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Finance Analyst Watford (Hybrid – 2–3 days in the office) £34,000 - £36,000 + Great Benefits and bonus Our client, a well-established and sector-leading business based in Watford, is looking to source a Finance Analyst for their commercial finance team. This is a fantastic opportunity for someone early in their finance career looking to gain broad exposure and accelerate their development in a supportive, forward-thinking environment. This is a varied Analyst position offering experience across multiple areas of finance, with the opportunity to rotate and build a well-rounded skillset. You’ll be working closely with senior stakeholders and playing a key role in delivering insight to support business decision-making. Key responsibilities include: • Supporting the month-end process, including P&L analysis and reporting, • Assisting with budgeting and forecasting cycles, • Producing regular financial reports and performance analysis, • Partnering with non-finance teams to provide insight and challenge, • Identifying trends, risks, and opportunities through data analysis, • Contributing to the continuous improvement of reporting and processes This role would suit a high-potential individual looking to build a long-term career in finance. You’ll be someone who enjoys problem-solving, working with data, and engaging with stakeholders across the business. Ideally, you will have intermediate to advanced Excel skills, a degree in Finance, Accounting, Economics or a related field (or equivalent), actively studying a professional qualification (ACCA/CIMA/ACA) and have a proactive and inquisitive approach, with the confidence to ask questions. If you’re looking for a role that offers genuine development, variety, commercial finance exposure, reward and recognition, apply now.

We are looking for a Finance Analyst to support a high-performing Technology function within a fast-paced and evolving business environment. This opportunity is ideal for a proactive and analytical finance professional who enjoys partnering with non-finance stakeholders, challenging costs, and supporting investment decisions across a large operational function. The role offers broad exposure across financial control, forecasting, business partnering, and project investment analysis. Key Responsibilities Financial Control & Reporting • Support the monthly close process, including journal postings, reconciliations, variance investigations, and balance sheet reviews., • Ensure accurate accounting treatment of operational and project-related expenditure, including capitalisation where appropriate., • Assist in maintaining robust financial controls across Technology-related costs. Performance Analysis • Prepare monthly and year-to-date performance reporting with clear commentary and insight for senior stakeholders., • Analyse trends, variances, and key drivers impacting operational and investment spend., • Provide reporting to support management accounts and leadership updates. Business Partnering • Work closely with Technology and operational teams to support budgeting and forecasting activities across both opex and capex., • Build strong working relationships with stakeholders to improve financial understanding and cost visibility., • Support decision-making by providing financial insight and challenge where required. Investment & Project Support • Partner with stakeholders to review investment proposals and project business cases., • Ensure appropriate financial treatment and tracking of project expenditure., • Support governance and reporting around strategic investments and ongoing initiatives. Ad Hoc Analysis • Conduct detailed analysis on operational and project-related spend to identify risks, opportunities, and efficiencies., • Deliver actionable insights from large and complex datasets., • Support wider finance initiatives and continuous improvement activities. Candidate Requirements Essential • Part-qualified accountant (CIMA, ACCA, or ACA)., • Strong analytical and data interpretation skills., • Advanced proficiency in Excel and/or Google Sheets., • Excellent attention to detail and problem-solving capability., • Strong communication and stakeholder management skills., • Ability to work effectively in a fast-paced and changing environment., • Proactive, inquisitive, organised, and adaptable approach. Preferred • 1–2 years’ experience in a Finance Analyst or similar commercial finance role., • Degree or strong academic background in a science, mathematics, finance, or analytical discipline., • Experience extracting meaningful insights and recommendations from complex financial data. What’s on Offer • Opportunity to develop within a collaborative and commercially focused finance team., • Exposure to senior stakeholders and strategic investment activity., • Hybrid and flexible working environment., • Competitive bonus and pension arrangements., • Employee discount and lifestyle benefits., • Health and wellbeing support programmes, including employee assistance and family support initiatives., • Ongoing learning, development, and career progression opportunities.

