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December 9, 2011 SUBSCRIBE

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Loss Prevention & Safety Recruiters Since 1983

Thank you Dan Diggins for sharing this --

Director of Loss Prevention & Safety
Fry's Electronics

Ex-Fry's exec to serve 6 years for $87 million kickback scheme
 Omar Siddiqui, a former VP of merchandising and long term employee of Fry's, who had been being groomed by the owners since 1988 was convicted of stealing $87 million from the company and shaking down vendors for exorbitant commissions and used kickbacks to pay casino debts for his gambling addictions.  Living the high life and running up debts with multiple casinos Omar is being sued by vendors, Fry's, and casino's for millions.  In addition to his 6 year prison term Omar has been ordered to pay restitution of more than $65 million.  (source

Former Ahold supermarket executive gets 46 months in federal prison Mark Kaiser, who pled guilty to fraud charges relating to the 2003 accounting scandal at Ahold's former U.S. Foodservice division, was sentenced to 46 months in prison. Kaiser and two other former U.S. Foodservice executives were indicted in 2004 for their roles in reporting inflated financial results at U.S. Foodservice between 2000 and 2003. Kaiser was previously found guilty and sentenced to seven years in prison in 2007, but appealed the decision claiming prosecutors withheld some evidence. He pled guilty earlier this year to fewer charges. (Source

Wal-Mart opens internal Foreign Corruption Practices Act investigation after obtaining information during a review and from other sources related to compliance with the Act. We are taking a deep look at our policies and procedures in every country in which we operate," said Wal-Mart spokesman Dave Tovar in an email. Wal-Mart Stores Inc. has hired outside lawyers and other advisers and has notified the U.S. Department of Justice and Securities and Exchange Commission. Our investigation is currently focused on discrete incidents in specific areas," Tovar said. "We intend to keep federal authorities apprised of what we learn." The issue will have a material impact on business, the company said. (Source

Anti-Piracy Role Added to U.S. Trade Agency in Draft Bill U.S. lawmakers unveiled draft legislation that would give the International Trade Commission the lead role in fighting foreign websites trafficking in illegal content and counterfeit goods. The draft bill is meant as an alternative to Hollywood-backed anti- piracy legislation under consideration by the House and Senate that has come under fire from a number of groups saying the current proposed legislation goes too far. Those measures pit the movie and music industries, which want a stronger crackdown on online piracy, against Google Inc., Facebook Inc. and other Web companies that say the bills may ensnare legitimate websites and threaten the growth of the U.S. technology industry. The draft bill released called the Online Protection and Enforcement of Digital Trade Act, lets U.S. intellectual-property owners petition the trade agency to investigate foreign websites linked to piracy. (Source

Criminals are using small-ticket online transactions to test fraudulent payment cards. Criminals are attracted to low-value e-commerce sites because the sites often provide a way to test stolen payment account data without setting off the kind of alarms that would be triggered by high-value transactions. It’s an extension of a common practice in the offline world of criminals who steal a payment card and buy $1 worth of gas at a self-service pump to see if the card has been canceled. (Source

A growing staffing firm keeps its fraud rate low while reducing manual fraud reviews ODesk manages payments to 1.5 million independent contract workers in more than 150 countries and makes payments via wire transfer, debit card, PayPal and other means. It has to manage the payment details for each contractor and verify the legitimacy of each new contractor that joins the oDesk marketplace. After reviewing several fraud management programs, oDesk selected a web-based fraud prevention program from Accertify Inc. because it automated many of the processes that previously ate up the time of oDesk staffers. ODesk says it set up about 30% more business rules than it had previously to automatically screen transactions for suspicious behavior. That allowed oDesk to spot fraud more accurately and let legitimate transactions move through the system more quickly. It reduced the number of transactions being sent to staffers for manual review by 30%. It also cut the time spent per manual review in half, which allowed oDesk to keep the size of the fraud prevention staff in check. oDesk was also able to eliminate a manual internal verification process it used for new contractors. (Source

Merchant Risk Council to Host Highly Anticipated 10th Annual e-Commerce Payments & Risk Conference The Merchant Risk Council (MRC), a global trade association uniting online and multi-channel retailers, card networks, card issuers, law enforcement agencies and solution providers to make the internet a preferred place to shop and do business, announced that it is hosting its 10th Annual e-Commerce Payments & Risk Conference from March 27-29 at the Wynn Las Vegas Resort. (Source

