Castle Family Office jobs

Job Description Dental Assistant - Join Our Caring Dental Family! Employment Type: Full-Time Preferred (M - 9:30-7, T 8-5, W 10-7, TH 8-5, F 8-2) / Part-Time (M -9:30-7, T 8-5, W 10-7, TH 8-5) Start Date: ASAP Are you a friendly, motivated, and detail-oriented dental assistant looking to make a difference in patients' lives? We're looking for someone just like you to join our passionate team at Castle Family Dentistry! About Us: At Castle Family Dentistry, we take pride in delivering outstanding dental care with a personal touch. Our patients feel like family-and so does our team. We offer a supportive, respectful environment where every team member plays a vital role in creating healthy, beautiful smiles. Responsibilities: Assist the dentist during a variety of treatment procedures Take and develop dental radiographs (X-rays) Prepare and sterilize instruments and treatment rooms Ensure patient comfort before, during, and after procedures Maintain accurate patient records and assist with administrative duties as needed Educate patients on oral hygiene and post-treatment care ✅ Qualifications: NJ Dental Assistant certification (RDA a Plus) NJ Radiography License CPR certification Excellent communication and interpersonal skills Strong attention to detail and commitment to patient care Experience with Open Dental is a plus! What We Offer: Competitive pay based on experience Paid time off and holidays Continuing education opportunities Supportive and family-oriented work environment 1 set of Scrubs reimbursed 401k and match, dental coverage, etc. How to Apply: Email your resume and a short introduction and times available for a phone interview

Regular Your opportunity At Schwab, you're empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us "challenge the status quo" and transform the finance industry together. As an Assistant Branch Manager (ABM) within Schwab's Branch Network, you have the unique opportunity to center your work around development and growth - for your clients, your team, and yourself. In collaboration with, and under the guidance of, the Branch Manager, you will develop and implement a comprehensive local business plan focused on growth of market share and client assets. As a branch leader, you will coach a driven team of branch professionals, attending to performance management and employee engagement. In more than 300 branch offices in 45 U.S. states, you'll find Branch Managers leading and coaching their teams as they work directly with our clients to achieve their financial goals. As an ABM, you are on a direct path to become a Branch Manager, a critical leader role within our Investor Services organization, which is responsible for helping individuals and families with their financial goals, including retirement planning, charitable giving, estate planning, active investing or managing banking and lending needs. If you are seeking the next step in your career as a leader within wealth management, this may be the role for you. What you have Required Qualifications: Bachelor's degree or equivalent work-related experience A valid and active Series 7 license required A valid and active Series 66 (63/65) license required (may be obtained within a 90 day condition of employment) A valid and active Series 9/10 (8) license required (may be obtained within a 90 day condition of employment) Since this is a development role, those that are hired into his position need to be flexible to relocate across the network when a manager role becomes available. Preferred Qualifications: A minimum of 5 years in the financial services industry with leadership experience preferred Ability to provide ongoing employee coaching, development, and recognition Demonstrated business development experience with a strong drive for results Passion to focus on retention and development of top talent through coaching, performance management, and employee engagement. Openness to build and deepen relationships with clients, within the community and within Schwab to achieve desired results A valid and active Life and Health Insurance license (may be obtained within a 120 day condition of employment) CFP designation is preferred Strong brokerage and industry knowledge In addition to the salary range, this role is also eligible for bonus or incentive opportunities. What's in it for you At Schwab, you're empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration-so you can build the skills to make a lasting impact. We offer a competitive benefits package that takes care of the whole you - both today and in the future: 401(k) with company match and Employee stock purchase plan Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions Paid parental leave and family building benefits Tuition reimbursement Health, dental, and vision insurance

Responsibilities Howmet Engines is a world-class producer of aero engine and industrial gas turbine components, including airfoils, rings, disks and forgings. We excel in vacuum melted superalloys, machining, performance coatings and hot isostatic pressing for high performance parts that enable the next generation of quieter, more fuel-efficient aero engines and cleaner power generation. Howmet Dover Casting is a world-class supplier of complex, investment-cast turbine airfoils and other components for the aircraft engine and industrial gas turbine industries. Howmet Dover Alloy is a world-class supplier of vacuum and air-melted nickel- and cobalt-based superalloys to aerospace, gas turbine, medical and other high-technology industrial markets. Howmet Aerospace is currently looking a Maintenance Repair A to join our Howmet Alloy plant in Dover, New Jersey. The work hours for this Weekend Nights Shift are Friday, Saturday, Sunday Night 6PM-630AM. Training will occur on Day Shift Monday - Friday 6:00A - 2:30P New Hire Starting Hourly Rate: $34.75; After 12 Months: $37.42 Position will receive an hourly "shift premium" while assigned to an off-shift. $2500 Sign on Bonus payable after 90 days of employment (Sign on Bonus for external candidates only) Along with your pay, our company provides you with a comprehensive package of benefits that is competitive with other leading companies. Some of our benefits include: Paid vacation each year, based on length of service; 13 paid holidays per year; 401(k) Retirement Savings Plan, company may match a percentage of your pre-tax contributions; Employer contribution to your Retirement Savings Plan account each pay period; Medical/Prescription Drug/Dental/Vision benefits offered upon hire; Employee Life Insurance, Employee Assistance Program (EAP), Tuition Assistance Program; Free fitness center membership. Position Overview Makes repairs and does preventative maintenance on facility and manufacturing equipment. Essential Job Functions • Assists Senior Maintenance in maintaining plant mechanical and building equipment. • Installs piping and mechanical equipment as directed. • Able to trouble shoot and repair all routine mechanical failures or malfunctions and acquire some knowledge of hydraulic and pneumatic systems. • Assists in construction and/or repair of all plant equipment. • Keeps records as required. • Must be able to perform the duties of a B Maintenance Mechanic • Performs other duties as assigned by supervision. • Maintain all assigned work areas in as clean, orderly and safe condition as circumstances permit. EHS Requirements • Expected to assist in the implementation of EHS Values and policy statements and accompanying principals. • Comply with all department, facility, corporate and regulatory EHS regulations. • Wear all required personal protective equipment (PPE). • Report all job-related illness and injuries (Per Employee Handbook). • Report all safety, health and environmental concerns to your supervisor in a timely manner. • Attend all EHS training. Qualifications BASIC QUALIFICATIONS This position entails access to export-controlled items and employment offers are conditioned upon an applicant's ability to lawfully obtain access to such items. Employees must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire. Visa sponsorship is not available for this position. No relocation benefit is offered for this position. Candidates residing within 50 miles radius of Dover, NJ will only be considered. High School Diploma or GED from an accredited institution. Requires 4 years of work experience in a Manufacturing Environment in a mechanical role or related experience. PREFERRED QUALIFICATIONS Ability to communicate effectively (verbal and written) Must be able to work flexible hours including night and weekends with little advanced notice. Working towards acquiring a boiler operation license. Will be required to have a boiler license after 1 year of employment Other Skills/Abilities Familiar in repairs and location of plant air compressors, natural gas and propane systems, sprinkler valves, etc., water systems (city, well and tower boilers) Physical Demands Frequent lifting, pushing pulling and standing in a manufacturing environment Requires the use of a face shield and respirator at times TOOLS - Lathe, Welder, Miller, Grinders, Small hand tools and safety equipment, Computers, Vacuum leak detector Disclaimer The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed. About Us Howmet Aerospace Inc. (NYSE: HWM), headquartered in Pittsburgh, Pennsylvania, is a leading global provider of advanced engineered solutions for the aerospace and transportation industries. Our primary businesses focus on jet engine components, aerospace fastening systems, titanium structural parts and forged wheels. With $7.4 Billion in revenue in 2024, our products play a crucial role in enabling fuel efficiency and lightweighting, contributing to our customers' success and making a positive impact on the world. To learn more about the way Howmet Aerospace Inc. is advancing the sustainability of our customers, markets, and communities where we operate, review the 2024 Environmental Social and Governance report at ************************** Follow: LinkedIn, Twitter, Instagram, Facebook, and YouTube. Equal Opportunity Employer: Howmet is proud to be an Equal Employment Opportunity employer. We are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or other applicable legally protected characteristics. If you need assistance to complete your application due to a disability, please email [email protected] About the Team The Howmet engines business produces world-class aerospace engine components, including investment castings, fasteners, rings and forgings. Our vacuum melted superalloys, machining, performance coatings and hot isostatic pressing for high performance parts enable the next generation of quieter, cleaner and more fuel-efficient aerospace engines. Able to supply more than 90% of structural and rotating aerospace engine components.

