Program director jobs in Ramapo, NY - 501 jobs

A leading financial institution in Greenwich, Connecticut is seeking a Private Banker to manage client relationships, advising on investments and wealth planning. The ideal candidate will have over six years of experience in financial services and possess relevant licenses. This role requires a focus on client needs and generating new business, along with collaboration with internal specialists to provide comprehensive financial solutions. #J-18808-Ljbffr

The ideal candidate will be comfortable outlining and planning all aspects of work related to a given project such as budget, timelines and teams. They will have strong communication skills that enable them to effectively communicate with all relevant teams. This individual should be able to foresee any problems related to the completion of a project and act in a timely manner to mitigate any issues. Responsibilities Develop timelines, budget, teams, and plan for the given project Ensure high-quality work is produced Anticipate and solve any problems related to the program Conduct performance reviews and evaluate the program Facilitate communication between relevant teams Qualifications Bachelor's degree, 5+ years of experience in program management Proficient in the Microsoft Office suite Strong communication, organizational, analytical, and critical thinking skills Aerospace & Defense, or Satellite Communications SATCOM Industry experience. If you would like to learn more, please reply to this ad by submitting a current resume. Best regards, Tom Merlo - Executive Recruiter

A leading financial institution is looking for a Public Finance Attorney in Stamford, Connecticut. In this role, you will advise the Public Finance business on legal and regulatory issues, review and negotiate agreements, and manage a legal team. Ideal candidates should have a Juris Doctor, at least 7 years of experience, and strong communication skills. The role offers competitive benefits and is part of an inclusive workplace culture. #J-18808-Ljbffr

Provides day to day support with all aspects of 401k & pension retirement plan execution tasks, activities including, workday go-live support and associated work. Tasks include: Manage Retirement Programs: Execute all retirement plans (both qualified and nonqualified) activities. Help employees, HR staff, and managers understand these programs by researching, answering questions, issues or escalations in a timely and customer service focused manner. Ensure Legal Compliance: Work with legal advisors and service providers to follow all retirement plan laws. Complete required filings, audits, reports, and plan documents. Coordinate Compliance Activities: Coordinate fiduciary meetings, required testing, audits, and other tasks to keep retirement plans running. Support Daily Operations including Workday readiness, testing & go-live: Help HR Services and HR systems team with everyday questions and fixes. Support Team Projects: Run projects with different departments including HR operations, shared services, benefits team members, business units, labor relations, and outside vendors. Maintain Documentation: Make sure programs and processes are properly documented and managed. Keep high standards for service and legal compliance.

Title: Program Manager Duration: 12 months At Cogent Infotech, we believe in creating opportunities that empower individuals and transform organizations. With over 21 years of excellence in consulting and talent solutions, we pride ourselves on building inclusive workplaces and driving innovation in everything we do. Our diverse teams bring unique perspectives to help deliver cutting-edge solutions to global clients across both public and private sectors. Position Summary The Program Manager role will support the Renewables and Development Project Office to design and deliver a scalable and sustainable program. The successful candidate will have proven project management business capabilities to execute a program in a four-phase approach: policies, tool kits, visual dashboards, and business partner hub. Key Responsibilities Responsible for the end-to-end project management to support the strategic business and operational goals of the organization. The Program Manager will, in collaboration with core team members, develop working groups comprised of SMEs, key personnel, and stakeholders to develop business plans; ensuring alignment with the Office's core strategy and short and long-term objectives including establishing polices and tool kits. Candidate will develop media hub for Office's operations and activities. Assess Business Readiness, Develop Project Scope, Lead the new program implementation. Prepare, maintain, and update project plans, agendas, and systems set-up for the Program. This includes determining program steps, activities, the sequence of events, critical success paths, dependencies, RACI charts, and the duration of tasks. Establish and track milestones, and delivery dates for the Project and underlying process enhancements. Coordinate work of cross-departmental teams to ensure Program objectives are achieved and timelines are met. Follow up with various stakeholders to ensure that the Program plan is executed as expected. Monitor project deliverables and progress through the duration of the project plan, managing deviations as appropriate, including project scope. Identify factors jeopardizing the project and escalate issues as appropriate, recommending solutions to senior project team members. Work with local management to plan and schedule participation of key stakeholders in testing activities. Provide leadership, guidance, and support during management of the execution of testing activities monitoring progress. Ensure open communication across project teams and handle broad-based, often complex, communication for internal and/or external audiences. Define and manage the workstream and documents of projects (schedule, tasks, cost, changes/risks/issues) via new procedures, and tools for assigned projects. As needed, manage all project workstreams. Required Qualifications and Skills Bachelor's Degree in a technical or business discipline. An advanced degree is preferred. Experience in leading initiatives across organizational boundaries. Ability to work cross-functionally with multiple different Business Partners at all levels of the Business, including at the executive level. Strong and tested project management skills including Customer relationship management, Sponsor expectation management, Risk management, and Change Management. Capable exceptional, highly polished written and oral communication for executive-level presentations for EVP and Board level audiences. Outstanding record of project management success, both in results achieved and in use of professional methodology. Desire knowledge of key tools within the industry and the organization (Procore, Monday, SAP, PVsyst, etc.). Desire knowledge of key CRM systems and Project systems and how to integrate data across work platforms. Desire to have a background or knowledge of our specific industries and technologies (Solar, Wind, Other renewables, Transmission, etc.) Equal Opportunity & Inclusion Statement Cogent Infotech is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment where everyone feels welcome and valued. We encourage applications from individuals of all backgrounds, identities, abilities, and experiences. If you're excited about this role but don't meet every requirement, we still encourage you to apply Application Process Please submit your resume and a short cover letter through our online portal. Our process includes an initial resume review, a virtual interview, and a short technical assessment. If you need accommodations, feel free to inform us-we are happy to assist. Join Us At Cogent Infotech, your ideas matter. Join a purpose-driven organization that celebrates diversity, encourages collaboration, and invests in your future.

