Collections specialist jobs in West Sacramento, CA

Job DescriptionBenefits: 401(k) matching Bonus based on performance Dental insurance Health insurance Paid time off Training & development Vision insurance JOB OVERVIEW: We are seeking a skilled and experienced Billing Coordinator to join our team at Your Home Assistant. As a Billing Coordinator, you will play a crucial role in completing complex activities associated with maintaining accurate and complete billing and accounts receivable records. Review appropriate reports to ensure billing data accuracy. Resolve billing discrepancies regularly. Ensure eligibility is verified regularly and accurately maintained and followed up accordingly to prevent lost revenue. RESPONSIBILITIES: Work within the scope of the position, in coordination with management, to meet the needs of our patients, families and professional colleagues. Accurately enter patient/customer billing data and charge accordingly Ensure that all potential payers have been identified, verified, and entered accurately into the computer system prior to submission of billing and within deadlines per company policies and procedures. Ensure that insurance-related documentation is secured, completed, reviewed, accurate, and submitted per company and state requirements. This includes election, certifications, and authorization-related documentation required for billing. Maintain tracking tools and diaries to ensure that all necessary information is secured for timely accurate payment. Alert appropriate management team members regarding late or missing documents required for billing. Perform and ensure regular review and resolve discrepancies of accounts receivables according to Company procedures, policy, internal controls, and payer requirements. Establish and maintain positive working relationships with patient/clients, payors, and other customers. Maintain the confidentiality of patient/client and agency information at all times. Assure for compliance with local, state and federal laws, Medicare regulations, and established company policies and procedures, including published manuals and responsibility matrixes Meet or exceed delivery of Company Service Standards in a consistent fashion. Interact with all staff in a positive and motivational fashion supporting the Companys mission. Conduct all business activities in a professional and ethical manner. The above statements are intended to be a representative summary of the major duties and responsibilities performed by incumbents of this job. The incumbents will be requested to perform job-related tasks other than those stated in this description. QUALIFICATIONS Minimum age requirement of 18. High School graduate or GED required. Two years experience in healthcare data entry, preferably in homecare Cal-Aim, Tri-west, Long Term Care Insurance experience preferred Two-year degree in accounting or equivalent insurance/bookkeeping preferred Strong computer skills, including Word, Excel, and PowerPoint. Strong analytical skills, organized work habits and proven attention to detail. Excellent communication skills, ability to work independently and in a team environment. Good customer relation skills. Ability, flexibility and willingness to learn and grow as the company expands and changes. Demonstrated leadership ability to initiate duties as required. Plan, organize, evaluate, and manage PC files and Microsoft Office. Compliance with accepted professional standards and practices. Ability to work within an interdisciplinary setting. Satisfactory references from employers and/or professional peers. Satisfactory criminal background check. Self-directed with the ability to work with little supervision. Flexible and cooperative in fulfilling all obligations. Job Type: Full-time Benefits: 401(k) matching Dental insurance Health insurance Life insurance Paid time off Vision insurance Schedule: 8 hour shift Day shift Monday to Friday Ability to Relocate: Elk Grove, CA 95758: Relocate before starting work (Required) Work Location: In person

Salary: $32.81 - $40.99/hour; $5,687.07 - $7,104.93/month; $68,244.80 - $85,259.20/year. Department: Treasurer/Tax Collector Job Type: Open. Date Opened: 11/25/2025 8:00:00 AM. Filing Deadline: Open Until Filled Employment Type: * Permanent/Full Time (40 hrs/week) Work Location: * Roseville, CA and surrounding areas HR Analyst: Jed Stephenson. View this Recruitment: Collection Agent - Senior - #2025-14883-01

