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The chief risk officer (CRO), chief risk management officer (CRMO), or chief risk and compliance officer [1] (CRCO) of a firm or corporation is the executive accountable for enabling the efficient and effective governance of significant risks, and related opportunities, to a business and its various segments. [2]
Implementing a risk-ranking methodology to prioritize risks within and across functions. Establishing a risk committee and/or chief risk officer (CRO) to coordinate certain activities of the risk functions. Establishing ownership for particular risks and responses. Demonstrating the cost-benefit of the risk management effort.
Until the 1960s, the bulk of its business was conducted via mail. In the late 1960s, USAA began a transition from mail to phone-based sales and service. It launched a toll-free number in 1978, and Internet sales and service in June 1999 via its website. [14] USAA offered restricted membership to civilians between September 2009 and August 2013.
The firm is also led by Chad Sweet; he served as the Chief of Staff of Homeland Security while Chertoff was Secretary and also had a two-year stint at the Directorate of Operations for the CIA. The firm also employs Charles E. Allen , Larry Castro, Jay M. Cohen , General Michael V. Hayden and other former high-ranking government employees and ...
A reciprocal inter-insurance exchange or simply a reciprocal in the United States is an unincorporated association in which subscribers exchange insurance policies to pool and spread risk. For consumers, reciprocal exchanges often offer similar policies to those offered by a stock company or a mutual insurance company.
On January 22, 2013, General Lyles was named chairman of the board of directors for USAA having been a USAA member since 1968 and a member of the board of directors since 2004. [7] General Lyles completed his final term as chairman in August 2019 after nearly seven years in the role and left USAA's board of directors after 15 years of dedicated ...