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The Human Risk Podcast

Human Risk
The Human Risk Podcast
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  • Tom Hardin On Turning A Crime Into A Calling
    What happens when the worst thing you’ve ever done becomes the foundation for your life’s work?Episode SummaryMy guest on this episode is Tom Hardin, otherwise known as Tipper X.  He's been on the show before, but this time we're tackling a different angle.If you don’t already know his story, Tom was a rising star in the hedge fund world in his twenties when he became involved in insider trading. Caught by the FBI, he made the decision to cooperate — ultimately becoming one of the most prolific informants in the largest investigation of its kind in U.S. history. His work with the FBI helped secure dozens of convictions, and while his own case remained under seal for years, he eventually chose to speak publicly about what happened — not to excuse it, but to help others understand how good people can make bad decisions.If you haven’t heard Tom’s first appearance on the show, where he tells that extraordinary story in full, I highly recommend listening to it here before diving into this episode.Because this time, we’re not talking about what he did back then; we’re talking about what he’s done since. Tom has built a powerful second act, using his experience to educate organisations about ethics, decision-making and behavioural risk. He’s now delivered over 600 talks, and what fascinates me is how he’s turned that into something both impactful and sustainable.His forthcoming book Wired on Wall Street is due out next year, and he’ll be back on the show to talk about that. But for now, I wanted to explore what it means to build a career from a cautionary tale. In this conversation, we explore:How Tom built a speaking business around his past without glamourising itThe frameworks he’s developed to help companies recognise ethical pressure pointsHow he navigates scepticism, manages reputation, and avoids turning his story into a performanceThe impact he hopes to have, and how he measures itThis is a conversation about vulnerability, professionalism, and doing good with what you’ve learned the hard way. Whether you're in compliance, leadership, education, or just curious about how we turn failure into purpose, this one’s for you.Guest ProfileTom is a former hedge fund analyst turned FBI informant, now a globally recognised speaker and ethics educator. Known as Tipper X, Tom shares his story to help others understand the behavioural drivers of misconduct and the power of accountability. AI Generated Timestamped Summary00:00 – IntroductionChristian shares the origin of this episode, his relationship with Tom, and the context behind the conversation.06:30 – The label “Tipper X” and living with itTom reflects on how it feels to be known by his code name and why he uses it professionally.09:00 – What it’s like to talk about the worst thing you’ve done, repeatedlyThe emotional and psychological toll of speaking publicly about past wrongdoing.13:00 – Keeping it fresh: updating the story and the messageHow Tom avoids becoming performative and ensures audiences always get something valuable.16:40 – Why it’s not entertainmentTom draws the line between education and storytelling-as-performance, and how he avoids glamorising his past.20:50 – The business model behind Tipper XThe practicalities of how Tom has built and sustained a speaking career rooted in his past.26:30 – Frameworks and tools Tom uses in his talksHe discusses behavioural insights and models he shares with audiences to make the message stick.31:00 – The “AI homework” storyA compelling example Tom uses to explain rationalisation and ethical grey areas.36:00 – Over 630 talks: managing the workload and the missionHow Tom tracks his talks and why he keeps going despite the repetition.39:10 – Audience reactions and confessionsWhat people tell Tom after his talks — and what that reveals about corporate culture.42:30 – “Why should we pay someone who committed a crime?”Christian and Tom unpack this ethical tension and why context, intent and delivery matter.48:00 – Building trust with clients and collaboratorsThe importance of transparency, humility and boundaries in how Tom presents himself.53:20 – What success really looks likeTom reflects on purpose, legacy and the long-term impact he hopes to have.57:00 – Looking ahead: the forthcoming book and continuing the conversation. Christian mentions Tom’s upcoming book Wired on Wall Street, and plans for a future episode.LinksPodcast: Tom’s previous appearance on the showTom's website: TipperX.comPre-order Tom's book Wired On Wall Street; https://www.amazon.com/Wired-Wall-Street-Prolific-Informants/dp/1394348878His LinkedIn profile: https://www.linkedin.com/in/tipperx/Tom's Substack Newsletter: https://tipperx.substack.com/
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  • James Healy on BS at Work (Bullshit & Behavioural Science)
