unique experience at the intersection of algorithm design, real-time market data, and automated execution. Outside trading, he writes a popular daily newsletter on backtesting and systematic strategy development, and hosts the Line Your Own Pockets podcast focused on systematic approaches to markets. Links + Resources: · Link to Better Backtesting —Dave's free multi-day email course on building strategies and improving them over time. · Trade-Ideas, Amibroker, RealTest — examples of backtesting and strategy development platforms discussed in context.   Sponsor of Chat With Traders Podcast:  Trade The Pool:  http://www.tradethepool.com Time Stamps: Please note: Exact times will vary depending on current ads. 00:00 Intro and Background 08:29 Stock Selection and Systematic Trading Rules 11:32   Position Sizing, Expectancy and Risk Management 16:50   Discovering Backtesting and First Backtests 18:40   Backtesting Principles, Sample Size and Common Pitfalls 20:34   Gradual Automation and Live Trading Implementation 22:17   Trading Journal and Reconciling Backtest vs Live 27:27   Scaling through Automation: More Trades, Better Results 29:26   Drawdowns, Psychology and Handling Setbacks 34:14   Tools, AI and Software for Backtesting and Coding 39:56   Common Trading Myths Debunked (Partials, Stops) 48:01   Getting Started: Practical Steps, Resources and Closing   Trading Disclaimer:   Trading in the financial markets involves a risk of loss. Podcast episodes and other content produced by Chat With Traders are for informational or educational purposes only and do not constitute trading or investment recommendations or advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join CFC researchers Sam Kem and Chris Whittle as they look at the risks of building large-scale, long-duration infrastructure to fuel AI computing power with uncertain future demand.Mentioned on the show:The Data Center Surge: What 2026's Fastest-Growing Sector Means for UtilitiesEconomic & Market Watch: ⁠A Buyer's Market for CreditEconomic & Market Watch: ⁠Don't Budget for AI Costs to Hold SteadyFor questions and requests about industry research topics, please contact utilityresearchpolicy@nrucfc.coop.Contact the Economic & Market Watch team at economicresearch@nrucfc.coop.Visit us, download the dashboard and explore other Solutions media on our website, nrucfc.coop/Solutions.

This is the fifty-second episode in the Crypto Hipster's Curtain Calls Series, which includes 3–4-minute clips from Seasons 6-8. This compilation draws upon my conversations with:JOTARO, co-founder @ JOJO (5/22/2024, Season 7)Chris Bradbury, CEO @ Summer.Fi (4/21/2024, Season 7)Georgii Verbitski, founder @ TYMIO (11/22/2024, Season 8)Meg Lister, Managing Director @ Gitcoin Labs (3/19/2025, Season 8)

Featured Guest Jay Gates Managing Director, Gallagher National Restaurant Practice 20+ years in insurance, former Applebee's risk leader, RIMS committee member, and Kids Chance Nebraska board member. What We Cover Jay's unexpected path into risk and insurance Lessons learned investigating EEOC claims early in his career Leadership principles developed while managing large claims teams Building a full ERM program for 165+ Applebee's locations The most surprising and severe claims in restaurant operations How Gallagher reduces the total cost of risk for restaurant clients Innovative approaches including captives and proprietary analytics Underestimated risks: cyber breaches + product recalls The growing impact of AI on restaurant ops and risk Privacy + liability concerns tied to AI adoption The future of restaurant risk management over the next decade Key Takeaways Restaurant risks are broader than most expect. From contaminated produce to liquor liability fatalities, claims can escalate fast. Cyber and product recall coverages are essential, despite being commonly undervalued. AI will reshape restaurant risk—from customer service to operations tracking—creating both efficiencies and new exposures. Gallagher's differentiator is proactive service, deep data analysis, and tailoring insurance strategy to each client's risk tolerance. Risk leaders benefit from diverse career experiences, which Jay draws on daily. Resources & Links Learn more about the Restaurant Risk Professional (RRP) certification:riskeducation.org/restaurant-RiskPro Explore additional Alliance Insights episodes at riskeducation.org Focusing exclusively on risk management and insurance professional development, the Risk & Insurance Education Alliance provides a practical advantage at every career stage, positioning our participants and their clients for confidence and success.

Livestock Risk Protection Use in Kansas, Part 1 Livestock Risk Protection Use in Kansas, Part 2 Caring for Houseplants   00:01:05 – Livestock Risk Protection Use in Kansas, Part 1: Starting the show is Brian Coffey, K-State agricultural economist, and Yifei Zhang, senior research economist with the Agricultural Risk Policy Center at North Dakota State University, as they discuss research into Kansas producers using Livestock Risk Protection for feeder cattle.   00:12:05 – Livestock Risk Protection Use in Kansas, Part 2: Brian and Yifei keep the show and their conversation going as they converse about how producers have been using this risk management tool. Use of Feeder Cattle Livestock Risk Protection Insurance in Kansas AgManager.info   00:23:05 – Caring for Houseplants: K-State consumer horticulture Extension associate, Matt McKernan, ends the show chatting about how to tell if a houseplant needs repotting, how to determine pot size and how to care for plants that are root-bound.      Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Extension is a short name for the Kansas State University Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices statewide. Its headquarters is on the K‑State campus in Manhattan. For more information, visit Extension.ksu.edu. K-State Extension is an equal opportunity provider and employer.

Forecasting is supposed to be the corporate crystal ball. In reality, it's the nervous system of the organization, and it's almost always wrong.In this episode of Corporate Finance Explained, we break down why even the most sophisticated companies, with PhDs, AI, and expensive ERP systems, still miss their forecasts and how those misses can cascade into hiring mistakes, inventory blowups, margin compression, and credibility loss with investors. The problem isn't the spreadsheet. It's the humans behind it: incentives, internal politics, and cognitive bias.We unpack the two forces that quietly sabotage forecasts inside most organizations: sandbagging (teams deflating targets to protect bonuses) and the optimism trap (leaders inflating projections to win budget and headcount). Then we go deeper into the psychology, including anchoring and overconfidence, and why “torturing the model until it hits the number” is a fast track to bad decisions.You'll also hear a real-world contrast between Target and Walmart in the post-pandemic cycle, and how forecasting failures often stem from using lagging indicators, misreading demand normalization, and locking into static annual plans. From there, we explore what top finance teams do differently: rolling forecasts, driver-based forecasting, and tighter model governance that reduces Excel risk and keeps base case vs stretch case separate.Finally, we cover the most overlooked forecasting skill: communicating uncertainty. Leaders don't need false precision. They need a credible range, clear drivers, and a story that explains what changed, why it changed, and what to do next.If you work in FP&A, corporate finance, budgeting, planning, or financial modeling, this is your deep dive into how forecasting actually works in the real world and how the best teams stay agile when the future refuses to cooperate.

