ALLIANZ GLOBAL ASSISTANCE

Back in 2008, Allianz Global Assistance (formerly Mondial Assistance) won ICMI’s Global Call Center of the Year Award (large category). I chaired the selection committee during that year’s competition, and was thoroughly impressed by how good Allianz was at customer care and contact center management.

I saw first-hand how the company backed its claims of customer-centricity by focusing intently on things like C-Sat data/feedback and contact quality; how they nailed an ambitious service level goal and other accessibility objectives without hammering agents over the head about Average Handle Time; how they created high levels of agent engagement and retention via an impressive array of rewards & recognition programs; and how they sustained such levels of engagement and retention by empowering staff to participate on teams and task forces aimed at continuous process improvement.

As a contact center, you can’t really do much better than that.

Leave it to Allianz to prove me wrong.

I recently touched base with the good folks at Allianz and discovered they have hardly become complacent since winning the aforementioned coveted award. With a new state-of-the art facility being built as we speak, a burgeoning home agent initiative in place, and a proud culture of corporate social responsibility, Allianz is redefining what it means to be a world-class customer care organization. 


Moving on Up

When I heard Allianz had recently outgrown its contact center in Richmond, Va. – with its spacious workstations, ergonomic furniture, stylistic meeting rooms and ample natural light – and was planning to move at the end of this year, I felt bad for the hundreds of employees who will have to say goodbye to the impressive facility.

Until I heard about the new one.

“We have hired a team of leading designers and architects to ensure that this will be the most associate-friendly building of its kind in the area,” says Daniel Durazo, Director of Communications (USA) for Allianz. “The build-out has just begun, but we expect to have an expanded cafeteria, a state of the art fitness facility, a coffee bar, video conference-ready meeting rooms, and much more.”

Employees needn’t worry about any major changes to their commute – the new site is just a hop, skip and a jump from where they work now. “We’ll be moving into the former Circuit City headquarters,” Durazo says, “located a couple of miles from our current location. We can’t wait to move in!”


Remote Agent Program Bringing Home Results

As excited as the Allianz crew is about the new digs, not everyone will be making the move. A team of 75 agents – roughly 15% of the center’s frontline – currently handles customer contacts from home, and are more than happy to be staying right where they are.

That’s a pretty significant number of remote staff, especially considering how new Allianz is to the work-at-home model. “The Remote Agent Program was piloted in December of 2010, and then graduated to an ongoing program in July of 2011,” explains Durazo. He points out the initiative was a direct response to the company’s annual agent survey, which revealed that agents were looking for more job flexibility. “Fortunately, the initiative turned into a win-win situation by ensuring we were meeting the needs of our associates while providing for our growing workspace needs.”

Allianz will likely add more remote agents in the near future, which should come as no surprise considering the positive impact the program has had on engagement and retention throughout the contact center. 

“The feedback we have received has been very positive. This role has been received as a privilege and associates look forward to being able to join this team,” says Durazo. "The home agent program is a very attractive benefit in the eyes of our new hires. It is one of the most frequently asked questions in new-hire training.”

Many agents may ask about home-based work, but only a relatively small number qualify for such popular positions. To do so, an agent must first work at least six months on site, consistently meet or exceed all performance objectives, demonstrate the ability to work independently, and be highly customer focused. Each candidate must also have a home office that is free of noise and interruptions, and that is equipped with high-speed Internet and a hard-wired phone line.

Having such comprehensive selection criteria has paid off thus far, not only in terms of engagement and retention but performance as well. As Durazo explains, “We’ve been able to achieve both a slight increase in quality as well as a reduction in unplanned absenteeism for associates working remotely.”


Not Your Typical “CSR”

More than its new facility and remote agent program, Allianz prides itself on the memorable service it provides. Not just to customers, but to the local community and beyond. Where in most organizations CSR stands for “Customer Service Rep”, the acronym stands for something different at Allianz.

“We have a comprehensive Corporate Social Responsibility (CSR) program that provides opportunities for all associates to become involved,” Durazo says.

Among the CSR initiatives and activities that agents, supervisors and managers participate in include assembling food-kits to be sent to hungry families in developing nations, volunteering at Ronald McDonald house, painting houses for Elder Homes, and more. In addition, whenever an employee gives a donation to their favorite charity or non-profit organization, Allianz matches it.

