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Effective URL: https://www.phinityrisk.com/
Submission: On March 10 via api from US — Scanned from DE
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Schedule time with mepowered by Calendly Skip to content * Home * Solutions * Third Party Risk Management * Phast-Start: Third Party Risk Management * Procurement Compliance * Information Security Management System * Privacy Compliance * Insurance Compliance * Risk Response Management * Vulnerability Remediation * Continuous Compliance * Code of Practice for the Governance of State Bodies * Essential Risk Management * Phinity and Autopilot Procurement Compliance * Resources * Articles * Awards * News * References * Events * Podcasts * Youtube * Partners * Company * Contact Us × * Home * Solutions * Third Party Risk Management * Phast-Start: Third Party Risk Management * Procurement Compliance * Information Security Management System * Privacy Compliance * Insurance Compliance * Risk Response Management * Vulnerability Remediation * Continuous Compliance * Code of Practice for the Governance of State Bodies * Essential Risk Management * Phinity and Autopilot Procurement Compliance * Resources * Articles * Awards * News * References * Events * Podcasts * Youtube * Partners * Company * Contact Us - WHAT WE DO - ABOUT PHINITY RISK SOLUTIONS Phinity Risk Solutions develops cloud applications for the information risk and governance market. The Phinity Risk Solutions platform integrates into your risk and compliance processes to help you decrease your risk exposure. Boost your risk management capability and manage your organisational risks, from identification through to remediation, with the help of our powerful solutions. Make informed decisions faster with our strong and relevant reporting based on your risk and compliance data. Learn More EXPERIENCE TRUE PEACE OF MIND BY AUTOMATING YOUR RISK MANAGEMENT - PROBLEMS WE SOLVE - INTEGRATED RISK MANAGEMENT SOLUTIONS * THE PHINITY RISK SOLUTIONS * THIRD PARTY RISK MANAGEMENT (TPRM) MONITOR, EVALUATE AND REPORT ON ALL YOUR VENDORS AND THEIR POTENTIAL RISK TO YOUR ORGANISATION. * PHAST-START: TPRM PHINITY HAS TAKEN OUR WORLD-CLASS THIRD PARTY RISK MANAGEMENT (TPRM) SOLUTION AND DEVELOPED AN APPROACH TO ALLOW CUSTOMERS THE ABILITY TO ACCELERATE THEIR TPRM JOURNEY. * PROCUREMENT COMPLIANCE TRANSFORM YOUR PROCUREMENT DEPARTMENT THROUGH INNOVATION AND AUTOMATION. * INFORMATION SECURITY MANAGEMENT SYSTEM PHINITY REDUCES THE COST AND TIME INVOLVED IN RUNNING, MAINTAINING, AND AUDITING YOUR ISMS AS WELL AS THE CERTIFICATION PROCESS. * PRIVACY COMPLIANCE THE PHINITY PRIVACY COMPLIANCE SOLUTION WILL GIVE YOU CONFIDENCE IN YOUR PRIVACY PROGRAMME. * INSURANCE COMPLIANCE IDENTIFY, ASSESS AND MITIGATE INSURANCE GOVERNANCE AND COMPLIANCE RISKS FOR BINDER HOLDER, INTERMEDIARIES AND BROKERS. * RISK RESPONSE MANAGEMENT AUTOMATE YOUR PROCESSES SEAMLESSLY FROM IDENTIFYING YOUR RISKS, SELECTING YOUR RISK RESPONSE, THROUGH TO REMEDIATION. * VULNERABILITY REMEDIATION AUTOMATE THE ALLOCATION, TRACKING AND REPORTING OF VULNERABILITIES FROM ALL SOURCES. * CONTINUOUS COMPLIANCE PHINITY SUPPORTS CONTINUOUS COMPLIANCE BY INTEGRATING INTO YOUR MANUAL CONTROL PROCESSES, AUTOMATING THEM THROUGH OUR ROBOTIC PROCESS AUTOMATION (RPA) CAPABILITY. * CODE OF PRACTICE FOR THE GOVERNANCE OF STATE BODIES PHINITY PROVIDES AUDIT AND RISK COMMITTEES WITH A SINGLE, AUTOMATED SOLUTION. * ESSENTIAL RISK MANAGEMENT ESSENTIAL RISK MANAGEMENT SUPPORTS ORGANISATIONS TO QUICKLY IDENTIFY AND ASSESS STRATEGIC, OPERATIONAL, AND TACTICAL RISKS THAT COULD IMPACT THEIR RESILIENCE, VALUE OR ABILITY TO MEET THEIR STRATEGIC OBJECTIVES. * PHINITY AND AUTOPILOT PROCUREMENT COMPLIANCE SUSTAINABLE AND TRANSPARENT COMMERCIAL RELATIONSHIPS ARE OF STRATEGIC IMPORTANCE TO EVERY ORGANISATION. THE PHINITY RISK SOLUTIONS TRACK RISKS FROM IDENTIFICATION TO REMEDIATION With Phinity, risk management is made simple. Our reliable, adaptable and easy to use cloud platform will give you peace of mind knowing that you have built resilience into your business, effectively streamlining risk management in an auditable way. ONE CENTRALISED RISK MANAGEMENT PLATFORM We build and distribute innovative software solutions that discover, manage and mitigate business risk. THIRD PARTY RISK MANAGEMENT (TPRM) TPRM SOLUTION You can easily identify high-risk third-party vendors and implement risk