Lou has over 17 years in the direct marketing and database marketing industry including service at AT&T, American Express, Time Inc., Zurich Financial, the consulting firm Management Science Associates, and the Rapp Collins direct marketing agency, where he was Senior Vice President. Lou's customer relationship management and database marketing expertise have been applied to the marketing and sales of telecommunications products/services (AT&T, SBC), e-commerce, B2B financial services, publishing, and consumer package goods. Lou provides consultation on direct marketing strategy, testing, measurement, customer service, fulfillment, business process analysis, systems integration, and statistical modeling.

Lou has personally developed and implemented over 100 predictive customer level models of response, attrition/churn, activation/usage, share of wallet, migration, payment delinquency, and profitability. While at AT&T, Lou was one of the few individuals in the U.S. to have successfully designed and implemented a system to allow for high speed customer level predictive modeling and scoring from a 100+ million customer database. Lou recruited and trained the team responsible for applying statistical modeling and ROI techniques to AT&T's large scale direct mail and telemarketing efforts (for both service and equipment). While at AT&T, Lou provided database marketing services and statistical modeling/scoring for Consumer Winback & Retention Marketing, Consumer and Business Calling Card, Consumer Products, telemarketing operations, operator services, and assorted groups involved in Cellular long distance (residential and business).

In recent years, Lou has focused his attention on providing solutions for executive information needs, data mining, improving customer care and statistical campaign design/analysis. "Most firms are either drowning in incomprehensible data or are unable to access more than a few drops of useful information. You've heard the old adage 'you can't manage what you can't measure,' but the reality is that most firms are having trouble managing all of what they do measure, which impacts the risk of their marketing and sales investments."

Lou is active in the Direct Marketing Association, co-authored the DMA's book "Research and the Customer Life Cycle," has published in the fields of Systems, Direct Marketing, Demography, and Social Psychology, and is one of the leading consultants in SAS software applications. Lou received an MSc. from the London School of Economics, a BA from Boston University, and completed post-graduate training in from the University of Michigan. Lou is also an accomplished singer/songwriter and a member of ASCAP. His company, Factor 21 Inc., is headquartered in Chicago, Illinois, and specializes in analytic consulting services and computer telephony applications designed to improve the ROI on customer contact efforts.


Lou Schwarz
CRM, Customer Segmentation, and Data Mining