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  • [Remote US and Canada] Head of Product - $100K Base + Bonus / 1% Equity - Negotiable!

    Commercialtribe 3.4company rating

    Remote hostage negotiator job

    CommercialTribe is a Boulder-based SaaS startup within the high growth Revenue Intelligence category, where numerous companies have recently achieved $1B+ valuations. The growth in the space has been largely focused on providing transparency, insights and actionability to improve how sellers sell and buyers buy. What makes us unique is our singular focus on improving how sales managers manage, which we call Sales Management Intelligence. Backed by Boulder Ventures, there is a shared belief that Sales Management Intelligence represents a new product category with a massive growth runway and today we have first mover advantage, a marquee list of customers, and a leadership team that has significant market experience to capitalize. We are looking for a Head of Product to join our team and lead our next phase of product development. The role will interface directly with our users - senior sales leaders and their managers - and work cross-functionally with engineering, sales and marketing while reporting into the CEO. The startup environment will place a lot of demands on this role from strategic thinking to tactical execution, while working in an agile environment. This is a unique opportunity to work closely with the founding team that has validated a new product category gaining traction. We have successfully experimented with a trial motion to improve customer acquisition this year and believe based on the fast time to value and low effort setup, the product can and should be moved to be truly product-led asap. Key Activities & Responsibilities Manage the product roadmap and the supporting product releases/milestones Engage with customers and prospects for user research including the formulation and testing of customer-problem-product hypotheses Maintain a high-quality product backlog by facilitating the process of breaking down larger projects/features into smaller user stories Bring the voice of the user into product discussions which is informed by user research and qualitative analysis Partner closely with UX design in user research/discovery and design Team closely with engineers so iterations are executed efficiently and with high quality which includes working through story requirements/designs and performing acceptance testing Manage product communications and maintain product documentation Partner with the sales and account management teams in pre-sales and post-sales as both a functional and technical expert of product capabilities Ensure cross-functional teams from sales, customer success, and support are fully aware of product releases and are enabled to be successful Key Performance Measures Roadmap is maintained on a monthly cadence Ability to maintain target depth of ready backlog (e.g. 2 iterations) Quality of user research and user stories Maintain performance of user metrics for utilization, retention, and satisfaction Requirements and Experience 5+ years of experience as a product manager or owner in an agile environment Experience with modern SaaS products Experience and passion for user research and UX Proven ability to influence people internally and externally to drive outcomes Excellent verbal and written communication skills Strong business and technical aptitude Very detail-oriented and organized Strong problem-solving and troubleshooting skills Self-starter mentality with the ability to excel in a dynamic environment Bachelor's degree Bonus Points For Experience in an analytics-based SaaS product Business and data analysis skills Relevant experience in the sales domain Compensation $100K Base Salary + Bonus / 1% Equity Position Negotiable based on fit! Why CommercialTribe? Remote-first culture creates the flexibility you want We have a strong start-up vibe mixed with experienced professionals running the show Building cutting edge software paired with a fun, exciting, and challenging environment
    $100k yearly Auto-Apply 60d+ ago
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  • Demand Negotiator - Denver,CO

    Jacoby & Meyers

    Remote hostage negotiator job

    at Jacoby & Meyers Want to LOVE where you work and get full training to do it? Jacoby & Meyers is the nation's pre-eminent law firm protecting consumers since 1972. We are currently seeking a smart and determined Demand Negotiator to join our growing team. At Jacoby & Meyers, every single employee gets to make an impact. Our values guide the way we work with each other. It's a culture where you have the freedom to experiment and push your talents as far as they can go. Job Title: Demand Negotiator Pay Range: $24.00/hour - $36.00/hour Type of Position: Full Time Location: Denver, CO. Fully Remote Job Description: Core duties and responsibilities include the following. Other duties may be assigned. Review demand writer's demand packages to insurance companies Sort and read through medical records, insurance correspondence, and settlement releases on behalf of clients Summarize case facts and create persuasive arguments Negotiate clients' entire case with insurance adjusters to obtain the highest settlement possible Maintain communication with clients to guide them through the settlement process to ultimately settle their case with them Provide updates on case status using CRM software Qualifications: At least 2 years of experience as a Demand Writer in a Plaintiff's PI Firm Experience reading and understanding medical reports and records Bachelor's Degree from a 4 year university Very well organized Good follow-up and follow through Strong communication skills Spanish speaking is a plus! Computer Skills: To perform this job successfully, an individual should have knowledge of Internet software; Spreadsheet software and Word Processing software. What We Offer: Medical, Dental, Vision, and Pet Insurance Company-paid Life Insurance and AD&D Coverage, Voluntary Life Insurance Short-term and Long-term Disability Employee Assistance and Travel Assistance Programs Paid Time Off, Paid Sick Time, Paid Holidays Health FSA and Dependent Care FSA Hospital and Accident Insurance Plans Commuter Transportation Incentive Flexible Hours Fully-paid parking 401(k) with Company Match Learning and Development Programs Remote Positions About J&M: Jacoby & Meyers was founded in 1972 with the intention of making the legal system more accessible to the average person. Now, more than 50 years later, we continue to help people get the justice and compensation they deserve. Specializing in all types of accident claims, including automobile, motorcycle, bicycle, Uber/Lyft, or trucking accidents, slip and falls, dog bites, construction accidents and other wrongful conduct, the attorneys at Jacoby & Meyers have recovered over a billion dollars for their clients' personal injury and wrongful death claims caused by the negligence of a third party. Required: Resume and References Jacoby & Meyers is an Equal Opportunity Employer
    $24-36 hourly Auto-Apply 13h ago
  • Claims Negotiator I

