In this episode of Masters of Risk, host Stewart Webster sits down with Chrystina Howard, ERM leader for the Complex Risk Practice at HUB International, to explore how enterprise risk management is transforming in an era defined by volatility, interdependence, and systemic shocks. Chrystina brings decades of experience at the intersection of insurance, strategy, and complex risk, helping organizations navigate everything from geopolitical tensions and climate extremes to cyber escalation and workforce instability.

Together, Stewart and Chrystina examine why ERM can no longer be treated as a compliance exercise and how leading organizations are using it as a strategic capability, one that unifies risk awareness, drives resilience, and strengthens competitive advantage. Their conversation spans the full risk horizon: alternative risk financing, the resurgence of parametric insurance, global regulatory pressures, the fragility of traditional insurance markets, and the critical role of culture in building risk‑mature organizations.

Chrystina also shares a candid look at the risks keeping leaders up at night, from escalating cyber threats to declining employee wellness, and explains why the organizations positioned to thrive aren't the ones predicting every disruption, but the ones preparing to adapt to any disruption.

A must-listen for executives seeking to modernize their approach to risk and unlock the full potential of ERM in a world where crises rarely occur alone.

Credits:

• Host: Stewart Webster
• Guest: Chrystina Howard
• Editor: Feranmi Adeoshun
• Producer: Caitlin Bray
• Published With Assistance From: Sophie Carr