AssetMark is a leading wealth management platform dedicated to empowering independent financial advisors. Our mission is to enable financial advisors to make a profound difference in the lives of their clients. Over 10,000 advisors rely on AssetMark for our investment solutions, innovative technology, advanced services and expertise to help them grow their businesses. The Job/What You'll Do: We are searching for someone to bring a continuous improvement and controllership mindset to a growing asset management company. The right candidate will be a proven self-starter with an owner/operator mentality who must bring strong ownership and accountability to our organization. The successful candidate will bring a strong technology, risk, audit, and compliance mindset, excellent oral and written communication skills, and a passion for excellence. The Senior Billing Risk and Systems Analyst is responsible for conducting audits, strengthening control frameworks, and performing risk assessments to ensure the accuracy, completeness, and integrity of billing processes. This role collaborates closely with the Billing Implementation Manager, Billing Operations, and Product & Engineering teams to drive improvement projects, automate manual processes, and enhance operational efficiency within billing and revenue operations. Additionally, the Senior Billing Risk and Systems Analyst supports M&A integration, provides actionable insights to improve client experience and mitigate organizational risk, and fosters a strong risk-aware culture across the organization. This is a full-time position in our Concord, CA office with a hybrid work schedule. Responsibilities: Lead pre-billing audits to ensure the accuracy of billing inputs into the billing system Monitor and fix daily billing import errors Complete quarterly audits to validate the accuracy and reasonableness of custodial partner billing. Maintain data integrity and accuracy within the billing system and reports Oversee end-to-end controls to ensure the completeness and accuracy of all billing activities in the billing system Conduct ongoing risk assessments, identifying key risks and recommending appropriate control measures Oversee the effectiveness of risk controls, monitor performance, and implement improvements as needed Promote a strong risk-aware culture through consistent communication, training, and best practices Partner with the Billing Implementation Manager in billing improvement initiatives and defect fixes, ensuring they are properly prioritized, thoroughly tested, and successfully implemented Support the Billing Operations Manager and the Billing Implementation Manager on mergers & acquisitions and consolidation projects within the AssetMark billing system Collaborate with cross-functional teams to identify operational, financial, regulatory, and reputational risks Facilitate comprehensive reviews of client experience cases, identify root causes and trends, and provide actionable recommendations to Platform Revenue leaders Knowledge, Skills, and Abilities: Strong aptitude for rapidly understanding and mastering new technologies or systems Prior external or internal audit experience Deep knowledge of the TAMP industry, particularly platform-based or advisory fee/management fee structures Knowledge of financial services regulatory requirements preferred Ability to articulate clear messages and concise instructions through oral and written communication Strong prioritization and organizational skills Proven ability to build cross-functional relationships, especially with Sales, Legal, and Finance teams. Ability to manage multiple priorities and work with a high degree of independence and accountability. Ability to assess and minimize risk to organization Outstanding Customer Focus - seeing the “bigger” picture and the ability to always identify what is in the best interest of the client and the firm Education & Experience: Bachelor's degree or equivalent experience required 5+ years' financial services experience required Compensation: The Base Salary range for this position is between $90,000-$100,000. This information reflects a base salary range that AssetMark reasonably expects to pay for the position based on a number of factors which may include job-related knowledge, skills, education, experience, and actual work location. This position will also be eligible for additional variable incentive compensation and competitive benefits. Candidates must be legally authorized to work in the US to be considered. We are unable to provide visa sponsorship for this position. #LI-CR1 #LI-hybrid Who We Are & What We Offer: We are AssetMark, a company on the move, shaping the future of financial services. Growth is in our DNA. Every day, we combine technology, insight, and collaboration to create new possibilities for advisors, for our people and for our investors. At AssetMark your ideas matter; they're heard, valued, and drive meaningful change. Join a team that sets new standards and creates space for you to thrive and do your best work. Our Mission Our mission is simple: to help our 10,500+ financial advisors make a meaningful difference in their clients' lives. We do this by combining powerful technology, holistic support, and expert consulting to help advisors run stronger, more efficient businesses. Backed by a comprehensive suite of investment solutions and a trust company that boasts of $150B+ AUM, our platform empowers advisors to deliver exceptional service and an outstanding client experience. Our Values Heart. Client Success. Integrity. Respect. Excellence. Our values are how we show up every day. We believe in: Leading with Heart, in truly making a difference in the lives of others: teammates, clients, investors and communities. Obsessing over Client Success, bringing a relentless focus on what matters to clients that sets us apart and creates loyal, lasting relationships. Unyielding Integrity, doing what's right, always. Even when it's hard. Collective Respect, in being authentic, inclusive and valuing all voices while winning together. Operating with Excellence, in learning fast, continuously improving, innovating and collaborating to find new and better solutions. These values shape our culture, guide our decisions, and define what it means to be part of the AssetMark family. Our Culture & Benefits Our culture brings our mission and values to life. Here, we do what's right, embrace diverse ideas, and innovate together. We also offer a wide range of benefits to support you and your family-because thriving at work starts with thriving in life. Flex Time or Paid Time Off and Sick Time Off 401K - 6% Employer Match Medical, Dental, Vision - HDHP or PPO HSA - Employer contribution (HDHP only) Volunteer Time Off Career Development / Recognition Fitness Reimbursement Hybrid Work Schedule As an Equal Opportunity Employer, AssetMark is committed to building a diverse and inclusive workplace where everyone feels valued.

Apply Description Billing Coordinator Folsom Oral Surgery and Implant Center - Folsom, CA Proudly supported by Mosaic Dental Collective Dr. Gregory G. Olsen, DDS, FOSIC, part of the Mosaic Dental Collective, is looking for a friendly, organized, and people-focused Billing Coordinator to join our team in Folsom, CA. If you're the kind of person who loves connecting with others, enjoys staying organized, and can bring great energy to each day-you'll feel right at home here. As the first smile patients see and the voice that sets the tone, you'll be an essential part of making every visit smooth and welcoming. Our front office runs on teamwork, communication, and positivity-and with the support of Mosaic Dental Collective, you'll have everything you need to thrive and grow in your career. Schedule: Monday-Friday Pay: $22-$27/hr, depending on experience What You'll Do Verify patient insurance eligibility and coverage Submit insurance claims Follow up on unpaid or denied claims and file appeals as needed Post insurance and patient payments; handle adjustments and refunds Generate patient statements and manage accounts receivable Communicate with patients regarding balances, payment plans, and billing questions Other front office duties What We're Looking For 2+ years dental billing/insurance coordinating experience Specialty experience is a plus! A strong communicator who's helpful, kind, and patient-focused Comfortable with scheduling software Attention to detail and a love for keeping things organized Someone who's team-oriented and excited to contribute Why You'll Love It Here Competitive pay and full benefits (medical, dental, vision, 401k) Paid time off and holidays A relaxed, respectful work environment where you're truly valued Career growth opportunities with Mosaic's support and resources A role where your people skills and positive spirit really matter This isn't just a desk job-it's a chance to be part of a place where care, connection, and community come first. If that sounds like you, let's chat. **If interested, please reach out to Andrea Iobst at ********************************* Note: This job description is intended to convey information essential to understanding the scope of the Front Office Coordinator position. It is not exhaustive and may be subject to change or modification to meet the needs of the dental practice .

