Sowing the seed of service, harvesting quality

Hello. I confess that having a decent cup of coffee before I start my working day is one of my greatest pleasures; and I am lucky to be here in Colombia, living and working in this beautiful country that welcomed me five years ago, that is known around the world as one of the best and largest producers of coffee.

Without using a syllogism, I think that it’s no accident that being a coffee-producing country, Colombians have the best perception of well-being, associated with life expectancy.

Coffee is synonymous with well-being; a silent ally whose presence I feel every morning; a captivating aroma and a driving force. A sip of coffee stimulates the senses.

I honestly can’t imagine the world without coffee. Think for a second how many plans, dreams, companies, contracts,… or even how many love affairs have come together over a cup of coffee.

To be able to properly appreciate a cup of Colombian coffee, it is important to recognise the work and effort of the great many people who take great care and attention to ensure the highest quality of the final product for consumers around the world.

We too, in the Resources area of BBVA Colombia, work in the same way, as a team that focuses on service and always providing the best, so that others can do their jobs well.

Just like good coffee, we are everywhere; every morning we make it possible for thousands of computers, processes, information and links to work perfectly.

Our technological developments (the IT applications we design, develop and implement) facilitate the lives of their users (other areas and units in the bank), so they can perform their tasks more quickly and easily as well as inspiring and supporting the service actions of our clients (both the daily and regular, as well as more specific and innovative). In short, we provide convenience, proximity and well-being.

The thousand-year-old recipe for quality coffee therefore matches our work philosophy at BBVA Colombia: The secret is in doing a job with care and attention, delivering a quality product to the client, 100% coffee.

(In this photo I am accompanied by my team, the excellent Resources Unit of BBVA Colombia)



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The pleasure of a job well done

Hello. In the BBVA Chile Resources Unit we are a little tired, as we’ve spent the last few months with a huge workload. The thing is that … Patricio has to leave one job to immediately start on another (which is never problem-free), Carol is desperately looking for something called MIP and can’t find it, Astrid is imagining transporting applications to Peru via the cloud, Gaby is petitioning the government for longer working hours, Antonio is increasing productivity several times over without increasing staff levels, Magaly is dreaming of one day not having to use contingency plans, Álvaro’s volume of projects is eating him up like “the boa” in the story of the Little Prince,… This is our daily life.

It is an overwhelming daily routine, but that doesn’t stop us from asking, What do our clients expect from us? Are our investments sufficient and suitable for our activity? Does our team understand the reasoning behind the projects and their results? Are we developing our team both internally within the unit as well as with other areas of the bank? Are we giving our best quality work on a daily basis? Are we contributing ideas to help us evolve and innovate? And … in short, is the technology that we use, and the services that we can provide thanks to this technology, helping the clients of our Group?

The way we answer these questions is with facts, and by doing our job well. For example, right now we’re working in two specific areas:

  • Channels. We have just launched our new website, which is designed to be simple, individually-tailored and useful to our clients, with improved functionality. Furthermore, thanks to the holding team we already have mobile applications that are market leaders in Chile (including the recent launch on iPad). We are also already halfway to making a Cash Management application available for the Commercial and Corporate Banking units, adapted to our clients’ needs, which is due to be completed by the end of the year.
  • Processes. It is essential that we focus our processes on “the client” , with the range of services we offer being as convenient as possible to ensure our mutual interests. In this case (and as we are pioneers in using new corporate tools), the project is extremely complex and being carried out by a multidisciplinary team from Spain, Mexico and Chile. We are overcoming these difficulties with enthusiasm, knowing that we will achieve more “customer centric” and efficient business flows.

The lowdown is that our work involves dedication and commitment. That’s how easy it is to sum up our work. And at BBVA Chile we believe that everything will turn out well as long as we base ourselves on the four fundamental pillars that underpin our work:

  • The team. Generating enthusiasm in an environment of respect, with a great deal of internal collaboration.
  • The client. Understanding our clients and their needs, adding value to their business, in an atmosphere of mutual trust.
  • The method. By combining our various commitments (date, cost and functionality) with the technology and resources available.
  • Transparency with our “T&O holders”. These include colleagues, clients, suppliers or any other area with which we have dealings.

