Below are all the posts — topics as well as replies — that mention the hashtag #risk.
Mention #risk in your post to continue the discussion!
https://www.fool.com/investing/2026/11/05/why-oracle-stock-is-sinking-today/
The political squeeze resulting from flipped house and senate is the final straw. Oracle and Coreweave will be the first two dominoes to fall.
Does anyone really still believe the BS that OpenAI or Oracle is "too big to fail"? That purported government backstop vanished this week (not that it ever really existed in the first place)!
While Chevron is investing $7 billion in Venezuela to double its oil output within five years, ExxonMobil CEO Darren Woods again urged “caution” and said a lot of reforms are still required before any major entry into the country is decided.
https://fortune.com/2026/10/31/chevron-speeds-venezuela-exxon-urges-caution-little-pinch-of-salt/
You heard it here first. Remember, who is your daddy now?
Anyone hear what areas of WIM Risk were let go today?
Not my team but a peer team was just pulled into a meeting, the whole team plus their manager was laid off. About 12 people. Whole meeting only took like 10 mins.
Workers are forced to fight desperately just to get their contributions noticed. Many software companies have started firing anyone who gets a rating of 3 two years in a row. Now, this trend is creeping into the chip design industry. It is a highly risky gamble to deprioritize precision and functional correctness in hardware design, especially when a single mistake costs millions of dollars.
We were advised in risk regarding layoffs on the first week in September to expect an update due to the external company needing to review the org ; between 6-8 weeks time for risk. Has anyone heard if this is still to be expected ? Should we hear by the end of October?
There's always the chance of unforeseen obstacles, and temporary enthusiasm especially in managed care, where enthusiasm can blind investors to operational lag and policy risk.
Market reactions usually pull forward years of future expectations in a matter of days. A pull-back on Friday down to around $413 shows the initial euphoric momentum digest as the market separates long-term structural improvement from near-term execution realities.
The Three "Obstacle Zones" Humana Still Has to Navigate
--The Reality: The 2027 Star Ratings rebound (jumping to 95% of members in 4+ star plans) is a legitimate regulatory win. However, CMS quality bonus payments do not hit Humana’s P&L until 2028.
--The Risk: Humana must bridge late 2026 and all of 2027 on current baseline margins. If medical cost utilization spikes over the next 12 to 18 months, earnings could still face headwinds before the bonus money arrives.
--The Reality: Across the senior healthcare industry, outpatient surgeries, hip/knee replacements, and expensive dr-g therapies (like GLP-1s) continue to push medical claims higher.
--The Risk: A high MLR directly eats into operational earnings. Reclaiming Star status gives Humana a massive financial safety net for 2028, but it does not magically lower the cost of caring for members in 2026.
--The Reality: After pushing above $430+ (and touching $456.50), HUM’s trailing price-to-earnings (P/E) ratio expanded well beyond its 5-year historical average (~21.5x) toward ~39x.
--The Risk: When a stock trades at a premium valuation based on future earnings expectations, it leaves zero room for operational error. Any minor earnings miss or conservative guidance update in upcoming Q3/Q4 reports can trigger quick 5%–10% profit-taking pullbacks.
How to Frame the Current Setup
While the fundamental floor of the company has undoubtedly been raised (thanks to de-risking the balance sheet via BlackRock and securing future quality bonuses):
--Short-Term (Next 3–6 Months): Expect volatility and digestion. The initial pop was "temporary enthusiasm" pricing in the news. The stock will likely chop between value-support levels ($380–$400) and resistance ($435–$450) as traders weigh high valuation against near-term medical costs.
--Long-Term (2–4 Year Horizon): The core thesis is durable. The Star Ratings recovery prevents a multi-billion dollar revenue cliff in 2028, which is why institutional price targets are sitting much higher ($475 to $590+).
The news fixed the existential tail-risk, but it didn't eliminate the day-to-day work of managing healthcare costs.
Clay's quote is hilarious.
https://startupfortune.com/sps-downgrade-leaves-oracle-financing-openais-bet-years-before-it-pays-off/
H-1Bs are a vehicle to offshore projects. They train overseas teams until the whole thing gets handed off. Offshoring should only be for routine tasks, not core intelligence. especially with AI making data leakage overseas a massive risk.
