Low contribution/arrears
CriticalOur response: Member education, payment reminders, realistic budgeting, reserve policy
LowModerateHighCritical
Severity = likelihood × impact
Fraud or misuse of funds
HighOur response: Segregation of duties, dual approvals, reconciliation, independent review
Poor workmanship
HighOur response: Technical assessment, approved contractors, milestones and inspection
Project cost escalation
CriticalOur response: Competitive quotations, contingencies and scope control
Community disputes/favouritism
HighOur response: Published criteria, scoring, declarations and complaint process
Regulatory/permission issues
HighOur response: Professional advice and required approvals before works
Expansion too quickly
HighOur response: Housing expansion gate and board/community approval
Leadership continuity
ModerateOur response: Documented roles, succession and shared access to records