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Finance Consultant jobs at CareFirst BlueCross BlueShield

- 223 jobs
  • Financial Analyst - Budget and Expense Management (Hybrid)

    Carefirst 4.8company rating

    Finance consultant job at CareFirst BlueCross BlueShield

    **Resp & Qualifications** **PURPOSE:** Responsible for collecting, analyzing, and interpreting financial data as well as preparing reports, models, presentations and recommendations for leaders of a business or clients. Interfaces regularly with project managers and task leads. Supports moderately complex projects. **ESSENTIAL FUNCTIONS:** + Prepares various accounting and financial reports, analyzes and verifies data and financial reports to produce the financial results for assigned business units and challenge accounting processes. + Investigates and researches problem account reconciliation on an as-assigned basis in order to improve controls over general ledger, subsidiary ledgers, and balance sheet activity. Analyzes trends, calculates and verifies data. Interfaces with other areas to develop reporting specifications, methods and procedures, and prioritizes requests. + Performs moderately to complex analysis, gathers, compiles and interprets financial data to ensure compliance with applicable regulations or guidelines, identify trends and provide insight for decision making. Analyzes and prepare journal entries, monthly account reconciliation, responding to internal and external auditors, management, and finance department inquiries. + Responds to supervisor, manager, director, and executive inquiries, handles special requests, researches moderately complex accounting issues. Prepares financial data for presentation to upper management. **SUPERVISORY RESPONSIBILITY:** Position does not have direct reports but is expected to assist in guiding and mentoring less experienced staff. May lead a team of matrixed resources. **QUALIFICATIONS:** **Education Level:** Bachelor's Degree in Accounting, Finance, related field or equivalent technical training OR in lieu of a Bachelor's degree, an additional 4 years of relevant work experience is required in addition to the required work experience. **Licenses/Certifications Preferred:** + Certified Public Accountant (CPA) Eligible. **Experience:** 3 years Accounting/financial experience. Good understanding of GAPP, STAT, and federal regulations. **Preferred Qualifications:** + Healthcare insurance industry experience strongly preferred. **Knowledge, Skills and Abilities (KSAs)** + Basic knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data. + Proficient with financial analysis software (i.e., Delphi Technology, Oracle E-Business Suite Financials, Longview). + Proficient with database entry and query software. + Excellent communication skills both written and verbal. + Must be able to meet established deadlines and handle multiple customer service demands from internal and external customers, within set expectations for service excellence. Must be able to effectively communicate and provide positive customer service to every internal and external customer, including customers who may be demanding or otherwise challenging. **Salary Range:** $59,616 - $118,404 **Salary Range Disclaimer** The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the work is being performed. This compensation range is specific and considers factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, internal peer equity, and market and business consideration. It is not typical for an individual to be hired at the top of the range, as compensation decisions depend on each case's facts and circumstances, including but not limited to experience, internal equity, and location. In addition to your compensation, CareFirst offers a comprehensive benefits package, various incentive programs/plans, and 401k contribution programs/plans (all benefits/incentives are subject to eligibility requirements). **Department** Operational and Management **Equal Employment Opportunity** CareFirst BlueCross BlueShield is an Equal Opportunity (EEO) employer. It is the policy of the Company to provide equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information. **Where To Apply** Please visit our website to apply: ************************* **Federal Disc/Physical Demand** Note: The incumbent is required to immediately disclose any debarment, exclusion, or other event that makes him/her ineligible to perform work directly or indirectly on Federal health care programs. **PHYSICAL DEMANDS:** The associate is primarily seated while performing the duties of the position. Occasional walking or standing is required. The hands are regularly used to write, type, key and handle or feel small controls and objects. The associate must frequently talk and hear. Weights up to 25 pounds are occasionally lifted. **Sponsorship in US** Must be eligible to work in the U.S. without Sponsorship \#LI-CB1 REQNUMBER: 21534
    $59.6k-118.4k yearly 24d ago
  • Senior Financial Analyst - Cost Accounting - (Hybrid)

    Carefirst 4.8company rating

    Finance consultant job at CareFirst BlueCross BlueShield

    **Resp & Qualifications** **PURPOSE:** This position serves as a key liaison between the Cost Accounting/Finance function and the other divisions throughout the organization. This role is responsible for analyzing data, performs various Cost Accounting functions requiring knowledge of the theory and practice of recording, classifying, examining, and analyzing corporate data and financial transactions of the organization. This position also provides financial support to the business, through analysis of cost accounting documents and results; and interacts regularly with business owners, data suppliers, and other finance division teams. This role is responsible for optimizing accounting systems and processes, enhancing reporting capabilities and ensuring accurate and efficient financial operations. Additionally, this role helps prepare and produce statutory and financial reports for regulatory bodies and internal stakeholders, along with analyzing financial trends, validating data accuracy, and ensuring compliance with internal and external audit requirements. This role collaborates with other Finance departments to define reporting specifications, methods, and timelines, prioritizing requests to meet regulatory deadlines in compliance with Generally Accepted Accounting Principles (GAAP), Federal Acquisition Regulations (FAR), and Cost Accounting Standards (CAS). **ESSENTIAL FUNCTIONS:** + Prepares various financial reports for inclusion in consolidated financial reports and the corporate financial planning calculations. + Analyze financial trends, verify data accuracy, and collaborate with other stakeholders to define reporting specifications, methods, and procedures. + Provides required documentation for internal and external audit requests. + Identify trends, risks, and opportunities through data analysis and recommended actionable solutions. + Ensure compliance with GAAP, Statutory regulations, CAS, FAR, internal policies, and audit requirements. + Responds to manager, director, and executive inquiries, handles special requests, and research complex accounting topics and projects. Communicate with corporate management on accounting/financial processes and regulatory requirements. Prepare financial data for presentation to upper management. Coordinates, reviews, and analyzes quarterly and annual financial report submissions to ensure corporate compliance with applicable regulations, laws, or guidelines. Gathers, compiles, and interprets information collected through financial analyses to identify trends and provide insight for decision making. + Develops, coordinates, and verifies data for statutory filings. Creates specifications for generating regulatory statistics and develops procedures for accurate calculation and presentation of results. **SUPERVISORY RESPONSIBILITY:** Position does not have direct reports but is expected to assist in guiding and mentoring less experienced staff. May lead a team of matrixed resources. **QUALIFICATIONS:** **Education Level:** Bachelor's Degree in Accounting, Finance, related field or technical training OR in lieu of a Bachelor's degree, an additional 4 years of relevant work experience is required in addition to the required work experience. **Licenses/Certifications Upon Hire Preferred:** + Certified Public Accountant (CPA) **Experience:** 5 years experience in a finance, accounting or an analytical role within finance sector or quantitative analysis. **Preferred Qualifications:** + CPA or MBA strongly preferred. Healthcare insurance industry experience strongly preferred. **Knowledge, Skills and Abilities (KSAs)** + Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data. + Proficient with financial analysis software (i.e., Delphi Technology, Oracle E-Business Suite Financials, Longview). + Proficient with database entry and query software. + Excellent communication skills both written and verbal. + Must be able to meet established deadlines and handle multiple customer service demands from internal and external customers, within set expectations for service excellence. Must be able to effectively communicate and provide positive customer service to every internal and external customer, including customers who may be demanding or otherwise challenging. **Salary Range:** $66,888 - $132,847 **Salary Range Disclaimer** The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the work is being performed. This compensation range is specific and considers factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, internal peer equity, and market and business consideration. It is not typical for an individual to be hired at the top of the range, as compensation decisions depend on each case's facts and circumstances, including but not limited to experience, internal equity, and location. In addition to your compensation, CareFirst offers a comprehensive benefits package, various incentive programs/plans, and 401k contribution programs/plans (all benefits/incentives are subject to eligibility requirements). **Department** Operational and Management **Equal Employment Opportunity** CareFirst BlueCross BlueShield is an Equal Opportunity (EEO) employer. It is the policy of the Company to provide equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information. **Where To Apply** Please visit our website to apply: ************************* **Federal Disc/Physical Demand** Note: The incumbent is required to immediately disclose any debarment, exclusion, or other event that makes him/her ineligible to perform work directly or indirectly on Federal health care programs. **PHYSICAL DEMANDS:** The associate is primarily seated while performing the duties of the position. Occasional walking or standing is required. The hands are regularly used to write, type, key and handle or feel small controls and objects. The associate must frequently talk and hear. Weights up to 25 pounds are occasionally lifted. **Sponsorship in US** Must be eligible to work in the U.S. without Sponsorship \#LI-CB1 REQNUMBER: 21549
    $66.9k-132.8k yearly 3d ago
  • Entry Level Financial Professional (Flexible and Remote)

