Personalized GRC

There is little doubt that risk management has begun to assume an ever greater significance in the post credit crunch world. In all the analysis of what went wrong, however, one common theme seems to be emerging: in many cases, there was a loss of individual ownership of risk management practices because of a failure to personalize them.

It was not that firms did not have risk management policies in place before the crunch. Many had a top down approach that effectively imposed procedures on

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