Enhanced risk management needed for business travel: International SOS

International SOS, the health and security risk services company, has highlighted the need for enhanced risk management for travellers and organisations.

The organisation's data has uncovered a 59% increase in international travel and a 48.4% increase in domestic travel in October 2023 as against the beginning of the year. These findings align with a recent report from The International Air Transport Association (IATA) that charts the resurgence of global travel. 

According to IATA, global air traffic reached 97.3% of pre-COVID levels at the end of 2023. This trend is anticipated to continue into 2024 despite economic and political uncertainties in parts of the world.

Michael Rogers, Chief Security Analyst at International SOS said: “The resurgence in global travel comes at a time in which the travel security landscape is increasingly complicated by geopolitical events, natural disasters and other developments. More and more, organisations are finding comprehensive risk mitigation strategies for their mobile workforce to be of upmost importance.

“Today, more than ever, travellers need to remain informed of prevailing risks and attendant mitigation measures. Beyond geopolitical issues and natural disasters, emerging diseases, social unrest and evolving crime dynamics require that travellers practice vigilance. 

"Across a series of concurrent and overlapping crises, International SOS observed a 16% increase in the volume of security and medical alerts issued to clients throughout January to November this year compared to the same period in 2022. The considerable increase illustrates both the evolving global security environment as well as value of timely and verified information and analysis as a key resource to ensure workforce safety.”

The impact of climate change, including extreme weather events, natural disasters and environmental changes also poses an additional layer of risk to global travel. Natural disaster-related reporting accounted for 20% of International SOS’ medical and security alert volume in July and August this year. This is a 5% increase compared to the same period last year. These months fall within the peak of hurricane and tropical cyclone season.

Rogers advised: “With climate change exacerbating existing travel risks, it is important for organisations to have robust and integrated health and security travel policies that safeguard employees from potential impacts of climate change during travels. 

"Additionally, encompassing the ISO 31030 standard in organisations’ policies provides a framework to ensure preparedness for a changing travel security landscape and to be better placed to mitigate increasingly complex travel risks.”

Microsoft: Singapore Millennials impacted greatly by online risk

- Millennials and teenagers are the hardest-hit by online risks in Singapore, a new Microsoft study has revealed.

- The most common type of online risks faced by the Singapore respondents include sexual risks (68%); hoaxes, scams and frauds (61%); behavioural risks (54%); and unwanted content (45%).

- Many of those who have been a victim of online risks said that the perpetrators were people that they knew.

- In terms of their propensity to seek help, only slightly over half (55%) of Singapore teens said that they would reach out for help following an online risk encounter.

In observance of Safer Internet Day (5 February), new Microsoft research has revealed that Millennials (aged 18 to 34) and teenagers (aged 13 to 17) in Singapore were the hardest hit by online risks compared to other consumer groups. 

Source: Microsoft. Figure 1: Microsoft Digital Civility Index featuring the 22-country ranking.

According to the 2019 Microsoft Digital Civility Study, 69% of Millennials and 66% of teenagers in Singapore have encountered at least one form of online risk – including exposure to unwanted contact; hoaxes, scams and fraud; behavioural risks and sexual risks – in their lifetime, ahead of the Generation X (59%) and Baby Boomers (48%).

The study, which placed Singapore 10th out of 22 countries for the rate of exposure to online risks, also found local teenagers to be less likely to seek help compared to others. Teenagers here faced an average of 2.6 online risks in their lifetime, with teenage girls being more vulnerable, averaging three online risks compared to the 2.2 faced by teenage boys. Millennials, on the other hand, averaged 2.5 online risks, significantly higher than the Generation X and Baby Boomers, who averaged 2.1 and 1.4 online risks respectively.

Conducted with 11,000 respondents in 22 countries, including 500 Singapore adults (aged 18 to 74) and teenagers in May 2018, the Microsoft Digital Civility Study was specifically designed to uncover insights into consumers’ lifetime exposure to a wide range of online risks, to shed light on the impact of online risks to their wellbeing, while informing them about how to stay safe and secure online.

Having yielded insights that 63% of Singapore respondents have encountered at least one form of online risk in their lifetime, lower than the global average of 66%, the study placed Singapore 10th out of 22 countries for the overall rate of exposure to online risks.