    Allied Benefit Systems 4.2company rating

    Remote hostage negotiator job

    Negotiate out-of-network claim payments with providers on behalf of group health plans. Such negotiations will be based on 1) various types of cost data, including “reasonable and customary” benefit levels and Medicare pricing, and 2) billing irregularities. ESSENTIAL FUNCTIONS Independently review and analyze health care claims for: 1) reasonableness of cost; 2) medically unnecessary treatment by physicians and hospitals; and 3) fraud. Determine whether a health plan provides benefits in connection with the claim submitted and the level of benefits to be paid to the provider. Contact providers to negotiate discounts. Reprice claims to the applicable Medicare rate. Log negotiated claims into the Access database and create weekly summary reports. Review and understand the terms and conditions of each client's customized plans. Understand and comply with all applicable privacy and security laws, including but not limited to HIPAA, and any regulations promulgated thereto. Request, review and analyze any physician notes, hospital records or police reports. Consult with other entities who can offer additional evaluation of a claim. Process claims in the QicLink System. Review, analyze and add applicable notes to the QicLink System. Document all information gathered in available systems as needed, including the QicLink System and alliedbenefit.com. Review billed procedure and diagnosis codes on claims for billing irregularities. Analyze claims for billing inconsistencies. Review and analyze specific procedure and diagnosis codes for medical necessity. Authorize payment, partial payment or denial of claim based upon individual investigation and analysis. Review Suspended Claim Reports and follow up on open issues. Assist and support other team members as needed and when requested. Attend continuing education classes as required, including but not limited to HIPAA training. Performs other related duties as assigned EDUCATION Bachelor's degree or equivalent work experience required. EXPERIENCE AND SKILLS A minimum of 5 years of medical claims analysis experience required. Must have strong analytical skills. Must have knowledge of computer systems and CPT and ICD-9 coding terminology. POSITION COMPETENCIES Job Knowledge Time Management Accountability Communication Initiative Customer Focus PHYSICAL DEMANDS This is a standard desk role - long periods of sitting and working on a computer are required. 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!
    $58k-85k yearly est. 11d ago
  • Settlement Negotiator (Personal Injury Law) - REMOTE

    BD&J 4.3company rating

    Remote hostage negotiator job

    Based in Los Angeles, BD&J is the leading personal injury law firm seeking experienced, quality team members. Having recovered over $2 billion for our clients, we pride ourselves with experience our clients can trust. We are seeking a Settlement Negotiator to join our team. Responsibilities include: Strategically negotiate settlement amounts on bodily injury claims against insurance companies. Analyze the costs of a case settling vs going to litigation. Discover new innovative ways to increase case value. Familiarize yourself with cases by reviewing the demand package. Work closely with internal teams and the client to strategize and implement negotiation tactics Skills & Requirements: Qualified candidate will have 2+ years negotiating bodily injury claims. Excellent research and communication skills are required. Must be familiar with reading medical reports and bills. The ideal candidate will have experience with serious injury cases. Bilingual in Spanish a plus. We offer an excellent compensation package including: Guaranteed Competitive pay plan, unlimited earning potential. Proficiency/performance bonus. 401K 80 hours of vacation the first year of employment Paid Holidays. Medical, dental, vision and life insurance. Supplemental insurance. Opportunity for advancement. At BD&J, we have a clear vision: to be the place where a diverse mix of talented people want to come, stay and do their best work. We pride ourselves on bringing the best results to our clients and know our company runs on the hard work and dedication of our passionate and creative employees. BD&J is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. BD&J is an Equal Opportunity/Affirmative Action Employer dedicated to a policy of compliance with all federal, state and local laws regarding nondiscrimination in employment. No questions included in our application process are intended to secure information to be used for unlawful purposes. Consistent with the provisions of the American with Disabilities Act (ADA), applicants may request accommodations needed to participate in the application process.
    $55k-68k yearly est. 14d ago
  • Derivatives Documentation Legal Negotiator - Associate

