Insurance Brokers embrace Business Intelligence to gain competitive advantage.

Size: px
Start display at page:

Download "Insurance Brokers embrace Business Intelligence to gain competitive advantage."

Transcription

1 Insurance Brkers embrace Business Intelligence t gain cmpetitive advantage. Authr: Máire Ryan McSherry, BA, FCII, LCOI, Chartered Insurance Practitiner Executive Summary Insurance brkers that harness technlgy are mre likely t survive as the business envirnment becmes mre cmpetitive 1 The challenges f the insurance brking cmmunity are well dcumented, nt least by the brking cmmunity itself. The mst cmmn challenge cited in the general insurance brking market is t meet r beat prduct fferings f direct prviders, particularly in the persnal lines market. The authr, with ver twenty years experience in the Irish brking market appreciates the nging challenge t meet the direct prviders head n, but is cncerned at the shrt sightedness f the brking cmmunity in expending t much energy in the Brker vs. Direct debate. 2 r, in the grundhg rute f arguing against the differential rates ffered by sme insurers t their direct arm vs. the brker channel. By maintaining an apparently cmbative attitude t the inevitable develpment f chice f channels fr custmers r in the planned technlgical advances f insurers targeting new channels, brkers are failing nt nly t recgnise ther market challenges but are als ignring ptential pprtunities fr cmpetitive advantage ver ther prviders, direct insurers and brkers alike. A significant challenge t brkers is the increased regulatry scrutiny frm the Central Bank. Retail intermediaries are rated as lw impact n the PRISM classificatins but must adhere t prescribed regulatins and n-line reprting rules. Operatinally, brkers must fllw the rules f the Cnsumer Prtectin Cde The Central Bank in 2013 advised f increased administrative sanctins fr prescribed cntraventins which culd, fr a serius cntraventin see a fine up t 10,000,000 impsed n a crprate bdy r up t 1,000,000 fr a natural persn. Fr mst brkers, a significant fine wuld effectively mean clsure f their business n%20prcedure%20-%202013%20-%20fr%20publica 1

2 Regulatry cmpliance within the retail intermediary industry will necessitate a further leap if the prpsals under Insurance Mediatin Directive (IMD2) cme t fruitin. 4 The mst cntrversial change which is expected t take effect in 2015 is the requirement fr mandatry disclsure t the plicyhlder f the nature and structure f cmmissin arrangements (subject t a five year transitinal perid fr nn-life prducts where such disclsure shall be n request ). Trade bdies, representing insurance brkers have argued that they will be placed at a disadvantage when cmpared with direct-selling insurers. Hwever the EU stresses that this is an imprtant step frward fr custmers t enable them make infrmed chices. It seems therefre that the IMD2 prpsed amendments will g ahead. The nly cnstant is change and a paradigm shift is required. Rather than seek answers r apprtin blame externally r embark n cstly advertising campaigns aimed t widely at an entire custmer base, brkers must re-evaluate their cre business. Brkers have at their fingertips databases f infrmatin enabling them, in an individual capacity, make decisins n their custmer base in terms f custmer prfile, prduct range, claims, lyalty, attritin rates, up-selling, crss-selling t mentin just a few. Running a firm n a trial and errr basis, hping that things imprve, that premium rates increase, that cmmissin rates will rise r that different results may ensue frm repeated, flawed actins based n guesstimates f figures quickly leads t business paralysis. Embracing a bespke business intelligence slutin, beynd the static reprting available in the pre-packaged IT brker mdels, enables a structured strategy f develpment t take place, leaving the ld fashined mdels t fllw sheep-like dwn the almst inevitable rute t extinctin. 4 2

3 Table f Cntents: 1. Intrductin 2. Wh are yur Custmers? 3. The Effectiveness f Existing Business Intelligence Systems 4. Regulatin 5. Cnclusin 6. Abut the Authr 1. Intrductin: Picture the scene at mnth end in a brker s ffice. s are issued t all staff advising them, nt t enter anything new n the system r t alter any figures as mnth end is abut t run. When the mnth end ends, figures are pred ver and filed. Imagine if the figures spke mre clearly, prvided a hlistic and cmprehensive view f where the firm was placed t meet its wn targets r t plan fr the next quarter? T ften, brkers are happy when the mnth end runs withut issue and start a new mnth edging twards yet anther mnth end and anther year end. Is there an alternative? Well yes, there is. 3

4 2. Wh are yur Custmers? As the changes in custmer expectatins reshape the key cmpetitive battlegrunds and business pprtunities within the industry, nearly 90% f insurance CEOs are planning t change their strategies fr managing custmer grwth, lyalty and retentin (nearly 40% are anticipating majr changes). Building the custmer base and imprving custmer service are the tp tw pririties fr investment. 5 Target yur custmers, nt the wrld. #brkersgdigital cnta.cc/kldf4 (reginal meetings t prmte business nline) Practive brkers and thse pssibly just fearful f being left behind have jined the scial media revlutin in terms f presence n sites such as Facebk r twitter. Blgs encurage traffic t brkers websites, with the aim f attracting ptential new custmers. Prfessinal bdies such as the IBA help in the prmtin f a brker s business nline. The IBA reginal meetings fr February 2014 have this tpic highlighted. 6 The questin is t what level this additinal channel is adding revenue and at what cst? Brkers can easily identify hw many fllwers r likes they have n scial media sites but d yu knw wh yur custmers are? The answer lies nt in the spreadsheet f names and addresses but in mining data t determine incme per plicyhlder, types f plicies purchased, hw ften they are purchased and the ptential pprtunity fr crss selling? The infrmatin allws a fcus n prduct fferings and als ffers sme prtectin fr brkers t ensure that best advice is ffered t meet ever tightening regulatry demands #brkersgdigital cnta.cc/kldf4 4

