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Fraud rarely announces itself. It hides in bank reconciliations that are approved without proper review, in routine approvals signed by managers who are stretched too thin, and in the comforting belief that "our people would never do that."
In the Philippines, extreme heat is no longer an abstract climate issue. In recent months, government agencies warned of heat index levels reaching the danger category in several areas, with values around 42°C and higher reported in parts of the country.
Internal audit is no longer limited to providing assurance on past activities. It has evolved into a trusted advisor that helps organisations navigate uncertainty and respond proactively to emerging risks.
Today, personal information is generated from almost everything we do—from the apps we use and platforms we engage with, to the transactions we make and information we share online; it fuels insights, and shapes business decisions.
Crises have a way of exposing stress points in a nation’s economic and social systems. In the Philippines, where growth is driven as much by communities and MSMEs as by large enterprises, these stress points are felt quickly and deeply.
The most enduring change often happens quietly: through what we repeatedly see, who consistently advocates, and what organisations choose to institutionalise.
In credit risk, adverse selection is usually discussed in the context of underwriting.
War in the Middle East has disrupted oil supply routes, driven crude prices past psychological thresholds, and once again exposed how vulnerable an import dependent- country can be when geopolitics intrudes into daily life.
