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The Human Risk Podcast

Human Risk
The Human Risk Podcast
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364 episodes

  • The Human Risk Podcast

    Professor Mark Stoyle on The Western Rising of 1549

    22/03/2026 | 1h 4 mins.
    What lessons does a religious protest that led to an uprising  in 1549 have to do with human risk?

    At first glance, not very much. It’s easy to see it as a distant historical event — something about religion, kings, and a very different world. But as my guest, Professor Mark Stoyle explains, the Western Rising of 1549 is far more than that. It’s a powerful example of what happens when authority imposes change without understanding how people will react. 

    Episode Summary
    This episode started on a train journey to Exeter, where I was due to give a talk. Looking for a local story to make my presentation more relevant, I stumbled across a battle that had taken place just outside the venue in 1549. The more I read, the clearer it became that this wasn’t just history, it was a case study in compliance, behaviour, and unintended consequences.

    Guest Profile
    Mark is a historian and leading expert on what he calls the Western Rising of 1549. In this conversation, we explore how sweeping religious changes imposed by those in power triggered resistance, how small incidents escalated into a major rebellion, and why identity, belief, and emotion played such a critical role. Along the way, we discuss how history is written (and biased), why changing language can provoke outrage rather than acceptance, and what this story reveals about leadership, risk, and human behaviour today.

    AI-Generated Timestamped Summary
    00:00 – Introduction: a compliance failure in 1549
    01:00 – The train journey to Exeter
    02:00 – Discovering the rebellion
    04:00 – Why this is a human risk story
    05:15 – Introducing Professor Mark Stoyle
    07:30 – Setting the historical context
    10:00 – Power, authority, and instability
    13:30 – What triggered the rising
    17:00 – Why language change caused outrage
    22:00 – Early resistance and local incidents
    25:00 – The tipping point: violence begins
    29:00 – How the rebellion spreads
    33:00 – The siege of Exeter
    37:00 – How history is written by the victors
    41:00 – Crushing the rebellion
    45:00 – Cultural consequences and language loss
    48:00 – Lessons for today
    52:00 – Polarisation and modern parallels
    57:00 – Final reflections In this episode we discuss

    Key Topics
    Why imposed change can trigger resistance
    How small incidents escalate into major crises
    The role of identity, belief, and emotion in decision-making
    Why language and culture matter in compliance
    How authority can misjudge human behaviour
    The dangers of polarisation and “us vs them” thinking
    Why compromise becomes impossible in extreme positions
    How history is shaped by those who win
    The unintended consequences of leadership decisions
    What a 16th-century rebellion teaches us about modern risk
    Guest Profile
    Mark Stoyle is Professor of History at the University of Southampton. He specialises in Tudor rebellions, the English Civil War, and the history of witchcraft. Originally from Devon, his work on the Western Rising of 1549 draws on decades of research and a deep personal connection to the region where these events took place.

    Links
    The Western Rising of 1549, Mark's book - https://yalebooks.co.uk/book/9780300276886/the-western-rising-of-1549/

    Mark's University of Southampton profile page - https://www.southampton.ac.uk/people/5wyxqy/professor-mark-stoyle

    Mark's publisher profile: - https://www.worldturnedupsidedown.co.uk/team/mark-stoyle/
  • The Human Risk Podcast

    Jeffrey Ludlow on What A Sign Is...

    14/03/2026 | 1h 4 mins.
    What exactly is a sign?  At first glance, that might sound like a strange question. Signs are everywhere: telling us where to go, what to do, what not to do, and sometimes what might happen if we ignore instructions. But as my guest, Jeffrey Ludlow Saentz explains, signs are much more than bits of information on walls or beside roads.

    Episode Summary
    Jeffrey is a signage designer who works on complex buildings and environments around the world — airports, offices, museums, and other places where helping people find their way really matters. He’s also the author of A Sign Is..., a fascinating book exploring the history, meaning, and cultural significance of the signs that shape our everyday behaviour.

    In this conversation, we explore why good signage is often invisible, how buildings “speak” to us through wayfinding systems, and what signs reveal about power, trust, and human behaviour. Along the way we discuss hacked traffic signs, casino design, airport navigation, and why something as simple as an arrow carries centuries of history.

