Turn a rescue into funded, lasting growth The most dangerous moment in a business recovery is not the crisis. It is the month after the crisis ends. The plan is working. Cash is flowing. The pressure has eased. The owner, exhausted and relieved, wants nothing more than to get back to running the business the...
Why the device fleet is the fastest place for Caribbean businesses to make sustainability pay Two budget lines that never meet In most Caribbean organisations, sustainability and IT sit in different meetings. The sustainability conversation happens with the board, the bank or the donor. The laptop conversation happens with procurement, usually when something breaks....
IN BRIEF Parametric cover pays on a measured index rather than on an assessment of damage. That is what makes it fast, and it is also the source of every difficulty it creates. An earlier article in this series dealt with how much risk to retain, insure or leave unfunded. This one is about...
IN BRIEF Caribbean organisations cannot influence how often hurricanes form or how intense they become. That is the part of climate risk most discussion concentrates on, and it is the only part that is not a management decision. What is decided — deliberately or by default — is what the organisation owns and where,...
IN BRIEF Actuarial technique is not a service for insurers. It is a method for putting a number on uncertainty — and most organisations are already carrying uncertainty they have priced by assumption rather than by measurement. Three worked cases follow: an extended warranty, a receivables book and an inventory decision. None involves an...
Almost every Caribbean territory runs a national social security scheme, and almost all face the same arithmetic: an ageing population, a shrinking contributor base, and benefits that will one day outrun the money coming in. The actuary’s task is to say when — and what it would take to change the answer. Nearly every...
Climate risk has stopped being an environmental footnote and become a financial one. It reaches the balance sheet through two channels — physical and transition — and the organisations that quantify it early will navigate the decade ahead far better than those that wait to be told. For most of the last two decades,...
ESG has graduated from glossy narrative to accounting-grade disclosure. The risk is no longer that your story sounds unconvincing — it is that, when challenged, you cannot prove it. The fix is evidence, captured continuously. This is the last of the four domain deep-dives in this series. We have examined artificial intelligence, the vendors your...
If you lead finance or internal audit, you have probably had the thought: isn’t continuous monitoring just what our audit already does? It isn’t — and understanding why is the key to using both well. This series has argued that annual governance has become a liability, that a continuous operating model is the answer, and...
Your organisation already subscribes to its software, its security monitoring and its cloud. It buys assurance continuously in almost every domain that matters — except the one the board is most accountable for. Governance is the missing subscription. In the first article in this series, I argued that annual governance has become a liability...
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