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USA Associate, Credit Risk (047RI1) Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Associate, Credit Risk is responsible for risk concentration monitoring, analysis, and reporting. The incumbent will analyze and summarize current and prospective trend financial characteristics, regulate risk exposure and controls by identifying areas of concern, opportunities, and reports on potential and/or known issues while recommending process improvements. • Evaluates counter party credit equivalent exposure in non-standard trade positions using modeling techniques., • Identifies potential credit risks and assesses impact, probability of occurrence and timeframe., • Analyzes counter party portfolio and cross-border risk data, events and trends., • Investigates various credit risk inquiries, proposals, plans, and makes recommendations as directed by management or at own initiative., • Provides guidance and subject matter expertise regarding credit risks and mitigation planning to colleagues across the organization., • Maintains abreast emerging risk trends and risk management best practices; summarizes and communicates findings with team., • Implements quality controls and processes; determines resolution steps for quality issue, with escalation and reporting as required., • Ensures business activities and operations are in compliance with applicable policies, procedures and/or regulatory requirements., • Generates routine analysis and insights using raw and multiple data sources for reporting., • Performs ad-hoc projects requiring planning, research, analysis, and recommendations to management via formal presentations and/or written communications., • Regulates credit risk exposure, mitigation, and controls for new products and implements solutions to existing programs., • Collaborates cross-functionally with Information Technology to ensure the establishment of recovery testing methodologies; the planning and coordination of the testing of recovery support and business resumption procedures., • Develops and presents comprehensive risk exposures and recommendations on best practices for remediate and implement to management. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Required. Master's Degree Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Preferred. 5+ Years Risk Management, Credit Risk, or Internal Audit - Required. 5+ Years Financial Services industry experience. - Required., • Detailed knowledge of a commercial banks credit and counterparty customer populations, understanding their characteristics according to portfolio (aggregate) credit quality measures and individual customer financial characteristics., • Demonstrated credit analysis skills for understanding/tracking and market risk & modeling skills for evaluating related risk exposures., • Ability to work with large databases and datasets for extraction and conversion into useful final results with original numbers., • Ability to maintain accuracy while handling sensitive data files, working with that data and reconciling final results with original numbers., • Ability to adjust to new developments/changing circumstances., • Ability to build and foster internal relationships., • Ability to maintain accuracy while handling sensitive data files, working with that data and reconciling final results with original numbers., • Strong project management skills., • Ability to summarize, document, and communicate information in a clear and concise manner. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $76,875.00 USD Maximum: $130,000.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

Position Type: Regular At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together. Schwab’s branch team is at the heart of our firm’s commitment to helping clients own their financial futures. In this exciting role, you’ll give clients financial guidance while forming lasting relationships built on trust, respect, and reaching a common goal. You’ll also have the ability to take charge of your own professional journey with our supportive, nurturing culture and diverse set of career opportunities. As a Financial Consultant at Schwab, you will be procured with the practice of existing Schwab clients, providing them with wealth management and financial planning advice. Over time, you’ll grow your practice holistically through client asset consolidation, networking, and earning client referrals. If you currently have your securities license, enjoy working in a team setting, and share our passion for serving clients - this role is for you. Required Qualifications: • A valid and active FINRA Series 7 license required, • Obtaining or acquiring FINRA Series 66 (63/65) license and Life & Health Insurance as it will be required during your tenure on the job. Preferred Qualifications: • Ability to build strong relationships, engage and encourage trust, and deepen the client relationship by applying a focused client communication strategy, and exceeding client expectations., • Strong candidates will also learn to leverage our team of Schwab specialists, Schwab advice guidelines, your knowledge of the markets, and your ability to inspire action to help your client’s progress toward achieving their goals., • Openness to manage wealth on behalf of our clients including: Retirement Planning, Education Planning, Investment Management, Banking & Lending Management, Insurance & Risk Management, and Estate Planning, • Ability to adapt and implement change as the market and business conditions evolve, • Passion for community engagement to share and engage clients in discussion about market conditions, sound investing principles, and the ideal wealth and long-term investment strategies for their personal situation Pursuant to SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the NMLS registry system and remain in good standing. You will be required to register and to submit to the required SAFE Act background check and registration process At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact. We offer a competitive ___ that takes care of the whole you – both today and in the future: • 401(k) with company match and Employee stock purchase plan, • Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions, • Paid parental leave and family building benefits, • Tuition reimbursement, • Health, dental, and vision insurance

Structured/Project Finance - Underwriting & Portfolio Management Associate Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Associate, Underwriting & Portfolio Management will be responsible for managing the Underwriting & Portfolio Management of a defined portfolio of Structured Finance transactions. The Portfolio is comprised of Project Finance and Fund Finance loans. This position will work closely with the 1LoD product teams to present and defend business opportunities to the 2nd Line of Defense. The candidate will manage the business relationship with risk and ensure all required portfolio management tasks are completed. Responsibilities: · Communicates portfolio trends, risks and mitigants to senior leadership. · Develops and manages portfolio information needed to accommodate sound risk management, economic and regulatory reporting requirements. · Leads underwriting, structuring and closing of amendments, upsizes and extensions, as needed, including annual reviews and credit approval memos. · Develop credit recommendations which include clear views of credit structures and borrower’s risks. · Lead the financial modelling of complex structured corporates, including the impacts of complex transactions including mergers, acquisitions and divestitures. · Supports junior development through building strong relationships with the team as a mentor as needed. · Collaborates with product team members prior to loan closing on approval memos, legal documentation, collateral review and funding approvals. · Manages and controls risks throughout the post-closing credit process to ensure strong borrower performance. · Monitors and enforces terms of loan agreement / documents. · Identifies and establishes best practices policies and procedures. · Manages other Portfolio Management functions, including collaborating with new business team on up-front and ongoing client due diligence, etc. · Leads and/or provides valuable input for broader business initiatives, projects and goals. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education: Bachelor's Degree or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field. (Required) CFA Charter and/or MBA (Preferred) Work Experience: Financial analysis, structuring, underwriting and portfolio management. Experience with infrastructure companies, and/or project finance loans (preferably renewable energy - wind, solar, etc) Skills and Abilities: · Proficient communicator (orally and in writing) with clients, peers and fellow associates · Proficient with Microsoft Office applications · Ability to work and interact with various departments · Ability to work in a fast-paced, sometimes stressful, environment with many critical deadlines · Thorough knowledge and understanding of Structured Finance loan products and services Certifications: • Other: Completion of bank-certified course in Credit Training - Preferred. It Would Be Nice For You To Have: • Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education., • Experience in Microsoft Office products. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $78,750.00 USD Maximum: $122,500.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

Credit Risk Management Director Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Director, Credit Risk Management - Senior Vice President is responsible for risk analysis and independent oversight of credit quality of assigned portfolios. The incumbent is responsible for all aspects of credit quality including compliance with requirements of regulators and internal control and will recommend opportunities and proposed resolutions for improved efficiency, effectiveness, and/or risk reduction for the department. The Ideal Candidate Will Have: • Director level credit risk professional with diversified banking experience, advanced credit analysis and risk management skills, and in-depth knowledge of underwriting and portfolio management practices, policies, and procedures., • Experience in corporate, commercial and specialty lending, including middle market, mid-corporate and specialty portfolios, including ABL, Equipment Finance and Dealer Commercial Services, across diverse industries., • Strong negotiating skills, multitasking and organizational aptitudes, and proven ability to influence business partners. The Difference You Make: • Partners with Business Lines to recommend and vet new products initiatives, origination strategies, pre-approval and pre-qualification campaigns, underwriting techniques, peer group comparisons, and process optimization., • Assesses asset quality, status and appropriateness or existing risk controls/compliance with established underwriting policies/risk tolerance., • Ensures underwriting credit analysis is sound and justifies/mitigates the identified credit risk., • Provides a comprehensive range of risk management expertise requiring the creation, implementation and validation of various risk segmentation strategies using complex data., • Demonstrates subject matter expertise and serves as an authority and credible challenge to management regarding credit performance, potential or emerging risks, and business conformity with risk appetite, credit culture, and policies., • Delivers industry best practices, tools, guidance, and training to increase analytical capabilities and throughput., • Develops, implements and manages the Credit Risk projects assigned., • Develops and executes strategies and credit policies for lending and/or trading portfolios to mitigate credit risks without impacting portfolio growth or asset quality objectives and to correct risk budget deviations., • Reviews credit decisions analyzing sampling of loans and/or traded products to give feedback to the Credit Cycle and be in compliance with Regulations., • Establishes and oversees tactical plans to achieve desired asset quality for lending and/or trading portfolios including the design of annual credit management programs to monitor their compliance and deviations., • Approves credit proposal and monitoring. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor’s degree or equivalent work experience: Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. - Required. Master’s degree - Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. - Preferred. 12+ Years Risk Management, Credit Risk, or Internal Audit - Preferred. 12+ Years Financial Services industry. - Required. 5+ Years Underwriting/Portfolio Management experience. - Preferred. • Advanced knowledge and understanding/competency in regulatory matters and compliance., • Advanced risk, process, and control validation and/or assessment skills., • Advanced credit and risk, process, and control validation and/or assessment skills., • Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense., • Demonstrated track record interacting and influencing regulators, external and internal audit., • Demonstrated expertise in Consumer and Banking businesses and applicable rules, regulations and processes., • Strong risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment., • Ability to direct, train and guide peers, subordinates and management., • Ability to strategically generate well supported conclusions based on trend analysis, credit risk due diligence performed, understanding of the Banks risk appetite and assessment of managements capabilities., • Ability to effectively interact and communicate with senior management across the enterprise., • Ability to convey a sense of urgency and drive issues/projects to closure., • Excellent written and oral communication skills., • Excellent analytical, organizational and project management skills., • Superior project management skills. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $135,000.00 USD Maximum: $240,000.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: Trenton, NJ, REMOTE - New Jersey Other Locations: New Jersey-Florham Park,Texas-Dallas,New York-New York,Massachusetts-Boston Organization: Santander Holdings USA, Inc.

Overview: HealthPro Heritage has a great Occupational Therapist Opportunity! We are looking to add an OT to our Home Health team in the Westchester County - Yonkers/White Plains/Dobbs Ferry coverage area. Full-time, part-time and PRN flexible schedules available. Why Choose HealthPro Heritage? • Purpose-Driven Work: Be part of a mission-driven organization dedicated to compassionate care and innovative therapy solutions., • Growth Opportunities: Enjoy continuous learning and development opportunities tailored to support your professional growth., • Collaborative Culture: Thrive in a supportive environment where teamwork, respect, and open communication are at the heart of everything we do., • Commitment to Excellence: Join a team recognized for clinical expertise and commitment to delivering high-quality care and outcomes., • Competitive Benefits Package: Enjoy competitive compensation along with a comprehensive benefits package designed with YOU in mind!, • Compensation: $90,000-110,000 based on experience. Join Us in Making a Difference At HealthPro Heritage, we offer a fulfilling career where you can positively impact lives and achieve personal and professional growth. As a therapist-led, diverse organization, we provide clinical services across various settings, including nursing facilities, retirement communities, hospitals, home care, and pediatric schools and clinics. Join us to be part of a team that values your skills, listens to your input, and makes a meaningful difference in the community. Responsibilities: 1. Review available resident information and evaluate the impact of this information on the assessment and treatment process., 2. Conduct and document a thorough functional assessment of the resident, utilizing standardized procedures. Assessment of home/vocational and equipment needs., 3. Develop and implement an individualized treatment plan based on resident needs and containing achievable functional goals., 4. Comply with evaluation, treatment and documentation guidelines and consistently maintain timely and accurate departmental records., 5. Enter a progress note in the resident record following each treatment session. Qualifications: 1. Bachelor/Masters of Science degree in Occupational Therapy., 2. Current license/certification in the state of practice., 3. Prefer supervision, training and/or experience in a setting serving the same age/type of resident population served by this facility.

Job Family: Data Science Consulting Travel Required: Up to 10% Clearance Required: Ability to Obtain Public Trust What You Will Do: We are seeking an experienced Associate Director to join our growing AI and Data practice, with a dedicated focus on the Federal Civilian Agencies (FCA) market within the Communities, Energy & Infrastructure (CEI) segment. This individual will be a hands-on leader, responsible for both business development and delivery of AI- and data-driven solutions that enable federal clients to achieve mission outcomes, operational efficiency, and digital transformation. This is a leadership role for someone who thrives at the intersection of technology, data, and public sector strategy. The Associate Director will oversee cross-functional teams and collaborate directly with client executives and business leaders to drive value through advanced analytics, data strategy, and AI-based solutions. This is a leadership role for someone who thrives at the intersection of technology, data, and industry strategy. Key Responsibilities Include Client Leadership & Delivery • Serve as a trusted advisor to state and local government clients on establishing an AI strategy that encompass both building core AI capabilities, as well as addressing key use cases around organizational priorities (e.g., constituent facing AI-enabled services, mission operations optimiztions, enhanced predictive planning)., • Lead engagements from strategy through implementation, ensuring delivery excellence and measurable outcomes., • Translate complex business challenges into actionable AI/ML and data solutions using platforms such as Snowflake, Databricks, and Azure/AWS/GCP. Solution Development & Innovation • Design and lead AI/ML and analytics solutions using best-in-class tools and platforms., • Translate business challenges into actionable use cases and scalable data and AI products and services., • Stay ahead of industry trends and emerging technologies to inform solution development., • Advise and lead the technical design and development of AI/ML and data solutions. Business Development • Drive growth through capture support, proposal development, and strategic pursuits., • Collaborate with partners and directors to expand Guidehouse’s footprint in the state and local government market., • Contribute to thought leadership and represent the firm in industry forums and client discussions. Practice & Team Leadership • Mentor and lead multidisciplinary teams including scientists, engineers, and consultants., • Support recruiting, onboarding, and talent development within the AI & Data practice., • Foster a culture of innovation, collaboration, and continuous learning. What You Will Need: • Bachelor's degree is required, • Minimum SEVEN (7) years of experience of hands-on AI development, engineering, and analytics expertise, • Minimum FIVE (5) years of experience delivering technical solutions and programs to public sector organizations., • Strong understanding of AI/ML technologies, data platforms (e.g., Snowflake, Databricks, AWS/GCP/Azure), and analytics methodologies., • Demonstrated experience supporting the business development lifecycle, such as capture and proposal writing related activities., • Proven track record of leading large-scale AI/ML and data engagements from concept to execution., • Experience with GenAI technologies and trends, with an understanding of how to incorporate into impactful solutions and services., • Demonstrated ability to source and lead the formation and execution of successful partnerships between and across major stakeholders including technology partners and business end-users., • Proven ability to collaborate with audiences with a wide range of technical knowledge and at different levels of an organization, from the C-Suite (CIO, CISO, CDO) to an engineerng and or architectur team., • Ability to influence and motivate a team of data and AI specialists across a variety of functions to establish and deliver capabilities at scale., • Excellent communication, facilitation, and relationship-building skills. What Would Be Nice To Have: • Master’s Degree, • AI/LLM Certifications, • Project Management Professional (PMP), • Hands on experience bringing GenAI solutions to production., • Experience working with state and local clients., • Familiarity with federal contracting and procurement processes. The annual salary range for this position is $149,000.00-$248,000.00. Compensation decisions depend on a wide range of factors, including but not limited to skill sets, experience and training, security clearances, licensure and certifications, and other business and organizational needs. What We Offer: Guidehouse offers a comprehensive, total rewards package that includes competitive compensation and a flexible benefits package that reflects our commitment to creating a diverse and supportive workplace. Benefits include: * Medical, Rx, Dental & Vision Insurance * Personal and Family Sick Time & Company Paid Holidays * Position may be eligible for a discretionary variable incentive bonus * Parental Leave and Adoption Assistance * 401(k) Retirement Plan * Basic Life & Supplemental Life * Health Savings Account, Dental/Vision & Dependent Care Flexible Spending Accounts * Short-Term & Long-Term Disability * Student Loan PayDown * Tuition Reimbursement, Personal Development & Learning Opportunities * Skills Development & Certifications * Employee Referral Program * Corporate Sponsored Events & Community Outreach * Emergency Back-Up Childcare Program * Mobility Stipend About Guidehouse Guidehouse is an Equal Opportunity Employer–Protected Veterans, Individuals with Disabilities or any other basis protected by law, ordinance, or regulation. Guidehouse will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of applicable law or ordinance including the Fair Chance Ordinance of Los Angeles and San Francisco. If you have visited our website for information about employment opportunities, or to apply for a position, and you require an accommodation, please contact Guidehouse Recruiting at 1-571-633-1711 or via email at ___. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodation. All communication regarding recruitment for a Guidehouse position will be sent from Guidehouse email domains including @guidehouse.com or ___. Correspondence received by an applicant from any other domain should be considered unauthorized and will not be honored by Guidehouse. Note that Guidehouse will never charge a fee or require a money transfer at any stage of the recruitment process and does not collect fees from educational institutions for participation in a recruitment event. Never provide your banking information to a third party purporting to need that information to proceed in the hiring process. If any person or organization demands money related to a job opportunity with Guidehouse, please report the matter to Guidehouse’s Ethics Hotline. If you want to check the validity of correspondence you have received, please contact ___. Guidehouse is not responsible for losses incurred (monetary or otherwise) from an applicant’s dealings with unauthorized third parties. Guidehouse does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Guidehouse and Guidehouse will not be obligated to pay a placement fee.

