Risk Essays (Examples)

Study Document

Risk Management And Insurance

Pages: 4 (1093 words) Sources: 1 Document Type:Questionnaire Document #:95274016

Annuities account for a great part of the protection one affords self against death. They do not follow the application of the law of large numbers as the law is traditionally utilized in life insurance. It has, therefore, been referred to as “upside-down life insurance.” When an annuitant passes away during the period of accumulation, their beneficiaries are paid a death benefit. The common treatment of annuities is to account for gross premium returns excluding interest or to account for the cash value, whichever is greater. The principle is for the principal sum to be liquidated over the annuitant’s lifetime regardless of the means of accumulation.
Annuities can fall under various classes. Traditionally, the following classifications have been used to differentiate annuities:
i. Individual vs. group annuity
ii. Fixed-dollar vs. variable annuity
iii. Deferred annuity vs. immediate annuity
iv. Installment annuity vs. single-premium annuity
v. Single life vs.……



Vaughan, E. J., & Vaughan, T. (2007). Fundamentals of risk and insurance. John Wiley & Sons.


Study Document

Enterprise Risk Management In Wells Fargo During The Pandemic

Pages: 15 (4587 words) Sources: 15 Document Type:Essay Document #:32848070

Enterprise Risk Management in Wells Fargo during the Pandemic
As Beasley (2020) points out, enterprise risk management (ERM) is especially needed during the COVID 19 pandemic because of the “number of different, but interrelated risks spread all across most organization” (p. 2). COVID 19 is not just a factor that has impacted one business or industry. It has … Wells Fargo specifically because of its role in managing loan products, using interest rates to attract savers, and offering investment advice. “No single risk associated with the COVID-19 pandemic crisis can be managed in isolation,” as Beasley (2020) points out (p.2). This means that from an ERM … in isolation,” as Beasley (2020) points out (p.2). This means that from an ERM perspective the problem has to be approached comprehensively with risk understood at the macro level. This paper will provide 1) a critical analysis, including a comparison and contrast……



Beasley, M. (2020). How to Leverage ERM Principles to Better Respond to COVID-19-Related Risks. ERM Professional Insights.

Derysh, I. (2020). Watchdog questions why Wells Fargo reported giving only one large PPP loan to a Black-owned business. Retrieved from  https://www.salon.com/2020/07/22/watchdog-questions-why-wells-fargo-reported-giving-only-one-large-ppp-loan-to-a-black-owned-business/ 

English, C. (2020). Wells Fargo Forced to Cut Its Dividend After Fed Stress Test. Here’s What Other Banks Did. Retrieved from  https://www.barrons.com/articles/wells-fargo-forced-to-cut-its-dividend-after-fed-stress-test-51593467664 

Hall, J. (2007). Internal Auditing and ERM: Fitting in and Adding Value. Retrieved from  https://global.theiia.org/about/about-the-iia/Public  Documents/Sawyer_Award_2007.pdf

Kaplan, R. & Mikes, A. (2012). Managing risks: A new framework. Harvard Business Review, 3.

Lewis, M. (2010). The Big Short. NY: W. W. Norton.

Lundqvist, S. (2014). Abandoning Silos for Integration: Implementing Enterprise Risk Management and Risk Governance. Lund University.

Morgenson, G. (2020). More Wells Fargo customers say the bank decided to pause their mortgage payments without asking. Retrieved from https://www.nbcnews.com/business/personal-finance/more-wells-fargo-customers-say-bank-decided-pause-their-mortgage-n1234610

Study Document

Understanding The Factors Affecting The Success Of Credit Risk In

Pages: 11 (3237 words) Sources: 15 Document Type:Research Paper Document #:41178734

… more with the advancement of globalization. In each regard of their business operations, banks ought to take effective measures in order to diminish risk by pinpointing the prospective causes based on real-world circumstances. Imperatively, the banking sector is deemed to be a significant source of financing for … a significant source of financing for several companies and entrepreneurs. In the past decade, there have been dramatic changes concerning the management of risk in the banking industry. Progressively more financial institutions and managers have augmented the focus on the significance of risk management. In delineation, risk management encompasses the practice of identifying, assessing and listing of risks followed by organized and cost-effective application of resources to curtail, supervise and control the probability and influence of disastrous events or to capitalize … as financial intermediaries within any economic setting and they are key providers of financial credit to both the corporate……



Bhattarai, Y. R. (2016). Effect of credit risk on the performance of Nepalese commercial banks. NRB Economic Review, 28(1), 41-64.

