The document outlines plans to test an expanded store model in 12 select stores, including increased hours, additional staff, and new marketing strategies to boost check cashing volumes and profits. Key elements include setting new operating hours, hiring and training new staff, maximizing existing customers through surveys and targeted marketing, and attracting new customers through business partnerships and external marketing campaigns. Progress will be tracked through daily, weekly reporting and incentives will be provided to associates and customers to meet check cashing targets.
Nkonge Joseph Murithi is a Kenyan citizen seeking a marketing role. He has a bachelor's degree in business management from Moi University and computer skills certification. His work experience includes roles in merchandising, retail sales, marketing, and brand ambassadorship. He is skilled in communication, technology, data analysis, and team leadership. References are provided from former employers at Samsung, Wiko Mobile, and East African Breweries Limited.
The candidate has over 25 years of experience in operations management and customer service roles across various industries including wholesale beauty supply, video rental, retail, and education. They oversaw the operations of 13 beauty supply stores, growing the district significantly. Their experience also includes managing stores, developing employees, controlling inventory and losses, meeting sales goals, and ensuring excellent customer service. They are seeking a new position to continue utilizing their strong background in professional operations and customer relations.
This document presents a development proposal for an empty land located in Subang Jaya, Selangor, Malaysia. It includes an introduction to the project, details about the site location and context, and an analysis of existing site conditions. The site is currently an empty plot with long grass, trees and a dirty drain. The proposal will develop the land in accordance with requirements for a construction-related final school project.
O documento apresenta a agenda de uma sessão de validação de modelo de negócios realizada pela Fábrica de Startups. A agenda inclui apresentações sobre proposta de valor, validação do problema-solução, entrevistas com clientes, canais de vendas e validação do produto no mercado.
O documento resume as regras do novo Código Florestal brasileiro sobre Reserva Legal em propriedades rurais, incluindo os percentuais exigidos de vegetação nativa preservada em cada bioma, as opções de recomposição, regeneração ou compensação de áreas desmatadas irregularmente, e os critérios para aprovação do local da nova Reserva Legal.
Nkonge Joseph Murithi is a Kenyan citizen seeking a marketing role. He has a bachelor's degree in business management from Moi University and computer skills certification. His work experience includes roles in merchandising, retail sales, marketing, and brand ambassadorship. He is skilled in communication, technology, data analysis, and team leadership. References are provided from former employers at Samsung, Wiko Mobile, and East African Breweries Limited.
The candidate has over 25 years of experience in operations management and customer service roles across various industries including wholesale beauty supply, video rental, retail, and education. They oversaw the operations of 13 beauty supply stores, growing the district significantly. Their experience also includes managing stores, developing employees, controlling inventory and losses, meeting sales goals, and ensuring excellent customer service. They are seeking a new position to continue utilizing their strong background in professional operations and customer relations.
This document presents a development proposal for an empty land located in Subang Jaya, Selangor, Malaysia. It includes an introduction to the project, details about the site location and context, and an analysis of existing site conditions. The site is currently an empty plot with long grass, trees and a dirty drain. The proposal will develop the land in accordance with requirements for a construction-related final school project.
O documento apresenta a agenda de uma sessão de validação de modelo de negócios realizada pela Fábrica de Startups. A agenda inclui apresentações sobre proposta de valor, validação do problema-solução, entrevistas com clientes, canais de vendas e validação do produto no mercado.
O documento resume as regras do novo Código Florestal brasileiro sobre Reserva Legal em propriedades rurais, incluindo os percentuais exigidos de vegetação nativa preservada em cada bioma, as opções de recomposição, regeneração ou compensação de áreas desmatadas irregularmente, e os critérios para aprovação do local da nova Reserva Legal.
El documento describe los diferentes campos de la psicología, incluyendo la psicología clínica que evalúa condiciones como la depresión y la psicosis, la psicología evolutiva que estudia el desarrollo emocional desde el nacimiento hasta la vejez, y la psicología positiva que mejora la capacidad de afrontar problemas.
Pension plans provide a tax-efficient way for employees to save for retirement by setting aside a portion of their salary each year. The purpose of a pension plan is to provide income for employees upon retirement, disability, or death. Pension plans are necessary in modern societies as they provide social safety, a steady income source, and help alleviate old-age poverty. In Jamaica, pension plans allow employees to contribute up to 20% of their annual income each year and receive their savings as either a lump sum or annuity upon retirement, disability benefits if permanently disabled before retiring, or a refund of contributions to beneficiaries upon death.