In this expansive and deliberately contrarian episode, Jesse takes on annuities—not with a sales pitch or a blanket dismissal, but by putting them under a rigorous planning lens rooted in risk, probability, and real retirement outcomes. He begins by laying out what annuities actually are, clearly separating fixed annuities from their variable cousins, and explaining why high fees, capped upside, illiquidity, and poor expected returns make most annuity products deeply unattractive. From there, Jesse zeroes in on the one annuity type he considers intellectually defensible in narrow circumstances: the single premium immediate annuity (SPIA), framing it not as an investment but as insurance against longevity and sequence-of-returns risk. The heart of the episode introduces the concept of ergodicity and uses vivid examples to show how retirement planning is fundamentally non-ergodic, dominated by tail risks, bad timing, and one irreversible life path. Through this lens, annuities are reframed as a tradeoff: a high probability of modest financial loss in exchange for protection against a low-probability but catastrophic retirement failure. Jesse closes by emphasizing that annuities, when used correctly, dull both the upside and the downside—reducing the chance of ruin at the cost of lower lifetime wealth—and that whether that trade is worth making depends not on averages or rules of thumb, but on an individual's specific risks, values, and tolerance for uncertainty. Key Takeaways: • Most annuities are expensive, illiquid, and poorly designed. Annuities are insurance products, not investments. • SPIAs are the simplest and most transparent annuity structure. SPIAs insure against longevity and sequence-of-returns risk. • Retirement planning is a non-ergodic problem. Average outcomes do not reflect individual retiree experiences. • Monte Carlo averages can hide catastrophic failures. • Annuities pool longevity risk across many people. Most annuity buyers will "lose" financially on average. • The annuity decision is a personal risk-management choice, not a math trick. Key Timestamps: (01:39) – Diving into Annuities (07:39) – Understanding Variable and Fixed Annuities (15:38) – Risks and Protections of Annuities (19:58) – Single Premium Immediate Annuities (SPIAs) (26:24) – Understanding Ergodic Systems (30:36) – The 4% Rule and Sequence of Returns (34:44) – Tail Risks and Longevity in Retirement (46:52) – The Role of Annuities in Retirement Planning Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://www.fortunesandfrictions.com/post/one-in-a-quadrillion https://bestinterest.blog/e127/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

In the second installment of our three‑part mini‑series celebrating the 2025 Distinguished Risk Manager Award recipients, URMIA Matters turns the microphone toward one of its own: longtime host and newly honored DRM, Julie Groves of Wake Forest University. In this insightful conversation, Julie reflects on her unexpected path into risk management—from an English major to having three insurance folders dropped onto her desk, a moment that ultimately led her career in risk management. She shares how mentors, colleagues, and particularly the URMIA community shaped her professional journey; why collaboration and connection are essential for risk managers; and how involvement in URMIA helped elevate both her work and recognition within her institution. Julie discusses what the award means to her, the evolution of higher ed risk management, and the importance of being a steadfast, behind‑the‑scenes protector of campus communities. It's a warm, reflective episode that highlights Julie's impact, leadership, and enduring commitment to helping others succeed in the field. 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!

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you accidentally letting hundreds of thousands of dollars sit idle in your holding company… unsure how to deploy it without triggering unnecessary tax?If you're a Canadian business owner with retained earnings building up in your holdco, you've probably felt the tension. You want to grow your wealth—but you don't want to make a costly mistake. Your accountant tracks what's happened, but who's helping you think proactively about what to do next? With salaries, RRSP room, rental properties, corporate investments, and tax efficiency all in play, it's easy to feel stuck between “do nothing” and “overcomplicate everything.” What you really want is clarity—and optionality.In this episode, you'll discover:A simple 50/50 framework for splitting retained earnings between risk-off liquidity and long-term growth.How to structure corporate investments to create tax-efficient capital gains and future tax-free income through the Capital Dividend Account.Why thinking holistically—across your corporation and personal assets—unlocks powerful flexibility, leverage, and long-term tax control.Press play now to learn how to turn your holding company into a strategic wealth engine—not just a parking lot for cash.

Gm! In this episode, we're joined by MacBrennan Peet, Founder of Project 0, to discuss how the platform is tackling capital and risk fragmentation across DeFi venues. We cover unified margin, cross-venue credit, automated strategies, dynamic risk management, integrations across Solana lending markets, and Project 0 Pay. Enjoy! -- Follow Lightspeed: ⁠https://twitter.com/Lightspeedpodhq⁠ Follow Project 0: https://x.com/Project0 Follow MacBrennan: https://x.com/macbrennan_cc Follow Danny: https://x.com/defi_kay_ Join the Lightspeed Telegram: ⁠https://t.me/+QHlbNTNS4gc1ZTVh -- Join us at DAS (Digital Asset Summit) in New York City this March!  Use the link below to learn more, and use code LIGHTSPEED200  to get $200 off your ticket! See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-nyc-2026 -- Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ -- Timestamps: (0:00) Introduction (1:48) MacBrennan's Path to Project 0 (5:39) Rebuilding Prime Brokerage for DeFi (8:48) Unified Margin Across DeFi Venues (19:59) Automated DeFi Strategies (26:57) Risk Management & Asset Onboarding (31:51) The Evolution of Automated Strategies (35:19) Project 0 Pay Explained (46:33) Competing With DeFi Super Apps (51:10) What's Next for Project 0 (55:06) Closing Comments -- Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Danny, and our guests may hold positions in the companies, funds, or projects discussed.

TalkLP Podcast Host Amber Bradley sits down with Greg Murphy, VP of Risk Management at United Pacific, and honestly… is there anything this guy can't do? How did Greg started out chasing shoplifters on the floor in the 80s and work his way up to running LP, HR, audit, safety, workers' comp AND risk management for one of the largest convenience store/QSR chains in the West?  Listen today to understand how to “think like a scientist” to truly shift your focus and possibly how you think!