    AI-Generated Timestamped Summary
    00:00 – Introduction: why signs are more interesting than they first appear
    03:00 – How Jeffrey became a signage designer
    04:00 – The challenge of helping people navigate complex buildings
    07:00 – What actually is a sign?
    09:00 – Why “everything can be a sign”
    11:00 – The power dynamics behind signage and authority
    13:00 – How designers observe signage in the real world
    14:30 – Cultural differences in wayfinding and navigation
    19:30 – Why Jeffrey wrote A Sign Is..
    22:00 – The fascinating history of fire safety signage
    24:00 – Curiosity and the stories hidden behind everyday signs
    27:00 – Hacked construction signs and unexpected messages
    31:00 – Trust, authority, and information on signs
    35:00 – Advertising, nudging, and attention
    36:00 – Information overload and competing signals
    39:00 – The learned language of signs and symbols
    41:00 – Why good signage is “invisible” when it works
    43:00 – Airports, trust, and wayfinding design
    46:00 – How people become signage designers
    47:30 – How casinos, airports, and museums use signs differently
    50:00 – The psychology of navigation
    54:00 – Why signage can’t work perfectly for everyone
    57:00 – Why wayfinding is an art rather than a science
    01:02:00 – Jeffrey’s book A Sign Is and where to find it
    01:04:00 – What signs might look like in the future In this episode we discuss

    Key Topics
    Why signage is a form of behavioural communication
    How buildings “talk” to people through wayfinding systems
    The psychology of navigation and spatial awareness
    Why good signage is invisible
    How casinos deliberately make navigation harder
    Why museums minimise signs while airports maximise them
    The cultural differences in how places are navigated
    What hacked traffic signs reveal about trust in authority
    Why signs act as nudges that shape behaviour
    The limits of signage when designing for large groups
    How digital navigation may change our relationship with physical signs
    About Jeffrey
    Jeffrey Ludlow is a signage and wayfinding designer and founder of Point of Reference Studio, a design practice specialising in signage systems, environmental graphics, and branding for public environments. Trained as an architect, Jeffrey’s work sits at the intersection of architecture, graphic design, and behavioural psychology — helping people navigate complex spaces more intuitively. He is the author of A Sign Is, a book exploring the cultural, historical, and behavioural significance of the signs that surround us.

    Links
    Jeffrey's book 'A Sign Is...' - https://oroeditions.com/product/a-sign-is

    Point of Reference, the Madrid-based studio Jeffrey founded - https://pointofreference.studio/
  • The Human Risk Podcast

    Marc Ross on The Art of The Negroni

    07/03/2026 | 45 mins.
    What Can a Cocktail Teach Us About Curiosity and Creativity? At first glance, documenting Negronis around the world might sound like a frivolous hobby. But could a simple cocktail become a vehicle for curiosity, experimentation and creative thinking?
     
    On this episode, I speaks with geopolitical strategist Marc A Ross about an unusual passion project: ordering and documenting Negronis wherever he travels. What began as a casual habit has evolved into a magazine-style project called 50 Negronis, capturing cocktails from elegant bars to chaotic airport lounges. Along the way, the project has revealed something deeper about travel, culture and the value of experimentation.
     
    But as the conversation unfolds, it becomes clear this episode isn’t really about cocktails. Instead it’s about how curiosity leads to discovery, why creative side projects matter, and how experimentation can enrich both our professional and personal lives.
     
    Curiosity Starts With Small Experiments
    Marc’s Negroni project began almost accidentally. While travelling frequently for his work as a geopolitical strategist, he started ordering Negronis and photographing them. What made the idea interesting wasn’t a search for the perfect drink.

    Instead, Marc documented the entire experience — the great cocktails, the mediocre ones, and the truly terrible ones. That curiosity created a lens through which to experience the world differently. Bars became places for conversation, experimentation and discovery, and the project grew into a collection of stories from cities across the globe. 

    Creativity Through Play
    A key theme of the conversation is the importance of playfulness. Marc deliberately avoids treating the project too seriously. The photos are simple smartphone snapshots, the documentation is intentionally loose, and the goal isn’t perfection.

    That approach mirrors how many creative projects evolve; by removing the pressure to produce something “definitive,” the project becomes an experiment. And in the process, it becomes easier to create, learn and iterate. 

    Authenticity, Communication and Personality
    We also explore how side projects can sharpen professional skills. Marc argues that communicators, leaders and even politicians should experiment creatively and share aspects of their personality. Authenticity matters. Whether it’s documenting cocktails, running unconventional events, or experimenting with new formats, people connect more with ideas that feel genuine. Sometimes the most powerful way to communicate is simply to follow an idea that genuinely interests you.

    AI-Generated Timestamped Summary
    00:00 – A cocktail as a conversation starter
    Introduction; why Negronis might seem like an unusual topic for a podcast about human behaviour and yet…

    02:00 – Recording in Sundance, Utah
    Marc describes the Brigadoon gathering and its focus on conversation rather than traditional conference formats.

