Chartered Retirement Planning CounselorSM or CRPCÂ®. Individuals who hold the CRPCÂ® designation have completed a course of study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations.
the first line of defence â functions that own and manage risk. the second line of defence â functions that oversee or specialise in risk management, compliance. the third line of defence â functions that provide independent assurance, above all internal audit.
Image: Infection. If the pathogens are able to get past the first line of defence, for example, through a cut in your skin, and an infection develops, the second line of defence becomes active. Through a sequence of steps called the immune response, the immune system attacks these pathogens.