NJ Target stores agree to aid Homeland Security during natural disasters and emergencies Officials from the state Office of Homeland Security and Preparedness and Target Corp. announced Thursday that the big box store chain had entered into a formal agreement to assist the state and local emergency officials in the event of a large emergency or catastrophe, such as a hurricane or terrorist attack. The chain has 43 stores across the state, including in Delran, Evesham and Westampton. In the event of a disaster, Target officials said the company would be capable of providing emergency management teams with large quantities of supplies, such as food and water, as well as logistical support. (Source

Indiana Dept. of Labor to Hold C-store Worker Safety Summit The summit was prompted by the shooting of Village Pantry employee Marcella Birnell during a robbery that took place Oct. 21. C-store industry representatives attending January's summit will include the Indiana Petroleum Marketers and Convenience Store Association and the Indiana Retail Council. "The Mission of the Working Group will be to examine safety and security issues involving 24-hour convenience stores and make recommendations to the Department of Labor and the convenience store industry on methods to improve worker safety in these facilities." (Source

"Consumer confidence appears to be stabilizing, albeit near historically low levels," said Joseph Brusuelas, a senior economist at Bloomberg L.P. in New York. "However, that stabilization is quite tenuous." A report released Thursday said that consumer confidence in the U.S. was little changed for a second week, holding at a level typically reached during past recessions. That doesn't bode well for strong holiday sales. (Source

Progressive Grocer Names ShopRite 2011 Retailer of the Year The 47 members of Wakefern Food Corp., -- the nation’s largest retailer-owned cooperative -- own and operate more than 230 supermarkets under the ShopRite banner throughout New Jersey, New York, Pennsylvania, Connecticut, Delaware and Maryland, serving more than 5 million customers each week. This VP of LP position is now available due to the current senior's upcoming retirement. As reported this week The Judge Group executive search firm is handling the search. (Source

Miami Head of Crime Family - man who staged the biggest cargo heist in Hillsborough County history gets 4 yrs and 9 months federal prison time. Rolando Coca Alvarez led a group of thieves who rappelled into an east Hillsborough warehouse and lifted $7.4 million in military laptop computers from iGov Technologies. For months, the men avoided arrest. But a McDonald's restaurant drive-through surveillance video helped crack the case. Detectives found the red Lincoln Navigator they were looking for, and the time stamp matched. South Florida authorities quickly recognized the face of Coca, who they say is the head of a Miami crime family. (Source

Honeywell today named Scott Harkins President of Honeywell's Security & Communications division. Harkins who has overseen Honeywell’s video surveillance and access control divisions, has been appointed to a newly created role and will now oversee Honeywell Security Group’s (HSG) products businesses in the Americas. In this new, expanded role, Harkins will be responsible for Honeywell’s intrusion portfolio, which includes ADEMCO security systems, AlarmNet radio communications, Total Connect remote services and the First Alert Professional dealer program. (Source

Probably the largest sale of private stock in a retailer in history as Wal-Mart's the Walton family registers to sell 70,615,608 shares of original company stock. (Source reuters)

Duckwall-Alco stores Q3 reports same store sales up 2.7% with net sales up 3.6%, the 4th consecutive Q of same store increases.




Doug Marker
Vice President
LP, Risk and Audit
Michael Stores, Inc.

Stephen O'Keefe
Loss Prevention and
Risk Management
Wal-Mart Canada

Coming in December

Kelly Gorman
Vice President LP

LP Program Spotlight
eBay's PROACT Team



Richard C. Hollinger, PhD



Know about an event we should feature here?
Let us know.

National Retail Federation
2011 ORC Survey

Executive Summary
Full Report 

National Retail Federation
Effective Crowd Management Guidelines

Education Awareness on Personal Safety
Full Report

Return Fraud Survey
Full Report

Watch for our article the day after each event!

