战略明晰方法介绍

XXX公司协作的业务模型 方法论 xx咨询协作业务模型 概述n企业的效益是老总最为关心的话题，而效益的缺失也就意味着战略承载的失衡，也就是说，企业的战略无法得到有效的落实，成了空中楼阁。对于这一问题，我们无法将其简单归因于战略制定、员工能力、绩效体系等单一的问题，而是需要在整个业务架构上寻求破解。战略业务模式业务流程作业程序业务架构访谈、用户调查、报告结构技能和资源来源业务能力战略/计划/创新/品牌/企业文化采购仓储计划 调度车间质检成品分销配送服务差额n应用n系统n网络企 业 信 息 管 理人 力 资 源 管 理财 务 会 计 管 理行 政 后 勤 管 理2 xx咨询业务战略明晰n业务战略明晰n业务目的&目标n业务战略概述 n业务流程 n业务目标和业务流程的映射n活动矩阵n活动模板和活动矩阵处理n业务组件边界定义n业务流程/组件状态图表n业务组件的战略作用3 xx咨询业务战略明晰业务战略明晰概要n业务战略明晰阶段由一系列分析组成这些分析设计用于将业务的优先级及目标与下阶段构建业务模块或业务的“组件”联系起来。这些连接用于确保未来流程、组织和系统变革与业务目标的完成紧密一致。n这个阶段包含二个业务目标&目的创造经济价值的映射步骤，第一步收集高水平的业务流程（业务组件的主要功能），第二步根据业务活动的共性化的用途分离业务组件（构件业务模块）。业务组件在协作商务中是关键的概念。n使用CBM采用协作的、专门的组件为企业建模，根据其支持的系统、组织描述业务活动的组件。也可能分解一个组件为几个子构件，企业里同一级别的组件集，不能互相交迭，他们总体覆盖企业的所有方面，并匹配所有的业务需求。组件是有边界的。业务目标业务目标&目的目的业务流程业务流程(级别级别 2/3)2/3)一个业务活动可能支一个业务活动可能支持许多业务流程，但持许多业务流程，但是属于一个单一的业是属于一个单一的业务组件务组件III1.11.3 1.41.21.5 1.61.71.81.9业务活动业务活动业务组件业务组件绩效矩阵绩效矩阵4 xx咨询列出了6个或这样的业务目标，而且将业务目标与考量业务性能目的联系起来，如：目标：在选择的客户/产品片方面增加市场份额目的：年财务从12%上升到15%。收入：净利润每年增加$100-$150m目的和目标从可用到的业务单元的计划、战略和预算文件获取，通过高级管理者访谈和评论/讨论。确定每个目标的所有目的相当的（可能的）经济作用，使用价值树为每个目标统计可能的经济作用，这些价值仅仅为了比较的目的，不同目标的详细说明有益于不同时期的实现的可变性，为了简单化和一致性，一个共性化的结构用于描述所有目标的经济价值。业务目标&目的维度和属性n选择有代表性的六到八个业务目标n目标组关注于：实现成本减少/改良效率创造新的收入/能力平衡减少风险或开发新的机会n目标直接或间接的与业务的财务方面有关联，评估可能的经济价值作用(基于确认的价值分析树原则)n定义运算法则。n价值分析树，用于定义目标的运算法则价值分析树EXAMPLE自有服务渠道的服务交易百分比 可用服务百分比-到达市场/标准产品的平均时间平均成本/新产品发布能力课堂培训成本 P/FTE#Products Held/Customer%Offers Made销售成功百分比利润数量/成功销售广泛可用的联系历史广泛可用的客户档案平均客户开销实施价格变动的成本实施价格变动的时间需要新合同的客户转换率 年度客户转换总量 Capital ChargeRevenueNOPAT*Invested CapitalWACC财产财产车间车间&设备设备 Financial Value Drivers负债成本负债成本股权成本股权成本原材料成本原材料成本设计及研发成本设计及研发成本制造成本制造成本市场营销成本市场营销成本Competitive Advantage PeriodEBIT MarginCash Tax产业结构产业结构竞争位置竞争位置 可持续性可持续性Business Objective 1Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 2Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 3Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 4Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 5Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3课堂培训时间%TSC turnover(从受雇之日起至在职培训完成%Offers Made目标数量绩效度量绩效度量每次呼入的混合AHT成本Capital Charge收入收入单价单价 总量总量NOPAT*Invested CapitalWACC营运资本营运资本财务价值驱动财务价值驱动资本结构资本结构劳动力成本劳动力成本Competitive Advantage Period息税前利润率息税前利润率Cash Tax商业目的 1Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3商业目的 2Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3商业目的 3Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3商业目的 4Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3商业目的 5Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 35 xx咨询业务战略概要是一个可选部分，依赖于对象组织自身战略业务规划文档的完整性。非常清晰的表明的重要性在于它并不表示任何作为一个正式的战略业务规划努力的CBM发布版本。其出发点是使那些作为CBM发现的观众的员工不可轻易的访问到有关业务战略细节的业务战略文档。业务战略概要是现有业务战略的摘要，或者如果没有类似文档时可从1.1-3中数据采集及分析中得到。它表征了某些为其他CBM发布版本提供通用文本的摘要方面/组织业务规划环境中的某些考量点。应被记述为容器/其他第一阶段发布版本的介绍，以创建一个单独而统一的阶段报告。业务战略概要维度和属性n包括所有可用于完善统一的阶段报告的通用文本及内容描述，概要应包括选定的统一描述，表，日程，将被用于在一个精确的格式下提供充分的文本。总之它不应仅只是几页文章。n可能的主题包括:产品&市场细分Bases for Differentiation 差异化的基础SWOT(按业务线/业务单元划分)Key Planned Initiatives/Projects关键规划动因/项目客户档案/关键客户Deliverable Descriptionn任意格式的多章节报告（作为一个整合的阶段报告的一部分），其中整合了关于业务战略洞察摘要的文本、表格和简单的图表描述关键竞争者战略市场状况Business Volumes&Projections市场趋势/事件6 xx咨询示例：在战略明晰阶段，我们使用价值驱动树分析来给出可能的潜力区域.