The document discusses the company's focus on reinvention in 2015. It summarizes that the company reinvented key areas like its branches, brand, products and leadership to better serve members and remain competitive. The role of the Board is to provide oversight and ensure reinvention activities are strategic and financially sound.
This document summarizes a presentation about starting a branch office partnership with Credit-Advisors.com, a debt settlement processing company. It describes Credit-Advisors' infrastructure and experience in debt settlement. The debt settlement industry is a growing $3 trillion market due to rising consumer debt and unemployment. As a branch office, representatives would focus on sales while Credit-Advisors handles compliance and operations. Earnings projections show representatives could earn over $100,000 in their first year. The program offers training, marketing support, and software access to help representatives succeed.
The document discusses business retention and expansion (BR&E) programs. It notes that BR&E programs focus on engaging with existing businesses in a community to help them grow and stay, which is more effective for job creation than business recruitment. Effective BR&E involves regular, in-person conversations with business leaders rather than surveys. Examples are provided of how BR&E programs in Dayton, Ohio and Richmond, Virginia helped specific companies expand and create new jobs in the community.
The 10 Most Essential Business Services Provider in 2018Merry D'souza
Insights Success has come up with a very contemporary topic and has dealt under the issue of “The 10 Most Essential Business Services Provider in 2018”. Here we have focused on the different business portfolios with unique service solutions.
Mortgage Choice and You - Stronger TogetherTony Arena
This document provides information about joining Mortgage Choice as a franchisee. Some key points:
- Mortgage Choice is one of the largest and most successful mortgage broker franchises in Australia with over 30 years of experience.
- They offer various support programs and resources to help franchisees build a successful business, including training, marketing support, an online broker platform, and ongoing mentoring.
- Customers trust the Mortgage Choice brand and are satisfied with the transparent "Paid the Same" commission model. The strong brand and high customer satisfaction provide franchisees with business opportunities.
This document provides an annual report for Innovation Credit Union for 2014. It discusses how the credit union focused on innovation that year to improve the member experience through new technology and delivery channels. Specifically, it overviews the successful implementation of a new online banking system in October 2014. It also notes how the credit union has been innovative in other areas like mobile banking, commercial lending, and wealth management programs. The report emphasizes that continuous innovation is needed to meet the evolving needs of tech-savvy members in Silicon Valley and prepare for future opportunities.
The document discusses journey mapping and activation challenges. It provides an overview of how one company, The Institutes, used journey mapping to better understand their customers. They assembled a cross-functional team, conducted research, and created persona and journey maps. Both quick hits and longer-term initiatives were identified from insights. The company is now using journey maps across marketing, product design, and other areas. Finally, six enablers for activating journey maps are provided: executive support, governance systems, journey data/analytics, continuous measurement, accelerating value, and ongoing improvement.
This document discusses Access Financial and the services it provides to help companies and contractors with international mobility challenges. Access Financial has over a decade of experience facilitating the transfer of talent globally. It assists contractors in obtaining legal compliance and work permits, handles payroll and tax services, and ensures contractors maximize their earnings. The company also helps recruitment agencies and corporate clients place candidates internationally and manage compliance requirements across different countries.
"The 10 Highly Trusted Merger & Acquisition Consulting Firms in 2018"Merry D'souza
"The company acquiring merger and acquisition are dependable upon its planning and strategies whether they will profitable or in losses. India has many cases through which they proved its not lagging in this aspect of merger and acquisition from worldwide. The concept of merger and acquisition can also be a risky process which has to be adopted, as it may bring various problems to the company in terms of the management, it working, etc., To bring out such extraordinary mergers and acquisitions that are making massive changes in the peoples’ lives, we have come up with this interesting issue titled, “The 10 Highly Trusted Merger & Acquisition Consulting Firms in 2018”
This document summarizes a presentation about starting a branch office partnership with Credit-Advisors.com, a debt settlement processing company. It describes Credit-Advisors' infrastructure and experience in debt settlement. The debt settlement industry is a growing $3 trillion market due to rising consumer debt and unemployment. As a branch office, representatives would focus on sales while Credit-Advisors handles compliance and operations. Earnings projections show representatives could earn over $100,000 in their first year. The program offers training, marketing support, and software access to help representatives succeed.
The document discusses business retention and expansion (BR&E) programs. It notes that BR&E programs focus on engaging with existing businesses in a community to help them grow and stay, which is more effective for job creation than business recruitment. Effective BR&E involves regular, in-person conversations with business leaders rather than surveys. Examples are provided of how BR&E programs in Dayton, Ohio and Richmond, Virginia helped specific companies expand and create new jobs in the community.
The 10 Most Essential Business Services Provider in 2018Merry D'souza
Insights Success has come up with a very contemporary topic and has dealt under the issue of “The 10 Most Essential Business Services Provider in 2018”. Here we have focused on the different business portfolios with unique service solutions.
Mortgage Choice and You - Stronger TogetherTony Arena
This document provides information about joining Mortgage Choice as a franchisee. Some key points:
- Mortgage Choice is one of the largest and most successful mortgage broker franchises in Australia with over 30 years of experience.
- They offer various support programs and resources to help franchisees build a successful business, including training, marketing support, an online broker platform, and ongoing mentoring.
- Customers trust the Mortgage Choice brand and are satisfied with the transparent "Paid the Same" commission model. The strong brand and high customer satisfaction provide franchisees with business opportunities.
This document provides an annual report for Innovation Credit Union for 2014. It discusses how the credit union focused on innovation that year to improve the member experience through new technology and delivery channels. Specifically, it overviews the successful implementation of a new online banking system in October 2014. It also notes how the credit union has been innovative in other areas like mobile banking, commercial lending, and wealth management programs. The report emphasizes that continuous innovation is needed to meet the evolving needs of tech-savvy members in Silicon Valley and prepare for future opportunities.
The document discusses journey mapping and activation challenges. It provides an overview of how one company, The Institutes, used journey mapping to better understand their customers. They assembled a cross-functional team, conducted research, and created persona and journey maps. Both quick hits and longer-term initiatives were identified from insights. The company is now using journey maps across marketing, product design, and other areas. Finally, six enablers for activating journey maps are provided: executive support, governance systems, journey data/analytics, continuous measurement, accelerating value, and ongoing improvement.
This document discusses Access Financial and the services it provides to help companies and contractors with international mobility challenges. Access Financial has over a decade of experience facilitating the transfer of talent globally. It assists contractors in obtaining legal compliance and work permits, handles payroll and tax services, and ensures contractors maximize their earnings. The company also helps recruitment agencies and corporate clients place candidates internationally and manage compliance requirements across different countries.