mitigation plans in real time, leaving your organisation's resources to concentrate on other tasks. There are five steps to follow when automating your TPRM process. * IDENTIFY Before leveraging automation to mature your TPRM process, identify and collect all relevant data needed, including policies, relevant third parties, stakeholders, existing risk assessment, etc. * DIGITISE Upload your data onto the Phinity platform. Leverage Phinity’s pre-defined questionnaires and risk scoring or embed your current questionnaires and process. * ASSESS Perform inherent risk profiling of your selected third parties. Automate workflows, follow-ups, and tracking to streamline the risk assessment process. * REPORT Track the progress of all your assessment in real-time. View the inherent and residual risk ratings of your third parties or extract detailed reports on individual third parties as needed. Customise the reporting to meet your needs. * RESPOND Assign and track the risk items identified during your third party risk assessment through to remediation. Report on the progress of your remediation efforts. Learn More Request A Demo PHAST-START: TPRM TPRM PHAST-START SOLUTION Phinity has developed an approach that will enable customers to accelerate from a state of immature TPRM processes and lack of third party risk understanding to a well-defined, automated process with clear, actionable data to help manage third party risks in the space of approximately four weeks. There are five steps to Phast-Start your TPRM: * IDENTIFY Our professional services partner will understand your organisational landscape and provide a proven TPRM framework, customised and adapted to your organisation. * DIGITISE We will upload the information for ten third parties into the Phinity platform, configure our profiling and controls assessments, and set up custom roles for organisational users. * ASSESS We will perform an inherent risk profiling of the ten selected third-parties and a control assessment of the five third parties with the highest risk profiles. We will set up automated workflows and, in so doing, determine a sustainable process that can be followed in the future. * REPORT We will track the progress of the risk profiling and control assessments and provide feedback on status and risk results during the project. * REMEDIATE We will guide organisational users and assist them in following up with the third parties to remediate any risks identified. Learn More Request A Demo PROCUREMENT COMPLIANCE PROCUREMENT COMPLIANCE SOLUTION Achieve transparent and detailed compliance and risk management, and analysis with a centralised document repository accessible for key stakeholders at all levels. Follow these 5 steps in the Phinity Risk Response Management solution to achieve automation and process maturity. * IDENTIFY Identify and collect all relevant data needed. Data may include compliance standards, regulatory requirements, risk and supplier policies, third party processes and required workflows, key stakeholders from AML, privacy, compliance, information technology, finance, etc. * DIGITISE Design your register, upload available data, imbed onboarding processes with automated assessments using Phinity’s predefined or custom assessments to measure your suppliers’ level of compliance and risk. * ASSESS Perform inherent risk profiling of all suppliers to calculate every supplier’s risk and workflow based on supplier type, service and risk rating. Based on responses, calculate residual risk and compliance levels to ensure an acceptable level before onboarding. Automate workflows, follow-ups, and tracking to streamline the risk assessment process. * REPORT Track the progress of all your assessments in real-time. Confirm compliance processes are being followed. Track each level of compliance per supplier, calculate risk and customise the reporting to meet your needs. * REMEDIATE Achieve transparent and detailed compliance and risk management, and analysis with a centralised document repository accessible for key stakeholders at all levels. Management and staff can collect, analyse, and transform data to create rock-solid audit trails. Learn More Request A Demo INFORMATION SECURITY MANAGEMENT SYSTEM INFORMATION SECURITY MANAGEMENT SYSTEM SOLUTION The Phinity cloud platform integrates into your organisation’s processes to workflow, automate and scale your ISMS. Follow these 5 steps