Join our team of more than 34,000 team members, supporting our members and communities in our Club Support Center, 235+ clubs and eight distribution centers. BJ’s Wholesale Club offers a collaborative and inclusive environment where all team members can learn, grow and be their authentic selves. Together, we’re committed to providing outstanding service and convenience to our members, helping them save on the products and services they need for their families and homes. The Benefits of working at BJ’s • BJ’s pays weekly, • Eligible for free BJ's Inner Circle and Supplemental membership(s)*, • Generous time off programs to support busy lifestyles* o Vacation, Personal, Holiday, Sick, Bereavement Leave, Jury Duty • Benefit plans for your changing needs* o Three medical plans**, Health Savings Account (HSA), two dental plans, vision plan, flexible spending • 401(k) plan with company match (must be at least 18 years old) *eligibility requirements vary by position **medical plans vary by location Job Summary Responsible for performing all the duties required of an optician, in addition to managerial duties. This position is responsible for managing, teaching, and coaching the optical team members, interacting with Members, confirming appointments, and department upkeep. The Optical Manager serves as the liaison between our members and the lab to ensure that orders are processed timely. The pay range advertised for this position does not include additional compensation paid out through our Manager Bonus and spiff programs. Leadership: • Exhibit strategic thinking and sound decision-making thorough knowledge and utilization of business data., • Lead through change. Model leadership competencies, build credibility and act as a champion for business growth., • Communicate effectively. Provide the information teams require to be successful., • Build high performing teams by creating a culture of collaboration. Provide honest and timely direction, follow up and feedback that will drive business results and support team member engagement., • Deliver results. Execute business expectations within expected timeframes by setting clear expectations, utilizing follow up and accountability. Team Members: • Teach, coach and lead through the club level training process. Support team member engagement within all areas of responsibility to enable the application of policies, procedures, and compliance., • Drive a culture of development, strategic thinking and acting, ethical decision making and engagement. Lead with the team member and member in mind to address all concerns and to escalate any concerns, as appropriate., • Ensure a safe and positive environment and experience for the team members., • Embrace inclusion and diversity, by working together with collaboration and respect. Acknowledge team member success, work as a team to achieve goals, identify and retain top talent. Members: • Guarantee service excellence through all points of contact., • Set service standard expectations for all team members. Provide team support and empowerment to resolve every member concern., • Ensure a safe and positive environment and experience for the members., • Daily commitment to GOLD Member Standards, • Greet, Anticipate, Appreciate (GAA), • Fast, Friendly Full, Fresh, Clean Club Standards: Lead teams to deliver GOLD club standards daily. • Define and model GOLD- Grand opening look daily., • All items stocked and planograms executed., • Maintain visible accurate signage., • Clean and organized, inside and out. Know Your Business: • Acquire a deep knowledge of key metrics and reporting for total club and department performance., • Drive performance and profitability by using reporting to identify trends and areas of opportunity., • Have the foresight to see a breakdown in process and correct it before it negatively impacts club performance metrics., • Communicate a simple message to your team on the connection between consistent operational performance and achieving club financial targets. Major Tasks, Responsibilities, and Key Accountabilities • Provides a high level of Member service, including answering all incoming calls, scheduling patients for eye exams, being open and honest in communication and maintaining a friendly, pleasant demeanor with Members at all times., • Provides support to Members in making eyeglass adjustments, taking measurements, reading prescriptions on the lensometer, timely notification of product readiness, proper handling of all money related transaction, and completing paperwork necessary to place and process orders., • Manages Optical department team members and ensures all team members diligently engage in person and over the phone with Members., • This position will have access to patient information therefore a high degree of discretion and adhering to all privacy and confidential/propriety company policies and procedures is required (i. e. Health Insurance Portability and Accountability Act, known as HIPAA)., • Manages all sales opening and closing procedures at the end of the shift. Must ensure that accurate funds are collected, and payments are made at the point of service., • Strives to deliver sales and metric goals by educating patients on the benefits of available products, and by recommending those that will improve their visual needs., • Spends downtime engaging with members in front of Optical., • Communicates and follows up with Club Manager and Regional Optical Manager regarding department performance, maintenance situations, team member’s performance, and doctor relations., • Ensure workstation/Optical department is always maintained and clean., • Supervises all team members in the Optical department and is responsible for training, separations, recommendation for promotions, and coaching., • Maintains all club policies and procedures., • Performs other duties as assigned., • Regular, predictable, full attendance is an essential function of this job. Qualifications • Must be licensed to work as an optician within the State and keep license up to date and active., • Knowledge of optical products and business practices preferred., • High school diploma, college degree, and/or big box wholesale, retail, optical, and/or management experience is preferred., • Demonstrated leadership capabilities, including managing/supervising cross-functional teams, training team members, and driving and communicating results., • Strong interpersonal skills, customer service skills, organizational skills and an attention to detail required., • Open shift availability required., • At least 18 years of age. Environmental Job Conditions • Most of the time is spent moving about frequently on hard surfaces. There may be a need to occasionally position oneself to examine or scan merchandise, including bending, handling, pulling, reaching, and/or stooping., • Frequently requires lifting objects up to 20 pounds. May require lifting and moving heavy and/or awkward objects more than 20 pounds with assistance., • Located in a comfortable indoor area with frequent exposure to temperature extremes and loud noises. There may be occasional exposure to cleaning agents., • Requires the use of Optical hand tools to adjust and repair Members’ eyeglasses, which includes the insertion and removal of nose pads and small screws. In accordance with the Pay Transparency requirements, the following represents a good faith estimate of the compensation range for this position. At BJ’s Wholesale Club, we carefully consider a wide range of non-discriminatory factors when determining salary. Actual salaries will vary depending on factors including but not limited to location, education, experience, and qualifications. The pay range for this position is $36.00-39.00.

USA Underwriting & Portfolio Management Analyst Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The main function of the Sr. Specialist, Underwriting & Portfolio Management is to assist the Underwriter(s) in analyzing, processing and packaging commercial loans. • Collects, packages, reviews and reconciles loan application documents including financial/credit exhibits under various underwriting programs., • Orders and performs the preliminary review of all third party reports (appraisal, inspection and environmental) for compliance with guidelines., • Analyzes, interprets and underwrites complex transactions in compliance with respective agency guidelines., • Conducts detailed economic and demographic research to determine feasibility of transactions., • Assists the underwriter in preparing and presenting comprehensive loan approval package to credit committee., • Conducts inspections of physical assets. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required. 3+ Years Related experience and/or training. - Required., • Excellent written and verbal communication skills., • Strong analytical skills and proficient with financial statements., • Ability to work in a fast paced environment with little supervision., • Ability to work well with others and on teams., • Demonstrated proficiency in Microsoft Office, including Word, Excel and PowerPoint., • Demonstrates strong judgment and sound credit skills., • Knowledge of Federal banking regulations. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $63,750.00 USD Maximum: $97,500.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

Associate, Credit Risk Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Associate, Credit Risk is responsible for risk concentration monitoring, analysis, and reporting. The incumbent will analyze and summarize current and prospective trend financial characteristics, regulate risk exposure and controls by identifying areas of concern, opportunities, and reports on potential and/or known issues while recommending process improvements. The incumbent is responsible for reviewing, analyzing, and/or evaluating the Company's credit risk management program that renders risk-based processing and reporting to reduce operating losses and maintain maximum protection of the organization's assets, products, and services. The Sr. Analyst will recommend opportunities and propose resolutions for improved efficiency, effectiveness, and/or risk reduction for the department. * Evaluates counter party credit equivalent exposure in non-standard trade positions using modeling techniques. * Identifies potential credit risks and assesses impact, probability of occurrence and timeframe. * Analyzes counter party portfolio and cross-border risk data, events and trends. * Investigates various credit risk inquiries, proposals, plans, and makes recommendations as directed by management or at own initiative. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Required. Master's Degree Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Preferred. 5-9 years experience required; Risk Management, Credit Risk, or Internal Audit • Detailed knowledge of a commercial banks credit and counterparty customer populations, understanding their characteristics according to portfolio (aggregate) credit quality measures and individual customer financial characteristics., • Demonstrated credit analysis skills for understanding/tracking and market risk & modeling skills for evaluating related risk exposures., • Ability to work with large databases and datasets for extraction and conversion into useful final results with original numbers., • Ability to maintain accuracy while handling sensitive data files, working with that data and reconciling final results with original numbers., • Strong MS Office (Excel, PowerPoint, Word, Visio, and Outlook) skills., • Strong verbal and written communication skills., • Ability to build and foster internal relationships., • Strong organizational and time management skills., • Ability to analyze risk and provide recommendations and/or resolutions to minimize risk., • Ability to summarize, document, and communicate information in a clear and concise manner., • Ability to work independently as well as collaboratively within a team environment., • Ability to stay abreast of industry best practices, procedures, and techniques., • Ability to change direction as project demand dictates., • Ability to effectively and clearly communicate instructions to others, summarize and articulate issues, and document findings in a clear and concise manner. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $76,875.00 USD Maximum: $130,000.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

Executive Director, Credit Risk-Hedge Funds & Asset Managers - New York Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! This is an excellent opportunity to participate in a fast-growing sector, work on transactions encompassing a number of different clients and traded products, build analytical skills and cross-train with other areas of the Credit Risk Management team. Responsibilities: • Perform in-depth credit analysis of new and existing hedge funds and asset managers/traditional funds (including: credentials, strategy, track record, leverage, investor base, liquidity, risk management, portfolio valuation, internal controls, service providers, transparency and regulation)., • Review the fund documentation (including: Prospectuses, Offering Memos, Investment Management Agreements, Investment Guidelines, Trust Agreements, Financial Statements, etc.) in order to evaluate investment objectives and strategies and determine credit worthiness of the underlying funds., • Negotiate an ISDA/CSA, MRA, GMRA, CDEA and other traded products documentation., • Provide recommendation for transactions approvals, determine initial margin requirements and haircuts on capital markets products (including: interest rate swaps, repos, foreign exchange)., • Conduct credit due diligence conference calls and on-site meetings., • Monitor monthly performance and NAV trends in order to identify funds that breach ISDA triggers and hedge funds/investment managers that face challenges with performance and redemptions., • Liaise with middle office, documentation group and collateral management to ensure that trades are booked and documented correctly and that collateral is taken where appropriate., • Develop, maintain and manage internal relationships with business partners (including: marketers, negotiators, collateral management, on-boarding team and legal)., • Monitor investment industry fundamentals and apprise management of significant events that may have an adverse effect on a credit quality of assigned portfolios., • Bachelor’s degree in Finance or Accounting, • 10+ years of experience in financial services and risk management required, • At least 5 years of banking/credit analysis experience covering asset managers/hedge funds, • Knowledge of traded products, investment strategies and financial markets, • Proficiency in trading documentation, • Knowledge of counterparty credit risk metrics, • Ability to conduct due diligence meetings, • Good communication skills, both written and verbal, • Strong work ethics, • Proactive approach, initiative, and resourcefulness, • Positive attitude, drive, and dedication, • Entrepreneurial spirit, • Attention to detail, • Team player, • Experience in leadership and management positions preferred, but not required What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $135,000.00 USD Maximum: $240,000.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, UCM - New York - Park Avenue (inactive) Other Locations: New York-New York Organization: Santander US Capital Markets LLC

Job Family: Data Science Consulting Travel Required: Up to 10% Clearance Required: None What You Will Do: We are seeking an experienced Associate Director to join our growing AI and Data practice, with a dedicated focus on commercial energy providers. This individual will be a hands-on leader, responsible for shaping and delivering AI- and data-driven transformations that enable utilities to achieve operational excellence, decarbonization goals, grid modernization, and customer-centric innovation. The Associate Director will oversee cross-functional teams and collaborate directly with client executives and business leaders to drive value through advanced analytics, data strategy, and AI-based solutions. This is a leadership role for someone who thrives at the intersection of technology, data, and industry strategy. Client Leadership & Engagement * Serve as a trusted advisor to utility clients on AI and data strategy, including demand forecasting, asset analytics, grid optimization, and customer engagement. * Lead client engagements end-to-end from strategy through implementation, ensuring delivery excellence and measurable business outcomes. * Develop and maintain relationships with key clients and stakeholders. Solution Development & Innovation * Design and lead AI/ML and analytics solutions using best-in-class tools and platforms. * Translate business challenges into actionable use cases and scalable data and analytics products. * Stay ahead of industry trends and emerging technologies to inform solution development. Team & Practice Leadership * Support business development through proposal development, thought leadership, and strategic pursuits. * Mentor and lead multi-disciplinary consulting teams including data scientists, engineers, and business consultants. * Contribute to recruiting, talent development, and thought leadership within the practice. Industry & Domain Expertise * Apply deep knowledge of the energy and utilities industry to shape strategies around DER integration, energy transition, grid modernization, regulatory compliance, and customer experience. * Interpret regulatory and policy changes to identify opportunities for AI and data enablement. What You Will Need: * Minimum SEVEN (7) years of experience of hands-on AI, data engineering, and analytics expertise * Minimum FIVE (5) years of experience delivering data-driven transformation programs within the utilities or broader energy sector. * Strong understanding of AI/ML technologies, data platforms (e.g., Snowflake, Databricks, AWS/GCP/Azure), and analytics methodologies. * Demonstrated experience supporting the business development lifecycle, such as capture and proposal writing related activities. * Proven track record of leading large-scale analytics and AI engagements from concept to execution. * Demonstrated ability to source and lead the formation and execution of successful partnerships between and across major stakeholders including technology partners and business end-users. * Proven ability to collaborate with audiences with a wide range of technical knowledge and at different levels of an organization, from the C-Suite (CIO, CISO, CDO) to a data engineer or data analyst. * Ability to influence and motivate a team of data and AI specialists across a variety of functions to establish and deliver capabilities at scale. * Excellent communication, facilitation, and relationship-building skills. What Would Be Nice To Have: * Bachelor's degree * Master’s Degree in Data Engineering, Data Science, Artificial Intelligence, Computer Science, or related technical field * AI/LLM Certifications * Project Management Professional (PMP) The annual salary range for this position is $149,000.00-$248,000.00. Compensation decisions depend on a wide range of factors, including but not limited to skill sets, experience and training, security clearances, licensure and certifications, and other business and organizational needs. What We Offer: Guidehouse offers a comprehensive, total rewards package that includes competitive compensation and a flexible benefits package that reflects our commitment to creating a diverse and supportive workplace. Benefits include: * Medical, Rx, Dental & Vision Insurance * Personal and Family Sick Time & Company Paid Holidays * Position may be eligible for a discretionary variable incentive bonus * Parental Leave and Adoption Assistance * 401(k) Retirement Plan * Basic Life & Supplemental Life * Health Savings Account, Dental/Vision & Dependent Care Flexible Spending Accounts * Short-Term & Long-Term Disability * Student Loan PayDown * Tuition Reimbursement, Personal Development & Learning Opportunities * Skills Development & Certifications * Employee Referral Program * Corporate Sponsored Events & Community Outreach * Emergency Back-Up Childcare Program * Mobility Stipend About Guidehouse Guidehouse is an Equal Opportunity Employer–Protected Veterans, Individuals with Disabilities or any other basis protected by law, ordinance, or regulation. Guidehouse will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of applicable law or ordinance including the Fair Chance Ordinance of Los Angeles and San Francisco. If you have visited our website for information about employment opportunities, or to apply for a position, and you require an accommodation, please contact Guidehouse Recruiting at 1-571-633-1711 or via email at ___. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodation. All communication regarding recruitment for a Guidehouse position will be sent from Guidehouse email domains including @guidehouse.com or ___. Correspondence received by an applicant from any other domain should be considered unauthorized and will not be honored by Guidehouse. Note that Guidehouse will never charge a fee or require a money transfer at any stage of the recruitment process and does not collect fees from educational institutions for participation in a recruitment event. Never provide your banking information to a third party purporting to need that information to proceed in the hiring process. If any person or organization demands money related to a job opportunity with Guidehouse, please report the matter to Guidehouse’s Ethics Hotline. If you want to check the validity of correspondence you have received, please contact ___. Guidehouse is not responsible for losses incurred (monetary or otherwise) from an applicant’s dealings with unauthorized third parties. Guidehouse does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Guidehouse and Guidehouse will not be obligated to pay a placement fee.

At OneMain, Loan Sales Specialists empower customers by listening to their needs and providing access to friendly, fast, and affordable financing for life’s expenses. In this role, our team members thrive in a competitive atmosphere where hard work and dedication directly influence success. This role provides rewarding professional development and advancement opportunities in a dynamic and supportive environment. Loan Sales Specialists enjoy competitive compensation that recognizes both individual achievements and team success, all while growing their career. In the Role • Effectively multitask and adapt to the dynamic demands of the role, ensuring timely and efficient service, • Exceed customer expectations through ease, empathy and encouragement, delivering results related to individual and branch goals, • Develop new connections and maintain ones by engaging customers throughout the loan process and life cycle, presenting tailored solutions based on customer needs, • Manage the life cycle of loans, including collections activities while maintaining compliance with all relevant laws and regulations, • Engage with customers and other departments through multiple technological channels, including phone, email, chat and our in-house systems, • Exhibit passion for achievement, bringing an internal drive to succeed and goal oriented attitude, • High School Diploma or GED Preferred: • Sales, Collections or Customer Service experience, • Bilingual - Spanish Location: On site The schedule for this position is Monday-Friday during standard business hours, with some extended hours during the week as needed which may include Saturday.

Associate, Credit Risk, Liberty Street, New York, NY Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Associate, Credit Risk drives cross functional analytics projects from beginning to end, builds relationships with partner teams, frames and structures questions, collects and analyzes data, and summarizes key insights in support of decision making. They work with engineers to evangelize data best practices and implement analytics solutions. • Translates business queries into actionable and commercial insights leveraging unstructured data and statistically robust techniques., • Drives cross functional analytics projects from beginning to end: builds relationships with partner teams, frames and structures questions, collects and analyzes data, and summarizes key insights in support of decision making., • Works with engineers to evangelize data best practices and implement analytics solutions., • Evaluation and discovery of alternative data vendors including ability to quantifiably validate external algorithms and apply insights to commercially driven use cases., • Performs quantitative analysis, including alpha assessment, risk analysis, portfolio construction and return attribution to enhance investment strategies using sourced and external data., • Leverages available data tools and collaborate with data scientists and engineers across the firm and adapts data initiatives to needs of business., • Collaborates across functional areas of our business at every level of seniority to uncover and address opportunities for scalability and growth. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. • Bachelor's Degree or equivalent work experience: Statistics, Computer Science, Physical Sciences, Economics, or a equivalent technical field. - Required., • Master's Degree Statistics, Computer Science, Physical Sciences, Economics, or a equivalent quantitative field. - Preferred., • 5+ Years Data mining/advanced analytics applied to large-scale data-intensive projects. - Required., • Knowledge of the principles of machine earning, classification models, time series regression and stochastic statistics to deliver improved business performance., • Demonstrated experience with SQL, R or a comparable programming language (such as Python, SAS, SPSS, or MATLAB) ., • Demonstrated ability to communicate complex concepts., • Strong quantitative and problem solving skills with focus hypothesis formulation and testing., • Strong evidence of leveraging analytics to drive business results., • Strong project management skills., • Individually motivated and possess sound judgment, integrity, and a solid work ethic., • Ability to clearly communicate complex results to technical and non-technical audiences., • Ability to adapt to various programming languages and environments., • Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions., • Excellent written and verbal communication skills., • Effective time management in order to efficiently deliver concurrent projects with competing priorities. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $76,875.00 USD Maximum: $130,000.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, New York Other Locations: New York-New York Organization: Santander Bank N.A.