    Deutsche Bank 4.9company rating

    Remote hostage negotiator job

    Job Title Derivatives Documentation Legal Negotiator Corporate Title Associate As a member of Deutsche Bank's Legal Department in Jacksonville, Florida, working with our Global Legal Documentation team, your responsibilities will include drafting, reviewing, negotiating, tracking and recording fixed income and Foreign Exchange (FX) trading documentation - mainly but not limited to ISDA master agreements. Your role will involve supporting the Legal Department in various tasks and projects, liaising directly with the front office and other internal global groups, as well as the Bank's client base. What We Offer You A diverse and inclusive environment that embraces change, innovation, and collaboration A hybrid working model, allowing for in-office / work from home flexibility, generous vacation, personal and volunteer days Employee Resource Groups support an inclusive workplace for everyone and promote community engagement Competitive compensation packages including health and wellbeing benefits, retirement savings plans, parental leave, and family building benefits Educational resources, matching gift and volunteer programs What You'll Do Draft and negotiate trading documentation with the Bank's clients. Such trading documentation may include ISDA Master Agreements, Credit Support Annexes, Master Repurchase Agreements, Global Master Repurchase Agreements, Securities Lending Agreements, Cleared Derivatives Execution Agreements, Prime Brokerage Agreements and other ancillary documents Perform administrative and recordkeeping tasks in accordance with the Bank's policies, systems and procedures Liaise with other internal departments (i.e., credit, risk, compliance, operations, treasury, tax, etc.) as necessary Perform remediation actions as needed Assist with both Legal-specific and Bank-wide ad hoc projects Skills You'll Need Paralegal or Law degree Experience working at a law firm, financial institution, investment bank or asset management firm Experience with one or more trading agreements of the kinds listed above is strongly preferred Highly organized and able to work in an efficient manner balancing simultaneous competing matters A team player with strong interpersonal skills and problem-solving approach Great communication skills, both written and oral, and teamwork attitude Skills That Will Help You Excel Technology savvy with interest in applying/utilizing/developing artificial intelligence tools Spanish speaking and writing abilities a plus Expectations It is the Bank's expectation that employees hired into this role will work in the Jacksonville FL office in accordance with the Bank's hybrid working model. Deutsche Bank provides reasonable accommodations to candidates and employees with a substantiated need based on disability and/or religion. The salary range for this position in Jacksonville is $60,000 to $86,000. Actual salaries may be based on a number of factors including, but not limited to, a candidate's skill set, experience, education, work location and other qualifications. Posted salary ranges do not include incentive compensation or any other type of remuneration. Deutsche Bank Benefits At Deutsche Bank, we recognize that our benefit programs have a profound impact on our colleagues. That's why we are focused on providing benefits and perks that enable our colleagues to live authenti cally and be their whole selves, at every stage of life. We provide access to physical, emotional, and financial wellness benefits that allow our colleagues to stay financially secure and strike balance between work and home. Click here to learn more! Learn more about your life at Deutsche Bank through the eyes of our current employees *************************** The California Consumer Privacy Act outlines how companies can use personal information. If you are interested in receiving a copy of Deutsche Bank's California Privacy Notice please email ****************. #LI-HYBRID We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status or other characteristics protected by law. Click these links to view Deutsche Bank's Equal Opportunity Policy Statement and the following notices: EEOC Know Your Rights; Employee Rights and Responsibilities under the Family and Medical Leave Act; and Employee Polygraph Protection Act.
    $60k-86k yearly Auto-Apply 12d ago
  • Debt Negotiator (Creditor Escalations)

