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Advertising: Marketing Specialist - Newark, New Jersey

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Marketing Specialist - Prudential Financial _ga Cookie Value Careers-Job Search-Job DetailsJob Description - Prudential Financial Human Resources WT_FPC Cookie Value Skip to main content (Press Enter). Go to ************** - Continue an Application - Students - Talent Acquisition Partners - LinkedIn Opens in new window - Glassdoor Opens in new window - Facebook Opens in new window - Twitter Opens in new window Prudential Careers - Overview - A Focus on Talent - About the Company - Working at Prudential - Find a Career - Stories - Continue an Application - Students - Talent Acquisition Partners - LinkedIn Opens in new window - Glassdoor Opens in new window - Facebook Opens in new window - Twitter Opens in new window - Go to Prudential.comMenu Close Prudential Careers Search for Jobs Start of main content BACK TO SEARCH RESULTS Marketing - Newark, NJ Marketing Specialist - Job Details - Related Jobs - Resources About the position PGIM, the global investment management businesses of Prudential Financial Inc., is one of the world's leading money managers. With offices in 15 countries and over $1 trillion in assets under management, clients rely on our risk management expertise, intellectual capital and creative solutions to realize their investment objectives. Our distinct multi-manager model delivers a broad suite of actively-managed solutions in the areas of public and private fixed income, equities, alternatives and real estate to serve our clients' needs. We are passionate about delivering investment returns for our clients and dedicated to our greatest asset - our people. Learn more about who we are and how we can work together, please visit: ************ The PGIM Marketing team is looking for a Marketing Specialist to join our Marketing team. This position reports to the VP of Marketing, Head of Conferences and Sponsorships at PGIM. Primary responsibilities include working with the VP to manage and execute PGIM's Global conference and sponsorship plan in coordination with PGIM's marketing, communications, and Institutional Relationship Management team, as well as PGIM's partners within the Agency and Global Communications offices. This position is highly visible with senior leaders across PGIM who are stakeholders in PGIM's global conference program, and requires you to work closely with the VP and functional and business teams in ensuring deadlines and deliverables are met. It is critical that you be highly organized, a self-starter and be able to deal with multiple projects simultaneously.Conference & Sponsorship program Responsibilities: - Coordinate deliverables for sponsored conferences, which may include obtaining approvals of branded collateral, compiling biographical information of speakers and topic abstracts, and compiling conference marketing materials - Coordinate benefits and event programming connected with PGIM's Lincoln Center sponsorship - Working closely with the Director of Meeting Planning, assist with executing client-facing events including the Global PGIM Best Ideas Breakfast Series and other client events organized in conjunction with major sponsored conferences - Manage booking process for executive speaking engagements, including scheduling of prep meetings and organizing materials - Manage attendee lists and registrations for conferences, working with marketing groups within individual business units - Manage and update PGIM's Global Speaker's Bureau and coordinate incoming and outgoing requests for speaker appearances. - Follow up with conference and event stakeholders for qualitative feedback Administrative Responsibilities: - Track evaluation metrics for conference program for executive dashboard shared with senior management - Track budget expenditures for conference and sponsorship program; review contracts and invoices - Manage and update central conference calendar and email sent to functional and business heads throughout PGIM. - Coordinate calendar invitations for speakers and conference attendees, including preparatory meetings and calls - Create and update presentation materials and internal reports - Assist as needed with administrative needs for conferences and events, such as shipping materials, confirming registrations, and coordinating internal meeting schedules Qualifications Skills and Experience Required: - Bachelor's degree preferred or equivalent experience - 3+ years event coordination experience, including events within the financial services industry or within a marketing or events agency - Strong skills in Microsoft Word, Excel, PowerPoint and Outlook required - Good relationship management skills, with a flexible and diplomatic attitude - Knowledge of the asset management industry, services, distribution and market environment a plus - Strong time management skills with the ability to prioritize and lead multiple projects at a time under tight deadlines - Able to handle multiple priorities in a fast-paced environment - Excellent communication and collaboration skills - No travel required Prudential is a multinational financial services leader with operations in the United States, Asia, Europe, and Latin America. Leveraging its heritage of life insurance and asset management expertise, Prudential is focused on helping individual and institutional customers grow and protect their wealth. The company's well-known Rock symbol is an icon of strength, stability, expertise and innovation that has stood the test of time. Prudential's businesses offer a variety of products and services, including life insurance, annuities, retirement-related services, mutual funds, asset management, and real estate services. We recognize that our strength and success are directly linked to the quality and skills of our diverse associates. We are proud to be a place where talented people who want to make a difference can grow as professionals, leaders, and as individuals. Visit ****************** to learn more about our values, our history and our brand. Prudential 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. Note that this posting is intended for individual applicants. Search firms or agencies should email Staffing at ******************************* for more information about doing business with Prudential. Apply Now Email this Job Apply Now Email this Job Resources for Applicants - Tips for Success - Finding the Right Fit - Our Commitment to Diversity Apply Now Share this Job Related Jobs Director, Product MarketingMarketing - Newark, NJ Full Time Position - Job No: US 0003ZView Job Description Vice President, Chief of StaffMarketing - Newark, NJ Full Time Position - Job No: MAR000HKView Job Description Director, Marketing ManagementMarketing - Shelton, CT - Hartford, CT - Fort Washington, PA - Newark, NJ Full Time Position - Job No: ISG0003WView Job DescriptionSearch All Jobs Email this Job mailto:?subject=Prudential%20Careers & body=I%20thought%20you%20might%20be%20interested%20in%20this%20job.%20%0A%0AXXXX Prudential Careers Go to Prudential Prudential Careers - Overview homepage - A Focus on Talent - About the Company - Working at Prudential - Find a Career - Internships - Talent Acquisition Partners Connect on Social Media - LinkedIn Opens in new window - Glassdoor Opens in new window - Facebook Opens in new window - Twitter Opens in new window - Terms & Conditions - Accessibility Help - Privacy Center - Online Privacy Statement - Business Integrity - Social Responsibility - Diversity and Inclusion Warning: Misuse of Prudential name in fraud schemes. The views expressed by each employee is based on his or her personal experiences and opinions. An individual's own abilities, dedication, and achievements will have a direct impact on his or her success at Prudential, potential for professional growth, and opportunities for other careers at Prudential and its affiliates. Prudential 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. The Prudential Insurance Company of America, Newark, NJ and its affiliates. Prudential Financial, its affiliates, and their financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom. Pruco Life Insurance Company, an Arizona company - California COA # 3637. The Prudential Insurance Company of America - California COA # 1179. Prudential Retirement Insurance and Annuity Company - California COA # 08003 Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency - May Lose Value - Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate EEO IS THE LAWPDF file downloads or opens in a new window. People with DisabilitiesOpens in a new window Prudential is an Employer that participates in E-Verify. See the E-Verify notice.PDF file downloads or opens in a new window. Learn about your right to work.PDF file downloads or opens in a new window. Template: *******-00001-00 2016 Prudential Financial, Inc. and its related entities. ()
          

Professions: PGIM OS - Market Data Analyst - Newark, New Jersey

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PGIM O & S - Market Data Analyst - Prudential Financial _ga Cookie Value Careers-Job Search-Job DetailsJob Description - Prudential Financial Human Resources WT_FPC Cookie Value Skip to main content (Press Enter). Go to ************** - Continue an Application - Students - Talent Acquisition Partners - LinkedIn Opens in new window - Glassdoor Opens in new window - Facebook Opens in new window - Twitter Opens in new window Prudential Careers - Overview - A Focus on Talent - About the Company - Working at Prudential - Find a Career - Stories - Continue an Application - Students - Talent Acquisition Partners - LinkedIn Opens in new window - Glassdoor Opens in new window - Facebook Opens in new window - Twitter Opens in new window - Go to Prudential.comMenu Close Prudential Careers Search for Jobs Start of main content BACK TO SEARCH RESULTS Operations - Newark, NJ PGIM O & S - Market Data Analyst - Job Details - Related Jobs - Resources About the position PGIM, the global investment management businesses of Prudential Financial Inc., is one of the world's leading money managers. With offices in 16 countries and over $1 trillion in assets under management, clients rely on our risk management expertise, intellectual capital and creative solutions to realize their investment objectives. Our distinct multi-manager model delivers a broad suite of actively-managed solutions in the areas of public and private fixed income, equities and real estate to serve our clients' needs. We are passionate about delivering investment returns for our clients and dedicated to our greatest asset - our people. Do you want to be part of a multi-manager model that enables each business to maintain its own investment culture? Learn more about who we are and how we can work together, please visit: ************ Who We Look For: Prudential seeks a highly motivated individual as Market Data Business Management Analyst. This position covers all market data business management functions. The incumbent will be responsible for coordinating move, adds, or changes for market data services, submitting and reconciling invoices, updating the market data inventory and vendor management databases, soliciting feedback from end users for service renewals, coordinating due diligence meetings, updating the vendor due diligence database, and working with other team members to implement the onboarding and continual review of existing market data vendors. The incumbent will have direct interaction with internal investment professionals as well third-party market data vendors. Primary Responsibilities: - Responsible for maintaining the inventory of market data vendor services. - Responsible for maintaining the vendor archer database for market data vendor engagements. - Process moves, adds, changes for market data applications. - Submit and reconcile invoices against market data inventory. - Communicate and coordinate with various supported internal businesses, users and external market vendors. - Solicit internal feedback from market data end users for upcoming service renewals. - Prepare inventory reports using industry standard market data inventory control database. - Perform data reconciliation utilizing multiple sources. - Gather due diligence data from market data vendors. (e.g. vendor business continuation plans, SOC2/SSAE-16s, SIGs, other due diligence questionnaires, etc.) - Coordinate and schedule due diligence as well as other market data meetings and conference calls. Qualifications - 1-2 years of experience working within the market data business management, vendor governance, or third-party risk management. - Possess a working knowledge or some experience with market data vendors, (e.g., Bloomberg, Refinitiv, S & P Global, FactSet, Moody's, IHS Markit, ICE Data Services, Morningstar, etc.). - Knowledge of the financial industry. - Must be highly detail oriented, possess strong oral, written communications and data entry skills. - Able to work within a small group as well as independently. - Ability to multi-task in a fast pace environment. - Proficient in use of computer and software capabilities, with knowledge of Excel, Pivot tables, SharePoint. - Working knowledge of the Market Data Inventory System, FITS is a plus. - Working knowledge of Power BI or Tableau is a plus. - Bachelor's Degree in business or finance preferred. Prudential is a multinational financial services leader with operations in the United States, Asia, Europe, and Latin America. Leveraging its heritage of life insurance and asset management expertise, Prudential is focused on helping individual and institutional customers grow and protect their wealth. The company's well-known Rock symbol is an icon of strength, stability, expertise and innovation that has stood the test of time. Prudential's businesses offer a variety of products and services, including life insurance, annuities, retirement-related services, mutual funds, asset management, and real estate services. We recognize that our strength and success are directly linked to the quality and skills of our diverse associates. We are proud to be a place where talented people who want to make a difference can grow as professionals, leaders, and as individuals. Visit ****************** to learn more about our values, our history and our brand. Prudential 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. Note that this posting is intended for individual applicants. Search firms or agencies should email Staffing at ******************************* for more information about doing business with Prudential. Apply Now Email this Job Apply Now Email this Job Resources for Applicants - Tips for Success - Finding the Right Fit - Our Commitment to Diversity Apply Now Share this Job Related Jobs PGIM O & S - Trader Support SpecialistOperations - Newark, NJ Full Time Position - Job No: TRA000ANView Job Description Director, Annuity New Business Process ManagementOperations - Shelton, CT - Dresher, PA - Dresher, PA - Newark, NJ Full Time Position - Job No: PLA00096View Job Description Investment Accounting Specialist, PGIM Operations & SystemsOperations - Newark, NJ Full Time Position - Job No: SHO0000KView Job Description 2020 Workplace Solutions Group (WSG) - Group Insurance Data Analytics/Program Management InternshipOperations - Portland, ME Full Time Position - Job No: GRO000CBView Job DescriptionSearch All Jobs Email this Job mailto:?subject=Prudential%20Careers & body=I%20thought%20you%20might%20be%20interested%20in%20this%20job.%20%0A%0AXXXX Prudential Careers Go to Prudential Prudential Careers - Overview homepage - A Focus on Talent - About the Company - Working at Prudential - Find a Career - Internships - Talent Acquisition Partners Connect on Social Media - LinkedIn Opens in new window - Glassdoor Opens in new window - Facebook Opens in new window - Twitter Opens in new window - Terms & Conditions - Accessibility Help - Privacy Center - Online Privacy Statement - Business Integrity - Social Responsibility - Diversity and Inclusion Warning: Misuse of Prudential name in fraud schemes. The views expressed by each employee is based on his or her personal experiences and opinions. An individual's own abilities, dedication, and achievements will have a direct impact on his or her success at Prudential, potential for professional growth, and opportunities for other careers at Prudential and its affiliates. Prudential 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. The Prudential Insurance Company of America, Newark, NJ and its affiliates. Prudential Financial, its affiliates, and their financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom. Pruco Life Insurance Company, an Arizona company - California COA # 3637. The Prudential Insurance Company of America - California COA # 1179. Prudential Retirement Insurance and Annuity Company - California COA # 08003 Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency - May Lose Value - Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate EEO IS THE LAWPDF file downloads or opens in a new window. People with DisabilitiesOpens in a new window Prudential is an Employer that participates in E-Verify. See the E-Verify notice.PDF file downloads or opens in a new window. Learn about your right to work.PDF file downloads or opens in a new window. Template: *******-00001-00 2016 Prudential Financial, Inc. and its related entities. ()
          

Adobe aims to tap $128 billion opportunity in 2022

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Los Angeles: Adobe's stock went up after the software major announced robust earnings forecast for its fiscal 2020 that exceeded analysts' expectations.

The total addressable market for Adobe Experience Cloud is expected to increase to $84 billion by 2022, driven by increased demand for data and insights, content and personalisation, commerce, customer journey management and advertising, Adobe said on Monday.

The company forecasts revenue to reach $13.15 billion in the year beginning December 1 and digital Media segment revenue to grow over 19 per cent (year-over-year).

"Our strategy to unleash creativity, accelerate document productivity and power digital businesses is driving our growth and represents a $128 billion opportunity in 2022," said Shantanu Narayen, President and CEO, Adobe.

"Our expanding universe of customers, strong global brand, market-leading products and continued innovation positions us for a stellar 2020," he added.

At its core, Adobe's Creative Cloud strategy is about unleashing creativity for all, which is driving an increase in Creative Cloud total addressable market for 2022 to approximately $31 billion across creative professionals, communicators and consumers.

Adobe continues to benefit from the paper-to-digital transformation.

With trillions of PDFs created every year and approximately two billion Adobe mobile and reader users, the total addressable market for Adobe Document Cloud is expected to grow to $13 billion by 2022, said the software major.

Based on strong quarter-to-date performance, Adobe indicated it is raising its Q4 fiscal year 2019 Digital Media net new annualized recurring revenue (ARR) target to approximately $475 million, an increase of $25 million above its prior target.

Adobe also affirmed it is on track to achieve Q4 revenue of $2.97 billion.


          

Other: Personal Banker 1 -8th Street - Miami, Florida

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Job Description Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen. ?Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you. ?For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. ?In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.?Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.?Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. ?We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams. ?We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.? ? ??As a personal banker at Wells Fargo you will deliver exceptional customer experience, build relationships, and help consumer and small business customers succeed financially. You will engage customers in conversation and ask questions to understand what?s most important to them to allow you to provide product, service and digital options that align with their needs and help make banking easier for them.?Your responsibilities include:? Building relationships with customers through proactive outreach and follow up, asking questions and learning about their financial needs?? Deep knowledge of bank products and services and connecting those to customer needs?? Building relationships with branch team members and partners, allowing you to work together to best serve customers? Opening new accounts, completing service requests, and submitting credit applications? Inform customers of self-service digital options and demonstrate them to customers?? Helping to resolve customer concerns and escalating issues as needed? Serving as a risk leader and following policies and proceduresThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.??As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.??Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date. ? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo. Required Qualifications 2+ year of experience interacting with people, demonstrated through work, military, or education Desired Qualifications Customer service focus with experience handling complex transactions across multiple systems Experience proactively engaging with customers through outreach via phone or email Ability to influence, educate, and connect customers to technology Ability to help customers succeed financially by offering introductions to additional team members as appropriate Ability to meet or exceed performance objectives Ability to interact with integrity and professionalism with customers and team members Experience working with others on a team to meet customer needs Experience fostering and developing strong customer relationships Ability to build strong relationships with internal partners and customers Ability to follow policies, procedures, and regulations Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting Job Expectations Ability to work weekends and holidays as needed or scheduled This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary. Street Address FL-Miami: 169 Sw 8th St - Miami, FL Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
          

Comment on What’s Behind the Fed’s Bailout of the Repo Market? by Glenn Hautly

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All The current “bail out” of the “ENTERPRISES” (GSE, MBS and F&F) is costing taxpayers billions of dollars per day. Quote: 9/30/2019: FEDERAL HOUSING FINANCE AGENCY, director “The Enterprises are leveraged nearly 1,000-to-one, ensuring they would fail during an economic downturn – exposing taxpayers once again”. In response to this issue President Trump stated: “Fannie & Freddie should not be the responsibility of the Treasury Department”. Trump will be forced to end the bail-out and “sell” F&F to private financial institutions. Private institutions will not be making or buying long term mortgages given current economic realities: FALL This a repetition of 1933; (see page 3). The current economic slowdown and capital markets crisis is the “handwriting on the wall”. “Thursday (October 24, 2019), the Federal Reserve announced that they will nearly double the repo liquidity (Quantitative Easing; printing money) to $120 billion daily.” (This amounts to $2.4 trillion per month); from: https://seekingalpha.com/article/4299413-feds-not-qe-playing?ifp=0
          

State Contracts Mount for Aurigo’s Capital Project Software

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road construction

With its population and federal deficit both steadily growing, the United States is lagging on infrastructure maintenance. In its most recent “report card” assessment in 2017, the American Society of Civil Engineers gave U.S. infrastructure an overall grade of D+. The assessment found that in order to improve this grade and maintain global competitiveness, Congress and the states would have to invest $206 billion a year more than they currently do, and failure to do so could cost the U.S. GDP up to $3.9 trillion by 2025.

One of the largest software providers for capital program management, Aurigo, based in Austin, Texas, has been working behind the scenes to help governments chip away at this problem by guiding them through major projects from planning to completion and maintenance, making them more viable and less risky. And it has a lot of practice.

Founded in 2003, Aurigo launched at a time when mobile technologies like personal digital assistants and palm devices were starting to allow for the digitization of paper inspections. The company has since transitioned through various mobile-first strategies to its current cloud SaaS model, expanding from a single on-premises product, for project inspections and management, to 17 offered subscriptions.

Talking to Government Technology last week, CEO Balaji Sreenivasan called Aurigo the “best-kept secret in capital program management software,” but the scale of its business tells a different story. The company has had a busy year, contracting with the city of Houston Public Works Department in October to manage $2.7 billion in planned capital projects in 2019. The company also picked up several contracts in recent months with state departments of transportation: Nevada in February, Iowa in April and Montana in May; along with local government contracts with San Bernardino County, Calif., in July and the city of Durham, N.C., in September.

“People wouldn’t use our software to build a mall or a store, but they would use our software to build an entire state highway network, or an airport, or urban infrastructure in cities or counties,” Sreenivasan said. “Anything that’s very, very large-dollar, capital-intensive assets that are publicly funded would be delivered using our software, and we manage the entire lifecycle of that.”

Sreenivasan said the company employs close to 360 people to serve about 160 agency customers, most of which are large state departments of transportation, cities, counties or water authorities. He said Aurigo’s software has been used to plan and deliver close to $300 billion worth of capital programs to date.

The sheer logistics and regulations involved with projects of that scale are key to the company’s value proposition. Sreenivasan pointed out that regulations for reporting how money is spent, and if projects meet certain standards with respect to civil rights and minorities, have gotten increasingly stringent in recent years. Handling this without software can be a “nightmare,” he said, and doing it wrong can cause massive delays.

Sreenivasan said the breadth of what their software does also distinguishes it from competitors. He likened project management tools from Smartsheet, Procore and Microsoft Project to “very intelligent spreadsheets,” for helping contractors of small orders to collaborate and manage their tasks. But he said they won’t help a government plan and fiscally constrain a five-year capital infrastructure budget and generate reports for the governor’s office, build forecasts of when entire capital programs will get delivered, handle project-level accounting, and track whether the funding meets civil rights goals.

This is usually not feasible, Aurigo said, because data sets across different phases of construction tend to live in different silos, from planning to design to project management and maintenance. But Aurigo’s platform puts them in one place.

