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Risk, risk everywhere and not a stop to think

Risk, risk everywhere and not a stop to think

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Sometimes I get a headache when I think about risk. Why? It’s EVERYWHERE! When I get up in the morning there is a risk I’ll trip over my cat and fall down the stairs. Because I have no warning labels on the cup of coffee I make at home like I get when I go to McDonald’s, there is a risk I’ll burn my tongue. There is a risk I might even wear brown shoes with black pants if a light bulb burns out! It’s overwhelming!So, it’s no surprise that we might feel that same level of angst when we think about compliance risk at our credit union. As in life, compliance risk is everywhere! How can you even stop to think about where it is, whether it can be mitigated and whether you are willing to accept certain residual risks?I used to think the answer to everything was to find that one perfect risk assessment spreadsheet or tool that I could use to identify, log, monitor and measure every compliance risk every imagined. It became my Holy Grail. I searched everywhere, but never found exactly the thing that I was looking for.As my frustration grew, I began to realize that this was because you can’t put all risk into the same bucket. The way you identify, evaluate, and monitor risk can be very different depending upon the area you are looking at. An ACH risk assessment may look very different than an information security risk assessment. Your BSA risk assessment will probably be very distinct from a Red Flags risk assessment. continue reading »last_img read more

Westbury Teen Killed in Crash

Westbury Teen Killed in Crash

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 19-year-old man was killed when he crashed his vehicle in his hometown of Westbury over the weekend.Nassau County police said Quentin Abram was driving a Toyota southbound on Merrick Avenue at a high rate of speed when he crossed into the opposite lane of traffic and struck a tree at 8:35 a.m. Sunday.The victim was taken to a local hospital, where he died. He was driving alone.Third Squad detectives impounded the vehicle, found no apparent criminality and are continuing the investigation.last_img read more

BC Humane Society says gift of new pet this holiday means big responsibility

BC Humane Society says gift of new pet this holiday means big responsibility

first_imgFind out more about adoption at the Broome County Humane Society here. Around the holidays, Shelter Manager Amberly Ondria says people want to gift new animals. While a new animal in the house can be exciting around the holidays, Ondria said, “it’s not just a holiday pet, that when the holidays are over, you’re still going to have to take care of it, medical expenses never go away.” And she said those expenses can be pricey. “There’s research out there that in a lifetime of a pet, you could spend up to 10,000 dollars on them, medical expenses, routine vet care, so we really try to emphasize that people need to be ready for that no matter what the occasion is,” said Ondria. She says new man’s best friends come with more than just the need for a food bowl and leash. center_img “What we try to emphasize is making that they are aware of the commitment,” she says. And even during the holiday season, the society has serious standards for finding forever homes. BINGHAMTON (WBNG) — The Broome County Humane Society is educating people on the responsibility associated with the gift of a pet this holiday season. “It takes anywhere from a week to 10 days to get through an adoption application, so people that are looking for last minute gifts so to say, we do have to make sure the animals are going to good homes, that they’re going to be taken care and that nothing in our process changes around the holidays.”last_img read more

MINT and CNTB launch project “Vacation weeks worth”

MINT and CNTB launch project “Vacation weeks worth”