Encountering offensive content and fake news stood out as top online risks in Singapore. While the overall incidence of exposure to online risks for Singaporeans was lower than the global average, the country stood out for its rate of exposure to specific types of risks. According to the study, the most common type of online risks faced by the Singapore respondents include:

Sexual risks: Receiving unwanted sexual messages or images topped the list with 68% of the local respondents saying that they have encountered this situation before, higher than the global average of 67%.

Hoaxes, scams and frauds: Encountering fake news came in second, with 61% of local respondents saying that they have encountered this situation before, higher than the global average of 57%.

Behavioural risks: Being called offensive names came in third, with 54% of local respondents saying that they were called offensive names before, higher than the global average of 51%.

Unwanted contact: Being contacted by a stranger to collect personal information came in fourth, with 45% of local respondents saying that they encountered this situation, higher than the global average of 42%.

And while 29% of the online risks encountered by Singapore respondents came from strangers, 41% of these risks came from people that the respondents knew, including online acquaintances, casual acquaintances and co-workers. Additionally, 24% of the online risks encountered by Singapore respondents came from their own family and friends.

Overall, Singapore respondents expressed lower levels of pain from the online risks encountered. Sixty-four percent of the respondents reported mild to moderate pain, with only 15% reporting severe levels of pain from their online risk encounters.

Microsoft notes that the results show that more needs to be done to help local teenagers seek help when facing online risks. According to the research,  51% of Millennials and teenagers reported moderate to severe pain following their online risk encounters. The pain experienced can include widespread emotional, psychological as well as physical pain.

The study additionally revealed that only slightly over half (55%) of the Singapore teens would reach out for help following an online risk encounter. Thirty-two percent of Singapore teenagers who have encountered such risks would ask their parents for help, lower than the global average of 42%; while 23% would ask an adult for help, lower than the global average of 28%.

“As we continue to interact with and in the digital world, we can no longer sit back and allow these online risks to have a negative impact on our lives. Each day, we are being bombarded with unsolicited online content ranging from emails sent by unknown third parties to the circulation of fake news and unwanted sexual messages. And these represent just a fraction of the common scenarios that Singaporeans face in everyday living. 

"Today on Safer Internet Day, it’s time for us to take a stand. By participating in the Microsoft Digital Civility Challenge and committing to making the four digital civility ideals a reality, we can do our part to help a build a better and safer digital environment for everyone,“ said Richard Koh, CTO, Microsoft Singapore.

On Safer Internet Day, Microsoft is encouraging all Internet users to take part in the annual Digital Civility Challenge and practise the four digital civility ideals to create a more positive online environment for everyone:

Living the golden rule: I will act with empathy, compassion and kindness in every interaction, and treat everyone I connect with online with dignity and respect.

Respecting differences: I will appreciate cultural differences and honour diverse perspectives. When I disagree, I will engage thoughtfully and avoid name-calling and personal attacks.

Pausing before replying: I will pause and think before responding to things I disagree with. I will not post or send anything that could hurt someone else, damage someone’s reputation, or threaten my safety or the safety of others.

Standing up for myself and others: I will tell someone if I feel unsafe, offer support to those who are targets of online abuse or cruelty, report activity that threatens anyone’s safety, and preserve evidence of inappropriate or unsafe behaviour.

Users can also encourage their friends and family on social media to join in the challenge with the hashtags #challenge4civility or #Im4digitalcivility.

Explore:

Find out more ways to get involved

Minimise travel risk for employees with Concur solution

Concur, an SAP company and the provider of travel, expense and invoice management solutions, has introduced the first integrated traveller risk management solution featuring a travel and expense data set. The new solution includes an option for 24x7 monitoring services to help communicate with and assist employees at any time on a company’s behalf – from pre-travel guidance to emergency safety information.

“With global uncertainties and business travel on the rise, Concur has a strong sense of responsibility for our employees and customers around the world,” said Mike Eberhard, President of Concur. “From civil unrest to natural disasters and terrorist attacks, businesses need to be sure they know where their employees are and direct them to safety as quickly as possible. Our data set extends beyond traditionally booked travel itineraries, maximising visibility and empowering businesses to take action in these situations. During recent global incidents, Concur was able to locate employees in affected areas within an hour.”

Unlike other solutions, Concur Risk Messaging can capture traveller location data via Concur Travel & Expense, Concur Mobile, Concur TripLink, TripIt from Concur, supplier e-receipts and more, providing travel managers immediate visibility into employees that may be at risk. Concur Active Monitoring, powered by HX Global, will offer 24x7 monitoring, proactive communication capabilities, and assistance.

