About
Global strategy and thought leadership executive with demonstrated success developing…
Articles by Stephen
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I'm honored and excited to join an organization that is deeply committed to community and genuinely cares about its employees and…
I'm honored and excited to join an organization that is deeply committed to community and genuinely cares about its employees and…
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With only a few weeks of summer travel left, American consumers are once again proving that money spent on traveling with loved ones is still a…
With only a few weeks of summer travel left, American consumers are once again proving that money spent on traveling with loved ones is still a…
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Could the next phase of sustainable innovation unfold like the quality management movement? My colleague, Eamonn Kelly, makes a compelling…
Could the next phase of sustainable innovation unfold like the quality management movement? My colleague, Eamonn Kelly, makes a compelling…
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Experience
Licenses & Certifications
Volunteer Experience
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Member Board Of Directors
West Side Campaign Against Hunger
- Present 24 years 1 month
Poverty Alleviation
As Chair and Vice Chair, I have led WSCAH through 3 five year plans and facilitated numerous offsite and workshops.
Most recently, I have engaged in WSCAH's prototyping of a mobile pantry that meets customers where they are with choice, dignity and a sense of community. We've launched our first custom built mobile pantry truck and I look forward to helping WSCAH scale the program in the coming months and…As Chair and Vice Chair, I have led WSCAH through 3 five year plans and facilitated numerous offsite and workshops.
Most recently, I have engaged in WSCAH's prototyping of a mobile pantry that meets customers where they are with choice, dignity and a sense of community. We've launched our first custom built mobile pantry truck and I look forward to helping WSCAH scale the program in the coming months and years.
http://www.westsidespirit.com/local-news/20180522/a-food-pantry-on-wheels
Publications
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The US travel industry continues marching toward recovery despite a slowing economy and prolonged financial concerns among Americans. Behind it all might be a consumer still making up for lost time and prioritizing leisure travel spending.
Deloitte Insights
Amid sustained financial concerns, the US travel industry continues to move toward recovery, buoyed by consumers determined to prioritize leisure travel spending.
Other authorsSee publication -
State of the US consumer: Americans feel slightly more optimistic about their personal finances and the direction of the economy, but consumers are signaling stronger intentions to replenish their savings rather than spend more.
Deloitte Insights
Americans feel slightly more optimistic about their personal finances and the direction of the economy, but consumers are signaling stronger intentions to replenish their savings rather than spend more.
Other authorsSee publication -
State of the US Consumer: February 2023: Long-term optimism tempered by short-term caution
Deloitte Insights
US survey respondents are feeling slightly better about the direction of the economy, but spending intentions continue to signal near-term caution
Other authorsSee publication -
At the grocery store, the number of consumers making trade-offs and economizing to shield themselves from rising food prices shows little sign of abating. Collectively, their efforts may help fight inflation itself.
Deloitte Insights
With persisting inflation leading to rising food prices, consumers are making trade-offs and economizing their food purchases.
Other authorsSee publication -
State of the US Consumer: January 2023: Americans respond to easing inflation.
Deloitte Insights
Financial sentiment and spending intentions see a slight boost as Americans experience a sliver of inflation relief.
Other authorsSee publication -
The rise of digital goods and services: Opportunity over threat: Digital goods and services represent an estimated 3% of the US consumer’s wallet, with many signs pointing to growth.
Deloitte Insights
For the consumer industry, the ongoing revolution in digital goods and services represents both challenges and opportunities. Digital goods and services have a share of the consumer wallet that's on par with apparel. In a zero-sum game, that has implications for Consumer companies.
Other authorsSee publication -
State of the US Consumer: December 2022 -- Closing 2022 with a sliver of optimism
Deloitte Insights
Spending intentions bounce higher as Americans respond to easing inflation. Savings levels, meanwhile, remain a concern.
Other authorsSee publication -
Exploring 2022’s toll on global financial well-being: Four in 10 global survey respondents feel their financial situation worsened in 2022. But consumers continue to signal resilience.
Deloitte Insights
Amid news of record-high inflation, rising interest rates, and other macroeconomic events, consumers faced a challenging 2022. As we step into a new year, we examine how these forces have shaped consumer spending and confidence.
Other authorsSee publication -
The cost of buying green: Part II: Demand for pricier green products continues to slip worldwide. But the trend might be a bullish signal for the future of green products.
Deloitte Insights
Amid persisting inflation, consumers are pulling back on sustainably produced goods and services, citing costs. What does this mean for the future of living sustainably?