In this episode of Crane Talk, the team is joined by OSHA defense attorney Michael Rubin to unpack what really happens after a serious crane accident. From the moment the phone rings on a Saturday night to navigating inspections, interviews, and citations, Rubin explains when to involve legal counsel and why early strategy changes outcomes.The conversation dives deep into OSHA enforcement practices, citation stacking, inflation-adjusted penalties, and the long-term business consequences of public fines. The group also explores Fourth Amendment protections during inspections, how multi-employer jobsites complicate responsibility, and why blindly paying citations can cost far more than fighting strategically.If you operate cranes, manage heavy iron, or oversee safety in construction, this episode is essential listening.Disclaimer:This content is for informational purposes only and does not constitute legal advice. No attorney-client relationship is formed by watching the video, viewers should consult a licensed attorney for personalized legal guidanceAbout the Show Crane talk is a podcast hosted by Ron Thompson and Gene Greiner, 2 highly successful insurance producers in the Dallas-Fort Worth region. About Ron:Ron has been specializing in the heavy iron insurance world as a broker since 1992. In the complex world of heavy iron risk exposure, Ron's expertise is in contractual risk transfer, contract review, fleet safety management where “rubber meets the road” and keeping clients updated on legislative issues that effect the crane & rigging industry and maximizing profit for his clientele.About Gene:Gene Greiner is Vice President of commercial insurance for CoVerica with 15 years of focus on heavy construction risk. Based in Dallas, TX, he is deeply embedded in serving this industry's risk transfer needs and, enjoys active advocacy though the Specialized Carriers & Rigging Association and the Texas Crane Owners Association. New episodes drop the first Tuesday of each month. Please drop us a line if you have a question or suggestion; you can reach us at podcast@coverica.com. Finally, if you like the podcast, we encourage you to subscribe and leave us a review.

In this episode of CFI's Member Spotlight, we sit down with Alex Murray, a UK-based financial analyst whose path into finance started far outside the typical “cookie-cutter” route. This conversation traces how Alex moved from studying History (with a deep interest in the Renaissance and the evolution of double-entry bookkeeping) to building a career in finance through curiosity, disciplined self-learning, and strong mentorship.Alex shares how early exposure to banking through his family sparked his interest, why studying history sharpened his thinking about economic cycles, and how he translated that mindset into real-world finance work. We also dig into his hands-on experience in ESG and impact investing, his transition into a full-time role, and what surprised him most about finance once he was inside the function: the shift from reporting numbers to using them to drive decisions.You'll hear how Alex uses CFI training in his day-to-day workflow, what changed after completing the FMVA, and why he's now focused on building a long-term career in FP&A and strategic finance. The conversation also touches on the modern toolkit for analysts, including Power Query, Power BI, dashboards, and AI tools used for analysis and structured thinking.This Member Spotlight is for anyone early in their finance career (or considering a pivot) who wants a realistic look at how strong fundamentals, better questions, and practical training compound over time.Learn more about CFI's programs and certifications, including FMVA and FP&A training, and explore how thousands of professionals are building job-ready finance skills with Corporate Finance Institute.

