Ken Fulmer's visit to IIBA Canberra Branch
October 2018
Covering both Soft and Hard/Technical skills for a BA
Hard Skills:
1 - Understand Strategic Imperatives
2 - Customer Experience
3 - Business Process
4 - Embrace Agility
5 - Continuous Stakeholder Collaboration
6 - DATA – Evidence Based Decisions
7 - Understand Technology
Soft Skills
S1 - Infuse Customer Empathy
S2 - Envision the Outcome
S3 - Own the product and the outcome
S4 - Value
S5 –Enable Smart Decisions
S6 – LEARN Continuously
S7 – Change & Engagement
Soc 2 vs iso 27001 certification withh links converted-convertedVISTA InfoSec
When it comes to Information Security, companies struggle with the decision between selecting the SOC 2 attestation or ISO 27001 Certification, both the audits provide a competitive advantage in today’s Information security landscape.
Implementation of Enterprise Risk Management with ISO 31000 Risk Management S...PECB
The webinar covers:
• The start of any Enterprise Risk Management Program
• The approach to developing a framework that will assist organizations to integrate RM into their enterprise-wide risk management systems
• The relationship between the foundations of the risk management framework and their objectives
Presenter:
This webinar was presented by M. Youssef K, an executive consultant & trainer with several qualifications. He is an accomplished expert with over 10 years’ experience in the field of risk management, project and program management, PRINCE 2, Agile, EVM, business process analysis and design, as well as operational and organizational excellence.
Link of the recorded session published on YouTube: https://youtu.be/9fO-JqENL0I
Soc 2 vs iso 27001 certification withh links converted-convertedVISTA InfoSec
When it comes to Information Security, companies struggle with the decision between selecting the SOC 2 attestation or ISO 27001 Certification, both the audits provide a competitive advantage in today’s Information security landscape.
Implementation of Enterprise Risk Management with ISO 31000 Risk Management S...PECB
The webinar covers:
• The start of any Enterprise Risk Management Program
• The approach to developing a framework that will assist organizations to integrate RM into their enterprise-wide risk management systems
• The relationship between the foundations of the risk management framework and their objectives
Presenter:
This webinar was presented by M. Youssef K, an executive consultant & trainer with several qualifications. He is an accomplished expert with over 10 years’ experience in the field of risk management, project and program management, PRINCE 2, Agile, EVM, business process analysis and design, as well as operational and organizational excellence.
Link of the recorded session published on YouTube: https://youtu.be/9fO-JqENL0I
Operational Risk Management Under Basel II & Basel IIIEneni Oduwole
In this introductory presentation on the subject, salient features that changed in approaches adopted for Operational Risk Management under Basel I and Basel I were highlighted.
Aligning strategy decisions with risk appetite
Presented by David Shearer
Monday 10th October 2016
APM North West branch and Risk SIG conference
Alderley Park, Cheshire
Governance Culture & Incentives- Fundamentals of Operational RiskAndrew Smart
Governance, Culture & Incentives. -Fundamentals of Operational Risk. This presentation provides some practical tools to answer three key questions and create alignment.
Operational Risk Management under BASEL eraTreat Risk
Operational risk have always ignored by Banks as they thought Credit and market risks can cause catastrophe. But history of misfortunes taught us different lessons. Controls and internal audit have long been construed as guard till BASEL II dictates forced banks to look with insight. Understand the dimension of ORM in this presentation.
Personally designed (content + graphics design), officially accredited COBIT®5 Foundation courseware.
COBIT® is a trademark of ISACA® registered in the United States and other countries.
Trademarks are properties of the holders, who are not affiliated with courseware author.
Certified Risk and Compliance Management Professional (CRCMP) Prep Course Pa...Compliance LLC
Certified Risk and Compliance Management Professional (CRCMP) Prep Course – Part A
First Certified Course
Certified Risk and Compliance Management Professional (CRMCP)
This course has been designed to provide with the knowledge and skills needed to understand and support regulatory compliance and enterprise wide risk management, and to promote best practices and international standards that align with business and regulatory requirements.