Other authorsSee publication -
State of the US consumer: November 2022
Deloitte Insights
Inflation continues to take a toll on consumer discretionary spending intentions in the United States
Other authorsSee publication -
When inflation concerns persist for too long: Inflation concern has been widespread among Americans for more than a year. For many, the prolonged situation is likely taking its toll on spending decisions
Deloitte Insights
With inflation worries persisting for over a year, a longer-term impact on consumer sentiment and spending decisions is likely.
Other authorsSee publication -
2022 Deloitte holiday survey
Deloitte Insights
The 2022 Deloitte holiday survey explores how the holiday shopping season will be defined by shifting priorities as consumers find ways to keep the holidays festive amid high inflation.
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State of the US consumer: October 2022
Deloitte Insights
Inflation persists and consumer concern remains widespread. Spending intentions weaken under prolonged pressure—particularly discretionary spending.
Other authorsSee publication -
State of the US consumer: September 2022
Deloitte Insights
Financial sentiment has improved slightly among Americans in recent months. Easing of inflation concerns could be behind the trend.
Other authorsSee publication -
Revisiting the great rethink
Deloitte Insights
How has consumer sentiment, around well-being, work-life balance, and personal change, shifted amid inflation concerns?
Other authorsSee publication -
State of the US Consumer: August 2022
Deloitte Insights
Consumer inflation perceptions ease slightly—but the impact on financial sentiment remains mixed.
Other authorsSee publication -
Leading at the front(line): Diversity, equity, and inclusion imperatives
Deloitte Insights
Disruptive construction technology is changing the industry’s relationships and driving the industry to evolve.
Other authorsSee publication -
The shape of consumer spending
Deloitte Insights
Potent forces are shaping today’s spending decisions—particularly the more discretionary ones—sending mixed signals worldwide.
Other authorsSee publication -
State of the US consumer: July 2022
Deloitte Insights
As the cost of living rises, Americans are likely to dip into their savings to weather the storm.
Other authorsSee publication -
2022 Deloitte back-to-school survey: New priorities emerge in a season of replenishment
Deloitte Insights
The 2022 back-to-school survey explores how, despite rising prices and broader uncertainties, consumers remain resilient.
Other authorsSee publication -
2022 Deloitte back-to-school survey: New priorities emerge in a season of replenishment
Deloitte Insights
The 2022 back-to-college survey examines consumer spending against a backdrop of rising inflation, sustained tech spending, and shifting priorities.
Other authorsSee publication -
State of the US consumer: June 2022
Deloitte Insights
As inflation bites, Americans appear worried about their personal finances and are eyeing cuts to discretionary spending.
Other authorsSee publication -
Driving Accountable Sustainability in the consumer industry: Governance is emerging as an unexpected catalyst of environmental progress
Deloitte Insights
Companies on the ESG journey can make more progress on "E" by focusing on “G”—a governance-led approach called Accountable Sustainability.
Other authorsSee publication -
State of the US consumer: May 2022
Deloitte Insights
More Americans cite concerns about making upcoming payments, savings, and credit card debt—but optimism that personal financial situations will improve within the next three years holds steady.
Other authorsSee publication -
When rising prices break consumers’ trust: As consumers across the world voice louder concerns over rising prices, many are starting to feel companies are price taking—a sentiment linked with spending pullbacks
Deloitte Insights
As consumers across the world voice louder concerns over rising prices, many are starting to feel companies are price taking—a sentiment linked with spending pullbacks.
Other authorsSee publication -
State of the US consumer: April 2022
Deloitte Insights
Despite persisting financial concerns, discretionary spending intentions hold steady.
Other authorsSee publication -
We’ve had a lot of time to think, and we’re thinking a lot about time: Why consumers around the world are resetting the clock around how they spend their time, and what it means for consumer businesses
Deloitte Insights
The pandemic has changed several things, including our perception of time and how it can be better spent. What does this mean for consumer businesses?
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State of the US consumer: March 2022
Deloitte Insights
Safety concerns around COVID-19 in the United States have begun to give way to financial concerns.
Other authorsSee publication -
From one financial challenge to the next: Against the backdrop of a persisting pandemic and record-high inflation, a story of consumer bifurcation unfolds
Deloitte Insights
How are different income groups weathering the double impact of record-high inflation and a persisting pandemic?
Other authorsSee publication -
State of the US consumer: February 2022
Deloitte Insights
Anxiety is rising as consumers’ focus shifts from COVID-19 to finances.
Other authorsSee publication -
The pursuit of happiness … if you can afford it: How the pandemic likely accelerated consumer bifurcation in America
Deloitte Insights
Financial challenges faced by lower-earning Americans are mounting; how is consumer spending changing because of this income disparity?
