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GRC Maturity: From Disorganized to Integrated Risk and Performance - Part IVGetting to the Head of the Class: Advancing Your Organizations GRC MaturityOrganizations with GRC processes siloed within departments operate at the Unaware, Fragmented, or Integrated stage. At these stages GRC may be effective within a silo, but lacks an enterprise perspective of risk and compliance and gains no efficiencies from shared processes. Different departments may be at different levels of maturity. The Aligned and Optimized maturity levels represent maturity of organizations with an enterprise GRC strategy, focused on developing a common GRC process, information and technology architecture. These organizations report process effi Considerations for Moving From Fragmented to IntegratedDepartments at the Fragmented stage have siloed approaches to risk and compliance at the department level. This means no integration or sharing of risk and compliance information, processes or technology. To move from Fragmented to Integrated requires the department reduce manual data integration and improve overall visibility into risk exposure. Organizations should consider defining GRC process and information architecture at the department level and implement technology to manage multiple risk and compliance initiatives cohesively. Considerations for Moving From Integrated to AlignedDepartments at the Integrated maturity stage are in a good place to lead the organization in an integrated GRC strategy to the Aligned stage. They have a strategic approach to GRC at the department level, supported by mature GRC processes that can be extended to other departments. These organizations have a shared-services approach to GRC to deliver common processes and integrated information. To move from the Integrated to the Aligned stage requires a common risk catalog that shows the relationship of risks across the business and risk ownership. The purpose is to enable the business to make risk-informed decisions. Orga Considerations for Moving From Aligned to OptimizedTo difference between the Aligned to Optimized stage is primarily one of context. At the Aligned stage the orga Achieving the Optimized stage requires GRC expectations set as part of the annual strategic planning processes. The organization has extensive measurement and monitoring of GRC in the context of business strategy, performance and objectives. There is shared information and technology between risk, control and compliance management as well as decision support, optimization and business intelligence. The organization has integrated risk and finance data to drive performance and maximize value creation. Fundamental Steps to Establishing Your GRC StrategyTo achieve the benefits other organizations have seen from a GRC strategic plan and common approach, Corporate Inte
Not Going to IBM Vision 2012? Better "Think Twice."
Timothy Powers
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3,455 Visits
Do you really understand the reasons you make decisions? Sometimes the mind wants to unconsciously push us into a certain decision when there's a better way to think about it. That's the premise of the book, Think Twice: Harnessing the Power of Counterintuition, written by Michael Mauboussin, Chief Investment Strategist at Legg Mason Capital Management and a keynote speaker at IBM's upcoming Vision 2012 conference in Orlando, May 14-17. Vision is IBM's global conference for finance and risk professionals to help improve planning, budgeting and forecasting, identify and mitigate risk, and meet the demanding requirements of XBRL, IFRS, Basel II and Solvency II with greater confidence. I talked to Mauboussin about his book, making data-driven decisions, some common pitfalls as decision makers, and his upcoming talk at Vision. "What's very exciting is that in the last half dozen years, we've had a real influx of data, and we're now just learning how to tap that data for the benefit of better decision making," said Mauboussin. "Now we can create a better intersection between value creation and making decisions." The problem however, according to Mauboussin, is that we still have the same cognitive makeup and the propensity to make common mistakes. "We often think about our own decision making as being objective and fact based and rationale. And we tend to underestimate systematically how important the social context is for our decision making," said Mauboussin. To illustrate this point he told an interesting story from his book. Researchers went into the wine section of a supermarket and set up French and German wines next to each other that were roughly matched in price and quality. Over a two week period they alternated playing distinctively French and distinctively German music to see if it would have any influence on purchase decisions. Surprisingly, they found when French music played people bought French wine 77 percent of the time, and German wine 73 percent of the time when German music played. When asked if music affected their selections, the consumers unanimously said no. "This basic experiment can be extrapolated to a lot of organizational settings where we think of ourselves as trying to be conscious and mindful as we make decisions. But indeed what is going on around us can be deeply influential to our decisions," said Mauboussin. So what do we do? According to Mauboussin, integrate more data into quality decisions. However, there is still a tension between the intuitive, go by the seat of the pants experience group versus the analytically-minded group. "Either extreme is not going to work but a blend between the two is right way," said Mauboussin. Read the rest of the interview with Michael Mauboussin on the Business Analytics Blog here. For more information: · Register here for the upcoming Vision 2012 conference · Download the Vision conference guide for background on keynotes, elective sessions, demos & workshops · Read a previous blog post on minimizing risk and improving performance |
SEC Expanding Compliance Investigations to Boards of DirectorsThe head of the SEC's Office of Compliance Inspections and Examinations, Carlo di Florio, recently spoke about what his 900 professionals look for in conducting examinations of a wide range of financial institutions – noting the OCIE is breaking new ground. In carrying out its mission to improve compliance, prevent fraud, monitor risk, and inform policy, di Florio's office is expanding its focus to include boards of directors. In considering a firm's compliance culture, the OCIE is entering into direct discussions with boards of directors, to get a sense of the board's as well as senior management's attention to and focus on regulatory compliance issues. di Florio didn't name names, but media reports say such discussions already have taken place with the likes of Goldman, Morgan Stanley, Barclays and Wells Fargo. He did say that the new focus is due in part to the fact that a firm's compliance culture is an "elusive concept and a real challenge," having a huge impact on the extent to which a firm engages in ethical conduct, also noting the need to integrate compliance within risk governance processes. If you've encountered Carlo di Florio, you may have observed a soft spoken, gentle demeanor and charming personality. But that shouldn't be misinterpreted for anything less than a hard-nosed and rigorous approach on the part of him and his staff. Having worked with him in our "past life," I can assure you that he is not only thoughtful and creative in approach, he can be relentless in pursuing objectives. OCIE's approach is multifold, focusing first on review of a firm's polices and related procedures, including policy management and flexibility in dealing with evolving conditions. There's focus on effectiveness of communication and training, and on such matters as how a firm assigns responsibility and handles accountability. Also in its sights are monitoring and testing processes, protocols for communicating issues upstream, and internal whistleblower processes. di Florio notes that the better the internal processes, the less OCIE will need to do. Highlighting its insightfulness, OCIE looks at such critical matters as where the power lies – the business side or legal/compliance – how bonus pools are allocated, independence of compliance staff, and involvement in critical decision-making. Also, the extent of compliance contributions of business units in performance assessment and reward processes are considered. With all this, the focus on board of directors is consistent with attention to the tone at the top of a firm. Carlo di Florio is moving the lines, and I've no doubt he and his staff will have a sharper focus on and greater insight into what drives compliance. |
Are Changes to FCPA Enforcement on the Horizon?We know the Justice Department and SEC in recent years revved up enforcement of the Foreign Corrupt Practices Act, which certainly has gotten the close and widespread attention of the business community. With the vast majority of U.S. companies large and small operating globally, general counsels, compliance officers, boards of directors, and other business executives are focusing on related risks and controls. And now the U.S. Chamber of Commerce's Institute for Legal Reform, noting that companies want to comply with provisions of the FCPA but unclear enforcement makes it challenging, thinks "it is common sense that the rules of the road are clarified." As such, the Chamber has put forth five recommendations: Adding a compliance defense, limiting liability for the prior actions of an acquired company, adding a "willfulness" requirement for corporate criminal liability, limiting liability for acts of a subsidiary, and defining what constitutes a "foreign official." It appeared these proposals might gain some traction, and then along came Wal-Mart. The charges of bribery in Mexico and subsequent cover-up seems to have dampened interest in modifying, or some would say softening, the FCPA and related enforcement. Certainly Wal-Mart has put tremendous effort into successfully lobbying legislators in both parties – and supporting the President's initiatives in health coverage and pollution control, and the First Lady's on healthy foods to combat childhood obesity – all of which may serve the company in good stead in containing political fallout. But we can also expect notoriety around the Wal-Mart case to signal the continued relevance of the Act and deflect efforts to weaken it. It seems there's an interesting analogy here, where the Wal-Mart bribery case might be to the FCPA what WorldCom was to Sarbanes-Oxley. After Enron imploded, there was stirring inside the Beltway about need for legislation, but nothing much was expected to happen – until a few months later when the WorldCom fiasco hit the headlines, thereby generating momentum that turned into a rush to get a law passed. In this instance, it may well be the converse – a law that might have been weakened is more likely to stay as is, with continued strong enforcement by regulators. We'll stay tuned to see what transpires. |
Vision 2012, 1068 Managing IT Risk and Compliance with IBM OpenPages ITG
Erwin Boeren
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3,171 Visits
Managing IT Risk and Compliance with IBM OpenPages ITG (Track 1068) At IBM Vision 2012, Tuesday May 15th, 1:15 – 2:15 pm I will be presenting Managing IT Risk and Compliance with IBM OpenPages IT Governance. In this session I will take you through the results of the IBM CIO Study 2011 that was recently published and guide you through the IT Risk related subjects. Do you want to understand how Big Data, Cloud, Regulatory Pressure, Business Continuity Management, Disaster Recovery, Identity and Access Management, Segregation of Duties, Automated Controls and Endpoint Controls will influence your GRC strategy? This all comes together in IBM Smarter IT Governance, Risk and Compliance. Hope to see you in Orlando next week! htt Twitter : #Vision12 Blog post by Erwin Boeren Senior Governance, Risk & Compliance specialist IBM Twitter : http LinkedIn : http |
Convergence of Governance, Risk & Compliance, Basel II and Solvency II (Track 1014)
Erwin Boeren
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2,744 Visits
Convergence of Governance, Risk & Compliance, Basel II and Solvency II (Track 1014) At
IBM Vision 2012, Tuesday May 16th, 16:45 – 17:45 pm I will be presenting the Convergence
of Governance, Risk & Compliance, Basel II and Solvency II. In this session I will take you through the most common questions I received from our customers facing Basel II and Solvency II. I will help you understand the challenges from an Operational Risk perspective and speak about how my clients have overcome these challenges. Risk
