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Job DescriptionBenefits: • Bonus based on performance, • Competitive salary, • Dental insurance, • Flexible schedule, • Health insurance, • Opportunity for advancement, • Paid time off, • Training & development The Lindsay Quigley-Sapanaro State Farm team is seeking a qualified professional to join their winning team as an Insurance and Financial Services licensed agent. Seeking an energetic, professional, detail-oriented, and organized individual with a positive attitude, growth mindset, and coachability, passionate about driving business growth through value-based conversations and exceptional customer experiences. . Responsibilities • Prospect to new and current database., • Build and maintain strong relationships to drive sales growth., • Understand customer needs and recommend appropriate products or services., • Meet or exceed sales targets and contribute to overall business goals., • Follow up with leads and manage sales pipeline effectively., • Collaborate with the team to refine sales strategies and improve customer experience., • Maintain accurate records of sales activities and customer interactions., • Coachable - Able to quickly apply coaching and adapt in real-time with openness to feedback., • Ask for referrals and reviews., • Always conduct yourself professionally.Benefits:, • Competitive salary plus performance-based commission and bonuses., • Training & development., • Health benefits., • Paid time off for full time employees., • Growth potential/opportunity for advancement within my agency, • Have your Property/Casualty & Life/Health Insurance licenses in Arizona with non-resident licenses for California, Colorado, and New Mexico., • Obtain an agreement with State Farm within the first two weeks of employment by completing all State Farm training., • Coachable - Able to quickly apply coaching and adapt in real-time with openness to feedback, • A motivated self-starter who thrives in a fast-paced environment., • Growth mindset, positive attitude, and passionate.Our Company Values:, • Respect, • Integrity, • Reliability, • Pride

Warehouse Associate: Shipping-Picking.Founded in Denver in 1987, QED aims to provide high-quality electrical products and services to the industry.QED employs over 500 associates across 18 branches within Arizona and Colorado to serve commercial and residential contractors, industrial facilities, an

Founded in Denver in 1987, QED aims to provide high-quality electrical products and services to the industry.QED employs over 500 associates across 18 branches within Arizona and Colorado to serve commercial and residential contractors, industrial facilities, and OEM businesses.At QED, we embrace wh

Job DescriptionSalary: $70-80k About Kiln: Kiln is a flex office and lifestyle brand. We deliver an exceptional experience that elevates the performance and lifestyle of our members through an ecosystem of people, products, places, and spaces. Kiln opened its first 2 locations in 2018 in Salt Lake City and Lehi, Utah. Today we have 15 locations across Utah, Arizona, California, Colorado, Oregon, and Idaho with plans of rapid expansion throughout the western United States. Kiln is pioneering the future of hybrid work within the niche of flex office in the broader commercial real estate sector. Our Core Values: 1: Human at the core 2: Achieve & Celebrate Together 3: Thoughtful and with Purpose 4: Always Evolving 5: Nothing short of Extraordinary 6: Scrappy & Ingenious Role Summary: The Community Director will be the face of the Kiln brand in Gilbert. This person will lead the curation of a vibrant community, recruit and manage a top-notch team, and ensure all aspects of the Kiln site run smoothly to provide a dynamic and frictionless working environment for members. This is an exciting opportunity to play a critical role in Kilns successful entry into the Bend market and to help establish the brand as a market leader in the region. Goals and Objectives: • Provide a world-class experience for Kiln members and guests, • Drive top-and bottom-line growth for the site through P&L ownership, • Implement practices to ensure operational excellence for the community, • Drive sales growth by increasing occupancy, event bookings, and member retention Major Responsibilities: Community Building & Management • Develop community initiatives designed to create connections between members, including events, member introductions, electronic, and print communications, • Solve member-related issues to ensure a cohesive community and manage member expectations, • Oversee a robust calendar of events to ensure there is a good balance of educational, member appreciation, lead-generating, and sales-related events, • Proactively gather data on members business goals and identify both Kiln and member services that could help members achieve their commercial objectives, • Seek opportunities to engage members to discover and discuss members objectives, i.e., using member service requests as an opportunity to learn more about members, members business, and any other needs members may have, • Design and implement processes, guidelines, and best practices for the community to optimize member experience, • Resolve member complaints regarding other members through neutral fact investigation and process termination of membership where warranted, • Explain Kiln policies and procedures to members, including but not limited to a) membership agreement, b) House Rules, and c) billing procedures., • Able to collaborate with other functions of kiln: Marketing, Operations, IT, Sales/BD, • Oversee new member onboarding to ensure successful integration into the community, • Maintain member lifecycle documentation and transitions (move-ins/move-outs), • Own responsibility for sales and community dynamics, • Responsible for the health and management of their HubSpot pipeline, • Achieve quarterly financial KPIs and revenue targets by driving membership sales/occupancy, event and meeting room revenue, and controlling operating expenses, • Lead tours for VIPs and guests of Kiln Members, • Manage all site operations and communicate with the operations team to ensure the highest level of member satisfaction, • Make recommendations about any repairs, maintenance, or updates required on the site, • Analyze tickets by area to identify and resolve issues presented, such as insufficient cleaning staff, repeated IT-related failures, and malfunctioning conference room equipment., • Produce comprehensive quality control reports that allow all stakeholders to improve the member experience, • Supervise move-ins and move-outs for quality experience, • Review daily reports and work with the team to finalize weekly and monthly reports that outline community and sales progress, • Manage the P&L of the site and fill out all reports associated with it, • Know and be able to implement member safety plans, i.e. fire and emergency plans, • Partner with Recruiting and Ops leadership to recruit an exceptional team to manage the day-to-day running of the site and execution of programming and events, • Manage team members to reach sales goals and execute their objectives as an individual and as a team, • Develop and manage weekly work plans of direct reports, • Lead professional development within team, including performance reviews, • Conduct weekly one-on-one meetings and weekly team meetings Ideal Experience and Skills: The ideal candidate will be an energetic, people-oriented professional with experience in hospitality (e.g., boutique hotel management), restaurants, and/or retail. Qualifications should include: • College graduate with a four-year degree (preferred, but not essential), • Customer service and sales experience required, • Familiarity with the Coworking and Hospitality Industry considered a plus, • Project management and business operations experience required, • Must have strong verbal and written communication skills, • Cold-outreach experience a plus, • Experience managing a team of more than two people, • Exceptional organizational and multitasking skills, • Demonstrate integrity, dependability, responsibility, accountability, self-awareness, work ethic, and empathy, • Passion and understanding for entrepreneurial communities, • Passion and understanding for Kilns mission and values

Flik Hospitality Group Salary: Other Forms of Compensation: What makes FLIK click What makes FLIK click? Our people.The decisions, actions and attitudes of our associates earn the trust and loyalty of our clients every day.We know how to pick them and we know how to grow them.It starts with hiri

If hired, you will be working for Quality Brand Group LLC a franchisee of Dunkin'.Quality Brand Group is a multi-store franchisee with a number of Dunkin' locations in.Arizona, Colorado, Florida, Nevada and Texas.At Quality Brand Group, we take great pride in our ability to create an environment wit

Flik Hospitality Group Salary: Other Forms of Compensation: What makes FLIK click _What makes FLIK click? Our people.The decisions, actions and attitudes of our associates earn the trust and loyalty of our clients every day.We know how to pick them and we know how to grow them.It sta

