Actuaries

**General information**

**Ref #** 19474

**Remote?** Yes

**Ally and Your Career**

*

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

**The Opportunity**

This role is Detroit Hybrid preferred, however remote option possible

The Senior Actuarial Analyst is responsible for developing and supporting a robust reserving framework at Ally Insurance. The Senior Actuarial Analyst will be expected to independently lead projects from start to finish. This includes brainstorming, accurately executing advanced analytics, and effectively communicating results to Management and Senior Leadership. This role will have high visibility to Leadership and future advancement opportunities. Ideal candidates will have demonstrated leadership, communication, and technical skills. Programming skills a must. SQL/R/Python preferred.

**The Work Itself**

* Support a reserving framework for insurance business, including both standard actuarial techniques and advanced modeling
* Lead, develop, and communicate advanced analytics to Management and Senior Leadership
* Foster innovation within the team and across the broader organization
* Work collaboratively as a part of the product development, pricing, and/or reserving processes
* Develop reserve indications, produce reserve ranges, and perform advance analytics
* Support development of themselves and other associates in an actuarial capacity and according to Ally vision and mission statement

**The Skills You Bring**

* ACAS or near ACAS preferred; 5 or more Casualty Actuarial Society exams required
* 4+ years of experience in actuarial or data science roles; exposure to advanced ratemaking and/or reserving a plus
* Strong communication and relationship building skills
* Ability to adapt to change and adjust priorities quickly, as necessary and appropriate
* High level of problem solving and critical thinking capabilities
* Well-organized and detail-oriented
* Highly motivated and self-directed
* Minimum of Bachelor’s degree in risk management, finance, economics, actuarial science, mathematics, statistics, or related field
* Programming skills in SQL/R/Python
* Must be authorized to work in the US on a permanent basis

\#LI-Remote
\#LI-Hybrid
\#LI-DFS

**How We'll Have Your Back**

*

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally’s total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including:
* Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting.
* Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs.
* Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
* Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts.
* Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at work@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

**_Base Pay Range:_**

An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

**Emerging:** 85000

**Experienced:** 117500

**Expert:** 150000

Incentive Compensation: This position is eligible to participate in our annual incentive plan

This position will provide external actuarial analytics support within the regulated Medicare market and Pharmacy Benefit Manager (PBM) Healthplan space.

The Actuarial Strategy role is designed to provide a designated full time support to Express-Script’s external client’s Medicare Part D business. This role will matrix with internal leadership within trend, formulary, clinical, knowledge solutions, sales & account management, and supply teams. The role will assist in development of actuarial analyses for Medicare Part D business, including but not limited to; special CMS programs, drug expense analyses and projections, financial forecasts, actuarial modeling, pharmacy network optimization strategies, manufacturer rebates optimization, regulatory impact assessment, and ad hoc actuarial analyses as needed.

The position requires an experienced strategic viewpoint in wide variety of actuarial prescription drug subjects within the enterprise, industry, and regulatory environments.

**The Essential Responsibilities of the Role include:**

Product Support / Development

+ Co-lead development of Actuarial analytics products for Express Scripts existing Part D Plans

+ Perform financial analyses of proposed regulatory changes, demonstration programs, and other special programs by CMS to determine financial impact on various entities within the drug supply chain

+ Develop actuarial models to aid in prospective projections of Medicare Part D Plan client’s plan liability and premium impact sensitivities

+ Build actuarial models and project management functions to accelerate and safeguard improvements in the development of analytics tools to identify gaps in the Medicare Part D market

+ Lead studies to aid in identification of gaps in the Medicare Part D Prescription Drug Health market to aid in development of strategies to help close identified gaps

Analytics Support to Part D Plans

+ Drive strategic discussion to develop analytics road map to optimize Part-D revenue optimization and cost-reduction strategies for Medicare Part D Health Plans: PDP, MAPD, and Special Needs Program (SNPs)

+ Review Medicare Part D Plan bid assumptions for Regulated Medicare Part D Health Plans

+ Create analytics for Medicare Part D Bids substantiation for Desk Review and Medicare Part D audits

+ Utilize independent judgement and discretion to perform complex customized actuarial analyses for Part D Health Plans

Cross-Functional Financial Support

+ Collaborate with internal Express-Scripts business partners and external vendors to determine operation feasibility and financial ramifications of special programs

+ Apply distinct Part D subject matter expertise (SME) to facilitate analytics capabilities, measure performance and aid in problem solving, and creation of actionable insights for technical teams within Express-Scripts enterprise

+ Cross-functional collaboration within Express-Scripts enterprise Medicare Part D financial and operational strategy development. Examples include:

+ Advanced trend analytics

+ Medical Loss Ratio (MLR) / member profitability projections

+ Formulary Strategy

+ Clinical Analytics around prescription drugs pipeline products

+ Out of Pocket Cost

+ Member risk score analysis / benchmarking

+ Quantification of impact of regulatory proposals and changes

+ Regulated Part D Health Plan Financial Reconciliation Support

+ Assimilate macro and micro trends, develop benchmarks, gather competitive intelligence to develop market competitive strategies

+ Train and educate non-actuarial internal teams on Medicare Part D market financial and analytics components

**Qualifications**

+ Bachelor’s degree in Actuarial Science, Economics, Statistics, Finance or other quantitative field strongly preferred

+ 5+ years of actuarial experience or 3+ years of consulting experience

+ ASA (or near ASA) strongly preferred; FSA preferred

+ Part D Prescription Drug or Part D bid development consulting experience preferred

+ Regulated Markets Medicare Part D Experience Pharmacy Benefit Manager (PBM) / Healthcare / pharmaceutical experience preferred; consulting experience strongly preferred

+ Track record of managing multiple projects and teams that deliver client driven growth, insightful actions

+ Proven capabilities in modeling, forecasting, and predictive analytics

+ Strong communication and presentation skills; written/ verbal proficiency

+ Strong leadership skills

+ Coding skills in either SQL, R, SAS, or Python strongly preferred

+ Preferred: Extensive understanding of US Prescription drug supply chain and Medicare knowledge, with specific acumen in Part D, including but not limited to:

+ Part D Bid Development, Desk Review & Audits

+ CMS Regulatory Compliance / Reporting

+ Financial Reconciliation Modeling

+ Trend Analyses

+ Formulary Modeling Experience

+ Network Optimization Modeling

+ Rebates Modeling

+ Market Landscape analytics

+ Risk Score Modeling

+ Ability to gather and analyze information, execute a map and execute strategies designed to aid in growth of existing business and building of new businesses preferred

+ Ability to structure ambiguous actuarial and financial analyses, and synthesize and communicate complex analyses in simple and digestible data driven takeaways to internal and external senior leadership teams preferred

If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload.

For this position, we anticipate offering an annual salary of 109,400 - 182,300 USD / yearly, depending on relevant factors, including experience and geographic location.

This role is also anticipated to be eligible to participate in an annual bonus plan.

We want you to be healthy, balanced, and feel secure. That’s why you’ll enjoy a comprehensive range of benefits, with a focus on supporting your whole health. Starting on day one of your employment, you’ll be offered several health-related benefits including medical, vision, dental, and well-being and behavioral health programs. We also offer 401(k) with company match, company paid life insurance, tuition reimbursement, a minimum of 18 days of paid time off per year and paid holidays. For more details on our employee benefits programs, visit Life at Cigna Group .

**About Evernorth Health Services**

Evernorth Health Services, a division of The Cigna Group, creates pharmacy, care and benefit solutions to improve health and increase vitality. We relentlessly innovate to make the prediction, prevention and treatment of illness and disease more accessible to millions of people. Join us in driving growth and improving lives.

_Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws._

_If you require reasonable accommodation in completing the online application process, please email:_ _SeeYourself@cigna.com_ _for support. Do not email_ _SeeYourself@cigna.com_ _for an update on your application or to provide your resume as you will not receive a response._

_The Cigna Group has a tobacco-free policy and reserves the right not to hire tobacco/nicotine users in states where that is legally permissible. Candidates in such states who use tobacco/nicotine will not be considered for employment unless they enter a qualifying smoking cessation program prior to the start of their employment. These states include: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Ohio, Pennsylvania, Texas, Utah, Vermont, and Washington State._

_Qualified applicants with criminal histories will be considered for employment in a manner consistent with all federal, state and local ordinances._

**Company :**

Highmark Inc.

**Job Description :**

**JOB SUMMARY**

This job is an ASA Certified actuary position that initiates and leads the development of actuarial studies and analyses. Gives direction to less experienced staff and will represent the department's perspectives and needs in cross disciplinary settings. The incumbent applies actuarial techniques and statistical analysis to several functions, including insurance premium and pricing development, claim trend analysis, experience studies, medical economics, profitability analysis, wellness studies, predictive modeling, or claim reserving.

**ESSENTIAL RESPONSIBILITIES**

+ Define & diagnose a problem. Outline data requirements for a study or analysis and devise insightful and creative solutions. Uncover the root causes of problems and reject superficial explanations. Review the appropriateness of the results in light of experience and industry knowledge. Consider alternate explanations or viewpoints before drawing conclusions.

+ Initiate and lead the development of studies, analyses, and presentation materials needed to appropriately inform decision makers. Make appropriate recommendations to management across teams both within and outside of the actuarial department while understanding the implications and consequences to all stakeholders.

+ Proactively ensure the internal and external consistency of all work. Use advanced industry knowledge to both perform reasonability checks as well as exceed customer expectations. Identify methods to test whether suspect results are correct. Form reasonable approximations in advance of results of an analysis and determine whether deviations are reasonable or suspect. Clarify information as needed.

