Risk Management & Governance

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The Three Lines in Practice: Making Risk, Compliance, and Internal Audit Work Together

July 19, 2026by Dr Dawkins Brown

Article 6 closed with a one-page exercise: the assurance map, showing which of an organization’s principal risks carry continuous assurance, periodic assurance, or none at all. Boards that complete it honestly usually discover the same two things. First, some risks are assured twice — tested by internal audit, reviewed by compliance, monitored by risk...

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One Company, Many Fortresses: Why Jamaica’s Segregated Accounts Companies Act Changes Everything

July 12, 2026by Dr Dawkins Brown

For as long as most Jamaican business owners can remember, there has been exactly one reliable way to stop trouble in one venture from sinking another: incorporate a separate company for each. A developer with four projects formed four companies. A fund manager with six portfolios wrestled with structures that the law never quite supported....

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How to Manage Risk and Insurance in a Volatile Region

July 11, 2026by Dr Dawkins Brown

The Caribbean concentrates more risk per square mile than almost anywhere on earth — and most businesses meet it with an unread policy and a hope. Risk is not weather. It is a portfolio, and portfolios can be engineered. The Problem, Lived “Desmond” owns a twenty-four-room boutique hotel and restaurant on the coast of...

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AI Vendor Risk Management: The Hidden Exposure in Third-Party Platforms

July 5, 2026by Dr Dawkins Brown

The practitioner’s toolkit — vendor questions, contract clauses, and the five-step program EXECUTIVE SUMMARY Many organizations believe they are not yet exposed to AI risk because they have not deployed an internal AI model. That assumption is becoming dangerous: AI is now embedded in cloud platforms, CRM systems, accounting software, HR applications, cybersecurity tools,...

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Stress-Testing the Future: Building Resilience Before the Shock

June 27, 2026by Dr Dawkins Brown

A business plan is a single confident line into an uncertain future. Stress-testing fills the silence around it — answering not what we expect, but what would happen if we are wrong, and how wrong we can afford to be. Every business plan is a single confident line drawn into an uncertain future. It...

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The Evolving Role of the Appointed Actuary in Caribbean Supervision

June 22, 2026by Dr Dawkins Brown

Once a signature at the back of an annual return, the appointed actuary is becoming a strategic guardian of solvency — and regional regulators are steadily raising the bar. For most of its history, the role of the appointed actuary was easy to summarise and easy to underestimate: value the policy liabilities, certify that...

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Every Valuation Is an Argument: Pension Valuation Governance for Caribbean Trustees

May 30, 2026by Dr Dawkins Brown

When a Caribbean trustee approves a pension valuation, they are not approving a fact. They are endorsing a chain of assumptions reached by someone else — and the governance question that matters is whether the board has seen the argument, or only the conclusion. This is the second of four papers in The...

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Email Authentication for the Caribbean Board: SPF, DKIM and DMARC Explained Without the Jargon

May 17, 2026by Dr Dawkins Brown

Article 1.2 of this series asked Caribbean boards whether they were running their business on personal email. This article is the technical follow-up that boards have largely been spared until now: three small entries in the firm’s domain settings — SPF, DKIM, and DMARC — that quietly decide whether the firm’s mailboxes can be impersonated....

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...

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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...

Older Posts

Risk Management & Governance

The Three Lines in Practice: Making Risk, Compliance, and Internal Audit Work Together

One Company, Many Fortresses: Why Jamaica’s Segregated Accounts Companies Act Changes Everything

How to Manage Risk and Insurance in a Volatile Region

AI Vendor Risk Management: The Hidden Exposure in Third-Party Platforms

Stress-Testing the Future: Building Resilience Before the Shock

The Evolving Role of the Appointed Actuary in Caribbean Supervision

Email Authentication for the Caribbean Board: SPF, DKIM and DMARC Explained Without the Jargon

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

August 16, 2026From AI Experimentation to Enterprise Governance

August 14, 2026REALISATION : A Business You Cannot Explain in Five Days Is a Business Somebody Else Will Price

August 13, 2026RESILIENCE : A Backup You Have Never Restored Is Not a Backup

August 10, 2026CAPITAL: Asset Rich and Cash Poor Is a Choice, Not a Condition

August 10, 2026GOVERNANCE :The Board That Meets Once a Year Is Not a Board

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