El documento presenta el informe de una excavación y obtención de muestras de suelos realizada por estudiantes de ingeniería civil de la Universidad Tecnológica de Los Andes en Abancay, Perú. La excavación tuvo una profundidad de 1.95 metros y reveló tres capas de suelo de diferentes características. Los estudiantes describen el proceso de excavación y toma de muestras de suelo siguiendo protocolos de ingeniería geotécnica.
A television advertisement (variously called a television commercial,commercial or ad in American English, and known in British English as an advert) is a span of television programming produced and paid for by an organization, which conveys a message, typically to market a product or service.
http://feelproductions.com/services/
1. CRM involves collecting customer data, analyzing it to identify target customers, developing frequent shopper programs, and implementing CRM programs to build loyalty.
2. Data is collected through transactions, customer contacts, and descriptive information and stored in databases, while ensuring customer privacy.
3. Data is analyzed using methods like CLV, RFM, market basket analysis, and targeting to improve customer understanding and promotions.
4. Frequent shopper programs are developed to encourage repeat purchases through rewards tiers and VIP treatment, while unprofitable customers require different strategies.
Charles Toro has over 10 years of experience in retail management and customer service roles. He has held positions as a sales representative, assistant manager, optician, and assistant at various retail stores. His responsibilities included greeting customers, handling sales, inventory management, cash handling, implementing training programs, and ensuring excellent customer service. Toro aims to expand his skills in customer service and management abilities through a career in retail management.
The document discusses customer relationship management (CRM), describing it as a customer-centric business strategy aimed at maximizing profitability, revenue, and customer satisfaction. It contrasts traditional CRM, which is sales-focused, with modern CRM, which satisfies all customer needs. CRM is important because customers are the main source of income and provide valuable information; retaining existing customers costs less than acquiring new ones. CRM uses information technology like data mining to learn about customers and increase sales and customer loyalty.
Chinonso Williams is a Nigerian accountant seeking a new position where he can utilize his skills and experience. He has over 10 years of work experience in sales, stock management, and accounting roles for companies like LA-CASMAR Bottle Store, Marginal Trading, UNICEF Nigeria, and First Bank of Nigeria. His education includes a Higher National Diploma in Accounting from Federal Polytechnic, Owerri in 2005-2007.
The document discusses measures of trust and performance in supply chain management (SCM). It proposes using Throughput-Dollar-Days (TDD) and Inventory-Dollar-Days (IDD) to measure vendors and flow through the supply chain. TDD measures delays by accumulating the dollar value of late orders over time. IDD measures inventory levels across areas by calculating how much money is tied up in inventory and for how long, indicating blocked flow. These measures incentivize fast response and sales to maximize benefits for all parties in the supply chain.
The document provides a summary of Ryan Bevan Gomes' contact information, work experience, education, skills, and languages. It details his current role as a Merchandiser at M.H. Alshaya Co. W.L.L since 2015, and previous role as Assistant Merchandiser at the same company from 2012 to 2015. It also lists his past experience as a Purchase Analyst at Ali Abdulla Al Sane Trading Est. from 2008 to 2012.
Hillary Foutch has over 10 years of experience in logistics, sales, customer service, and management roles. She is highly organized and detail-oriented, able to prioritize tasks and achieve goals. Her experience includes logistics management, inside sales management, customer service, collections, and restaurant management. She has a diploma from New Hope Academy and certification in Crucial Conversations.
This document provides a summary of Jean-Pierre De Klerk's work experience and qualifications. It lists his positions at various companies from 2009 to present, including Assistant Manager at Stones Durbanville from 2015-2016, Shop Manager at Café Fino from 2013-2015, Claims Consultant at Absa Insurance from 2013, and other roles. It also lists his tertiary education in Banking Services and Advice from Millpark Business School and various training qualifications.
The document discusses creating an action plan for business success. It recommends setting smart goals that are specific, measurable, attainable, realistic and timely. Business owners should define action plans for marketing/sales, operations and financials. They should track success, engage employees, and compare results to the plan. Creating an action plan makes targets easier to hit, allows dealing with reality, and helps decision making.
CX Service and Quality Mgt. Credits to the rightful owners of the information...GAGAYObera
Here are 3 key ways that businesses can motivate staff to maintain high quality standards:
1. Implement quality circles where staff meet regularly to discuss quality issues and improvement ideas. Seeing their ideas succeed is motivating.
2. Use total quality management (TQM) which trains all employees to achieve the highest standards and continuously improve the product. This gives employees pride and ownership.
