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MORF - Management of Risk Foundation - BrainDump Information

Vendor Name : Exin
Exam Code : MORF
Exam Name : Management of Risk Foundation
Questions and Answers : 140 Q & A
Updated On : November 16, 2018
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MORF exam Dumps Source : Management of Risk Foundation

Test Code : MORF
Test Name : Management of Risk Foundation
Vendor Name : Exin
Q&A : 140 Real Questions

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Exin Exin Management of Risk

Greek insurer sale doubtful after row between buyers | killexams.com Real Questions and Pass4sure dumps

ATHENS (Reuters) - A deal to sell country wide bank of Greece’s insurance unit to U.S. and Dutch traders seemed fragile after a prison row erupted between both buyers on Wednesday.

U.S. investor Calamos family unit companions (CFP) noted in an emailed commentary it had filed a lawsuit in the U.S. against Dutch EXIN economic services Holdings for defaulting on loans.

Calamos Investments and EXIN companions, a Netherlands-based mostly investor concentrated on insurance, reinsurance and asset management, had agreed ultimate year to purchase 75 p.c of the country wide bank of Greece’s (NBGr.AT) assurance unit - country wide insurance - for 718 million euros ($889 million).

EXIN declined to touch upon the litigation itself, but stated on its web page it changed into ‘entirely dedicated’ to seeing the deal be triumphant in the prescribed timeframe.

The deal was signed in June however the buyers have yet to notify regulators at Greece’s valuable financial institution of key particulars.

“The financial institution of Greece has no longer obtained the folder containing the closing shareholding structure of the purchasing neighborhood,” a senior critical financial institution reputable advised Reuters, declining to be named. “We predict EXIN to accomplish that within the next days.”

The investment became imagined to be concluded via the end of March based on the phrases of the deal.

countrywide financial institution of Greece turned into not immediately available for comment. beneath the deal, it turned into to retain a 25 p.c stake within the assurance unit.

In an emailed press unlock, Calamos household companions (CFP) referred to it changed into in the hunt for immediate compensation of greater than $forty one million in predominant, plus interest, owed to them via EXIN under a collection of personal loan agreements. the complete volume changed into payable on December 31 2017, and turned into now in default.

It referred to EXIN has time and again did not deliver requested fiscal statements and different monetary, accounting and regulatory information and facts as required via the relevant loan agreements. additionally, the lawsuit seeks a full accounting of when and the way EXIN used the borrowed funds.

EXIN later responded with an announcement on its site.

“EXIN has lately been made aware that one in all its companions has chosen to situation an announcement regarding the existence of a litigation in opposition t EXIN. EXIN does not comment on litigation nor threats of litigation,” the business referred to.

“EXIN remains utterly committed to the expeditious close of the (national coverage) transaction in the prescribed timeframe.”

countrywide financial institution of Greece had put its coverage subsidiary up on the market as part of a restructuring plan authorized by using the european Union to exit non-banking operations and focal point on core banking.

Reporting by means of George Georgiopoulos, enhancing by using Louise Heavens and Elaine Hardcastle


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update 1-Greek countrywide financial institution's board approves sale of insurance unit to Calamos-EXIN | killexams.com Real Questions and Pass4sure dumps

(provides heritage, particulars)

ATHENS, June 27 (Reuters) - The board of Greece’s country wide financial institution (NBG) authorized the sale of a majority stake within the neighborhood’s absolutely-owned assurance subsidiary to American-Dutch consortium Calamos-EXIN, a banker close to the deal informed Reuters on Tuesday.

NBG is selling the unit as a part of a restructuring plan accredited by using the ecu Union to exit non-banking operations and focus on core banking.

“The board gave its eco-friendly light to the sale,” the banker said.

The banker didn't disclose details of the agreed sale fee or other phrases. particulars are anticipated to be announced at the bank’s annual meeting on Friday.