The course provides with the skills needed to pass the Certified Risk and Compliance Management Professional (CRCMP) exam.
This course is intended for professionals that want to understand risk and compliance and to work as risk and compliance officers. They will prove that they are qualified, when they pass the Certified Risk and Compliance Management Professional (CRCMP) exam.
This course is intended for employers demanding qualified risk and compliance professionals. The course is recommended for senior executives involved in risk and compliance.
Information Security Management System in the Banking SectorSamvel Gevorgyan
Information Security Management System design. Information security governance approaches comparison. ISMS processes. ISMS implementation. The biggest threats in the Banking sector. The future of banking and payment systems. The challenges and future of banking. Cybersecurity solutions for Financial services.
Understanding this course help you have an idea on how the audit assessment is performed and where the focus lies. General controls take a large percentage of the entire Audit function and should be paid adequate attention during the session.
Is your go-to business analysis approach centered around completing a standard organisational template? Do you spend your time filling in document sections with little guidance on how to get the information needed? Are you stuck in the cycle of completing the same deliverable, top-to-bottom, each, and every, single, time?
That’s the trouble with templates, they dumb business analysis down – “if your only tool is a hammer then every problem looks like a nail” - and keep the perceived value of the role rooted in the stereotype of scribe, documenter, and translator.
Isn’t it time you owned the template, rather than letting the template own you? This workshop will shift you away from template-driven documentation by taking you on a journey of discovery into the world of technique-driven analysis.
You’ll cover:
Resetting what it means to be successful as a business analyst
An agnostic business analysis process model for meaningful work
Core tools and techniques that mobilise your influence and impact
Surefire ways to grow business analysis knowledge, skills, and abilities
Whether you are just starting out in your first business analyst role or have been in the profession for some time (or even longer!), this session will give you expert guidance to avoid the pitfalls of templates and build your business analyst career the smarter way.
Operational Risk Management Under Basel II & Basel IIIEneni Oduwole
In this introductory presentation on the subject, salient features that changed in approaches adopted for Operational Risk Management under Basel I and Basel I were highlighted.
Aligning strategy decisions with risk appetite
Presented by David Shearer
Monday 10th October 2016
APM North West branch and Risk SIG conference
Alderley Park, Cheshire
Governance Culture & Incentives- Fundamentals of Operational RiskAndrew Smart
Governance, Culture & Incentives. -Fundamentals of Operational Risk. This presentation provides some practical tools to answer three key questions and create alignment.
Operational Risk Management under BASEL eraTreat Risk
Operational risk have always ignored by Banks as they thought Credit and market risks can cause catastrophe. But history of misfortunes taught us different lessons. Controls and internal audit have long been construed as guard till BASEL II dictates forced banks to look with insight. Understand the dimension of ORM in this presentation.
Personally designed (content + graphics design), officially accredited COBIT®5 Foundation courseware.
COBIT® is a trademark of ISACA® registered in the United States and other countries.
Trademarks are properties of the holders, who are not affiliated with courseware author.
Certified Risk and Compliance Management Professional (CRCMP) Prep Course Pa...Compliance LLC
Certified Risk and Compliance Management Professional (CRCMP) Prep Course – Part A
First Certified Course
Certified Risk and Compliance Management Professional (CRMCP)
This course has been designed to provide with the knowledge and skills needed to understand and support regulatory compliance and enterprise wide risk management, and to promote best practices and international standards that align with business and regulatory requirements.
The course provides with the skills needed to pass the Certified Risk and Compliance Management Professional (CRCMP) exam.
This course is intended for professionals that want to understand risk and compliance and to work as risk and compliance officers. They will prove that they are qualified, when they pass the Certified Risk and Compliance Management Professional (CRCMP) exam.
This course is intended for employers demanding qualified risk and compliance professionals. The course is recommended for senior executives involved in risk and compliance.
