Risk isn’t one-size-fits-all – but everyone can prepare

first_imgRisks for credit unions can take many forms, and it’s hard to know which risks to prioritize in one’s training schedule. Our Regulatory Compliance team talks to credit union professionals all day – and we know how varied their circumstances are. That’s why no one – not us, not the NCUA, nor anyone else – can give you a pre-fab risk management program that will solve all your risk problems. However, we can help you figure out how to develop a program that will work for your unique situation.I’ve learned that credit unions must take into account their special circumstances. Who are your members? What products and services do you offer? Have you updated your technology recently? What are your future plans – and how might those alter your existing risk level?One thing every credit union can expect in this area is a risk-focused exam from the NCUA. During these exams, the examiners focus on seven risk factors: credit risk, interest-rate risk, liquidity risk, transaction risk, compliance risk, strategic risk and reputation risk. Some of these can be measured objectively, like interest-rate and liquidity risks, and others are more subjective, like compliance and reputation risks.Something you can do to stay ahead of the game is pay very close attention to the agency’s yearly list of supervisory priorities. This past January, the agency said it would focus on fraud prevention, cybersecurity risk management, commercial lending and consumer compliance issues, among other things, in 2017.It is paramount that credit union professionals consider these priorities in their risk management efforts. It’s like getting the answers to a test ahead of time. When the priorities come out, make sure the heads of the appropriate departments are made aware of them – you don’t have to be in compliance to benefit from knowing what the NCUA is focusing on.Once you have that heads up, prepare like you would for any test. For instance, to prepare for the NCUA’s focus on cybersecurity, check out NAFCU’s interactive workbook tool that helps credit unions do self-assessments of their cybersecurity risk management strategies with the Federal Financial Institutions Examination Council’s Cybersecurity Assessment Tool (CAT). The workbook is a self-tallying version of the CAT, which saves valuable time in the assessment process.Another option is to attend NAFCU’s Risk Management Seminar, set for July 24-26 in Denver. The Risk Management Seminar takes a broad look at risk. The conference will offer sessions on digital threats, the latest in cyber security and how to integrate data security and cyber security with an institution’s enterprise risk management (ERM) system. It will also cover fraud analytics, regulatory ERM expectations, creating an ERM charter and working with third parties. At the end, attendees will have the opportunity to earn NAFCU Certified Risk Manager designations.Risk is an ever-changing element of running a credit union – you can’t just “set it and forget it.” That’s why we at NAFCU want to offer you the best-specialized training available for all your risk needs, so you can find the solutions and strategies that fit your credit union best. I hope you’ll take a look at what our conference has to offer, and I look forward to seeing you in Denver. 33SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Devon Lyon Devon Lyon, a NAFCU Certified Compliance Officer (NCCO), was named director of education in August 2015. In this newly created position, Lyon oversees the development and administration of content for … Web: www.nafcu.org Detailslast_img read more

PREMIUMFemale workers in Indonesia earn 23% less than their male peers

first_imgLog in with your social account Forgot Password ? Facebook Women in Indonesia earn less money on average per month than men as the gender pay gap stood at nearly 23 percent in February, official data show, as female workers face undervalued work and inflexible working conditions.Women earned on average Rp 2.45 million (US$166.39) per month in February, marking an annual increase of 5 percent, according to survey data from Statistics Indonesia (BPS). Men earned higher on average at Rp 3.18 million per month, an increase of 4.3 percent over the same period.The inequality has slightly narrowed as the gender pay gap, the difference between the average wages of men and those of women as a percentage of men’s wages, was slightly higher at 23.44 percent in the same month last year. However, the wage gap has not improved very much from the level seen in February 2010 at 23.64 percent.The gender pay gap was estim… Google Topics : Linkedin LOG INDon’t have an account? Register here gender-equality workforce-in-indonesia labor-issues UN-Women ILO BPS data employmentlast_img read more