In addition, perhaps I should also include our desire for change; which has led us to launch our own plans, in addition to dealing with all the strategic business challenges, in order to transform the way we do things, and which includes three initiatives with different strategic objectives:

  • Lamasón: to organise the “run”, focussing on suppliers, negotiating key contracts, streamlining physical spaces and reducing recurrent costs.
  • Providencia: to focus on the first level of support, establish optimal levels of service and implement a new organisational structure.
  • Plus: to identify obsolete technologies (in applications and hardware), which will allow us to draw up renewal plans.

Finally, in closing, I leave you with a question. In your daily working life do you get pleasure from a job well done? We, at the Resources Unit of BBVA Chile, aim to do a good job by means of the four pillars I mentioned earlier and by focusing our efforts as a team to fulfil our strategic plans.

If you have read this far, then thank you.

Ah!!! And don’t forget that I’m available at the click of a button. Do you want to continue the conversation? It’s your turn.

(This photo is to introduce you to my excellent team in the Resources Unit at BBVA Chile).

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The “third half” is as important as the first two

If you’re familiar with rugby, you will know that one of the most important moments in this sport is what is known as the “third half”; the session after the match when the players from both teams get together to talk about the game, to put aside their rivalries and to share a beer.

Personally I am convinced that the “third half” is THE most important half and is the part that makes rugby such a genuine team sport. Raising a glass together regardless of the position you play in the team and the results that are obtained means that rugby players feel a sense of unity and a strong desire to represent their club. Each player sees himself as part of a community that aspires to the same goal and will put his heart and soul into achieving it – which forms the basis of the third half.

The attitude that sustains the “third half” in rugby is what I want to achieve in the Technology and Operations area and in our bank – in BBVA Francés. The reason is because I believe that good team relations are fundamental to working well and to having a good quality of life.

The question that arises is how to achieve and strengthen the bonds between us? Sharing enjoyable times together is undoubtedly one way… and if we make the effort to share some time together, away from our daily worries, these times will be influential and will be remembered when we need to work hard and in our day to day procedures.

What do I mean by that? I mean that the pleasure we derive from our leisure time or from coffee breaks can exist alongside and help to offset the stress that comes from our work. So the pleasure of doing what you know and the satisfaction derived from a job well done, sit side by side with having fun and good team spirit, without having to think of them as being contradictory or conflicting positions.

We need to ensure that it is enjoyable sharing these informal moments when we can listen to others and get to know each other, away from our specific job functions. This will help us to understand each other, to accept our limitations, to forgive errors, to feel like a team but without trying to outshine each other, and to create an environment in which values like trust and respect are the real currencies.

Once we have created a good environment “off the pitch”, we will be in better shape to

assemble the best team. If we know each other, we will be able to give honest opinions about people and their skills, to position players in the best place so they can maximise their potential.

discuss ideas. So people can contribute more than just their personal interest and together we can build a team in which we all push in the same direction.

coordinate tasks. If there is mutual trust, the whole team shares in every match.

I sincerely believe that the T&O Argentina department has the right team to accompany BBVA Francés to achieve success. There will be plenty of matches – and some we will draw – but together we will try to win the majority. And more important is how we celebrate in the third half!!!!

(*) Alberto Chaparro is missing from this photo of the management team of T&O Argentina and I publicly apologise for his absence. From left to right: Rubén Stempellato, me, Gustavo Siciliano, Daniel Neme and Guillermo de la Plaza.

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How to reach for the sky…

Mexico offers climbers and those that like mountains the possibility of climbing beautiful inactive volcanoes: “La Malinche” (4,461 m – you can see me on its summit, below), “Nevado de Toluca” (4,690 m), “Iztaccihuatl” (5,286 m) or the “Pico de Orizaba” (5,610 m), among others.

Every time that I prepare for an ascent of one of them with my expedition colleagues and friends, we review the terrain, we decide on the route to follow, we plan each person’s tasks and, in particular, we design an ascent that we think will be interesting and fun.

The excitement of planning the expedition is part of the enjoyment of the trip. And as a result, I am increasingly convinced that the journey is just as important as reaching the summit.