* * SALARY: From 42,692 pa dependent on experience LOCATION: Milton Keynes HYBRID WORKING: Our current hybrid working policy requires a minimum of 60% of working time to be based in the Milton Keynes office however flexibility is expected to meet the needs of the business and the role. HOURS / CONTRACT TYPE: Full time permanent 35 hours CLOSING DATE: 25/5/2026 We reserve the right to close the advert earlier If we receive a high volume of applications. Were looking for ahighly motivated and experienced Treasury Analyst to join our team, focusing on funding, liquidity and interest rate risk. The role spans responsibilities across Volkswagen Financial Services (UK) Ltd (VWFS UK) and VW Bank GmbH (UK Branch) (VW Bank UK) In this role, you'll be accountable for establishing, implementing and producing the necessary liquidity, hedging and stress scenario analytics and models to inform decision making and regulatory reporting requirements. What youll be doing: • You'll be accountable for full compliance with all applicable rules, regulations and standards, including the European Organisational Handbook (EOHB), Financial Conduct Authority (FCA) and European Central Bank (ECB) requirements., • Own and manage monthly Asset & Liability (ALM) data uploads and reporting for all UK entities, consistently meeting regulatory deadlines to support downstream ECB and PRA Risk and Regulatory reporting., • Monitor, measure and report interest rate risk exposures using gap analysis and interest rate risk models in line with the approved framework., • Ensure funding, swap derivatives and longterm loan structures remain within approved Asset & Liability limits and aligned to relevant risk frameworks. Partner with Headquarters to review and maintain swap effectiveness and derivative testing documentation, supporting the ongoing hedge accounting approach., • Develop and present datadriven recommendations for interest rate swap activity to manage ALM mismatches and minimise exposure to interest rate volatility, underpinned by robust quantitative analysis and market insight., • Support the implementation of natural hedging strategies between VWFS UK and VWSB Ltd, providing modelling, analysis and insight to inform strategic decisionmaking., • Lead the design, development and ongoing enhancement of Treasury and Liquidity models and forecasts, enabling clear reporting of liquidity and hedging positions to regulators, local management and Group Headquarters., • Contribute to the delivery of Internal Liquidity Adequacy Assessment Process (ILAAP/ILAPP) requirements, including data collection and liquidity stress testing. Produce and analyse Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) outputs, informing funding strategy and HighQuality Liquid Assets (HQLA) optimisation., • Prepare and deliver Market, Capital and Liquidity Risk Committee reports on a monthly basis, actively managing Key Risk Indicators (KRIs) to support informed risk decisions. Produce Treasury reports and Asset & Liability Committee (ALCO) packs for local and Group committees as required., • Maintain strong control frameworks and reconciliations, ensuring all model outputs reconcile to Accounting, Liquidity and Regulatory reporting actuals. Fully investigate and explain variances, and ensure models are efficient, welldocumented, auditable and compliant with Internal Development Policy (IDP) requirements., • Own the consolidated UK entity planning tool, delivering a detailed fiveyear liquidity and funding plan. Validate and challenge HQ planning inputs, analyse the impact of funding options, and conduct scenario and stress analysis to assess the effect of market movements on interest rates, funding costs and liquidity positions. Youll need to be at least a part qualified Treasurer (ACT) or Accountant (ACA, ACCA)with a great understanding of Treasury and Accounting. Youre committed to learning and continuous professional development to remain commercially aware of current and emerging market and credit risks. Essential experience & skills • You'll have demonstrable experience of Treasury Function operations preferably within a financial services environment., • You can build strong stakeholder relationships both internally up to director level and externally to secure commitment and support., • A proactive approach with the ability to react appropriately and effectively to changing circumstances and demands., • You're able to anticipate and understand interdependencies between different functional areas. Bonus: Discretionary 10% on-target bonus (based on personal and Group company performance) Pension: Employer pension contribution of 9% (based on employee contribution of 3%). VWFS will pay 6% if employee chooses a 2% employee contribution. Car schemes*: Choice of Employee Car Ownership (ECO) scheme for petrol/diesel and hybrid vehicles plus car insurance OR Company Car scheme for Battery Electric Vehicles (BEVs) plus car insurance cover for you and a partner/eligible family member. Other benefits: From day 1 we provide income protection, life assurance (4x salary), retail discount vouchers , access to Care Concierge (a service to support carers of adults), along with other salary sacrifice options including a will writing service and cycle to work (subject to scheme restrictions). Following successful completion of probation, you will have access to private medical insurance for you (with the option to buy additional family cover), access to our loan car scheme for up to 2 cars for your partner or eligible family members (subject to scheme restrictions) and during our annual benefit window you can purchase critical illness cover and dental cover , so you can select the benefits that matter to you. We invest in our people