Primary City/State: Mesa, Arizona Department Name: C/P-Integrated Behav Hlth-Clnc Work Shift: Day Job Category: Clinical Care Health care is constantly changing, and at Banner Health, we are at the front of that change. We are leading health care to make the experience the best it can be. We want to change the lives of those in our care ? and the people who choose to take on this challenge. If changing health care for the better sounds like something you want to be part of, we want to hear from you. Minimum Qualification: BLS Provider (In Person, Banner Approved) Health Center has extended hour M-Th 7a-7p, Friday 7a-5p, and Saturday 8a-1p. MA will be responsible for a 10 hour week day 4 days per week. MA will be responsible to work 1 Saturday (approx every 8 weeks). Location: Banner Health Center East Mesa 1917 S Crismon Road Mesa, AZ 85209 At Banner Medical Group, youll have the opportunity to perform a critical role in the community where you practice. Banner Medical Group provides both primary and specialty care throughout the communities in which Banner Health operates. We do this in a variety of settings - from smaller group practices like our Banner Health Clinics in Colorado and Wyoming, to large multi-specialty Banner Health Centers in the metropolitan Phoenix area. We currently have more than 1,000 physicians and more than 3,500 total employees in our group and are seeking others to enhance our ability to deliver our nonprofit mission of providing excellent patient care. POSITION SUMMARY This position provides a variety of administrative and clinical support functions which contribute to the overall efficient operation of the clinic and serves as part of the care team. Responsible for performing duties that are taught with onsite education and training. Provides outstanding customer service and ensures a smooth patient flow process by providing services in admissions, scheduling patients, paperwork completion, and communication between providers and other clinical support staff. CORE FUNCTIONS 1. Collects patient data in the intake process, escorts patients back to the patient exam rooms, takes vitals. and documents all interactions according to policy. Communicates and reports condition of patient which may be indicative of change in the patients condition to the provider and ensures findings are accurately documented in the medical record., 2. Assists patients and their families with completing documents and initiates interpreter services for those with communication barriers. Uses discretion and is attentive to issues of HIPAA. Processes patient specific documents according to HIMS guidelines including identifying and placing manual barcodes on documents. Follows guidelines to assist with preparing medical records for the next day., 3. Maintains a clean, orderly, and well-stocked environment in accordance with infection prevention standards. May assist in room set-up and tray set-up dependent on specialty and needs of the department and under the direct supervision of a licensed professional., 4. Receives incoming calls from both internal and external lines, documents messages and routes to appropriate clinical staff, transferring calls when necessary. Provides support to include, pick-up/prioritizing/distributing mail, completing purchase requests, ordering supplies/forms, maintaining and re-stocking lobbies., 5. Ensures documentation in medical records are complete. Assists in facilitating requests for patient medical records from hospitals, practice offices and other ancillary. Follows guidelines and assists in developing procedures to ensure that medical records are in compliance with all state and federal laws. High school diploma/GED or equivalent working knowledge. Current BLS certification is required. Requires skills and abilities typically attained with 6 months of healthcare experience. Must possess excellent organizational skills, as well as effective human relations and communication skills. Computer literacy and keyboarding skills required. Employees working at Banner MD Anderson on the Banner University Medical Center Phoenix campus must possess a State of Arizona Department of Public Safety Level One Fingerprint Clearance Card at the time of hire and maintain the card for the duration of their employment. This is a requirement of the Whole Family Counseling Program held at this specific facility. PREFERRED QUALIFICATIONS Working knowledge of medical terminology preferred. Additional related education and/or experience preferred. EEO Statement: EEO/Disabled/Veterans Our organization supports a drug-free work environment. Privacy Policy: Privacy Policy

Why Deliver with DoorDash? DoorDash is the #1 category leader in food delivery, food pickup, and convenience store delivery in the US, trusted by millions of customers every day. Must be 19+ in Arizona, California, Colorado, Delaware, Florida, Georgia, Idaho, Kentucky, Montana, New Jersey, New Mexic

Why Deliver with DoorDash? DoorDash is the #1 category leader in food delivery, food pickup, and convenience store delivery in the US, trusted by millions of customers every day. Must be 19+ in Arizona, California, Colorado, Delaware, Florida, Georgia, Idaho, Kentucky, Montana, New Jersey, New Mexic

NextCare Introduction NextCare strives to be the leader in high access healthcare, offering urgent care, occupational health, virtual health and primary care services to our patients. With offering services in eleven states (Arizona, Colorado, Kansas, Michigan, Missouri, Nebraska, North Carolina, Oklahoma, Texas, Virginia and Wyoming) and over 165 urgent care clinic locations, we offer exceptional, affordable care to patients across the country. At NextCare, we constantly strive to provide you with the highest degree of caring, growth, integrity, results and teamwork. These essential core values form the foundation of our relationships with patients, customers, investors, partners and one another. Extraordinarily high-performance standards serve as critical guides for making important clinical and business decisions. The expression of these standards is evident in our behavior, our attitude, and our approach to our daily work. The product of our strict adherence to core values is the ability to harness tremendous organizational energy to achieve our goal of upholding the highest standard for quality and service within the high access healthcare. This unique combination of values, performance standards and commitment serves as the key to our success. What we are looking for NextCare Urgent Care is looking for an energetic and enthusiastic Physician Assistant or Nurse Practitioner to provide medical care to urgent care patients at our Higley and Chandler Heights Rd. location in Gilbert, AZ. Responsibilities The Physician Assistant or Nurse Practitioner is responsible for the following: • Evaluating and treating patients in accordance with clinical best practices for an urgent care and/or occupational health setting., • Providing compassionate and respectful patient care consistent with NextCare services, values and mission statement., • Treating all patients who present to the clinic appropriately and discuss the treatment plan with the patient ensuring there is a clear understanding of the next steps., • Documenting care utilizing the electronic documentation system., • Taking personal responsibility for appropriately coding and billing for care rendered., • Delivering exemplary care and act in a legal and ethical manner., • Maintaining clinical productivity consistent with peers and industry standards for a similar setting. The Physician Assistant or Nurse Practitioner supports the organization by providing exemplary patient care thereby creating valuable relationships within the community to contribute to the continued success of NextCare. Essential Education, Experience and Skills: • Active and unrestricted medical license, • Active D.E.A., • NCCPA certification for a Physician Assistant or an ANCC or AANP certification for a Nurse Practitioner, • Nurse Practitioners must be permitted to treat all age groups, from infant to geriatric, as per their board specialty, such as Family Nurse Practitioner, • Minimum of a Bachelor's degree in Physician Assistant studies or Master's of Nursing degree in Nurse Practitioner studies, • Active BLS Certification, • Must be comfortable with all age groups, • EHR proficient, • DOT Certification is/may be required. If you are not currently certified, we will register you for the training at no cost to you, • Experience with initial x-ray interpretation prior to over-read from the Radiologist, • Suturing, • For a Physician Assistant - Master's Degree in Physician Assistant studies NextCare offers full time provider employees: CME/license reimbursement program, malpractice insurance, medica/dental/vision insurance, health savings account, basic life, voluntary employee/spouse/child life, long term and short term disability, employee assistance program, critical illness, accident, legal, identity theft and paid time off benefits. Employees of all statuses are offered 401(k) Plan benefits. Benefits are offered per policy and plan rules. #IND1