At NorthBay Health, the Coordinator, Denial Management is responsible for the monitoring, analytics, reporting, and coordination of pro-fee health care claims denials and underpayments. The incumbent will work with the PFS division, practice operations, providers, and other facility staff to create reports, monitor trends, and provide feedback and/or training, as well as corrective oversight for billing, coding, and contracts as determined based on claim denials, edits, and underpayments. The purpose of obtaining appropriate reimbursement under contract or related government fee schedule. Qualifications Education: Associate's degree preferred, or an equivalent combination of education and/or at least 3 years of related experience. Licensure/Certification: All new hires will be required to complete the HFMA Certified Revenue Cycle Representative (CRCR) training course within the first nine (9) months of employment. Membership, training, and certification costs will be sponsored by the employer. Experience 5 years of experience in professional/hospital billing, with in-depth knowledge of CPT, ICD, and HCPCS coding. Understanding of payer contracts, payment structures, and federal/state regulations. Proficiency with compliance laws and collection laws. Skills Excellent oral and written communication skills. Proficiency in PC applications and Microsoft Office Suite, especially Excel. Strong analytical skills with attention to detail. Skilled in training and providing education to staff. Strong organizational skills. Interpersonal Skills Demonstrates the True North values. The True North values are a set of value-based behaviors that are to be consistently demonstrated and role modeled by all employees that work at NorthBay Health. The True North values principles consist of Nurture/Care, Own It, Respect Relationships, Build Trust and Hardwire Excellence. Ability to prioritize tasks and communicate delays effectively. Communicate clearly across all organizational levels. Collaborate effectively with team members for professional communication and inclusion. Compensation: $32 to $39 per hour based on years of experience doing the duties of this role.

**At Cardinal Health, we're developing the innovative products and services that make healthcare safer and more productive. Join a growing, global company genuinely committed to making a difference for our customers and communities.** **What Account Management contributes to Cardinal Health:** Account Management is responsible for cultivating and maintaining on-going customer relationships with an assigned set of customers. Provides new and existing customers with the best possible service and recommendations in relation to billing inquiries, service requests, improvements to internal and external processes, and other areas of opportunity. Provides product service information to customers and identifies upselling opportunities to maintain and increase income streams from customer relationships. **Responsibilities:** + Oversee assigned Medical Products and Distribution customer(s) as it pertains to supply chain health and general service needs + Bridge relationships between the customer's supply chain team and internal Cardinal Health teams to ensure flawless service + Support customer expectations and requirements through proactive account reviews, and regular engagement and review of key initiatives + Prevent order disruption to customer through activities such as: elimination of potential inventory issues, substitution maintenance, core list review, and product standardization and conversions + Resolve open order issues by reviewing open order and exception reports, analyzing trends, and partnering with customer to take alternative actions as needed. + Advocate for customer and partner across Cardinal Health servicing teams to bring rapid and effective resolution to customer's issues, requests and initiatives + Track, measure, and report key performance indicators monthly + Identify opportunities for process improvement and implement solutions to enhance efficiency, quality, and overall performance + Build and maintain long-term trusted relationships with customer to support retention and growth of the account **Qualifications:** + Bachelor's degree in related field, or equivalent work experience, preferred + 2-4 years of professional experience; direct customer-facing experience, preferred + Strong knowledge of MS Office applications (Excel, PowerPoint, Word and Outlook), preferred + Demonstrated ability to work in a fast-paced, collaborative environment, preferred + Highly motivated and able to work effectively within a team, preferred + Strong communication skills with the ability to build solid relationships and deliver high quality presentations, preferred + Ability and willingness to travel occasionally, as business needs require is preferred **What is expected of you and others at this level:** + Applies working knowledge in the application of concepts, principles, and technical capabilities to perform varied tasks + Works on projects of moderate scope and complexity + Identifies possible solutions to a variety of technical problems and takes actions to resolve + Applies judgment within defined parameters + Receives general guidance may receive more detailed instruction on new projects + Work reviewed for sound reasoning and accuracy **Anticipated salary range:** $57,000.00 - $81,600.00 **Bonus eligible:** No **Benefits:** Cardinal Health offers a wide variety of benefits and programs to support health and well-being. + Medical, dental and vision coverage + Paid time off plan + Health savings account (HSA) + 401k savings plan + Access to wages before pay day with my FlexPay + Flexible spending accounts (FSAs) + Short- and long-term disability coverage + Work-Life resources + Paid parental leave + Healthy lifestyle programs **Application window anticipated to close:** 1/18/2026 *if interested in opportunity, please submit application as soon as possible. The salary range listed is an estimate. Pay at Cardinal Health is determined by multiple factors including, but not limited to, a candidate's geographical location, relevant education, experience and skills and an evaluation of internal pay equity _Candidates who are back-to-work, people with disabilities, without a college degree, and Veterans are encouraged to apply._ _Cardinal Health supports an inclusive workplace that values diversity of thought, experience and background. We celebrate the power of our differences to create better solutions for our customers by ensuring employees can be their authentic selves each day. Cardinal Health is an Equal_ _Opportunity/Affirmative_ _Action employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, ancestry, age, physical or mental disability, sex, sexual orientation, gender identity/expression, pregnancy, veteran status, marital status, creed, status with regard to public assistance, genetic status or any other status protected by federal, state or local law._ _To read and review this privacy notice click_ here (***************************************************************************************************************************

What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs. Join us and play your part in something special! The primary purpose of this position is to underwrite new business and renewals in a profitable manner and according to authority level and established guidelines, and participate in special projects having an impact on the business. Assigned larger and more important agents/brokers. Utilize underwriting tools to determine accurate classifications, rates, and premium charges. Understand state laws, including cancellation and non-renewal, within assigned territory to properly transact business within each state. Knowledgeable in coverage forms and policy language; appropriate utilization of forms and exclusions. Assist with resolving premium audit disputes within assigned agents/brokers. Able to provide coaching to others. What you'll be doing: * Profitably underwrite existing wholesale and retail inland marine business and new business to include reviewing, analyzing, accepting, and declining risks; * Proactively communicate with regional managers and national inland marine product line leaders on individual accounts, current and proposed producers; * Inform business decisions by making recommendations concerning operations, systems and procedures; * Review submissions and identify exposure and risk from information provided; * Review terms, conditions and pricing; * Implement corrective measures on renewal accounts as needed; * Provide training or technical assistance to department underwriting staff; * Monitor producers for profitability and production. What we're looking for: * Four-year college degree preferred; * Minimum of 3 years current dual distribution (wholesale and retail) inland marine experience; * Demonstrated technical knowledge and skills reflective of progression of positions of increasing responsibility; * Experience in the wholesale channel with established producer relationships; * Demonstrated marketing and relationship building skills; * Excellent oral and written communication skills; * Strong analytical and organizational skills; * Team player that enjoys a flexible and spontaneous business environment; * Up to 25% travel in the West US. #LI-Hybrid #LI-AB US Work Authorization US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future. Pay information: The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, demonstrated competencies, geographic location, and other factors. The base salary range for the Account Specialist is $74k - $102k with a 20% bonus, the Sr. Account Specialist position is $104k - $143k/year with a 25% bonus potential. Who we are: Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world. We're all about people | We win together | We strive for better We enjoy the everyday | We think further What's in it for you: In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work. * We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life. * All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance. * We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave. Are you ready to play your part? Choose 'Apply Now' to fill out our short application, so that we can find out more about you. Caution: Employment scams Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that: * All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings. * All legitimate communications with Markel recruiters will come from Markel.com email addresses. We would also ask that you please report any job employment scams related to Markel to ***********************. Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. Should you require any accommodation through the application process, please send an e-mail to the ***********************. No agencies please.

