Santander Bank Remote jobs

Associate, Business Control & Risk Management (AML/KYC) Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Associate, Business Control & Risk Management operates within the First Line of Defense and is accountable to assist the Business Control & Risk Management team in driving effective and consistent business line execution against the Enterprise Risk Management Framework. Specifically, the Associate will be supporting and advising Relationship Managers (RMs), Relationship Officers (ROs) and Business Lines by providing overall BSA/AML guidance and direction on KYC requirements. This role plays a critical part in ensuring compliance with regulatory standards while enhancing customer experience through efficient onboarding, periodic reviews, and quality assurance processes. The Associate must be able to effectively partner with various stakeholders. Drive Risk Culture: Ensure awareness in the Business Line of risk frameworks, policies and standards. Perform Customer Due Diligence (CDD) by gathering, entering, and verifying information via the One Commercial onboarding process. Proactively complete KYC Refresh for existing customers to maintain up-to-date and accurate data. Support timely completion of KYC Questionnaires (KYCQs) and ensure customer data remains current. Ensure all KYC obligations are met for various banking scenarios including new deposit accounts, new loans, cash management product additions, loan modifications, trade finance activities, changes in ownership or AML risk ratings, and periodic KYC refreshes. Provide Subject Matter Expert (SME) guidance to enhance RM/RO and customer experience. Participate in maintaining First Line AML procedures, guides, checklists, and key customer forms. Ensure compliance is right the first time by effectively mitigating AML risk at the outset and ensuring adherence to BSA/AML and OFAC requirements. Perform Adverse Media Screening and/or Transaction Monitoring for certain customers. Act in a quality assurance capacity to validate completed work, ensuring accuracy, consistency, and compliance with policy. Identify and address control deficiencies, escalating issues as appropriate to prevent recurrence. Support internal control testing and control effectiveness monitoring to ensure adherence to internal and regulatory expectations. Support risk identification, assessment, and control effectiveness across business lines, aligning with the Enterprise Risk Management Framework. Continuously monitors all sources of risk existing within the Business Line and externally. Engage in research, peer networking, and experience to anticipate critical risk issues impacting the Business Line. Understand where operational, strategic, reputational, compliance, and model risks exist in the Business Line and continually assess and improve controls to mitigate those risks. Monitor risk profile to maintain tolerance within Risk Appetite. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. - Required. Master's Degree: Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. - Preferred. 5+ Years of experience in AML/KYC, Risk Management, Internal Controls, Regulatory Compliance, including direct engagement with customers to gather due diligence information and resolve complex compliance requirements. - Required. Excellent analytical, problem-solving, and project management skills. Ability to constructively work both independently and in collaborative environments involving all levels of management and employees. Strong understanding of BSA/AML and OFAC regulations, regulatory expectations and related industry best practices. Proven ability to influence and collaborate across multiple business lines. High attention to detail and ability to deliver accurate, compliant documentation. Key Competencies required for this role include: Regulatory & Compliance Knowledge Analytical & Critical Thinking Process Optimization Risk Mitigation Collaboration & Communication Customer Experience Orientation Certifications: Other: Risk Certification - Preferred. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Experience in Microsoft Office products. This is a fully remote position and you must reside in MA, RI, CT, NY, NJ or Eastern PA What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $63,750.00 USD Maximum: $110,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com) Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this . The employer has the right to revise this at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ****************** to discuss your needs.

Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, wealth management and investment management services. With offices in more than 41 countries, the Firm's employees serve clients worldwide including corporations, governments, institutions and individuals. For further information about Morgan Stanley, please visit ********************** ABOUT PARAMETRIC Parametric is part of Morgan Stanley Investment Management, the asset management division of Morgan Stanley. We partner with advisors, institutions, and consultants to build portfolios focused on what's important to them and their clients. A leader in custom solutions for more than 30 years, we help investors access efficient market exposures, solve implementation challenges, and design multi-asset portfolios that respond to their evolving needs. We also offer systematic alpha and alternative strategies to complement clients' core holdings. This role is part of Parametric's hybrid working model, which includes working in the office 3 days a week and choosing to work remotely or in the office the remaining days of the week. ABOUT THE TEAM The Client Relations Group (CRG) at Parametric builds meaningful relationships with clients by closely collaborating with sales teams and internal partners to deliver exceptional operational client service for accounts and client activities. CRG is comprised of teams and functions including Client Experience (client service and onboarding teams), Client Operations, and Client Control & Contract Management. ABOUT THE ROLE This Supervisor position is part of the Client Service team within the Client Experience organization at CRG. The Operations Supervisor oversees, monitors, and improves the daily workflow for their assigned regions. Responsibilities include supervising, mentoring, supporting, and training associates based on feedback from internal teams. The Operations Supervisor collaborates with team leadership and associates to increase efficiency and reduce risk. Building relationships with internal teams and clients, employee development, and management are key aspects of the role. Primary Responsibilities * Manage and mentor individual production team members and first time managers. This includes training, active feedback, performance management and performance evaluations. * Establish regular lines of communication for upward and downward management with all direct reports and co-direct reports. * Manage approximately 5-8 direct reports on a daily basis * Provide regular feedback on client service expectations to group. * Work with Client Service VPs to execute Objectives & Key Results (OKRs) and maintain healthy Key Risk Indicators (KRIs). * Facilitate workload distribution amongst the team. * Help the team with day-to-day workflow, identifying activities that need to be escalated/prioritized, and facilitating the review and remediation of escalated items. * Serve as the escalation point for client relationships and team members, as well as intradepartmental requests, including error resolution. Utilize informed discretion regarding the need for further escalations with a solution orientated mindset. * Participate as needed on client conference calls and meetings. * Proactively seek opportunities to improve team processes to reduce risk and improve efficiencies, leveraging a growth-oriented mindset. * Help lead and implement ad-hoc team projects and initiatives, communicating needs to team. * Serve as a knowledge expert among peers and other departments. Deep understanding of the "whys" behind processes. * Partner with leadership across the organization to carry out goals of the team and department. * Create and