    Transamerica 4.1company rating

    Portland, OR jobs

    Join Transamerica (TFA), a respected Leader in Financial Services, and Transform Your Career Remotely This opportunity is custom-tailored for professionals seeking remote careers. Whether you're a stay-at-home professional or looking to enhance your resume with an additional income stream, this role offers an inclusive space. Furthermore, if you're enthusiastic about leadership and team building, you can commence building your team right from the start in this business. As you grow your team, you'll also have the opportunity to create a passive income stream, all supported by our comprehensive training program. Transamericas Time-Tested Reputation: Our expanding reach spans the entire continental United States, and we actively seek dedicated professionals to become licensed partners, serving the needs of our clients. Diverse Work Opportunities: Full Time Part Time Referral Partner (to accommodate your current commitments) Rest assured; these options are designed to seamlessly integrate with your current job. You can transition from Referral or Part-time roles to full-time, all while earning the same compensation as our full-time professionals. You'll collaborate with esteemed financial companies nationwide, and it's all 100% remote. Experience: While previous financial experience is not necessary, having skills like leadership, public speaking, customer service, sales, banking, accounting/software proficiency, or an entrepreneurial background can expedite your progress within the company. Opportunity Overview: Your key responsibilities include: Creating Financial Need Analysis (FNA) for Clients Empowering families, individuals, and business owners to attain financial advantages, including: Asset/Fund Protection Legacy Building Index Strategies Debt Management Services Offering a variety of Life Insurance options Providing an array of Annuities This role is 1099-based with a performance-based business model. Override income potential Passive income potential Flexible Work Schedule: Part Time: A flexible commitment of 10+ hours per week, accommodating your availability. All tasks are remote, with Zoom as our platform. You will be partnered with a "Field Trainer," an experienced professional who will guide you from the outset of your business until you're ready to independently manage and assist clients and potential partners. This includes prospecting clients and potential partners. Weekly training sessions to hone your business skills. Mandatory Qualifications: If you do not currently hold a Life & Health Insurance License, you should be open to studying for and successfully passing the required state exams. Rest assured, we offer comprehensive support to guide you through this process, ensuring your successful certification. Non-negotiable Requirements: Successful completion of a background check (No Felonies). Possession or the ability to obtain a U.S. Social Security Number. Reside in the United States Must be 18 years or older (Federal Requirement). Industry: Financial Services Join Transamerica (TFA) and embrace this remote opportunity to build your financial services business, foster professional growth, and contribute to securing the financial future of families. Join us today! Working Place: Portland, OR, United States Company : Entry Level Financial Professional (Flexible and Remote)
    $60k-86k yearly est. 60d+ ago
  • Remote Consultant - Financial Protection - 100% Commission (TSG-20251125-035)

    Strickland Group LLC 3.7company rating

    Asheville, NC jobs

    Job DescriptionAbout The Strickland Group The Strickland Group is a family-driven, vision-first agency backed by a major national carrier. We combine modern tech, AI-assisted systems, and real human connection to change how families protect their future. Our mission is simple: serve people and leave them better than we found them. Why this role is different This isn't a corporate seat - it's a pathway to ownership. You're not just clocking in; you're building an asset. We provide the platforms, mentorship, leads, and proven systems so you can focus on serving families, growing your income, and developing into a leader. What you'll do - Meet virtually or in person with families who have requested information about life insurance, mortgage protection, and retirement strategies. - Listen, ask great questions, and help clients find solutions that fit their goals and budget. - Submit applications through our carrier partners and follow up with clients to ensure a smooth onboarding process. - Plug into our training, coaching, and leadership development so you can grow from producer to builder and, ultimately, business owner if you choose. What we provide - Commission-only structure with uncapped earning potential. - Remote-first model with flexible scheduling. - Step-by-step training and mentorship from field-tested leaders. - Multiple carriers and products so you can do what's truly best for the client. - A culture built on growth, ownership, and breaking generational poverty. Who this is for - You're hungry, coachable, and willing to follow a proven system. - You want to build something that feels like yours - not just punch a clock. - You're comfortable being paid directly in proportion to the value you create. - You care about people and want your work to matter. If you're serious about building a better financial future for yourself and the families you serve, we'd love to talk.
    $59k-93k yearly est. 17d ago
  • Financial Service Senior Consultant - Financial Crimes

    Sia Partners 4.0company rating

    Charlotte, NC jobs

    Sia is a next-generation, global management consulting group. Founded in 1999, we were born digital. Today our strategy and management capabilities are augmented by data science, enhanced by creativity and driven by responsibility. We're optimists for change and we help clients initiate, navigate and benefit from transformation. We believe optimism is a force multiplier, helping clients to mitigate downside and maximize opportunity. With expertise across a broad range of sectors and services, our 3,000 consultants serve clients worldwide from 48 locations in 19 countries. Our expertise delivers results. Our optimism transforms outcomes. Strategy & Management Consulting Sia's Strategy & Management Consulting global footprint and expertise in more than 40 sectors and services allow us to enhance our clients' businesses worldwide. We guide their projects and initiatives in strategy, business transformation, IT & digital strategy. Financial Institutions have drastically changed over the last decade, driven by increased regulatory constraints, diverse competition inside and beyond traditional banking organizations, and emerging technologies reshaping long-standing ecosystems. Sia's Financial Services Business Unit provides a comprehensive suite of core capabilities designed to address the diverse and evolving needs of our clients, enabling them to navigate complex challenges, seize new opportunities, and achieve their strategic objectives in an increasingly competitive and dynamic business environment. Job description Responsibilities * Develop and implement AML and sanctions compliance programs tailored to clients' specific needs and regulatory requirements * Conduct comprehensive risk assessments to identify potential money laundering and sanctions risks within clients' operations and provide recommendations for mitigation * Review and enhance existing AML and sanctions policies, procedures, and controls to ensure compliance with applicable laws, regulations, and industry best practices * Advise clients on the design and implementation of transaction monitoring and screening systems to detect and report suspicious activities and sanctioned entities * Provide training and guidance to clients' employees on AML and sanctions-related topics, including identification of red flags, reporting obligations, and internal reporting mechanisms * Conduct investigations and due diligence on high-risk clients or transactions to evaluate potential AML and sanctions violations * Stay up to date with the latest AML and sanctions regulations, industry trends, and emerging risks, and proactively advise clients on necessary adjustments to their compliance programs * Collaborate with cross-functional teams, including legal, risk management, and technology, to ensure effective integration of AML and sanctions controls across the organization * Prepare and present reports and recommendations to clients' senior management and regulatory authorities, as needed Qualifications * Bachelor's degree in a relevant field such as finance, business, or law * 4+ years of experience in AML and sanctions compliance within the financial services industry or consulting firm * Knowledge of AML and sanctions regulations, including but not limited to the Bank Secrecy Act (BSA), USA PATRIOT Act, Office of Foreign Assets Control (OFAC) sanctions, and Financial Action Task Force (FATF) recommendations * Strong understanding of AML and sanctions typologies, risk assessment methodologies, and transaction monitoring systems * Previous support of designing and implementing AML and sanctions compliance programs for financial institutions or multinational corporations * Excellent analytical skills with the ability to assess complex situations, identify risks, and develop practical solutions * Strong project management skills, including the ability to manage multiple priorities, meet deadlines, and deliver high-quality work products * Exceptional written and verbal communication skills, with the ability to effectively present complex information to diverse audiences * Professional certifications such as Certified Anti-Money Laundering Specialist (CAMS) or Certified Financial Crime Specialist (CFCS) are highly desirable * Experience with data analytics tools and technologies for AML and sanctions investigations is a plus Additional information Compensation & Benefits We believe in supporting our team professionally and personally. Here's a snapshot of the comprehensive benefits you'll enjoy as part of Sia. Competitive Compensation * Annual base salary starting at $110,000, commensurate with experience and qualifications * Annual performance based discretionary bonus Robust Health Coverage * 3 Medical plans * Dental and Vision * Life, AD&D and other voluntary insurance Tax-Advantaged Accounts * 401K retirement plan * 4% matching and 100% vested upon enrollment * Health Savings Account (HSA) * Flexible Spending Account (FSA) * Health, Dependent Care, Commuter Family Friendly Benefits * 100% paid parental leave for all new parents with eligible tenure * Building Healthy Families program if enrolled through Medical plan Time Off to Recharge * Generous Paid Time Off (PTO) policy * 9 company holidays plus 1 floating holiday Extras that Make Life Easier * College savings and student loan repayment assistance * Monthly cell phone stipend * Access to wellness programs at no cost if enrolled through Medical plan, including: * Gym membership reimbursement * LiveHealth Online virtual care * Personalized support from a Well-being Coach * Employee Assistance Program at no cost * Free confidential counseling and emotional support services * On-demand access to Emotional Well-being resources (ranging from relaxation techniques to stress management) Diversity, Equity, Inclusion, and Belonging At Sia, we believe in fostering a diverse, equitable and inclusive culture where our employees and partners are valued and thrive in a sense of belonging. We are committed to recruiting and developing a diverse network of employees and investing in their growth by providing unique opportunities for professional and cultural immersion. Our commitment toward inclusion motivates dynamic collaboration with our clients, building trust by creating an inclusive environment of curiosity and learning which affects lasting impact. Please visit our website for more information. Work Authorization & Sponsorship At this time, Sia does not intend to employ any applicant who will require, either now or in the future, employment visa sponsorship or sponsorship for work authorization (i.e., H-1B visa, F-1/OPT or STEM OPT, TN, etc.). Workplace Guidelines Sia is committed to providing a flexible workplace environment that supports client, business, and market needs. Consultants located in our primary market office locations-New York City, Charlotte, Seattle, and San Francisco-are expected to live within a reasonable commuting distance and attend the office at least three days per week. For Consultants outside of our primary markets, we can offer more flexible in-person requirements in accordance with your location. To learn more about our mission, values, and business sectors, please visit our website. Sia is an equal opportunity employer. All aspects of employment, including hiring, promotion, remuneration, or discipline, are based solely on performance, competence, conduct, or business needs.
    $110k yearly 60d+ ago
  • Complex Claims Consultant - Financial Lines/Public D&O