"The 10 Highly Trusted Merger & Acquisition Consulting Firms in 2018"Merry D'souza
"The company acquiring merger and acquisition are dependable upon its planning and strategies whether they will profitable or in losses. India has many cases through which they proved its not lagging in this aspect of merger and acquisition from worldwide. The concept of merger and acquisition can also be a risky process which has to be adopted, as it may bring various problems to the company in terms of the management, it working, etc., To bring out such extraordinary mergers and acquisitions that are making massive changes in the peoples’ lives, we have come up with this interesting issue titled, “The 10 Highly Trusted Merger & Acquisition Consulting Firms in 2018”
Whitepaper: How to Secure Financing for a Start-up Using a Feasibility StudyRK Fischer & Associates
The document discusses how a feasibility study can help secure financing for a start-up. It describes a case study where a feasibility study was performed for a new family entertainment business seeking $800k in financing. The study included developing a questionnaire, working session to identify potential weaknesses, a report with recommendations, and a 5-year financial model. Areas like revenue forecasts, expenses, staffing, and cash flow were analyzed. The outcome was the study helped address bank concerns and provided an objective validation of the business plan and financial projections.
Dun & Bradstreet presentation that guides small business owners on the steps to building a strong business credit profile, as well as highlights some of the benefits of a healthy business credit profile.
Swiftnlift Announces wealth management advisors to look for in 2021Swiftnlift
Providing oversights and strategic management of every aspect of a person’s financial activity from asset management to financial planning, risk management to retirement planning.
Sailax is an Indian startup that provides digital business cards through its mobile app. It was founded in 2013 with a mission of sustainability by replacing paper business cards. The app has over 100k downloads and provides features like contactless sharing, automatic updates, and CRM integration. The founder, Ajay Sharma, was inspired to create more affordable and sustainable solutions. Sailax aims to significantly reduce deforestation and carbon emissions from the billions of paper business cards printed annually.
1. QNET has been in business for over 12 years and has a proven track record of success and continued growth. It is a billion dollar company with a strong global infrastructure.
2. The company has strong capitalization and cash reserves to support continued growth through expanding into new industries and markets across Asia and other regions.
3. QNET offers unique products and services like bioscans and luxury watches that are not readily available elsewhere and have both existing and latent demand in the market.
The document describes a franchise opportunity for Today Dreams, a company that provides HR solutions and job placement services. It outlines three franchise tiers - state, district, and city - with varying fees and commission structures. The opportunity promises high profits by establishing franchise centers across India to offer job placement and career services. Infrastructure requirements for franchises include a 150 square foot commercial office space, internet, computer equipment, and adherence to branding guidelines. Interested parties are invited to contact the company for additional details.
Bryson Financial provides various financial services including retirement planning and employee benefits. They aim to develop close relationships with clients to understand their individual needs and design customized strategies. Bryson Financial draws on over 60 years of combined experience in the industry to assist clients. They strive to constantly adapt their plans based on changes in the industry and legislation to ensure the best outcomes for clients.
Jefferies Lungu Mutuku is a Kenyan man working in Afghanistan who is investing money back in Kenya and creating jobs. He has started businesses in real estate, transport, supplies and agriculture over the last three years. He works with ABC Bank in Kenya to manage his investments and send money home, and appreciates their advice and ability to facilitate transactions as if he was in Kenya. He is happy with the economic growth and stability in Kenya and looks forward to the new government creating more industries, jobs and supporting small businesses and entrepreneurs.
Overcoming roadblocks in creating a next generation accounting practiceCPA.com
Growing a leading client accounting services practice doesn’t happen overnight– it requires a well-structured business plan, highly motivated staff, best-of-breed technology solutions, and a client-centric focus.
As you embark on building an efficient practice that leverages innovative technologies and services, you may encounter some obstacles – from firm leadership and staff, as well as clients. Join us for a webinar where we will discuss how to overcome common roadblocks to achieve success.
30 best small companies to watch by The Silicon ReviewPavan Kumar
These companies are not only the best small brands in their particular sector, but are giving a tough competition to the industry leaders. The companies that are enlisted are known for their passion and commitment, ability to choose right employees and partners, customer centric approach and more over the ability to conduct business globally.
Sunil Mahajan is the co-founder and CEO of Kleeto, a company that provides record keeping services. Kleeto was conceptualized in 2010 based on Mahajan's personal experiences with misplacing important documents. The company launched in December 2010 and offers annual subscriptions for consumers and businesses to store both physical and digital documents. Kleeto has grown rapidly since inception by outsourcing non-core functions and focusing on reaching more customers through word of mouth, corporate partnerships, and offering document pickup and delivery. Mahajan sees significant potential for growth in the untapped market for record management services among consumers and small businesses.
This document provides an overview of various topics for financial advisors, including:
- Opportunities in the protection market in 2015 and tips for maximizing them.
- Changes to the EU mortgage credit directive taking effect in 2016.
- Considerations for pensions in the flexible retirement era.
- Support for auto-enrollment requirements for business clients' pension plans.
- A new intermediary mortgage service from TSB focusing on expert support and fast decisions.
- A promotion offering to waive adviser support fees for 12 months for new advisers recruited.
- Streamlined electronic identity verification to enhance the client experience and reduce costs/fraud.
Building and Sustaining a Business Development Culture _ Law Practice DivisionTea Hoffmann
This document discusses how law firms can build and sustain a business development culture. It notes that while many firms emphasize the importance of business development, few make training mandatory or hold lawyers accountable. The document outlines various approaches that firms take to promote business development, including mandatory and voluntary training programs, integrating business lessons, using successful rainmakers as mentors, and rewarding business development efforts. It stresses that to build a strong culture, firms must communicate the importance of business development and use a variety of training tools tailored to their lawyers.
The 10 most inspiring faces of business industry, 2021Swiftnlift
DuChange ABC Private Ltd is the perfect partner in creating high-performance organizations with #sustainability and #scalability strategies with continual improvements and integrated Management Systems.
H&R Block was founded in 1955 by Henry Bloch as a small accounting firm called The United Business Company. It has since grown to be the world's largest tax preparation firm, with over 13,000 offices. The document discusses H&R Block's history, mission, values, leadership, products, services, and organizational structure. It also analyzes the company's financial performance and perception in the tax preparation industry.
Wealth Finance February 2016 (Kepner Tregoe)Bill Baldwin
Kepner-Tregoe is a global management consulting firm that helps organizations improve critical thinking skills to drive operational performance. As CFO, William Baldwin manages finances, legal, IT, and HR functions. He has helped the company invest in new regions and capabilities while balancing financial stability. Kepner-Tregoe survived the 2008 financial crisis by quickly cutting costs and improving operations, and maintains a strong balance sheet to prepare for future crises. The company continues to adapt its services to emerging issues through consulting work and client feedback.