5 Withut knwing yur best custmers, yu can t effectively retain them, keep them lyal, r turn them int advcates and referrals fr yur cmpany. 3. The Effectiveness f Existing Business Intelligence Systems: Systems which are built using the traditinal platfrms, upgraded as required, prvide static reprting. A cmmn challenge experienced by Brkers is the cntinued duplicatin f entries n existing IT framewrks. This wastes supprt persnnel s time and can als cause unnecessary delay in servicing custmers, leading t frustratin. The presence f duplicate and/r different data fr the same custmer reduces the validity f the data extracted n reprts. The lack f crdinatin between systems can lead t custmers being lst in the mire r alternatively being verladed by duplicate mailsht attempts at a range f prducts, pssibly nt suited t them. Brkers traditinally purchase ne f the main insurance IT platfrms t meet their IT requirements. The delivery f infrmatin frm pre-built packages, despite significant investment is ften at variance t the expectatins f the end user. The emphasis n the BI systems was technlgy driven rather than cncentrating n the asset f infrmatin available. As a result, the technlgy in use enables lw quality data t be gathered and displayed in a segmented manner. Data verlad in static spreadsheets prvides little insight fr develpment f wrkable strategies. If yu dn t knw hw gd yur business intelligence is then ask yurself the fllwing Are yu able t quickly get answers t yur questins, i.e. is real time data available? Can staff access key infrmatin needed t serve custmers as efficiently and effectively as pssible? Are yu getting relevant infrmatin delivered t yu withut yu having t search fr it? D yu suffer frm data verlad and incnsistent waves f data with n lgical results? In these challenging times, business intelligence is what yu need t gain (and sustain) a cmpetitive advantage s dn t be afraid t review yur current BI capabilities. If yu are nt able t maximise the data available t yu t explit every pprtunity t increase sales then maybe it s time yu lked at imprving yur current system in a bid t create a fully integrated system that ffers a cmplete and accurate view f yur business in real time. 5

6 Sales - What infrmatin shuld yur BI prvide? Qutatins prvided per prduct line Cnversins achieved per prduct line Cnversins per accunt handler Plicy cunt per accunt handler Premium Incme per accunt handler Cmmissin and fee incme per accunt handler Claims statistics per insurer Sales vs. KPI s Sales vs. targets per prduct prducer Sales via nline platfrms (where applicable) vs. traditinal face t face sales Lapse rates per prduct line Lapse rates per prduct prducer Lapse rates per accunt handler Incme per transactin Incme per class f business Crss selling pprtunities Upselling success Grss written premium per prduct prducer Incme per prduct prducer Analysis f custmer prfiles Analysis f figures fr ptential prtfli transfer Claims analysis vs. GWP n bk f business Psitining BI in the rganisatinal structure By placing BI at heart f the rganisatin, it can feed all sectins in a chesive manner, encuraging crss team c-peratin and a cmprehensive, rganisatin wide analysis f perfrmance. Sales IT Business Intelligence Cmpliance Claims Finance /Strategy 6

7 4. Regulatin Brker firms are ften small businesses with persnnel dubling up t fill a variety f rles depending n business needs and resurces. The challenge f practively meeting regulatry requirements places nerus respnsibility n brkers. Their lw impact status des nt exclude them frm regulatry scrutiny. Time cnstraints can push regulatry needs t the end f the queue when preference can be given instead t generate much needed revenue. The prductin f reprts as shwn in the sample belw, helps a firm adhere t regulatry rules, but als acts as a valuable managerial tl fr prprietrs/directrs in terms f crprate management. Whether the wnerships is n a sle prprietr, partnership r limited cmpany basis, cntrl f the regulatry framewrk and ethical standards within a regulated firm lies at the tp f the rganisatin. Exceptin reprts tracking adherence t CPC rules fr rebates Exceptin reprts tracking adherence t Nn-Life Insurance (Prvisin f Infrmatin) (Renewal f plicy f Insurance) Regulatins Exceptins reprting fr brker fees falling utside Terms f Business agreements Cmplaints and errrs reprting /management Dashbard financials, key prviders, KPI management AML reprting 7 7

8 5. Cnclusin: The wrld f insurance brking is evlving and is faced with similar challenges t the retail sectr in terms f cmpetitin frm nline prviders. It is als faced with increased regulatin frm hme regulatrs and at a Eurpean level and its ability t target custmers is affected with advertising rules intrduced by the Central Bank t mre fully prtect custmers. When squeezed frm all sides, it is perhaps easier t maintain an utward fcus twards the external reasns fr difficulties rather than turn inwards and cncentrate n cre business data. Yet by fcusing its energies n its wn strengths including the analysis f accurate and cnsistent data, the brking industry can build new strategies fr survival and grwth, meeting new challenges head n. Abut the Authr: Máire Ryan McSherry wrks as Head f Cmpliance fr an Underwriting Agency and as Cmpliance Manager fr a grup f retail intermediaries in the Suth East f Ireland. Máire has 20 years experience in general insurance with rles including multi branch management f a retail intermediary, sales management and training and cmpliance rles. She als wrks in a cnsultancy capacity fr the Insurance Institute f Ireland as authr f updated cmpliance textbks and regulatry updates fr its web based learning platfrm. 8