    04:00 – The origins of the Negroni
    Marc explains the history of the cocktail and why it remains a classic drink.

    07:00 – The “50 Negronis” project
    A disappointing airport Negroni sparks the idea of documenting the drinks Marc encounters while travelling.

    10:00 – Capturing cocktails around the world
    Marc explains how he photographs the drinks and records the ingredients when possible.

    13:00 – Cocktail culture and experimentation
    They discuss how bartenders experiment with ingredients and create new variations.

    18:00 – Why the details don’t matter
    The project becomes less about recipes and more about stories, places and experiences.

    22:00 – Learning through experimentation
    Christian reflects on how creative side projects can help people learn and explore new ideas.

    30:00 – Lessons for communicators and politicians
    Marc explains why authenticity and personality matter in leadership.

    37:00 – Staying curious and having fun
    The conversation turns to persistence, creativity and the value of pursuing ideas simply because they’re interesting.

    42:00 – Where to follow Marc’s work
    Marc shares details about Brigadoon events and his geopolitical newsletter.

    Links
    Caracal Global, Marc’s consultancy and advisory firm - https://www.caracal.global/

    Brigadoon, Marc’s series of lovingly curated events - https://www.brigadoon.live/

    Marc on LinkedIn - https://www.linkedin.com/in/marcaross/

    Marc’s previous appearance on the show - https://www.humanriskpodcast.com/marc-ross-on-communication-strategy/ 

    Sundance Mountain Resort - https://www.sundanceresort.com/
  • The Human Risk Podcast

    Tom & Sue Hardin On Wired On Wall Street

    28/02/2026 | 1h 15 mins.
    What’s the difference between a mistake… and a bad decision? My guest knows this only too well. Tom Hardin has been on the show several times before. As Tipper X, he wore a wire for the FBI and helped build the largest insider trading investigation in US history. 

    Since then, he has spent nearly a decade speaking to organisations around the world about slippery slopes, rationalisation, and how good people drift into serious trouble. In this episode, he returns to discuss his new book, Wired on Wall Street.

    The book goes beyond the insider trading case many listeners already know. It explores the ambition, insecurity and desire for status that shaped his early career, and the patterns he only recognised years later when writing it down. 

    For the first time on a podcast, Tom is also joined by his wife, Sue. She played no role in the trades that changed his life, but her life was dramatically altered by them. She reflects on discovering the truth, keeping a secret that wasn’t hers, facing sentencing uncertainty, and what it means to rebuild together. This conversation isn’t really about insider trading; it’s about character.

    Key Themes
    Why calling something a “mistake” can soften accountability
    The psychology of slippery slopes and rationalisation
    Status anxiety and the need to belong
    Resume virtues vs eulogy virtues
    Shame versus guilt — and why the distinction matters
    The hidden impact of ethical failure on spouses and families
    What writing a book can reveal that telling a story on stage cannot
    The freedom that comes from having nothing left to hide
    Tom’s story is unusual; the human dynamics behind it are not.

    AI-Generated Timestamped Summary
    00:00 – More than insider trading
    Why this conversation is about character — guilt vs shame, mistakes vs bad decisions, and the cost of ethical drift.

    02:30 – The story in brief
    Tom recaps becoming “Tipper X” and helping build the largest insider trading investigation in US history.

    03:15 – Why write the book now?
    After a decade of speaking, Tom explains what finally pushed him to put the full story — childhood, ambition, insecurity — on paper.

    08:00 – The deeper pattern
    From Georgia to the Ivy League to hedge funds: the outsider mindset, status anxiety, and the slippery slope.

    16:00 – Small decisions, big consequences
    Early corner-cutting, rationalisation, and the fraud triangle in action.

    26:00 – Resume virtues vs eulogy virtues
    How Tom’s definition of success changed — and the difference between shame and guilt.

    31:00 – A simple test for integrity
    One question that could replace most Codes of Conduct:
    Are you willing to be held accountable for this decision?

    Sue’s Perspective
    40:30 – The night she found out
    Shock, disbelief, and the future collapsing in an instant.

    44:00 – Keeping a secret that wasn’t hers
    White lies, reputational fear, and the strain of silence.

    49:00 – Sentencing day
    Why she insisted on being there — no matter the outcome.

    52:30 – Reinvention and resilience
    Stay-at-home dad years, ultramarathons, and rebuilding a life together.