and are passionate about driving development. Youll have access to LinkedIn Learning via our Degreed platform as well as a host of professional development programmes and opportunities to build your technical and soft skills so you can further develop your career. We also offer mentoring schemes and reciprocal partnerships recognising that we can all learn from each other in the flow of work. * * * Why join VWFS UK? Youll have the opportunity to make a difference by helping us to achieve our mission. Our mission is straight forward; we want to be 'The Key to Mobility'. That means we make getting from A-to-B as easy and simple for as many people as possible. To truly meet the mobility needs of people in a changing world, our offering goes beyond traditional vehicle financing. We do this by providing a range of finance and aftersales products on Volkswagen Group vehicles, as well as developing innovative mobility products designed to solve real problems and support our customers. No candidate will meet every single desired qualification. If your experience looks a little different from what we've identified and you think you can bring value to the role, we'd love to learn more about you! VWFS is proud to be an inclusive employer and encourages applications from a diverse range of candidates. Diversity, Equity & Inclusion isnt just a statement for us, we encourage and aspire for all our colleagues to be their 100% self. If you need any reasonable adjustments to assist you with the application and/or recruitment processes, please contact our Resourcing Team. This role does not meet the UKVIs criteria for the skilled worker sponsorship route, therefore we are unable to accept candidates requiring sponsorship for this role.

Trainee Business Analyst Programme – Job Guarantee Included Complete online training designed to take you from zero experience to your first Business Analyst role. Study part-time, build fundamental skills, and get dedicated job placement support until you're hired. Flexible financing options available, with payment plans starting from as low as £142 per month. The Programme Complete this 8-10 week online training with just 2 hours per day of study time. You will learn industry-recognised methodologies, including business process modelling, stakeholder analysis, and requirements engineering, while building practical experience with real-world case studies. The programme includes earning BCS certification recognised by UK employers, expert tutor support throughout your studies, dedicated recruitment support with CV rewrite, interview preparation, and access to exclusive job opportunities. The Outcome 93% of graduates secure business analyst roles within 3 months. Starting salaries: £30,000 – £40,000+ Who This Is For The programme is completely beginner-friendly, so no experience is needed. Career changers are welcome, and you can study at your own pace. *This programme is available to UK-based learners only. Ready to start earning in Business Analysis? Limited spaces available. Apply now for the next available cohort.

Trainee Business Analyst Programme – Job Guarantee Included Complete online training designed to take you from zero experience to your first Business Analyst role. Study part-time, build fundamental skills, and get dedicated job placement support until you're hired. Flexible financing options available, with payment plans starting from as low as £142 per month. The Programme Complete this 8-10 week online training with just 2 hours per day of study time. You will learn industry-recognised methodologies, including business process modelling, stakeholder analysis, and requirements engineering, while building practical experience with real-world case studies. The programme includes earning BCS certification recognised by UK employers, expert tutor support throughout your studies, dedicated recruitment support with CV rewrite, interview preparation, and access to exclusive job opportunities. The Outcome 93% of graduates secure business analyst roles within 3 months. Starting salaries: £30,000 – £40,000+ Who This Is For The programme is completely beginner-friendly, so no experience is needed. Career changers are welcome, and you can study at your own pace. *This programme is available to UK-based learners only. Ready to start earning in Business Analysis? Limited spaces available. Apply now for the next available cohort.

Trainee Business Analyst Programme – Job Guarantee Included Complete online training designed to take you from zero experience to your first Business Analyst role. Study part-time, build fundamental skills, and get dedicated job placement support until you're hired. Flexible financing options available, with payment plans starting from as low as £142 per month. The Programme Complete this 8-10 week online training with just 2 hours per day of study time. You will learn industry-recognised methodologies, including business process modelling, stakeholder analysis, and requirements engineering, while building practical experience with real-world case studies. The programme includes earning BCS certification recognised by UK employers, expert tutor support throughout your studies, dedicated recruitment support with CV rewrite, interview preparation, and access to exclusive job opportunities. The Outcome 93% of graduates secure business analyst roles within 3 months. Starting salaries: £30,000 – £40,000+ Who This Is For The programme is completely beginner-friendly, so no experience is needed. Career changers are welcome, and you can study at your own pace. *This programme is available to UK-based learners only. Ready to start earning in Business Analysis? Limited spaces available. Apply now for the next available cohort.