Source One is a consulting services company and we're currently looking for the following individual to work as a consultant with our direct client, a global pharmaceutical manufacturing client in Titusville, NJ. This role will be onsite and available to candidates local to the Titusville, NJ area. We are interested in every qualified candidate who is eligible to work in the United States. Unfortunately, we are not able to sponsor visas or employ corp-to-corp Title: Specialist 4 - Medical Writing Location: Titusville, NJ Onsite (Mon-Fri, 40 hours) Contract Duration: 12 months, with likely extension Pay Rate: $78.35 per hour (w2) Description: Company is recruiting for a Manager, Medical Information, Payer and Health Systems. We believe health is everything. Our strength in healthcare innovation empowers us to build a world where complex diseases are prevented, treated, and cured, where treatments are smarter and less invasive, and solutions are personal. Through our expertise in Innovative Medicine and MedTech, we are uniquely positioned to innovate across the full spectrum of healthcare solutions today to deliver the breakthroughs of tomorrow, and profoundly impact health for humanity. The Manager, Medical Information, Payer and Health Systems reports to the Associate Director Med Info-PHS and supports the development and dissemination of Medical Information scientific content and materials to Payers, Healthcare Intermediaries and Health Systems across the assigned Pharmaceutical IM portfolio of products. Responsible for quantitative and qualitative payer content related success criteria reports and metrics. Payer Scientific Content and Materials - 70% • Leads the development and timely dissemination of tailored, evidence-based scientific materials for assigned therapeutic area products. • Member of the multi-disciplinary team tasked with reviewing and approving of Payer regulated content prior to it being used. • Supports the development of AMCP standard and pre-approval dossiers, Medicaid formulary requests, and custom requests working collaboratively with Medical Affairs and Real-World Value & Evidence (RW V&E)therapeutic area leads. • Engages in shaping and development of the Payer Digital Assets in collaboration with Med Info CSI-Digital partners. • Works closely with RW V&E Field, Medical Affairs Therapeutic Area team(s) and Medical Information Scientific Engagement Contact Center to guide creation and delivery of responses to unsolicited Medical Information Requests from Payers and Health Systems • Supports the development and dissemination of scientific information in support of assigned products to Clinical Decision Resource Organizations (CDRO) in partnership with Medical Information Affairs, RW V&E, SCG, Therapeutic Teams • Support interactions with drug compendia and collaborates with AD, Med Info PHS and business partners to evaluate strategies for compendia interactions. • Ensures optimized delivery of high-quality and efficient Payer scientific content and materials by vendors, provides real-time feedback and first line scientific review of materials as needed. Voice of Customer and Metrics - 20% • Leverage voice of customer and other sources of customer information and identify actionable items to enhance development of Payer and Health Systems materials. Projects and Research - 10% • Participates in ad-hoc projects and activities as assigned by management. • Conducts benchmark and research on the landscape of Payer, Healthcare Intermediaries, and health systems. Qualifications Education: MS or equivalent in Pharmacy or related science field required. Advanced Degree (e.g., PharmD) or PhD is preferred Experience: Required: • A minimum of 2-4 years' experience in Medical Information or Health Economics and Outcomes Research or specialized postdoctoral training in Medical Information or Health Economics and Outcomes Research • Expertise in the healthcare industry, clinical knowledge or practice across multiple therapeutic areas • Excellence in leadership skills, collaboration in a matrix environment, influencing and communication (both written and presentation) is required. • Expertise working in a matrix environment with cross functional teams required. • Customer Focus - drives excellent customer service and exhibits understanding of healthcare landscape. • This position based in NJ and may require up to 10% domestic travel for conference attendance and company meetings. Preferred: • Working knowledge of United States health care systems and payers - specifically understanding business models and perspectives of managed care and public sector

Job Classification: Operations - Insurance Operations The role of the Client Onboarding and Trading Documentation Group is to efficiently lead the client and investor onboarding process, drive the negotiation, maintenance and amendment of institutional client and trading documentation and perform various other support functions related to our institutional clients and fund investors. The team works closely with PGIM's Product, Operations, Compliance, and Legal teams to ensure readiness for account and fund launches. Your impact The Specialist role has responsibility for supporting the day-to-day functions related to onboarding institutional clients and fund investors. This Specialist will facilitate the onboarding of various fund types including Public and Private Fixed Income, Real Estate, and Equity along with institutional single client accounts. This may include communicating with institutional clients and service providers, facilitating internal account and fund investor set-up, maintaining certain client information with an emphasis on risk and control. The Specialist is responsible for the handling and oversight of the onboarding process, escalating issues to individual team leaders, or senior management, as needed, and suggesting and/or facilitating solutions. What you will do * Facilitate the institutional client onboarding process * Ensure timely and accurate communications and status updates regarding institutional client onboardings * Provide support with respect to changes in client status, name changes, transfer in kinds and client terminations * Support fund investor subscription and redemption activities including the handling of subscription & adoption agreements for fund investors * Support responses to client inquiries regarding institutional client agreements and derivative regulatory status * Support RFP inquiries related to client agreements and onboarding documentation * Maintain & share certain client information via IHS Markit and other approved platforms * Assess opportunities to improve operational efficiencies on an on-going basis * Resolve and escalate issues proactively and in a timely manner * Manage competing priorities * Maintain a robust control environment and ensure compliance with onboarding processes * Cultivate relationships with internal and external partners and service providers * Support and/or lead projects and/or strategic initiatives * Support ad-hoc duties as assigned What you will bring * 3-5 years of experience in asset management or capital markets * Knowledge of various investment products and institutional client types * Strong analytical skills, project management skills, and a proven ability to improve established processes * Must be team-oriented, with the ability to develop and cultivate working relationships, while being proactive and self-motivated to ensure deadlines are met * Strong customer service skills * Undergraduate degree * Excellent organization, communication (oral and written), and time management skills * Must be able to operate in a stressful, deadline driven environment while still maintaining strong attention to detail and ability to prioritize issues appropriately Salary range disclosure Prudential is required by state specific laws to include the salary range for this role when hiring a resident in applicable locations. The salary range for this role is from $90,000 to $120,000. Specific pricing for the role may vary within the above range based on many factors including geographic location, candidate experience, and skills. Roles may also be eligible for additional compensation and/or benefits. Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program, whereby an award, if any, depends on various factors including, without limitation, individual and organizational performance. PGIM Global Asset Management PGIM is the diversified asset management business of Prudential Financial, Inc. (NYSE: PRU). With over $1.3 trillion in assets under management, and 46 offices spanning 19 countries, PGIM is among the world's largest asset managers. Comprised of seven self-governing asset management divisions, each PGIM business offers a distinct workplace culture that aligns with the firm's ultimate objective: to provide premier service to our clients while fostering an inclusive workplace culture that is rooted in trust, respect and equality. What we offer you: * Market competitive base salaries, with a yearly bonus potential at every level. * Medical, dental, vision, life insurance, disability insurance, Paid Time Off (PTO), and leave of absences, such as parental and military leave. * 401(k) plan with company match (up to 4%). * Company-funded pension plan. * Wellness Programs including up to $1,600 a year for reimbursement of items purchased to support personal wellbeing needs. * Work/Life Resources to help support topics such as parenting, housing, senior care, finances, pets, legal matters, education, emotional and mental health, and career development. * Education Benefit to help finance traditional college enrollment toward obtaining an approved degree and many accredited certificate programs. * Employee Stock Purchase Plan: Shares can be purchased at 85% of the lower of two prices (Beginning or End of the purchase period), after one year of service. Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program, whereby an award, if any, depends on various factors including, without limitation, individual and organizational performance. To find out more about our Total Rewards package, visit Work Life Balance | Prudential Careers. Some of the above benefits may not apply to part-time employees scheduled to work less than 20 hours per week. Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom. Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, sex, sexual orientation, gender identity, national origin, genetics, disability, marital status, age, veteran status, domestic partner status, medical condition or any other characteristic protected by law. If you need an accommodation to complete the application process, please email accommodations.hw@prudential.com. If you are experiencing a technical issue with your application or an assessment, please email *************************************** to request assistance.