Located in the metropolitan area of Sacramento, the Adventist Health corporate headquarters have been based in Roseville, California, for more than 40 years. In 2019, we unveiled our WELL-certified campus - a rejuvenating place for associates systemwide to collaborate, innovate and connect. Adventist Health Roseville and shared service teams have access to enjoy a welcoming space designed to promote well-being and inspire your best work. Job Summary: Communicates with patients, government agencies and third party payers to gather, process and record information to receive appropriate reimbursement. Communicates with departments for charge information, coding updates, and other information for claim appeals. Completes billing and collection processes and prepares for distribution to appropriate sources. Review unpaid claims and obtain necessary information to resolve reimbursements. Acts as a resource for billing follow up associates for more complex claims. Checks own works and possibly the work of others. Job Requirements: Education and Work Experience: * High School Education/GED or equivalent: Preferred * Associate's/Technical Degree or equivalent combination of education/related experience: Preferred * Two years' billing experience: Preferred Essential Functions: * Reviews, corrects and submits claims to payers. * Reviews unpaid accounts, initiates correct actions to collect the accounts, and follows up on action to assure expected results is achieved. * Performs follow-up of denials and/or errors and generates re-bills. Consistently meets or exceeds productivity and quality performance expectations. * Assists/supports staff as needed as a resource/lead person with office duties and functions each day * Provides general office support as needed. * Performs other job-related duties as assigned. Organizational Requirements: Adventist Health is committed to the safety and wellbeing of our associates and patients. Therefore, we require that all associates receive all required vaccinations as a condition of employment and annually thereafter, where applicable. Medical and religious exemptions may apply. Adventist Health participates in E-Verify. Visit ******************************************** for more information about E-Verify. By choosing to apply, you acknowledge that you have accessed and read the E-Verify Participation and Right to Work notices and understand the contents therein.

Full-time Description Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee. JOB SUMMARY: Under Managerial guidance: Coordinates repossession activities on consumer loans and analyzes to gain maximum financial recovery. ESSENTIAL FUNCTIONS: Fundamental Duties Coordinates repossession activities on exceptionally delinquent consumer loans and seeing through full process from planning acquisition, condition reporting, to liquidation of collateral; this includes working closely with outside partners to successfully execute each activity, while ensuring all activities are timely and compliant. Manages consumer purpose loan department administrative functions such as handling Servicemembers Civil Relief Act (SCRA) related calls, questions, and correspondence for active-duty military borrowers (including but not limited to requesting loan modifications, requesting and obtaining appropriate documentation, logging all active SCRA loan participants, and maintaining SCRA checklist). Compliance Specific: Maintains awareness of federal and state regulations applicable to designated areas of responsibility, stays current training, adheres to bank's compliance practices, supports implementation of necessary changes to policies, procedures, and controls to ensure ongoing adherence. Marginal Functions: Attends regulatory seminars and webinars related to assigned responsibilities. Completes other related responsibilities. MINIMUM KNOWLEDGE. PRIOR WORK EXPERIENCE. AND SKILLS NEEDED TO PERFORM JOB FUNCTIONS: 1-3 years of work experience in professional office environment Preferred experience in bank lending, consumer loans, collections, repossessions, or a related field Familiar with FDCPA and state regulations relating to collections and repossession activities Strong written and verbal communication skills, as well as interpersonal skills are required Excellent analytical and organizational skills with great attention to detail Self-motivated, able to work independently and as part of a team Continuous commitment to compliance and fair lending related to assigned responsibilities Working knowledge and experience using computer and Microsoft Office Applications Experience utilizing Microsoft Access for data analysis and reporting, preferred Regular on-site attendance required during business hours PHYSICAL DEMANDS: Sitting for extended periods of time while using computer Frequent hand, wrist, and finger movements for tasks such as keyboarding, data entry, and mouse use Continuous close visual work is required for tasks such as data analysis, computer use, and reading Frequent communication in-person and via-phone, talking and hearing for such interactions Occasional movement within the office is necessary to access files or office machinery Occasional light, pushing, and pulling (up to 20lbs) Occasional stooping and reaching Occasional standing and walking MENTAL DEMANDS: Continuously prioritizing multiple tasks and meeting deadlines while maintaining high level of compliance Continuously maintaining high levels of concentration Continuously applying analytical and organizational skills Ability to assimilate a great deal of financial data accurately and efficiently Ability to identify issues and/or determine when to report issues to management Professionally interact with and remind external customers of approaching deadlines and requirements ENVIRONMENTAL DEMANDS: Work in a climate-controlled building without exposure to extreme temperatures. Office environment typically has a moderate noise level. Work area has standard office ventilation and air quality, with no exposure to fumes, dust, or other potentially harmful atmosphere conditions. EOUIPMENT USED TO PERFORM FUNCTIONS: Computer Phone Common office equipment SUPERVISORY RESPONSIBILITY: None CONTACTS: Internal: All levels of personnel within organization External: Consumer loan customers, repossession and liquidation vendors EOE Westamerica Bank's Privacy Policy may be found at: ********************************* Salary Description $16.50 - $26.69

