29  Credit Risk  Market Risk  Insurance Risk  Sustainability Risk  Liquidity Risk  Pension Fund Risk  Residual Value Risk  Reputation Risk  Operational Risk RISK MANAGEMENT IS  Accounting  Business Continuity  Fiduciary  Fraud  Information  Legal  Compliance  Operations  People  Tax  Technology Shariah Risk Management Embedded within the conventional business risk management framework  Non-compliance with Shariah rules and regulations  New product due diligence including simplification of product complexities  Application of Late Payment / Penalty for default in a Shariah compliance manner  Advise on debt restructuring  Changes in fatwa resulting in existing product being non-compliance  Advising / guiding with ongoing Shariah requirements
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