Customer Retention Specialist remote jobs - 3,473 jobs
Sales and Customer Service Representative Remote (69k+ per year)
HMG Careers 4.5
Remote job
This full-time position offers flexible work hours and ample opportunities for advancement into management roles.
You will work remotely to serve clients and offer valuable advice and protection to individuals and their families. What We Offer:
· Remote, work from home career.
· Average first-year earnings of $69K commission + bonuses.
· Life-long residual income through renewals.
· Unionized position with stock options.
· Excellent benefits package - medical, dental, and prescription coverage.
· Exceptional training with experienced managers.
· High-quality leads provided: no calling family or friends.
· Flexible hours: this is a fulltime career, but you can choose when you work.
· Opportunities for advancement and recognition as we promote from within.
· Dynamic Team Environment: Our virtual workplace thrives on a vibrant team. atmosphere. While this position is remote, you will have lots of support.
Qualities We Value:
· Willingness to learn and be coached as we provide comprehensive training.
· Outgoing and Friendly Personality: a positive and approachable demeanor.
· A strong desire to help others: provide valuable advice and services.
· Effective Communication Skills: your ability to connect with others is crucial.
· Sales or customer service experience is advantageous but not mandatory.
Your Qualifications:
· Laptop or computer with camera is required.
· Possession of, or willingness to obtain an insurance license.
· Basic computer literacy is essential.
· Primary residence in Canada or USA: you must reside in North America to be eligible.
Your Job Responsibilities:
· Contact the leads we provide to schedule virtual meetings with clients.
· Present benefit programs to enroll new clients and cultivate relationships with them.
· Collaborate with your manager to define clear objectives and goals, then achieve them through dedicated effort and determination.
$69k yearly 1d ago
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Remote Healthcare Customer Service Representative
Alorica 4.1
Remote job
**Customer Service Representative **
**Employment Type:** "Full-time"
**Supporting:** "Healthcare"
**About Us **
We're the largest minority-owned CX provider, delivering digital-first, people-centered experiences for some of the world's most respected brands. For over 25 years, we've been helping businesses solve their toughest customer experience challenges-and we do it better than anyone else.
As a Top Place to Work, we're serious about creating an environment where people show up as their genuine selves. Which means when you succeed, we all do.
**Here's What the Job Really Looks Like**
You're a natural problem-solver who's good with people. You know how to listen to what someone's really asking for (not just what they're saying), and you can explain solutions in a way that makes sense. You stay calm under pressure, you're detail-oriented enough to keep information accurate, and you genuinely care about leaving customers better off than when they reached out. If that sounds like you, this role is a great fit.
**How You'll Make an Impact**
+ Guide customers through questions, concerns, or challenges they encounter while using the product or service
+ Listen actively to understand the root of the issue and provide clear, effective solutions
+ Record detailed call information for auditing, reporting, and follow-up purposes
+ Maintain and update customer records to ensure accurate and current information
+ Identify opportunities to introduce customers to new or enhanced services that meet their needs
+ Provide recommendations and guidance in a way that adds value and enhances the overall customer experience
**What'll Set You Up for Success**
**Required:**
+ High school diploma or GED
+ 6+ months of customer service or sales experience preferred
+ Work at home environment is in a private residence and matches the address listed on file
+ Comfortable working with company-issued equipment such as a webcam if applicable.
+ An Internet/Broadband Internet Connection such as DSL or Cable only. We do not accept Satellite, Dial-up or Wireless Internet connections (5G).
+ Your workstation must be connected directly to the Internet with proof that your ISP meets a minimum download speed of 10 Mbps and minimum upload speed of 3 Mbps.
**For Internal Candidates:**
+ Must not be on any corrective action or performance plans
+ Must have held your current position for 6+ months
+ Must have relevant industry/program experience
**Location Note:** We're currently hiring for this position in "Tucson, Arizona".
**Why Alorica?**
Our culture shows up in how we work together, support each other, and show up for our clients. We're bold enough to challenge how things have always been done, committed to delivering results that matter, and passionate about making customer experiences that actually work.
**TIDE** is our connection group built around real conversations, shared experiences, and genuine belonging. **MLBA (Making Lives Better at Alorica)** is our employee-led nonprofit where local teams raise funds and support colleagues and communities when it matters most. We don't just talk about culture-we build it, live it, and keep making lives better every day.
**What We Offer:**
+ Health, dental, and vision coverage with HSA options
+ Paid time off
+ Flexible pay options: daily or weekly pay
+ 401(k) retirement plan
+ Leadership development programs that really grow your career
+ Open access courses through Alorica Academy
+ Paid training and tuition reimbursement
+ Employee discounts on groceries, travel, insurance, phone plans, health & wellness, pet supplies, and more
+ Employee assistance program for personal and professional support
+ Additional voluntary benefits to meet your individual needs
**Our Values**
**Bold** - We challenge conventions and take smart risks
**Relentless** - We deliver results, no matter what it takes
**Connected** - We work as One Alorica because we're stronger together
**True** - We show up as our authentic selves, every single day
**Ready to Join Us?**
If you're looking for a place where your work matters, your voice is heard, and you can build a real career, let's talk.
Apply Today!
**Equal Opportunity Employer - Veterans/Disabled**
DISCLAIMER: The above information has been designed to indicate the general nature and level of work performed by employees in this classification.
\#AloricaJobs #CallCenter #CustomerServiceJobs
$23k-28k yearly est. 8d ago
Customer Account Representative - Urology
Aeroflow 4.4
Remote job
Shift: Monday-Friday 8:30 am - 5:30 pm EST Pay: $20/hour Aeroflow Health is taking the home health products and equipment industry by storm. We've created a better way of doing business that prioritizes our customers, our community, and our coworkers.
We believe in career building. We promote from within and reward individuals who have invested their time and talent in Aeroflow. If you're looking for a stable, ethical company in which to advance you won't find an organization better equipped to help you meet your professional goals than Aeroflow Health.
The Opportunity
Within Aeroflow, the Urology team is comprised of many different roles, with all one purpose - to provide great customer service to our new and current patients.
As a customer account representative, you will focus on providing exceptional customer service to patients, professionals, and insurance companies.