    Why do so many workplaces run on bullshit processes and procedures?  And how might Behavioural Science help resolve them?Episode SummaryIn this episode, I sit down with author, speaker and advisor James Healy to explore his book BS at Work — and the everyday nonsense we all recognise inside organisations.James argues that while behavioural science has transformed public policy and consumer behaviour, workplaces have lagged behind. We dig into why leaders keep choosing rituals over results, why nobody seems to ask “does this actually work?”, and how our search for simple answers can make complex systems worse.I ask James to unpack some of his favourite stories, including the strange origins of the DISC personality test — created by Wonder Woman’s inventor, complete with “dominance” and “submission” baked in — and the utterly self-parodying experience he had with e-learning about not cheating on e-learning. 😳We talk context vs. character, box-ticking vs. behaviour change, and why “I don’t know” is often the most honest answer in big organisations. We finish on what to do instead. James doesn’t offer commandments — he offers principles that sometimes even contradict each other, because context matters.Together we make the case for designing environments that make the desired behaviours easier, embracing complexity with humility, and asking better questions — especially when a shiny quick fix is on the table.GUEST BIOJames is an author, speaker and executive advisor who applies behavioural science to organisational problems — with a mission to make workplaces more human. He's also the Founder and Managing Director of The Behaviour Boutique and host of The B-Word podcast, AI-GENERATED TIMESTAMPED SUMMARY[00:00:00] Introduction [00:03:00] James’s path: economics → philosophy → Kahneman & Tversky lightbulb. [00:06:00] The question James asks in orgs: “Does anybody think this will work?” [00:09:00] The missing third answer: “I don’t know” — and why nobody measures impact. [00:10:30] Why people stick with accepted rituals; self-preservation beats candour. [00:13:30] The book’s stance: no silver bullets; principles, not commandments. [00:16:00] Personality tests & categories; the DISC backstory via Wonder Woman. [00:20:00] Humans on continua, not binaries; our craving for neat boxes. [00:23:00] Complexity rising; we cling harder to simplicity and widen the gap. [00:24:30] The brain’s connectome as humility check; limits of two-by-two thinking. [00:27:00] Context > character; orgs try to “fix the individual” instead of the system. [00:29:00] Mixed signals: “be collaborative” vs. incentives and spaghetti systems. [00:34:00] AI and magical thinking; processes are simple “except for all the ways they’re not.” [00:41:00] Call-centre scripts vs. common sense — when design defeats judgment. [00:45:00] Purpose theatre: the Greggs poster and the risk of making things worse. [00:51:00] The e-learning about not cheating on e-learning; incentives and signals. [00:55:00] “Do something” bias (Geldof); why activity ≠ effectiveness in orgs. [01:00:00] Failure as feature; thinking critically beats imported “models.” [01:01:00] Book and podcast details; where to find James. LINKSJames on LinkedIn: https://www.linkedin.com/in/james-healy-behaviour-boutiqueJames' website for his business The Behaviour Boutique:  https://thebehaviourboutique.com/James' Book BS At Work: Why so much of modern work is bullshit and how behavioural science can make it better  - https://www.amazon.co.uk/BS-At-Work-bullshit-behavioural/dp/0646719173?ref_=ast_author_dpJames' Podcast The B Word - https://thebehaviourboutique.com/podcast/
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  • Pep Rosenfeld on Work Laugh Balance
    What if the most powerful tool at work isn’t logic, but laughter? On this episode I'm speaking to a comedian who far from thinking humour is a workplace distraction, thinks it might be one of our most powerful tools. Episode SummaryMy guest is Pep Rosenfeld: comedian, improviser, and co-founder of the Amsterdam-based comedy institution Boom Chicago. He’s also the author of Work Laugh Balance, a manifesto for injecting humour into the working world. We explore why humour matters; not just as entertainment, but as a serious enabler of collaboration, communication, and honesty. Pep brings a unique perspective: part performer, part business trainer. We talk about how Boom Chicago went from late-night improv to a launchpad for corporate masterclasses in leadership and presentation. Along the way, we unpack the risks and rewards of using humour at work; what works, what really doesn’t, and how to find the line without crossing it. Pep shares ethical guidelines for office jokes, the power of self-deprecation, and why starting with a laugh can lead to deeper conversations. We also get into the craft of being funny.Pep explains why good comedy is rarely spontaneous, why AI still can’t tell a decent joke, and why live audiences matter more than ever. Whether you're trying to lighten the mood in a meeting or name the elephant in the room without causing a stampede, this episode offers practical