Arsenal boss Unai Emery can’t handle big name players like Mesut Ozil, says Michel Salgado

first_imgAdvertisement MORE: Phil Neville hails Liverpool’s Andrew Robertson as the best left-back in EuropeMORE: Matteo Guendouzi and Alex Iwobi duck down so Arsenal fans can watch penalty against Manchester United Arsenal boss Unai Emery can’t handle big name players like Mesut Ozil, says Michel Salgado Ozil and Emery work in training (Picture: Getty Images)‘He needs a squad with team-work players, players that he can shape, that he can develop, that he can get into his system.AdvertisementAdvertisement‘Then if he’s got depth in his squad and the right players to work for him during the season and they follow him and are ready for it, then he can get results like he did in Sevilla, winning three Europa Leagues back-to-back because the players were ready for him.‘They were great players, but no big egos, no big names. I think he needs to learn how to deal with egos. He’s still learning.‘I know in PSG it was difficult for him because those were really big egos.’ Míchel Salgado won 53 caps for Spain (Picture: Getty Images)43-year-old Salgado singled out Mesut Ozil as a player Emery may struggle with at Arsenal, but highlights the importance of getting the best out of the German.‘I think, here, the squad is quite big for him. Ozil can be the only one who is a special player because he’s a talented player.More: FootballChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityBruno Fernandes responds to Man Utd bust-up rumours with Ole Gunnar Solskjaer‘It’s the job to try to get him into the system because he will need him.‘A team like Arsenal needs sometimes a different player, a talented player, that’s Ozil for sure.’Ozil started in the victory over United at the Emirates, but it was only his 15th start of the season in the Premier League.He then got in the Arsenal fans’ good books by trolling Jesse Lingard after the match for his ‘dancefloor celebrations when scoring at the Emirates earlier this season.Dancefloor huh!? 🤨🤫😉 Superb performance! 💣 Brilliant result! 💥 Thank you Emirates Stadium! 👏🏼 Proud to be a Gunner! ❤❤ #YaGunnersYa #M1Ö #WeAreTheArsenal @Arsenal pic.twitter.com/EHn7CoHh2O— Mesut Özil (@MesutOzil1088) March 10, 2019 Comment Phil HaighMonday 11 Mar 2019 10:06 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link133Shares Unai Emery has not got the best out of Mesut Ozil this season (Picture: Getty Images)Arsenal boss Unai Emery ‘cannot handle big egos’ according to former Real Madrid player Michael Salgado.The Gunners moved back into the top four on Sunday with a 2-0 win over Manchester United and are now just one point behind Tottenham in third.Rio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starSalgado described Emery as a ‘special’ manager, but believes he still has a lot to learn if he is to succeed at the top level.‘He’s a special manager like [Rafa] Benitez,’ the Spaniard told Malaysian network Stadium. ‘He needs a squad with no big names, with no big egos. He cannot handle big egos.ADVERTISEMENT Advertisementlast_img read more

Poolside cabana a stand-out at contemporary country home

first_img20 Huntington Drive, Maudsland is set to go to auction in February.SPRAWLING over 800sq m, this luxurious family home, owned by a local couple, offers spectacular mountain views.The two-storey residence is spacious and contemporary, featuring high ceilings, glossy timber and tile flooring and an open-plan kitchen at the heart of the home. The poolside cabana. Picturesque surrounds.As well as the multiple entertaining areas, the home also offers dual living, with a separate two-bedroom, self-contained apartment downstairs. There’s also plenty of workspaces, storage and grassed areas, suitable for a children’s play area or an additional barbecue area. The 4736sq m property will go to auction on Thursday, February 22, at 11am, at the Gold Coast Turf Club. Hinterland views.center_img The kitchen is “at the heart of the home”.“It’s a superb property that takes full advantage of its hillside location with fantastic views to the mountains and has a really gorgeous, contemporary design,” marketing agent Josh Thomas said. More from news02:37Purchasers snap up every residence in the $40 million Siarn Palm Beach Northless than 1 hour ago02:37International architect Desmond Brooks selling luxury beach villa20 hours ago The house has five bedrooms and four bathrooms.The property is set up to entertain, with a unique poolside cabana exuding rustic luxe and equipped with a barbecue and bar area. “The owners have also got some elevated entertainment areas up the back of the property,” Mr Thomas said.last_img read more