This is a fully remote position; however, it is not a flexible or on-demand schedule. To be successful in this role, you must be able to work in a quiet, distraction-free environment where you can handle back-to-back phone calls and maintain focus throughout your shift.
Please note: Working remotely is not a substitute for childcare. Candidates must have appropriate arrangements in place to ensure they are fully available and able to respond to calls and tasks as they come in throughout the workday.
Your Primary Responsibilities
We are currently seeking a Customer Account Representative. CAR is typically responsible for:
Handling a high-volume number of both incoming and outgoing phone calls daily
Updating account information, such as: product needs, insurance, contact information, etc.
Placing resupply orders for current patients that receive incontinence supplies and catheters
Researching insurance payer requirements and understanding reimbursement procedures
Troubleshooting equipment problems and offering product changes
Maintaining HIPAA/patient confidentiality
Employee has an individual responsibility for knowledge of and compliance with laws, regulations, and policies.
Compliance is a condition of employment and is considered an element of job performance
Regular and reliable attendance as assigned by your schedule
Other job duties as assigned
Skills for Success
Excellent Customer Service Skills
Ability to Think Critically
Exceptional Organization
High Level of Compassion
Outstanding Written and Verbal Communication
Willingness to Make Decisions Independently
Ability to Contribute to a Team
Must Be Adaptable and Willing to Learn
General Computer and Email Proficiency
Required Qualifications
High school diploma or GED equivalent
1 year of customer service experience preferred
1 year of call center experience preferred
Excellent written and verbal communication skills
Excellent critical thinking skills
Excellent De-escalation skills
Excellent active listening skills
Ability to multitask - shifting between open applications as you speak with patients
Ability to type 40+ words per minute with accuracy
A reliable, high-speed internet connection is required, with a minimum download speed of 20 Mbps and minimum upload speed of 5 Mbps. Unstable or unreliable connectivity may impact performance expectations. Repeated internet or phone outages may result in the termination of remote work privileges at the discretion of Aeroflow Health management.
You might also have, but not required:
Knowledge with different types of insurance such as medicare, medicaid, and commercial plans
DME supplies, specifically with incontinence and catheters
What we look for
We are looking for highly motivated, talented, individuals who can work well independently and as a team. Someone who has strong organizational, time management, and problem-solving skills. Willing to learn and adapt to organizational changes.
What Aeroflow Offers
Competitive Pay, Health Plans with FSA or HSA options, Dental, and Vision Insurance, Optional Life Insurance, 401K with Company Match, 12 weeks of parental leave for birthing parent/ 4 weeks leave for non-birthing parent(s), Additional Parental benefits to include fertility stipends, free diapers, breast pump, Paid Holidays, PTO Accrual from day one, Employee Assistance Programs and SO MUCH MORE!!
Here at Aeroflow, we are proud of our commitment to all of our employees. Aeroflow Health has been recognized both locally and nationally for the following achievements:
Family Forward Certified
Great Place to Work Certified
5000 Best Place to Work award winner
HME Excellence Award
Sky High Growth Award
If you've been looking for an opportunity that will allow you to make an impact, and an organization with unlimited growth potential, we want to hear from you!
Aeroflow Health is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws.
If this opportunity appeals to you, and you are able to demonstrate that you meet the minimum required criteria for the position, please contact us as soon as possible.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.
$20 hourly 3d ago
Customer Support Representative
Aston Carter 3.7
Remote job
This role is designed to provide essential support and customer service to individuals contacting the People Service Center. As a People Associate, you will play a key role in ensuring customer satisfaction and maintaining efficient operations within the team.
Responsibilities
+ Handle inbound and outbound customer service phone support, providing prompt and courteous assistance to employees or clients.
+ Manage service tickets, logging, tracking, and resolving requests or issues submitted through internal systems.
+ Ensure timely follow-up and accurate documentation to maintain data integrity and compliance.
+ Regularly input and update information in relevant databases or systems.
Essential Skills
+ Attention to detail, demonstrating precision and accuracy in completing tasks.
+ Ability to multitask, managing multiple responsibilities simultaneously while maintaining quality and meeting deadlines.
+ Effective communication skills, clearly conveying information both verbally and in writing.
+ Strong interpersonal skills to build positive working relationships and collaborate effectively with team members and stakeholders.
Additional Skills & Qualifications
+ Proficiency in Microsoft Suite and basic computer functions.
+ Experience with ServiceNow and PeopleSoft is a plus.
+ At least 3 years of experience in customer service or related industry.
+ High School diploma or GED.
Work Environment
This position offers a hybrid work schedule with Monday and Friday as work-from-home days, while Tuesday to Thursday require onsite presence. You will work alongside a collaborative team, offering a supportive and dynamic environment.
Job Type & Location
This is a Contract position based out of Richardson, TX.
Pay and Benefits
The pay range for this position is $18.00 - $20.00/hr.
Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: - Medical, dental & vision - Critical Illness, Accident, and Hospital - 401(k) Retirement Plan - Pre-tax and Roth post-tax contributions available - Life Insurance (Voluntary Life & AD&D for the employee and dependents) - Short and long-term disability - Health Spending Account (HSA) - Transportation benefits - Employee Assistance Program - Time Off/Leave (PTO, Vacation or Sick Leave)
Workplace Type
This is a hybrid position in Richardson,TX.
Application Deadline
This position is anticipated to close on Jan 30, 2026.
About Aston Carter:
Aston Carter provides world-class corporate talent solutions to thousands of clients across the globe. Specialized in accounting, finance, human resources, talent acquisition, procurement, supply chain and select administrative professions, we extend the capabilities of industry-leading companies. We draw on our deep recruiting expertise and expansive network to meet the evolving needs of our clients and talent community with agility and excellence. With offices across the U.S., Canada, Asia Pacific and Europe, Aston Carter serves many of the Fortune 500. We are proud to be a ClearlyRated Best of Staffing double diamond winner for both client and talent service.
The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.
If you would like to request a reasonable accommodation, such as the modification or adjustment of the job application process or interviewing process due to a disability, please email astoncarteraccommodation@astoncarter.com (%20astoncarteraccommodation@astoncarter.com) for other accommodation options.