in the Phinity ISMS solution to achieve automation and process maturity. * PLAN Contextualise the oganisation, including ISMS scope and stakeholder mapping. Develop leadership and governance artefacts (including Policies, RASCI and Communication). Plan the assessment approach, the scope of inventory assets, and the the information security objectives with a plan to achieve them. * DIGITISE Integrate the platform into the process by uploading your information assets, configuring assessments and workflows according to the defined plan. * ASSESS Profile, assess and categorise all assests via a systematic, integrated solution that provides realtime data and analysis with recommendations on managing each asset according to risk, standards and policies. * REPORT Report against information security metrics, that align with the goals of your ISMS. * IMPROVE Assign, track, treat and demonstrate effective security mitigation and improvement actions according to your ISMS objectives. Learn More Request A Demo PRIVACY COMPLIANCE PRIVACY COMPLIANCE SOLUTION The Phinity Privacy Compliance solution takes a structured approach in assisting you to define and bring automation to your Privacy programme. With these five steps, Phinity takes you through to sustainable compliance and ensures that known risks and areas of non-compliance are tracked through to full remediation. * STEP 1: IDENTIFY Map your organisational structure, define your Privacy principles and approach, identify all stakeholders, and assign roles and responsibilities. * STEP 2: DIGITISE Digitise your Privacy programme by uploading your organisational structure, assessments, and unique business rules. * STEP 3: ASSESS Profile your business areas, and perform Privacy Impact Assessments to obtain real-time data and analysis with recommendations on Privacy risk mitigation and compliance according to risk, standards, and policies. * STEP 4: REPORT Report against Privacy principles by stakeholder group or by business area. * STEP 5: IMPROVE Assign, track, treat, and demonstrate effective compliance and improvement on risk mitigation, according to your Privacy principles Know your Privacy Compliance status and make informed decisions Learn More Request A Demo INSURANCE COMPLIANCE INSURANCE COMPLIANCE SOLUTION Assess, mitigate and manage risk and compliance processes throughout the insurance value chain, with a specific focus on outsourcing and distribution compliance. Follow these 5 steps in the Phinity Insurance Compliance solution to achieve automation and compliance. * IDENTIFY Develop your policies and procedures aligned to your local and global compliance obligations. Identify the third parties (eg intermediaries, brokers, binder-holders), within the scope and determine the associated stakeholders. * DIGITISE Upload your third party information into the Phinity Platform. Develop assessments that will support the analysis of third party compliance with regulations and Service Level Agreements (SLA). Digitise your process including configuring assessments and workflows according to the defined processes. * ASSESS Develop assessments that categorise outsourcing and third parties. Complete due diligence and compliance assessments, and track business resilience. * REPORT Report according to key business metrics, including compliance levels, business continuity, achievement of SLAs, risk exposure and non-compliance remediation progress. * MANAGE Manage and mitigate material risks including those relating to outsourcing and third parties. Assign, track, treat and accept risk within risk tolerance levels. Learn More Request A Demo RISK RESPONSE MANAGEMENT RISK RESPONSE MANAGEMENT SOLUTION Automate the risk management process, ensuring that risks and associated responses are well documented, accountability is clearly defined and progress to implement agreed treatment actions is tracked. Follow these 5 steps in the Phinity Risk Response Management solution to achieve automation and process maturity. * IDENTIFY Formally document business risks or threats with a recommended treatment action to mitigate to an acceptable level of residual risk. Identify the key stakeholders to take accountability for determining the risk response and implementation thereof. * AGREE Agree the appropriate risk response based on the business’ risk appetite. This may include risk acceptance, avoidance, transfer, or mitigation. Based