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 May 30, 2014


The LP Industry's #1 News Source - Informing, Educating and Instilling a Sense of Community

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News Brief - Sponsored by WG Security Products

John Schroeder was promoted to Director of Loss Prevention North East for GameStop.  John was previously the Regional Loss Prevention Manager for GameStop and has been with the company since 2005, where he started as a Regional Field Investigator. John has also been involved with the loss prevention team at Kohl's Department Stores where he was their Area/Store Loss Prevention Manager, and at Parisian where he was the Loss Prevention Manager. John earned his Bachelor's Degree in Justice Studies/Political Science from Northern Kentucky University. Congratulations John!

Nike's Director of Digital Loss Prevention - a new wave and title - The merging of two officially starts  As the leader of Nike’s Digital Loss Prevention efforts, you will provide leadership for the global fraud risk management function in our digital business. You will be responsible for ensuring our resources are properly aligned to the execution of key priorities, as you develop and implement ecommerce risk management strategies to appropriate tolerance levels based on advanced data analytics and trends. You will maintain industry knowledge of ecommerce fraud trends, performance drivers and the latest developments in fraud protection tools and make recommendations for necessary investments in fraud prevention solutions and strategies in our digital business. Editors note: While virtually all have dedicated executives for online fraud now we're seeing the actual title of "Dir of ... Loss Prevention" added which academically now broadens the scope of traditional LP and opens the door even more so with the IT security group by establishing a "Loss Prevention" seat at the table. That in and of itself positions the LP senior leadership for CSO positions long term. (Source nike.com)

Ahold USA to improve shrink performance with Profitect
The Quincy, Mass.-based grocer, which also operates the Stop & Shop chain, is working with Profitect because of its approach to integrating data quickly with minimal IT resources, while producing actionable opportunities. Giant Landover expects the solution to improve shrink performance by supplementing legacy reporting approaches, which require large volumes of information to be interpreted, and replacing them with automated resolution processes, according to Profitect. (Source progressivegrocer.com)

Target Interim CEO - We've 'lost our way by becoming too cautious and bureaucratic'  “We got a little bit risk-averse in making sure things were perfect and we understood the economics. Now, it’s really unshackling ourselves.” We are accelerating how we make decisions,” by giving design and store teams more autonomy and requiring fewer initiatives to be approved by top management, Mulligan said. “It’s just getting more comfortable putting things out there.” The moves are all part of an attempt to get Target back to its roots of upscale discounting, Mulligan said. People equate that with the big designer things,” Mulligan said. “Those are important, but that’s frosting. It’s the everyday innovation. That’s the secret sauce. That was our success.” (Source bloomberg.com)

U.S. State of Cybercrime Takes Another Step Back
When it comes to cybercrime, it seems no enterprise goes unscathed. There are more breaches happening, the associated costs are rising, and business leadership grows increasingly concerned that information security remains a challenge that is out of control. Those are the headline findings of the 2014 U.S. State of Cybercrime Survey. The 12th survey of cybercrime trends, released this week, found on average, the number of security incidents detected by enterprises reached 135 per organization. Unfortunately, more than two thirds of organizations that detected breaches are unable to place a cost on the incidents, and for those that could the average loss totaled $415,000. (Source cio.com)

Identity Fraud sky rockets in the UK - Up 37% in one year
The number of confirmed identity fraud cases increased by 37 per cent between 2012 and 2013, new data reveals. Analysis by credit-checking specialist Experian found that almost 13,000 cases of fraud were confirmed in 2013, with the biggest increases reported in account takeover fraud, loan fraud and mobile phone account-related fraud. Experian said these increases are linked to the online habits of Britons. (Source yourmoney.com)

Census Bureau: Online shopping and mail-order businesses jump 27%
Online shopping is showing rapid growth compared to the rest of the retail trade sector, with the number of establishments growing 27.4% between 2011 and 2012. The number of electronic shopping and mail-order houses establishments grew from 23,697 to 30,185 between 2011 and 2012. Employment climbed 13.7% to 365,508. In contrast, for the retail trade sector as a whole, which includes traditional brick-and-mortar stores, the number of establishments rose just 0.1%, while employment climbed 0.7%. (Source chainstoreage.com)