“The whole world is driving toward an integrated data (delivery) model, where data can flow seamlessly from one phase to the other. What we have done at Aurigo is to try and address that for almost all of the phases,” he said. “For phases that we don’t, we have (integration) hooks ... into ESRI systems, ERP systems, et cetera, so the goal is to have all of your construction data from planning through inspection in one single spot, or an integrated platform.”

This ability to interface with other systems has helped make Aurigo’s software an integral part of infrastructure planning by the city of Lincoln, Neb. But it took time to get there.

Tim Pratt, IT manager for Lincoln Transportation and Utilities, said the city had been using SiteManager, a product of the American Association of State Highway and Transportation Officials, when it made the switch to Masterworks, Aurigo's flagship product, in 2006. The city was in the middle of its biggest public works project ever, the Antelope Valley project, and Pratt said the conversion required considerable work from Aurigo, but the result has been fruitful. More recently, he said Masterworks has been able to integrate with other software his department uses such as Accela’s permitting program, an asset management program, and OnBase, an enterprise content management system by Hyland Software.

“We use that software (Masterworks) basically to manage our construction contracts … When we go to pay on these contracts, the pay estimates are generated out of Masterworks. Simply put, let’s say it’s a paving project, and you find out you need to put a water main in. It’s not going to let you pay for it, because it’s not in the project, until you do a change order,” he said. “Masterworks gives us great control on spending. Our construction observers and project managers get frustrated from time to time, but we make sure they don’t overpay.”

Pratt estimated the city spends between $120 million and $200 million a year on projects, and they track all of it through Masterworks. He said the process is a far cry from what he saw in the department in 1999, when everything was done on spreadsheets, under a dozen project managers who all had their own way of doing things.

“It’s kind of the core of what we do,” he said.

For some government customers, the catch is that Masterworks can cost as much as millions of dollars per year in software subscription fees. Aurigo aimed to address this earlier this year with a new SaaS, Essentials, that pares Masterworks down to fundamental construction management tools and a subscription price starting at $15,000. Sreenivasan doesn’t anticipate business declining any time soon.

“Infrastructure is one of the biggest growth areas in this country at this stage, regardless of what the federal government does with it,” he said. “We’re going to be building America for a while. Using technology and the latest cloud software is imperative for this country to get built the right way.”

Editor's note: A quote from Sreenivasan regarding integrations has been trimmed to correct technical language.


          

How to Safely Shop Online This Holiday Season

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The moment Halloween ended, the nation entered an earlier-than-ever holiday shopping season online that has already begun and won’t end until early January, 2020.

Why begin the holiday shopping season so early this year?

Since the Thanksgiving holiday weekend arrives late in 2019, Black Friday and Cyber Monday deals are already arriving with retailers launching a blur of discounts to try and make up for the perceived lost shopping days - when compared to the early Thanksgiving holiday weekend in 2018.

For example, CNET highlighted these Black Friday and Cyber Monday deals that actually start on November 7. Others have already begun.

USA Today revealed deals from Bed Bath & Beyond as well as Kohls deals.

Forbes provided these deals from Walmart, Best Buy and more. While Fox News proclaimed: “Black Friday is 3 weeks away right? Nope, it's here now.”

As I was doing research for this article, I learned that Black Friday has become a global event, with big sales as far away as China. Indeed, the Google analytics show worldwide holiday shopping trends that are complex, unique by industry and country. Overall, big increases are expected in search traffic – with some industries doubling. In the US, retailers see an 80 percent increase in their search traffic throughout November.

And the sales forecast news is generally very good for retailers according to Inc. Magazine:

“Cyber Monday is expected to pull in $9.4 billion this year, a $1.5 billion increase from last year's online sales tally for the Monday after Thanksgiving. The real detail retailers need to know? Thirty percent of all sales made this Cyber Monday, which falls on December 2, will likely be made in the four-hour window of 7 to 11 p.m. Pacific time.

That's according to Adobe Analytics' Holiday Forecast 2019, which analyzed data on trillions of visits, products, and transaction data from U.S. retail websites. Adobe also surveyed more than 1,000 U.S. consumers in October as a companion to its findings.

The report notes that retailer conversion rates, which measure the number of people who visit a website and then make a purchase, are predicted to double during the four-hour surge in sales. Adobe says these ‘golden hours of retail’ are due to ‘deal FOMO,’ or the fear of missing out on last-minute deals near the end of the day.”

Beyond Black Friday and Cyber Monday: A Wider Holiday Sales Trend?

And taking a big step back there are several significant trends developing as we head into the 2020s. While Black Friday sales within stores remain a robust and huge part of holiday shopping, a new cybermania is emerging which extends well beyond Cyber Monday. (We may even need a new name – any ideas?)

CNBC recently reported that Cyber Monday will excite shoppers more than Black Friday. Here are some highlights:

Deloitte finds 53 percent of people will rely on Cyber Monday for discounts, while 44 percent say they’re planning to snag promotions on Black Friday this year. Deloitte’s annual holiday study also finds shoppers are expected to spend $1,496 per household this holiday season. The bulk of spending, or $596, is going toward experiences like travel and dining out.

Business Insider offers this very helpful piece which answers the frequent question: Is Black Friday or Cyber Monday Better (for sales)? Here’s an excerpt:

“A good rule of thumb is that Black Friday is a better time to buy newer, big-ticket items. It's also the best day to shop in stores. Cyber Monday is a better day to shop for tech deals and smaller gifts. You'll also see slightly better discounts online.

For items you're likely to buy once a year or less, you'll probably find better discounts on Black Friday. Anything you'd buy as a gift will likely see better discounts on Cyber Monday.”  

Online Safety and Security First

But regardless of when you go online to do your Christmas shopping this holiday season, there remain some tips that can help you stay safe and secure - beyond the frequent calls to change your profile password (or not use the same password) at websites.

To begin, a bit of history. This topic is certainly not new, and many of the themes and basic questions are the same as a decade ago. You don’t want to get disciplined at work for violating policy, so be sure to know what’s allowed and what isn’t allowed.

I find it interesting to look back to where we have been, and compare behaviors to office life today with articles and blogs from a decade ago on Cyber Monday.  

Here are a few relevant examples from the past:

CSO Magazine: Encourage Cyber Monday or Grinch.exe? and Cyber Monday & Redefining Acceptable Use – Again

Government Technology Magazine: Web Sites Struggle on Black Friday: Cyber Monday is Next and Cyber Monday: Are you shopping from work?

Nevertheless, most organizations have loosened their holiday shopping policies and now permit employees (even government employees) to shop at appropriate times over the holiday season on work computers (usually during breaks).

So here are some of my favorite tips to help whether at home or work:

1. Moneycrashers.com:  Avoid Sites With Poor Security Practices –

“Don’t gamble with your identity. Stay away from retail sites with lackadaisical security practices. Two key practices stand out in particular: SSL certificates and Verisign domain protection.

SSL is an encryption protocol that renders it much more difficult (though not impossible) for bad actors to steal payment card information and other personal data during the payment process. Look for “https” at the beginning of the site’s URL. You should never enter payment card information on non-“https” pages, period.

Verisign provides site administrators with a modicum of protection against hacking attacks and malware. Like SSL, it’s not foolproof, but it helps. Sites without Verisign protection are vulnerable to man-in-the-middle attacks, spoofing, and other types of cybercrime.

If you don’t already, consider using a web browser that can identify potentially compromised websites. …”

2. Vitalchek.com – Offers ten basic safety tips for online and offline life. Here’s one that important:

“Use a credit card for your online purchases versus other payment methods. Almost all credit cards have fraud protection, meaning if there is a data breach and your card’s information is taken, you won’t be held responsible for any of the charges. If you are involved in a fraud situation, your credit card provider will handle this and send you a new credit card. The same courtesies may not be extended from other online payment methods like an electronic transfer from your bank account.”

3. State Farm – Offers tips for in the store, in your car and online. Here are their online tips:

Stick to retailers you know and preferably, have shopped with before. Research a business you haven’t purchased from before by checking customer reviews or complaints with the Better Business Bureau. Never commit to a deal that seems too good to be true. Refrain from using pubic Wi-Fi to make purchases, or use a VPN to avoid hackers intercepting your information. Check a webpage’s security by looking for the lock icon in the URL field, and making sure the URL starts with “https”, not just “http”. The “s” means the site is safer and more secure.

Final Thought

One thing to keep in mind is that many people have heard these tips before, but let their guard down over the holidays when rushing for an online deal that is about to expire. Also, people will go places they don’t normally go this time of year to save on presents or get the best deal.

So even if you think you know all of this, double-check to make sure that everyone in your family (and in your office) is following best practices.

Happy shopping.


          

Tax Interactions in Senator Warren’s “Medicare for All” Proposal Would Reduce Potential Revenue

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A new proposal from Senator Elizabeth Warren (D-MA) to fund a $20.5 trillion increase in government health-care spending for a single-payer system overlooks how taxes interact and how they affect economic incentives. Her plan would create or increase many different taxes, but the proposal does not account for interactions across the different tax types. In […]
          

11/7/2019: Business: C

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aught between a client seeking a $2 trillion valuation and sceptical foreign investors reluctant to pay anywhere near that amount, the banks working on Saudi Aramco’s initial public offering went for compromise: tell both sides they’re right. The...
          

Comment on The Real Stock Market Is Declining by sam fetters

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Average EPS for stocks is still at the low end of historical averages, despite trillions in corporate stock buybacks (which have served to boost EPS). Yet P/E is nearing record highs. I'm still willing to bet stocks will follow a pattern similar to Bitcoin, wherein a few large holders drive pricing higher via consolidated holdings, drawing others in (seeking to share the "rally"), then sell after enough others have bought in at the peaks. The suckers game continues... This is what happens with highly-concentrated wealth. A few have the ability to manipulate.
          

Nigeria will save a trillion Naira from deregulation of oil sector- Gov Abiodun

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Governor Dapo Abiodun of Ogun State  has stressed the need for the deregulation of the oil sector to make funds available, especially for the provision of basic amenities to the people. The governor  who stated this when he received members of the Depot and Petroleum Marketers Association of Nigeria (DPMAN) on a courtesy call in ...

The post Nigeria will save a trillion Naira from deregulation of oil sector- Gov Abiodun appeared first on The State Online.


          

2019-42528 - Fund Administration H/F

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Entity : CACEIS is the asset servicing banking group of Crédit Agricole dedicated to institutional and corporate clients. Through offices across Europe, North America and Asia, CACEIS offers a broad range of services covering execution, clearing, depositary and custody, fund administration, middle office outsourcing, forex, securities lending, fund distribution support and issuer services. With assets under custody of €2.6 trillion and assets under administration of €1.7 trillion, CACEIS is a European leader in asset servicing and one of the major players worldwide (figures as of 31st December 2018).
Business type : Types of Jobs/Asset Management
Contract type : Fixed-Term Contract
Job description :
Cette description est informative et non pas exhaustive des tâches inhérentes au poste de travail. Quotidiennement • Calculer les valeurs nettes d'inventaire de fonds d'investissement (suivant répartition établie par le management): comptabiliser les mouvements cash comptabiliser les souscriptions et rachats comptabiliser les transactions sur titres et autres produits Financiers valoriser le portefeuille et vérifier les variations de cours • Gérer l'interaction avec les autres départements. • Contrôler avec précision le résultat des règles Fastcheck. • Contrôler avec exactitude les rapports sur base des procédures ou des demandes du management. • Mettre à jour les différents documents opérationnels Word, Excel et autres (, réconciliations, -, performances fees) • Remettre les dossiers au Team Manager ou à l'Assistant Team Manager • pour validation. • Communiquer correctement et ponctuellement les prix par part et autres informations aux clients et intervenants. • Classer et archiver des documents selon la procédure • Procéder aux réconciliations suivant l'outil adapté (Fastmatch/fichier xls) Périodiquement • Calculer les valeurs nettes d'inventaire non journalières. • Contrôler l'adéquation des positions cash comptabilité / banque dépositaire et régler les éventuels suspens. Pour tous les process ci-dessus, le Fund Administrator doit alerter sa hiérarchie en cas de réclamation d'un client ou en cas de problèmes organisationnels ou opérationnels.


City : Brussels
Minimal education level : Bachelor Degree / BSc Degree or equivalent

          

China's Richest 2019: Growing Consumer Appetite Boosts Fortunes Of Nation's Wealthiest

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The total wealth of the 400 members of the China Rich List rose by more than a fifth from a year ago, to $1.29 trillion, as China’s consumers spent more on everything and spent more of it online.
          

"After nearly two decades, every purported objective used to justify our wars in the Middle East has..."

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“After nearly two decades, every purported objective used to justify our wars in the Middle East has been upended. The invasion of Afghanistan was supposed to wipe out al-Qaida. Instead, al-Qaida migrated to fill the power vacuums the deep state created in the wars in Iraq, Syria, Libya and Yemen. The war in Afghanistan morphed into a war with the Taliban, which now controls most of the country and is threatening the corrupt regime we prop up in Kabul. The deep state orchestrated the invasion of Iraq, which had nothing to do with the attacks of 9/11. It confidently predicted it could build a Western-style democracy and weaken Iran’s power in the region. Instead, it destroyed Iraq as a unified country, setting warring ethnic and religious factions against each other. Iran, which is closely tied to the dominant Shiite government in Baghdad, emerged even stronger. The deep state armed “moderate” rebels in Syria in an effort to topple President Bashar Assad, but when it realized it could not control the jihadists—to whom it had provide some $500 million in weapons and assistance—the deep state began to bomb them and arm Kurdish rebels to fight them. These Kurds would later be betrayed by Trump. The “war on terror” spread like a plague from Afghanistan, Iraq, Syria and Libya to Yemen, which after five years of war is suffering one of the world’s worst humanitarian disasters. The financial cost for this misery and death is between $5 trillion and $8 trillion. The human cost runs into hundreds of thousands of dead and wounded, shattered cities, towns and infrastructure and millions of refugees.”

- The Enemy Within
          

Will the $1 Trillion Budget Deficit Hurt US Equities?

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Third-quarter earnings are humming while the economy seems to be drumming along despite some market analysts signaling that a recession could be a year or two away. Inverted yield curves from the bond market, a reliable recession indicator, could be a sign and the ballooning budget deficit could be another, which could hurt U.S. equities in the long run.


          

Entropic creep revisited

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A complex factory and a teeming metropolis combined, busily devoted to constructing, repairing and maintaining its systems to ensure that it delivers its support to the mega system. A frenzy of electrical energy that, if scaled up to visible dimensions, would represent the energy of a lightning strike. It works to a plan that all parts understand is part of the grand architecture”.

 

What is being described here is a living cell, of which you typically have some 10,000 trillion in your body. And as long as you are alive, they are all working pretty well. They work hard to ensure that your energy and survival remain at a sustained level. In another way one could conclude that the system entropy remains low as there is normally no degradation until we actually expire. Even then, at atomic level, the parts rush off to work elsewhere.

 

While the body collective is at work, it will be receiving energy in the form of sustenance to feed the cells. As long as we feed in sufficient energy, we will get work output. If we overwork and take out of the system more than we put in, the active system will die.

 

In this exercise we will assume that the system is the SA economy with all its persons acting as the cells, the actions of which should be planned by a cohesive design to create the energy such that its consumption is less that its production. That design would be the rules and practices set up by those in the role of having been elected to do so. The problem arises when the architecture is flawed and fails to provide a net energy growth by suitable conversion.

 

This is a long way round, couched in technical speak, that implies that the model in question is running out of money and all indications are evident that it will do so within the next 2 to 3 years. The intervening circumstances however will be horrendous.

 

We need a built environment to provide the right conditions for the people to generate the energy (wealth) to sustain the system. We as a nation are in serious trouble with the deterioration in the number and type of projects that build the economy. Engineered projects are not happening. The commodities base of the historic economy is dying, if not already dead, and the downstream activities are starved of action including the EPCM, EPC, contractor, supplier and service roles that have been the backbone of the SA economy for 100 years. We are witnessing more retrenchments in our measured scarce resources than take-ons. The result is scary to watch and many facing the situation are seeking opportunity outside SA. Our own policy makers seem to believe it is all the global economy’s fault and wallow in their comfort while the citizens face accelerating hardship of unemployment and despair. If we ever, by some magical formulation, reverse the rot and start to provide a growth path, we will then, like an ironic twist, face the biggest skills’ scarcities ever. We do not have the project environment to enable our young engineering resources to train and gather experience. Thus the centre of gravity of the useful, experienced resources is perceptibly now in the 50-70 age group who we must utilise as Mentors and Coaches for the younger resources. But where are the projects?

 

What can we as the engineering intellectuals of SA do about this? For decades we warned about the electricity crisis and have been doing so about the water situation and lack of infrastructure maintenance which is now emerging as predicted. It was ignored. How do we get the message of entropic creep into the minds of government? We know it is probably beyond their comprehension to understand anything with a thermodynamic flavour which is why we endeavour to provide “simple” analogies.

 

Foreign investor attitude is changing: billions of dollars that were directed into our shares and bonds over the past two decades are being withdrawn. When the tax base revenue declines below the endemic ability of the government to spend on so much non-productive activities, we will of necessity have to go cap in hand to the IMF. That will change the rules of the game by force.

 

Try messing with the proven mechanisms of a living cell. It is usually catastrophic.

 


          

Do we have a Trump card?

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I have been watching with interest the nomination process that is happening in the USA particularly with the Republican Party bun fight for their nominee. The debates are prolific with typical political innuendo and the desire to try to convince the public to accept each partys’ policies or attempts to have any. A rather grey bunch of the inevitable professional political candidates all seeking to make a living off the taxpayer by being elected to a nice paid position without ever really having to get any action to meet the word.

One exception has emerged in the person of Donald Trump. This has caused a great deal of anxiety in the ranks of the republicans and it seems Democratic Party as well. A number of reasons have caught the voters notice; he is not a politician being sponsored and influenced by election funding from future lobbyists and superPACs, he is self-funding his campaign, he has proven he is a successful businessman, he employs thousands of people including legal status Hispanics, and he is the only candidate who has raised the matter of illegal immigrants and bringing jobs back to the USA.   He has adopted a campaign message stated as “Make America Great Again”. What is striking is that his policies do not align with the traditional republican mandates. He is clearly showing the value of leadership and how desperate the people are for it. He is creating a movement.

The press has displayed its traditional biases but are finding it a challenge to have to accept his domination in the poll results so far. As Trump keeps pointing out in his speeches, the USA has a debt load of nineteen trillion dollars and growing as its trading partners keep having trade deals loaded in their favour. This seems to have missed the notice of all the other candidates. 

What if any message does this have on SA? It is not a trivial indication that the voters are fed up with political inaction and ineptitude. The real concern voters have is lack of jobs. Not too different from our situation. What is striking is that in the recent ANC’s national gathering to review progress and future action, the economy and jobs did not even get onto the 7 item “action” list. 

Daily we watch SA business shrinking into losses, projecting an uncertain future and now retrenching the skilled resources (largely engineering) that formed a major part of the scarce skills lists published (again) following the tabling of the stillborn National Development Plan. The most obvious question is how does SA handle the collapse of the resources and commodities bubble? It really did not effectively participate in the commodities boom since 2008, hamstrung by policy uncertainty, labour strikes and power shortages, so there was little if any funding stored away for the present rainy day. Where is a replacement strategy?

If one follows the logic outlined in RW Johnson’s recent book on “Can South Africa survive?”, it is going to require a very concerted and effective policy and strategy change to get us out of the declining trend which may inevitably go the way of Greece, and possibly going cap in hand to the IMF.

Does SA have a Trump who can get up and take a bold stance against our over politically mandated economy and lead SA out of our mess and into a promised land?


          

For whom the bell tolls…

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You are a Mechanical Engineer. You work in the South African industry. It would be hard to find any activity that is some way does have some connections with the South African mining industry. Connections take the form of user of the mined commodity, supplier of equipment, supplier of services, and ultimately has some dependence on the value that mining adds to the GDP of the country. If you are part of a consultancy, a project management group, a construction company, a financial group and countless businesses from large multi-million Rand organizations to SMEs, it is very likely you will have connections with the mining industry. Mining flows in the veins of South Africans and so it should. We have been told that, following a Citibank survey, we literally sit on an un-mined value of some $2.5 trillion in commodities. The largest in the world.

Just what did we do with this asset that has been given to us for free and left to our collective responsibility as a result of our being the residents and citizens of the country? The early pioneers started out bravely, successfully investing money, technology, hard work and facing unprecedented risk head-on to build and place South Africa at the top of the gold and diamond production world-wide. We have some 80% of the world’s known platinum ore and a good deal of most of the others. We pioneered the mining of high-ash content coal and assisted in the design and development of boilers that can burn it effectively and efficiently to evolve some of the best and most admired and low cost six pack power stations in the world that supported the mining industry. In the early nineties we had some 800 high tech researchers across the board tackling challenges in the mining industry. We thankfully still have a flourishing mining supply industry that designs and builds bespoke equipment to service the industry here and internationally. We had the best Mining Engineers in the world, lots of them, and the older ones mentored the younger ones as a matter of course. We were King of that shining castle.