Basic Qualifications Education Requirements: Bachelor's degree or equivalent is required plus a minimum of 8 years relevant experience; or Master's degree plus a minimum of 6 years relevant experience to meet managerial expectations. Clearance Requirements: Department of Defense Secret security clearance is required at time of hire with the ability to obtain a TS. Applicants selected will be subject to a U.S. Government security investigation and must meet eligibility requirements for access to classified information. Due to the nature of work performed within our facilities, U.S. citizenship is required. Responsibilities for this Position The responsibility is career-defining. So is the opportunity. At General Dynamics Mission Systems, we invent the technologies, products and services, that help our nation's heroes keep our nation safe. The work is so advanced, our teams regularly redefine innovation and excellence for the world. If you're looking for a challenge, you've just found it. We apply advanced technologies such as Artificial Intelligence, Blockchain, AR/VR, Cloud Native and Quantum Physics to solve our customers' missions in cyber, RF, undersea, interstellar and everything in between. As a seasoned team leader, you'll use proposal plans and strategies to lead a team in developing, defining, and implementing cohesive, integrated program/product, subcontractor, and material plans, and business plans that achieve overall current and long-term objectives of the program/product, business unit, and division. The Program Manager will identify needed resources for projects, define and assign major program roles, lead the establishment of and sets integrated WBS-based budget and schedule baselines, and monitor work accomplished to baseline plans to ensure rate of work completion is sufficient to meet program/product schedules. We'll rely on you to balance program risks and opportunities with executable strategies to meet technical requirements and budgets, as well as manage people who lead cross-functional program teams in matrix organization that are focused on the delivery of a product or computer-based system from design to release for customers. GDMS has an immediate opening for an engineering and product development Program Manager to join our team in the Intelligence Systems Business Area working in our Analysis, Collection, and Exploitation Segment. Responsibilities for this Position: This position provides an opportunity for a leader to drive the development and market acceptance of cutting-edge technology for robust communications and cyber operations programs, products, and solutions designed to meet Intelligence Communities and Department of Defense users' mission objectives. We seek an individual who will provide business, customer and market leadership for cross functional teams on new program developments. Central to success will be a market-oriented focus and entrepreneurial attitude towards taking ownership for the success of a program, as well as customer-oriented focus and customer intimacy to ensure the successful execution of a program. Success will require cross collaboration with Executive Management, Finance, Contracts, Engineering, Resource Management, and Manufacturing. Key Responsibilities: Oversee all activities for program(s)/product(s) from definition to development, launch, release, upgrades, and sustainment Represent the program(s) as the expert and evangelist with knowledge of technical specifications and requirements, market and customer/user needs, and market competition Create the program/product roadmap with recommended features and enhancements and prioritization of market driven requirements to meet market needs, ROI, Sales and growth objectives Define business/user requirements for IS program(s)/product(s) and upgrades Recommend the scope of present and future program(s)/product(s) by reviewing and recommending new ideas Drive program strategies that drive baselines across the portfolio by planning, scheduling, estimating, and conducting reviews for individual milestones Manage and drive internal gate reviews to execute commitments including staffing coordination with Engineering Resource Management Formulate and execute long-term plans cost/profit control Act as Government interface for program/product development support, compliance and releases approvals and certifications Manage Configuration Control for program(s)/product(s) Develops, defines and executes program plans, schedules, budgets and deliverables Lead the development of strategies for winning development programs and ensure the team is creating compelling proposals based on scientific and technical rigor coupled with a solid understanding of the customers' needs, desires, and constraints Serve as the primary point of contact to customer organizations and develop trusted relationships earned through genuine and productive engagements focused on collaborative problem solving Leads the establishment of and sets integrated WBS-based budget and schedule baselines including management reserve for advanced development programs/products or major subcontracts where the scope is not well defined and there is significant possibility for change Monitors work accomplished to baseline plans to ensure rate of work completion is sufficient to meet program/product schedules, develops corrective actions, and communicate issues, impacts and corrective actions to program teams Balances programs, risks and opportunities with executable strategies to meet technical requirements and budgets Manages people who lead department or cross-functional program teams in matrix organization to achieve schedule, cost, and technical performance objectives Interfaces with customers on technical matters regarding program/products Provide reporting and status to Leadership team Support business leadership in performing: Market Analysis to identify and quantify market needs and identifies opportunities as well as evaluating competitor offerings Strategic Planning to capture the approach to maximize return from investment in the market and align with available resources and plans Program/Product Planning to refine scope, schedule of the complete Program/Product Plan Risks and Opportunities are identified and mitigation activities tracked Configuration Control of the program/product baselines Program/Product Life-cycle Management, from initial concept through product end of life #LI-Hybrid Salary Note This estimate represents the typical salary range for this position based on experience and other factors (geographic location, etc.). Actual pay may vary. This job posting will remain open until the position is filled. Combined Salary Range USD $172,563.00 - USD $186,719.00 /Yr. Company Overview General Dynamics Mission Systems (GDMS) engineers a diverse portfolio of high technology solutions, products and services that enable customers to successfully execute missions across all domains of operation. With a global team of 12,000+ top professionals, we partner with the best in industry to expand the bounds of innovation in the defense and scientific arenas. Given the nature of our work and who we are, we value trust, honesty, alignment and transparency. We offer highly competitive benefits and pride ourselves in being a great place to work with a shared sense of purpose. You will also enjoy a flexible work environment where contributions are recognized and rewarded. If who we are and what we do resonates with you, we invite you to join our high-performance team! Equal Opportunity Employer / Individuals with Disabilities / Protected Veterans