NOW HIRING Proprietary Equity Traders Wanted T3 Trading Group, LLC (****************** is a registered SEC Broker-Dealer & Member of FINRA SIPC. T3's office headquarters is located at 88 Pine Street in the heart of New York City's famed financial district. We provide aspiring proprietary traders with the education necessary to trade based on risk/reward, probability parameters, and strict money management. In order to maximize the potential of our traders, we will provide: WE PROVIDE: Education in technical analysis, tape reading, money management, and market psychology Daily trading review with experienced traders Competitive payout structure Cutting edge technology Open and friendly team environment REQUIRED QUALIFICATIONS: College degree with a competitive GPA Basic familiarity with the equity markets Strong analytical skills Ability to work well in a team environment A focused, dedicated, and entrepreneurial personality Enthusiasm for the equity markets Prior trading experience is not required We are now accepting applications to join our dedicated and experienced team of professional traders. New and aspiring traders work to reach a level of consistent profitability in their trading through appropriate risk/reward and probability parameters with an eye toward strict money management. In order to reach this goal, experienced traders work with entry level traders in an extensive trade review program after the market close each day. Traders are educated in the nuances of technical analysis, tape reading, money management, and market psychology. Traders will learn how to identify and capitalize on stock trends and retracements with a view towards multiple time frames. Each day prospects will work to learn and grow as traders. Series 57 license required. We will sponsor qualified candidates for this exam. If interested, please contact Paolo Fontana at ************ or ***************************

Job Classification: Investment Management - Investments A GLOBAL FIRM WITH A DIVERSE & INCLUSIVE CULTURE As the Global Asset Management business of Prudential, we're always looking for ways to improve financial services. We're passionate about making a meaningful impact - touching the lives of millions and solving financial challenges in an ever-changing world. We also believe talent is key to achieving our vision and are intentional about building a culture on respect and collaboration. When you join PGIM, you'll unlock a motivating and impactful career - all while growing your skills and advancing your profession at one of the world's leading global asset managers! If you're not afraid to think differently and challenge the status quo, come and be a part of a dedicated team that's investing in your future by shaping tomorrow today. At PGIM, You Can! What you will do The Senior Investment Analyst role in the Portfolio Analysis Group will directly support the Asset Based Finance desk, providing investment analysis, both portfolio and market based, to key internal constituents, as well as current and prospective clients. Sectors covered will include Private ABF, CMBS, non-agency RMBS, CLOs, and Asset Backed Securities. The Analyst delivers expert quantitative investment analytics and shares leadership responsibilities for the group with his or her peers. The Analyst works closely with portfolio managers, risk managers, traders, credit research, client service representatives and the sales and marketing team to deliver deal analysis, performance attribution and analytics, monitor portfolio positioning, alignment, and risk exposures, collect and analyze market data and model portfolios and custom benchmarks for portfolio management. The incumbent understands and participates in portfolio construction and trade construction within multiple sets of constraints or guidelines that exist for the portfolio sphere they cover. The ability to successfully navigate multiple, and at times competing, ad hoc requests and projects simultaneously that relate to market or portfolio analytics received from all parts of the larger Fixed Income organization is also key. The incumbent partners closely with peers throughout Fixed Income to build organizational capabilities and is responsible for setting goals and accomplishing the objectives of the Portfolio Analysis Group. What you can expect * Perform targeted deal analysis, prepare investment committee materials, and deliver performance attribution for Asset Based Finance portfolios, emphasizing risk, structure, and outcome across ABF asset classes. * Integrate specific client guidelines, objectives and risk tolerances into the firm's investment process and strategies to ensure complete portfolio management and analytics are in place for all portfolios * Follow developments, views and themes within the market or markets applicable to the desks being covered, understand how those drive portfolio positioning and performance * Maintain the Portfolio Analysis Group's position as a world class provider of Investment Analytics and provide leadership, talent development and execution against the organization's strategic goal set. * Work with peers across mandates to ensure analytics processes and methodologies are applied consistently and efficiently * Deliver and effectively communicate monthly and quarterly performance attribution analysis * Work with constituents throughout the organization to ensure that the Portfolio Analysis Group, Portfolio Management teams and the Risk Management Group have the tools and technology required to effectively manage portfolios * Remain current on all applicable technology related to portfolio analytics, attribution methodologies, modelling methodologies and risk management tools * Ad hoc Project work including but not limited to work related to analyzing new deals in the market, answering client questions, or creating exhibits on market trends as needed by the desk. What you will bring * 3-5+ years of experience in Fixed Income Investments and a demonstrated passion for Fixed Income Analytics with Structured Product and Credit experience strongly preferred * Strong demonstrated quantitative skills (project experience involving data analysis a plus) * Advanced knowledge of MS Excel * Experience scripting with SQL is strongly preferred and working with programming languages (Python/R) is a plus * Tableau or other data visualization tool experience is preferred * Ability to thrive in a fast-paced environment while working on multiple tasks both independently and within a team construct * Maintains high levels of productivity and self-direction * MBA, CFA, other applicable master's level work such as Statistics or Quantitative Finance or equivalent experience will be considered * Excellent verbal and written communications skills * Embraces and encourages change and development * PGIM welcomes all applicants, even if you don't meet every requirement. If your skills align with the role, we encourage you to apply. Note: Prudential is required by state specific laws to include the salary range for this role when hiring a resident in applicable locations. The salary range for this role is from $120,000 to $125,000. Specific pricing for the role may vary within the above range based on many factors including geographic location, candidate experience, and skills. Roles may also be eligible for additional compensation and/or benefits. Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program, whereby an award, if any, depends on various factors including, without limitation, individual and organizational performance. What we offer you: * Market competitive base salaries, with a yearly bonus potential at every level. * Medical, dental, vision, life insurance, disability insurance, Paid Time Off (PTO), and leave of absences, such as parental and military leave. * 401(k) plan with company match (up to 4%). * Company-funded pension plan. * Wellness Programs including up to $1,600 a year for reimbursement of items purchased to support personal wellbeing needs. * Work/Life Resources to help support topics such as parenting, housing, senior care, finances, pets, legal matters, education, emotional and mental health, and career development. * Education Benefit to help finance traditional college enrollment toward obtaining an approved degree and many accredited certificate programs. * Employee Stock Purchase Plan: Shares can be purchased at 85% of the lower of two prices (Beginning or End of the purchase period), after one year of service. Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program, whereby an award, if any, depends on various factors including, without limitation, individual and organizational performance. To find out more about our Total Rewards package, visit Work Life Balance | Prudential Careers. Some of the above benefits may not apply to part-time employees scheduled to work less than 20 hours per week. Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom. Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, sex, sexual orientation, gender identity, national origin, genetics, disability, marital status, age, veteran status, domestic partner status, medical condition or any other characteristic protected by law. If you need an accommodation to complete the application process, please email accommodations.hw@prudential.com. If you are experiencing a technical issue with your application or an assessment, please email *************************************** to request assistance.