Other authorsSee publication -
State of the US consumer: January 2022
Deloitte Insights
Americans are worried about the considerable rise in the prices of their daily purchases.
Other authorsSee publication -
How remote work is influencing what we buy: Our latest consumer research explores the global state of working from home and how it’s shaping our purchase intentions
Deloitte Insights
Our latest consumer research explores the global state of working from home and how it’s shaping our purchase intentions.
Other authorsSee publication -
Is the world really going through some great rethink? How the pandemic has reshaped people’s priorities and what it means for the consumer business
Deloitte Insights
How a collective experience of nearly two years is reshaping people’s priorities, and what it means for consumer behavior and the consumer business.
Other authorsSee publication -
2021 Deloitte holiday travel survey
Deloitte Insights
Four in 10 Americans plan to travel over the holidays. Still, COVID-19 informs decisions across the journey, and continues to prevent and curtail some travel.
Other authorsSee publication -
2021 Deloitte holiday retail survey: Holiday shopping—establishing the next normal
Deloitte Insights
As we enter the second holiday season during the pandemic, it’s evident that some shopping patterns and behaviors have been permanently altered while some new trends are here to stay.
Other authorsSee publication -
2021 Deloitte back-to-college survey: Spending rebounds as confidence rises
Deloitte Insights
As COVID-19 concerns abate, college shopping lists are growing longer—and more tech-heavy. Read on for four takeaways from our latest back-to-college survey to see how parents and students are preparing for the school year ahead.
Other authorsSee publication -
Executive voices on pandemic recovery: Five ways consumer companies are emerging stronger
Deloitte Insights
Consumer industry executives report that the changes required by the pandemic may be lasting.
Other authorsSee publication -
2020 Deloitte holiday retail survey: Reimagining traditions
Deloitte Insights
Holiday shopping patterns are shifting, but COVID-19 isn’t cancelling the holidays.
Other authorsSee publication -
2020 Deloitte back-to-college survey: Reimagining the return to class
Deloitte Insights
COVID-19 impacted most of the country's colleges, forcing roughly 20 million students into virtual learning environments. Deloitte’s annual back-to-college survey explores the spending intentions of 1,025 parents.
Other authorsSee publication -
2020 Deloitte back-to-school survey: Learning to grow amidst uncertainty
Deloitte Insights
COVID-19 has created a difficult environment for parents to navigate and has changed how they’re planning for the school year. Deloitte’s annual back-to-school survey examines the spending intentions of 1,200 parents.
Other authorsSee publication -
Small positive signs in the consumers’ dual-front crisis: The road to recovery may be opening, but only slowly
Deloitte Insights
With some economies reopening and many still enforcing stay-at-home orders, how is overall consumer confidence faring? Explore our global survey findings to find out.
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In the throes of a dual-front crisis: Establishing the road to a global consumer recovery
Deloitte Insights
How is the interplay between personal safety and economic concerns affecting consumer spending behavior? Explore our global survey findings to find out.
Other authorsSee publication -
2019 Deloitte holiday retail survey: Keeping the good times rolling
Deloitte Insights
It’s looking like another cheerful holiday season for retail in 2019. Explore what our 34th annual holiday retail survey, which polled 4,410 respondents across the United States, reveals about consumers’ perceptions, attitudes, and holiday shopping behaviors.
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Outperforming in a data-rich, hyper-connected world
IBM Center for Applied Insights
Systems, devices and physical objects are “talking” to one another, too. There are upwards of a trillion connected and instrumented things: cars, appliances, cameras, roadways, pipelines...even pharmaceuticals and livestock. Today, there are a billion transistors per human, each one costing one ten-millionth of a cent.6 Add to that roughly 30 billion RFID tags embedded into our world7–more than four for every man, woman and child on the planet – and you get a sense of how big “big data”…
Systems, devices and physical objects are “talking” to one another, too. There are upwards of a trillion connected and instrumented things: cars, appliances, cameras, roadways, pipelines...even pharmaceuticals and livestock. Today, there are a billion transistors per human, each one costing one ten-millionth of a cent.6 Add to that roughly 30 billion RFID tags embedded into our world7–more than four for every man, woman and child on the planet – and you get a sense of how big “big data” is.
It’s exciting in theory – but leaders everywhere are wondering how to harness the power of all this information to improve the effectiveness and efficiency of their enterprises and institutions. CMOs want to understand their customers better and connect on a personal level. CIOs are looking beyond efficiency, to how technology can enable game-changing business models. CFOs want to improve profitability today and use what they know to make the best moves tomorrow. Mayors are looking to improve their citizens’ safety, prosperity, health, transportation, education and lifestyle – and their cities’ competitiveness in a global market for talent and investment.
