Copyright 2016 Smithers Quality Assessments Copyright 2016 Smithers Quality Assessments
Presented by: John R. Sedlak, Sedlak Consulting - Owner July 14, 2016
ISO 9001:2015
Smithers Quality Assessments
1 Copyright 2016 Smithers Quality Assessments
This will be a “Fast & Furious” overview of what we consider to be some of the most important changes in the standard.
What changed? Short answer – quite a bit! But, don’t “sweat it.” Many of the “changes” are
simple re-wordings or re-positionings of what is in ISO 9001:2008
Introduction
Smithers Quality Assessments
2 Copyright 2016 Smithers Quality Assessments
Documented procedures are no longer required. The position “Management Representative” is gone. A separate clause for preventive action no longer
exists. Replaced by “Risk-based thinking.”
Increased responsibility for top management. Number of times ‘planned changes’ appears
Significant Changes
Smithers Quality Assessments
3 Copyright 2016 Smithers Quality Assessments
Several changes in terminology, e.g., suppliers are now called external providers.
Number of auditable clauses: ISO 9000:2008 = 5 ISO 9001:2015 = 7
No requirement to re-number your documents, but…….?????
Significant Changes
Smithers Quality Assessments
4 Copyright 2016 Smithers Quality Assessments
“Products” is now “Products and Services.” “Exclusion” is now “Application.” “Policy Manual; Procedures; Work Instructions; Records” All now termed “Documented Information.”
“Suppliers” is now included in the grouping called “Externally provided processes, products and services”
“Interested parties” are those that provide significant risk to organizational sustainability if their needs and expectations are not met.
Significant Changes
Smithers Quality Assessments
5 Copyright 2016 Smithers Quality Assessments
Time-line for transitioning: ISO 9001:2008 remains in effect until 9/15/2018 Certification bodies are being requested to have
clients already certified to ISO 9001:2008 make the transition to ISO 9001:2015 by the end of 2017.
New certifications to ISO 9001:2008 will most likely cease at the end of 2017
Significant Changes
Smithers Quality Assessments
6 Copyright 2016 Smithers Quality Assessments
Risk: The effect of uncertainty
May be positive or negative.
Risk-based thinking: Giving consideration to both positive and negative
issues or conditions. Consider what was previously referred to as
"Preventive Action.”
Key definitions
Smithers Quality Assessments
7 Copyright 2016 Smithers Quality Assessments
Risks – addressing them: Avoiding risk; Taking risk in order to pursue an opportunity; Eliminating the risk source; Changing the likelihood or consequences of the risk; Sharing the risk; Retaining risk by informed decision.
Key definitions
Smithers Quality Assessments
8 Copyright 2016 Smithers Quality Assessments
Top management: The one person, on-site, that holds the highest
ranking position - may be owner, president, vice president, general manager, or plant or office manager depending upon the organizational structure. NOTE: Responsibilities and authorities can be
delegated, but ultimate ownership belongs to the one, top person.
Key definitions
Smithers Quality Assessments
9 Copyright 2016 Smithers Quality Assessments
Highlighted Clauses of ISO 9001:2015
Limited to New & Significant Changes
Smithers Quality Assessments
10 Copyright 2016 Smithers Quality Assessments
4.1 Understanding the organization and its context Organization SHALL determine… …external and internal issues that are relevant
to its…. purpose and strategic direction and that affect
its …ability to achieve the intended results of its
QMS. Lets further explore each of these.
Highlighted Clauses:
Smithers Quality Assessments
11 Copyright 2016 Smithers Quality Assessments
4.1 Understanding the organization and its context External issues: primarily customers, suppliers (now
known as: Externally provided processes, products and services) and regulatory agencies. Considerations: legal, technological, competitive,
market, cultural, social and economic environments, whether international, national, regional or local.