oversee reports to mitigate risk within the organization. * Proactively seek opportunities to improve efficiencies within the team and department. * Help monitor and manage efforts pertaining to business continuity and resiliency. * Create and maintain content for learning and development purposes across group. * Proactively maintain and/or establish new controls within group to mitigate risk; lead the drafting and maintenance of channel guides/ master process guides/ team policies and procedures. * Help facilitate the development, testing, and deployment of new technology releases/ applications on behalf of group. * Work with Vice President to generate metrics and create reports that assist in determining resource needs by recognizing key trends. Job Requirements * 4-year degree, preferably in related discipline such as economics, finance, or marketing; work experience in lieu of degree will be considered. * 5+ year's proven experience working with financial services advisors, preferably in a client service role. * 2+ years of direct team leadership experience. * Strong relationship building skills. * Excellent communication skills - in writing/oral with internal/external partners. * Experience with RIA/Wire and Independent community, separate accounts, UMAs, tax-efficient products and indexing a plus. * Thorough knowledge of Microsoft Office Suite. * Strong ability to learn new processes and systems. * Exhibits clear project management skills; managing deadlines, keeping stakeholders informed, anticipating roadblocks, preparing back-up plans, etc. Parametric believes each member of our organization makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. Therefore, this job description is designed to outline primary duties and qualifications. It is our expectation that every member of our team will offer his/her/their services wherever and whenever necessary to ensure the success of our client services. WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste ***************************************************** into your browser. Expected base pay rates for the role will be between $78,000 and $140,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Responsibilities * Perform financial analysis, including valuations and merger consequences. * Conduct company and industry research to support financial advisory. * Prepare presentation and other materials for clients. * Participate in due diligence sessions. * Communicate and interact with finance team members. * Conduct comprehensive and in-depth company and industry research. * Handle several projects at once and work effectively as an individual and as part of a team. * Execute and advise on various M&A, initial public offerings, follow-ons, mandatory convertibles and exchangeable debt offerings, spin offs/split offs, debt-for-equity exchanges, recapitalizations, and private placements. * Develop and maintain financial models to analyze trends, including discounted cash flow, leverage buyout, cost of capital analysis, merger models, ability-to-pay, value creation, operating models, and 3- statement models. * Perform comprehensive valuation analysis using comparable companies and precedent transactions. * Prepare client presentation materials, internal approval memos, and marketing documents such as roadshow materials, confidential information memorandums, and rating agency presentations to execute transactions. * Conduct research using FactSet, Capital IQ, Bloomberg, Thomson and Factiva to analyze market data and competitive dynamics. * Remote work may be permitted within a commutable distance from the worksite. Required Skills & Experience * Bachelor's degree or equivalent in Economics, Mathematics, Finance or related: and * 2 years of experience in the job offered or a related Finance occupation. * Must include 2 years of experience in each of the following: * Conducting global bank/bulge bracket investment banking transactions in the Technology sector; * Executing and advising on various M&A transactions, convertible debt offerings, and spin offs; * Conducting due diligence in connection with M&A, equity and debt financings, minority investments, and other investment banking transactions; * Preparing materials for C-suite management teams, board of directors, and other client executives and participating and leading client meetings throughout deal origination and execution; * Conducting research using Factset, BamSec, Bloomberg, and equity research to analyze market data and competitive dynamics. If interested apply online at ***************************** or email your resume to ***************** and reference the job title of the role and requisition number. EMPLOYER: BofA Securities, Inc. Shift: 1st shift (United States of America) Hours Per Week: 40

Bilingual Spanish, Contact Center Rep Our Bilingual Spanish, Contact Center Representatives are responsible for providing an excellent client experience by meeting client needs regarding financial and service inquiries from our phone channel. What You Will Be Doing * Serve as the first point of contact for Tier 1 support issues and service requests for our clients and make sound decisions quickly * Be a friendly voice/representative of First Bank, analyzing client requests, setting appropriate expectations and forwarding clients to specialized Service Representative experts (Tier-2 and above) if needed * Be resourceful in searching for answers through documentation, knowledge base, communities and provide informational request resolutions * Contributing to the accomplishment of individual, team and First Bank performance goals * Learn internal systems, processes and master quality service standards * Make connections with First Bank team members with whom you will be interacting most frequently * Hours for this position are: Monday, Tuesday, Thursday, Friday and Saturday 9:00 AM - 5:30 PM CST. Note: This position is a remote role, however only applicants in the following states will be considered: MO and IL * High school diploma or general education degree (GED) required * Must be able to communicate verbally and in writing in both Spanish and English. * A minimum of one year client service experience and/or training; or equivalent combination of education and experience * Previous contact call center experience strongly preferred * Intermediate to advanced comprehensive knowledge and experience with Microsoft Office and business-related software required Be a part of a growing company that is truly committed to its employees and clients. Consider joining the First Bank family. As a member of our family, you are part of one of the largest independent banks in the U.S. We are proud of our growth and success over the past 100 years and look forward to a bright and promising future. Diversity At First Bank one of our biggest strengths is the diversity of our people. Our mission is to capitalize on the diversity of our associates and promote personal and professional development throughout every area of the organization. We encourage diversity by actively seeking employees from various backgrounds, walks of life, and job skills. We strongly encourage you to apply whenever a First Bank job opportunity interests you. First Bank is a VEVRAA Federal Contractor and an Equal Opportunity/Affirmative Action 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. Attn: Applicants interested in a San Francisco based position: First Bank will consider qualified applicants with a criminal history in a manner consistent with the San Francisco Fair Chance Ordinance. This is a fully remote position. The range for this role takes into account many factors that First Bank considers when making hiring decisions, including but not limited to, prior experience, skill set, training, and other internal business and organizational factors. First Bank generally does not hire at or near the top of the range below. The range is driven by the geographic location of our estimated hiring location; however, the specific range may vary depending on the geographic location for remote positions. Compensation decisions depend on the specific facts and circumstances of each hiring instance. A reasonable estimate of the current pay is $18.00 - $22.00.