All of these leaders want to know how the world’s best forward thinkers are using data to understand their environment, anticipate what it means and drive action. Are leading enterprises seeing measurable economic benefits? Can they actually anticipate outcomes and even shape their environment?Other authorsSee publication -
The Enterprise of the Future: Implications for the CFO
CEOs anticipate staggering amounts of change ahead. Are CFOs and their organizations shining the headlights in the right direction? Can their analytical expertise help the entire enterprise manage change more effectively?
Other authorsSee publication -
Balancing Risk and Performance with an Integrated Finance Organization
IBM Institute for Business Value
The Global CFO Study 2008: In the globally interdependent marketplace, CFOs need their organizations to perform well and want to outperform their peers with consistently strong growth and big profits. They want to be superbly agile with change, tenacious with unexpected opportunities and resilient to risk. Most try to do so by letting their busi- ness units and geographies conduct Finance activities according to specialized standards and provincial preferences. But, according to a new IBM study…
The Global CFO Study 2008: In the globally interdependent marketplace, CFOs need their organizations to perform well and want to outperform their peers with consistently strong growth and big profits. They want to be superbly agile with change, tenacious with unexpected opportunities and resilient to risk. Most try to do so by letting their busi- ness units and geographies conduct Finance activities according to specialized standards and provincial preferences. But, according to a new IBM study of more than 1,200 CFOs and senior Finance professionals, this is usually the wrong approach.
Rethinking business models, operations and the impact of riskOther authorsSee publication -
Retail CFO Study spots critical gaps: Information integration and risk management fall short
IBM Institute for Business Value
According to an IBM study of more than 1,200 CFOs and senior Finance professionals, very few organizations – in any industry – are prepared or flexible enough today.1 For the retail industry, shaky consumer confidence intensifies the financial management challenges. Our study shows that retailers must address substantial gaps between what they recognize as important and what they are actually doing. To understand and serve their customers better, retailers must improve the level of information…
According to an IBM study of more than 1,200 CFOs and senior Finance professionals, very few organizations – in any industry – are prepared or flexible enough today.1 For the retail industry, shaky consumer confidence intensifies the financial management challenges. Our study shows that retailers must address substantial gaps between what they recognize as important and what they are actually doing. To understand and serve their customers better, retailers must improve the level of information integration and manage risk more effectively, and above all, become better at turning customer specific data into insights and actions needed across all functions.
Other authorsSee publication -
Orchestrating risk-adjusted performance management: Identify and address risk events better and faster
IBM Institute for Business Value
There’s no denying the prevalence of new opportunities and risks in today’s global environment. Yet, most enterprises are failing to put risk into the context of overall performance. By treating risk and performance management (sometimes referred to as corporate, enterprise or business performance management) as separate disciplines, they miss opportunities to limit surprises and/or capitalize on the upside of risk. CFOs are well-positioned to encourage a more holistic and cross-silo view of…
There’s no denying the prevalence of new opportunities and risks in today’s global environment. Yet, most enterprises are failing to put risk into the context of overall performance. By treating risk and performance management (sometimes referred to as corporate, enterprise or business performance management) as separate disciplines, they miss opportunities to limit surprises and/or capitalize on the upside of risk. CFOs are well-positioned to encourage a more holistic and cross-silo view of risk. Integrating risk into planning, budgeting, reporting and forecasting can lead to better decisions through risk-adjusted plans and budgets.
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Balancing Risk and Performance with an Integrated Finance Organization: Implications for Chemical and Petroleum Industry CFOs
IBM Institute for Business Value
Rethinking business models, operations and the impact of risk
Nothing is constant in C&P businesses today – nothing, that is, but change. Markets restructure as new players enter the field, companies merge, joint ventures are launched or commodity markets spring up. And the customer influence is stronger. emerging nations increase demand for fuel and products. Customers want more for less. Feedstock prices and availability of reserves are volatile. Operational complexity is high – as…Rethinking business models, operations and the impact of risk
Nothing is constant in C&P businesses today – nothing, that is, but change. Markets restructure as new players enter the field, companies merge, joint ventures are launched or commodity markets spring up. And the customer influence is stronger. emerging nations increase demand for fuel and products. Customers want more for less. Feedstock prices and availability of reserves are volatile. Operational complexity is high – as companies move into increasingly remote, technologically and logistically complex locales. On top of the business complexities are the geopolitical dynamics from facility investments in new countries, nationalization of companies by governments, political instability and health, safety, and environmental influences. And most of these changes can be tied back to globalization – the fact that the world is truly a single global market.Other authorsSee publication -
The agile CFO: Enabling the innovation path to growth
IBM Institute for Business Value
The CFO’s role is changing. CFOs seeking to lead their companies to greater competitiveness, more profitability and higher share values are enabling innovation. CFOs are uniquely equipped to facilitate innovation and support the CEO’s agenda in ways they haven’t before. This new CFO, the Agile CFO, uses his or her c-suite presence and horizontally cross- cutting role to bridge the distance between innovative theory or ideas and real-world implementation.