    CNA Financial Corp 4.6company rating

    Washington, DC jobs

    You have a clear vision of where your career can go. And we have the leadership to help you get there. At CNA, we strive to create a culture in which people know they matter and are part of something important, ensuring the abilities of all employees are used to their fullest potential. CNA is one of the premier providers of professional liability insurance. CNA offers excellent work/life balance opportunities and a strong benefits package. We are currently seeking a Complex Claims Consultant in our Financial Lines Claims team. The individual in this position will primarily focus on high severity D&O and E&O claims under policies issued to Public Companies as well as Financial Institutions such as large depository institutions, insurance companies and investment advisors. The Individual in this position will investigate and maintain complex professional liability claims and work within specific limits of authority on assignments requiring significant technical complexity and coordination. While utilizing claims policies and guidelines, the Individual in this position will also review coverage, assess liability and damages, secure information, and negotiate and settle claims. The average caseload for this claim professional will be approximately 120-135 files. These claims can be highly complex in nature and valued in the multi-million dollar range. Insurance litigation and coverage interpretation/analysis experience is strongly desired. JOB DESCRIPTION: Essential Duties & Responsibilities Performs a combination of duties in accordance with departmental guidelines: * Manages an inventory of highly complex litigated claims, with large exposures that require a high degree of specialized technical expertise and coordination, by following company protocols to verify policy coverage, conduct investigations, develop and employ resolution strategies, and authorize disbursements within authority limits. This includes analysis of complex coverage issues requiring strong coverage acumen with respect to a variety of policy forms, involving multiple coverages and coverage parts. * Ensures exceptional customer service by managing all aspects of the claim, interacting and communicating professionally and effectively, achieving quality and cycle time standards, providing timely updates and responding promptly to inquiries and requests for information. * Verifies coverage and establishes timely and adequate reserves by reviewing and interpreting policy language and partnering with coverage counsel on more complex matters, estimating potential claim valuation, and following company's claim handling protocols. * Leads focused investigation to determine independent assessment of liability and damages by gathering pertinent information, such as contracts or other documents, as necessary to verify the facts of the claim. * Resolves claims by collaborating with internal and external business partners to develop, own and execute a claim resolution strategy, that includes management of timely and adequate reserves, collaborating with coverage experts, negotiating complex settlements, partnering with counsel to manage complex litigation and authorizing payments within scope of authority. Directly negotiates and resolves cases where appropriate and participates in mediations and settlement conferences to resolve files. Attends trial as necessary. * Establishes and manages claim budgets by achieving timely claim resolution, selecting and actively overseeing appropriate resources, authorizing expense payments and delivering high quality service in an efficient manner. * Realizes and addresses subrogation/salvage opportunities or potential fraud occurrences by evaluating the facts of the claim and making referrals to appropriate Claim, Recovery or SIU resources for further investigation. * Achieves quality standards by appropriately managing each claim to ensure that all company protocols are followed, work is accurate and timely, all files are properly documented and claims are resolved and paid timely. * Keeps senior leadership informed of significant risks and losses by completing loss summaries, identifying claims to include on oversight list, and preparing and presenting succinct summaries to senior management. * Maintains subject matter expertise and ensures compliance with state/local regulatory requirements by following company guidelines, and staying current on commercial insurance laws, regulations or trends for line of business. * Mentors, guides, develops and delivers training to less experienced Claim Professionals. May perform additional duties as assigned. Reporting Relationship Typically Director or above Skills, Knowledge & Abilities * Advanced technical and product specific expertise, claims resolution skill and knowledge of insurance and claims principles, practices and procedures. This position requires demonstrated ability to handle litigated matters, including selection and direction of counsel, and formulation and execution of resolution strategies and strategic coordination with counsel, insureds, brokers and other insurers under reimbursement policies. * Thorough knowledge of the commercial insurance industry, products, policy language, coverage, and claim practices. * Strong communication, negotiation and presentation skills both verbal and written, including the ability to communicate business and technical information clearly. * Demonstrated analytical and investigative mindset with critical thinking skills and ability to make sound business decisions, and to effectively evaluate and resolve ambiguous, complex and challenging business problems. * Strong work ethic, with demonstrated time management and organizational skills. * Ability to work in a fast-paced environment at high levels of productivity. * Demonstrated ability to negotiate complex settlements. * Experience interpreting complex commercial insurance policies and coverage. * Ability to manage multiple and shifting priorities in a fast-paced and challenging environment. * Knowledge of Microsoft Office Suite and ability to learn business-related software. * Demonstrated ability to value diverse opinions and ideas. Education & Experience * Bachelor's Degree or equivalent experience. Juris Doctorate is preferred. * Typically a minimum six years of relevant experience, preferably in Professional Liability claim handling or a minimum of six years in a law firm handling Professional Liability matters * Must have or be able to obtain and maintain an Insurance Adjuster License within 90 days of hire, where applicable * Prior negotiation experience * Professional designations preferred (e.g. CPCU) #LI-CP1 #LI-Hybrid In certain jurisdictions, CNA is legally required to include a reasonable estimate of the compensation for this role. In District of Columbia, California, Colorado, Connecticut, Illinois, Maryland, Massachusetts, New York and Washington, the national base pay range for this job level is $72,000 to $141,000 annually. Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location. CNA offers a comprehensive and competitive benefits package to help our employees - and their family members - achieve their physical, financial, emotional and social wellbeing goals. For a detailed look at CNA's benefits, please visit cnabenefits.com. CNA is committed to providing reasonable accommodations to qualified individuals with disabilities in the recruitment process. To request an accommodation, please contact ***************************.
    $72k-141k yearly Auto-Apply 33d ago
  • Financial Service Consultant - Financial Crimes