Das, A. and Ghosh, S. (2007). Determinants of Credit Risk in Indian State-owned Banks: An Empirical Investigation. Economic Issues, 12(2): 48-66.

Derelio?lu, G., & Gürgen, F. (2011). Knowledge discovery using neural approach for SME’s credit risk analysis problem in Turkey. Expert Systems with Applications, 38(8), 9313-9318

Garr, D. K. (2013). Determinants of credit risk in the banking industry of Ghana. Developing Country Studies, 3(11), 64-77.

Gizaw, M., Kebede, M., & Selvaraj, S. (2015). The impact of credit risk on profitability performance of commercial banks in Ethiopia. African Journal of Business Management, 9(2), 59-66.

Johnson, B., & Christensen, L. (2008). Educational research: Quantitative, qualitative, and mixed approaches. New York: Sage.

Kithinji, A. M. (2010). Credit risk management and profitability of commercial banks in Kenya. (Doctoral dissertation, University of Nairobi).

Limam, I. (2001). Measuring technical efficiency of Kuwaiti banks. Kuwait: Arab Planning Institute.

Study Document

How Amazon Hedges Its Forex Risk

Pages: 8 (2549 words) Sources: 5 Document Type:Essay Document #:96070504

… terms of costs and revenues, there still foreign currency profits that end up being translated back to Amazon’s financial statements. This creates translational risk for the company. The operating offsets mean that Amazon doesn’t need to utilize hedging strategies, but tactics like offsetting costs and revenues, and … doesn’t need to utilize hedging strategies, but tactics like offsetting costs and revenues, and diversification of international operations, help Amazon reduce the translational risk that it faces. This paper will examine what foreign currency exchange rate risks Amazon faces, and what tactics it undertakes to mitigate these risks on its income statement and balance sheet.
Amazon has online retail operations in 58 countries around the world, and these are typically … around the world, and these are typically priced in local currency. This has implications for the company’s strategies with respect to foreign exchange risk, and foreign exchange cash flows.……



Amazon 2019 Annual Report. Retrieved April 29, 2020 from  https://s2.q4cdn.com/299287126/files/doc_financials/2020/ar/2019-Annual-Report.pdf 

HowMuch.net (2019) Charting the most powerful reserve currencies in the world. HowMuch.net. Retrieved April 29, 2020 from  https://howmuch.net/articles/worlds-top-reserve-currencies-2019 

Mehta, N., Detroja, P. & Agashe, A. (2018) Amazon changes prices on its products about every 10 minutes – here’s how and why they do it. Business Insider. Retrieved April 29, 2020 from  https://www.businessinsider.com/amazon-price-changes-2018-8 

Reiff, N. (2020) Hedge. Investopedia. Retrieved April 29, 2020 from  https://www.investopedia.com/terms/h/hedge.asp 

Roamy (2019) The consequences of Amazon’s pricing power. Medium.com. Retrieved April 29, 2020 from  https://medium.com/goods-services/https-medium-com-goods-services-amazons-pricing-power-797e28b63fbd 

Statista (2019) Annual net sales of Amazon in selected leading markets from 2014 to 2019. Statista. Retrieved April 29, 2020 from  https://www.statista.com/statistics/672782/net-sales-of-amazon-leading-markets/ 

Study Document

Emergency Managers And Climate Risk

Pages: 7 (2056 words) Sources: 6 Document Type:Essay Document #:49338362

… earth’s natural systems. Against this backdrop, it is clear that emergency managers face a number of significant challenges in preparing for climate change-associated risks, including most especially the need to overcome misguided and misinformed views about these potential risks to communities across the country. The purpose of this paper is to provide a review of the relevant literature to develop a timely … you enter the field, what can you highly educated individuals do to ensure that you are informed about and planning for ALL high risk hazards, climate risks included?” To this end, an examination of the current issues facing emergency managers planning for climate risks is followed by a discussion concerning some success stories in planning for climate risks as well as a description concerning how these successes were achieved. Finally, an assessment concerning how this information can be applied in a … can be applied in……



Edwards, F. L. (2011, Spring). Symposium: Preparing for climate change. The Public Manager, 40(1), 20-25.

