Primis Bank Enterprise Risk Management group uses two software solutions to help us capture risk that may be building in the bank.  Our goal is to capture risks as early as possible in order to give us time to build controls around the risk in order to contain exposure.  SRA’s Watchtower solution and capital planning model worked in identifying and monitoring a risk that was building.  As we saw the weakness growing quarter over quarter in SRA Watchtower we knew that we had an area of the bank that needed attention.  That’s the value of SRA’s solutions:  Being able to self-identify a problem through SRA Watchtower and validating that we have the capital to support the potential effects of the problem as we institute a remediation program.  Our other ERM software solution never gave us any indication of the impending challenge.  The reason that SRA’s Watchtower captured the risk early is due to the risk indicator questions that SRA’s consultants helped us design in order to identify risk specifically inherent in each regulatory defined risk category.  Our other software solution is not format-able; it can’t accommodate individual bank-specific idiosyncrasies nor accommodate questions that focus attention on the particularities of a risk category (credit risk indicators are very different from compliance risk indicators).  Our other ERM software was completely ineffective in “seeing” risk building.