    Links
    Wired on Wall Street: www.tipperx.com/book

    Tipper X Website: www.tipperx.com

    Tom's previous appearances on the show:
    Tom's experience as FBI Informant Tipper X - https://www.humanriskpodcast.com/tom-hardin-on-his-experience/
    Turning Crime Into A Calling - https://www.humanriskpodcast.com/tom-hardin-on-turning-a-crime-into-a-calling/

    Tom's Substack: https://substack.com/@tipperx

    Tom on LinkedIn: https://www.linkedin.com/in/tipperx/
  • The Human Risk Podcast

    Charlie Hurst, Tom Noble and Will Sudlow on Flat White or F*ck Off

    22/02/2026 | 1h 15 mins.
    What happens when someone runs with a business idea they've heard as a thought experiment on a podcast? Can a business have an expletive in its name? And is it possible to run a business that sells a single very specific product?

    Episode Summary
    On this episode, I’m joined by Charlie Hurst, Tom Noble and Will Sudlow — the founders of Flat White or F*ck Off*, a coffee brand inspired by a thought experiment by friend of the show,Rory Sutherland. The concept is simple: sell one thing — flat whites — and if you want something else… the answer’s in the name.
     
    ⚠️ *Given the name of the business, this episode contains a lot of swearing!

    Within four months of hearing the idea on Jamie Laing’s Great Company podcast, they’d banded together — having never met but being isnpired to give the business a go — built a brand, grown an audience of tens of thousands, and served 1,500 flat whites in a single day at a London pop-up.
     
    Most people would've treated Rory's idea as an interesting thought experiment. But Charlie, Tom and Will decided — with Rory's blessing — to actually build it.

    In an extended conversation, we explore what it means to:
    Build a brand before you have a product
    Grow an audience before you open a shop
    Share your financials publicly
    Deliberately polarise rather than please
    Discover why Charlie, Tom and Will spent £22,000 on a one-day loss-making pop-that served as a live experiment; part marketing, part proof of concept, part behavioural case study.

    We discuss why constraint can be liberating, why queues affect perceived quality, how social proof shapes demand, and why narrowing your audience can be more powerful than trying to attract everyone.

    This isn’t just a story about coffee. It’s about conviction, creative constraint and what happens when you deliberately ignore conventional business wisdom.

    Guest Bios Charlie Hurst
    Designer and brand builder. Charlie created the original visual identity for Flat White or F*ck Off after seeing Rory’s idea online.

    Tom Noble
    Entrepreneur and digital builder. Tom documented the entire journey in public, helping grow the brand’s audience before a single coffee was sold.

    Will Sudlow
    Co-founder of experiential agency The Impossible. Will brought production expertise to turn the idea into a large-scale pop-up event.

    AI-Generated Timestamped Summary
    00:00 – From Thought Experiment to Real Business: why this is more than a coffee story. 

    03:00 – Hearing Rory’s Idea: how Charlie, Tom and Will discovered the concept and decided to act on it.

    08:00 – Building in Public: growing an audience before having a physical product; documenting everything online.

    15:00 – One Product Only: why selling just flat whites is a strategic constraint — and a behavioural signal. 

    25:00 – The Pop-Up Experiment: erving 1,500 coffees in a day; spending £27,000 as a marketing investment.

    35:00 – Polarisation & Backlash: criticism, online sceptics and why not being for everyone is the point.

    50:00 – Perception, Queues & Behaviour: what they learned about speed, quality signals and social proof.

    01:05:00 – Risk, Conviction & Entrepreneurship: why building something in public is both terrifying and liberating.

    01:20:00 – What Happens Next: scaling, experimentation and staying true to the core idea.

    Links
    Rory on Jamie Laing’s Great Company podcast - https://shows.acast.com/great-company/episodes/rory-sutherland
     
    Flat White or F*ck Off - https://flatwhiteorfckoff.com/
    Instagram - https://www.instagram.com/flatwhiteorfckoff/
    TikTok - https://www.tiktok.com/@flatwhiteorfckoff/ 
    LinkedIn - https://www.linkedin.com/company/flat-white-or-fck-off/
     
    The co-founders
    Tom on LinkedIn - https://www.linkedin.com/in/thomasnoble1992/ Charlie on LinkedIn - https://www.linkedin.com/in/charlie-hurst-715364150/
    Will on LinkedIn - https://www.linkedin.com/in/willsudlow/
    Ask The Impossible - https://asktheimpossible.com/

    Rory's appearances on this show:
    https://www.humanriskpodcast.com/rory-sutherland-on-compliance/ https://www.humanriskpodcast.com/rory-sutherland-paul-craven-on-alchemy-magic/ https://www.humanriskpodcast.com/gerald-ashley-rory-sutherland/ https://www.humanriskpodcast.com/rory-sutherland-gerald-ashley-paul-craven-at-abbey-road-part-one/

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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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