$18-20 hourly 8d ago
Customer Service
Apidel Technologies 4.1
Remote job
Qualifications: A combination of formal education such as Bachelors Degree, Associates Degree with certifications and/or at least 2-4 years of progressive customer service experience Excellent communication skills Excels at interpersonal and relationship management skills
Prior experience with the ability to successfully resolve conflict
Strong ability to multi-task
Some exposure to building products and/or retail industry preferred
Developed systems aptitude and Microsoft Office skills
SAP experience required
Order Management
Accept, enter, schedule and maintain orders within SAP
Sales Force
Order Entry Document Manager (OEDM)
Understands and executes all types of order processing (EDI/Business Connections)
Verify pricing
Respond to inquiries, e.g. inventory availability, production schedule, technical questions, products and policies
Ability to build efficient truckloads and schedules in coordination with the traffic department
Verify accurate information on ship schedule/OEDM
Is a high performer in the CAS Learning Path achieving agreed upon metrics and demonstrating critical behaviors
Can function across all regions and in multiple business groups
Understands and correctly provides direction of the Service Advantage for our customer and Sales Team.
Communicates when necessary with internal departments regarding Credit and Pricing
Expedites hot or special orders as agreed upon with sales and supervisor
Conflict Management
Properly communicates, manages and resolves customer and sales issues in a professional and empathetic manner
Address and correct customer service issues, forward issues to appropriate department, continued follow-up through resolution to ensure overall customer satisfaction
Collaborate with cross-functional teams to expedite orders
Perform backorder coordination/shipping
Maintain customer records within all software databases
Communicate any schedule delays in customer orders in a timely manner
Manage the Return Material Authorization (RMA) process within agreed upon policy, ensuring customer satisfaction, while ensuring guidelines and goals are achieved.
Order Management & Customer Service Supply Chain Support
Cross train to gain understanding of the functions within Supply Chain to effectively support the overall Siding Products Group.
Provide coverage for time off, peak periods and perform at the Learning Path proficient level and as a high performer in all aspects of customer service and related cross trained function(s).
Maintain customer records within all software databases
Manage the Return Material Authorization (RMA) process within agreed upon policy, ensuring customer satisfaction, while ensuring guidelines and goals are achieved.
Is proficient in SalesForce or equivalent computer related skillset
Maintain customer records within all software databases
Responsibilities:
Under the supervision of the Service Center Supervisor located in Malvern, PA (this is not a remote position) or Manager the Customer Service Temp is accountable for establishing a strong customer relationship based on trust and responsiveness to deliver World Class Service to the incumbents customer base. The CST will accurately process customer orders in an efficient manner to ensure we exceed our customers expectations. Additionally, the CST will manage multi-part customer complaints/concerns and be empowered to resolve issues in a timely and professional manner. The CST is fully proficient in all aspects of the Learning Path and is knowledgeable across all lines of business and regions. The CST will adhere to policies and procedures currently in place and maintain the required level of service to our customers.
The CST works within the parameters as defined by CertainTeed customer service standards and the Service Advantage guidelines. The incumbent must analyze and respond to fluctuating situations and conditions in such a manner that not only meets/exceeds the expectations of our customer, but considers the overall impact to the business. Proactively resolves customer problems/issues, exhibiting ownership for our customers.
This position will run from February 2026 through at least August 2026.
Demonstrates relentless customer service
Flexibility in working hours 7:30am 6pm with some overtime
Willingness and ability to work from home during inclement weather or emergency situations requires home phone line & internet
Strong organizational skills
Concise communication skills
Team player
Responsible
Influencing Skills
Highly developed interpersonal skills
Unwavering personal values
Intermediate excel and MS office capability
Systems aptitude i.e. Sales Force/SAP
Ability to multitask at a high level
Preferred skills
Customer Service
$33k-39k yearly est. 8d ago
Work From Home - Entry Level Customer Service
American Income Life Insurance Company 4.2
Remote job
We are looking for an individual with great customer service skills for one of the main supplemental benefits companies in the nation for over 65 years! The Company is expanding in our territories and we are in immediate need of dedicated Benefits Representatives with ambitious goals.
Responsibilities:
Helping customers by providing product and service information
Answer customer questions regarding their coverage
Develop and maintain a knowledge base of the evolving products and services
Regularly review these agreements in an effort to develop a more cost-effective plan
Qualifications:
Previous experience in customer service, sales, or other related fields
Ability to build rapport with clients
Ability to prioritize and multitask
Positive and professional demeanor
Excellent written and verbal communication skills
What are we looking for in a candidate?
A sharp individual with an entrepreneurial mindset
An individual that is a team player and works well under pressure
An individual with professional communication skills
Benefits
Hands on training
Weekly pay
Bonuses
Residual income
Company paid trips
Remote
Apply now to learn more about what we do and how you can be a part of our team today!
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$35k-43k yearly est. 8d ago
Appointment Customer Representative | Work From Home
Above Life Agency
Remote job
We are expanding new territory this week. Looking for entry-level customer service appointment representative to meet with our clients today!
Submit your resume below and we will get someone to contact you in 24-48 hours!
About Our Agency:
Leads system Provided
Work from home/zoom schedule
Amazing Sales Training
Inspiring leadership
Excellent mentorship, community & support
About our agents:
Communication skills
Run leads weekly
Zoom meetings with clients
Internet connection needed
Friendly, encouraging & positive personality
Please apply now and we will get back to you in 24-48 hours!
Your schedule will remain work from home, flexible and remote. This is a 1099 position, commission only.
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We are growing and hiring Customer Service Representatives to manage incoming customer queries and field questions regarding policy information. You will also process payments, modifications, and escalate complaints across a number of communication channels. A successful candidate would need to be high energy, customer centric, have a friendly demeanor, display empathy, patience and have experience working in the insurance industry, call center and proficient in computers. REMOTE OPPORTUNITY.
Job Description:
We Are: Covenir is a company with a startup attitude with the support of a corporation. In the last three years we have experienced tremendous growth and have quickly become one of the go to companies for business process outsourcing.
You Are: Someone with a few years of call center/customer service/office support experience or someone with a lot of experience looking to make a career change. You enjoy working a flexible schedule in a team environment around a lot of great people. You need a fast-paced environment where no two days are the same and you understand how to be the face/voice of a company.