Cute-as-a-button cottage in top location

first_img Record smashing suburbs of 2019 The home at 141 Oceana Tce, Lota. Picture: supplied.This bayside Queenslander at 141 Oceana Tce, Lota is packed with character while offering a floorplan that suits modern living. Owner Alisen Rudkin has lived in the property for 25 years after falling in love with the charm of the home. “We moved in and fully renovated the cottage,” she said.“There is a lot of character in the house and we left as much original as we could. “The house was once lived in by the cook of Lota House and the minister from the neighbouring Presbyterian church.” The upstairs living area at 141 Oceana Tce, Lota. Picture: supplied. MORE NEWS: Robyn Bailey sells Queensland home Southside stunner up for grabscenter_img Ms Rudkin said her children were raised at 141 Oceana Tce and the house expanded with the family.“We put a large deck on the back. We decorated downstairs and made it a liveable area,” she said. A gantry-style footbridge leads to the front deck and second floor of the home where there are timber floors, high ceilings and a fresh colour scheme. There is a beautiful living room and an open-plan dining and kitchen area with timber cabinetry and stainless steel European appliances. More from newsParks and wildlife the new lust-haves post coronavirus10 hours agoNoosa’s best beachfront penthouse is about to hit the market10 hours agoThe big deck looks out over the private backyard. Picture: supplied.A short hallway leads to the sunroom, bathroom and separate toilet, and out to the spacious covered timber deck. There are also two bedrooms on this floor with one having direct access to the front deck. Internal stairs lead down to a second living area that opens to the big rear patio. The two downstairs bedrooms have built-in wardrobes and there is also a study, laundry, bathroom and storage space. The home sits on a 455sq m block with establish gardens. The property is walking distance to Manly State School, St John Vianney’s Catholic School and both Manly and Lota train stations. It is also close to the esplanade, the Manly boat harbour and the Manly village. The property is going to auction on Saturday, December 14, and is being marketed by Gordon Walters of Remax Advantage.last_img read more

‘Heroes of Character’ nominations accepted now

first_imgBatesville, In. — Nominations are now being accepted for the “Heroes of Character” awards due on May 15.  Several local students and adults will be recognized at the “Heroes of Character” Celebration on October 25, 2018.  The Celebration is being hosted by the Southeast Indiana Coalition of the Character Council of Greater Cincinnati.“This will be our seventh “Heroes” Celebration.  What a delight to celebrate outstanding individuals whose stories of overcoming obstacles, career-long service to the community, and generosity to others provide hope and inspiration.  We honor them for their role as models and leaders of character in the community,” said Mary Andres Russell, Board of Directors’ member of the Character Council. The Character Council is currently seeking nominations for children and adults who embody the spirit of their positive character qualities.  Nominations may be submitted by teachers, co-workers, friends, or a coach.  The council is asking for a brief description which conveys examples of his or her exemplary behavior, how their behaviors and dispositions show character qualities in action, and obstacles they have overcome.  Nomination forms are available on the Character Council website. Proceeds from the benefit will support Character awareness campaign via multiple media platforms, Character training for schools, non-profits, and government organizations that would otherwise be unable to afford training, and general operations which includes support of “Communities of Character.”The Character Council serves Greater Cincinnati, Northern Kentucky, and Southeastern Indiana.  It is a non-profit organization whose mission is to foster character development in children and adults as a foundation for success.Through seminars, events, consulting, books, emails, and media promotions, the Character Council encourages the development of 49 positive character qualities, helps individuals discover the best in themselves, and helps business, education, government, and faith-based organizations facilitate positive cultural change.The Council is working to create “Communities of Character” across Greater Cincinnati where businesses, schools, government agencies, faith organizations, and the media work together to promote good character.  Partner schools, businesses, and non-profits see results in improved behavior and outcomes.  In 2017, the Council reached over 202,575 people with inspiring messages through partnerships with more than 75 organizations.For more information, please click here. visit http://charactercincinnati.org.last_img read more