About us Creative Information Technology Inc (CITI) is an esteemed IT enterprise renowned for its exceptional customer service and innovation. We serve both government and commercial sectors, offering a range of solutions such as Healthcare IT, Human Services, Identity Credentialing, Cloud Computing, and Big Data Analytics. With clients in the US and abroad, we hold key contract vehicles including GSA IT Schedule 70, NIH CIO-SP3, GSA Alliant, and DHS-Eagle II. Join us in driving growth and seizing new business opportunities. Background We are seeking an experienced Beacon Consultant to support critical build work for our CAR-T project and potentially assist with research build initiatives. This role requires strong expertise in Beacon workflows and Epic build components, with a focus on oncology and research functionality. We are seeking a proactive, self-driven professional with a strong clinical background-someone who takes initiative, ensures tasks are completed efficiently, and anticipates and resolves issues independently without close supervision. Role and Responsibilities Design, build, and modify IEC Carepaths, including associated Epic checklists. Create and update IEC SmartForms for CAR-T workflows. Develop IEC referral workflows for CAR-T evaluation (similar to BMT referral process). Build IEC admission order sets aligned with clinical protocols. Create and maintain IEC Flowsheets and IEC Synopsis. Develop and update IEC Reports for clinical and operational needs. Configure IEC notes and associated smart tools (e.g., SmartLinks, SmartPhrases) as required. Collaborate with clinical and IT stakeholders to validate workflows, manage issues, and ensure compliance with UConn Health organizational standards. Document build decisions and provide knowledge transfer to internal teams. Preferred Qualification Epic Beacon certification or equivalent experience. Proven experience with CAR-T build in Epic. Familiarity with research build workflows in Epic. Strong understanding of oncology workflows and clinical documentation. Ability to translate clinical requirements into scalable, supportable Epic build.

Virtual Banker - California The Bilingual Virtual Banker is a remote position however you must be located in or within driving distance to one of our St. Louis, MO locations. Virtual Bankers are responsible for providing an excellent client experience by meeting client needs regarding financial and service inquiries from Interactive Teller Machines (ITMs) as well as via phone or other channels. Work schedule include some weekends and evenings and requires excellent attendance and punctuality. What You Will Be Doing * Processing a variety of transactions through ITMs including, but not limited to, checking and savings deposits and withdrawals, transfers and account balance inquiries; detecting fraud when possible. * Facilitating the ITM process for clients by providing step-by-step guidance through the ITM process. Connect to clients in a way that makes the video interactive solution a personable experience. * Monitoring ITM machines to ensure they are working properly. Assisting systems support associates and vendors to resolve any issues pertaining to the physical ITM and associated software, as needed. * Managing incoming and outgoing calls, representing the bank in a positive, courteous and professional manner. * Assessing clients' needs and cross-selling or making sales referrals of bank products and services. * Assist in online account opening fulfillments and onboarding of new bank clients * Processing and performing check back of various remote banking duties to ensure accuracy and compliance with standards and procedures; detecting potential fraud when possible. * Meeting or exceeding established referral goals. * Maintaining knowledge of cyber threats and best practices to minimize risks to the organization. * Provide regular feedback to identify opportunities to improve Banker Center process, procedures and training materials * High School diploma or equivalent. * Minimum of three years experience in banking, customer service or other related area required. Bank teller or new accounts experience preferred. * Associate's degree preferred. * Strong customer service orientation. * Ability to maintain a friendly, helpful and courteous attitude when working with clients or co-workers under diverse conditions. * Ability to communicate, verbally, through video * Experience communicating via virtual technology (Skype, Face Time, Video Conf.) * Comfortable on camera, maintaining a friendly and professional appearance Be a part of a growing company that is truly committed to its employees and clients. Consider joining the First Bank family. As a member of our family, you are part of one of the largest independent banks in the U.S. We are proud of our growth and success over the past 100 years and look forward to a bright and promising future. Diversity At First Bank one of our biggest strengths is the diversity of our people. Our mission is to capitalize on the diversity of our associates and promote personal and professional development throughout every area of the organization. We encourage diversity by actively seeking employees from various backgrounds, walks of life, and job skills. We strongly encourage you to apply whenever a First Bank job opportunity interests you. First Bank is a VEVRAA Federal Contractor and an Equal Opportunity/Affirmative Action 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. Attn: Applicants interested in a San Francisco based position: First Bank will consider qualified applicants with a criminal history in a manner consistent with the San Francisco Fair Chance Ordinance. At First Bank, we embrace a hybrid work environment which allows employees to work at an alternative location depending upon the needs of their job and team. The in-office days are designed to inspire increased collaboration, development, productivity, and quick decision making. Hybrid schedules should include at least two full days in the office with more or all in-office days expected of our client facing teams and the groups that support them in the business. The range for this role takes into account many factors that First Bank considers when making hiring decisions, including but not limited to, prior experience, skill set, training, and other internal business and organizational factors. First Bank generally does not hire at or near the top of the range below. The range is driven by the geographic location of our estimated hiring location; however, the specific range may vary depending on the geographic location for remote positions. Compensation decisions depend on the specific facts and circumstances of each hiring instance. A reasonable estimate of the current pay is $18.50 - $24.00 per hour.

About us Creative Information Technology Inc (CITI) is an esteemed IT enterprise renowned for its exceptional customer service and innovation. We serve both government and commercial sectors, offering a range of solutions such as Healthcare IT, Human Services, Identity Credentialing, Cloud Computing, and Big Data Analytics. With clients in the US and abroad, we hold key contract vehicles including GSA IT Schedule 70, NIH CIO-SP3, GSA Alliant, and DHS-Eagle II. Join us in driving growth and seizing new business opportunities. Role and Responsibilities Lead the full recruitment lifecycle and manage the entire TA team with accountability on delivery. Mentor, coach, and scale recruiter performance while maintaining weekly reports, KPIs, and quality checks. Partner closely with internal leadership, project owners, and delivery managers to set hiring roadmaps and execution plans. Drive submittals, rate negotiations, interview readiness, offer closures, and onboarding without missing SLAs. Run daily/weekly syncs, maintain dashboards, ensure compliance, and keep hiring funnels consistently healthy. Build and maintain strong talent pipelines across niche IT roles, especially those tied to US State Government and Public Sector programs. Optimize sourcing strategies using job boards, passive search, internal talent pools, and recruiter enablement. Minimum Qualification 15+ years of US staffing experience with proven delivery across enterprise IT and US State Government accounts. Minimum 3+ years leading recruitment teams and managing performance at scale. Strong people leadership, coaching ability, and a no-nonsense approach to driving targets. Advanced sourcing game - speed, creativity, and persistence to close tough roles fast. Excellent communication, stakeholder alignment, and the ability to work US shifts comfortably. Deep understanding of US hiring models, compliance, tax terms, onboarding flows, and client expectations.