Job Description Credit & Collections Specialist (Temp-to-Hire) Industry: Construction Materials Wholesaler / Supplier Type: Temp-to-Hire We are seeking an experienced Credit & Collections Specialist to join our team in Concord, CA. This position is responsible for managing customer credit accounts, overseeing collections activities, and ensuring compliance with lien and credit laws related to the construction supply industry. The ideal candidate will have strong communication skills, attention to detail, and a proactive approach to resolving payment issues while maintaining positive customer relationships. Key Responsibilities Review and establish customer credit limits and terms based on credit applications and financial data. Manage and monitor accounts receivable aging; follow up on past-due accounts. Prepare and send preliminary lien notices, releases, and related documents in compliance with California pre-lien laws. Communicate with customers, project managers, and sales staff to resolve billing or payment discrepancies. Record and apply customer payments accurately in the accounting system. Maintain organized documentation of credit files, payment history, and collection activity. Assist in month-end AR reporting and support the accounting department as needed. Coordinate with management on delinquent accounts, payment plans, and potential write-offs. Qualifications 3+ years of experience in credit and collections, preferably within construction, distribution, or building materials industries. Working knowledge of California pre-lien and lien release processes. Strong proficiency in Microsoft Excel and accounting/ERP software (experience with Agility or PMSI a plus). Excellent communication and negotiation skills. Highly organized, detail-oriented, and able to manage multiple priorities. salary: $70,000-$90,000/year

We are seeking a detail-oriented Accounts Receivable & Billing Specialist to join our Sacramento based client. This role is responsible for ensuring accurate AR invoicing, health services billing and grant fund management. The ideal candidate will bring knowledge of managing all accounts receivable processing, including grant funding and county healthcare billing regulations in a mission-driven environment. Our client offers a collaborative, mission-driven workplace where your contributions directly support programs that strengthen families and empower youth. Employees enjoy professional growth opportunities, flexible scheduling, and the chance to make a meaningful impact in the community. Temp to Hire Hybrid role Pay range: $65k-$75k per year. PRIMARY RESPONSIBILITIES: Verify and maintain AR and billing accuracy, reviewing accounts receivable data, claims, and supporting documentation to ensure compliance with guidelines. Manage account resolution, including payment plans, monitoring aging reports, and recommending write-offs for past-due accounts. Handle claim denials and appeals, analyzing issues, preparing resubmissions, and coordinating with staff or payers for adjudication. Invoicing grant funders, tracking payments against grant agreements, managing grant documentation, reconciling revenue, following up on past-due funder payments, and ensuring compliance, reporting, and collaboration meet funder requirements. Support administrative processes, obtaining authorizations, financial agreements, and assisting with overpayments, refunds, and related documentation. Collaborate with stakeholders, interacting with staff, clients, payers, and agencies to answer questions and resolve issues. Promote team effectiveness, contributing through professionalism, positive attitude, innovation, and adherence to ethical standards. SKILLS AND QUALIFICATIONS: Minimum three years in accounts receivable, including healthcare billing and managing grant funds. Associate or bachelor's degree in accounting, finance, business administration, or related field preferred. Strong understanding of business management, accounting principles, organizational policies, and insurance regulations. Ability to accurately answer inquiries and build effective working relationships with staff, clients, and external partners. Skilled in budgeting, process administration, and applying regulatory requirements to daily operations. Exceptional attention to detail, time management, and ability to manage complex information accurately.

Job DescriptionDescription: Member Care Representative II (Collector II) Department: Member Care Reports to: Member Care Manager FLSA Classification: non-exempt Compensation: $24.00 - $30.36 per hour Job Summary: Member Care Representative II's primary responsibility is to collect payments on past due accounts, research and analyzes historical data on past due accounts and work with outside resources to resolve delinquent accounts and/or locate delinquent account members. Supervisory Responsibilities: None Duties/Responsibilities: Responsible for communicating effectively with credit union members to understand the reason for delinquency, resolve complicated collection issues, and negotiate/establish repayment withing defined guidelines. Educate member on proper payment processes by using resources such as SWBC (online payment portal), Bacon Loan Pay (web), Callipay (check by phone system) and mobile deposits. Responsible for processing debt protection claims and payments as required. Responsible for partnering with law enforcement agencies, judicial departments, attorneys, peer collectors, repossession agencies, auctions, vendors, and car dealers to minimize outstanding accounts. May handle Collateral Protection Insurance and processes debt collection claims. Responsible for conducting preliminary investigations on known or suspected fraud or straw purchases. Responsible for reviewing records, transactions to resolve misapplied payments; evaluate irregular and regular payments on delinquent accounts and determines how payment will be applied. Responsible for maintaining records to assign, monitor, and track repossessions; process, track, and monitor litigation files with legal counsel. May be responsible for processing and recording Bankruptcy Trustee Checks and balance collections general ledger. May be required to represent Credit Union at Small Claims/Court hearings. Adhere to all established credit union policies, procedures and guidelines including, but not limited to, FDCPA (Fair Debt Collection Practices Act), BSA (Bank Secrecy Act) policy, Elder Abuse, and procedures to complete Currency Transaction Reports, monitor for and report suspicious activity. May be required to work weekends and late-night shifts on a rotation basis. Performs other related duties as assigned. Required Skills/Abilities: Proficient in and understands Repossession Laws and regulations, Bankruptcy Chapter 7 & 13 Laws and Regulations, Post Judgements, and track Proof of Claims. Understand how to fully process a Notice of Intent to Sell Property and Notice After Sale of Collateral. Strong negotiation, interpersonal and customer service skills. Strong verbal and written communication skills. Strong organizational skills and attention to detail. Ability to use good judgement and critical thinking skills. Ability to function well in a high-paced and at times stressful environment. Education and Experience: High school diploma or equivalent required. Minimum two-three years prior collector experience required. Proficient knowledge of consumer lending. Physical Requirements: Prolonged periods of sitting at a desk and working on a computer. May require standing and walking 25% of the time, lifting up to a maximum of 50 pounds, and other physical actions that include stooping, kneeling, crouching, crawling, reaching, pulling, and pushing. May be required to work in an environment with high noise levels and unpredictable temperature and ventilation. The above information on this position has been designed to indicate the general nature and level of work to be performed by employees designated for this position. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, qualifications, or physical requirements. Central State Credit Union is an Equal Opportunity Employer. Requirements:

SUMMARY / DESCRIPTION Maintain daily accounting records by performing the following duties: Major responsibilities, discovering root cause analysis, validation, resolution and reporting of all customer deductions and collection of outstanding invoices. Complete understanding of collection/deduction process and the ability to identify opportunities to improve processes, increase efficiencies and support savings initiatives in warehousing, transportation, sales, etc. ESSENTIAL DUTIES AND RESPONSIBILITIES include but is not limited to the following: Responsibilities Contact Customer when their account is 15 days or more past due, via calls, emails or portals Maintain a spreadsheet for each Customer with detailed analysis of all open and resolved deductions Intermediate to advanced Excel knowledge necessary with the ability to manipulate & interpret to effectively research and reconcile complex Customer accounts. Run aging every Monday using v-lookup and pivots for all assigned accounts Manage complicated customer accounts through analysis, investigate and validations of deductions taken Prepare and submit back-up support documentation for deductions and adjustments on accounts Work effectively within the company to ensure records are updated and accurate. Contact Broker and or Sales when needed to insure that we have required supporting documentation Communicates regularly with internal departments, customers, distributors and freight companies, while maintaining a good rapport with all. Become an expert on managing multiple Customer Portals Must have a solid working knowledge of how to handle complex Customers The ability to run hold reports for all Customer groups and be able to identify if the order (s) should be released or remain on hold Be responsive to Customer, Management & Sales requests. Takes on additional responsibility as needed and being open to change Help identify opportunities for improvement for the AR Team Maintain current process documentation for your assigned responsibilities Other duties as assigned Inherent in each position is a general duty to maintain each respective work area in a safe and sanitary condition. Regular, predictable, full-time attendance is required as an essential function of this position. The employee may be required to perform other such duties within the scope of their employment as may be assigned. The employee must also possess the ability to take direction, follow instructions, work with others, follow work rules and schedules, and focus on details. SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities. QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Strong analytical and general quantitative skills. Excellent communication and interpersonal skills. Results oriented and strives for continuous improvement. EDUCATION and/or EXPERIENCE High School graduate with one (1) to three (3) years related experience and/or training; or equivalent combination of education and experience. LANGUAGE SKILLS Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization. MATHEMATICAL SKILLS Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of basic algebra. REASONING SKILLS Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. CERTIFICATES, LICENSES, REGISTRATIONS Not applicable. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and reach with hands and arms. The employee frequently is required to talk or hear. The employee is occasionally required to stand; walk; and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision. WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is occasionally exposed to moving mechanical parts. The noise level in the work environment is usually moderate. **All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.**

Job Description Kyo is a leading provider of therapy for individuals with autism. Our core service is Applied Behavior Analysis (ABA) therapy, a clinically proven form of therapy for autism. We serve thousands of families across eleven states and are growing rapidly to meet the need for services. Each day, our team seeks to make every moment count for our clients and for each other. Kyo's innovative and effective Administrative team works together to ensure the best possible experience for Kyo's current and future clients and teammates. We are seeking a part time (25 hrs/week) or full-time (40 hrs/week) Billing and Insurance AR Specialist to join our Revenue team. Please note, this position is in office Monday-Friday. Pay range: $20-$22 DOE RESPONSIBILITIES MAY INCLUDE, BUT ARE NOT LIMITED TO: Complete commercial and medical billing in an accurate and timely manner Contact insurance companies regarding denied claims Send appeals to insurance companies with appropriate documentation Contact insurance companies and patients with questions related to billing, contracting and credentialing Assist with other duties in the Revenue and Contracting department, including: financial analysis, copayments, payables, payment posting, reconciliation SKILLS AND QUALIFICATIONS: Associate's degree required; Bachelor's degree preferred or equivalent combination of education and experience 2+ years of experience in medical billing, credentialing or related field Understanding of finance fundamentals Demonstrated proficiency with productivity software (Microsoft Office or GSuite) Ability to work independently and as part of a team Experience with HIPAA and compliance-sensitive environments Strong multitasking, problem-solving, and prioritization skills in a fast-paced environment PHYSICAL REQUIREMENTS: Ability to sit and use a computer for extended periods Manual dexterity for computer use and documentation Ability to see and read documents in English, including handbooks, training materials, and procedure guides Why Join Kyo? Competitive compensation and opportunities for professional growth Paid vacation and holidays 401(k) retirement plan Comprehensive medical, dental, vision, and life insurance Cell phone stipend Employee Assistance Program (EAP) Supportive, collaborative team culture A mission-driven organization dedicated to improving lives To learn more about Kyo and the amazing work we do, please visit our website: ***************