Durazo doesn’t like to toot the company’s own horn when it comes to social responsibility, but with a program as popular outside the organization as it is inside, it’s hard not to.

“Our CSR program is well liked [by agents], and the community recognizes us as a responsible corporate citizen.”


Allianz Global Assistance – the Big Picture:
Location: Richmond, Va.
Hours of operation: 24/7/365
Number of agents: Approximately 500
Products/services provided/supported: Provide support for a number of products/services, such as travel insurance, event ticket protector, concierge and third party administrator services.
Channels handled: Phone, email, web self-service
What’s so great about them? Their focus on contact center facility design, a burgeoning home agent program, and a culture of social responsibility keep staff inspired and performing at optimal levels.    

informedRx (an SXC company)

If somebody were to hand you a copy of informedRx’s organizational chart, you might think that you were holding it upside-down. After all, who ever heard of a contact center organization positioning its agents at the top?

Well, informedRx, for one.

“Without them, there is no us,” says Kelli Barabasz, Senior Manager of Customer Care for informedRx, a leading provider of pharmacy benefit management (PBM) solutions. “[Agents] are the frontline for our members, pharmacies, doctors, and clients. Imagine having two call centers, a director, senior managers, managers, supervisors, team leads, an escalation team… and no agents. How successful would the call center be? The easy answer is there would not be a call center any longer.”

Placing agents at the top of the org chart is much more than just a symbolic move or a publicity play. InformedRx backs its org chart model up with employee-centric action – implementing programs and practices that foster a true culture of agent empowerment and engagement.

The payoff for such employee-centricity? How about an agent turnover rate that’s been slashed in half – dropping from 54% in 2008 to 27% today. 
 

A Finned Philosophy Has Agents Hooked

You might say there’s something fishy about how informedRx keeps its agents inspired and in place.

The agents wouldn’t have it any other way.

The contact center firmly embraces the famed Fish! philosophy, which comprises four simple, interconnected concepts and practices:

·      Be There – being emotionally present to improve communication and strengthen relationships.
·      Play – bringing a spirit of creativity, enthusiasm and fun to everything you do.
·      Make Their Day – serving or delighting people in meaningful and memorable ways.
·      Choose Your Attitude – taking responsibility for how you respond to challenges and how that
          impacts everyone around you.

Of course, a company can’t just command employees to embody the Fish! philosophy; managers have to live it and let employees see its powerful effects. At informedRx, it’s incorporated into everything from agent selection and development to incentives and facility design.

“To our company, the Fish! Philosophy is not just an engagement tool – it’s a way of life,” says Barabasz. “The philosophy can be embraced in many aspects in and out of work.”

So how exactly does Fish! fit into the contact center? According to Barabasz, it starts with hiring candidates who not only have the skills and knowledge for the job, but who also have the right attitude and personality to thrive in a highly team-oriented and customer-centric environment. “We make sure they are a great fit for the work they will be doing and the people they will be working with.”

There’s plenty of Fish! in agent training, too, says Barabasz. “We create a playful business atmosphere right off the bat with our training classes.” In both initial and continuous training, agents acquire key skills and knowledge via a variety of compelling learning tactics such as role-plays, games and shadowing. Agents also see early on that leadership is “there” for them. “Within the first two days of each training class, it is required for all leadership to introduce themselves to the new team,” Barabasz explains. Throughout training, they are encouraged to stop in when they walk by even if they only have time to say hi. This shows the new team members that we are here, and here for them. It relaxes them and gives them the family feel that we promote within the call center.”

The “Make Their Day” aspect of the Fish! philosophy is highly evident in informedRx’s rewards and recognition programs. Agents who exceed objectives or show notable improvement in key areas (like Quality, Hold Time and Attendance), or who go “above and beyond” with a customer or colleague, receive plenty of public praise as well as prizes likes Fish! trophies, award certificates, gift cards and tokens that can be redeemed for merchandise in the SXC store. Some top-performers have even been rewarded with a TV or an iPod.

Fish! may seem simple on paper, but as Barabasz points out, it requires a lot of effort from management for notable increases in agent engagement and commitment to occur.

“Anyone can read Fish!, show the videos and wait for results, but the philosophy has to be embraced and change has to take place in order to have success. Our leadership team spent months behind closed doors reading and talking about Fish! in order to have a clear understanding of it. If you do not truly believe in something, then how can you expect others to?”


