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Credit Union CFO Focus: Kickstarting a culture of efficiency

first_img 16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Many experts claim to know the biggest threats to the future of community financial institutions. Increased competition, improved technology and added regulation are certainly high on that list. Industry specialists also claim to know what the future will be. But does anyone truly know? No one can predict the future, yet we want to ensure each of our financial institutions will still thrive. One thing is certain: Institutions will get and stay profitable if they can efficiently serve their customer needs.Recent history has proved that financial institutions have had and will have fewer and fewer face-to-face customer transactions. This means every interaction has to be the best possible to “wow” our customers. Furthermore, technology advancements are enabling us to improve efficiency at a faster rate than we could in recent past. With these two key characteristics in mind, how can a financial institution make the most effective changes and keep efficiency in the forefront?Instill efficiency in the culture of the institution. Sometimes an efficiency review needs to be performed as a separate project to act as a catalyst—to kickstart a culture of efficiency. First, identify an efficiency and effectiveness committee composed of key associates who can represent and/or understand all areas of the credit union.These people aren’t necessarily the management team or department heads—in fact, sometimes the best members for this committee are not managers, but the employees on the front line conducting day-to-day business. The management team and this newly formed committee should then determine if the efficiency review would be best led internally or by a third-party vendor, weighing costs vs. the external knowledge, expertise and focus. continue reading »last_img read more

Horgan – Ireland can win World Cup

first_img Press Association Horgan admits however that Ireland must scale the mental hurdle that accompanies what would represent the “uncharted territory” of contesting a first-ever World Cup semi-final. “I think Ireland have the capacity to win the competition,” Horgan told Press Association Sport. “If you look at the potential draw they have, they’ve got one big northern hemisphere game against France. “That would put them into a quarter-final against Argentina, then it could be a semi-final against England, and anything can happen from there. “But you have to frame that against the fact that Ireland have never been to the semi-final before. “It’s not something they are used to be doing. “It’s really uncharted territory.” Horgan believes Ireland’s tournament-winning experience at both club and Test level leaves Schmidt’s squad better-placed than any in the past for World Cup success. Former British and Irish Lions wing Horgan believes Joe Schmidt’s men “have the capacity” to win the autumn’s World Cup – but only if they hold their nerve. The ex-Leinster and Ireland battering ram is confident back-to-back RBS Six Nations titles can hand head coach Schmidt’s men an edge in England. The 65-cap wing was part of the 2007 World Cup “disaster” where Ireland failed to reach the knockout stages, that sowed the seed for Eddie O’Sullivan’s departure after the 2008 Six Nations. Horgan, now working as a lawyer in London, insists Ireland will approach this year’s World Cup a team transformed, now equipped to reach that elusive first semi-final, and move further still. “In the 2007 Six Nations we didn’t quite pull off our run chase against Italy, we went into that World Cup really expecting big things and it ended in disaster,” said Horgan, speaking to back Land Rover’s ‘We Deal In Real’ campaign. “So you have to be able to deal with the psychological side of things. “Our team in 2007, we won a number of Triple Crowns, but we hadn’t won a championship. “This team do have those kinds of championship wins behind them though. “So you would think they would be able to deal with it well, but there is a step-up psychological pressure that comes with the World Cup. “It’s a different kind of pressure and it’s one they’ve got to handle. “The experience of winning back-to-back Six Nations titles is going to stand them in great stead with that. “Ireland don’t win very many championships, so it’s been a remarkable run. “Even if Ireland hadn’t won the championship they would still have taken a great deal out of everything that went on. “It’s a very good group of players that have had significant success in their careers. “You’re talking guys who have won two or three Heineken Cups, Grand Slams, championships and Pro12 titles. “But you’ve got key decision-makers in the key positions, Murray and Sexton both performing well, Sean O’Brien and Jamie Heaslip going well too. “Now there’s a front-row that has four props that can hold their own at Test level. “And then there’s Joe Schmidt who is an exceptional technical coach, and those things combined are providing a successful period.” :: Land Rover ambassador Shane Horgan was speaking as part of the ‘We Deal In Real’ campaign, championing the people at the heart and soul of the game by putting grassroots clubs on the global stage. @LandRoverRugby #WeDealInReal Ireland must conquer the “step-up in psychological pressure” to become genuine World Cup contenders, according to Shane Horgan.last_img read more

AP source: NHL Players’ Association’s executive board voting on 24-team playoff proposal as return to play format

first_imgAP source: NHL Players’ Association’s executive board voting on 24-team playoff proposal as return to play format May 21, 2020 Share This StoryFacebookTwitteremailPrintLinkedinRedditTORONTO (AP) — AP source: NHL Players’ Association’s executive board voting on 24-team playoff proposal as return to play format.,Tampa Bay Lightning advance to face Dallas Stars in Stanley Cup finals, beating New York Islanders 2-1 in OT in Game 6center_img Associated Press last_img