In 2016, Concur issued more than 10 million alerts notifying business travellers of potential risks in locations they were visiting. The number of Concur users who received alerts also increased by 770%, from 151,000 users in January 2016 to 1.3 million users in December 2016.

Financial services firms increase focus on building sound risk culture

• Financial services firms increase focus on building sound risk culture
• Majority of banks are planning changes to performance management programmes
• Many are changing employee value propositions to attract a new breed of graduates and retain millennials

Mercer’s latest Global Financial Services Executive Compensation Snapshot Survey* found that most financial services companies are taking significant steps towards fostering a sound risk culture amongst their staff. Of the companies surveyed, 62% have carried out initiatives to penalise misconduct and non-compliance to a ‘great degree’; 60% can show evidence of setting the right tone at the top and 58% are communicating clear (risk) culture objectives.

“It’s encouraging to see companies engaging senior leaders to set an example when it comes to risk taking and compliance behaviours,” said Vicki Elliott, Senior Partner and Financial Services Talent Leader at Mercer. ”The best way to foster a sound risk culture and combat excessive risk taking is with strong, authentic leadership who are willing to manage consequences for good and bad behaviour.”

Mercer research showed that rewarding positive risk behavior continues to be challenging with only a few organisations having taken these steps “to a great degree” (only 11%). “Proactively rewarding positive risk behaviour can be tricky but it is likely to have a more positive impact on culture in the long term compared to punitive measures,” said Elliott.

Mercer’s survey reviewed the practices of 68 financial services companies globally – banks, insurers and other financial services companies – based in 20 countries in Europe, North America, and Asia. The report provides an update on key changes in talent management and rewards practices in financial services

Experience with bonus malus**

Over 90% of banks and 72% of insurance organisations have malus policies in place largely due to regulation which requires that all or a portion of deferred or unvested awards can be reduced or wiped out. Such policies are mostly triggered by individual misconduct (89%), individual breach in compliance (89%) and negative business performance (74%). About half of banks have applied malus for individual performance reasons. However, approximately 60% of them do not retain individuals involved in malus cases, which may call into question their overall effectiveness.

Performance management changes

“Establishing an effective employee performance management system continues to be a highly challenging task for financial services organisations,” said Dirk Vink, Principal in Mercer’s Talent business. “However when done right it can have a greater impact on behaviour and performance than just changing compensation plans. Performance management reform is a key lever to help manage toward desired culture change.”

In Mercer’s study, more than half responded that their performance management approach works well, though only a small proportion indicated that it delivers exceptional value. Mercer’s survey finds that change is on the horizon, with half of all banks planning to make changes to their performance management processes in the next 12 months, this compares to just 16% of insurers. However, 32% of insurers want to change their processes but are unsure when. Almost half of respondents indicate that their feedback process and performance management linkage to development needs work. Most banks are increasingly involving their risk management function in selecting performance measures, goal setting and performance evaluation, which is a significant development for aligning performance with sound risk-taking.

Employee value proposition beyond pay

Mercer’s report found that many financial services companies have made or are making changes to their employee value proposition (EVP) beyond pay in order to better attract and retain talent who might otherwise choose not to work for them. The most prevalent initiatives planned, or already in place, are learning and development programmes (47%) and remote working programmes (43%). Other popular changes include implementing career frameworks (37%), introducing flexible working (37%) and non-monetary recognition programmes (34%).

“Following the financial crisis, the reputation of traditional financial services firms suffered badly. Esteem turned to stigma as a new generation of graduates started rejecting a culture they viewed as aggressive and lacking in integrity,” said Mark Quinn, Partner and Head of Mercer’s UK Talent business. “Banks, in particular, who have since been struggling to attract and retain the best new talent, are realising that these so-called millennials are not just in it for the money. They look for a sense of pride and purpose in their work, as well as flexibility and career support. To attract them, companies need to develop a strong and genuine purpose-led employee value proposition.”

Source: Mercer. Steps taken towards fostering a strong risk culture.

*This edition of the survey looks at changes in annual, deferred and long-term incentives, pay mix and role-based allowances. Forty-seven percent of companies are based in Europe, 32% in North America and 21% in Asia. Fifty percent of companies are in banking, 28% in insurance and 22% in other financial sectors (asset managers, for example).