Agent Engagement Begets Customer Sat

With leadership working so hard to “be there” for agents and “make their day”, it’s no surprise that informedRx’s agents aim to do the same for customers. And judging by the contact center’s average C-Sat rate of 88%, the agents have succeeded.    

“The impact [on customer satisfaction] is huge!” says Barabasz. “In order to have happy customers, you have to have engaged and happy employees on the other end of the phone.”

Despite it’s consistently high C-Sat results, the center hasn’t become complacent. Managers continue to carefully analyze scores and comments from customer surveys to help identify training gaps and ensure that a high level of service is provided.

“It’s easy to lose focus on the positive things you are doing and let them slip away, and then you see your C-Sat scores fall. We look at the results to formulate a game plan to improve on the lower scores while continuing to focus [on the things that drive] the higher ones.”


informedRx – the Big Picture:
Location: Lisle, Ill, & Scottsdale, Ariz
Hours of operation: 24/7/365
Number of agents: 200-300 (depending on time of year)
Products/services provided/supported: Pharmacy benefit management (PBM) support for members, pharmacies, and doctors.
Channels handled: Live phone, IVR, email, web self-service
What’s so great about them? The contact center strongly embraces the famed Fish! Philosophy to drive agent engagement sky high and deliver stellar customer experiences.

ACTIVE NETWORK

Almost as challenging as handling all the customer contacts that Active Network’s contact center receives is managing the slew of job applications and resumes that arrive daily. Once you hear about how much Active Network values and empowers its staff, it’s easy to understand applicants’ attraction.

The San Diego-based company’s heavy emphasis on agent wellness, development and empowerment – as well as its popular work-at-home initiative – are among the key reasons why the resumes keep flowing in and existing employees keep sticking around. In fact, San Diego Business Journal named Active Network among San Diego’s Best Places to Work in 2011 and listed it among the finalists for the magazine’s “Healthiest Employers Award” in 2010. 

“The leaders of Active Network believe in our mission of connecting people with the things they love, want, and need to do,” says Dennis Triplett, Senior Vice President of Operations at Active Network. “This extends to, if not begins with, our employees. From the first day of training, our call center agents feel empowered to provide high-level customer service to our clients.”

Active Network is the largest network of activities, organizations and people linked by world-class technology. The company’s flagship media property, Active.com®, is the leading online community for people who want to discover and participate in activities about which they are passionate.


A Healthy Approach to Contact Center Management

Agents at Active Network don’t merely feel empowered; they feel powerful –thanks to the company’s passionate commitment to employee health and well-being.

Agents at each contact center location participate in a comprehensive employee participation and wellness initiative called “Active X”, which includes such offerings as daily exercise programs, walking/running groups, nutritional behavior workshops, smoking cessation courses, yoga classes, nutritional seminars, and community volunteer opportunities.

“ActiveX is the internal manifestation of our company mission, and one of the reasons why we are frequently listed as a best place to work,” says Triplett. "Our wellness beliefs are rooted in participation and the intrinsic outcomes of being part of something healthy. And our [wellness programs] are filled with success stories – in just a short period of time, they have made significant changes in our employees’ lives. These lives have touched others, infecting active participation across our company, spreading to their families and into their communities.”


Ensuring Agent Success

Having physically and emotionally fit agents on the frontline is a big benefit, but wellness programs alone don’t drive lasting agent engagement and performance improvement. That’s why Active Network invests a lot of time and effort in agent development and recognition, too.

After a careful applicant selection process, new-hires are immersed in a rigorous and engaging training program featuring a healthy mix of traditional classroom training and role-playing as well as e-learning via the center’s Learn.com web-based training/testing application.

Active Network’s agents continue to receive ample training and coaching throughout their tenure. Those committed to serious careers in customer care can take part in the contact center’s Leadership Development program, which grooms staff for more advance positions within the division. “Agents are able to apply for open positions not only in the call center,” explains Triplett, “but also in other departments in our division – particularly with the Customer Service and Help Desk departments. The majority of our call center Support staff, Supervisors, Team Leaders, and Call Center Senior Management began their career as call center agents."