first_imgHowever, if “Lex Agrokor” could be implemented, then the “Cro Kartica” project can certainly be launched, of course if there is a desire to implement it. The project is intended for domestic tourists in order to encourage the domestic market to tourist activities in the period before and after the season. Through this action, all citizens of Croatia will have the opportunity to get to know and visit different parts of our country with better prices for many tourist products, from accommodation, transportation, attractions to catering services and various experiences.  All entities related to tourism who are willing to offer more favorable conditions for their tourist products and services for the citizens of Croatia in that week will be invited to the action “A week of vacation worthwhile”, and their offers will be listed on the portal www.tjedanodmoravrijedan.hr , which is not yet active, and is owned by the CNTB. Although he was the Minister of Tourism in April this year, Gari Cappelli said that the “Cro card” project, in which employers would pay workers the amount they could use to pay for accommodation and other tourist services in Croatia, is not dead, but is being worked out. its realization. He also emphasized that the name of the project is not yet known, and that it is planned to start in the fall, which is a continuation of the above-mentioned action. As announced, the employers would pay the workers the amount of HRK 2500 as part of the project, which they would give to their employees as a reward. As is the current legal possibility, to pay 7.500 kuna to workers tax-free, now through this project an additional 2.500 kuna would be added, but exclusively for consumption in Croatia. What about the “Cro card” project? But, in any case, we should praise the action “Weekend worth worth” which with a good promotional campaign could get very good results, especially for continental tourism, if it is proactive and uses the opportunity to position itself as the first choice.center_img The question is whether the long-awaited and announced project “Cro card” will be implemented through the project “A week of rest worthwhile”? The Ministries of Tourism and the Croatian National Tourist Board are launching the “Vacation Week Worthy” project, which aims to focus interest on domestic travel and raise the level of tourism activity in the period outside the summer months. According to unofficial information, the first week of vacation worthwhile would take place this year, from 17 to 27 October. So, the whole story could be connected, but according to unofficial information, as well as the description of the project (50% discount for tourist services), for now the project “Cro card” is still in the status quo. One of the obstacles to the implementation of the “Cro card” project was mentioned by the EU, which does not approve the project due to market protection. We have sent an inquiry to the Ministry of Tourism about the status of the “Cro card” project, and we are waiting for an answer about it. A week worth of vacation would be held twice a year, in October and March, and would enable all citizens of Croatia to visit and get to know various parts of our country at 50 percent lower prices on all tourist offers and services: accommodation, transport, catering, visits to national parks, theaters , adrenaline activities and the like. During July this year, a public presentation of this action will be held, where all the details of this project will be presented. last_img read more

Sea pollution on the beach in Lapad Bay

Sea pollution on the beach in Lapad Bay

first_imgLaboratorijskom analizom utvrđeno je da rezultati analize mora za kupanje prelaze granične vrijednosti za mikrobiološki parametar Escherichia coli. Sukladno Uredbi o kakvoći mora za kupanje čl. 23. i 24., uzorkovanje mora će se ponavljati do prestanka onečišćenja. O onečišćenju je obaviještena Inspekcija zaštite okoliša i ostale nadležne inspekcije, javljaju iz Dubrovačko neretvanske županije. “Nakon što je došlo do preljeva kanalizacijskih voda u Uvali Lapad, Vodovod Dubrovnik je krenuo s ispitivanjem sustava kako bi se utvrdio uzrok istog. Ispitivanjem je utvrđeno kako je netko u sustav ubacio stalak za bicikle, a što je i uzrokovalo probleme u sustavu. Jasno je kako ovaj stalak u sustavu nije mogao završiti slučajno. Pregledom video nadzora pokušat ćemo pronaći i počinitelja kojem je očito bilo jako zabavno namjerno začepiti kanal kako bi došlo do preljeva kanalizacijskog odvoda u more” objavio je Franković. On August 13, 2020, the Public Health Institute of the Dubrovnik-Neretva County conducted a sea sampling on the beach of Uvala Lapad in Dubrovnik, following a report of sudden sea pollution. Considering that the sea samples on the beach of Uvala Lapad in Dubrovnik do not meet the requirements of the Decree due to the pollution of fecal origin, bathing is not recommended until further notice. As Mate Franković, the mayor of Dubrovnik, reported, by examining the employees of Vodovod Dubrovnik, it was determined that someone put a bicycle stand in the system, which caused problems, ie blockages in the system. Dubrovačko-neretvanska županija, Upravni odjel za zaštitu okoliša, imovinsko-pravne i komunalne poslove, sukladno Uredbi o kakvoći mora za kupanje, upozorava javnost da je na plaži Uvala Lapad u Dubrovniku došlo do iznenadnog onečišćenja mora fekalnog podrijetla. The cause of the pollution is a bicycle stand that has clogged the sewer systemlast_img read more

Public-private partnerships: One on One

Public-private partnerships: One on One

first_imgTo access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletterslast_img