TBS provides consulting services to help healthcare organizations prepare for the ICD-10 transition deadline of October 1, 2015. They assess clients' coding needs and current readiness, provide training programs, and can supply additional certified medical coders to handle the expected increase in coding time needed under ICD-10. TBS warns that organizations that are unprepared could face productivity losses, coding mistakes leading to claim denials, and cash flow shortfalls in the millions due to the revenue impact. Their goal is to help clients transition successfully to the new requirements and avoid potential financial challenges through strategic planning and implementation of solutions.
Southwest Credit Systems is a national accounts receivable management company founded in 1974. It operates out of one collection center in Carrollton, Texas and aims to open an additional site. It services various industries including telecommunications, financial services, education, government, and utilities. Southwest Credit utilizes a customized collection strategy for each client incorporating scoring, analytics, and skilled collectors. It aims to maximize recoveries while maintaining high standards for regulatory compliance, security, customer service and performance.
El documento contiene varias preguntas sobre palabras y oraciones en español. Las preguntas cubren temas como partes de la oración, tiempos verbales, sinónimos y antónimos. También incluye una pregunta sobre palabras homófonas en español.
The document summarizes the student's work on a project to create mock social media pages for a hair salon client. There were several constraints to consider, including legal issues with using copyrighted fonts and images, and requiring parental consent for any models under 18. Financial constraints were avoided by using the student's own equipment and the college's facilities. The student created a production schedule to manage their time over three weeks. Feedback was positive about the realistic look of the mock pages, though some felt the image post fonts could look more authentic. Overall the experience improved the student's confidence in working with clients.
Whitepaper: How to Secure Financing for a Start-up Using a Feasibility StudyRK Fischer & Associates
The document discusses how a feasibility study can help secure financing for a start-up. It describes a case study where a feasibility study was performed for a new family entertainment business seeking $800k in financing. The study included developing a questionnaire, working session to identify potential weaknesses, a report with recommendations, and a 5-year financial model. Areas like revenue forecasts, expenses, staffing, and cash flow were analyzed. The outcome was the study helped address bank concerns and provided an objective validation of the business plan and financial projections.
Dun & Bradstreet presentation that guides small business owners on the steps to building a strong business credit profile, as well as highlights some of the benefits of a healthy business credit profile.
Swiftnlift Announces wealth management advisors to look for in 2021Swiftnlift
Providing oversights and strategic management of every aspect of a person’s financial activity from asset management to financial planning, risk management to retirement planning.
Sailax is an Indian startup that provides digital business cards through its mobile app. It was founded in 2013 with a mission of sustainability by replacing paper business cards. The app has over 100k downloads and provides features like contactless sharing, automatic updates, and CRM integration. The founder, Ajay Sharma, was inspired to create more affordable and sustainable solutions. Sailax aims to significantly reduce deforestation and carbon emissions from the billions of paper business cards printed annually.
1. QNET has been in business for over 12 years and has a proven track record of success and continued growth. It is a billion dollar company with a strong global infrastructure.
2. The company has strong capitalization and cash reserves to support continued growth through expanding into new industries and markets across Asia and other regions.
3. QNET offers unique products and services like bioscans and luxury watches that are not readily available elsewhere and have both existing and latent demand in the market.
The document describes a franchise opportunity for Today Dreams, a company that provides HR solutions and job placement services. It outlines three franchise tiers - state, district, and city - with varying fees and commission structures. The opportunity promises high profits by establishing franchise centers across India to offer job placement and career services. Infrastructure requirements for franchises include a 150 square foot commercial office space, internet, computer equipment, and adherence to branding guidelines. Interested parties are invited to contact the company for additional details.
Bryson Financial provides various financial services including retirement planning and employee benefits. They aim to develop close relationships with clients to understand their individual needs and design customized strategies. Bryson Financial draws on over 60 years of combined experience in the industry to assist clients. They strive to constantly adapt their plans based on changes in the industry and legislation to ensure the best outcomes for clients.
Jefferies Lungu Mutuku is a Kenyan man working in Afghanistan who is investing money back in Kenya and creating jobs. He has started businesses in real estate, transport, supplies and agriculture over the last three years. He works with ABC Bank in Kenya to manage his investments and send money home, and appreciates their advice and ability to facilitate transactions as if he was in Kenya. He is happy with the economic growth and stability in Kenya and looks forward to the new government creating more industries, jobs and supporting small businesses and entrepreneurs.
Overcoming roadblocks in creating a next generation accounting practiceCPA.com
Growing a leading client accounting services practice doesn’t happen overnight– it requires a well-structured business plan, highly motivated staff, best-of-breed technology solutions, and a client-centric focus.
As you embark on building an efficient practice that leverages innovative technologies and services, you may encounter some obstacles – from firm leadership and staff, as well as clients. Join us for a webinar where we will discuss how to overcome common roadblocks to achieve success.
30 best small companies to watch by The Silicon ReviewPavan Kumar
These companies are not only the best small brands in their particular sector, but are giving a tough competition to the industry leaders. The companies that are enlisted are known for their passion and commitment, ability to choose right employees and partners, customer centric approach and more over the ability to conduct business globally.
Sunil Mahajan is the co-founder and CEO of Kleeto, a company that provides record keeping services. Kleeto was conceptualized in 2010 based on Mahajan's personal experiences with misplacing important documents. The company launched in December 2010 and offers annual subscriptions for consumers and businesses to store both physical and digital documents. Kleeto has grown rapidly since inception by outsourcing non-core functions and focusing on reaching more customers through word of mouth, corporate partnerships, and offering document pickup and delivery. Mahajan sees significant potential for growth in the untapped market for record management services among consumers and small businesses.
This document provides an overview of various topics for financial advisors, including:
- Opportunities in the protection market in 2015 and tips for maximizing them.
- Changes to the EU mortgage credit directive taking effect in 2016.
- Considerations for pensions in the flexible retirement era.
- Support for auto-enrollment requirements for business clients' pension plans.
- A new intermediary mortgage service from TSB focusing on expert support and fast decisions.
- A promotion offering to waive adviser support fees for 12 months for new advisers recruited.
- Streamlined electronic identity verification to enhance the client experience and reduce costs/fraud.