ideas (and a few laughs) on how to do it with intelligence and care.AI-Generated Timestamped Summary[00:00:00] Opening on humour’s overlooked role in work; intro to Pep Rosenfeld[00:01:00] How Boom Chicago began as a summer comedy project in Amsterdam[00:04:00] Expanding into improv for kids on the autism spectrum[00:06:00] The book’s premise: humour fuels communication, leadership, and trust[00:11:00] Why advertisers and leaders alike should embrace humour[00:12:00] Rules for workplace humour: self-deprecate, avoid punching down, don’t get creepy[00:16:00] Comedy as a tool for tackling elephants in the room[00:23:00] The myth of improv: strong humor depends on thoughtful prep[00:26:00] The power of presence and live attention in comedy[00:33:00] What comedians offer that motivational speakers don’t[00:36:00] How Pep uses AI to show the limits of artificial humour[00:41:00] Using comedy to defuse fear and build connection[00:44:00] Parallel skills: being a lawyer vs. being a comedian[00:50:00] The energy difference between live and virtual comedy[00:55:00] Defining Work Laugh Balance: credibility without sterility[01:00:00] What’s next for Pep, where to find his work, and closing thoughtsLinksPep on LinkedIn - https://www.linkedin.com/in/pep-rosenfeld-394b2424/Boom Chicago, Pep's Amsterdam comedy club - https://boomchicago.nl/Work Laugh Balance - https://amzn.eu/d/678xGYNIf you eniyed this episode, then you might also like these previous episodes of the show:Comedy writer Paul Dornan on Being Truly Funny - https://www.humanriskpodcast.com/paul-dornan-on-being-truly-funny/Improv Comedian Neil Mullarkey on Being In The Moment - https://www.humanriskpodcast.com/neil-mullarkey-on-being-in-the-moment/Impressionist Josh Berry on Comedy, Satire and Impressions - https://www.humanriskpodcast.com/josh-berry-on-comedy-satire-impressions-part-one/
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  • Ella Jenkins & Pete Dyson on Why Do Cyclists Run Red Lights?
    Why do cyclists in London run red lights? It's against the law, and yet, if you've cycled, driven or just observed London's cyclists, you'll know that many of them don't stop when there's a red light. Confession time: I'm one of them. Not all the time, but some of the time, and weirdly not when I'm in Munich — the other city I live in — but only in London.The question of why this happens — not just my red light running, but the act in general — is the subject of this episode. Because I think this seemingly simple act can reveal so much about our compliance with rules, our perception of risk, and the way environments shape behaviour.To unpack these insights, I’m joined by Ella Jenkins, Associate Director at Thinks Insight, and Pete Dyson, a behavioural science researcher at the University of Bath and co-author of Transport for Humans.  They've been part of a research team on a study commissioned by Lime, the electric bike and scooter company, which explores why cyclists in London behave the way they do.What we discover isn’t about recklessness—it’s about confidence, social signalling, poor infrastructure, and the surprising psychology of compliance. In our conversation, we examine the drivers of red-light running, the effectiveness of different interventions, and what this means for broader behaviour change.Whether you’re a policymaker, a cyclist, or simply someone curious about how our minds and cities interact, this episode offers practical insights into one of the most visible — and misunderstood — forms of everyday noncompliance.Guest BiographiesElla Jenkins is an Associate Director at Thinks Insight, a strategy and research consultancy that helps clients understand human behaviour and deliver change. She led the research project commissioned by Lime to understand why cyclists in London run red lights. With a background in behavioural science and a passion for applying insights in real-world contexts, Ella brings both analytical rigour and empathy to her work.Pete Dyson is a behavioural science researcher at the University of Bath, where he focuses on transport systems and human behaviour. He is the co-author with Rory Sutherland of the influential book Transport for Humans: Are we nearly there yet? and previously served as the Principal Behavioural Scientist at the UK Department for Transport. He's also the current Cycling Mayor for the UK City of Bath.Pete blends practical policymaking experience with a deep understanding of the behavioural levers that shape how we move through the world.AI-Generated Timestamped Summary[00:00:00] Introduction and personal confession about red-light running[00:01:15] Overview of the Lime-commissioned research [00:03:20] Introducing Ella Jenkins and Pete Dyson[00:05:45] The origins and goals of the study[00:09:05] Red-light running as a defensive rather than reckless behaviour[00:12:08] Confidence and frequency of cycling linked to rule-breaking[00:13:14] Perceptions versus reality of who breaks the rules[00:16:32] The role of infrastructure and signal phasing[00:18:54] Social norms and peer influence on cyclist