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are seeking a Director of Military Affairs - Army with extensive staff and leadership experience at a major military command or higher headquarters. The ideal candidate should possess in-depth knowledge of military leadership structures and installation functions, as well as Army active duty and Reserve Forces programs. This position requires the ability to work weekends and long hours, with at least 120 days of travel per year. Additionally, candidates should have 10 or more years of experience in military community engagement, program development, and advocacy. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position. What you'll do: * Advises the planning, execution, and analysis of Military Affairs service strategies. Collaborates with executive management to establish strategic and operational frameworks and achieve business objectives. * Provides consultation and execution support to USAA National Platform issues. Facilitates contact between internal and external partners to complete business agreements and assists with contract negotiations, proof of concepts, and return on investment contract surveys. * Collaborates with Marketing and Corporate Affairs partners to ensure accuracy and appropriateness of content and imagery depicting or referencing members of the Armed Forces. * Leads and initiates team training opportunities (e.g., New Product information, Marketing Campaign, Eligibility etc.) for Military Affairs Field team and USAA entities. * Develops and implements internal Military Affairs processes, policies, and programs to support current and future opportunities. Monitors and evaluates the effectiveness of processes, policies, and programs, adjusting plans as necessary to achieve desired outcomes and address gaps. * Facilitates access to Armed Forces installations through dialogue with appropriate levels of military leadership. * Represents USAA at selected public events engaging the military community. * Advises and trains senior management, new employees, and third-party vendors on military culture and relationship issues. Responsible for the coordination with the Military Affairs field team for trips to military installations. * Implements standard processes and management routines to increase efficiency, reduce costs, and improve member experience. * Travels regularly to field locations to support team members, assess operations, and maintain positive relationships with key partners. * Builds and leads all aspects of a team of employees through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities. * Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: * Bachelor's degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. * 8 years of experience engaging the military community to include outreach and relationship building, program development and delivery, and community engagement and advocacy. * 3 years of direct team lead or management experience required. * 20 years of experience serving in the Armed Forces; attendance at the DOD Keystone Course (Enlisted) or Command and General Staff College (Officer). * Proven track record of managing distributed teams and delivering measurable results in a fast-paced environment. * Strong leadership, communication, and interpersonal skills * Strong discernment, and ability to balance critical thinking with practical implementation skills. Analytical approach with the ability to interpret data and make data-driven decisions. * Experience working with clients/customers to realize business issues and develop a strategy for the businesss direction from the gathered insights. * Demonstrated understanding of tactical, operational and planning, program development and project tracking, and an ability to build and understand business metrics. * Possession of Military ID card required. What sets you apart: * Military assignment serving in a senior military leadership position. * Staff and leadership experience serving at a major military command or higher headquarters. * Extensive knowledge of military leadership structure and military installation functions. * Extensive knowledge of Army active-duty military, and Army Reserve Forces programs and services. * Ability to work weekends in support of Army active-duty, and Army Reserve Force activities as necessary. * Ability to work long hours and travel a minimum of 120 days per year to include extended overnight trips to include weekends. * 10-years or more experience engaging the military community. Compensation range: The salary range for this position is: $127,310 - $243,340. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA 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, disability, or status as a protected veteran.

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity As a dedicated Benefits Advisor (Mid-Level), specializing in Health & Wellness, you will play a vital role in supporting the well-being of our employees and their families. You will be responsible for managing key benefits programs, ensuring compliance, and promoting a culture of health and wellness across USAA. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position. What you'll do: * Program and vendor management for the vision and dental plans. * Subject matter expert for the wellness and fitness reimbursement programs. * Oversee family building program. * Responsible for onsite events such as the 5k across all campuses as well as the onsite biometric screenings. * Coordinate efforts to ensure HIPAA processes and controls meet standard to include monitoring the HIPAA training audience to verify the appropriate parties receive periodic training as well as work with compliance, privacy and learning teams to ensure HIPAA training curriculum is reviewed annually. * Applies proficient knowledge to provide guidance in the design, development, implementation, assessment and administration of benefit plans, programs, and services. * Supports the daily management of programs, regulatory compliance, contract compliance and contracted suppliers. * Researches and analyzes organizational trends, market data, and industry practices to identify root causes and address benefit issues to resolve efficient solutions. * Assists with raised issues on benefit programs. * Ensures vendors and benefit programs are integration and alignment with the Total Rewards philosophy. * Assesses supplier performance and contracts meet appropriate service levels to employees and plan participants. * Collaborates with the stakeholders to evaluate and modify objectives for employee benefit programs. * Evaluates the efficiency and impact of changes for benefits programs and initiatives. * Ensures legal compliance of regulations applying to assigned benefit programs and assesses the legal and regulatory environment that may impact current and/or future employee benefit offerings. * Researches and analyzes changes and improvements to programs to maintain compliance with federal regulations. * Assists with benefit projects and initiatives and serves on cross functional teams. * Coordinates with key team members on the development and implementation of systems and processes which support benefit projects and initiatives. * Implements the communication strategy around benefit plans, programs, and services to include open enrollment changes, pricing, plan details, and the various communication resources. * Researches and analyzes measures to ensure costs are minimized and efficiencies are realized and analyzes financial impacts to programs to minimize financial exposure. * Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: * Bachelors degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. * 4 years of experience in employee and retiree benefit plans, programs and services, to include health & welfare (self & fully insured programs), retirement benefits, experience in benefits supplier management, plan design, requirements development, program implementation, strategic communications, regulatory compliance, day-to-day administration and operations. * Experience leading and/or running projects/programs. * Working knowledge of data analysis tools and techniques. * Understanding of outsourced benefits administration and how to provide oversight of outsourced functions and programs. * Experience with documenting processes and identifying required controls; to include recommending and implementing solutions and responding effectively to sensitive inquires and complaints. * Working knowledge of defined benefit and defined contribution plans, deferred compensation and Health and Welfare plans. * Proficient knowledge of Microsoft Office tools to include Word, Excel, and PowerPoint. * Knowledge of federal laws, rules, and regulations to include: ERISA, COBRA, HIPAA, ACA, FMLA. Compensation range: The salary range for this position is: $77,120.00 - $147,390.00. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA 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, disability, or status as a protected veteran.