Building and Sustaining a Business Development Culture _ Law Practice DivisionTea Hoffmann
This document discusses how law firms can build and sustain a business development culture. It notes that while many firms emphasize the importance of business development, few make training mandatory or hold lawyers accountable. The document outlines various approaches that firms take to promote business development, including mandatory and voluntary training programs, integrating business lessons, using successful rainmakers as mentors, and rewarding business development efforts. It stresses that to build a strong culture, firms must communicate the importance of business development and use a variety of training tools tailored to their lawyers.
The 10 most inspiring faces of business industry, 2021Swiftnlift
DuChange ABC Private Ltd is the perfect partner in creating high-performance organizations with #sustainability and #scalability strategies with continual improvements and integrated Management Systems.
H&R Block was founded in 1955 by Henry Bloch as a small accounting firm called The United Business Company. It has since grown to be the world's largest tax preparation firm, with over 13,000 offices. The document discusses H&R Block's history, mission, values, leadership, products, services, and organizational structure. It also analyzes the company's financial performance and perception in the tax preparation industry.
Wealth Finance February 2016 (Kepner Tregoe)Bill Baldwin
Kepner-Tregoe is a global management consulting firm that helps organizations improve critical thinking skills to drive operational performance. As CFO, William Baldwin manages finances, legal, IT, and HR functions. He has helped the company invest in new regions and capabilities while balancing financial stability. Kepner-Tregoe survived the 2008 financial crisis by quickly cutting costs and improving operations, and maintains a strong balance sheet to prepare for future crises. The company continues to adapt its services to emerging issues through consulting work and client feedback.
TBS provides consulting services to help healthcare organizations prepare for the ICD-10 transition deadline of October 1, 2015. They assess clients' coding needs and current readiness, provide training programs, and can supply additional certified medical coders to handle the expected increase in coding time needed under ICD-10. TBS warns that organizations that are unprepared could face productivity losses, coding mistakes leading to claim denials, and cash flow shortfalls in the millions due to the revenue impact. Their goal is to help clients transition successfully to the new requirements and avoid potential financial challenges through strategic planning and implementation of solutions.
Southwest Credit Systems is a national accounts receivable management company founded in 1974. It operates out of one collection center in Carrollton, Texas and aims to open an additional site. It services various industries including telecommunications, financial services, education, government, and utilities. Southwest Credit utilizes a customized collection strategy for each client incorporating scoring, analytics, and skilled collectors. It aims to maximize recoveries while maintaining high standards for regulatory compliance, security, customer service and performance.
El documento contiene varias preguntas sobre palabras y oraciones en español. Las preguntas cubren temas como partes de la oración, tiempos verbales, sinónimos y antónimos. También incluye una pregunta sobre palabras homófonas en español.
The document summarizes the student's work on a project to create mock social media pages for a hair salon client. There were several constraints to consider, including legal issues with using copyrighted fonts and images, and requiring parental consent for any models under 18. Financial constraints were avoided by using the student's own equipment and the college's facilities. The student created a production schedule to manage their time over three weeks. Feedback was positive about the realistic look of the mock pages, though some felt the image post fonts could look more authentic. Overall the experience improved the student's confidence in working with clients.
The document summarizes the design of a gearbox to lift an 8kg weight. It discusses the roles and constraints of the gearbox design. The team will use spur gears made of acrylic sheets due to material constraints. They will consider gear ratios, torque calculations, lubrication options and comparisons to other gear train designs to optimize performance within the constraints. The goal is to achieve the lifting capabilities of other designs through an elegant design that balances internal calculations and external aesthetics.
La trypanosomiasis Americana (Mal de Chagas) es una infección causada por el flagelo Trrypansoma cruzi . Se produce por factores bioecologicos y socioeconomicos (poblaciones rurales pobres en contacto con el ciclo salvaje y es transmitida por vectores naturales)
The brief requires the creation of promotional images and an offline social media profile for a hair studio within 5 weeks. Key opportunities include developing photography and design skills, learning industry terminology, and multitasking across different roles like photography and graphic design. The freelancer contributed initial ideas that the client then shaped into a formal brief tailored to their business needs and audience.
This document provides financial information for Icon Credit Union for 2015 and 2014, including income statements and balance sheets. Some key points:
- Total income increased from $13.7 million in 2014 to $14.3 million in 2015, driven primarily by higher interest income on loans.
- Total expenses increased from $10.1 million to $11.3 million, with higher loan losses and loan servicing expenses.
- Net income decreased from $2.6 million to $1.7 million after accounting for higher member dividends.
- Total assets increased from $227.4 million to $253.3 million, driven by growth in loans to members and cash/investments.
- The Supervisory
Urbanetectonics LLC 2023 Annual Letter to Membership
Company Website:
www.urbanetek2.com
Annual Letter - Recap and Quarterly Focus. Our first 100 days and annual outlook will be guided by our 2023 Quarterly Focus. The Quarterly Focus breaks our overall vision into an outline of short-term goals and key performance metrics for each industry- specific division.
Communication is key to our relationship. Stay on top of the latest developments at Urbanetectonics, LLC. How do you connect? Subscribe, Like, Follow, or Join one of our #powerofnext industry-specific social media handles. Get linked in to ask questions and/or to submit inquiries using the Urbanetectonics, LLC Linktree: https://linktr.ee/urbanetectonics You can also follow #powerofnext on any social media platform to connect on your interest in Urbanetectonics, LLC and/or one of its industry-specific divisions.
Omoka App is a financial records app available to smartphone users.
Omoka App allows self-help groups, conventionally known as ‘chamas’, to record financial information.
It adds to the table banking experience by providing a formal financial records canvas to an otherwise informal arrangement in the chamas.
This document provides an overview of First Bank, including its history, leadership, financial performance, employees, products/services, clients, and future outlook. Some key points:
- First Bank is a 100-year-old, family-owned bank with deep roots in its local communities. It focuses on long-term client relationships rather than short-term gains.
- In recent years it has improved financial metrics like loan originations and asset quality while controlling expenses. It has also invested in new services and technology.
- Employees often stay for decades and provide valuable expertise and service. They strongly support local communities through volunteer work.
- The bank tailors products and solutions to client needs across commercial banking
The document is Baker Tilly International's 2013 global annual review. It provides an overview of the accounting network's performance and opportunities. In 3 sentences:
Baker Tilly recorded a strong performance in 2013 with combined member firm revenues increasing for a third consecutive year, and welcomed seven new member firms, while existing firms expanded into new locations. The review showcases how the network operates worldwide, its culture, and opportunities it provides. An unwavering commitment to quality underpins everything the network does and it continually invests in tools and resources to enhance the high quality work and identify ways to remain positioned to provide premier client services.