USA Sr. Analyst, Credit Risk (048RI1) Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Sr. Analyst, Credit Risk is responsible for risk analysis and independent oversight of credit quality of assigned portfolios, may be responsible for monitoring risk exposures arising from trading activities. They are responsible for all aspects of credit quality including compliance with requirements of regulators and internal control and will recommend opportunities and proposed resolutions for improved efficiency, effectiveness, and/or risk reduction for the department. The incumbent is responsible for reviewing, analyzing, and/or evaluating the Company's credit risk management program that renders risk-based processing and reporting to reduce operating losses and maintain maximum protection of the organization's assets, products, and services. The Sr. Analyst will recommend opportunities and propose resolutions for improved efficiency, effectiveness, and/or risk reduction for the department. • Analyzes trends in credit risk data and escalates developments according to company policy and procedures for risk escalations., • Communicates and shares insight to causes of risk indicators and proposes recommendations to resolve or mitigate identified risks with team., • Reviews identified credit risks and liabilities; informs and recommends resolutions with business lines to mitigate risk potential., • Assists in processing risk assessments by analyzing risk data and identifying any plausible risks affecting the business and operations., • Serves as a point of contact for the department by responding to internal inquiries regarding credit risk, procedures, regulatory requirements, and project status updates., • Informs employees on credit and risk policies and guidelines to build a risk aware culture and practice across the organization., • Researches a wide variety of topics and issues including emerging credit risks and trends and credit risk management best practices; summarizes and communicates findings with team., • Evaluates credit risk management contingency plans and reports findings., • Assists in processing credit risk assessments by analyzing risk data and identifying any plausible risks affecting the business and operations., • Prepares appropriate review memorandum summarizing liabilities and recommending follow-up evaluations., • Provides procedural guidance and support to junior analysts in the various functions of the department, and in the methods of tools of analysis., • Interprets and applies credit and risk procedures, ensures analysis is documented and that records are maintained., • Evaluates the strengths and weaknesses of existing controls and provides recommendations on opportunities for improvement. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Required. Master's Degree Accounting, Business, Statistics, Information Systems, Finance, Economics or equivalent field. - Preferred. 1+ Years Risk Management, Credit Risk, Internal Audit or related experience. - Required., • Demonstrated credit analysis skills for understanding/tracking and market risk & modeling skills for evaluating related risk exposures., • Ability to work with large databases and datasets for extraction and conversion into useful final results with original numbers., • Strong quantitative capabilities and analytical skills, including an investigative mindset., • Strong MS Office (Excel, PowerPoint, Word, Visio, and Outlook) skills., • Strong verbal and written communication skills., • Ability to build and foster internal relationships., • Strong organizational and time management skills., • Ability to analyze risk and provide recommendations and/or resolutions to minimize risk., • Ability to summarize, document, and communicate information in a clear and concise manner., • Ability to work independently as well as collaboratively within a team environment., • Ability to stay abreast of industry best practices, procedures, and techniques., • Ability to change direction as project demand dictates., • Ability to effectively and clearly communicate instructions to others, summarize and articulate issues, and document findings in a clear and concise manner. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $58,125.00 USD Maximum: $107,500.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

Fund Finance – Vice President, Underwriting & Portfolio Management Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The candidate will be responsible for managing the Underwriting & Portfolio Management of a defined portfolio of Fund Finance transactions. The Portfolio is primary comprised of Fund Finance loans comprising of NAV, Subscription, ABL and range of other related facilities. This position will work closely with the product teams to present and defend business opportunities to the 2nd Line of Defense. The candidate will manage the business relationship with risk and ensure all required portfolio management tasks are completed. Responsibilities: • Work closely with product / origination team to develop credit recommendations on new transactions which include clear views of credit structures and risks on NAVs, subscription lines, ABLs and related fund facilities., • Lead underwriting, credit analysis and closing of refinancings, upsizes, extensions and amendments as needed, including annual reviews and credit approval memos., • Communicates portfolio trends, risks and mitigants to senior leadership., • Develops and manages portfolio information needed to accommodate sound risk management, economic and regulatory reporting requirements., • Lead the financial modelling review of complex structured fund finance facilities, including the impacts of complex transactions including mergers, acquisitions and divestitures., • Supports junior development through building strong relationships with the team as a mentor as needed., • Collaborates with product team members prior to loan closing on approval memos, legal documentation, collateral review and funding approvals., • Manages and controls risks throughout the post-closing credit process to ensure strong borrower performance., • Monitors and enforces terms of loan agreement / documents., • Identifies and establishes best practices policies and procedures., • Manages other Portfolio Management functions, including collaborating with new business team on up-front and ongoing client due diligence, etc., • Leads and/or provides valuable input for broader business initiatives, projects and goals. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field. (Required) CFA Charter and/or MBA (Preferred) Work Experience: Financial analysis, structuring, underwriting and portfolio management. Experience with Fund finance facilities across subscription facilities, NAVs and/or ABLs. Skills and Abilities: • Proficient communicator (orally and in writing) with clients, peers and fellow associates, • Proficient with Microsoft Office applications, • Ability to work and interact with various departments, • Ability to work in a fast-paced, sometimes stressful, environment with many critical deadlines, • Thorough knowledge and understanding of Structured Finance loan products and services Certifications: None It Would Be Nice For You To Have: • Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education., • Experience in Microsoft Office products. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $97,500.00 USD Maximum: $160,000.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

Corporate Banking Underwriting & Portfolio Management - Associate Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Associate, Corporate Banking Underwriting & Portfolio Management underwrites and manages transactions, and routinely monitors them for risks inherent in a business loan portfolio. The incumbent provides support to the manager of the department on continuous improvement initiatives and takes the lead on projects that support loan growth and efficiency objectives within lines of business. The Associate helps deliver an industry-leading experience for both internal and external customers and acts as a subject matter expert. • Leads deal diligence process including identifying all key risks., • Reviews relevant deal documents / information provided in data room, by Company / Sponsor, and third party reports., • Helps to structure deals., • Oversees internal approval process including ensuring accurate and timely completion of internal approval write-ups and leading deal merit discussion on internal approval calls., • Manages legal aspect of deal process., • Mentors junior resources on underwriting best practices. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required. 5+ Years of financial analysis, structuring, and portfolio management experience - Required. 5+ Years of experience underwriting commercial and/or corporate loan transactions - Required. • Superior written and verbal communication skills., • Strong analytical skills and proficient with financial statements., • Ability to work in a fast paced environment with little supervision., • Ability to work well with others and on teams., • Proficient in Microsoft Office, including Word, Excel and PowerPoint., • Skilled in proposing and negotiating and recommending credit and covenant structures., • Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments., • Ability to foster strong partnerships with the related documentation and underwriting units., • Demonstrated practical and conceptual knowledge of credit and risk analysis., • Demonstrated knowledge in financial modeling and able to structure credit in modeling environment. Able to assist RM's on how to structure the credit relationship., • Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to organization., • Solid understanding of industry nuances applicable to the credits contained within the group's portfolio., • Solid knowledge of loan and related legal documents., • Strong communication skills, and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions., • Must demonstrate strong judgment and sound credit skills., • Knowledge of Federal banking regulations. Certifications: • Other Completion of bank-certified course in Credit Training - Preferred. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $78,750.00 USD Maximum: $122,500.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

Position Type: Regular At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together. Schwab’s branch team is at the heart of our firm’s commitment to helping clients own their financial futures. In this exciting role, you’ll give clients financial guidance while forming lasting relationships built on trust, respect, and reaching a common goal. You’ll also have the ability to take charge of your own professional journey with our supportive, nurturing culture and diverse set of career opportunities. As a Financial Consultant at Schwab, you will be procured with the practice of existing Schwab clients, providing them with wealth management and financial planning advice. Over time, you’ll grow your practice holistically through client asset consolidation, networking, and earning client referrals. If you currently have your securities license, enjoy working in a team setting, and share our passion for serving clients - this role is for you. Required Qualifications: • A valid and active FINRA Series 7 license required, • Obtaining or acquiring FINRA Series 66 (63/65) license and Life & Health Insurance as it will be required during your tenure on the job. Preferred Qualifications: • Ability to build strong relationships, engage and encourage trust, and deepen the client relationship by applying a focused client communication strategy, and exceeding client expectations., • Strong candidates will also learn to leverage our team of Schwab specialists, Schwab advice guidelines, your knowledge of the markets, and your ability to inspire action to help your client’s progress toward achieving their goals., • Openness to manage wealth on behalf of our clients including: Retirement Planning, Education Planning, Investment Management, Banking & Lending Management, Insurance & Risk Management, and Estate Planning, • Ability to adapt and implement change as the market and business conditions evolve, • Passion for community engagement to share and engage clients in discussion about market conditions, sound investing principles, and the ideal wealth and long-term investment strategies for their personal situation Pursuant to SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the NMLS registry system and remain in good standing. You will be required to register and to submit to the required SAFE Act background check and registration process At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact. We offer a competitive ___ that takes care of the whole you – both today and in the future: • 401(k) with company match and Employee stock purchase plan, • Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions, • Paid parental leave and family building benefits, • Tuition reimbursement, • Health, dental, and vision insurance

By clicking the “Apply” button, I understand that my employment application process with Takeda will commence and that the information I provide in my application will be processed in line with Takeda’s ___ and ___. I further attest that all information I submit in my employment application is true to the best of my knowledge. Please take this virtual tour to get a sneak peek of one of our Plasma Donation Centers. About BioLife Plasma Services Every day, the donors you meet will motivate you. The high-quality plasma you collect will become life-changing medicines. Here, a commitment to customer service and quality is expected. You will report to the Plasma Center Manager and will perform as a Medical Support Specialist (Plasma Center Nurse) to support plasma center operations. BioLife Plasma Services is a subsidiary of Takeda Pharmaceutical Company Ltd. About the role: Every day, the donors you meet will motivate you. The high-quality plasma you collect will become life-changing medicines. Here, a commitment to customer service and quality is expected. You will determine donor eligibility to donate plasma, management of donor adverse events, review of laboratory test results, and donor notification of unsuitable test results. The Medical Support Specialist (Plasma Center Nurse) works under the guidance of the Center Manager (or Assistant Manager as applicable) for operational guidance and under the management of the Center Physician for medical issues. The Medical Support Specialist will be familiar with regulations of the plasma collection industry or a manufacturing environment. The Medical Support Specialist follows guidance provided by BioLife Medical Affairs and provides center level support of environmental, health and safety (EHS). How you will contribute You will determine donor eligibility; to include, proper management of informed consent, AIDS education and confidential self-exclusion, medical history interview and acceptance requirements, physical examination, blood testing, and reviewing Serological Protein Electrophoresis (SPE). You will evaluate donor reaction(s), which occurs at the facility as outlined in the SOPs. Follow applicable SOPs for medical emergencies including the development of Center Physician's standing orders and donor transport to emergency care facilities. You will refer to the Center Physician or Medical Affairs (as applicable) when in need of providing unacceptable findings to donors, or guidance concerning medical or technical issues, including donor safety and eligibility. You will support the Hepatitis B and Seasonal Flu vaccination programs for employees as applicable. You will manage employee incidents and determine whether further evaluation is required by occupational health/ER. Refer to EHS guidance regarding employee incidents. You can be a Pandemic Coordinator when authorized by EHS and support investigations associated with pandemic threats within the local community as indicated by EHS or Medical Affairs. What you bring to Takeda: High school diploma or equivalent to including graduate equivalent of a recognized educational nursing program with state requirements Currently licensed or certified in the state where responsibilities will be assigned: Registered Nurse (RN), Nurse Practitioner (NP) or Physician Assistant (PA) Current Cardiopulmonary Resuscitation (CPR) and AED certification Fulfill state requirements (in state of licensure) for basic IV therapy Satisfactorily complete the FDA approved training requirements for BioLife Medical Support Specialist Two years in a clinical or hospital setting What Takeda can offer you: Every day at Takeda, we feel good knowing that what we do helps improve the lives of patients with rare diseases. At BioLife, while you focus on our donors, we will support you. We offer a purpose you can believe in, a team you can count on, opportunities for career growth, and a comprehensive benefits program to include medical/dental, paid time off and retirement benefits, all in a fast-paced, friendly environment. More about us: At Takeda, we are transforming patient care through the development of novel specialty pharmaceuticals and best in class patient support programs. Takeda is a patient-focused company that will inspire and empower you to grow through life-changing work. Certified as a Global Top Employer, Takeda offers stimulating careers, encourages innovation, and strives for excellence in everything we do. We foster an inclusive, collaborative workplace, in which our teams are united by an unwavering commitment to bring Better Health and a Brighter Future to people around the world. BioLife Compensation and Benefits Summary We understand compensation is an important factor as you consider the next step in your career. We are committed to equitable pay for all employees, and we strive to be more transparent with our pay practices. For Location: USA - NY - New York U.S. Hourly Wage Range: $42.00 - $57.75 The estimated hourly wage range reflects an anticipated range for this position. The actual hourly wage offered may depend on a variety of factors, including the qualifications of the individual applicant for the position, years of relevant experience, specific and unique skills, level of education attained, certifications or other professional licenses held, and the location in which the applicant lives and/or from which they will be performing the job. The actual hourly wage offered will be in accordance with state or local minimum wage requirements for the job location. U.S. based employees may be eligible for short-term incentives. U.S. based employees may be eligible to participate in medical, dental, vision insurance, a 401(k) plan and company match, short-term and long-term disability coverage, basic life insurance, a tuition reimbursement program, paid volunteer time off, company holidays, and well-being benefits, among others. U.S. based employees are also eligible to receive, per calendar year, up to 80 hours of sick time, and new hires are eligible to accrue up to 120 hours of paid vacation. EEO Statement Takeda is proud in its commitment to creating a diverse workforce and providing equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, gender expression, parental status, national origin, age, disability, citizenship status, genetic information or characteristics, marital status, status as a Vietnam era veteran, special disabled veteran, or other protected veteran in accordance with applicable federal, state and local laws, and any other characteristic protected by law. USA - NY - New York Employee Regular Full time Job Exempt No

At OneMain, Loan Sales Specialists empower customers by listening to their needs and providing access to friendly, fast, and affordable financing for life’s expenses. In this role, our team members thrive in a competitive atmosphere where hard work and dedication directly influence success. This role provides rewarding professional development and advancement opportunities in a dynamic and supportive environment. Loan Sales Specialists enjoy competitive compensation that recognizes both individual achievements and team success, all while growing their career. In the Role • Effectively multitask and adapt to the dynamic demands of the role, ensuring timely and efficient service, • Exceed customer expectations through ease, empathy and encouragement, delivering results related to individual and branch goals, • Develop new connections and maintain ones by engaging customers throughout the loan process and life cycle, presenting tailored solutions based on customer needs, • Manage the life cycle of loans, including collections activities while maintaining compliance with all relevant laws and regulations, • Engage with customers and other departments through multiple technological channels, including phone, email, chat and our in-house systems, • Exhibit passion for achievement, bringing an internal drive to succeed and goal oriented attitude, • High School Diploma or GED Preferred: • Sales, Collections or Customer Service experience, • Bilingual - Spanish Location: On site The schedule for this position is Monday-Friday during standard business hours, with some extended hours during the week as needed which may include Saturday.

Cybersecurity Governance & Communications Specialist Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: We are seeking a Cyber Governance Senior Associate to join our team. This role plays a critical part in shaping and delivering governance materials that effectively communicate cyber risk and strategy across diverse audiences, including Technology teams, Business units, Executive management, and the Board of Directors. The ideal candidate brings a unique blend of cybersecurity knowledge, marketing and communications expertise, and exceptional critical thinking and storytelling skills. * Cyber Governance Communications * Develop, design, and deliver high-impact governance materials and visuals tailored to multiple stakeholders (presentations, reports, dashboards, narratives). * Translate complex cyber risk topics into clear, compelling, and actionable insights for both technical and non-technical audiences. * Partner with Technology, Risk, and Business leaders to ensure consistent messaging on cyber strategy, risks, and controls. * Executive & Board Reporting * Prepare and oversee cyber risk and governance updates for executive management and the Board of Directors. * Craft narratives that connect cyber metrics and activities to broader business objectives and risk management priorities. * Metrics & Monitoring Program Oversight * Lead the development, tracking, and reporting of key cyber risk, objective results, and performance metrics. * Continuously monitor effectiveness of controls and escalate issues where required. * Identify opportunities to enhance data quality, reporting tools, and visualization methods to improve decision-making. * Partner with Technology stakeholders and craft messages for senior leadership with clear remediation steps and maturity roadmaps as needed. * Cross-Functional Engagement * Collaborate with Cybersecurity, Risk, Technology, and Business stakeholders to align governance reporting with organizational priorities. * Act as a trusted advisor on cyber communications strategy, ensuring clarity, consistency, and impact. * Assist the GRC team Uplift all aspects of its Data Governance & Executive reporting program. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Marketing, Cybersecurity, Risk Management, or related field.- Required 5+ years of professional experience, ideally combining marketing and or communications expertise with cybersecurity/risk governance exposure. * Strong storytelling and presentation skills, with the ability to tailor messaging to varied audiences. * Exceptional critical thinking, analytical, and problem-solving abilities. * Demonstrated ability to distill technical and risk-related information into executive-ready materials. * Experience in metrics design, data monitoring, and governance reporting. * Proficiency with presentation tools (PowerPoint, Keynote, etc.) and data visualization platforms (Tableau, Power BI, or similar). * Strong collaboration and stakeholder management skills. Certifications: * PMP Project Management Professional - Preferred. * Vendor security certifications - Preferred. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $101,250.00 USD Maximum: $175,000.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: Miami, FL, Miami Other Locations: Florida-Miami,Texas-Dallas,New York-New York,Massachusetts-Boston Organization: Santander Consumer USA Inc.