At Moody's, we unite the brightest minds to turn today's risks into tomorrow's opportunities. We do this by striving to create an inclusive environment where everyone feels welcome to be who they are-with the freedom to exchange ideas, think innovatively, and listen to each other and customers in meaningful ways. Moody's is transforming how the world sees risk. As a global leader in ratings and integrated risk assessment, we're advancing AI to move from insight to action-enabling intelligence that not only understands complexity but responds to it. We decode risk to unlock opportunity, helping our clients navigate uncertainty with clarity, speed, and confidence. If you are excited about this opportunity but do not meet every single requirement, please apply! You still may be a great fit for this role or other open roles. We are seeking candidates who model our values: invest in every relationship, lead with curiosity, champion diverse perspectives, turn inputs into actions, and uphold trust through integrity. Skills and Competencies * Familiarity of Java * Working knowledge SqL queries * Good understanding of data structures and algorithms * Can do attitude and coachable * Basic understanding of artificial intelligence concepts, with curiosity and enthusiasm for learning how AI tools can be used to improve processes and drive efficiency. Interest in exploring AI systems and a willingness to develop awareness of responsible AI practices, including risk management and ethical use Education * Graduation date of December 2026 - June 2027 * Ability to work during program dates: June 1st - August 7th 2026 * Currently a rising senior pursuing a Bachelor's degree in Computer Science, Computer Engineering, Data Science, or a related field Responsibilties * Participation in team planning and design sessions * Review and Implement product requirements * Contributions to Automated testing frameworks * Development of internal tooling to support team productivity For US-based roles only: the anticipated hiring hourly range for this position is $35, depending on factors such as experience, education, level, skills, and location. Moody's is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, sex, gender, age, religion or creed, national origin, ancestry, citizenship, marital or familial status, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, military or veteran status, or any other characteristic protected by law. Moody's also provides reasonable accommodation to qualified individuals with disabilities or based on a sincerely held religious belief in accordance with applicable laws. If you need to inquire about a reasonable accommodation, or need assistance with completing the application process, please email accommodations@moodys.com. This contact information is for accommodation requests only, and cannot be used to inquire about the status of applications. For San Francisco positions, qualified applicants with criminal histories will be considered for employment consistent with the requirements of the San Francisco Fair Chance Ordinance. This position may be considered a promotional opportunity, pursuant to the Colorado Equal Pay for Equal Work Act. Click here to view our full EEO policy statement. Click here for more information on your EEO rights under the law. Click here to view our Pay Transparency Nondiscrimination statement. Click here to view our Notice to New York City Applicants. Candidates for Moody's Corporation may be asked to disclose securities holdings pursuant to Moody's Policy for Securities Trading and the requirements of the position. Employment is contingent upon compliance with the Policy, including remediation of positions in those holdings as necessary. For more information on the Securities Trading Program, please refer to the STP Quick Reference guide on ComplianceNet Please note: STP categories are assigned by the hiring teams and are subject to change over the course of an employee's tenure with Moody's.

How would you like to join one of the most highly regarded financial institutions in New Jersey with deep roots in the community? Provident is a successful and highly regarded multi-billion-dollar bank that continues to grow with branches in New Jersey, Eastern Pennsylvania and New York. Our longevity is a testament to our commitment to placing our employees, customers, and the communities we serve at the center of all we do. At Provident Bank, we are committed to enhancing our customer and employees' experience. POSITION OVERVIEW: The person in this role will have a passion for creating, coaching and driving excellent customer experiences and proficiency in collecting, analyzing, and synthesizing information to produce actionable outcomes for a best-in-class customer experience. The incumbent will oversee the day-to-day activities of the CX department. They will have a proven track record as a recognized customer experience leader and will drive thought leadership and a customer centric culture. KEY RESPONSIBILITIES: * Constantly exploring new tools and techniques in the industry to help cross functional teams understand customer behavior across journeys * Manage relationship with journey analytics partners and define scope and strategy that's aligned with organizational strategic goals * Develop use cases to help showcase journey analytics capabilities to current and potential partners * Share learnings and capabilities with broader analytics community and advocate use of journey analytics data and tools in defining customer engagement and growth strategies across platforms * Develop programs, processes and tools to increase engagement between our customers and their solutions * Leads customer experience team, responsibilities and outcomes * Maintain current knowledge of major customer business processes at Provident, including evolving plans, while including needs for customer information. Participate in customer process journey mapping and other CX transformational initiatives. * Ensure gaps in customer satisfaction are identified and analyzed by CX team, with results and opportunities for improvement communicated effectively. * Identify, develop and deliver opportunities to develop advisory solutions to address customer problems and identify commercialization opportunities for the business lines. * Constantly evaluate opportunities to add critical customer behavior data to journey views to better understand customer needs and pain points * Track and maintain improvements made for customers as an outcome of above processes * Serve as an empowered representative for CX leadership in various meetings, and committees as appropriate. * Stay up to date on the latest CX trends and find opportunities to implement with organization * Participate in customer process journey mapping and other CX transformational initiatives * Design customer facing and employee facing materials to ensure brand, tone and messaging consistency. * Support partner teams with process flows and brand aligned scripting * Review documents, letters and website content to ensure customer centric messaging * Act as change agent and thought leader by capturing and sharing customer experience best practices across the organization. * Partner with customers to understand their views and insights, utilizing VOC feedback * Build a network of relationships internally and externally, with key partners and customers to stay current on issues impacting sales or growth MINIMUM QUALIFICATIONS: * 10 years + in Customer Experience, field with demonstrated hands-on experience in consumer and commercial markets. * Experience with insurance and wealth a bonus * Strategic thinker * Strong command of CX processes and CX data and analytics * Sound understanding of end-to-end customer journeys * Experience with tools and reporting structures of CX * Experience with CX listening software * Self-starter, self-motivated * Strong ability to multi-task * Adaptable to a highly changing environment * Familiarity with banking regulations * Excellent written and verbal communication skills * Ability to drive collaboration with cross-functional teams EDUCATION * BA/BS degree or relevant experience WORKING CONDITIONS: Work is performed in a normal office environment. Noise levels are usually moderate. This position involves travel to customers and property locations. * Prolonged sitting * Lifting from 5 to 10 lbs. (printer paper, storage boxes) * Occasional bending or overhead lifting (storing files or boxes) * The hazards are mainly those present in a normal office setting This may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management. Provident Bank recognizes and supports the importance of creating a socially and culturally diverse employee base. We understand, value, and appreciate the unique perspectives that a diverse workforce can contribute to our organization. We put the employee and the customer at the center of strategy because culture is a critical differentiator for why people choose to work here. We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law. Pay Details: $103,000 - $147,200 annually Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs. This role is incentive eligible based upon company, business, and/or individual goal achievement and performance. Team members accrue paid time-off (PTO), receive Holiday (PTO) and are eligible to participate in the bank's Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans. #LI-Hybrid

* Understanding of client business objective, challenges, scope, business outcome through cloud and AI enablement * Conduct advisory engagements - Cloud / Data Architecture, Industry Cloud, Mergers / Divestitures, Optimization / Operating Model, Ecosystem Integration * Assess existing IT infrastructure and determine cloud migration suitability * Provide technical guidance for cloud platform selection and migration * Develop hybrid cloud roadmaps and strategies for clients, conduct comprehensive cloud assessments, distributed cloud architecture design and create implementation plan and roadmap * Maintain client stakeholder relationship, identify downstream opportunities, ensure closure of advisory commitments * Conduct cost optimization analyses, identify opportunities to reduce cloud spending, maximize return on cloud investments * Ensure security and regulatory compliance, provide training and education to client on cloud technologies Qualifications: Mandatory Skills * Cloud certification / advanced cloud certification * Previous cloud delivery engagement experience * Business understanding of Industry processes, Mergers and divestitures, operating model post cloud adoption, data structures, data availability assessment and AI enablement * Technical Proficiency in one / multiple of the following technology spaces - distributed cloud architecture design, migration and modernization techniques, microservices and serverless architecture, API and integration techniques, DevSecOps, cloud native services, cloud resource optimization and FinOps techniques Desired Skills * Ability to translate technical concepts for non-technical audiences * Adaptability to emerging technologies * Customer-centric mindset * Working in cross functional teams * Effective presentation capabilities * Local and regulatory compliance and Industry standards Salary Range: $153,000-$180,000 a year #LI-KR2

