Write responses to the following:

• What is enterprise risk management (ERM)?
• What value can be provided by an ERM program?
• What are the hallmarks of an effective ERM?
• Include your own experience as well as two citations that align with or contradict your comments as sourced from peer-reviewed academic journals, industry publications, books, and/or other sources. If you found contradicting information to what your experience tells you, explain why you agree or disagree with the research.