There’s still plenty of opportunity and allure for agents who don’t go the Leadership Development route. For instance, all frontline staff are encouraged to participate on teams and task forces committed to enhancing performance and employee engagement. Direct agent involvement on such projects has led to numerous new programs and initiatives, including a couple of rewards & recognition programs (“Kudos” and “Shining Star”) and improved system workflows (e.g., scripting for sales calls).

Driving additional agent engagement and performance is the extra cash that agents can earn by learning advanced new skills, and by achieving goals set around such key metrics as quality, attendance and sales productivity. Says Triplett, “We foster a ‘The more you know, the more you can earn’ philosophy.”  

Not all incentives in the contact center are monetary; agents enjoy plenty of public praise and recognition whenever they exceed key performance objectives, show notable improvement and effort, or receive positive comments from customers.    
 

Work-at-Home Works Well

Many agents get to enjoy Active Network’s enticing culture without ever even having to show up to the contact center. That’s thanks to the company’s progressive and thriving work-at-home initiative, which features up to 170 home agents during the peak season.

Unlike home agents at many other organizations, Active Network’s virtual crew members are truly untethered – they can live pretty much anywhere in the U.S. Having such a non-restrictive geographical policy is a big boon to the contact center’s recruiting efforts and ability to handle an ever-fluctuating workload, says Triplett.

“We have the ability to hire high quality customer service agents in a seasonal environment without expanding the operational hours of our ‘brick & mortar’ locations.”

The only people happier than him and his management team are the home agents themselves.

“We have seen an increase in our [overall] Employee Engagement results," Triplett says, "specifically with the work-at-home team.”

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Active Network – the Big Picture:
Location: 7 brick & mortar centers (+ numerous home agents) located throughout the U.S.  
Hours of operation: Most centers are 8 am-10 pm ET. One center is 24 x 7.
Products/services provided/supported: Inbound sales and inbound/outbound service for Active Network’s technology solutions (for online registration, transaction processing, and marketing services)
Channels handled: Phone, IVR, email , web self-service, and social media
What’s so great about them? Their heavy emphasis on agent wellness, empowerment and development drives a highly engaged frontline to deliver exceptional customer service.

COMERICA BANK

When the economy went south a few years back, many organizations started focusing on employee layoffs. At Comerica Bank’s call center, the focus was more on employee engagement and empowerment.

Comerica realized that great customer service is never as important as it is during volatile times, and that such service isn’t possible unless the call center’s agents feel respected and valued. Today the folks on the frontline at Comerica’s centers in Dallas and Detroit are viewed less as customer service agents and more as customer service consultants.

“We wanted to get agents more involved and concerned with the day-to-day operations of our company,” explains Patrick O’Shea, Senior VP of Comerica’s Customer Contact Center. “Agents are the workhorses and the engine that keep every contact center running, yet they are often viewed as expendable. We did not want that culture in our center, so we partnered with the very people who could tell us best how to achieve more – our own agents.”

The overall result? A lot of Comerica customers and employees who have no plans of leaving the company anytime soon.

“Once we started working with our agents as consultants, we moved more quickly toward customer satisfaction and engagement,” O’Shea says. “This metamorphosis has led to agents becoming more engaged, as they’re now empowered to advise us on how to better operate.”


Giving Agents the Gavel

One way Comerica empowers the frontline is via the use of an “Agent Council.” The council is made up of one peer-elected delegate from each team in the call center. These delegates meet with one another and O’Shea once a month to discuss issues of interest or concern and come up with solutions that are good for agents and the business.

“The Agent Council is our ‘congress’, if you will,” O’Shea explains. “We review whatever is important to the agents, and then what is important to leadership. For instance, we may spend 25 minutes discussing dress code for the agents, followed by a 25-minute discussion on goal attainment. The benefit of the council is that we collaborate together as we forge what is best for the company, the customer and our culture.”

The council isn’t the only way that Comerica actively involves agents in continuously improving processes and the customer experience. Agent also participate in focus groups, where they are asked to provide comprehensive and candid feedback on key topics presented by management. “The focus groups are specific agenda-lead meetings for the sole purpose of information-gathering on a particular topic,” says O’Shea. “Often, results of a focus group are brought to an Agent Council meeting for review and to determine next steps.”

The council and focus groups aren’t in place just to make agents feel like they have a say; rather, real results are achieved – and the call center’s culture is strengthened, says O’Shea.