At OceanFirst Bank, each one of our employees plays an important role in fulfilling the mission and taking responsibility to execute daily tasks in alignment with our core values. Together we foster an environment of respect, professionalism and diversity that makes OceanFirst a great place to work and do business. Great benefits include: on-site fitness facility at Red Bank and Toms River headquarter offices, employee perks & discount programs, tuition assistance, incentive compensation program, professional development opportunities, and more! Apply today to #BecomeOceanFirst and make an impact in the local community! ABOUT YOUR ROLE: Responsible for satisfying functional requirements specific to Bank applications. This position specializes in the technical requirements of core-related systems, and/or consumer, commercial and business banking applications. This role prioritizes professional development to understand both the functional and technical application requirements as well as depth in application solutions. Success is defined as satisfying OceanFirst Bank's line of business application requirements, supporting the improvement of efficiencies, and documenting all application aspects, to include workflow, training, standards, and enhancements. WHAT YOU WILL DO: 1. Specialize in application technical requirements while implementing solutions to position the LOB more effectively and efficiently. 2. Under the guidance of the Applications Manager or Director, collaborate with LOB's on approved projects to gather business requirements and translate them into an implemented solution. 3. Work with the Data and Engineering team to documentation LOB solutions are aligned with the Software Development Lifecycle (SDLC) and Application Lifecycle (ALC) standards. 4. Reinforce the team's use of approved systems of documentation, including Azure DevOps and Service Now. 5. Manage assigned projects and communicate with vendors and end-users to configure, test, deploy, and implement new application products and features or updates. 6. Document all procedures, workflows, project requirements, and training SOP for each supported application. Ensure that the team is informed of any changes or enhancements. 7. Focus on customer experience, optimization and service excellence. 8. Engage in professional development activities to further develop expertise in OceanFirst systems. 9. Considered a subject matter expert on assigned business lines processes and procedures. 10. Continuous upskilling in digital transformation, compliance, and customer interaction is essential for long-term success 11. Maintain compliance with the Bank's data governance, information security and change control programs. 12. Manage service tickets end-users submit by either delegating or escalating, providing guidance and support, or troubleshooting and resolving. Assist team members on more complicated issues. 13. Participate in disaster recovery and business continuity planning and testing exercises as assigned. WHAT WE EXPECT OF YOU: * Subject Matter Expert (SME) on core bank, lending, branch, and/or document storage applications and functionality. * Knowledge of how technical and functional requirements are balanced to produce a solution to a LOB solution request. Proficiency in assessing and identifying solution assumptions, constraints, dependencies and risks. * Expertise in User Acceptance Testing and Quality Assurance prior to application deployment to ensure functional and technical requirements are met. * Basic knowledge of application, data, and infrastructure architecture disciplines. * Compliance with the IT change management process, and to assist the team in identifying the need for submission. * Strong interpersonal and communication skills. * Demonstrated problem solving skills and ability to prioritize workload effectively. Help to develop the skills of the team. * Demonstrated proficiency in implementing and managing the enterprise-wide applications supported by the team.

ITC WORLDWIDE is seeking a dynamic and experienced Microsoft Business Applications Senior Sales Consultant WFH or an ITC field office Are you passionate about selling business applications solutions that empower organizations to achieve more? Do you have a proven track record of delivering results in a complex and competitive market? Do you have experience with Microsoft Dynamics 365 Finance & Operations or other ERP systems? If so, we want to hear from you. To be successful in this position you will possess the following attributes: Motivated and proactive professional with previous experience in end-to-end sales within Microsoft or equivalent Enterprise Applications. 5+ years face-to-face selling experience - Microsoft product suite expertise including D365, PowerApps and Business Central is highly regarded. Demonstrated ability to hunt new business opportunities. Ability to build and foster strong customer relationships in existing customer base. A strong customer-centric approach and ability to network across a complex organization. Skills in managing multiple commercial processes (new business sales), forecasting precisely and identifying challenges to positive commercial outcomes. Develop and execute a sales strategy in designated territories and work with both vendor and Industry teams to execute. Arrange and conduct customer meetings, serve as trusted advisor by understanding a customer's existing and future digital transformation roadmap and driving the sales. Strong networking skills and industry experience Ability to drive new business and get engaged with lead generation. Liaising with solution consultants to drive correct business outcomes. Desire to be involved in a rapidly growing business and take a leadership role in helping it thrive. Strong personality motivated by continual improvement and self-development Responsibilities: Develop and execute sales strategies to grow revenue and market share in the Finance & Operations segment. Build and maintain strong relationships with key decision makers and influencers across various industries and geographies. Understand customer needs and pain points and propose value-added solutions that leverage Microsoft's D365 platforms and applications. Collaborate with delivery and pre-sales teams to ensure proposed solutions align with client requirements. Working with Marketing and Business Development personnel to help develop lead generation campaigns along with target marketing to specific verticals. · Manage the entire sales cycle, including prospecting, negotiations, and contracting Develop and nurture a robust pipeline of prospects to achieve and exceed sales targets Leverage your sales knowledge and existing Microsoft ecosystem network Qualifications: Minimum of 5 years of experience in selling enterprise software solutions, preferably in the ERP domain Strong knowledge of Microsoft Dynamics 365 Finance & Operations or other ERP systems and their business benefits Excellent communication, presentation, and negotiation skills Ability to work independently and as part of a team in a fast-paced and dynamic environment. Bachelor's degree in business, finance, or related field Prior consulting services sales experience required, and an understanding of Microsoft's Business Applications preferred (Sales, Service, Marketing, Finance, HR, Supply Chain, and Project Operations) Package Details Contract W2 role for an experienced Tech Seller! Base Salary (Draw) W2 Commissioned: from 1-3% on lifetime Support + Bonus on Managed Services +Cash Bonus What's in it for you Qualified Leads Technical Sales & Service Support Product Selling Training Provided Dynamics 365 - CRM Dynamics 365 - Business Central Microsoft 365 ISV Solutions (Offers) Neural Impact Sales Optimization Training Differentiation & Engagement Effective Discovery & CIO Engagement Project Impact & Objection Handling $ 150,000.00 (US Dollar) BIzzApp Sales 2. Acct exec 3. services & support consult