Innovation comes in many areas, and compliance professionals need not only to be ready for it but also to embrace it. Join Tom Fox, the Voice of Compliance, as he visits with top innovative minds, thinkers, and creators in the award-winning Innovation in Compliance podcast. In this episode, host Tom Fox welcomes Tim Khamzin, Founder & CEO of Vivox AI, to discuss building explainable, trusted AI agents for financial crime compliance teams. Tim describes his background in banking operations automation, including large-scale digital transformation and the development of compliance products, and explains how large language models since 2023–2024 enable the automation of unstructured compliance work without extensive model training. He outlines key challenges in AML/KYC operations—15% of bank headcount tied to compliance, heavy manual repetitive investigations across multiple systems, and cultural resistance to adopting technology. Tim emphasizes “explainability” through consistent, repeatable investigations with audit logs and screenshots that mirror human workflows, and “trust” through transparency, compliant vendor choices, and clear communication of limitations. Tim introduces Vivox compliance analyst, “Rachel,” a platform of collaborating agents that supports onboarding, customer due diligence, and false-positive reduction, improved via structured human feedback (thumbs up/down) to learn firm-specific standards. He explains how Vivox stays aligned with evolving regulations by engaging with bodies such as the UK FCA and tracking frameworks such as the EU AI Act and Singapore guidance, with a focus on auditability and explainability. Tim predicts most compliance work will shift to AI agents, with humans handling complex cases and a new role of “compliance engineer” emerging to configure and evaluate agents, alongside industry consolidation and operating-system-style vendor platforms. Key highlights: From Banking Automation to Founding Vivox AI: The Opportunity in LLMs What's Broken Today: Manual Investigations, Backlogs, and Culture Gaps Explainable + Trusted AI: Audit Trails, Screenshots, and Transparency Regulators' Top AI Concerns: Black Box, Bias, and 99% Accuracy Inside ‘Rachel': The AI Compliance Analyst & Human-in-the-Loop Feedback The Future: Compliance Engineers, Agent “Operating Systems,” and Consolidation Resources: Tim Khamzin on LinkedIn Vivox AI Innovation in Compliance was recently honored as the Number 4 podcast in Risk Management by 1,000,000 Podcasts.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Cynthia Garcia about her career journey. She credits mentors and sponsors for paving the way for her success. Justin and Cynthia discuss the demands of the Chief Risk Officer role and how Cynthia works with stakeholders who have competing priorities. Cynthia shares her perspective on construction risk and safety. She is seeing more diversity in the rising generation of risk professionals, with amazing opportunities for all.   Cynthia shares how her Confucianist upbringing still makes it a struggle for her to receive recognition. Despite that, she posted on LinkedIn about receiving the 2025 Bill McIntyre Leadership Award at the International Risk Management Institute (IRMI) Construction Risk Conference. That post led Justin to reach out to her. Cynthia speaks of her involvement with the Spencer Educational Foundation, including being a Risk Manager on Campus. Justin and Cynthia talk about the March 6th Webinar, "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management", that she joins as a featured panelist. Listen for tips on careers in risk management for construction.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Cynthia Garcia, the award-winning Chief Risk Officer for Bernards. We will talk all about her career in construction risk and get some "inspirado." But first… [:44] RIMS Virtual Workshops. On March 10th and 11th, we have a two-day course led by John Button for the RIMS-CRMP Exam Prep. [:55] On March 17th and 18th, RIMS will align with AFERM for a two-day RIMS-CRMP-FED Exam Prep Course. [1:02] On March 4th and 5th, we have a virtual workshop, "Facilitating Risk-Based Decision Making", with Joe Milan. On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. [1:20] Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:27] Webinars. On March 6th, RIMS presents "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management". We'll be joined by a Chief Risk Officer, an underwriter, and a broker. [1:42] They will explore their career paths, risk and safety philosophies, and lend some insight as to why this is the time for the next generation of leaders to rise. [1:53] On March 12th, Global Risk Consultants returns with "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes". Register for these and other webinars by visiting RIMS.org/webinars and the links in this episode's show notes. [2:14] On with the Show! Our guest today is Cynthia Garcia. She is the Chief Risk Officer for Bernards. [2:22] Cynthia made a big impact on the risk landscape in 2025 when she received the Bill McIntyre Leadership Award from the International Risk Management Institute during its Construction Risk Conference. [2:35] I wanted to learn all about her career and what it's like to be the risk officer for a major construction company. [2:42] Earlier, I mentioned the March 6th RIMS Webinar, "Hard Hats and High Stakes," and Cynthia will, in fact, be the Chief Risk Officer mentioned there. [2:51] If you like what you hear in this episode and want to learn more about career development, construction risk, and why rising risk professionals should seize the opportunities in the construction sector, you can register for that Webinar. [3:04] Cynthia is a fascinating individual, and I am so pleased to present this interview! Let's get to it! [3:09] Interview! Cynthia Garcia, welcome to RIMScast! [3:27] Justin and Cynthia are going to be collaborating on a RIMS Webinar on March 6th, "Hard Hats and High Stakes." It's all about how women have and can continue to thrive in construction risk management. Cynthia is the ideal Chief Risk Officer to have on that panel. [3:46] Justin thanks Cynthia in advance for being on that panel and being a guest on RIMScast. [4:07] Cynthia is the CRO for Bernards, based in California. [4:33] Like many in her generation, Cynthia stumbled into risk management. She started as an administrative assistant for Morley Builders, an amazing employee-owned general contractor in Santa Monica, California. [4:52] She was fortunate to have several sponsors and mentors within the organization. They helped her see that she belonged at the table. They saw something in her that she hadn't seen in herself, which is the beauty of a mentor. [5:16] In spaces she was not in, they advocated for her and said, Why don't we give this to Cynthia? That's the beauty of a sponsor. Cynthia says she was blessed to be in the right place at the right time. She was able to lean in. [5:32] Cynthia says that the thing that attracts her about risk management and what she does is finding the hard yes. Risk management doesn't say, "No." [5:50] Risk management, when practicing its craft, is fully integrated with operations and understanding what the business needs. It is strategically aligned and helps make sure the organization is making those thoughtful business decisions that allow taking risks. [6:11] Then, risk management takes it to the next step to ask how this adds to our shareholder equity, how this aligns with who we want to be as a company and as people. Risk management threads the needle between entrepreneurship and "cowboyism." [6:28] Risk management leads with "Help me understand, and help us get to the hard yes. We can do it, but here are some of the things we need to do to make sure that it's successful."  [6:50] Cynthia always likes to start by making sure she is coming in with a lot of curiosity. She asks for help to understand what she's not seeing to try to connect the dots. If Cynthia doesn't understand the needs of her business partners, she's not creating value. [7:11] Cynthia joined Bernards as Chief Risk Officer four years ago next month (March). Bernards created the position for her. She says she's blessed to work with talented people. She credits an amazing group of rockstar individuals. She says a rising tide lifts all boats. [8:00] Cynthia says her team carries the weight and does it beautifully. She says the genius of true leadership is understanding we're paving the way for our replacement. Leaders who are afraid of talent need to pause and rethink what that means. [8:26] Cynthia's Risk and Safety team has 13 staff members. [8:45] Cynthia has a VP of Risk and Safety who is definitely a genius at making the wheels turn. He is Cynthia's only direct report. He does an amazing job setting the tone and the pace. [9:03] Cynthia says, We focus on listening to the voices of our internal and external customers. As an employee-owned company, we try to understand what our business partners need, whether it's accounting, finance, human resources, operations, or estimating. [9:22] Cynthia focuses on what our business partners need from risk management to help achieve mission success. [9:27] Cynthia says, from day to day, it's everything from safety to claims, to insurance issues, to coverage questions, but a fair part of the job is when business teams proactively reach out with questions about issues that have come up. [9:50] Cynthia says the beauty of being in a smaller organization is that Risk Management is not siloed. It's not just insurance and claims but also litigation management and contracts. Risk partners closely with the CHRO on policies and employment practices. [10:13] Risk partners closely with Finance and Accounting on a variety of issues. Cynthia feels it is fortunate that Risk is viewed and valued as an internal resource to its business partners and part of the critical strategy to achieve the company's goals. [10:41] Bernards has a little fewer than 400 employee-owners. Cynthia credits Finance and Accounting for paying vendors on time and treating trade partners fairly. She credits Marketing for helping the brand, highlighting company accomplishments, and creating community buzz. [11:30] Cynthia credits the very customer-centric Tech team, who have helped her a lot, and the Virtual Construction Design team, who help with clash detection and getting ahead of constructability issues early on. [11:59] She notes the estimating team getting ahead of what's out there and making sure we have the right projects to go after. It takes a village. [12:14] Cynthia says we like to think all of us employee-owners have a vested interest in mission success. We're all in construction. [12:27] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals across the globe. It's time to Connect, Cultivate, and Collaborate with them. [12:45] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges will be available starting on March 3rd. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [13:04] Save the dates March 18th and 19th, 2026, for the RIMS Legislative Summit, which will be held in Washington, D.C.! Join us in Washington, D.C. for two days of Congressional meetings, networking, and advocating on behalf of the risk management community. [13:20] Visit RIMS.org/advocacy for more information and to register. Also, check out the prior episode of RIMScast, Episode 378, featuring RIMS General Counsel and Vice President of External Affairs, Mark Prysock, as we discuss the top priorities for RIMS in 2026 and beyond. [13:41] Let's Return to Our Interview with Bernards' Chief Risk Officer, Cynthia Garcia! [13:58] When Cynthia joined Bernards, there were about 10 people on the Risk and Safety team. Then they went into remodel mode, with a different strategic vision. Continuous improvement is a Bernards core value. It's a 52-year-old company with processes and talent in place. [14:27] Cynthia says we've been looking at the areas where we can have the greatest impact, picking off the low-hanging fruit first, and then building out processes that allow us to scale without reinventing ourselves every few years. [14:57] Cynthia says safety is our priority. Bernards added safety to its core values this year. Cynthia says it was a grass-roots movement. It percolated up through Operations and said, This is who we need to be. [15:24] Cynthia says a risk management team's job is to safeguard all the resources of the organization. That includes people and things, clients, and trade partners. The Risk and Safety team has a holistic view. They can't be good by themselves. They can't be safe by themselves. [15:42] For Cynthia, safety takes on a larger meaning than physical well-being, including creating spaces where people are allowed to be vulnerable. [15:57] Cynthia talks about leading with empathy, with top priority not only for physical safety but also for a psychologically safe environment, where you can show up, be seen, heard, and thrive. [16:41] Cynthia says she works on building connections through conflict. For what could be tough conversations, it helps if you are willing to check your ego at the door and come in curious. Cynthia often states her intention up front. [17:01] Cynthia might say, "My intention isn't to challenge you, it's to have you help me understand your perspective and help me see what I'm missing." Cynthia says she asks a billion questions because there is so much she doesn't know. She always tries to get with the "why." [17:32] Cynthia says, When I try to understand what it is that my counterpart needs to happen, then we can figure out the path forward together. As employee-owners, our goals are aligned. We're looking in the same direction. [17:52] Cynthia says, We may fuss with the GPS a little bit, but we know the destination is set and we have a commitment to one another. Once we are willing to shut up, listen, and ask the questions to learn, then we can figure out how to be of service. [18:16] Cynthia says her job isn't to convince, it's first to understand. [18:22] A Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period will open on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [18:51] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [19:06] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [19:18] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [19:27] Let's Conclude Our Interview with Bernards' Chief Risk Officer, Cynthia Garcia. [19:41] As Cynthia mentioned earlier, Bernards is employee-owned. Cynthia thinks that Bernards being 100% employee-owned makes all its employee-owners better businesspeople. The heart of risk management is making those good choices. [20:27] Looking across the table and knowing she is betting with her fellow owner's retirement, makes Cynthia think about that a little bit differently. She thinks the employee ownership structure lends itself to amazing risk management. [20:49] Cynthia says you have to be disciplined. You're not spending somebody else's money on this. We're working together, and when we all make good choices, we are ultimately rewarding ourselves and impacting future generational owners, too. That's quite meaningful. [21:09] Cynthia says it's the best of both worlds. You have the umbrella of a big company paying the bills, but you're rewarded for smart entrepreneurism. [21:27] Cynthia has a long-term view when making decisions. It's not about what's in it for her. It's how does this support who we want to be today, and who we want to try to be tomorrow? It makes us look further into the horizon. [22:24] May 4th through May 8th, 2026, is Safety Week, here in the U.S. That coincides with RISKWORLD 2026. Cynthia will be at RISKWORLD. [22:41] Cynthia says for Safety Week, Bernards has planned activities on each job site to highlight the good things that men and women are doing to build the communities in which they work and live, and doing them in such a way that they go home to families and loved ones. [23:01] Justin notes that settlements from construction site accident injuries can be astronomical. Part of Cynthia's job is to minimize accidents from the outset, which connects to Bernards' core value safety-first mindset. [23:34] Cynthia says client response has been amazing. Recently, one of the project executives at Bernards was invited to the school district and won an award acknowledging their efforts on safety. That felt good because it wasn't Bernards saying it, but the clients saying we see it. [23:58] Bernards has trademarked "A Better Experience." It's a phrase they are proud of. They're building not only to create a better experience for their employee-owners, but also for project success for owners who value safety. [24:15] Bernards is a large school builder, working on many programs up and down the state. Bernards is cognizant of the impact they are having on the future generation of leaders and citizens. They're very grateful to have that acknowledgement from their clients. It's special. [25:29] Cynthia says she is absolutely seeing more opportunities for women in risk management and in construction. Construction tends to be inclusive. It's an industry filled with optimists. Its people bring that can-do attitude. They are very generous and gracious with their support. [26:13] Cynthia says she has been in the risk profession for about 30 years. The demographics have changed, and she sees diversity in the new young talent permeating the industry. [27:10] Cynthia thinks the work that the Spencer Educational Foundation does in partnership with RIMS is tremendous. She says it is amazing that colleges and universities are offering the Risk Management and Insurance degree and concentration. Cynthia never heard of that before. [27:35] Cynthia says that people her age moved into risk management from adjacent areas. She is pleased that now people come into risk management intentionally. She talks about risk managers trying to figure out how to help businesses thrive and grow to the next level. [28:47] Cynthia is one of Spencer's Risk Managers on Campus. She explains how the grants to colleges work. Spencer works tirelessly to make sure the next generation of leaders know what an amazing career this is and the opportunities it offers. Cynthia is grateful to be part of it. [30:15] Justin mentions that other Risk Manager On Campus risk professionals have been guests on RIMScast, and they have inspiring stories to tell. They love reaching the young people who are going to be the future of the profession. [30:35] Megan Miller, Spencer CEO, was a recent RIMScast guest. Check out SpencerEd.org for grants and opportunities. If you know somebody interested, send them the link to explore. If they connect with people like Cynthia through the RMOC grant, their experience will be richer. [31:28] Cynthia came to Justin's attention through a LinkedIn post about her being honored as the 2025 Bill McIntyre Leadership Award recipient at the International Risk Management Institute (IRMI) Construction Risk Conference. [32:08] Cynthia says you're always a little bit surprised but so pleased when you get acknowledged by your peers. As IRMI is pre-eminent in the construction risk management space, it was more special to Cynthia, as she knew of the great work they did. [32:33] Cynthia remembers starting in risk management and going to them as a resource. She knows the people who make IRMI thrive. They're people Cynthia looks up to. She is very grateful that it was her turn to be acknowledged. She feels there are way more qualified folks out there! [33:41] Cynthia says she is an immigrant. English is her second language. She is Korean and grew up in a Confucianist household. In terms of philosophy, you should be seen, not heard. The collective win is celebrated. [34:06] Cynthia has had to work to get over the heebie-jeebies about self-promotion or what could be viewed as arrogance. She's working on it and doing better at accepting compliments. It's an opportunity to show others who are coming up behind her that diversity exists. [34:45] Cynthia says it's hard for us to visualize ourselves in a role without models who came before us. What are the opportunities that exist? Can I also think about this? Cynthia said the marketing team is genius. Justin said that was what caught his eye on LinkedIn. [35:19] Cynthia says she is very fortunate to be supported by so much talent and such a community that helps uplift you. [35:27] Justin comments that the "seen and not heard" thing is not just Confucianism, but also old-world Brooklynism. His old relatives said, "Children should be seen and not heard." [35:52] Cynthia says we all have shared experiences within our collective. People tend to focus on the differences. It is important to celebrate our differences, but there's so much more in common, regardless of the geography and the generation in which we were raised. [36:10] There is so much in shared value. Cynthia says she is constantly inspired by those stories of people who saw a different future or leaned into a hand up. That motivates her to try to be better and drives her. [36:35] Justin says posting is a networking opportunity too. If that post had not gone up, Justin would not have met Cynthia. It's a way to broaden your network and meet more people. Justin says it's OK to do a humblebrag. Justin is known as the shameless self-promoter. [37:11] Justin says it is very special when you are acknowledged outside your company. [37:20] Cynthia's post triggered a series of events, one of which is, in recognition of Women's History Month, RIMS will present the webinar on March 6th, "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management", with Cynthia as a featured panelist. [37:38] Cynthia will provide the CRO perspective. Also on the panel are Danette Beck from Astrus and Jessica Risullo from WTW. Cynthia shares how she knows these amazing, trailblazing women. Cynthia is grateful to be on a panel with them. They're rockstars! [38:47] Justin says it's going to be excellent! The link is in this episode's show notes, or visit RIMS.org/webinars. Megan Miller, the CEO of the Spencer Educational Foundation, will kick things off with a special introduction. [39:15] It's going to be a wonderful way to observe and celebrate Women's History Month, ahead of RISKWORLD and Construction Safety Awareness Week. [39:30] Justin thanks Cynthia for joining us on RIMScast, sharing with listeners her construction risk perspective and career path. There's a lot to take away. Justin thanks Cynthia for her perspective and her time. [39:45] Cynthia says she appreciates Justin and the work RIMS is doing to put a spotlight on our amazing industry and the opportunities that exist. She says she is grateful for the opportunities Justin and RIMS are creating and thoughtfully curating. [40:04] Special thanks again to Cynthia Garcia for joining us here on RIMScast. You can hear more from her directly on March 6th during the RIMS Webinar "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management". [40:17] RIMS members, keep in mind that RIMS Webinars are complimentary for you. That is one of the many benefits of a RIMS membership. Visit RIMS.org/webinars and the link in this episode's show notes to register. That's going to be a fantastic session! [40:34] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [41:03] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [41:21] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [41:38] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [41:55] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [42:09] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [42:21] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Legislative Summit — March 18‒19, 2026 on Capitol Hill, Washington, D.C. | Register now! RISK PAC | RIMS Advocacy RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Construction Safety Week RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Compensation Survey 2025 — Download Today RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Debut Episode Now Live Spencer Educational Foundation — Scholarships and Grants RIMS Texas Regional Conference 2026 Education Content Submission — Deadline March 18, 2026! Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management | March 6 | Presented by RIMS — Featuring Today's Guest, Cynthia Garcia! Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepMarch 10‒11 | April 21‒22 | June 9‒10 RIMS-CRMP-FED Exam Prep with AFERM | March 17‒18 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops RIMS Virtual Workshop — "Facilitating Risk-Based Decision Making" | March 4‒5 | Register Now "Risk Appetite Management" | March 25‒26 "Claims Management" | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" | March 6 | Presented by RIMS "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes" | March 12 | Sponsored by Global Risk Consultants RIMS.org/Webinars   Related RIMScast Episodes: "Investing In Yourself with RIMS 2026 President Manny Padilla" "Strategic Risk Career Transitions with Susan Hiteshew" "Supply Chain Integrity and Sustainability with Nicole Sherwin of EcoVadis"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Cynthia Garcia, Risk Manager at Bernards   Production and engineering provided by Podfly.