Los Angeles Area
ORC Association

3rd Annual
2012 Conference

February 16, 2012
LA Convention Center

Asset Protection Conference

March 11-14, 2012
Hyatt Regency
New Orleans, LA





































eBay Investigated Counterfeit Case Leads to Guilty Plea

eBay & Global Asset Protection investigators supplied law enforcement officials key information leads to guilty plea in counterfeit trademark case in Federal court. The Army veteran who made contacts with counterfeiters while serving in South Korea pleaded guilty to trafficking in Asian-made knock-off jerseys that violated trademarks held by the NFL, NBA, MLB and a Philadelphia nostalgia sports apparel maker. Under federal sentencing guidelines the suspect likely faces 12 to 18 months in prison when he is sentenced by a federal judge. The case was brought by the Internal Revenue Service, U.S. Immigration and Customs Enforcement and state police. The suspect bought the jerseys for $15 to $20 each and sold them for $30 to $50 apiece on eBay -- until the online auction site "threw him off for selling the counterfeits," said Assistant U.S. Attorney Paul Hull. Click here for full article.

For further information on PROACT email inquiries to;

eBay Direct - Click Here  -  (notify - info - questions)


D&D Daily Canadian Push

Canada and the United States unveiled plans Wednesday for an unprecedented joint approach to border protection aimed at developing common practices to screen travellers and cargo, with both governments promising the measures will better guard against terrorism and speed up cross-border traffic. A two-part "action plan" that maps out efforts to harmonize regulations across a spectrum of trade goods while increasing the amount of information shared between the two countries about both legitimate and suspect travellers. The reforms — many of them involving pilot projects that might not see full implementation for years — aim to integrate programs for Canada-U.S. perimeter security and to streamline the flow of goods between the two countries through pre-inspection and pre-clearance. "Put simply, we're going to make it easier to conduct the trade and travel that creates jobs and we're going to make it harder for those who would do us harm and threaten our security," said Obama. While the borders may become somewhat invisible the information sharing won't be as both countries will be sharing information on individuals and companies that is unprecedented. Which is now a financial necessity long term if the Canadian Push is going to work. (Source

Canadian small businesses lost $3.2-billion to workplace fraud last year, study finds More than one in four companies in Canada with fewer than 500 employees (26%) suffered at least one instance of occupational fraud last year. While the poll of 802 firms estimated employees cheated their employers out of a collective $3.2-billion in 2010, the author believes this is a conservative figure. I consider those numbers to be conservative,” Rock Lefebvre, vice-president of research for CGA Canada, said in an interview. “The number of businesses actually reporting fraud is very conservative, taken with the fact that most of them do not have [detection] programs in place.” Most respondents (59%) said they do not regularly assess their exposure to fraud, yet 74% said the risk of occupational fraud was low, suggesting to Mr. Lefebvre many “low” answers were just assumptions. Also excluded from the results were other forms of fraud, outright theft and more sophisticated “white-collar crimes.” Most cases resulted from a failure to segregate duties, Mr. Lefebvre said. “You might have one office person handling cash and booking entries into accounts re-ceivable so they could easily be skimming accounts receivable.” Most acts of fraud identified in the study (81%) resulted in a loss of less than $5,000. (Source

Hudson's Bay closing 26 Ontario Fields stores; company cites market conditions The stores are the discount division of Hudson's Bay Company. A spokeswoman for Hudson's Bay says a Fields store in Mississauga, Ont., will remain operational along with 140 stores in Western Canada. Tiffany Bourre says the Ontario retail market has been extremely competitive and it was decided to close down the stores following careful analysis of many factors. (Source

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LAAORCA Article Featured In LP Magazine With the LAAORCA Golf Tournament on February 15th and the 3rd Annual Conference on February 16th (contact George Torres at 562-233-0916 for sponsorship opportunities) quickly approaching, LP Magazine has featured an article about this noteworthy organization in their current issue. The article is an in-depth dive into the formation and operation of this group. The article, "LAAORCA Taking a Bite Out of Organized Retail Crime" by Adam Paul, discusses the collaborative efforts of law enforcement and retailers and the successes that have spawned through the formation of the coalition.  Thank you Jason Gonzales, Organized Retail Crime Investigations and Loss Prevention District Manager for Rite Aid for sharing this. Click here for full article.

