You are the Chief Risk Officer (CRO) for a small community bank located in a town of about 100,000 people. The institution has one building, which is the bank itself. The bank has a two-lane drive-thru, as well as a walk-up automated teller machine. There are 18 full-time employees and 12 part-time employees. Your job as the CRO is to design a complete risk management program, covering both perspectives of traditional risk management and financial Enterprise Risk Management. Identify and address at minimum ten risks, with at least three each from traditional risk and ERM. You are expected to provide clarity and thoroughness in your explanations, and focus on risks that a business owner/bank manager would need to be legitimately concerned with. Please do not choose trivial examples.