    Sia 4.0company rating

    Charlotte, NC jobs

    Sia is a next-generation, global management consulting group. Founded in 1999, we were born digital. Today our strategy and management capabilities are augmented by data science, enhanced by creativity and driven by responsibility. We're optimists for change and we help clients initiate, navigate and benefit from transformation. We believe optimism is a force multiplier, helping clients to mitigate downside and maximize opportunity. With expertise across a broad range of sectors and services, our 3,000 consultants serve clients worldwide from 48 locations in 19 countries. Our expertise delivers results. Our optimism transforms outcomes. Strategy & Management Consulting Sia's Strategy & Management Consulting global footprint and expertise in more than 40 sectors and services allow us to enhance our clients' businesses worldwide. We guide their projects and initiatives in strategy, business transformation, IT & digital strategy. Financial Institutions have drastically changed over the last decade, driven by increased regulatory constraints, diverse competition inside and beyond traditional banking organizations, and emerging technologies reshaping long-standing ecosystems. Sia's Financial Services Business Unit provides a comprehensive suite of core capabilities designed to address the diverse and evolving needs of our clients, enabling them to navigate complex challenges, seize new opportunities, and achieve their strategic objectives in an increasingly competitive and dynamic business environment. Job Description Responsibilities Develop and implement AML and sanctions compliance programs tailored to clients' specific needs and regulatory requirements Conduct comprehensive risk assessments to identify potential money laundering and sanctions risks within clients' operations and provide recommendations for mitigation Review and enhance existing AML and sanctions policies, procedures, and controls to ensure compliance with applicable laws, regulations, and industry best practices Advise clients on the design and implementation of transaction monitoring and screening systems to detect and report suspicious activities and sanctioned entities Provide training and guidance to clients' employees on AML and sanctions-related topics, including identification of red flags, reporting obligations, and internal reporting mechanisms Conduct investigations and due diligence on high-risk clients or transactions to evaluate potential AML and sanctions violations Stay up to date with the latest AML and sanctions regulations, industry trends, and emerging risks, and proactively advise clients on necessary adjustments to their compliance programs Collaborate with cross-functional teams, including legal, risk management, and technology, to ensure effective integration of AML and sanctions controls across the organization Prepare and present reports and recommendations to clients' senior management and regulatory authorities, as needed Qualifications Bachelor's degree in a relevant field such as finance, business, or law 1+ years of experience in AML and sanctions compliance within the financial services industry or consulting firm Knowledge of AML and sanctions regulations, including but not limited to the Bank Secrecy Act (BSA), USA PATRIOT Act, Office of Foreign Assets Control (OFAC) sanctions, and Financial Action Task Force (FATF) recommendations Strong understanding of AML and sanctions typologies, risk assessment methodologies, and transaction monitoring systems Previous support of designing and implementing AML and sanctions compliance programs for financial institutions or multinational corporations Excellent analytical skills with the ability to assess complex situations, identify risks, and develop practical solutions Strong project management skills, including the ability to manage multiple priorities, meet deadlines, and deliver high-quality work products Exceptional written and verbal communication skills, with the ability to effectively present complex information to diverse audiences Professional certifications such as Certified Anti-Money Laundering Specialist (CAMS) or Certified Financial Crime Specialist (CFCS) are highly desirable Experience with data analytics tools and technologies for AML and sanctions investigations is a plus Additional Information Compensation & Benefits We believe in supporting our team professionally and personally. Here's a snapshot of the comprehensive benefits you'll enjoy as part of Sia. Competitive Compensation Annual base salary starting at 79K, commensurate with experience and qualifications Annual performance based discretionary bonus Robust Health Coverage 3 Medical plans Dental and Vision Life, AD&D and other voluntary insurance Tax-Advantaged Accounts 401K retirement plan 4% matching and 100% vested upon enrollment Health Savings Account (HSA) Flexible Spending Account (FSA) Health, Dependent Care, Commuter Family Friendly Benefits 100% paid parental leave for all new parents with eligible tenure Building Healthy Families program if enrolled through Medical plan Time Off to Recharge Generous Paid Time Off (PTO) policy 9 company holidays plus 1 floating holiday Extras that Make Life Easier College savings and student loan repayment assistance Monthly cell phone stipend Access to wellness programs at no cost if enrolled through Medical plan, including: Gym membership reimbursement LiveHealth Online virtual care Personalized support from a Well-being Coach Employee Assistance Program at no cost Free confidential counseling and emotional support services On-demand access to Emotional Well-being resources (ranging from relaxation techniques to stress management) Diversity, Equity, Inclusion & Belonging At Sia, we believe in fostering a diverse , equitable and inclusive culture where our employees and partners are valued and thrive in a sense of belonging . We are committed to recruiting and developing a diverse network of employees and investing in their growth by providing unique opportunities for professional and cultural immersion. Our commitment toward inclusion motivates dynamic collaboration with our clients, building trust by creating an inclusive environment of curiosity and learning which affects lasting impact. Please visit our website for more information. Sia is an equal opportunity employer . All aspects of employment, including hiring, promotion, remuneration, or discipline, are based solely on performance, competence, conduct, or business needs. Office Workplace Guidelines Sia is committed to providing a flexible workplace environment that supports client, business, and market needs. Consultants located in our primary market office locations-New York City, Charlotte, Seattle, and San Francisco-are expected to live within a reasonable commuting distance and attend the office at least three days per week. For Consultants outside of our primary markets, we can offer more flexible in-person requirements in accordance with your location. Work Authorization & Sponsorship At this time, Sia does not intend to employ any applicant who will require, either now or in the future, employment visa sponsorship or sponsorship for work authorization (i.e., H-1B visa, F-1/OPT or STEM OPT, TN, etc.). Sia is an equal opportunity employer. All aspects of employment, including hiring, promotion, remuneration, or discipline, are based solely on performance, competence, conduct, or business needs.
    $58k-84k yearly est. 1h ago
  • Virtual Financial Consultant

    Teachers Insurance & Annuity Association of America 4.6company rating

    Charlotte, NC jobs

    The Virtual Financial Consultant provides virtual counseling for all participants, new entrants, prospects, beneficiaries and their legal and financial representatives on the complete spectrum of TIAA products and services. This job covers institutions aligned to regional structures and offers financial planning advice via in person, phone and video chat to help clients accomplish their immediate and long-term financial goals. During your initial period of employment, you will receive training on TIAA's products and the role will be non-exempt - meaning you will be paid on an hourly basis and eligible for overtime pay. After the training period has concluded, the role will be exempt and you will be paid on a salaried basis at the same rate (i.e., your weekly salary will be equal to your hourly rate multiplied by 40) and you will no longer be eligible for overtime pay. All licenses must be obtained within 120 days from start date. Key Responsibilities and Duties Counsels participants on their pension plans, tax deferred annuities and other available investment options in order to help clients retain and increase assets. Educates, recommends and facilitates new product purchases (including retail mutual funds, annuities, IRAs, 529 and 403b, bank products, life insurance and others) and provides authoritative information upon which important personal financial planning decisions are based. Interacts with retirement plan participants to provide exceptional customer service and execute transaction and service requests. Utilizes knowledge of tax and investment strategies to inform financial advice based on clients' financial needs and objectives. Communicates internally with cross-business partnerships to develop and implement TIAA products and services to support clients and company initiatives. Develops and maintains strong relationship with Institutional Plan Sponsors. Educational Requirements University (Degree) Preferred Work Experience 3+ Years Required; 5+ Years Preferred FINRA Registrations SRC Indicator: Series 7; Series 63 Licenses and Certifications Life and Health Insurance License (Resident State) - Multiple Issuers required within 120 Days Physical Requirements Physical Requirements: Sedentary Work Career Level 7IC Related SkillsAccountability, Business Acumen, Business Development, Client Relationship Management, Commercial Mindset, Communication, Financial Markets Impact, Inspires Others, Negotiation, Problem Solving, Relationship Management, Retirement Planning Selling Anticipated Posting End Date: 2025-12-26Base Pay Range: $75,400/yr - $92,300/yr Actual base salary may vary based upon, but not limited to, relevant experience, time in role, base salary of internal peers, prior performance, business sector, and geographic location. In addition to base salary, the competitive compensation package may include, depending on the role, participation in an incentive program linked to performance (for example, annual discretionary incentive programs, non-annual sales incentive plans, or other non-annual incentive plans). _____________________________________________________________________________________________________ Company Overview Every worker deserves a secure retirement. For more than 100 years, TIAA has delivered it for millions of people. Founded to help educators retire with dignity, today weʼre a market-leading retirement company fueled by world-class asset management. But weʼre not just another legacy financial services firm. Weʼre fighting harder than ever before for our clients and the many Americans who need us. Our Culture of Impact At TIAA, we're on a mission to build on our 100+ year legacy of delivering for our clients while evolving to meet tomorrow's challenges. We equip our associates with future-focused skills and AI tools that enable us to advance our mission. Together, we are fighting to ensure a more secure financial future for all and for generations to come. We are guided by our values: Champion Our People, Be Client Obsessed, Lead with Integrity, Own It, and Win As One. They influence every decision we make and how we work together to serve our clients every day. We thrive in a collaborative in-office environment where teams work across organizational boundaries with shared purpose, accelerating innovation and delivering meaningful results. Our workplace brings together TIAA and Nuveen's entrepreneurial spirit, where we work hard and work together to create lasting impact. Here, every associate can grow through meaningful learning experiences and development pathways-because when our people succeed, our impact on clients' lives grows stronger. Benefits and Total Rewards The organization is committed to making financial well-being possible for its clients, and is equally committed to the well-being of our associates. That's why we offer a comprehensive Total Rewards package designed to make a positive difference in the lives of our associates and their loved ones. Our benefits include a superior retirement program and highly competitive health, wellness and work life offerings that can help you achieve and maintain your best possible physical, emotional and financial well-being. To learn more about your benefits, please review our Benefits Summary. Equal Opportunity We are an Equal Opportunity Employer. TIAA does not discriminate against any candidate or employee on the basis of age, race, color, national origin, sex, religion, veteran status, disability, sexual orientation, gender identity, or any other legally protected status. Our full EEO & Non-Discrimination statement is on our careers home page, and you can read more about your rights and view government notices here. Accessibility Support TIAA offers support for those who need assistance with our online application process to provide an equal employment opportunity to all job seekers, including individuals with disabilities. If you are a U.S. applicant and desire a reasonable accommodation to complete a job application please use one of the below options to contact our accessibility support team: Phone: ************** Email: accessibility.support@tiaa.org Drug and Smoking Policy TIAA maintains a drug-free and smoke/free workplace. Privacy Notices For Applicants of TIAA, Nuveen and Affiliates residing in US (other than California), click here. For Applicants of TIAA, Nuveen and Affiliates residing in California, please click here. For Applicants of TIAA Global Capabilities, click here. For Applicants of Nuveen residing in Europe and APAC, please click here.
    $75.4k-92.3k yearly Auto-Apply 12d ago
  • Financial Protection Consultant - 100% Commission