-业务目的业务目的%Of Service Transactions on Self Service Channels%Of Self-service Availability Average Time to Market/Standard Product Average Cost/New Product Launch Capacityh Classroom Training Duration%TSC turnover(from time of hire through completion of OJT)Classroom Training Cost P/FTE#Products Held/Customer%Offers Made%Successful Sales Amount of Profit/Successful Sale Contact History Widely Available Customer Profile Widely Available Average Customer Spend Target Population Cost to Implement a Price Change Time to Implement a Price Change%of Account Transfers Requiring New Fulfilment Annual Account Transfer Volume 绩效度量绩效度量Product Development Time and CapacityOptimised PricingImprove Product Transfer CapabilityEnhance Self-Service CapabilitiesSuperior Cross-sellingSuperior Quality Optimise Customer Service Complete Customer UnderstandingImprove Product Development Time and CapacityCreate and Support Customer Level PricingImprove Product Transfer CapabilityImplement Parameter Based Business RulesOptimize Self Service CapabilitiesIncrease Effectiveness of CrosssellingImplement Cost Effective Testing Ability Rapid Internet DevelopmentEnhance Customer ServiceProvide a Complete Customer View and Leverage Customer BehaviorImprove Workflow CapabilitiesImprove Instant Decisioning CapabilitiesReduce Training Time and CostsProvide Flexibility to Leverage New TechnologyEstablish Delivery Channel ConsistencyProvide Enhanced Personalization CapabilitiesProduct Development Time and CapacityOptimized PricingImprove Product Transfer CapabilityConsistent and Flexible Business RulesEnhance Self Service CapabilitiesSuperior Cross-sellingSuperior QualityEnhance Internet PresenceOptimize Customer ServiceComplete Customer UnderstandingFlexible WorkflowTurnaround Decision ProcessIndustry Leading TrainingAdapt to New TechnologyIntegrated Delivery ChannelsEnhance Touchpoint Personalization Blended AHT Cost per call 新产品开发 新产品上线 Campaign List Creation and Maintenance Campaign Portfolio Management Account/Portfolio Repricing Customer Retention Product Upgrade 产品升级 Welcome Kit Issuance Transaction Processing Application Processing New Accounts Set-up Maintain Rewards Program General Account Inquiry Disputes Self Service Billing Statement Generation&Mailing Policy Check Issuance Customer File Maintenance Behavior Decision Model Development Customer Behavior Tracking General Account Inquiry Disputes Management Transfer Request Application Processing Fraud Processing Decision Model Development Customer File Maintenance关键业务流程关键业务流程 Behavior Decision Model Development Customer Behavior Tracking Cross-Selling Processes7 xx咨询Different-iatedBaseLevelCompetent竞争定位竞争定位业务流程业务流程改进产品开发的时间和能力改进产品开发的时间和能力创建和支持对客户的定价创建和支持对客户的定价改进产品履行改进产品履行优化自助服务能力优化自助服务能力提高销售效力提高销售效力Implement Cost Effective Testing Ability With Learning Loop提高客户服务提高客户服务提供完备的客户意见平衡提供完备的客户意见平衡Implement Parameter Based Product Fulfillment快速互联网开发快速互联网开发改善工作流改善工作流提升实时决策能力提升实时决策能力减少培训时间和成本减少培训时间和成本Provide Flexibility to Leverage New TechnologyEstablish Delivery Channel ConsistencyProvide Enhanced Personalization Capabilities业务流程维度和属性n根据流程需求的竞争定位划分每个业务流程的等级n提供覆盖业务范围的有代表性的1525个业务流程，每个流程根据情况选择1-3个指标n定义性能指标的时候，将定性和定量或直接和间接转换为经济价值（成本/收入、风险）BusinessObjectives%Of Service Transactions on Self Service Channels%Of Self-service Availability Average Time to Market/Standard Product Average Cost/New Product Launch Capacity Classroom Training Duration%TSC turnover(from time of hire through completion of OJT)Classroom Training Cost P/FTE#Products Held/Customer%Offers Made%Successful Sales Amount of Profit/Successful Sale Contact History Widely Available Customer Profile Widely Available Average Customer Spend Target Population Cost to Implement a Price Change Time to Implement a Price Change%of Account Transfers Requiring New Fulfilment Annual Account Transfer Volume Performance Metrics Blended AHT Cost per call