***Bonus Malus refers to the part of the deferred bonus that has not yet been paid out and can be ‘reclaimed’ because, for example, an acquisition’s due diligence is not carried out thoroughly.

Microsoft Malware Infection Index 2016 shows emerging Asia at risk from malware

The Asia Pacific heat map shows which countries are most affected by malware (darker colours), and which are least affected (lighter colours).

Microsoft has launched its Malware Infection Index 2016* (MII2016), which has found that the top three most-encountered malware are the Gamarue computer worm, and trojans Skeeyah and Peals.

Gamarue can give a hacker control of the victim's PC while trojans can steal personal information, download more malware or give hackers access to a PC. It is commonly distributed via exploit kits and social engineering - spam email for example, and has been observed to steal information from the local computer, then communicate with servers managed by attackers. According to the MII2016 Gamarue is prevalent in ASEAN and was the third-most commonly-encountered malware family worldwide in 2H15. Indonesia reported Gamarue encounter rates of over 20% in Q415, close to the global encounter rates for all threat families combined for the quarter. In Mongolia, 35 out of every 1,000 computers running the Microsoft Malicious Software Removal Tool were infected with Gamarue in 2H15.

Trojan encounters grew 57% from Q215 to Q315, particularly due to Peals and Skeeyah. Both have been observed to download and install other malware, use the victim's computer for click fraud, steal information on the PC and give access to the device to hackers. Peals in particular corrupts important system files and causes applications to malfunction.

Keshav Dhakad, Regional Director, Intellectual Property & Digital Crimes Unit, Microsoft Asia disclosed that IP addresses are now being hard-coded into malware, so that rather than hit any destination, they are more like a laser-guided missile that "will only hit a particular target until it gets through".

Further, the Index has found that four of the top five locations worldwide most at risk of infection are from the Asia Pacific region: Pakistan, Indonesia, Bangladesh, and Nepal, ranked first, second, fourth and fifth respectively in terms of the number of computers encountering malware. There is even a dedicated group of cyber criminals, dubbed PLATINUM by the Microsoft Windows Defender Advanced Threat Hunting team, which has been targeting government agencies, defense institutes, intelligence agencies and telcos in South and Southeast Asia since 2009.

The MII2016 reports that the top 20 Asia Pacific markets under malware threats are:

Pakistan
Indonesia
Bangladesh
Nepal
Vietnam
Philippines
Cambodia
India
Sri Lanka
Thailand
Malaysia
Singapore
Taiwan
Mainland China
Hong Kong
Australia/Korea
New Zealand
Japan

Each of the top five countries had close to 40% or more computers which encounter malware compared to the worldwide average of 20.8% as of Q415. This number is up from 17.6% in Q115.

Dhakad said, "The rising sophistication and targeted cyberattacks are causing devastating disruption and losses of data and information across all computer and Internet user segments. In fact it generally takes on average up to 200 days for organisations to find out that they have been victims of cyberattacks.

"We are noticing four key common IT environment issues. Firstly, the usage of IT assets which are old, unprotected or are non-genuine in nature. Secondly, unmanaged and unregulated IT assets usage, procurement and maintenance. Thirdly, poor cyberhygiene of users and negligent employee behaviour inside companies. Fourthly, the inability of the companies to timely monitor, detect and remove modern cyber threats, among others, are some of the common clauses for cybercrime risks."

Dhakad advised enterprises to:

Go for strong fundamentals - use only genuine, current and updated software.

Have a robust cyber defense ecosystem, not just free tools.

Focus on cyberhygiene so employees are aware of safer Internet practices and internal IT policies. "A lot of times cyberhygiene alone can cripple," he warned. "It is everyone's responsibility."

Assess, review and audit often, not annually. Include suppliers, vendors and customers as well.

A data culture is imperative. Everything requires different levels of protection - know what data is important, who is accessing the data. Encryption and multifactor authentication are a must.

Opt for the cloud as a next-generation cybersecurity and data protection.

Hashtags: #CyberTrustAPAC, #Trustintech

*The findings are based on data from the Microsoft Malware Protection Center (MMPC) and the Microsoft Security Intelligence Report (SIRv20).

