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CASE 3
A BANKING BASIC SKILLS PROJECT
(NEET)


The Problem and the Context

This program was conducted by WEC at a downtown branch of a major corporate bank in a large midwestern U.S. city. The bank has 17,000 employees working in an estimated 100 locations across the country. The branch is one of eight such locations in the city and is part of the corporate banking division specifically dealing with remittance banking. Checks that come to this location are addressed directly to the bank, usually in self-addressed business-reply envelopes containing the destination bank's zip code and a box number that identifies its corporate client. The box into which the checks are deposited in such a service is called a "lockbox." Each corporate client that uses this service provides the bank with written instructions outlining how to handle its checks. Employees at the lockbox division needed to be able to read these instructions and enter data into computers according to the client's instructions. This data entry process became a focal point of attention because of frequent errors. These errors added to the bank's expense because systems had to be put in place to catch them. One such system involved having each check amount entered both in numeric and verbal form, numeric by one worker, verbal by another. If the two did not match, the software would indicate an entry error.

This system of data entry not only increased the workload, it also required that employees improve their skills in speed of entry of written numbers. This is a skill that involves reading the amounts in words on each check and translating the words into numerals for keyboard entry. In addition, the employees in question needed to be able to read the written instructions provided by clients regarding how their account was to be managed. The bank decided that workplace literacy training was required for its nonexempt employees, that is, employees who are paid hourly. Such employees comprised 85% of the establishment; the other 15% are salaried. WEC was engaged as provider for the training program, which was titled Non-Exempt Education and Training (NEET).

The bank has traditionally provided for the training needs of its salaried employees. This training, which sometimes leads to a formal degree, is approved by the bank's training coordinator. According to the training coordinator, 85% of the training dollars are typically spent on the top 15% of the corporation's employees. Most of their training consists of enrolling in formal education courses for which the bank pays. NEET was for workers who were deficient in skills needed for their work but who did not receive training through other programs. The banking services program which will be described here was administered by WEC in close partnership with the bank's training coordinator as a part of NEET.


NEET

The NEET program began in 1991 with employees of the lockbox section. In 1992, employees in the remittance section were included. Three classes totaling twenty-nine people completed the training. Classes were scheduled to coincide with the end or start of the employees' work shifts for minimum disruption of the organization's work schedule. This case is based on observation of a training program involving employees of the bank's remittance section.


Planning and Proposal Writing

The planning of this program was carried out by WEC in close cooperation with the NEET coordinator from the bank. It followed the pattern of other programs run by WEC with the advantage that NEET had its own full-time coordinator from the bank who initiated contact with WEC. As usual, an informal needs assessment was done to determine program viability and to collect preliminary data to be used as a basis for proposal writing. Subsequently, the proposal received state funding from the Secretary of State Workplace Literacy Grant Program. A literacy audit to determine the skills required for the nonexempt employees was performed, followed by a formal employee skills assessment using the TABE as a pretest and a screening tool. The TABE is one of the recommended standardized tests for the state-mandated pre-/posttesting. The assessment was on a voluntary basis. Those employees who scored at the 8th grade or below were asked to join the new program although they were not told about their grade level test scores.

The program designers had to promote this program internally, taking into account the sensitivities of workers regarding their being targeted for literacy training.


Needs Assessments

The literacy audit was performed using the WEC model previously described. Management was consulted to determine the bank's short-term and long-term goals that the program would need to integrate into its course objectives. Interviews with supervisors were conducted to obtain a description of the employees' jobs and to identify competencies that were required for satisfactory work performance. Workplace materials were collected, including forms, manuals, and instruction sheets. The audit yielded an initial pilot curriculum that was to be used as a prototype to gauge the ability of employees to overcome their fear of returning to the classroom, in some cases after many years.

The coordinator's comments indicated that needs assessment had another agenda apart from determining what competencies the employees needed. It also served to formulate strategies for convincing higher management of the need for such a program--a program which interrupted employees' work in order to allow them to go to class on paid release time. Indeed, some management found it difficult to link training with data entry errors and needed to be convinced.


Skills Assessment

Employee skill assessment followed WEC's pattern. The NEET program coordinator provided the following account:

There are about 250 nonexempt people at the [Jackson] Street location. These were initially told about the intended program and asked for voluntary assessment. One hundred and sixty employees took this assessment based on the TABE (Test of Adult Basic Education). This was privately scored, and those who scored eighth grade or below were asked to join the program. The grading was not mentioned to the employees. They were only told about their strengths and weaknesses.