Highlighted Clauses:
Smithers Quality Assessments
12 Copyright 2016 Smithers Quality Assessments
4.1 Understanding the organization and its context Internal issues: the collection of activities from all
internal processes that make up the QMS. Sources and considerations: values, culture,
knowledge, processes, materials, employees (temporary and permanent), methods, management, tooling & equipment, measurement, etc.
Highlighted Clauses:
Smithers Quality Assessments
13 Copyright 2016 Smithers Quality Assessments
4.1 Understanding the organization and its context Purpose and strategic direction: What is it we do
and what are our plans for the future? Is there an annual planning process in place? If
so, this is the key source of information. If not, you are probably just drifting along on
the inertia created by past events. Ability to achieve intended results of its QMS: Can
we meet all applicable requirements?
Highlighted Clauses:
Smithers Quality Assessments
14 Copyright 2016 Smithers Quality Assessments
4.2 Understanding the needs and expectations of interested parties Determine…. …interested parties that are relevant to the QMS …the requirements of these interested parties
Monitor and review… … information about these interested parties
Highlighted Clauses:
Smithers Quality Assessments
15 Copyright 2016 Smithers Quality Assessments
4.2 Understanding the needs and expectations of interested parties Interested party: any entity that has, or can have, an
influence on the inputs or outputs of the organization. Examples include: customers, regulatory
agencies, suppliers. Could also include bankers, boards, unions, neighbors, certification bodies, just to name a few.
Monitor: Listen, pay attention, planned/periodic review of web sites, etc. There is no excuse for not knowing.
Highlighted Clauses:
Smithers Quality Assessments
16 Copyright 2016 Smithers Quality Assessments
4.4 Quality management system and its processes 4.4.1 ….. The organization SHALL determine the
processes needed for the quality management system and their application throughout the organization, and SHALL: These processes need to match the SQA-78
CRW and need to have ‘criteria’ established (objectives/metrics). More in clause 8.1.
Highlighted Clauses:
Smithers Quality Assessments
17 Copyright 2016 Smithers Quality Assessments
Basic Process Model
Men (people) Materials
Methods
Inputs (in RED)
Process (activities)
Outputs (ultimately, customer satisfaction)
Machines Management
Measurements
Defined Criteria
Smithers Quality Assessments
18 Copyright 2016 Smithers Quality Assessments
4.4 Quality management system and its processes 4.4.1f) address the risks and opportunities as
determined in accordance with the requirements of 6.1: Risks: the effect of uncertainty; can have positive
or negative effects. Opportunities: a set of circumstances that make
it possible to do something.
More in Clauses 5 & 6
Highlighted Clauses
Smithers Quality Assessments
19 Copyright 2016 Smithers Quality Assessments
5.1 Leadership and commitment: Top management SHALL demonstrate leadership
and commitment with respect to the QMS by: a) taking accountability for the effectiveness
of the quality management system…
New. It puts more responsibility on top management to "own" the QMS.
Leaders establish unity of purpose and direction!
Highlighted Clauses:
Smithers Quality Assessments
20 Copyright 2016 Smithers Quality Assessments
5.1 Leadership and commitment Top management SHALL demonstrate leadership by: b) ensuring that the quality policy and quality
objectives are established ….and are compatible with the context and strategic direction of the organization…
Partly new: Requires tying the policy and objectives to the strategic direction of the organization. Where do we intend to go and how does the QMS
fit into this?
Highlighted Clauses:
Smithers Quality Assessments
21 Copyright 2016 Smithers Quality Assessments
5.1 Leadership and commitment Top management SHALL demonstrate leadership
and commitment with respect to the QMS by: c) ensuring the integration of the quality
management system requirements into the organization's business processes…
The QMS is not a "stand-alone" entity. It must be an integral part of all business processes.
Let’s look at a few examples
Highlighted Clauses:
Smithers Quality Assessments
22 Copyright 2016 Smithers Quality Assessments
5.1 Leadership and commitment Some examples of how this can be done. Flowing down the objectives to applicable
functions (processes) and levels (involved workers). Include milestones, etc.