    Strickland Group LLC 3.7company rating

    Virginia Beach, VA jobs

    Job DescriptionAbout The Strickland Group The Strickland Group is a family-driven, vision-first agency backed by a major national carrier. We combine modern tech, AI-assisted systems, and human connection to change how families protect their future. Our mission is simple: serve people and leave them better than we found them. Why this role is different This isn't a corporate seat - it's a pathway to ownership. You'll build your own business using our proven platform, with mentorship from leaders who are actively in the field. We work warm, intent-based leads (no cold calling lists) and focus on education, not pressure sales. What you'll be doing - Calling and meeting with families who have requested information about life insurance, mortgage protection, or final expense coverage - Listening to their goals, budgets, and concerns, then building simple, clear options - Submitting applications through our brokerage platform with access to multiple A-rated carriers - Following a structured training system with mentorship, scripts, and step-by-step support - Growing into leadership by helping train and support other agents if you choose the agency-owner path What we provide - Remote-first, flexible schedule (full-time or part-time) - Access to warm leads from families who requested information - Step-by-step training, mentorship, and leadership development - Proven system to grow from personal production to team building - A culture focused on faith, family, growth, and breaking poverty's chains Compensation This is a 1099, commission-only role with uncapped earning potential. New, committed part-time agents can earn a few thousand per month, while full-time and leadership-track agents can scale well beyond six figures as they grow a team. Who this is for - Self-motivated doers who want to build something of their own - People who are coachable, growth-minded, and willing to follow a proven system - Those who want time freedom, impact, and income - not just another job If you're ready to align with a team that will invest in you while you build your own business, we'd love to talk.
    $61k-89k yearly est. 3d ago
  • Financial Analyst, Financial Planning & Analysis

    Servicelink 4.7company rating

    Remote

    Are you an experienced Finance professional looking for a challenging new career opportunity which will allow you to drive impact through collaboration with colleagues within the Financial Planning & Analysis Department? If so, ServiceLink, a leader in the mortgage industry, invites you to apply for the opening of Financial Analyst, a position which carries the responsibility of supporting organizational leaders in understanding and reporting their operational metrics. If you are passionate about business intelligence and thrive on the force it can have within a growing business, you could be a highly valuable asset to ServiceLink, a dynamic company committed to providing on-going training and supporting career advancement. A DAY IN THE LIFE In this role, you will… Be responsible for providing accurate and efficient reporting; analytics of actual and forecasted financials; preparation of annual budgets as well as other ad hoc analytics and reporting. Prepare monthly, quarterly, and yearly budget and forecasts as well as other ad hoc analytics and reporting. Provide analytics necessary to help business leaders manager their business units efficiently. Provide detailed comparisons and variance analytics Vs baseline financials. WHO YOU ARE You possess … BS/BA degree in Finance/Accounting required. 1 to 3 years of experience in Financial Planning and Analysis. Strong organizational and decision-making skills. Exceptional interpersonal/communication and business partnering skills. Responsibilities Support Finance and Senior Operational Leadership enterprise wide, with a specific focus on profitability Develop forecasting models by business unit/client/product to be able to put together highly granular forecasts. Participate in monthly, quarterly, and yearly budget and forecast development. Provide detailed comparisons and variance analytics vs. baseline financials (i.e. budget, forecast, etc.). Prepare and review Executive Level presentations on monthly and quarterly financial performance and initiatives. Develop methodologies, dashboards, and models for Operational metric budgeting and reporting. Produce ad hoc analysis and reports for executive management team. Analyze business opportunities, research industry, market and company trends. Identify, analyze, and lead productivity initiatives including, sourcing, integration, and automation. Participate in the monthly quarterly and quarterly financial close process. Perform all other duties assigned. Qualifications BS/BA degree in Finance/Accounting 1-3 Years of experience in a Financial Planning & Analysis or related role. Experience in Financial Services preferred. MS Office Suite; advanced understanding of Excel and modeling (required). Experience working with large datasets is a plus. Oracle GL or similar accounting GL understanding. Experience with a financial reporting tool. BI experience is a plus (Power BI, SQL, etc.) We can recommend jobs specifically for you! Click here to get started.
    $62k-90k yearly est. Auto-Apply 2d ago
  • Financial Consultant

    Teachers Insurance & Annuity Association of America 4.6company rating

    Baltimore, MD jobs

    The Financial Consultant provides in person and virtual counseling for all participants, new entrants, prospects, beneficiaries and their legal and financial representatives on the complete spectrum of TIAA products and services. This job covers institutions aligned to regional structures and offers financial planning advice via in person, phone and video chat to help clients accomplish their immediate and long-term financial goals. During your initial period of employment, you will receive training on TIAA's products and the role will be non-exempt - meaning you will be paid on an hourly basis and eligible for overtime pay. After the training period has concluded, the role will be exempt and you will be paid on a salaried basis at the same rate (i.e., your weekly salary will be equal to your hourly rate multiplied by 40) and you will no longer be eligible for overtime pay. All licenses must be obtained within 120 days from start date. Key Responsibilities and Duties Counsels participants on their pension plans, tax deferred annuities and other available investment options in order to help clients retain and increase assets. Educates, recommends and facilitates new product purchases (including retail mutual funds, annuities, IRAs, 529 and 403b, bank products, life insurance and others) and provides authoritative information upon which important personal financial planning decisions are based. Interacts with retirement plan participants to provide exceptional customer service and execute transaction and service requests. Utilizes knowledge of tax and investment strategies to inform financial advice based on clients' financial needs and objectives. Communicates internally with cross-business partnerships to develop and implement TIAA products and services to support clients and company initiatives. Develops and maintains strong relationship with Institutional Plan Sponsors. Educational Requirements Educational Requirements University (Degree) Preferred Work Experience 5+ Years Required; 7+ Years Preferred FINRA Registrations SRC Indicator: Series 7; Series 63 Licenses and Certifications Life and Health Insurance License (Resident State) - Multiple Issuers required within 120 Days Physical Requirements Physical Requirements: Sedentary Work Career Level 8IC Related SkillsAccountability, Business Acumen, Business Development, Client Relationship Management, Commercial Mindset, Communication, Financial Markets Impact, Inspires Others, Negotiation, Problem Solving, Relationship Management, Retirement Planning Selling Anticipated Posting End Date: 2026-01-02Base Pay Range: $75,400/yr - $100,000/yr Actual base salary may vary based upon, but not limited to, relevant experience, time in role, base salary of internal peers, prior performance, business sector, and geographic location. In addition to base salary, the competitive compensation package may include, depending on the role, participation in an incentive program linked to performance (for example, annual discretionary incentive programs, non-annual sales incentive plans, or other non-annual incentive plans). _____________________________________________________________________________________________________ Company Overview Every worker deserves a secure retirement. For more than 100 years, TIAA has delivered it for millions of people. Founded to help educators retire with dignity, today weʼre a market-leading retirement company fueled by world-class asset management. But weʼre not just another legacy financial services firm. Weʼre fighting harder than ever before for our clients and the many Americans who need us. Our Culture of Impact At TIAA, we're on a mission to build on our 100+ year legacy of delivering for our clients while evolving to meet tomorrow's challenges. We equip our associates with future-focused skills and AI tools that enable us to advance our mission. Together, we are fighting to ensure a more secure financial future for all and for generations to come. We are guided by our values: Champion Our People, Be Client Obsessed, Lead with Integrity, Own It, and Win As One. They influence every decision we make and how we work together to serve our clients every day. We thrive in a collaborative in-office environment where teams work across organizational boundaries with shared purpose, accelerating innovation and delivering meaningful results. Our workplace brings together TIAA and Nuveen's entrepreneurial spirit, where we work hard and work together to create lasting impact. Here, every associate can grow through meaningful learning experiences and development pathways-because when our people succeed, our impact on clients' lives grows stronger. Benefits and Total Rewards The organization is committed to making financial well-being possible for its clients, and is equally committed to the well-being of our associates. That's why we offer a comprehensive Total Rewards package designed to make a positive difference in the lives of our associates and their loved ones. Our benefits include a superior retirement program and highly competitive health, wellness and work life offerings that can help you achieve and maintain your best possible physical, emotional and financial well-being. To learn more about your benefits, please review our Benefits Summary. Equal Opportunity We are an Equal Opportunity Employer. TIAA does not discriminate against any candidate or employee on the basis of age, race, color, national origin, sex, religion, veteran status, disability, sexual orientation, gender identity, or any other legally protected status. Our full EEO & Non-Discrimination statement is on our careers home page, and you can read more about your rights and view government notices here. Accessibility Support TIAA offers support for those who need assistance with our online application process to provide an equal employment opportunity to all job seekers, including individuals with disabilities. If you are a U.S. applicant and desire a reasonable accommodation to complete a job application please use one of the below options to contact our accessibility support team: Phone: ************** Email: accessibility.support@tiaa.org Drug and Smoking Policy TIAA maintains a drug-free and smoke/free workplace. Privacy Notices For Applicants of TIAA, Nuveen and Affiliates residing in US (other than California), click here. For Applicants of TIAA, Nuveen and Affiliates residing in California, please click here. For Applicants of TIAA Global Capabilities, click here. For Applicants of Nuveen residing in Europe and APAC, please click here.
    $75.4k-100k yearly Auto-Apply 1d ago
  • Financial Protection Advisor - 100% Commission | Charlotte, NC (TSG-20251201-002)