Key Topics:   The original Turtle experiment and lessons from Richard Dennis  Why and how trend following focuses on small losses and large winners  Volatility-based position sizing and risk management discipline - Diversification across equity markets, currencies, commodities, bonds, and individual stocks  Current market dispersion and what it means for systematic strategies  The psychological challenge of sticking with trend during whipsaws and drawdowns  The growing role of ETFs in managed futures How advisors can size and integrate trend-following sleeves within broader allocations  Key Takeaways:  Trend following is agnostic — it adapts rather than predicts.  Diversification across a broad global universe improves opportunity and resilience.  Proper allocation and manager selection matter more than short-term performance.  No strategy is perfect — understanding drawdowns and behavioral discipline is critical.  Learn More:  Jerry Parker & Chesapeake Capital: www.chesapeakecapital.com  Dantes Outlook's RIA & OCIO Services: www.dantesoutlook.com  Dantes Outlook Substack for ongoing research and portfolio insights: www.dantes.substack.com  Disclaimer: The information presented is for informational purposes only and should not be considered as investment advice nor as a recommendation of any particular strategy, allocation or investment product: before making any investment decision, you should seek expert, professional advice and obtain information regarding the legal, fiscal, regulatory and foreign currency requirements for any investment according to the laws of your home country and place of residence. Investing involves risk, including the possibility of loss of principal. Any forward-looking statements or forecasts are based on assumptions and actual results may vary from any statements or forecasts. The information presented is for informational purposes only and should not be considered as investment advice nor as a recommendation of any particular strategy, allocation or investment product: before making any investment decision, you should seek expert, professional advice and obtain information regarding the legal, fiscal, regulatory and foreign currency requirements for any investment according to the laws of your home country and place of residence. Investing involves risk, including the possibility of loss of principal. Any forward-looking statements or forecasts are based on assumptions and actual results may vary from any statements or forecasts.Visit us at www.dantesoutlook.com