Apple in Talks with Retailers About Mobile Payments Service
Apple is in talks with several high-profile retail store chains about a mobile payment service, reports 9to5Mac. Citing a source with knowledge of the discussions, the site suggests Apple is speaking with retail store brands that sell luxury clothing and premium goods to gauge interest in such a service. An Apple-branded mobile payment solution would likely be integrated directly into iOS devices, allowing people to use their iPhones or other devices to make purchases for physical goods both on the web as well as in retail stores. Currently, iTunes customers can use their accounts to make purchases in iTunes and in brick and mortar Apple Stores, a feature Apple hopes to expand to third-party retailers. (Source macrumors.com)

Biometrics eyed for secure future payments
Biometrics look like the future of authentication for payments, according to payment experts at the Biometrics Institute Asia Pacific Conference in Sydney. Biometrics makes sense for payments because it's a better experience for customers while simultaneously providing higher security, says Tony Eyles, a product development manager at Kiwibank. While the Spanish Confederation of Savings Banks are testing many types of biometrics, one of its managing directors, Santiago Uriel Arias, warned that not all users will be comfortable handing over personal biometrics data to a bank. A client once told Arias that she give her voice, eye or fingerprint identity data to a policeman, but never to a bank, he said. (Source csoonline.com)

Signet Jewelers Ltd. said it completed its $1.46 billion acquisition of Zale Corp - we now have one jeweler in the U.S.

FTC Likely to Allow Merger Between Men's Wearhouse, Jos. A. Bank

Redbox to remove 500 DVD kiosks in U.S.

PetSmart closing two DC's & consolidating Northeastern DC op's in Bethel, Pa.

Express to close 50 stores

Walmart to speed up pace of acquisitions to better compete with digital rivals

Study shows Millennials prefer malls to online shopping

Union calls for German Amazon workers to strike again

Quarterly Same Store Sales Results

Pacific Sunwear Q1 up 3% with revenue up 2.9%
Big Lots Q1 up 0.9% with net sales up 1%
Ann Inc. Q1 down 1.8% with net sales up 3%
Gordman's Q1 down 2.7% with sales up 8.8%
Guess Q1 down 3.8% with sales down 4.8%
Express Q1 down 11% with sales down 9.6%

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June 12

Watch some of the Industry's Leading LP Seniors as they share their thoughts, views and opinions.

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# of reports

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Feb 332
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April 365
Total 1,427




MO. # Cases $ Amount
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Total 1,366 1,315 3.7%ò


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Northern Michigan University, located in Michigan’s incredible Upper Peninsula, offers one of the only baccalaureate loss prevention management programs in the United States. It is offered completely online and accepts up to 92 transfer credits. An affordable investment into a dynamic and growing profession. Learn more here



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Samuel Binnington, from Benbow Gardens in Southampton, admitted to stealing 13,000 GBP in toys from his employer, Toys R Us. Because Binnington had paid back a large amount of what was taken, he was ordered to serve 12 month community order and pay a fine.

Read more here.

For further information on PROACT, email inquiries to PROACT@eBay.com.

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Se-Kure Controls

Your External Business Partners Series

Roger Leyden, Founder, President and CEO of Se-Kure Controls, and John Mangiameli, VP of Business Development, discuss the diversified approach Se-Kure Controls takes as a solution provider in the retail LP industry. With a variety of technologies that display products, create a safe environment and defend against theft, this international company offers over 800 security products in its extensive catalogue of solutions. Roger and John talk about Se-Kure Controls’ ability to respond quickly to customers’ requests, while providing unique solutions tailored to retailers’ specific problems.


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Merchants: “Mobile Commerce is Riskier Than eCommerce”
Kount, a provider of security solutions for card not present transacting, took a closer look at the mobile payments ecosystem, the security concerns that surround it and how merchants are responding. Nearly 2,000 payments and/or fraud professionals including merchants, service providers, acquirers, card associations and issuers were surveyed. What resulted was the second edition of The Mobile Payments & Fraud Survey: 2014, which we have highlighted below. According to Kount’s survey, almost two-thirds of respondents noted that they already actively support a mobile payments channel, while an additional 23 percent plan to support it by the end of this year. And, about 21 percent of merchants polled indicated that they do more than 20 percent of their business via mobile, more than doubling 2010’s 10 percent figure. Merchants are worried about how to protect the mobile channel from fraud. Respondents were more likely to believe that not only is the mobile channel riskier than the eCommerce channel, they believe that they need different tools above and beyond those used currently to manage standard risks associated with e-commerce. Nearly one third of survey respondents reported that using mobile was “somewhat riskier” than standard web commerce – up from just under 25 percent a year ago. (Source pymnts.com)