Convergence, Risk Adoption, Risk Montoring, Loss Registration, Risk Reporting
and Dashboarding and Regulatory Reporting are topics that will be discussed in
this session. Hope to see you in Orlando next week! http Twitter : #Vision12 Blog post by Erwin Boeren Senior Governance, Risk & Compliance specialist IBM Twitter : http LinkedIn : http |
IBM Enhances Risk-Aware Decision Making & Policy Management with New OpenPages Platform Release
Timothy Powers
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2,762 Visits
By Gordon Burnes, Worldwide Marketing, IBM Risk Analytics A key theme at Vision 2012, IBM's three-day user conference for Finance and Risk professionals, is how organizations can leverage enterprise risk information to make better decisions while balancing the demands for risk oversight and regulatory compliance. The current complex and dynamic regulatory environment is a particular challenge for risk and compliance directors. For instance, while organizations covered by Dodd-Frank must respond to current regulatory reporting requirements, less than a third of the associated rule-making has been finished. So, risk and compliance professionals must put in place an approach to meet regulatory requirements that can easily adapt over time as regulations evolve, and this approach includes the capability to adapt internal policies to keep pace with the evolving regulatory environment. During the Risk Analytics Keynote, IBM announced general availability of IBM OpenPages GRC Platform 6.1. This new solution enhances the ability to make risk-aware business decisions, enables companies to react more quickly to regulatory changes through better policy management, and decreases costs and complexity of compliance. Leveraging the IBM Cognos business intelligence platform, OpenPages 6.1 delivers interactive reports and dashboards that allow business managers to turn that risk information into insight and insight into better business outcomes. The new release includes several important enhancements: · Manages lifecycle of policies from creation, review, approval, attestation, and exception management · Standardizes policy templates and approval processes across the business · Allows policies to be structured in a standardized way but presented in narrative form (for editing and review, etc) the way people are used to working with policies · Formalizes process for employee awareness and training and monitoring of campaigns · Maps policies to regulatory library and control framework to increase visibility into policy coverage & adherence and make it easier to update policies as regulations change · Enhanced reporting user interface and framework that empowers business users to explore and analyze risk data using interactive dashboards and reporting for better decision making In summary, IBM OpenPages 6.1: · Enables companies to react more quickly to regulatory changes through better policy management · Enhances the ability to make risk-aware business decisions through easier access to risk and compliance information · Decreases the cost and complexity of compliance with out-of-the-box configurations for policy management.
For more information:
· Read the Vision 2012 Day One Recap
· Read the blog post from Michael Zerbs, VP of IBM Risk Analytics, "Managing Risk: A Global Challenge that Must be Confronted"
· Download the whitepaper, "Managing Regulatory Change - Learn how Dodd-Frank Impacts Regulatory Compliance"
· Follow @IBMRisk & @IBMCognos on Twitter and/or search #Vision12
Compliance Officers Stretched to the Limit
Richard Steinberg
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2,100 Visits
As a compliance officer, you're dealing with increased regulation and expectations, while related resources are subject to budgetary constraints. Yes, senior managements read the headlines and recognize the reputational and related risks associated with legal and regulatory compliance. But what I and others see are compliance functions having to do more, often without a commensurate increase in resources. These observations are consistent with a recent Thomson Reuters survey of financial services companies' compliance professionals. The survey shows that compliance officers are struggling to keep up with increasing demands of global regulation – where rapidly growing regulations and increasing responsibilities, together with limited resources and constrained budgets, are causing compliance personnel to reached a "saturation point." A whopping 84 percent of respondents say they expect to deal with more information from regulators and exchanges this year, with almost half expecting the level to be "significantly higher." The increase is expected to come from such events as splitting of the U.K. Financial Services Authority, added regulatory power of the European Supervisory Authorities, expansion of new and existing U.S. regulatory agencies resulting from Dodd-Frank, and expanded enforcement of such regulations as the U.K. Bribery Act and the U.S. Foreign Account Tax Compliance Act. The survey results show that compliance responsibilities and expectations are diverging from realistic capabilities. For instance, with a key objective being to coordinate with other company professionals involved with regulatory risk, over half of compliance professionals say they spend less than one hour weekly with internal audit colleagues, and one third spend less than one hour per week with legal and risk professionals. And while 70 percent of respondents expect the cost of senior compliance staff to increase this year, only 11 percent of companies expect a significant increase in budgets. Also interesting in the statement that: "While keeping executive management informed of regulatory issues is a key part of the compliance role, more than a quarter of respondents say they spend less than one hour a week reporting to their boards. In the U.S., more than half of the companies surveyed spend less than one hour a week reporting to their boards. This raises concerns about whether executive management is being kept sufficiently informed on compliance issues." Well, it's not entirely clear from this as to the extent of interaction between compliance officers and senior management – one hour a week with the board may be just fine, as long as there's significant interaction directly with executive management. In any event, what we see is compliance departments already working at a fast pace with high efficiency, but they face risks going forward if responsibilities and resources aren't recalibrated to be in sync. |
Looking back at a great IBM Vision 2012, Orlando FL
Erwin Boeren
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2,922 Visits
Looking back at a great Vision
2012 was a great event with many customers speaking, partners and market
analysts. Customer Advisory Board The IBM Customer Advisory Board came together in Monday, the day before the event officially kicked off to discuss the IBM Integrated Risk roadmap and to prioritize future development initiatives. Keynotes Keynotes were presented by Les Rechan (General Manager IBM Business Analytics), Mark Loughridge (CFO IBM) and Alison Levine. Les opened with an energy level high as always! Mark gave a great insight in the financial transformation IBM has gone through and the road ahead. Alison delivered a key note where the whole room hung on her every word. Astonishing how Alison can present and what an inspiring lady she is. All
this is available in recordings on : http OpenPages version 6.1 released At the risk keynote on day 1 by Patrick O'brien and Gordon Burnes the new version 6.1 of OpenPages was released. New features can be found on the IBM OpenPages 6.1 landing page : A new leader for the IBM Risk Analytics pillar Michael Zerbs has been appointed as the new leader to run the IBM Risk Analytics organization. Michael was the President and COO of Algorithmics. He is a recognized expert in risk management for market and credit risk, and has an in-depth understanding of the key risk management challenges that the financial industry faces today. He has authored several papers on pricing models and risk management and is a co-author of Mark-to-Future: A Framework for Measuring Risk and Rewad. Market Analysts impressed by IBM Risk Portfolio Many
analysts could be found in Operational risk is still strong as ever but Policy & Compliance management, IT Risk & Governance and Audit capabilities have grown to such maturity level that IBM is top in Risk Analytics. Customers are expanding on their GRC Environment Clients speaking at the 2 main event days were all expanding their platform to multi discipline risk. Especially risk convergence, standardization, enterprise risk management, IT Risk & Compliance and Fraud & Financial Crimes were topics that came across many times. IBM implemented OpenPages IBM has implemented OpenPages herself, and demonstrated that at day 2. Deborah Dunagan, IBM Transformation Executive demonstrated how IBM reduced her risk cycle times with 30% using IBM OpenPages! With all this excitement we are looking forward to another great year and client success in Risk Analytics. Blog
post by Erwin Boeren Senior Governance, Risk & Compliance specialist IBM Twitter : http LinkedIn : http |
Opposite Ends of the FCPA Spectrum
Richard Steinberg
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2,864 Visits
Chief Compliance Officers, General Counsels and other business executives have long been pushing regulators to provide clarity around the FCPA and more consistent (and appropriately fair) enforcement. Well, companies finally have something reasonably definitive to look at which shows how a well-constructed compliance program implemented in good faith can have extremely positive consequences – it's the recent Morgan Stanley case, which we'll get to in a moment. At the other end of the spectrum is the Wal-Mart fiasco. You know the story – senior Wal-Mart executives knew of millions of dollars being paid to government officials in Mexico to aid expansion in that country, but shut down an investigation. The Justice Department and Securities and Exchange Commission are all over this, and things will not go well for the company. The last thing the DOJ or SEC looks favorably on is executives not reporting a suspected or known violation, and not conducting a full and comprehensive internal investigation. Now proxy advisory firms ISS and Glass Lewis, as well as major public pension funds, are recommending that Wal-Mart shareholders vote against members of the board of directors for neglecting their responsibilities. And there are indications the bribery might extend beyond the Mexican subsidiary. The stock price has taken a hit, the company faces potentially huge fines, executives could wind up in prison, and investors are suing. As is often the case, it's not so much the bad action, but the cover-up. And it's also whether the system, here the compliance process, was well designed, implemented and maintained. Now to Morgan Stanley. The DOJ and SEC have long said that in enforcement actions they give credit to companies for already having a good compliance system in place, but we've seen little direct evidence of that. But now we have a game changer. The problems at Morgan Stanley reportedly arose when Garth Peterson, a managing director, successfully pushed for the firm to sell a real estate interest to a Chinese state-owned company, but it turned out to be a shell company in which Peterson had a direct interest, with related cash payments to himself and a Chinese official. Peterson pleaded guilty, facing a potential six-figure fine and five years in prison. But what happened to Morgan Stanley, or didn't, is the real story here. The DOJ and SEC decided not to bring an enforcement action against the company. The reason – Morgan Stanley has had a strong compliance system, including relevant internal controls. It regularly updated controls to reflect risks of misconduct, and provided extensive training to its personnel, compliance reminders, annual confirmations by personnel, and continuous monitoring. And, when evidence of misconduct surfaced, the firm immediately began and conducted a thorough investigation. So, there we have two well-known brand-name companies, one of which is likely to pay a high price, the other none at all and whose reputation is enhanced. The message now is clearer than ever. Engage in a cover-up, and deal with forceful regulators and angry shareholders. Have an effective compliance system and do the right thing, and the regulators and others will indeed look favorably upon the company. |