Responsibilities Include:
Work with our insurance provider clients and deliver great overall customer service
Take in a high volume of calls, communicate via email and letters as appropriate
Document all client communication across several platforms
Be the point person for our clients as well as their customers
Qualifications:
2+ years of customer service experience in a call-center environment
Demonstrated communication, organizational and interpersonal skills
Intermediate proficiency in Microsoft Office
Strong independent problem solving and analytical skills
Preferred Qualifications:
4+ years of insurance experience (insurance agent license a plus!)
Bilingual (Spanish/English)
Associate's degree
Worker Type:
Number of Openings:
3
$44k-68k yearly est. 3d ago
Customer Service Associate (Hybrid Role) - Austin, TX
Agility 360
Remote job
Customer Service Associate - Austin, TX Agility 360 is searching for an experienced Customer Service Associate for a contract-to-hire position with our client. The ideal candidates will posses a strong background in call center and customer service experience. As an integral part of our team, you will hold a pivotal role connecting our clients and their esteemed customers. Your dedication to service excellence will be unwavering, and you'll find fulfillment in embracing challenges that allow your exceptional attention to detail and critical thinking skills to shine. As the face of our company, you will exude professionalism in every customer interaction, prioritizing satisfaction above all else. You have an innate ability to effectively address concerns, craft effective solutions, and proactively anticipate further inquiries. Your primary responsibilities will include effectively using multiple communication vehicles to connect with customers, which may include telephones, email, and chat. You can handle challenging customers effectively, with confidence, and exhibit less reliance on additional support. To excel in this role, showcasing an unwavering positive attitude and communicating with clarity and ease in every interaction will be essential to your success.
Job Responsibilities:
Manages inbound inquiries on behalf of client, acting as an extension of our client
Acts confidently in their role with little reliance on additional support
Acts in a professional and appropriate manner while assisting with a resolution/answer to the issue
Actively and accurately participates in new hire training support (i.e. chat, side by sides, etc.)
Builds product and process knowledge to effectively interact with customers, within business guidelines
Identify customers' needs, research client systems, utilize tools to interpret and analyze data
Complex use of multiple systems in order to service customer inquiries (can be up to 10 systems)
Ability to handle challenging customers effectively
Provides accurate solutions and guidance, and uses the opportunity to educate customers where appropriate
Builds trust in customer relationships through solving issues quickly and efficiently and by providing extra value, when appropriate
Actively and accurately document discussions of inquiries and leverage internal tools for next-level resolution needs.
Consistently meets or exceeds inquiry response times, some may be required by client contractual service levels
May assist with escalated issues per business guidelines
Meet personal/team production metrics and quality targets
Must adhere to strict schedule and meet attendance guidelines
Experience:
High school diploma, GED or equivalent is required; bachelor's degree preferred
3+ years previous experience in a customer support role required
Tax/banking/mortgage/real estate Industry experience preferred
Passion for service excellence
Strong written and verbal communication skills along with excellent customer service and active listening skills
Strong problem-solving, critical thinking and analytical skills while remaining flexible when adapting to change
Strong computer skills to retrieve, query, update systems using multiple screens simultaneously
Organization and time management skills to operate effectively in a fast paced, high-volume environment.
Typing ability of 35wpm+
Demonstrated knowledge of and experience with Microsoft
Ability to work in a structured, high volume, fast-paced environment while maintaining attention to detail
Ability to identify customer issues and identify appropriate tasks
Must successfully adhere to schedule, attendance and required deliverables/deadlines.
Demonstrates patience and empathy and have the ability to work collaboratively with others
Job Details:
3-6 month contract-to-hire role
Training Schedule (4 days onsite, 1 day remote)
After Training (4 days remote, 1 day onsite), must be available to work any shift between 7am - 8pm CST
Pay: $18.50 - $19.50/hr
Employment is contingent on passing a background check and drug screen
$18.5-19.5 hourly 8d ago
Remote Customer Service Specialist - Employee Benefit Administration
Activus Connect
Remote job
We are seeking a dedicated and knowledgeable customer service representative to join our team and provide exceptional customer service and support regarding employee benefits, 401K plans, and payroll inquiries, and other benefit and time off related inquiries. The ideal candidate should possess excellent communication skills, a strong attention to detail, and a solid understanding of benefits administration and payroll processes. This role involves addressing customer queries, resolving concerns, and assisting employees with accurate information to ensure their overall satisfaction.
Responsibilities:
Customer Support: Serve as the first point of contact for employees' inquiries related to benefits, 401K plans, and payroll matters, health insurance, or supplemental insurance plans as needed through inbound calls.
Issue Resolution: Identify and troubleshoot employees' concerns and issues, providing efficient solutions or escalating complex matters to appropriate internal departments.
Documentation: Maintain detailed and organized records of all interactions, inquiries, and resolutions in the company's customer relationship management (CRM) system.
Education and Guidance: Offer guidance and explanations to employees on benefit enrollment processes, retirement planning, investment options, and any updates to payroll policies.
Policy Knowledge: Stay updated on company policies, industry regulations, and compliance requirements to provide accurate information and ensure consistent service quality.
Qualifications:
High school diploma or equivalent is required.
Proven experience in a customer service or call center role, ideally with a focus on employee benefits, 401K plans, or payroll inquiries.
Strong interpersonal and communication skills, with the ability to explain complex concepts in a clear and understandable manner.
Familiarity with benefits administration platforms, retirement plans, and payroll systems is highly desirable.
Exceptional problem-solving skills and the ability to handle challenging situations with empathy and professionalism.
Detail-oriented with excellent organizational and multitasking abilities.
Availability to work flexible shifts, based on call center needs.
Demonstrated commitment to delivering outstanding customer experiences.
If you are passionate about assisting employees with their benefits, 401K, and payroll inquiries and are dedicated to delivering top-notch customer service, we encourage you to apply for this rewarding position. Join our team and be an essential part of providing a positive employee experience.
Activus Connect is only hiring for this role within the United States at this time.
Pay Rate:
$15.25 per hour during training
$17.00 per hour once you reach production
Benefits:
Paid time off
Community time
Referral program
Dental and Vision Insurance
Health Insurance
Completely remote work
Technical Requirements:
You will need to have your own equipment for this position as outlined below:
Desktop or Laptop Computer (Tablets, Chromebooks, WinBooks, Macs, or Virtual Machines etc are not permitted)
Processor: i5 or newer (or Ryzen 5+) 2GHZ processing power or better
Minimum 8GB RAM
256 GB SSD
You must have administrator access on the computer you are using.