Information Security Management System in the Banking SectorSamvel Gevorgyan
Information Security Management System design. Information security governance approaches comparison. ISMS processes. ISMS implementation. The biggest threats in the Banking sector. The future of banking and payment systems. The challenges and future of banking. Cybersecurity solutions for Financial services.
Understanding this course help you have an idea on how the audit assessment is performed and where the focus lies. General controls take a large percentage of the entire Audit function and should be paid adequate attention during the session.
Is your go-to business analysis approach centered around completing a standard organisational template? Do you spend your time filling in document sections with little guidance on how to get the information needed? Are you stuck in the cycle of completing the same deliverable, top-to-bottom, each, and every, single, time?
That’s the trouble with templates, they dumb business analysis down – “if your only tool is a hammer then every problem looks like a nail” - and keep the perceived value of the role rooted in the stereotype of scribe, documenter, and translator.
Isn’t it time you owned the template, rather than letting the template own you? This workshop will shift you away from template-driven documentation by taking you on a journey of discovery into the world of technique-driven analysis.
You’ll cover:
Resetting what it means to be successful as a business analyst
An agnostic business analysis process model for meaningful work
Core tools and techniques that mobilise your influence and impact
Surefire ways to grow business analysis knowledge, skills, and abilities
Whether you are just starting out in your first business analyst role or have been in the profession for some time (or even longer!), this session will give you expert guidance to avoid the pitfalls of templates and build your business analyst career the smarter way.
Good Workshops (formerly called JAD sessions) take time and effort to prepare. You need to pick solid Subject Matter Experts (SMEs) to participate. But good SMEs don't suffer fools--they expect the Facilitator to do their homework to learn the business and the systems. Workshops are not about educating the Facilitator. Workshops are about guiding the SMEs to transform their knowledge into a well-conceived new solution.
This presentation identifies the elements of the entrepreneurial ecosystem and sheds light on why the traditional success rate for start-up businesses has been so low. It concludes with a world class solution that can be used to increase the capacity to serve the global entrepreneurial community.
Hand out slides to a presentation I have given to the Project Management Institute PMI Quality round table and other groups on Organizational Agility. I discuss Scrum, Lean Startup, Lean Canvas, Minimum Valuable Product MVP, Design Thinking, Agile scale, SAFe, DAD, ASM, LeSS Scaled Agile Scrum, DevOps, TDD, ATDD
To book a guest lecture or Agile Coaching services, see my presentation for contact information. I am based in New York and am available to travel to your location.
SharePoint & The Lean, Agile EnterpriseDave Healey
From the lean enterprise to the lean startup, organizations are increasingly turning to lean production practices to create and preserve value with less work. SharePoint’s broad deployment, mature functional capabilities and robust extensibility make it a natural candidate for lean development scenarios, yet realizing the promise of the platform is not without risk.
This session covers the basics of lean production and explores the risks and possibilities in lean development with SharePoint. Through real-world case studies we discuss the seven most important factors for accelerating time-to-value across
- Economic,
- Cultural, and
- Engineering dimensions.
This is a capability introduction document for Continuous Improvement and Innovation By Alan Cay Culler and Richard W. Taylor of the Results-Alliance LLC
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
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Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
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It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
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Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
2. 2
Before we begin… housekeeping
In the event of an emergency, calmly follow
the instructions of staff.
Bathrooms are available off the hallway to
the right (facing the exit).
4. 4
About the IIBA
Uniting a community of professionals to
create better business outcomes.
• International Institute of Business Analysis (IIBA) is an
independent non-profit professional association serving the
growing field of business analysis.
• Promote professional standards and practices at the local level.
• Defines standards for business analysis through the Business
Analysis Body of Knowledge (BABOK)
5. 5
Member Benefits
• Receive BABOK v3, Agile Extension, access to the Online
Library of 300+ books and large range/variety of IIBA Webinars
• Discounted fees for the ECBA, CCBA and CBAP certification
exams.
• Access to the Business Analysis Competency Model.
• Job search capabilities using the Career Centre and view the
Business Analyst Salary Survey results.