As indicated earlier, the employees were not told about their grade-level scores which, it was felt, would be interpreted negatively by them. Instead they were told only about their strengths and weaknesses and how joining the program would help build their strengths and address their individual weaknesses. At the time of our observations, twenty-nine employees had moved beyond the assessment process.


Curriculum Model

The literacy audit resulted in a customized course dealing with a number of skills which were designed to improve (1) speed and accuracy in transcription of numbers; (2) math skills such as working with decimals and round numerals, and for work on time cards, time zones, and military time-telling; (3) reading skills such as skimming and scanning documents; and (4) problem solving. The course we observed had four modules, as follows:

Module One: Vital Number Skills

Module Two: Math Refresher (decimals and percentages)

Module Three: Reading and Writing

Module Four: Problem Solving

Classes observed were on the vital number skills and problem-solving modules. As was usual for WEC programs, the courses consisted of nine weeks of instruction for a total of thirty-six contact hours. The curriculum was, for the most part, workplace-relevant, though applications from outside of the job were entertained, especially in the problem-solving class. Examples from life outside of the bank were frequently used, but the focus was on improving job-related skills.

The following three categories of training materials were observed: (1) custom-made materials designed for this specific program by the trainer; (2) materials adapted from printed commercial sources; and (3) job-related materials such as memos, forms, and manuals. The trainer relied heavily on worksheets and exercises she had designed. In addition to the formal curriculum, she repeatedly provoked trainees to be more proactive and aggressive in pursuing their ambitions. Adopting a Freirean stance, the trainer seemed to be concerned about the impact of the program not just on the immediate work situation, but on the lives of the workers as well, showing workplace education as a tool to further oneself in life.


Instruction


Problem-Solving Module

The trainees brought to class actual examples of problems from their jobs so that the trainer could use them to teach work-related problem-solving techniques. Alternative solutions and approaches to problems were sought. In a class exercise, for example, the trainer provided a list of problems and separate solutions and had the trainees link each given problem with a suitable solution. The problems were categorized as personal, practical, communication, or value conflict. Participants were then asked to identify problems occurring at work and then to identify the categories into which they fit.

Part of the problem-solving training involved teaching participants to enquire (i.e., to ask questions or write memos asking questions) so that they could clarify issues at work. This was especially so for the materials used on the job such as the report forms that employees regularly filled out. These forms contained many cryptic abbreviations which had meanings even the supervisors did not always know. The instructor got trainees to find out what each abbreviation meant. Examples of how to construct a memo to solve problems were given. Steps on how to do so were taught to the participants as follows:

  1. State the problem.
  2. Explain why it is a problem and do so from the management's perspective. For example, the microwave doesn't work in the cafeteria, and this causes workers to spend a lot of time going elsewhere to warm food, hence causing them to be late arriving back from breaks.
  3. Offer a solution.

The trainees were also trained to anticipate problems and have contingency plans. Practical life problems were used as references. For example, if an employee's babysitter failed to turn up, then he or she should have a "plan B" in the form of a back-up babysitter. Other examples of contingency plans were (1) keeping emergency phone numbers handy, (2) keeping spare cash handy for unpredictable emergencies (e.g., having no paycheck at the end of the month), or (3) always having coins to use in a pay-phone if one got stranded.


Vital Number Skills Module

In this module, literacy and numeracy were taught within the context of their application to tasks that were part of employees' jobs. For instance, in one session we attended, the focus of instruction was on reading and writing whole numbers, especially with regard to writing checks. Additionally, common errors in spelling words such as forty (often misspelled fourty) were discussed.

In one exercise, the instructor read numbers aloud to trainees, who wrote each number down first numerically and then in words, ensuring the correct spelling and use of hyphens and commas. The numbers were 48; 8306; 99; 1907; 1612; 777; 206001; 10909; 2808498; and 433805. The last number, for example, would be 433,805. In words, it would be written as "four hundred thirty-three thousand, eight hundred five." On completion, the instructor went over the exercise with the students, who made necessary corrections. Finally, the rules governing the writing of numbers were reviewed and stressed.