Sr. Associate, Pricing, Boston, MA Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Consumer and Small Business Deposit Pricing Team provides analysis and strategy around deposit pricing using a combination of internal analytics and competitive intelligence to focus on driving growth and profitability. The Pricing Associate will contribute to the team by analyzing portfolio and industry trends, creating and maintaining reporting, implementing pricing strategies and changes, and partnering with key teams like Finance, Product, Data Science, and Operations to manage support growth, profitability, and risk objectives. • Provide detailed quantitative analyses of portfolio, industry, and economic trends to identify opportunities to improve growth or profitability and mitigate risk., • Develop and maintain internal reporting to assist in management control activities., • Prepare and present materials for pricing committee and other executive forums., • Execute and analyze impact of pricing changes, strategies, and tactics, • Manage aspects of rate change opportunity vetting and forecasting, including but not limited to business case and stakeholder impact assessment development from proposed new fees/services and/or rate modifications., • Contribute to the implementation and monitoring of pricing methods, policies, processes, procedures, or techniques, • Work within cross-functional team and product/service owners to develop pricing for new products and services. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. • Bachelor's Degree or equivalent work experience: Business, Finance or equivalent field. - Required., • 9+ Years experience with financial pricing, financial modeling, and/or marketing analytics; Ideal candidates will have both strategic and tactical abilities and strong knowledge of banking product financials; experience with deposit industry data a plus - Required., • Overall proficiency with MS Office (Outlook, Word, PowerPoint); Advanced Excel skills, • Experience utilizing advanced analytics to drive decision-making. Experience with SAS, SQL, Tableau or Python preferred, • Excellent written and verbal communication skills, • Strong communication and analytical skills, including strong ability to identify and solve ambiguous problems, • Detail oriented, self-starter, takes initiative, independent worker, surfaces and escalates issues or concerns effectively, • Ability to form strong partnerships with key stakeholders and work with them on initiatives; hold accountable when needed, • Stays current with industry and regulatory trends and emerging risk issue; maintains good understanding of current market and competitive landscape Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $90,000.00 USD Maximum: $155,000.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: Boston, MA, Boston Other Locations: Massachusetts-Boston,Texas-Dallas,New York-New York,Florida-Coconut Grove Organization: Santander Bank N.A.

JOB DESCRIPTION Job Summary Designs and builds company specific enterprise application systems and technology expertise across multiple disciplines. Applies and promotes key principles (e.g., stability, scalability, performance, security, compatibility, re-use), helping ensure a balance between tactical and strategic technology solutions. Considers business problems “end-to-end”: including people, process, and technology, both within and outside the enterprise, as part of any design solution. Promotes use of industry and enterprise technology standards. Monitors emerging technologies for potential application within or across the Corporation. Adheres to design and application development standards, methodology and, framework within Architectural compliance and governance. KNOWLEDGE/SKILLS/ABILITIES • Experience with Edifecs/JavaScript/SQL, • Develops software (hands on code development) to meet key business objectives., • Practices and leads SW and applications development methodologies in adherence to SW development standards., • Designs and develops SW applications or systems solving specific business or processing problem (Web or Mobile)., • Gathers business requirements and develops conceptual design and technical design for multiple projects concurrently., • Reviews computer system capabilities, work flow and scheduling limitations to determine if requested program or program change is possible within existing system., • Conducts peer review of other developers (internal and contract staff) to ensure standards and quality., • Responsible for quality deliveries for self and application engineers. Participates in build vs. buy evaluation process., • Leads architecture and design discussions in adherence to SW development standards., • Provides design and architectural expertise on application systems / technologies, to both technical teams and business partners., • Responsible to support the application system / service owner for system performance, budgeting, and planning., • Responsible for application system stability and scalability related activities., • Responsible for alignment with project methodologies and change management processes., • Responsible to organize, manage and lead cross-team project tasks and deliverables., • Responsible for designing and building enterprise level application systems., • Responsible for presentations and solutions submitted to technical peer review committees., • Ownership to provide cross-organization teamwork, collaboration, communication, and leadership. Required Education Bachelor's Degree in relevant field Required Experience • 3+ years of hands-on technical implementation experience in mid to large IT Enterprise environments., • 5-6 years of IT technical experience with IT enterprise infrastructure., • Industry certifications preferred., • Experience with Edifecs/JavaScript/SQL To all current Molina employees: If you are interested in applying for this position, please apply through the intranet job listing. Molina Healthcare offers a competitive benefits and compensation package. Molina Healthcare is an Equal Opportunity Employer (EOE) M/F/D/V. #PJCorp #LI-AC1 #HTF Pay Range: $107,028 - $250,446 / ANNUAL *Actual compensation may vary from posting based on geographic location, work experience, education and/or skill level.

Associate, Market Risk Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Associate, Market Risk monitors the liquidity risk metrics operates within Liquidity Policy guidelines and limits. This position will develop and implement all Regulatory and Corporate Liquidity Policy standards for market risk activities, lead discussions with management, and compare the Company risk profile against industry information. • Observes, analyzes and implements US regulation and Liquidity Policy Guidelines., • Documents effectively Liquidity assumptions, developing procedures related with daily and monthly liquidity process., • Identifies and contributes to resolution of emerging risk issues related to Liquidity Risk processes and exposure, anticipating and acting proactively on minimizing risk., • Ensures the commitment of the liquidity risk policy guidelines and the contingency plans, monitoring early warning indicators and warning about liquidity events,, • Assists with the validation, reconciliation and analysis of data, ensuring its accuracy, validating and implementing liquidity risk measurement methods., • Compares the Company risk profile against industry information. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Business, Finance, Management, or equivalent field. - Required. 5+ Years Risk Management/Controls - Required. • Advanced understanding of key inherent risk and market risk management control practices to perform periodic analysis with critical reasoning for high management reporting., • Strong market risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment., • Knowledge of workflow/processes and risks/controls, including: origination, underwriting, servicing, and collections/workout., • Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense., • Ability to handle conflict resolution with other groups to ensure appropriate accounting guidance is followed., • Ability to adjust to new developments/changing circumstances., • Ability to convey a sense of urgency and drive issues/projects to closure., • Ability to effectively interact with the market, executive management and vendors., • Ability to adapt and adjust to multiple demands and competing priorities., • Excellent written and oral communication skills., • Strong analytical, organizational and project management skills. Certifications: No Certifications listed for this job. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $90,000.00 USD Maximum: $155,000.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

We are currently seeking an Associate Director, Credit Underwriting Analytics, to help lead our joint borrower installment loan business. In this critical role, the select individual will help grow the newly formed joint loan strategy team. This leader will be responsible for complex end-to-end strategy development focused on how we better serve customers through joint loan offers. The role will provide the opportunity to develop new ways we partner with key business partners to improve the lending process while growing the joint loan business. Working with various partners, this individual will deliver new policies to market, monitoring, and reporting on existing strategies, and partner with technology and marketing to create new functionalities and customer experiences. They will directly impact business processes, policy/product development, revenue growth, and risk management of OneMain’s largest business. A successful candidate will expand their competencies and grow their business and industry acumen, as well as demonstrate the ability to work on complex processes or projects across the end-to-end project lifecycle. They will gain knowledge to suggest new answers to old questions and continue experimenting with new technology to find better ways to provide information delivery throughout the company. In this role: * Develop strong understanding of OMF customer, benefits of lending to two applicants compared to one, underwriting policies, and credit risk * Develop and execute on business requirements to implement credit/business strategies to improve our lending portfolio * Create end-to-end project plans, including design, execution, and testing to ensure projects function as intended with intended business outcomes * Utilize data query tools (i.e., R, SAS, SQL, MATLAB, Python) and/or other analytical techniques and software to develop, test and execute analyses and reporting * Effectively prioritize competing initiatives and share with senior leadership tradeoffs and constraints across various projects * Partner with business leaders and different teams to define priorities, align resources, and communicate progress to executive leadership Requirements * Bachelor’s degree (Graduate Preferred) in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management, or Computer Science is preferred. * 8+ years of experience in a data driven analytics environment; consumer lending, credit cards, or Fintech preferred; PHD degrees may offset experience * Advanced analytical skillset using tools such as SQL, Excel skills required; experience with multiple types of relational databases and/or querying languages is a plus * Innovative and capable of developing a highly analytical approach to solving problems preferably inside consumer lending * Strong communication, interpersonal and negotiation skills to achieve business objectives * Ability to work in fast-paced ever-changing environment and the ability to juggle an array of tasks and individuals on tight timelines Preferred Qualifications: * people management experience Location: Baltimore, MD or New York, NY Who we Are OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we’ve looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we’re committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There’s never been a better time to shine with OneMain. Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That’s why we’ve packed our comprehensive benefits package for full- and some part-timers with: * Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurance * Up to 4% matching 401(k) * Employee Stock Purchase Plan (10% share discount) * Tuition reimbursement * Paid time off (15 days’ vacation per year, plus 2 personal days, prorated based on start date) * Paid sick leave as determined by state or local ordinance, prorated based on start date * Paid holidays (7 days per year, based on start date) * Paid volunteer time (3 days per year, prorated based on start date) Target base salary range is $160k - $180k, which is based on various factors including skills and work experience. In addition to base salary, this role is eligible for a competitive additional compensation program that is based on individual and company performance.

Director, Credit Risk, Liberty Street, New York, NY Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Director, Credit Risk leads the design, implementation, and oversight of risk strategies and governance frameworks for Santander’s consumer lending portfolios. This role is accountable for ensuring credit policy, model governance, and decisioning strategies are effectively aligned with risk appetite and business objectives. The Director partners with teams across Credit Risk, Data Science, Product, and Technology to ensure analytical insights translate into sound portfolio management, profitability, and regulatory compliance. General Responsibilities • Provide strategic leadership in the design and execution of credit risk management frameworks, policies, and decision strategies., • Lead portfolio performance assessment and ensure alignment with risk appetite and business strategy., • Oversee risk analytics, model performance monitoring, and governance of key risk indicators., • Direct the development and enhancement of credit decision engines and automation capabilities in partnership with technology teams., • Engage with executive stakeholders to communicate portfolio trends, risk exposures, and mitigation actions., • Partner with compliance and audit functions to ensure adherence to regulatory standards and internal controls. Implementation Oversight & Governance • The Director oversees the translation of business and risk strategies into operational decision systems and ensures governance of all implementation activities across the credit risk function. This includes leading teams that manage the deployment, testing, and validation of decision engine logic, ensuring the precision, integrity, and compliance of automated decision processes. Strategy Implementation • Oversee the design and translation of business and credit strategies into decision engine configurations and rules logic., • Ensure strategic intent is accurately represented in decision platforms through strong collaboration with Credit Policy, Model Development, Analytics, and Technology teams., • Direct governance reviews of proposed strategy changes to ensure consistency, control, and alignment with Santander’s risk appetite. Testing & Validation • Establish frameworks for testing and validating decision logic, models, and strategy deployments., • Oversee quality assurance processes to verify that system outputs align with approved credit policies and risk frameworks., • Drive post-implementation reviews and ensure corrective actions are identified and executed in a timely manner. Performance Monitoring • Lead ongoing monitoring of decision engine performance, including automation rates, approval trends, and error detection., • Partner with analytics and reporting teams to assess the business impact of strategy adjustments and model-driven decisions., • Use insights from performance tracking to inform continuous improvement and portfolio optimization initiatives. Cross-Functional Collaboration • Coordinate across Risk, Technology, Operations, and Product teams to ensure cohesive delivery of credit risk strategies and system updates., • Lead discussions on platform enhancements and new capabilities to support evolving risk and business needs., • Represent Credit Risk in governance forums, audits, and model validation reviews, ensuring transparent documentation and communication of implementation decisions. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. • Bachelor's Degree in Business, Finance, Computer Science, Engineering, or related field. - Required., • Master's Degree in Business, Finance, Computer Science, Engineering, or related field. - Preferred., • 12+ Years Risk Management, Credit Risk or Internal Audit experience. - Required., • 12+ Years Financial Industry experience. - Required., • 12+ Years Consulting - Preferred., • 3+ Years Experience in software testing or quality assurance roles. Required, • Experience with decision engines such as FICO , Experian PowerCurve, or Provenir., • Advanced understanding of consumer credit risk, models, lending policies, and/or financial products., • Extensive experience working in a financial institution or fintech environment., • Strong analytical and problem-solving skills with attention to detail., • Strong Proficiency in Excel; familiarity with SQL, Python, or other analytics tools is a plus., • Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense., • Strong risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment., • Ability to direct, train and guide peers, subordinates and management., • Ability to strategically generate well supported conclusions based on trend analysis, credit risk due diligence performed, understanding of the Banks risk appetite and assessment of managements capabilities., • Ability to effectively interact and communicate with senior management across the enterprise., • Excellent written and verbal communication skills. Preferred Skills: • Exposure to agile delivery environments and product/strategy deployment cycles., • Understanding of model-driven decisioning and A/B testing frameworks. Certifications: • No Certifications listed for this job. It Would Be Nice For You To Have: • Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education., • Experience in Microsoft Office products. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum: $135,000.00 USD Maximum: $240,000.00 USD Link to Santander Benefits: Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at ___ to discuss your needs. Primary Location: New York, NY, New York Other Locations: New York-New York Organization: Santander Bank N.A.

Position Type: Regular Our branch network is part of the broader Investor Services organization and is primarily responsible for providing advice and counsel to individuals and families with their financial needs, including retirement planning, educational planning, investment management, estate planning, active investing, managed banking, and lending needs. To learn more about our client offerings visit:______. We place a premium on high performance, quality service and the ability to execute the Schwab strategy. Essential skills include: • Bachelor’s degree or equivalent work-related experience, • A valid and active Series 7 license required, • A valid and active Series 66 (63/65) license required (may be obtained within a 120 day condition of employment), • A valid and active Life and Health Insurance license is required (may be obtained within a 120 day condition of employment), • Certified Financial Planner (CFP) certification is preferred, • Minimum of two years of experience in the financial services industry (required), • Financial business development experience (highly preferred), • Knowledge of brokerage/banking products and services At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact. We offer a competitive ___ that takes care of the whole you – both today and in the future: • 401(k) with company match and Employee stock purchase plan, • Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions, • Paid parental leave and family building benefits, • Tuition reimbursement, • Health, dental, and vision insurance

We’re Tend — Dental Done Differently. Tend was founded to make going to the dentist something people actually look forward to. We blend thoughtfully designed studios, top-tier clinical care, advanced technology, and a hospitality-driven mindset to create a dental experience that’s human, personalized, and exceptional from start to finish. Since launching in 2019, we’ve delivered care to over 100,000 patients across New York, Washington DC, Boston, Atlanta, and Nashville. With thousands of five-star reviews and over 650 passionate team members, Tend is one of the fastest-growing and highest-rated dental brands in the country — and we’re just getting started. Whether you’re delivering care in our studios or supporting our growth behind the scenes, every role at Tend contributes to reimagining the future of dental health — for patients and for the people who care for them. We’re growing fast — and we’re looking for values-driven, mission-aligned talent to grow with us. At Tend, we do dentistry differently — without compromising on excellence or ambition. As an Associate Dentist at Tend, you’ll deliver best-in-class clinical care in a modern, thoughtfully designed studio. You’ll be busy from day one, treating a well-booked schedule of patients and full-scope operative cases with the support of an experienced clinical and operational team. Our model is built for driven dentists: those who want to grow clinically, take on complex cases, and be rewarded for high performance. You’ll be part of a collaborative, energized team that’s raising the bar for dentistry — and having fun doing it. We offer a daily guarantee and monthly bonus based on adjusted production. Tend Associate Dentists earn 30-35% of their adjusted production. You’ll receive transparency and support to help you thrive — no surprises, just opportunity. What You’ll Do • Deliver a full spectrum of high‑quality clinical services—from fillings, inlays/onlays, crowns, root canals, extractions, orthodontics (traditional braces & Invisalign®), TMJ injectables, and implants to cosmetic procedures like veneers, professional whitening, and emergency visits—leveraging Tend’s state‑of‑the‑art digital workflows and high‑throughput studio model, • Perform thorough exams, develop comprehensive treatment plans, and educate patients on optimal oral health and procedural choices, • Lead and manage multiple treatment rooms and maintain a dynamic, productive schedule—balancing hygiene checks, operative care, same‑day treatment, and emergency visits, • Drive production by proactively identifying and completing full treatment plans, optimizing chair time, and delivering care efficiently without sacrificing quality, • Lead and mentor dental assistants and collaborate closely with hygienists to ensure seamless patient care and clinical excellence, • Partner with studio managers and operational leaders to hit production goals, uphold clinical standards, and continuously refine studio workflow You embody our Tend values and demonstrate key competencies that ensure both patient success and team excellence. At Tend, these values aren’t just words on a wall — they are essential to how we hire, lead, and collaborate. Every dentist and team member is expected to show up with a mindset grounded in our mission, vision, and values. This is what drives our culture, our clinical standards, and the patient experience we’re proud to deliver every day. Tend Values: • Tend to Others – Deliver outstanding oral health outcomes and patient experiences. You put the team and patient first, even in fast-paced settings., • Be Brave Enough to Lead – Act with integrity and take initiative to solve problems, coach others, and raise the bar., • Savor the Ride – Celebrate wins, stay resilient in challenging moments, and bring positivity to the workplace., • Embrace Our Differences – Welcome and value diverse backgrounds, ideas, and feedback. Communicate with respect and trust., • Earn and Give Trust – Earn the confidence of patients and teammates through honesty, transparency, and follow-through., • Lead with Clinical Judgement – Make sound clinical decisions grounded in data, evidence, and patient needs., • DDS or DMD degree from an accredited dental school, • Current, active dental license in the state you’re applying for, • Current CPR/BLS certification, • Active DEA registration, • Minimum 2 years of experience (post residency) in private practice, DSO, or similar setting, • Comfort with modern technology and a willingness to adopt digital workflows, • Invisalign certification, • Ability to sit and stand for extended periods while performing clinical procedures., • Manual dexterity and fine motor skills to handle dental instruments and perform precise procedures., • Adequate vision (with or without correction) to read charts, interpret radiographs, and operate clinical equipment., • Ability to bend, reach, and maintain ergonomic positioning for patient care., • Occasional lifting or movement of equipment and supplies up to 25 pounds. What We Offer We believe taking care of people starts with taking care of our own. Here’s how we’ve got you covered at Tend: • 🦷 Dentist Equity & Partnership – Opportunity to invest alongside Tend and share in our growth, • 🌴 Time to Recharge - Enjoy Paid Time Off (PTO) — because rest is productive., • 🎓 CE & Professional Development – Virtual and in-person CE opportunities and internal clinical forums, • 🛡️ Malpractice Insurance – Full coverage provided at no cost to you, • 🩺 Health Comes First – Medical, dental, and vision insurance — plus our own Dental Wellness Program, • 💰 Plan for the Future – 401(k) with company match to help you grow your nest egg, • 💡 Support, When You Need It – Life & AD&D insurance, legal support, EAP, and health advocacy, • 🛍️ Smart Spending Options – FSAs, HSAs, and pre-tax transit and parking benefits #LI-Onsite Pay Range $151,000—$325,000 USD The Tend Difference The highest standard of care, anywhere. At Tend, you’ll work alongside esteemed clinical leaders and experience-obsessed colleagues to deliver care that’s not only top-tier — it’s unforgettable. With access to advanced technology and thoughtfully designed studios, you’ll help create dental experiences that patients actually look forward to. Our hospitality-driven approach makes every visit feel personal, warm, and empowering. A top-tier clinical team who puts patients first. We value science over sales and lead with empathy, transparency, and integrity. There are no production quotas here — just a shared commitment to doing what’s right for our patients. We foster a collaborative, inclusive culture where team members go the extra mile for each other and for every patient who walks through our doors. Innovate Dentistry. Tend to Others. Grow Together. Tend is redefining what it means to grow a career in dentistry. We offer a modern, patient-first environment backed by cutting-edge tools and systems, industry-leading compensation and benefits, and robust opportunities for continuing education and professional development. Whether you’re clinical or corporate, you’ll be part of something meaningful — and surrounded by people who care. Tend is an Equal Opportunity Employer. We’re committed to fostering a workplace where everyone feels seen, heard, and supported. Tend does not discriminate based on race, color, religion, sex, national origin, age, disability, genetics, gender identity or expression, sexual orientation, veteran status, or any other protected status in accordance with applicable federal, state, and local laws. This policy applies to all aspects of employment, including recruitment, hiring, promotion, compensation, benefits, and termination. Legal and Compliance Notice: Tend complies with all applicable federal, state, and local laws governing nondiscrimination, equal employment opportunity, pay transparency, and other employment-related requirements. Where specific state disclosures or postings are required by law, we provide this information as part of our hiring process or upon request. Your privacy matters. To learn more about how we collect, use, and protect your information, please review our privacy policy ___.

Overview: Why Choose Metro? For over thirty years, Metro Therapy, Inc (a Powerback Rehabilitation company) has been serving the educational and developmental needs of the pediatric populations throughout the greater New York city area. Metro is proud of our dedication to the community and committed to bringing new, insightful knowledge that will allow us to provide the best services to our clients. We provide employees with comprehensive benefits and compensation, access to clinical support teams, and career growth opportunities. We offer: Flexible scheduling Benefits for full time and part time team members (not applicable for 1099) Part time preferred hours or full time hours Access to clinical support teams Training workshops for which professional development credit may be earned Pay commensurate with experience Responsibilities and Duties Provide developmentally and educationally based intervention to improve safety and independence Data input into secure, computerized systems for reports and billing Job Types: Contract Pay: $70.00 - $90.00 per hour Expected hours: FLEXIBLE Responsibilities: The Occupational Therapist, Early Intervention provides and directs occupational therapy services to children aged birth to three, including assessment, treatment, program planning and implementation, related documentation, and communication. Functions under physician’s orders. RESPONSIBILITIES/ACCOUNTABILITIES: Provides occupational therapy services to children as outlined in their treatment plan and initiates referrals when appropriate and in accordance with Bureau of Early Intervention procedures. Performs annual and six month evaluations and plan reviews to determine the need for continued intervention and treatment and updates to the IFSP. Produces discharge reports in advance of reaching age-out of Early Intervention to assist with the transition process, or as required at discharge from caseload. Interprets and communicates evaluation findings to parents and other treatment team members. Establishes treatment schedule and provides frequency of services as determined by the IFSP. Communicates and documents changes to IFSP as needed. Participates in co-treatment or IFSP consultation with other treatment team members to ensure coordination of patient care. Develops appropriate home or community programming to maintain and enhance the development of the child across therapeutic environments. Documents results of the child’s assessment, treatment, follow-up, and termination of services. Adapts treatment plans to meet the individual needs of the child. Provides, recommends, and fabricates adaptive devices or other equipment and trains parents and caregivers in the use or application of orthotics or other devices. Supervises students and provides mentorship, as needed. Reviews the quality and appropriateness of the services delivered and of individual occupational therapy programs for effectiveness and efficiency, using predetermined criteria. Participates in family and caregiver education to discuss the client’s progress and strategies for continued support. Attends pediatric team meetings as required. Consistently demonstrates sound judgment in the evaluation, planning, implementation and follow-up of resident therapy programs. Communicates with management regarding caseload status and capacity for new referrals. Provides timely services according to frequency determined by each child’s IFSP. Performs other duties as assigned. Qualifications: Appropriate State License Posted Salary Range: USD $70.00 - USD $90.00 /Hr.

We’re Tend — Dental Done Differently. Tend was founded to make going to the dentist something people actually look forward to. We blend thoughtfully designed studios, top-tier clinical care, advanced technology, and a hospitality-driven mindset to create a dental experience that’s human, personalized, and exceptional from start to finish. Since launching in 2019, we’ve delivered care to over 100,000 patients across New York, Washington DC, Boston, Atlanta, and Nashville. With thousands of five-star reviews and over 650 passionate team members, Tend is one of the fastest-growing and highest-rated dental brands in the country — and we’re just getting started. Whether you’re delivering care in our studios or supporting our growth behind the scenes, every role at Tend contributes to reimagining the future of dental health — for patients and for the people who care for them. We’re growing fast — and we’re looking for values-driven, mission-aligned talent to grow with us. As a Dental Hygienist at Tend, you’ll deliver top-tier preventive care in a modern, thoughtfully designed studio — with the support of a dedicated dental assistant through our Team (Assisted) Hygiene model. You’ll treat a well-booked schedule of patients with the tools, systems, and support you need to deliver clinical excellence and outstanding patient experiences. At Tend, we’re committed to fostering a diverse, inclusive environment where both our patients and our teams feel respected, represented, and truly cared for. Our model is built for driven hygienists: those who value autonomy, crave efficiency, and take pride in high-performance care. We offer a competitive hourly rate and monthly bonus based on production with top earning Hygienists making an additional $10/hr in bonus. You’ll receive transparency and support to help you thrive — no surprises, just opportunity. What You’ll Do • Deliver comprehensive preventive and periodontal care — including prophylaxis, periodontal maintenance, scaling and root planing (SRP), gingivitis scaling, oral cancer screenings, Itero scan, sealants, Zoom whitening, Perio Protect, Curodont, fluoride treatments, and patient education — all in alignment with evidence-based clinical guidelines, • Collaborate with a dedicated dental assistant to optimize your schedule, manage sterilization and room turnover, and support patient care and documentation, • Partner with dentists for hygiene exams to identify and recommend treatment plans based on patient needs, • Proactively drive hygiene production by maximizing chair time, recommending preventive care, and supporting same-day treatment opportunities, • Maintain strong relationships with patients through clear communication, trust-building, and personalized education, • Collaborate closely with the broader studio team — including doctors, assistants, and operations leaders — to ensure seamless patient care You embody our Tend values and demonstrate key competencies that ensure both patient success and team excellence. At Tend, these aren’t just words on a wall — they’re how we hire, lead, and grow. Tend Values • Tend to Others – Deliver exceptional patient experiences and team collaboration, • Be Brave Enough to Lead – Take initiative to solve problems and improve clinical care, • Savor the Ride – Celebrate wins and stay positive in a fast-paced environment, • Embrace Our Differences – Communicate with respect and value diverse perspectives, • Earns Trust – Earn patient and team confidence through honesty and follow-through, • Works Together – Works fluidly across roles and functions to ensure excellent care, • Degree from an accredited dental hygiene program, • Current, active hygiene license in the state you’re applying for, • Current Anesthesia/ Nitrous license in applicable state, • Current CPR/BLS certification, • Comfort with digital charting and x-rays, intraoral cameras, and technology-driven care, • Ability to sit and stand for extended periods while performing hygiene procedures., • Manual dexterity and fine motor skills to handle instruments, perform scaling and polishing, and operate clinical equipment., • Adequate vision (with or without correction) to read charts, assess oral conditions, interpret radiographs, and document findings., • Ability to bend, reach, and maintain ergonomic positioning for patient care throughout the day., • Occasional lifting or movement of equipment, instrument trays, and supplies up to 25 pounds., • Ability to communicate effectively and compassionately with patients, team members, and other healthcare professionals in person and via technology. What We Offer We believe taking care of people starts with taking care of our own. Here’s how we’ve got you covered at Tend: • 🦷 Assisted Hygiene – A dental assistant to support your patient flow and prep, • 🎓 CE & Professional Development – Virtual and in-person learning opportunities, • 🛡️ Malpractice Insurance – Full coverage provided, • 🩺 Health Comes First – Medical, dental, and vision insurance — plus our own Dental Wellness Program, • 🌴 Time to Recharge - Enjoy generous Paid Time Off (PTO) and company holidays — because rest is productive., • 💰 Plan for the Future – 401(k) with company match, • 💡 Support, When You Need It – Life & AD&D insurance, EAP, legal support, and more, • 🛍️ Smart Spending Options – FSAs, HSAs, and pre-tax transit benefits #LI-Onsite Pay Range $52—$63 USD The Tend Difference The highest standard of care, anywhere. At Tend, you’ll work alongside esteemed clinical leaders and experience-obsessed colleagues to deliver care that’s not only top-tier — it’s unforgettable. With access to advanced technology and thoughtfully designed studios, you’ll help create dental experiences that patients actually look forward to. Our hospitality-driven approach makes every visit feel personal, warm, and empowering. A top-tier clinical team who puts patients first. We value science over sales and lead with empathy, transparency, and integrity. There are no production quotas here — just a shared commitment to doing what’s right for our patients. We foster a collaborative, inclusive culture where team members go the extra mile for each other and for every patient who walks through our doors. Innovate Dentistry. Tend to Others. Grow Together. Tend is redefining what it means to grow a career in dentistry. We offer a modern, patient-first environment backed by cutting-edge tools and systems, industry-leading compensation and benefits, and robust opportunities for continuing education and professional development. Whether you’re clinical or corporate, you’ll be part of something meaningful — and surrounded by people who care. Tend is an Equal Opportunity Employer. We’re committed to fostering a workplace where everyone feels seen, heard, and supported. Tend does not discriminate based on race, color, religion, sex, national origin, age, disability, genetics, gender identity or expression, sexual orientation, veteran status, or any other protected status in accordance with applicable federal, state, and local laws. This policy applies to all aspects of employment, including recruitment, hiring, promotion, compensation, benefits, and termination. Legal and Compliance Notice: Tend complies with all applicable federal, state, and local laws governing nondiscrimination, equal employment opportunity, pay transparency, and other employment-related requirements. Where specific state disclosures or postings are required by law, we provide this information as part of our hiring process or upon request. Your privacy matters. To learn more about how we collect, use, and protect your information, please review our privacy policy ___.

We’re Tend — Dental Done Differently. Tend was founded to make going to the dentist something people actually look forward to. We blend thoughtfully designed studios, top-tier clinical care, advanced technology, and a hospitality-driven mindset to create a dental experience that’s human, personalized, and exceptional from start to finish. Since launching in 2019, we’ve delivered care to over 100,000 patients across New York, Washington DC, Boston, Atlanta, and Nashville. With thousands of five-star reviews and over 650 passionate team members, Tend is one of the fastest-growing and highest-rated dental brands in the country — and we’re just getting started. Whether you’re delivering care in our studios or supporting our growth behind the scenes, every role at Tend contributes to reimagining the future of dental health — for patients and for the people who care for them. We’re growing fast — and we’re looking for values-driven, mission-aligned talent to grow with us. As a Lead Dental Hygienist at Tend, you’ll do more than deliver top-tier preventive care — you’ll also set the standard for hygiene excellence in your studio. You’ll model best practices for patient care, mentor and coach fellow hygienists and hygiene assistants, and collaborate with dentists and operations leaders to drive both clinical and business success. You’ll still treat a well-booked schedule of patients in our Team (Assisted) Hygiene model, while also guiding protocols, training, and continuous improvement for the hygiene team. At Tend, we’re committed to fostering a diverse, inclusive environment where both our patients and our teams feel respected, represented, and truly cared for. Our model is built for driven hygienist leaders: those who value autonomy, inspire others, and take pride in building a culture of high-performance care. We offer a competitive hourly rate with top earning Lead Hygienists making an additional $10/hr in bonus. You’ll receive transparency and support to help you thrive — no surprises, just opportunity. What You’ll Do • Deliver comprehensive preventive and periodontal care — including prophylaxis, periodontal maintenance, scaling and root planing (SRP), gingivitis scaling, oral cancer screenings, Itero scans, sealants, Zoom whitening, Perio Protect, Curodont, fluoride treatments, and patient education — all in alignment with evidence-based clinical guidelines, • Provide leadership and mentorship to hygienists and hygiene assistants, setting expectations, coaching performance, and ensuring adherence to Tend’s clinical standards, • Collaborate with dental assistants to optimize studio-wide hygiene flow, sterilization protocols, and room turnover efficiency, • Partner with dentists on exams and treatment planning, reinforcing comprehensive care and seamless handoffs for patients, • Proactively drive hygiene production across the team by identifying opportunities, supporting same-day treatment acceptance, and monitoring key metrics, • Lead regular hygiene team meetings, provide feedback, and champion CE opportunities and professional development for the hygiene team, • Partner closely with studio managers and doctors to ensure the hygiene department is meeting patient care, quality, and business objectives You embody our Tend values and elevate them as a leader — setting the example for patients, teammates, and the hygiene team. Tend Values • Tend to Others – Foster exceptional patient experiences and a collaborative team culture, • Be Brave Enough to Lead – Model integrity and accountability, and empower others to do the same, • Savor the Ride – Celebrate wins, bring positivity, and keep the team motivated in a fast-paced environment, • Embrace Our Differences – Promote inclusivity and respect in every interaction, creating a safe space for patients and teammates, • Builds Trust & Inspires Confidence – Earns confidence from patients and teammates by modeling honesty, authenticity, and clinical excellence, • Leads Collaboration – Unites roles and functions across the studio to elevate patient care and team performance, • Degree from an accredited dental hygiene program, • Current, active hygiene license in the state you’re applying for, • Current Anesthesia/Nitrous license in applicable state, • Current CPR/BLS certification, • Prior leadership, mentorship, or training experience in a hygiene setting preferred, • Comfort with digital charting and x-rays, intraoral cameras, and technology-driven care, • Ability to model accountability, give feedback, and support teammates in their professional growth This position requires the ability to perform the essential job duties listed, with or without reasonable accommodation: • Ability to sit and stand for extended periods while performing hygiene procedures and coaching team members, • Manual dexterity and fine motor skills to handle instruments, perform scaling and polishing, and operate clinical equipment, • Adequate vision (with or without correction) to read charts, assess oral conditions, interpret radiographs, and document findings, • Ability to bend, reach, and maintain ergonomic positioning for patient care throughout the day, • Occasional lifting or movement of equipment, instrument trays, and supplies up to 25 pounds, • Ability to communicate effectively and compassionately with patients, team members, and other healthcare professionals in person and via technology We believe taking care of people starts with taking care of our own. Here’s how we’ve got you covered at Tend: 🦷 Assisted Hygiene – A dental assistant to support your patient flow and prep 🎓 CE & Professional Development – Virtual and in-person learning opportunities, with added leadership training for Leads 🛡️ Malpractice Insurance – Full coverage provided 🩺 Health Comes First – Medical, dental, and vision insurance — plus our own Dental Wellness Program 🌴 Time to Recharge – Generous Paid Time Off (PTO) and company holidays — because rest is productive 💰 Plan for the Future – 401(k) with company match 💡 Support, When You Need It – Life & AD&D insurance, EAP, legal support, and more 🛍️ Smart Spending Options – FSAs, HSAs, and pre-tax transit benefits Pay Range $56—$59 USD The Tend Difference The highest standard of care, anywhere. At Tend, you’ll work alongside esteemed clinical leaders and experience-obsessed colleagues to deliver care that’s not only top-tier — it’s unforgettable. With access to advanced technology and thoughtfully designed studios, you’ll help create dental experiences that patients actually look forward to. Our hospitality-driven approach makes every visit feel personal, warm, and empowering. A top-tier clinical team who puts patients first. We value science over sales and lead with empathy, transparency, and integrity. There are no production quotas here — just a shared commitment to doing what’s right for our patients. We foster a collaborative, inclusive culture where team members go the extra mile for each other and for every patient who walks through our doors. Innovate Dentistry. Tend to Others. Grow Together. Tend is redefining what it means to grow a career in dentistry. We offer a modern, patient-first environment backed by cutting-edge tools and systems, industry-leading compensation and benefits, and robust opportunities for continuing education and professional development. Whether you’re clinical or corporate, you’ll be part of something meaningful — and surrounded by people who care. Tend is an Equal Opportunity Employer. We’re committed to fostering a workplace where everyone feels seen, heard, and supported. Tend does not discriminate based on race, color, religion, sex, national origin, age, disability, genetics, gender identity or expression, sexual orientation, veteran status, or any other protected status in accordance with applicable federal, state, and local laws. This policy applies to all aspects of employment, including recruitment, hiring, promotion, compensation, benefits, and termination. Legal and Compliance Notice: Tend complies with all applicable federal, state, and local laws governing nondiscrimination, equal employment opportunity, pay transparency, and other employment-related requirements. Where specific state disclosures or postings are required by law, we provide this information as part of our hiring process or upon request. Your privacy matters. To learn more about how we collect, use, and protect your information, please review our privacy policy ___.

Overview: Why Choose Metro? For over thirty years, Metro Therapy, Inc (a Powerback Rehabilitation company) has been serving the educational and developmental needs of the pediatric populations throughout the greater New York city area. Metro is proud of our dedication to the community and committed to bringing new, insightful knowledge that will allow us to provide the best services to our clients. We provide employees with comprehensive benefits and compensation, access to clinical support teams, and career growth opportunities. Seeking experienced professionals to work with our youngest population! We offer: Flexible scheduling Benefits for full time and part time team members (not applicable for 1099) Part time preferred hours or full time hours Access to clinical support teams Training workshops for which professional development credit may be earned Pay commensurate with experience Responsibilities and Duties Provide developmentally and educationally based intervention to improve safety and independence Data input into secure, computerized systems for reports and billing Job Types: Contract Pay: $70.00 - $90.00 per hour Expected hours: FLEXIBLE . Responsibilities: The Physical Therapist, Early Intervention provides and directs physical therapy services to children aged birth to three, including assessment, treatment, program planning and implementation, related documentation, and communication. RESPONSIBILITIES/ACCOUNTABILITIES: Provides physical therapy services to children as outlined in their treatment plan and initiates referrals when appropriate and in accordance with Bureau of Early Intervention procedures. Conducts evaluations annually and performs six-month reviews of IFSPs to determine the need for intervention and treatment and produce IFSP goals. Produces discharge reports in advance of reaching age-out of Early Intervention to assist with the transition process, or as required at discharge. Interprets and communicates evaluation findings to parents and other treatment team members. Establishes treatment schedule and provides frequency of services as determined by IFSP plan. Communicates and documents changes to IFSP as needed. Participates in co-treatment or IFSP consultation with other treatment team members to ensure coordination of patient care. Develops appropriate home or community programming to maintain and enhance the development of the child across therapeutic environments. Documents results of the child’s assessment, treatment, follow-up and termination of services. Adapts treatment plans, as needed to meet the individual needs of the child. Provides, recommends, and fabricates adaptive devices or other equipment and trains parents and caregivers in the appropriate use or application of orthotics. Supervises students and provides mentorship, as needed. Reviews the quality and appropriateness of services delivered and of individual physical therapy programs for effectiveness and efficiency, using predetermined criteria. Participates in family and caregiver education to discuss the client’s progress and strategies for continued support. Communicates with management regarding caseload status and capacity for new referrals. Provides timely services according to frequency determined by each child’s IFSP. Performs other duties as assigned. Qualifications: Appropriate State License Posted Salary Range: USD $70.00 - USD $90.00 /Hr.

Overview Provides and coordinates post-orientation field support and skills development activities to support the onboarding of newly-hired RNs and LPNs during their transition to VNS Health; provides similar support to incumbent staff, as needed. Works under general supervision. • Acts as a preceptor for newly hired field RNs and LPNs, giving individualized instruction and guidance during the onboarding period as well as providing field support to incumbent clinicians as identified by management., • Provides ongoing feedback to branch management regarding individual nurse’s learning progress and performance. Uses a variety of tools, e.g., Field visit tool evaluation, record review, employee assessment, skills checklist, milestones, etc., to identify, document and address orientation, performance, learning progress, and ongoing needs to inform manager about employee’s coaching and supervision needs during and post-onboarding.., • Conducts/facilitates/participates in regularly scheduled preceptor team meetings that are focused, productive, promote ‘consensus’ decision-making and enables the team to achieve desired performance results. Utilizes a variety of effective communication skills/tools to foster/elicit active team participation and information exchange at meetings., • Supports the knowledge and skills development of new RNS and LPNs, individually and in small groups including but not limited to documentation, case management, clinical skills, patient/family-centered care, reimbursement, time management, customer experience, etc., • Demonstrates and reviews specific procedures with RNs and LPNs, individually and as a group, as needed. Makes joint visits with field clinicians to observe and instruct in current/new techniques/ procedures/treatments and overall assessments in alignment with VNS Health policies and procedures. Assignments require visits in multiple regions., • Provides nursing care in accordance with VNS Health policies, practices, procedures and Standards of Nursing Practice., • Acts as a subject matter expert to staff for information concerning patient care., • Conforms to established work procedures in relation to regional/ program workflow., • Understands/interprets/disseminates the VNS Health reimbursement policy to staff in consult with supervisor or other staff and assists staff in identifying billing sources for patient care., • Participates in selected student programs to enhance/increase professional knowledge and to provide training/guidance to staff., • Participates in selected activities to various community audiences in conjunction with clinical operations., • Provides input and feedback for continuous improvement of the onboarding process for new RNs and LPNs and learning/education needs for incumbent staff., • Assumes responsibility for personal professional growth through attendance at in-services, internal and external training/workshops/conferences select journal readership and continued formal education., • Travels to patients’ homes and/or other facilities with varying environments (e.g., elevated buildings, walk-ups, care facilities, single/multiple family homes, presence of pets, etc.) using approved transportation options to deliver direct care to patients. Provides preceptor support across regions based on operational need., • Transports and utilizes required medical equipment and supplies using VNS Health designated/supplied carrying case weighing approximately 25 – 30 lbs. to and from patient homes/care facilities, VNS Health offices and other locations., • Provides support to clinicians as they develop the skills to safely assist patients with activities of daily living, which may require positioning, moving, transferring and lifting patients of varying weights and physical conditions, with and without assistance and as appropriate, from family members and/or paraprofessionals., • Participates in special projects and performs other duties as assigned. Qualifications Licenses and Certifications: A license and current registration to practice as a Registered Professional Nurse in New York State required Valid driver's license required OASIS certification preferred Wound Care Certification or willingness to obtain within one year of hire required Certification in Hospice and Palliative Care Nursing preferred Education: Bachelor's Degree in Nursing OR Associate’s degree in Nursing required Work Experience: Four years’ clinical home care experience required Minimum of two years full-time clinical home care experience required Minimum of one year of experience as a field staff nurse in VNS Health Home Care, which includes ability to manage/document cases with a minimum of supervision, identify/assess/formulate/implement action plan to address problem and evaluate outcome preferred Joint visits with other nursing staff to demonstrate new techniques preferred Four years' clinical hospice experience or clinical home care experience preferred Minimum of two years' full-time clinical hospice or home care experience preferred Pay Range USD $119,258.00 - USD $145,458.00 /Yr. About Us VNS Health is one of the nation’s largest nonprofit home and community-based health care organizations. Innovating in health care for more than 130 years, our commitment to health and well-being is what drives us — we help people live, age and heal where they feel most comfortable, in their own homes, connected to their family and community. On any given day, more than 10,000 VNS Health team members deliver compassionate care, unparalleled expertise and 24/7 solutions and resources to the more than 43,000 “neighbors” who look to us for care. Powered and informed by data analytics that are unmatched in the home and community-health industry, VNS Health offers a full range of health care services, solutions and health plans designed to simplify the health care experience and meet the diverse and complex needs of the communities and people we serve in New York and beyond.

We’re Tend — Dental Done Differently. Tend was founded to make going to the dentist something people actually look forward to. We blend thoughtfully designed studios, top-tier clinical care, advanced technology, and a hospitality-driven mindset to create a dental experience that’s human, personalized, and exceptional from start to finish. Since launching in 2019, we’ve delivered care to over 100,000 patients across New York, Washington DC, Boston, Atlanta, and Nashville. With thousands of five-star reviews and over 650 passionate team members, Tend is one of the fastest-growing and highest-rated dental brands in the country — and we’re just getting started. Whether you’re delivering care in our studios or supporting our growth behind the scenes, every role at Tend contributes to reimagining the future of dental health — for patients and for the people who care for them. We’re growing fast — and we’re looking for values-driven, mission-aligned talent to grow with us. As a Dental Assistant at Tend, you’ll play a vital role in delivering a seamless, patient-first experience in a modern and innovative dental studio. You’ll provide chairside support for a wide range of procedures, maintain sterilization and safety protocols, and help keep the flow of the studio running smoothly. Our model is built for driven dental assistants: those who want to grow clinically, collaborate with an energized team, and be rewarded for high performance. You’ll be part of a supportive, growth-minded culture that’s raising the bar for dentistry — and having fun doing it. What You’ll Do • Deliver outstanding chairside support to dentists and hygienists across a variety of procedures, • Prepare and maintain treatment rooms, instruments, and equipment, following OSHA and CDC infection control standards, • Ensure patients feel comfortable, informed, and cared for throughout their visit, • Anticipate the needs of providers and teammates to keep studio flow efficient and effective, • Collaborate with your team to hit studio performance goals while maintaining the highest standards of patient care You embody our Tend values and demonstrate key competencies that ensure both patient success and team excellence. At Tend, these values aren’t just words on a wall — they are essential to how we hire, lead, and collaborate. Every Dental Assistant is expected to show up with a mindset grounded in our mission, vision, and values. This is what drives our culture, our clinical standards, and the patient experience we’re proud to deliver every day. Tend Values: • Tend to Others – Deliver outstanding patient care and seamless chairside support. You put the patient and your team first, anticipating needs in fast-paced settings., • Be Brave Enough to Lead – Act with integrity and take initiative to solve problems, uphold safety standards, and raise the bar for studio excellence., • Savor the Ride – Celebrate wins, stay resilient in busy or challenging moments, and bring positivity to the workplace., • Embrace Our Differences – Welcome and value diverse backgrounds, ideas, and feedback. Communicate with empathy, respect, and trust., • Adapt in the Moment – Stay flexible and positive when schedules shift, patients need extra reassurance, or priorities change unexpectedly., • Contribute to Team Success – Work seamlessly with dentists, hygienists, and teammates, sharing knowledge and supporting others to meet shared goals., • All state-required certifications, registrations, or licenses for dental assistants, • Current CPR/BLS certification, • Demonstrated chairside knowledge and patient care skills, • Strong communication and interpersonal abilities, • Adaptability to new technologies and workflows in a modern studio environment, • Excitement about contributing to a collaborative, high-performing team This position requires the ability to perform the essential job duties listed, with or without reasonable accommodation: • Ability to sit and stand for extended periods while assisting with dental procedures, • Manual dexterity and fine motor skills to handle dental instruments precisely, • Adequate vision (with or without correction) to read charts, interpret radiographs, and operate clinical equipment, • Ability to bend, reach, and maintain ergonomic positioning for patient care, • Occasional lifting or movement of equipment and supplies up to 25 pounds What We Offer We believe taking care of people starts with taking care of our own. Here’s how we’ve got you covered at Tend: 🌴 Time to Recharge – Enjoy Paid Time Off (PTO) — because rest is productive. 🩺 Health Comes First – Medical, dental, and vision insurance — plus our own Dental Wellness Program. 💰 Plan for the Future – 401(k) with company match to help you grow your nest egg. 🎓 Learning & Development – Ongoing training, mentorship, and CE opportunities. 🛡️ Peace of Mind – Life & AD&D insurance, disability coverage, and health advocacy resources. 🛍️ Smart Spending Options – FSAs, HSAs, and pre-tax transit and parking benefits. 💡 Support, When You Need It – Employee Assistance Program (EAP) and other resources for personal well-being. #LI-Onsite Pay Range $23—$28 USD The Tend Difference The highest standard of care, anywhere. At Tend, you’ll work alongside esteemed clinical leaders and experience-obsessed colleagues to deliver care that’s not only top-tier — it’s unforgettable. With access to advanced technology and thoughtfully designed studios, you’ll help create dental experiences that patients actually look forward to. Our hospitality-driven approach makes every visit feel personal, warm, and empowering. A top-tier clinical team who puts patients first. We value science over sales and lead with empathy, transparency, and integrity. There are no production quotas here — just a shared commitment to doing what’s right for our patients. We foster a collaborative, inclusive culture where team members go the extra mile for each other and for every patient who walks through our doors. Innovate Dentistry. Tend to Others. Grow Together. Tend is redefining what it means to grow a career in dentistry. We offer a modern, patient-first environment backed by cutting-edge tools and systems, industry-leading compensation and benefits, and robust opportunities for continuing education and professional development. Whether you’re clinical or corporate, you’ll be part of something meaningful — and surrounded by people who care. Tend is an Equal Opportunity Employer. We’re committed to fostering a workplace where everyone feels seen, heard, and supported. Tend does not discriminate based on race, color, religion, sex, national origin, age, disability, genetics, gender identity or expression, sexual orientation, veteran status, or any other protected status in accordance with applicable federal, state, and local laws. This policy applies to all aspects of employment, including recruitment, hiring, promotion, compensation, benefits, and termination. Legal and Compliance Notice: Tend complies with all applicable federal, state, and local laws governing nondiscrimination, equal employment opportunity, pay transparency, and other employment-related requirements. Where specific state disclosures or postings are required by law, we provide this information as part of our hiring process or upon request. Your privacy matters. To learn more about how we collect, use, and protect your information, please review our privacy policy ___.

Overview Oversees the clinical, financial, and quality operations and administration of a designated branch in accordance with VNS Health policies, procedures and standards of practice. Is also responsible for ensuring compliance with all applicable government regulations. Works under general direction. Licenses and Certifications: License and current registration to practice as a Registered Professional Nurse in New York State Required Education: Bachelor's Degree or Master’s degree in Nursing or equivalent work experience Required Work Experience: Minimum of six years of nursing experience in community health Required Minimum of two years managerial experience Required Prior utilization management or care management experience Required Thorough knowledge of home care regulations and clinical practice Required Knowledge of training and adult learning techniques Preferred Effective oral/written communication and organizational skills Required Proficient with personal computers, including MS Word, Excel Required Pay Range USD $58.30 - USD $77.72 /Hr. About Us VNS Health is one of the nation’s largest nonprofit home and community-based health care organizations. Innovating in health care for more than 130 years, our commitment to health and well-being is what drives us — we help people live, age and heal where they feel most comfortable, in their own homes, connected to their family and community. On any given day, more than 10,000 VNS Health team members deliver compassionate care, unparalleled expertise and 24/7 solutions and resources to the more than 43,000 “neighbors” who look to us for care. Powered and informed by data analytics that are unmatched in the home and community-health industry, VNS Health offers a full range of health care services, solutions and health plans designed to simplify the health care experience and meet the diverse and complex needs of the communities and people we serve in New York and beyond.

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Director, Offers Partnerships and Product Who is Mastercard? Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all. Overview Within Mastercard Services, our Customer Acquisition & Engagement business drives profitable business growth and maximizes customer lifetime value by transforming routine interactions into lasting relationships. We leverage our unique advantages in data, personalization, incentives, and optimization, in addition to our global expertise and scale, to efficiently acquire high value new customers, drive engagement and desired behaviors, and build customer loyalty. We are looking for a Director, Partnerships and Program Management to drive the transformation of one of our fast-growing businesses within this group at the intersection of commerce, data and digital experiences, focused on performance oriented solutions. Responsibilities: • Develop and implement a partner program with defined guidelines and requirements, defining responsibilities of a program partner., • Identify, pitch, contract, and onboard potential partners like such as digital players, SSPs, etc. working with internal partners (e.g. sales, account teams) to grow reach., • Create and manage partner agreements and contracts., • Develop and deliver partner enablement programs, including training and sales materials., • Monitor and analyze partner performance metrics and via reporting, • Build strong relationships with partners through communication and collaboration., • Serve as a link between partners and internal teams to ensure partners to drive mutual growth and success., • Stay updated on industry trends and competitor strategies to refine the program., • Create and implement strategic partnership plans and targets., • Support definition and requirements of new ad formats, • Monitor and analyze the performance of partnerships and programs, providing regular reports and insights to stakeholders., • Ensure compliance with industry standards and best practices. Qualifications: • MUST be from Media, Advertising, ad-tech, martech or digital media ideally within both high-growth environments and large, matrixed enterprises, • Proven experience in partnerships and program management, • Deep understanding of marketing technology ecosystems, including supply side platforms or publishers, ad serving, audience and targeting, and performance optimization tools, • Experience in developing business requirements and engaging with technical teams, • Strong analytical and problem-solving skills., • Excellent communication and interpersonal skills., • Ability to work independently and as part of a team., • Strong organizational skills and attention to detail. Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard’s security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Pay Ranges Purchase, New York: $170,000 - $273,000 USD New York City, New York: $178,000 - $284,000 USD

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Director, Small Business Product and Partnerships Mastercard’s North America (NAM) Small Business segment team is responsible for advancing the company’s efforts to address the needs of small businesses through innovative and business-centric solutions, alleviating small business pain points while driving stickiness and utility for bank, merchant, and fintech customers. The NAM Small Business ‘core’ is comprised of credit, debit and prepaid card solutions. Within the core, debit and prepaid cards represent a significant share of the NAM small business card portfolio and a large opportunity for growth. We are searching for a Director of US Small Business Debit, Prepaid, and Partnerships to lead the implementation of Mastercard’s growth strategies in these areas. This fast-paced, high-profile leadership role will own these two products and lead the merchant partnerships pillar for the NAM Small Business core team. The position will be responsible for the day-to-day management of product operations for business debit and prepaid including the management of the value propositions on these cards (a selection of merchant-led and Mastercard-led benefits). With support from the team, he/she will oversee the negotiation, launch and ongoing management of merchant partnerships related to benefits on all core cards. The successful candidate will be a highly motivated, analytical, and independent thinker with a proven track record in product management, partnerships management, and cross-functional partnerships. • Are you passionate about the prospect of supporting small business owners through the right card solutions?, • Do you have a solid understanding of card payment products- including the network payments landscape (specifically pertaining to debit & prepaid) and the fundamentals of issuer economics in payments?, • Do you have experience negotiating and managing partnership deals? Do you have experience putting yourself in the small business’ shoes to create seamless customer experiences that work for them?, • Are you an out-of-the-box thinker with strong attention to detail who can execute autonomously? Role – Director, Product Management, US Small Business Debit, Prepaid and Partnerships: Product Management – Business Debit and Prepaid • Drive growth for US Small Business Debit and Prepaid through the development of a core product roadmap that delivers against the team’s targets, evolves the product line, and meets the needs of small businesses., • Own the day-to-day operations of debit and prepaid including the card value propositions, participate in business development efforts and in new product launches with Mastercard issuer, alternative distribution and fintech customers, • Partner with colleagues on NAM small business product team to articulate and execute the SMB narrative and forward-looking strategy for the products, including merchant benefit partnerships, • Leverage “Beyond Card” capabilities to develop compelling value to issuers and businesses that grow the small business book, • Track and analyze key Debit and Prepaid performance indicators (KPIs), including Gross Dollar Volume (GDV), revenue growth, and interchange trends. Merchant Benefit Partnerships • Oversee card benefit partnerships for small business credit, debit and prepaid with support from members of the team, • Lead merchant negotiations for prospective and renewing small business card benefits. Collaborate with cross functional stakeholders to take deals from concept to completion., • Oversee business case development and implementation of benefits or enhancements, • Maintain a pipeline of prospective merchant partners, • Stay abreast of competitive trends and relevant, fast-growing merchants that may be good partnership candidates, • Contribute to and execute Mastercard’s small business merchant benefit strategy for the short and longer term Job Specific Skills: • Expertise in U.S. Payments & Debit Ecosystem – Deep understanding of Single Message and Dual Message transaction flows, interchange structures, and regulatory impacts. Prepaid knowledge a strong plus., • Partnerships – Minimum 2 years experience in negotiating with third party partners including in contract negotiations for consumer-facing deals and ongoing relationship management, • Industry Experience – Minimum 5 years in product management, strategy, consulting, or a related field in the payments industry., • Analytical & Data Skills – Strong proficiency in Microsoft Excel (pivot tables, data modeling) and PowerPoint (storytelling, presentations)., • Regulatory & Compliance Knowledge – Familiarity with payment regulations, interchange pricing models, and issuer processing., • Small Business Passion – Enthusiasm for Mastercard’s focus on supporting the needs of small business owners., • Strategic Execution – Ability to interpret complex data, manage multiple projects, and drive business impact., • Collaboration & Communication – Strong interpersonal skills to work cross-functionally and influence stakeholders at all levels, both internal and external to Mastercard., • Adaptability & Ownership – Self-starter mindset, proactively solving challenges and driving results., • Bachelor’s degree required; MBA or Graduate degree preferred., • Location is flexible between Purchase, NY or New York City; limited travel may be required. Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard’s security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Pay Ranges Purchase, New York: $170,000 - $273,000 USD

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Senior Specialist, Product Development Overview: Mastercard’s North America (NAM) Small Business segment team is responsible for advancing the company’s efforts to address the needs of small businesses through innovative and business-centric solutions, alleviating small business pain points while driving stickiness and utility for bank, merchant, and fintech customers. The NAM Small Business ‘core products’ are comprised of credit, debit and prepaid card solutions. We are seeking a Senior Specialist, Small Business Partnerships sitting within the NAM Small Business Core team to be responsible for supporting and driving the delivery of the partnership strategy for merchant card benefits and will support benefit innovation and implementation overall on the core. Merchant benefits are critical to the way small business cardholders engage with their cards, their bank, and our brand. The candidate will support the negotiation and management of strategic partner relationships, working alongside the Director of Core & Partnerships and the head of Core Management & Partnerships. They will be responsible for leading the Easy Savings small business offers program within the U.S and helping to drive customer enrollment as well as the acquisition of new merchant offers. They will also support the overall core product strategy as it evolves to continue to meet the needs of businesses. Role and Responsibilities: Manage relationships with merchant partners on our U.S. small business card propositions and oversee key initiatives including benefit UX development and implementation, performance reporting to issuers and leadership, contract amendments, optimization, and more. Support the identification, negotiation, and launch of net new merchant benefits in the core product line. Work with the small business data analyst and Core Product team leads to develop business cases, manage budgets, and gain approvals for new merchant deals. Lead go-to-market efforts with the merchant partners and Mastercard product marketing teams to develop and disseminate marketing materials related to benefit launches and sunsets – including issuer bulletin announcements, B2B2C marketing materials, sales materials, press releases and more. Serve as the main point of contact in the U.S. for the Easy Savings offers program; support new customer enrollment and merchant offers, and partner with Global to define the program roadmap in the region. Serve as a subject matter expert on the core product line and support customer efforts to promote and optimize card benefits. Support the core product team on furtherance of forward looking strategies to grow the business and market share Represent the business narrative and card value propositions to issuing and fintech customers to drive customer promotion of and cardholder engagement in small business core benefits. Work with the team to identify, scope, size, and implement innovative card benefits that alleviate business pain points and drive card engagement All About You: You are passionate about small businesses and are deeply engrained in the card, payments and issuer landscape. You have a solid understanding of network dynamics. You are a team player who thrives in a fast-paced environment, and who can work both independently at times in addition to across large cross-functional teams. You are an excellent written and verbal communicator with superb analytical skills; you are comfortable synthesizing complex information and presenting to senior audiences. You have experience managing partners or external clients, supporting contract negotiations, and building business cases. You have experience navigating data platforms and are comfortable gleaning insights from raw data to build a strategy or narrative. You have strong organizational and project management skills, with the ability to execute against a vision while balancing priorities. You are adept at mobilizing support and soliciting input from cross-functional partners to bridge strategy into execution. Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard’s security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Pay Ranges New York City, New York: $119,000 - $190,000 USD

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Director, Product Management, Agentic Commerce Director, Product Management, Agentic Commerce Locations: New York City, San Francisco Who is Mastercard? Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all. Overview The Mastercard Checkout Solutions team is looking for a Director, Product Management, Agentic Commerce to bring Mastercard’s flagship agentic commerce product, Mastercard Agent Pay, from concept to market and scale. The ideal candidate will be highly motivated, intellectually curious, analytical, and excited by the challenge of balancing the needs of many diverse stakeholders. Our team leads Mastercard's efforts to build and scale digital payment products that enable commerce across devices, contexts, and geographies. We work with the biggest names in tech, ecommerce and financial services to leverage Mastercard's technological capabilities to solve partner business problems, create new propositions, and ensure seamless, secure and inclusive payments. Role The Director, Product Management, Agentic Commerce will be focused on defining Mastercard's strategy to enable access to digital credentials wherever consumers engage with the world using agentic AI. This individual will drive components of Mastercard’s agentic commerce product suite from concept to market launch and scale across global markets. Success in this endeavor will mean delivering a familiar and accessible consumer payment experience using a combination of Mastercard's technology platforms, driving adoption of secure digital payments to new contexts, interfaces, and market segments. • Act as the business owner for a key pillar of Mastercard’s flagship agentic commerce product and lead its journey to market. Collaborate with internal stakeholders, building a coalition to progress the product through the first phases of its lifecycle with a vision and objective of rapidly achieving scale. Interface regularly with external customers and stakeholders, including AI firms, agentic providers, startups, large issuers, digital wallets, merchants, acquirers, and payment service providers, to ensure challenges and opportunities are fully understood and captured., • Help to develop and refine product value propositions that resonate with customers, balance contrasting interests among customer sets, and function across target markets / regions with different consumer-level considerations. Build enthusiasm around this value proposition among key stakeholders and work with the communications & sales teams to create corresponding sales and training materials., • Lead the commercial strategy for the product, including pricing at the global and regional level, ongoing P&L, and long-term revenue projections., • Define and execute the strategy for development, pilot, go-to-market, and scaling of the product. Act as the central, global point of contact for strategic coordination among your counterparts in each target region. Provide direct support as each of these teams drives product adoption among customers in their market. Build and maintain a global customer pipeline and support regional delivery teams to onboard customers., • Plan & track product performance and develop product enhancements to address emerging customer requirements or scale customer adoption., • High level of fluency in AI, including deep technology foundations and thorough industry awareness. The ideal candidate for this position will have personal experience and a network in the industry, as well as the ability to build and deploy an agent., • Strong experience and knowledge of the business drivers and technology of consumer payments, especially digital wallets, tokenization, and authentication, across global regions and markets., • Awareness and understanding of Mastercard's key customers, partners, and external stakeholders in these areas, including Issuers, Payment Service Providers, Acquirers, Digital Wallet Operators, and Merchants., • Comfortable rapidly absorbing large volumes of complex business and technical knowledge. You seek out daunting intellectual challenges as a pastime., • Possess a blend of analytical capability, strategic thinking, and emotional intelligence and able to dive deep on all areas of the business to deliver creative solutions to unstructured problems., • Comfortable communicating strategy, project status, and complex ideas to executive leadership., • Willing to hear new ideas and objectively consider challengers in the interest of achieving the best possible customer outcomes., • Bachelor's degree required., • Strong written and verbal communication skills. #LI-MF1 Total Base Pay Range 178,000.00 - 284,000.00 Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard’s security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Pay Ranges New York City, New York: $178,000 - $284,000 USD San Francisco, California: $178,000 - $284,000 USD

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Manager, Innovation / New Product Development Who is Mastercard? Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all. Overview Mastercard Foundry is the innovation engine of Mastercard and a hub for new product development. We do this by driving product innovation in emerging technologies and interfaces while focusing on developing a point of view to enhance existing solutions and new use-cases. We also focus on building revenue generating ecosystems and flywheels that can be standalone in adjacent segments and markets. Examples of focus areas include Consumer value propositions, Digital payments, Tokenization / Privacy enhancing technologies, Payment Acceptance and Processing, and applications of Artificial Intelligence. Within Foundry, the Manager, will be a critical driver of new product development, including identification, execution, and in-market delivery of new Digital products and solutions. The responsibilities will include execution of near-term opportunities that drive significant in year revenue and strategic differentiation for Mastercard, as well as scoping, identification, in-market testing of longer-term product concepts and solutions. Role: • Uncover new trends and identify relevant opportunities in the future of payments., • Present findings that translate complex concepts into simple, compelling narratives., • Experiment quickly with proposed solutions via development of prototypes and proofs-of-concept., • Develop go-to-market plan to deploy pilots and commercial solutions in market, in partnership with regional leads and sponsoring business units., • Coordinate strategic, tactical efforts, and planning to facilitate execution and deployment of key priorities globally, partnering with cross-functional teams., • Drive thought leadership and the learning agenda across key opportunity spaces and emerging technologies (e.g., Social Commerce, Generative AI)., • Build analytics and business cases to prove commercial value of products launched., • Partner with cross-functional teams (e.g., Technology, Legal, Data Privacy, Delivery, Finance, Marketing, Sales, etc.) to develop concepts and navigate the product development lifecycle, from early-stage concept ideation through commercialization., • Analyze and translate information into actionable insights and recommendations to drive business strategy and innovation., • Manage assigned initiatives and compile updates to share progress with executive leadership., • Mentor and provide guidance to junior team members. All about you: • Passion for innovation and emerging technology, • Strong problem solving, research, analytical and quantitative skills, with the ability to build business cases that articulate commercial value, • Experience in product management, fast prototyping and design thinking, • Experience in the evolution of digital payments, including key trends market, competitive and regulatory trends, • Excellent project management and organizational skills, • Strong track record of driving tangible business results, • Excellent presentation and communication skills, both drafting and presenting, oral and written, • Prior consulting, banking or emerging payments experience a plus, • Abide by Mastercard’s security policies and practices;, • Ensure the confidentiality and integrity of the information being accessed;, • Report any suspected information security violation or breach, and, • Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard’s security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Pay Ranges New York City, New York: $143,000 - $228,000 USD Purchase, New York: $137,000 - $219,000 USD

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Director, Product Development Overview: Mastercard Checkout Services focuses on making payments simpler, more efficient, and more secure. We are building highly scalable digital payment experiences through our products such as Click to Pay, Secure Card on File Tokenization and Token Authentication Service. Our vision is to enable Click to Pay as a core card benefit across all issued cards worldwide, and enable secure and seamless guest checkout experiences. This Director of Product Development, with a strong technical focus, will be part of Mastercard Checkout Services team, and shape Click to Pay product strategic roadmap and bring innovative solutions to life towards scaling Mastercard Checkout Services. We are looking for a top performer with entrepreneurial spirit and experience in executing complex technology projects across multiple product platform teams, working with exceptional colleagues around the globe. This is a high-impact role at the intersection of product strategy, architect, and solution design. If you're passionate about shaping the future of digital payments through smart, scalable architecture and creative solutioning, join us! Role • Lead solutioning for product discovery initiatives, exploring new technologies, use cases, trends, and market opportunities that will contribute to the evolution of Click to Pay long-term product strategy., • Support pre-sales and partnership engagements by providing technical assessments, solution architectures, and integration overviews., • Act as the technical bridge between external partners and internal product development teams—balancing user experience, feasibility, and system constraints., • Translate customer and partner needs into scalable product capabilities and architectural designs across a variety of use cases., • Define and document technical requirements in collaboration with Product Managers, Engineering, UX, and Legal & Privacy teams., • Stay current on industry trends, security protocols, and emerging technologies relevant to digital payments and authentication. All About You • 7+ years in product architecture, technical product management, or solution architecture roles—ideally in digital payments, identity, or large-scale platforms., • Deep familiarity with tokenization, secure remote commerce protocols, authentication, and PCI-related constraints., • Strong understanding of web technologies, APIs, cloud-native architecture, and service-oriented design., • Proven experience translating abstract product goals into concrete architecture and system behavior. Hands-on experience with developer documentation, wireframes, or prototypes a plus., • Proven record of cross-functional collaboration skills with a strong focus on working across business, engineering, UX, and research teams., • Strong Problem solving with ability to interact with, build consensus and influence a variety of internal and external business partners and customers., • Strong collaboration and communication skills with both technical and non-technical stakeholders., • Prior experience in federated ecosystems or global product deployments is a strong advantage., • Proven ability to work with extremely fast paced environment, meet deadlines, and collaborate effectively across teams., • Bachelor’s degree required, Advanced degree preferred. #LI-MF1 Total Base Pay Range 178,000.00 - 284,000.00 Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard’s security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary based on location, experience and other qualifications for the role and may be eligible for an annual bonus or commissions depending on the role. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance), flexible spending account and health savings account, paid leaves (including 16 weeks new parent leave, up to 20 paid days bereavement leave), 10 annual paid sick days, 10 or more annual paid vacation days based on level, 5 personal days, 10 annual paid U.S. observed holidays, 401k with a best-in-class company match, deferred compensation for eligible roles, fitness reimbursement or on-site fitness facilities, eligibility for tuition reimbursement, gender-inclusive benefits and many more. Pay Ranges New York City, New York: $178,000 - $284,000 USD

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Director, Start Path Lead, North America Director, Start Path Lead, North America Overview: • Are you motivated by a fast-paced environment where you would be a subject matter expert, a connector, and a leader with a reputation for impact?, • Do you have a passion for later-stage startups and emerging technology, and possess an entrepreneurial spirit?, • Are you interested in working in an environment that has the nimbleness of a fintech and works with startups regionally and globally? The Role: • Ensure best-in-class sourcing of fintechs through relationship building with external ecosystem (e.g. investor network, ecosystem partners), • Partner with regional product teams to identify opportunities for new product development and expanded distribution that can be unlocked via fintech partnerships, • Develop regional fintech distribution strategy, identifying and onboarding Mastercard resellers, system integrators, and other indirect sales partners, • Facilitate and close commercial deals with strategic fintech partners that align with business objectives, ensuring mutual value creation, • Manage top fintech accounts to drive product development and distribution, and track commercial outcomes to demonstrate business value, • Function as a regional expert; consolidate and synthesize signals from fintech, investment, regulatory landscape to central Start Path team and product teams, • Work closely with regional account teams to evangelize the Start Path program and train Account Managers and Sales teams on how Start Path creates commercial value for Mastercard and our customers, • Contribute to evaluation and selection of fintechs pre-program and mentoring of fintechs during program, • Create a go-to-market strategy to maximize commercial engagements between fintechs and customers, • Cultivate effective senior level relationships in the region, building rapport and trust with Mastercard customers All About You: • Strong commercial acumen and track record of identifying strategic partnerships that drive business value, • Ability to build valuable relationships with ecosystem partners and customers, • Expert consultative selling, influencing, and negotiation skills, • Quick learner of emerging technologies, demonstrating thought leadership, • Customer-focused, solutions-driven, with a strong sense of urgency, • Proven ability to take accountability and deliver results in ambiguous environments, • Multi-disciplinary expertise in product development, product management, business development, marketing, and client relationship management Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard’s security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Pay Ranges New York City, New York: $178,000 - $284,000 USD Purchase, New York: $170,000 - $273,000 USD

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Director, Product Management Blockchain and Crypto The Mastercard Blockchain and Crypto team, part of Mastercard’s global Core Payments division, is focused on the rapidly evolving blockchain technology and stablecoins, related ecosystems and their impacts to consumers, merchants, and other market participants. The team leads the development, management, and commercialization of compliant crypto solutions with the goal of providing a wide range of payment products and value add services to our stakeholders and aligning closely with Mastercard’s multi-rail strategy and commitment to consumer choice. The Blockchain and Crypto team is looking for a Director, Product Management to support the execution of Mastercard’s crypto roadmap by consistently innovating and collaborating with multi-functional teams worldwide. The individual will drive the development of key products and solutions, including focusing on enabling stablecoins and its related uses cases on Mastercard’s network. The ideal candidate is passionate about the payments and the crypto space, has experience managing payment products and has working knowledge of B2B payments and card networks. Role In this product management role you will, • Work closely with customers, Mastercard global and regional teams and sales colleagues to engage in concept validation, business case development, financial modeling and planning for new products or enhancements, • Engage with treasury, franchise, legal, regulatory teams and external partners to build and launch capabilities and services for crypto transactions and settlement, • Partner with platform and engineering teams by providing a clear product vision, well-defined product roadmap and initiatives; define and prioritize product features, • Provide support to sales and customer facing teams with communication and training on product functionality and enhancements, • Provide support to other product and commercialization areas on the team as needed, • Ideally based in Purchase, New York or London. All about you • Strong interest in blockchain and crypto space, • Experience in the payments industry and ability to adapt new technologies to existing use cases; prior knowledge of payment networks and processing is a plus, • Knowledge of the card authorization, clearing and settlement process and systems is a plus, • Experience in product development and product management, including concept definition / validation, and business requirements definition, • Strong written and verbal communication skills; ability to communicate your vision and roadmap effectively to a wide variety of stakeholders, • Entrepreneurial attitude, self-starter, ability to work independently, • Strong analytical skills, problem solver with the ability to take thoughtful risks Total Base Pay Range 170,000.00 - 273,000.00 Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard’s security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Pay Ranges Purchase, New York: $170,000 - $273,000 USD New York City, New York: $178,000 - $284,000 USD

