Bruce Branson, Associate Director of the ERM Initiative at NC State University interviews Dan Ortiz, Director of Risk Management at Genworth Mortgage Insurance about effective methods to build cross-functional risk expertise in an organization. Dan emphasizes the importance of bringing groups of risk professionals together to leverage their varied experiences and skill sets to ensure that risks are not overlooked and that opportunities are identified and acted upon. A strong tone from the top and a culture of smart risk-taking are key aspects for success. Dan also highlights the need to establish a common risk language to facilitate dialog and information sharing about key risks. Finally, Dan describes how Genworth Mortgage Insurance has implemented the three-lines of defense model to provide comfort that risks are identified and responded to in a timely manner.