Personal Data Security Breach Management Policy

Personal Data Security Breach Management Policy Persnal Data Security Breach Management Plicy 1.0 Purpse The Data Prtectin Acts 1988 and 2003 impse bligatins n data cntrllers in Western Care Assciatin t prcess persnal data entrusted t them in a manner

More information

2008 BA Insurance Systems Pty Ltd

2008 BA Insurance Systems Pty Ltd 2008 BA Insurance Systems Pty Ltd BAIS have been delivering insurance systems since 1993. Over the last 15 years, technlgy has mved at breakneck speed. BAIS has flurished in this here tday, gne tmrrw sftware

More information

The Importance of Market Research

The Importance of Market Research The Imprtance f Market Research 1. What is market research? Successful businesses have extensive knwledge f their custmers and their cmpetitrs. Market research is the prcess f gathering infrmatin which

More information

Financial advisory and taxation services in Australia

Financial advisory and taxation services in Australia Financial advisry and taxatin services in Australia CPA Australia The Institute f Chartered Accuntants in Australia The Natinal Institute f Accuntants Intrductin: Access t financial and tax advice Cnsumers

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

THE MICROFINANCE ASSOCIATION Training Programme London, UK

THE MICROFINANCE ASSOCIATION Training Programme London, UK THE MICROFINANCE ASSOCIATION Training Prgramme 2016 Lndn, UK The Micrfinance Asscatin, Science and Innvatin Centre, NUCLEUS Brunel Way, DA1 5GA, United Kingdm Tel: +44 (0) 1322 312078 ade@micrfinanceaassciatin.rg

More information

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight.

- Upfront fee of $ + GST - Ongoing fee commencing immediately after plan implementation of $20.00 + GST per fortnight. Cntract f engagement This cntract f engagement is between FSB 4 Financial Limited (the adviser) and (the client). Purpse This cntract establishes the relatinship between the adviser and the client relating

More information

Data Protection Act Data security breach management

Data Protection Act Data security breach management Data Prtectin Act Data security breach management The seventh data prtectin principle requires that rganisatins prcessing persnal data take apprpriate measures against unauthrised r unlawful prcessing

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

Table of Contents. This document is for informational purposes only. MICROSOFT MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY.

Table of Contents. This document is for informational purposes only. MICROSOFT MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY. Table f Cntents Tp Pricing and Licensing Questins... 2 Why shuld custmers be excited abut Micrsft SQL Server 2012?... 2 What are the mst significant changes t the pricing and licensing fr SQL Server?...

More information

MANITOBA SECURITIES COMMISSION STRATEGIC PLAN 2013-2016

MANITOBA SECURITIES COMMISSION STRATEGIC PLAN 2013-2016 MANITOBA SECURITIES COMMISSION STRATEGIC PLAN 2013-2016 The Manitba Securities Cmmissin (the Cmmissin) is a divisin f the Manitba Financial Services Agency (MFSA). The ther divisin is the Financial Institutins

More information

This report provides Members with an update on of the financial performance of the Corporation s managed IS service contract with Agilisys Ltd.

This report provides Members with an update on of the financial performance of the Corporation s managed IS service contract with Agilisys Ltd. Cmmittee: Date(s): Infrmatin Systems Sub Cmmittee 11 th March 2015 Subject: Agilisys Managed Service Financial Reprt Reprt f: Chamberlain Summary Public Fr Infrmatin This reprt prvides Members with an

More information

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy WHAT YOU NEED TO KNOW ABOUT Prtecting yur Privacy YOUR PRIVACY IS OUR PRIORITY Credit unins have a histry f respecting the privacy f ur members and custmers. Yur Bard f Directrs has adpted the Credit Unin

More information

electronic newsletter templates and the communication portal for promoting various products and services.

electronic newsletter templates and the communication portal for promoting various products and services. February 2013 GENERIC ESTATES SPONSORSHIP PROPOSAL T Whm it may Cncern: GLOVent Slutins is pleased t prvide yu with a prpsal fr spnsrship n ur Estate Electrnic- Newsletters and Cmmunicatin Prtal as detailed

More information

Google Adwords Pay Per Click Checklist

Google Adwords Pay Per Click Checklist Ggle Adwrds Pay Per Click Checklist This checklist summarizes all the different things that need t be setup t prperly ptimize Ggle Adwrds t get the best results. This includes items that are required fr

More information

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15 AMWA Chapter Subgrups n LinkedIn Guidance fr Subgrup Managers and Chapter Leaders, updated 2-12-15 1. Chapters may nt have an independent grup n LinkedIn, Facebk, r ther scial netwrking site. AMWA prvides

More information

Contact: Monique Goyens directorsoffice@beuc.eu

Contact: Monique Goyens directorsoffice@beuc.eu Cmparisn Websites Cntact: Mnique Gyens directrsffice@beuc.eu Ref.: X/2012/065-28/08/2012 BUREAU EUROPÉEN DES UNIONS DE CONSOMMATEURS AISBL DER EUROPÄISCHE VERBRAUCHERVERBAND Rue d Arln 80, B-1040 Brussels

More information

Pilot Learning Group. Round Table Action Learning Session 1: Models of partnership working

Pilot Learning Group. Round Table Action Learning Session 1: Models of partnership working Pilt Learning Grup Rund Table Actin Learning Sessin 1: Mdels f partnership wrking Intrductin The Academy fr Justice (AJC) pilt learning grup was established fllwing a requirement t develp Learning Grups

More information

In-House Counsel Day Priorities for 2012. Cloud Computing the benefits, potential risks and security for the future

In-House Counsel Day Priorities for 2012. Cloud Computing the benefits, potential risks and security for the future In-Huse Cunsel Day Pririties fr 2012 Clud Cmputing the benefits, ptential risks and security fr the future Presented by David Richardsn Thursday 1 March 2012 WIN: What in-huse lawyers need Knwledge, supprt

More information

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services.