    National Debt Relief 4.5company rating

    Remote hostage negotiator job

    As a Debt Negotiator (Creditor Escalations), you'll help clients regain control of their financial futures by negotiating directly with creditors and law firms to secure favorable settlements and resolve accounts with integrity and efficiency. The Debt Negotiator (Creditor Escalations) role centers on high-volume creditor negotiations conducted in accordance with the FDCPA (Fair Debt Collection Practices Act), with the goal of reaching settlements that are in the best interest of our clients. You'll manage client files, research account details, and maintain momentum by averaging about 4 hours of talk time and 20-30 outbound calls per day to keep accounts moving toward resolution. Every interaction requires proactive urgency and the use of proven negotiation practices to maximize client savings and close accounts effectively, accelerating their path toward financial stability. Step into a role where you boldly advocate for clients seeking debt relief, leading each negotiation with confidence and a commitment to transforming lives. If you're motivated by impactful conversations, fast-paced problem-solving, and seeing the results of your work every day, this is a role where you'll thrive. This is a full-time remote role with an expected start date of 2/23/2026. Responsibilities Negotiate client debts to completion by communicating client hardships, reviewing client savings to determine funds necessary to complete settlements, and obtaining a settlement that will halt legal action Establish and maintain contact relationships with law firms Analyze client portfolios to determine the best strategy to help clients achieve financial freedom as quickly as possible Review client's banking account to determine funds necessary and available to execute the program Responsible for achieving monthly KPIs set by management Gather and submit required legal documentation for approval and payment of accounts Liaise with law firms for client account data and document exchanges Work with attorneys and paralegals to resolve accounts where the collection effort has been escalated to a law firm Communicate with creditors via phone or email to get up-to-date information, including litigation information in service to provide client debt relief Work with other members of the team to ensure efficient process Manage confidential information/documents with a high level of discretion Perform other duties as directed by manager(s) Qualifications Bachelor's degree preferred, or relevant work experience Experience working in a metrics based/goals driven environment preferred Analytical mindset with a strong business acumen, professionalism, and communication skills High energy, competitive, articulate, passionate, and motivated to provide best in class service for clients Desire to work in a collaborative, team-oriented environment Multi-tasker with great organizational skills Ability to easily build rapport with clients and creditors National Debt Relief Role Qualifications: Computer competency and ability to work with a computer Prior experience using a CRM platform (Salesforce preferred) Prioritize multiple tasks and projects simultaneously Exceptional written and verbal communication skills Punctuality expected, ready to report to work on a consistent basis Attain and maintain high performance expectations on a monthly basis Work in a fast-paced, high-volume setting Use and navigate multiple computer systems with exceptional multi-tasking skills Remain calm and professional during difficult discussions Take constructive feedback Available for full-time position, overtime eligible if classified non-exempt Compensation Information Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for each position across the US. Within the range, individual pay is determined by work location, job-related skills, experience, and relevant education or training. This good faith pay range is provided in compliance with NYC law and the laws of other jurisdictions that may require a salary range in job postings. Base rate for this position starts at $19.81/hr ($41,204.80 annually). Role is eligible for performance-based bonuses which bring total average compensation to $80,000 annually. The top 25% of the team can make up to $90,000. About National Debt Relief National Debt Relief was founded in 2009 with the goal of helping an expanding number of consumers deal with overwhelming debt. We are one of the most-trusted and best-rated consumer debt relief providers in the United States. As a leading debt settlement organization, we have helped over 450,000 people settle over $10 billion of debt, while empowering them to lead a healthier financial lifestyle and feel free to live their best life. At National Debt Relief, we treat our clients like real people. Our purpose is to elevate, empower, and transform their lives. Rated A+ by the Better Business Bureau, our goal is to help individuals and families get out of debt with the least possible cost through conducting financial consultations, educating the consumer and recommending the appropriate solution. We become our clients' number one advocate to help them reestablish financial stability as quickly as possible. Want to learn more about who we are? Connect with us on social media! Benefits National Debt Relief is a team-oriented environment full of rewards and growth opportunities for our employees. We are dedicated to our employee's success and growth within the company, through our employee mentorship and leadership programs. Our extensive benefits package includes: Generous Medical, Dental, and Vision Benefits 401(k) with Company Match Paid Holidays, Volunteer Time Off, Sick Days, and Vacation 12 weeks Paid Parental Leave Pre-tax Transit Benefits No-Cost Life Insurance Benefits Voluntary Benefits Options ASPCA Pet Health Insurance Discount Access to your earned wages at any time before payday National Debt Relief is a certified Great Place to Work ! National Debt Relief is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, or any other status protected by law. For information about our Employee Privacy Policy, please see here For information about our Applicant Terms, please see here #LI-REMOTE
    $21k-43k yearly est. Auto-Apply 3d ago
  • Personal Injury Negotiator