The initial feeling that you get when you reach the summit of a mountain is satisfaction, exhilaration and happiness, which contrasts with the suffering of all the previous work of a slow and tiring ascent. And a feeling that you are almost floating and just a little bit closer to heaven.

However, just a few minutes later, when you are preparing to descend, aware of your lack of energy and the difficulty of descending and the risks ahead, the happiness evaporates and the feelings of responsibility, effort and sacrifice return. Success can be ephemeral like that.

Just like climbing, I believe that to reach the summit in our daily work it is essential to have some differentiating principles:

  • The importance of the team. Teamwork is the key to success. As Peter Drucker said: “the best team does not guarantee the result or success, but an inadequate team is a guarantee of failure”. The team is a determining factor, at an individual and a collective level. And teamwork is undoubtedly more than the sum of the individuals’ abilities. Furthermore, the quality of the team generates pride in belonging and constantly stimulates all its members.
  • Discipline and effort. Sacrifice and discipline are the basis of success. Success is never free: progress always has a cost and to be leaders requires superior discipline and effort. Just as on
    the mountain, the higher we go, the harder it becomes. The problem comes when you think you have earned the right to stop trying.
  • Ambition. We shouldn’t limit ourselves, but instead try to go further than what we have already achieved – to climb a summit that is higher than the last. To know that the future can be the future of our dreams, which we ourselves create, instead of the most likely outcome.
  • Anticipation. The most important part of the journey is the anticipation; the most satisfying part of a climb is the excitement. Anticipation also has the differentiating power to enable us to achieve unexpected milestones. We have to be capable of creating and developing motivated, imaginative, passionate and enthusiastic teams. It’s not about having people that can dance, but about people that may “have to” dance. Because the future belongs to the enthusiastic.

The Resources Department of BBVA Bancomer has the essential ingredients for success. Firstly because we have our own mountain to climb: the BBVAx3 Mexico plan, with 35 programs and more than 400 projects over the next two years. And secondly, because we have a highly talented team that is committed, hardworking with great ambition, and so much anticipation to climb bigger and better mountains and to make T&O the best place to work.

However, we know that the ascent will not be easy, but complicated, arduous and full of difficulties. We know that in order to continue being leaders we will conquer many peaks, but fail in others and afterwards we will have to continue working with humility, discipline and anticipation.

Because reaching the summit today does not guarantee a new summit tomorrow. And we need to enjoy it, because it is the journey that is important, not just reaching the top, even though the summit brings us closer to heaven.

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Nouvelle cuisine in BBVA Compass

Hello.

“If I weren’t the CIO at BBVA USA, I would be a chef”. I realize that this emphatic and candid statement can sound a bit strange, but in fact I have often considered it… although never seriously, luckily for the food industry.

Anyway, it’s not such a crazy idea. If you think about it, there are plenty of things in common between IT and cooking – let’s see some of them:

  • We work for a customer (the diner) but we hardly every meet him in person because that’s the responsibility of another part of our company – the sales and servicing teams.
  • To carry out a project, we try to put together the best human team (the raw materials, ingredients)… we know that without this, we will not be successful. In fact, we believe that the human team is the key to success.
  • We equip ourselves with resources and tools to produce our creation: in IT these are the environments, infrastructures, architectures, languages… in the kitchen they are the ovens, frying pans, saucepans and utensils (some undoubtedly at the cutting edge of innovation).
  • In both areas, we aspire to a methodical, measurable and improvable process… but we understand that it also requires an artistic touch, and that we have to be prepared for any eventuality; managing a project’s risks is not that different from “Damn! I’ve forgotten to buy coriander! … mmmhhhmmm … well, I’ll add parsley instead”.

So… how do we cook at BBVA Compass?

Well, the truth is that everyone’s taste is different here, and not to mention, very demanding, and the ingredients are not the same… but we are revolutionizing the world of cooking (ooops, I mean banking IT) in the USA, implementing an absolutely innovative platform that will enable us to attract more and more customers, to grow the restaurant, and to start up a chain of restaurants…and the most enjoyable part is seeing how well García, the pastry chef, who speaks Spanish, and Smith, the head of appetizers, who speaks English (or “Alabamian” in some cases), understand each other; as you know, it’s easier to bind the sauce with good ingredients.