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services. Paying fr Early Childhd Interventin Services What is ECI? Texas Early Childhd Interventin (ECI) prgrams serve families with children birth t 36 mnths with develpmental delays r disabilities. ECI prvides

More information

TO: Chief Executive Officers of all National Banks, Department and Division Heads, and all Examining Personnel

TO: Chief Executive Officers of all National Banks, Department and Division Heads, and all Examining Personnel AL 96-7 Subject: Credit Card Preapprved Slicitatins TO: Chief Executive Officers f all Natinal Banks, Department and Divisin Heads, and all Examining Persnnel PURPOSE The purpse f this advisry letter is

More information

Business Plan 2014-15

Business Plan 2014-15 Cmmissin fr Lcal Administratin in England Business Plan 2014-15 All Business Plan activity is linked t ur fur Strategic Objectives LGO Business Plan 2014-2015 v web 3 Page 1 descriptin 1. Prvide a cmplaints

More information

What broader insights would you want to explore first to answer the CEO s questions?

What broader insights would you want to explore first to answer the CEO s questions? Setup The CEO f a majr client has requested a shrt-term study examining a small part f the client s prduct prtfli. The cmpany has a small divisin that manufactures autmatic drip cffeemakers fr the US and

More information

The actions discussed below in this Appendix assume that the firm has already taken three foundation steps:

The actions discussed below in this Appendix assume that the firm has already taken three foundation steps: MAKING YOUR MARK 6.1 Gd Practice This sectin presents an example f gd practice fr firms executing plans t enter the resurces sectr supply chain fr the first time, r fr thse firms already in the supply

More information

WSI White Paper. Prepared by: Feras Alhlou Web Analytics Expert, WSI

WSI White Paper. Prepared by: Feras Alhlou Web Analytics Expert, WSI Optimize Yur Marketing Dllars During The Recessin WSI White Paper Prepared by: Feras Alhlu Web Analytics Expert, WSI Intrductin We have heard it many times, an ld management and marketing saying: Yu Can

More information

Research Report. Abstract: The Emerging Intersection Between Big Data and Security Analytics. November 2012

Research Report. Abstract: The Emerging Intersection Between Big Data and Security Analytics. November 2012 Research Reprt Abstract: The Emerging Intersectin Between Big Data and Security Analytics By Jn Oltsik, Senir Principal Analyst With Jennifer Gahm Nvember 2012 2012 by The Enterprise Strategy Grup, Inc.

More information

Handling professional conduct complaints against doctors

Handling professional conduct complaints against doctors Handling prfessinal cnduct cmplaints against dctrs Handling prfessinal cnduct cmplaints against dctrs Handling prfessinal cnduct cmplaints against dctrs Avant supprts: à a natinally cnsistent apprach t

More information

DIGITAL MARKETING STRATEGY CHECKLIST

DIGITAL MARKETING STRATEGY CHECKLIST DIGITAL MARKETING STRATEGY CHECKLIST [CAMPAIGN NAME HERE] 1. SET CAMPAIGN GOALS What is yur mtivatin fr running this campaign? (e.g. sell 20,000 wrth f gift vuchers in x number f mnths) Are yur gals SMART?

More information

The Advisor Lab, LLC www.theadvisorlab.com Bay Point Financial, LLC www. bayptfin.com. www. bayptfin.com www.theadvisorlab.com.

The Advisor Lab, LLC www.theadvisorlab.com Bay Point Financial, LLC www. bayptfin.com. www. bayptfin.com www.theadvisorlab.com. The Advisr Lab, LLC www.theadvisrlab.cm Bay Pint Financial, LLC www. bayptfin.cm Page 2 Histry The clsing f the Studebaker autmbile plant in Suth Bend, Indiana, is generally regarded as the pivtal event

More information

Change Management Process

Change Management Process Change Management Prcess B1.10 Change Management Prcess 1. Intrductin This plicy utlines [Yur Cmpany] s apprach t managing change within the rganisatin. All changes in strategy, activities and prcesses

More information

RDR : Remuneration for financial planning

RDR : Remuneration for financial planning RDR : Remuneratin fr financial planning The prpsals fr intermediary remuneratin fcus n achieving greater clarity in terms f the types f activities which make up advice, intermediatin and utsurced services

More information

Travel Insurance. Is your insurance company listening to you? Handbook on

Travel Insurance. Is your insurance company listening to you? Handbook on Is yur insurance cmpany listening t yu? If yur cmplaints have nt been addressed by yur insurance cmpany, please cntact t register yur cmplaints and track their status r yu may email us at cmplaints@irda.gv.in

More information

Policy on Free and Open-source Software. Government Policy of Iceland

Policy on Free and Open-source Software. Government Policy of Iceland Plicy n Free and Open-surce Sftware Gvernment Plicy f Iceland Prime Minister s Office December 2007 Intrductin Free and pen-surce sftware is sftware based n a surce cde which the authrs chse t make public