Embrace Home Loans is a mortgage lender that has been in business for over 28 years. It employs 600 people across 46 states and focuses on customer service, innovative products, and investing in its employees. Embrace is committed to community involvement through charitable donations and employee volunteer programs. Despite economic downturns, the company has remained profitable for 11 consecutive years due to a strong financial position and ability to adapt to market changes.
Welcome to Browne Jacobson’s 2015/16 annual review. It has been another memorable year in which we both met and, in many cases, exceeded expectations.
We were delighted to deliver organic growth for the seventh year in succession, posting a 9% increase in work done to over £64m. The momentum from 2014/15 carried on and the results were in line with our own high expectations. It was particularly pleasing to see each of our five offices achieving growth - a further sign that the major investments we have made in recent years in new office openings, people and infrastructure have really started to bed in and deliver.
Whilst year on year comparisons are significant, it is also critically important to take a step back to truly assess how the firm has performed and developed. In the last five years alone we have opened offices in Exeter and Manchester and moved to new locations in Nottingham and London. Financially we have grown turnover by over 80% since 2011 - and this has been achieved organically through retention and growth of our clients and people, as well as new strategic hires and client wins. This puts into perspective what an incredible journey we have been on and how the business has been transformed.
https://www.brownejacobson.com/
This issue of Agency Spotlight magazine focuses on prospecting best practices from top agents, tips for managing slow periods, new tools for client relationship management, and improving office impressions. It also provides updates on company programs and recognition of top producers. Key articles discuss the systematic prospecting approach of Robert Edgin and how Brian Hayden achieves success through meticulous attention to detail.
Each response should be at least 200 words.Post Response # 1 He.docxmadlynplamondon
Each response should be at least 200 words.
Post Response # 1: Hey class, I would like to enlist the March of Dimes to assist with providing support for pregnant women and mothers of small children in my community. I love this organization because they believe that all babies deserve the best possible start. March of Dimes has been around for over 80 years and has helped millions of babies. They do allot to help educate people about best practices for expecting mothers and babies. When my close friend’s son was in the NICU, they helped provide her and her family comfort and support.
On Saturday, April 18th myself and three close friends will walk three miles at City Park to help to raise funds to support research, advocacy and programs for the health of all moms and babies. I did this last year as well and it was a blast! We bring our kids and come together to celebrate our experiences and beautiful children. It brings the community together and we help raise money.
CBO’s support the community. According to the U.S. Department of Education (2004), the term community-based organization (CBO) means “a public or private nonprofit organization of demonstrated effectiveness that (A) is representative of a community or significant segments of a community; and (B) provides educational or related services to individuals in the community.” Technology has become increasingly important to manage operations and develop solutions.
My Response:
Post Response 2: Hello Everyone, I have chosen the Autism Society as my community-based organization (CBO) to assist with providing services to autism in my community as this is an issue that hits close to home as a few of my friends have children with Autism. Living in small community Autism resources are not readily available as they are for cities at least 45 minutes or more away from our town. Shawano does, however, have an organization called Bridge the Gap, which does assist with this population. However, this is not enough. I would enlist the help of the Autism Society with funding to help this organization help even more people, provide services that are not yet available in the community, providing funding to not only the program but to families to afford these services and provide education for the community, among other items as well. The mission of the Autism Society of Greater Wisconsin is, “…to provide a community for individuals affected by autism, their families, and professionals who serve them. Our goal is to increase the quality of life for those affected by autism and respond to the emerging needs of the autism community” (Autism Society of Greater Wisconsin, 2020). With this mind, I would want these efforts to improve the lives of people and the families affected by autism by providing support, accurate information and resources, referrals, education, and community development. I would also enlist the help of community members and families affected by Autism to assist in writing lette ...
This document provides talking points for an Ameriprise Financial earnings call for the third quarter of 2006. It discusses key challenges faced after becoming an independent company, solid financial results for Q3 including revenue and earnings growth, progress on strategic objectives, and segment financial results. Management is satisfied with executing the separation while delivering business results and feel the company is well positioned for continued growth.
Callcredit Corporate and Corporate Responsibility Report 2015, about 2014Gavin McNaughton
The corporate report provides an overview of the company's strong financial performance in 2014, with revenue increasing 19% to £150 million and profit before tax growing 9% to £29.3 million. The CEO discusses ambitious growth plans to expand the company's data, software, and consumer solutions internationally while continuing to invest in people. The report also outlines the company's focus on empowering consumers through innovative products, commitment to corporate responsibility, and evolution of data analytics to enable smarter decisions.
- Ameriprise Financial held a second quarter 2006 earnings call to discuss financial results and progress on strategic objectives.
- Key highlights included adjusted revenues growing 13% and adjusted earnings growing 22%, above long-term targets. Adjusted return on equity improved but was below the 12-15% target.
- The company executed several strategic initiatives including growing the mass affluent client base, maintaining a focus on financial planning, improving advisor productivity, developing new products, and ensuring an efficient operating platform.
- Financially, the quarter saw strong operating performance with adjusted earnings of $195 million, up 22% year-over-year. The company continued optimizing its capital structure and returning capital to shareholders
Money Forward published its 2023 Integrated Report which outlines its mission to create a society free from financial anxieties. The CEO message discusses Money Forward's growth over the past 10 years and its strategies for continued growth. Key points include: (1) Reinforcing synergies between business domains to improve productivity; (2) Enhancing its back-office SaaS platform and expanding offerings for medium and large companies; (3) Investing in technology such as AI and expanding its global engineering team. The goal is to continue supporting individuals and businesses in moving forward financially.
- The document is Money Forward's 2023 integrated report, which includes the CEO's message.
- In his message, the CEO discusses how Money Forward has grown to serve over 230,000 businesses and 14 million individuals in Japan, helping them reduce financial anxieties.
- He outlines Money Forward's four growth strategies for the coming fiscal year: enhancing their back-office SaaS platform; maximizing synergies between business domains; creating new value by integrating SaaS and fintech; and continuing disciplined M&A.
- The CEO expresses confidence that by investing in technology and talent, Money Forward can have an even greater positive impact on society in the next decade as it helps more individuals and businesses
The 10 most innovative business leaders making a difference in 2021Swiftnlift
The Nitya Capital , based in Houston, TX, is a privately held real estate investment firm that owns and manages ~$2 billion in real estate assets across the US. The firm is vertically integrated to have a deep focus on acquisitions, asset management, and property management.
Download the newest edition of the CLA Promise Report, highlighting some of the inspiring initiatives and activities that you have contributed to — and our focus for the year to come.
This document is Access Bank's 2004 annual report. It discusses the bank's strong financial performance in a difficult year for banks. It highlights the bank's unique culture and customer-focused business model that prioritizes customer experience. It also discusses the bank's expertise in specialized areas and efforts to build its world-class corporate identity. The report notes the bank's goals to become one of Nigeria's top 5 banks and prepare for industry consolidation by increasing its capital.