TH!NK: Insightful articles on financial risk
Liz Andrews
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1,922 Visits
Many of our GRC members may not be familiar with TH!NK, Algorithmics, an IBM Company's semi-annual magazine exploring the world of financial risk management. However, the June 2012 issue has something for everyone - and is centered on the perspective that to successfully identify and respond to the economic challenges of our times, we must seek a balance between learning from the past and developing the solutions of the future. You will find in this issue articles that seek to explore this balance between past wisdoms and new possibilities, like our cover story "Back to the Future," which revisits capital and its role in the bank of tomorrow. In our latest "In Conversation" piece, IBM's Brenda Dietrich serves as our first IBM contributor to TH!NK, discussing how research and new data systems are changing the way we think about information. Other articles explore some of the most pressing topics in financial services, such as the interconnectivity of risk on the Buy Side or the very real trading benefits to a bank in establishing a CVA desk. As always, TH!NK seeks to build insight and linkages across seemingly disparate realms – such as social media and financial risk management, which as you will read, may not be so disconnected after all. I encourage you to "flip through" this valuable resource - and please visit our Discussion Forum if anything in particular piques your inte |
Compliance Problems Continue in a Niche Industry
Richard Steinberg
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2,356 Visits
You may remember hearing about problems with the College Board, which owns the SAT, and the Educational Testing Service (ETS), which administers the tests. In the recent SAT cheating scandal the College Board and ETS were accused of having lax security and a system that failed to punish cheats. But problems go back further, when a couple of years ago the SAT has serious issues with incorrect scoring of tests. And media reports speak to extensive incorrect scoring and losing test results in England in 2008, with the UK Parliament calling their operation a "shambles." And as far back as 1983 cheating was suspected in California. For details you may want to refer to my blog posting of November 2011, which includes analysis of what the accused organizations did, or rather didn't do, to right the wrongs. Well, we now find another player in this industry accused of wrongdoing. Princeton Review, which provides help to students in preparing for college entrance exams and sells study guides, finds itself accused of defrauding the federal government. An arm of the company that provides after-school tutoring to students at troubled schools is said to have falsified records – including forging student signatures, falsifying sign-in sheets, and making false certifications – in order to boost payments due the company. Relevant is that the company was informed of these allegations back in 2006, but prosecutors, who are now suing, say the fraud continued as nothing was done to fix the system. For what it's worth, Princeton Review reportedly closed its tutoring division and says most of its current management joined the company after the alleged fraudulent activity took place. But what's striking is how the few players comprising this industry have had serious problems – not only in allowing fraud to occur, but also in failing to act in the face of wrongdoing. And this is an industry supposedly driving high academic standards! Yes, we know academic institutions are not immune to misconduct, but we can wonder how these industry players each went so very wrong. And food for thought – do we see other industries with an inordinate number of companies experiencing widespread instances of non-compliance, fraud or other misconduct? And what does that say about the culture not only of the individual organizations, but the industry as a whole? Hmmmm. |
COSO in the Cloud
Richard Steinberg
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2,410 Visits
If you haven't already seen it, it's worth a look – The Committee of Sponsoring Organizations of the Treadway Commission just published a thought paper dealing with risks related to cloud computing. It leverages off COSO's enterprise risk management framework, speaking specifically to issues surrounding hosted services delivered over the internet. The paper is geared not to the techie, but rather to management level personnel who need to understand not only the benefits, but also the associated risks. The paper briefly outlines the many benefits of cloud computing, including greater technology value at lower cost, faster speed of deployment, common technology platforms, reduced need for support personnel and related expenditures, and environmental benefits. Naturally, most of the focus is on the risks. These include the strategic – with lower barriers of entry for new competitors and related challenge to current business models – and dependency on cloud service providers which in turn drives legal and related risks. Others include lack of transparency, reliability and performance issues, security and compliance concerns, and elevated risk of cyber attack or data leakage. The paper also deals with issues inherent in moving to the cloud, such as the extent to which management considers the impact on the company's organization and IT and other personnel resources, noting "In many cloud scenarios, the organization no longer has complete or direct control over technology and technology-related management processes. Management must determine if it has the risk appetite for the entire universe of potential events associated with a given cloud solution as some of these events extend beyond the organization's traditional borders and include some events that have an impact on the [cloud service provider(s)] supporting the organization." The paper also discusses cloud issues in the context of COSO's ERM Framework's eight components, outlining how each can be addressed and used in evaluating cloud computing alternatives. It provides suggestions for dealing effectively with the more significant risks, and highlights key decisions to be made by senior management – as well as responsibilities of C-suite executives – and areas on which the board of directors needs to focus its attention. If your company is already in the cloud or considering going there, the paper is worth the read. |
O papel dos profissionais de TI para GRC
Osvaldo Jose Oliveira Menezes Rellegus TI
0 Comments
2,147 Visits
Coloquemos neste espaço o papel dos profissionais de TI na atuação de GRC.
Podemos dizer que o GRC é recente (2005), e assim sendo, ainda há uma lacuna grande entre os estrategistas de negócio e a área de TI.
Uma coisa fica claro, com o GRC consegue-se administrar muito melhor os investimentos e os retornos sobre os investimentos em TI.
O trabalho para customização do CobiT junto ao Planejamento Estratégico é extenso.
Prezados colaboradores, vamos post
Osvaldo Menezes
Convergence of Performance Management and Risk Management - Part 2
Erwin Boeren
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2,958 Visits
Convergence of Performance Management and Risk Management - Part 2 With
the increase of the Governance, Risk & Compliance maturity level at many of
my clients I see that clients start to realize the benefits of the integration
of GRC activities in their Performance Management cycle. Therefore a follow up
on my previous article around Risk Management and the convergence with
Performance Management. Let me share some insights on Risk & Performance Management initiatives that keep clients busy around Europe. The following 4 items came up in the last 3 months. 1. Cost control and process performance improvement give us the opportunity to embed controls in our process. Lessons learned from Six Sigma and Lean can give us guidance here. 2. How do I manage organizational and regulatory change and monitor the impact on business processes, policies and my risk and control framework? 3. Trending topic is emerging risks, am I able to identity risks that are coming to me over time? 4. Integrated Financial and Risk reporting, an excellent example of 'Where Performance Management meets Risk Management'. Cost control and Process improvements Implementing and testing controls has become a huge cost for many organizations. That is why some of my clients are now looking for a way to reduce cost by embedding controls in their existing business processes. This goes hand in hand with the global initiative on cost reduction. While optimizing or even re designing core business processes internal controls are being embedded in the process. What I see is that the organizations that involve process owners and process contributors are most successful. This is an initiative that we have seen before in Lean Six Sigma projects. The only way to optimize processes and to reduce waste is to involve the process owners. Instead of increasing regulatory pressure we should seek a solution in this area in my opinion. Business cases around this have proven to be very successful and savings up to millions of Euros per year have been achieved. Regulatory change Regulatory changes are a huge concern of many risk, compliance, legal and audit professionals. How can we monitor these changes and how can we understand the impact on our organization? Taking this together with the fact that policy management is changing from a 'must do' once a year to a continuous process tells us that an integrated approach to Governance, Risk & Compliance is necessary to drive performance. I come across clients that have a monthly Performance Report that shows how they derived business objectives from their policies and how they are performing on a compliance level to these objectives. What risks did they identify in this process and how will they respond to these risks? Organizations realize that they need to understand the correlation between processes, policies, regulations, business objectives, risks and controls and how they might impact each other. An integrated GRC view is the only way to face this challenge. Emerging Risk Modelling One of the trending topics among customers is Emerging Risks. Can we model risks that we see coming and can we follow up on risks that are getting closer or fading away? Analytical Risk modeling is an answer to this question. This also let you perform risk forecasting with different scenarios. Interesting question is how the increase of a risk exposure in an operating entity will impact my group level exposure? Risk Analytics, derived from the Performance Management area can help us answer these questions. A financial performance management cycle contains the exact same characteristics. Integrated Financial and Risk performance reporting Financial and Risk reporting are standard items in today's Annual Reports, Tax statements, Management reports and Regulatory reports. The big question is how do I keep all of this information organized in such a way that I understand the source of the information, the transformation it has gone through, the owner of the information and most important when information changes at the last moment that all information output contains the latest version? No bigger reputational risk than sending out inconsistent information to stakeholders. Some organizations saw their share price drop with 25% due to inconsistent external reporting. One of my clients has implemented a solution that orchestrates all of these information sources with workflow capabilities and even XBRL output. From a risk perspective this is a great mitigation of your reputational risk and an excellent example of 'Where Performance Management meets Risk Management'. Blog post by Erwin Boeren Senior Governance, Risk & Compliance specialist IBM Europe Twitter : http LinkedIn : http |
Impact of Big Data, Cloud, Mobile and Regulatory Pressure on your IT Risk and Governance Model
Erwin Boeren
0 Comments
2,901 Visits
Impact of Big Data, Cloud, Mobile
and Regulatory Pressure on your IT Risk and Governance Model. This 30% decrease was established by optimizing and
automating the risk process, end users are now able to complete the whole risk
cycle in one platform with risk identification, risk assessment, risk
management, risk reporting (real time!) and risk monitoring. 2. Customer decreased their manual IT control test
effort with 140 hours per week only for Segregation of Duties and access
management. This was done by automating control tests.