3. Offer incentives like bonuses or rewards for meeting quality targets. Publicly recognizing quality work also boosts morale. Motivated staff are more likely to focus on quality.
The document discusses key challenges in e-commerce including making customer data actionable, customer retention across different sales channels, and cross-channel communication. It provides two case studies of companies that implemented the e-commerce platform eComlogic to address these challenges. Fiziosfera saw improved order processing, increased retention sales by 70% and profit by 250%. 101 roses streamlined order management, implemented customer segmentation and retention programs, and increased orders by 40% with the same staff. Overall the document presents challenges in e-commerce and how the platform eComlogic helped companies overcome these challenges through integrated systems and automated processes.
Quality management in businesses involves using quality resources, quality control, and quality assurance to produce high-quality products. It also requires motivating staff through quality circles and total quality management approaches. This helps ensure customer satisfaction by meeting expectations for reliable products and keeping customers from taking their business elsewhere.
The CRM session objectives are to help attendees understand CRM basics and show how this knowledge can help build their business. Specifically, the session will review a new welcome program, capture technology, and provide insights into customer recency, frequency, and store performance. Effective customer relationship management using capture, rewards, and insights can increase customer spending by influencing them to make purchases more recently and frequently.
Integrating the customer strategy within the goals and objectives of the field is always a challenge. Alignment requires work. The regional meetings were an essential part o of the conversation designed to deliver fact, build trust and change behaviors positively.
El documento describe los diferentes campos de la psicología, incluyendo la psicología clínica que evalúa condiciones como la depresión y la psicosis, la psicología evolutiva que estudia el desarrollo emocional desde el nacimiento hasta la vejez, y la psicología positiva que mejora la capacidad de afrontar problemas.
Pension plans provide a tax-efficient way for employees to save for retirement by setting aside a portion of their salary each year. The purpose of a pension plan is to provide income for employees upon retirement, disability, or death. Pension plans are necessary in modern societies as they provide social safety, a steady income source, and help alleviate old-age poverty. In Jamaica, pension plans allow employees to contribute up to 20% of their annual income each year and receive their savings as either a lump sum or annuity upon retirement, disability benefits if permanently disabled before retiring, or a refund of contributions to beneficiaries upon death.
El documento presenta el informe de una excavación y obtención de muestras de suelos realizada por estudiantes de ingeniería civil de la Universidad Tecnológica de Los Andes en Abancay, Perú. La excavación tuvo una profundidad de 1.95 metros y reveló tres capas de suelo de diferentes características. Los estudiantes describen el proceso de excavación y toma de muestras de suelo siguiendo protocolos de ingeniería geotécnica.
A television advertisement (variously called a television commercial,commercial or ad in American English, and known in British English as an advert) is a span of television programming produced and paid for by an organization, which conveys a message, typically to market a product or service.
http://feelproductions.com/services/
1. CRM involves collecting customer data, analyzing it to identify target customers, developing frequent shopper programs, and implementing CRM programs to build loyalty.
2. Data is collected through transactions, customer contacts, and descriptive information and stored in databases, while ensuring customer privacy.
3. Data is analyzed using methods like CLV, RFM, market basket analysis, and targeting to improve customer understanding and promotions.
4. Frequent shopper programs are developed to encourage repeat purchases through rewards tiers and VIP treatment, while unprofitable customers require different strategies.
Charles Toro has over 10 years of experience in retail management and customer service roles. He has held positions as a sales representative, assistant manager, optician, and assistant at various retail stores. His responsibilities included greeting customers, handling sales, inventory management, cash handling, implementing training programs, and ensuring excellent customer service. Toro aims to expand his skills in customer service and management abilities through a career in retail management.
The document discusses customer relationship management (CRM), describing it as a customer-centric business strategy aimed at maximizing profitability, revenue, and customer satisfaction. It contrasts traditional CRM, which is sales-focused, with modern CRM, which satisfies all customer needs. CRM is important because customers are the main source of income and provide valuable information; retaining existing customers costs less than acquiring new ones. CRM uses information technology like data mining to learn about customers and increase sales and customer loyalty.
Chinonso Williams is a Nigerian accountant seeking a new position where he can utilize his skills and experience. He has over 10 years of work experience in sales, stock management, and accounting roles for companies like LA-CASMAR Bottle Store, Marginal Trading, UNICEF Nigeria, and First Bank of Nigeria. His education includes a Higher National Diploma in Accounting from Federal Polytechnic, Owerri in 2005-2007.