Jamestown hosts IMCA Modifieds this Saturday

first_imgJAMESTOWN, N.D. – Jamestown Speedway rolls out the red carpet this Saturday, June 6 for the first of five appearances this season by IMCA Xtreme Motor Sports Modifieds on the ¼-mile high-banked clay oval.The feature pays $500 to win. IMCA Speedway Motors Weekly Racing National, Belleville Motor­sports North Central Region and Allstar Performance State Points will be awarded.“We like bringing the IMCA Modifieds here because it gives our fans a chance to see popular drivers they know and remember but don’t get to see race often,” said promoter Tim Baldwin.Pit gates open at 4 p.m. and the grandstand opens at 5 p.m. Racing starts at 7 p.m.; the IMCA feature will be the second main event on the evening’s program.There is no entry fee and pit passes are $25.Grandstand admission is $11 for adults, $6 for kids ages 61-14 and free for ages five and under. A family pass (two adults and their children) runs $30.IMCA Modifieds are also at Jamestown for the Kupper Chevrolet Dakota Classic Tour finale on July 10, on July 11 and Aug. 15.The sanctioned class is also part of the Sept. 25-26 Stampede. That event now pays $2,000 to win and is a qualifier for the 2016 Fast Shafts All-Star Invitational ballot.Hank Berry was the IMCA Modified winner last fall when the division made its Stampede debut. Car count that evening was 43.More information is available from Baldwin at 701 527-2467, on Facebook and at the track web­site.last_img read more

Making the Jump: What comes next?

first_imgView Gallery (2 Photos)In early November 2010, College Hockey, Inc. director Paul Kelly and NHL commissioner Gary Bettman helped organize a meeting between NHL officials and a number of college coaches including, among others, Wisconsin’s Mike Eaves, Minnesota’s Don Lucia and Boston University’s Jack Parker.A flight cancelation resulted in Eaves missing the summit, which he described as the first time the NHL got to hear college coaches’ grievances regarding early departures.Much like junior hockey leagues provide a place for college recruits to bide time before joining an NCAA program, college hockey essentially acts as a feeder system for the NHL. The allure of earning money and finally playing in the NHL is hard to resist for many kids.“Playing in the NHL’s been my dream since I was five years old,” former Badger Kyle Turris said in a phone interview. “Having the ability to play in the NHL after the first year of university, as it was, it’s my dream and what I always wanted to do.”Also considerable is the impact of the major junior route in the Canadian Hockey League. Made up of three member leagues, major junior features the same age group as other junior leagues, but the NCAA considers the CHL to be professional, eliminating college eligibility.CHL is generally considered the top developmental hockey league in North America and many of the NHL’s top players – guys like Sidney Crosby, Steven Stamkos and Eric Staal – played major junior instead of NCAA hockey.While those teams are often more talented, a player can only play until he is 20 years old. Not every kid is physically ready to play professional hockey at that point and could potentially find himself stuck with nowhere to go.But the NHL has leverage and isn’t in any position to give it up. Part of the appeal of college hockey is being able to stay for one year or four, depending on the needs of the individual. Forcing kids who want to play NCAA hockey to stay three years might push more of them to go the major junior route instead.And given the NCAA and major junior are equal feeder systems for the NHL, any agreement would need to appeal to not just one, but two other parties.All in all, it makes for a tricky situation.“I think that the simple answer would be, much like football, you can’t leave until after your junior year,” Eaves said. “The problem is, major junior kids are done when they’re 20. So we’re looking at two different levels, and how do we make those two work. And I don’t have the answer to that right now.”Former Badger Derek Stepan left after two years of college hockey and said what makes the situation difficult is how much a player’s individual needs can vary. One player might be physically ready at age 19, while another might not fill out until he turns 23. In short, there’s no catch-all solution.“I’m not quite sure if I was put into that situation, what I would do. There’s different situations for every player,” Stepan said in a phone interview. “I definitely think I still would have gone to college regardless. At the time [I] went into college, I was still a couple years out from even being close to being ready for the NHL.But forcing players to stay a minimum of three years could backfire as well.“There’s also guys on the other end saying this is the way it works, guys can come in and leave early and you can’t really change the rule,” Stepan said. “If you do, they’re just not going to go to college anymore.”While there has only been discussion rather than rule-drafting so far between representatives from college hockey, the NHL and major junior, Eaves said that is the first step toward an eventual policy change.Whether it involves changing draft ages, how long athletes need to stay in college or even how much conversation and persuasion NHL teams can have over their college-bound prospects, Eaves said in the end, something has to be done.“These are little details, but ultimately there’s got to be a policy that the National Hockey League, major junior and college hockey will be able to work together with,” he said.Eaves said another chance to discuss the issue could come when the NHL general managers meet during the Stanley Cup Finals in June.“The first step is getting together in the same room and having dialogue,” Eaves said.“There’s a lot of bright people that are in that room and hopefully they can hear our concerns. We know what the concerns of major junior [are] and we can come up with some kind of solution.”Visit badgerherald.com/blogs/sports for additional quotes and notes.last_img read more