behaviour[00:21:46] Trust in the rules versus lived reality [00:24:20] Designing for behavioural cues[00:28:15] Comparison with other cities like Munich [00:30:58] The emotional context of cycling[00:34:46] Enforcement and views on potential interventions[00:38:12] Habit formation and unintended nudges [00:41:23] The interplay between education and empathy[00:46:49] Final reflections and Christian's closing thoughtsLinksElla on LinkedIn: https://www.linkedin.com/in/ella-jenkins/Pete on LinkedIn: https://www.linkedin.com/in/pete-dyson-9ba5301b/What drives red light running in London cyclists?, the research we discuss: https://fileserver.britainthinks.com/dl/wH4CcDyRg8bVThinks Insight: https://www.thinksinsight.com/Lime Bikes: https://www.li.me/en-gbTransport for Humans: https://www.transportforhumans.com/Pete's previous appearance on the show talking about Transport for Humans: https://www.humanriskpodcast.com/pete-dyson-on-making-transport-more-human/The announcement of Pete as Cycling Mayor of Bath: https://www.bath.ac.uk/announcements/the-bicycle-mayor-of-bath-pete-dyson/
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  • Dr Nuno Reis on Rare Dots
    What if the ideas that linger in the back of your mind — the ones you can’t quite explain — are the ones you most need to pay attention to?Episode SummaryIn this episode, I explore that question with Dr Nuno Reis, a former physicist and investment banker turned thinker and guide in uncovering what he calls rare dots — those unique, pre-verbal insights that feel deeply resonant but don’t yet fit into our existing models of the world.Our conversation begins with Nuno’s unusual career path, from string theory and theoretical physics into financial modelling and risk management, before moving into transparency roles in finance. From there, we trace the thread of his enduring curiosity: how crises drive paradigm shifts, why models are useful but limited, and what happens when we acknowledge that not everything fits into neat rational frameworks.Nuno then introduces the concept of rare dots and explains how he’s harnessing AI in a novel, deeply human way: not to replace thought, but to help us surface the preverbal ideas that shape our uniqueness. Together, we explore how rare dots can guide creativity, meaning, and innovation in our work and lives — and why paying attention to the things that don’t quite make sense may be the most sensible thing we can do.Guest BiographyDr Nuno Reis describes himself as a physicist turned banker turned explorer of human thinking. After completing a PhD in theoretical physics with a focus on string theory, he transitioned into investment banking at UBS and later into financial engineering and transparency initiatives at Bloomberg.Over 18 years in finance, he applied scientific methods to risk modelling, hedging, and complex derivatives, all while maintaining a deep curiosity about the limits of logic and models.Today, Nuno is the creator of the Rare Dots framework, which helps individuals and organisations uncover the pre-verbal insights that drive creativity and meaning. He combines philosophy, history of thought, and cutting-edge uses of AI to build environments where people can explore their deepest intuitions.Through workshops, cohorts, and his own practice, he guides others in turning those rare dots into pathways for innovation, purpose, and contribution.AI-Generated Timestamped Summary[00:00:00] Introduction and framing of rare dots as preverbal insights[00:01:00] Nuno’s background: from physics to banking and financial modelling[00:06:00] Applying scientific methods to markets and the 2008 crisis[00:12:00] Replication crisis and paradigm shifts in science[00:18:00] Early story of curiosity and existential questions[00:21:00] Introduction of rare dots as deeply resonant insights[00:26:00] How resonance and intuition shape meaning[00:30:00] Creating environments to surface rare dots[00:35:00] History of thinking vs history of ideas[00:40:00] Using AI as a tool for rare dots and Wittgenstein’s ladder[00:46:00] How AI can surface pre-verbal thinking[00:52:00] AI as a prompt for deeper human thinking[00:56:00] Rare dots exploration as an infinite game[01:02:00] Rare dots as a guide for careers and human valueLinksNuno on LinkedIn - https://www.linkedin.com/in/nuno-reis/Nuno's Substack - https://nunobreis.substack.com/
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About The Human Risk Podcast

People are often described as the largest asset in most organisations. They are also the biggest single cause of risk. This podcast explores the topic of 'human risk', or "the risk of people doing things they shouldn't or not doing things they should", and examines how behavioural science can help us mitigate it. It also looks at 'human reward', or "how to get the most out of people". When we manage human risk, we often stifle human reward. Equally, when we unleash human reward, we often inadvertently increase human risk.To pitch guests please email [email protected]
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