The document discusses measures of trust and performance in supply chain management (SCM). It proposes using Throughput-Dollar-Days (TDD) and Inventory-Dollar-Days (IDD) to measure vendors and flow through the supply chain. TDD measures delays by accumulating the dollar value of late orders over time. IDD measures inventory levels across areas by calculating how much money is tied up in inventory and for how long, indicating blocked flow. These measures incentivize fast response and sales to maximize benefits for all parties in the supply chain.
The document provides a summary of Ryan Bevan Gomes' contact information, work experience, education, skills, and languages. It details his current role as a Merchandiser at M.H. Alshaya Co. W.L.L since 2015, and previous role as Assistant Merchandiser at the same company from 2012 to 2015. It also lists his past experience as a Purchase Analyst at Ali Abdulla Al Sane Trading Est. from 2008 to 2012.
Hillary Foutch has over 10 years of experience in logistics, sales, customer service, and management roles. She is highly organized and detail-oriented, able to prioritize tasks and achieve goals. Her experience includes logistics management, inside sales management, customer service, collections, and restaurant management. She has a diploma from New Hope Academy and certification in Crucial Conversations.
This document provides a summary of Jean-Pierre De Klerk's work experience and qualifications. It lists his positions at various companies from 2009 to present, including Assistant Manager at Stones Durbanville from 2015-2016, Shop Manager at Café Fino from 2013-2015, Claims Consultant at Absa Insurance from 2013, and other roles. It also lists his tertiary education in Banking Services and Advice from Millpark Business School and various training qualifications.
The document discusses creating an action plan for business success. It recommends setting smart goals that are specific, measurable, attainable, realistic and timely. Business owners should define action plans for marketing/sales, operations and financials. They should track success, engage employees, and compare results to the plan. Creating an action plan makes targets easier to hit, allows dealing with reality, and helps decision making.
CX Service and Quality Mgt. Credits to the rightful owners of the information...GAGAYObera
Here are 3 key ways that businesses can motivate staff to maintain high quality standards:
1. Implement quality circles where staff meet regularly to discuss quality issues and improvement ideas. Seeing their ideas succeed is motivating.
2. Use total quality management (TQM) which trains all employees to achieve the highest standards and continuously improve the product. This gives employees pride and ownership.
3. Offer incentives like bonuses or rewards for meeting quality targets. Publicly recognizing quality work also boosts morale. Motivated staff are more likely to focus on quality.
The document discusses key challenges in e-commerce including making customer data actionable, customer retention across different sales channels, and cross-channel communication. It provides two case studies of companies that implemented the e-commerce platform eComlogic to address these challenges. Fiziosfera saw improved order processing, increased retention sales by 70% and profit by 250%. 101 roses streamlined order management, implemented customer segmentation and retention programs, and increased orders by 40% with the same staff. Overall the document presents challenges in e-commerce and how the platform eComlogic helped companies overcome these challenges through integrated systems and automated processes.
Quality management in businesses involves using quality resources, quality control, and quality assurance to produce high-quality products. It also requires motivating staff through quality circles and total quality management approaches. This helps ensure customer satisfaction by meeting expectations for reliable products and keeping customers from taking their business elsewhere.
The CRM session objectives are to help attendees understand CRM basics and show how this knowledge can help build their business. Specifically, the session will review a new welcome program, capture technology, and provide insights into customer recency, frequency, and store performance. Effective customer relationship management using capture, rewards, and insights can increase customer spending by influencing them to make purchases more recently and frequently.
Integrating the customer strategy within the goals and objectives of the field is always a challenge. Alignment requires work. The regional meetings were an essential part o of the conversation designed to deliver fact, build trust and change behaviors positively.
Bootstrap Business Seminars: Making Sense of the NumbersCityStarters
This document summarizes a seminar on financial planning and management for startups. It discusses building financial forecasts, including developing sales forecasts and estimating costs. It explains key financial concepts like gross profit, break-even analysis, and cash flow. It emphasizes the importance of financial planning to ensure business viability and support fundraising. The document provides guidance on managing cash flow in startups, financial controls, making use of small investments, R&D tax credits, and setting up a limited company.
Tracey Wells is a highly experienced Accounts Payable Administrator with over 27 years of experience processing invoices and managing supplier relationships. She specializes in ensuring invoices are paid within deadlines to meet suppliers' expectations. She also handles customer inquiries professionally and trains colleagues to ensure team competency. Previously she worked as an Accounts Payable Administrator for Paperlinx and Nationwide Building Society, where her duties included invoice processing, supplier liaison, payment runs, and credit control resulting in the recovery of over £185,000.