Those in Risk will recall that at the start of September we were told an external firm had been brought in to assess the planned new reorg, with an initial timeline of six weeks. I heard yesterday from a well connected source that this assessment is taking longer than expected and is unlikely to be completed within the original six week window. From what I was told, the scope includes assessing regulatory impacts and related risks etc. As a result, it’s likely the new Risk reorg will be pushed to next year, both because of the delay and to avoid friction around Black Friday, Christmas, and year‑end peaks. This is based on a single source, so treat it as indicative rather than confirmed.
As Paramount Skydance Corp. and Oracle Corp. vault into the ranks of corporate America’s biggest borrowers, their links to the same man — billionaire Larry Ellison — are starting to stir angst on Wall Street.
https://www.bloomberg.com/news/articles/2026-10-03/larry-ellison-risk-exposed-by-paramount-and-oracle-debt-binges
https://www.youtube.com/watch?v=V83pAnUgXS8
LE wants out of his $300 billion AI bet. But a source told Reuters ORCL "cannot terminate the lease under any circumstances.
Three months before the OpenAI deal leaked, Oracle own annual report warned it "could be locked into multi-year commitments."
This is the full story of how the man who built the lock signed one, from $288 billion of leases, to the 413 million shares LE pledged for personal loans, to the one customer it all rests on, and the date that decides it: November 23rd.
If my backfill doesn’t get approved I am only at six — please inform me of the risk I am facing
I’m new to thia bank and trying to understand how the risk organization is structured here.
On my current project, I’m the only Product person, but I have six different risk people reaching out to me—often asking very similar questions with what seem to be overlapping responsibilities.
I’m genuinely trying to understand the rationale. If I’m the sole Product person supporting the program, why isn’t there one primary Risk lead who owns the overall program and coordinates the different risk functions?
Coming from other banking organizations, this setup feels very different. I’m curious if anyone else has experienced this or can explain why banks structure Risk this way. Is there a specific regulatory or organizational reason for having so many separate Risk contacts?
And honestly, from the outside, it can feel like a pretty cushy setup when one Product person is coordinating with six different Risk people.
Risk is filled with excessive layers of management and bureaucracy that prevents anything from being accomplished. Everyone appears to be a director and highly compensated to keep the up facade.
I keep hearing from many people that our executives plan to keep cutting until disaster strikes. Is this really the strategy? Another Valdez or Macondo is what it will take to convince executives they have gone too far?
Attempting to claim Force Majeure on it's data center commitments. There is only one problem, "Force Majeure" doesn't apply to stupid deals a company cant afford. It usually only applies in the case of acts of Nature like Earthquakes, floods, hurricanes, and severe storms, for human actions like wars, riots, strikes, and acts of terrorism, or government actions like unexpected laws, embargoes, or shutdowns.
Oracle looks VERY weak, and VERY broke if they are trying this stunt.
https://finance.yahoo.com/markets/stocks/article/why-oracles-force-majeure-notice-is-freaking-out-ai-bulls-170304487.html
The current response quality coming from TPO is deeply concerning. The level of inaccuracies and inadequate handling of queries by Pune from global regions is not acceptable for an organization operating at our scale.This is not just a matter of operational inefficiency. it exposes the company to real legal and financial risks, especially in Europe, where labor law is strict, employee rights are strongly protected and violations can lead to significant penalties.Is the company fully aware of the potential consequences of maintaining such low-quality support in areas directly connected to compliance, employee rights? Why regional TPOs are not responding properly!
I missed last month's required in office days by one. I can still go in and book a day off if I need to make myself compliant. Do I need to do that though or will I get a free warning/one free strike? Or is it too risky? I was only off by a day and Ive met or exceeded the days for the last few years.
Imagine the mess coming.
IT&V is going to take much of Audit’s work. IT&V hired a large group of Big 4 leaders that do not know internal audit, do not know how to identify an issue, or how to navigate the bank. They effectively QA control documentation pretending to evaluate the control enviornment. IT&V is not built to find issues and is not finding issues. Risk is a bigger mess than it was 5 years ago with over reliance on RCSA.
We will back in a huge mess in less than 3 years. In the meantime, we shrink. We make questionable decisions.
These things take time. Grab the popcorn.
Has anybody done it? Are there any risks to approaching my boss about it?
The news is ripe with stories of attacks on GCC Facilities and Refineries in the region. The KSA is being affected. The KSA will persevere through these tough times and will probably be stronger when the conflict ends.