Windows 11 OS
High Speed Internet Access with 20MBPS Download and 20MBPS Upload or better
You are unable to use a wireless internet connection for this position, you must be hardwired with a hardline cable or DSL connection.
VPN's are not permitted while on the clock
Dual Monitors, at least 20 inch.
Wired USB headset Plantronics Model 3310 or 3320
Webcam for meetings and training
All peripherals must be hardwired for use (keyboard, mouse, etc.)
$15.3-17 hourly 8d ago
Customer Service Specialist Property and Casualty - US Based Remote
Anywhere Real Estate
Remote job
The Customer Service Specialist is responsible for delivering exceptional service to policyholders and supporting the agency's retention and growth goals. This role involves handling customer inquiries, processing payments, conducting proactive outreach, and assisting with remarketing efforts. The ideal candidate will be detail-oriented, customer-focused, and comfortable managing both inbound and outbound communications.
Key Responsibilities:
+ Respond to customer policy inquiries via phone, email, and other communication channels.
+ Collect and process payments accurately and in compliance with agency standards.
+ Perform proactive outreach to policyholders for renewals, retention, and remarketing opportunities.
+ Handle inbound and outbound calls with policyholders and insurance carriers to resolve issues and provide updates.
+ Quote and sell insurance policies across multiple lines, ensuring compliance with state regulations and agency guidelines.
+ Assist with remarketing efforts to retain customers and improve satisfaction.
+ Complete administrative duties, including data entry, document management, and updating customer records in agency systems.
+ Collaborate with team members to meet service level agreements and retention goals.
Qualifications:
+ High school diploma or equivalent
+ Insurance license (Property & Casualty) or willingness to obtain within a specified timeframe.
+ Prior experience in customer service, preferably in an insurance or financial services environment.
+ Strong communication skills (verbal and written) and ability to handle high-volume calls.
+ Proficiency in agency management systems (e.g., AMS360, Salesforce) and Microsoft Office Suite.
+ Ability to multitask, prioritize, and work in a fast-paced environment.
Key Competencies:
+ Customer-focused mindset with strong problem-solving skills.
+ Sales aptitude and ability to identify cross-selling opportunities.
+ Attention to detail and accuracy in handling transactions.
+ Team-oriented with a proactive approach to achieving goals.
Our Insurance Agency helps real estate agents provide consumers with a seamless transaction experience. An independent provider of personal lines of insurance, the team works with national and regional insurance companies to design affordable coverage options and combination policies that meet a variety of budgets and lifestyles.
Anywhere Real Estate Inc. (************************ **(NYSE: HOUS) is moving real estate to what's next.** Home to some of the most recognized brands in real estate Better Homes and Gardens Real Estate (*********************** , Century 21 (*************************** , Coldwell Banker (******************************** , Coldwell Banker Commercial (****************************** , Corcoran (************************** , ERA (********************* , and Sotheby's International Realty (*********************************** , we fulfill our purpose to empower everyone's next move through our leading integrated services, which include franchise, brokerage, relocation, and title and settlement businesses, as well as mortgage and title insurance underwriter minority owned joint ventures. Anywhere supports nearly 1 million home sale transactions annually and our portfolio of industry-leading brands turns houses into homes in more than 118 countries and territories across the world.
**At Anywhere, we are empowering everyone's next move - your career included.** What differentiates us is our scale, expertise, network, and unique business model that positions us as a trusted advisor throughout every stage of the real estate transaction. **We pursue talent** - strategic thinkers who are eager to always find a better way, relentlessly focus on talent, obsess about growth, and achieve exceptional results. **We value our people-first culture,** which thrives on empowerment, innovation, and cross-company collaboration as we keep moving the world forward, together. Read more about our company culture and values in our annual Impact Report (********************************************************************** .
We are proud of our award-winning culture and are consistently recognized as an employer of choice by various organizations including:
+ Great Place to Work
+ Forbes World's Best Employers
+ Newsweek World's Most Trustworthy Companies
+ Ethisphere World's Most Ethical Companies
EEO Statement: EOE including disability/veteran
$26k-35k yearly est. 8d ago
Call Center Customer Service Rep - Houston, TX
ARS 4.4
Remote job
ARS-Rescue Rooter
Join ARS, the nation's largest provider of residential HVAC, plumbing, and electrical services with 7,000+ team members and over 45 years of experience.
Customer Service Representatives can expect:
Year-round work as we service multiple trades with multiple busy seasons.
Competitive pay options based on your skill and availability.
Paid orientation, paid training, and weekly direct deposit payroll.
Clean office environment with great equipment and a strong team ready to grow along side of you.
Comprehensive Training Opportunities provided by in-house Learning & Development team.
Training including but not limited to technical, sales, safety, leadership, systems training.
National Network to support professional growth & development and provide transfer opportunities.
Pay: $18-$19 per hour
Schedule: 12pm-8:30pm or 2pm-10:30pm
Full-time, year-round work
What We Offer:
Weekly pay via direct deposit
Paid training and onboarding
Insurance available after 31 days
Low-cost medical (as low as $5/week)
Dental, vision, HSA/FSA
401(k) with company match
13 days PTO + 8 paid holidays
Company-paid life insurance
Clean office environment with strong team culture
Career growth opportunities within a national network
Deliver exceptional customer service through inbound and outbound calls. You'll manage scheduling, handle multi-line phones, and support customers with professionalism and urgency. This is a fast-paced, team-driven role based in-office.
**THIS IS NOT A REMOTE POSITION**
Prior experience in a customer service or call center environment
Proficiency with Microsoft Office and computer-based systems
Ability to handle multi-line phones with accuracy and composure
Must report daily to our office, this is not a work from home opportunity.
Ability to work assigned shift and weekend rotation as required. (Discuss all schedule requirements at interview)
Must pass background check and drug screening
Note: This posting outlines potential pay ranges and opportunities, which are not guaranteed and do not represent a formal offer. Additional money may be offered based on experience and will be detailed in an offer letter addendum. ARS is an equal opportunity employer and does not discriminate based on any protected status under federal, state, or local law. Privacy policy available upon request.