This document contains a resume for Rubina Arif. She has over 8 years of experience in banking, including roles providing customer service and selling insurance policies. Her skills include adapting to new environments, working well under pressure, and training colleagues. She is proficient in Microsoft Office and has a Bachelor's degree in Art. Her professional experience includes roles as a customer service officer, collection officer, recovery officer, and universal teller at various banks.
TC Media's own Privacy Guru, Matthew Vernhout, shares the key components of the Digital Privacy Equation. Trust = Control, Transparency, and most importantly for consumers, Value. In addition, he provided important updates on the upcoming CASL legislation changes, and what companies can do starting today to ensure compliance.
The document provides a summary of the individual's professional experience working in various roles in the cable and telecommunications industries since 2005. It highlights experience as a collections representative, group leader, account manager, dispatcher, and telecommunications security specialist for companies including Time Warner Cable, Delbert Services, ADIR International Finance, and Comcast Cable. Responsibilities included making calls to customers, processing payments, assisting with customer issues, supervising other representatives, and conducting equipment audits.
1. CONFIDENTIALCONFIDENTIAL
CONFIDENTIAL – This information must be protected in accordance with Company security policies.
CONFIDENTIAL
Super Financial Centers
Store Model Test
Launch Date: 12/7/09
2. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Super Financial Centers
• Current situation
• Key elements of the plan
• IT requests
• Training
– November timeline
– Execution
• Marketing
– Current PDL customer
– External opportunities
– Execution
• Reporting
• Incentives
– Associates
– Customers
– Calendar
• By-store detail
– December execution
– Operating hours
– Competitor Research
– Customer incentives/marketing requests
– Start up cash considerations
• SOP considerations
3. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
3
Super Financial Centers
• Concept
– Expansion of Operations and Product Marketing strategy in 12 select stores to
test the effectiveness of a store model that includes increased store hours,
additional labor hours and marketing tools to boost product growth and store
profitability.
• Execution
– Set new operating hours for each store
• Reviewing current business results
– Hire and train additional PT CSRs
• Verification of understanding
– Training
• Store staff to be check cashing Subject Matter Experts
– Marketing
• Processes to maximize current PDL customers
• Processes to attract new / expand check cashing customer base
– Managing growth
• Weekly and daily updates
• Benchmarks
4. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Check Cashing
Current situation
• By store results
– Compare to by region and by district
• Trends
– August to September was a 41% increase in fees
– September to October was a 14% increase
– October to November was a 16% increase
• By day opportunity
– Fridays are 32% of our weekly total
– Thursdays are next biggest day
– Monday is the 3rd biggest day of the week
– Obvious effect coming from the 1st and the 3rd of the month in the
Western Division
5. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Check cashing units trends
0
10
20
30
40
50
60
70
80
P8 P9 P10 P11
Bailey APS
Searcy
APS
127
Ferguson
APS
McCartney
APS
147
McDonald
APS
Simpson
APS
2219
6. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$16,000
$18,000
Mon Tues Wed Thurs Fri Sat
Business by the day of the week:
7. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
IT support (for all stores)
• STARs check cashing report – to facilitate reviewing by
store, by day and by customer trends
– By customer, with totals both unit and $
– Date Ranges
• We intend to use the information for following with specific
customers. This information can be available through the admin.
• Email addresses
• To be used for marketing to our internal customers
• Bandwidth increase
• Concerned about the potential volume and the effect to transaction
speed in store.
• Printer upgrades (new or refurbished)
• Minimize obstacles to success
8. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Execution - November
November 2009
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
15 16 17 18 19 20 21
Survey PDL customers
22 23 24 25 26 27 28
Shop compeititors Review schedules
Courtesy calls start
29 30
Marketing starts
Survey PDL
customers
9. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Activity Item detail -
11/24 –
• Shop competitors, small businesses, strip malls, apartment
complexes
11/27 –
• Review schedule with DDO/ROM for the next 2 weeks
• Courtesy calls for the 1st and 3rd of the following week
– Include new store hours and check cashing reminder
11/30 –
• Marketing – Flyers with new hours begin to circulate, focus on
Apartment complexes, small business and strip malls.
11/24 and week of 11/30 Surveying PDL customers
• This entire week all customers need to be surveyed in regards to
checks. We will see 85% - 90% of our customers. Every customer
that does a transaction will received a "flyer" promoting our new
store hours as of 12/7 and all of our products and services we offer.
10. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Training
Resources available:
• SOP 2.3.5.3
• LMS training – Check Cashing 1 & 2
– Knowledge Checks available
• Top performing SMs
– 245 Heide Cortez
– 270 Cheryl Clark
Execution:
• SOP reviewed and quiz questions developed
• All training to be reviewed by 11/27
• Verify understanding with Knowledge Checks and SOP Quiz by 12/4
• 12/7 conference call
11. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Maximizing current customer
Basic Ideas -
• Survey all customers – do they cash checks?
• Send customers personalized emails to introduce the
manager, explain new hours and highlight check cashing
for all checks
• A refrigerator magnet to give all customers - one that we
cash checks and another with store specifics, i.e.
address and operating hours
• Inactive calls for current check cashing customers
• Direct mail to all active customers
12. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Example of the personalized memo
• SM intro
• Store address
• Services available
• New hours
13. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Ideas for the magnets
14. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Execution
1. Survey current customers through 12/3
2. Set targets based upon paydays on 12/4
Every customer, every time
1. Provide all customers with magnets – hours and
check cashing
2. Follow up with current check cashing customers
• Thank you cards sent out weekly
• Weekly reminder calls to 20 past customers starting with oldest
• Define top check cashers and incent with BOGO
3. Personalized emails sent out to all customers
• Monthly update to the email
15. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Attracting external customers
External Marketing
• Thank you cards
• Check Cashing yard signs
• New Store Hours yard signs
• Door hangers
• Balloons
• Menu Board
• Flyers
• Window Painting
Business to Business
• Small business focus and brochures to support - contractors to cash their checks and
payroll
– Daily and weekly calls
– Contractors for cashing their checks
– Small businesses for cashing payroll checks
• Bank contacts to make our services available
• First generation immigrants and grocery stores
16. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Targeted B2B customers
• Bank contacts
– Banks have additional check cashing conditions and requirements.
– A relationship with the bank can prove profitable
• Contractors
– There are reasons for a contractor to not want to deposit a check into their checking
account.
• Insurance and Attorneys
– Claims and settlements are always in check form
• Small Businesses
– Presented as a benefit to employees without checking accounts
• Small Supermarkets
– Grocery stores in some cases have to cash checks in order to facilitate customers
buying food.
– Most small supermarkets consider check cashing to be a loss leader and don’t use a
check verification service.
– Indicators are that 1st generation immigrants use their grocery stores as their primary
banking provider.
17. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Execution
• Review expectations by 12/3
– Develop small business partners
– Execute marketing
– Daily and weekly contact expectations
• Verify understanding
• Utilize Contract Tracking Log
18. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Contract Tracking log
19. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Execution – December
December 2009
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
1 2 3 4 5
Verify understanding
with entire
staff
collect survey data &
set targets
6 7 8 9 10 11 12
Launch of new store
hours!
Daily update
1st incentive
SM recaps
13 14 15 16 17 18 19
Daily update
weekly update Incentive Incentive
Incentive SM recaps
20 21 22 23 24 25 26
Daily update
Holidayweekly update Incentive
Incentive
27 28 29 30 31
Daily update
Incentive
20. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Reporting
• Daily postings on the portal for all 3 test stores
• Weekly reporting to the entire division of
progress
• Weekly Activity Updates from the test stores:
– Capture cold calls
– Recap B2B visits
– Track progress
21. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
SPIFF – per check based upon per period increase
• + 51 – 100 New = $1.00
• +101 – 150 New = $2.00
• +151 – 200 New = $3.00
• +201 – 250 New = $4.00
Daily incentives based upon day of the period
• Movie Tickets
• Jeans Day
• SBUX Gift Cards
• Pizza Lunch
• Fill the Fridge
Incentives for the associates
Estimated cost =$250
per period for 1st 2
periods
22. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Incentive Calendar
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
1 2 3 4 5
Movie tickets for
cashing 20 checks
Jeans day if 30
checks cashed on 1st
$5 SBUX card for
each 10 checks
cashed
6 7 8 9 10 11 12
Pizza Lunch if 25
checks cashed
Fill the fridge if PTD
at 100 checks cashed
13 14 15 16 17 18 19
Movie tickets for
cashing 20 checks
$5 SBUX card for
each 10 checks
cashed
Pizza Lunch if 25
checks cashed
Movie tickets for
cashing 20 checks
20 21 22 23 24 25 26
$5 SBUX card for
each 10 checks
cashed
Fill the fridge if PTD
at 200 checks cashed
27 28 29 30 31
Movie tickets for
cashing 20 checks
23. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Incentives for the customer
• 5th check cashed is free of charge
• Check Cashing referral cards
– 1% for the next check cashed? No Fee?