The document provides an annual review of Baker Tilly International's performance in 2015 and outlook for 2016. Some key points:
- Baker Tilly saw its strongest revenue growth since 2008, with a 7% increase to $3.8 billion driven by growth across all regions and service lines.
- Many member firms grew through strategic mergers and acquisitions which expanded geographic reach, capabilities, and collaboration opportunities.
- Looking ahead, the network will focus on investing in skills and technology to provide more holistic client services, and launching a new global audit methodology. Continued growth will depend on adapting to changes in technology and business models.
Michael Pennisi, CEO of QSuper, one of Australia's largest pension funds, led a major transformation of the organization in response to a change in government policy. This required QSuper to shift from a closed fund serving only government employees to an open fund competing for private sector customers as well. Pennisi restructured operations to streamline processes and decentralized decision making. QSuper also embarked on a digital rebuild, launched new products, and improved customer service to enhance the member experience. The transformation required a shift in organizational culture to embrace more commercial approaches while retaining core values of trust and financial strength. Pennisi emphasized effective communication, transparency, and investing in employees to guide the large-scale changes successfully.
Health Net aims to become a great customer solutions company by understanding customers' needs and integrating services to solve their problems. The company conducted research finding customers want partners, not just products. This led Health Net to focus on targeting specific customer segments and providing seamless solutions through multiple coordinated services. The company's strategic plan involves improving basic customer service, defining its brand promise around solutions, ensuring competitive products, and boosting efficiency to support integrated customer solutions by 2009.
2. We live in a world where standing still is not an option. Life today is one of change —
change necessary to remain relevant.
As we look back on our year, the idea of reinvention seemed to best encapsulate a time in
which we took risks, created exciting initiatives and became fearless in our pursuit of new
goals and challenges.
We define our company through reinvention — knowing that to best serve our members
and our industry, we must constantly strive to transform and grow by maintaining a clear
vision of the road ahead.
3. At the heart of technology is
invention — or perhaps better, reinvention, as almost
every invention builds upon something that existed in some
manner before. In financial services, this means redefining
the interface between the customer and the financial
services provider, refining the systems by which financial
transactions take place, and reimagining the customer
needs that the financial organization will serve. At Tech CU
in 2015, we accomplished all of these “reinventions.”
One of the key channels by which the credit union meets
current and prospective members is through our branches.
We reinvented the Tech CU branch in 2015 with a new
concept on display at our relocated Fremont branch, our
new San Francisco branch and our redesigned San Jose
headquarters. I hope you find these branches as
eye-catching, efficient and engaging as I do.
We also face current and prospective members by
showing our brand as often and as effectively as possible
— maintaining name recognition and gaining financial
services mindshare. We reinvented the Tech CU brand
with an advertising campaign spanning the entire year.
We employed a broad array of media, both physical and
electronic, to materially increase brand awareness. We
are continuing this campaign in 2016.
We rededicated our focus in 2015, calling it “The Year of
the Member” and reestablishing a meaningful increase in
membership as one of our annual corporate goals. We
were successful in this — generating the highest number
of new memberships in seven years and increasing net
memberships by over 4%, well above the national average
credit union growth rate of 3.4%. This also represents
member acquisition growth of 76% in 2015, compared to
the prior year. This growth, with an even more ambitious
net membership goal, will continue to be a focus in 2016.
On the personal banking side, we reinvented many of
the systems through which individual members transact
business with us. For example, we updated our mobile app,
added Apple Pay and greatly improved our online account
opening process. Our commercial banking program is
something that sets us apart from most of our credit union
peers. We reinvented ourselves here by adding asset-based
lending to our suite of business lending products,
augmenting our business online banking platform with
mobile and tablet applications, and redesigning and
expanding our loan participation purchase and sale
program with other financial institutions.
Finally, we announced a major executive transition,
with our CEO, Barbara Kamm, retiring in mid-May and
our CFO and CAO, Todd Harris, moving into the CEO role.
The inauguration of a new leader is certainly a form of
reinvention, as the new leader puts his stamp on the
organization. Let me add from the perspective of the
Board, just how much we have valued Barbara’s
outstanding leadership and direction of the credit union
for the past six years. After a careful and deliberate search
process, we as a Board are unanimous in our view that
Todd is the right person to be Barbara’s successor.
The role of the Board of Directors is to provide oversight
and direction to this reinvention activity. We ensure that
management is adding products, services and personnel
in a manner that is strategically sound and fiscally prudent.
I believe that our results for 2015 demonstrate that we are
successfully fulfilling this role, and we look confidently into
the future as a “reinvented” Tech CU.
The role of the Board of Directors is to provide oversight and direction
to the company’s reinvention activity.
Mical Atz Brenzel
Chairman of the Board
of Directors
4. We have risen to the challenge and created solutions we feel break
through the crowded marketplace.
You may have heard the expression,
“Reinvent or Die” — or some version of it. It’s been a Silicon
Valley rallying cry over the years because our community is
a place where things move very quickly and competition is
fierce. Although financial services may have once been a
more staid and conservative place to hang your hat, we too
must reflect the fast-paced environment surrounding us.
Ultimately, it all comes down to staying relevant in the
minds of our members.
We are witnessing great change in our industry and in
consumer behavior today. And, while we may have once
been worried about the FinTechs — those financial
technology startups that are introducing new ways of
accessing financial products — we have risen to the
challenge and created solutions we feel break through
the crowded marketplace. Competition offers us an
opportunity to do even better when it comes to our
member experience and service level, while still offering
our members the safety and soundness of a strong,
regulated and insured financial institution.
Just a few of the ways we “reinvented” Tech CU to provide
convenience and exceptional service in 2015 include:
Acquisition of Sunnyvale Federal Credit Union. This past
year started off with a bang as we acquired SFCU — allowing
us to expand in our market while giving SFCU members the
benefit of a broader variety of products and services.
Transforming and expanding our branch footprint,
including opening San Francisco, relocating Fremont and
remodeling San Jose. All three of these reflect our new
branch design — incorporating interactive technology
to help you learn about personal finance and a floor plan
designed to facilitate one-on-one consultations. And, in
order to ensure our branch employees have a well-rounded
base of knowledge and expertise, approximately 30% of our
personnel became Certified Financial Counselors in 2015,
with more to come this year and beyond.
Expanding your ease-of-use by launching products that
help you bank at your convenience. These include our “Call
Me” call back service, our online appointment scheduling
service, Apple Pay, and numerous upgrades to our Mobile
App, such as Touch ID and an Apple Watch interface.