In this episode, Ricardo explains that the true enemy of a project is not risk, but illusion. Although teams dedicate significant effort to risk management—creating registers, assessing probability and impact, and defining mitigation plans—many failures arise from collective self-deception. Unrealistic schedules, underestimated budgets, and overly ambitious scopes are often accepted to satisfy expectations and gain approval. Unlike uncertainty, which is natural in complex environments, illusion is culturally constructed and reinforced by pressure, incentives, and overconfidence. The planning fallacy drives teams to underestimate time and cost. Effective project leadership means confronting illusions early, making trade-offs explicit, and protecting reality. Projects fail not because of known risks, but because uncomfortable truths are ignored. Listen to the podcast to learn more!

Discover exactly Why MORE Data Doesn't Mean BETTER Risk Models in this deep dive into credit risk. In this episode of the Risk Management Show, host Boris Agranovich is joined by Artem Lalaiants, CEO at RiskSeal, to explore the limitations of traditional credit bureaus. We discussed the critical difference between data volume and data relevance. Artem shares why adding more of the same information fails to improve underwriting and how "orthogonal" data—such as digital footprints and subscription behaviors—can unlock financial services for the underbanked. You will learn strategies for expanding into emerging markets using real-time insights that do not rely on regional bureau coverage. This conversation provides essential knowledge for any Chief Risk Officer or professional in Risk Management looking to modernize their credit scoring approach. As the Global Risk Community brings you expert discussions on topics ranging from Cyber Security to Sustainability, we aim to keep you ahead of the curve. If you want to be our guest or suggest a speaker, send your email to info@globalriskconsult.com with the subject line "Podcast Guest".

Neste episódio, Ricardo afirma que o verdadeiro inimigo de um projeto não é o risco, mas a ilusão. Embora dediquemos muito esforço à gestão de riscos, muitos fracassos decorrem do autoengano coletivo: cronogramas otimistas e irreais, orçamentos ajustados para viabilizar o business case e escopos sustentáveis apenas no papel. Diferente da incerteza, que é natural em ambientes complexos, a ilusão é construída pela cultura organizacional e pela pressão por aprovação e velocidade. A falácia do planejamento nos leva a subestimar prazos e custos por incentivos e excesso de confiança. Liderança em projetos não é agradar, mas proteger a realidade, explicitar trade-offs e confrontar ilusões cedo. Projetos fracassam não pelo que sabemos, mas pelo que escolhemos ignorar. Escute o podcast para saber mais!

Entrepreneurs start businesses in pursuit of financial freedom, yet many struggle to generate consistent profit even as revenue grows. Mike Michalowicz has seen this pattern play out time and time again. While traditional accounting trains business owners to treat profit as what's left over, Mike flipped the formula. He created Profit First, a cash management system that prioritizes profit from day one and has since been adopted by over 700,000 businesses worldwide. In this episode, Mike reveals how entrepreneurs can prioritize profit, build wealth, and finally turn revenue into true financial freedom. In this episode, Hala and Mike will discuss: (00:00) Introduction (01:45) Why Profit Must Come First (09:17) Profit First Cash Management System (14:14) Target Allocation Percentages for Profit (21:14) Handling Debt and Profit Distribution (24:44) Protecting Profit and Tax Accounts (27:57) How Spending Less Drives Innovation (33:32) Choosing Profitable Customers Strategically (40:17) Managing Profit for Financial Freedom Mike Michalowicz is a bestselling author, entrepreneur, and creator of the Profit First cash management system, used by over 700,000 businesses worldwide. He has built and sold multiple multi-million dollar companies and authored influential books, including Profit First, Clockwork, and Get Different. A sought-after keynote speaker, Mike helps entrepreneurs build profitable, sustainable businesses using behavior-based financial strategies. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/profiting Shopify - Start your $1/month trial at Shopify.com/profiting. Spectrum Business - Keep your business connected seamlessly with fast, reliable Internet, Phone, TV, and Mobile services. Visit https://spectrum.com/Business to learn more. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Experian - Manage and cancel your unwanted subscriptions and reduce your bills. Get started now with the Experian App and let your Big Financial Friend do the work for you. See experian.com for details. Huel -  Get all the daily nutrients you need with Huel. Grab Huel today and get 15% OFF with my code PROFITING at huel.com/PROFITING.  Resources Mentioned: Mike's Website: mikemotorbike.com  Mike's Book, Get Different: bit.ly/GetDifrent  Mike's Book, Clockwork: bit.ly/Clocwork  Mike's Book, Profit First: bit.ly/-ProfitF1st  Mike's Book, The Pumpkin Plan: bit.ly/TPumpkinP  YAP E386 with Mike Michalowicz:  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Personal Finance, Wealth, Stock Market, Scalability, Investment, Risk Management, Financial Planning, Business Coaching, Finance Podcast, Saving

In this episode, we welcome Catrina Bubier, MD, an OB/GYN physician and member of Copic's Board of Directors. Dr. Bubier details her experience with a serious hand injury that temporarily sidelined her from surgical practice. She shares how the injury and subsequent surgeries impacted her ability to work, her relationships with practice partners, and her finances. Dr. Bubier discusses the importance of disability insurance, the emotional challenges of facing a potential end to her career, and the value of planning ahead for unexpected life events. The episode also touches on her advocacy work with ACOG and offers practical advice for physicians on preparing for disability, understanding employment contracts, and building financial resilience.  Feedback or episode ideas email the show at wnlpodcast@copic.comDisclaimer: Information provided in this podcast should not be relied upon for personal, medical, legal, or financial decisions and you should consult an appropriate professional for specific advice that pertains to your situation. Health care providers should exercise their professional judgment in connection with the provision of healthcare services. The information contained in this podcast is not intended to be, nor is it, a substitute for medical diagnosis, treatment, advice, or judgment relative to a patient's specific condition.