– Monthly drawing for a gift card?
• 1% fee for bulk
– Contractors with checks total more than $5,000 per transaction
– Small businesses that direct employees with checks totaling more than
$8,000
• $500 check or more Free MO
• 2 Free MO with each check cashed
• Unlimited MOs with check cashing
Window Banners and Brochures to support
24. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
By store plans
25. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
McDonald Region – 2119 Casa Grande
1. Payday Loans
1226 E Florence Blvd, Casa Grande, AZ
(520) 836-1171
2. Check Into Cash
1664 E Florence Blvd, Casa Grande, AZ
(520) 421-9835
3. Allied Cash Advance
992 E Cottonwood Ln Casa Grande, AZ
(520) 876-4188
4. Money Mart
513 E Florence Blvd, Casa Grande, AZ
(520) 316-8021
5. Quik Cash
1226 E Florence Blvd, Casa Grande, AZ
(520) 836-1171
6. WaMu Bank and ATM
1664 E Florence Blvd, Casa Grande, AZ
(520) 421-1197
7. Urgent Money Services
1350 E Florence Blvd # A, Casa Grande, AZ
(520) 423-0777
8. Fastrip Financial
1620 N Pinal Ave, Casa Grande, AZ
(520) 836-2562
9. Urgent Money Services
992 E Cottonwood Ln , Casa Grande, AZ
(520) 421-7326
DDO – Gina Simpson
SM Cindy Spears and 3 PT CSRs
Operating hours –
Weekdays 10am to 9pm
Saturday 10am to 5pm
26. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
2119 Casa Grande, AZ
Banks
• US Bank 1637 N Trekell Rd, Casa Grande,
AZ 85222 (520) 423-0451
• Central Arizona Bank 4433 N Pinal Ave, Casa
Grande, AZ 520-836-7942
• Great Western Bank 1300 E Florence Blvd, Casa
Grande, AZ 520-836-4666
• National Bank of Arizona 1412 E Florence Blvd,
Casa Grande, AZ 520-836-1727
• Great Western Bank 21 W 2nd St, Casa Grande,
AZ 520-426-0020
• Bank of America 1691 E Florence Blvd, Casa
Grande, AZ 520-421-0865
Temporary Employment Offices
• Allied Forces Temporary Svc - 320 W 9th St # A,
Casa Grande, AZ 520-316-0061
• Adecco Employment Svc - 703 N Olive Ave, Casa
Grande, AZ 520-421-1707
• Labor Systems - 320 W 9th St # A, Casa Grande,
AZ 520-316-0061
• Labor Finders - 311 W 3rd St, Casa Grande, AZ
520-426-9025
• Able Body Labor - 110 E 1st St, Casa Grande,
AZ 520-876-9104
Store specific marketing
• 2 Free MOs with each check cashed
• 1% Fee
– Contractors with $3,000 or more per
transaction
– Small businesses with payroll of $5,000
or more
Marketing needs:
• Yard signs-new hours and
check cashing
• Window clings-new hours and
check cashing
• Promo code for free MO
27. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Bailey Region – 127 Sacramento
1. Check Into Cash
6286 Mack Rd, Sacramento, CA
(916) 427-5481
2. Money Mart
6510 Florin Rd, Sacramento, CA
(916) 391-4900
3. Ace Cash Express
Valley Hi Dr, Sacramento, CA
4. California Check Cashing Store
7386 Stockton Blvd # N, Sacramento, CA
(916) 391-3376
5. Chase Bank and ATM
7301 W Stockton Blvd, Sacramento, CA
(916) 689-3131
6. Buckeye Check Cashing
4550 Mack Rd, Sacramento, CA
(916) 429-1971
7. United Check Cashing
4540 Florin Rd # C, Sacramento, CA
(916) 422-2244
8. Cash N Dash Check Cashing
4709 Florin Rd, Sacramento, CA
(916) 393-2274
9. Cash & Go
6244 Mack Rd, Sacramento
DDO – Tom Searcy
SM Patricia Rogers and 4 PT CSRs
Operating hours –
Weekdays 10am to 8pm
Saturday 10am to 5pm
28. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Bailey Region – 127 Sacramento
• Banks:
• Chase Bank
• 7301 W. Stockton Blvd. (916) 689-3131
• Wachovia Bank
• 6300 Florin Rd. (916)421-6980
• Downey Savings
• 6005 Florin Rd #500 (916)399-4960
• Contractors:
• VL Construction
• 7800 Camrose Way (916)812-1245
• AJ Miller Construction