• Attend Member Driven events for free, including joint events,
workshops, Professional Forum, and more…
6. 6
What's On:
• New Chair and Deputy Chair!
• Thursday 8th of November: Hugh Peterken, IIBA Australia
President – Business Analysis The Profession of the Future
• Tuesday 11 December: Joint Event – End of Year Social Event
10. 10
1 - Understand Strategic
Imperatives
• Understanding the ‘big picture’
• STRATEGIC SKILLS
• Business Agility
• Competitive Analysis
• Strategic Analysis
• Strategic Leadership
• Organizational Change
• Value Realization
• Understanding of Business Agility as a Strategy
• Sustainable competitive advantage
• Strategy at all levels (enterprise, function,
project/program)
• Strategy to Execution – key to deliver value
11. 11
2- Customer Experience
• Think from the customer perspective (“outside-in”)
• Analyze Customer Journey and Map all journeys
• Assess the full cycle of that customer product/service and all
partners in the supply chain needed – stakeholders can cross
enterprises – and often do.
• When appropriate – be the proxy for the product owner and be
focused on the overall set of avatars/personas that are the
customer (story of Malcolm Gladwell and Spaghetti Sauce)
• When appropriate – be the “Voice of the Customer”
12. 12
3- Business Process
• Re-imagine the Business Process
• Front Office – tie to customer experience
• Mid and Back Office - Process integration
• Leverage the Business Process Management Approach
• Process Analysis (vs business organization)
• Process Design
• Process Performance Measurement
• Process Transformation & Innovation
• Consider Enterprise Process Management Level
• Consider “disruptive” business models
13. 13
4- Embrace Agility
• The Agile Mindset (not just SCRUM or Kanban methods)
- deliver value rapidly and consistently,
- collaborate courageously,
- iterate to learn,
- simplify to avoid waste,
- consider the context and adapt to realities
- reflect on feedback and adapt both product and process
- produce the highest quality products
14. 14
5- Continuous Stakeholder
Collaboration
• Stakeholders – inside and “outside”
• Understanding personas
• New mechanism for collaboration
• Expanded concepts of Elicitation and Collaboration
• More Data Centric – beyond documented conversations - measurement
• More than one enterprise is typical
• The importance of “continuous”
• Not just a point in time –
• Leadership of Collaboration and Communication
15. 15
6 - DATA – Evidence Based
Decisions
• BA’s need to use data for analysis
• Elicitation – survey and experience based
• Customer Experience Data
• “Citizen Data Scientist” Level
• BA’s need to be able to use Data Tools
• BA’s need to be at the “power user” not developer level for big
data and business intelligence use by management
• BA’s need to be able to create and interpret VISUAL data
• BA’s need to interrogate data to find rules and requirement and
assist in developing algorithms for AI
• BA’s need to understand data structures and its business uses,
and how to exploit digital marketing data
16. 16
7 - Understand
Technology
• Understand how to apply Technology to achieve new business options
• Understand the Technology as it applies to the industry & disruption
• Understand the strategic opportunity that Technology can provide
• New Business Models possible
• New Business Capability – Business Architecture
• Innovation and Design options available with new technology
• Breakthrough Digital Concepts
• Digital Analytics BlockChain Cyber Security
• AI Machine Learning Virtual Reality
• Robotic Process Automation SAAS – Cloud delivery – Mobile
18. 18
S1- Infuse Customer Empathy
• Focus on the Customer
• Empathy – deep understanding of Customer Experience
• What the customer sees, thinks, and FEELS
• Experience across the full customer journey
• Human touch points – where and how does it impact the customer
• Minimize touch points with automation (AI)
• Think about the experience and not just the process!!
19. 19
S2- Envision the Outcome
• Creativity
• Seek Unfamiliarity
• Get feedback from diverse sources
• Use brainstorming and personal thinking time
• Understand Design thinking (Stanford ‘d’ school) & other techniques.