IPCC Working Group II. (2014). Assessing and managing the risks of climate change. Retrieved from https://www.ipcc.ch/site/assets/uploads/2018/03/WGIIAR5_SPM_Top_Level_ Findings-1.pdf.

Labadie, J. R. (2011). Emergency managers confront climate change. Sustainability, 3, 1250-1264.

Leven, R. & Goldstein, Z. (2019). Kentucky is among the states blocking climate action. As weather gets more extreme, its residents — and U.S. taxpayers — are paying a price. Public Integrity. Retrieved from  https://publicintegrity.org/environment/one-disaster-away/a-dangerous-disconnect-disaster-prone-states/ .

Mickus, J. (2017, June 1). A Sugar Creek chronicle: Observing climate change from a Midwestern woodland. Perspectives on Science and Christian Faith, 69(2), 110-114.

The Nature Conservancy. (2020). Pennsylvania climate solutions. Retrieved from https://www. nature.org/en-us/about-us/where-we-work/united-states/pennsylvania/stories-in-pennsylvania/pennsylvania-climate-solutions/.

Study Document

Barriers That Prevent Implementation Of IoT Within Small Businesses

Pages: 18 (5252 words) Sources: 37 Document Type:Case Study Document #:25628514

… purpose of this study is to develop timely and informed answers to a series of guiding research questions and subquestions to identify the risks and barriers that are associated with Internet of Things implementations. These types of studies are important today because the Internet of Things is … of Things (IoT) and an analysis of current trends that are having an impact on its proliferation. In addition, an examination of the risks that are associated with the implementation of IoT is followed by an analysis of other barriers that prevent the implementation of IoT by … the following guiding research questions and subquestions as stated in the introductory chapter:
RQ1. Why do SMEs view implementing and using IoT a risk?
What are the barriers (real or perceived) to implementation of IoT?
RQ2. How are IoT security risks and business risks related?
RQ2a. Under what conditions would SMEs adopt……



Ahamed, J., & Rajan, A.V. (2016). Internet of Things (IoT): Application systems and security vulnerabilities. 2016 5th International Conference on Electronic Devices, Systems and Applications (ICEDSA), 1-5.

Aishah, S., Sahandi, R., Prakoonwit, S., & Khan, W. (2019). Big data and IoT opportunities for small and medium-sized enterprises (SMEs). In Handbook of Research on Big data and the IoT. doi: 10.4018/978-1-5225-7432-3.ch005

An, N. & Wang, J. (2018, October). Research and practice on innovative methods of ideological and political education for college student. Educational Sciences Theory and Practice, 18(5), 2386-2391.

Banham, R. (2016, July-August). IoT complexity: As the Internet of Things expands, the risks-and questions of liability-become more complicated. Risk Management, 63(6), 39-44.

Bhardwaj, A., Subramanyam, G. V., Avasthi, V. & Sastry, H. (2016). Review of solutions for securing end user data over cloud applications. International Journal of Advanced Computer Research, 6(27), 2277-2291.

Bok, H. (2014, September). An empirical study on factors influencing Internet advertising effects. Advances in Management, 7(9), 6-9.

Business.com. (2018). Disaster preparedness for small businesses. Business.com, September 26. Retrieved from  https://www.business.com/articles/business-disaster-prep/ .

Cass, J. (2019). Internet of Things: What it is, how it works, examples and more. Just Creative. Retrieved from  https://justcreative.com/2018/11/19/internet-of-things-explained/ .

Study Document

Violence Prevention Programs

Pages: 9 (2805 words) Sources: 6 Document Type:Essay Document #:52417572

… certainly one perspective to consider. People who commit acts of violence are not prohibited from thinking that the benefits of crime outweigh the risks. People are cable of reason, even if they reason wrongly in some cases—like when they decide to commit an act of violence. Rational … be done without the participant’s consent. But once consent is given, the help should come in the form of one who knows what risks to look for and what aid can be provided, whether in terms of assisting the family to get on welfare services, or recommending … on welfare services, or recommending counseling for further mental health help if the participants are showing signs of substance abuse or other negative risks.
To assist with the development of these programs, administrators can turn to communities for further funding by using social media campaigns to drum … unknown when a normal society……



Altafim, E. R. P., & Linhares, M. B. M. (2016). Universal violence and childmaltreatment prevention programs for parents: A systematic review. Psychosocial Intervention, 25(1), 27-38.