More information

MONTHLY PREMIUM OPTIONS

MONTHLY PREMIUM OPTIONS GROUP FUNERAL SCHEME BROKERS FSP35033 TEL: (021) 919 1861 VOX: 087 808 3007 FAX: (021) 9195072 / 086 628 0359 Email: inf@insurancepartners.c.za Web: www.insurancepartners.c.za Up t R20000 fr all persns

More information

366 Degrees Gaining Extra Degrees of Success

366 Degrees Gaining Extra Degrees of Success 366 Degrees Gaining Extra Degrees f Success In the rush t gain new custmers, cmpanies ften verlk their best custmers the nes they already have. While finding and attracting new custmers is certainly fundamental

More information

Process Improvement Center of Excellence Service Proposal Recommendation. Operational Oversight Committee Report Submission

Process Improvement Center of Excellence Service Proposal Recommendation. Operational Oversight Committee Report Submission Prcess Imprvement Center f Excellence Service Prpsal Recmmendatin Operatinal Oversight Cmmittee Reprt Submissin INTRODUCTION This Prpsal prvides initial infrmatin regarding a pssible additin t a service.

More information

Executive Summary. ERISA allows for the Delegation of Fiduciary Responsibility to independent investment professionals. www.theadvisorlab.com.

Executive Summary. ERISA allows for the Delegation of Fiduciary Responsibility to independent investment professionals. www.theadvisorlab.com. Page 2 ERISA allws fr the Delegatin f Fiduciary Respnsibility t independent investment prfessinals. Executive Summary Many wners/executives f businesses that spnsr 401(k) plans dn t have the faintest idea

More information

Municipal Advisor Registration

Municipal Advisor Registration FACT SHEET Municipal Advisr Registratin SEC Open Meeting Sept. 18, 2013 The Securities and Exchange Cmmissin tday will cnsider whether t adpt a rule that wuld establish a permanent registratin regime fr

More information

CRM and Social Media: Maximizing Deeper Customer Relationships

CRM and Social Media: Maximizing Deeper Customer Relationships Seattle Office: 2211 Ellitt Avenue Suite 200 Seattle, Washingtn, 98121 seattle@avanade.cm www.avanade.cm A glbal IT cnsultancy dedicated t using the Micrsft platfrm t help enterprises achieve prfitable

More information

Research Report. Abstract: Security Management and Operations: Changes on the Horizon. July 2012

Research Report. Abstract: Security Management and Operations: Changes on the Horizon. July 2012 Research Reprt Abstract: Security Management and Operatins: Changes n the Hrizn By Jn Oltsik, Senir Principal Analyst With Kristine Ka and Jennifer Gahm July 2012 2012, The Enterprise Strategy Grup, Inc.

More information

CHASE: YOUR RESOURCE FOR ALL YOUR FINANCIAL NEEDS

CHASE: YOUR RESOURCE FOR ALL YOUR FINANCIAL NEEDS CHASE: YOUR RESOURCE FOR ALL YOUR FINANCIAL NEEDS I lst tw dealerships when my manufacturer ended my franchise in 2009. Chase was the ONLY bank t help me get back in the game. Nt nly did they prvide me

More information

Getting Started Guide

Getting Started Guide AnswerDash Resurces http://answerdash.cm Cntextual help fr sales and supprt Getting Started Guide AnswerDash is cmmitted t helping yu achieve yur larger business gals. The utlined pre-launch cnsideratins

More information

Professional Leaders/Specialists

Professional Leaders/Specialists Psitin Prfile Psitin Lcatin Reprting t Jb family Band BI/Infrmatin Manager Wellingtn Prfessinal Leaders/Specialists Band I Date February 2013 1. POSITION PURPOSE The purpse f this psitin is t: Lead and

More information

Bakersfield College Program Review Annual Update

Bakersfield College Program Review Annual Update Bakersfield Cllege Prgram Review Annual Update I. Prgram Infrmatin: Prgram Name: Prgram Type: Instructinal Nn Instructinal Prgram Missin Statement: The missin f the Bakersfield Cllege Human Services Prgram

More information

Equal Pay Audit 2014 Summary

Equal Pay Audit 2014 Summary Equal Pay Audit 2014 Summary Abut the dcument The fllwing summary is an abridged versin f Ofcm s equal pay audit 2014. In the full versin f the reprt we set ut ur key findings, cmment n any issues arising

More information

Please rate the statements below from 1 5 based on whether you agree or disagree.

Please rate the statements below from 1 5 based on whether you agree or disagree. Academics Please rate the statements belw frm 1 5 based n whether yu agree r disagree. 1. I believe Niagara Falls public schls d a gd jb preparing students t be successful. 2. During the past 3 years,

More information

Do you have little or no incentive to enhance your agents listings online because there is no clear way to track the results or measure payback?

