Who is in charge of managing risk in your organization? Or perhaps we should ask who's responsible... who's going to get the blame if things go wrong? The best approach to risk management is to develop an integrated program to which all parts of the organization – not just the C-suite, not only the risk management committee – contribute. The best results occur when everyone, from the Board of Directors on down, steps up and helps ensure that nothing falls through the cracks. Perhaps this issues can help you begin to put such a process in place.