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are seeking a qualified Life Actuary to join our diverse team. The ideal candidate will possess strong risk management skills, with a particular focus on Interest Rate Risk Management and broader financial risk experience. This role requires an individual who has acquired their ASA designation or FSA designation and has a few years of meaningful experience. Key responsibilities will include experience in Asset-Liability Management (ALM), encompassing liquidity management, asset allocation, cashflow matching, and duration targeting. You will also be responsible for conducting asset adequacy testing to ensure the sufficiency of assets to meet future obligations. Experience in product pricing, especially for annuity products. Furthermore, an understanding of Risk-Based Capital (RBC) frameworks and methodologies is required. Proficiency with actuarial software platforms, with a strong preference for AXIS, is highly advantageous. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. What you'll do: • Performs complex work assignments using actuarial modeling software driven models for pricing, valuation, and/or risk management., • Reviews laws and regulations to ensure all processes are compliant; and provides recommendations for improvements and monitors industry communications regarding potential changes to existing laws and regulations., • Runs models, generates reports, and presents recommendations and detailed analysis of all model runs to Actuarial Leadership., • May make recommendations for model adjustments and improvements, when appropriate., • Shares knowledge with team members and serves as a resource to team on raised issues and navigates obstacles to deliver work product., • Leads or participates as a key resource on moderately complex projects through concept, planning, execution, and implementation phases with minimal guidance, involving cross functional actuarial areas., • Develops exhibits and reports that help explain proposals/findings and provides information in an understandable and usable format for partners., • Identifies and provides recommended solutions to business problems independently, often presenting recommendation to leadership., • Maintains accurate price level, price structure, data availability and other requirements to achieve profitability and competitive goals., • Identifies critical assumptions to monitor and suggest timely remedies to correct or prevent unfavorable trends., • Tests impact of assumptions by identifying sources of gain and loss, the appropriate premiums, interest margins, reserves, and cash values for profitability and viability of new and existing products., • Advises management on issues and serves as a primary resource for their individual team members on raised issues., • Ensures risks associated with business activities are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: • Bachelors degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree., • 4 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries; OR 8 years relevant actuarial experience and attainment of Associate within the Society of Actuaries., • Experience performing complex work assignments using actuarial modeling software driven models for pricing, valuation, and/or risk management., • Experience presenting complex actuarial analysis and recommendations to technical and non-technical audiences. What sets you apart: • Asset-Liability Management (ALM): Experience in ALM, including expertise in liquidity management, asset allocation, cashflow matching, and duration targeting., • Asset Adequacy Testing: Experience conducting asset adequacy testing to ensure the sufficiency of assets to meet future obligations., • Product Pricing: Experience in pricing financial products, with a particular emphasis on annuity products., • Risk-Based Capital (RBC): Experience with risk-based capital frameworks and methodologies., • Actuarial Software Proficiency: Familiarity with actuarial software platforms. Experience with AXIS is considered a significant advantage., • Actuarial Designations: Attainment of Society of Actuaries Associateship (ASA) or Fellowship (FSA). Compensation range: The salary range for this position is: $127,310 - $243,340. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA 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, disability, or status as a protected veteran.

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity USAA is seeking a talented Director, Retirement Income to lead multiple teams of Health, Life or Retirement Income Specialists, Sales/Solutions Consultants, and/or Business Process Owners who are responsible for providing appropriate solutions to our members to facilitate their financial security. Responsible for driving and delivering on product, member, and financial goals for Life Co. Leads and develops managers to improve performance and reduce variability amongst sales staff. Analyzes existing workflow and processes by organizing and integrating resources and systems. Implements changes to promote efficient and effective operations. Assists in the developing of programs to maximize effectiveness of member acquisition and relationship efforts We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position will be based in Plano, TX.; San Antonio, TX, Phoenix, AZ.; Colorado Springs, CO.; or Tampa, FL. (Crosstown) campus. Relocation assistance is not available for this position. What you'll do: * Leads and develops teams of Health, Life or Retirement managers, Sales/Solutions Consultants and/or Business Process Owners to build leadership skills, improve coaching effectiveness, and/or plan, direct and coordinate activities for complex processes. Responsible for development and implementation of operational plans in Health, Life or Retirement Income areas. * Contributes to the achievement of Life Co. member, product, and financial goals through teams performance. Effectively coaches managers to improve sales productivity and exceed departmental goals. * Conducts data analysis to influence strategy to achieve business outcomes. * Identifies, develops, and executes detailed continuous improvement plans to achieve measurable process, productivity, and acquisition improvements with Health, Life or Retirement Income. * Fulfills the responsibilities of a securities principal as appropriate: In conjunction and coordination with Securities Counsel and Securities Compliance, provides research and documentation support for use in responding to regulatory authority inquiries and audits. * Responsible for the implementation and sustainment of seasonal surge strategies through internal and third-party relationships to serve more members. * Responsible for achieving call center KPIs that align to best serving USAA members, running an efficient operating model, and high employee and member satisfaction. * Coordinates efforts with the Situation Management Team and Incident Management Team to reduce downtime with potential risks that could harm employees and members. * Partners with Legal, Risk and Compliance on interpretation of CMS (Center for Medicare and Medicaid Services) rules to provide guidance and clarification to executive and frontline leadership. * Supports senior management to ensure plans, operational environment, regulatory obligations, schedules, communication, and training are in place for successful implementation of projects affecting the operations of Life Co. and potential impacts to front line employees. * Builds and oversees a team of employees for assigned functional area through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities. * Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: * Bachelors degree OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. (Total of 12 years without bachelors degree) * May be required to have the ability to obtain Life/Health license and any required Carrier appointments within 90 days of job entry. * RETIREMENT INCOME ONLY: Required maintenance of FINRA Series 7, 66 (or 63 and 65), 24, and 51 (or 53), and/or attainment within 90 days of job entry. * 8 or more years of related experience in financial services operations to include process improvement and business analysis. * 4 or more years direct team lead or management experience providing coaching, development and/or leadership in a team-oriented environment. * Demonstrated knowledge of financial products and services relevant to life or health insurance or retirement income What sets you apart: * US military experience through military service or a military spouse/domestic partner * Current/Active FINRA Series 7, 66 (or 63 and 65), 24, and 51 (or 53) * Current Life and Health (Group 1) license * MBA or masters degree in a financial or business-related field * CERTIFIED FINANCIAL PLANNER (CFP) designation * 10 or more years of Retirement Planning and/or Annuity experience. * 5 or more years of working experience directly leading a team of investment advisors in a Direct Distribution Channel. * 3 or more years of direct leadership experience over other managers (leader of leaders) * RICP (Retirement Income Certified Professional) Designation * Experience managing a team of investment advisors in a call center environment. Compensation range: The salary range for this position is: $114,080 - $218,030 USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA 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, disability, or status as a protected veteran.

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity USAA is seeking two talented Solutions Management Consultants to join the Life Company Direct Distribution Team. As a Solutions Management Consultant, you will serve as the primary sales coach and on the job training coordinator for the Life Co. MSR distribution channels. Works with Product Owners, Process Owners, Experience Owners, and Compliance stakeholders to evaluate products, advice, and solutions to develop and deliver compliant sales strategies through training and sustainment activities designed to increase specialist effectiveness to meet member needs and business goals. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, or Tampa, FL. Relocation assistance is not available for this position. What you'll do: * Applies advanced knowledge of retirement income solutions, life and health insurance products, long term care, investment products and related topics. * Identifies opportunities to enhance product and service offerings to members and increase specialist product knowledge. * Identifies and coordinates the life-cycle training needs of retirement income solutions, life and health insurance products, investment products and related topics as needed. * Evaluates, develops and/or implements educational and training deliverables, such as seminars, white papers, PowerPoints, and coaching sessions, about available solutions to specialists. * Analyzes business unit sales by product to monitor performance and develops and recommends strategies and best practices to meet goals. * Conducts book of business or member analysis to assist specialists in identifying member needs and pipeline management * Collaborates with specialists to evaluate and/or present solutions and related advice. * Follows defined training routines, effectively reports activity, and manages follow up and sustainment. * Develops and maintains written procedures and ensures they are current and compliant with applicable laws, rules, and regulations. * Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: * Bachelor's degree OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. (Total of 10 years of experience without bachelors degree) * 6 years of experience with wholesaling, sales training, and coaching, or related financial servicesexperience. * Experience working with qualified and nonqualified retirement plans, all annuity types (including fixed, variable, and immediate) and individual retirement accounts. * Advanced knowledge of life insurance products to include term, permanent, and health solutions. * Knowledge of relevant industry technology applications, such as Salesforce, Conversant, CRM, MetricStream, NICE and other industry related applications. * Demonstrated experience in developing communications and delivering key information effectively to stakeholders and all levels of management to influence decisions centered around sales and business optimization. * Knowledgeable in the applications of Agile processes and procedures. * Knowledgeable in the application of risk management framework and regulatory requirements for Life Co. What sets you apart: * US military experience through military service or a military spouse/domestic partner * Current / Active FINRA Series 7 * Current / Active Life/Health license * CFP (Certified Financial Planner), CLU (Chartered Life Underwriter), or RICP (Retirement Income Certified Professional) designations * 10 or more years of experience with wholesaling, sales training, and coaching on financial service products. * Previous leadership experience with strong feedback delivery skills * Proven track record of coaching others and driving successful behaviors. * Working experience with Life, Health and Annuity products and ability to articulate complex concepts. * Experience building relationships and working in a matrixed environment. * Strong facilitation skills and experience building presentations. * Experience utilizing financial planning tools (i.e. Life or Retirement income calculations). Compensation range: The salary range for this position is: $103,450 - $197,730 USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA 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, disability, or status as a protected veteran.

