{"id":11218,"date":"2025-11-04T08:39:14","date_gmt":"2025-11-04T07:39:14","guid":{"rendered":"https:\/\/hub.hslu.ch\/financialmanagement\/?p=11218"},"modified":"2026-02-11T14:53:52","modified_gmt":"2026-02-11T13:53:52","slug":"perfectly-compliant-hardly-relevant-the-limits-of-regulated-risk-management","status":"publish","type":"post","link":"https:\/\/hub.hslu.ch\/financialmanagement\/2025\/11\/04\/perfectly-compliant-hardly-relevant-the-limits-of-regulated-risk-management\/","title":{"rendered":"Perfectly Compliant, Hardly Relevant: The Limits of Regulated Risk Management"},"content":{"rendered":"\n<p>Von <a href=\"https:\/\/www.hslu.ch\/de-ch\/hochschule-luzern\/ueber-uns\/personensuche\/profile\/?pid=224\" target=\"_blank\" rel=\"noreferrer noopener\">Prof. Dr. habil. Stefan Hunziker<\/a><\/p>\n\n\n\n\n\n<p>Many organisations are beginning to question whether today\u2019s assurance-oriented risk management truly delivers business value. It marks the start of a more profound reflection, from compliance fulfillment toward decision relevance.<\/p>\n\n\n\n<p>Indeed, most frameworks and regulatory requirements are closely linked to operational and compliance decisions, but rarely support strategic decisions. This gap becomes particularly visible in the ORSA process. Risks assessed for regulatory purposes, such as capital adequacy or solvency metrics, rarely translate into business-relevant ERM risks that inform planning, pricing, or strategic resource allocation.<\/p>\n\n\n\n<p>Practitioners often point to recurring symptoms, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The dominance of heat maps (yes, they\u2019re still everywhere): colourful dashboards of \u201chigh\u2013medium\u2013low\u201d ratings that look sophisticated but never support management decisions.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The distinction between \u201cinherent\u201d and \u201cresidual\u201d risk, a theoretical world that doesn\u2019t exist. A discussion that doesn\u2019t help to manage current uncertainty.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The \u201coverall risk assessment\u201d highlights hundreds of operational and compliance risks, but omits strategic or opportunity-related risks and has no impact on the business.<\/li>\n<\/ul>\n\n\n\n<p>The problem is a systemic design issue. When risk management is built primarily to provide assurance, it inevitably crowds out judgment, dialogue, and learning under uncertainty, the very qualities that matter for better decision-making.<\/p>\n\n\n\n<p>In highly regulated industries, that means mastering a double role: one hat focused on assurance and regulatory confidence (the license to operate), the other on advisory and decision relevance (offering value to the business).<\/p>\n\n\n\n<p>Only when both logics coexist and align with strategic judgment will risk management reclaim its purpose, not just to protect value, but to create it.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.linkedin.com\/posts\/profdrstefanhunziker_perfectly-compliant-hardly-relevant-the-activity-7389237249856450560-Cot6?utm_source=share&amp;utm_medium=member_desktop&amp;rcm=ACoAACvxa4YBJHa-FW3ULvKU_7Imh_QeXyVp6WQ\">What do you think about it?<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Many professionals in Swiss banks and insurance companies have recently voiced a similar concern that they \u201cdo everything the regulator expects,\u201d yet risk management seems to add little value to the business. That frustration might actually be a positive sign.<\/p>\n","protected":false},"author":236,"featured_media":11219,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"7898,9500,885,2516,2080,2643","_relevanssi_noindex_reason":"","ngg_post_thumbnail":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[588187,10225],"tags":[588184,67442,3648,588183,588185,588186],"class_list":["post-11218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-enterprise-risk-management","category-risikomanagement","tag-compliance-vs-strategy","tag-enterprise-risk-management","tag-ifz","tag-risk-based-decision-making","tag-swiss-banking","tag-value-creation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Perfectly Compliant, Hardly Relevant: The Limits of Regulated Risk Management - Financial Management Blog<\/title>\n<meta name=\"description\" content=\"Many professionals in Swiss banks and insurance companies have recently voiced a similar concern that they \u201cdo everything the regulator expects,\u201d yet risk management seems to add little value to the business. 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