New Product Development New Product Launch Campaign List Creation and Maintenance Campaign Portfolio Management Account/PortfolioRepricing Customer Retention Product Upgrade Product Upgrade Welcome Kit Issuance Transaction Processing Application Processing New Accounts Set-up Maintain Rewards Program General Account Inquiry Disputes Self Service Billing Statement Generation&Mailing PolicyCheck Issuance Customer File Maintenance Behavior Decision Model Development Customer Behavior Tracking General Account Inquiry Disputes Management Transfer Request Application Processing Fraud Processing Decision Model Development Customer File MaintenanceKey Business Processes Behavior Decision Model Development Customer Behavior Tracking Cross-Selling ProcessesBusiness Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 1 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 2 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 3Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 4 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 5 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3BusinessObjectives%Of Service Transactions on Self Service Channels%Of Self-service Availability Average Time to Market/Standard Product Average Cost/New Product Launch Capacity Classroom Training Duration%TSC turnover(from time of hire through completion of OJT)Classroom Training Cost P/FTE#Products Held/Customer%Offers Made%Successful Sales Amount of Profit/Successful Sale Contact History Widely Available Customer Profile Widely Available Average Customer Spend Target Population Cost to Implement a Price Change Time to Implement a Price Change%of Account Transfers Requiring New Fulfilment Annual Account Transfer Volume Performance Metrics Blended AHT Cost per call New Product Development New Product Launch Campaign List Creation and Maintenance Campaign Portfolio Management Account/PortfolioRepricing Customer Retention Product Upgrade Product Upgrade Welcome Kit Issuance Transaction Processing Application Processing New Accounts Set-up Maintain Rewards Program General Account Inquiry Disputes Self Service Billing Statement Generation&Mailing PolicyCheck Issuance Customer File Maintenance Behavior Decision Model Development Customer Behavior Tracking General Account Inquiry Disputes Management Transfer Request Application Processing Fraud Processing Decision Model Development Customer File MaintenanceKey Business Processes Behavior Decision Model Development Customer Behavior Tracking Cross-Selling ProcessesBusiness Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 1 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 2 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 3Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 4 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 5 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3BusinessObjectives%Of Service Transactions on Self Service Channels%Of Self-service Availability Average Time to Market/Standard Product Average Cost/New Product Launch Capacity Classroom Training Duration%TSC turnover(from time of hire through completion of OJT)Classroom Training Cost P/FTE#Products Held/Customer%Offers Made%Successful Sales Amount of Profit/Successful Sale Contact History Widely Available Customer Profile Widely Available Average Customer Spend Target Population Cost to Implement a Price Change Time to Implement a Price Change%of Account Transfers Requiring New Fulfilment Annual Account Transfer Volume