England’s WC winner Jack Charlton passes away

England’s WC winner Jack Charlton passes away

first_imgLONDON: England World Cup winner and legendary Leeds United defender Jack Charlton breathed his last at the age of 85.Leeds confirmed the news on their official website that their former centre-back had passed away on Friday night following a long-term illness. “Leeds United are deeply saddened to learn club legend Jack Charlton passed away last night at the age of 85 following a long-term illness. “Charlton made a club record 773 appearances for Leeds United over a 23-year period as a player, becoming one of the all-time great central defenders in the game. “He joined the club at the age of 15 in 1950 as part of the ground staff, before signing professional terms and was handed a debut against Doncaster Rovers on Saturday 25th April 1953 in a 1-1 draw at Elland Road,” the statement on leedsunited.com, said. Charlton had featured in every match during the 1966 World Cup which England went on to win, defeating West Germany 4-2 in the final at Wembley — England’s only World Cup success to date. Charlton called time on his career at the end of the 1972/73 season, with his final game coming against Southampton in 1973. He won a total of 35 caps for England, scoring six goals for his country. IANS ALSO WATCH: VEGETABLE PRICES BURN HOLE IN COMMON MAN’S POCKET IN GUWAHATIlast_img read more

Top-four battle heats up for Premier League’s big spenders

Top-four battle heats up for Premier League’s big spenders

first_imgLondon, United Kingdom | AFP | The intensifying battle for Champions League places takes centre stage in the Premier League this weekend as Liverpool host Tottenham, while Manchester United and Chelsea seek to recover from damaging defeats.Just five points now separate United in second from Spurs in fifth, with the riches and prestige of a place in the Champions League for next season fuelling a record £430 million ($611 million, 492 million euros) splurge in the January transfer window.Arsenal sit a distant sixth, six points behind their north London rivals, provoking an uncharacteristically busy window of comings and goings at the Emirates.Top four contenders at a crossroadsPhilippe Coutinho’s 160-million-euro move to Barcelona meant Liverpool ended January in the black despite splashing out a world-record £75 million for a defender on Southampton’s Virgil van Dijk.Despite holding their own in this season’s Champions League and domestically, Liverpool and Spurs are not even in the top 10 for net spend on transfers in the Premier League this season.However, the steady progress achieved by both clubs under Jurgen Klopp and Mauricio Pochettino will be threatened if they miss out on next season’s Champions League, making Sunday’s clash at Anfield all the more vital.A dominant 2-0 victory over Manchester United on Wednesday underlined Spurs’ return to form and a win at Anfield would move them ahead of their hosts in the table. Back-to-back defeats to Swansea City and West Bromwich Albion raised questions over Liverpool’s decision not to invest in a direct replacement for Coutinho but they bounced back to see off Huddersfield 3-0 in midweek and remain unbeaten in the league at Anfield this season.Aubameyang’s bowA forward line partnering new recruits Pierre-Emerick Aubameyang and Henrikh Mkhitaryan with Mesut Ozil, who has signed a new long-term deal, means the pessimism of a damaging 3-1 defeat at Swansea on Tuesday was quickly forgotten.However, with Spurs and City to follow Everton’s visit to the Emirates, Arsene Wenger will need to former Dortmund duo to quickly re-establish their partnership to keep in touch with the other challengers. The Gunners could also quickly come to rue their winter clearout as Theo Walcott returns to the Emirates fresh from scoring twice to secure Everton’s first win of 2018 against Leicester on Wednesday.Share on: WhatsApp Pages: 1 2last_img read more

