Has any of your ERM program has been written down? Or is it at risk of being lost when a key player leaves the insurer?  The Risk Management Framework document provides the RiskMaster Cheat Codes for understanding the overall ERM system and for specific topics like stress testing and risk reporting to allow a new risk team to start from a solid base should that be needed. It also can act as a cheat sheet for the Board to be able to participate in ERM discussions even though they do not live in the system. By Dave Ingram.