In short… it is clear to me that we are neither a sausage factory nor an industrial bakery; our objective is to satisfy our diners (the internal and external customers) and we therefore apply method, process and rigor, as well as skills, art, creativity and inspiration. Oh! And the most important thing: lots of PASSION (excellence can`t be achieved without passion) and large doses of GOOD HUMOUR… I’m sure you will agree with me that this makes everything much easier. And this is common to both worlds – cooking and IT – don’t you think?

With your help, we can share some tricks and you can help me to improve recipes such as cod with low-heat sautéed garlic foam… crab purée on Martini bianco jelly … or American-style mousse of real-time core banking.

I believe that we are on course for three Michelin stars. What do you think?

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45 respuestas a Nouvelle cuisine in BBVA Compass

  1. Marianne Prime dice:

    Well, I don’t cook, but what an anology! We in TeSS certainly have all the ‘ingredients ‘ to serve five star meals. The teams in place throughout TeSS work together to ensure our final products (meals) will satisfy our customers!

    • Sergio Fidalgo dice:

      Sure Marianne…just an FYI for the general readers (this is an open Forum), TeSS stands for “Technology and Support Services”, which is the name of the IT&OPS Division in BBVA Compass, and that includes (don’t want to leave them out) not only all the Technology and Operations groups, but also Transformation, Security, Procurement, Real Estate, Corporate Services and our own group of Finance!
      I completely agree with you…teamwork is key, specially with such a big and diverse group!!!
      Thanks for your comment

  2. Care Sharpin dice:

    Love the shot of you cooking and typing on your laptop at the same time. It’s true how both cooking and technology can be balancing acts. You have to know when something needs immediate attention and when other things can simmer in the background. Sometimes it’s about finding the PB&J solution instead of the 7-course menu too. Great analogy!

    • Sergio Fidalgo dice:

      I agree, Care. That is the best expression of customer centricity…not “what can I cook” but “what does my customer NEED and for when”? We do technology in a bank for our customers…not for ourselves, don’t you think?

  3. Melissa Keeton dice:

    Great story!

    And you’ve got to have the coriander! By the way, the laptop is way too close to your heat source. And I recommend cooks.com.

  4. Denise Jeffries dice:

    The Michelin 3-star rating is rare. And just like Michelin has a Red Guide for the oldest and best known European hotels and restaurants and a Green Guide for travel and tourism maybe we can inspire them to publish a Blue Guide for the best banks where BBVA and BBVA Compass will have 3 stars!

    • Sergio Fidalgo dice:

      That is an excellent idea, Denisse. Now we have one extra motivation (just in case we did not have enough! :-) : we are working to set the standard for the 3 stars in the Blue Guide!

  5. Rod Pittman dice:

    The comparison truly works for many things and is very applicable to the back-room nature of what we do in support services to help our front line business be successful. We need to always remember we are all part of the same team. Also, the example is good because we know how satisfying a good meal with good service can be. The meal is really prepared / maintained by back room functions and served our delivery systems, branch personnel and customer service representatives to create the “customer dining experience”.

    • Sergio Fidalgo dice:

      You are absolutely right, Rod…we have to keep in mind that it is our responsibility to deliver a product that our front people can use for the benefit of the customer…otherwise, no matter how good they are in selling, we will not be able to build a long-term relationship with our customers…and they will neither come back to our restaurant again nor spread the word of how delightful our cuisine is! :-)

      Thanks for your post,

      SF.

  6. Tanya Eagle dice:

    I agree that our various roles within TeSS take quite a bit of creative artistry to produce satisfying results for our internal and external customers. Our finished products, much like the meals in the story, require blending just the right ingredients (resources) to be successful. It is both educational and rewarding to work with such a multi-talented team. adelante!

  7. Irene Ku dice:

    ¡Buen provecho! Bon appétit ! 津津有味

    • Sergio Fidalgo dice:

      Gracias, Merci, Thank you Irene…and no idea how to say this in Chinese.

      Maybe 谢谢???

      (yes, I did…google’d it)

  8. Hal Mashburn dice:

    Awesome analogy – to our customers internal and external bon appetit…Salud! The dessert of success is the sweatest!