Take a snapshot today. What comes to mind? Marikana, closed platinum shafts, strikes, poor worker living conditions, reducing productivity, rapidly rising input costs, electricity prices rising at a rate to not only render a lot of mining uneconomic, but a lot of industry as well. We have dropped in the league of gold mining countries from first to fifth. Where are many of our talented mining resources? They are now running the mining industries in Australia, Canada, South America and Central Africa. Our research group has dropped by a factor of ten. International investors are openly advising that we do not really feature on their screens at present: the unchecked talk of nationalization, the regulatory confusion created by the MPRDA and SIMS reports has taken its toll. Perceptions are real, not imaginary as the Department of Mineral Resources (DMR) seems to think.

In my book, if the rule applies that those who set the rules and call the shots must be accountable, then that lies fair and square with the DMR. It is not surprising that we see these debacles in the mining, energy, education, health, security and infrastructure functions in South Africa. When the goal is political power at all costs ably assisted by inexperience and an illiterate and innumerate voter support base, then do not be surprised when a competitive nation declines to mediocrity.

If anyone can propose a solution to extricate ourselves from this mess and turn ourselves up again, then we need all the help we can get. Otherwise the bell tolls for thee.


          

The crucial importance of the mining industry

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Most commentaries on the status of the mining industry in South Africa refer to the decline in our rankings within the international comparisons. Mining is essentially the industry that developed the SA economy and which spawned the support industries that provided the equipment and services.

Our unique Government Certificate of Competency evolved from the early 1900s to develop safer working conditions and improved skills for the activities of the mining industry. A recent international survey ranked SA at the top of the list for the value of minerals in the ground at the awesome figure of R2,5 trillion, well ahead of Russia in second place. With such credentials we have, however, declined in our competitiveness as growth markets have increased the demand for resources. We effectively lost out on participating in the last resources boom that witnessed countries such as Australia, Canada, many in Africa north of us and many in South America actively rise in the provider stakes. Various reasons are debated for this, but the most frequently identified are poor and slow policy making, the references to nationalization, the reduction in our capacity for research and development and the accompanied loss of experienced skills. In more recent times, the sudden increase in energy costs and industrial strike action have added to the reversal in our competitiveness.

In September the next Electra Mining exhibition will be held which is one of the largest of its type internationally, and which from all accounts, will be well supported. In particular the action in Africa north of us is significant and we have seen many of our project management, design and construction skills moving to manage these northern projects. Some of our EPCM companies have such projects that make up the bulk of their order book. Further afield, estimates put the human resources running the Australian mining industry to be over 50% of South African origin.

With the slump in the platinum price which has placed a number of mines on a caretaker basis or a scramble to try and manage with fewer contracted resources, can the stakeholders, being investors, government, and the mining industry address the skills issues that are even in the present circumstances in short supply? Most of those with whom I interact express the fear about what are we going to do when the lights really come on again - once the European and American recessionary conditions change and the world demand for minerals resumes?

Reports on the diminished R&D capacity and skills in the research establishments, that in the 80s and early 90s were world leaders in mining research and development, are of great concern as the ability to innovate disappears. Clearly mining activity also depends on reliable infrastructure and good logistics which are not well positioned either at present.

In the vein of " ‘n boer maak a plan” in which South Africans have shown an adept ability, can we tackle this huge challenge and get our competitiveness on the rise? It cannot be beyond our ability and willingness to do some serious mining skills development together with that needed across the whole engineering domain. It is time we saw some next steps in the action territory after the publication of the diagnostic report of the National Planning Commission. It could be in danger of becoming another book shelf study.

We really need to curtail our incessant, negative outlook on this state of affairs and try to get collective, positive group action to turn our mining status around. However, from where will this be triggered and what will catalyze the process?

Perhaps the Electra Mining event could energise some reality here. The SAIMechE is to facilitate the first of its Soap Box sessions which will be interesting to watch. Let’s hope the speakers will be able to address some of these issues and spawn some industry enthusiasm to make things happen. One can safely say that the survival of South Africa depends on it.



          

That was the year that was

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An interesting year, that puts it mildly. How else would one describe a year where the global economy has the sign of regressing into a second recessionary phase, the USA and Europe playing dangerously close to debt collapse, the Arabian spring syndrome spreading globally, the biggest earthquake created Tsunami in our history with its subsequent nuclear event, an observable widening of the wealth gap both in SA and internationally, and our own political scenario showing quite clearly government capacity to do anything constructive is deteriorating further.

Locally, from the perspective of engineering resources, a somewhat dichotomous situation exists. The scenario would be quite impossible to have envisaged let alone planned. Following what appears to be a world-wide trend, infrastructure in SA has been neglected, used and not maintained to the point where much of it must be in need of full replacement. A lot of the manufacturing industry is talking of reaching a point where SA appears to be de-industrialising, Eskom’s six packs under construction get later each month, and there is a "shortage” of skilled and experienced engineering resources. The use of the word shortage needs to be qualified as there are many retired or retrenched resources that are fully able to deliver but are overlooked for social or customary reasons of age. Adequate training up of new resources is dismal. The well used metric of Engineers per million head of population must make some sense as we are in the lowest league here and I guess it is both confirmed and its impact evident in the abysmal lack of technical resources in government, provincial and municipal structures. If one is envisaging a turnaround in infrastructure status, then where are the resources to achieve this going to come from? Who is going to be acting in the role of the Owner’s Team for major infrastructure projects?


PPS recently published a finding that some 600 professionals were leaving SA a month, many of these engineering resources essential to build our own environment. Included in these are mining and project management skills that are leaving our commodities industry to boost those in Australia, Canada and South America in particular. With an estimated R2,5 trillion of mining wealth buried in our SA earth awaiting recovery and even beneficiation, this loss is almost self inflicted damage. If government does not sort out the noise on the nationalization issue, more losses will occur through the realization that it will seriously deplete the mining industry and expand unemployment.

We are producing many graduate Engineers, Technologists and Technicians that are unable to usefully progress into positions where they are trained and mentored to become competent and productive resources. Unless the recent strategic advisory and action committees being developed by ECSA together with the Voluntary Engineering Associations are able to progress rapidly to a point of active execution, the situation will simply deteriorate further. This requires the essential and proper use of the skills development levies paid to the national skills fund that have accumulated and not been used through sheer bureaucratic lack of vision and mismanagement. Herein lies the opportunity for many retired or semi-retired engineering resources to participate on a paid basis as mentors in properly managed, competency-based outcomes training and development programmes.

Engineering resources remuneration levels are rising. Supply and demand is driving this as particular positions become seriously underprovided with candidate options. How should a business that requires the right people in the right place at the right time go about recruiting resources? When supply is erratic or constrained, then focus on the constraint and subordinate other activities to it. Find the buffers to protect the constraint from starvation or blockage. A supply buffer will be the provider who has access to the best database and network of resources and who can filter out the signal from the noise of the conventional practice of multiple inappropriate CVs from multiple providers all drawing from the same pool. Change HR’s customary structures. Engineering business should look hard at their people procurement practices.


          

Our World after the World Cup (Aug 2010)

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My greatest hope is that the evident, positive and extraordinary atmosphere, energy charge and positive outlook that have emerged as a result of the way we staged the World Cup will serve to enable us to believe in ourselves and our abilities to reach the best standards for SA. Every citizen, and in our case, every engineering resource, has the opportunity and an obligation do something to get a new show on the road. We simply must not fall into a state of post-party hangover or depression, or back to business as usual.

I am personally tired of observing and commenting on so much of our past failures in this leader column. How many of them are actually easily enabled to be turned around and developed for the benefit of SA citizens? If we can project manage the WC with all its first-time challenges, why can't we get the relatively straight forward function of municipal service delivery right? The root cause is clear. Get rid of lousy, incompetent, unqualified, corrupt management; fire the officials who seem incapable of delivering, and are misusing funds. No more paid suspension and jobs for pals. But let's do it. Time to get private power producers going. Time to get the Acts amended that mess our potential to exploit our minerals. Time to get effective engineering training going. Get measures agreed to radically reduce the massive unemployment level. We will go bankrupt at the rate we pay more receivers of social benefits than have jobs. Reducing unemployment is our biggest challenge. Here is a thought, though. It comes from a recent SAIEE Presidential address.

"If one is looking for modern examples of the good old fashioned engineering approach to economic development, one needs to look to the East. When President Hu of China appointed his first cabinet in 2002, every one of them was an Engineer. Perhaps this in part explains China's ongoing extraordinary economic growth and industrialization”.

So, Members, how shall we go for the world cup in transforming a system that has been taking us for a ride for too long? A very positive development has just been announced and which exemplifies the ability of a lot of adversarial parties to get together and formulate a new deal all with a common goal. This is the recent mining commitment plan which followed the Citibank International report that SA sits on the most valuable mineral wealth in the world by far, streaks ahead of Russia and Australia in second and third places. We have R18 Trillion in an un-mined prize waiting for initiative, co-operation, funding, innovation, supporting infrastructure, skills development, employment and all the other benefits of a good, long term plan. Even Malema should be excited. It noticeably seems however to have eluded the government's own planning commission, but we all know how evident that has been.

Power and energy. Big plans now in hand for private power generation, and additionally an exciting development in advanced waste coal carbon combustion technology with almost no carbon footprint. Unless co-generation gets going, then any major mining and industrial initiatives will not have the power due to Eskom's limitations.

Can we catalyse the World Cup energy into ongoing action? It is up to everyone to make it happen. Tourism just has to escalate, which means major options for the service industry. I heard countless comments from foreign visitors at Cape Town's V& A waterfront at the semi-final on a beautiful evening that it must be the best all-round place for a World Cup.

The new SAIMechE website has the functions to enable interaction and debate. Can this connectivity and our a new feeling of optimism improve our collective advance into getting Engineers into the main arena? Sceptics, step aside. Let the game begin.


          

Build brand India for services sector Piyush Goyal #TaxLaws #News

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Build brand India for services sector Piyush Goyal - News and Press Release - Dated - 5-11-2019 - Build brand India for services sector Piyush Goyal Services sector to contribute USD 3 trillion to Indian Ec... #TaxLaws #News
          

President George W. Bush speaks at AAPEX 2019 grand opening session

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George W. Bush, 43rd President of the United States and Founder of the George W. Bush Presidential Center, joined AAPEX 2019 on Nov. 5, offering his thoughts on eight years in the Oval Office, the challenges facing the nation in the 21st century, and the power of freedom.

Bill Rhodes, chairman, president and chief executive officer, Customer Satisfaction, AutoZone, had the honor of joining the president in his conversation with the AAPEX audience. Throughout their discussion, President Bush emphasized the importance of the principles that defined his presidency: freedom, opportunity, responsibility and compassion.

President Bush was sworn into office on Jan. 20, 2001, and served as Commander in Chief for two consecutive terms. Before his presidency, he served for six years as Governor of the State of Texas.

As Commander in Chief, he worked to expand freedom, opportunity, and security at home and abroad. His Administration reformed America’s education system with the No Child Left Behind Act, restored robust private-sector economic growth and job creation, protected the environment, and pursued a comprehensive strategy to keep America safe after the terrorist attacks on Sept. 11, 2001.

Since leaving office, President Bush and former First Lady Laura Bush have focused their attention on developing the George W. Bush Presidential Center at Southern Methodist University in Dallas, Texas. The Bush Center is home to the George W. Bush Presidential Library and Museum and the George W. Bush Institute, a nonpartisan public policy and leadership development.

President Bush is the author of three bestselling books: Decision Points (2010), 41: A Portrait of My Father (2014), and Portraits of Courage: A Commander in Chief’s Tribute to America’s Warriors (2017). 

The AAPEX keynote address was preceded by the annual Automotive Aftermarket State of the Industry presentation by Bill Hanvey, president and chief executive officer of the Auto Care Association, and Paul McCarthy, president and chief operating officer of the Automotive Aftermarket Suppliers Association (AASA).

AAPEX represents the $1 trillion global automotive aftermarket industry and runs from Nov. 5 – Nov. 7, at the Sands Expo in Las Vegas.

With more than 2,500 exhibiting companies, AAPEX is the showcase for the latest products, services and technologies that keep the world’s 1.3 billion vehicles on the road. More than 48,000 targeted buyers are expected to attend, including automotive service professionals, auto parts retailers, warehouse distributors, service chains, automotive dealers, fleet buyers and engine builders. Approximately 162,000 automotive aftermarket professionals from 126 countries are projected to be in Las Vegas during AAPEX and the SEMA Show.

AAPEX is a trade-only event and is not open to the general public.

AAPEX is co-owned by the Auto Care Association and the Automotive Aftermarket Suppliers Association (AASA), the light vehicle aftermarket division of the Motor & Equipment Manufacturers Association (MEMA). For more information, visit www.aapexshow.com or e-mail: info@aapexshow.com. On social media, follow AAPEX at #AAPEX19.

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AAPEX
<p>George W. Bush, 43rd President of the United States and Founder of the George W. Bush Presidential Center, joined AAPEX 2019 on Nov. 5, offering his thoughts on eight years in the Oval Office, the challenges facing the nation in the 21st century, and the power of freedom.</p>
<p>AAPEX 2019, George W. Bush, speech, president,</p>

          

Sanders criticizes Warren's health care plan

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Vermont Sen. Bernie Sanders criticized his 2020 presidential rival Sen. Elizabeth Warren's funding plan for "Medicare For All," calling his plan "more progressive" and squaring up the two most progressive candidates in the race for the Democratic nomination to do what neither of them have wanted to do: draw distinctions between each other.

Sanders, who has centered his candidacy around the fight for his single-payer Medicare for All legislation, told ABC News in an interview published Sunday that although he and Warren believe everyone should have health care, they differ on how to fund it. Her plan, he also said, would "have a very negative impact on creating jobs."

"We do disagree on how you fund it," Sanders told ABC News. "I think the approach that (I) have, in fact, will be much more progressive in terms of protecting the financial well being of middle income families."

Sanders specifically criticized the Massachusetts senator's nearly $9 trillion tax on employers.

"I think that that would probably have a very negative impact on creating those jobs," Sanders said of the tax Warren's plan calls an "employer Medicare contribution." "Or providing wages, increased wages and benefits for those workers."

"I think we have a better way, which is a 7.5% payroll tax, which is far more I think progressive, because it'll not impact employers of low wage workers but hit significantly employers of upper income people," Sanders said in the interview.

Up until the release of her plan, Warren had consistently said she is "with Bernie" on Medicare for All, and the pair have consistently refused to go after each other, but Sanders' comments demonstrate that there is now clear disagreement over the best way to pay for it.

While Sanders' plan would raise taxes on the middle class and is estimated to cost upward of $30 trillion over 10 years, Warren's plan promises no raise on middle class taxes and would cost approximately $20.5 trillion over 10 years.

Sanders comments on Warren's health care plan is the starkest contrast either candidate has drawn since Sanders told ABC in one of his first interviews after his heart attack at his home in Burlington, Vermont, that "there are differences between Elizabeth and myself."

"Elizabeth I think, as you know, has said that she is a capitalist through her bones. I'm not," Sanders said in early October.

Leading up to the release of Warren's proposal, Sanders pushed back on the notion that he had to give details on how he was going to pay for Medicare for All. Sanders previously only outlined possible funding options for the legislation -- one of his flagship policy proposals. One includes a 4% tax on employees, which he calls an "income-based premium."

"You're asking me to come up with an exact detailed plan of how every American -- how much you're going to pay more in taxes, how much I'm going to pay. I don't think I have to do that right now," Sanders told CNBC in an interview published Tuesday.

But since Warren's plan has been released, Sanders has started to get more specific.

"I'm not going to say that it is free, nothing is free, health care is expensive," Sanders said at a town hall in Cedar Rapids, Iowa, on Saturday.

"The average American will pay substantially less for health care than he or she is paying right now. Yes you will pay more, depending on your income, we exempt the first 29,000 dollars from taxation," he said, wading into specific details on his taxation plan he usually doesn't mention.

When asked by reporters Saturday night about Sanders comments to ABC News, which had not yet published, Warren said she hadn't heard his comments and reiterated her stance that the funding plan will have employers pay the same as they are currently paying insurers for job-based coverage.

"All I can say is that employers will pay the same as they're paying currently under Obamacare, in fact they'll pay a little less," she said following a town hall in Dubuque, Iowa. "We stabilize it at 98% of what they're playing right now, and they won't have HR departments that are wrestling with companies. The cost of having employers pay for insurance has been in the law since Obamacare was enacted. It's in the law."

Warren also plans to release her own transition plan for Medicare For All, that will likely differ from Sanders. When asked by CNN at the Saturday town hall when she would unveil it, Warren said, "soon."

Warren told reporters that she spoke with Sanders about her funding plan, and the Sanders campaign confirmed the call to CNN. Neither camp elaborated on details of the call.

CNN's Tami Luhby contributed to this story.

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Info Security Engineer 4- Compliance/Reporting/Remediation

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Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application. At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Wells Fargo Technology sets IT strategy; enhances the design, development, and operations of our systems; optimizes the Wells Fargo infrastructure footprint; provides information security; and enables continuous banking access through in-store, online, ATM, and other channels to Wells Fargo?s more than 70 million global customers. The Network Security team is looking for a strong Firewall engineer with a compliance and support background to join our Infrastructure Engineering Team. The Engineer who will be responsible for Firewall compliance review, remediation, action planning, and reporting. This individual will help with Skybox reporting setup and delivery, firewall log reviews and reporting, and reviewing activities performed against our infrastructure. Will eventually be responsible for doing control testing and ensuring tools are doing what they need.

Required Qualifications
  • 5+ years of information security applications and systems experience
  • 3+ years of audit, regulatory compliance or risk management experience
  • 1 + year of Networking experience
  • 1+ year of Firewall experience
  • 5+ years of experience working with information security controls and deployments in a production environment
  • 1+ years of experience delivering complex enterprise wide information technology solutions
  • 4+ years of information security log management system experience
  • 4+ years of Information Security reporting and analysis experience
  • 2+ years of Splunk experience
  • 2 + years of experience with technical project coordination associated with PC, server and network deployments
  • 5+ years of information security vulnerability assessment experience

    Desired Qualifications
    • Advanced Information Security technical skills
    • Ability to manage complex issues and develop solutions
    • Excellent verbal and written communication skills
    • 1+ year of Python experience

      Job Expectations
      • Flexibility to frequently be on call beyond normal working hours
      • Ability to work on call as assigned

        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Home Mortgage Consultant (SAFE)

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Job Description
At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We've built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
  • Develop knowledge of company products, policies and procedures, and underwriting requirements
  • Understand real estate appraisals, title reports, and real estate transactions
  • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
  • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
  • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
  • Develop and maintain a high degree of visibility for WFHM in the marketplace
  • Perform miscellaneous duties as needed and required?