Our Pharmaceutical client is seeking an experienced Program Manager to support Centers of Excellence (COE) initiatives across enterprise applications and solution delivery. This role is critical to ensuring effective program execution, vendor management, capability mapping, and application lifecycle oversight within a regulated pharmaceutical environment. Offering a collaborative, innovative environment where your work directly supports the delivery of life-changing therapies. You'll partner with world-class teams, work on meaningful programs, and have the opportunity to make a real impact. Key Responsibilities: Lead and manage programs within designated Centers of Excellence (COEs), ensuring alignment with enterprise strategy and delivery goals. Oversee end-to-end Application Lifecycle Management (ALM), from initial concept and development through deployment, optimization, and retirement. Manage vendor relationships across COEs, ensuring performance, quality, and alignment with program objectives. Support capability management and mapping in partnership with Enterprise Architecture and Solution Delivery teams. Maintain a strong working knowledge of major pharma industry applications, enabling effective COE governance and informed decision-making. Coordinate resource utilization across multiple projects and applications, balancing priorities and capacity. Develop and maintain integrated program plans, timelines, budgets, risks, and dependencies. Facilitate cross-functional collaboration across IT, R&D, Clinical, Manufacturing, Regulatory, and Commercial teams. Track program performance and provide clear, concise status updates to leadership and stakeholders. Identify risks and issues early, escalate appropriately, and drive mitigation strategies. Promote best practices in program governance, delivery, and vendor management. Required Qualifications: Bachelor's degree required; advanced degree or PMP preferred. 5-7+ years of program or project management experience in the pharmaceutical or biotech industry. Demonstrated experience managing enterprise applications and understanding their functional capabilities within pharma. Strong knowledge of Application Lifecycle Management (ALM) and the full lifecycle of applications from ideation to retirement. Proven experience with COE management, enterprise programs, or large-scale initiatives. Experience managing vendors and external partners across multiple workstreams. Familiarity with enterprise architecture concepts and solution delivery models. Excellent communication, organizational, and stakeholder management skills. Ability to influence without direct authority in a matrixed environment. Benefits of the Program Manager: Pay range: $90/hr - $120/hr Health, Dental, Vision Insurance Matching 401K Location: Tarrytown, NY (MUST be able to work onsite 4 days per week) Long term contract #IND1

Job Classification: Project Mgmt, Transformation & Strategy - Project Mgmt, Transformation & Strategy A GLOBAL FIRM WITH A DIVERSE & INCLUSIVE CULTURE As the Global Asset Management business of Prudential, PGIM is always looking for ways to improve financial services. We're passionate about making a meaningful impact - touching the lives of millions and solving financial challenges in an ever-changing world. We also believe talent is key to achieving our vision and are intentional about building a culture on respect and collaboration. When you join PGIM, you'll unlock a motivating and impactful career - all while growing your skills and advancing your profession at one of the world's leading global asset managers! If you're not afraid to think differently and challenge the status quo, come and be a part of a dedicated team that's investing in your future by shaping tomorrow today. What You Will Do The Program Management Office (PMO) manages a portfolio of large multi-functional projects sponsored by Senior Leadership that execute the business strategy for PGIM. These high-impact initiatives are designed to achieve the following business drivers: Collaborate with cross-functional teams to lead projects and new business initiatives that drive business growth Modernize client facing deliverables to generate flexibility, improve timeliness, and create scalable processes Raise technical aptitudes and enable self-service across the organization to create further scale Deploy global collaboration and workflow tools to improve efficiency The PMO team is looking for a high-quality manager who has an affinity for project management, process improvement, and / or consulting-like assignments. The ideal candidate has a deep interest in understanding the business issues at hand, conducting analysis as needed, and implementing solutions that achieve the above business drivers. What You Can Expect Create and maintain project plans and status updates; identify and document project milestones and key emerging risks through task lists, project status updates, meeting agendas, meeting summaries, etc. Review and document current processes and provide business recommendations to restructure and improve processes; Leverage technologies to create efficiencies, as appropriate; Implement new processes / technical solutions and train business partners Coordinate with multiple internal and external partners to drive deliverables and strategic outcome; be persistent, direct, and flexible when carrying out follow-ups with business partners to move an initiative forward Build stakeholder communications for Senior Leadership of PGIM Fixed Income and project sponsors to provide status and progress updates including milestones, dependencies, risks, costs, etc. Assist in developing other related communications and deliverables as needed What You Will Bring 6-10 years of relevant work experience with majority of it in financial services industry. Proven experience in a project or business management role(s) (including planning, execution, monitoring, and control of large, cross-functional projects) Excellent problem-solving skills; Analytical mindset to resolve issues in a variety of complex situations Strong communications (written, verbal and interpersonal) skills, including tact, diplomacy, and ability to influence senior executives Proven self-starter with confidence to carry forward a large-scale project through planning, execution, and closing phases; Ability to multi-task and prioritize work across multiple initiatives / projects Strong PowerPoint, Excel, SharePoint, and Visio skills Asset management industry experience preferred, Knowledge of public and private fixed income strategies a plus Bachelor's or equivalent degree with strong record of academic achievement *PGIM welcomes all applicants, even if you don't meet every requirement. If your skills align with the role, we encourage you to apply. Note: Prudential is required by state specific laws to include the salary range for this role when hiring a resident in applicable locations. The annual base salary range for this role is from $130,000 to $160,000. Specific pricing for the role may vary within the above range based on many factors including geographic location, candidate experience, and skills. What we offer you: Market competitive base salaries, with a yearly bonus potential at every level. Medical, dental, vision, life insurance, disability insurance, Paid Time Off (PTO), and leave of absences, such as parental and military leave. 401(k) plan with company match (up to 4%). Company-funded pension plan. Wellness Programs including up to $1,600 a year for reimbursement of items purchased to support personal wellbeing needs. Work/Life Resources to help support topics such as parenting, housing, senior care, finances, pets, legal matters, education, emotional and mental health, and career development. Education Benefit to help finance traditional college enrollment toward obtaining an approved degree and many accredited certificate programs. Employee Stock Purchase Plan: Shares can be purchased at 85% of the lower of two prices (Beginning or End of the purchase period), after one year of service. Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program, whereby an award, if any, depends on various factors including, without limitation, individual and organizational performance. To find out more about our Total Rewards package, visit Work Life Balance | Prudential Careers. Some of the above benefits may not apply to part-time employees scheduled to work less than 20 hours per week. Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom. Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, sex, sexual orientation, gender identity, national origin, genetics, disability, marital status, age, veteran status, domestic partner status, medical condition or any other characteristic protected by law. If you need an accommodation to complete the application process, please email accommodations.hw@prudential.com. If you are experiencing a technical issue with your application or an assessment, please email *************************************** to request assistance.