Performance Metrics Blended AHT Cost per call New Product Development New Product Launch Campaign List Creation and Maintenance Campaign Portfolio Management Account/PortfolioRepricing Customer Retention Product Upgrade Product Upgrade Welcome Kit Issuance Transaction Processing Application Processing New Accounts Set-up Maintain Rewards Program General Account Inquiry Disputes Self Service Billing Statement Generation&Mailing PolicyCheck Issuance Customer File Maintenance Behavior Decision Model Development Customer Behavior Tracking General Account Inquiry Disputes Management Transfer Request Application Processing Fraud Processing Decision Model Development Customer File MaintenanceKey Business Processes Behavior Decision Model Development Customer Behavior Tracking Cross-Selling ProcessesBusiness Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 1 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 2 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 3Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 4 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 5 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3业务目的业务目的%Of Service Transactions on Self Service Channels%Of Self-service Availability Average Time to Market/Standard Product Average Cost/New Product Launch Capacity Classroom Training Duration%TSC turnover(from time of hire through completion of OJT)Classroom Training Cost P/FTE#Products Held/Customer%Offers Made%Successful Sales Amount of Profit/Successful Sale Contact History Widely Available Customer Profile Widely Available Average Customer Spend Target Population Cost to Implement a Price Change Time to Implement a Price Change%of Account Transfers Requiring New Fulfilment Annual Account Transfer Volume Performance Metrics Blended AHT Cost per call 新产品开发 新产品上线 Campaign List Creation and Maintenance Campaign Portfolio Management Account/PortfolioRepricing Customer Retention 产品升级 产品升级 Welcome Kit Issuance Transaction Processing Application Processing New Accounts Set-up Maintain Rewards Program General Account Inquiry Disputes Self Service Billing Statement Generation&Mailing PolicyCheck Issuance Customer File Maintenance Behavior Decision Model Development Customer Behavior Tracking General Account Inquiry Disputes Management Transfer Request Application Processing Fraud Processing Decision Model Development Customer File Maintenance关键业务流程关键业务流程 Behavior Decision Model Development Customer Behavior Tracking Cross-Selling ProcessesBusiness Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 1 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 2 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 3Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 4 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3Business Objective 5 Goal 1,Measure 1,Measure 2,Measure 3Goal 2,Measure 1,Measure 2,Measure 3EXAMPLE8 xx咨询业务目标与流程的映射维度和属性n矩阵的行相应的目标（选择未来分解为目的和/或典型的影响（成本/收入/风险）n列是相应的流程（未来分解的性能考量（如：成本/收入/风险）n记录每个目标可能的经济作用n矩阵内的每个单元分配业务流程对于业务目标的总的可能的经济作用分配份额n阐明经济作用的分配份额，描述目标和流程之间联系的业务设想将增加到单元里。Objective1ObjectivenProcess1ProcessnTotal$CostRevenueRiskMeasure 1Measure 2Measure 3$份额份额&设想设想Total$Total$Total$Total$Total$Measure 1Measure 2Measure 3$?$?$?$?$?$?$?$?$?Total$CostRevenueRiskTotal$x+y+z$x$y$zb%of yc%of za%of xy-b%of yc-c%of zx-a%of xTotal$x oroptionaldetailEXAMPLE9 xx咨询The ValueChainPlanning Analysis&RefinementExecution and(S)TPMonitor and ManageBusinessAdministrationMarketingAsset Mgmt&ProductDevelopmentSales&ChannelManagementNewBusinessCustomerServiceContractAdministrationFinanceBusinessActivity Level活动矩阵维度和属性n有代表性的价值链的7-12个阶段提供决议n现有的组织结构不必反映在业务阶段（是业务的逻辑视角不是物理视角）的定义内。