on the selected response, agree on the treatment actions to be implemented. * TRACK Track the progress of the treatment actions from assignment through to closure. * VALIDATE Validate and manage the status and quality of treatment actions implemented, based on feedback from stakeholders and associated evidence that is uploaded into the solution. * REPORT Easily report on the status of risks response activity on a single platform. The solution will provide automated reports per stakeholder / business unit / assurance report. Learn More Request A Demo VULNERABILITY REMEDIATION VULNERABILITY REMEDIATION SOLUTION Automate the allocation, tracking and reporting of vulnerabilities from all sources so that your team can focus on closing vulnerabilities rather than on administering the process. Follow these 5 steps in the Phinity Vulnerability Management solution to achieve automation and protect against risk. * IDENTIFY Contextualise the oganisation, including ISMS scope and stakeholder mapping. Develop leadership and governance artefacts (including Policies, RASCI and Communication). Plan the assessment approach, the scope of inventory assets, and the the information security objectives with a plan to achieve them. * ALLOCATE Integrate the platform into the process by uploading your information assets, configuring assessments and workflows according to the defined plan. * TRACK Profile, assess and categorise all assests via a systematic, integrated solution that provides realtime data and analysis with recommendations on managing each asset according to risk, standards and policies. * VALIDATE Report against information security metrics, that align with the goals of your ISMS. * REPORT Assign, track, treat and demonstrate effective security mitigation and improvement actions according to your ISMS objectives. Learn More Request A Demo CONTINUOUS COMPLIANCE CONTINUOUS COMPLIANCE SOLUTION Phinity supports continuous compliance by integrating into your manual control processes, automating them through our Robotic Process Automation (RPA) capability, driving efficiencies, creating visual decision support, and higher levels of compliance. * IDENTIFY Define compliance framework based on legislation, industry standards, and internal policies and procedures. Identify information and physical assets where compliance is required. Lastly, identify stakeholders from a compliance, technical and business perspective. * DIGITISE Digitise the organisational compliance framework within the Phinity platform and configure the compliance workflow to automate the compliance assessment, treatment and reporting workflow. * ASSESS Assess the inherent risk of defined assets and complete control assessments of assets to test effectiveness and compliance levels. * REPORT Using the pre-defined risk assessment and treatment rules, Phinity will automatically generate proposed treatment actions. The compliance team validates results, adding context and relevant stakeholders. * REMEDIATE Report and track remediation efforts to ensure compliance is improved and met over time through continuous testing and validation. Learn More Request A Demo CODE OF PRACTICE FOR THE GOVERNANCE OF STATE BODIES CODE OF PRACTICE FOR THE GOVERNANCE OF STATE BODIES The Phinity Code of Practice solution shows how Phinity can link all risk stakeholders in the business, from “bottom-up” operational processes to “top-down” enterprise risks. Linking these two often disparate risk approaches decreases duplication and unlocks value. Learn More Request a Demo ESSENTIAL RISK MANAGEMENT ESSENTIAL RISK MANAGEMENT Phinity’s innovative Essential Risk Management solution reduces time and effort by easily structuring your risk management approach to align with your business needs. Learn More Request a Demo PHINITY AND AUTOPILOT PROCUREMENT COMPLIANCE PHINITY AND AUTOPILOT PROCUREMENT COMPLIANCE SOLUTION Phinity and Autopilot can transform your Procurement Department through innovation and automation. While our solution will bring continuous improvement and will unlock new value from your third-party relationships, Autopilot supports integration with additional solutions - such as payments, tasks, and onboarding. * IDENTIFY Before leveraging automation to mature your Procurement Compliance process, identify and collect all relevant data needed. This may include compliance standards, regulatory requirements, risk and