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity Our Director, Channel Strategy and Performance is responsible for leading the strategy, execution and optimization of our owned marketing channelsincluding email, direct mail, and on-site placements. This role will be responsible for driving performance across these critical touchpoints, leveraging advanced Customer Data Platform (CDP) capabilities and omni-channel orchestration to deliver personalized, relevant, and measurable member experiences. The Director will also be responsible for monitoring channel performance, identifying areas for improvement, and implementing data-driven strategies to achieve and exceed targets. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position. What you'll do: • Accountable for leading end-to-end strategy and performance of Bank's owned marketing channels (email, direct mail, on-site), driving rigorous test-and-learn programs, applying data-driven insights to continuously improve channel performance., • Designs and implements a trigger-based marketing execution strategy, ensuring timely, event-driven, and highly personalized member interactions., • Spearhead the strategic use of Customer Data Platform (CDP) and Salesforce capabilities to design and activate audience targeting, segmentation, and personalized experiences, ensuring data-driven decision-making and measurable impact., • Accountable for the successful execution of audience targeting initiatives, guiding cross-functional teams through change management processes to embed new capabilities., • Partners cross-functionally with analytics, product, and technology teams to maximize the impact of personalization and targeting strategies., • Provides oversight for the design and governance of audience creation within technology platforms, ensuring alignment with enterprise engagement objectives., • Serves as the senior advisor on audience strategy, setting direction and standards for team execution while fostering innovation and continuous improvement., • Establishes and enforce best practices for audience management and activation, collaborating with internal stakeholders to ensure consistency, scalability, and compliance., • Establishes and enforces disciplined processes to deliver operational excellence and measurable business outcomes., • Monitors performance metrics and outcomes to assess effectiveness, identify gaps, and drive continuous optimization across audience engagement efforts., • Builds a strong risk culture and accountable for controlling operational risk across the function, including compliance with applicable laws, regulations, and regulatory guidance to successfully achieve the Banks objectives., • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: • Bachelors degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree., • 8 years of experience leading owned channel marketing at scale, including end-to-end strategy, execution, and optimization across email, SMS, push notifications, and web personalization with a proven ability to drive measurable performance outcomes, such as increased engagement, conversion, and retention, through data-driven marketing initiatives., • 3 years of people leadership experience in building, managing and/or developing high-performing teams required., • Direct experience implementing and leveraging Customer Data Platforms (CDPs) such as Salesforce and/or Adobe Experience Platform to drive personalized marketing efforts., • Deep expertise in trigger-based and lifecycle marketing, with a strong track record of designing and executing automated, customer-centric campaigns., • Demonstrated ability to develop and scale complex marketing programs that drive engagement, retention, and conversion across the customer journey., • Strong technology acumen, with comfort operating at the intersection of marketing strategy and martech platforms., • Leadership experience managing cross-functional teams, with the ability to inspire collaboration and execution excellence. What sets you apart: • Experience with Salesforce and Adobe platforms., • Process optimization and acceleration experience., • Strong delivery of executive content to communicate impact and results., • Issue resolution and management savviness in complex environments. Compensation range: The salary range for this position is: $127,310 - $243,340. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA 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, disability, or status as a protected veteran.

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity There are 2 positions available. As a dedicated, Business Process Owner Senior you will plan, direct, and coordinate activities for complex processes, including problem definition, evaluation of requirements, design, testing, and implementation of business processes. You will be responsible to understand the process operating objectives, business rules, performance requirements, risks, and controls and interactions between dependent processes to minimize failures, eliminate redundancies, and control process performance necessary to achieve efficient, effective design and execution of the process. You will support alignment of process to overall experience strategy and vision. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: Chesapeake, VA, Colorado Springs, CO, Phoenix, AZ, San Antonio, TX, or Tampa, FL. Relocation assistance is not available for this position. These positions will support Claims Litigations. What you'll do: * Develop and implement strategic customer specific business process program plans that align with enterprise strategy and influence appropriate roadmap(s). * Apply expert knowledge of the business and lead the alignment and development of business deliverable processes and capabilities to materially change and improve business performance. * Serve as functional expert bringing diverse perspective to leverage multiple ways of thinking while developing end-user focused process solution. * Manage the performance of processes by developing control limits, monitoring key performance indicators, and informing stakeholders of any deficiencies, improvements, operational risks issues, etc. and drives collaborative efforts to ensure process delivers against requirements. * Identify, own, execute, enhance, and align controls to mitigate operational and compliance risks as it pertains to owned processes as it pertains to owned processes. * Develop communication plans for customers and internal stakeholders. * Ensure alignment between internal stakeholders and customers across all business process projects and services using proactive communication and engagement strategies. * Utilize reporting, data, and analytics to measure process and project performance, deliver process operational efficiencies, and inform key stakeholders. * Stay current with emerging technologies and evaluates business processes to lead continuous process improvement efforts. * Lead solution development including business case / benefits substantiation and drive business requirements for process improvement initiatives. * Provide mentorship and guidance support for team and applicable business partners. * Actively provide relevant business performance intel to progress the planning, research, analysis, development, and implementation of new and modifications to existing applications and processes to provide new or improved capabilities, products, and/or services. * Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: * Bachelor's degree: OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. * 6 years business process execution/knowledge/experience, consulting, and/or process engineering/optimization. * Experience in successfully applying quality management, process improvement, and problem-solving tools and methodologies. * Experience in implementing and sustaining change/improvements (change champion). * Hands on experience with Process Mapping and Modeling and creating and validating process documentation. * Experience in the application of process management standards and policies, and knowledge of applicable regulations and risk management practices. * Demonstrated experience with Lean, Business Process Management, or similar methodology. * Demonstrated experience with utilizing various systems to collect and analyze data. What sets you apart: * P&C Litigation Claims Operations and/or Optimization experience. * 2+ years Manager, Claims Operations experience. * Deep operational knowledge of end-to-end Injury and/or Litigation Claims processes. * Proven ability to use analytical tools and data to inform business decisions. * Proven thought leader. * US military experience through military service or a military spouse/domestic partner. Compensation range: The salary range for this position is: $93,770 - $179,240. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA 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, disability, or status as a protected veteran.