Pratt subdivision. Lots a safety problems there needs fixed. Wires layed on ground. Backside washed away , no way to stand there with door open , very risky, dont wanna fall down the hill and bust your butt. Wish they bring in big load of rock/dirt to fill it all safe.
He does not have much experiece in risk. Used to be an operations/procurement/delivery guy... Not sure how he got in.
First of speciality market cuts in risk today, huge numbers of people in Concord and San Francisco gone. No warning or notice or hint.
Who said specialty markets can’t grow but stay??
Anyone in GFCCP/GI/Compliance affected? It seems a few in Risk and that was all? Seems a little worrisome and hence supports the rumors that there are additional layoffs to waterfall this week. Anyone have news from these departments?
Anyone else fed up with the false metrics leadership is using to measure success in the risk and control space. Its ironic that the department that was built up because of the sales metic that was an illusion of added profits is now deploying the same metic illusions of reduced costs.
Does anyone know which departments or systems have been impacted? Concerned about our information getting out.
https://cyberinsider.com/mckesson-data-breach-exposing-284-million-patients/
I know AI is all the rage, but when I see we're looking for more than $60 billion in debt financing, I can't help but wonder how much risk is piling up. That's a huge amount of money, and if the AI bo-m slows down, I don't want the employees paying for it through more cost-cutting or pressure to hit impossible targets.
Can someone explain what the difference is? For example Central Supervision, Specials Surveillance , Compliance people in the Markets, Finet branch supervisors, internal branch exams etc. Who is who?
Whole teams in Risk and Compliance are gone.
I’ve been following the news and doing some financial planning. I’ve been thinking from a net worth perspective instead of just cash flow.
I get that if you’re already a multi-millionaire, instability from a potential layoff doesn’t keep you up at night. I’m curious though, at what net worth did you personally stop fretting much about this kind of risk?
The usual advice is to save up 6 months of expenses in cash, but I’m curious from the asset side.
Is this an OK question to ask here? Just trying to do some planning when the rumors are floating around.
Use AI and manage AI from inside the US. Outsourcing to 3rd world countries poses security risks.
Why would anyone take this. Here’s a few things I’ve thought about:
The whole structure comes down to whether you trust the current management or not.
What am I missing?
"So began the gradual rollback of ... “tokenmaxxing,” the misguided — and ultimately short-lived — trend based on the idea that the solution to every problem is more AI. That view is falling out of favor, both because employers are reckoning with AI’s runaway costs and because workers are realizing that it’s not always the best way to get things done."
bwahahahaha. Someone tell Derek Flowers. Risk is so fu---d. AI is not the solution, but now the workplace is so toxic and the technology is to clunky no one wants to work in Risk.
https://www.bloomberg.com/news/articles/2026-07-31/corporate-america-cracks-down-on-ai-spending-after-rushing-to-powerful-tools
What will happen to the contract in OK? This seems like a contract violation if key roles are leaving due to the VSP.
Ford issues multiple SUV recalls over fire, rollaway and seat risks
Fire hazard warning: Over 565,000 Broncos and Bronco Raptors are recalled for wiring harness damage that can spark engine fires, with owners told not to drive or park indoors.
Rollaway risk: More than 741,000 Expeditions and Navigators face a park system defect that can let vehicles move in 'Park,' prompting a software fix and urgent parking precautions.
Seat safety flaw: Nearly 400,000 Explorers and Aviators have rear seats that may not lock, risking passenger injury; dealers will inspect and repair at no cost.
Ford truck and car transmission troubles
Widespread complaints: Ford’s 10R80, DPS6, and hybrid truck transmissions have generated thousands of owner reports of hard shifts, hesitation, and loss of power.
Manufacturer action: Ford issued multiple Technical Service Bulletins, recalls, and design updates, but not all owners feel the fixes fully resolved the issues.
Ongoing impact: Litigation, warranty costs, and damaged consumer trust continue to affect Ford’s balance sheet and reputation.
It's not exactly a startup since it's been around for a while, but I'm still a bit uncertain about its future. Would you take the risk?
AT&T and TMO are also up. Look at the history of these telecom stocks. They go up when the other equities go down due to market risks increasing (wars, rising oil, etc.). Grandma clutches her pearls tighter and moves her money to utilities. She'll move it out of telecom when she thinks the risk is less, and VZ will then continue it's slide.