    Required Qualifications
    • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

      Desired Qualifications
      • Basic Microsoft Office skills
      • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
      • Excellent verbal, written, and interpersonal communication skills
      • Mortgage industry experience
      • Knowledge and understanding of sales prospecting and generating referrals
      • Bilingual speaking proficiency in Spanish/English
      • Customer service experience
      • A BS/BA degree or higher

        Job Expectations
        • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
        • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
        • Ability to lift 20+ pounds
        • Reliable transportation
        • Ability to work nights, weekends, and/or holidays as needed or scheduled

          Street Address
          FL-Brandon: 1463 Oakfield - Brandon, FL
          FL-Clearwater: 311 Park Place Boulevard - Clearwater, FL
          FL-Fort Myers: 12370 S Cleveland Ave - Fort Myers, FL
          FL-Temple Terrace: 6943 E Fowler Ave - Temple Terrace, FL
          FL-Sarasota: 2891 S Tamiami Trl - Sarasota, FL
          FL-Tampa: 100 S Ashley Dr - Tampa, FL
          FL-Tallahassee: 1989 Capital Circle NE - Tallahassee, FL


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Artificial Intelligence gains ground within agriculture

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With a growing global food demand and strains increasing on farmlands, artificial intelligence becomes a necessity for efficient agriculture in its effort to feed over nine billion by 2050, writes Niall Hurson. Agriculture is the world’s largest industry providing an estimated 1.3 billion jobs and contributes in excess of €2.1 trillion to the global economy. […]
          

Yield Growth Hits the Accelerator after Revenues Jump in Q3-- CFN Media

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Seattle, WA - (NewMediaWire) - November 6, 2019 - CFN Media (OTCQB: CNFN), the leading agency and financial media network dedicated to the North American cannabis industry announces publication of an article discussing The Yield Growth Corp. (CSE: BOSS) (OTCQB: BOSQF), its Q3 earnings, and new product development.Figure 1: BOSS Revenue ChartThe global winds for legalization of marijuana continue to gain speed despite a policy paradox within many countries. In North America, Canada made recreational cannabis legal a year ago and expanded product forms last month. 33 U.S. states now allow medical and/or recreational marijuana, despite the plant remaining illegal at the federal level. Overseas, the European Parliament earlier this year voted for advancing medical marijuana. With the resolution, Parliament joined the World Health Organization in recommending rescheduling cannabis under international drug agreements, while incentivizing countries to expand access to the plant and its medically beneficial compounds.That's a nice backdrop for The Yield Growth Corp (CSE: BOSS) (OTCQB: BOSQF) to build its international footprint, and it shows in the company's third quarter results and developments to ring in the fourth quarter.Urban Juve Leads Revenues UpwardsYield Growth has seven subsidiaries, including the newly-minted edible mushroom brand Flourish Mushroom Labs, which gives the company diverse revenue streams and exposure to cannabis, hemp and edible mushroom segments within the $4.2 trillion global wellness market.The flagship brand is Urban Juve, a hemp-based, Ayurveda-inspired skincare line sold internationally via the company's e-commerce site and North American brick and mortar points of sale. Additionally, a broad and growing distribution network of potential new retail locations has been established throughout the U.S., Canada and Europe. North American brick and mortar distribution began this year through a sales partnership. This subsidiary is already in revenues with licensing and sales revenues received and 14 product SKUs now for sale.The sales efforts are paying off. After logging revenues of around $200,000 in Q2 2018, quarterly revenue has taken an uphill trajectory, topping $1.0 million for the first time during the second quarter of this year.The third quarter was even stronger, with revenue improving 61% quarter-over-quarter to $1.9 million. That was an increase of 355% from about $400,000 in Q3, 2018.Furthermore, Yield Growth maintained its practice of growing value without taking on convertible debt, an anomaly amongst cannabis/hemp-focused companies. In fact, BOSS has zero short-term loans, no long-term loans and no commercial debt. All the while, growing total assets to $6.5 million at the end of Q3 from $2.6 million at the end of 2018.Strong Quarter, Bright FutureAmericans want legal marijuana, as evidenced by a recent Gallop poll showing two out of every three people favor legal cannabis. As mentioned, more products are coming to the Canadian markets with new laws dubbed Cannabis 2.0. European authorities are supportive of legal cannabis. Yield Growth is well positioned to capitalize on the worldwide trend with its hemp-derived Urban Juve products that fall under the parameters of international treaties and the 2018 U.S. Farm Bill that legalized hemp sales nationwide, as well as with the Wright & Well™ brand in Oregon.Recreational marijuana has been legal in Oregon since 2014. The company recently attained Oregon Liquor Control Commission final approval for 9 Wright & Well products, allowing the new products to be sold through cannabis retailers across the state.On the heels of obtaining Compliance Certificates for the sale of Urban Juve products in Europe, Yield Growth forged a newpartnership with performance marketing company Green Space Worldwide. Per the accord, Green Space, who prides itself on only taking on a limited number of premium-brand clients, will market Urban Juve's product bundles across all facets of digital media, leveraging their internal media buying teams and rolodex of ...
          

Info Security Engineer 4- Compliance/Reporting/Remediation

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Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application. At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Wells Fargo Technology sets IT strategy; enhances the design, development, and operations of our systems; optimizes the Wells Fargo infrastructure footprint; provides information security; and enables continuous banking access through in-store, online, ATM, and other channels to Wells Fargo?s more than 70 million global customers. The Network Security team is looking for a strong Firewall engineer with a compliance and support background to join our Infrastructure Engineering Team. The Engineer who will be responsible for Firewall compliance review, remediation, action planning, and reporting. This individual will help with Skybox reporting setup and delivery, firewall log reviews and reporting, and reviewing activities performed against our infrastructure. Will eventually be responsible for doing control testing and ensuring tools are doing what they need.

Required Qualifications
  • 5+ years of information security applications and systems experience
  • 3+ years of audit, regulatory compliance or risk management experience
  • 1 + year of Networking experience
  • 1+ year of Firewall experience
  • 5+ years of experience working with information security controls and deployments in a production environment
  • 1+ years of experience delivering complex enterprise wide information technology solutions
  • 4+ years of information security log management system experience
  • 4+ years of Information Security reporting and analysis experience
  • 2+ years of Splunk experience
  • 2 + years of experience with technical project coordination associated with PC, server and network deployments
  • 5+ years of information security vulnerability assessment experience

    Desired Qualifications
    • Advanced Information Security technical skills
    • Ability to manage complex issues and develop solutions
    • Excellent verbal and written communication skills
    • 1+ year of Python experience

      Job Expectations
      • Flexibility to frequently be on call beyond normal working hours
      • Ability to work on call as assigned

        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Infrastructure and DevOps Engineer (IaC)

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SunIRef:Manu:title Infrastructure and DevOps Engineer (IaC) Fiserv, Inc. 1,997 reviews - Lincoln, NE Fiserv, Inc. 1,997 reviews Read what people are saying about working here. What does a great Infrastructure and DevOps Engineer (IaC) do? As an Infrastructure and DevOps Engineer (IaC) , you will establish yourself as a trusted technologist by helping ensure overall satisfaction with Fiserv solutions, which serve thousands of banks while processing trillions of dollars and billions of transactions a year. Product Development and Product Management will rely on you to provide performance test environment and test data management for the solutions that Fiserv provides. It is crucial that you become an advocate for our internal clients, our operating model and technology strategies, as you will be responsible for engineering automated methods of performance testing requirements. You will represent the Bank Solutions business unit as a designated IaC engineer for assigned projects. You should be comfortable creating and reviewing complex code and documentation across many disparate technologies, with a strong knowledge of cloud-enabled development and an aspiration to quickly understand complex proprietary infrastructure architecture. Your responsibility is to develop and maintain automated methods of managing performance test environments and test data for supported applications. This role will work closely with project teams to ensure performance testing requirements are completed and the results meet client expectations. This role must manage diverse system platforms and product lines within Fiserv and be able to adapt quickly to unfamiliar technologies. It is critical that you continually learn and maintain current knowledge of Fiserv Solutions and industry-standard development practices and technologies to provide meaningful and efficient performance test results of various Fiserv solutions. At times, you will be called upon to prioritize and drive resolution on escalated incidents or problems that occur in production. You will be a key resource to drive efficiencies through process improvements while developing repeatable automated performance testing methodologies. Bank Solutions, and most importantly, our clients, expect high quality applications. Success in your efforts accordingly will foster customer loyalty, and lead to improved client retention and overall client satisfaction with Fiserv. A key characteristic in the success of this role will be technical aptitude. The creation of new, and the maintenance of the existing Fiserv automated performance testing toolsets, requires programming experience. It is critical that you know how to leverage Ansible, Jenkins, Docker and Kubernetes technologies in developing infrastructure-as-code playbooks that drive optimal performance test environment and test data management. You must also exercise strong problem-solving skills with limited assistance. This demanding yet exciting role allows you to establish and build relationships across Fiserv to facilitate timely, cost-effective and efficient testing practices of Fiserv solutions. You will become a Subject Matter Expert for the products assigned to you and a Go To technical resource for standard quality assurance best practices. This will bring a great sense of accomplishment for you personally in achieving the goals of Fiserv and most importantly our clients. Job Related Experience: & Experience and strong understanding of Infrastructure-as-Code (IaC) and DevOps Experience designing, testing and automating using Ansible, Jenkins, Docker and Kubernetes Troubleshooting network, OS, and application issues for complex distributed cloud-based applications Successful track record of pipeline automation, analytical thinking, and problem solving Must be able to understand the needs of businesses and develop solutions that cater to such needs Work independently and prioritize time and projects appropriately Think outside of the box to come up with creative solutions to ensure efficient and timely performance assurance Handle multiple projects effectively while continually delivering exceptional quality Basic Requirements: High School diploma and 7+ years of professional relevant work experience Assist with the creation of the pipeline processes to ensure automation and performance testing are present Evaluate and improve existing pipeline processes to enable automation, improve testing, and extend functionality Assist with performance testing of existing and new products Design tests for various application configuration scenarios that demonstrate performance response/capacity and quantify/analyze the performance results Provide resource requirements for a given capacity or load scenario based on test results or production analysis. Outline recommendations for performance-oriented deployment strategies and assist in the definition of application configuration standards and efficiencies Preferred Skills, Experience, and Education: Bachelor's Degree in Computer Science or related technical field and 3+ years of relevant work experience Experience designing and engineering solutions that use current technologies including: C#, MySQL, NoSQL, and Redis Experience with project and portfolio management tools preferably Service Now, Jira, and *************** Experience in application profiling and performance optimization Experience in performance trending to be used for troubleshooting and forecasting of required resources Experience in using system level monitors such as Perfmon Experience in network analysis using Wireshark Experience in the complete software development lifecycle including associated deployment methodologies, QA processes, and performance tuning efforts Who We Are: In a world moving faster than ever before, Fiserv helps clients deliver solutions in step with the way people live and work today - financial services at the speed of life. With 24,000 associates, we help more than 12,000 clients worldwide create and deliver solutions to enable today's consumer to move and manage money with ease, speed and convenience. Our Aspiration is to move money and information in a way that moves the world. As a FORTUNE 500 company and one of FORTUNE Magazine World's Most Admired Companies for the sixth consecutive year, we are committed to excellence and purposeful innovation. In this role you will be aligned with solutions to our banking customers. We deliver comprehensive bank platforms and value-added products and services for community, mid-tier, and large financial institutions. We offer flexible technology solutions that enable financial institutions to quickly align to customers' expectations. With a modular approach to delivery, financial institutions can preserve platform investments while delivering both updated functionality and a consistent experience across channels. From understanding consumer needs based on the latest research to analytics and advisory services that help identify growth opportunities from accounts, payments and industry data, we help clients access and act on data to create better outcomes Fiserv bank platforms - Cleartouch, DNA, Precision, Premier, Signature - enable banks to efficiently manage a wide range of activities such as account opening, deposits, withdrawals, loans, customer information management, and general ledger and accounting tasks. Each Fiserv bank platform has unique capabilities, but they all help our clients improve customer service and streamline their back-office operations. We welcome and encourage diversity in our workforce. We are an equal opportunity employer/disability/vet. Fiserv is an Equal Opportunity Employer/Disability/Vet. Visit ********************************* for more information. Fiserv - Just posted report job - original job
          

Senior Software Engineer - Innovation Center

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About Clearwater Analytics--

Clearwater Analytics-- is a global SaaS solution for automated investment data aggregation, reconciliation, accounting, and reporting. Clearwater helps thousands of organizations make the most of investment portfolio data with cloud-native software and client-centric servicing. Every day, investment professionals worldwide trust Clearwater to deliver timely, validated investment data and in-depth reporting.

Clearwater aggregates, reconciles, and reports on more than $3 trillion in assets across thousands of accounts daily for our Fortune 500 clients.

DESCRIPTION

The Innovation Center at Clearwater Analytics solves significant problems with new technology and techniques. The Innovation Center explores and uses machine learning, RPA, blockchain and any other technology that creates step-change for our clients, markets and employees. Clearwater's system is used by some of the world's largest technology firms, fixed income asset managers, and custodian banks. These firms rely on Clearwater's ability to solve difficult, seemingly impossible problems. Clearwater's Innovation is a key driver of those solutions.

Clearwater is looking for talented individuals who thrive on solving problems and developing new skills. We offer a competitive compensation package, exposure to cutting-edge financial market issues & information, business casual workplace, beautiful surroundings and work-life balance.

Responsibilities


  • Developing a solution to a problem in a way that hasn't been done before that has had dramatic positive results
  • Changing the technical direction of a team through persuasion, leadership, and force of will onto a better path
  • Leading a community of interest in a technology or domain that is not a standard part of the enterprise, but whose adoption would significantly impact the company for the better
  • Demonstrating the ability to decompose problems to their root causes and then follow an engineered approach to finding appropriate solutions

    REQUIREMENTS


    • 5+ years architecting and engineering critical systems
    • Proven innovation track record
    • Deep curiosity

    • Fluent with functional, imperative and object---oriented languages; knowledge of Java, Clojure, or JavaScript would be especially useful
    • Experience building complex web systems that have been successfully delivered to customers
    • Experience in communicating with users, other technical teams and management to collect requirements, identify tasks, provide estimates and meet production deadlines
    • Experience implementing and consuming large scale web services
    • Eagerness and willingness to learn new technologies

      Desired experience and skills:


      • Bachelor's degree in Computer Science or related field
      • Experience creating and consuming web services
      • Experience developing and designing a public facing API
      • Experience with database scaling and design

        What we offer:


        • Headquarters in the heart of downtown Boise
        • Business casual atmosphere in a flexible working environment
        • Team focused culture that promotes innovation and ownership
        • Access to cutting edge investment reporting technology and expertise
        • Continual learning, professional development and growth opportunities
        • Competitive salary and benefits package; including health, vision and dental
        • Additional benefits including PTO, 401(k) with 4% employer match

          

Sr. Java Software Engineer for FX e-Commerce

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SunIRef:it Sr. Java Software Engineer for FX e-Commerce JP Morgan Chase 21,658 reviews - Jersey City, NJ 07310 JP Morgan Chase 21,658 reviews Read what people are saying about working here. Our Corporate & Investment Bank relies on innovators like you to build and maintain the technology that helps us safely service the world's important corporations, governments and institutions. You'll develop solutions for a bank entrusted with holding $18 trillion of assets and $393 billion in deposits. CIB provides strategic advice, raises capital, manages risk, and extends liquidity in markets spanning over 100 countries around the world. As an experienced Software Engineer, your mission is to help lead our team of innovators and technologists toward creating next-level solutions that improve the way our business is run. Your deep knowledge of design, analytics, development, coding, testing and application programming will help your team raise their game, meeting your standards, as well as satisfying both business and functional requirements. Your expertise in various technology domains will be counted on to set strategic direction and solve complex and mission critical problems, internally and externally. Your quest to embracing leading-edge technologies and methodologies inspires your team to follow suit. And best of all, you'll be able to harness massive amounts of brainpower through our global network of technologists from around the world. You will be working in the FX e-Commerce Market Making and Distribution team in New York. This is a global team that develops and maintains the systems responsible for price differentiation, distribution and all aspects of execution (deal acceptance and trade booking). The team covers all FX Cash products (Spot, Forwards, Swaps) for G10 and Emerging Markets across a wide variety of distribution channels (Proprietary Single Dealer Platform, FIX APIs and multi-dealer platforms). You will be part of a global team with presence in London, New York and ASPAC and there is a high level of direct interaction with our Front Office e-Trading partners. This role requires a wide variety of strengths and capabilities, including: BS/BA degree or equivalent experience Partnering with trading and quantitative researchers to capture requirement and propose design and implementation Implementation delivery, primarily server side Java development with strong emphasis on non-functional requirements involving performance optimization of multi-threaded applications, resiliency in a distributed and co-located environment Expertise in application, data and infrastructure architecture disciplines Advanced knowledge of architecture, design and business processes Be responsible for seeing through your changes through the whole SDLC life cycle Providing level 3 support to the trading desk, helping investigation and analysis Ability to work collaboratively in teams and develop meaningful relationships to achieve common goals When you work at JPMorgan Chase & Co., you're not just working at a global financial institution. You're an integral part of one of the world's biggest tech companies. In 14 technology hubs worldwide, our team of 40,000+ technologists design, build and deploy everything from enterprise technology initiatives to big data and mobile solutions, as well as innovations in electronic payments, cybersecurity, machine learning, and cloud development. Our $9.5B+ annual investment in technology enables us to hire people to create innovative solutions that will not only transform the financial services industry, but also change the world. At JPMorgan Chase & Co. we value the unique skills of every employee, and we're building a technology organization that thrives on diversity. We encourage professional growth and career development, and offer competitive benefits and compensation. If you're looking to build your career as part of a global technology team tackling big challenges that impact the lives of people and companies all around the world, we want to meet you. @2017 JPMorgan Chase & Co. JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran JP Morgan Chase - Just posted report job - original job
          

America's Empty Headed Philosopher Kings

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If the nation were not riveted to President Trump, and if President Trump did not have to spend half his time dodging and deflecting incoming verbal attack missiles, we might have been paying attention to our philosopher kings, our intellectual and political elites, people who have been running the country... into the ground. By their lights Trump can do no right. By logical extension, they can do no wrong.

Victor Davis Hanson calls them our nomenklatura. (via Maggie’s Farm) They are a guardian class of philosopher kings who have taken control of the government and who will brook no dissent. You might think that they are running on fumes, but it would be more accurate, Hanson suggests, that they are running on credentials.

In that he is echoing a thought often expressed by David Foster of the Chicago Boyz blog, namely that America’s ruling class is defined by credentials, not by achievement or merit. Besides, in a world where diversity has overtaken merit, these credentials are no longer signs of real worth.

Hanson trots out the usual suspects and exposes a gang that cannot think straight. For all of the vitriol routinely tossed at Donald Trump, Americans intellectual leaders has failed to notice that their heroes have feet of clay.

You recall, Hanson reminds us, that serious psychiatrists have accused Trump of being mentally ill. And yet, how often does Joe Biden resemble a man who is suffering some level of dementia. One might even say the same about the hapless and helpless Robert Mueller, a man whose Congressional testimony showed that he was not in charge of much of anything.

As for Biden, Hanson remarks what we all know:

At times, former Vice President Joe Biden is unaware of which town, indeed which state, he is in. He slurs his words often. Biden strings together unconnected thoughts that result in utter incoherence—not alleviated by his near shouting emphatics or fits of pique at reporters.

Sometimes, Biden forgets names, and referents, and appears befuddled generally. His biography is mythical. He cannot address Ukraine and the role of his son, Hunter Biden, because, after all, what would a truthful person say? That the vice president of the United States allowed his wastrel son to become a multimillionaire by leveraging his father’s office with foreign corrupt governments? 

And yet, media enablers continue to claim that Biden merely makes gaffes. If Trump had done as much, they would have been crying out for involuntary commitment... even though they oppose involuntary commitment.

As for Hillary Clinton, she refuses to accept that she lost an election and has descended to trafficking conspiracy theories… the kind that would normally label you paranoid. Of course, she and her minions have been accusing Trump of having done what she and her minions were actually doing. When it comes to corruption, to emoluments, no one beats the Clintons:

And all this from Hillary Clinton, who inaugurated the 2009 disastrous Russian appeasement scheme known as “reset” by pushing a red plastic Jacuzzi button in Geneva, and who was instrumental in green-lighting North American uranium sales to Russian interests, which interests through third parties had donated to her foundation and indirectly paid Russians to interfere in the 2016 election to destroy her opponent?

And the sainted Mitt Romney, a man whose good moral character does not include loyalty, refused to take the gloves off when running against Barack Obama. Now he has made himself a Republican scold, a party of one.

But after the implosion of the once impressive 2016 Republican primary field, Romney assumed the mantle of senior establishment Trump foe. If he played by the Marquess of Queensberry Rules with Barack Obama, he certainly did not with Donald Trump, blasting him frequently as a fraud, con, dishonest, a bully, and greedy—clueless that instead Trump served as some sort of sharp planer that ripped off the thin, shiny mahogany veneer pasted over our particle-board establishment.

And, let’s not forget:

Romney seems to have entered Hillary/Biden fantasyland by admitting to being a “lurker” on social media—one who adopts an anonymous and secret Twitter account (in Romney’s case under the nom de guerre “Pierre Delecto”), to channel and encourage nice stories about himself, and to attack vicariously those who do not share his views or self-admiration.

And, we can examine the records of former Obama administration officials James Clapper and John Brennan. Somehow or other the great minds of the media have not figured out that these holier-than-thou warriors are really trying to stay out of jail.

As it happens, no one much cares about holding them to account:

Before Trump, both John Brennan and James Clapper, respectively CIA director and director of national intelligence, lied under oath to Congress—and paid nothing for doing so. Or rather their past prevarications became good CV items for the new fake news industry. From them, we respectively once learned that the Muslim Brotherhood in Egypt was largely secular and that jihad was a mostly a non-violent expression of personal growth and discovery. In their world, drones never hit bystanders, the intelligence agencies never spy on Americans, and the two of them never lied under oath. Both leveraged their past service and security clearances into lucrative cable TV analyst contracts—and often editorialized about ongoing investigations in which they were either knee-deep or of which they later became targets.

How did we go wrong? Hanson offers this explanation:

We have confused credentials with merit—as we learned when Hollywood stars and rich people tried to bribe and buy their mostly lackadaisical children into named schools, eager for the cattle brand BAs and without a care whether their offspring would be well educated. 

Graduating from today’s Yale or Harvard law school is not necessarily a sign of achievement, much less legal expertise. Mostly, entrance into heralded schools is a reminder of past good prep school grades and test scores winning admittance—or using some sort of old-boy, networking, athletic, or affirmative action pull.

