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.

In your paper, go through the step-by-step risk management processes that were presented in the course (see Module 4 in particular). Identify and address at minimumten risks, with at leastthree eachfrom 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.

In your paper, address how the Risk Management Goals presented in Module 1 of the course will be attained. They are:

• Tolerable Uncertainty
• Legal and Regulatory Compliance
• Survival
• Business Continuity
• Earnings Stability
• Profitability and Growth
• Social Responsibility
• Economy of Risk Management Operations.

Your Portfolio Project must be completed in a Word document of 8-10 pages,notincluding the title and reference pages. Cite and integrate at minimumsix supportive sources, one of which may be the course textbook.