個案資料
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The Ombudsman: Examining Portfolio Risk in Troubled Times (A)
內容大綱
The chief compliance officer at NYR Financial Services (NYR) faces a decision-making dilemma regarding whether or not to increase a settlement offer to a client. This particular client has lodged a complaint against the investment firm, alleging that his money was inappropriately invested, given the risk tolerance level of his portfolio. The client believes that as a result of this mismanagement, he has lost over $100,000. The complaint has been reviewed by several panels of finance experts, including the Ombudsman for Banking Services and Investments (OBSI), with the latter concluding that NYR owes the client a settlement of $40,000. NYR’s compliance officer must now decide between two options: meet the client somewhere in the middle, or inform the OBSI that NYR will not be following the panel’s recommendation. If NYR chooses the latter option, OBSI will go public with NYR’s refusal to abide by the ombudsman’s advice. See supplemental case 9B14N026.
學習目標
<ul><li>To examine the characteristics of trade suitability from the perspective of multiple stakeholders.</li><li>To examine the determination of investor risk tolerance.</li><li>To examine the concept of “fairness” as it pertains to investors and the role prescribed regulations play.</li><li>To understand when compensable damages have occurred and how to determine the amount.</li></ul>