Being a “senior” official at some alphabet government agency also means little any more outside of the nomenklatura. Academia, the media, and entertainment industries are likewise supposedly meritocratic without being based on demonstrable worth. Otherwise, why would college graduates know so little, the media so often report fantasies as truth, and Hollywood focus on poor remakes? Take all the signature brand names that the Baby Boomers inherited from prior generations—Harvard, Yale, the New York Times, NPR, CNN, the Oscars, the NFL, the NBA, the FBI, the CIA, the Rockefeller and Ford foundations, and a host of others. And then ask whether they enhanced or diminished such inheritances?

A country over $22 trillion in debt, with an open border, an existential conflict with China, and a West in cultural and demographic decline, for two years was told falsely that Donald Trump supposedly knew of a meeting in advance at Trump Tower, that James Comey would supposedly testify that he never told Trump he was not under investigation, and that Trump would soon be indicted, resign, or impeached. The amount of elite energy spent replaying the embarrassing progressive 2016 loss and trying to abort the Trump presidency before the 2020 election, remember, was the product of our best and brightest, the top echelon of our law enforcement and intelligence communities, and our most esteemed political and media elite.

They are defending their turf, their territories, their reputations and their livelihood. The one thing that they can never accept is that the curtain will be drawn back, revealing them to be impostors. They will never forgive Donald Trump for refusing to pay them proper obeisance.

          

Teller Bilingual Spanish 20 hours Cary Town

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Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.Team member must be able to conduct transactions normally associated with this role in Spanish and English.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancing?Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.

Required Qualifications
  • 1+ year of experience interacting with people, demonstrated through work, military, or education
  • Bilingual speaking proficiency in Spanish/English

    Desired Qualifications
    • Customer service focus with experience handling complex transactions across multiple systems
    • Ability to influence, educate, and connect customers to technology
    • Ability to interact with integrity and professionalism with customers and team members
    • Ability to meet or exceed performance objectives
    • Experience working with others on a team to meet customer needs
    • Cash handling experience
    • Ability to follow policies, procedures, and regulations
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Well-organized, independent and able to prioritize in a fast paced environment
    • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
    • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Job Expectations
      • Ability to stand for extended periods of time
      • Ability to work weekends and holidays as needed or scheduled
      • Must take and pass required Spanish language assessment

        Street Address
        NC-Cary: 1201 Walnut St - Cary, NC


        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Premier Banker (SAFE)

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Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.Provides full-balance sheet banking to affluent and affluent-away customers and manages a portfolio of complex account relationships. Consults with customers regarding their financial needs and recommends appropriate financial services to meet those financial needs. Personally fulfills product and service needs in the Regional Bank and makes appropriate introductions to partners for products in other lines of business. For the portfolio of relationships managed, resolves inquiries and service requests, opens and services accounts within authorized limits and creates Customer Management Program (CMP) activity plans and follows up on scheduled contacts. Continually builds a network of internal partners and external sources and resources to further enhance the customer experience and meet customer's financial needs. Models appropriate segmentation strategy for the branch team and supports the branch manager's Customer Connection Plan (CCP) so that affluent and affluent away customers are provided the opportunity to interact with the most appropriate banker.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.

Required Qualifications
  • 2+ years of financial services industry experience, through work or military, in one or a combination of the following: corporate banking, corporate lending, consumer banking, consumer lending, business banking, small business, mortgage lending, investments, brokerage, or private banking; or 1+ year experience in a licensed financial services position

    Desired Qualifications
    • Experience assessing customer needs and recommending products/services to fulfill those needs
    • Experience solving customer problems
    • Good communication skills including speaking clearly, succinctly, and accurately while using a pleasant tone and common conversational courtesies
    • High motivation with ability to successfully meet team objectives while maintaining individual performance
    • Experience identifying additional opportunities to recommend products and services to customers
    • Experience mentoring and educating other branch team members
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Job Expectations
      • Current registration for FINRA Series 7 and 63 or 7 and 66, State Insurance are required for this role or must be completed within a specified period of time determined by number of licenses to be obtained and will be communicated to the candidate upon offer acceptance. FINRA recognized equivalents will be accepted.
      • State Life Insurance license requirements must be completed within a specified period of time communicated to the candidate upon offer acceptance. Compliance with state law requirements is required.
      • Registration for FINRA Series 65 must be completed when required by the state in which the position is located. FINRA recognized equivalents will be accepted.
      • Obtaining and/or maintaining appropriate Financial Industry Regulatory Authority (FINRA) license(s) is required for ongoing employment in this position. In addition state registration, specific product licenses or SAFE licensing may apply. Additional requirements include meeting enhanced financial fitness and criminal background standards. Wells Fargo will initiate the FINRA review process at the time of offer acceptance.
      • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
      • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
      • For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite may also be required

        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Associate, Aladdin Portfolio Solution Group

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DescriptionAbout this role

BlackRock Capital Management, Inc. seeks Associate, Aladdin Portfolio Solution Group in Wilmington, DE to perform risk analytics on companys fixed income, equity, and alternative products, to help clients and portfolio managers understand their portfolio exposures, strategy, risk and returns. Reqs: Bachelors degree or equivalent in Economics, Finance, Statistics or a related field and three (3) years of experience in the job offered or related occupation: performing risk reporting and attribution; providing analytical support to financial, insurance, and government sponsored institutions; performing quantitative analysis; coordinating functional business projects; analyzing financial products, investment strategies, and market conditions; and utilizing SQL, Unix, Perl, and Python scripts. In the alternative, employer will accept a Masters degree in one of the above fields and one (1) year of experience in the above listed skills. Please apply directly by clicking on Apply Online.

About BlackRock

BlackRocks purpose is to help more and more people experience financial well-being. As a fiduciary to investors and a leading provider of financial technology, our clients turn to us for the solutions they need when planning for their most important goals. As of June 30, 2019, the firm managed approximately $6.84 trillion in assets on behalf of investors worldwide. For additional information on BlackRock, please visit www.blackrock.com/corporate - Twitter: @blackrock - Blog: www.blackrockblog.com - LinkedIn: www.linkedin.com/company/blackrock.

BlackRock is proud to be an Equal Opportunity and Affirmative Action Employer. We evaluate qualified applicants without regard to race, color, national origin, religion, sex, sexual orientation, gender identity, disability, protected veteran status, and other statuses protected by law.

BlackRock will consider for employment qualified applicants with arrest or conviction records in a manner consistent with the requirements of the law, including any applicable fair chance law.
          

Processing Expert Manager

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About Better.com:

We're one of the fastest growing homeownership companies in America. Why? Because we're making homeownership simpler, faster - and most importantly, more accessible for all Americans.

By combining smarter technology with a desire to not just change one piece of the journey but the entire makeup of what it's like to buy and own a home in this country, we're building things that don't exist yet.

Better.com by the numbers:
  • We fund $600 million in home loans per month
  • Nearly $5 billion in loans funded since our inception in 2016
  • 2 years running, we're one of Crain's "Best Places to work"
  • We're #11 on Fortune's Best Places to Work in NYC
  • And #964 on Inc.'s 2019 "5000 Fastest-Growing Companies"
  • We've secured over $254 million from our investors to date
  • ...and counting
    We continue to outpace the industry at every turn. Our backers have helped build some of the most transformative tech and finance companies in history. Kleiner Perkins, Goldman Sachs, IA Ventures, Ally Bank, American Express, Citigroup, Activant Capital, and others have all invested in our vision of redefining the entire homebuying journey.

    A Better company

    It's hard not to be excited about mortgages when you're actively upending the conventions of a $13 trillion dollar business that impacts over 200 million Americans.

    At Better, we're building a next-generation mortgage lender from the ground up. Our team combines leading software engineers from tech giants like Google and Spotify with financial talent from firms like Blackstone and Bridgewater, creating a hybrid institution unlike any other.

    Rife with antiquated processes, the home finance industry has remained fundamentally unchanged since the 1970s. As we break down the entrenchments that bar so many from the benefits of homeownership, we adhere to three basic principles:
    • Humans are better than computers at expressing empathy, understanding individual situations, and creating solutions to help people. Let them.
    • Computers are more efficient than humans at working with massive data sets, performing complex calculations, and validating thousands of rules. Use them.
    • The rules of the status quo are broken. Change them.
      Join our mortgage revolution.

      A Better opportunity

      We're putting the mortgage industry on notice. We're done with the inefficiency, excessive costs, and horrible experience being perpetrated on home buyers.

      Following the status quo won't help us deliver a 1% mortgage experience to the 99%. As Better's Loan Processor Manager, your responsibilities will be wide in scope. You can expect to actively contribute in the following ways:
      • Manage team objectives and KPIs throughout production cycles.
      • Provide and coach through qualitative and quantitative feedback for direct reports.
      • Monitor and develop processing daily cadence as the product continues to improve.
      • Serve as first line of defense to diffuse customer escalations to management.
      • Support processing team on thorough secondary analysis of applicant's income and expense data, self-employment documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan.
      • Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents to satisfy underwriting conditions.
      • Calculate qualifying ratios, determine creditworthiness.
        Attributes we value
        • 3-5+ years of experience processing (or underwriting) FNMA, FHLMC, FHA and Jumbo mortgages
        • 2 years of management experience
        • Strong understanding of purchase, refi, and jumbo guidelines
        • Knowledge of agency conventional underwriting product guidelines
        • Familiarity with Desktop Underwriter (DU) & Loan Prospector (LP)
        • Strong communication, organization, and time management skills
        • Ability to troubleshoot and solve problems
        • Ability to maintain composure in a fast-paced environment

          

Teller 20 Hours Sioux Falls

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Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm.?

Required Qualifications
  • 1+ year of experience interacting with people, demonstrated through work, military, or education

    Desired Qualifications
    • Customer service focus with experience handling complex transactions across multiple systems
    • Ability to influence, educate, and connect customers to technology
    • Ability to interact with integrity and professionalism with customers and team members
    • Ability to meet or exceed performance objectives
    • Experience working with others on a team to meet customer needs
    • Cash handling experience
    • Ability to follow policies, procedures, and regulations
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Well-organized, independent and able to prioritize in a fast paced environment
    • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
    • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Job Expectations
      • Ability to stand for extended periods of time
      • Ability to work weekends and holidays as needed or scheduled

        Street Address
        SD-Sioux Falls: 2800 E 26th St - Sioux Falls, SD


        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Companies like Google and Microsoft are making big investments in startups looking to disrupt healthcare. Here's where 5 top tech giants are placing their bets.

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Google CEO Sundar Pichai

Tech giants like Google's parent company Alphabet and Microsoft have taken their time figuring out how to approach the massive $3.5 trillion US healthcare industry. 

But the big tech players haven't been shy about investing in companies looking to disrupt healthcare. Their investments hint at how the tech giants could ultimately succeed in healthcare. 

In October, CB Insights pulled together a report analyzing the investments tech companies had made in digital health startups looking at the last five years. In particular, Alphabet, Microsoft, and Chinese tech giant Tencent accounted for about 70% of the deals, the report found. 

Read more: Tech giants like Google and Amazon are beefing up their healthcare strategies. Here's how 7 tech titans plan to tackle the $3.5 trillion industry.

The report highlights that most of the deals have been in data management and analytics, with 40 deals in the space. That finding isn't surprising for He Wang, a healthcare analyst at CB Insights. 

"A common thread across all ten companies is data. Every tech company is leveraging some sort of data in all verticals they're going after, and that's no different in healthcare," Wang told Business Insider. "They're playing to their strengths and that's reflected in their investments." 

Here are the top 5 companies with the most investments in digital health and where they're placing their bets, from fewest investments to most, as determined by the CB Insights report. 

Samsung - 15 companies

Samsung is primarily focused on chronic disease management. 

The South Korean company, known for Galaxy phones and headsets, wants to expand into wearables and other tech monitoring systems that can track peoples' health. In total, it's invested in 15 companies. 

Samsung bought Neurologica, a medical imaging company and the US healthcare equipment maker, Nexus

"Samsung essentially wants to help people manage their health, using their wide adoption of hardware to distribute software that has healthcare applications," Wang said.  

 



Intel - 16 companies

A big area of focus for Intel is AI or machine learning in medical imaging, drug discovery and drug diagnostics, Wang said. In total, Intel has made investments in 16 digital health companies, according to the report. 

This can be seen with its investment of $30 million in startups working on cloud computing software innovation. The company, along with Microsoft, invested in CognitiveScale, a data analytics product for healthcare providers like hospital systems. 

Wang noted that Intel's healthcare investments align with the company's broader investments in AI across all verticals.  

"Intel is one of the most technologically advanced companies. They're still a worldwide provider of chips," Wang said. "So at the end of the day they're just trying to make a broader market place with chips." 



Tencent - 40 companies

Tencent has also been prolific in its dealmaking, investing in 40 companies. 

When delving into healthcare, the company is drawing on two main company strengths.

The first is Tencent's data on its users. The company has some of the most-used messaging apps and software, with over one billion active users on the company's WeChat platform alone. With this vast user base, Tencent is leveraging this asset to help it monetize and make investments, Wang said. 

The second asset is its investment in medical content marketing, allowing Tencent to analyze what users want in healthcare. An example of this an investment in SoYoung, the China-based medical aesthetic company which went public in the US earlier this year. 



Microsoft - 42 companies

As the second-most-active investor on the list, Microsoft made 42 investments in the space. But the company has a different approach than Google. Unlike Google, the majority of Microsoft's investments come from its accelerator and incubator programs.

These programs have actively worked with digital health companies at the earliest stage of investment, for startups like SWORD Health, Genoox, KenSci and SigTuple

"Microsoft is playing a little bit of a catch up in terms of services for cloud providers," Wang said. "They're using this incubator to build on this digital health startup ecosystem, to not only impact some of the most interesting companies out there but to also market or encourage people to use for their cloud computing capabilities." 

But Microsoft also has a long term strategy with its venture arm, M12, which invests in bigger startups, such as the chronic disease management company Livongo Health

The majority of its investments since 2016 have been in data management and analytics, and genomics companies. 

"Microsoft has made it very clear that cloud is the most important strategy they're going after," Wang said.  

 



Alphabet - 57 companies

Alphabet is the biggest and most active investor in the healthcare space. Google parent company Alphabet has backed 57 companies, making 70% of its health investments through corporate funds like Google Ventures, CapitalG, and Gradient Ventures. 

Google's accelerator and incubator programs have invested in 17 digital health companies primarily in genomics, clinical research, insurance and benefits. 

When it comes to genomics, Google's venture arm GV has invested in companies like 23andMe, Foundation Medicine, and Flatiron Health, while Alphabet's life sciences arm Verily has invested in Freenome.

The companies have collected clinical and genetic data, with the hope of finding new ways to use that information and keep people healthier. Google doesn't have access to the data these companies collect, but can draw insights from how the companies approach working with large amounts of information.

"They can use that data and tie it into advanced technology to drive better drug delivery, or diagnostics," Wang said. "Google is focused on healthcare data assets and how to use advanced technology to drive insights from there." 

Google has also invested in some of the biggest health insurance startups like Oscar Health and Clover Health, which collect information on how people use and navigate the healthcare system. 

 




          

Home Mortgage Consultant (SAFE)

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Job Description
At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We've built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
  • Develop knowledge of company products, policies and procedures, and underwriting requirements
  • Understand real estate appraisals, title reports, and real estate transactions
  • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
  • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
  • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
  • Develop and maintain a high degree of visibility for WFHM in the marketplace
  • Perform miscellaneous duties as needed and required?

    Required Qualifications
    • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

      Desired Qualifications
      • Basic Microsoft Office skills
      • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
      • Excellent verbal, written, and interpersonal communication skills
      • Mortgage industry experience
      • Knowledge and understanding of sales prospecting and generating referrals
      • Bilingual speaking proficiency in Spanish/English
      • Customer service experience
      • A BS/BA degree or higher

        Job Expectations
        • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
        • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
        • Ability to lift 20+ pounds
        • Reliable transportation
        • Ability to work nights, weekends, and/or holidays as needed or scheduled

          Street Address
          FL-Brandon: 1463 Oakfield - Brandon, FL
          FL-Clearwater: 311 Park Place Boulevard - Clearwater, FL
          FL-Fort Myers: 12370 S Cleveland Ave - Fort Myers, FL
          FL-Temple Terrace: 6943 E Fowler Ave - Temple Terrace, FL
          FL-Sarasota: 2891 S Tamiami Trl - Sarasota, FL
          FL-Tampa: 100 S Ashley Dr - Tampa, FL
          FL-Tallahassee: 1989 Capital Circle NE - Tallahassee, FL


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Mortgage Consultant (SAFE)

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Job Description
At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
  • Develop knowledge of company products, policies and procedures, and underwriting requirements
  • Understand real estate appraisals, title reports, and real estate transactions
  • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
  • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
  • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
  • Develop and maintain a high degree of visibility for WFHM in the marketplace
  • Perform miscellaneous duties as needed and required

    Required Qualifications
    • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

      Desired Qualifications
      • Basic Microsoft Office skills
      • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
      • Excellent verbal, written, and interpersonal communication skills
      • Mortgage industry experience
      • Knowledge and understanding of sales prospecting and generating referrals
      • Bilingual speaking proficiency in Spanish/English
      • Customer service experience
      • A BS/BA degree or higher
      • Knowledge and understanding of builder, construction or renovations lending

        Job Expectations
        • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
        • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
        • Ability to lift 20+ pounds
        • Reliable transportation
        • Ability to work nights, weekends, and/or holidays as needed or scheduled

          Street Address
          MO-Chesterfield: 2 Thf Blvd - Chesterfield, MO
          KS-Lenexa: 12000 W 95th St - Lenexa, KS
          KS-Wichita: 10616 W Maple - Wichita, KS
          AR-Little Rock: 10825 Financial Centre Pkwy - Little Rock, AR
          LA-New Orleans: 1100 Poydras Street - New Orleans, LA
          IL-Shiloh: 1124 Hartman Drive - Shiloh, IL
          KS-Garden City: 1135 College Drive - Garden City, KS
          TN-Memphis: 1669 Kirby Pkwy - Memphis, TN
          AR-Rogers: 2301 W Walnut - Rogers, AR
          TN-Knoxville: 265 Brookview Centre Way - Knoxville, TN
          MO-Lees Summit: 56 Ne Sycamore St - Lees Summit, MO
          TN-Brentwood: 6 Cadillac Drive - Brentwood, TN
          MO-Chillicothe: 710 Washington St - Chillicothe, MO
          KS-Overland Park: 7127 W 110th St - Overland Park, KS
          MO-Saint Robert: 945 Missouri Ave - Saint Robert, MO
          MO-Kansas City: 9572 N McGee St - Kansas City, MO


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Personal Banker 1 Harrisburg Mall

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Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a personal banker at Wells Fargo you will deliver exceptional customer experience, build relationships, and help consumer and small business customers succeed financially. You will engage customers in conversation and ask questions to understand what?s most important to them to allow you to provide product, service and digital options that align with their needs and help make banking easier for them.Your responsibilities include:? Building relationships with customers through proactive outreach and follow up, asking questions and learning about their financial needs? Deep knowledge of bank products and services and connecting those to customer needs? Building relationships with branch team members and partners, allowing you to work together to best serve customers? Opening new accounts, completing service requests, and submitting credit applications? Inform customers of self-service digital options and demonstrate them to customers? Helping to resolve customer concerns and escalating issues as needed? Serving as a risk leader and following policies and proceduresThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.?

