The Governance of Risk Management

Free GARP FRM Part I lesson in Foundations of Risk Management. 18 min read, ~2,715 words.

Governance failures, not model failures, drove the 2007-09 crisis. CROs reported to the wrong people; risk limits weren't enforced; boards lacked the technical literacy to challenge management. Three lines of defense: business units own risk, an independent risk function challenges, internal audit verifies. Each must be independent of the others...

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