Blog post by Erwin Boeren Senior Governance, Risk & Compliance specialist IBM Europe Twitter : http LinkedIn : http |


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OVERALL: nice smell, lathers well, thickening BUT leaves build-up, greasy, tanglingposted Feb 11, 2013Link to this post -
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CourtHairDry HairColor Treated HairRelaxed HairChemically Treated HairSmells Great, Works Greati bought this after i under went a bleaching\backcombing procedure at the salon and my hair was SUPER damaged. i couldn't run my fingers through it, i couldn't use a hair brush without causing breakage - it was just generally unhappy hair. i used this, and within the first week, my hair was practically back to normal!
this is NOT just for blondes!!! it's for ANYONE, no matter what hair color, with chemically treated and damaged hair. it smells great - it moisturizing WHILE cleaning your hair and it leaves hair manageable! what more could you ask for in a shampoo?!?posted Jan 16, 2011Link to this post -
Paige B.OhioHairAuburnDry HairColor Treated HairFine or Thin HairThick or Coarse HairRelaxed HairChemically Treated HairGreat For People With Damaged Hair In Need Of HelpI was on the fence about this product... I'm a WOC, with realxed hair (fine and thin) and thought this would dry my hair out and make it feel like straw. I was wrong this is what my Hair Needed. This is for PEOPLE WITH DAMAGED HAIR AND ONES WHO GETS CHEMICALS in there hair i.c relaxers, dye, Bleach.
I love this shampoo and the Reconsturor. its helping my hair regain it Stregnth. and One This I notice and (LIKE) is when I wash my hair donsnt break in the shampoo as it would with other brands :) I love that it has keratin and Proteins in it too. This shampoo is for those who needs it :)posted Jul 24, 2010Link to this post -
MaxineLas Vegas, NevadaVery DisappointedI raad good reviews of this shampoo before buying it. The only good thing I can say is that it smells good. It is very expensive and didn't make my hair shiny at all. I am so sorry that I made this purchase, have now gone back to my original shampoo.posted Jun 27, 2010Link to this post
PaigeGuntersville, AL, USThis Saved My Hair.I have naturally near-black hair and I bleached it platinum blonde. It took so many treatments to get it to the right shade that my hair was absolutely fried. It felt like straw no matter how many smoothing products I tried on it or how much I conditioned it and it looked brittle and lifeless. Every time I brushed it, it broke off and felt horrible. I got the Dumb Blonde shampoo and conditioner and after just one use, my hair is soft and silky and shining. I didn't think anything would make it feel natural again, but with this, it's silkier than it was before I bleached it! And it smells good, too!posted Feb 1, 2010Link to this post
AliHorribleAll it does it dry out your hair. My hair felt like straw. The only thing good about it is that it smells beautiful.posted Sep 3, 2009Link to this post
Kate EGreat ShampooI have very highlighted hair, with tons of blonde. I use this shampoo everyday and it maintains my color really well. I love it!posted Jul 23, 2009Link to this post
AnonMoisturizing And Very SoothingI bought the large bottles of TIGI Bed Head Dumb Blonde shampoo and conditioner for the great deal of only $22 for both bottles. This shampoo has a very pleasant strawberry-candy scent that doesnt really stay on my hair but does smell very good while Im using it. I find that not a single strand of my coarse, thick hair ends up in the shower drain when I use this because it is so non-abrasive. This is the only shampoo that makes me hair feel both clean and super soft before using any conditioner, and trust me, I have gone through a lot of different shampoos. There is so much strength-building protein in this shampoo that I only use it a couple times a week so that I dont get any reverse effects. It lathers so richly that I have no problem getting the shampoo right up into my roots, a problem I often have with thinner shampoo formulas. I highly recommend this product, even though my hair is not bleached or colored. It has great moisturizers that make my hair feel so healthy, soft, and smooth. Five stars.posted Jul 8, 2009Link to this post
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Cards, Nats open four-game set of NL heavyweights
After winning all six meetings in '13, Redbirds send Waino vs. Jordan
It may be a stretch to suggest two teams from different divisions have established themselves as rivals, but in some ways, the Cardinals and Nationals have done just that.
Though both are highly respected and consistently picked to win or heavily contend for their respective division titles every year, the Cardinals have had their way with the Nationals, dating to October 2012, when St. Louis knocked off heavily favored Washington in a dramatic National League Division Series.
In 2013, the Cardinals and Nationals played six times, with the Cards winning every one of them.
So, in that vein, the Nationals may feel they have some work to do this week, beginning with the first of a four-game home set with St. Louis on Thursday.
Then again, is there ever a time during a season when there's not work to do?
"Every game's different in that respect, but we have to play well if we're going to challenge them or beat them," Nationals manager Matt Williams said. "If we ever want to get to where we want to get to it's through those guys, and it's through the Braves, through the Marlins, and everybody else, too. It's presented to you every day. What are you going to do with it?"
Nationals right-hander Taylor Jordan will attempt to end the winning streak against his team in his first career appearance vs. the Redbirds. The 25-year-old gave up five runs on 10 hits to the Braves over five innings in his last outing and has allowed six earned runs over 11 1/3 innings in his first two starts of the season.
The Cardinals will counter with ace right-hander Adam Wainwright, who brings two important elements to this game: durability -- he has gone seven innings in each of his first three starts this season -- and a nice recent history vs. Washington. He won both starts against them in 2013, posting a 1.76 ERA.
Cardinals: Bullpen stretched?
Wainwright's ability to pitch deep into games may be the Cardinals' best weapon this time around. The start comes one day after starter Joe Kelly left the game with a hamstring injury, which forced the bullpen to absorb the final four innings in the Cards' loss to the Brewers.
Incidentally, Wainwright's last outing also came a day after the bullpen was needed to cover five frames in an extra-inning loss. Given the Cardinals' current stretch during which they are playing 20 games in 20 days, the timing is right for a typical Wainwright start, or at least, something close to it.
Nationals: Harper a late scratch
While insisting it's "nothing too serious," Bryce Harper's nagging tight left quad has kept him out of action quite a bit lately. He has been nursing the injury since last Friday, exited two consecutive games because of it and was a late scratch in the finale with the Marlins on Wednesday.
A healthy Harper would be an obvious lift to the lineup, given his numbers over the last eight games: a .483 batting average, three doubles, one triple, a homer and five RBIs.
Anthony Rendon is also off to a hot start. He entered Wednesday's game 7-for-21 with runners on base, with six of the hits for extra bases.
Worth noting
• Both teams are ending strings of 15 consecutive games against division opponents to open the season. The Cardinals have faced all four of their NL Central counterparts, winning four of five series.
The Nationals have played the Marlins and Braves twice and the Mets once. Their next 25 games will feature 22 against non-NL East opponents.
• Cardinals shortstop Jhonny Peralta will enter Thursday riding a four-game hitting streak that started after Mike Matheny's decision to sit him on Saturday. Peralta opened the season with just two hits in his first 32 at-bats.
Alyson Footer is a national correspondent for MLB.com. Follow her on Twitter @alysonfooter. This story was not subject to the approval of Major League Baseball or its clubs.


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Sounds cool. Linux needs one killer game to get people to see it as a serious gamer platform.
Phoronix: Unigine Engine Now Supports OpenGL 3.2
The Unigine Engine is arguably the best gaming engine that supports Linux with its very impressive graphics and growing set of features, albeit there's a lack of games that actually use this engine on Linux besides a few tech demos (found in the Phoronix Test Suite). Earlier this year we found out that Unigine Corp was working on their own game and it looked to be a very exciting project...
Sounds cool. Linux needs one killer game to get people to see it as a serious gamer platform.
Quakes, ETs are there and so is Doom 3.
It has not changed a lot.
ETQW lacks some setting on Linux.
So there is a need for most modern games compatibility with Linux.
One of the most important things is the ability to install the game easily.