Do you have little or no incentive to enhance your agents listings online because there is no clear way to track the results or measure payback? Rapid Respnse Real Estate Turning Clicks int Clsings! Des this Sund Familiar? Are yur Internet leads ging unanswered by yur agents? Is this negatively affecting yur brand? And are yur cmpetitrs reaping

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

Internet and E-Mail Policy User s Guide

Internet and E-Mail Policy User s Guide Internet and E-Mail Plicy User s Guide Versin 2.2 supprting partnership in mental health Internet and E-Mail Plicy User s Guide Ver. 2.2-1/5 Intrductin Health and Scial Care requires a great deal f cmmunicatin

More information

DALBAR Due Diligence: Trust, but Verify

DALBAR Due Diligence: Trust, but Verify BEST INTEREST INVESTMENT RECOMMENDATIONS Advisr Rle under Best Interest Regulatins January 27, 2016 In the era when the cntractual bligatin is t act in the client s best interest, investment decisins can

More information

SUPPLY MARKET ANALYSIS. Guidance Note General 2

SUPPLY MARKET ANALYSIS. Guidance Note General 2 SUPPLY MARKET ANALYSIS Guidance Nte General 2 1 Effective and efficient prcurement plicies, prcedures and practices in cntracting authrities can have a significant impact n btaining value fr mney in the

More information

Mobile Telecom Expense Management

Mobile Telecom Expense Management Mbile Telecm Expense Management Quick Start Mbile Telecm Expense Management Intrductin The BT Mbile Telecm Expense Management Quick Start Service is part BT Managed Mbility Expenses* BT s suite f telecm

More information

Service Management - Framework 2013

Service Management - Framework 2013 Service - Framewrk 2013 Getting Started Right with Service System Netwrk Firewall Sftware Service App With the right framewrk, enterprises f almst any size small t large can implement effective functinal

More information

Implementing an electronic document and records management system using SharePoint 7

Implementing an electronic document and records management system using SharePoint 7 Reprt title Agenda item Implementing an electrnic dcument and recrds management system using SharePint 7 Meeting Finance, Prcurement & Prperty Cmmittee 16 June 2008 Date Reprt by Dcument Number Head f

More information

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr. Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).

More information

PROMOTING THE USE OF VIDEO CONFERENCING. How to get the absolute best from Video Conferencing by encouraging and increasing usage.

PROMOTING THE USE OF VIDEO CONFERENCING. How to get the absolute best from Video Conferencing by encouraging and increasing usage. PROMOTING THE USE OF VIDEO CONFERENCING Hw t get the abslute best frm Vide Cnferencing by encuraging and increasing usage. A LITTLE BIT OF ENCOURAGEMENT GOES A LONG WAY Having invested in Vide Cnferencing

More information

CHECKING ACCOUNTS AND ATM TRANSACTIONS

CHECKING ACCOUNTS AND ATM TRANSACTIONS 1 Grades 6-8 Lessn 1 CHECKING ACCOUNTS AND ATM TRANSACTIONS Tpic t Teach: This lessn is intended fr middle schl students in sixth thrugh eighth grades during a frty minute time perid. The lessn teaches

More information

Advertising, Media, & PR Website Design and Online Marketing Agency SEO Services PPC Marketing Email Marketing

Advertising, Media, & PR Website Design and Online Marketing Agency SEO Services PPC Marketing Email Marketing Advertising, Media, & PR Website Design and Online Marketing Agency SEO Services PPC Marketing Email Marketing We're passinate abut advertising, media, marketing and nline marketing and deliver award winning

More information

Getting Followers to Follow After a Sale

Getting Followers to Follow After a Sale Getting Fllwers t Fllw After a Sale 12 December 2014 Overview Scial media is a phenmenn that is gaining mmentum in ppularity by the day. Scial media prviders (SMPs) prvide services that allw users t interact

More information

CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT

CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT Plicy Number: 2.20 1. Authrity Lcal Gvernment Act 2009 Lcal Gvernment Regulatin 2012 AS/NZS ISO 31000-2009 Risk Management Principles

More information

Accountants and Consulting Professional Liability Program. You have the best coverage. Disciplinary Proceedings. Subpoena Expenses

Accountants and Consulting Professional Liability Program. You have the best coverage. Disciplinary Proceedings. Subpoena Expenses Accuntants and Cnsulting Prfessinal Liability Prgram Yu have the best cverage Fr mre than a dzen years, CPAGld has strived t be the mst innvative and frward thinking prfessinal liability insurance prgram

More information

UC4 AUTOMATED VIRTUALIZATION Intelligent Service Automation for Physical and Virtual Environments

UC4 AUTOMATED VIRTUALIZATION Intelligent Service Automation for Physical and Virtual Environments Fr mre infrmatin abut UC4 prducts please visit www.uc4.cm. UC4 AUTOMATED VIRTUALIZATION Intelligent Service Autmatin fr Physical and Virtual Envirnments Intrductin This whitepaper describes hw the UC4

More information

Drive More Revenue with Facebook Advertising

Drive More Revenue with Facebook Advertising Drive Mre Revenue with Facebk Advertising 1 Hw T Create Tp-Perfrming Facebk Ads What began as a scial netwrk fr Harvard students in 2004 and sn spread t cllege campuses acrss the cuntry is nw the biggest

More information

COE: Hybrid Course Request for Proposals. The goals of the College of Education Hybrid Course Funding Program are:

COE: Hybrid Course Request for Proposals. The goals of the College of Education Hybrid Course Funding Program are: COE: Hybrid Curse Request fr Prpsals The gals f the Cllege f Educatin Hybrid Curse Funding Prgram are: T supprt the develpment f effective, high-quality instructin that meets the needs and expectatins

More information

Competitive Intelligence Report - Market Snapshot Explanations of Numbers Suggestions and Tips

Competitive Intelligence Report - Market Snapshot Explanations of Numbers Suggestions and Tips Cmpetitive Intelligence Reprt - Market Snapsht Explanatins f Numbers Suggestins and Tips The infrmatin cntained in the tw sectins f the Cmpetitive Intelligence Reprt fr each gegraphic regin is f the highest

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Export Market Expansion Strategies. Rabi-I, 1427 (April, 2006)

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Export Market Expansion Strategies. Rabi-I, 1427 (April, 2006) Marketing Cnsultancy Divisin (MCD) Exprt Cnsultancy Unit (ECU) Exprt in Fcus Exprt Market Expansin Strategies Rabi-I, 1427 (April, 2006) 1 Exprt Market Expansin Strategies Intrductin It is clear that glbalizatin

More information

What Does Specialty Own Occupation Really Mean?