n每个阶段的精确的定义是很重要的，有利于活动在矩阵内的定位。n矩阵内行的 定义，确定活动所在的层次。10 xx咨询活动模板和活动在矩阵中的定位维度和属性n完整的活动模板可能定义150-350个业务活动Capture intermediary info.Track licensesAssign intermediary codeSetup workstationProvide forms,marketing material&illustrationsMaintain BD/Advisor directory informationScore BD/AdvisorMaintain compensation contracts and agreementsRationalize product portfolioTrack product feature utilizationEnsure ongoing compliance statusMonitor product performance(post launch)价值链战略执行管理业务管理市场资产管理&产品开发销售&渠道管理新业务CustomerServiceContractAdministrationFinance业务活动的级别识别竞争者收集竞争者信息分析竞争者数据确定市场理解力创建产品战略规划产品上市时间分析产品的业绩评估市场份额统计分析规划市场 片确定目标市场规划活动战略规划招聘活动规划提升战略预测费用需求和制定预算战略选择供应商Plan service resourcesIdentify training needsDevelop business cost modelIdentify service standardsRefine contract servicing approachesTrack customer service delivery to SLAsDevelop business cost modelsPlan processing capacity and analyse volumes/efficiencyAnalyze and refine contract administration approachesTrack contract administration delivery to SLAs规划新的业务资源制定新业务的成本模型跟踪新业务服务级别协议的交付Plan reserve requirementsDevelop reinsurance strategyDevelop investment management strategyAccounting strategyDevelop budgets规划业务战略Monitor partner funds performanceDrop/add new fundsCapture 21b1 fee informationmaintain relationship with fund mgrs.Manage partner relationshipsTrack campaign effectivenessTrack industry competitive campaignsDesign and plan campaignsRecalibrate campaigns based on resultsDesign and plan promotionsForecast effectivenessAnalyze intermediary feedbackAdjust commissionsReport salesReport commissionsMonitor for compliance/suitabilityManage partnersRespond to SEC auditConduct agency auditsProvide field office operational supportPerform reconciliation reportingTrack surrendersProcess servicing exceptionsProcess servicing correctionsProcess new business exceptionsResolve NIGOsTrack gain/lossQA transactionsResolve underwriting issuesMonitor 1035 StatusPerform suitability auditPerform a QA audit Reverse commissionsManage call center resourcesPerform service quality auditsPerform“voice of customer”surveyForecast call volumeTrack call typesTrack issue typesResolve financial correctionsResolve financial exceptions12b1 fee recaptureCalculate valuationReconcile claims with reinsuranceManage reinsurance partnersGenerate GL postingsPerform cash flow testMonitor reservesManage funds制定资源模型资源招聘制定激励机制确定利益&补偿范围制定激励方法维持管理和经营过程Generate ideaDesign product featuresProduce illustrationsLaunch productDevelop marketing materialsImplements state specific product variationsRetire productsinitiate state filing for productInitiate SEC filing for productInitiate NASD filing for sales materialsScrub listsPerform telemarketingMaintain listsExclude op-outsConduct seminarsMaintain end-customer contactManage scheduleScrub customer business informationDevelop customer specific illustrationsSubmit new businessDetermine suitabilityCapture responsesDevelop and design changes to marketing correspondenceExecute full launch of a direct/solicited campaignSolicit intermediary feedbackDetermine suitabilityApply cash with appPerform actuarial assessmentDetermine contract/policy level pricingSubmit amount due financialsCapture new applicationsSubmit paperwork for imaging and archivingCapture 1035s and initial payment informationExecute underwriting for LifeHandle NIGOsHandle I