Launching a brand new, innovative and award-winning
advertising campaign, “Bank Happily Ever After.” To get
the word out about who we are, in 2015 we launched ads
on billboards, cable cars, BART, on the radio, TV and in movie
theaters — all geared toward communicating that we’re
large enough to provide all the access and convenience of a
big bank and small enough to offer exceptional, personalized
service. We also did much of the legwork for our new web
site which launched in March 2016.
Being the first credit union in the U.S. to offer Asset-Based
Lending. We now offer asset-based working capital lines of
credit to companies looking for an alternative to traditional
sources of financing. We hired an expert team and have
installed a new system to support this group.
Achieving record loan growth in 2015 by streamlining
our loan processing and funding systems — making our
application and approval processes faster and easier.
We also launched such products as Personal Loans;
Stockpile, which allows you to buy fractional shares of
stock; and a comprehensive online insurance offering.
Finally, as is often said, change is the one constant in life.
To this end, after leading the company for over six years,
I've decided to retire this May, although I will remain on the
Board of Directors. I’m proud of all we have accomplished
during this time, including restoring the company to
profitability; growing our loan portfolio; building a strong
management team; introducing a full range of commercial
loans; adding Wealth Management to our portfolio of
products; and offering leading-edge technology to our
members. I’ll be passing the reins to Todd Harris, our
current CFO and Chief Administrative Officer.
With his nearly 25 years of experience in financial services,
including in the banking, credit union and leasing company
sectors, Todd has the experience, vision, leadership and
knowledge this organization requires. During his time at
Tech CU, he has been instrumental in leading a variety of key
initiatives aimed at improving the member experience. I am
confident that he and our excellent board will continue this
legacy of growth while ensuring a great member experience.
I know you have many choices when it comes to your
financial institution, and we greatly appreciate your
membership. At Tech CU, we always have your best
interests at heart and look forward to continuing to
serve you in the years ahead.
Barbara Kamm
President and CEO
5. 2015 marked another successful year
of serving our membership with exceptional financial
products and services, as we expanded our capabilities
in the dynamic Silicon Valley marketplace. The continued
strength of the regional economy resulted in robust
demand for mortgages, auto and home equity loans,
with Tech CU experiencing growth in each of these areas.
We designated 2015 as the “Year of the Member.” With
this theme in mind, we continuously looked for new ways
to improve your experience with us — be it through a new
product or service or by simply making it easier and more
convenient to bank with us. It all begins with listening to
you and gathering your feedback.
I’m pleased to report that our Retail, Wealth Management
and Commercial Banking Divisions all performed well with
these objectives in mind.
In our Retail Banking Division, we worked to improve the
branch experience for our members by renovating several
of our locations. These branch renovations will continue
throughout the next few years. We introduced “Tech
LiveConnect” in three of our branch locations to allow
members more convenient access to Wealth Management,
Commercial Banking and Mortgage professionals via a
video conferencing platform. We also introduced an
enhanced online account opening platform — providing
members the flexibility to open a Tech CU account from
just about anywhere.
Our Wealth Management Division continued to expand its
product offerings. We introduced an enhanced insurance
product with expansion into an online insurance service
channel. We also partnered with Stockpile — offering
fractional shares of stock for purchase from our website,
including virtual gift cards for family and friends. A new,
personal line of credit and automated advisor platform
are on our roadmap for 2016.
The Wealth Management Division grew total member
assets under management to an all-time high. We are also
pleased to report that one of our financial advisors achieved
President’s Club status for the third year in a row, the
highest award bestowed by Cetera, our broker-dealer.
Our Tech Wealth Management program was ranked among
the top two credit unions within the Cetera asset category
for 2015.
Our Commercial Banking Division continued to expand and
grow in 2015 by providing our members with commercial
real estate, construction, multi-family and SBA lending.
An exciting development was the addition of asset-based
lending as part of our commercial lending product set. This
allows Tech CU to serve growth-stage companies along
with well-established, small- to middle-market businesses
in need of working capital lines of credit. By adding this
specialty, we now carry the distinction of being the only
credit union in the country to provide this type of
commercial lending.
Everything we do at Tech CU starts with our commitment to
you. Thank you for the privilege of serving you, your families
and your businesses during 2015.
It all begins with listening to you and gathering your feedback.
Joe Anzalone
Chief Banking Officer
6. 2015 was a record year for Tech CU
as we posted record loans of $1.321 billion, record
assets of $2.066 billion, and record deposits of $1.849
billion. Because of the large growth we experienced in
2015, Return on Assets (ROA) decreased a small amount
to .73% from .80% the year before. However, our credit
quality remains excellent and our net worth ratio remains
strong, well above 10%. We funded $689 million in loans
in 2015 — representing a $176 million increase, or 34%
more than last year.
Net income for the year was $15.1 million, compared to
$14.6 million in 2014, reflecting an increase of $417,000.
If provision expense were excluded, income would have
improved $1.3 million year-over-year, as 2014 included a
$1.5 million credit to provision expense while 2015
included only a small $223,000 credit to provision expense.
For the third year running, our credit quality measures
are among the best in the industry. Total reportable
delinquent loans remained low at .19% and the
commercial loan portfolio had no delinquencies at year
end. The credit union experienced net recoveries of
.03% in 2015 compared to a net charge-off rate of .19%
in 2014, and the coverage ratio was more than 400%. All
of this created an environment where loss reserves could
be safely reduced for the third year in a row. Standing at
.88% of total loans, our allowance remains at the high
end of our peer group.
In 2015, we continued to innovate and enhance our
member experience or “ease of doing business.” We
created a new lending interface using a responsive
design — allowing members to apply for loans using
computers, tablets and phones. This new interface
provides a credit decision within seconds of submitting
the application and, for existing members, all of their
base information auto-fills, saving significant time. In
addition to the many member conveniences mentioned
by our Chairman Mical Atz Brenzel and our CEO Barbara
Kamm, we have automated a number of previously
manual processes. In past years, a member would have
to come into a branch or call us to skip a loan payment
(Skip-A-Pay), change an international address or
schedule a branch appointment. Today, all of these
services can be performed online. Our mobile app
function has also improved — allowing members to
stop check payments and schedule appointments.
We will continue to expand services, enhance
ease-of-use and provide the most favorable pricing.
It is our mission to provide our members with the
services they want, when they want them and through
the channels of their choice — be it through our
branches, our call center, online or mobile.