About us: Good things are happening at Berkshire Hathaway GUARD Insurance Companies. We provide Property & Casualty insurance products and services through a nationwide network of independent agents and brokers. Our companies are all rated A+ “Superior” by AM Best (the leading independent insurance rating organization) and ultimately owned by Warren Buffett's Berkshire Hathaway group - one of the financially strongest organizations in the world! Headquartered in Wilkes-Barre, PA, we employ over 1,000 individuals (and growing) and have offices across the country. Our vision is to be a leading small business insurance provider nationwide. Founded upon an exceptional culture and led by a collaborative and inclusive management team, our company's success is grounded in our core values: accountability, service, integrity, empowerment, and diversity. We are always in search of talented individuals to join our team and embark on an exciting career path! Benefits: We are an equal opportunity employer that strives to maintain a work environment that is welcoming and enriching for all. You'll be surprised by all we have to offer! Competitive compensation Healthcare benefits package that begins on first day of employment 401K retirement plan with company match Enjoy generous paid time off to support your work-life balance plus 9 ½ paid holidays Up to 6 weeks of parental and bonding leave Hybrid work schedule (3 days in the office, 2 days from home) Longevity awards (every 5 years of employment, receive a generous monetary award to be used toward a vacation) Tuition reimbursement after 6 months of employment Numerous opportunities for continued training and career advancement And much more! Responsibilities We are seeking a highly skilled and client-focused Insurance Loss Control Consultant to join our team. This role is designed to service larger commercial policyholders while also supporting business development by positioning loss control as a value-added service. The consultant will travel throughout the continental United States to meet with insureds, conduct risk assessments, and build customized service plans that strengthen client relationships and support policy retention and growth. Expertise in Workers' Compensation, Property, and General Liability exposures is heavily required, with knowledge of the Excess & Surplus (E&S) market considered a significant plus. Key Responsibilities Serve as a trusted advisor to larger policyholders by delivering tailored risk management and safety solutions. Conduct onsite visits to evaluate Workers' Compensation, Property, and Liability exposures, with a focus on building service plans that align with each client's operations and long-term goals. Partner with underwriting, account management, and business development teams to position loss control as a value-added service that supports client acquisition, retention, and policy servicing. Develop and present risk improvement strategies to clients, providing practical and actionable recommendations. Build and maintain strong, consultative relationships with insureds, brokers, and internal stakeholders. Deliver client presentations, participate in renewal meetings, and support sales efforts through technical expertise and service differentiation. Stay current on regulatory changes, emerging risks, and industry best practices impacting Workers' Compensation, Property, Liability, and E&S lines. Qualifications Bachelor's degree in Safety, Risk Management, Engineering, or related field preferred. 5+ years of experience in insurance loss control, risk consulting, or occupational safety. Strong knowledge of Workers' Compensation, Property, and Liability exposures; familiarity with the E&S market is a plus. Professional certifications such as ARM, CSP, or equivalent are strongly preferred. Excellent communication, presentation, and relationship-building skills, with the ability to influence decision-makers. Business development mindset with a track record of supporting sales, account retention, or value-added service initiatives. Ability and willingness to travel up to 50% across the continental U.S. What We Offer Competitive compensation and benefits package. Opportunities for professional development and certification support. A collaborative culture that values innovation, client service, and long-term partnerships. *Applicants must be authorized to work in the U.S. without current or future sponsorship* Salary Range: $120,000-$150,000 base. In addition to base compensation, this role may be eligible for a performance-based bonus, subject to individual and company performance. The annual base salary range posted represents a broad range of salaries around the U.S. and is subject to many factors including but not limited to credentials, education, experience, geographic location, job responsibilities, performance, skills and/or training.

Denver, Colorado;Seattle, Washington; Addison, Texas; Jersey City, New Jersey; Boston, Massachusetts; Charlotte, North Carolina; Washington, District of Columbia; Jacksonville, Florida; Chicago, Illinois **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (****************************************************************************************** **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! **Job Description:** Manual Ethical Hacking is part of the Application Development Security Framework Program within Bank of America's Cyber Security Assurance Offensive Security group. The program provides services to assess the vulnerability of the bank's applications to malicious hacking activity. This intermediate technical role is responsible for performing application security assessments of the bank's technologies, applications, and cyber security controls while adapting testing methods to evolving and emerging threats. Key responsibilities include performing research, understanding the bank's security policies, working with the appropriate partners to complete assessments and simulations, identifying misconfigurations and vulnerabilities, and reporting on associated risk. These individuals partner closely with security partners, CIO clients and multiples lines of business. Key Responsibilities in order of importance: + Perform assigned analysis of internal and external threats on information systems and predict future threat behavior + Incorporate threat actors' tactics, techniques, and procedures into offensive security testing + Perform assessments of the security, effectiveness, and practicality of multiple technology systems + Leverage innovative thinking to help solve problems or introduce new ideas to processes or products applicable to offensive security. + Prepare and present detailed technical information for various media including documents, reports, and notifications + Provide clear and practical advice regarding managed risks + Learn and develop advanced technical and leadership skills, Mentor Junior assessors in technical tradecraft and soft skills Required Skills: + Minimum of 4 years of professional pentesting, application security or ethical hacking experience, preferably in a large, complex, enterprise environment + Detailed technical knowledge in at least 3 of the following areas: security engineering; application architecture; authentication and security protocols; application session management; applied cryptography; common communication protocols; mobile frameworks; single sign-on technologies; exploit automation platforms; RESTful web services + SQL injection/XSS attack without the use of tools + Experience performing manual code reviews for security relevant issues + Experience working with SAST tools to identify vulnerabilities + Able to manually identify and reproduce findings, discuss remediation concepts, develop PoCs for vulnerabilities, use scripting/coding techniques, proficiently execute common penetration testing tools, triage, and support incidents, and produce high value findings + Experience performing manual web application assessments i.e., must be able to simulate a + Knowledge of network and Web related protocols/technologies (e.g., UNIX/LINUX, TCP/IP, Cookies) + Experience with vulnerability assessment tools and penetration testing techniques + Solid programming/debugging skills + Experience of using a variety of tools, included, but not limited to, IBM AppScan, Burp and SQL Map + Threat Analysis + Innovative Thinking + Technology Systems Assessment + Technical Documentation + Advisory Desired: + CISSP, CEH, OSCP, OSWE, GPEN, PenTest+ or similar + Strong programming/scripting skills This job will be open and accepting applications for a minimum of seven days from the date it was posted. **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the "Know your Rights" poster, CLICK HERE (************************************************************************************** . View the LA County Fair Chance Ordinance (************************************************************************************************** . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

On the Internal Audit Associate Team, you will have the opportunity to take your career to the next level in our industry-leading audit practice and accelerate your career development through hands-on experience, immersive learning opportunities, and coaching. As an internal audit associate in Internal Audit, you will also receive dedicated training, mentoring and career development with the opportunity for promotion to a Senior Auditor role on one of our Internal Audit teams in the future, based on performance and demand. You will build diversified experiences working with the firm's Internal Audit teams, including Asset & Wealth Management, Commercial Banking, Consumer & Community Banking, Corporate & Investment Banking, Global Technology, Corporate Functions and Internal Audit Practices, where you will perform continuous monitoring of business activities and assess emerging trends impacting the control environment, communicate audit findings to management and identify opportunities for improvement in the design and effectiveness of key controls. Internal Audit is an independent function at JPMorgan Chase that aims to enhance and protect the firm by providing risk-based and objective assurance, advice and insight. We work with every Line of Business and Corporate Function to assess the internal control processes that drive our global business - identifying areas of improvement to help safeguard the firm. Using cutting-edge audit technology, data, methodology and sound judgement, we bring a systematic and disciplined approach to evaluating and improving the effectiveness of governance, risk management and controls. We're proud of our reputation for excellence, integrity and collaboration. Our priorities of strong governance, transparency and strategic engagement, along with our people-first culture centered around diversity, equity, inclusion, teamwork, career progression and continuous learning, have helped us create a coveted workplace where everyone feels like they belong. Our global team is made up of more than 1,200 talented and passionate individuals in more than 20 countries around the world. Job responsibilities Participate in audit activities from planning to reporting by engaging with colleagues and stakeholders to evaluate and report on the design and operating effectiveness of management's controls Communicate audit findings to management and identify opportunities for improvement Create and maintain collaborative working relationships with stakeholders, while providing independent challenge Accelerate your career development by participating in immersive learning, coaching and mentoring opportunities. Foster meaningful relationships with team members and a culture that encourages integrity, respect, excellence and innovation Remain up to date with evolving industry and regulatory developments impacting the firm Seek efficiencies in the audit process through automation Required qualifications, capabilities and skills 2+ years of internal or external auditing experience, or relevant business experience Bachelor's degree (or related financial experience) in Accounting, Finance, or related discipline Understanding of internal control concepts with the ability to evaluate and determine the adequacy of control design and operating effectiveness Ability to effectively and efficiently execute audit testing and complete audit workpaper documentation Adaptive to changing business priorities and ability to multitask in a constantly changing environment Preferred qualifications, capabilities and skills Prior experience with Big 4 accounting firm and/or internal audit department in financial services industry is a plus CPA, CIA, CISA and/or Advanced Degree in Technology, Finance or Accounting Excel or Alteryx skills and experience with data analytics Specialized knowledge related to fiduciary risk, anti-money laundering, model risk, or other areas of specialization is a plus. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment/work visa at this time (including but not limited to H1B, H4 - EAD, OPT, TN, or L visas).

