Did enterprise risk management (ERM) fail the companies at the epicenter of the financial services meltdown or did the companies fail to properly employ ERM? While this question will vex many for a long time to come, it is especially urgent for insurers to understand whether their ERM practices are actually protecting them, or merely providing an illusory comfort.

A collection of essays, “Risk Management: The Current Financial Crisis, Lessons Learned and Future Implications,” published jointly by the Society of Actuaries, the  Casualty Actuarial Society and the Canadian Institute of Actuaries, examines the past culpability and the future efficacy of ERM.

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