$18-19 hourly 8d ago
WFH Customer Service L&H Agent Full Training Provided
Ao Globe Life
Remote job
Employment Type: Full-Time / Flexible Hours Compensation: $90,000-$120,000/year Extras: Weekly Pay | Equity Opportunity | Bonus Program | Vested Renewals
AO Globe Life is hiring eligible candidates to join our mission-driven, fully remote team. Whether you're a recent graduate in business, marketing, or communications-or simply looking for a people-first career with long-term growth-this role offers the launchpad you need. With paid training, structured mentorship, and pre-qualified leads, you'll be set up for success from day one.
Key Responsibilities
Conduct scheduled Zoom consultations with clients
Guide individuals and families through personalized benefit options
Support clients through the enrollment process with clarity and professionalism
Maintain accurate, organized digital records
Deliver excellent client service and follow-up
Participate in weekly training and mentorship sessions
Build strong, lasting client relationships
Qualifications
Strong communication and interpersonal skills
Organized, self-motivated, and comfortable working independently
Confident on video and familiar with digital tools
Passion for purpose-driven work and helping others
Customer service or client-facing experience preferred (not required)
Authorized to work in the U.S.
Reliable internet connection and Windows-based laptop/PC with webcam
What We Offer
100% Remote - work from anywhere in the U.S.
Flexible scheduling to fit your lifestyle
Warm, pre-qualified leads - no cold calling
Weekly pay via direct deposit (commission-based)
Vested renewals for long-term income growth
Paid training & full licensing support
Monthly & quarterly performance bonuses
3% equity opportunity for qualifying team members
Clear career advancement pathways
Collaborative, mission-focused culture
About AO Globe Life
For more than 70 years, AO Globe Life has provided supplemental benefits to working-class families across the U.S., proudly serving union members, credit union members, and veterans. With a growing remote-first workforce, we're committed to building meaningful careers that offer flexibility, growth, and impact.
Ready to build a career where purpose meets opportunity? Apply today and take the next step in your remote career.
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$23k-31k yearly est. 5d ago
WORK-FROM-HOME Customer Service - Product Support - $25-$45 per hour
GL1
Remote job
Product Testers are wanted to work from home nationwide in the US to fulfill upcoming contracts with national and international companies.
We guarantee 15-25 hours per week with an hourly pay of between $25 / hr. and $45 / hr., depending on the In-Home Usage Test project.
No experience required.
There is no payment required in order to apply or to work as an In-Home Usage Tester. You don't have to buy products or pay for shipping, everything is paid by our company.
In-Home Usage Testers are considered independent contractors, we pay weekly every Wednesday by direct deposit or by cheque.
We are a consulting firm that specializes in product testing and product development work. We design and conduct In-Home Usage Testing (IHUT) locally and nationally to provide actual user feedback in real-time to companies and market research firms to evaluate products to ensure proper product certification and greater market access.
It is important to note that during your application process, reputable market research companies will determine your demographics and consumer profile to establish what products would be suitable for you to test.
Market research companies that partner with us will use questionnaires to identify and target certain types of consumers, to ensure that the right participants are engaged and to achieve the representative sample needed.
Participation in these product testing and consumer panels is always free, secure and private. In-Home Usage Testing is a quick, easy and fun way to make extra cash by telling big brands what you think about their upcoming products and services in the American market.
Main Duties :
Properly document In-Home Usage Tests as instructed in the In-Home Usage Test Daily Schedule (screenshots, audio recordings, videos, product journal entries, etc.)
Take care of the product being tested and use it responsibly
Read and strictly follow the In-Home Usage Test Daily Schedule provided with each product testing project (may include tasks such as unpacking, reading instructions, journal entries, online or mobile feedback, usage of product for a certain amount of time, writing reviews, taking pictures, etc.)
Some In-Home Usage Tests projects may require participants to use MFour's Mobile In-Home Use Test Technology (cutting-edge smartphone technology to capture Point-of-Emotion insights to gain unparalleled depth of responses)
There are times when the product being tested may be discussed in a private chat room that is opened by a market research firm
Write reviews as requested in the In-Home Usage Test Daily Schedule for each project
Requirements :
Ability to follow specific instructions
Excellent attention to detail and curious spirit
Be able to work 15-25 hours per week and commit to a certain routine
Have access to a computer and a reliable internet connection
Have access to a digital camera or cell phone that takes pictures -Be honest and reliable -Good communication skills are an asset -18 years or older
A paid Product Tester position is perfect for those looking for an entry-level opportunity, flexible or seasonal work, temporary work or part-time work.
The hours are completely flexible and no previous experience is necessary.
Benefits :
Very competitive pay rate
Weekly pay
Work around your own schedule
Learn about an exciting industry
Telecommute (you can work from home, work or school)
Most of the time you can keep the product you tested
$29k-44k yearly est. 60d+ ago
Treasury Services Specialist
Allied 3.9
Remote job
This position is geared toward being the subject matter expert concerning the daily Treasury Services processes. This role will perform typical Analyst level tasks while supporting the Treasury Services team with any day-to-day issues and concerns. This position is responsible for building out processes and providing additional training to the Treasury Services team.
ESSENTIAL FUNCTIONS
Complete Monthly Reconciliations of client accounts through Great Plains
Process New business banking setup (BPO & ASO)
Make existing business banking changes (BPO & ASO)
Vendor maintenance for print fulfillment
VCC/EFT Implementation & support
Complete Check Tracer processes
Positive Pay submission
Create and implement new processes as needed
Lead new hire and existing team member training as needed
Other duties as assigned
EDUCATION
Bachelor's degree in accounting, or equivalent work experience required.
EXPERIENCE AND SKILLS
A minimum of 2 years' experience as a Treasury Analyst required
Must be detailed oriented
Excellent written and verbal communication skills required.
Excellent organizational and time management skills required.
Proficient with Microsoft Office Suite, Excel, Word, or similar software required
Experience with financial management systems, such as Great Plains or similar
Good computer skills with programs such as MS Excel, Access, and Power BI.
Exceptional analytical and problem-solving skills.
Strong financial and mathematic abilities.