Commercial Finance Analyst Watford (Hybrid - 2-3 days in the office) £40,000 - £45,000 + Bonus & Excellent Benefits Our client, a market-leading and well-established business based in Watford, is looking to appoint a talented Commercial Finance Analyst to join their high-performing commercial finance team. This is an outstanding opportunity for a soon-to-be-qualified finance professional who is progressing well through their studies and looking to accelerate their career within a supportive, forward-thinking environment. The role offers broad commercial exposure, genuine development opportunities, and the chance to work closely with senior stakeholders across the business. The Role This is a highly varied position that will provide exposure across multiple areas of finance, enabling you to build a well-rounded commercial skillset. You'll play a key role in delivering meaningful financial insight to support strategic decision-making and business performance. Key Responsibilities Support the month-end close process, including P&L analysis and reporting Assist with budgeting, forecasting, and financial planning cycles Produce regular financial reports, analysis, and performance commentary Partner with non-finance stakeholders to provide insight, challenge, and support Analyse data to identify trends, risks, and commercial opportunities Contribute to the continuous improvement of reporting processes and systems About You This role would suit a driven and ambitious individual looking to build a long-term career within commercial finance. You'll be naturally analytical, inquisitive, and confident working with both data and stakeholders across the business. Ideally, you will have: * Intermediate to advanced Excel skills * A degree in Finance, Accounting, Economics, (1st or 2.1) * A Grade A Levels * Active study towards ACCA, CIMA, or ACA qualification (finalist or passed finalist preferred) * A proactive mindset with the confidence to challenge, question, and improve processes * Strong communication and problem-solving skills What's on Offer * Excellent career development and progression opportunities * Broad commercial finance exposure within a leading organisation * Supportive and collaborative team environment * Competitive salary, bonus, and benefits package * Hybrid working flexibility If you're looking for a role that offers genuine progression, variety, and the opportunity to make a real commercial impact, apply now. AGY - Vitae Financial Recruitment We Exist To Be Different - Membership NOT Registration

TJX Europe At TJX Europe, every day brings new opportunities for growth, exploration, and achievement. You'll be part of our vibrant team that embraces diversity, fosters collaboration, and prioritises your development. Whether you're working in our Distribution Centres, Corporate Offices, or Retail Stores-TK Maxx & Homesense, you'll find abundant opportunities to learn, thrive, and make an impact. Come join our TJX team-a Fortune 100 company and the world's leading off-price retailer. Job Description: We're looking for a Senior Product Analyst to join our agile Workday Security team and play a key role in designing secure, scalable, and audit-ready solutions across our global Workday platform. This senior role offers the opportunity to work hands-on with Workday security configuration, lead cross-functional discovery sessions, and mentor junior analysts-while acting as a trusted SME guiding strategic security and product decisions. You'll drive feature refinement, solution design, and end-to-end testing with autonomy, ensuring our security model aligns with enterprise standards, audit requirements, and regulatory needs. If you're passionate about Workday Security and want to influence meaningful change in a collaborative, fast-paced environment, this is the role for you. Why Work With Us? We value integrity, respect, and teamwork, encouraging a unique and inclusive culture. Enjoy Associate discounts at our stores, available to you and eligible family members Immediate access to our Group Benefits package, including a Health Care Spending Account, Retirement Savings Program, Associate & Family Assistance Program, and various well-being resources. A competitive vacation package, paired with a Vacation Trade Program that allows you to opt in for an extra week. Comprehensive training and development resources designed to help you learn, grow, and succeed. Exciting career paths with growth opportunities and tuition reimbursement to support your career progression.What You'll Do: Core Responsibilities Serve as a senior resource for Workday Security Administration, supporting day-to-day operations and leading strategic initiatives in a large enterprise environment. Collaborate with the security team, other product teams, and business partners to gather requirements, configure security settings, and support testing and audit activities. Partner with the team during backlog refinement for security features (estimation, acceptance criteria, testing strategy) and drive discovery to define security impacts, dependencies, and cross-functional needs. Analyze complex business processes and translate them into secure, compliant, and scalable Workday solutions that follow least-privilege principles. Coordinate functional and non-functional testing (e.g., regression, negative testing, SoD validation) to ensure solutions meet policy, audit, and risk standards. Partner