    Jacoby & Meyers

    Remote hostage negotiator job

    at Jacoby & Meyers Want to LOVE where you work and get full training to do it? Jacoby & Meyers is the nation's pre-eminent law firm protecting consumers since 1972. We are currently seeking a smart and determined Personal Injury Negotiator to join our growing team. At Jacoby & Meyers, every single employee gets to make an impact. Our values guide the way we work with each other. It's a culture where you have the freedom to experiment and push your talents as far as they can go. Job Title: Personal Injury Negotiator Pay Range: $24.00/hour - $36.00/hour Type of Position: Full Time Location: Fully Remote Job Description: Core duties and responsibilities include the following. Other duties may be assigned. Review demand writer's demand packages to insurance companies Sort and read through medical records, insurance correspondence, and settlement releases on behalf of clients Summarize case facts and create persuasive arguments Negotiate clients' entire case with insurance adjusters to obtain the highest settlement possible Maintain communication with clients to guide them through the settlement process to ultimately settle their case with them Provide updates on case status using CRM software Qualifications: At least 2 years of experience as a Demand Negotiator in a Plaintiff's PI Firm or as a Claims Adjuster Experience reading and understanding medical reports and records Bachelor's Degree from a 4 year university Very well organized Good follow-up and follow through Strong communication skills Spanish speaking is a plus! Computer Skills: To perform this job successfully, an individual should have knowledge of Internet software; Spreadsheet software and Word Processing software. What We Offer: Medical, Dental, Vision, and Pet Insurance Company-paid Life Insurance and AD&D Coverage, Voluntary Life Insurance Short-term and Long-term Disability Employee Assistance and Travel Assistance Programs Paid Time Off, Paid Sick Time, Paid Holidays Health FSA and Dependent Care FSA Hospital and Accident Insurance Plans Commuter Transportation Incentive Flexible Hours Fully-paid parking 401(k) with Company Match Learning and Development Programs Remote Positions About J&M: Jacoby & Meyers was founded in 1972 with the intention of making the legal system more accessible to the average person. Now, more than 50 years later, we continue to help people get the justice and compensation they deserve. Specializing in all types of accident claims, including automobile, motorcycle, bicycle, Uber/Lyft, or trucking accidents, slip and falls, dog bites, construction accidents and other wrongful conduct, the attorneys at Jacoby & Meyers have recovered over a billion dollars for their clients' personal injury and wrongful death claims caused by the negligence of a third party. Required: Resume and References Jacoby & Meyers is an Equal Opportunity Employer
    $24-36 hourly Auto-Apply 13h ago
  • Lien Negotiator

    Jacoby & Meyers

    Remote hostage negotiator job

    at Jacoby & Meyers Want to LOVE where you work and get full training to do it? Jacoby & Meyers is the nation's pre-eminent law firm protecting consumers since 1972. We are currently seeking a smart and determined Lien Negotiator to join our growing team. At Jacoby & Meyers, every single employee gets to make an impact. Our values guide the way we work with each other. It's a culture where you have the freedom to experiment and push your talents as far as they can go. Job Title: Lien Negotiator Pay Range: $24.00/hour - $28.00/hour Type of Position: Full Time Location: Fully Remote Job Description: A potential lien negotiators primary function will be to negotiate post-settlement liens, including health insurance liens, hospital liens, private medical provider liens, and state and federal medical provider liens. They will also be responsible for finalizing the case and providing clients with the best recovery possible and exhibit a high level of efficiency and proficiency. Core duties and responsibilities include the following. Other duties may be assigned. Regularly keeping clients informed Providing status updates to providers Drafting reduction letters Obtaining final medical balances at settlement Assemble, organize, and itemize client medical bills Communicate with Medi-cal and Medicare Qualifications: Proficiency with Microsoft Word and Excel Attention to detail Maintain professional demeanor on the phone and in all business communications Ability to meet deadlines and quotas Ability to multitask Work both independently and as a member Computer Skills: To perform this job successfully, an individual should have knowledge of Internet software; Spreadsheet software and Word Processing software. What We Offer: Medical, Dental, Vision, and Pet Insurance Company-paid Life Insurance and AD&D Coverage, Voluntary Life Insurance Short-term and Long-term Disability Employee Assistance and Travel Assistance Programs Paid Time Off, Paid Sick Time, Paid Holidays Health FSA and Dependent Care FSA Hospital and Accident Insurance Plans Commuter Transportation Incentive Flexible Hours Fully-paid parking 401(k) with Company Match Learning and Development Programs Remote Positions About J&M: Jacoby & Meyers was founded in 1972 with the intention of making the legal system more accessible to the average person. Now, more than 50 years later, we continue to help people get the justice and compensation they deserve. Specializing in all types of accident claims, including automobile, motorcycle, bicycle, Uber/Lyft, or trucking accidents, slip and falls, dog bites, construction accidents and other wrongful conduct, the attorneys at Jacoby & Meyers have recovered over a billion dollars for their clients' personal injury and wrongful death claims caused by the negligence of a third party. REQUIRED: Resume and References Jacoby & Meyers is an Equal Opportunity Employer
    $24-28 hourly Auto-Apply 13h ago

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