Excellent verbal and written communication skills.
Strong time management and organizational abilities
POSITION COMPENTENCIES
Communication
Customer Focus
Accountability
Functional/Technical Job Skills
PHYSICAL DEMANDS
This is an office environment requiring extended sitting and computer work
WORK ENVIRONMENT
Remote
Here at Allied, we believe that great talent can thrive from anywhere. Our remote friendly culture offers flexibility and the comfort of working from home, while also ensuring you are set up for success. To support a smooth and efficient remote work experience, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 100Mbps download/25Mbps upload. Reliable internet service is essential for staying connected and productive.
The company has reviewed this job description to ensure that essential functions and basic duties have been included. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills, and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate.
Compensation is not limited to base salary. Allied values our Total Rewards, and offers a competitive Benefit Package including, but not limited to, Medical, Dental, Vision, Life & Disability Insurance, Generous Paid Time Off, Tuition Reimbursement, EAP, and a Technology Stipend.
Allied reserves the right to amend, change, alter, and revise, pay ranges and benefits offerings at any time. All applicants acknowledge that by applying to the position you understand that the specific pay range is contingent upon meeting the qualification and requirements of the role, and for the successful completion of the interview selection and process. It is at the Company's discretion to determine what pay is provided to a candidate within the range associated with the role.
Protect Yourself from Hiring Scams
Important Notice About Our Hiring Process
To keep your experience safe and transparent, please note:
All interviews are conducted via video.
No job offer will ever be made without a video interview with Human Resources and/or the Hiring Manager.
If someone contacts you claiming to represent us and offers a position without a video interview, it is not legitimate. We never ask for payment or personal financial information during the hiring process.
For your security, please verify all job opportunities through our official careers page: Current Career Opportunities at Allied Benefit Systems
Your security matters to us-thank you for helping us maintain a fair and trustworthy process!
$41k-60k yearly est. 8d ago
Customer Service Specialist
Calculated Hire
Remote job
Service Scheduling Administrator (SSA)
Part-Time | Fully Remote After Training
Training Location:
Charlotte North Ops Center
115 Rhyne Road, Charlotte, NC
Training is conducted onsite, five days a week.
Work Schedule & Mobility:
Onsite for training; fully remote after training
Part-time role (minimum 22 hours/week)
Hours may increase to 36+ per week if the contingent worker is available
Required availability:
Weekends: 7:00 AM - 6:00 PM
Holidays: 7:00 AM - 4:00 PM
Position Purpose:
The Service Scheduling Administrator (SSA) is responsible for assigning, routing, and adjusting workloads for field service personnel to support daily operations, customer service commitments, and emergency response. This role serves as a critical point of contact for technicians, first responders, and emergency customers, ensuring timely, accurate, and professional resolution of service needs.
The SSA supports after-hours operations and contributes to maintaining 24/7/365 emergency coverage across the service area.
Nature & Scope
The SSA supports the Planning & Progression Department, a centrally-led and regionally-executed team responsible for receiving, routing, and assigning all service orders for the Natural Gas Business Unit.
This role requires:
Independent judgment and analytical skills to optimize workloads in a dynamic operational environment
The ability to assess service calls and emergencies and apply appropriate human relations skills
Coordination of service and emergency response across a three-state service area operating 24/7/365
Operational Impact:
Supports approximately 350 Service Technicians
Helps manage an average of 56,000 emergency calls annually
Key Responsibilities:
Assign, route, and adjust daily workloads for field service personnel
Answer inbound calls from technicians, first responders, and emergency customers
Handle complex calls requiring research, follow-up, and sound judgment
Monitor service workflows and adjust schedules as operational conditions change
Ensure timely, accurate resolution of customer inquiries and emergencies
Support after-hours technician operations and emergency response coverage
Required Skills & Qualifications:
Strong analytical, problem-solving, and decision-making skills
Ability to multitask and prioritize in a fast-paced, high-volume environment
Excellent communication and customer service skills
Ability to remain calm and professional during emergency situations
Education Requirement:
High School Diploma or GED required
$27k-35k yearly est. 2d ago
Homecare Homebase Support Representative
Addus Homecare Corporation
Remote job
The HCHB Support Representative is responsible for handling software support calls and tickets initiated by Addus Home Health, Hospice, and Private Duty, and Personal Care branches. The role will also assist in training during acquisition integration projects as well as testing hot fixes and system upgrades HCHB releases. Must have recent Homecare Homebase Software experience.
Schedule: Remote Role / Monday - Friday 8am to 5pm.
>> We offer our team the best
Medical, Dental and Vision Benefits
Continued Education
PTO Plan
Retirement Planning
Life Insurance
Employee discounts
Essential Duties:
Managing a service desk (ServiceNow) ticket queue which includes triaging incoming requests, managing escalations to Addus team members, building out new worker login profiles, device buildout, user errors, and assisting branches in clearing claims or preventing ineligible claims.
Consult with HCHB's Customer Experience team as needed to provide solutions to HCHB errors.
Submit and follow up on HCHB Support Tickets.
Assist in project tasks related to new agency acquisitions.
Communicate with branches via phone, email, and live chat in a timely fashion to identify and resolve reported issues.
Identifying trending issues and providing thorough research and documentation of findings.
Effectively provide consultation and education on the appropriate use of all products within the HCHB Suite.
Ability to take assigned projects to successful completion.
The role may also include training staff during HCHB rollouts, assisting in HCHB quarterly release testing, assist in audit reviews, and develop and conduct training programs to support team members on HCHB applications.
Position Requirements & Competencies:
High school diploma or GED equivalent, some college preferred.
No less than 2 years of recent HCHB software experience.
Excellent written and oral communication skills.
Excellent customer service skills.
Computer proficiency required: including intermediate level knowledge in Microsoft Suite.
Ability to analyze and interpret situations to complete tasks or duties assigned.
Detail oriented, strong organizational skills.
Team players who are passionate about their work and will actively contribute to a positive and collaborative environment.
Quick learners with strong problem solving and creative thinking abilities.
Driven individuals who remain engaged in their own professional growth.
Ability to Travel:
Heavy travel (varies and may exceed 50%) is required during acquisition phases.
Some travel may be required on weekends or evenings.