Other authorsSee publication -
The agile CFO: Acting on business insight
IBM Institute for Business Value
The IBM 2005 Global CFO Study surveyed 889 CFOs and senior Finance professionals in 74 countries. This study, which provides a comprehensive assessment
of the agenda of CFOs today, underscores Finance’s transition from primarily stewarding information to also leveraging that information to deliver predictive business insight to decision makers across the enterprise.
In the IBM 2004 Global CEO Study, CEOs told us that growth and responsiveness topped their agendas. In the IBM 2005 CFO…The IBM 2005 Global CFO Study surveyed 889 CFOs and senior Finance professionals in 74 countries. This study, which provides a comprehensive assessment
of the agenda of CFOs today, underscores Finance’s transition from primarily stewarding information to also leveraging that information to deliver predictive business insight to decision makers across the enterprise.
In the IBM 2004 Global CEO Study, CEOs told us that growth and responsiveness topped their agendas. In the IBM 2005 CFO Study, CFOs indicated that Finance’s top areas of importance were performance, growth and risk. These responses track with CEOs’ agendas. In fact, more than half of the participants in the 2005 CFO Study placed the highest importance on managing enterprise performance, partnering with the enterprise to support growth strategies, continuously making process/business improvements, strengthening controls and meeting fiduciary requirements. The delivery of insight related to each of the top areas of importance is critical to enhancing the responsiveness of decision makers and, thus, the enterprise.
Yet, with the exception of compliance and fiduciary requirements, there are large gaps in most Finance organizations between the importance placed on deliv- ering insight and their ability to deliver it. These gaps are primarilydrivenbyalackofstandardization,alackof common processes, inconsistent tools/applications and fragmented information.
Highly effective Finance organizations in our study have enabled delivery of insight by addressing its inhibitors: structural complexity and fragmented information.
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If there is a silver lining to collectively living through the hottest two days in recorded history recently, it may be that shifting extreme weather…
If there is a silver lining to collectively living through the hottest two days in recorded history recently, it may be that shifting extreme weather…
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🌍 Despite Decades of Climate Warnings, Many Remain Unconvinced Despite decades of urgent warnings about climate change, a significant portion of the…
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Circularity requires us to rethink materials, products, systems, processes and behavior so that we are reusing the same atoms over and over again…
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So excited for today's #olympic opening #ceremony for so many reasons: 1. To share with my kids, who will likely remember this as their first…
So excited for today's #olympic opening #ceremony for so many reasons: 1. To share with my kids, who will likely remember this as their first…
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The quick-read #WSJ CMO Today version of our research paper on grocery shopping and personality is out. We found 95% of consumers globally identify…
The quick-read #WSJ CMO Today version of our research paper on grocery shopping and personality is out. We found 95% of consumers globally identify…
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Value or loyalty—what drives your #shopping decisions more? In our back-to-school survey, 66% said they prioritize #value. Learn more: Authors: Nick…
Value or loyalty—what drives your #shopping decisions more? In our back-to-school survey, 66% said they prioritize #value. Learn more: Authors: Nick…
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Getting together with fellow #Consumer #IndustryAdvantage leaders at #deloitteuniversity this week was so energizing. Surrounded by Deloitte's best…
Getting together with fellow #Consumer #IndustryAdvantage leaders at #deloitteuniversity this week was so energizing. Surrounded by Deloitte's best…
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“The healthfulness of food is finally being prioritized and it will (hopefully) finally be paid for in part by the government,” said Alyson…
“The healthfulness of food is finally being prioritized and it will (hopefully) finally be paid for in part by the government,” said Alyson…
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I enjoyed a memorable evening at the Chicagoland Habitat for Humanity #HabitatHero Award Dinner celebrating the remarkable humans who are helping to…
I enjoyed a memorable evening at the Chicagoland Habitat for Humanity #HabitatHero Award Dinner celebrating the remarkable humans who are helping to…
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Let’s get personal - what is your food personality? Mine is definitely health-motivated! Our research among 228,000 adults across 12 countries…
Let’s get personal - what is your food personality? Mine is definitely health-motivated! Our research among 228,000 adults across 12 countries…
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