Denver, Colorado;Seattle, Washington; Addison, Texas; Richmond, Virginia; Jersey City, New Jersey; Boston, Massachusetts; Charlotte, North Carolina; Washington, District of Columbia; Jacksonville, Florida; Chicago, Illinois **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (************************************************************************************************************** **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! **Job Description:** Senior Adaptive Threat Replication Engineer (AKA Red Team, Penetration Testing, Advanced Vulnerability Assessments Engineer) Are you passionate about cyber security and looking to work with some of the best information security professionals in the world and in challenging environments? Bank of America is hiring top talent to join our team. You bring your talent and passion and we'll provide you with an opportunity to shine and grow. The Cyber Security Assurance Division is looking for a Senior Adaptive Threat Replication Engineer to join a team of world-class offensive security professionals. In this role you will diligently hunt for hi-risk vulnerabilities across the bank's global technology environment. Understanding security policy and compliance is important but in this role your focus is to identify exploitable vulnerabilities; ones that can bring about that "nightmare scenario." This is a highly technical role that requires broad technical knowledge and a deep understanding of threats and threat TTPs. You will lead and participate in advanced technical assessments that leverage red team, penetration testing, and vulnerability assessment tools and techniques to identify hi-risk vulnerabilities across a variety of technologies. You will coordinate with senior leadership on development projects, share your knowledge and experience by mentoring junior engineers, and assist the monitoring and response functions so those functions can practice and improve their capability to respond and recover against a realistic threat actor. Required Skills: + 5+ years of professional offensive security experience + Must be able to critically examine an organization and system through the perspective of a threat actor and articulate risk in clear, precise terms to technical and non-technical audience. + Must be very proficient with the common tools associated with red teaming, penetration testing, and vulnerability assessments (Metasploit, Burp Suite, Cobalt Strike, Kali, etc.). + Must have a solid understanding of voice and data networks, major operating systems, active directory, their associated peripherals, and strong desire to learn new technologies and skill sets. + Must demonstrate knowledge of tactics, techniques, and procedures associated with malicious insider activity, organized crime/fraud groups, and both state and non-state sponsored threat actors. Knowledge of MITRE ATT@CK framework. + Ability to effectively code in a scripting language (Python, Perl, etc.) + Advisory + Innovative Thinking + Technical Documentation + Technology System Assessment + Threat Analysis Desirable Skills: + Certifications: OSCP, GPEN, GXPN, OSCE, GWAPT, + Ability to work remotely if/when necessary, + Previous experience working in the financial industry, + Typically has 5-10 years of experience in technology and offensive security assessments This senior technical role is responsible for leading and performing assessments of the bank's technologies, applications, and cyber security controls while adapting testing methods to evolving and emerging threats. Key responsibilities include leading and performing research, understanding the bank's security policy, working with appropriate partners to complete assessments and simulations, identifying misconfigurations and vulnerabilities and reporting on associated risk. These individuals partner closely with security partners, CIO clients and multiples lines of business. **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

As a global financial services firm, Morgan Stanley is committed to technological innovation. We rely on our technologists around the world to create leading-edge, secure platforms for all our businesses. Enterprise Technology & Services (ETS) delivers shared technology services for Morgan Stanley supporting all business applications and end users. ETS provides capabilities for all stages of Morgan Stanley's software development lifecycle, enabling productive coding, functional and integration testing, application releases, and ongoing monitoring and support for over 3,000 production applications. ETS also delivers all workplace technologies (desktop, mobile, voice, video, productivity, intranet/internet) in integrated configurations that boost the personal productivity of employees. Application and end user functions are delivered on a scalable, secure, and reliable infrastructure composed of seamlessly integrated datacenter, network, compute, cloud, storage, and database functions. Our Team The Enterprise Z organization (EZ) is a technology enabler for the business by providing a strong, resilient, and stable platform to host and enable business innovation/growth in our lines of business and global locations. EZ consists of experienced administration, operations and engineering staff required to support the platform. In addition to flexible hours, the Firm enables its staff to work remotely. The EZ engineers work with the latest hardware and software technologies. The IBM z platform and the mainframe disk and tape technologies are frequently refreshed across our datacenters. Mainframe CICS Engineer The Mainframe CICS Systems Programmer/Engineer is responsible for all phases of CICS engineering, system and software maintenance, and CICS related operational functions. The candidate must be comfortable working with CICS in a 24x7 large scale Sysplex and CICSPlex environment and must be able to interface with application developers and operations teams. The CICS engineer should have strong analytical, organizational and communication skills, as well as in-depth knowledge in CICS performance & tuning, debugging and dump analysis. On-call support and maintenance outside of normal working hours are needed to support the CICS environment and to resolve issues. Skills Required: Knowledge of SMP/E, software upgrades and maintenance Knowledge of all CICS parameters that control performance in a CICSPlex environment. Knowledge of CICS SMF record structure and the CICS Performance Analyzer tool to gather statistics necessary to tune CICS regions Experience with CICSPlex SM implementation & customization, dynamic transaction routing, etc. Knowledge of the CICS resource definitions, including those that pertain to CICS region performance Experienced with the CICS monitoring tools such as Sysview for CICS. Ability to perform problem determination, dump analysis and performance tuning Knowledge of Cobol to support application developers Experience with Mainframe Websphere MQ Excellent oral/written communication skills Skills desired: Assembler, COBOL and REXX coding and knowledge of CICS Exits Web application support in a CICS TS V6.x environment Understanding of zOS facilities such as: APF, Linklist, VSAM, LPA, RLS, Coupling Facility Utilization of CICS Configuration Manager Working knowledge of zOS & CICS Explorer Understanding of CICS REST Services Prior Application programming experience a