Phishing URLs Related to PayPal Up 73%
PayPal users ought to be particularly vigilant about phishing scammers. A new report released by the CYREN GlobalView Security Lab revealed a 73 percent increase in the number of phishing attacks aimed at PayPal users. During a two-week sampling taken during the first quarter of this year, study researchers saw the number of PayPal related phishing URLs increase from around 750 a day during the last quarter of 2013 to more than 1,300 a day in Q1 2014. Apple, Poste Italiane, Barclays Bank, Battle.net and Sparkass were also top brands frequently used as bait by phishermen. (Source pymnts.com)

China officially passes the U.S. in e-commerce

Dish Network to Accept Bitcoin Payments - the largest company to do so yet

The Great Bitcoin Debate In Six Points


"Fraud is not a person - it is a dynamic grouping of statistics that deviate from the norm."
Stuart B. Levine, CFI, CFCI
CEO, The Zellman Group & Zellman Fraudnet

Be sure to attend Stuart Levine's NRF LP Session, "EMV Impact and an Omni channel Approach to Reducing Fraud" on Wednesday June 11, 11:30-12:30pm in room 304-305



Canada’s quirks make expansion there tricky, expert says - a few have failed already  David Marcotte, Kantar Retail’s senior vice president of retail insights Americas, talks about the challenges retailers face in Canada. Many U.S. retailers have moved into Canada by acquiring existing brands, as DSW has done, but often those brands were damaged, as was the case for Liquidation World when Big Lots Inc. came in, and Zellers Inc. when Target Corp. acquired it. “If it was a weak brand to start, it’s going to be a struggle to change that perception,” he said. There are financial challenges too – prices are generally higher in Canada due to tariffs, labor expenses and other factors. While L Brands Inc. has been a success bringing its Victoria’s Secret and Bath & Body Works brands to Canada, it has struggled with La Senza, the Canada-born brand it bought in 2007. Marcotte said that’s an example of the sometimes undefinable quirks another country presents. For better or worse, they all have their own Canadian identity,” he said. Marcotte said La Senza, despite being an upscale brand, used to display products on tables in cardboard boxes. It looked cheap and sloppy, but it had its appeal. “Canadians like to dig through bins,” he said. “I can’t tell you why, but I can just tell you it is.” DSW also will be working around malls and shopping centers, so location may not be an issue. That is something Big Lots ran afoul of in its short-lived entry into the country via Liquidation World. “You had to go and find them,” Marcotte said. “You didn’t see them in any major trade areas.” There are some benefits to business north of the border. E-commerce in Canada is much weaker than it is in the U.S. “You don’t compete online there like you do here,” Marcotte said. “It’s almost impossible to be cheaper online there.” Editors Note: Some U.S. retailers have had a hard go of it with their 'Canadian Push' and new entrants are finding the consumers well entrenched in their habits and buying trends. Some have even said about the Zellers take over that 'You just can't put lipstick on a Zellers,' as their locations for the most part are in old over developed areas that don't have the same curb appeal the new developments have. And quite frankly with their empty shelves and higher prices when they opened a lot of Canadians just walked away. When they expected the prices to be more in line with prices they saw in Target U.S. stores. To some it was almost an insult. It's going to be a hard task to fix that perception and get them back. (Source bizjournals.com)

Bitcoin’s slow crawl to acceptance in Canadian retail
Customers may see it as complex, risky and not worth the risk, but retailers see an upside. Some view Bitcoin as a way to liberate consumers and merchants alike from the so-called tyranny of transaction fees and central banks. It’s a hit in tech-savvy circles, where it can be used to pay for an increasing number of of goods and services online. And its use has been spreading to brick and mortar merchants too – adventurous independent coffee shops, restaurants and electronics stores world-round, to name a few. (Source marketingmag.ca)