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Director, Program Management The Director, Program Management role will have primary responsibility of managing a transformative and business critical multi-year program called OneHub, supporting the Cross-Border Services (XBS) business. XBS enables a wide range of cross-border payment flows and use cases, including trade payments, remittances, and disbursements. OneHub aims to address the complexity of cash management, FX, accounting, and finance for XBS through development of a platform including inhouse and external systems. In addition to OneHub, this role will have the responsibility to manage other strategic projects within Transfer Solutions department. This will also have people management responsibilities overseeing the work of junior team members who will assist in managing these projects. Working with Vice President of Program Management within Strategic Programs team in Transfer Solutions business group, the person in this role will help manage and lead various program activities such as initiative ideation, requirement gathering and validation, program planning, budget management, and vendor engagement across projects. This role will be responsible for engaging with multiple internal (e.g. Product, Engineering, Finance, Legal, Treasury and Controllers) and external teams (multiple vendors) to build OneHub. Role The responsibility is to perform program management across projects, enabling an acceleration in initiative execution and maintain momentum throughout the program life cycle. Key responsibilities include: Program Management: Plan, oversee, coordinate, deliver and assure related projects to achieve strategic objectives. Stakeholder Management: Engage and manage relationships with key internal and external stakeholders, ensuring their needs and expectations are met. Risk Management: Identify, assess, and mitigate risks to ensure program success. Budget Management: Oversee the program budget, ensuring financial resources are used effectively. Performance Monitoring: Track and report on program progress, using metrics to measure success and identify areas for improvement. Change Management: Manage changes in program scope, schedule, and resources, ensuring minimal disruption. Communication: Maintain clear and consistent communication across all levels of the organization. All About You * Prior experience of program/project management ownership in complex and multi-functional environment. * Experience of working with technology and product management teams to deliver projects. * Strong leadership skills, including getting work done through others, holding others accountable and leading a direction for the team. * Strong negotiation and influencing skills, and proven ability to lead complex cross-functional projects. * Proven track record of successfully managing multi-year programs and delivering complex projects on time and within budget * Excellent verbal and written communication skills including experience of presenting project progress to senior leadership. Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact reasonable_accommodation@mastercard.com and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard's security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines. In line with Mastercard's total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Mastercard benefits for interns generally include: 56 hours of Paid Sick and Safe Time; jury duty leave; and on-site fitness facilities in some locations. Pay Ranges Purchase, New York: $164,000 - $271,000 USD

Veolia in North America is the top-ranked environmental company in the United States for three consecutive years, and the country's largest private water operator and technology provider as well as hazardous waste and pollution treatment leader. It offers a full spectrum of water, waste, and energy management services, including water and wastewater treatment, commercial and hazardous waste collection and disposal, energy consulting and resource recovery. Veolia helps commercial, industrial, healthcare, higher education and municipality customers throughout North America. Headquartered in Boston, Veolia has more than 10,000 employees working at more than 350 locations across North America. Job Description Position Purpose: You contribute to Veolia's success by overseeing & executing implementation, compliance, legislative changes, analysis, plan management, administration support, vendor management, RFP & integration, relevant projects and communication of all retirement & financial benefit plans including, but not limited to, 401(k), pension, nonqualified programs, life insurance and/or retiree medical welfare plans. Provide support on union negotiations &/or merger and acquisition (M&A) initiatives by assessing retirement proposals during negotiations, potential acquisitions due diligence and leading the integration of retirement & financial benefit strategies and programs for newly acquired entities. Individual contributor role. Primary Duties/Responsibilities: Manage, support and deliver employee qualified and nonqualified retirement programs projects and other financial benefits and education for employees, HR team and managers. Support retirement programs project management for union negotiations &/or acquired companies &/or M&A, oversee the project and implementation of competitive harmonized retirement benefits. Partner with ERISA counsel and vendors to ensure compliance requirements meet or exceed for all retirement plans including providing guidance regarding new or existing DOL and IRS regulations relating to plan audits, financial reporting, government form filings (e.g., Form 5500), funding notices (SAR/AFN) and reporting, SPD/plan amendments etc. Maintain awareness of current retirement benefits programs, market trends, legislative, tax, and social changes. Assess impact to the Company's programs and design, advise senior leadership on recommended improvements and necessary updates, and manage implementation of changes as needed. Lead the communication/marketing of benefits programs to ensure that the financial investment is optimized through employee understanding, attraction and retention. Develop fiscal year budget for all retirement program costs. Accountable for tracking plan costs on monthly, quarterly &/or annual basis. Serve as liaison and manage relationships with investment advisors with regard to investment management, quarterly fiduciary meetings, etc. Coordinate fiduciary meetings, non-discrimination testing, audits and/or any other matters related to retirement & financial benefit plans to ensure compliant plan management. Design, develop, monitor, and analyze benchmarking data and other metrics relevant to retirement and financial benefits. Partner with People (HR) Services & HRIS to provide guidance and support timely day to day matters &/or corrections. Support evaluation, recommendation and/or selection of retirement and/or financial benefit providers. Make recommendations to management and act as a key facilitator for decisions in negotiations with benefit providers, auditors and consultants for services and implement all programs and initiatives on time, on budget as approved. Lead & execute projects and initiatives with cross functional areas, such as internal shared services, other members of the benefits' team, business unit teams, labor relations and/or outside vendors. Collaborate with HR partners to ensure a good understanding of programs and policies and to ensure coordination across groups. Ensure programs and processes are documented, appropriately administered and that the highest standards of service and compliance are regularly met. Serve in a consultative role for Canadian benefits team. Work Environment: Office work environment. Qualifications Education/Experience/Background: BA or BS in a related area or equivalent experience required; graduate degree preferred. 8+ plus years of experience with a strong background development, compliance and delivery of qualified defined contributions (401(k), defined benefits (pension) and retiree welfare retirement benefit programs for large companies. Combination corporate & consulting experience preferred. Combined with 4+ years of M&A activities & complex labor unions environment. Experience merging & managing complex U.S. & Puerto Rico qualified and non-qualified defined benefits (DB) and defined contribution (DC) plans for acquired companies and complex complex labor unions individual & multiemployer retirement plans is required. Demonstrated experience with Workday HRIS, Defined Contribution (DC) & Defined Benefits (DB) provider tools (e.g., Fidelity 401k provider, Wex benefits administration, WTW EEpoint) system, pension administration tools & AI experience required. Experience in working in an environment with HR Shared Services or outsourced HR Operations. Experience in administration of both pension & 401k Defined Benefits (DB) & Defined Contribution (DC) retirement plans. Knowledge/Skills/Abilities: High level of attention to detail. Proven ability to develop and monitor processes to ensure plan management is of the highest quality. Proven project management skills & demonstrated experience with project management tools. Excellent capability to utilize Google Suite products such as Google Doc, Google Sheets & Google Slides. Comprehensive knowledge of retirement benefit plan principles and practices, as well as state and federal government regulations, compliance & operations. Strong analytical skills and understanding of retirement actuarial concepts and problem-solving skills, to assess, identify problems and escalate when necessary. A track record of building strong relationships and people partnership skills. Excellent verbal and written communication skills to participants, vendor partners and broad level of internal stakeholders. Strong ability to present information in an objective and logical manner for effective decision making as well as strong negotiation and influencing ability. Ability to work effectively in a fast-paced, team-oriented, "hands-on" environment. Ability to maintain confidential information. Knowledge of Canadian benefit plans an asset. Required Certification/Licenses/Training: Specialty retirement, compensation and/or benefits certification preferred. Additional Information Benefits: Veolia's comprehensive benefits package includes paid time off policies, as well as health, dental, vision, life insurance, savings accounts, tuition reimbursement, paid volunteering and more. In addition, employees are also entitled to participate in an employer sponsored 401(k) plan, to save for retirement. Pay and benefits for employees represented by a union are outlined in their collective bargaining agreement. We are an Equal Opportunity Employer! All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. Disclaimer: The salary, other compensation, and benefits information is accurate as of the date of this posting. The Company reserves the right to modify this information at any time, subject to applicable law.