with audit, risk, and compliance teams on access reviews, controls testing, remediation, and release readiness; maintain high-quality security documentation. Mentor junior analysts and champion standards for configuration, documentation, and knowledge sharing. Provide operational support for incident resolution and access request processes, including ServiceNow ticket handling.Technical Expertise Workday Security Configuration Hands-on configuration of Domain Security Policies and Business Process Security Policies. Configure and manage Workday Security Groups, including: Role-Based Security Groups (RBAC) User-Based Security Groups Aggregation Security Groups Segment-Based Security Groups Document Segment-Based Security Groups Integration System Security Groups (ISSGs) Integration System Users (ISUs) Lead role creation and assignment, ensuring appropriate access across modules and safeguarding sensitive data. Support integration security for EIBs/APIs, manage ISU/ISSG lifecycles, and oversee credential/token rotation practices.Device & Access Management Configure and manage authentication policies, including Multifactor Authentication (MFA), SAML/SSO integrations, and Proxy Access policies. Support and troubleshoot Workday Mobile access and device-related issues.Preferred Experience Workday implementation or rollout experience, especially in global or multi-country environments. Familiarity with GDPR, Works Council requirements, and other regional compliance standards. Functional knowledge of Workday HCM modules (Core HCM, Recruiting, Talent & Performance, Compensation, Absence, Benefits, Payroll). Knowledge of HR operations, compliance requirements, and HR data standards. Understanding of audit reporting, compliance support, and security best practices. •Workday Core HCM certification.About You: Bachelor's Degree or equivalent IT Delivery skillset/training/experience. Very strong experience supporting a large, global Workday environment with deep expertise in Workday Security. Proficient in security architecture and configuration (domains, BPs, roles, security groups, and report/data access), with proven experience troubleshooting access-related issues. Demonstrated experience running access reviews, supporting audits, and partnering with risk/compliance on controls. Comfortable building test strategies, executing validation, and documenting results for audit readiness. Excellent problem-solving skills with the ability to think strategically and work independently. Strong listening, documentation, and communication skills (written and verbal), with the ability to engage both technical and business stakeholders.If you're ready to bring your energy and passion, we'd love to hear from you. Join us and be part of a place where every day is a chance to make a difference. As proud as we are of our past success, it's our future that excites us most. We strive to provide opportunities for growth, recognition and a competitive salary and benefits package. Share our determination to think bolder and bigger, and be part of our future. We consider all applicants for employment without regard to age, disability, gender, gender reassignment, marriage and civil partnerships, pregnancy and maternity, race, religion or belief and/or sexual orientation. Address: 73 Clarendon Road Location: EUR Home Office Watford GB

Your new company You will be joining a large, well‑established organisation with a strong UK presence. The company places a high value on service quality, collaboration, and continuous improvement, offering a structured IT environment that supports a wide range of end users across multiple locations. Your new role As an IT Service Analyst, you will be part of a dedicated Service Desk team providing 1st and 2nd line technical support to employees across the organisation. You will act as a key point of contact for IT incidents and service requests, logging and resolving issues via phone, email, portal, and in person. The role will involve working on a rota to ensure consistent Service Desk coverage, managing incidents through to resolution, escalating where necessary, and keeping users informed throughout the process. You will also support site setups, relocations, and de‑commissioning activities, assist during major incidents, and contribute to ongoing IT project work as required. Occasional travel to other UK sites will be required to provide on‑site support. What you'll need to succeed Proven experience working within an IT service support or Service Desk environment A broad technical understanding of IT systems and services, including Windows OS, MS Office, and the Microsoft 365 suite Experience supporting desktop applications, networks, and mobile device management Strong troubleshooting and problem‑solving skills, with the ability to manage issues in a fast‑paced environment A customer‑focused approach with a commitment to service quality and accurate documentation The ability to work methodically, manage priorities, and meet deadlines ITIL Foundation (v4) certification or similar is desirable, but not essential What you'll get in return In return, you'll have the opportunity to work in a supportive IT team within a stable organisation that values learning, collaboration, and continuous improvement. You'll gain exposure to a broad range of technologies, participate in project work, and develop your technical and professional skills over time. What you need to do now If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV. If this job isn't quite right for you, but you are looking for a new position, please contact us for a confidential discussion on your career. Hays EA is a trading division of Hays Specialist Recruitment Limited and acts as an employment agency for permanent recruitment and employment business for the supply of temporary workers. By applying for this job you accept the T&C's, Privacy Policy and Disclaimers which can be found at (url removed)