plus. WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste ***************************************************** into your browser. Expected base pay rates for the role will be between $150,000 and $210,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Charlotte, North Carolina, United States **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (*********************************************************************************************************** **Job Description:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Responsibilities** + Apply quantitative models and techniques in order to address and resolve concrete financial problems. + Utilize advanced quantitative techniques and tools, such as, statistical analysis and linear regressions, as needed. + Develop emerging risk assessments, analyze counterparty credit risk scenarios and model key risk factors. + Conduct research and analysis to provide a micro view of risk management in a particular counterparty or country and a macro view of risk exposures for the bank. + Assess market trends and provide quantitative data for internal stakeholders and regulators. + Apply quantitative knowledge to specific financial challenges and regulatory projects. + Prepare developmental evidence and document to support internal requests and external regulatory exams. + Perform in-depth analysis on the bank's risk model results using various quantitative tools including back testing, benchmarking, and sensitivity analysis. + Perform counterparty exposure management techniques, such as potential future exposure, stress testing, and wrong way risk. + Develop product-specific analytics to measure and monitor risk calculations. + Coordinate efforts across teams and lines of business to enhance existing credit and market risk analysis tools. + Perform quantitative modeling by utilizing advanced quantitative techniques and tools of statistical analysis, econometrics, predictive modeling, linear regressions, and Machine Learning. + Analyze and evaluate large and complex economic and financial datasets with analytical tools of Python, SQL, and R. + Utilize Python, PySpark, and SQL to conduct data analysis, estimate model coefficients, run simulations, and aggregate the model results to generate comprehensive model outputs and benchmarks. + Leverage data analytics and visualization tools including Tableau, Alteryx, R, and Jupyter Notebook to build easy-access analytical capabilities and insightful reporting for the management. + Utilize Latex to produce technical reports of publication quality with academic rigor and comprehensive risk coverage to support internal reviews and assess with stakeholders. + Remote work may be permitted within a commutable distance from the worksite. **Required Skills & Experience** + Master's degree or equivalent in Business Analytics, Mathematical Economics, Technology (any), Engineering, Statistics or related: and + 1 year of experience in the job offered or a related Quantitative occupation. + Must include 1 year of experience in: + Performing quantitative modeling by utilizing advanced quantitative techniques and tools of statistical analysis, econometrics, predictive modeling, linear regressions, and Machine Learning; + Analyzing and evaluating large and complex economic and financial datasets with analytical tools of Python, SQL, and R; + Utilizing Python, PySpark, and SQL to conduct data analysis, estimate model coefficients, run simulations, and aggregate the model results to generate comprehensive model outputs and benchmarks; + Leveraging data analytics and visualization tools including Tableau, Alteryx, R, and Jupyter Notebook to build easy-access analytical capabilities and insightful reporting for the management; and, + Utilizing Latex to produce technical reports of publication quality with academic rigor and comprehensive risk coverage to support internal reviews and assess with stakeholders. If interested apply online at ***************************** or email your resume to ***************** and reference the job title of the role and requisition number. EMPLOYER: Bank of America N.A. **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

At BNY, our culture allows us to run our company better and enables employees' growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world's investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide. Recognized as a top destination for innovators, BNY is where bold ideas meet advanced technology and exceptional talent. Together, we power the future of finance - and this is what #LifeAtBNY is all about. Join us and be part of something extraordinary. We're seeking a future team member for the role of Associate Client Service I to join our BNY Wealth team. This role is remote. Role Overview: Provide high-quality day-to-day support to a specialized client base by resolving operational and technical issues, delivering information on BNY products and services, and directing clients to appropriate internal resources. This role requires strong problem-solving and communication skills to ensure client requests are executed efficiently and effectively. Key Responsibilities: Serve as the primary point of contact for a selected number of client accounts of limited complexity. Address and resolve routine operational and technical client inquiries, applying problem-solving skills based on experience and precedent. Provide clients with accurate information about BNY products and services within a limited scope of business lines and geographies. Escalate non-routine or complex issues to appropriate internal teams as needed. Monitor and track client inquiries and issues to support business development and improve client experience. Participate in internal initiatives aimed at enhancing client service and operational efficiency. Collaborate effectively with internal teams to ensure timely and accurate execution of client requests. Qualifications: Bachelor's degree or equivalent combination of education and experience. 0-3 years of work experience preferred, ideally in client services or an operational area. Strong communication skills and ability to deliver excellent client service. Basic understanding of BNY broader services and offerings is advantageous. Ability to work independently and as part of a team in a fast-paced environment. At BNY, our culture speaks for itself, check out the latest BNY news at: BNY Newsroom BNY LinkedIn Here's a few of our recent awards: America's Most Innovative Companies, Fortune, 2025 World's Most Admired Companies, Fortune 2025 “Most Just Companies”, Just Capital and CNBC, 2025 Our Benefits and Rewards: BNY assesses market data to ensure a competitive compensation package for our employees. The base salary for this position is expected to be between $52,000 and $52,000 per year at the commencement of employment. However, base salary if hired will be determined on an individualized basis, including as to experience and market location, and is only part of the BNY total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, short and long-term incentive packages, and Company-sponsored benefit programs. This position is at-will and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation) at any time, including for reasons related to individual performance, change in geographic location, Company or individual department/team performance, and market factors.