Must Have Technical/Functional Skills Strong project management as well as relevant technical skills to manage projects and programs related to network expertise in routing (BGP, OSPF, EIGRP), switching (VLAN/VxLAN, STP, Spine-Leaf), multicast (PIM, IGMP), Cisco Nexus, trading systems (FIX, ITCH, OUCH), network monitoring (PCAP, Corvil, SFlow), and Python automation Roles & Responsibilities * 15+ years plus experience (we prefer experienced, disciplined and mature candidates) * Accountable for managing the lifecycle for a complex cross functional body of work that has a long term positive impact on the company * Define and organize the program, outline tenets, analyze data, drive performance improvements, and influence resource allocation for all stages of execution (from ideation to delivery). * Dive deep into the business domain to understand and to drive the direction of products/services using domain driven architecture approach. * Works closely with development teams to build and launch new products, features and programs. * Influences across multiple teams and organizations. * Drives internal and external process improvements across multiple teams and functions. * Operate successfully in ambiguous environments. * Monitor and track program execution to success by removing blockers and always find the path forward in challenging situations * Handles multiple contending priorities simultaneously in an exciting environment. * Communicates upward and outward * Has strong interpersonal skills. * Operates successfully in ambiguous environments. Salary Range: $150,000 to $170,000 per year

Program Director 21 st Century Community Learning Center New Jersey Community Development Corporation New Jersey Community Development Corporation is a multi-faceted community development and social service agency providing opportunities to transform lives in Passaic County. NJCDC is looking for a self-directed, talented individual to serve as a Program Director for its 21st Century Community Learning Center (CCLC) Grant. The CCLC grant funds academic and enrichment programs after school and during the summer for students in grades 9-12 at the John F. Kennedy Education Complex in Paterson, NJ. The position provides leadership in creating an inviting and safe environment for extra-curricular and academic opportunities for students. The Program Director is responsible for: working with teachers to design programs and overseeing instructors; conducting program evaluation and data collection; building and strengthening community partnerships; and participating in state and regional meetings, trainings, and workshops. Specific Responsibilities include: Planning and oversight of after school and summer programs for students in grades 9-12 at the four academy high schools located at JFK Educational Complex (SACT, STEM, BTMF and SET) Working with teachers, students, and school principals to design an exciting and engaging schedule of programs for academic enrichment, remediation, and exploration that meets the needs of students and families and the goals of the grant. Daily oversight of programs and staff while programs are in operation (after school and summer). Supervising all program staff including independent contractors, Site Coordinator, Teachers/Tutors, Enrichment Specialists, and other staff to ensure program goals and objectives are met Developing and strengthening an after-school and summer program of extra-curricular and academic activities for students in grades 9-12. Developing and maintaining a schedule for project based learning, academic, recreational, career development, service learning and extra-curricular activities. Building and maintaining relationships with program partners and sites, meeting regularly with school administrators and partners. Working with Evaluation team to conduct program evaluation and performance measurement. Developing student and family outreach, recruitment, and retention plans. Other duties as assigned. Qualifications Prospective applicants must have a Bachelor's Degree in Education, Social Work, Human Services or a related field, Master's Degree preferred; at least 3 years of experience in education and positive youth development providing school-based, after-school and summer related programming; experience working with at-risk youth ages 14-18; excellent interpersonal, written and verbal communication skills; strong organizational and time management skills; be detail-oriented; a proven ability to prioritize and meet deadlines; and the ability to work independently as well as with a team. Computer skills are also essential, with experience with Microsoft Word, Power Point and Excel, required. Attractive salary and benefits package will be provided.

