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Blending Business advises on financial and operational risk issues.

Services are highly specialized - design of credit policies for banks and other lending institutions, design of lending programmes to SMEs - and advisory services in relation to Basel II compliance. Also Sarbanes-Oxley using COSO templates and standards.

For a corporation, Blending Business can conduct reviews of the overall risk profile of the company, defining those areas where the company has its highest exposure to external events - excluding the unpredictable. Strategies and action plans to reduce definable risks are then tracked together with the management.

Risks include
  • Currency risk
  • Interest rate risk - loan rates and investment returns
  • Liquidity risk - and tenor profiles on repayment of debt
  • Legal system risk
  • Compliance and regulatory risks
  • Corporate governance risks
  • Operational risk
  • Product Liability
  • Human resources - incl. availability of required labour
  • Fraud and anti-money laundering
  • Insurance risk
  • Contingency planning risk - continuation of operations
  • Maintenance of communications
  • Data integrity risk
  • Event Risk
  • Ethical and appropriateness risks

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