“I think we – leadership and the frontline – now have a much better understanding and appreciation for each others' duties and workload due to the council and groups. We have re-written such things as attendance policies, dress codes and escalation processes.  Each rewritten policy and procedure not only serves the company and the culture better, it always results in improved customer engagement.”

And agents certainly don’t seem to mind the extra responsibility.

“I love the Agent Council,” says one Comerica agent, Michelle. “I’ve never worked somewhere where I actually create the rules and have the ability to vote on how we run the call center.”


An Ever-Expanding Library of Service Excellence
 
Adding to Comerica’s culture of empowerment and continuous improvement is an innovative “exemplary call” initiative that is driven by the center’s agents. Any time an agent completes what they feel was an excellent call in which they provided great service and truly connected with the customer, the agent can send an email containing the call time and date to their supervisor. The supervisor locates the recording of the call in question, listens to it and, in many cases, “adds it to the ‘superstar great call’ library, which can be accessed by the entire contact center,” O’Shea explains. He points out that such calls have helped to enhance agent training and development throughout the center. “These calls can be played during training as well as team meetings and town hall events.”

The calls also lead to rewards and accolades for the agents who “star” in them. “Agents can receive prizes as well as recognition in the form of certificates to be placed on their cubicles,” says O’Shea.

The recognition that agents receive for their top calls doesn’t come only from their supervisors. Occasionally, members of senior management who have listened to an exemplary call will send a praise-filled email to the agent involved.

While the emails sent by senior management are highly coveted by recipients in the call center, the folks on the frontline are hardly blown away by such personal attention from Comerica execs. Agents are, after all, pretty used to a high level of senior management support and involvement.

“A great culture starts at the top,” say O’Shea. “Our senior management team visits our contact centers, they meet our people and they celebrate victories with them. Contact centers are a full engagement sport.”


Comerica – the Big Picture:

Location: Dallas, TX; Detroit, MI
Hours of operation: 8 am-10 pm CT
Number of agents:  285
Products/services provided/supported: The sales and servicing of all Comerica financial products.
Channels handled: Phone, IVR, email, online banking (web self-service)  
What’s so great about them? Their dedication to agent engagement and empowerment has led to notable increases in employee retention and performance, not to mention customer loyalty. 

SCOTIABANK'S TORONTO CUSTOMER CONTACT CENTRE

If the high level of job satisfaction enjoyed by agents in Scotiabank’s Toronto Customer Contact Centre ever starts to erode, they’ll likely have themselves to blame. After all, they help make many of the key decisions regarding the center’s programs and policies.

You’ll find few front-line crews as empowered as these customer care specialists. From serving critical roles on cross-functional committees to discussing ideas and concerns directly with executive level officers, Scotiabank’s agents are positively instrumental in helping to continuously improve the call center – and the customer experience.

“[They] are the lifeblood of the entire contact center – that’s why we give them the autonomy to tell us how they feel about how things should be done,” says Stephen Gaskin, VP of Scotiabank Customer Contact Centres. Having our [agents] involved and in control of these things is important in making it ‘theirs’, and ultimately it brings a very positive attitude that moves across the center every day like a wave.”

Such a high level of empowerment and respect for agents is a big reason why Scotiabank’s Toronto operation recently earned Platinum Level Certification from CCEOC (Contact Center Employer of Choice). “It’s difficult to describe in words how very important it was for us to achieve the Platinum CCEOC designation,” says Gaskin. “You could meet all the bottom lines you want, and achieve as many statistical goals as you can, but if your employees aren’t happy then you will have difficulty sustaining your success.”


Agent-Assisted Committees Elevate Performance and Engagement Center-Wide

Scotiabank’s agents don’t point fingers when they see a problem; they work together in dedicated groups to improve it. The center has a variety of committees that agents can take part in to help solve issues, enhance performance and raise the overall level of enthusiasm on the front lines.

A prime example is the Professional Development Committee (PDC), which is focused on career as well as personal development for employees. “They’ve gathered a whole treasure trove of resources that are accessible to everyone and put them all online for easy access,” Gaskin explains. “When you top all that with career fairs and learning workshops, you quickly realize their importance.”

Gaskin is equally proud of the center’s Rewards & Recognition Committee (R&R). Agents who serve on this committee help plan a special monthly activity or campaign aimed at increasing employee motivation. “It’s always something fun…and something that promotes our business objectives,” says Gaskin. “These events are fantastic: They bring people together and always cause an exciting ‘buzz’ around the center.”