Badgers head to Boston to face pair of ranked opponents

first_imgAfter starting out the season 2-0 for the first time since 2004, the Wisconsin men’s hockey team hits the road for a pair of games against Boston’s finest.The No. 2 Badgers (2-0) will take on No. 7 Boston College (1-1) Friday night before heading to a meeting with No. 15 Boston University (3-0) Saturday. Both are a one-game series showdown of some of hockey’s most successful names, and UW will be eyeing success in its first contests against ranked opponents of the season.“Road series are a blast. We love traveling together. I think a lot of us look forward to on the roadies,” junior defenseman Jake McCabe said. “Going to two programs that are as competitive as they are, it should be fun.”Determined to take it one game at a time, UW has solely focused on BC in its preparations this week, knowing it will be facing a faster and more skilled opponent than it has seen thus far.“Boston College is known for small, chippy, fast forwards. We are focusing on that and finding their key players and taking them away from the puck,” McCabe said. “They have a great squad and a lot of offensively gifted players.”BC is coming off a 7-2 win over Rennselaer Sunday. All seven of BC’s goals were scored by different players, showing the depth of the team’s strength UW will have to be ready for.“They are very strong down the middle. They have three seniors in center ice. They have some good size on the defense,” head coach Mike Eaves said. “They have abilities and they like to play at a high tempo. They are going to jump at us and try to take time and space away.”Yet BC’s defense will face a similarly strong team in Wisconsin. In last Friday night’s matchup alone, 10 Badger players recorded points. Currently leading the team in goals is freshman forward Grant Besse, who scored the game winning goal in a thrilling game two against Northern Michigan Saturday. While the freshman still has a way to go in learning the offensive schemes of his new Badger team, the depth of Wisconsin will pose a huge challenge to BC skaters and goaltender.Sophomore center Nic Kerdiles is riding a 14-game point streak, starting off the season on a strong foot with a goal and two assists alongside linemates senior Michael Mersch and junior Joseph LaBate. Adding to the depth are seniors Mark Zengerle and Tyler Barnes, who together have tallied a goal and three assists on the season. While freshman redshirt linemate Morgan Zulinick has yet to earn a point this season, his highly anticipated return after a season-ending injury last year did not go unnoticed last weekend.While on the depth chart Kerdiles might be listed on the second line, Eaves sees little distinction between the two top lines.“I would say, and some will say, that we have two first lines and two third lines. I think that’s a pretty good analogy,” Eaves said.Working on the power play will be a key to Wisconsin’s success come Friday. BC suffered its first loss of the season to UW’s new Big Ten conference foe Michigan on Thursday. In the 3-1 defeat, the Eagles fell victim to the power play, giving up two goals while a man-down.Wisconsin showed fluctuating strength on the power play last weekend with a strong set of skaters in Barnes, Mersch, Zengerle, Kerdiles and McCabe leading the man-advantage squad. However, Wisconsin scored on just one of 10 power play opportunities against Northern Michigan. Against ranked teams this weekend, UW will need to capitalize on these opportunities if it hopes to return with a pair of wins.“We have some good personnel on it and we are clicking right away and coach is happy about that,” Kerdiles said. “We all feel confident it’s just going to take some more reps for it to start getting even better.”Eaves confirmed junior goaltender Landon Peterson will start in net for UW to begin the weekend. Peterson and junior guard Joel Rumpel split the series against NMU, as they did for most of last season before Rumpel earned the starting job come playoff time.Historically, BC holds a 12-9-0 record over UW, beating the Badgers the last two times the teams faced off at Kelley Rink in 2008 and 2002.After the game with Boston College, UW will head Agganis Arena to play the Terriers the following night. Boston University is riding a 3-0 start to the season with wins against St. Francis Xavier, Massachusetts and Holy Cross, all within a two-goal margin.Like BC, the Terriers have a widespread set of scorers that will be called to action against the Badgers.Giving up just three goals thus far and two coming from power plays, the ability to capitalize on the man-advantage will be equally as important in the second game of the weekend.last_img read more

Pompano Beach Cultural Center Presents “For Colored Girls Who Have Considered…

first_imgPOMPANO BEACH, Florida – The Pompano Beach Cultural Center is proud to present a staged play reading of the Tony-nominated For Colored Girls Who Have Considered Suicide/ When the Rainbow Is Enuf. This remarkable play, written by Ntozake Shange, takes place in Harlem in the early 1970s. The play made its Broadway debut in 1976 and has been adapted into a book, a television film and a theatrical film. The reading, followed by a talk-back, takes place Saturday, August 31 at 3pm.“This play is just as relevant and provocative as it was in the 1970s,” said Phyllis Korab, Cultural Affairs Director. “We are very proud to present this important work and to open a dialogue about social problems in an honest, heartfelt and empowering fashion.”The play’s author, Ntozake Shange, captures the essence of women of color in the twentieth century trying to survive urban life in an impoverished Harlem. First published in 1975, the play received the Obie Award and was highly praised including in The New Yorker for “encompassing…every feeling and experience a woman has ever had.”For Colored Girls… tells the stories of seven women who have suffered oppression in a racist and sexist society. The piece is a series of 20 separate poems choreographed to music that weaves interconnected stories of love, empowerment, struggle and loss into a complex representation of sisterhood. The cast consists of seven nameless African American women only identified by the colors they are assigned. They are the lady in red, lady in orange, lady in yellow, lady in green, lady in blue, lady in brown, and lady in purple. Subjects of rape, abandonment, abortion and domestic violence are tackled.For Colored Girls… is a piece of work inspired by events of Shange’s own life. Shange admitted publicly to having attempted suicide on four different occasions. In a phone interview conducted with CNN, she explained how she came to the title of her choreopoem: “I was driving the No. 1 Highway in northern California and I was overcome by the appearance of two parallel rainbows. I had a feeling of near-death or near catastrophe. Then I drove through the rainbow and I went away. Then I put that together to form the title.” The colors of the rainbow then became the essence of the women in the choreopoem. Shange also explains that she chose to use the word “colored” in the title of her choreopoem so that her grandmother would be able to understand it.This reading is produced and directed by Rachel Finley. Due to content, this show is not recommended for those under 17 years of age without parental accompaniment.Pompano Beach Cultural Center is located at 50 W. Atlantic Blvd., Pompano Beach, FL 3306last_img read more