Ernst & Young's (EY) sixth annual survey of North American insurance chief risk officers (CROs) provides an overview of current enterprise risk management (ERM) capabilities, practices and organizations.

This year's survey revealed a spectrum of maturity levels of ERM programs — from firms employing very impressive frameworks that are integral to and influential in how the business is run, to others that are limited in scope and formality. To a degree, this variety reflects the inclusion of a broader and more diverse group of participants in the 2016 survey, compared with past years'.

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