Fourteen Critical Vulnerabilities the Company Didn’t Know It Had The managing director of a Caribbean e-commerce company that processed approximately US$4.2 million in online transactions annually commissioned a penetration test for the first time. The company had operated its e-commerce platform for six years. It had never been tested by an external security professional....
Five Risk Reports. Five Formats. No Answers. The board of a Caribbean financial services group met quarterly to discuss risk. At each meeting, the board received risk reporting from five separate sources. The credit risk department submitted a twelve-page report detailing portfolio concentration, non-performing loan ratios, provisioning adequacy, and the top twenty exposures. The operational...
The Hurricane That Exposed a US$2.4 Million Vulnerability The general manager of a Caribbean financial services group arrived at the company’s headquarters on a Monday morning following a Category 3 hurricane that had passed through the island over the weekend. The physical damage to the building was modest — some roof sheeting displaced, water...
The CEO Who Returned from a Conference Convinced He Needed AI The CEO of a Caribbean insurance company returned from an industry conference in Miami with a conviction and a problem. The conviction was that artificial intelligence would transform the insurance industry and that his company needed to adopt it or risk obsolescence. The...
The Finding That Changed the Auditor’s Relationship with the Regulator The external auditor of a Caribbean insurance company had completed the annual audit and issued an unqualified opinion on the financial statements. The audit had been competently conducted, the financial statements presented fairly, and the opinion was appropriate. But when the regulator conducted its...
The Annual Report That Said Everything and Nothing The chairman’s message in the annual report of a Caribbean conglomerate listed on a regional stock exchange was, by any conventional measure, perfectly adequate. It reported revenue growth of four per cent, a modest improvement in net profit, the declaration of an interim and final dividend, and...
The Examination That Changed Everything The board of a Caribbean credit union with assets of approximately US$180 million received a letter from its prudential regulator on a Monday morning in January. The letter advised that the regulator would be conducting a comprehensive on-site examination commencing in six weeks. The examination would cover governance and...
The Risk That Was Never on the Register The board of a Caribbean food manufacturing and distribution company met in emergency session on a Tuesday morning in March. The previous Friday, their largest export market — a neighbouring Caribbean territory that accounted for thirty-two per cent of annual revenue — had imposed an immediate import...
The Auditor Who Was Never Heard The internal auditor of a Caribbean commercial bank had been raising concerns for two years. Her quarterly reports documented control weaknesses in the bank’s trade finance operations: inadequate segregation of duties in letter-of-credit processing, incomplete documentation of correspondent banking transactions, and gaps in the know-your-customer procedures applied to...
The Breach That Crossed Borders A well-respected corporate law practice in a prominent Caribbean offshore financial centre had advised international clients on corporate structuring, trust administration, intellectual property holding arrangements, and regulatory compliance for over two decades. The firm’s client roster included Fortune 500 corporations, sovereign wealth funds, family offices, and high-net-worth individuals from...
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