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Director, Digital Assets & Crypto - Product Manager, NAM Overview The world is shifting digital – and that shift is only accelerating. To bring solutions that help our financial institution, merchant and fintech partners navigate the ever-evolving digital payments landscape and new emerging technologies, we are seeking seasoned product manager. The Digital Assets – Product Manager will play a key role in North America Product organization with a focus on integrating Mastercard’s network and payment products with the digital assets and digital currencies space. The ideal candidate combines deep expertise in payments and product management with a strong grasp emerging trends in Digital Payments & Stablecoins. The individual will be a “go-to” contact for education, thought leadership, and regional product knowledge, and should understand the nuances of card networks, issuer, program managers, acquirer and merchant dynamics, be able to contextualize new trends within established payment frameworks. In this role, the Director of Product Management will: • Act as subject matter expert and represent the product portfolio in executive-level customer conversations, delivering clear, compelling narratives to stakeholders., • Lead go-to-market (GTM) and regional development of innovative digital asset and tokenized payment solutions that have strategic fit and value to Mastercard's customers and partners, including evaluation of the business value of solution concepts for Mastercard and its customers, • Manage cross-functional teams, and internal stakeholders ranging from regional and global product teams, franchise, legal, sales and account management to ensure seamless execution throughout the product lifecycle, from readiness to deployment., • Understand customer feedback and help translate that into actions that advance our products, go-to-market strategies and to inform ongoing enhancements and regional adaptations., • Follow technology trends and provide insight & analysis of implications to internal stakeholders and channel partners All About You • Strong expertise in payments, digital commerce, and card issuance with demonstrated understanding of Stablecoins, the ability to bridge emerging technologies with traditional payment systems., • Demonstrated understanding of blockchain infrastructure with immersion across the digital assets ecosystem, spanning emerging L1/L2 networks, self-custodial wallets, and novel decentralized applications., • Exceptional communication and presentation skills, with experience engaging senior executives and external partners., • Strong business acumen, with the ability to identify, capture and deliver business results, • Forward thinking, with ability to develop creative approaches to solve business situations, • Strong ability to act as a team player and create trust and relationships across the organization,, • Strong organizational agility and stakeholder management capabilities., • Experience in digital payments and/or management consultancy with ability to develop strategic points of view Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard’s security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Pay Ranges New York City, New York: $178,000 - $284,000 USD

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Manager, Product Management Job Overview: Develops product strategies and roadmaps to execute to ensure maximum penetration of market segments. Manages and maintains existing product lines on an on-going basis, including partner management. Conducts opportunity assessments on new ideas and concepts. Provides design specifications for product enhancements to Product Development. Defines business and technical requirements, and manages the relationships of technical resources and the Global Technology Organization to maintain and build out platforms. Major Accountabilities: • Monitor product performance, provide feedback, define or approve/disapprove change control processes, and manage vendor relationships, • Coordinate with customer teams, customers and third parties to develop product strategies and possible enhancements of existing product offerings, • Develop and implement programs and initiatives using the Go-To-Market process to increase card issuance in both established and emerging markets, • Engage in idea generation, concept validation, business case development, and in some instances financial modeling and planning, • Execute business plans which promote the value and profitability of MasterCard acceptance, • Enhance the development and design of product-marketing strategy from product decision through product life cycle, • Coordinate the execution of advertising, promotional, and sales programs to meet objectives Education:, • Bachelor’s degree in business or equivalent work experience Knowledge / Experience: • 5-8 years prior related work experience with at least two years of management experience desirable, • Extensive experience in new product development, • Must have strong business/market/financial analysis and project management skills Skills/ Abilities: • Ability to interact and coordinate effectively with internal and external business partners, • Business Acumen with the ability to provide solutions that drive positive results to the customer and MasterCard, • Self motivated with a proven track record of delivering success while operating within a team Work Conditions:, • Some travel required, • General office environment Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: * Abide by Mastercard’s security policies and practices; * Ensure the confidentiality and integrity of the information being accessed; * Report any suspected information security violation or breach, and * Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines. In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Pay Ranges New York City, New York: $178,000 - $284,000 USD

Lead Machine Learning Engineer (Enterprise Platforms Technology) As a Capital One Machine Learning Engineer (MLE), you'll be part of an Agile team dedicated to productionizing machine learning applications and systems at scale. You’ll participate in the detailed technical design, development, and implementation of machine learning applications using existing and emerging technology platforms. You’ll focus on machine learning architectural design, develop and review model and application code, and ensure high availability and performance of our machine learning applications. You'll have the opportunity to continuously learn and apply the latest innovations and best practices in machine learning engineering. Enterprise Platforms Technology (EPTech) comprises many of Capital One’s most important enterprise platforms. We play an essential role in establishing practices for building technology solutions across the company, while also delivering capabilities that exemplify those practices. What you’ll do in the role: * The MLE role overlaps with many disciplines, such as Ops, Modeling, and Data Engineering. In this role, you'll be expected to perform many ML engineering activities, including one or more of the following: * Design, build, and/or deliver ML models and components that solve real-world business problems, while working in collaboration with the Product and Data Science teams. * Inform your ML infrastructure decisions using your understanding of ML modeling techniques and issues, including choice of model, data, and feature selection, model training, hyperparameter tuning, dimensionality, bias/variance, and validation). * Solve complex problems by writing and testing application code, developing and validating ML models, and automating tests and deployment. * Collaborate as part of a cross-functional Agile team to create and enhance software that enables state-of-the-art big data and ML applications. * Retrain, maintain, and monitor models in production. * Leverage or build cloud-based architectures, technologies, and/or platforms to deliver optimized ML models at scale. * Construct optimized data pipelines to feed ML models. * Leverage continuous integration and continuous deployment best practices, including test automation and monitoring, to ensure successful deployment of ML models and application code. * Ensure all code is well-managed to reduce vulnerabilities, models are well-governed from a risk perspective, and the ML follows best practices in Responsible and Explainable AI. * Use programming languages like Python, Scala, or Java. Basic Qualifications: * Bachelor’s degree * At least 6 years of experience designing and building data-intensive solutions using distributed computing (Internship experience does not apply) * At least 4 years of experience programming with Python, Scala, or Java * At least 2 years of experience building, scaling, and optimizing ML systems Preferred Qualifications: * Master's or doctoral degree in computer science, electrical engineering, mathematics, or a similar field * 3+ years of experience building production-ready data pipelines that feed ML models * 3+ years of on-the-job experience with an industry recognized ML framework such as scikit-learn, PyTorch, Dask, Spark, or TensorFlow * 2+ years of experience developing performant, resilient, and maintainable code * 2+ years of experience with data gathering and preparation for ML models * 2+ years of people leader experience * 1+ years of experience leading teams developing ML solutions using industry best practices, patterns, and automation * Experience developing and deploying ML solutions in a public cloud such as AWS, Azure, or Google Cloud Platform * Experience designing, implementing, and scaling complex data pipelines for ML models and evaluating their performance * ML industry impact through conference presentations, papers, blog posts, open source contributions, or patents At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (i.e. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, E-2, E-3, L-1 and O-1, or any EADs or other forms of work authorization that require immigration support from an employer). The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. New York, NY: $211,000 - $240,800 for Lead Machine Learning Engineer Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the ___. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at ___. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to ___ For technical support or questions about Capital One's recruiting process, please send an email to Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Applied Researcher II Overview: At Capital One, we are creating trustworthy and reliable AI systems, changing banking for good. For years, Capital One has been leading the industry in using machine learning to create real-time, intelligent, automated customer experiences. From informing customers about unusual charges to answering their questions in real time, our applications of AI & ML are bringing humanity and simplicity to banking. We are committed to building world-class applied science and engineering teams and continue our industry leading capabilities with breakthrough product experiences and scalable, high-performance AI infrastructure. At Capital One, you will help bring the transformative power of emerging AI capabilities to reimagine how we serve our customers and businesses who have come to love the products and services we build. Team Description: The AI Foundations team is at the center of bringing our vision for AI at Capital One to life. Our work touches every aspect of the research life cycle, from partnering with Academia to building production systems. We work with product, technology and business leaders to apply the state of the art in AI to our business. In this role, you will: * Partner with a cross-functional team of data scientists, software engineers, machine learning engineers and product managers to deliver AI-powered products that change how customers interact with their money. * Leverage a broad stack of technologies — Pytorch, AWS Ultraclusters, Huggingface, Lightning, VectorDBs, and more — to reveal the insights hidden within huge volumes of numeric and textual data. * Build AI foundation models through all phases of development, from design through training, evaluation, validation, and implementation. * Engage in high impact applied research to take the latest AI developments and push them into the next generation of customer experiences. * Flex your interpersonal skills to translate the complexity of your work into tangible business goals. The Ideal Candidate: * You love the process of analyzing and creating, but also share our passion to do the right thing. You know at the end of the day it’s about making the right decision for our customers. * Innovative. You continually research and evaluate emerging technologies. You stay current on published state-of-the-art methods, technologies, and applications and seek out opportunities to apply them. * Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You’re not afraid to share a new idea. * A leader. You challenge conventional thinking and work with stakeholders to identify and improve the status quo. You’re passionate about talent development for your own team and beyond. * Technical. You’re comfortable with open-source languages and are passionate about developing further. You have hands-on experience developing AI foundation models and solutions using open-source tools and cloud computing platforms. * Has a deep understanding of the foundations of AI methodologies. * Experience building large deep learning models, whether on language, images, events, or graphs, as well as expertise in one or more of the following: training optimization, self-supervised learning, robustness, explainability, RLHF. * An engineering mindset as shown by a track record of delivering models at scale both in terms of training data and inference volumes. * Experience in delivering libraries, platform level code or solution level code to existing products. * A professional with a track record of coming up with new ideas or improving upon existing ideas in machine learning, demonstrated by accomplishments such as first author publications or projects. * Possess the ability to own and pursue a research agenda, including choosing impactful research problems and autonomously carrying out long-running projects. Basic Qualifications: * Currently has, or is in the process of obtaining, PhD in Electrical Engineering, Computer Engineering, Computer Science, AI, Mathematics, or related fields, with an exception that required degree will be obtained on or before the scheduled start date plus 2 years of experience in Applied Research or M.S. in Electrical Engineering, Computer Engineering, Computer Science, AI, Mathematics, or related fields plus 4 years of experience in Applied Research Preferred Qualifications: * PhD in Computer Science, Machine Learning, Computer Engineering, Applied Mathematics, Electrical Engineering or related fields * LLM * PhD focus on NLP or Masters with 5 years of industrial NLP research experience * Multiple publications on topics related to the pre-training of large language models (e.g. technical reports of pre-trained LLMs, SSL techniques, model pre-training optimization) * Member of team that has trained a large language model from scratch (10B + parameters, 500B+ tokens) * Publications in deep learning theory * Publications at ACL, NAACL and EMNLP, Neurips, ICML or ICLR * Optimization (Training & Inference) * PhD focused on topics related to optimizing training of very large deep learning models * Multiple years of experience and/or publications on one of the following topics: Model Sparsification, Quantization, Training Parallelism/Partitioning Design, Gradient Checkpointing, Model Compression * Experience optimizing training for a 10B+ model * Deep knowledge of deep learning algorithmic and/or optimizer design * Experience with compiler design * Finetuning * PhD focused on topics related to guiding LLMs with further tasks (Supervised Finetuning, Instruction-Tuning, Dialogue-Finetuning, Parameter Tuning) * Demonstrated knowledge of principles of transfer learning, model adaptation and model guidance * Experience deploying a fine-tuned large language model Capital One will consider sponsoring a new qualified applicant for employment authorization for this position. The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Cambridge, MA: $257,300 - $293,700 for Applied Researcher II McLean, VA: $257,300 - $293,700 for Applied Researcher II New York, NY: $280,700 - $320,400 for Applied Researcher II San Francisco, CA: $280,700 - $320,400 for Applied Researcher II San Jose, CA: $280,700 - $320,400 for Applied Researcher II Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the ___. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at ___. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to ___ For technical support or questions about Capital One's recruiting process, please send an email to Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Senior Manager, Data Engineering - Capital One Software (Remote) Capital One Software is seeking a Senior Manager, Data Engineering who is passionate about marrying innovation with emerging technologies. In 2022, we publicly announced Capital One Software and have since brought two of our B2B software solutions to market; Slingshot and Databolt. Building on Capital One’s pioneering adoption of modern cloud and data capabilities, Capital One Software is helping accelerate the data management journey at scale for businesses operating in the cloud. If you think of the kind of challenges that companies face – things like data publishing, data consumption, data governance, and infrastructure management – we’ve built tools to address these various needs along the way. Capital One Software will continue to explore where we can bring our solutions to market to help other businesses address these same needs going forward. We are seeking top tier talent to join our pioneering team and propel us towards our destination. You will be joining a team of innovative product, tech, and design leaders that tirelessly seek to question the status quo. As a Capital One Senior Manager Data Engineeryou’ll have the opportunity to build meaningful software that enables our customers to manage their data securely and efficiently at any scale. What You’ll Do: * Collaborate with and across Agile teams to design, develop, test, implement, and support technical solutions in full-stack development tools and technologies * Work with a team of developers with deep experience in machine learning, distributed microservices, and full stack systems * Utilize programming languages like Java, Scala, Python and Open Source RDBMS and NoSQL databases and Cloud based data warehousing services such as Databricks and Snowflake * Share your passion for staying on top of tech trends, experimenting with and learning new technologies, participating in internal & external technology communities, and mentoring other members of the engineering community * Collaborate with digital product managers, and deliver robust cloud-based solutions that drive powerful experiences to help millions of Americans achieve financial empowerment * Perform unit tests and conduct reviews with other team members to make sure your code is rigorously designed, elegantly coded, and effectively tuned for performance Basic Qualifications: * Bachelor’s Degree * At least 6 years of experience in application development (Internship experience does not apply) * At least 2 years of experience in big data technologies * At least 1 year experience with cloud computing (AWS, Microsoft Azure, Google Cloud) * At least 4 years of people management experience Preferred Qualifications: * Master's Degree * 9+ years of experience in application development including Python, SQL, Scala, or Java * 4+ years of experience with a public cloud (AWS, Microsoft Azure, Google Cloud) * 5+ years experience with Distributed data/computing tools (MapReduce, Hadoop, Hive, EMR, Kafka, Spark, Gurobi, or MySQL) * 4+ year experience working on real-time data and streaming applications * 4+ years of experience with NoSQL implementation (Mongo, Cassandra) * 4+ years of data warehousing experience (Redshift or Snowflake) * 4+ years of experience with UNIX/Linux including basic commands and shell scripting * 2+ years of experience with Agile engineering practices * 6+ years of people management experience At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (i.e. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization). The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Remote (Regardless of Location): $204,900 - $233,800 for Sr. Mgr, Data Engineering Richmond, VA: $204,900 - $233,800 for Sr. Mgr, Data Engineering Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the ___. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at ___. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to ___ For technical support or questions about Capital One's recruiting process, please send an email to Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Lead Software Engineer, iOS (Bank Tech) Do you love building and pioneering in the technology space? Do you enjoy solving complex business problems in a fast-paced, collaborative, inclusive, and iterative delivery environment? At Capital One, you'll be part of a big group of makers, breakers, doers and disruptors, who love to solve real problems and meet real customer needs. As a Capital One iOS Software Engineer, you’ll have the opportunity to be on the forefront of driving a major transformation within Capital One. At Capital One, the iOS and Android platforms are recognized as an opportunity to reach our customers in unique, personal and engaging ways. Nothing is off limits as we explore exciting ways to take advantage of the full ecosystem of mobile devices including Watch, TV, and whatever future developments Apple or Google creates. Our engineers are provided with top of the line Macbook Pros, multiple high-end monitors and the necessary tooling to develop the best possible products with the least amount of friction. We operate in small, productive agile teams and use the best industry tools to collaborate across teams. What You’ll Do: * Develop iOS client code solutions that deliver on Product Strategy and adhere to established engineering best practices, design guidelines and principles * Partner with Software Engineers, UX/UI, Quality Engineers, Product Owners/Analysts to deliver high performing quality customer experiences that are engaging, purposeful and powerful in their simplicity * Actively participate in all team agile ceremonies, contributing to ensure that all team commitments are delivered on time and of the highest quality * Be an active advocate of the mobile platform through both internal and external developer communities * Remain an active learner in all technologies related to mobile development (Swift, Kotlin, 3rd party libraries, etc.) * Influence and contribute to group discussions and incorporate feedback/communication from the broader team * Mentor junior to mid-level members of the team * Actively engage with developers outside of the local sprint team across various disciplines (Android, iOS, APIs, Web, etc.) * Own and lead delivery of major components and platform needs in partnership with senior engineers and Architects * Consistently share best practices and improve processes within and across sprint teams * Identify technical obstacles early and work closely with the team to find creative solutions * Review pull requests and ensure adherence to Swift and other language idioms Basic Qualifications: * Bachelor’s Degree * At least 4 years of experience in software engineering (Internship experience does not apply) * At least 3 years of experience building iOS applications * At least 3 years of experience with Swift Preferred Qualifications: * Master’s Degree * 5+ years of experience building iOS applications * 4+ years of experience with Swift * 4+ years of experience in open source frameworks * 2+ years of experience with Agile practices At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (i.e. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, E-2, E-3, L-1 and O-1, or any EADs or other forms of work authorization that require immigration support from an employer). The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. New York, NY: $211,000 - $240,800 for Lead Software Engineer Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the ___. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at ___. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to ___ For technical support or questions about Capital One's recruiting process, please send an email to Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).