    • Sergio Fidalgo dice:

      Thank you, Hal. You know a lot about Customer Service…in the Cards’ world, it is a must to have a good one! I love your conclusion about the success! Greetings, SF.

  9. Annie Ochoa dice:

    Love the comparison and I totally agree with “everyone’s taste is different”. Much like the diner or restaurant we all frequent, if the food is good and the service great, we automatically come back for more.

  10. Donald Stevenson dice:

    At a restaurant in Madrid, Arce, the chef sits with you to discuss your likes and dislikes, creating a unique series of dishes just for you.

    This is similar to how TeSS has matured from mere order-takers (waiters) who are bound to implement particular solutions to being chefs who understand the business needs and are empowered to provide options to the diners … I mean customers.

    • Sergio Fidalgo dice:

      Great comment, Donald!

      Indeed, I have been enjoying Iñaki Camba’s hospitality a couple of times in Madrid. The TeSS transformation, from reactive to proactive, from writers to listeners, is part of the Technology Transformation that we are running in BBVA Compass. Don’t you think it is much better, and also that we can better help the bank with this approach?

      Thanks for your reply,

      SF.

  11. Perry Ritchie dice:

    A chef/restaurant has to adapt to taste trends in much the same way banking trends change with technology. If we are not proactive in that approach it will be a hard bite to swallow. Great Hat by the way.

    • Sergio Fidalgo dice:

      Thanks for your comment, Perry. Yes, we have to adapt to change…and there is one post in the Spanish blog (I know you can read Spanish, ha!) that talks about simplicity…what do you think? Have we gone too far in the complexity, loosing our customer focus?

  12. Carolina Hatley dice:

    Love it! If only all our risks could be mitigated with parsley!!!

  13. Irrum Rashid dice:

    Great analogy! Just like creating a great dish… if the customer really likes it, they’ll be there time and time again for more!

  14. C. Nicole Sullivan dice:

    I really like your analogy. It takes a blend of skills, talent and resources to create our masterpieces.

    And as someone with experience in the branches and behind the scenes, I really relate to the fact that both teams have roles in serving our customers.

  15. Tavane Lewis dice:

    Great comparison! My passion for cooking (armature Chef) comes from the preparation of the meal, then seeing the reaction as someone eats that meal. Like a Chef, Tess employees we are very passionate about the work we do and are excited when our customers find our creation satisfying.

  16. Mona George dice:

    Great analogy! Coming from 32 years of front line sales and service, I can assure you that it does not matter how good the sales and service staff is, if you mess up in the Kitchen, they will not be able to sell it to the client and the client will not come back for their next meal. That is why I agree with you that the best ingredients, tools and resources are very important for repeat business.

    • Sergio Fidalgo dice:

      Of course, Mona…your experience says it all!!! After 32 years of service, maybe you can tell us a bit about the big transformation of the banking industry, of which BBVA Compass is now becoming a great example: from product-banking to customer centric-banking. That is the real challenge, do you think we are on the right track?

      Thanks for your comment,

      SF.

    • Mona George dice:

      Absolutely! From someone that started as a teller using the big bulky NCR machines and the biggest improvement was to go to the sharp machine, I would say we are defintely on the right track. I thought I would not live to see the day when we go online. I was seeing the technology growing all around me at other banks and was jealous. Now I see us and envision our future being the leader not the follower.

    • Tiffany Palladino dice:

      You have a LOT of wisdom Mona! Everyone could learn a ton from you! Share it as much as you can like I share my great grandmas italian wedding cake recipe!!!

  17. Francine Motley dice:

    TeSS is like a great restaurant. With great planning, preparation, and execution we deliver great products and services.

  18. Cindy Simonetti dice:

    I love this! What has really been interesting to me is going from ensuring that the finished dishes are “plated” well for the customer (marketing), to gaining a better understanding of the many steps that actually go into the preparation of each dish.

    Great blog. Look forward to the next installment.

    • Sergio Fidalgo dice:

      Sure, Cindy. At the end, moving around the company gives us the opportunity that all the links in the chain are valuable and necessary to achieve the final result. Not to mention that you can apply the lessons learned in one division to the work you do in the next one, don’t you think?

      Thanks for your comment,

      SF.