Holding process owners accountable for these objectives.
Periodic meetings with all employees – led by top management
Highlighted Clauses
Smithers Quality Assessments
23 Copyright 2016 Smithers Quality Assessments
5.1 Leadership and commitment Top management SHALL demonstrate leadership
and commitment with respect to the QMS by: d) promoting the use of the process
approach and risk-based thinking…
New - in that management must now emphasize the process approach and risk based thinking.
Highlighted Clauses
Smithers Quality Assessments
24 Copyright 2016 Smithers Quality Assessments
5.1 Leadership and commitment Top management SHALL demonstrate leadership and
commitment with respect to the QMS by : h) engaging, directing and supporting persons to
contribute to the effectiveness of the quality management system…
Partly new: Emphasizes the need for top management to be proactive regarding employees and the QMS
Highlighted Clauses
Smithers Quality Assessments
25 Copyright 2016 Smithers Quality Assessments
5.1 Leadership and commitment Top management SHALL demonstrate leadership and
commitment with respect to the QMS by: j) supporting other relevant management roles to
demonstrate their leadership as it applies to their areas of responsibility…
New: Emphasizes that responsibility for the QMS in shared by all management. It is not the sole responsibility of the "quality manager.“
Highlighted Clauses
Smithers Quality Assessments
26 Copyright 2016 Smithers Quality Assessments
5.1.2 Customer focus Top management SHALL demonstrate leadership
and commitment with respect to customer focus by ensuring that: b) the risks and opportunities that can affect
conformity of products and services and the ability to enhance customer satisfaction are determined and addressed…
Tools for addressing risks and opportunities will be presented in later slides.
Highlighted Clauses
Smithers Quality Assessments
27 Copyright 2016 Smithers Quality Assessments
5.2.1 Establishing the quality policy Top management SHALL establish, implement
and maintain a quality policy that: c) be available to relevant interested parties,
as appropriate…
New requirement - to make the organization's quality policy available to interested parties This does not mean wholesale publication.
Highlighted Clauses
Smithers Quality Assessments
28 Copyright 2016 Smithers Quality Assessments
5.3 Organizational roles, responsibilities and authorities d) ensuring the promotion of customer focus throughout
the organization; e) ensuring that the integrity of the quality management
system is maintained when changes to the quality management system are planned and implemented.
Not new, but customer focus and dealing with changes is much more emphasized in ISO 9001:2015 than in previous versions.
Highlighted Clauses:
Smithers Quality Assessments
29 Copyright 2016 Smithers Quality Assessments
6.1 Actions to address risks and opportunities 6.1.1 When planning for the quality management
system, the organization SHALL consider the issues referred to in 4.1and the requirements referred to in 4.2 and determine the risks and opportunities that need to be addressed to:…
Risk: The effect of uncertainty: May be positive or negative. Opportunity: A set of circumstances that make it possible to
do something.
Highlighted Clauses:
Smithers Quality Assessments
30 Copyright 2016 Smithers Quality Assessments
6.1.2 The organization SHALL plan
a) actions to address these risks and opportunities.
Tools for addressing Risk: S.W.O.T. analysis Preventive Actions Process or Design analysis via FMEA (Failure Mode
Effects Analysis) Monitoring & Measurement of Processes RACI analysis
Highlighted Clauses:
Smithers Quality Assessments
31 Copyright 2016 Smithers Quality Assessments
Risk Analysis Considerations: It is suggested that your organization develop criteria for
when to document risk analysis decisions. Examples: New customers New processes New suppliers Capacity constraints Safety consideration Regulatory changes
Smithers Quality Assessments
32 Copyright 2016 Smithers Quality Assessments
Risk Analysis Considerations If possible, incorporate the record of the decision to undertake risk analysis on various forms. (Let the form drive the process; don’t rely on memory.)