U.S.-based mostly Calamos Investments, which has $20 billion under administration, and EXIN partners, a Netherlands-primarily based investor focused on insurance, reinsurance and asset management, were bidding for as a minimum 75 p.c of countrywide assurance.

Calamos-EXIN turned into competing against three fascinated chinese organizations: Fosun, Shanghai-based mostly Gongbao and Wintime.

situated in 1891, countrywide assurance is Greece’s oldest insurer and provides life and non-existence assurance items. The enterprise had a 16.6 % share of the market closing 12 months and 2015 internet profit of ninety eight million euros ($110.fifty three million).

Calamos Investments CEO John Koudounis informed Reuters closing month Calamos-EXIN had put ahead a hard-to-suit bid however did not provide details. He stated other Greek-American buyers attracted to Greece had been gazing intently.

countrywide financial institution, which is forty percent owned by means of Greece’s HFSF financial institution rescue fund, will are searching for shareholder popularity of the sale at Friday’s annual assembly.

NBG become suggested by way of recommended on the divestment via Morgan Stanley and Goldman Sachs.

Exin partners purchased insurer AIG-Greece from AIG in December, partnering with Canellopoulos Adamantiadis insurance agency. ($1 = 0.8866 euros) (Reporting with the aid of George Georgiopoulos; modifying through Adrian Croft)




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MORF exam Dumps Source : Management of Risk Foundation

Test Code : MORF
Test Name : Management of Risk Foundation
Vendor Name : Exin
Q&A : 140 Real Questions

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Disaster-Risk Management in Laos | killexams.com real questions and Pass4sure dumps

INASIA

Weekly Insights and Analysis

August 15, 2018

By Derin Henderson

In July, Lao PDR experienced significant increases in water levels due to heavy rains from the southwest monsoon. The adverse effects were exacerbated by Tropical Storm Son-Tinh, which blew through several provinces in the south on July 18. The tropical storm damaged one of seven dams in a large hydroelectric network along the Xe-Pian River, in Attapeu Province.

Photo Credit: Phoutthavong SOUVANNACHAK, Shutterstock.com

Around 5 billion cubic meters of water were suddenly and devastatingly released downstream when the dam unexpectedly collapsed, affecting 13 villages and more than 16,000 people, over 10 percent of the province’s population. The flood of water and mud washed out roads and bridges and buried homes and buildings, leaving some 6,000 people homeless. The government has declared the region a national disaster area.

The heavy rains have also affected other provinces, and the Lao government has reported flooding in 373 villages in 10 provinces, affecting roughly 1.5 million people.

Lao PDR is exposed to many climate hazards, such as flooding, drought, landslides, storms, and typhoons. From 1970 to 2010, 33 natural hazard events were recorded, mostly floods and droughts, affecting almost 9 million people and causing economic damages of over USD 400 million.

The Lao government is actively promoting public awareness of disaster-risk reduction. The last decade has seen an important shift in risk-management strategies, from a reactive approach, focused on post-disaster relief, to a more proactive approach, emphasizing pre-disaster preparedness and prevention. Disaster-risk management is coordinated through a relatively new network of provincial, district, and village Disaster Prevention and Control Committees (DPPCs). District and village disaster units are still nascent, however, and have been the focus of capacity building in recent years.

The Asia Foundation and the Korean NGO Luminous Action OrganizatioN (LAON) are working together on a project called “Prepared and Resilient Communities in Lao PDR.” The goal is to increase communities’ resilience to disasters, particularly floods, in Luang Prabang Province by providing disaster-risk reduction and management training to provincial DPPCs, building a safe shelter and community center, and offering training to support disaster-resilient livelihoods in Xieng Ngeun District.

The training approach draws on the Community Emergency Response Team (CERT) model. CERT was first developed in the United States by the Los Angeles Fire Department in 1985 and is now widely seen as an effective tool for community preparedness worldwide. It equips community members with essential disaster-response skills and provides a framework for coordinated assistance to professional responders when needed. In 1994, the U.S. Federal Emergency Management Agency (FEMA) expanded the CERT materials to make them applicable to all hazards and made the program available to communities nationwide.