Canadian Tire - not wasting time - Opens 'Showroom' store in Toronto - An Omni-store  Canadian Tire’s experimental new showroom is taking cues from online shopping in an effort to create a more cohesive consumer experience across the retailer’s channels. Opened on Saturday, the 16,000-square-foot showroom at the retailer’s Leaside location in Toronto features 35 digital touch displays the size of large-screen TVs, a pickup area for online orders and bulk purchases made in store, and merchandise organized to match the way it’s displayed online. The new “living lab,” focusing mostly on seasonal products like barbecues and patio furniture, was built to serve as a “test and learn” experience for the retailer before it rolls out the new display techniques to its 490 stores across the country. (Source strategyonline.ca)

Tap-and Go credit cards drive 45% increase in fraud in Victoria - Police want cards scrapped  POLICE in Victoria want tap-and-go credit cards scrapped because of a huge surge in fraud, but card issuers say they can’t see a problem. The rate of deception offences has jumped 45per cent in Victoria, which police say is the main reason for a 5per cent rise in the total crime rate. Deputy Commissioner Lucinda Nolan said tap-and-go credit cards were being stolen and used for a number of small transactions, often before the owner was aware they had been robbed. Tap-and-go, or contactless, credit cards allow purchases of less than $100 to be made without a signature or PIN. (Source theherald.com)

Target’s new Canadian chief: ‘You have to be priced right’

Target Canada loses $211 million in last quarter - wider than last years $205 million loss

Eyewear maker Luxottica closes Winnipeg plant; 200 jobs reported lost

Calgary woman put needles in grocery's bakery and dairy products, now asking for $8M in lawsuit for "loss of family honour" 

Masked culprit admits role in slick jewelry store robberies

Calgary Gun Store the target of Smash and Grab thieves; store hit twice in last 30 days 

Robber who busted into stores with young kids in tow must deal with drug addiction 

Video released of Yonge-Eglinton jewelry store robbery in Toronto 


"70% of Target's directors should be removed for inadequate data breach preparation & response," says ISS  Recently, Institutional Shareholder Services (ISS), a proxy adviser, suggested that seven of 10 directors at the retail giant be removed from office because the board of directors did not do enough to prevent the massive data breach from late last year - which, according to various estimates, resulted in fraudulent charges between $240 million and $2.2 billion. There has been speculation that the Target breach might have been preventable. ISS wants the Target directors removed who were assigned to manage risk, and wants the company shareholders to remove them. An annual meeting is scheduled for June 11. "It appears that failure of the committees to ensure appropriate management of these risks set the stage for the data breach, which has resulted in significant losses to the company and its shareholders," ISS wrote in statement quoted by The Wall Street Journal. In response to the breach, Target took “reactionary” steps after the fact, such as hiring a new chief information officer. (Source insidecounsel.com)

Mining the knowledge network: the business case for open data
It’s no longer a dog-eat-dog world out there: organisations are learning that transparency and cooperation can pay. But can commercial companies learn the lessons of public sector open data schemes, and are their IT departments – and their infrastructure – ready? The scepticism around whether a certain level of transparency can be profitable for companies is understandable because of the instinct for asset protection. However, explains Gartner analyst Frank Buytendijk, many businesses are discovering that releasing some of their own data can be a competitive differentiator in a market where more and more customers are starting to care about how data can improve their lives. (Source information-age.com)

Eighty percent of consumers believe total data privacy no longer exists
The vast majority (80%) of consumers aged 20-40 in the United States and the United Kingdom believe total privacy in the digital world is a thing of the past, and nearly half (49%) said they would not object to having their buying behavior tracked if it would result in relevant offers from brands and suppliers, a new study by Accenture shows. More than half (56%) say they are trying to safeguard their privacy by inputting their credit card information each time they make an online purchase rather than having that data stored for future use. (Source retailcustomerexperience.com)



War veteran shoots and kills alleged GameStop store robber in Houston  A 28-year-old Marine veteran killed a robbery suspect in a wild shootout in the parking lot of a shopping center in northeast Harris County. Sheriff's deputies are not identifying the man who they say was having lunch at a sandwich shot next door when he saw the suspect and an accomplice put on hoodies and bandannas in the parking lot at around 12:30 p.m. Thursday, and go into a GameStop store located at Wallisville Rd and Beltway 8. Harris Co. Sheriff's Deputy Thomas Gilliland says the Marine veteran walked out to his truck and armed himself with a pistol while the suspects were inside the store. They robbed a clerk, and took cash and computer games, then ran outside to their getaway car to find the veteran waiting for them. "At that point, the robber raised his pistol and aimed it at the 28-year-old male," Gilliland said. "Fearing for his life, he exchanged gunfire with the robber. After several rounds were fired the robber attempted to leave in the vehicle. He was struck and killed as he was sitting inside the vehicle." The second suspect ran when the shooting started. Witnesses saw him stripping off his clothes as he attempted to get away. (Source click2houston.com)