In another exercise, rules for writing a check were taught. The following are examples:

  1. Place a hyphen between the words that represent numbers between 21 and 99 (e.g., twenty-one, forty-five, eighty-nine). There is no hyphen in one hundred. The number "129" is written as "one hundred twenty-nine."
  2. And is not used when writing whole numbers. For example, "345" is written as "three hundred forty-five," and not "three hundred and forty five."

The class sizes were small. In the problem-solving session we attended, there were four participants; while in the math refresher class, there were five. The instructor said she had no way of telling how many participants out of the total enrollment would turn up for a given session. There was no evidence that poor attendance bothered the management. But if poor attendance was not a bother, then how much faith did the management really have in the training in the first place? And if they were indifferent to poor attendance, what message would that carry to workers about the relevance of the training? And what would be the rationale, then, for the state to invest in such a project? Still, an advantage of the small number of participants was that all were able to receive individual attention. Although the workers were actively engaged in the class and shared examples from their work or home settings, their enthusiasm appeared to be low.

A feature of this session was that the trainer placed much emphasis on self-improvement in areas beyond the work context. For example, she encouraged participants to use NovaNet (formerly known as PLATO), the computer-assisted learning system, during their spare time in order to improve their skills and knowledge. NovaNet was available at the bank, and a tutor was available three times a week to assist employees, particularly those seeking to upgrade skills such as math. The courseware available on NovaNet was generic--not specific to the bank. The instructor also encouraged participants to pursue courses at a nearby community college in order to gain credit towards future promotion.


Characteristics of Participants

Employees in the NEET program consisted of clerical staff, mail room staff, and drivers. Those observed were clerical staff. We were informed by the trainer that a high school diploma was a requirement for employment on the clerical staff, so all trainees had been through high school, even if test results indicated that their actual skill levels were at eighth grade or lower.


Program Evaluation

Evaluation of the NEET program was implemented at three levels: (1) learner reaction, (2) learning, and (3) transfer of learning to the job. Trainees were asked to complete reaction questionnaires at the end of the course. Learning was measured using a customized test designed for this specific program by WEC. A posttest was performed using the TABE in order to satisfy state requirements. During the course of the training, the program coordinators talked to the trainees' supervisors to try to determine the extent to which trainees used their newly acquired skills on the job.


Trainer's Background and Disposition

This trainer had a liberal arts degree and brought to the WEC team experience in the banking industry and in computer applications. She strongly believed that work skills could not be separated from life skills. Her teaching indicated that she viewed the learning process as an empowerment process. As Gowen (1992) points out, the philosophy and disposition of trainers have much to do with the nature of the workplace literacy curriculum. The natural tendency in such programs, consistent with the functional context paradigm, is to assume the point of view of the employer. When the stance is from the point of view of the worker, as in the case being described, the emphases change. The curriculum becomes subversive. Workers are sensitized to their standing and to their possibilities. The disposition of this particular WEC trainer can be gleaned from the following anecdote she related:

Earlier during the literacy audit, we noted that there were forms that employees had to fill out regularly, on which there were several abbreviations. When we tried to find out what these abbreviations meant, we found that supervisors did not know! When the course started I got them [trainees] to find out what these abbreviations mean. Now they know. When others [those not in the program] need to know what these things mean, they know who to ask.

The trainer repeatedly emphasized to the trainees that if they had any ambitions of advancing on the job, they would be well advised to learn all and every job detail such as those abbreviations because, according to her, they would need the knowledge if they were to be able to train their own people when they became supervisors themselves (implying that this should be their objective). To this trainer, knowledge is acquired in order to confer power upon the worker. As discussed above, some of these ideas became interwoven into her teaching, within the framework of worker empowerment.


Summary/Reflections

Evident from the above description is that WEC embarked upon a course of action in the NEET project that in its outlines did not appear to differ materially from that offered either by Redwood Technical College (Case 1) or North Oaks Technical College (Case 2). This provider had learned how to collaborate with industry and had mastered the technology of the literacy audit (e.g., on-site visitations, job-shadowing, task analysis, testing, and functional context curriculum). To be resolved, then, is whether such a provider poses a serious challenge to claims of uniqueness or of comparative advantage that can be advanced by vocational institutions. At a minimum, the answer here will have to take into account the important factor of cost effectiveness. Furthermore, much will depend on resolution of the issue as to whether technical training should be factored into the workplace literacy equation.


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