As you know by now, Barbara Kamm will be stepping
down as CEO in May. I want to personally thank Barbara
for her outstanding leadership and direction of the credit
union over the past six years. She will remain on Tech
CU’s board, allowing management to still benefit from
her and the rest of our excellent boards’ counsel,
guidance and direction. I am honored to be appointed
Barbara’s successor, and I know with the support of our
management team, employees and board, we will
continue Tech CU’s legacy of success by providing
technology and personal expertise that inspire, educate
and empower our members to succeed financially.
It is our mission to provide our members with the services they want —
through the channels of their choice.
Todd Harris
Chief Financial/
Administrative Officer
8. Bob Luong
Chairman of the
Supervisory Committee
Tech CU’s Supervisory Committee
is made up of five volunteer members who are not
directors, officers or employees of Tech CU. The
Supervisory Committee is responsible for reviewing the
credit union’s policies and control procedures to safeguard
against fraud and self-dealing and may inspect or cause
audits of the securities, cash and accounts of the credit
union. The Committee also oversees the annual audit of
Tech CU’s books and records and reports on the assets
and liabilities, receipts and disbursements of the credit
union to the Board of Directors.
In performing its functions, the Supervisory Committee
acts only in an oversight capacity and necessarily relies
on the work and assurances of Tech CU’s management,
which has the primary responsibility for financial
statements and reports, and of the independent auditors.
The auditors express an opinion on the conformity of the
credit union’s annual financial statements to generally
accepted accounting principles. In fulfilling its oversight
responsibilities, the Supervisory Committee reviewed the
audited financial statements for the fiscal year 2015,
discussed them with management, and spoke with Tech
CU’s independent auditors, Crowe Horwath LLP, without
management present. The Supervisory Committee
discussed with the auditors matters required to be
discussed by Statement on Auditing Standards No. 114
(The Auditor’s Communication with Those Charged with
Governance) as amended, including the auditors’
judgment about the quality as well as the acceptability
of the credit union’s accounting principles, as applied in
financial reporting.
Based on the Supervisory Committee’s discussion with
management and the independent auditors and the
Supervisory Committee’s review of the report of the
independent auditors to the Supervisory Committee, the
Supervisory Committee recommended that the Board of
Directors approve the audited financial statements for
the year ended December 31, 2015.
In addition to the responsibilities described above, the
Supervisory Committee is authorized under applicable law
to consider potential violations of the California Financial
Code or the bylaws, or any practices of Tech CU which, in
the opinion of the Supervisory Committee, may be unsafe
or unauthorized. During the calendar year ended
December 31, 2015, the Supervisory Committee did not
discover any violations of the California Financial Code or
the bylaws or any practices which, in the opinion of the
Committee, were unsafe or unauthorized.
(From Left to Right): Tom Hall, Former Chairman; Jeffrey M. Lee;
Karen Rogge; Bob Luong, 2016 Chairman. (Steven Fisher,
Secretary, missing.)
SUPERVISORY COMMITTEE
We continue to innovate and enhance our member experience or
“ease of doing business.”
9. At Tech CU, we focus on creating
pathways and opportunities for our local communities
to succeed and thrive. This means partnering with
forward-thinking organizations that address some of
the toughest local issues — including education reform,
workforce development and affordable housing. We
engage with, invest in and promote innovative programs
and policies, such as SB 850, which allows community
colleges to offer a limited number of bachelor degrees
(signed into law in September 2015). We also supported
such affordable housing developers as MidPen Housing by
underwriting $4.9 million in commercial real estate lending
— helping to ease the housing burden for families in the
region. Additionally in 2015, we were honored to have been
named one of the Top 50 most philanthropic companies in
Silicon Valley.
A few of our notable activities this past year include:
Community Grant Challenge
As part of our San Francisco branch expansion, we launched
a Community Grant Challenge — providing members and
the extended community the opportunity to participate in
grant making. Three San Francisco-based organizations
were chosen for their core mission and fit with our
community engagement mission: New Door Ventures,
which aims to employ youth ages 16-24 through
training, placement and job experience; Full Circle
Fund, which focuses on engaged philanthropy; and
Glide Foundation, whose goal is to break the cycles
of poverty and marginalization.
Next Generation Science Educators
Investing in education, specifically STEM (Science,
Technology, Engineering and Math) is key to our
community values. We partnered with RAFT (Resource
Area For Teachers) and the New Teacher Center on the
Middle School Next Generation Science Standards (NGSS)
Leadership Alliance Program. This aims to strengthen
science education while building teacher confidence when
employing hands-on learning in the classroom.
Team Tech CU
From our executives to branch staff, Team Tech CU was well
represented in the community this year. With the addition
of our new, paid Volunteer Time Off, employees could be
found helping students at the Tech Museum’s Tech
Challenge, volunteering on College Day at local schools,
participating in the Silicon Valley Turkey Trot, and sorting
both backpacks and holiday gifts for the Family Giving Tree.
We also served breakfast at Glide Memorial, provided
financial literacy training for students with Breakthrough
Silicon Valley, and led student networking events at San
Jose State University. Several of our employees are part
of Leadership San Jose, while company executives sit on
various boards, including Joint Venture Silicon Valley, Silicon
Valley Leadership Group Foundation, SJSV Chamber of
Commerce, Housing Trust of Silicon Valley, SJSU Alumni
Association and Innovation Tri-Valley.
Tech CU has invested over $1.2 million in the local
community. We intend to continue investing both our
time and treasure in the future.
Additional organizations we supported in 2015 include:
• Downtown Streets Team/KARTMA
• Happy Hollow Science Program
• ALearn
• Tipping Point
• WANDA (Women’s Achievement Network and
Development Alliance)
• American Leadership Forum
• Silicon Valley Reads
• Startup Weekend — Santa Clara University
• Silicon Valley Council of Nonprofits
We partner with forward-thinking organizations that address some
of the toughest local issues.Community and
Government Relations
10. Board of Directors
(From Left to Right): Joe Shepela; Robert E. Bylin, Vice Chairman; Jack Wedgwood; Karen Brochier; Barbara Kamm, CEO &
Treasurer/Secretary; Kirk Bloede; Mical Atz Brenzel, Chairman; Rob Herb; Peter Donahower.
11. Managing Committee
(From Left to Right): Debra Bowman, SVP, Retail Banking; Jeannie Sugaoka, SVP, Support Services; Kate Duggan, SVP, Marketing; Al Cadman, EVP,
Chief Credit Officer; Jeannine Jacobsen, SVP, Chief Risk Officer; Todd Harris, EVP, Chief Financial/Administrative Officer; Angie Hernandez, SVP,
Credit Administration; Joe Anzalone, EVP, Chief Banking Officer; Barbara Kamm, President/CEO; Rebecca Nelson, SVP, Wealth Management.