There can no longer be any business which is blase about its attitude to risk. From terrorism to natural disasters, from a debilitating global financial crisis to geo-political turmoil, risk continues as a fact of human life.

And at a "micro" level, modern organisations deal constantly with a minefield of risks, ranging from "digital disruption" to mismanagement of their own forecasting and cash flow decision-making, to compliance breaches and fraud, product performance, customer and client consolidation, credit defaults, regulatory, tax and market changes, human resources risk, product risk and ethical risk, including that potentially coming from well up the supply chain.