Examples: Contract review forms Design review forms Management review records
If you do this, consider adding a section to describe which risk analysis actions are planned, etc.
Smithers Quality Assessments
33 Copyright 2016 Smithers Quality Assessments
Some additional ways to mitigate risk: Product Control Plans Use of cross functional teams Change Control Process Succession planning Cross-training Preventive maintenance Effective internal audits and management reviews
Smithers Quality Assessments
34 Copyright 2016 Smithers Quality Assessments
6 Planning 6.1.2 (last para.) Actions taken to address risks
and opportunities SHALL be proportionate to the potential impact on the conformity of products and services. You get to decide what actions to take and how
many resources to expend. The emphasis needs to be on decisions
affecting product or service delivery.
Highlighted Clauses
Smithers Quality Assessments
35 Copyright 2016 Smithers Quality Assessments
Final thoughts on Risk Management: There is no requirement for formal methods of risk management nor a documented procedure. Your organization determines what level of a risk management process is appropriate. Please remember that not all processes pose the same risk to your organization. You must apply risk based thinking and take actions to address risk. You determine what level of documentation is necessary, if any. Risk management should ADD VALUE!
Smithers Quality Assessments
36 Copyright 2016 Smithers Quality Assessments
6.2.1 Quality Objectives (c thru g) …shall…. c) take into account applicable requirements; d) be relevant to conformity of products and services and to
enhancement of customer satisfaction; e) be monitored; f) be communicated; g) be updated as appropriate. The organization SHALL
maintain documented information on the quality objectives. These requirements had been implied, now they are
made specific.
Highlighted Clauses:
Smithers Quality Assessments
37 Copyright 2016 Smithers Quality Assessments
6.2.2 Quality Objectives – planning (a thru e): When planning how to achieve its quality objectives, the organization SHALL determine: a) what will be done; b) what resources will be required; c) who will be responsible; d) when it will be completed; e) how the results will be evaluated. These are the basics of any well-designed plan.
Highlighted Clauses:
Smithers Quality Assessments
38 Copyright 2016 Smithers Quality Assessments
6.3 Planning of changes- When the organization determines the need for changes to the quality management system, the changes SHALL be carried out in a planned manner (see4.4). The organization SHALL consider: a) the purpose of the changes and their potential
consequences; b) the integrity of the quality management system; c) the availability of resources; d) the allocation or reallocation of responsibilities and
authorities.
Highlighted Clauses:
Smithers Quality Assessments
39 Copyright 2016 Smithers Quality Assessments
6.3 Planning of changes- NEW! Change happens! When it does, be sure the integrity of
your QMS remains intact. Examples of changes that can effect the QMS: Change in top management; New customers New processes New suppliers Capacity constraints Safety consideration
Highlighted Clauses:
RISK !
Smithers Quality Assessments
40 Copyright 2016 Smithers Quality Assessments
7.1.6 Resources - Organizational knowledge The organization SHALL determine the knowledge necessary for the operation of its processes and to achieve conformity of products and services. Consider: How are new employees trained? Who trains them?
Re-training? What happens when a new process is installed? Knowledge in drawings? Work Instructions? Shop
Travelers? Control Plans?
Highlighted Clauses:
Smithers Quality Assessments
41 Copyright 2016 Smithers Quality Assessments
7.3 Awareness The organization SHALL ensure that persons doing work under the organization's control are aware of: b) relevant quality objectives; c) their contribution to the effectiveness of the
quality management system, including the benefits of improved performance;
d) the implications of not conforming with the quality management system requirements.
Highlighted Clauses:
Smithers Quality Assessments
42 Copyright 2016 Smithers Quality Assessments
7.3 Awareness: In the 2008 version, these requirements were
mostly implied. Now they are explicit. From an auditor’s perspective, it will now be
appropriate to ask any employee about: Policy Objectives (for their process or department) Impact of their job duties on these Benefit of improved performance
Smithers Quality Assessments
43 Copyright 2016 Smithers Quality Assessments
7.4 Communication The organization SHALL determine the internal and
external communications relevant to the quality management system, including: a) on what it will communicate; b) when to communicate; c) with whom to communicate; d) how to communicate; e) who communicates.
