Friday, February 20, 2015

Warning Pollution

Almost everyone has heard the story of the boy who cried wolf.  The Sheppard boy repeatedly cries “wolf” and each time the townsfolk come running to save the herd from the wolf – but each time it is a false alarm and there is no wolf.  Finally a wolf does attack the sheep herd, but no one comes when the boy cries “wolf”.  The townsfolk are tired of the false warnings and thus do not take the “wolf” signal seriously.
I believe a similar thing may be happening with risk warnings.  For both legal and regulatory reasons there are so many risk warnings in our daily lives that we simply ignore all of the warnings just as the townsfolk started to ignore the cries of “wolf” from the Sheppard boy.  Warning pollution is real, and like all forms of pollution it is not good.

Wednesday, February 18, 2015

Connecting the Dots

Steve Jobs once famously said that “you cannot connect the dots going forward”.  Every risk manager at some level understands this.  The fact that the future unfolds in an unpredictable manner is in some way the reason that the discipline of risk management exists.  It is however a lot easier to connect the dots going backwards – but this exercise has some hidden traps.
Connecting the dots on what happened is a way to deconstruct a risk event and learn from it.  This (to coin a phrase from the ‘90s Martha Stewart) is a “good thing”.  However it often becomes a bad thing for several reasons.
Firstly, we are often shallow in connecting the dots going backwards.  We find a few major correlations, and we assume these correlations are the cause.  In reality it is often the much more subtle and more hidden catalysts that are the loosely connected dots that as risk managers (and regulators) we need to be looking for and learning from.  The reality is that we often superficially take the first few major dot connections as our answers.  Risk is much more nuanced than that.  (I will leave the obvious issue of correlation not necessarily being causation out of the discussion for now.)
Secondly we assume that the same dots will exist going forward.  This is frequently incorrect.  The dots, and their connections going forward are usually not the same.  Risks and how they arise evolve, adapt and change.  The same dots will not necessarily produce the same connections and in turn produce the same results.  The effect is compounded when we include the fact that we likely did too superficial of a job analyzing the dot connections from the previous risk event – as discussed in the previous paragraph.
Risk management is not an “if-then” management exercise.  Fortunately, or unfortunately (depending on your point of view), risk management is not a connect-the-dots coloring book.  (I really enjoyed connect-the-dot coloring books as a kid.)

Monday, February 16, 2015

Garage Door

I am hopeless as a handyman.  I know how to start the snowblower and the lawnmower and that is about it.  Someone once showed me which end of a hammer to hold, but I have long since forgotten.  If something - God forbid - ever happens to my wife, I won't even know how to turn the heat up or down in the house (I actually have no clue where the thermostat is in the house - and that is not an exaggeration!)
So needless to say, when the garage door broke this week my wife called a repairman to fix it.  Asking me to try to fix it would have been a useless step in the process.  Anyhow the repairman came this morning.  He came at the appointed time, looked at the door knowingly, tried to explain to me what was wrong (he was a Newfoundlander, so even if I did know handyman terms, I still would have only understood every third word at best), and said he would get it fixed.  I nodded at appropriate intervals in agreement - as if I understood what the issues were.  Thirty minutes later the garage door was fixed and working like new with, in addition, a lot of new replacement parts in preventive maintenance.
As soon as the repairman started talking I had a strong sense that he was going to get the job done and get it done right.  He had an air of competence that I completely trusted.  I had no doubt in my mind that my garage door was going to work fine for the next five years at least.
Given that situation, it got me to wondering - what are the characteristics that would give us the same level of confidence in the competence of a risk manager?  How can we know just by the language and the stance of a risk manager that they will get the right job done right?  Is it more important to have confidence in the competence of my garage door repairman or my risk manager? 
Meanwhile I am a happy camper as I no longer will have to run out and manually open and close the garage door for my wife.  Life is good with competence.