Finance Transformation & Performance Improvement

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The Quiet Risk: Why Reserve Adequacy Decides an Insurer’s Future

June 22, 2026by Dr Dawkins Brown

Reserves are the largest number on most insurers’ balance sheets and the least understood by their boards. Getting them wrong is rarely loud — until, suddenly, it is catastrophic. On the balance sheet of almost any insurer, the single largest figure is also the one the board understands least. It is the provision for claims...

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Build vs Buy: The Real Cost of Your Finance Function Compared

June 20, 2026by Dr Dawkins Brown

Hiring in-house looks like control; outsourcing looks like savings. Here is the true, all-in cost of each — and where the break-even actually sits. For most growing enterprises, buying an outsourced managed finance function costs less and delivers more than building an in-house team — until the business is large or complex enough to justify...

AI & Automation AI Governance & Compliance AI Strategy for Business Artificial Intelligence (AI)Artificial Intelligence & Data Governance Board & Audit Committee Insights Business Intelligence (BI)CEO & CFO Insights Finance Transformation & Performance Improvement Governance Risk & Compliance Governance Risk and Compliance Strategy & Transformation

A Narrower Apex, a Deeper Core: Rethinking Span, Hierarchy and Decision Rights

June 9, 2026by Dr Dawkins Brown

If the middle is the engine, what happens to the top? The diamond demands a smaller apex, a flatter hierarchy, and a deliberate redistribution of authority into the core. PART II · THE NEW SHAPE What happens to the top This series has defined the diamond and established its empowered middle as the new engine...

Caribbean Business Strategy Finance & CFO Advisory Finance Transformation Finance Transformation & Performance Improvement Financial Strategy Financial Strategy & Value Creation Financial Transparency Fintech Go-to-Market Strategy Governance & Compliance Growth Strategy

From Start-Up to Scale-Up: What the Future of Venture Capital Means for the Caribbean

May 12, 2026by Dr Dawkins Brown

Executive Summary The global venture capital industry is undergoing a structural reset. Venture-backed companies are staying private for longer, exits are slowing, liquidity is becoming harder to achieve, secondary markets are emerging as an important private-market tool, and artificial intelligence is reshaping how companies are built, valued, funded, and scaled. For the Caribbean, the lesson...

Covenants Were Not Designed for Hurricanes: How to Stress-Test Loan Covenants Before They Stress-Test the Enterprise — and the Heat-Map That Surfaces the Dangerous Ones

May 7, 2026by Dr Dawkins Brown

Valley Green Agriproducts — the name is composite, the events are real — is a Caribbean integrated agribusiness group I have spent considerable time advising. The group operates approximately twelve thousand acres of fresh produce and tree-crop cultivation across two territories, runs three primary processing facilities, employs roughly six hundred and twenty staff at...

The Single-Thread Borrower: Capital Structure Risk in Caribbean Enterprises

May 6, 2026by Dr Dawkins Brown

There is a Caribbean distribution business that I will call Meridian — a composite drawn from the actual files of multiple advisory engagements over the last decade, with all identifying details changed but every operational fact preserved. Meridian was started in 1989 by a husband-and-wife team. By 2024, it employed 187 people across two...

Finance & CFO Advisory Finance Transformation Finance Transformation & Performance Improvement Financial Regulation Financial Reporting & CFO Insights Financial Services Financial Services / Regulated Industries Regulatory & Compliance Regulatory & Standards Updates Regulatory Affairs Regulatory Compliance Risk & Compliance Risk & Compliance (GRC)Risk & Compliance)

Investor Protection in a Twin Peaks World: From Disclosure to Outcomes

May 4, 2026by Dr Dawkins Brown

The shift from disclosure to outcomes The most important conceptual shift in international investor protection over the past decade is the shift from disclosure-based to outcomes-based regulation. The shift sounds technical. Its operational implications are substantial. Under disclosure-based regulation, the regulatory framework requires regulated firms to disclose material features of products and services. Risk...

Audit and Assurance Services Banking & Financial Services Caribbean Business Caribbean Business Advisory Compliance & Regulatory Advisory Finance Transformation & Performance Improvement Financial Regulation Financial Reporting & CFO Insights Financial Services Financial Services / Regulated Industries Risk Management Risk Management & Governance

The Diagnosis Behind the Reform: Why Jamaica Chose Twin Peaks, and What It Must Now Deliver

May 2, 2026by Dr Dawkins Brown

What actually happened at SSL On 17 January 2023, a Jamaican investor went public with allegations that her investment account at Stocks and Securities Limited — a securities dealer regulated by the Financial Services Commission for over four decades — had been systematically drained over a period of years. Within days, what began as one...

Boards, Fiduciaries, and the Tokenized Balance Sheet: Governance and Board Oversight in the Caribbean

April 28, 2026by Dr Dawkins Brown

Editor’s Note This is the fourth article in a twelve-part Dawgen Global series introducing DAGAF™ — the Digital Asset Governance & Assurance Framework. Articles 1 through 3 established the inflection-point argument, mapped the foreign regulatory regimes, and set out the architecture of DAGAF™ itself. This article opens the pillar deep-dives, treating Pillar 1 — Governance...

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AI in the Caribbean Finance Function: What CFOs, Controllers, and Audit Committees Must Do Now

April 26, 2026by Dr Dawkins Brown

IN THIS ARTICLE Reading time: 20 minutes The eighth article of twelve, and the third and final article of Act III. Article 6 specified what AI capability boards should authorise this year in Caribbean financial services. Article 7 addressed the human-capital consequence of those decisions across any AI-adopting institution. This article narrows back to...

Finance Transformation & Performance Improvement

Build vs Buy: The Real Cost of Your Finance Function Compared

A Narrower Apex, a Deeper Core: Rethinking Span, Hierarchy and Decision Rights

From Start-Up to Scale-Up: What the Future of Venture Capital Means for the Caribbean

Covenants Were Not Designed for Hurricanes: How to Stress-Test Loan Covenants Before They Stress-Test the Enterprise — and the Heat-Map That Surfaces the Dangerous Ones

The Single-Thread Borrower: Capital Structure Risk in Caribbean Enterprises

Investor Protection in a Twin Peaks World: From Disclosure to Outcomes

The Diagnosis Behind the Reform: Why Jamaica Chose Twin Peaks, and What It Must Now Deliver

AI in the Caribbean Finance Function: What CFOs, Controllers, and Audit Committees Must Do Now

July 22, 2026Internal Audit Meets Cybersecurity: A New Assurance Model for Caribbean Organisations

July 22, 2026The Cyber-Accountable Board: What Directors Must Know, Ask and Verify

July 21, 2026From Cybersecurity to Cyber Assurance: The Missing Link in Caribbean Risk Management

July 21, 2026Cybersecurity Is No Longer an IT Issue: Why Caribbean Boards Must Treat It as an Enterprise Risk

July 20, 2026Internal Audit in Public Bodies: Accountability, Compliance, and the Public Purse

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