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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2kdutjh.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Reinsurance and Catastrophe<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Professional learning<\/h1><p class=\"nx-scene-lede\">Catastrophe and reinsurance professionals train through actuarial and insurance qualifications and specialist courses the Global Risks Alliance (GRA) does not award. Platform learning material explains exceedance curves, layers and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 model-uncertainty\" data-tk=\"Nexus risk vocabulary\" data-td=\"Uncertainty from the structure, assumptions and parameters of the models used, often explored by comparing several models.\" data-ts=\"NRS-C1\" data-tr=\"draft\">model uncertainty<\/a> for boards, supervisors and pool staff.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/write-to-us\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/reinsurance-catastrophe\/\">Back to Reinsurance and Catastrophe<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contents<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">Professional learning in four parts.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"editorial\"><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"contents\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>In this dossier<\/strong><\/span><span class=\"nx-eyebrow\">4 parts<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-paths\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">Paths<\/span><span class=\"nx-register-v\">Start from the methods<\/span><\/a><\/li><li><a href=\"#nx-sec-pg-nx-gra-ap02-le\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">Learning<\/span><span class=\"nx-register-v\">Routes and notes<\/span><\/a><\/li><li><a href=\"#nx-sec-status\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Status<\/span><span class=\"nx-register-v\">How courses are added<\/span><\/a><\/li><li><a href=\"#nx-sec-pg-sources\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\">Where this page&#8217;s references lead<\/span><\/a><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-paths\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Paths<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Start from the methods.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-chips\"><span class=\"nx-chip\">Extreme value theory and tail risk<\/span><span class=\"nx-chip\">Actuarial mathematics<\/span><span class=\"nx-chip\">Climate and atmospheric science<\/span><span class=\"nx-chip\">Earth and geophysical science<\/span><span class=\"nx-chip\">Uncertainty quantification and model validation<\/span><span class=\"nx-chip\">Hydrology and water science<\/span><span class=\"nx-chip\">Ocean and coastal science<\/span><span class=\"nx-chip\">Structural and earthquake engineering<\/span><\/div><p class=\"nx-p nx-mt-3\">Each method links to its canonical page, which lists teaching material as it is published.<\/p><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"workflow\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/A-P02\/learning\/#workflow\" data-nxf-title=\"Participation\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-sec-pg-nx-gra-ap02-le\" class=\"nx-section\" data-hue=\"systemic\" data-variant=\"split\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Learning<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Routes and notes.<\/h2><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><ul class=\"nx-list\"><li>Actuarial fellowship and enterprise risk qualifications through IAA member associations.<\/li><li>Disaster risk finance courses of the World Bank programme.<\/li><li>Platform notes: occurrence versus aggregate curves; why <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 average-annual-loss\" data-tk=\"Nexus risk vocabulary\" data-td=\"The long-run expected loss per year, averaged over all possible events; it equals the area under the loss exceedance curve.\" data-ts=\"NRS-C1\" data-tr=\"draft\">average annual loss<\/a> hides the tail; clustering and demand surge.<\/li><\/ul><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"search\" data-nxf-kind=\"search\" data-nxf-resource=\"nexus:\/\/gra\/A-P02\/learning\/#search\" data-nxf-title=\"Find a group\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Process<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">How the process runs.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-pe\" id=\"nx-pe-wg-lifecycle\" data-nx-pe=\"nx-pe-wg-lifecycle\" data-active=\"wg-lifecycle\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Process<\/p><h2 class=\"nx-pe-title\">Professional learning: Working group, charter to sunset<\/h2><p class=\"nx-pe-cap\">A working group is chartered by record for a fixed timebox, delivers bounded assignments, drafts and recommends, then dissolves unless renewed; it does not adopt.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Form<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">NLC proposes the group<\/span><span class=\"nx-pe-k\">Decision \u00b7 National Leadership Council<\/span><span class=\"nx-pe-sm\">The NLC proposes working groups and nominates chairs, editors and experts from its leadership pools. It does not charter.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Charter by record<\/span><span class=\"nx-pe-k\">Decision \u00b7 National Standards Council<\/span><span class=\"nx-pe-sm\">A working group is chartered by record for a timebox of at most twenty-four months. The charter sets its scope, roles and decision rule.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Members join by competence<\/span><span class=\"nx-pe-k\">Step \u00b7 Members<\/span><span class=\"nx-pe-sm\">Experts, practitioners, students and volunteers join by competence. Members declare interests and recuse on conflict.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Work<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Workplan from the national agenda<\/span><span class=\"nx-pe-k\">Step<\/span><span class=\"nx-pe-sm\">Assignments come from the national agenda and the year&#8217;s missions. Each states the competence it needs and how the work will be reviewed.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Drafts and deliverables, delivered monthly<\/span><span class=\"nx-pe-k\">Record<\/span><span class=\"nx-pe-sm\">Groups deliver monthly. For standards they draft the national profile and deviation register and run national public comment and pilots.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Review<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Contribution record and review<\/span><span class=\"nx-pe-k\">Gate<\/span><span class=\"nx-pe-sm\">Each contribution is recorded and reviewed. A working group drafts and recommends; it does not adopt.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Recognition follows the record<\/span><span class=\"nx-pe-k\">Record<\/span><span class=\"nx-pe-sm\">Contribution records are kept, so that recognition follows the record.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">National adoption is decided elsewhere<\/span><span class=\"nx-pe-k\">Decision \u00b7 National Standards Council<\/span><span class=\"nx-pe-sm\">The National Standards Council decides the adoption mode and the national profile. The working group proposes and never decides.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Close<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">09<\/span><span class=\"nx-pe-st\">Dissolved by default, or renewed by record<\/span><span class=\"nx-pe-k\">Decision \u00b7 National Standards Council<\/span><span class=\"nx-pe-sm\">A group is dissolved by default at the end of the timebox. The National Standards Council renews or closes it, on the NLC&#8217;s proposal.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/governance-in-operation\/nwg\" rel=\"noopener\">National Working Groups<\/a> \u00b7 National Standards Council \u00b7 Decision rights<\/span><span>Designed programme process, not a record of operation. No cycle has run and every programme is at service level R0. A gate is a programme decision, never a public-authority approval, certification or deployment authorisation. No working group is constituted. The charter rules belong to the proposed <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> working model.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"climate\" aria-label=\"Status, Sources, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Status, Sources, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-status\" aria-selected=\"true\" data-key=\"p1\">Status<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-pg-sources\" aria-selected=\"false\" data-key=\"p2\">Sources<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-s-7-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><section id=\"nx-sec-status\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Status<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">How courses are added.<\/h2><p class=\"nx-lede\">Courses are listed once approved, with their provider, level and terms. Completing a course is a learning record, not a professional licence or certification.<\/p><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section nx-band-panel\" data-hue=\"systemic\" data-variant=\"stack\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Where this page&#8217;s references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/www.financialprotectionforum.org\/\">World Bank Disaster Risk Financing and Insurance Program: risk layering and instrument guidance<\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-7-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Are courses free?<\/summary><div class=\"nx-answer\">Each course states its own terms when it is listed.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-iskalliance-com-reinsurance-catastrophe-learning-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-iskalliance-com-reinsurance-catastrophe-learning-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-iskalliance-com-reinsurance-catastrophe-learning-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/model\/scenarios\/storm-surge\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Coastal storm surge<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/disaster-risk-finance\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Disaster risk finance<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-8\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Reinsurance and Catastrophe<\/span><h2 id=\"nx-close-8\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. 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