With me in this episode is Henry Comfort, Co-founder and CEO of Geordie. Geordie is an AI observability and risk management platform designed to help organizations confidently and securely deploy AI models and agents. They raised a $6.5 million seed round last fall from General Catalyst and 1011 and were just announced as a finalist in the RSA Innovation Sandbox competition. Before Geordie, Henry worked as an executive at Darktrace, which was acquired by Thoma Bravo for over $5 billion in 2024. His career before Darktrace is even more unique. In the episode we discuss everything from security analogies for toxic gases in coal mines, enabling vs. controlling AI, the AI security buyer profile today, and more.https://www.geordie.ai/

Entrepreneurs often believe their financial stress will disappear with the next big contract, launch, or raise. But Mike Michalowicz has seen hundreds of high-earning founders and employees still living paycheck-to-paycheck. The problem isn't income; it's behavior. Now on Spotify video! In this episode, Mike returns to break down the core principles behind his latest book, The Money Habit, revealing the psychology behind why we overspend and how small changes can create massive long-term wealth. He also shares his practical personal finance system to increase savings, eliminate debt, and achieve true financial freedom. In this episode, Hala and Mike will discuss: (00:00) Introduction (03:48) Mike's Latest Book, The Money Habit (11:14) Cash Confidence and Financial Independence (17:14) Saving for Big Life Expenses (21:24) Why Traditional Budgeting Fails (24:10) Behavioral Psychology Behind Money Decisions (30:48) The Paycheck-to-Paycheck Money Cycle (37:36) The 6 Essential Money Account System (45:21) The Four Financial Seasons (54:02) Smart Debt Elimination Strategies (57:42) Money Habit Advice for Entrepreneurs Mike Michalowicz is an entrepreneur, bestselling author, and speaker specializing in small business growth strategies. He has built and sold multiple multi-million dollar companies and is the host of the podcast Becoming Self-Made. His latest book, The Money Habit, translates his business finance principles into a practical personal finance system designed to help individuals build stronger money habits and work toward financial freedom. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/profiting Shopify - Start your $1/month trial at Shopify.com/profiting Spectrum Business - Keep your business connected seamlessly with fast, reliable Internet, Advanced WiFi, Phone, TV, and Mobile services. Visit https://spectrum.com/Business to learn more. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting Working Genius - Take the assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Experian - Manage and cancel your unwanted subscriptions and reduce your bills. Get started now with the Experian App and let your Big Financial Friend do the work for you. See experian.com for details Huel -  Get all the daily nutrients you need. Grab Huel today and get 15% OFF with my code PROFITING at huel.com/PROFITING Resources Mentioned: Mike's Website: mikemotorbike.com  Mike's Book, Profit First: bit.ly/-ProfitF1st  Mike's Book, The Money Habit: bit.ly/MonyHabit  Mike's Podcast, Becoming Self-Made: bit.ly/BSM-apple  YAP E219 with Mike Michalowicz: youngandprofiting.co/E219   Hala's Speech at MIT: bit.ly/HTMITKN  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Career, Leadership, Mindset, Growth Mindset, Wealth, Stock Market, Scalability, Investment, Risk Management, Financial Planning, Business Coaching, Finance Podcast

In this episode, David Rajakovich, CEO of Acuity Risk Management, discusses how boards and CEOs are rethinking cyber risk as a strategic priority, the financial impact of data breaches, and why continuous risk intelligence is replacing one time assessments.

In this episode of Future Tech, I sit down with Blue Origin space explorer Jason Stansell, crew member of Mission NS-37, to break down what spaceflight really teaches you about preparation, risk, teamwork, and perspective. Jason shares what it's like training for space, flying above Earth, and returning with a completely different view of fear, execution, and community. We talk about why spaceflight is not about thrill-seeking, how extreme preparation mirrors entrepreneurship, and what founders can learn from operating in environments where mistakes are not an option. This conversation goes far beyond space — it's about discipline, humility, and building something bigger than yourself.Jason is a featured speaker in the upcoming NASA documentary Before the Moon.

Most people struggle with personal finance not because they're bad with money, but because they don't know where their money actually goes. When finances lack visibility, control becomes impossible. In the first episode of The Money Reset series, presented by Experian, Hala Taha breaks down the link between financial awareness and wealth control. Featuring insights from trusted finance experts like Dave Ramsey, Suze Orman, and Jade Warshaw, this episode exposes common money blind spots and shows how to gain clarity so you can take back control of your financial life. In this episode, Hala will discuss: (00:00) Introduction (01:45)  How Fear Shapes Our Relationship with Money (04:41) Rational vs. Irrational Money Fears (06:53) Taking Control of Your Finances (09:07) Making Intentional Financial Choices (11:51) How to Identify Where Your Money Is Going (17:28) Spending With Awareness and Intention (20:21) The Meaning Behind Financial Goals (23:10) Taking Responsibility for Your Finances Experian is a global data and technology company that collects and analyzes financial data to help people and businesses understand and manage their finances. Through tools like subscription cancellation and bill negotiation, Experian scans linked accounts for recurring charges, helps cancel unused subscriptions, and works to find better rates on eligible bills. They help put money back in your pocket. Get started with the Experian App today. See experian.com for details. Sponsored By: Experian: Put money back in your pocket by canceling unwanted subscriptions and lowering eligible recurring bills. Get started with the Experian App. See experian.com for details. Resources Mentioned: YAP E261 with Farnoosh Torabi: youngandprofiting.co/E261 YAP E380 with Jade Warshaw: youngandprofiting.co/E380  YAP E200 with Suze Orman: https://youngandprofiting.co/E200  YAP E344 with Dave Ramsey: https://youngandprofiting.co/E344  YAP E299 with Jean Chatzky: https://youngandprofiting.co/E299 YAP E245 with Tori Dunlap: https://youngandprofiting.co/E245  YAP E220 with Ramit Sethi: https://youngandprofiting.co/E220  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Disclaimer: This episode is a paid partnership with Experian. Sponsored content helps support our podcast and continue bringing valuable insights to our audience. Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Wealth, Stock Market, Scalability, Investment, Financial Freedom, Risk Management, Financial Planning, Business Coaching, Finance Podcast, Saving

Chapters:00:00 Introduction to Investment Decisions02:36 Understanding Exit Strategies05:13 Evaluating Investment Metrics08:13 The Importance of Conservative Underwriting10:32 Return on Effort in Investments     We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.