Cybercriminals love Donnie Yen and Jackie Chan

Hong Kong actor and martial arts expert Donnie Yen has been revealed as Intel Security’s most dangerous celebrity to search for online from Singapore. For the fifth year in a row in Singapore, Intel Security researched* celebrities to reveal which of them generates the most dangerous search results. 

Cybercriminals are always looking for ways to take advantage of consumer interest around popular culture. They capitalise on this interest by enticing unsuspecting consumers to sites laden with malware, enabling them to steal passwords and personal information. For Singapore, the Intel Security Most Dangerous Celebrities study revealed that searches for certain martial art legends, established female actresses and musicians tend to expose Internet searchers to more viruses and malware.

“The pervasiveness of electronic goods and gadgets, as well as a desire for real time information, has resulted in consumers often clicking on sites that will quickly provide them with news and entertainment. Often, safety and security implications are not considered,” said David Freer, Vice President, Consumer APAC at Intel Security. “Cybercriminals leverage this need for immediacy by encouraging people to visit unsafe sites that can steal private data.”

People in Singapore looking to download free music or free movies may be especially at risk, the company notes. “Celebrity names combined with the terms ‘free MP4, ‘HD downloads,’ or ‘torrent’ are some of the most searched terms on the Web,” Freer warned. "When consumers search for music that is not made available through legitimate channels, they put both their digital lives and devices at risk.”

Kungfu heroes top the list: Yen and fellow action hero Jackie Chan claimed the top two spots in the top 10 list, a testament to the longevity of the popularity of martial arts as a form of entertainment in popular culture.

Multi-tasking entertainers generate more risk. Industry veteran Andy Lau (No. 7) is a singer-songwriter, actor, presenter, and film producer. Daniel Henney (No. 6) is a “mactor” (model and actor) while Angelababy (No. 8) is a singer, actress and model.

Female actresses in their 30s and 40s: Gong Li is at No. 5, Maggie Q at No. 9 and Jun Ji-Hyun rounding is No. 10.

Music acts are popular: Singer-songwriter Jay Chou hit No. 4 and K-pop group Girls Generation reached No. 3.

Intel Security advises users to:

Beware of clicking on third-party links. Access content directly from official websites of content providers.

Use web protection that will alert users of risky sites or links. Stick to official news sites for breaking news.

Download videos from well-known, legitimate sites. Most news clips can easily be found on official video sites and do not require any downloading.

Use caution when searching for “HD downloads.” This term is by far the highest virus-prone search term. Consumers searching for videos or files to download should be careful as not to unleash unsafe content such as malware onto their computers.

Always use password protection on mobile devices. If a phone is lost or stolen, those without passwords will yield the owner's personal information to anyone who uses the device.

Don’t 'log in' or provide other information. If you receive a message, text or email or visit a third-party website that asks for your information — including your credit card, email, home address, or Facebook login — to grant access to information, don’t do it. Such requests are a common tactic for phishing that could lead to identity theft.

Interested?

Tools such as McAfee WebAdvisor software protect users from malicious websites and browser exploits. Download a complimentary version

Hashtag: #RiskyCeleb

*The study was conducted using McAfee WebAdvisor, using SiteAdvisor site ratings to determine the number of risky sites that would be generated in search results including a celebrity name and commonly searched terms (noted below) and calculates an overall risk percentage for that celebrity. McAfee SiteAdvisor technology helps protect users from malicious websites and browser exploits. SiteAdvisor technology tests and rates nearly every Internet website it finds, and uses red, yellow and green icons to indicate the website’s risk level. Ratings are created by using patented advanced technology to conduct automated website tests and works with Internet Explorer, Chrome, Safari and Firefox.

The terms “Donnie Yen” “Donnie Yen HD downloads,” “Donnie Yen free MP4,” and “Donnie Yen torrent” were used to search for Donnie Yen, and similar terms were used for each celebrity on the list. The results indicated the percentage of risk of running into online threats — if a user clicked all the results generated by the terms. Fans clicking on sites deemed risky and downloading files including photos and videos from those sites may also be prone to downloading viruses and malware.

Moody's seminars for Q2 2015

A new crop of Moody's training seminars are now available. All courses are available in-house and customisation can be discussed. Email trainingemea@moodys.com (Middle East) or trainingasiapac@moodys.com (Asia Pacific) with enquiries.