+ Take the initiative to utilize internal and external knowledge forums to gain broader industry perspective. Demonstrate subject matter expertise and as a result is sought out by others for technical input on producing accurate and efficient work. Promptly and efficiently identify outliers and anomalies in the work of others.

+ Exhibit a thorough understanding of both corporate and division goals and values. Apply corporate, professional, and industry knowledge & insight to all tasks under incumbent's control or influence. Use expertise to envision and implement innovative new processes and propose changes to existing processes, leading to improved outcomes that better conform to corporate goals, objectives, and values. Demonstrate a capacity to shift between “big picture” and “detailed” thinking when analyzing issues and their strategic importance.

+ Independently manage own time and resources across many projects. Demonstrate responsiveness, confidence, flexibility and ability to independently prioritize when shifting from one task to another. Comfortable in a dynamic, changing environment. Approach new challenges with anticipation and a view towards success. Identify emerging opportunities, establish project objectives, specify strategies, and organize necessary tasks. Keep manager informed.

+ Interact with stakeholders in a manner that fosters cooperation and teamwork while conveying engagement and competence. Enhance department influence by providing responsive service and understanding customer needs. Effectively and confidently present information and provide decision support to team members and executive management. Consider alternate points of view on issues, demonstrating sensitivity to others’ situations. Maintain positive, productive working relationships despite differing or conflicting situations and personalities. Correctly interpret direct and indirect messages and verbal and non-verbal behaviors and respond appropriately.

+ Engage, motivate, and mentor less experienced staff on a regular basis in a positive manner that fosters teamwork and excellence. Listen, take direction, accept criticism and feedback and adjust behavior accordingly to improve performance. Demonstrate flexibility and proactively take on additional work as needed by the team, leading by example.

+ Represent department's perspectives and needs in cross disciplinary settings, and negotiate appropriate compromises and solutions in a way that results in effective action. Tailor work to the needs of direct management and business partners and make recommendations that have an impact beyond their role. Assume responsibility for own actions and the consequences for actions undertaken and decisions made.

+ Other duties as assigned or requested. ​

**EDUCATION**

**Required**

+ Bachelor's Degree in Actuarial Science, Mathematics, Statistics or closely related field

**Substitutions**

+ None

**Preferred**

+ None

**EXPERIENCE**

**Required**

+ 5 years Actuarial experience in area of specialization

**Preferred**

+ Pursuing FSA exams towards FSA Certification

+ Prior pharmacy experience with a pharmacy benefit manager (PBM), consultant, pharmacy provider, or another organization specializing in pharmacy

**LICENSES AND CERTIFICATIONS**

**Required**

+ Associate of the Society of Actuaries (ASA)

**Preferred**

+ Fellow of the Society of Actuaries (FSA)

**SKILLS**

+ Possesses and applies a comprehensive and in-depth knowledge of actuarial principles, concepts, practices and processes within multiple fields or disciplines

+ Possesses significant expertise to complete complex assignments and ability to visualize, articulate, and solve complex problems while leading others to complete complex assignments

+ Develops, designs, and tests analytic frameworks to solve complex problems using innovative approaches

+ Assignments are broad in scope and require depth of knowledge as well as ingenuity and originality

+ Analytical Skills

+ Oral & Written Communication Skills

+ Problem-Solving

**Language (Other than English):**

None

**Travel Requirement:**

0% - 25%

**PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS**

**Position Type**

Office-based

Teaches / trains others regularly

Frequently

Travel regularly from the office to various work sites or from site-to-site

Rarely

Works primarily out-of-the office selling products/services (sales employees)

Never

Physical work site required

Frequently

Audible Speech

Constantly

Hear

Constantly

Position self or move lower on ground, under tables/desks, etc.

Never

Climb

Never

Drive

Occasionally

Reach

Frequently

Sedentary position

Frequently

Move

Frequently

Repetitive Motion

Frequently

Use Hands/Fingers to Handle or Feel (beyond just data entry)

Frequently

Vision – Distinguish Color

Frequently

Vision – Far, Near, Depth Perception

Frequently

Move, transport, transfer – up to 10 lbs (Sedentary Work)

Occasionally

Move, transport, transfer – up to 20 lbs (Light Work)

Occasionally

Move, transport, transfer – up to 50 lbs (Medium Work)

Occasionally

Move, transport, transfer – excess of 50lbs (Heavy Work)

Never

**_Disclaimer:_** _The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job._

**_Compliance Requirement:_** _This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies._

As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company’s Handbook of Privacy Policies and Practices and Information Security Policy.

Furthermore, it is every employee’s responsibility to comply with the company’s Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements.