CERT has already been adapted for use in China, where USAID’s Office of U.S. Foreign Disaster Assistance and The Asia Foundation supported early efforts to develop community-based disaster management. Between 2012 and 2014, our China office worked with several communities to achieve recognition as model “prepared” communities. Now, just four years later, there are over 6,000 model communities throughout China. The Foundation is currently adapting the CERT training program for the Lao context.

This May, just before the dam collapse, the Foundation organized a CERT training by U.S. FEMA trainers for members of Lao PDR’s national and provincial DPCCs. The curriculum included flood response, fire safety, disaster first aid and medical operations, light search and rescue, and guidance on reducing traumatic stress after a disaster has struck.

In the wake of the flooding in Attapeu Province, the deputy prime minister was appointed to lead emergency relief, and a national response is under way. Some of the government personnel who participated in the CERT training in May, from the Ministry of Labor and Social Welfare and the Lao Red Cross, are part of the emergency response team now bringing humanitarian assistance to affected communities in Attapeu Province, and we are hopeful the skills they learned at the May training are mitigating the tragic effects of this disaster.

Derin Henderson is Environment Program advisor for The Asia Foundation in Lao PDR. He can be reached at derin.henderson@asiafoundation.org. The views and opinions expressed here are those of the author and not those of The Asia Foundation.


Laying the Foundation for Strong Healthcare Risk Management | killexams.com real questions and Pass4sure dumps

Source: Thinkstock

With cybersecurity threats becoming more sophisticated each day, healthcare organizations must implement necessary policies and procedures to keep sensitive data secure. A current and comprehensive healthcare risk management plan is a key component for maintaining data security.

Healthcare risk management involves entities ensuring all of their activities, processes, and policies are working to reduce liability exposure. Conducting risk management activities will help organizations keep patients safe and also ensure financial stability. 

Healthcare organizations are becoming more aware of the importance of managing their risk and how risk assessments, or the lack thereof, could potentially impact their business as a whole.

The 2017 HIMSS Analytics HIT Security and Risk Management Study found that 71 percent of healthcare clinical leaders believe that risk assessments were the key driver for decisions on where to invest in IT security.

The HIMSS study also showed that the percentage of healthcare executives who spend 7 percent to 10 percent of their IT budget on cybersecurity increased from 10 percent to 24 percent from 2015 to 2016.

This is a positive change from an earlier 2017 KLAS Research and College of Healthcare Information Management Executives (CHIME) study. That research found that 41 percent of CISOs, CIOs, CTOs, and other security professionals have dedicated less than 3 percent of their IT budgets to security. Eighteen percent of respondents said they have more than 7 percent of their IT budget focused on security.

More organizations seem to be taking note of the importance of investing into cybersecurity, and how such investments can help entities prevent, detect, and mitigate potential threats.

Making the necessary investment into security is just one small aspect of a thorough approach to healthcare risk management. Organizations will also need C-suite support, a proper risk assessment, and an applicable cybersecurity framework to support ongoing improvements.

Vendor Risk Management Key Focus in Recent HITRUST Program

Why Healthcare Cybersecurity is a Risk Management Issue

A risk assessment as part of the risk management plan

Conducting a risk analysis is part of the administrative safeguard requirement under HIPAA regulations. HHS requires that covered entities evaluate the likelihood and impact of potential risks to e-PHI, implement appropriate security measure to address those risk areas, and document the security measures.

“Risk analysis should be an ongoing process, in which a covered entity regularly reviews its records to track access to e-PHI and detect security incidents, periodically evaluates the effectiveness of security measures put in place, and regularly reevaluates potential risks to e-PHI,” HHS states on its website.

The risk analysis should review areas in which there is potential risk to the organization, such as PHI exposure. For example, covered entities should consider where all PHI is created, received, maintained or transmitted.