Most people will not bother to read manuals and moreover forums just to install the game.
And it's not that easy with different distros utilizing different system layout, package systems, sound options etc ...
Gentoo is the best to handle this. All mentioned games are in portage tree and very easy to install.
But Gentoo is not for newbies. Game publishers should release or at least help distributions like Ubuntu Suse and RedHat to build their packages.
The installer that HoN uses is probably the best way without having to worry about package management. It's just a bash script that uses a simple X gui.
And all of the files are installed to ~/HoN, and it creates a .desktop file so that Gnome/KDE will insert it into the menu.


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Dickey ignores soreness looking to even series
Orioles counter with Gonzalez, who is aiming to get on track
R.A. Dickey is no stranger to pitching through aches and pains, and the Blue Jays right-hander will do so again when he makes his scheduled start against Miguel Gonzalez and the Orioles on Tuesday night at Camden Yards.
Dickey will be looking to pull the Blue Jays even in the American League East foes' first series of the year after the Orioles took a 2-1 walk-off win in Monday's opener. He will pitch despite leaving his last start with tightness in his upper back and neck.
Dickey (2-2, 4.30) experienced the problem against the White Sox on Thursday, when he recorded his second consecutive strong outing, throwing six shutout innings with seven strikeouts. He exited despite throwing only 64 pitches, describing it on Monday as feeling "like a knot … that emits pain."
"I don't know if I would consider it a stabbing sensation, but you know it's there," Dickey said.
While Dickey has not dealt with this exact injury before, he pitched with a torn plantar fascia in 2011 and a torn abdomen last year, when he won the National League Cy Young Award. He played catch on the side this week instead of doing his usual bullpen session to help with the healing process.
"It's just part of getting older and still being able to juggle it all," he said.
The Orioles will counter with Gonzalez (1-1, 4.00), who is coming off the least effective of his three starts Thursday against the Rays. The righty enters having allowed eight earned runs in 18 innings.
Blue Jays: Arencibia brings power behind dish
• When J.P. Arencibia slugged his team-leading seventh home run Sunday, it gave him 47 since the start of the 2011 campaign, the most among Major League catchers. He sits one ahead of Baltimore backstop Matt Wieters.
Arencibia's seven homers are tied for first in the AL with the Orioles' Chris Davis and the Indians' Mark Reynolds, who played for Baltimore the past two years. Arencibia is also second in the league with 29 strikeouts, while walking only twice, and his on-base percentage sits at .273.
• When Adam Lind was called out on strikes in the seventh inning of Monday's game, it ended a streak of nine consecutive plate appearances in which he had reached base. Lind singled and walked in his first two trips to the plate Monday after walking in his previous five, dating back to Saturday.
Orioles: Burnett can fill innings in 'pen
• Right-hander Alex Burnett was called up from Triple-A Norfolk prior to Monday's game, when the Orioles optioned starter Jake Arrieta there. Burnett will pitch out of the bullpen, which has been overworked of late.
"He can give us some length," manager Buck Showalter said. "In the American League East, length is two innings. He's capable of pitching that much. Whether Toronto lets him pitch that much, we'll see. Pretty even splits down there, so whether that correlates to the big leagues, we'll see."
Baltimore selected the 25-year-old off waivers from Toronto on April 12, about two weeks after the Jays claimed him off waivers from the Twins. Burnett, who is 8-11 with a 4.61 ERA in 174 big league relief appearances, recorded three scoreless outings while at Norfolk.
Worth noting
• Dickey has pitched at Camden Yards only twice, once in 2003 and once in '10. Orioles hitters are a combined 5-for-37 (.135) against him, with no home runs.
• Gonzalez went 1-1 with a 4.32 ERA in three games against the Blue Jays last season, including a May 29 relief appearance that marked his Major League debut.
Andrew Simon is a contributor to MLB.com. This story was not subject to the approval of Major League Baseball or its clubs.


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You've landed in the archive of the Cambrian House community. We've kept some pages here for posterity but the community is no longer active. Now we market the technology that made our early crowdsourcing a success.
Can we help you get to Cambrian House the company? – Come on over.
Are you seeking crowdsourcing technology? – Check out Chaordix by Cambrian House.
Thanks for dropping by
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After over two years of working with members to help build ideas and businesses, we are now using our technology to help enterprises harness the power of the crowds. To learn more, please visit http://www.chaordix.com/.


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Bio Freezer Bags
Customers Also Bought
Food Storage Bags are Biodegradable
These handy, double-zip freezer bags are easy to open and close and keep food fresh. When it's time to dispose of them, you can toss them guilt-free because they're biodegradable.
- BPA-free LDPE plastic with FDA compliant ENSO biodegradable additive
- Gallon-sized bags are 10-1/2" W x 12" H overall; you'll get four boxes with 30 bags per box (120 bags total)
- Bags will biodegrade when disposed of in an active microbial environment; not intended for home compost piles
Reviewed by 4 customers
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Displaying reviews 1-4
- Just Thick Enough Sturdy
- None
Best Uses
- Bag To Avoid Ice Crystal
- Freezing foods
- s
- Slip Ice Cream Carton In
I have been looking for a sturdy bag for the freezer. This is perfect for slipping a small container of ice cream in - no ice crystals that way!
- Was this a gift?:
- No
- Fantastic
- Sturdy
- Terrific
- none
Best Uses
- Frozen Fruit
- Frozen veggies
- Popcorn
I am very pleased with the quality of these bags! I will definitely use them and buy them again!
- Was this a gift?:
- No
Best Uses
These are so good and useful that I gifted a box to my Mom-in-law. They are very nice and actually partially re-usable as long as you don't put hot food into them.
- Was this a gift?:
- No
Best Uses
These are somewhat misleading - biodegradable bags. Normal time for plastic degradation - 500 years, These bags are just the same plastic, but with an additional "component" that make them degrade in 5 years. That is all. Same plastic, same toxic production, additional "component", Thus, they are not guilt free, just reduced
- Was this a gift?:
- No
Displaying reviews 1-4
There are no special shipping restrictions or charges associated with this item. For detailed information about our delivery methods and charges, click here.
We're proud of the fact that this item is shipped to you directly from our warehouse in Vermont, by one of our 250 employee-owners. In-stock items are packed with care and shipped within the next business day to ensure prompt delivery to your home and garden!


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Black 3-Arm Electrical Ceiling Hardwire Kit
Trouble finding shades that fit
I loved the look of this fixture in store, but didn't want the burlap shades. I went ahead and bought the fixture and chose different shades instead. Unfortunately the end fixtures (where the bulb goes in) seem to be larger than a standard shade frame opening, so the shades didn't fit. So now I'm trying to decide whether to go with the burlap shades that World Market offers with the fixture (not crazy about the texture and color), or just return the entire fixture. For now it's hanging in my dining room with bare bulbs on it - a very industrial look, I guess.
Also, I think I would have preferred the fixture in silver, not black.
September 23, 2012
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No one wants to get pinched on St. Patrick's Day! Be sure to lock in your kelly green look while also boasting your Jets spirit with this Dempsey tee from Old Time Hockey. It features a distressed shamrock graphic on the front with a Winnipeg logo. With this tee, your Jets spirit can't be missed while sportin' a perfect St. Patty's Day look.
- Distressed screen print graphics
- Officially licensed
- Rib-knit collar
- Tagless
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Women's Basketball
Department Directory
Mission Statement
Joe Castiglione
VP for Inter. Ath. Programs, A.D.
Castiglione's Sooner team has worked to create a place where competitive dreams come true & academic goals...
Larry Naifeh
Executive Associate A.D.
Naifeh's areas of responsibility for the Athletics Department include contracts, legal issues, capital improvement...
Michael Alford
Sr. Associate A.D./Development
Michael Alford joined the University of Oklahoma in November 2012 as senior associate..."
Dr. Nicki Moore
Sr. Associate A.D./SWA
Dr. Moore directs strategic planning for the department, has taught at the undergraduate and graduate levels...
Kenny Mossman
Sr. Assoc. A.D./External Operations
Kenny Mossman joined the OU staff in August of 2001 as director of media relations. In August of 2002, he was...
Luther Lee
Associate A.D./Chief Financial Officer
Lee is responsible for developing and monitoring the department's budget in addition to managing the day-to-day...
Jason D. Leonard
Executive Director/Compliance
Jason Leonard became the executive director of athletics compliance in December, 2006. In his current role...
Mike Meade
Associate A.D./Academic Services
Mike Meade joined Oklahoma Athletics in December 2012 as associate athletics director...
Lindy Roberts
Associate A.D./Events & Facilities
A familiar face in the OU Athletics Department, Lindy Roberts joined the administrative team in January 2010...
Greg Tipton
Associate A.D./Internal Operations
A long-time member of the Oklahoma staff, Tipton was promoted to Associate Athletics Director for Internal...
Danny Davis
Assistant A.D./Events & Facilities
A long-time University of Oklahoma employee, Danny Davis began his career in August 1976 as a student...
Brandon Meier
Assistant A.D./Broadcast Operations
Meier oversees SoonerVision, the multimedia production center for OU Athletics, which includes the...
Charlie Taylor
Assistant A.D./Tickets
Taylor's responsibilities at OU include directing the marketing and promotion efforts for OU's 21 intercollegiate...