supplier policies, third party processes and required workflows, key stakeholders from AML, privacy, compliance, information technology, finance, etc. * DIGITISE Design your register, upload available data, and embed automated onboarding processes with Phinity and Autopilot’s easy-to-use configurations. * ASSESS Use digital onboarding processes, and complete inherent risk profiling of all suppliers to calculate every supplier’s risk and workflow based on supplier type, service and risk rating. Based on responses, calculate residual risk and compliance levels, to ensure an acceptable level before onboarding. Automate workflows, follow-ups, and tracking to streamline the risk assessment process. * REPORT Track the progress of all your third parties’ compliance in real-time. Confirm compliance processes are being followed. Track each level of compliance per the supplier, calculate risk, and customise the reporting to meet your needs. * REMEDIATE Assign and track the compliance failure identification to remediation — then report on the progress of your remediation efforts. Learn More - WHY CHOOSE PHINITY - BENEFITS LOWER YOUR RISK CONSOLIDATE DATA QUICKLY AND EASILY BOOST YOUR PRODUCTIVITY TRACK EVERY STEP REDUCE LABOUR COSTS - ACCOLADES AND AWARDS - WHY TRUST PHINITY Customer Renewal Rate WINNER OF ISACA INNOVATION AWARD 60 REGULAR FEATURE UPDATES AND IMPROVEMENTS 5 STARS CAPTERRA RATING BECOME A PHINITY PARTNER Our partners are on a journey with their clients and after harnessing the power of the Phinity Integrated Risk Management platform, they are able to leap-frog their clients’ business processes into a state of maturity. We help our partners tailor the right solutions to the needs of their clients. Become a partner - HAPPY CLIENTS - TESTIMONIALS AND SUCCESS STORIES SANTAM LEVERAGES THE PHINITY TPRM SOLUTION FOR BROKER COMPLIANCE Broker compliance requires each insurer to assess all brokers through an ongoing detailed assessment process. Santam needed to calculate the compliance risks, track treatments, and provide a level of assurance to the industry body. WOOLWORTHS LEVERAGES THE PHINITY ERM SOLUTION TO CREATE EFFICIENCIES AND INCREASE THE VISIBILITY ACROSS THE BUSINESS. Woolworths leverages the Phinity ERM Solution to calculate the risk of risk items based on the impact and likelihood votes of multiple stakeholders WOOLWORTHS LEVERAGES THE PHINITY APPLICATION COMPLIANCE SOLUTION TO DETERMINE THEIR CONTROLS Woolworths leverages the Phinity Application Compliance Solution to determine the level of controls that are implemented and their effectiveness WOOLWORTHS LEVERAGES THE PHINITY TPRM SOLUTION TO ASSESS IT VENDORS Woolworth decided to implement TPRM to assess the IT vendors and identify if they have missing critical controls. GROWTHPOINT LEVERAGES THE PHINITY TPRM SOLUTION TO ASSESS IT VENDORS Driven by the CIO, Growthpoint decided to implement TPRM as a new part of the companies Risk Management Strategy. SANTAM LEVERAGES THE PHINITY TPRM SOLUTION FOR BROKER COMPLIANCE Broker compliance requires each insurer to assess all brokers through an ongoing detailed assessment process. Santam needed to calculate the compliance risks, track treatments, and provide a level of assurance to the industry body. WOOLWORTHS LEVERAGES THE PHINITY ERM SOLUTION TO CREATE EFFICIENCIES AND INCREASE THE VISIBILITY ACROSS THE BUSINESS. Woolworths leverages the Phinity ERM Solution to calculate the risk of risk items based on the impact and likelihood votes of multiple stakeholders * 1 * 2 * 3 * 4 * 5 STAY CONNECTED Sign up to be notified about our webinars, events and news. ! Subscribe Something went wrong. Please check your entries and try again. - RESOURCES - READ OUR ARTICLES THIRD PARTY RISK MANAGEMENT SILVER LINING IS INDUSTRY SELF-REGULATION In today’s business environment it’s impossible to find a company that doesn’t contract with ... Read More THIRD PARTY RISK MANAGEMENT A KEY GLOBAL PRIVACY COMPLIANCE REQUIREMENT Background to current privacy challenges Organisations that collect and process personal information are faced ... Read More ISACA MAX BLECHER INNOVATION AWARD WINNER: TRIPLICITY ISACA Max Blecher Innovation Award Winner: Triplicity Patrick Ryan won the Innovation Award at ... Read More CAN ETHICS AND ROBOTICS MIX? Risk specialist Lee Bristow breaks down a new strategy to mitigate security threats from ... Read More HOW TO TIE TOGETHER AND BOOST