Just as risk management is the hot topic in financial services today, integrated risk management is the hot topic among risk managers.

By now you've probably read about The Office of the Comptroller of the Currency's "Supervision by Risk" program as well as similar initiatives by the other bank regulatory agencies. And, while financial services entities continue to strengthen risk management practices in specific areas (e.g., market risk), the real focus at banks around the country is on how to pull it all together and develop an enterprise risk profile.

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