My focus area of expertise honed over the past 40 years in the workplace centers on the understanding of consumers, consumer segments, effective marketing and communication approaches under the business area of financial services. I can provide guidance in the following business areas: Financial services and consumer payments Marketing approaches and communications channel strategies and tactics Consumer trends applicable to all businesses Consumer targeting through demographic, attitudinal and behavioral understanding I can assist in the following skill areas for business: Understanding consumers through market research execution Business writing In-person presentation and communication skills Virtual presentation and communication skills Analytic thinking Understanding and utilizing data for business initiatives and business decision-making How to utilize story-telling to influence and persuade customers, vendors, and influencers