McK Williams
Assistant A.D./Ticket Operations
Williams leads all ticket operations and works in conjunction with the Sooner Club and Marketing on all ticket...
Joe Washington
Special Assistant to the A.D.
Joe Washington returned to Norman to serve as Special Assistant to the A.D. and Executive Director of Varsity O...
Merv Johnson
Special Assistant to the A.D.
One of the most respected members of the Sooner staff, Merv Johnson joined the Oklahoma family in 1979 as an...
Sooners in NFL Draft
Fourth Perfect Game
Sooners Win Bedlam Finale


text:
Mouse over publication images for a brief description.
Ditch the product pitch: Winning through customer-focused content Pitches don't sell products—emotional connections do. How to win customers' hearts through personalized content. |
Asset Management M&A Insights: In pursuit of growth This publication provides perspectives on the recent trends and outlook relating to asset management mergers and acquisitions activity in the US. |
Rebooting wealth management Over the next 50 years, more than $41 trillion in assets will be transferred between generations. To stay competitive, wealth managers and their firms must invest to improve technology, processes and strategy. Learn how Salesforce and PwC can help your firm maximize client relationships. |
Current Developments for Mutual Fund Audit Committees: 31 December 2014 In this issue, we highlight the results of our report on the future of Exchange Traded Funds, ETF 2020: Preparing for a new horizon. We provide an update on the blue sky state registration process, discuss highlights of PwC's 2014 Financial Services Audit Committee Forum, review the new tax rules on mutual funds that President Obama signed into law, and summarize mutual fund audit committee developments and articles of interest. |
Stay informed: Financial Services 2014 SEC comment letter trends Understanding the SEC staff's recent areas of focus and applicable accounting or reporting guidance for financial services registrants. |
Seed capital: Investing in product innovation PwC's Seed Capital Program Survey collates data from 16 participating asset management firms regarding their seed capital program strategies. This article summarizes several of the survey's key findings. |
State of compliance 2014: Financial services industry brief Even though the corporate compliance function is better developed in the financial services sector than in other industries it continues to evolve. |
Certain total return derivatives facing increased scrutiny On July 22, 2014, the Senate Permanent Subcommittee on Investigations ("PSI") held a hearing entitled "Abuse of Structured Financial Products: Misusing Basket Options to Avoid Taxes and Leverage Limits." Although the purpose of the hearing was to probe the use of a particular trading strategy by certain hedge funds, it may result in increased scrutiny around total return derivatives and swaps in general and may further shed a negative spotlight on the industry. |
Asset manager SIFI designation: Enter SEC Expect more SEC scrutiny of asset managers, and Fed supervision of the very largest. |
Making the middle office top of mind: Transforming the asset management middle office to a bottom-line contributor Leading asset managers are rethinking the middle-office function and using right-sourcing to cut costs and bolster revenue. |
Nonbank SIFIs: No solace for US asset managers A few, large US asset managers continue to be poised for designation as nonbank SIFIs. |
Asset Management 2020: A Brave New World This report explores how the asset management industry's operating landscape will change by 2020, and explains how asset managers can prepare for the challenges ahead and turn them into competitive advantages. |
New guidance on US withholding on dividend equivalent payments on swaps over US equities On December 5, 2013, new guidance was released regarding derivatives over US equities that call for dividend equivalent payments that can be subject to up to 30 percent gross US withholding tax. Final regulations extend (to December 31, 2015) the current four factor scheme in section 871(m)(3)(A) for determining whether dividend equivalent payments on swaps are subject to US withholding tax |
How global tax reforms might impact ETF efficiency: A look at the implications for ETF strategy and structuring Due to their low costs and potentially greater tax efficiency, ETFs offer a very efficient return to investors. ETFs' tax advantages have contributed to their strong competitive position and growth. But a rapidly changing tax environment will present challenges as governments around the globe seek to bridge budget deficits. By staying on top of these changes, sponsors can mitigate adverse effects while remaining compliant with changing global tax laws. |
The next generation of ETFs: Why every asset manager needs an ETF Strategy Exchange traded funds (ETFs) have enjoyed two decades of explosive growth. Evolving and proliferating as they attracted new users, ETFs went from a single vehicle providing exposure to large cap US equities to thousands of products representing a dizzying range of asset classes and strategies. As ETFs reshape their environment all over again, asset managers and intermediaries alike will want to have strategies in place to deal with the changes sweeping across the competitive landscape. |
ETFs: How innovators and regulators are shaping growth in the Asset Management industry As Exchange Traded Funds (ETFs) enter their next phase of growth, much rests on the actions of the regulators. Innovation created ETFs and equipped them to achieve success through flexible, inexpensive and tax-efficient tracking of broad-based market indices. While growth in ETFs is set to continue, the pace of expansion likely will be impacted by regulations. |
PwC Mutual Fund Directors Roundtable: 2013 highlights Professionals from PwC's Asset Management practice and directors from the boards of some of the nation's leading mutual fund groups gathered for informal discussions of the industry's key issues and significant challenges. The perspectives presented give insights on leading practices in mutual fund oversight, how directors are meeting the challenges they face, and offer a view into the evolving role of directors and boards in the mutual fund industry. |
The Connected Advisor: The Rise of Digital and Social Advice in Wealth Management This paper examines the four forces of change that are shaping wealth management - shifting demographics, changing client behaviors and expectations, rising technological innovations and emerging disruptive competition. |
Strategic Imperatives for Asset Managers This paper presents a thematic introduction to the issues the asset management industry is facing, the key implications to asset managers, and the questions firms should be asking to best adapt their strategies and take advantage of these new and emerging industry demands. |
Alternative Investment Fund Managers Directive - Impact on US Managers This FS Regulatory Brief is intended to inform US asset managers of the possible consequences of AIFMD, and answer some frequently asked questions. |
9 new rules of IT strategy for asset management The asset management industry is in the midst of significant structural change, with primary drivers including shifting investor preferences, pricing pressure and uncertain markets. While we see significant variation in how firms are adapting to these changes, we have identified many situations where asset management firms' business and IT strategies are at risk of misalignment. |
PwC Asset Management Highlights: How asset management firms award and manage talent This summer, PwC conducted a webcast titled: "Highlights from the 2011 Asset Management Reward and Talent Management Survey." During the webcast, PwC practitioners discussed general insight regarding headcount growth and talent-management trends, and deeper details surrounding a number of compensation issues including quantum and design, annual-incentive plans, deferred compensation and equity-based compensation, employee benefit plans, and issues related to governance and the regulatory environment. |
From black box to open book: Hedge fund trust and transparency US hedge funds have significantly enhanced their transparency, controls and infrastructure, helping to win the trust of institutional investors that is critical for their future growth. Across the hedge fund value chain, a new framework is emerging that is improving investor protection. But this evolution remains a work in progress, with inefficiencies and areas for improvement yet to be addressed. |
Top Issues Facing Asset Managers The asset management industry faces challenging markets, regulatory reform, competition for clients and talent, and new expectations from investors, regulators, industry partners and other stakeholders. In spite of these challenges, the asset management industry is positioned for future growth. |
A fast take on the impact of the Dodd-Frank Act on asset management firms Several provisions of the Dodd-Frank Act impact the asset management industry, either directly as regulated investment advisers, or indirectly as participants in the markets. Here is a summary of how Dodd-Frank impacts asset managers. |
Asset Management Alert: India proposes legislative tax amendments India proposed legislative amendments to its income tax law that include the introduction of general anti-avoidance rules and provisions to retroactively tax indirect transfer of shares of overseas entities with substantial underlying Indian asset value. |
2011 US Asset Management reward and talent management survey PwC's 2011 US Asset Management Reward and Talent Management Survey gives human resource leaders insight into emerging trends and best practices in talent acquisition and retention. Volatile financial markets, minimal M&A activity, global regulatory reform and greater investor scrutiny continued to pressure asset managers, HR leaders are redesigning incentive and governance structures to support evolving business objectives and grow their human capital base. |
Attracting pension plan assets: What alternative investment managers need to know Retirement plan sponsors are reconsidering alternative investments like hedge funds and private equity funds due to the lower historical volatility and higher returns. Alternative investment managers need to be aware of increased data requests to satisfy the increased transparency requirements of institutional investors. |
How do the proposed FATCA regulations impact Asset Managers? Long-awaited proposed regulations providing guidance on FATCA issued -- including specific implementation issues relevant to asset managers. |
Asset Management M&A Insights: In pursuit of growth This publication provides perspectives on the recent trends and outlook relating to asset management mergers and acquisitions activity in the US. |
Cayman Islands launches FATCA notification and reporting portal The Cayman Islands Department for International Tax Cooperation on March 23, 2015 launched its Automatic Exchange of Information Portal (Portal) enabling reporting Cayman financial institutions (Reporting FIs). |
Follow up to the OECD BEPS reports: Impact on the asset management industry This Insight addresses the OECD's Base Erosion and Profit Shifting (BEPS) project and what it means for the asset management industry. |