Shoplifting rings target grocery-list items and Prince George's special retail crime unit has helped stop $10 million in 9 months. Prince George's police lieutenant: One store lost about $15K per month from Tide detergent thefts alone. With the Washington-Baltimore region sitting just a rung or two from the top-10 areas in the nation for organized retail theft, police and stores are girding to curb shoplifting, which is expected to pick up during the holiday season. Prince George’s County police, in particular, have organized to get ahead of the problem, which increasingly includes the theft of grocery-list items shamelessly wheeled out the front door in bulk. Laundry detergent, shaving blades, infant formula and diapers might not seem like real attractive bounty, but for thieves who manage to slip in and out with cartloads from several stores a day, sometimes aided by lookouts and accomplices who distract busy workers, they can be solid gold, police and retailers say. "This is big money," said Prince George’s police Lt. Bradley S. Pyle, who leads a new section focused on retail theft that the county formed in March. One Safeway store lost about $15,000 per month from thefts of Tide detergent alone, Pyle said. Before, it was easy for investigators at the district-level, where shoplifting was being handled, to be too overwhelmed by shootings and dangerous crimes to focus on the problem, said Pyle, a former investigative supervisor for District 3 in Palmer Park. The biggest thing that woke us up to it was that the county executive [Rushern Baker (D)] has been trying to get more businesses in the county, and stores said they needed one place to turn to deal with their needs," Pyle said. Managers worried about lawsuits and the danger of confronting thieves often direct employees not to intervene, even if they see or suspect that goods going out the door weren’t purchased. Since the Prince George’s special retail crime unit got started nine months ago, it has investigated the shoplifting of about $10 million worth of goods, Pyle said. To help retailers during the holiday season, Pyle said his unit is working directly with stores’ loss-prevention employees and has stepped up surveillance. In fact, surveillance and undercover work, planned in consultation with the Prince George’s County State’s Attorney’s Office, enabled Prince George’s police to apprehend men involved in large thefts of Tide detergent from Wegman’s in Glenarden, then get one of them to talk about other thefts and where the goods were sold. One business caught in the investigation, which ran from late October into early November, was World Nails on Landover Road in Hyattsville, where, according to Detective Harrison Sprague, the salon’s associates paid $85 for nearly $1,200 worth of goods, including detergent, shower gel and razors. The way a lot of these criminals think is that a person dealing a couple of dollars in Tide is going to be overlooked," Sprague said. "But we’re seeing a bigger picture that wasn’t being seen before — that it adds up to an astronomical value." By sending out officers undercover and flipping thieves they capture to help law enforcement, police hope to stop more "booster" rings before they steal, Pyle said. Although Montgomery County police report that shoplifting incidents for the year through September decreased from 2,117 in 2010 to 1,709 this year, it appears the county has not been immune to the booster rings’ work. (Source


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Share your ORC news and help the industry grow


Job Opening




Manager, Business Continuity Winn-Dixie Jacksonville, FL Winn-Dixie

Corp LPM of Analytics & Exception Reporting



Downing & Downing

Director of Loss Prevention



Downing & Downing

National Account Sales Mgr


Chicago, IL

Downing & Downing

Asset Protection Manager

The Home Depot

Phoenix, AZ

The Home Depot

Asset Protection Manager The Home Depot Metro Northern NJ The Home Depot
Asset Protection Manager The Home Depot Sacramento, CA The Home Depot
Asset Protection Manager The Home Depot Salem, OR The Home Depot
Regional LP Director Confidential Los Angeles, CA Downing & Downing


Today's Daily Job Postings from the Net - Appearing Today Only

Job Opening




Store LP & Safety Mgr Lowe's New Iberia, CA Lowe's
Store LP & Safety Mgr Lowe's Gastonia, NC Lowe's
Loss Prevention Mgr Loehmann's Baltimore, MD Loehmann's
Loss Prevention Mgr Apple Santa Clara Valley, CA Apple
Regional LP Mgr Golf Galaxy Houston, TX Golf Galaxy
District LP Mgr Old Navy Sacramento, CA Gap, Inc.
Loss Prevention Mgr Sears Roseville, CA Sears Holdings Corp.
Market AP Mgr Walmart Nottingham, MD Walmart


Thought Challenge Month in Review Today we are posting two Thought Challenges, as they appeared, in a countdown to our Awards Committee's selection of the "Top 3". Read well and make sure you vote on the last day!

