Julia Pearson, Manager of Security operations, Security Infrastructure, and Physical Access Management was the guest speaker for the September Chapter meeting.  She reviewed and shared how American Family Insurance (AFI) developed its own in-house Threat, Vulnerability, and Risk Assessment (TVRA) program. She explained the pros and cons of formulating and conducing an in-house program vs. hiring an external 3^rd party vendor (security consultant) to conduct the assessments.