Kyo is a leading provider of therapy for individuals with autism. Our core service is Applied Behavior Analysis (ABA) therapy, a clinically proven form of therapy for autism. We serve thousands of families across eleven states and are growing rapidly to meet the need for services. Each day, our team seeks to make every moment count for our clients and for each other. Kyo's innovative and effective Administrative team works together to ensure the best possible experience for Kyo's current and future clients and teammates. We are seeking a part time (25 hrs/week) or full-time (40 hrs/week) Billing and Insurance AR Specialist to join our Revenue team. Please note, this position is in office Monday-Friday. Pay range: $20-$22 DOE RESPONSIBILITIES MAY INCLUDE, BUT ARE NOT LIMITED TO: * Complete commercial and medical billing in an accurate and timely manner * Contact insurance companies regarding denied claims * Send appeals to insurance companies with appropriate documentation * Contact insurance companies and patients with questions related to billing, contracting and credentialing * Assist with other duties in the Revenue and Contracting department, including: financial analysis, copayments, payables, payment posting, reconciliation SKILLS AND QUALIFICATIONS: * Associate's degree required; Bachelor's degree preferred or equivalent combination of education and experience * 2+ years of experience in medical billing, credentialing or related field * Understanding of finance fundamentals * Demonstrated proficiency with productivity software (Microsoft Office or GSuite) * Ability to work independently and as part of a team * Experience with HIPAA and compliance-sensitive environments * Strong multitasking, problem-solving, and prioritization skills in a fast-paced environment PHYSICAL REQUIREMENTS: * Ability to sit and use a computer for extended periods * Manual dexterity for computer use and documentation * Ability to see and read documents in English, including handbooks, training materials, and procedure guides Why Join Kyo? * Competitive compensation and opportunities for professional growth * Paid vacation and holidays * 401(k) retirement plan * Comprehensive medical, dental, vision, and life insurance * Cell phone stipend * Employee Assistance Program (EAP) * Supportive, collaborative team culture * A mission-driven organization dedicated to improving lives To learn more about Kyo and the amazing work we do, please visit our website: ***************

**Remote Hours: Monday - Friday, 7:00 AM - 3:30 PM PST (or based on business need)** **_What Accounts Receivable Specialist contributes to Cardinal Health_** Account Receivable Specialist is responsible for verifying patient insurance and benefits, preparing and submitting claims to payers, correcting rejected claims, following up on unpaid and denied claims, posting payments, managing accounts receivable, assisting patients with payment plans, and maintaining accurate and confidential patient records in compliance with regulations like HIPAA. + Demonstrates knowledge of financial processes, systems, controls, and work streams. + Demonstrates experience working collaboratively in a finance environment coupled with strong internal controls. + Possesses understanding of service level goals and objectives when providing customer support. + Demonstrates ability to respond to non-standard requests from vendors and customers. + Possesses strong organizational skills and prioritizes getting the right things done. **_Responsibilities_** + Submitting medical documentation/billing data to insurance providers + Researching and appealing denied and rejected claims + Preparing, reviewing, and transmitting claims using billing software including electronic and paper claim processing + Following up on unpaid claims within standard billing cycle time frame + Calling insurance companies regarding any discrepancy in payment if necessary + Reviewing insurance payments for accuracy and completeness **_Qualifications_** + HS, GED, bachelor's degree in business related field preferred, or equivalent work experience preferred + 2 + years' experience as a Medical Biller or within Revenue Cycle Management preferred + Strong knowledge of Microsoft Excel + Ability to work independently and collaboratively within team environment + Able to multi-task and meet tight deadlines + Excellent problem-solving skills + Strong communication skills + Familiarity with ICD-10 coding + Competent with computer systems, software and 10 key calculators + Knowledge of medical terminology **_What is expected of you and others at this level_** + Applies basic concepts, principles, and technical capabilities to perform routine tasks + Works on projects of limited scope and complexity + Follows established procedures to resolve readily identifiable technical problems + Works under direct supervision and receives detailed instructions + Develops competence by performing structured work assignments **Anticipated hourly range:** $22.30 per hour - $32 per hour **Bonus eligible:** No **Benefits:** Cardinal Health offers a wide variety of benefits and programs to support health and well-being. + Medical, dental and vision coverage + Paid time off plan + Health savings account (HSA) + 401k savings plan + Access to wages before pay day with my FlexPay + Flexible spending accounts (FSAs) + Short- and long-term disability coverage + Work-Life resources + Paid parental leave + Healthy lifestyle programs **Application window anticipated to close:** 10/5/2025 *if interested in opportunity, please submit application as soon as possible. The hourly range listed is an estimate. Pay at Cardinal Health is determined by multiple factors including, but not limited to, a candidate's geographical location, relevant education, experience and skills and an evaluation of internal pay equity. _Candidates who are back-to-work, people with disabilities, without a college degree, and Veterans are encouraged to apply._ _Cardinal Health supports an inclusive workplace that values diversity of thought, experience and background. We celebrate the power of our differences to create better solutions for our customers by ensuring employees can be their authentic selves each day. Cardinal Health is an Equal_ _Opportunity/Affirmative_ _Action employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, ancestry, age, physical or mental disability, sex, sexual orientation, gender identity/expression, pregnancy, veteran status, marital status, creed, status with regard to public assistance, genetic status or any other status protected by federal, state or local law._ _To read and review this privacy notice click_ here (***************************************************************************************************************************