One of the most popular recent events was “The R&R Amazing Race.” The committee put together a series of strategic activities, and each team had to complete one activity before moving to the next, with the winning team earning a free dinner. Says Gaskin, “It was just like the actual TV show, only every activity included a learning opportunity in addition to being fun and challenging.”


“My 15” Builds Bridge Connecting Execs and Agents

Scotiabank’s agents are fine with not being actual reality TV stars. After all, they know that 15 minutes of forgettable fame can’t compare to 15 minutes of meaningful face-time – especially when the faces involved are those of Scotiabank executives.

It’s all part of an innovative initiative called “My 15”. 

“‘My 15’ is a very popular program that allows anyone in the Contact Centre to spend 15 minutes with any member of our Leadership Team to discuss anything they want,” Gaskin explains. “In fact, it’s so popular that we’ve actually held several of them already. There are no restrictions to the type of topics [agents] can bring up.”

He adds that the leaders find “My 15” to be as valuable to them as it is to agents, and that several ideas have been put into action as the result of the meet-ups. Examples include the creation of a new Career Planning website and an increase in “green” initiatives in the contact center.  

Not that “My 15” is all about projects and continuous improvement. Often, says Gaskin, it’s simply about people.

“The program works so well in personalizing the environment in which we work. If our agents know more about their leaders and their interests, it often inspires them to go that extra mile in whatever they’re doing – and vice versa. Sometimes it’s as simple as spending 15 minutes with someone to overcome some automatic stereotypes that are often associated with leaders or executives.”

That being said, Gaskin points out that if you are an executive who is considering implementing a similar program in your center, you’d better be prepared for a little extra work. “One caution I have for anyone who tries a ‘My 15’ program is to book another two to three days after a day of My 15’s in order to meet all the commitments you might make to [agents] during their sessions.” 


“Love the One Your with”

When not busy offering valuable input and working on important projects, Scotiabank agents do what they do best: Delivering positive customer experiences via phone and email. Management has made that critical task a lot easier for front-line staff by removing what it feels is a common deterrent of good service in call centers: Electronic readerboards.

Instead of subjecting agents to the constant flashing of productivity-based stats, Scotiabank emphasizes the importance of quality and issue resolution – thus empowering staff to focus on the customer, not the queue.  

“For us, it’s about how well we’ve served our customers and met their needs,” explains Gaskin. “We don’t want our agents rushing through a call just so they can get to the next person – it’s not about that. When I speak to new hires – especially new hires from other contact centers – I emphasize this point. I say, ‘Love the one you’re with,’ meaning focus on the customer you are with, connect with them and ensure that the reason for their call is resolved.”

Gaskin adds that the call center’s dedicated workforce management analysts – not its agents – are ultimately responsible for keeping queues in check, pointing out that with proper forecasting/scheduling and intelligent routing, most of the productivity issues are taken care of.

That’s not to say that Scotiabank agents haven’t a care or a clue about efficiency. From the moment they start new-hire training, they learn “how to shorten calls without impacting quality,” says Gaskin.


Phone Pros without Pants

Adding to the perks of being a Scotiabank agent is the opportunity to handle customer contacts in just your underwear. The company recently launched a telecommuting program featuring 45 agents who work from the comfort of their home. That number will grow substantially, says Gaskin, due to the tremendous success of the home agent initiative early on.

“This is just the beginning of this innovative program. The impact is already amazing: Agents who work from home are always on time (they don’t have to travel!); we save on real-estate and parking; and [agents] are happier being where they are because they can be close to their families.  We also promote the 'green' benefits.”

Gaskin adds that embracing the virtual staffing model enables the call center to retain highly talented staff who move out of the area due to family/partner relocation, or who cannot commute for other reasons.

“Working from home often proves to be a great solution for keeping some of our best agents we would have otherwise unfortunately lost.”

 
Scotiabank Toronto – the Big Picture :

Location: Toronto, Ontario (Canada)
Hours of operation: 24/7/365
Number of agents: Approximately 800
Products/services provided/supported:  Day-to-day banking, VISA, insurance,
investments, call redirect, disputes, credit adjudication
Channels handled: Phone, IVR, email, TTY
What’s so great about them? They have in place a number of innovative programs and policies to keep agents highly empowered, engaged and focused on the customer experience.