On of the greatest risk that faces today's ministries is effective management of their financial resources. Embezzlement and incompetence runs very high as the number three liability claim for ministries. It is critical that ministries get competent and honest financial persons involved if they are to be dynamic and growing ministries. Today's culture can most unforgiving if this area of ministry is in disarray.  This can bring a ministry and the staff to their knees very quickly.