Category Archives: International

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RIMS Canada 2019 Encourages Risk Managers to ‘Transform’

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RIMS canada conference 2019

The 2019 RIMS Canada Conference Women in Leadership Panel (Photo: Maryam Morrison)

EDMONTON — The 2019 RIMS Canada Conference got its green light Monday morning when technology and disruption strategist Shawn Kanungo entered the Edmonton Convention Centre in an ELA, an electronic autonomous shuttle being piloted in Canada. “Transform” is this year’s conference theme and, as emcee, Kanungo emphasized the need for attendees to embrace risk in order to improve their organizations. “Experimentation,” he said, “is the gateway drug to true transformation.”

Ahead of the morning’s keynote, the RIMS Canada Council announced its top honors for accomplishment in the risk management field. For the risk professional earning the highest average mark on the three examinations required to attain the Canadian Risk Management (CRM) designation, the Fred H. Bossons Award was awarded to Ronnie Yuen, underwriting assistant at Starr Technical Risks Canada, Inc.

Jim Swanson rims canada conferenceIn recognition of outstanding contributions to the risk management profession, the 40th annual Donald M. Stuart Award went to Jim Swanson, the now-retired director of insurance and risk management for the Province of Manitoba. During his 30 years with the province, Swanson developed insurance and risk management policies for its 12 departments and 39 agencies. An active RIMS member, Swanson held several positions on the RIMS Manitoba Chapter Board of Directors, including chapter president from 1992 to 1994, and chaired the RIMS Canada Conference three times.

Women In Leadership

Even the format of the keynote was transformed this year, with a “Women In Leadership” panel taking the place of a traditional single speaker. Lana Cuthbertson of ATB Financial moderated a discussion of gender equality and diversity, highlighted by the personal experiences of five risk leaders: Lynn Oldfield, president and CEO of AIG Canada; Sarah Robson, president and CEO of Marsh Canada Ltd.

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; Christine Lithgow, CEO of commercial risk solutions at Aon Canada Risk Solutions; Yvonne Steiner, head of property at Zurich; and Gloria Brosius, director of risk management and insurance at Pinnacle Agriculture Distribution, Inc., and 2019 RIMS president.

One key topic was parental leave, for which all panelists voiced their support. Steiner said that taking leave to raise new children can build critical, transferable skills since it is “a time to truly learn empathy and unimaginable patience.”

Some panelists detailed putting their careers on hold for years as they raised their families. It was during the return to the workforce when some had to overcome more direct cynicism and discrimination. For example, after Lithgow’s six-year absence from the profession, she was courted for roles way below her pay grade and experience level.

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“I was being offered junior roles after having been an executive,” Lithgow recalled. “I reminded [interviewers] that it was a baby that dropped from my uterus, not my brain,” she added, receiving the morning’s biggest ovation.

The discussion also explored who comprises the profession in Canada. Oldfield, who is also the outgoing chair of the Insurance Institute of Canada, cited recent research from the organization’s demographics report to demonstrate women’s progress in property and casualty. She said women in Canada now constitute 62% of employees, 52% of management, and 59% of frontline management positions. However, there have been only moderate increases in the past 10 years at the executive leadership level, with 35% in 2017, up from 28% in 2007.

Robson described the pay gap as “another elephant in the room,” with women in full-time positions earning 87 cents of every dollar men earn based on average hourly wage, according to 2018 data from Catalyst.org.

“While I would love to say now is the time to drop the ‘women’ part [of the discussion], I don’t see how we can do that at this stage,” Robson said. “The reality is we need to call out discrepancies and inequalities and highlight the successes in order to promote, challenge and change.

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Beyond Pride: Building Strong Diversity and Inclusion Programs

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Today, June 28, marks the 50th anniversary of the Stonewall riots, demonstrations widely considered the most formative event to formally start the fight for LGBTQ rights in New York City and the United States as a whole. As June comes to a close and the city begins celebrating World Pride this weekend, enterprises should be thinking about how to extend the spirit of Pride month and embrace the importance of diversity and inclusion. Long after companies have retired their rainbow logos, they still face increasing need to build and maintain meaningful policies and programs in practice.

Whether looking to start a formal diversity and inclusion initiative, review existing policies, or audit the efficacy of D&I programs, here are some key resources companies can use to build better workplaces for LGBTQ employees and the workforce at large:

RIMS has also been increasingly focused on diversity and inclusion initiatives for both members and the organization itself with Risk Management Magazine content, webinars and conference networking events. Special thanks to Joshua Lamangan, senior membership manager at RIMS, for sharing many of the resources above from his work leading the RIMS Diversity and Inclusion Task Force and Diversity and Inclusion Advisory Council.

Global Heat Waves Signal Climate Risks

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India is currently suffering under a heat wave that has lasted over a month, with temperatures reaching a record 118 degrees Fahrenheit (48 degrees Celsius) in New Delhi on June 10 and 122 degrees (50 degrees Celsius) in the western city of Churu. The death toll has been estimated to be at least 36, though some sources put the number at more than 150. Europe is also preparing for its own massive heat wave this week, with temperatures expected to be 36 degrees Fahrenheit (20 degrees Celsius) higher than the seasonal average of 72 degrees (22 degrees Celsius).

This pattern of heat waves has become a yearly occurrence across the globe. Europe faced similar heat last year, as did Asia, with Japan experiencing record-breaking temperatures in 2018, which sent more than 71,000 to hospitals, killing 138. North America also saw extended higher temperatures in 2018, with 41 heat records across the United States, and heat-related deaths overwhelming Montreal’s city morgue.