Additionally, changes should be made as new technologies are introduced. New tools (i.e., connected medical devices, cloud storage) could affect where ePHI is stored.

“Risk assessments, whether the synonymous risk analysis or often mistaken controls gap assessment, are integral components of the risk management lifecycle,” HITRUST VP for Standards and Analytics Bryan Cline explained to HealthITSecurity.com. “Risk management cannot be done effectively without either.”

A controls gap assessment provides organizations with an approach to managing information security risk through the design, implementation, monitoring/assessment, review and improvement of security controls, according to HITRUST.

HITRUST VP of Assurance Strategy and Community Development Michael Parisi told HealthITSecurity.com that organizations need to consider risks that are actually applicable to their operations. It is not beneficial to assume that there is certain risk.

Risk assessments, whether the synonymous risk analysis or often mistaken controls gap assessment, are integral components of the risk management lifecycle.

For example, a small healthcare provider may not allow its two physicians to utilize BYOD. In that case, there would not be ePHI stored on the physicians’ personal devices because they do not use them for work purposes. Many organizations are concerned over mobile device security and may have it listed as a top risk.

“There's this concept of inherent risk and residual risk,” Parisi stated, adding that entities must take care in reviewing what could actually bring harm to their organization. “A risk assessment really needs to include both components of that. Inherent risk could be not only security, privacy, and compliance related but it could be environmentally related as well, such as with business continuity planning and disaster recovery.”

Organizations also need to consider future strategy components, Parisi added. Entities must remember that risk management – and the associated risk assessment – should be ever-evolving. Things will happen farther down the road, whether an acquisition or new technology is added, and associated potential risk will subsequently change.  

ONC, OCR Revise HIPAA Security Risk Assessment Tool

Reviewing OCR HIPAA Guidance to Maintain Compliance

Ensuring C-suite support for stronger risk management

Without strong C-suite support, it will be very difficult to craft the right risk management plan, make necessary investments, and ensure overall data security.

Research has shown that there can be disagreements between the “business” and IT sides in healthcare. In the HIMSS Analytics HIT Security and Risk Management Study, clinical and business respondents had higher confidence in their organization's cyber attack preparedness than their IT and security counterparts. Business leaders also were more likely to see cybersecurity as a business risk issue, whereas clinical and IT leaders said it was a HIPAA compliance issue.

Chief Information Security Officers (CISOs) may be able to bridge this gap as their roles evolve, says Symantec Health IT Officer David Finn, CISA, CISM, CRISC.

“The next evolution [in healthcare] will be adopting this as a business risk model and getting security people who understand not only the technical security but the business needs and requirements,” he said.

Finn added that CISOs should be able to talk about business risk with their Chief Financial Officers (CFOs). CFOs are going to understand the financial impact if an organization can’t see patients for half a day because of an outage from ransomware.

“If you don't have a good, skilled CISO who has high emotional intelligence, can tell a story, and has high personal integrity, it will be difficult,” agreed Tufts CISO Taylor Lehmann. “People sometimes struggle describing or involving the need for cybersecurity risk management. And what ends up happening is it doesn’t get the attention it needs.”

However, finding the right cybersecurity leader is not an easy task. Eighty-four percent of healthcare organizations do not have a cybersecurity leader, according to results from a Q4 2017 Black Book survey.

Cybersecurity has to be a top-down strategic initiative as it's far too difficult for IT security teams to achieve their goals without the board leading the charge.

Out of the 323 strategic decision makers at US healthcare organizations who were surveyed, over half of all payers and providers said they do not conduct regular risk assessments.

Nearly all respondents – 92 percent – added that potential data breach threats and cybersecurity itself are still not key focus areas for their boards of directors.

"The low security posture of most healthcare organizations may prove a target demographic for which these attacks are successful," Black Book Managing Partner Doug Brown said in a statement. “Cybersecurity has to be a top-down strategic initiative as it's far too difficult for IT security teams to achieve their goals without the board leading the charge."

Healthcare organizations need to find strong cybersecurity leadership and then ensure that data security is part of the training process for employees at all levels.

How Cybersecurity Affects the Evolving Healthcare CISO Role

How to Build a Strong Healthcare Information Security Team

Source: Thinkstock

Choosing the right cybersecurity framework for better risk management

Cybersecurity frameworks are quickly becoming a necessity for healthcare organizations looking to instill a strong data security approach. These frameworks can also help entities better understand how to approach risk management.

More healthcare organizations are utilizing cybersecurity frameworks. The previously mentioned HIMSS Analytics study found that 61 percent of respondents use the NIST Cybersecurity Framework (CSF), 36 percent utilize HITRUST, and 36 percent said that they use Information Technology Infrastructure Library.

Each framework is slightly different, and organizations should opt for one which is applicable to their operations.

Tufts uses HITRUST, Lehmann said. No framework is perfect, and HITRUST itself is not perfect, he noted. But HITRUST has gone deeper in some of its explanations, which can be beneficial for healthcare in that it will have a better understanding of how security standards will be applicable.

“HITRUST has actually gone down and said, ‘Well, this is what secure wireless means,’” he explained. “Some of them have a great framework with great controls and they tell you what to do, or at least they tell you what the minimums are. Some are light on the detail. Others are heavy on the detail and they have other trade-offs.”

It is also a lot of work and costs money to implement cybersecurity frameworks.

“For an organization with maybe 10 or 15 people or a small physician practice, going down the HITRUST path would be extremely wasteful,” Lehmann said. “It would require huge amounts of work for little value. You have to think about all of that when you pick a framework and you try to figure out what’s best for the organization.”

Both HITRUST and NIST CSF controls can be adjusted depending on the size, complexity and type of organization. The NIST CSF was first published in February 2014 under a presidential executive order, and was last updated in December 2017.

Chris Reffkin, senior manager and leader of information security services in the Crowe Horwath LLP Technology Risk Consulting group, says that healthcare organizations should pick a cybersecurity framework that will help them in the long run.

“It’s important to stay the course and not get too excited about different things popping in or start becoming threat-focused instead of risk-focused,” Reffkin said, explaining that there should be a larger umbrella that encompasses the entire approach to risk.

For example, some organizations will write all of their policies related for HIPAA as their information security program. However, entities eventually realize that the information security and privacy program should be the overall umbrella.

“HIPAA should be one of those little arms coming off the umbrella,” Reffkin said. “And PCI should be one of those little arms coming off. Meaningful use should be one of those little arms coming off.  It shouldn’t encompass everything being done.”

Cybersecurity frameworks are beneficial because they give guardrails to follow so organizations are not going too far off their main mission of keeping patients safe, protecting information, and protecting the organization, he added.

“They’re really useful in giving you that middle line to follow and in understanding how to incorporate other requirements as they pop up,” Reffkin said.

HIMSS Urges Holistic Approach in NIST Cybersecurity Framework

NIST Cybersecurity Included in Latest HITRUST CSF Version

Reminders for risk management planning

Healthcare risk management must be an ever-evolving process. Covered entities and business associates cannot assume that their risk will remain the same over time. Cyberattacks will continue to become more sophisticated, and healthcare organizations must ensure that their data security approach will grow as well.

Here are key things to keep in mind when crafting a healthcare risk management plan:

  • Do reinforce cybersecurity as an important topic at all levels: the C-suite down to regular employees should be properly trained/educated
  • Do conduct regular risk assessments, risk analyses, and adhere to HIPAA requirements
  • Do proper research before implementing a cybersecurity framework: pick one that is applicable to the organization
  • Do not ignore accountability: it must be clear how security is supported at all levels.
  • Do not underestimate benefits of information sharing and collaboration.
  • Organizations must ensure that they are supporting security from the top down. From there, it will be much easier to create comprehensive risk management. 

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    Director Testifies that the U of L Foundation’s Tax Exemption Could Be at Risk | killexams.com real questions and Pass4sure dumps

    “Mask,” by 派脆客 Lee

    December 12, 2017; WDRB (Louisville, KY)

    On the annual IRS Form 990, the numbers provided are not the only data to be scrutinized. The narrative and answers to questions are just as important; they, too, must represent the 501c3, whether it is an organization doing charitable work, or a private, support, or even family foundation. Then, there are all those little boxes to check, which represent how business is accomplished. Just checking yes/no boxes on at least four pages of questions establishes criteria by which one can judge an organization.

    It’s a misrepresentation of facts that here threatens the tax-exempt status of the beleaguered University of Louisville Foundation. Each year, on its annual public 990 tax form, the Foundation noted that the compensation given to U of L’s former president, James Ramsey, along with other management positions, was based on compensation studies. Keith Sherman, the foundation’s interim executive director, testified in October that no such studies were prepared.

    “But in fact, for several years, there were not compensation studies done,” Sherman said, according to the transcript. “So that as a result has—at least for now there’s a question about the 501c3—501c3 status of the Foundation with the IRS.”

    The statement was made during a hearing to determine if unemployment benefits should be provided to Jason Tomlinson, the foundation’s former chief financial officer. Tomlinson was fired in July after an audit revealed malfeasance. He has filed suit for wrongful discharge, claiming he was a fall guy. NPQ has been following the story, a significant example of misuse of funds by a support foundation. The staff and board has largely been replaced in the aftermath.

    The interim executive director issued a response to WDRB News, stating that the foundation is “not aware of any imminent jeopardy” to its tax-exempt recognition. Sherman said that the foundation’s attorneys are working with the IRS and they have engaged a consultant to provide a current compensation study.

    Duane Tarnacki, a Detroit lawyer who represents nonprofits, stated that it would be “very unusual” for an organization to lose its tax-exempt status over such a misrepresentation. “Even if it were intentional, I don’t know that that would rise to a level where the IRS would take that drastic an action,” Tarnacki told WDRB News.

    There was no comment from the IRS on the matter.

    The IRS has options short of revoking the foundation’s tax exemption. Section 4958 of the IRS Code allows for excise taxes, or “intermediate sanctions,” to be levied against a nonprofit and its individual leaders when excessive compensation is determined. Intermediate sanctions can also be levied in cases of “private inurement,” when transactions happen that benefit others (especially a nonprofit’s “insiders”) more than they benefit the nonprofit.

    Donors have not been formally advised that foundation’s tax exemption may be at risk, and it was not discussed by the board during the public period of their meetings. The foundation has an endowment of $800 million, and receives contributions for the university, all of which would be disastrously affected by the loss of tax exemption.

    The foundation has gone through massive upheaval after the president of the university, Ramsey, who was also president of the foundation for 14 years, was forced to resign after a forensic investigation released in June revealed that the endowment was reduced by minimum of $42 million by “unbudgeted or excessive” spending, which included a “deferred compensation” program that provided $22 million to nine administrators.

    The foundation pay helped make Ramsey one of the highest-paid university presidents in the nation. His total pay, including from the university, averaged nearly $1.8 million from 2010–2016—as much as $3 million in a year (2012), according to the forensic investigation.

    On the last five tax filings, the box was checked to indicate that a compensation survey was accomplished, as well as repeating in narrative that compensation was set through “data gathering and analysis of compensation at comparably sized organizations along with benchmarking against other qualified officials in similarly situated positions,” according to a review by WDRB News.

    It’s easy for nonprofit organizations and their accountants to fill the 990 out by rote, doing the same thing every year. The U of L Foundation case has been a warning on so many levels, such as the use of endowments and how compensation is determined, and it now serves as a caution to all in the sector to pay attention to how those boxes are checked.—Marian Conway



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