  19. Gary Buchheit dice:

    Your analogy is great. We in the TeSS group have as much to do with the success of the bank as the front line employees. If we do not do a good job of providing them with the tools they need to give their customers the products and services they want, the customer will go elsewhere to get them.

  20. Liliana Grip dice:

    Sergio – Que analogia tan fenomenal. Esta en punto. I do hope when you retire (or when you have your next pachanga) that I get to taste some of your cooking melange. We are pleased with our BBVA Compass service and even when I was in Atlanta, we never considered moving our account. Keep up the good work!!!

    Liliana

  21. Cindy Enslen dice:

    I think our Dept, Loss Prevention, would be akin to the Health Dept: We have to review each restaurant to maintain our high cleanliness “rating” to keep the customer feeling safe, healthy and returning for repeat business aa well as referring us to other potential customers!
    Got to keep them “cucarachas” out of our kitchens!

    • Sergio Fidalgo dice:

      Thanks for your comment, Cindy. You are right,…it is very critical that you guys in loss prevention are always in alert-mode!!! fraud is getting more and more sofisticated, and we have to make sure that all the processes are absolutely safe four our customers…Safety first, Fun and Joy second!

  22. Anngeleaner Robinson dice:

    There are many fine restaurants, good cooks and great chefs, waiters and waitresses and fast food restaurants, but you are correct. In order to create the FinestRestaurant (BBVA). We must create (Process & Design) great Versatile Menus, such as American, Chinese, Italian, Spanish and many other various dishes that will keep all of our customers coming back for more and spreading the word that BBVA is the place to Dine. A place (BBVA) where people can pick up their breakfast, go back for lunch and call ahead to (BBVA) and pick up a complete take home dinner of the Finest Cuisine for the whole family (Art, Creativity and Skills, Team Work). A place where people can do all of their investments, whether Online or in person. Easy to read menus ( Solfware programs, Resources & Tools, IT) great communication that will cause the customer to get excited (Inspiration) and friendly (Passion) service. A place where all customers will feel that their Investments are Secure (Loss Prevention) and their Privacy is (Corporate Security) Safe.

  23. Staci Payant dice:

    I truly enjoyed reading your analogy and loved the hat a well! The work put forth by all of the BBVA employee’s to ensure a satisfactory experience for our customers is enterprise wide. It cannot be successful with only one area or even a few areas. We have to all come together to earn a 5 star rating. Through teamwork we can achieve even this and build a foundation of trust from our clients that keep them coming back for more!

  24. Ashley Turtletaub dice:

    With TeSS as the “kitchen” team, we have to be innovative to differentiate our restaurant/meals and be passionate about the foods we create. A quality restaurant experience will keep our customers coming back and will draw new customers.

    Interesting blog!

    • Sergio Fidalgo dice:

      Thanks for sharing your thoughts, Ashley. Despite being the “kitchen”, which is true, we have to make sure that we do not lose our customer focus…we have to make sure that each member of our teams feel their own responsibility in the quality of the product and the service we provide.

  25. Clifton Hartin dice:

    Very nice comparison Sergio! You know, over the years we have seen the success of creating great meals and it has grown our customer base and kept them coming back for more. But like any great restaurant, I believe we strive to set ourselves apart and above the others by selecting the finest cuts of meat, the freshest vegetables, and taking the time to make sure they are combined just right. Remember, anyone can make Chicken with Pasta, but it takes good teamwork to make it memorable.

  26. Jerry Pellegrini dice:

    Great read! I know for me, the experience is as important as the food being served!

  27. Tiffany Palladino dice:

    I love this analogy! Anyone who has worked with me as the TeSS recruiter will say that I always tell them recruiting IT candidates is like baking a cake. All of the right ingredients have to come together at the right time, in the right environment to make a delicious masterpiece. We have learned this to be true over and over again on our department. Every ingredient that we add (every new employee) has to compliment the recipe so the outcome is serving not only our internal clients but our customers. Its easy to see how delicious the end product is but it wouldnt be possible without each individual ingredient (contributor). Thanks so much for starting this conversation! Brightened my day.. AND MADE ME REALLY HUNGRY!!

  28. Dorothy Rogers-Hall dice:

    What a fantastic concept and process! It’s about creating our menu to serve all tastes, excellent principle!

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