**Pay Range Minimum:**

$78,900.00

**Pay Range Maximum:**

$147,500.00

_Base pay is determined by a variety of factors including a candidate’s qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets._

Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities, and prohibit discrimination against all individuals based on their race, color, age, religion, sex, national origin, sexual orientation/gender identity or any other category protected by applicable federal, state or local law. Highmark Health and its affiliates take affirmative action to employ and advance in employment individuals without regard to race, color, age, religion, sex, national origin, sexual orientation/gender identity, protected veteran status or disability.

EEO is The Law

Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled/Sexual Orientation/Gender Identity ( _https://www.eeoc.gov/sites/default/files/migrated\_files/employers/poster\_screen\_reader\_optimized.pdf_ )

We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact number below.

For accommodation requests, please contact HR Services Online at HRServices@highmarkhealth.org

California Consumer Privacy Act Employees, Contractors, and Applicants Notice

Req ID: J256310

Are you interested in working in a dynamic environment that offers opportunities for professional growth and new responsibilities? Are you interested in helping clients drive alignment with their business, improve organizational and human resource performance and establish a culture focused on adding business value? That is what the new generation of human resource transformation is all about. If you are seeking a role that offers you the opportunity to advise Government and Public Services (GPS) clients through critical and complex issues, while allowing you to develop personally and professionally, consider a career in Deloitte's Human Capital practice.

Work you'll do

As a Government Health Actuary - Consultant in Deloitte's Human Capital Actuarial and Insurance Solutions Practice, you will assist Deloitte Managers, Senior Managers, and Partners in providing strategic and technical consulting services to Federal and State governments, employer groups, and other public entities.

At Deloitte, you can be a part of the transformation of the health care sector. Deloitte's health actuaries are participating in the development of evidence-based medicine, social drivers of health, and the transition of payments from paying for what is done to paying for the value provided. These types of problems require actuaries who are not only technically strong, but also can be innovative, capable of addressing ill defined, complex problems and have a business orientation.

The team

Deloitte's Government and Public Services (GPS) practice - our people, ideas, technology and outcomes-is designed for impact. Serving federal, state, & local government clients as well as public higher education institutions, our team of over 15,000+ professionals brings fresh perspective to help clients anticipate disruption, reimagine the possible, and fulfill their mission promise.

The Organization Transformation offering (OT) focuses on transforming the organization (and the providers that serve them) to support its business strategy. This includes changing the organization's culture, modernizing specific functions and re-designing the structure of an organization. Organization Transformation can occur at the enterprise, business unit, or functional level, involves both employers and providers across the Human Capital ecosystem, and requires a combination of change management actions to execute the transformation.

Qualifications

Required:

+ 3 + years of health actuary experience and consulting and/or health plan/insurance company e-xperience

+ 1 + years' experience with Medicaid managed care capitation rate development and/or fee-for-service rate development

+ Ability to travel 25%, on average, based on the work you do and the clients and industries/sectors you serve

+ Bachelor's Degree Required

+ Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future

Preferred:

+ Experience leading and/or working with teams

+ Experience with Medicaid waivers (i.e., 1115, 1915 b/c, 1332)

+ Experience with risk adjustment mechanisms

+ Experience with health care reform and working knowledge of the individual medical and small group markets

+ Experience with Medicare products, including Medicare Advantage or Medicare Supplement products for various enrollee types

+ Experience with product design and/or product strategy

+ Experience with reimbursement models including value based care/ACO modeling

+ Ability to program using SQL

+ ASA with progression to FSA, FSA, or career ASA designation

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Deloitte, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is $80,550 to $134,250.

You may also be eligible to participate in a discretionary annual incentive program, subject to the rules governing the program, whereby an award, if any, depends on various factors, including, without limitation, individual and organizational performance.

Information for applicants with a need for accommodation: https://www2.deloitte.com/us/en/pages/careers/articles/join-deloitte-assistance-for-disabled-applicants.html

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.

Are you interested in working in a dynamic environment that offers opportunities for professional growth and new responsibilities? Are you interested in helping clients drive alignment with their business, improve organizational and human resource performance and establish a culture focused on adding business value? That is what the new generation of human resource transformation is all about. If you are seeking a role that offers you the opportunity to advise Government and Public Services (GPS) clients through critical and complex issues, while allowing you to develop personally and professionally, consider a career in Deloitte's Human Capital practice.

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Deloitte, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is $108,000 to $188,000.

You may also be eligible to participate in a discretionary annual incentive program, subject to the rules governing the program, whereby an award, if any, depends on various factors, including, without limitation, individual and organizational performance.

Work you'll do

As a Government Health Actuary - Senior Consultant in Deloitte's Human Capital Actuarial and Insurance Solutions Practice, you will assist Deloitte Managers, Senior Managers, and Partners in providing strategic and technical consulting services to Federal and State governments, employer groups, and other public entities.

At Deloitte, you can be a part of the transformation of the health care sector. Deloitte's health actuaries are participating in the development of evidence-based medicine, social drivers of health, and the transition of payments from paying for what is done to paying for the value provided. These types of problems require actuaries who are not only technically strong, but also can be innovative, capable of addressing ill defined, complex problems and have a business orientation.

The team

Deloitte's Government and Public Services (GPS) practice - our people, ideas, technology and outcomes-is designed for impact. Serving federal, state, & local government clients as well as public higher education institutions, our team of over 15,000+ professionals brings fresh perspective to help clients anticipate disruption, reimagine the possible, and fulfill their mission promise.

The Organization Transformation offering (OT) focuses on transforming the organization (and the providers that serve them) to support its business strategy. This includes changing the organization's culture, modernizing specific functions and re-designing the structure of an organization. Organization Transformation can occur at the enterprise, business unit, or functional level, involves both employers and providers across the Human Capital ecosystem, and requires a combination of change management actions to execute the transformation.

Qualifications

Required:

+ 4 + years of health actuary experience and consulting and/or health plan/insurance company experience

+ 1 years' experience with Medicaid managed care capitation rate development and/or fee-for-service rate development

+ ASA with progression to FSA, FSA, or career ASA designation

+ Bachelors Degree required

+ Ability to travel up to 25%, on average, based on the work you do and the clients and industries/sectors you serve

+ Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future

Preferred:

+ Experience leading team

+ Experience with Medicaid waivers (i.e., 1115, 1915 b/c, 1332)

+ Experience with risk adjustment mechanisms

+ Experience with health care reform and working knowledge of the individual medical and small group markets

+ Experience with Medicare products, including Medicare Advantage or Medicare Supplement products for various enrollee types

+ Familiarity with group insurance products including disability, long term care, etc.

+ Experience with product design and/or product strategy

+ Experience with reimbursement models including value based care/ACO modeling

+ Ability to program using SQL

Information for applicants with a need for accommodation: https://www2.deloitte.com/us/en/pages/careers/articles/join-deloitte-assistance-for-disabled-applicants.html

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.

Amentum is a global leader in advanced engineering and innovative technology solutions, trusted by the United States and its allies to address their most significant and complex challenges in science, security and sustainability. Headquartered in Virginia, we have more than 53,000 employees in approximately 80 countries across all 7 continents.

The Mission Solutions Group at Amentum seeks a **Pricing Analyst V** to lead activities associated with the development of cost/price proposals, including strategic planning, analysis, spreadsheet development, and budget analysis. This is a **remote-telework position** ; a candidate within driving distance to an Amentum HQ facility (Chantilly, VA, Fort Worth, TX, or Las Vegas, NV) is **preferred** or a candidate with the ability to **travel** **10-20%** is **preferred** . **US citizenship is required.**

**Principal Accountabilities**

+ Oversees cost/price volume responses for medium to complex proposals with minimal supervision

+ Prepares cost models, cost narratives and any other cost/price volume requirements

+ Ensures compliance with the estimating system manual as well as other policies and procedures

+ Performs quality assurance reviews to ensure that cost/price volume components are accurate and responsive to solicitation requirements

+ Develops and implements proposal strategies for achieving company objectives

+ Provides pricing guidance and support, as required, to field personnel performing pricing related activities

+ Acts as a mentor, coordinating and directing other members of the pricing staff on larger complex proposals

+ Interfaces with Operations, Business Development and Functional Support groups to obtain/develop data necessary for developing prices or other components of a cost/price volume

**Knowledge & Skills**

+ Understanding of proposal development and strategy that includes contract cost and pricing principles that translates efforts in acquiring new and follow-on business

+ Excellent communication and interpersonal skills

+ Ability to review and write pricing narrative responses

+ Extensive knowledge of Federal Acquisition regulations (FAR), Defense Federal Acquisition Regulation (DFAR), and Cost Accounting Standards (CAS)

+ Working knowledge of U.S. Government structure and agency acquisition procedures and policies for identifying and developing potential business opportunities

+ Extensive knowledge of the components of basis of estimates and bills of materials

+ Advanced Excel and mathematical skills

**Experience & Education**

+ Bachelor’s degree in an associated discipline; two (2) years’ experience in contracts or pricing may be substituted for each year of the four (4) years of college.

+ Twelve (12) years’ experience in cost proposal preparation or cost proposal development; relevant finance experience may be considered for some years in lieu of cost proposal preparation and development; 8 years’ experience with a Master’s degree.

+ Demonstrated ability to work efficiently under conditions of multiple deadlines and changing priorities to produce a large volume of high-quality material with keen attention to detail. Must be able to work extended hours, often with short notice, to meet deadlines.

+ **Travel may be required to an Amentum HQ facilities, anticipated 10-20% travel.**

+ **US Citizenship is required.**

+ Experience in base operations support, range operations, Space Force, NASA contracts is **preferred.**

+ A candidate within driving distance to an **Amentum HQ facility** (Chantilly, VA, Fort Worth, TX, or Las Vegas, NV) is **preferred.**

Amentum is proud to be an Equal Opportunity Employer. Our hiring practices provide equal opportunity for employment without regard to race, religion, color, sex, gender, national origin, age, United States military veteran’s status, ancestry, sexual orientation, gender identity, marital status, family structure, medical condition including genetic characteristics or information, veteran status, or mental or physical disability so long as the essential functions of the job can be performed with or without reasonable accommodation, or any other protected category under federal, state, or local law. Learn more about your rights under Federal EEO laws and supplemental language at EEO including Disability/Protected Veterans (https://www.dol.gov/agencies/ofccp/posters) and Labor Laws Posters (https://protect-us.mimecast.com/s/MI5TC2kqOqsOBPMVfnZ32U) .

**Your Future Evolves Here**

Evolent partners with health plans and providers to achieve better outcomes for people with most complex and costly health conditions. Working across specialties and primary care, we seek to connect the pieces of fragmented health care system and ensure people get the same level of care and compassion we would want for our loved ones.

Evolent employees enjoy work/life balance, the flexibility to suit their work to their lives, and autonomy they need to get things done. We believe that people do their best work when they're supported to live their best lives, and when they feel welcome to bring their whole selves to work. That's one reason why diversity and inclusion are core to our business.

Join Evolent for the mission. Stay for the culture.

**What You’ll Be Doing:**

Our Actuarial Team offers candidates the opportunity to support value-based healthcare across all lines of business, particularly in complex conditions such as oncology and cardiology. We are advocates for creating patient value and demonstrate this by ensuring that our financial arrangements are actuarially sound and sustainable. We value humility, adaptability, intellectual curiosity, and accountability as we solve complex business problems.

**Collaboration Opportunities:**

The Director, Actuarial Services utilizes and develops analytical tools to solve complex business challenges, as well as support decision making that can have a considerable impact on the organization and patient health. This role supports both medical cost management activities and business development efforts.

**What You Will Be Doing:**

+ Analyze claims and authorization data to identify trends, calculate cost of healthcare, and identify medical cost savings opportunities for customers

+ Perform rigorous actuarial modeling and forecasting to support gain/share and ROI arrangements

+ Incorporate business expectations for the financial impacts of clinical integration, population management processes, provider contracts, and benefit structures into rates and financial projections

+ Manage organizational risk through forecasting of financial/statistical data in a manner which is actuarially sound

+ Ability to lead and work independently with cross-functional teams in a fast-paced environment

+ Consistently deliver high-quality, error-free deliverables

+ Manage several projects at varying phases, and ensure projects meet strategic objectives and are managed to timelines

+ Interact with and coach teams of actuaries and non-actuaries, including support for team engagement and strategy

+ Present reports and analyses to clients and internal executives

**Qualifications - Required:**

+ Bachelor’s degree, preferably with a quantitative major (e.g. actuarial science, statistics, mathematics, economics, data science)

+ Associate or Fellow of the Society of Actuaries

+ 5+ years of experience in a health actuarial setting

+ Strong proficiency with Microsoft Excel

+ Demonstrated leadership abilities by managing and mentoring employees, while fostering a collaborative and high-performing work environment

+ Ability to communicate clearly with diverse stakeholders to solve problems, and ability to translate between business needs and analytical needs

+ Exceptionally strong analytical abilities, with track record of identifying insights from quantitative and qualitative data

+ Actuarial experience in value-based care across payers (Commercial, Medicaid, Medicare Advantage) **is not essential, however strongly preferred.**

+ Proficiency with query languages such as SQL or SAS is **strongly preferred.**

+ Experience in claims-based healthcare analytics to drive decision making **is preferred.**

**Technical Requirements:**

We require that all employees have the following technical capability at their home: High speed internet over 10 Mbps and, specifically for all call center employees, the ability to plug in directly to the home internet router. These at-home technical requirements are subject to change with any scheduled re-opening of our office locations.

**Evolent is an equal opportunity employer and considers all qualified applicants equally without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, or disability status.** **If you need reasonable accommodation to access the information provided on this website, please contact** **recruiting@evolent.com** **for further assistance.**

The expected base salary/wage range for this position is $130,000 to $160,000. This position is also eligible for a bonus component that would be dependent on pre-defined performance factors. As part of our total compensation package, Evolent is proud to offer comprehensive benefits (including health insurance benefits) to qualifying employees. All compensation determinations are based on the skills and experience required for the position and commensurate with experience of selected individuals, which may vary above and below the stated amounts.

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**Why USAA?**

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

**The Opportunity**

The USAA **Loss Reserving team** is seeking an experienced actuary to perform Auto Material Damage loss reserving projections. The ideal candidate will have loss reserving experience and experience with the Auto line of business.

This role is for a credentialed Actuary. You will leverage advanced knowledge in at least one actuarial practice area (reserving) to lead and complete broad, complex unstructured projects with countrywide product-level impact.

We offer a flexible work environment that requires an individual to be **in the office 4 days per week.** This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is **not** available for this position.

**What you'll do:**

+ Apply advanced actuarial knowledge to complete broad and complex projects (e.g., evaluates and selects methodology to price new discount/endorsement for countrywide rollout; develops alternative methodologies to comply with complex regulatory requirements; selects metrics and designs processes to monitor model performance; translates business problems into technical requirements and performs required analysis to develop solutions; independently runs catastrophe models and interprets and communicates results to support critical business activities, while enhancing the control environment as needed.

+ Utilize advanced actuarial, mathematical, or statistical techniques to augment actuarial work product.

+ Lead special actuarial projects, such as the development of new methodologies or reporting tools.

+ Train new team members on the theory and mechanics of relevant actuarial methodologies.

+ Apply deep understanding of products supported, stakeholders’ needs, and industry trends to solve unstructured business problems.

+ Identify and anticipate compliance gaps and process improvements; recommends and develops solutions to mitigate risk.

+ Represent Actuary in cross-functional efforts.

+ Develop written communication and presentations that effectively convey data-driven solutions to broad audiences, including cross-functional executive leadership.

+ Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

**What you have:**

+ Bachelor’s degree; OR 4 years of related Actuarial/business/analytical experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 4 years of Actuarial or analytical business experience.

+ Associate of the Casualty Actuarial Society (ACAS) Credential.

+ Demonstrated advanced skills with relevant actuarial, mathematical, and statistical techniques and approaches used to support fact-based decision-making.

+ Advanced knowledge of data analysis tools, data visualization, developing analysis queries and procedures in Python, R, SQL, SAS, BI tools or other analysis software, and relevant industry data & methods and ability to connect external insights to business problems.

+ Demonstrated experience communicating complex solutions and analysis to both technical and nontechnical audiences, including executive leadership.

**What sets you apart:**

+ Experience in Loss Reserving

+ Experience with Auto line of business

+ US military experience through military service or a military spouse/domestic partner

**Compensation range:** The salary range for this position is: $127,310 - $243,340 **.**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**Why USAA?**

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

**The Opportunity**

As a **Lead Actuary** on the Small Business Insurance team at USAA, you will play a pivotal role in strengthening actuarial and analytical capabilities. You will provide essential pricing support by developing new rating structures, conducting rate indications, and collaborating closely with underwriting and product teams to deliver key insights that drive business growth. This is an exciting opportunity to make a significant impact on a new business and contribute diverse actuarial expertise across key initiatives

This dedicated credentialed Lead Actuary will leverage expert, broad actuarial knowledge in at least one actuarial practice area (pricing, reserving, modeling, catastrophe risk, claims analytics, product management, etc.) to identify, define, and design solutions for complex, thought-provoking problems that drive business results at the LOB level.

This position can work **remotely** in the continental U.S. with occasional business travel.

**What you'll do:**

+ Apply deep and broad actuarial knowledge to identify, define, and design solutions to complex problems with ambiguous requirements (e.g., end-to-end design of rate level indications process for a new product; independently shapes and transforms all aspects of machine learning and AI for a product: (data selection, model selection, stakeholder communications, performance monitoring, etc.); independently runs catastrophe models for advanced ad-hoc analyses; provides guidance and training to peers for running and validating the catastrophe models; enhances current methodologies to tailor catastrophe model results to better represent USAA’s risk; designs and performs broad and complex actuarial analyses that produces actionable insights for company-level decision-making designs reserving methodology and technical platform for new product.

+ Utilize advanced actuarial, mathematical, or statistical techniques to augment actuarial work product, methodologies, and procedures.

+ Lead special actuarial projects, such as the development of new pricing methodologies or reporting tools to impact LOB-level initiatives.

+ Provide thought and/or technical expertise on complex topics and influences key stakeholders on business decisions.

+ Lead cross-functional actuarial initiatives.

+ Strategically partner with IT to influence the design, alignment, and implementation of technical business standards.

+ Manage USAA vendor relationship(s).

+ Assist the business unit with translating strategic objectives into tactical solutions.

+ Maintain current knowledge of market trends and emerging risks and proactively develops strategies, policies, and processes to address them.

+ Develop written communication and presentations that effectively to convey data-driven solutions to broad audiences including cross-functional executive leadership.

+ Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

**What you have:**

+ Bachelor’s degree; OR 4 years of related Actuarial/business/analytical experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 8 years of Actuarial or analytical business experience + Associate of the Casualty Actuarial Society (ACAS) Credential held for 3 years; OR 6 years of Actuarial or analytical business experience + Fellow of the Casualty Actuarial Society (FCAS) Credential.

+ Demonstrated expertise with relevant actuarial, mathematical, and statistical techniques and approaches used to support fact-based decision-making.

+ Advanced knowledge of data analysis tools, data visualization, developing analysis queries and procedures in Python, R, SQL, SAS, BI tools or other analysis software, and relevant industry data & methods and ability to connect external insights to business problems.

+ Demonstrated experience communicating complex solutions and analysis to cross-functional audiences, including executive leadership.

**What sets you apart:**

+ US military experience through military service or a military spouse/domestic partner

+ Experience developing pricing strategy for new products lines

+ Strong technical actuarial skills and ability to drive creative analytical solutions

+ Experience working with small commercial insurance products

**Compensation range:** The salary range for this position is: $164,780- $296,610 **.**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

At CVS Health, we’re building a world of health around every consumer and surrounding ourselves with dedicated colleagues who are passionate about transforming health care.

As the nation’s leading health solutions company, we reach millions of Americans through our local presence, digital channels and more than 300,000 purpose-driven colleagues – caring for people where, when and how they choose in a way that is uniquely more connected, more convenient and more compassionate. And we do it all with heart, each and every day.

We are seeking a highly skilled and strategic Sr. Manager to join our team at CVS Caremark. This role will be pivotal in collaborating with our underwriting organization to develop and implement innovative pricing strategies that drive value for our organization and our clients. The ideal candidate will possess a deep understanding of pricing models, market dynamics, and the ability to analyze data to inform strategic decisions.

**Position Summary**

Provides strategic direction in support of the organization's business goals and financial integrity. Collaborates with business partners to provide sound risk management advice.

+ **Strategic Development:** Lead the development of pricing strategies that align with CVS Caremark’s overall business objectives and market positioning. Identify opportunities for innovative pricing approaches that enhance profitability and competitiveness.

+ **Collaboration with Underwriting:** Work closely with the underwriting team to develop and integrate pricing strategies that reflect the organization’s objectives.

+ **Market Analysis:** Work with our business partners to identify trends and opportunities for differentiation. Utilize insights to inform pricing decisions and strategies.

+ **Data-Driven Decision Making:** Leverage data analytics to assess UW assumptions setting

+ the effectiveness of pricing strategies and make informed recommendations for adjustments. Monitor key performance indicators (KPIs) to evaluate the impact of pricing initiatives.

+ **Pricing Model Innovation:** Develop and implement new pricing models that drive value for both CVS Caremark and its clients.

+ **Cross-Functional Leadership:** Collaborate with various departments, including sales, marketing, finance, and operations, to ensure alignment and support for pricing strategies. Facilitate communication and knowledge sharing across teams.

+ **Stakeholder Engagement:** Present pricing strategies and recommendations to senior leadership and key stakeholders. Build strong relationships with internal partners to foster collaboration and support for pricing initiatives.

+ **Regulatory Compliance:** Ensure that all pricing strategies comply with relevant regulations and industry standards. Stay informed about changes in the regulatory landscape that may impact pricing.

**Required Qualifications**

+ 7+ years’ experience in analytics or actuary role within the PBM.

**Preferred Qualifications**

+ Adept at execution and delivery (planning, delivering, and supporting) skills

+ Adept at business intelligence

+ Adept at collaboration and teamwork

+ Mastery of problem solving and decision making skills

+ Mastery of growth mindset (agility and developing yourself and others) skills

**Education**

+ Bachelor's degree or relevant work experience.

**Pay Range**

The typical pay range for this role is:

$106,605.00 - $284,280.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above. This position also includes an award target in the company’s equity award program.

Our people fuel our future. Our teams reflect the customers, patients, members and communities we serve and we are committed to fostering a workplace where every colleague feels valued and that they belong.

**Great benefits for great people**

We take pride in our comprehensive and competitive mix of pay and benefits – investing in the physical, emotional and financial wellness of our colleagues and their families to help them be the healthiest they can be. In addition to our competitive wages, our great benefits include:

+ **Affordable medical plan options,** a **401(k) plan** (including matching company contributions), and an **employee stock purchase plan** .

+ **No-cost programs for all colleagues** including wellness screenings, tobacco cessation and weight management programs, confidential counseling and financial coaching.

+ **Benefit solutions that address the different needs and preferences of our colleagues** including paid time off, flexible work schedules, family leave, dependent care resources, colleague assistance programs, tuition assistance, retiree medical access and many other benefits depending on eligibility.

For more information, visit https://jobs.cvshealth.com/us/en/benefits

We anticipate the application window for this opening will close on: 04/29/2025

Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.

We are an equal opportunity and affirmative action employer. We do not discriminate in recruiting, hiring, promotion, or any other personnel action based on race, ethnicity, color, national origin, sex/gender, sexual orientation, gender identity or expression, religion, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.