YOUR THIRD PARTY RISK MANAGEMENT (TPRM) PROCESSES by Patrick Ryan, Managing Director and Lee Bristow, Chief Technology Officer of Phinity Risk ... Read More AUTOMATE AND ACCELERATE INSURER COMPLIANCE WITH INTEGRATED TECHNOLOGY With Lee Bristow, Chief Technology Officer for Phinity Risk Solutions There are significant oversight ... Read More KNOW AND MANAGE YOUR APPLICATION SECURITY RISK DURING COVID-19 With Amanda Hechter and Raymond du Plessis from Mobius Consulting as well and Lee ... Read More KNOW AND MANAGE YOUR SUPPLIER SECURITY RISK DURING COVID-19 With Lee Bristow from Phinity Risk Solutions and Malcolm Parker, Senior Managing Consultant at Mobius ... Read More INTRODUCING LEE BRISTOW: CHIEF TECHNOLOGY OFFICER AT PHINITY RISK SOLUTIONS Lee Bristow comes from a computer engineering background, with several years of experience in ... Read More PHINITY RISK MANAGEMENT & MOBIUS CONSULTING ON COVID-19 The Covid-19 (Corona Virus) pandemic is highly topical at the moment and we at ... Read More THE IMPORTANCE OF CYBERSECURITY AND THIRD PARTY RISK MANAGEMENT FOR YOUR BUSINESS Ensuring that your business is not only up-to-date when it comes to its technology ... Read More THIRD PARTY RISK MANAGEMENT CONFERENCE Phinity Risk Solutions, in partnership with Mobius, will be speaking at the first Third ... Read More WHO CARES ABOUT THIRD PARTY RISK MANAGEMENT? Your board of directors, the group risk officer, and those responsible for information privacy ... Read More IS RISK OWNERSHIP ALIGNED TO THE BOARD OF DIRECTORS? Providing risk management with a dedicated home at board level allows for the clearer ... Read More APPLICATION ATTACK SURFACE When assessing application risk, many organisations focus on the obvious: the software that they ... Read More WHAT IS DEVSECOPS? What is DevSecOps? The term “DevSecOps” places information security into the original operating model ... Read More THIRD PARTY RISK MANAGEMENT SOFTWARE FOR THE FINANCIAL SECTOR Regulators the world over are now holding financial institutions responsible for the actions of ... Read More THIRD PARTY RISK MANAGEMENT SILVER LINING IS INDUSTRY SELF-REGULATION In today’s business environment it’s impossible to find a company that doesn’t contract with ... Read More THIRD PARTY RISK MANAGEMENT A KEY GLOBAL PRIVACY COMPLIANCE REQUIREMENT Background to current privacy challenges Organisations that collect and process personal information are faced ... Read More ISACA MAX BLECHER INNOVATION AWARD WINNER: TRIPLICITY ISACA Max Blecher Innovation Award Winner: Triplicity Patrick Ryan won the Innovation Award at ... Read More CAN ETHICS AND ROBOTICS MIX? Risk specialist Lee Bristow breaks down a new strategy to mitigate security threats from ... Read More HOW TO TIE TOGETHER AND BOOST YOUR THIRD PARTY RISK MANAGEMENT (TPRM) PROCESSES by Patrick Ryan, Managing Director and Lee Bristow, Chief Technology Officer of Phinity Risk ... Read More AUTOMATE AND ACCELERATE INSURER COMPLIANCE WITH INTEGRATED TECHNOLOGY With Lee Bristow, Chief Technology Officer for Phinity Risk Solutions There are significant oversight ... Read More RATE US ON CAPTERRA Rate us GET STARTED Ready to automate your peace of mind with our innovative risk management solutions? COMPANY About Us Careers SOLUTIONS Third Party Risk Management Phast-Start: Third Party Risk Management Procurement Compliance Information Security Management System Privacy Compliance Insurance Compliance Risk Response Management Vulnerability Remediation Continuous Compliance Code of Practice for the Governance of State Bodies Essential Risk Management Phinity and Autopilot Procurement Compliance CONTACT US sales@phinityrisk.com support@phinityrisk.com info@phinityrisk.com GET INVOLVED Become a partner Privacy Policy Terms of Use PAIA Manual © 2022 Phinity Risk Solutions International. All Rights Reserved. Website by Shift One The Mobius Group Cyber Security Survey X Become a Partner X Request a Demo Which Solution would you like to book a demo for? —Please choose an option—Third Party Risk Management (TPRM)Risk Response ManagementInsurance ComplianceISMS AutomationVulnerability RemediationProcurement ComplianceCode of Practice for the Governance of State BodiesPrivacy ComplianceInsurance ComplianceRisk Response ManagementVulnerability RemediationContinuous ComplianceCode of Practice for the Governance of State BodiesTPRM Phast-startEssential Risk Management X