Are you passionate about transforming data into actionable insights that drive business growth? Join our dynamic team in CIB Marketing Analytics, where you'll be the digital marketing analytics expert supporting Payments, Global Banking, and Markets and Securities Services GTM activations and marketing initiatives. Job Responsibilities: Dive deep into web analytics and user journey analysis on jpmorgan.com to understand customer behavior and optimize conversion paths. Map user journeys, analyze engagement metrics (bounce rate, time on site, scroll depth), and pinpoint opportunities for site and campaign improvement. Manage Adobe Analytics data pipelines to Databricks and utilize platforms like ContentSquare and 6sense for rich visitor-level insights. Build and maintain ThoughtSpot dashboards for executive stakeholders, and create custom metrics, segments, and dimensions in Adobe Analytics. Lead Claravine implementation to standardize campaign tracking across all business lines. Conduct thorough QA for new pages and campaigns, validating tracking codes, data layer implementations, and CTA naming conventions before launch. Analyze paid media performance across social, programmatic, search, and display channels. Deliver executive-ready reports, dashboards, and strategic recommendations to guide future marketing investments. Partner with web development teams across Global Banking, Markets and Securities Services, and Payments to define analytics requirements. Work cross-functionally with social media, paid media, content, and email marketing teams to deliver quarterly insights and recommendations to senior leadership. Required qualifications, capabilities and skills- 3-5 years' experience with Adobe Analytics (workspace analysis, segments, calculated metrics, API integrations), SQL for data extraction and analysis, and dashboard creation using Tableau or similar visualization tools. Familiarity with marketing analytics platforms such as ContentSquare and ThoughtSpot, web debugging tools, and data engineering concepts (ETL, data quality management). Demonstrated ability to analyze digital marketing campaigns across paid social, programmatic, search, display, and email channels. Skilled in user journey mapping, conversion optimization, and website A/B testing. Proficient with key marketing metrics (CTR, CPL, CPC, CPM, ROAS, engagement, bounce rate, time on site) and marketing technology stacks (tag management, attribution tools, CDPs). Expert at translating complex data into clear, actionable insights for executive audiences. Strong presentation and reporting skills, with the ability to manage multiple projects simultaneously. Self-motivated, collaborative, growth-oriented, detail-focused, adaptable, and an excellent communicator. Experience with Content Square, Claravine, Python, cookie consent/privacy regulations (GDPR, CCPA), Databricks or Spark, and marketing automation platforms such as Marketo or Salesforce Marketing Cloud. Preferred qualifications, capabilities and skills: Experience in financial services or B2B marketing is preferred. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans Base Pay/Salary Jersey City,NJ $104,500.00 - $150,000.00 / year

J.P. Morgan Asset & Wealth Management, with client assets of $2.8 trillion, is a global leader in investment and wealth management. Its clients include institutions, high-net-worth individuals, and retail investors in every major market throughout the world. The division offers investment management across all major asset classes including equities, fixed income, alternatives, multi-asset, and money market funds. For individual investors, the business also provides retirement products and services, brokerage and banking services including trusts and estates, loans, mortgages, and deposits. J.P. Morgan Wealth Management serves clients across the entire wealth spectrum. It includes three lines of business the Private Bank, J.P. Morgan Securities, and Chase Wealth Management. The Wealth Management Annuity and Life Insurance organization lives at the intersection of goals-based planning and delivering improved lifestyle outcomes. Our products, tools, and thought leadership are designed to help strengthen our client's financial health and achieve peace of mind by offering tax-advantaged asset growth, guaranteed income, and financial security for their families and businesses. Job Responsibilities: The Annuity Specialist Associate will support the growth and development of the Annuity business, through partnerships with teams and advisors across Wealth Management channels at J.P. Morgan. This role will be responsible for leading proactive annuity sales and product training and planning engagement within a Division of our Chase Wealth Management business and requires coordination across functions with external Practice Leads to deliver a world-class offering and client experience. The ideal candidate will have both a strong sales and annuity product background. Own and manage a divisional sales territory as the main point of contact for annuity sales support and education at JP Morgan Chase. Collaborate with external carrier partners to drive annuity events and advisor calls in the promotion of annuity distribution. Present virtually or in person at advisor or market events on timely annuity topics Lead weekly Market Director calls, engaging advisors in annuity planning strategies and product education. Develop annuity product sales initiatives and strategies with the internal sales teams to deepen advisor's education and utilization of annuities in their practice. Work proactively with advisors to set up meetings on case development, out of surrender book reviews, competitive analysis, and sales consulting. Maintain strong relationships with field management, while catering product insight to correlate directly with current investment themes and market conditions. Partner with advisors to identify planning needs and sales opportunities with our carrier wholesaler partners in the field. Required Qualifications, Skills and Capabilities: 5+ years of experience working with advisors within the financial services industry Strong verbal and written communication skills Research and analysis skills, with the ability to synthesize and interpret data Must be able to demonstrate flexibility and adaptability and the ability to work under pressure Stresses critical thinking and logic when problem-solving; can think creatively and “out of the box” Organizational and time management skills; ability to manage multiple priorities Ability to operate effectively in a matrix management model Strong MS PowerPoint and MS Excel skills Series 6 & 63 ( can be obtained within 180 days of starting) Preferred Qualifications, Skills and Capabilities: Bachelor's degree strongly preferred or equivalent work experience Excellent relationship-building and communication skills Ability to multi‐task and work in a fast-paced team environment Self‐driven and independent worker with a sense of urgency and drive towards results Life and Health Insurance license, willingness to take exams within the required timeframe J.P. Morgan Wealth Management Solutions comprises a workforce of more than 1300 professionals spanning across 20 cities globally. Within WM Solutions, diversity is not only a fundamental necessity, but a business imperative and we are committed to building an equitable workforce that represents the communities we serve. We understand the importance of inclusion, work-life balance, and our robust benefits (including comprehensive parental leave offerings, inclusive family building programs, and discounted childcare) reflect the wide-ranging needs of our increasingly diverse workforce. WM Solutions also fosters a culture of active engagement in our Business Resource Groups (BRGs), which serve as supportive networks for employees to share, develop and create community together.

Senior Executive Underwriter - UW07EC Executive Underwriter - UW07ED Senior Underwriter - UW08EA We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. UPDATED 11/14/2025: Added Hartford, CT and Morristown, NJ offices as additional locations We're in the business of helping people achieve amazing things by protecting the things that matter most. And you can help us when you join our team of underwriters. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests. Your underwriting career here means collaboration, inclusivity, innovative thinking and so much more. Here, doing things the way they've always been done isn't a part of the job. Here, you'll be putting your creative insights to work with other underwriters and leaders, having a seat at the table with key decision makers. And you'll have any number of opportunities for your career to grow in whatever direction you choose. As a professional in the Cyber Risk and Technology E&O unit within Global Specialty Financial Lines at The Hartford, your primary role will be to underwrite and actively pursue new and renewal business, servicing the needs of our brokerage partners on an account-by-account basis. We'll Be a Good Match if You Have: * A customer-first mindset, putting our customers at the center of everything you do. * A passion for making decisions through both analyzing data and employing critical thinking skills. * A team spirit and desire to work collaboratively. * A financial mindset to help make the best decisions. * Ability to own our work and following through on commitments. * Ability to decipher and execute within a fluid and changing business environment. * An understanding of how to build relationships and trust among diverse groups. * The ability to advance their careers into technical OR leadership positions Qualifications: * Bachelor's Degree preferred, or equivalent combination of education, training and experience * 4+ years of Cyber, Tech E&O, and Excess underwriting or marketing experience. * Demonstrated success in developing and maintaining solid relationships with all internal and external business partners. * Excellent communication, interpersonal and presentation skills. * An ability to think analytically about business problems, make recommendations and propose solutions. * High energy self-starter, who is resilient and has an entrepreneurial spirit. * Demonstration of solid time, organizational, and desk management skills. * Goal-oriented and delivers outcomes. * Ability to challenge the status quo and compete to win. * Superior technical knowledge and sound decision-making and analytical skills. * Valid driver's license as a company pool car may be provided. * Job title and level will be determined after careful review of the selected candidate's qualifications* Location: This role will have a Hybrid work arrangement, with the expectation of working one of the posted offices (Chicago, IL; Frisco, TX; Hartford, CT; or Morristown, NJ) three days a week (Tuesday through Thursday). Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $101,200- $204,000 The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience. Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us | Our Culture | What It's Like to Work Here | Perks & Benefits

