Licensed Agent in the state of Pennsylvania on the lines of Health, Accident, Life and Fixed Annuities*Interview prospective clients to understand their unique financial and physical situation, needs and existing coverage*Discuss products that will protect client assets from identified risks as well as build a nest egg legacy*Customize insurance and annuity products to individual client needs, often covering a variety of risks and financial situations

Attending Networking Events Researching Industry LeadersTracking Industry TrendsParticipating in Industry Discussions

Independent ConsultantIndependent consultant in the financial services and banking industry helping clients determine their compliance levels with regulatory changes (e.g. Dodd-Frank).

1) Project requirements scopingInterview stakeholders to document leadership's vision, user expectations and IT requirements2) Change ManagementEXAMPLE: Service department has high open ticket levels with 90% aged well beyond 24hr service metric; Recurring errors; Low morale; Complaints from customers and internal departmentsRESULTS: Reduced department throughput time 30% and inter-departmental complaints 75%; 33% reduction in “follow-up” calls; Achieved team “buy-in” and dramatic team morale improvementANALYSIS:*Interviewed personnel; Documented process segment time/resources needed as well as challenges and opportunities for improvement*Discussed findings with leadership; Met with other departments to understand and improve broader process implications*Process mapped and bench-marked each segment; Identified and corrected input/process/output issues(Lean, Six Sigma)*Implemented approved high-level changes as well as many team member suggestions achieving “buy-in” from team members via cooperative change management3) Process analysisEXAMPLE: Medical university focused on attrition costsFINDINGS: 35% of USMLE dropouts never failed a course; This equates to a 29% loss of revenue and an overlooked priority that will generate a high ROI if targeted by Academic Assistance(AA)ANALYSIS:*First semester to USMLE dropout ratio is 4:3*Post-USMLE profit margin rises 250% with 82% of total tuition profit margin coming from post-USMLE rotations*AA only targets students who fail a class; 35% of USMLE dropouts never failed a class and thus were never targeted by AA4) Business analysis; strategic goals and strategy developmentEXAMPLE: Demand Planning Workshop for global corporation; Goal is creation of a set of global business practices that can be leveraged throughout demand planning activities. Led creation of documents(e.g. flow charts, process maps) via a series of whole/breakout group sessions; Gap Analysis showed actions required to implement vision

As General Manager, I was expected to be on top of all corporate issues. Additional responsibilities above and beyond Business Manager (see below) included direct handling of key clients, systems analysis such as present and future IT requirements, risk management, security; in effect, a process start to process finish analysis of operations. I joined the American Society for Quality and was certified in Six Sigma. Six Sigma provided more than enough tools to evaluate processes, gather metrics, and analyze both quantitative and qualitative data. It was this skill-set that took me into consulting.

I was promoted to Business Manager half way through my MBA education. As Business Manager, I identified KPIs and began a cyclical routine of continuously revisiting cost drivers (e.g. sourcing, expenses, overhead) in search of savings. I identified numerous opportunities for improvement in the business plan and processes in place as well as some critical weaknesses that required retraining staff. I undertook annual continuing education seminars in Pennsylvania tax law and employment law. I successfully handled three Fortune 100 client audits and annual accounting firm audits.I handled all internal monitoring and reporting including cash flows, projections, variance, ROI, etc. I ensured the accuracy of systematically generated client reporting and added client-specific SLA reporting requirements such as depreciated asset values or risk analysis. I created capital investment and project cost-benefit analysis, handled all banking, AR/AP, benefits(evaluate annual health insurance options, institute a 401(k) plan, vacation), vendor vetting and oversight, customer service training and payroll.

I managed the front office personnel, front office functions and all customer interactions. I set up a customer invoice system, a client billing system, basic reporting and hired and trained the customer service team.