About us Creative Information Technology Inc (CITI) is an esteemed IT enterprise renowned for its exceptional customer service and innovation. We serve both government and commercial sectors, offering a range of solutions such as Healthcare IT, Human Services, Identity Credentialing, Cloud Computing, and Big Data Analytics. With clients in the US and abroad, we hold key contract vehicles including GSA IT Schedule 70, NIH CIO-SP3, GSA Alliant, and DHS-Eagle II. Join us in driving growth and seizing new business opportunities. Role and Responsibilities The PM shall serve within the HHS Division with a focus on Strategic Initiatives. The contractor will play a key role across the HHS Division, including Strategy, Project Management, and Integration Management. The PM will achieve this by actively owning management of small to mid-sized projects, which may include conducting analyses to solve business problems, and developing strategic business cases, workplans, and/or recommending new operational plans for the Business. Additionally, the PM will support the success of the HHS Division by mentoring other team members and developing strong relationships with partners across the district. All duties are to be performed in accordance with the DCAS Program Management Administration policies, practices, and procedures. The PM leads planning and management of small to mid-sized organizational initiatives and activities, including conducting analyses, building business cases, developing project and operational management plans, and driving execution. Supports development of HHS teams to foster collaboration and effectively conveys and expresses ideas in writing and verbally to individuals and groups, including senior leaders. Develops timelines and detailed work plans to create structure for initiative teams to plan and coordinate activities and resources. Develops recommendations based on data from multiple stakeholders, and leverages data to support and inform timely, effective decisions. Develop, produce, and deliver executive presentations, program updates, and set and articulate goals and timelines to executive leadership Minimum Qualification Experience working in the Health and human Services industry - 16 years at least . Demonstrated ability to develop mid to long-range implementation and/or enhancement plans Knowledge of District of Columbia health and human services programs and policies. Experience working in a professional setting including consulting, project management, and/or change management. Experience utilizing industry standard project management tools Experience with stakeholder management Experience driving and reporting on the complete lifecycle of a project (particular reference to IT and Healthcare) Experience defining and implementation business process flows Experience in requirements gathering, (particular reference to business/program requirements for an SDLC) At least 16+ yrs in progressive consulting leadership role, providing full lifecycle services in enterprise environment At least 16+ yrs managing, coordinating, and establishing priorities for entire project lifecycle Education/Certification Requirements Bachelor's degree in Information Technology or related field or equivalent experience Master's degree in IT or related field or equivalent experience - Highly desired Information Technology Infrastructure Library (ITIL) - Required Project Management Professional (PMP) - Highly desired Professional Scrum Master (PSM) - Highly desired

Responsibilities include but are not limited to: Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs. Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met. Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's). Develops strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships. Actively collaborates with other lines of business to ensure the clients specific needs are met. Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls. Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line. Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners. Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties. Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit. Monitor outstanding loans and take necessary collection actions on past dues. Educates the borrower on business line process, structure, and set expectations. Analyzes, determines eligibility, originates, and structures loan requests. Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed. Recommends approval of customer applications for commercial loans.

Chicago, Illinois **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (*************************************************************************************************** **Job Description:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Responsibilities** + Collaborate with others in the organization to ensure successful implementation of chosen problem solutions. + Analyze information obtained from management to conceptualize and define operational problems. + Prepare management reports defining and evaluating problems and recommending solutions. + Observe the current system in operation, and gather and analyze information about each of the component problems, using a variety of sources. + Track all client visits/meetings and ensure all client successes are logged for weekly reporting. + Drive proactive client communications through regular meetings, broker reviews, and calls. + Track and drive resolution (both strategic and tactical where necessary) of client requests. + Work with clients to educate on the firm's self-service tools and industry solutions. + Analyze effort and support across teams by individual client. + Coordinate and chair internal stakeholder meetings around client updates. + Analyze complex query resolution from clients trading Futures and Options within Global Markets industry; queries span trades, position, lifecycle events, commission, reporting, product, and process offering. + Review and assess trade allocations, collateral movements and reconciliation of positions to facilitate workflow. + Improve clients' processes to STP by analyzing tableau metrics and their metric accuracy around trade and commission flows. + Test implemented SAP solutions, including unit testing, integration testing and user acceptance test. + Work with GMI books and records platform and testing new functionality. + Remote work may be permitted within a commutable distance from the worksite. **Required Skills & Experience** + Bachelor's degree or equivalent in Operations Research, Mathematics, Economics, Finance, or related: and + 5 years of progressively responsible experience in the job offered or a related Quantitative occupation. + Must include 5 years of experience in each of the following: + Analyzing complex query resolution from clients trading Futures and Options within Global Markets industry; queries span trades, position, lifecycle events, commission, reporting, product, and process offering; + Reviewing and assessing trade allocations, collateral movements and reconciliation of positions to facilitate workflow; + Improving clients' processes to STP by analyzing tableau metrics and their metric accuracy around trade and commission flows; and, + Working with books and records platform and testing new functionality. + In the alternative, the employer will accept a Master's degree and 3 years of experience. If interested apply online at ***************************** or email your resume to ***************** and reference the job title of the role and requisition number. **EMPLOYER:** BofA Securities, Inc. **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Sr. Representative, Collections-Bankruptcy (100% Remote) Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Sr. Representative, Collections responds in a timely and professional manner to all customer calls, and contacts customer as appropriate and necessary under policy and procedure or to respond to inquiries for the Customer Service department. Uses various collection systems to update customers' accounts and to send correspondence. Responds in timely and professional manner to all customer calls, and contacts customer as appropriate and necessary under policy and procedure or to respond to inquiries. Maintains current, accurate and complete information on status of all customers in portfolio. Assists Customer Service Collections team with research and questions. Understands and adheres to the Fair Debt Collection Practice Act, Collection Laws, and Fair Credit Reporting Act. Assists in the upkeep of various Collections tracking reports. Coordinates collection activities for assigned accounts. Serves as point of contact between the Customer, Collections Officer, and Operations. Monitors ongoing trends and developments in various business-related industries, and the economy. Assists management and/or senior Collections professionals in special projects as needed. Extracts and compiles collection performance data from various source systems (including manual tracking reports) for qualitative and/or quantitative analyses. Assists in developing collection risk reporting and analysis capabilities. Assists in developing collection key risk indicators (KRI) with defined triggers and limits. Conducts various ad-hoc analyses to support the strategy and monitoring functions within the department. Monitors progress against project plan communicating status or any relevant issue to the project manager. Supports in the rollout of the systems for collections. Create and implement new policies, workflows, reports, communications, definitions and processes for the collections department. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: - Required. 2+ Years of Bankruptcy experience - Required. Demonstrated knowledge of basic Collections principles, concepts and policies. Proficient MS Office (Excel, PowerPoint, Word, Visio, and Outlook) skills. Strong verbal and written communication skills. Strong analytical, problem solving and critical thinking skills. Ability to summarize, document, and communicate information in a clear and concise manner. Ability to organize and prioritize multiple tasks to meet deadlines. Ability to work independently as well as collaboratively within a team environment. Ability to interpret, analyze and apply data/information. Ability to stay abreast of industry best practices, procedures, and techniques. Ability to build and foster internal relationships. Ability to adhere to policies, procedures, and instructions of management. Ability to change direction as project demand dictates. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Experience in Microsoft Office products. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $32,250.00 USD Maximum: $50,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com) Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this . The employer has the right to revise this at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ****************** to discuss your needs.