What Does Specialty Own Occupation Really Mean? What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin

More information

Copernicus & Big Data: A Perspective from the European EO Services Industry. Geoff Sawyer: EARSC Secretary General

Copernicus & Big Data: A Perspective from the European EO Services Industry. Geoff Sawyer: EARSC Secretary General Cpernicus & Big Data: A Perspective frm the Eurpean EO Services Industry. Geff Sawyer: EARSC Secretary General What is EARSC? EARSC is a trade assciatin (NPO), funded in 1989, which represents cmpanies:

More information

Patient Participation Report

Patient Participation Report Patient Participatin Reprt In 2011, Westngrve Partnership decided t establish a PPG (Patient Participatin Grup) that wuld allw us t engage with ur patients, receive feedback frm them and ensure that they

More information

Communications Campaign Manager (15 Months Fixed Term Contract) Grade 4

Communications Campaign Manager (15 Months Fixed Term Contract) Grade 4 Cmmunicatins Campaign Manager (15 Mnths Fixed Term Cntract) Grade 4 Jb descriptin Jb title: Divisin: Cmmunicatins Campaign Manger Marketing Date: August 2015 Reprting t: Main cntacts: Marketing Manager

More information

Internet and Social Media Solicitations: Wise Giving Tips

Internet and Social Media Solicitations: Wise Giving Tips Internet and Scial Media Slicitatins: Wise Giving Tips Charities use a wide variety f methds t slicit charitable dnatins. New and pwerful technlgies utilize nt just the internet and email, but als scial

More information

White Paper on Business Process Outsourcing in Automotive Industry

White Paper on Business Process Outsourcing in Automotive Industry White Paper n Business Prcess Outsurcing in Autmtive Industry Intrductin As autmtive industry is stepping int a market landscape which is favrable t it, there is untapped market ptential which is critically

More information

WHITE PAPER. Vendor Managed Inventory (VMI) is Not Just for A Items

WHITE PAPER. Vendor Managed Inventory (VMI) is Not Just for A Items WHITE PAPER Vendr Managed Inventry (VMI) is Nt Just fr A Items Why it s Critical fr Plumbing Manufacturers t als Manage Whlesalers B & C Items Executive Summary Prven Results fr VMI-managed SKUs*: Stck-uts

More information

What can Event Assured do for associations & charities?

What can Event Assured do for associations & charities? What can Event Assured d fr assciatins & charities? Specialist insurance services fr assciatins & charities Yur event, ur risk We have been wrking with event rganisers ver three decades Our clse relatinship

More information

Corporate Standards for data quality and the collation of data for external presentation

Corporate Standards for data quality and the collation of data for external presentation The University f Kent Crprate Standards fr data quality and the cllatin f data fr external presentatin This paper intrduces a set f standards with the aim f safeguarding the University s psitin in published

More information

QBT - Making business travel simple

QBT - Making business travel simple QBT - Making business travel simple In business travel, cmplexity csts. S, we ffer less f it. We adpt the latest technlgy and make it simple, transparent and highly persnal. S yu get mre f what yu need

More information

The Millionaire Real Estate Agent (MREA) Book Club Guide

The Millionaire Real Estate Agent (MREA) Book Club Guide The Millinaire Real Estate Agent (MREA) Bk Club Guide An MREA bk club is a great way fr agents t strengthen their skills and understanding f The Millinaire Real Estate Agent in a mastermind-type envirnment.

More information

Process Automation With VMware

Process Automation With VMware Prcess Autmatin With VMware Intelligent Service Autmatin fr Real and Virtual Envirnments Intrductin This Whitepaper describes hw the UC4 platfrm integrates with the VMware vsphere Server and the VMware

More information

Draft for consultation

Draft for consultation Draft fr cnsultatin Draft Cde f Practice n discipline and grievance May 2008 Further infrmatin is available frm www.acas.rg.uk CONSULTATION ON REVISED ACAS CODE OF PRACTICE ON DISCIPLINE AND GRIEVANCE

More information

Conversations of Performance Management

Conversations of Performance Management Cnversatins f Perfrmance Management Perfrmance Management at Ohi State The Secnd Cnversatin ~ Develpment 2011 The Ohi State University Office f Human Resurces Cntents Intrductin Welcme t Develping Emplyees...