Seed capital: Investing in product innovation PwC's Seed Capital Program Survey collates data from 16 participating asset management firms regarding their seed capital program strategies. This article summarizes several of the survey's key findings. |
Fund of funds tax considerations: Managing investor and regulatory demands This document summarizes fund of fund tax considerations as discussed during a webcast by a panel of asset management, state and local tax, and technology specialists within PwC's Asset Management Tax practice. |
Hedge fund administration: 4 trends that may drive new growth With growth opportunities for hedge fund administrative services decreasing, where will new demand come from? The answer lies in competitive forces now shaping the asset management industry. Learn which four key industry trends could drive new growth in hedge fund administration, and how these emerging changes could affect your business. |
Certain total return derivatives facing increased scrutiny On July 22, 2014, the Senate Permanent Subcommittee on Investigations ("PSI") held a hearing entitled "Abuse of Structured Financial Products: Misusing Basket Options to Avoid Taxes and Leverage Limits." Although the purpose of the hearing was to probe the use of a particular trading strategy by certain hedge funds, it may result in increased scrutiny around total return derivatives and swaps in general and may further shed a negative spotlight on the industry. |
Recent IRS ruling prompts another look at multi-year incentive compensation arrangements This tax alert provides a summary of a Revenue Ruling released by the IRS last week, which reinforced the ability of fund managers to use options and stock appreciation rights in a multi-year compensation arrangement. |
Asset classes in the alternatives industry – What's hot, what's not In response to today's continuing low interest rates, asset managers are exploring new asset classes in search of higher yields. To address this trend within the alternative investments industry, PwC hosted a webcast to provide information on the market activity within specific asset classes, including what is attractive about each class, structuring opportunities and strategies, and the tax implications. This document summarizes the issues discussed by a panel of tax and asset management specialists from PwC's Asset Management Tax, Washington National Tax Service, and Cleantech & Sustainable Business Solutions practices. |
How does the recent FATCA guidance affect asset managers? In this Tax Insight, read about how the extensive new FATCA regulations issued by the US Department of the Treasury and the Internal Revenue Service will affect asset managers. |
Net Investment Income Tax: Application to alternative investments The Patient Protection and Affordable Care Act of 2010 imposed on individuals, estates, and trusts a new Medicare tax equal to 3.8% on Net Investment Income ("NII") starting in the 2013 tax year. On November 27, 2013, Treasury issued much anticipated final regulations, effective for tax years beginning after December 31, 2012. In addition to the issuance of the final regulations, the IRS issued 2013 proposed regulations to provide guidance on issues not addressed in the 2012 proposed regulations. |
Tax alert: Sun Capital Partners court case ruling A recent case involving private equity fund Sun Capital Partners IV, LP (Fund IV), highlighted a potential issue for private equity funds that invest in portfolio companies with unfunded pension liabilities. |
What does the Cayman Islands IGA really mean for the asset management industry? This alert addresses FATCA and the recent negotiation of the IGA between the United States and the Cayman Islands. Through a series of FAQs, this alert describes what the Cayman/US IGA means for the asset management industry by addressing some of the more relevant implications of the Cayman/US IGA for asset managers based on the IGAs signed to date. |
Implications of net investment income tax for asset managers The Patient Protection and Affordable Care Act of 2010 passed a new Medicare tax of 3.8% on Net Investment Income ("NII"), effective January 1, 2013. Although this new tax is applied at the individual level, partners will require a thorough analysis of their "net investment income" from pass-through entities. |
Federal, State, and International Tax Audits in the Alternative Investments Industry This Q&A document summarizes the key issues addressed in the PwC webcast, Tax Audits in the Alternative Investments Industry . |
Alternative Investment Fund Reporting Under the New Cost Basis Reporting Regime In response to the broker cost basis reporting requirements, the IRS has released a revised Schedule D - Capital Gains and Losses and a new supporting schedule, Form 8949 – Sales and Other Dispositions of Capital Assets for partnerships and corporations for tax year 2012. This new form is intended to assist the IRS with the reconciliation of a taxpayer's basis records and the amounts of gains and losses being reported with its brokers' records of such amounts. However, it is not expected to be used to reconcile differences that result when a taxpayer and a broker do not agree on the particular lot that has been relieved and so it emphasizes the importance of funds and brokers addressing lot relief methods upfront. |
12th Annual Alternative Investments Seminar highlights PwC is hosted its 12th Annual Alternative Investments Seminar in nine US cities in 2012 and in several key international centers. This document provides highlights from the 2012 New York Alternative Investments Seminar. |
From black box to open book: Hedge fund trust and transparency US hedge funds have enhanced transparency, controls and infrastructure, gaining the trust of institutional investors. Across the hedge fund value chain, a new framework is emerging that is improving investor protection that is still in process. |
Attracting pension plan assets: What alternative investment managers need to know Retirement plan sponsors are reconsidering alternative investments like hedge funds and private equity funds due to the lower historical volatility and higher returns. Alternative investment managers need to be aware of increased data requests to satisfy the increased transparency requirements of institutional investors. |
Form 8938 and Specified Foreign Financial Asset Reporting for Alternative Funds under §6038D In December 2011, the IRS issued a final version of Form 8938, Statement of Specified Foreign Financial Assets, along with instructions. Form 8938 is devised to facilitate the SFFA reporting requirements of §6038D, and requests information on account owner, type and value. This document provides an overview of the current filing requirements and the type of assets that are required to be reported. |
Asset Management M&A Insights: Navigating through stormy markets The instability and uncertainty of recent markets has left merger and acquisition activity unchanged from depressed levels in prior years, despite pent-up demand among buyers. Growth is clearly back on corporate agendas as CEOs are focused on how to best capture and maximize new revenue opportunities. Learn more in this inaugural issue of Asset Management M&A insights. |
US Asset Management - The State of the Industry This paper explores what we believe to be among the key challenges facing the industry, as it continues to grapple with a number of difficult issues, including: Product development, Evolving investor expectations, Mergers & acquisitions, Global tax risk, Global sourcing, Tax optimization, Performance measurement, Talent management, Regulatory change (including Dodd Frank, FATCA and more). |
Hedge Funds 2.0: Infrastructure: From Cost to Benefit This paper outlines why stronger hedge fund sector infrastructure is essential and discusses what this involves and the benefits it will bring |
Asset Management M&A Insights: In pursuit of growth This publication provides perspectives on the recent trends and outlook relating to asset management mergers and acquisitions activity in the US. |
Desert Capital: A REIT's Guide to Transfer Pricing? A court case focusing on intercompany transactions between a Real Estate Investment Trust ("REIT") and its Taxable REIT Subsidiary ("TRS") was recently concluded. The case is significant because it specifically addresses the interplay between the REIT and transfer pricing rules of the Internal Revenue Code ("IRC"). |
Exchange Traded Funds (ETFs): Outlook to 2020 Exchange Traded Funds (ETFs) are no longer considered a niche product. New investor segments continue to integrate ETFs into their portfolios and fund sponsors continue to introduce new products. |
Cayman Islands launches FATCA notification and reporting portal The Cayman Islands Department for International Tax Cooperation on March 23, 2015 launched its Automatic Exchange of Information Portal (Portal) enabling reporting Cayman financial institutions (Reporting FIs). |
PwC Real Estate Investor Survey - First Quarter 2015 The PwC Real Estate Investor Survey is widely recognized as an authoritative source for capitalization and discount rates, cash flow assumptions, and actual criteria of active investors, as well as property market information. |
IRS issues additional tangible property guidance providing further relief to taxpayers In a move designed to simplify and reduce filings, the IRS recently released Rev. Proc. 2015-20, which provides further relief for small business taxpayers, including some entities owned by larger businesses, striving to comply with the final tangible property 'repair' regulations (TD 9636) and related final 'disposition' regulations (TD 9689). This alert provides insights and recommendations for taxpayers in the real estate industry regarding this new guidance. |
FIRPTA reform passes Senate Finance Committee The Senate Finance Committee recently passed certain changes to the (FIRPTA) which generally subjects non-US persons to tax on sales of United States real property interests. The bill was passed unanimously, evidencing bipartisan support. While this is an important step in the legislative process, the bill would need to be passed by both Houses of Congress and signed into law by the president before it became effective. |
US Real Estate Insights: Winter 2015 In this issue, we are pleased to provide insightful articles in two areas of increased focus within the real estate investing community – the global search for investment opportunities, and the impact of technology and generational preferences on the way commercial real estate is utilized. |
Roadmap for a REIT IPO or conversion for traditional and non-traditional real estate companies These PwC guides are prepared to help both traditional and non-traditional real estate companies address the IPO and REIT conversion process. |
REIT Preferential dividends and management fee structures The IRS has recently ruled in PLR 201444022 that separate classes of shares of a REIT would not be recognized as separate where the separate classes were offered solely to implement a tiered investment advisory fee structure in which the amount of the fees effectively borne by the shareholders would vary based on the amount invested by the shareholders. As a result, the REIT distributions would be preferential and would not be eligible for the dividends paid deduction. |