About us Creative Information Technology Inc (CITI) is an esteemed IT enterprise renowned for its exceptional customer service and innovation. We serve both government and commercial sectors, offering a range of solutions such as Healthcare IT, Human Services, Identity Credentialing, Cloud Computing, and Big Data Analytics. With clients in the US and abroad, we hold key contract vehicles including GSA IT Schedule 70, NIH CIO-SP3, GSA Alliant, and DHS-Eagle II. Join us in driving growth and seizing new business opportunities. Role and Responsibilities Assess feasibility and technical requirements for LINKS → DataLake integration. Collaborate with OPH Immunization Program, OPH Bureau of Health Informatics and STChealth on data specifications and recurring ingestion pipelines. Build and optimize ETL workflows for LINKS and complementary datasets (Vital Records, labs, registries). Design scalable data workflows to improve data quality, integrity, and identity resolution. Implement data governance, observability, and lineage tracking across all pipelines. Mentor engineers, support testing, and enforce best practices in orchestration and architecture. Document and communicate technical solutions to technical and non-technical stakeholders. Minimum Qualification Assess feasibility and technical requirements for LINKS → DataLake integration. Collaborate with OPH Immunization Program, OPH Bureau of Health Informatics and STChealth on data specifications and recurring ingestion pipelines. Build and optimize ETL workflows for LINKS and complementary datasets (Vital Records, labs, registries). Design scalable data workflows to improve data quality, integrity, and identity resolution. Implement data governance, observability, and lineage tracking across all pipelines. Mentor engineers, support testing, and enforce best practices in orchestration and architecture. Document and communicate technical solutions to technical and non-technical stakeholders. Preferred Qualification 5+ years of experience in data engineering roles Experience integrating or developing REST/JSON or XML APIs Familiarity with CI/CD pipelines (GitHub Actions, Azure DevOps, etc.). Exposure to Infrastructure as Code experience (Terraform, CloudFormation). Experience with data governance and metadata tools (Atlan, OpenMetadata, Collibra). Public health/healthcare dataset or similar experience, including PHI/PII handling. Familiarity with SAS and R workflows to support epidemiologists and analysts. Experience with additional SQL platforms (Postgres, Snowflake, Redshift, BigQuery). Familiarity with data quality frameworks (Great Expectations, Deequ). Experience with real-time/streaming tools (Kafka, Spark Streaming). Familiarity with big data frameworks for large-scale transformations (Spark, Hadoop). Knowledge of data security and compliance frameworks (HIPAA, SOC 2, etc.). Agile/SCRUM team experience.

New York, New York **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (************************************************************************************************************************ **Job Description:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Responsibilities** + Review Investment Banking (""IB"") transactions for potential addition(s) to the Watch List and/or Restricted List. + Follow up with Investment Banking to receive deal updates and manage day-to-day Control Room processes. + Review Sustainability & Global Research reports prior to public dissemination against the Watch or Restricted List in accordance with Laws, Rules, and Regulations. + Provide Global Markets principal/firm trade preclearance on restricted list issuers. + Provide information wall subject matter expertise/consultation to support all lines of business and support partners. + Assist with the training of new hires and junior team members. + Respond to AMRS regulatory Inquiries, lead/facilitate meetings with Research Legal and Investment Banking Legal. + Assist the AMRS manager in Quality Assurance reviews for the AMRS team. + Provide training and awareness to the lines of business and their support partners on information wall topics. + Contribute to global technology initiatives via idea generation, UAT testing, or working alongside Global Tech and Operations support partners. + Handle advanced research advisory topics, liaise with research management and legal teams, and navigate the regulatory landscape to effectively mitigate the firm's regulatory and reputational risks in the publication of Research Reports. + Develop, implement, and train on policies, procedures, testing protocols, and governance routines to ensure smooth operation of the control room, including conducting periodic and targeted assessments of the control environment and creating new procedures to adapt to regulatory changes. + Collaborate with internal audit and other control functions to address identified gaps in controls, while identifying and implementing process improvements. + Evaluate, scope, and execute major projects for the Control Room function, including day-to-day operational repairs and enhancements, technology upgrades, integrating new business lines, and supporting senior management in large-scale strategic cross-functional initiatives. + Coordinate with legal and senior leadership, as needed, to respond to official requests from regulators and external control bodies, such as exams, letters, RFEs, and ad-hoc inquiries. + Remote work maybe permitted within a commutable distance from the worksite. **Required Skills & Experience** + Bachelor's degree or equivalent in Economics, Statistics, Mathematics, Finance, or related: and + 6 years of progressively responsible experience in the job offered or a related Quantitative occupation. + Much include 6 years of experience in each of the following: + Handling advanced research advisory topics, liaising with research management and legal teams, and navigating the regulatory landscape to effectively mitigate the firm's regulatory and reputational risks in the publication of Research Reports; + Developing, implementing, and training on policies, procedures, testing protocols, and governance routines to ensure smooth operation of the control room, including conducting periodic and targeted assessments of the control environment and creating new procedures to adapt to regulatory changes; + Collaborating with internal audit and other control functions to address identified gaps in controls, while identifying and implementing process improvements; + Evaluating, scoping, and executing major projects for the Control Room function, including day-to-day operational repairs and enhancements, technology upgrades, integrating new business lines, and supporting senior management in large-scale strategic cross-functional initiatives; and, + Coordinating with legal and senior leadership, as needed, to respond to official requests from regulators and external control bodies, such as exams, letters, RFEs, and ad-hoc inquiries. If interested apply online at ***************************** or email your resume to ***************** and reference the job title of the role and requisition number. **EMPLOYER:** Bank of America N.A. **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, wealth management and investment management services. With offices in more than 41 countries, the Firm's employees serve clients worldwide including corporations, governments, institutions and individuals. For further information about Morgan Stanley, please visit ********************** ABOUT PARAMETRIC Parametric is part of Morgan Stanley Investment Management, the asset management division of Morgan Stanley. We partner with advisors, institutions, and consultants to build portfolios focused on what's important to them and their clients. A leader in custom solutions for more than 30 years, we help investors access efficient market exposures, solve implementation challenges, and design multi-asset portfolios that respond to their evolving needs. We also offer systematic alpha and alternative strategies to complement clients' core holdings. This role is part of Parametric's hybrid working model, which includes working in the office 3 days a week and choosing to work remotely or in the office the remaining days of the week. ABOUT THE TEAM The Client Relations Group (CRG) at Parametric builds meaningful relationships with clients by closely collaborating with sales teams and internal partners to deliver exceptional operational client service