"Need vs. Want"

Submitted by Mark McClain
Director of Investigations Asset Protection, Wal-Mart

July 13, 2011

At times while I'm driving down the road, I try to keep myself entertained by listening to good music, something inspirational, and at times comedy. I find that laughing is one of the best ways to reduce stress. After a particularly stressful day on my way home, I turned the radio station to a comedy channel and remember laughing uncontrollably while the drivers next to me looked over as if I were half crazy. The comedian was speaking about "Need vs. Want." Sometimes the things that are the truest in life become the funniest. The discussion was centered on children today and how they always feel like they "need" something and do not understand the difference between need and want.

In my current role, I find this to be equally true in regards to expenses. If you have ever managed a budget, then you can understand what I mean. Budgets really outline what we expect to spend based on experience from prior years and anticipated purchases or expenses that may arise in the coming year. Once this has been established, it is imperative to monitor expenses to ensure your company can maintain profitability. When times get tough, we all need to look deep into our budgets and determine some of these "need vs. wants" that allow us to get the job done and adjust accordingly.

I sometimes have similar uncontrolled laughs that I try to internalize when I get requests for "wants" throughout the year which remind me of the comedian's dialogue. I have found that the best way to control these random wants is to eliminate them through a stronger awareness campaign with the team on the difference between the two. Providing them visibility to the budget, current expenses, and consistent communication has allowed them to see for themselves where we stand in regards to available funds. It has essentially eliminated the random requests for a new "this" or "that" and placed them in a position of making the decision themselves based on the data. It also provides them with the ability to make a stronger business case for those "needs" when they can see that the funds are in fact available and, at times, maybe even a want or two. Allowing them the tools to make the business case helps you in supporting it up the chain should it be necessary and gives you ground to stand on if you have to deny the "want." Transparency is clarity.


Innovation and Creativity

Submitted by Phil McGinley
Regional Loss Prevention Manager at Dollar Financial Group

August 9, 2011

As I hit the mid-point of my self-assigned summer reading list, I have found myself pondering two fantastic non-fiction titles; Moneyball: The Art of Winning an Unfair Game, by Michael Lewis, and In The Plex: How Google Thinks, Works, and Shapes Our Lives, by Steven Levy. Now, you may be asking "what do a book about baseball and a book about Google have to do with each other, let alone Loss Prevention?" The answer is quite a lot, actually.

At their heart, Moneyball and In The Plex are truly about the same thing: Innovation. It doesn't matter if you are talking about the Oakland A's GM Billy Beane, or Google founders Sergey Brin and Larry Page; they are all innovators without comparison in their field. Not only are they innovators, but all three are because they refused to accept their field's current paradigm as optimal. They spotted market inefficiencies.

The inefficiencies they spotted were vastly different. Beane realized that getting on base was more important than batting average while Brin and Page realized that search in the mid-90s was fundamentally flawed. Importantly, they realized that optimization could be achieved through innovation with a minimal amount of resources. They could be better than their competitors, for less, simply by paying attention to the market.

Utilizing the same tactic in Loss Prevention, we can analyze the "internal markets" of our own organizations. When doing so, it becomes clear that operational inefficiencies are simply loss moved to a state that is pre-realization of top line revenue. This means that identifying and recovering lost potential customers/revenue should not simply be treated as "operation's job," but our job as well.

As I emphasized about Google and Beane, part of successful innovation is doing so inexpensively. Typically, in Loss Prevention we already have access to the data and knowledge of retail functions to be able to identify the operational inefficiencies of our companies without any added cost. But it does take one thing I have yet to mention: Creativity.

Beane, Brin, and Page's refusal to accept the paradigms of their current industries resulted in them stepping back and looking at it from a totally unique angle. They identified the weaknesses in the paradigms and addressed them in creative angle. If we do this, it does not matter where in our organizations that loss and inefficiencies exist, we will be able to identify them, combat them, and increase the value of Loss Prevention in continually difficult economic times.



Educating Retailers and Mall Security on ORC

By: David Levenberg, CPP VP of Security, Macerich

Organized Retail Crime (ORC) has become one of the most high profile subjects in the retail arena over the last several years. Since ORC is focused on the theft of large amounts of merchandise from retailers, you might ask why this is an issue for mall developers beyond the obvious answer that they don’t want crimes committed on their properties. As important as reducing crime is, the developers understand that the profitability of their tenants is paramount to a successful mall, and also understand that this drain makes that profitability more difficult.