• Innovation as a Process
• From idea to prototype – filter, experiment, fail,
• Improvers vs. 1st movers –
• The Core often hinges on understanding the Customer Value Proposition
• Focus on that outcome scenario – what is the outcome look like, why is it great?
• Consider key trends, patterns, changes, and potential obstacles
20. 20
S3- Own the product and the
outcome
• Product vs. Project as a concept (initiative with no specific end)
• BA’s should own or lead the product & solution (not the project)
• In Agile this is a role in SCRUM – apply it more broadly to any method
• BA’s may act as a proxy for the business as owner (slippery approach)
• Accountability still needs to be with the business – BA is collaborator
• Outcome Focus
• MVP product approach from the Lean Thinking (minimally viable product)
• BUSINESS outcome, not project outcome (time, budget, scope)
• Experiment with the value of the OUTCOME
• Mindset of Leadership – ownership for the BA is critical to the profession
• Create & Seize Opportunities
21. 21
S4- Value
• Seek and Analyze Value
• Stakeholder conversations that establish ‘value’ – Probe for Value
• Define and Prioritize Value options
• Define value measures across portfolio, programs, projects
• Business outcomes based on Value (aka – develop the business case)
• Assist business partners communicate solution value to key stakeholders
• Based on economic value, and impact of business problems or opportunities
• Communicate Value
• Story Telling
• Benefits in credible business terms – confirmed by the business owners
• Advocate for Value – not for features or functions
• Progressive elaboration of value (incrementally)
22. 22
S5 –Enable Smart Decisions
• Build Decision Framework
• Faster Decisions are essential to execution speed and Market pace
• What Decisions – analyze core factors of what has to be decided
– Decision Criteria – alternatives and options with impacts
• Who Decides – establish RACI discussion and governance by issue
• Consider the Stakeholders and the Human Factors
• Adapt to the circumstances –
• remain agile –
• process feedback (learn)
• Negotiate for optimal Decisions – collaborate for compromises that work
23. 23
S6 – LEARN Continuously
• Mindset of Lifetime Learning
• Many things we know are enduring – Foundational skills
• Other things we know are changing and are point in time skills
• Industries are changing, Technology is changing, Professional roles are changing
• Specialization of skills and breadth of skills are both aspects of future markets
• Be a Quick Learner
• Train you mind to learn quickly – accept and embrace change
• Be willing to be trainable – immerse yourself in new personal career growth
• Find ways to learn - just in time
• New learning processes take practice (like a sport)
• Look to multiple ways to find training and absorb it – multi-modal delivery
• Be market opportunity driven
24. 24
S7 – Change &
Engagement
• Mindset of Change Management
• Not project change – organizational Change
• Examine evolutionary approach to change
• Change to People, Process, Technology and Data
• Change from enterprise, business unit, down to work steps
• Center Change objectives around Value and Customer Experience
• Engagement
• Buy-In from Stakeholders
• Emotional IQ and Stakeholder Empathy
• Harness Conflict to focus on Value
• Engage with collaborative Creativity of the Solution
• Make It Fun – engagement is personal
• Enable Virtual engagement using technology
25. 25
S8 – Culture & Business
Models
• Enterprise Culture
• Culture ties to Strategy Objectives – Efficiency & Transformation
• Focus on Market Awareness – Customer centricity
• Obsess over Outcomes – be purposeful but tie to that Value and Outcome orientation
• Enable Innovation
• New Approaches
• New Mindsets
• Support Social Networks
• Invent new Language where appropriate
• Streamline the Organization Structure – flatten where possible
• Business Model
• Transformation drives a new culture which values innovation over efficiency
• Customer Value Proposition is primary – understand horizontal segmentation & personas
• Systems Thinking Mindset – Find Opportunities and Seize the Opportunity
27. 27
Career Architecture
Specialty area – bundle of specific skills & technical literacy
Domain Knowledge – Industry & Function
Hybrid Roles – Expanded skills
Digital Skills – Hard & Soft
Agile Competencies
BABOK 3.0 – Competency