Americas
trainingamericas@moodys.com
1.212.553.3898 

EMEA
trainingemea@moodys.com
44.207.772.1569  
Asia-Pacific
trainingasiapac@moodys.com
852.3551.3159
- See more at: http://www.moodysanalytics.com/Breakout-Info/Public-Seminars/Credit-Reasoning-and-Writing?mkt_tok=3RkMMJWWfF9wsRoivq3JcO%2FhmjTEU5z17%2BgsWK%2B2gIkz2EFye%2BLIHETpodcMT8BnMbDYDBceEJhqyQJxPr3MKtEN0dZ3RhLiAA%3D%3D#sthash.qeMQ7tjt.dpuf

Corporate Credit Rating Analysis

This intermediate level seminar provides delegates with an in-depth understanding of the rating practices employed by the Moody's Investors Service for assessing corporate credit risk – from rating methodologies and financial ratios to a rating committee simulation. 

Location     Date                    Price 

Istanbul       Jul 29-31, 2015     £2,495 

Singapore    Apr 20-22, 2015    US$3,895 

Singapore    Nov 2-4, 2015       US$3,895 

Hong Kong  Nov 16-18, 2015    US$3,895 

Dubai          May 19-21, 2015   US$3,295 

Dubai          Nov 24-26, 2015   US$3,295 

Register here.

Moody's Credit Masterclass

This is an overview seminar that brings participants through all stages of the credit process – from obligor analysis, making credit decisions, monitoring credits, and identifying and acting on the early warning signs of deteriorating credit quality, to managing problem credits and mitigating loss during debt restructurings and workouts. 

The course will draw on the insight, research, and rating methodologies of Moody's, and participants will be given practical tools which will serve as work aides when they are back in the field.

Location     Date                    Price 

Dubai          May 10-14, 2015    US$4,995

Register here.

Fundamentals of Corporate Credit 

This seminar provides participants with a foundation of skills that helps them reach sound, reliable judgments of a company's creditworthiness. Applying a structured framework, delegates will be able to identify and assess key qualitative and quantitative factors in determining credit risk. 

Location     Date                         Price  

Hong Kong   May 18-21, 2015        US$4,395 

Sydney        Aug 31-Sep 3, 2015    US$4,395 

Singapore    Dec 8-11, 2015           US$4,395 

Dubai          Jun 14-17, 2015         US$4,395

Register here.

Covenants and Documentation 

The seminar will focus on covenants and other features designed to protect investor interests and emphasise ways in which these defensive tools can be undermined by creative drafting. Moody's methodology for evaluating covenants in bond indentures will be discussed, and participants will learn how Moody's framework for assessing covenant quality can be applied to their daily work. 

Location     Date               Price  

Hong Kong   May 15, 2015   US$1,695 

Sydney        Oct 16, 2015    US$1,695 

Singapore    Nov 5, 2015      US$1,695

Register here. 

Corporate Credit & Cash Flow Analysis 

This seminar explores the importance of cash flow analysis in the credit assessment process. In addition, it reviews credit risk issues of companies with international activities and the challenges of dealing with off-balance sheet and contingent liabilities. It also introduces the concepts of corporate valuation and its usefulness for assessing company solvency.

Location      Date               Price 

Singapore    Jun 3-5, 2015  US$3,895

Register here.

Corporate Credit & Cash Flow Analysis

Hong Kong May 15, 2015  USD 1,695 Sydney  Oct 16, 2015  USD 1,695 Singapore  Nov 5, 2015  USD 1,695 - See more at: http://www.moodysanalytics.com/Breakout-Info/Public-Seminars/Covenants-and-Documentation?mkt_tok=3RkMMJWWfF9wsRoivq3JcO%2FhmjTEU5z17%2BgsWK%2B2gIkz2EFye%2BLIHETpodcMT8BnMbDYDBceEJhqyQJxPr3MKtEN0dZ3RhLiAA%3D%3D#sthash.ddSzN2rB.dpuf

Location Date Price  Hong Kong  May 18-21, 2015  USD 4,395 Sydney  Aug 31-Sep 3, 2015  USD 4,395 Singapore  Dec 8-11, 2015  USD 4,395 - See more at: http://www.moodysanalytics.com/Breakout-Info/Public-Seminars/Fundamentals-of-Corporate-Credit#sthash.dOXMvXC9.dpuf

Dubai  May 10-14, 2015  USD 4,995

Dubai  May 10-14, 2015  USD 4,995