What lessons have insurers learned from the financial crisis? What are the essential ingredients of a successful Enterprise Risk Management (ERM) program? Following the worst financial meltdown since the Great Depression, where does the practice of ERM go from here? The panelists will share their perspectives on ERM, including lessons learned about governance, risk appetite and capital management. Panelists will also explore the role of ERM within a dynamic insurance company and impact of ERM from leading rating agency's perspective.