    Strickland Group LLC 3.7company rating

    Charlotte, NC jobs

    Job DescriptionAbout The Strickland Group: The Strickland Group is a family-driven, vision-first financial services agency helping families protect and build wealth through life insurance and retirement solutions. This is a 100% commission, remote role with flexible hours, mentorship, and a clear path to agency ownership. You'll meet with warm leads, uncover needs, present options, and help clients put protection in place. Training is provided; no experience required, but strong work ethic, coachability, and a desire to grow are musts.
    $65k-126k yearly est. 10d ago
  • Oliver Wyman - Analyst - Financial Services Quantitative Analytics (FSQA)

    Marsh McLennan 4.9company rating

    Raleigh, NC jobs

    Company:Oliver WymanDescription: Job title: Analyst - Financial Services Quantitative Analytics (FSQA) Office/region: Raleigh, NC Eligibility: Class of 2026; Permanent US work authorization or students eligible under STEM OPT extension (up to 3 years) About Oliver Wyman Oliver Wyman is a global leader in management consulting. With offices in 60 cities across 30 countries, Oliver Wyman combines deep industry knowledge with specialized expertise in strategy, operations, risk management, and organization transformation. The firm has more than 7,000 professionals around the world who work with clients to optimize their business, improve their operations and risk profile, and accelerate their organizational performance to seize the most attractive opportunities. Oliver Wyman is a wholly owned subsidiary of Marsh & McLennan Companies [NYSE: MMC]. For more information, visit ******************* Team overview: Oliver Wyman's Financial Services Quantitative Analysis (FSQA) team is a dynamic, fast-growing team of quantitative analytics specialists. We bring sophisticated analytics capabilities including machine learning and generative AI to bear on business-critical problems for our clients predominantly in the financial services industry. Clients hire us for our depth of insight and expertise; expertise that comes from a combination of specialized domain knowledge and deep data science and engineering capabilities. The current focus area for our Raleigh team is on solving quantitative problems for the Financial Services industry, but there are also opportunities to serve clients in other industries on topics like Supply Chain Management analytics. We combine analytical rigor with a relentless focus on client impact. We are passionate about developing our people and support your career progression, including a path to Partner. We are looking for candidates who are excited to work in an entrepreneurial environment, focused on delivering impact through analytics. The role: Working with us offers excellent career and growth opportunities for highly motivated college graduates from quantitative disciplines with some exposure to data analytics and model development. This is a client-facing, project-based analytics role, and some travel to client sites is to be expected as part of building client relationships and setting projects on a solid foundation, but most of our work can be conducted from Raleigh. We will make flexible working hours and market leading work life balance a priority considering your individual needs. The ideal candidates will possess strong technical skills, capability to work in teams, deliver pieces of work efficiently and under high quality standards and have an open and flexible mindset. Responsibilities will include: You will work as part of our small, fast-growing team, in coordination with other Oliver Wyman teams and clients across the globe You will work with large and complex data sets producing customized analyses and advanced models using statistical techniques for the client's needs You will be given ownership of the model development from start to finish with guidance from experienced managers You will work on summarizing, presenting and documenting the performed analyses and features of the developed solutions in client-ready formats Required skills and experience: Working towards a Bachelor's or Master's degree in a quantitative discipline, e.g. Mathematics, Statistics, Physics, Economics, Data Science, Computer Science or Engineering Strong analytics and communication skills Strong coding skills in one or several common languages, i.e. Python, SQL, R Experience in advanced analytics and data manipulation Familiarity with generative AI models Experience working effectively and collaboratively in a team, while being sufficiently self-directed to meet deadlines and produce high-quality output when working independently Be able to find innovative, practical and flexible solutions to business issues Excellent command of English language (verbal and written) The ideal candidate will also have some previous specific experience (through internships or course work) in one or more of our current domain focus areas: Financial services: e.g. credit risk measurement, market risk measurement, liquidity management, stress testing, financial modelling, model validation, derivatives pricing Supply Chain analytics: e.g. demand forecasting, network optimization, operations planning This role is located in Raleigh, NC. Our other office locations are not options for this role. * Please note: Earliest start dates for this role will range from mid-summer to late fall of 2026. Start dates are assigned based on business need. Oliver Wyman, a business of Marsh McLennan (NYSE: MMC), is a management consulting firm combining deep industry knowledge with specialized expertise to help clients optimize their business, improve operations and accelerate performance. Marsh McLennan is a global leader in risk, strategy and people, advising clients in 130 countries across four businesses: Marsh, Guy Carpenter, Mercer and Oliver Wyman. With annual revenue of $24 billion and more than 90,000 colleagues, Marsh McLennan helps build the confidence to thrive through the power of perspective. For more information, visit oliverwyman.com, or follow on LinkedIn and X. Marsh McLennan is committed to embracing a diverse, inclusive and flexible work environment. We aim to attract and retain the best people and embrace diversity of age background, disability, ethnic origin, family duties, gender orientation or expression, marital status, nationality, parental status, personal or social status, political affiliation, race, religion and beliefs, sex/gender, sexual orientation or expression, skin color, veteran status (including protected veterans), or any other characteristic protected by applicable law. If you have a need that requires accommodation, please let us know by contacting reasonableaccommodations@mmc.com. Oliver Wyman, a business of Marsh McLennan (NYSE: MMC), is a management consulting firm combining deep industry knowledge with specialized expertise to help clients optimize their business, improve operations and accelerate performance. Marsh McLennan is a global leader in risk, strategy and people, advising clients in 130 countries across four businesses: Marsh, Guy Carpenter, Mercer and Oliver Wyman. With annual revenue of $24 billion and more than 90,000 colleagues, Marsh McLennan helps build the confidence to thrive through the power of perspective. For more information, visit oliverwyman.com, or follow on LinkedIn and X.Marsh McLennan is committed to embracing a diverse, inclusive and flexible work environment. We aim to attract and retain the best people and embrace diversity of age background, disability, ethnic origin, family duties, gender orientation or expression, marital status, nationality, parental status, personal or social status, political affiliation, race, religion and beliefs, sex/gender, sexual orientation or expression, skin color, veteran status (including protected veterans), or any other characteristic protected by applicable law. If you have a need that requires accommodation, please let us know by contacting reasonableaccommodations@mmc.com.
    $72k-111k yearly est. Auto-Apply 13d ago
  • Construction Surety Underwriter / Financial Analyst

    Travelers Insurance Company 4.4company rating

    Charlotte, NC jobs

    **Who Are We?** Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 170 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. **Job Category** Underwriting **Compensation Overview** The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards. **Salary Range** $89,800.00 - $148,300.00 **Target Openings** 1 **What Is the Opportunity?** Bond & Specialty Insurance provides management and professional liability insurance, as well as surety bonds to businesses and non-profit organizations of all sizes. As an underwriter, you will have a dynamic role that blends evaluating and analyzing financial and business risk, building relationships, and selling and negotiating with clients, agents, and brokers. This role is part of the Construction Services team which provides surety bonds to public and private owners of construction projects. Underwriters also analyze business operations, financial statements and evaluate market forces to provide consultative services to contractors. The Account Executive (AE) will build and maintain relationships with agents and brokers to provide insurance or surety solutions to customers. An AE will analyze and evaluate risk to achieve business goals within an assigned book of business. As an AE, you are decisive, detail-oriented, and know how to build relationships internally and externally to drive results. Your ability to assess risk and sell our products will contribute to the profitability and success of Travelers. **What Will You Do?** + Manage the profitability, growth, and retention of an assigned book of business. + Underwrite and skillfully negotiate customer accounts to minimize risk and maximize profitability. + Execute business unit underwriting strategies across your book of business to achieve profit and growth objectives. + Cultivate and maintain relationships with internal partners within the business unit and across the enterprise to identify cross-selling opportunities. + Foster and maintain relationships with external partners by regularly meeting in person with agents and brokers to market and sell Travelers products with a goal of writing and retaining accounts consistent with our risk appetite. Must be able to travel to such meetings. + Identify and capture new business opportunities using consultative marketing and sales skills. + Develop and execute individual agency sales plans that align with the team's sales plans to drive success. + Perform other duties as assigned. **What Will Our Ideal Candidate Have?** + Bachelor's degree. + Three to five years of applicable underwriting experience. + Working knowledge of products, the regulatory environment, and local market conditions. + Strong critical thinking skills with the ability to underwrite, market products, identify financial challenges, and analyze available information to make decisions in alignment with our risk appetite. + Communication skills with the ability to successfully negotiate with agents and brokers. **What is a Must Have?** + Two years of underwriting, product knowledge, financial analysis, or risk assessment experience. **What Is in It for You?** + **Health Insurance** : Employees and their eligible family members - including spouses, domestic partners, and children - are eligible for coverage from the first day of employment. + **Retirement:** Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account. You are also eligible for a Pension Plan that is 100% funded by Travelers. + **Paid Time Off:** Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays. + **Wellness Program:** The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs. + **Volunteer Encouragement:** We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice. **Employment Practices** Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email (*******************) so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. To learn more about our comprehensive benefit programs please visit ******************************************************** .
    $89.8k-148.3k yearly 60d+ ago
  • Construction Surety Underwriter / Financial Analyst