for accounts and client activities. CRG is comprised of teams and functions including Client Experience (client service and onboarding teams), Client Operations, and Client Control & Contract Management. ABOUT THE ROLE This Supervisor position is part of the Client Service team within the Client Experience organization at CRG. The Operations Supervisor oversees, monitors, and improves the daily workflow for their assigned regions. Responsibilities include supervising, mentoring, supporting, and training associates based on feedback from internal teams. The Operations Supervisor collaborates with team leadership and associates to increase efficiency and reduce risk. Building relationships with internal teams and clients, employee development, and management are key aspects of the role. Primary Responsibilities Manage and mentor individual production team members and first time managers. This includes training, active feedback, performance management and performance evaluations. Establish regular lines of communication for upward and downward management with all direct reports and co-direct reports. Manage approximately 5-8 direct reports on a daily basis Provide regular feedback on client service expectations to group. Work with Client Service VPs to execute Objectives & Key Results (OKRs) and maintain healthy Key Risk Indicators (KRIs). Facilitate workload distribution amongst the team. Help the team with day-to-day workflow, identifying activities that need to be escalated/prioritized, and facilitating the review and remediation of escalated items. Serve as the escalation point for client relationships and team members, as well as intradepartmental requests, including error resolution. Utilize informed discretion regarding the need for further escalations with a solution orientated mindset. Participate as needed on client conference calls and meetings. Proactively seek opportunities to improve team processes to reduce risk and improve efficiencies, leveraging a growth-oriented mindset. Help lead and implement ad-hoc team projects and initiatives, communicating needs to team. Serve as a knowledge expert among peers and other departments. Deep understanding of the “whys” behind processes. Partner with leadership across the organization to carry out goals of the team and department. Create and oversee reports to mitigate risk within the organization. Proactively seek opportunities to improve efficiencies within the team and department. Help monitor and manage efforts pertaining to business continuity and resiliency. Create and maintain content for learning and development purposes across group. Proactively maintain and/or establish new controls within group to mitigate risk; lead the drafting and maintenance of channel guides/ master process guides/ team policies and procedures. Help facilitate the development, testing, and deployment of new technology releases/ applications on behalf of group. Work with Vice President to generate metrics and create reports that assist in determining resource needs by recognizing key trends. Job Requirements 4-year degree, preferably in related discipline such as economics, finance, or marketing; work experience in lieu of degree will be considered. 5+ year's proven experience working with financial services advisors, preferably in a client service role. 2+ years of direct team leadership experience. Strong relationship building skills. Excellent communication skills - in writing/oral with internal/external partners. Experience with RIA/Wire and Independent community, separate accounts, UMAs, tax-efficient products and indexing a plus. Thorough knowledge of Microsoft Office Suite. Strong ability to learn new processes and systems. Exhibits clear project management skills; managing deadlines, keeping stakeholders informed, anticipating roadblocks, preparing back-up plans, etc. Parametric believes each member of our organization makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. Therefore, this job description is designed to outline primary duties and qualifications. It is our expectation that every member of our team will offer his/her/their services wherever and whenever necessary to ensure the success of our client services. WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste ***************************************************** into your browser. Expected base pay rates for the role will be between $78,000 and $140,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Plano, Texas **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (*********************************************************************************************************** **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** This job is responsible for providing leadership, technical direction and oversight to a team delivering technology solutions. Key responsibilities of the job are to provide oversight of the design, implementation, and maintenance of complex computer programs, align technical solutions to business objectives, and ensure that coding practices/quality comply with software development standards. Job expectations include conducting multiple software implementations and applying both depth and breadth in knowledge of several technical competencies. **Responsibilities** + Responsible for providing leadership, technical direction, and oversight to a team as they deliver technology solutions. + Develop solutions and processes for delivering features based on their knowledge of design/architectural patterns and Agile/DevOps practices. + Ensure the systems design and requirements are aligned to achieve the desired business outcomes, and that team practices and coding/quality principles are aligned to achieve the desired technology outcomes. + Develop, enhance, modify and maintain applications in the Global Markets environment. + Implement modern Bloomberg API in Bank of America environment. + Utilize in-depth capital markets product knowledge and manage a high level of risk. + Ensure solution meets product acceptance criteria with minimal technical debt. + Play a major role in moving back-office data centers from PROD to CNR or vice versa. + Implement never down (hot-hot) design for critical flows. + Enhance and support financial trading system with high volume of transactions per second. + Develop multi-threaded server-side applications using Java and J2ee, to build efficient and scalable applications. + Design and develop solution architecture to scale backend systems with Sprint framework, Spring boot, Spring MVC and Rest APIs. + Develop functional testing using Cucumber and DevOps technologies for CI/CD including Ansible ,Jenkins, JFrog and Bitbucket. + Practice Agile and Test Driven development with full unit test coverage in order to cover all scenarios identified by product owners and business analysts. + Design and develop new proof of concept projects to enhance current software systems to handle increased traffic and larger datasets with cutting edge technologies including Tibco, SQL Server and AMPS. + Remote work may be permitted within a commutable from the worksite. **Required Skills & Experience** + Bachelor's degree or equivalent in Computer Science, Computer Information Systems, Management Information Systems, Engineering (any), or related: and + 5 years of progressively responsible experience in the job offered or a related IT occupation. + Must include 5 years of experience in each of the following: + Enhance and support financial trading system with high volume of transactions per second. + Develop multi-threaded server-side applications using Java and J2ee to build efficient and scalable applications. + Design and develop solution architecture to scale backend systems with Sprint framework, Spring boot, Spring MVC and Rest APIs. + Develop functional testing using Cucumber and DevOps technologies for CI/CD including Ansible ,Jenkins, JFrog and Bitbucket. + Practice Agile and Test Driven development with full unit test coverage in order to cover all scenarios identified by product owners and business analysts. + Design and develop new proof of concept projects to enhance current software systems to handle increased traffic and larger datasets with cutting edge technologies including Tibco, SQL Server and AMPS. If interested apply online at ***************************** or email your resume to ***************** and reference the job title of the role and requisition number. **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.