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are seeking a skilled individual to execute comprehensive model risk validation oversight for the lifecycle management of models. This includes conducting thorough model validation activities and ensuring adherence to written risk and compliance policies and procedures. The role requires strict independence from model stewards (e.g., model owners, developers, implementers, users) throughout all stages of the model's lifecycle, from development to ongoing maintenance. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. What you'll do: * Implement independent model validation control activities for high risk in-house and vendor models. * Leverage expert technical approaches to develop and implement validation testing plans. * Replicate model development and may develop challenger models through predictive modeling, machine learning, deep learning, time-series modeling/forecasting, stress testing, heuristic models, actuarial models, simulation, optimization, and/or other highly specialized techniques. * Conduct and develop plans for model testing and data quality assessments for models using various types of datasets including those employing large datasets and unstructured datasets. * Review at an extensive experience level the end-to-end life-cycle management of model development, implementation, ongoing monitoring, and use in areas of Banking and Insurance (Property & Casualty and Life) along with their corresponding business support functions and operational processes. * Assess model inherent risk ratings, model declassifications applications, the materiality of model changes, and conducts model change validations for all types of models. Oversee and advises the model validation work of peers. * Produce and deliver validation reports and related validation work to model validation management, model partners, senior leadership, and others. * Implement the model validation process aligned with the risk and compliance policies and procedures. Evaluate model risk control strengths around model development, implementation, and use. Professionally develop on emerging modeling techniques and approaches. What you have: * Bachelor's degree in a quantitative field, such as Economics, Mathematics, Statistics, Actuarial Science, Data Science, Engineering, Computer Science, or a related field with Core Quantitative Curriculum. (4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree). * Minimum 6 years' related work experience in model validation, model development, statistical analysis, and/or advanced quantitative research OR Advanced degree (e.g., Master's, PhD) in a quantitative field, such as Economics, Mathematics, Statistics, Actuarial Science, Data Science, Engineering, Computer Science, or Related Field with Core Quantitative Curriculum and 4 years' related work experience in model validation, model development, statistical analysis, and/or advanced quantitative research. * Experience driving communication verbally and in writing quantitative/technical concepts and conclusions to non-technical audiences, senior leadership, auditors, and/or regulators. * Strong programming skills in R, Python, SAS, Java, C, SQL, and/or other comparable programming languages for the iterative methodological tenants of model and algorithm development including setting model specifications, assumption testing, data quality assessments, variable selection, back-testing, benchmarking, and other robust model testing. * Extensive Experience with at least three of the following statistical, econometric, data science, and predictive modeling approaches: Unsupervised Learning; K-Means; Linear Regression; Time-Series/Forecasting; Stress Testing; Logistic Regression; Gaussian Process; Simulation Models; Boosting/Bagging Trees; Neural Networks; Deep Learning Concepts; Bayesian Estimators. * Strong business context knowledge in operational and support functions of Banking and/or Insurance as well as associated modeling and analytics knowledge. What sets you apart: * Experience as a Pricing / Reserving actuary (ACAS/FCAS) and/or Structural Engineer. * Experience in performing catastrophe risk analyses for multiple P&C personal lines insurance products by running catastrophe models to quantify catastrophe risk and validating catastrophe models in accordance with Federal Reserve Guidance on Model Risk Management (SR 11-7). * Experience in performing Disparate Impact/Bias testing at a large consumer facing organization. Compensation range: The salary range for this position is: $127,310.00 - $243,340.00. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com. Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA 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, disability, or status as a protected veteran.

You can start the year off in sunny California, spend the Spring in the Colorado Rockies, enjoy the Summer in the Mid-West, experience the change of seasons in Boston and New York, and hit the beaches of Florida in the winter. This travel position offers a 13-week contract in Gilbert, Arizona, inclu

You can start the year off in sunny California, spend the Spring in the Colorado Rockies, enjoy the Summer in the Mid-West, experience the change of seasons in Boston and New York, and hit the beaches of Florida in the winter. Stability Healthcare was founded in 2009, with the mission of becoming th

Job DescriptionDescription: We are searching for a highly motivated Shift Leads who are looking to partner with a top-notch team and make a major impact on a company experiencing explosive growth in Colorado, Arizona, and Texas. Our motto, "Do good by eating well" plays out in the company's mission of all-natural chicken, unexpected hospitality and 1% back into communities. Our Shift Leads assist the management team with running the daily operations of the restaurant. They will be the face of Birdcall and be responsible for maintaining the standards of the company and exude the core values Birdcall: Privileged to Grow, Purposeful Technology, From Coop to Community and Making Every Moment Matter. Here is what you will receive and what we look for in future team members: Receive • Free meals when working, • Dining discount for you and a friend at any of our concepts, • Health, Dental, and Vision insurance after an introductory period, • 401k, • Employee Referral bonus after 60 days, • Mental health resources, • Opportunities for promotion and career development in other areas of the company, • Competitive compensation and fun work environment, • Profound joy in your role, • Welcome and support guests with an upbeat attitude, • Can influence and inspire others to be the best they can be, • Thrive in a purpose driven environment, • Find pleasure in hospitality, • Passionate about guests and their experience, • Long term growth mindedRequirements:

Job DescriptionDescription: THE COMPANY Cogir Senior Living, based in Scottsdale, Arizona, proudly oversees a network of senior living communities spanning 11 states nationwide. As a trusted leader in senior housing, we are dedicated to growth while maintaining our commitment to exceptional care for our residents and a supportive, growth-focused environment for our team members. At Cogir, our culture is rooted in the core values of human focus, creativity, and excellence, which inspire us to continuously improve and achieve excellence in all we do. Join us in our mission to enrich the lives of our residents while building a meaningful and fulfilling career! WHAT WE OFFER • Health, Dental, Vision, and Life Insurance, • Generous Bonus potential., • 401K with company match., • Paid Vacation, Holidays, and Sick Leave., • Employee Assistance Program, The Regional Sales Specialist is a traveling role providing coverage and support to an assigned Cogir Senior Living community within the portfolio or assigned region. Coverage will be needed in the absence of the main Community Relations Director, the community's sales and marketing leader, or for focus communities requiring additional census growth support. The responsibilities include acting as the community's sales & marketing leader to maintain and exceed established occupancy goals and revenue generation through strategic and long-range planning and community outreach, identifying appropriate professional and non-paid local referral sources and partners, and establishing referral relationships to generate qualified leads. In this role, the Sales Specialist is responsible for ensuring customer satisfaction by addressing daily inquiries from tenants, families, and prospective residents and conducting the community's scheduled walk-in tours. You will collaborate with the regional sales team to develop and implement marketing strategies to achieve the community's occupancy goals. KEY RESPONSIBILITIES • Develop and implement all sales and marketing strategies and tactics for the community, consistent with the company's objectives., • Design, implement, and facilitate an immediate marketing plan for the community with input and support from the Executive Director, corporate marketing, and operations teams., • Develop and manage the lead base, responding to telephone inquiries remotely and in real time., • Maintain and/or improve community occupancy level and revenue production according to business and marketing plans., • Conduct walk-in and scheduled tours with prospective residents or interested parties., • Provide sales activity reports with documented lead status, closing needs, and next steps., • Follow up with all potential residents, referral sources, or interested parties., • Maintain the community's Customer Relationship Management software (Yardi) accurately and timely., • Maintain high resident satisfaction by establishing relationships between residents, department heads, and staff., • Participate in and represent the community in outreach events, networking meetings, tradeshows, and other community functions., • Monitor and maintain promotional item inventory; assess print advertising needs. Education: • Must be located in Arizona, Southern California, or Colorado, • A positive team player mentality and passion for serving seniors!, • At least 3-5 years of experience in relational sales, preferably in Senior Living/Independent Living or Hospitality sales preferred., • Proven track record in achieving and exceeding sales goals., • Ability to manage time effectively, high initiative, and good judgment., • Professional ethics, positive attitude, exceptional verbal and written communication, and customer service skills., • Proficient in Microsoft Excel, Word, Outlook, and CRM.