Supervisor of Government Programs JobID: 5763 Administrative/Supervisor of Government Programs Additional Information: Show/Hide Irvington Public Schools Posting No. 5763 Positions: Supervisor of Government Programs Locations: Central Office Qualifications: * Bachelor's degree in Public Administration, Social Work, Business Administration, or a related field (Master's preferred) * Experience supervising staff within government or government-funded programs * Strong Leadership, organizational, and communication skills * Knowledge of compliance, reporting, and grant requirements * Ability to analyze data and manage multiple government programs or projects Responsibilities: * Supervise and support program staff, including training, scheduling and performance evaluations * Oversee program implementation to ensure goals, timelines, and deliverables are met * Ensure compliance with government regulations, policies, and funding requirements * Monitor budgets, expenditures, and resource allocation * Review reports, data, and outcomes to assess program effectiveness * Serve as a liaison between the agency, government entities, and community partners * Develop and improve program procedures and operational standards * Address operational issues and implement corrective actions when needed Program Duration: 2025-2026 School Year Hours: TBD Salary: TBD Interested candidates should apply and utilize the Irvington Board of Education Applitrack system as follows: If you have previously applied to the Irvington School District using our Applitrack system, please use the following URL and apply for the new position you are seeking: Continue/Modify an Existing Application **************************************************************************** If you have not previously applied to the Irvington School District using our Applitrack system, please use the following URL, create an account and apply for the position you are seeking: New Applicants ****************************************************************************** Incomplete applications will not be considered EARLY SUBMISSION APPRECIATED NO PHONE CALLS PLEASE EQUAL OPPORTUNITY EMPLOYER The Irvington Board of Education is an Equal Opportunity/Affirmative Action Employer and does not discriminate on the basis of race, color, creed, religion, age, gender, ancestry, national origin, social status, or physical disabilities.

We at aptus solutions, as the definition suggests, provide the "best", "most suitable", "fitting" solutions, Products and Services to our clients in achieving their goals within Information Technology. Aptus Solutions provides its clients extensive IT Solutions, Services and Products needed to become successful in within their business domain. Our IT services spans in three distinct Solutions and Services Categories: IT Project Management Tools, Solutions and Services Technology Outsourcing Solutions IT (HCM)- Human Capital Management Solutions Job Description Title : Pharma / Life sciences Program Manager Location: Florham Park/ Jersey City, NJ Full Time 16+ years of IT experience and atleast 8 years of managerial experience. Should have been in customer facing roles in managing large engagements for at least 5 years Should have managed large Pharma/CRO/Med devices customers Candidates should be team players with excellent communication skills and have the ability to manage multiple customer engagements independently. Possession of ITIL and PMI certifications are essential and not mandatory Good experience on responding to RFPs and defending the solution to customers Should have good understanding of Pharma / Life Science domain and regulatory requirements Should be able to transition the services to Offshore and manage the complete delivery in Onsite Offshore model Should be willing to travel for new engagements Additional Information This is IMMEDIATE requirement

Job Description Assistant Director, Day Program Services Start working to make a difference…. Life Opportunities Unlimited (LOU) is a premier boutique human service agency providing both residential and day program services for adults with developmental disabilities in Northern New Jersey. LOU is located in Ridgewood with programs in Northwest Bergen County: Allendale, Fair Lawn, Glen Rock, Haledon, Midland Park, Ridgewood, Township of Washington, and Waldwick. All of our locations are approximately 15 minutes from Passaic & Rockland Counties. LOU's Residential and Day Programs are conveniently located nearby NJ Transit, Bus Routes and Train Stations. Core Functions: Ensure adequate staffing in the program at all times Establish efficient and effective transportation routes to and from residents' homes as well as activities in the community Responsibilities: Responsible for all logistical aspects and operations of Life Opportunities Unlimited's Day Program and the clients who participate in these programs Work directly under the supervision of the Director of Day Program Services Manage and supervise staff to ensure all policies, procedures, and staffing requirements set by upper management, New Jersey Division of Developmental Disabilities, and Medicaid are followed Maintain all client and program records, including but not limited to each individual's: progress notes, individual plans, facility records, and vehicle records Assisting in the day program following the established budget guidelines Responsible for all program facilities, vehicles, and assets Work within the preset budget Act as a liaison between the Central Office, Group Homes, Families/Guardians, and Support Coordinators Collaborate with Support Coordinators, Job Coaches, Therapists, and all parties involved in each client's life to meet their evolving needs Attend all ISP meetings, company events, and organization-provided training sessions as directed Treat all clients and fellow staff with dignity and respect Complete ad hoc projects as necessary Responsible for trainings and conducting regular staff meetings for all program staff Maintain a positive and harmonious environment at all times Responsible for creating efficient transportation schedules for program participants, and when necessary, physically transporting clients in a company vehicle Responsible for managing staffs' schedules, PTO approval, training staff, reviewing performance, etc. Provide assistance in personal hygiene care, when necessary Monitor and properly administer medication in accordance with training and procedures Implement new skill development strategies for individual client growth Advocate for participants' self-expression and communication Follow through on any and all established behavior plans Cooperate with the licensee and Department staff in any inspection, inquiry, or investigation This is not an exhaustive list of the responsibilities of this position. Therefore, in this role, you are expected to do anything else deemed necessary for the betterment of the program and its participants. Join the LOU Team: We are committed to supporting our employees in their professional growth and career development. This commitment allows our teams to thrive in a passion-driven community that is focused on enriching the lives of our clients. We are looking for dedicated individuals that want to be an important part of building a better future for individuals with developmental disabilities. Staff stay at LOU for an average of 8 years. LOU is a great place for people to meet their professional goals and grow within the organization. You will be a successful team member if you are: Creative and able to adjust accordingly Organized and detail oriented Patient, compassionate, and caring Collaborative and communicate effectively with a team Mission-motivated and result driven Requirements: BS/BA or equivalent preferred but not required 1-3 years of management or leadership experience Must be 18 years or older Strong computer skills Successful administrative experience in a fast-paced environment Prior experience with complex calendar management Proficient in Microsoft Office (Word, PowerPoint, Excel) Experience with Google Workspace (Gmail, Google Calendar, Google Drive, etc.) Proven professional written and verbal communication skills Strong analytical and problem-solving skills Possess a valid New Jersey Driver's License Must be able to successfully complete all NJ Division of Developmental Disabilities mandated trainings within the first 120 days of employment The requirements for checks of Criminal Background, Central Registry, Child Abuse Registry, and Drug Testing must be completed prior to working with any clients in the Day Program or Residential Program Benefits: Health, Dental, Vision, Life Insurance, 401(k) Retirement Plan Competitive Salary and Flexible Hours Comprehensive Paid Training Programs including CPR and First Aid PTO, Vacation, Sick Time, & Holiday Pay Career Advancement Opportunities Discount Perks* Childcare AAA Vacation and entertainment Cellular Plan *These perks could be subject to change without notice Schedule: Monday-Friday: 8AM-4PM Join our team and make a difference today!