Addus provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
To apply via text, text 9930 to ************
#ACADCOR #CBACADCOR #DJADCOR #IndeedADCOR
$28k-36k yearly est. 8d ago
Customer Service Representative
Concero
Remote job
We are looking for a dedicated and empathetic Inbound/Outbound Call Center Representative to join our Patient Services team. In this role, you will be responsible for making inbound/outbound calls to an existing patient list to schedule doctor appointments. The ideal candidate will have excellent communication skills, a compassionate approach to patient interactions, and the ability to manage a high volume of calls efficiently.
Key Responsibilities:
Outbound Calling:
Make a minimum of 25 outbound calls per hour to existing patients to schedule doctor appointments.
Inbound:
Take high volume incoming calls from patients to assist in scheduling doctor appointments. Navigate through multiple applications to answer insurance and account questions.
Appointment Scheduling:
Accurately book and confirm appointments based on patient availability and doctor schedules with a goal of setting a minimum of 125 appointments per month.
Patient Interaction:
Engage with patients in a courteous and professional manner, addressing their questions or concerns and providing relevant information about their appointments.
Data Management:
Update patient information, appointment details, and call outcomes in the company's scheduling and CRM systems.
Documentation:
Maintain accurate records of patient interactions and appointment status, ensuring all information is entered correctly and promptly.
Compliance:
Adhere to privacy regulations and company policies regarding patient information and appointment scheduling.
Feedback and Improvement:
Report any issues or patient feedback to the Call Center Manager to help improve processes and patient satisfaction.
Performance:
Maintain and exceed company metrics for outbound and inbound calls and appointments set.
Qualifications:
Experience:
Previous experience in a call center or customer service role is preferred, particularly in a healthcare or insurance setting. Training will be provided.
Communication Skills:
Strong verbal communication skills with a focus on clear, compassionate, and effective patient interaction.
Organizational Skills:
Excellent organizational skills with the ability to manage multiple tasks and maintain a high level of productivity.
Technical Proficiency:
Familiarity with scheduling software and CRM systems is a plus; proficiency in data entry and technical aptitude use required.
Attention to Detail:
High attention to detail to ensure accuracy in scheduling and patient information.
Empathy:
Ability to approach each call with empathy and professionalism, particularly when dealing with sensitive patient information.
Working Conditions:
Schedule:
Full-time. Flexibility in scheduling may be required based on call volume and patient needs. Hours are Monday-Friday between the hours of 8:30-6:00. There are occasional Saturdays based on Company needs
Environment:
Remote work environment.
Noise Requirements:
Must be able to provide and maintain a quiet, distraction-free workspace with
zero background noise
to ensure clear, professional-quality inbound and outbound calls.
$26k-34k yearly est. 3d ago
Senior Resolution Specialist
Arthur J Gallagher & Co 3.9
Remote job
Introduction
At Gallagher Bassett, we're there when it matters most because helping people through challenging moments is more than just our job, it's our purpose. Every day, we help clients navigate complexity, support recovery, and deliver outcomes that make a real difference in people's lives. It takes empathy, precision, and a strong sense of partnership-and that's exactly what you'll find here. We're a team of fast-paced fixers, empathetic experts, and outcomes drivers - people who care deeply about doing the right thing and doing it well. Whether you're managing claims, supporting clients, or improving processes, you'll play a vital role in helping businesses and individuals move forward with confidence. Here, you'll be supported by a culture that values teamwork, encourages curiosity, and celebrates the impact of your work. Because when you're here, you're part of something bigger. You're part of a team that shows up, stands together, and leads with purpose.
Overview
Salary: up to $165,000 per year, dependent upon experience
Jurisdictions: Open to Any
Licenses: must be willing to obtain all licenses stated by manager within specified timeframe
Location: This role is eligible for fully remote work.
Claims Background: Medical Malpractice - Long Term Care
How you'll make an impact
* Analyzes coverage and settles the most complex and challenging claims within Gallagher Bassett's specialty claims areas (excluding workers' compensation).
* Handles the full life cycle of all assigned claims files, from intake to resolution.
* Determines coverage applicability and defense obligations independently.
* Conducts thorough investigations and analysis to assess exposure and develop settlement strategies and action plans.
* Drafts and issues reservation of rights and coverage denial letters.
* Negotiates settlements with clients, client attorneys, and Public Adjusters.
* Engages with all parties involved in the claims process; may recommend retaining outside experts when appropriate.
* Prepares reserve and settlement authority requests for both client and carrier approval.
* May act as a client advocate with carriers to ensure proper handling of claims, including scoping, estimating, and addressing coverage issues.
* Possesses solid understanding of claims processing and the insurance brokerage business.
* Demonstrates deep knowledge of industry-specific terminology, case law, and specialized claims areas.
* Handles claims in alignment with client and corporate policies, best practices, and all regulatory and ethical standards.
* Provides guidance and mentorship to junior adjusters.
* Capable of handling a full caseload independently and effectively.
About You
Potential candidates should have the following:
Claims Background: Medical Malpractice - Long Term Care
Jurisdictional Experience: Any
Active Adjusters' licenses: must be willing to obtain all licenses stated by manager within specified timeframe
As a key member of our Claims Adjuster team, you will:
Investigate, evaluate, and resolve complex Medical Malpractice claims, applying your claims experience and analytical skills to make informed decisions and bring claims to resolution.
Work in partnership with our clients to deliver innovative solutions and improve the claims management process
Think critically, solve problems, plan, and prioritize activities to optimally serve clients
REQUIRED QUALIFICATIONS:
* High school diploma.
* Minimum of 5+ years of experience handling claims within the applicable specialty area (Medical Malpractice).
* Proven ability to handle complex and challenging claims issues at a senior adjuster level.
* Licensed and/or certified in all applicable states, or able to acquire necessary licenses per local requirements.
* Familiarity with accepted industry standards and practices.
* Proficient with relevant claims management and business software.
DESIRED:
Bachelor's Degree
Law Degree (JD)
Litigation Experience
10+years of prior experience adjusting claims in applicable specialty area
Experience in claims as well as the insurance legal and regulatory environment
#LI-TJ1
#GBTopJob
$33k-53k yearly est. 6d ago
Learn more about customer retention specialist jobs