Required Qualifications
  • 2+ year of experience interacting with people, demonstrated through work, military, or education

    Desired Qualifications
    • Customer service focus with experience handling complex transactions across multiple systems
    • Experience proactively engaging with customers through outreach via phone or email
    • Ability to influence, educate, and connect customers to technology
    • Ability to help customers succeed financially by offering introductions to additional team members as appropriate
    • Ability to meet or exceed performance objectives
    • Ability to interact with integrity and professionalism with customers and team members
    • Experience working with others on a team to meet customer needs
    • Experience fostering and developing strong customer relationships
    • Ability to build strong relationships with internal partners and customers
    • Ability to follow policies, procedures, and regulations
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Job Expectations
      • Ability to work weekends and holidays as needed or scheduled
      • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
      • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

        Street Address
        PA-Harrisburg: 3404 Paxton St - Harrisburg, PA


        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

C# Front End Developer

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About Fidessa Are you driven to develop software where you'll make an impact? Do you have the passion to create cutting edge applications used across the world? At Fidessa, our prized developers do both. We are a technology driven company with a passion for delivering high performance innovations in the finance landscape. Our platform processes millions of transactions per second and is responsible for over 10 trillion dollars of trading annually. We are freethinking and do not believe in rigid structure or tight controls where these limit our ability to be innovative and adaptable. We recognize that a business is only as good as its people. To provide and build on our high-quality platform and services, we seek to employ only the best! Department Overview Fidessa's Core Development Team is a community of 300+ engineers represented in 6 continents in 15 global locations. The Development team is an enthusiastic mix of small teams focused on driving Fidessa's software into the future. Join us to see why many Developers say Fidessa is a place to grow, learn, and make a difference! Job Description The role of a Front End Developer is to support the design, coding, and testing of critical Fidessa components. The main focus for this role within the Development Team is to provide high-quality software that is performant and promotes usability, primarily using C# on the Windows platform and Java on UNIX-based platforms. Development is done on current and next generation platforms. The role will be based out of Jersey City, New Jersey. About You The successful candidate will need to demonstrate that they are self-motivated, take initiative and have strong problem solving skills. Additionally the candidate will need to be comfortable in a dynamic, fast paced environment, working as part of a team, but with a high degree of individual autonomy and be held accountable for their own work. Qualifications Experience programming with C# and Java Knowledge of C++, JavaScript, continuous integration tools and version control systems a plus Experience writing tests for unit testing frameworks Excellent verbal and written communication skills Outstanding analytical and problem-solving skills Bachelor's Degree in Computer Science or related field
          

VP Counsel of Advertising and Marketing- Mortgage Team

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Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application. At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. The Law Department supports the vision, values & goals of Wells Fargo by providing expert, creative, cost-effective, and timely advice and services to all Wells Fargo businesses and support functions. We operate in accordance with the highest standards of judgment, integrity, and ethical leadership to find creative solutions that best serve our customers, prudently manage risks, and contribute to Wells Fargo?s enterprise success. Responsibilities will include providing legal advice to the company, conducting legal research projects, and acting as an advisor to business personnel in interpreting laws and regulations, judicial opinion and regulator guidance pertaining to its marketing, advertising and communications activities and any UDAAP implications.

Required Qualifications
  • Active State Bar membership
  • 8+ years of experience as a practicing attorney; or 6+ years of experience as a practicing attorney and 2+ years of legal-related experience in one or a combination of the following areas: risk, compliance, contracts, government, regulatory, financial services, or technology

    Desired Qualifications
    • Excellent verbal, written, and interpersonal communication skills
    • Strong attention to detail and accuracy skills
    • Ability to effectively organize and prioritize work while handling multiple matters
    • Ability to work effectively in a complex environment with a high degree of collaboration
    • Effective in building partnerships, functioning well with project teams, and working for the success of the team
    • Ability to analyze legal and regulatory issues in area of practice and provide effective advice to clients on complex legal matters
    • Extensive experience conducting research and providing counsel and guidance regarding complex legal issues

      Other Desired Qualifications
      • Knowledge and understanding of state and federal laws and regulations, judicial opinions and regulator guidance applicable to marketing, advertising, and UDAAP matters
      • While candidate will provide legal support for Wells Fargo Home Lending, knowledge of and experience in the consumer real estate mortgage origination business is not required.
      • The ability to work in a complex environment requiring a high degree of collaboration
      • Experience building partnerships, functioning well with project teams and working for the success of the team
      • Effective organizational, multi-tasking, and prioritizing skills
      • Ability to be flexible and adaptable to changing priorities and deadlines



        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Compliance Consultant - Enterprise Testing Annual Plan Lead

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Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application. At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you. Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company. Within Wells Fargo Compliance, the Enterprise Testing group is responsible for establishing and maintaining a consolidated Enterprise Testing program at the corporate level. Enterprise Testing is responsible for developing a common methodology and standards, providing governance and oversight, executing testing; and conducting horizontal reviews. Testing and validation teams are responsible for implementing the Enterprise Testing methodology and standards, and executing group- specific testing. The Program Standards team in Enterprise Testing, is seeking a Compliance Consultant 5 to provide critical leadership of the annual planning process within Enterprise Testing. Enterprise Testing has responsibility for control testing across the company, and is heavily relied upon by internal audit and regulatory agencies, and is therefore subject to intense scrutiny. This senior level contributor will oversee the development of the annual plan, which is comprised of a high volume of individual engagements that test thousands of controls. The ability to lead a large organization of professionals in developing and managing a risk-based plan is important to the overall success of the independent testing function. Annual planning activities consist of the development of the initial annual plan, managing changes to that plan including the mid-year refresh, and reviewing the progress against that plan prepared by the data analytics team. Specific duties for this position include, but are not limited to:
  • Lead the development and production of Enterprise Testing's annual plan and mid-year refresh
  • Create, update, and maintain annual planning procedures, tools, and templates and effectively communicate their usage to the broader organization
  • Exercise sound judgment when evaluating and applying the risk-based planning approach
  • Collaborate with Group Testing and Validation teams within Enterprise Testing as they conduct annual planning activities; facilitate meetings and drive consistency with annual planning activities
  • Maintain and ensure adequate documentation to support and evidence annual planning activities
  • Partner with the data analytics team to track progress to plan, and provide data requirements to support annual planning activities
  • Develop business requirements for a longer-term technology solution to support annual planning activities, and lead the implementation in partnership with Enterprise Testing and the company's technology teams

    Required Qualifications
    • 10+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 10+ years of IT systems security, business process management or financial services industry experience, of which 5+ years must include direct experience in compliance, operational risk management, or a combination of both

      Desired Qualifications
      • Advanced Microsoft Office skills
      • Excellent verbal, written, and interpersonal communication skills
      • Strong analytical skills with high attention to detail and accuracy
      • Ability to interact with all levels of an organization

        Other Desired Qualifications
        • Ability to work and influence successfully within a matrixed environment and build effective business partnerships with all levels of team members
        • Excellent written and verbal communication skills, including experience negotiating with all levels of staff and management, including executive leadership
        • Ability to explain complicated processes to all audiences in a clear and concise manner
        • Demonstrated ability to influence and provide credible challenge to other risk professionals and the business
        • Ability to demonstrate strategic thinking and big-picture orientation, and solve problems in a practical and sustainable manner
        • Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
        • Advanced knowledge and understanding of internal controls and activities that support control effectiveness assessments
        • Experience with front-line risk management frameworks and programs, and related controls
        • Experience with remediating regulatory and/or internal audit issues
        • Experience with risk reporting tools such as SHRP or other GRC applications
        • Experience testing regulations, policies and procedures, and control testing
        • Experience working in a virtual environment to effectively drive results, and manage and build relationships in a geographically dispersed team environmentFor Testing and Validation Positions Only:One or more of the following certifications is desired:
          • Certified Anti-Money Laundering Specialist (CAMS)
          • Certified Financial Crimes Specialist (CFCS)
          • Certified Information Systems Auditor (CISA)
          • Certified Internal Auditor (CIA)
          • Certified Public Accountant (CPA)
          • Certified Regulatory Compliance Manager (CRCM)
          • Certified Risk and Compliance Management Professional (CRCMP)
          • Certified Risk Professional Program (CRP) For Testing and Validation Positions Only

            Job Expectations
            • Ability to travel up to 10% of the time

              Salary Information
              The salary range displayed below is based on a Full-time 40 hour a week schedule.

              NC-Charlotte: Min: $110,600 Mid: $158,000
              MN-Minneapolis: Min: $110,600 Mid: $158,000
              MO-Saint Louis: Min: $110,600 Mid: $158,000
              IA-Des Moines: Min: $110,600 Mid: $158,000
              IA-West Des Moines: Min: $110,600 Mid: $158,000
              OR-Portland: Min: $110,600 Mid: $158,000
              TX-DAL-North Dallas: Min: $110,600 Mid: $158,000
              TX-San Antonio: Min: $110,600 Mid: $158,000
              SC-Fort Mill: Min: $110,600 Mid: $158,000
              PA-Philadelphia: Min: $121,700 Mid: $173,800
              SD-Sioux Falls: Min: $99,500 Mid: $142,200


              Disclaimer

              All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

              Relevant military experience is considered for veterans and transitioning service men and women.
              Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


              Company Description:

              Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Mortgage Consultant (SAFE)

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Job Description
At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
  • ?Develop knowledge of company products, policies and procedures, and underwriting requirements
  • ?Understand real estate appraisals, title reports, and real estate transactions
  • ?Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
  • ?Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
  • ?Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
  • ?Develop and maintain a high degree of visibility for WFHM in the marketplace
  • ?Perform miscellaneous duties as needed and required???????????????????????????

    Required Qualifications
    • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

      Desired Qualifications
      • Basic Microsoft Office skills
      • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
      • Excellent verbal, written, and interpersonal communication skills
      • Mortgage industry experience
      • Knowledge and understanding of sales prospecting and generating referrals
      • Bilingual speaking proficiency in Spanish/English
      • Customer service experience
      • A BS/BA degree or higher

        Job Expectations
        • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
        • Ability to work nights, weekends, and/or holidays as needed or scheduled
        • Reliable transportation
        • Ability to lift 20+ pounds
        • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.

          Street Address
          IN-Indianapolis: 8888 Keystone Xing - Indianapolis, IN
          IN-Mishawaka: 4101 Edison Lakes Pkwy - Mishawaka, IN
          IL-Aurora: 4332 Fox Valley Center Dr - Aurora, IL
          IL-Orland Park: 15255 S 94th Ave - Orland Park, IL
          IL-Bourbonnais: 215 N Convent St - Bourbonnais, IL
          IN-Dyer: 202 Joliet Street - Dyer, IN
          IL-Champaign: 301 N Neil Street - Champaign, IL
          IN-Fort Wayne: 1230 Ruston Pass - Fort Wayne, IN
          IL-Peoria: 4700 N Sterling - Peoria, IL
          IL-Springfield: 4800 W Wabash Ave - Springfield, IL
          IL-Bloomington: 502 N Prospect Rd - Bloomington, IL
          IL-Ottawa: 1402 Columbus Street - Ottawa, IL
          IL-Galesburg: 2131 N Henderson St - Galesburg, IL


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

Teller Fairfax 20 hours

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Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.?

Required Qualifications
  • 1+ year of experience interacting with people, demonstrated through work, military, or education

    Desired Qualifications
    • Customer service focus with experience handling complex transactions across multiple systems
    • Ability to influence, educate, and connect customers to technology
    • Ability to interact with integrity and professionalism with customers and team members
    • Ability to meet or exceed performance objectives
    • Experience working with others on a team to meet customer needs
    • Cash handling experience
    • Ability to follow policies, procedures, and regulations
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Well-organized, independent and able to prioritize in a fast paced environment
    • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
    • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Job Expectations
      • Ability to stand for extended periods of time
      • Ability to work weekends and holidays as needed or scheduled

        Street Address
        DE-Wilmington: 2011 Concord Pike - Wilmington, DE


        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
          

A Circular Economy: The New Buzzword Sustainable Brands Are Embracing

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TCM Classic -- Lately, we're thinking more about our collective consumer habits and the impact they have on our future. The more we learn, the more we can understand the issues - and solutions - in a broad context, and make responsible decisions accordingly. Check out this classic piece on a fascinating term: circular economy...

when we shop sustainably, we're voting for change with our own dollar. More brands are embracing what's called a "circular economy", a concept sustainability storyteller and co-founder of Noble Media, Laura Piety, breaks down for us below... 

Sustainability. Transparency. Innovation. Ethical."You've been living under a rock if you haven’t heard these words buzzing around the fashion industry for the last few years. And they’re not just catchy slogans, but words that indicate new DNA slowly being cultivated in the industry, from the coolest emerging brands with sustainability embedded into the fabric of their story, to the larger companies trying to reverse engineer a level of environmental care into their supply chains.

Much of this can be summed up in a new type of terminology and thinking (well, it’s not new at all, but currently on the lips of most fashion-forward brands around): the idea of a circular economy. Simply put, this way of doing business is entirely regenerative. Rather than ‘making and disposing’ of product, there is a focus on recycling, re-using and zero waste -- a focus that is intentionally embedded into every facet of a garment’s lifecycle, from it’s design and manufacture, to what happens beyond its point of sale. It’s now (rightfully) hip to be smart about the materials and fabric used (recycled ocean plastic, anyone?) and the waste created (let’s reduce carbon footprint, use renewable energy resources, and minimize or even upcycle waste). It’s about creating products that, beyond their initial use, can be recycled and regenerated rather than sent to a landfill or upcycled and given to a new owner (it’s definitely cool to consign).

If you want to get into the business of building a circular economy, well, it’s also a money maker. It has been estimated that a transition to this new regenerative way of doing things could open up $4.5 trillion of GDP growth by 2030.* Seems smart, no?

So, who is doing this well? There are a plethora of brands in the fashion industry who are taking note. And it’s not just fashion, even fragrance is getting in on the act. As ever, Stella McCartney is on the forefront of implementing these regenerative practices (see her partnerships with The Real Real and the Ellen MacArthur Foundation, in addition to her use of innovative fabrics, notably with Bolt Threads). You’ve also got Adidas and their work with Parley to recycle ocean trash into the coolest new sneakers around - plastic waste that is otherwise legitimately killing our seas and everything in them - as well as emerging brands like Sana Jardin, the world’s first socially conscious, luxury fragrance house that upcycles its floral waste into new products that their flower harvesters sell and retain the profits of.**

As consumers, it’s easy to zone out when it comes to this kind of talk and think the onus is on brands to adhere to this new way of doing things. But, truth be told, we do hold some level of responsibility (and buying power). So what to do?

Be aware that things in the fashion industry need to move toward this kind of economy. The second is learning about the brands doing it better. And the third is to ask questions of the companies you typically purchase from and set a level of expectation about how they do business.

Ultimately, we have the ability to choose what we buy. As consumers we should be looking for quality over quantity - items that can be worn over and over again (or consigned successfully) - and we should, ideally, be avoiding items that, although cheap and cheerful, will quickly end up in our trash cans.

*Peter Lacy and Jakob Rutqvist, Waste to Wealth: The Circular Economy Advantage, New York and London: Palgrave Macmillan, 2015.
**Full transparency here - Sana Jardin is a client of Noble Media, but their work in the fragrance space is genuinely making waves in the industry.


Learn more about the importance of slow fashion and the need for more sustainability in the industry here.

The post A Circular Economy: The New Buzzword Sustainable Brands Are Embracing appeared first on The Chalkboard.


          

Software Development Engineer - SDE Java Angular

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SunIRef:Manu:title Software Development Engineer - SDE - Java & Angular JP Morgan Chase 21,577 reviews - Seattle, WA 98101 JP Morgan Chase 21,577 reviews Read what people are saying about working here. JP Morgan Chase operates in over 100 markets serving millions of customers, business, and clients (corporate, institutional, and government). It holds $18 trillion of assets under custody and manages $393 billion in deposits every day. As a member of the Application Classification and Protection team you will build trust with our customers to innovate and develop next generation solutions to protect our systems and data across the business. You will design and engineer software that will enable our business to meet the changing security standards while setting the strategic direction for how to support the business long term. To be successful you will need to connect with a global network of technologists from around the world to apply your skills to solve mission critical problems while embracing new technologies and methodologies. Along the way you will develop skills with a wide range of technologies including distributed systems, cloud infrastructure, and cybersecurity concepts and methodologies (encryption, tokenization, masking, and other data protection techniques). The world of Cybersecurity involves adapting to a constantly changing world; as part of this team you will be thinking both how to solve problems in the now and also for the next generation of threats. JP Morgan Chase invests $9.5B+ annually in technology and you would be one of 40k+ technologists who innovate in how the firm builds initiatives like big data, machine learning, and mobile/cloud development. We want people like yourself to create innovative solutions that will not only transform the financial services industry, but also change the world. This role requires a wide variety of strengths and capabilities, including: Experience developing with Java, C# (or similar Object-Oriented languages) or Experience developing with high-level script languages such as Python or JavaScript Knowledge and experience designing and building large scale and high availability systems Experience utilizing operational tools and monitoring solutions that ensure the health and security of our services. 5+ years' experience developing enterprise software or Masters' degree in Computer Science or equivalent degree) Experience in one or more of the following preferred: Working knowledge of Spring Framework (Core, Boot, MVC) Working knowledge of RDBMS and NOSQL technologies Working within an agile development methodology (Kanban, Scrum, etc.) Experience with continuous delivery and deployment. Experience assessing of data protection approaches, requirements, and activities Understanding of cryptography, masking, tokenization or other data protection technologies and their impact to the application Knowledge of system security vulnerabilities and remediation techniques, including penetration testing and the development of exploits Experience developing software using continuous integration/deployment pipeline that includes vendor solutions Experience in next generation platforms such as cloud, PaaS, mobile, and big data At JPMorgan Chase & Co. we value the unique skills of every employee, and we're building a technology organization that thrives on diversity. We encourage professional growth and career development, and offer competitive benefits and compensation. If you're looking to build your career as part of a global technology team tackling big challenges that impact the lives of people and companies all around the world, we want to meet you. JPMorgan Chase & Co. is an equal opportunity employer. JP Morgan Chase - Just posted report job - original job
          

Servicing Portfolio Risk and Analytics Manager

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The Enterprise Consumer Credit Risk Department within the Enterprise Risk Management Division is responsible for independent oversight and assessment of Freddie Mac?s consumer credit risk management activities involving the company?s $1.9 trillion single-family (SF) portfolio. The incumbent will monitor and assess SF portfolio risk management strategies and processes, including servicing and REO activities.

If you are looking to apply your knowledge of mortgage servicing and strong analytical and influencing skills in a second line role working alongside some of the brightest minds in the industry, then this job is for you.

Your Work Falls into Two Primary Categories:

Portfolio Risk Oversight
  • Lead independent oversight and assessment of SF portfolio risk management strategies and servicing performance activities
  • Monitor and evaluate REO strategies and activities
  • Monitor compliance with corporate risk policies and standards governing portfolio consumer credit risk management activities
  • Evaluate new business initiatives and evolving servicing practices for consumer credit risks
  • Identify and communicate significant risks and issues (?credible challenge?) to the Chief Enterprise Risk Officer and SF business management; monitor risk response and resolution activities
  • Document results of independent oversight and assessment
  • Perform other ad-hoc risk analysis as needed
  • Build strong partnerships with SF counterparts and across Enterprise Risk ManagementAnalytics
  • Review risk indicators to monitor compliance with the SF portfolio risk appetite; measure credit risk exposure due to servicing activities
  • Analyze and monitor servicing of performing and non-performing loans
  • Review and independently analyze impact of updates to Freddie Mac decisioning models; analyze trends and emerging risks related to servicing activities
  • Review distressed asset valuation and analyze effectiveness of servicing loss mitigation programsQualifications
    Requirements
  • 8-10 years of related professional work experience
  • BS/BA degree in Finance, Economics, Mathematics, Statistics or similar
  • Excellent oral and written communications skills
  • Strong data management skills using SQL, Tableau or other analytical tools to query and analyze data, and prepare reports and presentations
  • Proficient in MS Office Suite, specifically Excel and PowerPoint
    Keys to Success in this Role
  • Execution focused, with demonstrated initiative and personal accountability
  • Strong consultation and influencing skills
  • Ability to work with and collaborate across the team and where silos exist
  • Ability to work independently and adapt in a changing environment
  • Ability to perform empirical analysis and synthesize information for stakeholders, including senior management
  • Curiosity to learn and challenge the status quoTop 3 Personal Competencies to Possesses
  • Partnership: Build trust and strong partnerships through my own and my team?s actions
  • Drive for Execution: Be accountable for strong individual and team performance
  • Seek and Embrace Change: Actively support culture change initiativesPreferred Skills
  • Mortgage Servicing experience
  • Experience in consumer credit risk portfolio management
  • MBA/MS in Finance, Economics, Statistics, Quantitative FinanceKnowledge of Freddie Mac internal processes and/or modelsToday, Freddie Mac makes home possible for one in four home borrowers and is one of the largest sources of financing for multifamily housing. Join our smart, creative and dedicated team and you?ll do important work for the housing finance system and make a difference in the lives of others. Freddie Mac is an equal opportunity and top diversity employer. EOE, M/F/D/V.
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    Financial Crimes Consultant 4 - Commercial Banking

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Wholesale Banking provides financial solutions to businesses across the United States and globally. Our four major business lines include Corporate & Investment Banking, Commercial Banking, Commercial Real Estate, and Wells Fargo Commercial Capital. We also have groups in credit risk, group risk, finance, marketing, human relations, and the Wholesale Chief Operating Office that support our businesses.The Wholesale Control (WC) organization serves as the front line risk management organization within Wholesale Banking supporting the businesses with risk strategy, implementation, and execution. The Wholesale Control team is accountable to assess and effectively manage risks across all risk types and Wholesale businesses, delivering an integrated view of risks, producing a sustainable control environment, and instilling a culture of strong risk management. The team is responsible to identify and assess risks, design and implement controls, and monitor the controls to ensure they are working effectively. Wholesale Control interfaces with Independent Risk Management and Audit to drive comprehensive and consistent implementation of regulatory and corporate risk policies and programs across Wholesale.?The newly established Commercial Banking Group is the largest transactional business in the Wholesale banking group. It is a newly formed group combining: (a) Middle Market Banking; (b) Business Banking Group; (c) Government & Institutional Banking; and (d) specialty customer segments.We are looking to add two Financial Crimes Consultant 4's to our team.?These individuals will be responsible for investigative research, analysis, and reporting of complex financial crimes transactions, policy violations and/or suspicious situations with high levels of risk. They will implement and monitor loss prevention strategies, and adjust strategies as necessary.Duties include any or all of the following:
    • Conducts investigative research using appropriate investigative techniques to determine liability and impact of cases, including mitigation of financial losses or business interruptions.
    • Partners closely with senior leadership to develop strategies to minimize financial crimes portfolio risk through innovative methods with the ultimate goal of maximizing profits.
    • Provides leadership within the team.
    • Acts as a liaison with Legal and law enforcement agencies; may represent organization in handling court appearances, depositions, mediations, arbitrations, etc.
    • Typically viewed as a subject matter expert relative to financial crime situations.
    • May specialize in a particular type of financial crime.Team members support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit?s risk appetite and all risk and compliance program requirements.