Customers traditionally come to the mall to buy specific items whether for themselves or for others, and are less likely to come back if they cannot find the size, color, or latest version of what they are looking for. The ORC gangs don’t steal the oldest, least attractive merchandise, they steal the latest and greatest, and sometimes in such volumes that customers can’t find what they want. That does not encourage repeat business.

Recently, the International Council of Shopping Centers partnered with NRF to produce a training video for mall security officers. The video explains the basics of what ORC is, who the players are, how the crimes are accomplished and how the merchandise is disposed of. This training, which has been made mandatory by a number of mall developers, only scratches the surface in terms of the sophistication of this crime, but gives the uniformed officers some tools to work with as they perform their daily duties.

Developer security professionals understand that the mall security officer can play a major role in identifying the ORC groups when they arrive on the property. As more and more malls install CCTV systems, well-trained operators notice multiple vehicles arriving together, people exiting vehicles already carrying shopping bags, folks going back to cars with large bags, placing them in the trunk and then returning to the mall. This technology provides the first line of defense against these criminal gangs even before they get to the stores. Communication between the retailers and mall security is critical so that the operators are also able to follow suspected groups as they leave the stores and head back to their vehicles. The police can then be directed to the location of the vehicles without alerting the suspects.

Interior patrol officers are trained to observe from the outside of storefronts. They look for people taking large amounts of clothing from racks, scooping up merchandise displayed on tables near the front door, or exchanging bags with others as they exit a storefront.

With the help of the retailers, mall developers keep track of those locations within their portfolios that experience the most frequent ORC incidents. At those properties, Macerich provides additional training to our uniformed officers, and works with local police departments and the retailers to put in place a coordinated effort to identify and apprehend these offenders. Adding mall security to the ORC equation can increase retailer profitability and enhance customer satisfaction without negatively affecting the mission of the uniformed security presence.

About the author: For over two decades, Mr. Levenberg has managed the design and implementation of Loss Prevention and Public Safety programs in both retail and shopping center settings, nationally and internationally. Macerich is one of the largest owners of regional and community shopping centers in the United States. Mr. Levenberg is responsible for guiding the public safety, loss prevention and emergency planning programs for over 70 regional and super-regional shopping centers across the country. His international consulting duties have taken him to Brazil, Chile and Mexico. He is a frequent lecturer for the International Council of Shopping Centers (ICSC), the American Society for Industrial Security (ASIS), and other trade and professional organizations.


Share Your Thoughts

David Olds
was named District Investigator for Home Depot.
Melanie Etzler
was named District Investigator for Home Depot.
Cory Johnson
was named District Investigator for Home Depot.
Katie Klingler
was named District Investigator for Home Depot.
Dwight Garcia
was named District Investigator for Home Depot.
Michael Fortune
was named District Asset Protection Manager for Home Depot.
Jason Dixon
was named Loss Prevention Manager-Chicago Region for Sally Beauty.
Deane Benedetti was named District Loss Prevention Manager for BCBG Max Azria Group.

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How to Look and Act Like a Leader Savvy executives know the part, act the part and look the part. That's because they exude "executive presence," by being aware of not only their position, but their appearance as well.  (Ditch the jeans)

How to Empower Your Employees People can't serve as your company's greatest assets unless you motivate them. As a business, you assemble people together and empower them to accomplish productive work toward your organization's objectives. More effective empowerment typically means more productive work.   (Cue the motivational music)

Learn to Like Your Job You may enjoy your pay, you may enjoy your coworkers, but do you enjoy your job? One small thing may set you off, but career experts say many workplace problems that employees think are irreconcilable can be improved or resolved.   (It's all in your attitude)

How to Save an Unproductive Day in 25 Minutes
Do you ever have one of those days where you feel like you've gotten nothing accomplished? Not only do unproductive days detract from the success of your projects, your team and your organization; they can endanger your own well-being.   (Start your stopwatch)

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Every executive has an agenda out of absolute necessity and in the normal course of doing business. Agendas in essence drive performance and results. However, it's the hidden agendas that one must be on the look out for because those are the ones that do the most damage to executives and companies. And while many tend not to acknowledge them, they do exist and finding them is the key. Dealing with them and managing them is extremely difficult and oftentimes one finds themselves managing the after effect and not even seeing them until it's too late. Just remember one thing - If you know the stripes on a Zebra you can ride the Zebra and, if you don't know the stripes, the Zebra will ride you.

Just a thought,
Gus Downing

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