Emerging Trends in Real Estate® 2015 What are the best bets for investment and development in 2015? Based on personal interviews with and surveys from more than 1,000 of the most influential leaders in the real estate industry, this forecast will give you a heads-up on where to invest, which sectors and markets offer the best prospects, and trends in the capital markets that will affect real estate. |
Proposed regulations on the definition of real property for REITs On May 9, 2014, the IRS released proposed regulations ("Proposed Regulations") which are intended to clarify the definition of "real property" for purposes of the asset tests applicable to real estate investment trusts ("REITs"). The IRS's expectation is that taxpayers will be able to utilize the additional guidance in the proposed regulations to analyze whether their assets qualify as real property in lieu of seeking private letter rulings. |
A comparative analysis of the real estate related provisions in the Camp, Baucus, and Obama proposals This tax alert compares and contrasts provisions in the three proposals provided by David Camp, Max Baucus and President Obama that are particularly focused on real estate businesses. |
Baucus Tax Reform Proposals and Real Estate This PwC alert highlights the recent tax reform proposals proposed by Senator Max Baucus, who chairs the Senate Finance Committee (the "Baucus Proposals"). The proposals include a variety of proposed changes that could have a dramatic impact on those in the real estate industry, including REITs, real estate funds and their investors. |
Final Net Investment Income Tax Regulations: impact on real estate investments This alert explores how some of the changes that were enacted as part of the Health Care and Education Reconciliation Act of 2010, the Medicare Contribution Tax ("MCT," also referred to as the Net Investment Income or NII tax) affect real estate investments as well as additional considerations relevant to our industry. |
Real Estate 2020: Building the future As confidence returns to real estate, the industry faces a number of fundamental shifts that will shape its future. PwC has looked into the likely changes in the real estate landscape over the coming years and identified the key trends which, we believe, will have profound implications for real estate investment and development. |
PLR 201315004: The IRS rules favorably on a REIT's prohibited transaction issues The IRS has recently ruled in PLR 201315004 that net income derived from sales of a portfolio of properties may not be treated as income derived from prohibited transactions. |
The overhaul of lease accounting: Catalyst for change in corporate real estate The proposed lease accounting changes may provide a catalyst for change to companies' real estate operations that go well beyond what is required for the accounting change. As a result, this is causing many companies to reconsider other aspects of their operations with respect to real estate - both owned and leased. |
Emerging Trends in Real Estate® 2013 Now in its 34th year, Emerging Trends is one of the oldest and most trusted sources for the annual industry outlook for the real estate and land use industry, with interviews and survey responses real estate experts, investors, developers, property company representatives, lenders, brokers and consultants. |
The impact of the repair regulations on the real estate industry The IRS recently published Notice 2012-73, which announced an intent to delay the effective date of the "repair regulations" that provide new rules related to the acquisition, production, or improvement of tangible property until taxable years beginning on or after January 1, 2014. |
Impact of new Medicare contribution tax on real estate investments This alert summarizes the mechanics of the 3.8% Medicare Contribution Tax and its impact on U.S. investors with domestic and/or foreign real estate investments. |
Real Estate Tax Alert: Private Letter Rulings 201216007 and 201220012 The IRS issued proposed regulations regarding the circumstances in which a REIT will be subject to corporate level tax on the built-in gains in property received by the REIT from a C Corporation (the "BIG tax"). |
PIRS issues proposed regulations on Built-in Gains Tax The IRS issued proposed regulations regarding the circumstances in which a REIT will be subject to corporate level tax on the built-in gains in property received by the REIT from a C Corporation (the "BIG tax"). |
Real Estate Tax Alert: Summary of REIT Private Letter Rulings This alert summarizes certain significant private letter rulings issued by the IRS to REITs during the last year. |
Real Estate Tax Alert: Rev. Rul. 2012-17 — June 2012 In Rev. Rul. 2012-17, the Internal Revenue Service has ruled that a REIT's investment in the shares of a money market fund constitutes an investment in "cash and cash items" for purposes of section 856(c)(4)(A) of the Internal Revenue Code. |
The Impact of FATCA Withholding on REITS, Real Estate Funds, and Real Estate Investment Entities Real estate entities have complex international structures with different considerations with respect to FATCA withholding regarding US and non-US entities. This alert focuses on US entities and their obligations under the new FATCA withholding regime. |
US Asset Management - The State of the Industry This paper explores what we believe to be among the key challenges facing the industry, as it continues to grapple with a number of difficult issues, including: Product development, Evolving investor expectations, Mergers & acquisitions, Global tax risk, Global sourcing, Tax optimization, Performance measurement, Talent management, Regulatory change (including Dodd Frank, FATCA and more). |
Becoming FATCA Compliant - Why asset managers should prepare now Beginning January 1, 2013, the provisions of the Financial Account Tax Compliance Act (FATCA) will impose a 30% US withholding tax on any US-sourced income and the gross proceeds from the sale of investments that produce US sourced interest or dividends (withholdable payments) received by any offshore fund or other foreign financial institution (FFI). |
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Approx. capacity: 60
The Lion & Unicorn Theatre is located just minutes away from Kentish Town tube station, in leafy Gaisford Street. This wonderfully intimate black box theatre space above the Lion & Unicorn Pub hosts a variety of exciting productions all year round, including those produced by the venue's own Giant Olive Theatre Company as well as hosting visiting company productions. Under the new direction of Giant Olive, the Lion & Unicorn theatre has quickly developed a reputation for quality, dynamic and innovative productions spanning Classical Works, New Writing, Dance Theatre and supporting new Industry Graduates.
The nearest tube station is Kentish Town.
The nearest train station is Kentish Town.
The venue is in central London so it is advised that you use public transport where possible. 42-44 Gaisford Street, Kentish Town, London NW5 2ED
Bus numbers 46, 134 and 214.
There is very limited street parking around the venue so travelling by car is not advised.
There is no wheelchair access at the venue.
There is no disabled access at the venue.
Sorry, there are no shows on sale at Lion & Unicorn Theatre right now.


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Board of Trustees Meeting
- When:
- Wednesday, October 18, 2006 6:00 p.m.
- Where:
- Community Education Center (PCC Campus maps and directions)
- Description:
- Regular Business Meeting of the Board of Trustees. This meeting will be held in the Jack Scott Multipurpose Room of the Community Education Center, 3035 East Foothill, Pasadena. The Open Session will begin at 6:00 p.m. with the Call to Order, Roll Call and Public Comment on Closed Session items. If a Closed Session is necessary, it will follow. Open Session will reconvene at 7:00 p.m.
- Open To:
- Public
- Contact:
Mark Rocha (Primary)
Title: Superintendent/President
Phone: 626-585-7201
- Audiocast:
- View Audiocast


text:
30-day safety report for: zimmo.be
Currently Safe
No current active malware appears on this website. However, during the last 30 days potentially active threats did appear on a subdomain. (updated May 04, 2015 GMT)
Types of Malware Found 1
Compromised Pages 1
Website Popularity
Server Location
The results provided by this website are provided on an "as is" basis with no warranty as to accuracy or completeness. You acknowledge by using this website that you have read and agree to the terms and conditions available here.


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Description: StarterKit MSA20 Option Part# 366172-B21
Overview:The HP StorageWorks Modular Smart Array 20 Enclosure (MSA20) is a SATA 1.5 Gb/s disk drive storage enclosure with Ultra320 SCSI host connectivity. These enclosure deliver industry-leading availability storage density and upgradeability to meet customers' demanding and growing storage needs. The MSA20 delivers the ideal mix of low-cost and high capacity for minimum I/O workloads such as reference data archival and disk-to-disk backup. The 2U array houses up to twelve 1 Universal hot pluggable SATA 1.5Gb/s drives. Each Modular Smart Array 20 includes the following standard components: Modular Smart Array 20 Controller Module with Ultra320 SCSI I/O host connectivity dual hot pluggable fans/power supplies two power cables one Ultra320 SCSI host adapter (SA-6402) and one 3' VHDCI SCSI cable. Specifications: Category Sub-Category Generation Part Number366172-B21 Products ID15345 Device TypeHard drive array Enclosure TypeRack-mountable 2 U InterfaceUltra 320 SCSI Built-in DevicesLED Panel Installed Devices / Modules Qty0 (installed) / 12 (max) Expansion Bays Total (Free)12 ( 12 ) x hot-swap - 3.5" x 1/3H Storage ControllerSCSI ( Ultra320 SCSI ) Power AC 110/230 V ( 50/60 Hz ) Hard Drive0 hot-swap Serial ATA-150 Dimensions (WxDxH)19.2 in x 22.8 in x 3.5 in Weight52.9 lbs


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Donna Karan Lenox Gold Dust Service Plate
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Skin Type: Normal, Mature, Blemished/Oily, Combination, Dry, Sensitive, Children and Teen Skin Concern:Wrinkles, Sun Damage, Acne, General Health
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An interesting article, Michael.
I think follow up articles looking a Battery life with encrypted disks would be interesting given that portable machines are more likely to be lost or stolen.
It would also be interesting to see if you saw the same performance degradation (or possibly lower battery life) with a processor that supports AES-NI instructions. IIRC the Linux Crypto supports this.


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Top Definition
Loyal followers and secret society led by The Notorious O.K. aka OlgaKay(of youtube). Some believe the Moosh Army, commonly referred to as Mooshers are a subset of the Russian KGB to carry out missions and strengthen ties as liason agents in various U.S. defense departments.
OlgaKay- "hello Moosh Army"
MooshArmy- "MOOOOSH!"
MooshArmy- "MOOOOSH!"
Por iTzNoxXx
14 de abril de 2010