      Required Qualifications
      • 6+ years of experience in one or a combination of the following: fraud, Bank Secrecy Act, anti money laundering, investigations of financial crimes transactions or policy violations, risk management, or compliance; or a BS/BA degree or higher in applied sciences, mathematics, statistics, economics, finance or criminal justice and 4+ years experience in the foregoing

        Desired Qualifications
        • Excellent verbal, written, and interpersonal communication skills
        • Intermediate Microsoft Office (Word, Excel, and Outlook) skills
        • Anti Money Laundering (AML) and Bank Secrecy Act (BSA) experience
        • Certified Anti Money Laundering Specialist (CAMS)
        • Ability to translate and summarize complex data into understandable, actionable information and recommendations
        • Commercial banking experience

          Other Desired Qualifications
          • Prior experience investigating/analyzing transactions

            Job Expectations
            • Ability to travel up to 10% of the time

              Salary Information
              The salary range displayed below is based on a Full-time 40 hour a week schedule.

              MN-Minneapolis: Min: $74,600 Mid: $105,000
              TX-DAL-Downtown Dallas: Min: $74,600 Mid: $105,000
              NC-Raleigh: Min: $74,600 Mid: $105,000
              GA-Atlanta: Min: $74,600 Mid: $105,000


              Street Address
              MN-Minneapolis: 90 S 7th St - Minneapolis, MN
              TX-DAL-Downtown Dallas: 1445 Ross Ave - Dallas, TX
              NC-Raleigh: 1100 Corporate Center Dr - Raleigh, NC
              GA-Atlanta: 171 17th St Nw - Atlanta, GA


              Disclaimer

              All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

              Relevant military experience is considered for veterans and transitioning service men and women.
              Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


              Company Description:

              Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Compliance Consultant 4

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    Job Description
    At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.This is an exciting opportunity to join the Wealth and Investment Management (WIM) Shared Services Compliance team.? The WIM Shared Services team is generally responsible for successfully designing, managing, and overseeing the implementation and ongoing execution of Corporate Compliance policies, procedures, and compliance program requirements across WIM Compliance, as well as to provide central support to the WIM Compliance organization.This position will support, maintain and oversee Shared Risk Platform (SHRP) Compliance Solutions Management (CSM) in the WIM Shared Services SHRP Support team. This role will primarily focus on assisting with SHRP data quality efforts across WIM Compliance, such as conducting quality assurance reviews, supporting WIM Compliance with SHRP related projects and initiatives, and potentially perform other SHRP support activities (e.g., participate in system and reporting enhancement sessions, conducting UAT, facilitate system access, etc.). Specific job duties include:
    • Provide support and consultation across WIM Compliance on SHRP activities to ensure data quality requirements are being met.
    • Conduct quality assurance reviews to help ensure SHRP data quality standards are met; identify trends and possible training opportunities.
    • Participate in SHRP related initiatives, remediation efforts, system enhancements and UAT as needed.
    • Assist with reporting and progress tracking for WIM Compliance on SHRP related initiatives.????
    • Participate in community of practice meetings with WIM Compliance team members performing SHRP activities.?
    • Partner and engage with WIM Testing and Validation, WIM and Wells Fargo Compliance, and other key SHRP stakeholders as part of ongoing SHRP related activities.
    • Perform potentially other SHRP responsibilities, such as facilitate SHRP access, consult on and maintain WIM RAU structure, and other SHRP duties as needed or assigned.????
    • Foster a culture of positive collaboration, partnerships, and support with key stakeholders, and working with WIM-wide project teams as necessary to meet stated objectives and deliverables.**Please note that posting duration may be shortened based on job seeker volume.**

      Required Qualifications
      • 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both

        Desired Qualifications
        • Advanced Microsoft Office skills
        • Excellent verbal, written, and interpersonal communication skills
        • Strong analytical skills with high attention to detail and accuracy
        • Ability to interact with all levels of an organization

          Other Desired Qualifications
          • Knowledge, understanding, previous user experience with SHRP platform functionality,? particularly Compliance Solutions Management.
          • Prior experience with SHRP Reporting.
          • Prior experience with identifying and/or documenting controls.
          • Knowledge of SHRP related standards and time lines.
          • Previous project participation, including tracking and status reporting on progress, and meeting stated objectives and time lines.
          • Demonstrated ability to be highly organized and effective at time management.
          • Solid critical-thinking and problem-solving abilities; capable of maintaining positive relationships across a matrixed environment.
          • Ability to operate independently and execute work in a fast paced environment while balancing multiple priorities.
          • Some knowledge of the Wealth and Investment Management business is preferred.

            Job Expectations
            • Ability to travel up to 10% of the time

              Salary Information
              The salary range displayed below is based on a Full-time 40 hour a week schedule.

              MN-Minneapolis: Min: $80,500 Mid: $115,000
              IA-Des Moines: Min: $80,500 Mid: $115,000
              MO-Saint Louis: Min: $80,500 Mid: $115,000
              NC-Charlotte: Min: $80,500 Mid: $115,000
              NC-Charlotte: Min: $80,500 Mid: $115,000
              NC-Charlotte: Min: $80,500 Mid: $115,000


              Disclaimer

              All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

              Relevant military experience is considered for veterans and transitioning service men and women.
              Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


              Company Description:

              Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Warren's 'Medicare for All' Attacked by Both Reps and Dems, Also Parodied on SNL Show

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    According to the 2020 presidential candidate, Warren's $52 trillion healthcare plan envisions replacing private health insurance with a fully government-subsidized one. To guarantee the plan, Warren vows ''not to raise taxes one penny on middle-class families'' and instead to hit US billionaires.
              

    Curbing waste, fraud, and abuse with data analytics

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    “The federal government continues to face an unsustainable long-term fiscal path caused by an imbalance between federal revenue and spending. While addressing this imbalance will require difficult policy decisions, opportunities exist in a number of areas to improve this situation, including where federal programs or activities are fragmented, overlapping, or duplicative.” – Government Accountability Office, 2019

    It’s clear that sound government is synonymous with sound stewardship. As the GAO so aptly points out, without a proactive, sustainable approach to fiscal management and accountability, there is a lot of uncertainty ahead. Making fiscal accountability a top priority can help reduce uncertainty, and ensure organizational viability into the future. And for today’s public sector organizations, that means leveraging data to quantify, validate, and analyze programs, costs, and expenditures at a granular level, and identify where problems are occurring.

    Using data to curb the financial risks and vulnerabilities, improper payments and leakages—otherwise known as waste, fraud, and abuse—associated with government spending is a necessary first step for all organizations that are serious about improving accountability and supporting sound stewardship of taxpayer dollars. Just how large is the challenge? Consider these data points:

    What is an improper payment?

    According to paymentaccuracy.gov, improper payments happen when:

    • Federal funds go to the wrong recipient
    • Recipient receives an underpayment or an overpayment
    • Documentation isn’t available to determine whether payment is proper
    • Recipient uses federal funds in an improper manner

    It’s important to note that not all improper payments are fraud, and that not all improper payments represent a loss to the government. But, as paymentaccuracy.gov points out, “all improper payments degrade the integrity of government programs and compromise citizens’ trust in government.”

    However, whether caused from intentional acts, or administrative mistakes, the pressure to address waste, fraud, and abuse is serious for public sector leaders. At risk are core priorities including mission fulfillment, financial stability, reputation, and public trust. And these risks aren’t exclusive to entitlement programs. All government entities—whether federal, state, local, or educational—struggle to combat waste, fraud, and abuse. What’s game-changing is the relatively recent acknowledgement across government organizations that data must play a central role in the fight against financial risks. Thanks to legislation and policies that require data-driven insights to be used for greater accountability, transparency, and openness, most governmental organizations have begun to transform their approach. Some of these mandates include:

    • Taxpayer’s Right to Know Act (pending legislation)
    • Evidence-Based Policymaking Act (2019)
    • President’s Management Agenda (2019)
    • OPEN Government Data Act (2017)
    • Fraud Reduction and Data Analytics Act (2015)
    • Improper Payments Elimination and Recovery Improvement Act (2012)
    • Government Charge Card Abuse Prevention Act (2012)
    • Improper Payments Elimination and Recovery Act (2010)
    • Executive Order 13520 Reducing Improper Payments (2009)
    • Confidential Information Protection and Statistical Efficiency Act (2002)

    Leaning in to data-driven government

    The systemic, data-driven approach to government envisioned by law and policy makers means much more than replacing legacy processes with electronic automation. It means a wholesale cultural change, where siloed information is available and shareable amongst teams and between stakeholders; where data from disparate sources can be accessed and analyzed with ease; and—importantly—where government financial leaders routinely use data-driven insights to improve service delivery, reduce financial risk, and champion data as the strategic asset that it is intended to be.

    In a digitally mature organization, data analytics are at the center of efforts to mitigate waste, fraud, and abuse. There’s a common-sense understanding that it’s more cost effective to proactively use risk modeling, trend analysis, and even geospatial analysis to identify potential issues, instead of old-school, after-the-fact “pay and chase” methods. The Department of Agriculture, for example, is able to compare crop damage claims with National Weather Service satellite data to determine if claims for weather-damaged crops are fraudulent. These analyses have saved $1B over 10 years.

    Government contracts are another area where granular insights provided by a powerful data analytics solution can play a critical part in detecting waste, fraud, and abuse. According to Linda Miller, principal, and leader of the Fraud Risk Mitigation practice at Grant Thornton, LLP, data analytics can be used to identify areas for increased monitoring—including the use of social networking analysis, data on contract types, vendors, and contracting officers. Armed with critical insights, it’s much easier to understand the unique patterns and behaviors that indicate financial risk, and time to action is accelerated.

    HRSA harnesses the power of Tableau to gain key insights

    A modern, visual analytics platform is ready to take on these complex data challenges. An enterprise-ready platform like Tableau provides users with the capability to reach in to structured and unstructured data sources and explore, intuitively, without compromising an organization’s privacy or governance rules. The right platform can grant access to the right users, at the right times, and be flexible enough to scale as needs and requirements change. The platform should allow teams to collaborate, and create dashboards that provide insights from existing and new data sources.

    HRSA: a closer look

    The Health Resources and Services Administration (HRSA), with over 2,000 FTEs, and a 2019 President’s Budget total program level of $9.6 billion, manages over 90 programs and 3,000 grantees. Tens of millions of Americans receive quality, affordable health care and services from the agency, including people living with HIV/AIDs, pregnant women, and mothers. HRSA also oversee organ, bone marrow, and cord donation, compensates individuals harmed by vaccination, and maintains databases that protect against health care malpractice, waste, fraud, and abuse.

    Tableau enabled the Health Resources and Services Administration (HRSA), an agency of the US Department of Health and Human Services, to meet the challenge of analyzing high-value data that resides in a variety of places. In addition to agency data, HRSA needed a way to access and extract department and federal government data, and ensure it was secure and reliable. With Tableau, HRSA is able to access all the data sources they need to obtain contextual information existing outside of their own commitment tracking system. Leveraging a variety of data sources, HRSA has built a Tableau dashboard to look at credit card transactions—a typically problematic area for all government organizations. The agency is able to use the dashboard to see transaction-level detail by cardholder, and by month. Having all the data in one dashboard allows the Office of Financial Policy and Controls to identify instances where cards are likely lost or stolen, and see lags in transaction dates that may have been posted in their accounting system. In addition, HRSA uses Tableau Prep to do data cleansing and preparation on the frontend, which “saves us mountains of time on the backend…it has some built-in functionality that is super helpful for us on the data administration side,” according to HRSA Director of Financial Policy and Analysis Joe Roach.

    Public sector organizations have long aspired to reduce waste, fraud, and abuse and improve their overall fiscal health. But without the right tools—in addition to the nudges provided by policy and statutory mandates, and the cultural shift necessary to embrace a data-first approach—efforts have been mixed. Today, a new era of government is decidedly data-driven, accountable, and transparent. To learn more about how Tableau can help your organization reduce financial risks and improve outcomes with the power of your data, visit our Finance Analytics for Public Sector page.


              

    The 25-year-old who invented a way to clean plastic out of the ocean just debuted a barge that captures trash in rivers, before it gets to the sea

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    Ocean Cleanup Interceptor

    Around 8.8 million tons of plastic enter the world's oceans each year — the equivalent of a truckload of garbage every minute. Over time, this trash can accumulate in offshore garbage patches and linger there for decades

    The largest of these vortexes, the Great Pacific Garbage Patch, is located in Pacific Ocean between Hawaii and California. It's estimated to contain more than 1.8 trillion pieces of floating plastic — the equivalent of 250 pieces of debris for every person on Earth.

    For the last six years, a nonprofit called The Ocean Cleanup has been developing a system to passively collect plastic from the garbage patch using the ocean's current. The product of those efforts — a floating, U-shaped device that traps plastic in its fold like a giant arm — has finally been working as planned for the last month.

    But even that success doesn't stop any new plastic from entering the ocean.

    To address that problem, The Ocean Cleanup recently designed a new device called "The Interceptor." It's essentially a catamaran that glides across the surface of rivers, channeling plastic toward a conveyor belt. The trash then gets deposited into attached dumpsters.

    Since most marine plastic comes from rivers, the vessel could help address the waste problem before it reaches an ocean garbage patch. 

    The Ocean Cleanup Malaysia

    The organization's 25-year-old founder, Boyan Slat, unveiled the new device  at an event in the Netherlands on October 26. 

    Plastic in rivers enters a conveyor belt then gets deposited into floating dumpsters

    The Ocean Cleanup estimates that 1,000 rivers — around 1% of the global total — carry roughly 80% of the plastic that winds up in the ocean out to sea. The rivers responsible for the most marine pollution, they found, are small waterways in urban areas. 

    So the organization created the Interceptor to collect plastic from these rivers.

    The vessel moves with the water's current, so it doesn't need to be towed. Plastic on the water's surface gets pushed by the current toward a conveyor belt, then funneled into six dumpsters on a separate barge that floats underneath the vessel.

    When the dumpsters get full, the system sends a message to operators on land. The operators can then dispatch a boat to tow the barge (and the plastic waste) to shore. The Ocean Cleanup estimates that one Interceptor can remove around 110 tons of plastic per day. 

    The device's lights, sensors, and conveyor belt are 100% solar-powered.

    Ocean Cleanup Interceptor

    The Interceptor is designed to operate in almost any river, but it can be tailored to suit different types of conditions. For example, some rivers have a concentrated path of debris, so the conveyor belt can simply take in the trash that flows toward the vessel; in other cases, a guardrail can channel plastic toward the vessel's mouth.

    Two vessels are already operating in Malaysia and Indonesia

    The Ocean Cleanup has so far built four prototypes of the Interceptor and deployed two of them. 

    The Ocean Cleanup River Device

    The first prototype was dispatched in the Cengkareng Drain, a river that runs through Jakarta, Indonesia. It includes a guardrail to funnel plastic toward the conveyor belt. Instead of depositing trash into dumpsters, the belt dumps waste into giant garbage bags that are then towed to shore.

    The second prototype was dispatched in the Klang River in Malaysia. The waterway abuts Port Klang — a well known dumping ground for plastic waste. On that vessel, the conveyor belts sends plastic directly into dumpsters on the floating barge. 

    The organization plans to deploy one of the remaining prototypes in Vietnam's Mekong Delta, and the other in a river in Santo Domingo, the capital of the Dominican Republic.

    By the end of 2025, The Ocean Cleanup hopes to deploy their vessel in the 1,000 rivers worldwide that send the most plastic pollution into the ocean.

    SEE ALSO: A 25-year-old's mission to clean up the Great Pacific Garbage Patch has yielded a new discovery — and it means the plastic problem is even worse than we thought

    SEE ALSO: The massive plastic-cleaning device invented by a 25-year-old is finally catching trash in the Great Pacific Garbage Patch

    Join the conversation about this story »

    NOW WATCH: This incredible animation shows what 80,000 tons of garbage in the ocean looks like


              

    Enterprise Account Executive

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    About Us At Cloudflare, we have our eyes set on an ambitious goal: to help build a better Internet. Today the company runs one of the world's largest networks that powers trillions of requests per month. Cloudflare protects and accelerates any Internet application online without adding hardware, installing software, or changing a line of code. Internet properties powered by Cloudflare have all web traffic routed through its intelligent global network, which gets smarter with every request. As a result, they see significant improvement in performance and a decrease in spam and other attacks. Cloudflare was recognized by the World Economic Forum as a Technology Pioneer and named to Entrepreneur Magazine's Top Company Cultures list. We realize people do not fit into neat boxes. We are looking for curious and empathetic individuals who are committed to developing themselves and learning new skills, and we are ready to help you do that. We cannot complete our mission without building a diverse and inclusive team. We hire the best people based on an evaluation of their potential and support them throughout their time at Cloudflare. Come join us! About the Department Account Executives, Channel Account Managers, Business Development Representatives, Solution Engineers, Customer Success, and Sales Operations - all working together help our customers adopt Cloudflare and create great Internet-enabled experiences. The sales team at Cloudflare helps customers solve real, technical problems while creating the revenue streams that help the company provide free service to millions in our community. What you'll do We are looking for a seasoned sales professional to help us build an Enterprise Field Sales team to cover large accounts in the Austin, TX area. This is a great opportunity to be our first hire in Austin and play a critical role in establishing Cloudflare's presence in market. The ideal candidate will possess both a sales and technical background that enables them to drive engagement at all levels with technical and non-technical buyers. Verticals of particular interest include Financial Services and Media. As an Enterprise Account Executive, you will help design and execute the go-to-market mechanics for target verticals, including Financial Services and Media. You'll be responsible for developing and executing against a comprehensive account/territory plan as well as driving sales in a defined territory and/or account list to achieve revenue targets. The person in this role will also assist in creating and articulating compelling value propositions for Cloudflare services. Additional responsibilities will include: - Managing contract negotiations. - Maintaining a robust sales pipeline. - Developing long-term strategic relationships with key accounts. - Ensuring customer satisfaction. Examples of desirable skills, knowledge and experience - Bachelor's degree. - 6+ years of direct B2B selling experience, 3+ years selling to large enterprise accounts - Experience managing longer, complex sales cycles - Basic understanding of computer networking and how the internet works - Aptitude for learning technical concepts/terms (Technical background in engineering, computer science, or MIS a plus) - Strong interpersonal communication (verbal and written) and organizational skills. - Self-motivated; entrepreneurial spirit - Comfortable working in a fast paced dynamic environment What Makes Cloudflare Special? We're not just a highly ambitious, large-scale technology company. We're a highly ambitious, large-scale technology company with a soul. Fundamental to our mission to help build a better Internet is protecting the free and open Internet. Project Galileo: We equip politically and artistically important organizations and journalists with powerful tools to defend themselves against attacks that would otherwise censor their work, technology already used by Cloudflare's enterprise customers--at no cost. Project Athenian: We created Athenian Project to ensure that state and local governments have the highest level of protection and reliability for free, so that their constituents have access to election information and voter registration. Path Forward Partnership: Since 2016, we have partnered with Path Forward, a nonprofit organization, to create 16-week positions for mid-career professionals who want to get back to the workplace after taking time off to care for a child, parent, or loved one. *******: We released ******* to help fix the foundation of the Internet by building a faster, more secure and privacy-centric public DNS resolver. This is available publicly for everyone to use - it is the first consumer-focused service Cloudflare has ever released. Here's the deal - we don't store client IP addresses never, ever. We will continue to abide by our privacy policy and ensure that no user data is sold to advertisers or used to target consumers. Sound like something you'd like to be a part of? We'd love to hear from you! Cloudflare is proud to be an equal opportunity employer. We are committed to providing equal employment opportunity for all people and place great value in both diversity and inclusiveness. All qualified applicants will be considered for employment without regard to their, or any other person's, perceived or actual race, color, religion, sex, gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship, age, physical or mental disability, medical condition, family care status, or any other basis protected by law. We are an AA/Veterans/Disabled Employer. Cloudflare provides reasonable accommodations to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job. Examples of reasonable accommodations include, but are not limited to, changing the application process, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you require a reasonable accommodation to apply for a job, please contact us via e-mail at ***************** or via mail at 101 Townsend St. San Francisco, CA 94107.
              