Former employee gets 15 years for arson at crowded grocery store in Algonquin, IL  A former grocery store employee received the maximum prison sentence after admitting he threw a Molotov cocktail into a crowded Algonquin grocery store. Fabian Torres, 27, of Sleepy Hollow, pleaded guilty but mentally ill Thursday to attempted aggravated arson, and was sentenced to 15 years in prison. After Torres threw a lit incendiary device, customers – including an off-duty Carpentersville police officer – chased him out of Joe Caputo & Sons Fruit Market and detained him in the parking lot until police arrived. (Source nwherald.com)

New Hartford, NY sisters arrested for stealing clothes from Macy's; assault on a Loss Prevention agent  New Hartford Police say a loss prevention officer at Macy’s witnessed a 16-year-old and Rachel Yangasa, 18 concealing clothing in a bag. The loss prevention officer tried to stop them, resulting in a struggle and the loss prevention officer getting slapped, Both of the girls were able to get away. Officers later found the 16 year old while running from another larceny at the H&M store in Sangertown Square. (Source cnycentral.com)

N.J. man used $100,000 stolen cash to fund 300 pair sneaker obsession

Skimming scam affects 20,000 debit cards at America First Credit Union

Goodwill employee accused of stealing AC equipment from a store in Nashville

Kay Jewelers in the Richmond Town Square, Richmond Hts., OH $21,000 Grab and Run; suspect fled the store with a pair of earrings, and 2 diamond rings

Kay Jeweler's in the Tanger Outlet Center, Rehoboth, DE the victim of a $2669 diamond ring Grab and Run

AT&T – Oconee Co, SC - Burglary
BP Supermarket – Perry County, KY – Robbery
Chain Reaction Cyclery – Appleton, WI – Burglary
CVS – Carver, MA – Robbery
CVS – Knoxville. TN – Armed Robbery
Exxon – Bryan, TX – Burglary
EZ Vapors – Ocean Springs, MS – Robbery
Family Dollar – Hallandale, FL – Armed Robbery
Gainesville Health Smart - Gainesville, VA – Armed Robbery
Giant – Spotsylvania, PA – Robbery
Kwik Mart – Loyall, KY – Burglary
Sunoco – New Hartford, NY - Armed Robbery – suspect charged
Walgreens – Blackfoot, ID – Armed Robbery
7-Eleven – Medford Lakes, NJ – Armed Robbery




ORC male suspect arrested in Rock Falls for multiple instances in three counties  A Rock Falls man accused of multiple instances of shoplifting was arrested this week by two different police agencies stemming from cases in three counties. According to a news release Thursday from Sterling police, Matthew W. Kornewald, 36, of Rock Falls, was arrested around 4:20 p.m. Tuesday at the Rock Falls Burger King. (Source saukvalley.com)

Duo charged with robbing Radio Shack of $56,000 before high-speed chase in Tampa, FL  A North Tampa man and a Pasco County woman have been charged with robbing a Radio Shack Wednesday in Sun City Center and leading authorities on a high-speed chase along Interstate 75 that ended with two sheriff's deputies opening fire on their vehicle. Jovanny Pena, 30, walked into the store at 3842 Sun City Blvd. wearing a ski mask and carrying a gun, deputies said. Bryna McLaughlin, 30, sat in the front seat of an SUV outside the store. Inside, Pena forced everyone to give him their valuables and left the store with 90 cell phones worth about $56,000. He rejoined McLaughlin and drove away. Deputies located the SUV, but Pena refused to stop and a chase ensued on northbound I-75. (Source tampabay.com)

4 men bought $7K in merchandise with stolen credit cards in Jersey City  Four New York men were arrested Tuesday outside the Holland Tunnel and charged with using stolen credit cards to purchase $7,000 in merchandise from a Jersey City Target, a Port Authority of New York and New Jersey spokeswoman said. The suspects, all of Brooklyn – were charged with credit card theft and fraudulent use of a credit card after allegedly buying thousands of dollars worth of electronics and gift cards at the nearby store. Police recovered nine iPads, six Target gift cards, 20 iTunes gift cards and three cell phone refill cards – totaling $7,000. (Source nj.com)