Job DescriptionSalary: $75,000 - $100,000 Are you interested in joining an award-winning, multidisciplinary consulting firm where you can contribute to our diverse, collaborative, and innovative team? AtLogan Simpson, youll have the opportunity to expand your skillset, while bringing new tools and ideas to the table. The Opportunity: We have an immediate opening for a regular full-time Senior Marketing Proposal Specialist. This position will work a hybrid in-office schedule, and can be located in any of our offices in downtown Tempe, Flagstaff, downtown Tucson, Arizona; Salt Lake City, Utah; or downtown Fort Collins, Colorado. Who We Are: Founded in 1990, Logan Simpson is made up of a team of 150+ talented professionals across six offices in the western United States. We are experts in environmental planning, cultural resource management, community planning, and landscape architecture design services. Our mission remains simple: working together to guide responsible change. From the beginning, our founders were focused on protecting natural resources and advancing the wellbeing of our communities. We take pride in adding new staff members to our team who share our values of integrity, creativity, excellence, empowerment, stewardship, and teamwork. Your Key Responsibilities: • Manage the entire proposal production process, including, but not limited to: reading/analyzing the RFP (request for proposal); conducting strategy and teaming meetings; outlining/coordinating proposal materials; providing proposal/technical editing; conducting compliance/quality review; and developing eye-catching layouts., • Supports the firms federal activities including research activities, registrations, contracts, proposals, and annual reporting., • Assist with other marketing responsibilities as needed, including business development tasks. What Youll Bring: • 7+ years of related experience in marketing or proposal coordination, with at least 2 years of experience within the Architecture and Engineering industry., • Bachelors degree in Marketing, Business, Communications, Graphic Design, or related field; or equivalent experience in lieu of degree., • Proactive, detail-oriented, and organized., • Strong familiarity with Microsoft Office products., • Experience with Adobe Creative Cloud products including InDesign, Photoshop, or Illustrator., • Great interpersonal communication skills with an enthusiastic and engaging demeanor, and comfortable initiating phone calls and building relationships with clients and external partners., • Ability to work in a fast-paced environment, multi-task, and adjust to daily changes in priorities to meet deadlines., • Exceptional persuasive verbal and written communication skills., • Ability to work in the office 3 days per week on average. What We Offer: • Compensation This is a full-time position paid on a salaried basis between $75,000 - $100,000 annually, depending on experience and education., • Benefits A comprehensive benefits package which includes medical, dental and vision plans, paid Life/AD&D, Short-Term and Long-Term Disability coverage, a 401(k) with a firm match, and a robust Employee Assistance Program with free counseling and mental health services., • Time Off Paid Time Off starting at 18 days per year available as accrued, plus 9 paid holidays., • Professional Development Support for professional conferences and trainings, internal leadership development and innovation program, tuition reimbursement, bonus programs for peer-reviewed publications and academic achievements, and work on a variety of interesting projects., • Perks Wellness program with $125 annual Wellness Bucks allowance, paid Costco memberships, Babies-at-Work program, paid parking, and paid public transit costs., • Flexible Work Schedules Hybrid work schedule allowing for 2 days of remote work per week depending on the position, plus flexible schedules such as 4 x 10, 9 x 80, or 4 day schedules. If interested, please apply and include a resume and a cover letter. To learn more about our firm culture and the work we do, check us out on social media: LinkedIn Instagram Facebook Our Website Inclusion, belonging, and respect are at the core of our values. Here at Logan Simpson, we believe we have a responsibility as a firm to promote and guide responsible change. To do that, we embrace the unique perspectives and experiences of each of our talented staff members. We strive to create an inclusive workplace to connect us closer to our clients and the communities we serve. Logan Simpson is proud to be an equal opportunity employer. No staff member or applicant is ever denied equal opportunity or discriminated against because of race (including hair style), color, religion (includes religious dress and grooming practices), sex, pregnancy, gender identity, gender expression, national origin, age, disability (physical or mental), genetic information, parental status, sexual orientation, marital status, political affiliation or belief, military or veteran status, or any other prohibited factor. We provide equal pay for staff members who perform equal work. Staff members are recruited, hired, and promoted based on the individual who is the most qualified for that particular position.