More information

How to Address Key Selection Criteria

How to Address Key Selection Criteria Hw t Address Key Selectin Criteria Yu've seen an jb pprtunity that yu're interested in, n a jbs bard r in the press and want t apply, but where d yu start? A key requirement fr jbs in Gvernment is t respnd

More information

Contract Risk Management

Contract Risk Management Cntract Risk Management A Practical Apprach frm The Caridn Academy telephne +27 82 651 8897 facsimile +27 86 674 3384 email inf@caridn.net website www.caridn.za.net 1 1 Over-expenditure, fr example thrugh

More information

Duration of job. Context and environment: (e.g. dept description, region description, organogram)

Duration of job. Context and environment: (e.g. dept description, region description, organogram) Rle Prfile Jb Descriptin Jb Title Ref n: Prgramme Manager, Services fr Internatinal Educatin Marketing Directrate r Regin East Asia Department/Cuntry Indnesia Lcatin f pst Jakarta Pay Band G Reprts t Senir

More information

Atom Insight Business Solution Bundles www.atominsight.com

Atom Insight Business Solution Bundles www.atominsight.com Atm Insight Business Slutin Bundles V1.1 Feb 2011 CONTENTS Figures... 2 Abstract... 3 Capability stages... 4 Capability levels... 6 Imprving capabilities walking befre yu run... 7 Shrt term targeted slutins...

More information

CREDIT REPORTING USER GUIDE

CREDIT REPORTING USER GUIDE Suthwest Business Credit Services, User Guide CREDIT REPORTING USER GUIDE Last Mdified: 5/6/14 Last Mdified: 5/6/14 1 Suthwest Business Credit Services, User Guide Table f Cntents Intrductin... 3 Hw T

More information

Gartner Magic Quadrant Salesforce Automation 2009

Gartner Magic Quadrant Salesforce Automation 2009 Gartner Magic Quadrant Salesfrce Autmatin 2009 Sage CRM Slutins Opinin Brief Released July 24, 2009 Q. What is the Gartner Magic Quadrant (GMQ) fr SFA? A. The Gartner Magic Quadrant fr SFA is an analyst

More information

Amazon Marketing Services Content Policies and Standards

Amazon Marketing Services Content Policies and Standards Amazn Marketing Services Cntent Plicies and Standards Cntents Intrductin... 2 Acceptance f Creative Assets... 2 General Creative Plicies... 3 Reprting Abuse... 3 Cnsequences fr Vilatins... 3 Image Guidelines...

More information

The New Art of the Marketer

The New Art of the Marketer The New Art f the Marketer Delivering Grwth by Leveraging the Untapped Cnnectin Between Relatinships & Data Rishi Dave Chief Marketing Officer The New Art f the Marketer The New Art f the Marketer Here

More information

CCPRF. Request for Proposals. Monitoring Services. November 25, 2009

CCPRF. Request for Proposals. Monitoring Services. November 25, 2009 CCPRF Request fr Prpsals Mnitring Services Nvember 25, 2009 Table f Cntents SECTION I... 1 1.1 INTRODUCTION AND OPPORTUNITY... 1 1.2 OBJECTIVES OF RFP... 1 1.3 STATEMENT OF WORK... 1 SECTION II... 2 2.1

More information

australian nursing federation

australian nursing federation australian nursing federatin Submissin t the public cnsultatin n the Nursing and Midwifery Bard f Australia draft Guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners

More information

Legal Services Act: New forms of practice and regulation

Legal Services Act: New forms of practice and regulation Legal Services Act: New frms f practice and regulatin Cnsultatin paper 16 Better regulatin: A new apprach t regulating legal services firms and slicitrs 6/1/2009 Page 1 f 12 www.sra.rg.uk Cntents Intrductin...3

More information

The Importance Advanced Data Collection System Maintenance. Berry Drijsen Global Service Business Manager. knowledge to shape your future

The Importance Advanced Data Collection System Maintenance. Berry Drijsen Global Service Business Manager. knowledge to shape your future The Imprtance Advanced Data Cllectin System Maintenance Berry Drijsen Glbal Service Business Manager WHITE PAPER knwledge t shape yur future The Imprtance Advanced Data Cllectin System Maintenance Cntents

More information

Operating as an S corporation may be wise for several reasons:

Operating as an S corporation may be wise for several reasons: S Crpratin Facts S crpratins are similar t LLCs in that they prvide wners with limited liability prtectin while ffering the tax structure f a partnership. Many entrepreneurs have tw gals when chsing a

More information

Tabcorp Wagering Manager (Vic) Pty Ltd & TAB Limited Applications for Authorisation A91419 A91424

Tabcorp Wagering Manager (Vic) Pty Ltd & TAB Limited Applications for Authorisation A91419 A91424 Restrictin f Publicatin f Part Claimed 16 July 2014 Dr Richard Chadwick General Manager, Adjudicatin Branch Australian Cmpetitin & Cnsumer Cmmissin 23 Marcus Clarke Street CANBERRA ACT 2601 By email: richard.chadwick@accc.gv.au

More information

Briefing 4 Inquests and the disclosure of information to the coroner

Briefing 4 Inquests and the disclosure of information to the coroner briefing February 2013 The Francis Reprt Briefing 4 Inquests and the disclsure f infrmatin t the crner Key chapters Key recmmendatins 2, 11, 14, 22 274, 45, 273, 282, 283, 17 There is a requirement nt

More information

Usability and Website Design. Aaron Ruggiero. When designing websites, users should be the main focus throughout the

Usability and Website Design. Aaron Ruggiero. When designing websites, users should be the main focus throughout the Usability and Website Design Aarn Ruggier When designing websites, users shuld be the main fcus thrughut the website design prcess. When an expert designs a website their creatin will seem simple t them.

More information

Getting Started Guide

Getting Started Guide Getting Started Guide AnswerDash is cmmitted t helping yu achieve yur larger business gals. The utlined pre-launch cnsideratins are key t setting up yur implementatin s yu can make pwerful imprvements

More information