Experts say that these global record-breaking incidents are the result of climate change, and likely forecast a new normal of dangerous summer heat.

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According to Stefan Rahmstorf, co-chair of Earth System Analysis at the Potsdam Institute for Climate Research (PIK), “Monthly heat records all over the globe occur five times as often today as they would in a stable climate. This increase in heat extremes is just as predicted by climate science as a consequence of global warming caused by the increasing greenhouse gases from burning coal, oil and gas.

” French national meteorological service Météo-France echoed these concerns, saying that heat waves’ frequency “is expected to double by 2050.” And according to a 2017 study from The Lancet Planetary Health journal, the number of deaths resulting from weather-related disasters could skyrocket in the future, killing as many as 152,000 people each year between 2071 and 2100, more than 50 times greater than the average annual deaths from 1980 to 2010.

As Risk Management has previously reported, these changes are also already impacting business operations globally, with direct economic losses from climate-related disasters (including heat waves) increased 151% from 1998 to 2017, according to the United Nations Office for Disaster Risk Reduction. Heat waves have serious effects on business operations, impacting things like road conditions and agriculture, as well as workers’ health and safety. More than 15 million U.S. workers have jobs requiring time outdoors, and according to the World Bank, even for indoor workers, productivity declines by 2% per degree Celsius above room temperature.

Many countries have taken steps to mitigate the effects of heat waves on their populations. For example, since 2016, India has been providing shelter for homeless people, opening water stations for hydration, cutting building heat absorption by painting roofs white and imposing working hour changes, curfews and restrictions on outdoor activities. These efforts have successfully reduced heat-related deaths from more than 2,400 in 2015 to 250 in 2017.

The U.S. Environmental Protection Agency (EPA) recommends similar steps to the ones India is taking, as well as ensuring that energy and water systems are properly functioning, establishing hotlines for reporting cases of high-risk individuals and encouraging energy conservation to reduce the chances of overwhelming electric systems. The U.S. Occupational Safety and Health Administration (OSHA) recommends that employers and workers facing higher temperatures in the workplace pay close attention for the signs of heat stroke, and keep three words in mind: water, rest and shade.

While these on-the-ground measures can reduce the immediate effects on workers and vulnerable populations like the elderly, children and the homeless, PIK’s Rahmstorf warns that “Only rapidly reducing fossil fuel use and hence CO2 emissions can prevent a disastrous further increase of weather extremes linked to global heating.”

Inside a Business Email Compromise Operation

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A new report from cybersecurity company Agari’s Cyber Intelligence Division outlines the operations of a business email compromise (BEC) gang in West Africa, showing that criminals who engage in BEC online theft can have a diverse portfolio of online criminal activity that they use to build their capabilities, and use sophisticated methods to scam their victims, including businesses and government agencies.

BEC is a cyberfraud tactic in which a scammer will contact a target using phishing emails imitating a fellow employee of the target (often someone in the finance department or management) usually seeking to convince the victim to conduct a business transaction, most likely a money transfer to an account run by the scammer. The scammers may also try to trick their victims into clicking a link in an email or visiting a scam website, which could provide the scammers with the victim’s online credentials or download malware onto the victim’s computer and gain access to their company’s network.

As Risk Management previously reported, Beazley Breach Response Services found that BEC-related attacks cost victims an average of $70,960, but the FBI’s Internet Crime Complaint Center has estimated that the total “revenues” of BEC attacks doubled in 2018 to $1.3 billion. BEC attacks are also extremely common—approximately two-thirds of IT executives are reportedly dealing with them.

Agari’s report, titled “Scattered Canary: The Evolution of a West African Cybercriminal Startup,” shows that cybercriminal gangs diversify their criminal schemes, using their established infrastructure from one type of scam to facilitate others. Agari researchers named the group Scattered Canary and compared it to a tech startup because of its recruitment and expansion strategy. Scattered Canary has pursued a variety of different criminal social engineering efforts, including:

  • Romance scams: Creating a fake online romantic relationship with a victim and requesting gifts, access to their bank or retirement accounts, or services related to other scams.
  • Check fraud: A scammer offers to purchase an item for more than its advertised price with a check (which is fraudulent), then requests that the seller send the extra amount to a third party (a fictional shipping company, for example).
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  • Credential harvesting: Tricking victims into providing their online credentials, including log-in information for online financial services.

Agari says that Scattered Canary built up a network of members and the skills to easily transfer from one scheme to another.

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The group has used multiple BEC tactics over time, transitioning from tricking employees into carrying out wire transfers from their companies’ bank accounts to convincing victims to buy gift cards that scammers would then cash out via cryptocurrency exchanges.

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More recently, the group has targeted human resource departments to change the direct deposit information for a company’s executive, then cashed out the deposits using prepaid debit cards.

Businesses should train their staff at all levels on how to spot BEC and other types of online scams. If employees can recognize phishing emails and websites, and know not to click links or provide information in response to either, this can protect companies from fraud and significant financial loss. In addition to training staff, the FBI suggests always verifying requests to send money, even if the email requesting the transfer is urgent, by speaking directly to the person who seems to be requesting the money on the phone (using the previously known number, not the one provided in the email) or in person. The FBI also suggests setting up filters that flag email addresses that are similar to the company’s email, and creating an email rule that notes emails coming from outside the company, among other technical steps.

For more from Risk Management about controlling the risks of BEC and other social engineering fraud, check out: