Financial jobs in Houston, Texas - Page 16Create job alerts

Consolidated Asset Management Services ("CAMS") is seeking to hire a Senior Accounting Associate.This position requires a wide variety of duties including month end close and financial reporting.The successful candidate will have four to seven years of accounting experience.CAMS provides quality, co

The Senior Accountant applies generally accepted accounting principles (GAAP) to analyze financial information, reconcile financial statements, prepare general and standard journal entries, and assist in the preparation of standard and customized accounting and financial reports for management.Keep

Must have 2+ years of experience.This contract pays approximately $11,258/month gross.Guaranteed Pay: Never worry about canceled shifts.Premium Overtime: 2x hourly rate for overtime on travel assignments.Weekly Pay: Get paid weekly for financial flexibility.Health, dental, and vision coverage.Pay pa

Application Fulfillment Specialist - Bilingual Spanish Or Mandarin. In a call center setting, the Application Fulfillment Specialist - Bilingual Spanish or Mandarin - is responsible for both inbound and outbound communication with clients who are seeking insurance products through their advisor at a

The Community Choice Financial Family of Brands will never ask you for banking or other payment information at any point during the interview or hiring process, nor will we conduct an interview via text message. The Community Choice Financial Family of Brands is committed to providing an inclusive w

Be the warm and welcoming face of our hotel overnight! As a Night Auditor, you'll play a vital role in delivering exceptional guest experiences while ensuring accurate financial reportingperfect for detail-oriented professionals who thrive independently and take pride in doing things right. Position

Are you looking for overtime opportunities to meet your financial goals? Staffmark is hiring a new Pipe Yard/Production Helper in Houston, TX, for a leading distributor of carbon and stainless pipe, fittings, and flanges. The Pipe Yard/Production Helper will be responsible for assisting the forklift

Are you an experienced financial services professional who excels in a high-volume contact centerand loves helping members feel confident and supported? Mission Fed Credit Union is seeking a Senior Telephone Consultant to deliver exceptional, relationship-driven service from anywhere in the U. As a

Position Summary: In support of Texas Bay Credit Union's (TBCU) mission to help our members achieve their financial goals and our vision to stand out as a leading financial institution the Receptionist is responsible for creating a welcoming, professional environment for all visitors and performing

Renewa is a leading land and infrastructure investor in the renewable energy industry.We help accelerate the transition to renewable energy by purchasing land, energy leases and royalty income helping landowners achieve financial security and providing long-term capital solutions to project develop

Primary Job Function: In order to help Texas Bay Credit Union (TBCU) stand out as a leading financial institution the Call Center Representative is responsible for assisting members over the phone with financial transactions and delivering exceptional member service. One year to three years of simil

That's why every day we partner with financial professionals and institutions to make it possible for more people to take action in their financial lives, for today and tomorrow. Corebridge Financial, is committed to being an equal opportunity employer and we comply with all applicable federal, stat

That's why every day we partner with financial professionals and institutions to make it possible for more people to take action in their financial lives, for today and tomorrow. Analyze, identify, and resolve complex trading issues with clearing firm, representatives, financial advisors, and intern

BOK Financial Corporation Group is a stable and financially strong organization that provides excellent training and development to support building the long term careers of employees. The corporate banking team is responsible for acquiring, expanding, and maintaining relationships by providing tail

As a Financial Wellness Consultant, within PNC's Organizational Financial Wellness, you will be primarily based in Houston, TX. As a Financial Wellness Consultant, you will be responsible for working directly with clients to develop and drive a financial wellness program aligned with organizational

This opportunity is ideal for a doctor who is dedicated to quality dentistry, enjoys building strong relationships with patients, and is interested in long-term professional and financial growth within a supportive, dentist-led environment. Associate Dentist - Full-Time | Houston, TX. A growing dent

Coordinate annual budgeting and financial planning projects with reporting, analysis and guidance to site management to develop and achieve site financial objectives. Supervise and coordinate accounting close process and financial statement preparation, with analysis of business unit and functional

Previous customer service experience in industries such as hospitality, financial services, retail or restaurant is preferred. Customer Service Representatives (CSRs) are the primary point of contact with our customers. Customer Service Representative.

Customer Service Representative.This job is located at: 13378 Wood Forest.PLS Overview: Why PLS? Because You Deserve Better! PLS which stands for People Location Service is a leading retail provider of financial services.The "P" comes first, because our customers are at the center of everything

Qualifications: Valid Class-A CDL License Minimum 3 Months Recent Tractor-Trailer Experience DOT Medical Card Clean Driving Record. Ask Rich about "The Blueprint" to discover how drivers are building financial security beyond the road!.

Location: Memorial Hermann, Memorial City campus. At Memorial Hermann, we pursue a common goal of delivering high quality, efficient care while creating exceptional experiences for every member of our community. Ensures safe care to patients, staff and visitors; adheres to all Memorial Hermann polic

Virtual Branch Services Specialist.This position is PART-TIME position, scheduled at 30 hours per week, and fully ON-SITE.The Virtual Branch Services Specialist will provide service and support for members over the phone dealing with requests that are both routine in nature and some that require ext

Collects, analyzes, monitors, and reports on the organization's financial matters, managing and ensuring compliance with the organization's financial policies, professional standards and all laws.Responsible for general accounting, fixed assets, accounts payable and expense reimbursement and revenue

Customer Service Representatives (CSRs) are the primary point of contact with our customers. Previous customer service experience in industries such as hospitality, financial services, retail or restaurant is preferred. They also educate customers on our company products and services.

Bachelor's degree in Accounting, Business Administration or Finance. Assist the Financial Planning and Reporting Manager to provide timely and accurate financial analysis/reporting and complete quarterly/annual planning processes for the respective business unit. Prepare and present the monthly fina

Financial Internal Controls Analyst. Apply effective testing procedures of manual internal controls at a re-performance standard in connection with Management's assessment of the design and operating effectiveness of internal controls Participate in the design of financial and operational processes

We operate in every market and provide coast to coast coverage of financial and physical products in power, natural gas and NGLs, environmental products and financial crude oil products. The Financial Control team is involved in various aspects of financial processes, controls, reports and analyses.

Represent Financial Reporting on behalf of Financial Reporting Manager in various meetings when necessary. Assist in the preparation of all (i) quarterly and annual financial statements and annual audit reports with accompanying footnotes and (ii) U. Perform broad financial analysis of results of op

Join Our Dynamic Team in Houston, TX.We are seeking a seasoned professional to support our US and Canada operations.This is an excellent opportunity to thrive in a strategic role within a leading organization.Bachelor's degree in Accounting or Finance preferred.Minimum of 3 years of FP&A or Accounti

The Financial Business Analyst plays a key role in supporting business operations and financial planning activities to help drive informed decision-making within the organization. Participate in requirements gathering sessions with business and finance teams to identify operational and financial nee

As a Financial Relationship Banker, you play a key role in looking out for our consumer and business customers.

Relationship Banker position preferred. Relationship Bankers are responsible for identifying customer needs and matching them with the appropriate bank products and services to enhance a current or prospective customer's satisfaction, loyalty, and financial well-being. Utilizing proactive sales/serv

At Regions, the Relationship Banker II is responsible for meeting with customers and prospects both in person and on the phone to determine their financial needs, and meeting those needs by proactively offering appropriate products, services, and guidance to achieve their financial goals. Regions' m

Commercial Relationship Manager IV.At Regions, the Commercial Relationship Manager IV focuses on the delivery of tailored client solutions across a broad range of products and services within a dedicated geographic area and primarily targets clients generally with revenues between $20MM - $100MM.Ide

The Financial Analyst will also be responsible for ad hoc financial analyses and reports as needed to support leadership requests, program development, space planning, faculty recruitment, and new initiatives. The analyst will serve as a key liaison between faculty, department leadership, and centra

Service Operations Support Sales Associate.At Corebridge Financial, we believe action is everything.That's why every day we partner with financial professionals and institutions to make it possible for more people to take action in their financial lives, for today and tomorrow.We align to a set of V

Navigate enterprise data warehouses and financial reporting tools to source official, governed company financials. Business Analyst Financial Reporting & Analytics (Executive Support). This role combines strong financial and business understanding, exceptional communication skills, and hands-on own

Job Description Ready to jump-start your career and take charge of your earning potential? At Platinum Supplemental Insurance, we’re looking for motivated individuals ready to learn, grow, and thrive in a fast-paced environment. Whether you’re a recent grad or simply seeking a fresh challenge, this is your chance to earn like a highly educated professional—our proven products and systems are your roadmap to becoming a top earner in sales. If you’re prepared to unlock your full potential, let us show you how to build a lucrative and rewarding future. If you would like to know a bit more about this opportunity, or are considering applying, then please read the following job information. Why Join Platinum? Four-Day Workweek Travel Monday–Thursday to meet with farmers and small business owners, then enjoy your weekends off. Say goodbye to the daily grind and hello to a work-life balance that lets you recharge and spend time on what matters most. Uncapped Earning Potential This is a commission-based role , and many of our new reps earn $75,000 or more in their first year, with top performers exceeding $100,000. The sky truly is the limit when it comes to your income. Ongoing Support & Resources Focus on building relationships and closing deals while Platinum handles marketing, recruiting, back-office support, and customer service. You’ll also benefit from generous bonuses , annual renewal income , and luxury travel incentives for high achievers. Cutting-Edge AI Training Get an edge on the competition with our new AI-driven training platform. You’ll receive personalized feedback, interactive coaching, and real-time support to help you master Platinum’s proven 10-step sales system—faster and more confidently than ever before. Your Day-to-Day 1. Travel to Your Territory : Meet potential customers (farmers, small business owners, and families) face-to-face to build trust and educate them about Platinum’s supplemental insurance solutions. 2. Leverage Our 10-Step Sales Process : Follow a time-tested system that helps you identify prospects, deliver compelling presentations, and close more sales—backed by our powerful AI training. 3. Stay Motivated & Collaborate : Work within a supportive, team-based culture that celebrates wins, shares best practices, and drives everyone to reach new heights. What You’ll Enjoy High Earning Potential, No Caps : Earn based on your performance and ambition, without hitting a salary ceiling. Residual Income : Benefit from ongoing earnings long after closing a sale, creating a steady income stream. Advancement Opportunities : Rise quickly through the ranks and take on leadership roles as you prove your abilities. Quarterly Vacations : Earn the chance to recharge on exciting getaways with fellow top performers. Company Trips & Events : Enjoy travel and experiences on us—bring a significant other along, all expenses paid. Weekends Off : A Monday–Thursday work schedule means you get every weekend free for family time or relaxation. Who Thrives Here Go-Getters : You bring the hunger, discipline, and drive needed to excel in a commission-based environment. Clear Communicators : You can connect with people from various backgrounds, build trust, and explain concepts in a simple, relatable way. Continuous Learners : You’re excited to leverage AI-based training and mentorship to refine your skills and grow quickly. Flexible Travelers : You’re comfortable with overnight travel Monday–Thursday and are 18+ years old . Ready to Take the Leap? If the idea of earning what you’re worth, mastering an innovative sales system, and enjoying a 4-day workweek excites you, we’d love to hear from you! Apply today and discover how Platinum can help you unlock a thriving career in sales. About Platinum Platinum Supplemental Insurance specializes in helping individuals, families, and businesses secure their financial futures through supplemental coverage. By bridging the gaps left by traditional health plans, Platinum’s products offer peace of mind when unexpected health issues arise. xkddfxh With a people-first mentality, robust training programs, and a commitment to growth, Platinum provides the ideal environment for sales professionals to excel—no matter where they’re starting from. Join the Platinum team and see for yourself why so many have launched fulfilling, lucrative sales careers with us.

?? Brand New ?? Plaintiff Employment Attorney | Leading Wage & Hour Boutique | Cutting-Edge Class Actions & Supreme Court Impact | Up to $400k Total Comp | ?? Onsite in Houston I am currently working closely with one of the main partners at what I can truly say is the nation's leading firm dedicated exclusively to wage and hour law, where you'll tackle high-stakes cases against major corporations while making a real difference in workers' lives—and earning top compensation in the process! ?? Highlights: • The largest firm in the US focused solely on wage and hour claims, with 10+ award-winning attorneys who have recovered hundreds of millions in unpaid wages, helped over 100,000 workers nationwide, and filed more than 1,800 cases., • Trendsetters in the field: Other firms look to them for what's next in wage and hour litigation, with cutting-edge class actions that set precedents and drive industry change., • Supreme Court influence: Represented clients in landmark cases which went all the way to the US Supreme Court and redefined overtime rules for high-earning workers—plus involvement in amicus briefs shaping national labor law., • Mission-driven culture: A trusted advocate for employee rights, providing intellectually rewarding work against large employers, directly impacting clients' financial stability, dignity, and broader societal justice., • Notable wins: Secured multimillion-dollar settlements, including $1.2M in an overtime suit. ??? The Role: • Litigate complex wage and hour class actions and individual claims against corporations and large employers, • Advise on employee misclassification, overtime violations, and other niche employment law issues • Handle depositions, discovery, motions, and trial strategy with partner mentorship, • Contribute to appeals and precedent-setting cases, including potential Supreme Court-level work, • Manage caseload in a collaborative, tight-knit team environment focused on excellence and worker advocacy ?? About you: 3-7 years of experience in defense or plaintiff-side employment law, with a passion for advocating workers' rights in wage and hour matters. ?? Location: Onsite in Houston ?? Package: • Total compensation up to $400k, including competitive base salary DOE plus performance-based bonuses tied to case successes and recoveries. ?? If this sounds like you and your ideal next move, please book in some time below for us to speak: OR Email your resume to:

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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 looking for a dedicated SIU Investigator Senior - Major Case Unit. Within defined guidelines and framework, you will help protect USAA and our members from potential fraudulent claims by investigating complex fraud investigations with significant financial impact to USAA. This may involve working with Legal Counsel, government agencies and outside consultants in compliance with state laws and regulations for an assigned operational specialty team. This is a Remote eligible position. This is a field-based role that can be based in anywhere in the Continental United States. Relocation assistance is not available for this position. What you'll do: * Leads the execution of fraud prevention strategies and investigative operations. * Leads high exposure, high profile and critical work assignments, and special investigations involving sophisticated niche fraud referrals, (examples: organized provider rings, staged accidents, large losses of significant exposure and broad scale PIP/Casualty Schemes) across multiple entities or functions. * Applies advanced knowledge of P&C insurance industry products, services, and processes in investigating claims. This includes P&C insurance policy contracts and coverages and claims handling process and procedures. * Applies advanced knowledge of state laws and regulations pertaining to insurance fraud in investigating claims. * Processes large quantities of unstructured detailed information with high levels of accuracy by collecting evidence of potential fraud through field or remote interviews and thorough searches of investigative databases, internal resources, Internet resources, public records, and forensic tools. * Makes appropriate and prompt decisions to identify potential complex fraud within defined guidelines. * Prepares and presents detailed and comprehensive verbal and written investigative reports summarizing the results and outcome of the investigation. * Serves as subject matter authority for team members including providing expert mentorship and training for fraud investigations. * Develops and maintains external relationships with industry, law enforcement and other contacts involved in fraud investigation, detection, and prevention. * Develops proactive actions and conveys compelling arguments to influence disposition of arbitrated and litigated cases effectively and efficiently. * Handles CAT duty responsibilities as business requires. * Ensures risks associated with business activities are effectively identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: * High School Diploma or General Equivalency Diploma. * 4+ years of P&C SIU/Fraud investigation experience; OR 6+ years relevant fraud industry investigation experience. * Expert knowledge and understanding of fraud investigations as well as application of case law and state laws and regulations * Must be a skilled investigator with experience taking sophisticated statements from multiple parties to an event. * Ability to capture broad range of evidence and draw conclusions based on the objective details related to the applicability of fraud. * Demonstrated ability to coordinate and prioritize workload, performing multiple tasks and devising solutions to problems. * Experience using computers and various software packages to enter and extract data for analysis from relevant data sources and systems. * Knowledge of city, state and local regulations, legal concepts, understanding of contracts, case law, medical treatment, and medical terminology. What sets you apart: • At least 5 years of SIU/investigative experience in P&C, • 3+ years of experience conducting multi-claim major case investigations in multiple jurisdictions, • Experience handling Major Case Investigation from start to finish with advanced report writing to submit for affirmative litigation., • Comprehensive experience applying various causes of action for potential affirmative fraud litigation, • Experience working on projects within SIU, • Experience leading or mentoring other SIU investigators, • Industry recognized major designations (for example, CPCU, CFI, CFE), • Meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid driver's license., • 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, F-1, 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.