Part-time Description Healthy Kids Programs is looking for passionate and energetic individuals to join our team as part-time Program Supervisors for our Before School Program for the 2025-2026 school year. JOB STATUS: Part-time, non-exempt LOCATION: Brinckerhoff Elementary School in Fishkill, NY PAY: $16.00 per hour HOURS: 7:00 - 8:30 am JOB CONSISTS OF: Direct hands-on activities following our Healthy Kids Curriculum, covering everything from fitness to STEAM, academic adventures, artsy creations, and more! Oh, and don't forget about helping out with homework. Create a safe, healthy, and mega-fun environment where kids can thrive. Be the ultimate role model they'll look up to every single day. Assist the Site Director with certain management functions such as accurate attendance records, registration, and staffing and act as the designated person in charge when the Site Director is not on site. Provide continual communication with parents and family members via the Playground App, because who doesn't love sharing those precious moments and updates? Make sure you're always in the know by following OCFS guidelines, Healthy Kids Extended Day Program policies, and our host school's rules like a pro! Regularly meet with the Director to make decisions, solve problems, and strategize on immediate issues. Requirements EDUCATION AND EXPERIENCE: A high school diploma or its equivalent; and two years of direct experience working with children under 13 years of age. OR A School-age Child Care Credential or other Office recognized credential specific to the school-age developmental period, and one year of experience working with children less than 13 years of age. OR Associate's degree in Child Development, Elementary Education, Physical Education, Recreation, or a related field. QUALIFICATIONS: You've got the green light from your doctor - medically fit to rock all the job duties and free of any communicable diseases including TB. You're warm, friendly, and upbeat. Exceptional people skills are your jam, whether it's with kiddos, parents, or fellow team members. Plus, you're professional, reliable, and always prompt. You're ready to bend, stretch, lift, carry (up to 50 lbs.), and basically do whatever it takes to keep up with kids! PART-TIME BENEFITS: Employer Paid Childcare - Available for school-age children (ages 5-13) enrolled in our program, on the days you work. Telehealth Benefits Vision Insurance Dental Insurance AFLAC Supplemental Plans 401(k) for eligible employees Paid Sick Time Off On-Demand Pay Career Development Growth Opportunities WHO WE ARE: Healthy Kids is not just another childcare provider. We are Inc. 5,000's fastest-growing provider of Early Learning, Before and After School, and Summer Camp Programs with over 100 locations and growing. We are a certified benefit corporation on a mission to reinvent accessible and affordable childcare for today's families and create opportunities for our team to do what they love (and feel valued while doing it). Our programs empower working families, create a safe and nurturing environment for childhood development, and ensure that every child has the foundation they need for a bright future. Join our award-winning community and dive into a world of excitement, growth, and endless possibilities. Check out what it's like to work with us at *********************************************** Healthy Kids is dedicated to creating a workforce that promotes and supports diversity and inclusion. 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. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. Healthy Kids Programs makes hiring decisions based solely on qualifications, merit, and business needs at the time. For more information, visit: healthykidsprograms.com Salary Description $16.00 per hour

Job Title: Robotics Program Manager Coordinator Location: White plains, NY, 10601 - Hybrid schedules are permissible with a minimum of 3 days on-site depending on assignment. Duration: 12+ months Payrate: $40/hr. - $45/hr. On W2 ( All Inclusive) The Robotics Program seeks a highly organized and self-motivated Program Manager Coordinator to support operational discipline, documentation quality, and cross-functional coordination. This role ensures that governance standards are followed, templates are adhered to, and project activities move forward with consistency and accountability. The ideal candidate is detail-driven, capable of learning quickly, and comfortable supporting a fast-paced, technically complex program. Job Functions & Responsibilities Learn and apply Robotics Program governance frameworks, standards, workflows, and naming conventions. Develop and maintain high-quality governance artifacts such as SOPs, matrices, workflows, compliance logs, templates, and checklists. Prepare, edit, and format polished documents and presentations across multiple formats (Word, PowerPoint, Excel, PDF, SharePoint). Track program tasks, deadlines, and dependencies;maintain action logs, calendars, and project dashboards. Follow up with internal and external stakeholders to ensure on-time completion of assigned actions. Support meeting preparation, agenda creation, note-taking, meeting minutes, and distribution of follow-up items. Assist in coordinating robotics deployments, field operations, demonstrations, Fly Days, and training events. Review all documents for accuracy, completeness, consistency, and alignment with governance requirements. Draft clear and professional communications, summaries, and reports for leadership and project teams. Maintain a proactive, detail-oriented, and structured approach to all responsibilities. Skills Creative Thinking: Ability to think creatively to identify new opportunities and solutions. Teamwork: Ability to work on a team and being a team player is essential. Communication: Strong communication and presentation skills. Project Management: Ability to submit, define, and manage projects within COMPANY. Operational Knowledge: Operational knowledge of data requirements for operational use cases such as LIDAR scanning, image inspections, counter UAS technology. FAA Requirements: Required understanding of FAA requirements and waiver/certification submittals, specifically Part 107 and Part 61. Strong technical writing, editing, and document-formatting skills across multiple platforms. Preferred Experience supporting technical, engineering, operational, or compliance-driven programs. Preferred Familiarity with project management tools and document control systems. Preferred Experience in utilities, infrastructure, aviation, defense, or robotics is a plus. Ability to understand and follow structured templates and governance requirements with precision. Demonstrated ability to learn new processes, systems, and standards quickly. Excellent organizational skills and time management. Self-motivated with the ability to work independently and manage multiple concurrent tasks. Strong interpersonal communication skills, including the ability to respectfully hold others accountable. High attention to detail and commitment to quality. Education & Certifications: Bachelor of Science Degree in Engineering from a school accredited by the Accreditation Board for Engineering and Technology (ABET) or related discipline, preferably in Mechanical or Aeronautical Engineering