What is your plan for effective communication?
Highlighted Clauses:
Smithers Quality Assessments
44 Copyright 2016 Smithers Quality Assessments
7.5.1 Documented information - General The organization's quality management system SHALL include: a) documented information required by this
International Standard; b) documented information determined by the
organization as being necessary for the effectiveness of the quality management system.
Highlighted Clauses:
Smithers Quality Assessments
45 Copyright 2016 Smithers Quality Assessments
7.5.1 Documented information – General: NOTE: No required procedures. This does not mean an organization no longer
needs to have procedures. It is now up to the organization to make its own determination regarding procedures, work instructions, etc.
There are numerous places in the standard where “documented information” appears.
Maintaining documented information may be a chosen method to reduce risk….
Highlighted Clauses:
Smithers Quality Assessments
46 Copyright 2016 Smithers Quality Assessments
To gain consensus on how things are to be done To provide a means for training new and transferred
personnel To provide an effective vehicle for communicating
changes To mitigate risk
REMINDER Reasons for creating a procedure:
Smithers Quality Assessments
47 Copyright 2016 Smithers Quality Assessments
7.5.3.1 Control of documented information Documented information required by the quality management system and by this International Standard SHALL be controlled to ensure: b) it is adequately protected (e.g. from loss of
confidentiality, improper use, or loss of integrity). Changes to documents make the current document obsolete.
Be sure the user does not use the obsolete document unless warranted. This applies to both internally generated documents and those of external origin.
Highlighted Clauses:
Smithers Quality Assessments
48 Copyright 2016 Smithers Quality Assessments
8.1 Operational Planning and Control The organization SHALL plan, implement and control processes (see 4.4) needed to meet requirements for the provision of products and services, and to implement actions determined in CLAUSE 6 (objectives) by:
b) Establishing criteria for processes; d) Implementing control of processes in accordance with criteria; Let’s look at a few examples. You need to use your defined processes!
Highlighted Clauses:
Smithers Quality Assessments
49 Copyright 2016 Smithers Quality Assessments
Examples of Process Criteria:
Process Criteria/ Metric Actual Purchasing 98% OTD from suppliers
Measured monthly 99%
Production < 2% Scrap : > 87% Utilization Measured by job/ part number
3.1% scrap 89% Utilization
Contract Review < 2% production changes due to equipment capability Measured by job/ monthly
1.7 %
What actions are being taken to correct the scrap not meeting the criteria?
Smithers Quality Assessments
50 Copyright 2016 Smithers Quality Assessments
8.1 Operational Planning and Control e) Determine, maintain and retain documented information to the extent necessary: 1) have confidence the processes have been carried out as planned; The organization SHALL control planned changes and review the consequences of unintended changes, taking action to mitigate any adverse effects, as necessary.
Highlighted Clauses:
Smithers Quality Assessments
51 Copyright 2016 Smithers Quality Assessments
8.4.2 Control of externally provided processes, products and services (aka, Purchasing) - Type and extent of control The organization SHALL ensure that externally provided processes, products and services …The organization SHALL: a) ensure that externally provided processes remain
within the control of its quality management system; An organization cannot abdicate its responsibility
for meeting customer requirements. In other words, you can't simply blame the supplier.
Highlighted Clauses:
Smithers Quality Assessments
52 Copyright 2016 Smithers Quality Assessments
8.4.3 Information for external providers: d) external providers interactions with the
organization e) control and monitoring of the external providers'
performance to be applied by the organization; Define criteria for approving and disqualifying
suppliers. Maintain a list of approved suppliers. Rate their performance on a regular basis, typically
annually. It is okay to “manage by exception.”