Travel Nurses, Inc. is seeking a travel nurse RN Interventional Radiology for a travel nursing job in Houston, Texas. Job Description & Requirements • Specialty: Interventional Radiology, • Discipline: RN, • Start Date: 04/13/2026, • Duration: 13 weeks, • 40 hours per week, • Shift: 8 hours About Travel Nurses, Inc. Travel Nurses, Inc. is a leading healthcare staffing agency that provides healthcare professionals with opportunities to work across the country. Founded by nurses in 1988, TNI has more than 30 years of experience in the industry. The agency initially focused on staffing operating room settings in the MidSouth. However, this quickly evolved to encompass all nursing specialties and allied health fields nationwide. At the heart of our mission is a profound respect for nurses, whom we consider the cornerstone of healthcare. This acknowledgment extends beyond the nursing profession alone. Travel Nurses, Inc. now proudly embraces a wide array of healthcare professionals, recognizing their crucial roles in our collective mission. Travel Nurses, Inc. is dedicated to providing comprehensive support and opportunities that will help facilitate complete career mobility in the healthcare field. Our commitment to transparency ensures that all professionals, not just nurses, can confidently accept any assignment without financial uncertainties. We prioritize our professionals' well-being with comprehensive benefits packages, including day-one healthcare coverage, competitive salaries, bonuses and incentives. This underscores our unwavering commitment to offering the best possible rewards and support for all the professionals we serve. Benefits • Weekly pay, • Continuing Education, • 401k retirement plan, • Wellness and fitness programs, • Mileage reimbursement, • Referral bonus, • Employee assistance programs, • Medical benefits, • Dental benefits, • Vision benefits, • Benefits start day 1, • License and certification reimbursement, • Life insurance, • Retention bonus

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What You’ll Receive Competitive base salary plus commissions and inherited book Comprehensive benefits package and W-2 employment structure Active referral pipeline from engaged Credit Union membership Office space and marketing resources provided by PFG and the Credit Union Access to PFG’s advi

Enterprise Medical Recruiting is assisting a sizable academic system in Houston TX to recruit a new Neurologist specializing in Headaches. This is an assistant professorship level. Opportunity details: Seeking board-certified or eligible Neurologists Headache Fellowship required Clinical outpatient care with educational programs and research Protected time for the development of the Headache Fellowship Program Financial Package and PERKS: 100% paid medical premiums for our full-time employees Generous time off (holidays, preventative leave days, both vacation and sick time - all of which equates to around 37-38 days per year) The longer you stay, the more vacation you?ll accrue! Longevity Pay (Monthly payments after two years of service) Build your future with an awesome retirement/pension plan! Free financial and legal counseling Free mental health counseling services Gym membership discounts and access to wellness programs About Houston, Texas: Prized for its diversity, Houston is considered one of the best places to live in Texas due toits quality of life and welcoming atmosphere. Best known for its space exploration, energy industry, and affordable cost of living, it is no wonder why Houston has become a top destination for relocation. DO-4