Mount Laurel, New Jersey, United States of America **Hours:** 40 **Pay Details:** $95,264 - $155,376 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. **Line of Business:** Analytics, Insights, & Artificial Intelligence **:** **Why Work with Us?** At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact - both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program - it's about creating a culture of compliance that will cascade throughout the organization. **The Ideal Candidate** The ideal candidate will thrive in a fast-paced setting as we build a new compliance structure that aligns with the bank's size, complexity, and risk profile. In this role, you'll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future. Beyond technical expertise, we're looking for someone with an entrepreneurial mindset-someone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure. Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you'll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards. **Department Overview** The TD Bank Fair Banking & Compliance Analytics Team is seeking a skilled professional to perform complex data integrity reviews within deadlines to ensure the accuracy and completeness of Home Mortgage Disclosure Act (HMDA) Loan Application Register (LAR) data prior to annual filing to the Consumer Financial Protection Bureau (CFPB). You will leverage your HMDA background to produce accurate reporting of findings identified in data integrity reviews which are provided to Senior Management across Business and Compliance Teams. Additionally, you will provide HMDA compliance support to Residential Lending, Small Business & Commercial, and/or Capital Market business lines and partner with the Compliance Unit Advisory teams to present objective guidance to the business lines promoting strong Compliance controls and processes that are in effect to mitigate inherent associated risk. Additional responsibilities will include assisting in response to periodic examinations by regulatory agencies and internal audit, ad-hoc requests related to the HMDA LAR, business specific inquiries and reviewing policies, procedures, and other business line documents to ensure compliance with regulatory requirements. **The above details are specific to the role which is outlined in the general description below. Please review Desired Skills & Experience below as you consider this opportunity.** _Our team currently operates under a hybrid work model, with employees expected to work in the office two days per week. Starting in November 2025, this expectation will increase to four days per week. Please note that, due to limited office space, the exact timing of this transition may vary depending on availability and individual circumstances._ **Job Description Summary:** The Business Insights Specialist is responsible for conducting analyses on curated and/or aggregated DataMart's in conjunction with deep business subject matter expertise, to generate relevant analytical insights for business issues and identify opportunities to drive business growth and value. This role works in partnership with business leaders to present or generate appropriate insights including the delivery of supporting collateral and/or presentations. **Depth & Scope:** + Works autonomously and accountable for acting as a lead within a specialized business management function and may provide work direction to others + Provides seasoned specialized knowledge, advice and/or guidance to various stakeholders and team members + Scope of role may have enterprise impact + Focuses on short to medium - term issues (e.g. 6-12 months) + Undertakes and completes a variety of complex projects and initiatives requiring specialist knowledge and/or the integration of cross functional processes within own area of expertise + Oversees and/or independently performs tasks from end-to-end + May interact with any hierarchy level up to executive leaders and external vendors **Education & Experience:** + Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience, or; + 5+ year of relevant experience; higher degree education and research tenure can be counted **Desired Skills & Experience:** + Advanced knowledge of HMDA reporting requirements strongly preferred + Advanced knowledge of Wiz SaaS strongly preferred. + Advanced knowledge of Encompass strongly preferred. + Proficiency in Microsoft Office applications. Advanced Excel strongly preferred. + Solid knowledge of Residential Lending and/or Small Business/Commercial Lending compliance advisory standards, procedures, laws, rules, regulations and controls + Solid knowledge of broader enterprise lending platforms (i.e. Encompass, nCino, Fidelity) and data sources with ability to interpret data + Skill in using analytical software tools, data analysis methods and reporting techniques + Ability to pay high attention to details and deliver under tight timeframes with multiple key stakeholders with different needs/requirements + Strong written and verbal communication skills including a demonstrated ability to clearly provide reports that identify and quantify risk + Ability to work independently and prioritize and manage own workload to deliver quality results and meet assigned timelines **Customer Accountabilities:** + Leads on the interpretation of complex business issues, generates multifaceted insights and identifies opportunities to help drive business growth or address business/enterprise needs + Presents and communicates generated insights and recommended business actions to stakeholders/business leaders in an easily digestible manner, leveraging tools/techniques/methods to produce a variety of visualizations/presentations that fit the audience + Acts as the primary interface with business to bridge and translate business requirements to analytics and reporting needs for a given domain/business + Applies collaborative and strong stakeholder management approach to constructively influence and persuade stakeholders and partners where appropriate + Serves as an authority on a given business domain and provides business expertise to place context around analytics discovery and inform recommendations + Escalates data/process related problems and communicates to relevant teams in a timely manner and makes recommendations for resolution + Provides day-to-day support and delivery of analytics **Shareholder Accountabilities:** + Represents functional area as a business insights & analytics specialized expert + Synthesizes complex and vast amount of information and translates into actionable insights and strategy + Builds business requirements and facilitates project execution to develop insights + Collaborates with partners on business challenges and delivers fact-based analytical advice that aligns to strategy and drives shareholder value + Identifies opportunities for business growth within a specific business or function by identifying potential use cases and value drivers + Utilizes both quantitative and qualitative methodologies to interpret and present data effectively and clearly + Works directly with the business teams to gather the demand for analytics and work with the analytics hub to fulfill the analytics demand + Provides business explanation for anomalies/outliers identified during analysis + Works with business functions and analytics teams to transition business requirements to analytics requirements + Trains business users on how to integrate analytics into decisions + Leverages knowledge of data capabilities to build and deliver insights + Develops analysis to corroborate initial proof of concept + Executes on data requests accurately and within a timely manner + Identifies and investigates data/analytics related issues + Ensures business operations are in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) + Leads/facilitates and/or implements action/remediation plans to address performance/risk/governance issues + Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements + Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts + Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite **Employee/Team Accountabilities:** + Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest + Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit + Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques + Participates in personal performance management and development activities, including cross training within own team + Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities + Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices + Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships + Contributes to a fair, positive and equitable environment that supports a diverse workforce + Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally **Physical Requirements:** Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% + Domestic Travel - Occasional + International Travel - Never + Performing sedentary work - Continuous + Performing multiple tasks - Continuous + Operating standard office equipment - Continuous + Responding quickly to sounds - Occasional + Sitting - Continuous + Standing - Occasional + Walking - Occasional + Moving safely in confined spaces - Occasional + Lifting/Carrying (under 25 lbs.) - Occasional + Lifting/Carrying (over 25 lbs.) - Never + Squatting - Occasional + Bending - Occasional + Kneeling - Never + Crawling - Never + Climbing - Never + Reaching overhead - Never + Reaching forward - Occasional + Pushing - Never + Pulling - Never + Twisting - Never + Concentrating for long periods of time - Continuous + Applying common sense to deal with problems involving standardized situations - Continuous + Reading, writing and comprehending instructions - Continuous + Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. \#LI-AMCBCorporate **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (*************************************** **Additional Information:** We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. **Colleague Development** If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. **Interview Process** We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at *************** . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.