Michigan Woman stole vacuum cleaner to pawn, facing 5 years for Organized Retail theft  Michelle Renee Greene, 1609 Waverly, pleaded guilty to organized retail crime on Tuesday morning in Ottawa County Circuit Court. For her plea, prosecutors agreed not to charge her with any other thefts in the county. Greene said she took a Dyson vacuum cleaner from the Grand Haven Township Meijer and sold it to a pawnshop. Her criminal history in Ottawa County includes convictions for being assaultive, drunk driving, use of marijuana and driving on a suspended license. (Source grandhaventribune.com)

Man, woman accused of $2000 merchandise theft from Walmart in Fuquay-Varina, NC  Police charged a man from Forsyth County and a woman from Randolph County with felony larceny early Thursday for what officers charged was shoplifting almost $2,100 worth of toiletries and pharmacy products from a Walmart store. (Source newsobserver.com)

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Vendor Spotlight


Job Opening




Director Digital LP Nike Portland, OR Nike
Director of AP Macy's Cheshire, CT Macy's
Director of Loss Prevention Belk Birmingham, AL Belk
VP of Operations Checkview Chanhassen, MN Checkview
VP of Loss Prevention Dunkin Donuts Canton, MA Dunkin Donuts
Central Investigator - ORC Home Depot Elmont, NY Home Depot
District LP Manager Sears Los Angeles, CA Sears Holdings Corp
Business Continuity Mgr Bi-Lo Holdings Jacksonville, FL Bi-Lo Holdings
Regional LP Manager Michaels Denver, CO Michaels
National Account Mgr Confidential Dallas, TX Downing & Downing
District LP Manager Confidential Phoenix, AZ Downing & Downing

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Job Opening




AP Manager in Training Walmart Montrose, CO Walmart
AP Manager in Training Walmart Norristown, PA Walmart
AP Manager in Training Walmart Gilroy, CA Walmart
AP Manager in Training Walmart Westminster, CA Walmart
AP Manager in Training Walmart Camden, AR Walmart
AP Manager in Training Walmart Pine Bluff, AR Walmart
LP Manager Kmart Detroit, MI Sears Holdings Corp
Dept Mgr LP & Safety Lowe's Hamilton, NJ Lowe's
Dept Mgr LP & Safety Lowe's Avon, IN Lowe's
AP Manager Home Depot Knoxville, TN Home Depot
AP Manager 2 Cabela's Lone Tree, CO Cabela's



John Schroeder was promoted to Director of Loss Prevention North East for GameStop.
Mark Weiss, CFI
was named Regional Loss Prevention and Safety Manager for PetSmart.

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Reference-Check Your Future Boss
Is there anything you wish you had known about a past or maybe current boss before you took the job? While employers don't shy away from asking potential candidates about their background or past employers, it's more uncommon for the possible employee to poke around and find out if this company is a good fit. Find out how this candidate did just that. (Good investment)

The Two Key Traits Employers Need from Today's College Graduates  If you're a recent graduate, it won't be easy to find something in today's job market. In order to compete, you need to be at the top of your game. What are employers looking for in your resume? There are two essential skills you didn't learn in school that you must master. (Communication and problem-solving)

The 5 Essential Elements Your Resume Needs  There is no other document that goes through such intense review, page after page, than the resume. It's critical that you get your resume tailored to every job position, look it over and over again and check for errors; so many elements go into creating this piece of your life it's key to getting it correct. Here are some things that you should have in every resume. (Keywords)

How to Transition Your Role so You Can Move Up  You don't have to be the president of a company to learn how to transition in roles. You not only have to worry about landing that promotion yourself, but also have to figure out how you will be replaced. By preparing yourself in advance, you can help lead yourself and your team to success. Here are some guidelines to think about when getting ready. (Hire for tomorrow)

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Flexibility and molding to the environment you're in is the first step towards integration and inclusion. In order to be absolutely effective, an executive must first become one with their surroundings and mold to what it is as opposed to expecting them to mold to you. Seeing and hearing those subtle differences is the key and changing to it becomes the objective. Once modified, you then have the freedom to influence change and make a difference.

Just a Thought,
Gus Downing

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