• 8684 Redlands Way (916)423-1739
• Insurance and Attorneys:
• Allstate – Zachary Wandell
• 7880 Alta Valley 9916)691-0815
• Jadish Prasad Attorney:
• 4815 Laguna Park (916)393-2545
• Supermarkets:
• SF Supermarket
• 4562 Mack Rd. (916)395-6868
• People Supermarket
• 7478 Stockton Blvd. (916)688-5515
Store specific marketing:
• Unlimited MO with any check cashed
• Check Cashing Referral – card goes into a
drawing at the end of the period for a $50
gift card
• 1% Fee
– Contractors with $5,000 or more per
transaction
– Small businesses with payroll of $8,000
or more
Marketing needs:
• Brochures for 1% fee
• Yard signs – new hours and check cashing
• Window painting
• Promo code for 1% fee
• Referral Card for check cashing – customer
ID # to be inputted on each card
• 1% fee window banner
• Services menu board
• Balloons
• Banners – new hours and check cashing
29. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Ferguson Region – 147 Temecula
1. F & M Check Cashing
27625 Jefferson Ave # 102, Temecula, CA
(951) 676-9749
2. Payday Advance
26810 Ynez Rd #C, Temecula, CA
(951) 695-5577
3.Chase Bank and ATM
26411 Ynez Rd, Temecula, CA
(951) 296-5770
4. Americash
41743 Enterprise Cir, Temecula, CA
(951) 296-5277
5. FFI Payday Loans
28282 Old Town Front St, Temecula, CA
(951) 296-6116
6. FFI Payday Loans
# G-2, 31165 Temecula Pkwy, Temecula, CA
(951) 303-1634
7. Chase Bank and ATM
29640 Rancho California Rd, Temecula, CA
(951) 695-3963
8. Check Cashers of Temecula
28282 Old Town Front St, Temecula, CA
(951) 694-6080
9. Check Cashers of Temecula
41125 Winchester Rd, Temecula, CA
(909) 506-0059
DDO – Michael McCartney
SM Stacy Minsky and 1 FT CSR and 2 PT CSRs
Operating hours –
Weekdays 10am to 9pm
Saturday 10 to 5pm
30. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
147 Temecula
• Bank
– Us Bank
• 29530 Rancho California Rd
• (951) 695-5350
– Pacific Western Bank
• 27541 Ynez Rd
• (951) 693-5253
• Contractors
– Suffolk Construction Inc.
• 42450 Moraga Rd
• (951) 699-1938
– Brookstone Construction
• 27450 Ynez Rd
• (951) 694-3373
• Insurance and Attorneys
– STATE FARM - MARGARET TURNER
• 29377 Rancho California Road, Suite 203
• (951) 699-0940
– Allstate Insurance Agent – Mike Ruiz
• 29379 Rancho California Rd
• (951) 699-097
• Small Supermarkets
– Stop Quick Market
• 29762 Rancho California Rd
• (951) 699-7968
– Target Rancho California
• 29676 Rancho California Rd
• (951) 676-2668
– Novamex
• 29379 Rancho California Rd
• (951) 695-4425
Store specific marketing:
• Free MO with each check cashed over
$500
• 5th check cashed free
• 1% Fee
– Contractors with $7,000 or more
per transaction
Marketing needs:
• Brochures for 1% fee
• Yard signs – new hours and check
cashing
• Window painting
• Promo code for 1% fee
• 5th check cashed free loyalty card
• 1% fee window banner
• Services menu board
• Balloons
31. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Start up Cash
• Stores have different amount available for
busy days. (Mon, Thurs, Friday)
– Drawers also set-up with different amounts
• The ability to print replenishment checks
when need, with ROM approval.
• Define thresholds for increasing start-up
amounts
32. CONFIDENTIAL – This information must be protected in accordance with Company security policies.
Future SOP Considerations
• Opening of safe while customers are in the store
(defining procedures/parameters)
• Process for paying out checks over $5,000 and
$10,000
– How does money get picked up at bank
– How do we verify funds at the store
– How do we count out money to customer
• Placement of tube safes in test store.