Highlighted Clauses:
Smithers Quality Assessments
53 Copyright 2016 Smithers Quality Assessments
8.5.1 Control of production and service provision: c) the implementation of monitoring and measurement
activities at appropriate stages to verify that criteria for control of processes or outputs, and acceptance criteria for products and services have been met What is the verification your organization will use to
evaluate whether processes have met criteria?
Highlighted Clauses:
Smithers Quality Assessments
54 Copyright 2016 Smithers Quality Assessments
8.5.1 Control of production and service provision: g) the implementation of actions to prevent human
error; It is easy to "blame the operator." But, in most cases, there is something wrong with
the process (tooling, machine conditions, measurement equipment, documentation errors, material issues, training, supervision, etc.).
Is your organization error proofing?
Highlighted Clauses:
Smithers Quality Assessments
55 Copyright 2016 Smithers Quality Assessments
8.5.6 Control of changes: The organization SHALL review and control changes
for production or service provision, to the extent necessary to ensure continuing conformity with requirements.
The organization SHALL retain documented information describing the results of the review of changes, the person(s) authorizing the change, and any necessary actions arising from the review.
How are you controlling changes?
Highlighted Clauses:
Smithers Quality Assessments
56 Copyright 2016 Smithers Quality Assessments
9.1.3 Analysis and evaluation The organization SHALL analyze and evaluate appropriate data and information arising from monitoring and measurement. The results of analysis SHALL be used to evaluate:
d) if planning has been implemented effectively; e) the effectiveness of actions taken to address
risks and opportunities; Don’t fall in the trap of looking at information only on a
monthly , quarterly or annual basis.
Highlighted Clauses:
Smithers Quality Assessments
57 Copyright 2016 Smithers Quality Assessments
9.3.2 Management review inputs: The management review SHALL be planned and carried
out taking into consideration: b) changes in external and internal issues; c) trends in: 5) monitoring and measuring results;
e) the effectiveness of actions taken to address risks and opportunities (see 6.1);
Highlighted Clauses:
Smithers Quality Assessments
58 Copyright 2016 Smithers Quality Assessments
10.2.1 Nonconformity and corrective action Little new, but this is a good time to re-visit what I
refer to as the 5-C’s Containment Correction Cause determination Corrective action Confirmation
Highlighted Clauses:
Smithers Quality Assessments
59 Copyright 2016 Smithers Quality Assessments
Containment: Determining the extent of the problem In addition to isolating the immediate or proximate
problem, take action(s) to determine if the identified problem: exists elsewhere in inventory… ...or the management system?
Smithers Quality Assessments
60 Copyright 2016 Smithers Quality Assessments
Correction: What action was taken to: a) correct the identified problem? b) correct any other problems identified as a
result of the containment action? Correction can be any one of the following: Rework (or change the documentation) Repair Re-grading Use as it (with approval) Scrap
Smithers Quality Assessments
61 Copyright 2016 Smithers Quality Assessments
Cause determination: The root-cause should be focused on what part of
the management system failed and why it failed. Human error is generally not an acceptable response.
Generally, there are two basic questions to ask: What failed in our management system that
allowed the problem to: Occur? Not be detected when it occurred?
Smithers Quality Assessments
62 Copyright 2016 Smithers Quality Assessments
Corrective action: Define the specific changes to the management
system that were taken to address the identified weakness in the management system that allowed the original and, as applicable, other identified problems to exist – goal is to ensure that the identified condition does not recur.
Do not confuse this with “correction.”
Smithers Quality Assessments
63 Copyright 2016 Smithers Quality Assessments
Corrective action (cont’d.): Corrective actions must make sense and be directly
related to what was defined as the root cause(s). NOTE: There may be more than one cause – see
previous slides. If so, there will need to be at least one corrective
action for each defined cause.