    The Travelers Companies 4.4company rating

    Charlotte, NC jobs

    Who Are We? Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 170 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Job Category Underwriting Compensation Overview The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards. Salary Range $89,800.00 - $148,300.00 Target Openings 1 What Is the Opportunity? Bond & Specialty Insurance provides management and professional liability insurance, as well as surety bonds to businesses and non-profit organizations of all sizes. As an underwriter, you will have a dynamic role that blends evaluating and analyzing financial and business risk, building relationships, and selling and negotiating with clients, agents, and brokers. This role is part of the Construction Services team which provides surety bonds to public and private owners of construction projects. Underwriters also analyze business operations, financial statements and evaluate market forces to provide consultative services to contractors. The Account Executive (AE) will build and maintain relationships with agents and brokers to provide insurance or surety solutions to customers. An AE will analyze and evaluate risk to achieve business goals within an assigned book of business. As an AE, you are decisive, detail-oriented, and know how to build relationships internally and externally to drive results. Your ability to assess risk and sell our products will contribute to the profitability and success of Travelers. What Will You Do? * Manage the profitability, growth, and retention of an assigned book of business. * Underwrite and skillfully negotiate customer accounts to minimize risk and maximize profitability. * Execute business unit underwriting strategies across your book of business to achieve profit and growth objectives. * Cultivate and maintain relationships with internal partners within the business unit and across the enterprise to identify cross-selling opportunities. * Foster and maintain relationships with external partners by regularly meeting in person with agents and brokers to market and sell Travelers products with a goal of writing and retaining accounts consistent with our risk appetite. Must be able to travel to such meetings. * Identify and capture new business opportunities using consultative marketing and sales skills. * Develop and execute individual agency sales plans that align with the team's sales plans to drive success. * Perform other duties as assigned. What Will Our Ideal Candidate Have? * Bachelor's degree. * Three to five years of applicable underwriting experience. * Working knowledge of products, the regulatory environment, and local market conditions. * Strong critical thinking skills with the ability to underwrite, market products, identify financial challenges, and analyze available information to make decisions in alignment with our risk appetite. * Communication skills with the ability to successfully negotiate with agents and brokers. What is a Must Have? * Two years of underwriting, product knowledge, financial analysis, or risk assessment experience. What Is in It for You? * Health Insurance: Employees and their eligible family members - including spouses, domestic partners, and children - are eligible for coverage from the first day of employment. * Retirement: Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account. You are also eligible for a Pension Plan that is 100% funded by Travelers. * Paid Time Off: Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays. * Wellness Program: The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs. * Volunteer Encouragement: We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. To learn more about our comprehensive benefit programs please visit *********************************************************
    $89.8k-148.3k yearly 36d ago
  • Member Outreach and Engagement Consultant, DentaQuest (Michigan)

    Sun Life of Canada 4.3company rating

    Remote

    Sun Life U.S. is one of the largest providers of employee and government benefits, helping approximately 50 million Americans access the care and coverage they need. Through employers, industry partners and government programs, Sun Life U.S. offers a portfolio of benefits and services, including dental, vision, disability, absence management, life, supplemental health, medical stop-loss insurance, and healthcare navigation. We have more than 6,400 employees and associates in our partner dental practices and operate nationwide. Visit our website to discover how Sun Life is making life brighter for our customers, partners and communities. DentaQuest manages dental and vision benefits for more than 33 million Americans. Our outcomes-based, cost-effective solutions are designed for Medicaid and CHIP, Medicare Advantage, small and large businesses, and individuals. With a focus on prevention and value, we aim to make quality care accessible to improve the oral health of all. Job Description: Location: Must reside in Michigan, specifically around Lansing and Detroit The opportunity: Member Outreach and Engagement Consultant develop member outreach initiatives that maximize goals related to improvements in oral health outcomes and oral health literacy and network with community organizations, providers and health plans to increase oral health awareness. How you will contribute: Collaborate with internal teams including marketing, data science and national outreach and connect with external community groups and state agencies to develop and execute customized outreach strategies for improving oral health outcomes of enrollees Implement enrollee outreach and education programs with the goal of improving oral health literacy as well as ensuring compliance l with contractual requirements. Develop and implement strategy to increase enrollee utilization to and achieve dental EPSDT goals as required by client contract and/or goals. Establish community relationships and partnerships that provide for participation in health care initiatives and programs in the dental and medical public health arena to create dental and program awareness. Develop educational materials and training tools in accordance with federal and state requirements for non-dental healthcare providers, managed care organizations and community organizations to engage them in the effort to educate Medicaid enrollees on the importance of oral health. Manage workflow, time and program interventions within budget parameters and contractual timelines. Provide enrollee care coordination including collaboration with Case Managers, Client Engagement and/or Provider Engagement to facilitate enrollee access to care Track and monitor performance measures and report results to management and state agency if applicable. Organize, plan and source community opportunities to participate in events (health fairs, faith-based organizations, schools etc.) to provide enrollees with education on oral health and when feasible secure provider to conduct onsite dental screenings. Provide enrollees with guidance and referrals during events based on information gathered during interactions with enrollees and results of dental screening. Attend and plan events throughout the state based on results of EPSDT metrics, county demographics and utilization patterns. Ensure events are distributed equally throughout the state, rural and urban areas and comply with quota and requirements of the contract. Represent the company in a professional manner at all times. Communicate to management ways to improve processes and productivity of company. Establish and maintain professional relationships with client and community contacts. Complete special projects as requested. What you will bring with you: High school diploma College degree or experience in a related field is preferred. Background in education or resource advocacy 2 years job related experience. Familiarity with computer software such as Microsoft Office (Word, Excel, Outlook) Typing skills of 40+ words per minute. Effective oral communication and business writing skills. Attention to detail, accuracy and organizational skills. Effective interpersonal skills. Ability to prioritize and adapt to changing priorities. Required to attend additional training as requested/deemed necessary. Ability to lift up to 25 pounds Experience working in a managed care environment is preferred. Knowledge of healthcare advocacy activities is preferred. Knowledge of the Medicaid program requirements is preferred. 30% travel is required Not ready to apply yet but want to stay in touch? Join our talent community to stay connected until the time is right for you! We are committed to fostering an inclusive environment where all employees feel they belong, are supported and empowered to thrive. We are dedicated to building teams with varied experiences, backgrounds, perspectives and ideas that benefit our colleagues, clients, and the communities where we operate. We encourage applications from qualified individuals from all backgrounds. Life is brighter when you work at Sun Life At Sun Life, we prioritize your well-being with comprehensive benefits, including generous vacation and sick time, market-leading paid family, parental and adoption leave, medical coverage, company paid life and AD&D insurance, disability programs and a partially paid sabbatical program. Plan for your future with our 401(k) employer match, stock purchase options and an employer-funded retirement account. Enjoy a flexible, inclusive and collaborative work environment that supports career growth. We're proud to be recognized in our communities as a top employer. Proudly Great Place to Work Certified in Canada and the U.S., we've also been recognized as a "Top 10" employer by the Boston Globe's "Top Places to Work" for two years in a row. Visit our website to learn more about our benefits and recognition within our communities. We will make reasonable accommodations to the known physical or mental limitations of otherwise-qualified individuals with disabilities or special disabled veterans, unless the accommodation would impose an undue hardship on the operation of our business. Please email ************************* to request an accommodation. For applicants residing in California, please read our employee California Privacy Policy and Notice. We do not require or administer lie detector tests as a condition of employment or continued employment. Sun Life will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws, including applicable fair chance ordinances. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected vetera n. Job Category: Customer Service / Operations Posting End Date: 15/01/2026
    $59k-93k yearly est. Auto-Apply 8d ago
  • Household Protection Consultant - 100% Commission