Vetted is seeking a Cath Lab Tech for a travel job in Jersey Village, Texas Must have 2+ years of experience. This contract pays approximately $10,041/month gross. Assignment details: • Contract length: 13 weeks, • Shift length: 10 hour shifts, • Hours per week: 40, • Guaranteed Pay: Never worry about canceled shifts, • Premium Overtime: 2x hourly rate for overtime on travel assignments, • Health, dental, and vision coverage, • 401(k) with employer match, • Housing stipends, • Travel assistance Pay package is based on confirmed shifts/hours and may include taxable and tax-free components.

Vetted is seeking a MRI Tech for a travel job in Pearland, Texas Must have 2+ years of experience. This contract pays approximately $10,403/month gross. Assignment details: • Contract length: 13 weeks, • Shift length: 8 hour shifts, • Hours per week: 40, • Guaranteed Pay: Never worry about canceled shifts, • Premium Overtime: 2x hourly rate for overtime on travel assignments, • Health, dental, and vision coverage, • 401(k) with employer match, • Housing stipends, • Travel assistance Pay package is based on confirmed shifts/hours and may include taxable and tax-free components.

The Director, Applications & Integrations will lead and actively manage enterprise business applications across a decentralized, multi-business unit environment. This is a hands-on technical leadership role. The Director is responsible for day-to-day application performance, support, enhancements, integrations, and team execution. While the role includes leadership of a 14-person team, it is not purely strategic. The right candidate will be technically credible, comfortable reviewing architecture, troubleshooting issues, guiding solution design, and stepping into complex problems when needed. The environment is currently steady state, with the expectation of building stronger governance, modernization, and long-term application strategy over time. This role partners closely with ERP stakeholders and enterprise systems teams while maintaining ownership of the broader application landscape. Key Responsibilities Application Ownership & Delivery • Own performance, stability, and continuous improvement of enterprise business applications across multiple business units., • Oversee application support, enhancements, and lifecycle management., • Ensure service levels, uptime, and user experience meet business expectations., • Serve as escalation point for complex technical issues., • Review and approve solution design, integrations, and configuration changes., • Maintain visibility into application architecture and technical debt. Technical Leadership • Provide hands-on guidance in ERP configuration, integration design, data flows, and reporting architecture., • Evaluate new tools, platforms, and technologies for business fit and scalability., • Ensure sound documentation, change management, and release processes., • Partner with infrastructure, security, and data teams to ensure alignment., • Support ERP initiatives and ensure downstream application alignment and integration readiness. Team Leadership & Accountability • Lead and develop a 14-person applications team., • Set clear priorities, assign work, and ensure timely execution., • Establish performance expectations and technical standards., • Mentor senior analysts and application specialists., • Create a culture of ownership, responsiveness, and accountability. Process & Governance • Improve intake, prioritization, and backlog management processes., • Implement stronger application governance across decentralized business units., • Standardize documentation and support procedures where practical., • Balance speed and control in a multi-entity environment. Business Partnership • Work directly with segment leaders and functional stakeholders to understand operational needs., • Translate business requirements into technical solutions., • Provide realistic timelines, cost considerations, and risk assessments., • Communicate clearly with executive leadership on application health and risks. Role Profile This role is: • Technical and hands-on, not purely strategic, • Responsible for execution, not just oversight, • Accountable for application stability and delivery, • Senior enough to influence architecture and enterprise direction Qualifications • 10+ years of experience in enterprise application management, • Experience leading multi-person application teams, preferably 10+ direct reports, • Strong understanding of ERP systems, financial systems, operational platforms, and integrations, • Experience working in decentralized or multi-entity environments, • Proven ability to balance steady-state support with forward-looking improvements, • Strong troubleshooting and architectural review capabilities, • Comfortable operating in a practical, execution-focused environment