Enterprise Risk Management Framework (ERMF)
Complete ERM documentation: risk appetite, 3 Lines of Defense, committee charter, and board reporting.
Delivered immediately after checkout — your template and guide links are emailed to you with your receipt.
Used by compliance teams at banks, fintechs, and asset managers
Quick buying summary
What you get and when you can use it
- Good fit if
- Your bank partner or regulator has asked to see your ERM framework and you don't have documented governance structure
- Format
- Editable workbook plus PDF/supporting guide materials where included. Instant download after checkout.
- Time to value
- Start reviewing, editing, and assigning owners the same day; customize to your organization before sharing outputs externally.
- After purchase
- After checkout, your templates and guides are available immediately and the download link is sent to your email with your Stripe receipt. No account required.
What's included
- Risk appetite statement template
- 3 Lines of Defense model
- Risk committee charter
- Board risk reporting dashboard
- Risk taxonomy framework
- ERM implementation guide
Use rights: customize for internal business use and use outputs with your auditors, customers, bank partners, and regulators. Do not resell or redistribute the template files.
Preview
See what the template covers
7 core ERM framework components — Risk Governance, Risk Identification, Assessment, Mitigation, Monitoring, Reporting, and Technology
ERM governance by company stage — how risk ownership shifts from startup to enterprise
Three Lines of Defense model — Business/1LOD, Risk/Compliance/2LOD, Internal Audit/3LOD
30-Day Money-Back Guarantee
If this template doesn't meet your expectations, email us within 30 days for a full refund. No questions asked.
Usage, access, and purchase details
Can my team customize it?
Yes. The template is intended to be edited for your internal business use and adapted to your controls, owners, products, vendors, and evidence.
Can I share outputs externally?
Yes. You can use completed outputs with auditors, customers, bank partners, regulators, and internal stakeholders. Do not resell or redistribute the source template files.
How do I receive it?
Checkout is handled through Stripe. After purchase, you receive the template and guide download link immediately on the confirmation page and by email, along with your Stripe receipt. No account is required.
What if it is not a fit?
Email within 30 days for a refund. The guarantee is meant to remove purchase risk while you evaluate whether the template fits your use case.
Frequently Asked Questions
What does the risk appetite statement template include, specifically?
The template includes sample board-approvable language for 7 risk appetite dimensions: financial loss tolerance (dollar thresholds), regulatory penalty tolerance, reputational impact tolerance, operational disruption tolerance, data privacy incident tolerance, third-party failure tolerance, and strategic risk tolerance. Each dimension has a sample statement with placeholders for your specific thresholds — not generic boilerplate that requires a consultant to translate.
How does the 3 Lines of Defense model adapt to different company sizes?
The guide includes specific 3LoD configurations for 3 company sizes: under 50 employees (where the same person may wear 1LOD and 2LOD hats), 50–200 employees (where dedicated risk/compliance staff emerge), and 200+ employees (where full separation becomes practical). It explains how to document the model appropriately when you don't have perfect line separation.
What does the risk committee charter include?
The charter covers: committee purpose and mandate, membership (roles that should be included at each company size), meeting frequency and quorum requirements, delegation of authority, reporting obligations to the board, and a list of required agenda items. It's designed to be adopted by a board resolution without requiring legal redrafting.
How does the board risk reporting dashboard work?
The Excel board report tab includes: an executive summary section with top 5 risks and movement since last period, a heat map summary, key risk appetite metrics with status (green/amber/red), open issues count and aging, and a regulatory and audit findings summary. It's designed to be an insert in a board pack without additional formatting.
What's in the 33-page guide that isn't obvious from the templates?
The guide covers: how to get board buy-in for a formal ERM program, how to communicate risk appetite in language non-risk people understand, how to run your first risk committee meeting, how to connect your ERM framework to operational-level programs like the RCSA and KRI library, and common implementation mistakes that cause frameworks to become shelf documents.
Can I use this if I already have some risk documentation but no coherent framework?
Yes — the guide includes a "framework assembly" approach for teams that have pieces (a risk register, some policies, maybe a committee) but no coherent structure connecting them. The ERM maturity assessment in the Excel template scores your current state across governance dimensions, which shows you exactly where the gaps are.
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