Job DescriptionDescription: Member Care Representative I (Collector I) Department: Member Care Reports to: Member Care Manager FLSA Classification: non-exempt Compensation: $22.00 - $27.38 per hour Job Summary: The Member Care Representative I's primary responsibility is collecting payments on past due accounts, researches and analyzes historical data on past due accounts; initiates contact with members by telephone, letter, or email to determine reasons for delinquency and educate them on their available options. Supervisory Responsibilities: None Duties/Responsibilities: Maintains accurate and legible documentation on past due accounts and collection process. Educate members on proper payment processes by using resources such as SWBC (online payment portal) and mobile deposits. May negotiate and establish repayment of past due accounts within defined guidelines, such as workout loans, extensions, and due date changes. May direct members on possible total losses and the claims process, addresses issues including, but not limited to, Collateral Protection Insurance and processing Debt Protection Claims. May be responsible for assigning, monitoring, and tracking repossessions. May be responsible for conducting preliminary investigations on known or suspected fraud or straw purchases. May be responsible for effectively communicating and interacting with insurance agencies. May be responsible for processing daily mail for delinquent, charge-off and recovery payments; evaluates irregular and regular payments on past due accounts and determines how payment will be applied (example: principle, interest, escrow, etc.). May review records and transactions to resolve misapplied payments. May deal with Notices of Stored Vehicles and determines the best method for resolving impound issues. Complies and generates reports as required. Adheres to all established credit union policies, procedures and guidelines including, but not limited to, FDCPA (Fair Debt Collection Practices Act), BSA (Bank Secrecy Act) policy and procedures to complete Currency Transaction Reports, Elder Abuse, and monitor for and report suspicious activity. May be required to work weekends and late-night shifts on a rotation basis. Performs other related duties as assigned. Required Skills/Abilities: Basic understanding of balancing collection general ledgers. Basic understanding of Repossession Laws and regulations, Bankruptcy Chapter 7 & 13 Laws and Regulations. Solid verbal and written communication skills. Solid interpersonal and customer service skills. Solid organizational skills and attention to detail. Solid time management skills with a proven ability to meet deadlines. Ability to function well in a high-paced and at times stressful environment. Education and Experience: High school diploma or equivalent required. Minimum three - six months prior teller experience or related collector experience. Physical Requirements: Prolonged periods of sitting at a desk and working on a computer. May require standing and walking 25% of the time, lifting up to a maximum of 50 pounds, and other physical actions that include stooping, kneeling, crouching, crawling, reaching, pulling, and pushing. May be required to work in an environment with high noise levels and unpredictable temperature and ventilation. The above information on this position has been designed to indicate the general nature and level of work to be performed by employees designated for this position. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, qualifications, or physical requirements. Central State Credit Union is an equal opportunity employer. Requirements:

Central to all that California has to offer, Adventist Health Bakersfield has been providing an extraordinary team of world-class physicians, top-notch medical technology, caring professionals and award-winning quality since 1910. We are comprised of a 254-bed acute care hospital and 20 primary and specialty care medical offices. As one of America's fastest growing cities, Bakersfield offers affordable housing on the West Coast, beautiful weather, high-quality education and it is just a few hours away from Yosemite and Sequoia National Parks, the Central California Coast and Southern California's great sports, theaters, concerts and amusement parks. Job Summary: Performs outpatient clinic billing and account activities to maximize insurance reimbursement and promote prompt payment. Follows up with patients, health plans and medical groups until payment resolution. Runs regular statements and reports and maintains financial and accounting records. Job Requirements: Education and Work Experience: * High School Education/GED or equivalent: Preferred * Associate's/Technical Degree or equivalent combination of education/related experience: Preferred Licenses/Certifications: * International Classification of Diseases (ICD-10) training: Preferred * Current Procedural Terminology (CPT) coding training: Preferred Essential Functions: * Verifies outpatient clinic charges against medical records utilizing Current Procedural Terminology (CPT), diagnostic coding and financial classifications to generate and submit insurance claims and patient statements. Performs data entry of charges, payments, adjustments, refunds and patient demographics. * Works with insurance companies to get payments processed and denials overturned. Helps clinic patients understand liabilities, co-payments, deductibles or non-covered benefits and arrange to clear bills. Resolves discrepancies and processes contractual adjustments as needed. * Generates, reviews and distributes accounts receivable reports and aging reports. * Works with clinic providers and staff, business services representatives, information system representatives, patients and/or representatives and insurance companies to assure completion, accuracy and clarity of all billing and payment documentation. Collects, audits, stores and keeps confidential all financial and accounting records. * Generates collections letters and processes patient accounts for collection agency and bankruptcy. * Performs other job-related duties as assigned. Organizational Requirements: Adventist Health is committed to the safety and wellbeing of our associates and patients. Therefore, we require that all associates receive all required vaccinations as a condition of employment and annually thereafter, where applicable. Medical and religious exemptions may apply. Adventist Health participates in E-Verify. Visit ******************************************** for more information about E-Verify. By choosing to apply, you acknowledge that you have accessed and read the E-Verify Participation and Right to Work notices and understand the contents therein.

We are seeking a detail-oriented Accounts Receivable Specialist to support a nationwide environmental services company. This full-time, onsite contract-to-hire opportunity offers a dynamic environment where you'll play a key role in managing core accounts receivable functions. The ideal candidate will have experience focused in full-cycle accounts receivable, high volume and complex invoicing, journal entries, reconciliations, dispute management and reporting. Salary : $70k+ Direct Hire The role is 100% onsite in Sacramento PRIMARY RESPONSIBILITIES: Manage full-cycle accounts receivable, including high-volume invoice generation, billing review, recurring schedules, and aging report maintenance. Coordinate with supervisors and department managers to implement collection strategies and minimize outstanding balances. Respond to customer inquiries, resolve billing discrepancies, and support evaluations for bad debt and write-offs. Process credit memos, credit card payments, and identify cash receipts as needed. Prepare documentation for commissions, bonuses, and reconcile accounts receivable and deferred revenue accounts. Support operational activities such as fleet reporting, postage allocations, lobbyist reporting, and audit/tax preparation. Assist with financial statement preparation, process documentation, ad hoc reporting, and maintain organized filing of work products SKILLS AND QUALIFICATIONS: Associate degree or equivalent professional experience in accounting or finance. Minimum of 3+years of experience in Accounts Receivables with familiarity in general accounting procedures. Proficiency in Microsoft Office (Excel, Word, Outlook) and Windows OS; experience with QuickBooks Online is a plus. Strong attention to detail, accuracy, and ability to manage tasks independently while meeting deadlines. Effective communication and interpersonal skills to support collaboration across teams and with external stakeholders.