Alternative Paths. (2020). Violence prevention. Retrieved from  https://www.alternativepaths.org/services/diversion-programs/violence-prevention-program 

Farrell, A. D., Meyer, A. L., Kung, E. M., & Sullivan, T. N. (2001). Development and evaluation of school-based violence prevention programs. Journal of clinical child psychology, 30(2), 207-220.

Johnson, D. W., & Johnson, R. T. (1995). Why violence prevention programs don't work--and what does. Educational Leadership, 52(5), 63-68.

Lee, C., & Wong, J. S. (2020). Examining the effects of teen dating violence prevention programs: a systematic review and meta-analysis. Journal of Experimental Criminology, 1-40.

Siegel, L. (2018). Criminology, 7th Ed. Cengage Learning.

Stagg, S. J., & Sheridan, D. (2010). Effectiveness of bullying and violence prevention programs: A systematic review. Aaohn Journal, 58(10), 419-424.

Study Document

Conflict Styles That Prevent Collaboration Among Team Members

Pages: 4 (1267 words) Sources: 3 Document Type:Essay Document #:15319508

… concepts are helpful in understanding why conflict is occurring and changing steps and styles in how one communicates so as to mitigate the risk of conflict occurring. It takes two to tango, as the saying goes, so by focusing on yourself you can make the necessary changes ……



Hocker, J.W., & Wilmot, W.W. (2014). Interpersonal conflict (9th ed.). VitalSource Bookshelf.

Sanchez-Nunez, M., Patti, J. & Holzer, A. (2015). Effectiveness of a leadership development program that incorporates social and emotional intelligence for aspiring school leaders. Journal of Educational Issues, 1(1), 5-9.

Wallensteen, P. (2018). Understanding conflict resolution. SAGE Publications Limited.

Study Document

Care Plan

Pages: 6 (1764 words) Sources: 6 Document Type:Case Study Document #:78842568

Case Study and Care Plan: High-risk Obstetrics for Women in Rural America.
High-risk pregnancies are a risk to the health of both the mother and her fetus. A pregnancy turns to a high-risk if the mother is suffering from existing health conditions, for example, high blood pressure, being HIV-positive, or diabetes. Other factors that promote high-risk pregnancy include obesity and overweight, early or old maternal age, and multiple births (Lowery, 2018). The problem of high-risk pregnancies is exacerbated by the rurality of the region a woman lives. Americans in rural America often have worse health as compared to … geographically isolated, have low socioeconomic status, limited access to income-generating opportunities, and the majority are older. These problems are even more pronounced to high-risk pregnant women living in rural America. This paper, therefore, explores the case of high-risk pregnancies in rural America and proposes a care plan that is driven……



American College of Obstetricians and Gynecologists. (2015). ACOG Practice Bulletin No. 156: Obesity in pregnancy. Obstetrics and Gynecology, 126(6), e112–126.

Gallardo, A. & Martin, N. (2017, Sept. 5). Another Thing Disappearing From Rural America: Maternal Care. ProPublica. Retrieved from  https://www.propublica.org/article/another-thing-disappearing-from-rural-america-maternal-care 

Healy, J. (2018, July 17). It’s 4 A.M. The Baby’s Coming. But the Hospital Is 100 Miles Away. The New York Times. Retrieved from  https://www.nytimes.com/2018/07/17/us/hospital-closing-missouri-pregnant.html 

Hung, P., Henning-Smith, C. E., Casey, M. M., & Kozhimannil, K. B. (2017). Access to obstetric services in rural counties still declining, with 9 percent losing services, 2004–14. Health Affairs, 36(9), 1663-1671.

Lowery, C. (2018). “Chapter 6: High-Risk Obstetrics and Telehealth,” in Rheuban, K.S. & Krupinski, E.A., Understanding Telehealth. McGraw-Hill Education. 

National Institutes of Health, (2017). What is a high-risk pregnancy? Retrieved from  https://www.nichd.nih.gov/health/topics/pregnancy/conditioninfo/high-risk 

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