Job Description:\n\nDescription: Location: Revel Communities (AZ, CA, CO, ID, NV, WA) Position Overview: Revel Communities is seeking a dynamic Independent Living Sales Specialist to increase occupancy rates across our independent living communities. This role is pivotal in driving sales initiatives, building lasting relationships, and achieving community-specific sales objectives. Reporting to the Senior Vice President of Sales & Marketing, the Sales Specialist will collaborate closely with Regional Vice Presidents of Operations and Community Leadership teams. Assignments will typically range from 1 to 4 weeks at various community locations.? Key Responsibilities:Sales and Occupancy Growth:Achieve monthly sales targets by effectively managing the sales process from inquiry to move-in.Conduct engaging tours, respond promptly to inquiries, and maintain consistent follow-up to convert leads into residents.Database and Reporting Management:Review CRM data regularly to identify trends, opportunities, and areas for improvement.Hold teams accountable for CRM usage and sales process compliance.Training & Engagement:Coaches Executive Directors and Sales teams on sales best practices and strategies to drive revenue and growth.Supports the hiring, onboarding, and ongoing training of Sales team members.Coordinate and participate in community outreach events, special luncheons, and promotional activities to attract potential residents.Collaboration and Communication:Work cross-functionally with operations to execute occupancy strategy and ensure a seamless move-in experience.Attend daily stand-up meetings to align on appointments, events, and advertising efforts.Market Analysis:Evaluate competitive offerings in the market to inform pricing strategies and value propositions.Provide weekly and monthly forecasts and data analyses as requested by leadership.Requirements: This is a hybrid role with the expectation you will be working from one of our communities when you are not traveling. Must live in one of our markets - Seattle, Spokane, Sacramento, Las Vegas, Reno, Scottsdale, Palm Desert, Colorado Springs/Denver, Eagle/BoiseMinimum of three years' experience in a senior living sales role with a proven track record of success; independent living sales experience preferred.Proficiency in Microsoft Office Suite and CRM software, particularly Welcome Home.Strong organizational skills with the ability to manage multiple assignments and communities effectively.Excellent communication and interpersonal skills, with a focus on building relationships with prospects, families, and community teams.Valid driver's license and the ability to travel up to 80% of the time by air or car, including evenings and weekends as needed. Why Join Revel Communities? At Revel Communities, we are dedicated to creating vibrant, engaging environments for our residents. As an Independent Living Sales Specialist, you'll play a crucial role in shaping the experiences of our residents by bringing in individuals who will thrive in our communities. We offer a collaborative work environment, opportunities for professional growth, and the chance to meaningfully impact the lives of seniors. We offer a competitive total rewards package, to full-time team members, including:Generous compensation packagesGreat medical, dental, vision and 401kPaid Vacation, Sick time and HolidaysComplimentary meals & guest suite privileges We celebrate diversity and welcome all qualified applicants regardless of race, religion, sex, age, national origin, sexual orientation, disability, veteran status, or genetic information. We are committed to maintaining a welcoming and equitable environment. To request reasonable accommodation to participate in the job application or interview process, contact Deb Weaver, Talent Acquisition Manager, 406.321.0018, . NOTICE TO CALIFORNIA CURRENT AND PROSPECTIVE EMPLOYEES AND CONTRACTORS Privacy Policyfor California Job Applicants Last Updated: January 1, 2025 This Privacy Policy (“Privacy Policy”) describes how The Wolff Company and its subsidiaries and affiliates (“Company”, “we”, “us,” and “our”) may collect, use, retain, and disclose personal information about California residents who apply or are recruited for a job with us or one of our affiliates (“candidates”), and their rights with respect to their personal information. This Privacy Policy does not govern the general collection and privacy practices of any websites or online services where our job openings may be posted, including any career pages available through our websites or third-party job search, recruiting, or career networking websites or online services. We encourage you to read the privacy policies of any websites and online services you engage with to understand how your personal information collected through such website or online service may be processed. For purposes of this Privacy Policy, “personal information” has the meaning given in the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (collectively, the “CCPA”) but excludes information exempted from the CCPA’s scope. This Privacy Policy does not create or form part of any employment contract or otherwise. If you have questions about this Privacy Policy or to exercise your privacy rights under the CCPA, please contact Human Resources at either of the following: Email: Phone: (833) 870-1700 Address: 6710 E. Camelback Road #100, Scottsdale, AZ 85251 1. Personal Information We Collect About Candidates Categories of personal information The categories of personal information we may collect, or have collected in the 12 months preceding the “Last Updated” date of this Privacy Policy, and process before, during and after the application or recruitment process include: • Identifiers, such as:Contact information, such as your work and home address, telephone number, email address and social media handles.Identification information, such as your social security number, government-issued identification information (e.g., driver’s license, passport), photographs, or other similar identifiers. • Protected classifications, such as:Immigration status and other information that would allow us to verify your employment eligibility.Information needed to evaluate accommodation requests regarding potential disabilities or other health conditions. • Professional or employment related information, such as:Biographical information, such as name, gender, date of birth, professional history, references, language proficiencies, professional qualifications, references, and information you make publicly available through job search or career networking sites.Job applicant materials, such as your job application, resume or CV, cover letter, writing samples, references, work history, education transcripts, whether you are subject to prior employer obligations, and information that referrers provide about you, and information necessary to complete background checks, drug and/or alcohol tests, and other screens permitted by law.Job preferences, such as desired position and compensation, location preferences, and willingness to relocate.Information from the application process, such as any phone-screens, interviews, evaluations and outcomes of recruiting exercises.Other information you provide to us. • Education information, such as education records directly related to you and maintained by an educational institution, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. • Audio, electronic, visual, or similar information, such as information about your access to offices and facilities (e.g., security camera footage) or recordings of web-based interviews. Providing personal information is voluntary. However, if you do not provide sufficient information, we may be unable to consider your application or, if you are hired, your subsequent promotion, transfer, or relocation. In certain cases we may ask you for additional information for purposes of complying with applicable laws. We may also inquire about criminal records. We will do so only where permitted by applicable law. To the extent we collect sensitive personal information (as defined under the CCPA), we only use or disclose it for purposes permitted under the CCPA (e.g., to perform HR activities such as payroll and benefits, monitor for security incidents, and for compliance and safety purposes). We do not collect or use sensitive personal information for the purpose of inferring characteristics about California candidates. Sources of personal information We collect personal information from you when you apply for a job and throughout the job application or recruitment process. We may also collect your personal information from various other sources and combine it with the personal information you provide to us. For example, we may collect your personal information from: • job board websites you may use to apply for a job with us; • prior employers, when they provide us with employment references; • professional references that you authorize us to contact; • pre-employment screening providers, such as providers of background checks (where permitted by law); • your public social media profiles or other publicly available sources; • employment agencies or recruiters; • your educational institutions; and • other Company personnel. 2. Purposes of the Collection and Use of Personal Information We may use the categories of personal information above for the following business purposes or as otherwise described at the point of collection: Recruitment management. Managing recruitment generally, such as:recruiting, interviewing and evaluating candidates;performing background checks and other pre-employment screening (where permitted by law);analyzing and improving our application and recruitment process, including improving diversity;accommodating disabilities or health conditions;communicating with you regarding your candidacy and opportunities with the Company; andother business operations. Compliance, safety, and fraud prevention. Complying with legal and other requirements, such as verifying identity and eligibility to work, and equal opportunities monitoring requirements; complying with lawful requests and legal process, such as responding to subpoenas or requests from government authorities; protecting our, your or others’ rights, safety and property; investigating and deterring against fraudulent, harmful, unauthorized, unethical or illegal activity, or conduct in violation of our policies or procedures; pursuing legal rights and remedies, including investigating, making and defending complaints or legal claims; administering and enforcing internal policies and procedures; and sharing information with government authorities, law enforcement, courts or private parties for the foregoing purposes.Research and Development. Creating anonymous, aggregated or de-identified data that we use and share to analyze our application and recruitment activities, business, and for other lawful business purposes.With Your Consent. We will disclose your personal information in accordance with your prior direction or, in some cases, we may specifically ask you for your consent to collect, use, or share your personal information, such as when required by law. 3. Disclosure of Personal Information We may disclose, and during the 12 months preceding the “Last Updated” date of this Privacy Policy may have disclosed, each of the categories of personal information described in Section 1 with other parties as necessary for the business purposes described above or as described at the time of collection, including the following persons or entities:Affiliates. Our corporate parent, subsidiaries, and other affiliates under the control of our corporate parent, for purposes consistent with this Privacy Policy or to operate shared infrastructure, systems and technology.Company service providers. Providers of services to the Company that help us manage the recruiting process and operate our business, such as job boards, recruiters, interviewing and testing, pre-employment screening, interview travel booking and expense reimbursement (where applicable), relocation (where applicable), and recruitment analytics.Government authorities, law enforcement and others. Government authorities, law enforcement, courts, and others as described in the compliance, safety, and fraud prevention section above.Business transfer participants. Parties to transactions and potential transactions whereby we sell, transfer or otherwise share some or all of our business or assets, including your personal information, such as a corporate divestiture, merger, consolidation, acquisition, reorganization or sale of assets, or in the event of bankruptcy or dissolution.Professional advisors. Accountants, auditors, lawyers, insurers, bankers, and other outside professional advisors who require your information in the course of providing their services.Customers and business partners. Customers, other companies and individuals with whom the Company does business or is exploring a business relationship. We do not and, during the 12 months preceding the “Last Updated” date of this Privacy Policy, have not “sold” or “shared” personal information about candidates. Further, we do not knowingly “sell” or “share” the personal information of California residents under 16 years of age. 4. Retention of Personal Information We will retain your personal information for as long as necessary to fulfill the purpose of collection, including for the purposes of satisfying any legal, accounting, or reporting requirements, to establish and defend legal claims, for fraud prevention purposes, or as long as required to meet our legal obligations. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements. 5. Your California Privacy Rights California employees may exercise the rights listed below by contacting us as described at the beginning of this Privacy Policy. However, these rights are not absolute, and in certain cases we may not be able to respond to your request, such as when a legal exemption applies or if we are not able to verify your identity.Know/Access. You can request the following information about how we have collected and used your personal information: o the categories of personal information that we have collected. o the categories of sources from which we collected personal information. o the business or commercial purpose for collecting, sel