Rapinoe and USA aim to retain World Cup, but Netherlands stand in their way

Rapinoe and USA aim to retain World Cup, but Netherlands stand in their way

first_img“I think we just need to approach the game as we approach every game,” said Dutch coach Sarina Wiegman.“We know we are playing a top-level team so we need to perform even better and we will defend the way we always do, as a team.”– Female coaches on both sides –The Dutch are sweating on the fitness of Barcelona winger Lieke Martens, who has a toe problem and was forced off at half-time in their semi-final defeat of Sweden.“Of course we are European champions but we want to have more and that we are standing in the final now at the World Cup, at the highest level in women’s soccer, that’s fantastic, that’s amazing,” said the midfielder Sherida Spitse.The Netherlands have won 12 consecutive matches at major tournaments under Wiegman, and Sunday’s final will be just the second at the women’s World Cup to bring together two female coaches, after the 2003 showpiece.While Wiegman is hoping to claim a second major tournament triumph in as many attempts, the English-born Ellis can become the first coach to win back-to-back World Cups in the men’s or women’s game since Italy’s Vittorio Pozzo in the 1930s.“They’re European champions, that’s a very difficult thing to do, that takes a certain level of discipline and mental strength,” said Rapinoe.“They have that idea of what it takes to win a championship more than the other teams we have faced.”On Saturday, goals from Kosovare Asllani and Sofia Jakobsson helped Sweden beat England 2-1 in the third-place play-off in Nice.Share on: WhatsApp Megan Rapine and the United Stateswomen team are aiming to retain the women’s World CupLyon, France | AFP |  Led by the charismatic Megan Rapinoe, the United States are aiming to retain the women’s World Cup as they face European champions the Netherlands in the final in Lyon on Sunday.A sell-out crowd of close to 60,000 is expected for the showpiece game of the landmark tournament, which kicks off at 1500 GMT.The USA have lived up to their status as favourites coming into the tournament by becoming the first team ever to reach three consecutive women’s World Cup finals.They can win the trophy for the fourth time in eight editions, four years after Carli Lloyd’s hat-trick helped them to a 5-2 win over Japan in the final in Canada.Despite beginning their defence of the trophy with a World Cup record 13-0 victory over Thailand, they have had to fight to get through the knockout rounds, edging out Spain, hosts France and then England on their way.“We have come through a tough road in terms of the teams we have played to get to this point, so for sure they are battle-tested, but what I love about this group is that they are locked on and still hungry,” said USA coach Jill Ellis of her team.Rapinoe scored braces in the wins over both Spain and France before sitting out the semi-final defeat of England due to a hamstring injury. The pink-haired midfielder, who turned 34 on Friday, was confident she would be fit in time to return against the Netherlands.“I expect to be good to go for tomorrow and I’m very excited about that opportunity,” she said at Saturday’s pre-match press conference. “I’m like a kid in a candy store right now, this is the absolute best stage.”Rapinoe, one of only five survivors in the US squad from the 2011 final defeat against Japan, used the press conference to hit out at FIFA for scheduling this year’s final on the same day as those of the men’s Copa America and CONCACAF Gold Cup, as well as urging the world game’s governing body to further increase prize money for the tournament in future.With her spat with Donald Trump over her intended boycott of any team visit to the White House and her role in the US team’s battle with their federation for equal pay, she has been the big star of this World Cup.However, the Netherlands are hoping to cause a major upset and strike a blow for Europe at just their second World Cup, two years after being crowned European champions on home soil.last_img read more

‘Should I continue racing?’: Hamilton reveals lockdown low

‘Should I continue racing?’: Hamilton reveals lockdown low

first_imgThe season won’t start until July 5 in Austria at the earliest.“Mentally it’s really about ultimately feeling good about yourself. It’s about finding a way to make sure you love yourself,” added Hamilton, speaking ahead of Mental Health Awareness Week.“You have to really be able to love yourself and be comfortable on your own.”He added: “If we are not improving and growing during these days then what are we doing? You’re obviously just wasting your time sitting on your backside.” London, United Kingdom | AFP | Six-time world champion Lewis Hamilton admitted Sunday that he questioned his future in Formula One during the coronavirus lockdown which left him struggling for motivation.“I have days when I wake up and feel groggy, I don’t feel motivated to work out. I feel, ‘Jeez, where are we going? What’s next? Should I continue racing?’,” the 35-year-old said in a video released by his Mercedes team.“I think all these different things, and then I’m like ‘Damn it!’, and the next hour, or whatever, it passes, and I’m like ‘Damn! I love what I do! Why would I ever consider not continuing?’”Hamilton is hoping to equal Michael Schumacher’s record of seven world titles this season.However, he has been left kicking his heels as the spread of the coronavirus has seen 10 races either cancelled or postponed. Share on: WhatsAppcenter_img Champion: Lewis Hamilton celebrates at the United States Grand Prix in Texas last seasonlast_img read more