Smithers Quality Assessments
64 Copyright 2016 Smithers Quality Assessments
Confirmation: Details of the specific actions taken to provide
assurance (verification) that: a) the corrective actions are, and continue to be,
effective; b) the corrective actions did not result in new
failures in other parts of the management system.
Think: “Special Audit”
Smithers Quality Assessments
65 Copyright 2016 Smithers Quality Assessments
10.2.1 Nonconformity and corrective action One new requirement: e) update risks and opportunities determined
during planning, if necessary;
Highlighted Clauses:
Smithers Quality Assessments
66 Copyright 2016 Smithers Quality Assessments
S.W.O.T. analysis Preventive Actions Process or Design analysis via FMEA (Failure Mode
Effects Analysis) Monitoring & Measurement of Processes RACI analysis Succession planning Cross-training Preventive maintenance Effective internal audits and management reviews
Summary of Risk Management Tools
Smithers Quality Assessments
67 Copyright 2016 Smithers Quality Assessments
SQA prefers that you upgrade to ISO 9001:2015 by the end of 2017
Obtain a copy of the ISO 9001:2015 standard www.asq.org
Form a “transition team” The team needs to consist of all process owners! DO NOT LEAVE IT UP TO YOUR QUALITY
MANAGER TO DO ALL THE WORK!!!!
Next Steps:
http://www.asq.org/
Smithers Quality Assessments
68 Copyright 2016 Smithers Quality Assessments
Decide whether or not to re-number and/or re-name your documents.
Example: Current purchasing procedure is numbered & named “P-7.4, Purchasing” Options: New number: P-8.4, Purchasing (or, “P-8.4, Control of externally
provided processes, products and services”) New number: BP-X, Purchasing (or, “Control of externally provided
processes, products and services” - The “BP” stands for Business Process)
No number: Simply a title: Purchasing (or, “Control of externally provided processes, products and services”)
Next Steps:
Smithers Quality Assessments
69 Copyright 2016 Smithers Quality Assessments
Decide which Risk Management tools to use. Make any needed changes. Let the changes “work” for 2-4 months. Execute an internal audit of the entire system. Follow this with a management review meeting. Contact your assigned SQA auditor and let them know
that you are ready for the upgrade process. It can occur at: A surveillance audit A recertification audit
Next Steps:
Smithers Quality Assessments
70 Copyright 2016 Smithers Quality Assessments
Thanks for your attention and participation My contact information:
John Sedlak Sedlak Consulting 36 Auburn Ave. S.E. North Canton, OH 44709 Cell: 330-936-3436 Email: [email protected] Web: www.sedlakconsulting.com
Thank You and Goodluck on your Transition!!!
mailto:[email protected]://www.sedlakconsulting.com/
Slide Number 1Slide Number 2Slide Number 3Slide Number 4Slide Number 5Slide Number 6Slide Number 7Slide Number 8Slide Number 9Slide Number 10Slide Number 11Slide Number 12Slide Number 13Slide Number 14Slide Number 15Slide Number 16Slide Number 17Slide Number 18Slide Number 19Slide Number 20Slide Number 21Slide Number 22Slide Number 23Slide Number 24Slide Number 25Slide Number 26Slide Number 27Slide Number 28Slide Number 29Slide Number 30Slide Number 31Slide Number 32Slide Number 33Slide Number 34Slide Number 35Final thoughts on Risk Management:Slide Number 37Slide Number 38Slide Number 39Slide Number 40Slide Number 41Slide Number 42Slide Number 43Slide Number 44Slide Number 45Slide Number 46Slide Number 47Slide Number 48Slide Number 49Slide Number 50Slide Number 51Slide Number 52Slide Number 53Slide Number 54Slide Number 55Slide Number 56Slide Number 57Slide Number 58Slide Number 59Slide Number 60Slide Number 61Slide Number 62Slide Number 63Slide Number 64Slide Number 65Slide Number 66Slide Number 67Slide Number 68Slide Number 69Slide Number 70Slide Number 71