Finance Analyst Watford (Hybrid - 2-3 days in the office) £34,000 - £36,000 + Great Benefits and bonus Our client, a well-established and sector-leading business based in Watford, is looking to source a Finance Analyst for their commercial finance team. This is a fantastic opportunity for someone early in their finance career looking to gain broad exposure and accelerate their development in a supportive, forward-thinking environment. This is a varied Analyst position offering experience across multiple areas of finance, with the opportunity to rotate and build a well-rounded skillset. You'll be working closely with senior stakeholders and playing a key role in delivering insight to support business decision-making. Key responsibilities include: • Supporting the month-end process, including P&L analysis and reporting - Assisting with budgeting and forecasting cycles - Producing regular financial reports and performance analysis - Partnering with non-finance teams to provide insight and challenge - Identifying trends, risks, and opportunities through data analysis - Contributing to the continuous improvement of reporting and processes This role would suit a high-potential individual looking to build a long-term career in finance. You'll be someone who enjoys problem-solving, working with data, and engaging with stakeholders across the business. Ideally, you will have intermediate to advanced Excel skills, a degree in Finance, Accounting, Economics or a related field (or equivalent), actively studying a professional qualification (ACCA/CIMA/ACA) and have a proactive and inquisitive approach, with the confidence to ask questions. If you're looking for a role that offers genuine development, variety, commercial finance exposure, reward and recognition, apply now. AGY - Vitae Financial Recruitment We Exist To Be Different - Membership NOT Registration

Evolve are partnering with a leading UK MedTech organisation to recruit a Commercial Analyst to join the centre of its strategic decision-making function. This is an opportunity to go beyond reporting and use data-driven insight to shape commercial decisions across products, suppliers, and performance, supporting business growth and better patient outcomes. This is a full-time, hybrid position based from our client’s head office in Hertfordshire. Why Apply? Excellent Salary & Benefits - A competitive starting salary of £27,500 to £33,000 DOE, plus pension, and much more! Collaborative Culture - Thrive in a supportive, people-focused environment. Ideal Requirements for the Commercial Analyst • Experience in analytical or commercially focused environments - Brings experience from a commercial, analytical, or data-led role, ideally with exposure to products, suppliers, pricing, or margin analysis., • Commercially minded and analytically strong - Able to turn data into meaningful commercial insight, with a clear understanding of how businesses grow, perform, and create value., • Confident working with data and decision-making tools - Strong Excel capability as a minimum, with the ability to analyse information accurately and present clear, actionable conclusions., • Naturally curious with a proactive mindset – Looks beyond what’s immediately visible, asks the right questions, and takes ownership without waiting for direction. Role Responsibilities for the Commercial Analyst • Turn data into commercial direction - Use insight across capital, consumables, and service to spot opportunities, risks, and trends early, influencing key business decisions with clear, actionable recommendations., • Shape the future product portfolio - Identify gaps, evaluate new products and suppliers, and help bring commercially strong, clinically relevant solutions into the business., • Drive smarter commercial performance - Support campaigns and planning with data-led insight, tracking performance end-to-end to ensure decisions are driven by evidence, not habit., • Influence profitability and supplier strategy - Analyse margin, cost-to-serve, and supplier performance to identify where value can be strengthened, improved, or protected. Recruitment Process 2 stage interview process Interview with a hiring manager who is a passionate and experienced leader, values your ideas, mentors your growth, and is committed to helping you succeed in this role. Excited to learn more? Click apply or reach out to the MedTech recruitment team for full details! Evolve is a leading recruitment and outsourcing organisation, operating within the Pharmaceutical, Healthcare, Medical Device and Life Science sectors. Equal opportunities are important to us. We believe that diversity and inclusion are critical to our success as a company, We encourage applications from everyone, regardless of background, gender identity, sexual orientation, disability status, ethnicity, belief, age, family or parental status, and any other characteristic