Job DescriptionDescription: Healthy Kids Programs is looking for passionate and energetic individuals to join our team as part-time Program Supervisors for our Before School Program for the 2025-2026 school year. JOB STATUS: Part-time, non-exempt LOCATION: Brinckerhoff Elementary School in Fishkill, NY PAY: $16.00 per hour HOURS: 7:00 - 8:30 am JOB CONSISTS OF: Direct hands-on activities following our Healthy Kids Curriculum, covering everything from fitness to STEAM, academic adventures, artsy creations, and more! Oh, and don't forget about helping out with homework. Create a safe, healthy, and mega-fun environment where kids can thrive. Be the ultimate role model they'll look up to every single day. Assist the Site Director with certain management functions such as accurate attendance records, registration, and staffing and act as the designated person in charge when the Site Director is not on site. Provide continual communication with parents and family members via the Playground App, because who doesn't love sharing those precious moments and updates? Make sure you're always in the know by following OCFS guidelines, Healthy Kids Extended Day Program policies, and our host school's rules like a pro! Regularly meet with the Director to make decisions, solve problems, and strategize on immediate issues. Requirements: EDUCATION AND EXPERIENCE: A high school diploma or its equivalent; and two years of direct experience working with children under 13 years of age. OR A School-age Child Care Credential or other Office recognized credential specific to the school-age developmental period, and one year of experience working with children less than 13 years of age. OR Associate's degree in Child Development, Elementary Education, Physical Education, Recreation, or a related field. QUALIFICATIONS: You've got the green light from your doctor - medically fit to rock all the job duties and free of any communicable diseases including TB. You're warm, friendly, and upbeat. Exceptional people skills are your jam, whether it's with kiddos, parents, or fellow team members. Plus, you're professional, reliable, and always prompt. You're ready to bend, stretch, lift, carry (up to 50 lbs.), and basically do whatever it takes to keep up with kids! PART-TIME BENEFITS: Employer Paid Childcare - Available for school-age children (ages 5-13) enrolled in our program, on the days you work. Telehealth Benefits Vision Insurance Dental Insurance AFLAC Supplemental Plans 401(k) for eligible employees Paid Sick Time Off On-Demand Pay Career Development Growth Opportunities WHO WE ARE: Healthy Kids is not just another childcare provider. We are Inc. 5,000's fastest-growing provider of Early Learning, Before and After School, and Summer Camp Programs with over 100 locations and growing. We are a certified benefit corporation on a mission to reinvent accessible and affordable childcare for today's families and create opportunities for our team to do what they love (and feel valued while doing it). Our programs empower working families, create a safe and nurturing environment for childhood development, and ensure that every child has the foundation they need for a bright future. Join our award-winning community and dive into a world of excitement, growth, and endless possibilities. Check out what it's like to work with us at *********************************************** Healthy Kids is dedicated to creating a workforce that promotes and supports diversity and inclusion. 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. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. Healthy Kids Programs makes hiring decisions based solely on qualifications, merit, and business needs at the time. For more information, visit: healthykidsprograms.com

Job Title : IAM Program Manager Experience Required - 8+ Years Must Have Technical/Functional Skills * • Lead and manage end-to-end IAM projects, including planning, execution, monitoring, and delivery. * • Partner with business, IT, security, and compliance stakeholders to gather requirements and define project scope. * • Develop detailed project plans, schedules, resource allocation, and risk management strategies. * • Drive execution of IAM initiatives such as: * o Identity lifecycle management * o Role-based access control (RBAC) * o Privileged Access Management (PAM) * o Authentication & Single Sign-On (SSO/MFA) * o Access certification campaigns * o Integration with HR and other enterprise systems * • Ensure compliance with security policies, regulatory requirements (e.g., SOX, HIPAA, GDPR), and industry best practices. * • Track project progress and provide regular updates to leadership and stakeholders. * • Manage vendor relationships and third-party service providers for IAM solutions. * • Identify, mitigate, and escalate project risks and issues. * • Facilitate user adoption and change management through training, communication, and stakeholder engagement. Roles & Responsibilities * Strong understanding of IAM concepts: authentication, authorization, SSO, MFA, RBAC, PAM, federation, and identity governance. * Experience with IAM tools such as CyberArk, SailPoint, Okta, Azure AD, ServiceNow, or similar platforms. * Proven track record in delivering complex IAM or security projects on time and within budget. * Excellent communication, leadership, and stakeholder management skills. * • Familiarity with compliance and regulatory frameworks (SOX, HIPAA, PCI-DSS, GDPR). Salary Range - $90,000 to $120,000 per year TCS Employee Benefits Summary: Discretionary Annual Incentive. Comprehensive Medical Coverage: Medical & Health, Dental & Vision, Disability Planning & Insurance, Pet Insurance Plans. Family Support: Maternal & Parental Leaves. Insurance Options: Aut o & Home Insurance, Identity Theft Protection. Convenience & Professional Growth: Commuter Benefits & Certification & Training Reimbursement. Time Off: Vacation, Time Off, Sick Leave & Holidays. Legal & Financial Assistance: Legal Assistance, 401K Plan, Performance Bonus, College Fund, Student Loan Refinancing. #LI-JS2