    Strickland Group LLC 3.7company rating

    Stafford Courthouse, VA jobs

    Job DescriptionAbout The Strickland Group The Strickland Group is a family-driven, vision-first agency backed by a major national carrier. We combine modern tech, AI-assisted systems, and human connection to change how families protect their future. Our mission is simple: serve people and leave them better than we found them. Why this role is different This isn't a corporate seat - it's a pathway to ownership. You'll build your own business using our proven platform, with mentorship from leaders who are actively in the field. We work warm, intent-based leads (no cold calling lists) and focus on education, not pressure sales. What you'll be doing - Calling and meeting with families who have requested information about life insurance, mortgage protection, or final expense coverage - Listening to their goals, budgets, and concerns, then building simple, clear options - Submitting applications through our brokerage platform with access to multiple A-rated carriers - Following a structured training system with mentorship, scripts, and step-by-step support - Growing into leadership by helping train and support other agents if you choose the agency-owner path What we provide - Remote-first, flexible schedule (full-time or part-time) - Access to warm leads from families who requested information - Step-by-step training, mentorship, and leadership development - Proven system to grow from personal production to team building - A culture focused on faith, family, growth, and breaking poverty's chains Compensation This is a 1099, commission-only role with uncapped earning potential. New, committed part-time agents can earn a few thousand per month, while full-time and leadership-track agents can scale well beyond six figures as they grow a team. Who this is for - Self-motivated doers who want to build something of their own - People who are coachable, growth-minded, and willing to follow a proven system - Those who want time freedom, impact, and income - not just another job If you're ready to align with a team that will invest in you while you build your own business, we'd love to talk.
    $78k-110k yearly est. 3d ago
  • Legacy Planning Consultant - 100% Commission | Norfolk, VA (TSG-20251201-032)

    Strickland Group LLC 3.7company rating

    Norfolk, VA jobs

    Job DescriptionAbout The Strickland Group: The Strickland Group is a family-driven, vision-first financial services agency helping families protect and build wealth through life insurance and retirement solutions. This is a 100% commission, remote role with flexible hours, mentorship, and a clear path to agency ownership. You'll meet with warm leads, uncover needs, present options, and help clients put protection in place. Training is provided; no experience required, but strong work ethic, coachability, and a desire to grow are musts.
    $79k-109k yearly est. 10d ago
  • Claims Consultant

    The Strickland Group 3.7company rating

    Arlington, VA jobs

    Take the Lead as a Claims Consultant - Championing Client Support and Resolution Are you an expert in navigating complex insurance claims with professionalism and precision? Join us as a Claims Consultant, where your expertise ensures fair outcomes and exceptional service for our clients. What You'll Do: šŸ“‚ Manage Claims End-to-End - Evaluate, process, and resolve insurance claims efficiently while maintaining regulatory compliance and client satisfaction. šŸ“ž Client Advocacy - Serve as a trusted advisor and liaison between clients and carriers, providing updates, guidance, and solutions throughout the claims process. 🧠 Analyze and Advise - Review policy coverage and offer expert recommendations to optimize outcomes and mitigate risk exposure. šŸ¤ Collaborate with Stakeholders - Work closely with underwriters, adjusters, and legal teams to ensure seamless claims handling. Who You Are: āœ” Experienced in claims handling or insurance consulting āœ” Knowledgeable in various lines of coverage (e.g., health, property, life, commercial) āœ” Empathetic, detail-oriented, and solutions-focused āœ” Skilled in policy interpretation, negotiation, and client communication āœ” Proficient with claims management systems and reporting tools Why This Role? āœ… Make a meaningful impact in resolving client concerns āœ… Develop deep expertise in insurance and risk consulting āœ… Join a team that values accuracy, empathy, and integrity āœ… Access training and advancement opportunities šŸ’¼ Bring Confidence and Clarity to Every Claim As a Claims Consultant, your role is pivotal in ensuring every claim is handled with professionalism and care-helping clients move forward with peace of mind. šŸ‘‰ Apply today and become a trusted expert in claims resolution.
    $79k-110k yearly est. Auto-Apply 30d ago
  • Absence & Disability Consultant

    Sun Life Financial 4.6company rating

    Baltimore, MD jobs

    Sun Life U.S. is one of the largest providers of employee and government benefits, helping approximately 50 million Americans access the care and coverage they need. Through employers, industry partners and government programs, Sun Life U.S. offers a portfolio of benefits and services, including dental, vision, disability, absence management, life, supplemental health, medical stop-loss insurance, and healthcare navigation. We have more than 6,400 employees and associates in our partner dental practices and operate nationwide. Visit our website to discover how Sun Life is making life brighter for our customers, partners and communities. Job Description: The opportunity: The Absence & Disability Consultant works with employers, employees, and health care providers to administer an integrated Family and Medical Leave Act (FMLA) rights and responsibilities and Short-Term Disability claim. Provides advice and counsel regarding leave administration and effectively coordinates all cases/claims in compliance with the FMLA and all related employment laws. Responsible for the professional management of both routine and complex claims for Group Short Term Disability while working both independently and in a team to ensure superior service to policyholders and claimants. Reviews claims and makes final determination for admittance or denial. Approves payment of claims and Company liability within established limits. How you will contribute: * Interprets and administers leave programs and policies in accordance with the applicable federal and state employment laws (FMLA, ADA, USERRA, Pregnancy Discrimination Act, etc.). * Facilitation and engagement in interactive dialogue with employees, medical professionals, supervisors, and HR business partners to assist employees. * Documentation of the request for absence including detailed points of contact and actions taken to coordinate the accommodation request. * Reviews claim payments within established limits and/or reviews recommendations made by medical resources to determine proper disposition of claims. * Sets claim action plan to ensure that determinations are adjudicated in a timely, accurate, and efficient manner. * Interprets contracts and ensures consistent, fair claims practices and adherence to appropriate laws, regulations, and procedures. * Obtains backup documentation, as necessary, to substantiate claims or to provide service by communicating via telephone with agents, employers (policyholders), claimants, hospitals, physicians, attorneys, and other resources. * May handle other related duties such as providing technical assistance to other Claims staff or assisting in special projects or assignments. * Protect and maintain personal health information with a high level of confidentiality abiding by Sun Life procedures and by HIPPA rules and regulations. What you will bring with you: * Ability to work with a diverse range of people. * 1+ years of customer, absence, and claims services experience * Communicating effectively and professionally with a wide variety of both internal and external Sun Life business partners, peers, and resources. * Effective ability to use legal resources and demonstrate a proven ability to comprehend and interpret legal and medical terminology to make final decisions to approve or further investigate claims. * Attention to detail with documentation, reporting and communication. * Demonstration of strong mathematical skills for calculations and adjustment of claim payments. * Facilitation skills in a variety of circumstances and with a wide variety of input. Ability to influence and teach. * Self-directed with an ability to work independently and make independent judgments and decisions. * Strong organizational skills, including the ability to prioritize work and multi-task * Strong research, analytical, critical thinking, problem solving skills and decision-making skills. * Ability and desire to work in a fast-paced, service-oriented environment. * Excellent verbal communication skills, with the ability to be both pleasant and professional. * Ability to work professionally and effectively with co-workers, clients, claimants, vendors, and others with whom Sun Life does business. * Strong organizational skills, including the ability to prioritize work and multi-task. * Strong verbal and written communication skills. * Strong interpersonal and customer service skills. * Ability to initiate and prioritize regular work duties and projects. * Detail oriented, organized, the ability to multi-task, and strong time management skills. Salary Range: $56,100 - $84,200 At our company, we are committed to pay transparency and equity. The salary range for this role is competitive nationwide, and we strive to ensure that compensation is fair and equitable. Your actual base salary will be determined based on your unique skills, qualifications, experience, education, and geographic location. In addition to your base salary, this position is eligible for a discretionary annual incentive award based on your individual performance as well as the overall performance of the business. We are dedicated to creating a work environment where everyone is rewarded for their contributions. Not ready to apply yet but want to stay in touch? Join our talent community to stay connected until the time is right for you! We are committed to fostering an inclusive environment where all employees feel they belong, are supported and empowered to thrive. We are dedicated to building teams with varied experiences, backgrounds, perspectives and ideas that benefit our colleagues, clients, and the communities where we operate. We encourage applications from qualified individuals from all backgrounds. Life is brighter when you work at Sun Life At Sun Life, we prioritize your well-being with comprehensive benefits, including generous vacation and sick time, market-leading paid family, parental and adoption leave, medical coverage, company paid life and AD&D insurance, disability programs and a partially paid sabbatical program. Plan for your future with our 401(k) employer match, stock purchase options and an employer-funded retirement account. Enjoy a flexible, inclusive and collaborative work environment that supports career growth. We're proud to be recognized in our communities as a top employer. Proudly Great Place to Work Certified in Canada and the U.S., we've also been recognized as a "Top 10" employer by the Boston Globe's "Top Places to Work" for two years in a row. Visit our website to learn more about our benefits and recognition within our communities. We will make reasonable accommodations to the known physical or mental limitations of otherwise-qualified individuals with disabilities or special disabled veterans, unless the accommodation would impose an undue hardship on the operation of our business. Please email ************************* to request an accommodation. For applicants residing in California, please read our employee California Privacy Policy and Notice. We do not require or administer lie detector tests as a condition of employment or continued employment. Sun Life will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws, including applicable fair chance ordinances. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Job Category: Absence / Leave Management Posting End Date: 30/01/2026
    $56.1k-84.2k yearly Auto-Apply 33d ago

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