JB Reed/Bloomberg News
Rather than laying off customer service reps after the market turned up again in 2009, Schwab (SCHW) kept them on staff to call customers who hadn’t recently signed onto their accounts or traded. But dedicated agents aren’t the only Schwab workers prepared to answer clients’ calls. A 2008 program to train corporate staffers to man the phones when call volumes rose was expanded last year to centers in Phoenix and Denver.