Denise Tessier

About the Author

Denise Tessier

Denise Tessier is senior regulatory consultant for Insurance Compliance Solutions, Enterprise Risk Management and the Consulting Practice at Wolters Kluwer Financial Services. She may be reached at denise.tessier@wolterskluwer.com.

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  Using ERM Techniques To Mitigate Fraud

  By Denise Tessier  |  April 26, 2013

  Employing certain ERM techniques will enable insurers to better mitigate internal and external fraud risks. Here's how.

• Reassessing Fraud Risk, Part 1

  By Denise Tessier  |  April 25, 2013

  The first in a two-part series examines the fraud epidemic, from claims risks to employee crime.

• ERM & RMORSA: Overcoming Over-Confidence

  By Denise Tessier  |  March 6, 2013

  In light of PwC's findings, insurers need to re-evaluate whether their ERM and ORSA efforts are truly as effective as they believe.

• Evaluating Human Capital Risk: A Titanic Effort

  By Denise Tessier  |  February 25, 2013

  The Titanic's demise makes a case for ERM today and why staff and workflow management should be part of a company's risk framework.

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  Evaluating Human Capital Risk: A Titanic Effort

  By Denise Tessier  |  February 7, 2013

  The Titanic's demise makes a case for ERM today and why staff and workflow management should be part of a company's risk framework.

• The Risks in ERM Risk Models

  By Denise Tessier  |  December 3, 2012

  When it comes to ERM, models are extremely useful. Yet, they can also be dangerous.

• How Organizations Can Set Effective Risk-Tolerance and Appetite Limits

  By Denise Tessier  |  November 29, 2012

  Will you get pulled over if you are driving at 68 mph? It depends. Are you in a school zone, where the speed limit is 20 mph, posted with a flashing yellow sign? Are you in a densely populated area, where you are not supposed to go over 40 mph?...

• Taking a Bite Out of Risk Tolerance

  By Denise Tessier  |  November 16, 2012

  Know your company's risk tolerance to drive an effective ERM program and avoid stagnation.

• ORSA Feedback Pilot Project Lands with Little Turbulence

  By Denise Tessier  |  October 15, 2012

  Insurers voice opinions on the Model Act so regulators can review reporting requirements prior to the implementation deadline. What are they saying?

• Meeting Today’s Compliance Challenge: ERM & ORSA

  By Denise Tessier  |  September 20, 2012

  NAIC's ORSA approach continues to evolve rapidly. Improve your overall compliance and control efforts now.

• Embedding the ERM Message: Making it Real

  By Denise Tessier  |  August 8, 2012

  Instilling ERM practices at every level in your company is critical to program success. Here's why.

• Giving Risk Management a Voice

  By Denise Tessier  |  August 1, 2012

  This election year, risk managers must make their voices heard. Effective ERM practices will also be more crucial than ever.

• Cracking Open Key Risk Indicators

  By Denise Tessier  |  May 21, 2012

  Everyone wants to know what the future will bring—and this is especially true in the world of risk management, where professionals are dedicated to identifying current and future sources of risk or loss and eliminating or mitigating such potential loss through the application of controls.

• Cracking Open Key Risk Indicators

  By Denise Tessier  |  May 4, 2012

  Use KRIs to portend future trends, losses, and market opportunities for your company.

• Claims Manuals: Compliance Masterpieces

  By Denise Tessier  |  March 29, 2012

  Without succinct claims-handling policies and procedures, companies are at risk for significant losses.

• Don’t Duck Reputational Risk in ERM

  By Denise Tessier  |  March 15, 2012

  On March 14, 2011, Aflac severed ties with comedian Gilbert Gottfried, the quacking voice behind its popular television mascot, the Aflac Duck.