    Gotham City Digest: Der Gropenführer edition

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    (Where we vow to never grope your pecs from behind.)

         Donnie Dumbo wants to pull firefighting funding from California. Then again, this is a fucking moron who thinks that windmills cause cancer.

         I just sent a nice long email to the right wing shyster who wrote this, in which he claimed that Omar was wrong in quoting Trump as saying Neonazis are "very fine people." He most certainly did and I made sure to let this clown know that and a lot more. I'll post the results later in a full post. This fucking guy's unreal.

         "Aiming to win back public confidence in the Boeing 737 MAX, major US airliners are reportedly planning to hold demonstration flights with senior company officials, but not real passengers, on board to prove the model is safe. "
          I bet they'll be buying a shitload of life insurance.

          Since I move exclusively in adult circles, I have to say I haven't seen behavior like this on a daily basis since grade school.

          #somuchwinning #somuchborrowing

          Another Trump scam. Shocking, I know. Or maybe, no one wants to eat with him.

          The trouble with this, besides the obvious, is that you can't drag a pig into the mud when it's already in it. Trump is already up to his bizarre comb over in the mire. He is to sleaze what Bill Gates is to software. Seriously, Trump threatening to launch a smear campaign against Vindman, a Jewish officer, is like the Dreyfus Affair 2.0. And, speaking of whom...

           That's right. Some right winger called up CSPAN and compared Lt. Col. Vindman to the Nazi propagandist. This is what happens when you get 100% of your news from Trump's Twitter feed.

            Jay Sekulow's already vowed they would fight this all the way to the Supreme Court. The right wingers on the court will probably rule forcing Trump to turn over his tax returns would amount to a violation of his 4th Amendment rights or some silly shit like that.

            California? Fuck 'em. They're Commie pinkos out to hurt America! Russia First!

            Kurt Suzuki will never live down this moment as long as he lives, not with his wife, his kids, grandkids or the nursing home orderlies.

            At this point, I look at Never Trumper Republicans like useful idiots and, yes, I count George Will in that number. People such as Will are acting shocked as if Trump is the first bad Republican "president" to come down the pike. These fireflies of clarity that occasionally go off in Will's brain, as well as other idiots such as Rick Wilson, Steve Schmidt and George Conway also gave Bush full-throated praise even as he stole the presidency twice and got us into two wars in which we're STILL engaged, bankrupting the Treasury and borrowing trillions from the Chinese to pay off those and his ruinous tax cuts. They each stood by and did nothing even as we tortured human beings for useless information. So, no, I will not listen to these right wingers as if they're the new voices of moral clarity. We got war criminals like Bush in the White House because of their right wing snuffling about how evil Socialism and liberalism is. Fuck 'em all. So, please, keep doing damage to Donnie Dumbo's "presidential" legacy. The next time a more moderate Republican gets in the WH, they'll sneak back into the party and start preaching the usual right wing orthodoxy. You just wait and see. Then remember what I said here in 2019.

           Remember when Nixon called Walter Cronkite before deciding to fire Archibald Cox? Yeah, me neither.
           But this is how clueless our government is.The morons running Foggy Bottom are so stupid, they're leaving personnel decisions with grave geopolitical implications to Sean Hannity, a guy who once ran a failed dating site.

           This is the REAL Richard Spenser when he's not getting free air time from CNN. This is one of the assholes Trump calls "very fine people."

           Hey, if Donnie Dumbo wants to bankrupt someone else besides the American taxpayer for his sporting outings, it might as well be the RNC.

            Meme intermission.

         Among the many disturbing revelations in the full testimonies and depositions of Marie Yovanoviych and Michael McKinley that were released by the House Intelligence Committee today was Marie Yovanovitch fearing for her life if she didn't get out of Ukraine as a colleague warned her to do. Another was Gordon Sondland telling her to "get big or get out" and to go on Twitter and support the "president."

           Speaking of which, for anyone that cares to read them in full, here are the links to the released testimonies of Michael McKinley and Masha Yovanovitch.

            It's Tuesday afternoon so have lunch with Volbeat, some of the best Dad rock on the planet.

            Anti-choice pregnancy centers are sometimes the worst choice a mother can make.

           When you don't have the guts to break the law, go the Rand Paul route and demand others do it for you.

            Make ISIS Great Again.

           "Went there, bitch."

          This is how toxic the Republican brand is: They're so ashamed of running as Republicans, they try to deceive voters into thinking they're Democrats.

         More right wing rat-fuckery. Note these Republican scumbags aren't defending Trump so they resort to sophomoric horseshit like this to slow the impeachment process.

          If Trump isn't a good racist, it isn't for lack of relentless trying.

          Wouldn't it be something if South Carolina, of all states, had two black senators?

          I always hate seeing those lying right wing losers at Project Veritas made artificially relevant but this hot mic moment that O'Keefe caught shows another major tv network actively suppressing a sex scandal story. NBC did the same thing with Ronan Farrow and his story about Harvey Weinstein. And it appears Amy Robach ran into stiff resistance from ABC brass in getting her interview with Virginia Roberts about Jeffrey Epstein on the air. By way of mollifying her, they're doing a six part podcast next year that virtually no one will watch, over six months after Epstein's death. And the MSM wonder why they're no longer trusted. And finally...

          Now you know why the Tory scumbags want to privatize the NHS. Imagine how much these leeches would rake in for executive bonuses if THAT were to happen.

              

    "The Fools Are Rushing in Again"

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    "The Fools Are Rushing in Again"
    by Brian Maher

    "As a bad penny returns to its sender, or a dog returns to its vomit… investors are returning to the stock market. “All in” these gentlemen and ladies are going (or at least the computer algorithms that set market pace). Lance Roberts of Real Inves‌tment Advice: "With cash levels at the lowest level since 1997 and equity allocations near the highest levels since 1999 and 2007, it suggests investors are now functionally “all in.”

    You may recall sharply unpleasant events subsequent to 1999 and 2007 - after investors had become “all in.” Now that they are once again marshalling their poker chips… and shoving them out onto table’s center. Will Mr. Market break them once more - or do they possibly play a lucky hand this time?

    First this question: Why are these gamesters going “all in” now? We believe we have the answer, revealed anon. We first note the stock market has once again scaled the impossible heights…

    Is a “Melt-up” Back in Play? All three major indexes have recently established fresh records. And so the market has scaled its cliff face of worry. Trade war, impeachment inquiry, a fading global economy, Brexit, the devil and any number of impediments... it has clawed above them all. Affirms analyst Andrew Brenner of National Alliance: "Brexit, impeachment, budget deficit, lack of a budget - none of those things are affecting the market at this point."

    It is - in the parlance of the trade - “risk on.” Our spies even report fresh speculation about a possible “melt-up.” A melt-up is the glorious terminal phase of a bull market, when stocks reach fever heat - before melting down. Melt-ups have preceded some of history's greatest collapses. In the 18 months prior to the Crash of ’29, for example, the stock market nearly doubled. And the Nasdaq rocketed 200% in the 18 months before the dot-com mania peaked in 2000.

    Yet that is a topic for an altogether different day. Let us instead concentrate our focus on this early November day... The market slightly lost its footing today. It nonetheless held the vertical. The Dow Jones ended the day precisely where it began the day. The S&P took two piddling steps higher, the Nasdaq took 24 steps down. Gold, meantime, advanced nearly $9 today. But to return to our question: Why are investors rushing back in now?

    4 Possible Reasons Stocks Are Rising: Several reasons suggest themselves...

    Reasons 1: The Federal Reserve sliced interest rates last week - the third occasion this year - and for a total of 75 basis points. And as explains Raymond James: "Over the last 30 years, when the Fed has implemented an “insurance” rate cut policy of 75 basis points, the equity market has been “lights out” as the S&P 500 has posted a 12-month forward return of about 23%, on average.

    Reasons 2: Markets are again hopeful the United States and China will come to terms on trade. Commerce Secretary Wilbur Ross announced yesterday the combatants were making excellent progress toward a “phase one” trade accord. A successful resolution would lift tariffs on some $156 billion of Chinese exports, presently scheduled to enter force Dec. 15. (Negotiations appear to have faltered somewhat today… for what it is worth.)

    Reasons 3: Corporate stock buybacks this year - despite recent slackening - should nonetheless turn in their second-largest year on record.

    Reasons 4: Stocks as a whole are surpassing earnings estimates.

    These reasons and more we can cite. But do they haul the full cargo of explanation? We are unconvinced.

    Look to the Federal Reserve: Is the primary reason the stock market once again scales record heights… and that poker chips are piling up on the table’s center… Because the Federal Reserve has been slyly hosing in floods of liquidity? The short-term lending market nearly seized in September as liquidity ran dry. The Federal Reserve’s New York command center therefore grabbed the hoses… and gave the “repo” market a good soaking. A temporary expedient, they labeled it. But long experience teaches that nothing can be so permanent as a temporary expedient.

    Our agents inform us the New York Federal Reserve has emptied in some $250 billion since September. We hazard a healthful portion of that $250 billion has gone to funding speculative activity on Wall Street. And the hoses pump yet.

    Furthermore, this we have on the Federal Reserve’s own word: these same hoses will pump “at least” through next year’s second quarter. Jerome Powell insists these “open market operations” are not quantitative easing. Apologists claim they are merely plugging a leak within the financial plumbing. And in detail, they may well be correct. But these operations have expanded the Federal Reserve’s balance sheet... precisely as if they were quantitative easing.

    QE4? The balance sheet expanded over $50 billion last week alone and exceeds $4 trillion. “The Fed can deny that they’re doing quantitative easing,” argues permanent bear Peter Schiff - who styles current operations QE4. He adds: “But they can’t hide the numbers. They can’t hide their balance sheet.”

    Is QE4, as you style it, even larger than QE3, Mr. Schiff? The Fed is expanding its balance sheet right now at about twice the pace that it was expanding its balance sheet when it was doing QE3. So QE4, whether they admit it or not, is much, much bigger than QE3, and it’s going to continue, and it is going to accelerate.And is QE4 responsible for the latest stock market spree?

    And that is what is driving the stock market… They’re doing quantitative easing, and they’re going to print as much money as they have to keep the markets going up and to keep the economy propped up. Just so. But stocks are vastly expensive by history’s standards. By some measures today’s valuations rise even above 1929’s and 2008’s. Will today’s lemmings make much money in this stock market - as they go hoofing for the cliff? The odds strike us as… slim. That is because the higher things rise, the further they fall.

    A Losing Bet: Assume today’s obscene valuations. From these heights, history argues the Dow Jones may plunge some 35% next time.* Meantime, we understand that options traders are lowering their guard of late. These fine folks take out “call” options in anticipation market gains. They conversely take out “put” options to insure against losses. When the number of calls runs too far ahead of puts, it is evidence the guard is down. And a lowered guard invites a blow. That presently appears to be the case.

    The last occasion the ratio of calls to puts attained current highs was on Jan. 23, 2018 - immediately prior to a market thumping. We must assume investors presently streaming into the stock market will come ultimately to grief… as they did in 2001… and 2008. When precisely, we do not know. But “experience keeps a dear school,” as Benjamin Franklin affirmed two centuries ago - and “fools will learn in no other.”
    dailyreckoning.com

    * "EvG predicts, “All of these bubble assets that are based on just credit and credit expansion are going to implode measured in real terms, measured in gold. I expect the stock market and the property market to lose at least 95% or more in real terms. The next up cycle for gold (and silver) has started. The next phase of this market has started, and it is going to go on for a long, long time. It is going to go to levels that will be hard to believe today. The world cannot have solid growth until this debt has imploded. The transition will be terrible, but I don’t see any other solution to this. The debt can only be wiped out by also wiping out all the asset values. You can’t just make the debt disappear and have the assets stand there at the values that they are today. When this debt is written off or implodes, or whatever they want to call it, that means all these assets are going to go down. That’s why I am saying it is going to go down 95% against gold. There is absolutely no other way, in my view.”

              

    “'Liquidity' Is a Drug"

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    “'Liquidity' Is a Drug"
    by David Stockman

    "Ain’t I clean, 
    bad machine
Super cool,
     super mean
Feelin’ good, 
    for the man
 Superfly, here I stand."
    - Curtis Mayfield, “Pusherman” (1972)

    "The official headline unemployment rate is at a 50-year low of 3.5%. The trailing-12-month Consumer Price Index less food and energy posted at 2.35% in September, which is about as close to the Federal Reserve’s 2.00% target as you please.  Those two stats are supposedly the very marks of Keynesian economic nirvana. Meanwhile, the S&P 500 Index just reached another new all-time high. But our monetary central planners are pumping cash as if its September 2008 all over again.

    Indeed, two weeks ago the New York Federal Reserve boosted its “temporary open-market operations,” or TOMO, to $160 billion of cash injections. Some say it means that the Fedheads know something… and that that something is not good.
    None of them know anything, whether about what’s coming down Main Street or what’s happening with Wall Street’s plumbing. These fools do indeed believe they can shout back the financial, economic, and political tides. They’re convinced they can cause interest rates to obey their commands by purchasing as much government paper as it takes to balance supply and demand at the precise money-market yield embedded in their current policy target.

    Never mind that this flood of cash snatched from thin air amounts to massive monetization of the public debt. And it’s also likely as permanent as it is massive. That’s because those TOMO announcements made clear that the Fed intends a monetary “Proud Mary,” to keep on rollin’ these TOMOs over and over on a river of permanent liquidity…

    In any event, the implied annualized run rates of the currently announced TOMOs and the $60 billion per month of T-bill-focused “permanent open-market operations,” or POMOs, add up to more than $1 trillion. Of course, this isn’t “quantitative easing,” or “QE.” It’s not even “monetary policy,” according to the Fed. In fact, our monetary central planners claim there’s nothing to see here except some technicians at work nudging and smoothing the money markets to keep them on an even keel.

    So, how do you explain the POMO chart for October 23, 2019? The dollar value of T-bills offered by the Street, represented by the pink bars, reached yet another high, the aforementioned $44.2 trillion. That’s 5.7 times the Fed’s actual offer.

    Obviously, there’s more going on here than technical “smoothing.” Yet our robotic monetary central planners have their heads down and are charging the line, utterly oblivious to a fundamental financial truth known for centuries: that there’s no free lunch.

    Also, when you finance the government’s debts at the printing press chronically, massively, and insouciantly, you’re sowing the seeds of your own ruin. And that’s not just because it ensures that politicians will eventually bury the state under unsustainable debt. In the here and now, massive monetization also unleashes speculative juices in financial markets because it invites get-rich-quick front-running. That is, the buying early of whatever the lumbering central bankers have announced or telegraphed they will be buying next…

    In the case at hand, the Fed has effectively told Wall Street they’ll not brook with any dissenting rates across the entire multi-trillion-dollar range of money-market and repo-sector transactions – even at month-end and quarter-end. That’s when beat-the-regulators window dressing inherently roils the markets and causes repo and other financing rates to rise as regulated institutions and publicly reporting companies look for safe places to temporarily park their financial hot potatoes.
    But that data up there is from October 23, a calendar point at which no windows have historically been dressed. What’s happening is not at all technical, nor is it temporary. With each passing POMO offer of “Not QE4,” the oversubscribed rate has climbed steadily higher, rising from 4.3 times to 4.8 times to 5.5 times to 5.7 times… And what it means is that the gamblers down on Wall Street have found still another way to play the Fed."

              

    "We Haven’t Seen A Manufacturing Slowdown Like This Since The Last Financial Crisis"

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    "We Haven’t Seen A Manufacturing Slowdown 
    Like This Since The Last Financial Crisis"
    by Michael Snyder

    "This isn’t what was supposed to happen. According to the economic optimists, there was going to be a great “manufacturing renaissance” as America entered a wonderful new golden age of boundless prosperity. But of course that is not what has happened. Manufacturing activity has been declining for the past three months, and all across the country we are seeing economic conditions rapidly deteriorate. Over and over, we are seeing economic numbers that are worse than anything we have seen since the last recession, but the economic optimists keep assuring us that these are just temporary blips on the way to America’s glorious economic renewal. Well, they can keep believing in a mirage of future prosperity if they want, but the hard numbers keep telling us another story. 

    For example, the Chicago Purchasing Managers Index has now fallen to a level that was “last sustained during the financial crisis”: "Manufacturing activity across the country has contracted for three months, according to closely watched ISM data. In the Midwest, the slowdown has been more severe. The Chicago Purchasing Managers Index shows backlogs dropping to a level touched briefly four years ago but last sustained during the financial crisis."

    In the middle of the country, it already feels like a manufacturing recession for many business owners. Manufacturing facilities are being closed down, machines are being idled and thousands of workers are being let go. The following comes from a CNBC article about our current manufacturing slowdown: "At Ameri-Source Metals’ machine shop outside Pittsburgh, stacks of graphite stubs have begun to pile up in a quiet corner. Founder Ajay Goel said the customer who typically buys the stubs – a multinational chemicals company – now only needs one-fourth of the amount he used to produce. As a result, the machines have been idled and the workers who serviced them, laid off."

    That sure doesn’t sound like a “booming economy” to me. So far this year, thousands upon thousands of manufacturing workers have been laid off in the Upper Midwest. By now, we were supposed to be adding large numbers of these good paying jobs, but instead we are losing them at a frightening pace.

    In fact, it is being reported that more than 8,000 manufacturing jobs have been lost in the key state of Pennsylvania alone: "From January to September, the states bordering the Great Lakes have lost more than 25,000 manufacturing jobs: Pennsylvania lost 8,100; Ohio lost 6,000; Michigan lost 6,500; and Wisconsin lost 4,700."

    Of course it isn’t just the manufacturing industry where employment is cooling off. At this point, the number of job openings in the U.S. has fallen to an 18 month low, and it is expected to fall ever further in the months ahead.

    Things have already gotten so bad that the mainstream media is running articles about how ordinary Americans can prepare for the coming recession. For instance, the following comes from a CNN article entitled “What can you do now to financially prepare for a layoff later?”: "Sometimes, there are warning signs that you are in danger of being laid off - a buyout of your company, a merger or a strategic change in direction. Other times, the cuts come without warning. But while being laid off is not in your control, being financially prepared for such an event is. “Companies evolve, change and fail and employees, and even business owners, need to be prepared for the unexpected,” said Mike Silane, a chartered financial analyst with 21 West Wealth Management."

    And remember, all of this is happening even though the federal government is running trillion dollar deficits and the Federal Reserve is using up all the ammunition that they should be saving for the depths of the next recession. In essence, the authorities are already implementing emergency measures in a desperate attempt to support the faltering U.S. economy, but it isn’t working.

    This week, we learned that orders for Class-8 trucks in the month of October were down 51 percent from a year ago. Can anyone explain to me how that is consistent with the “booming economy” narrative that the economic optimists are endlessly pushing?

    Unfortunately, the truth is that we can see signs of a major slowdown all around us. U.S. business hiring has fallen to a 7 year low, the Cass Freight Index has declined for 10 months in a row, and manufacturing is now the smallest share of the United States economy that it has been in 72 years.

    But despite all of the evidence that is staring them right in the face, the economic optimists continue to insist that everything is probably going to be okay.  In fact, Goldman Sachs CEO David Solomon is telling us that “the chance of a U.S. recession between now and the election is small”: “I’ve said that I still think the chance of a U.S. recession between now and the election is small - in the distributions of outcomes, it’s a smaller outcome - I said roughly 25%,” Solomon told Bloomberg Television in Berlin on Tuesday. “Nine months ago I probably would have told you it was very small, kind of 15%,” he said. “So I do think the uncertainty has increased a little bit some of the risk,” but economic data and earnings momentum have held up well and American consumers are “still very healthy,” he said."

    Of course the truth is that American consumers are actually not “very healthy” at this moment. Consumer confidence has fallen for 3 months in a row, and 44 percent of all Americans currently do not make enough money to cover their monthly expenses. That is one of the reasons why consumers are piling up staggering amounts of debt, and that consumer debt bubble is starting to burst.

    Unfortunately, the economic optimists will continue to push their false narrative up until the very end, and lots of people will believe them. You can believe them too if you want, but it won’t change what is about to happen. The crisis that so many have been anticipating is starting to play out, and our problems are likely to greatly accelerate in the months ahead."

              

    Comment on Warning: Most ‘Eco-Friendly’ Products Do More Harm Than Good by nng

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    90 trillion investment?? Now think of it. They stole global money from people, many poor and hard working and slaves. Because of the so called world leaders they have destroyed the simple life for most people. Survival of the fittest is what they are practicing and it's quite evil. "GO to now, ye rich men, weep and howl for your miseries that shall come upon you. Your riches are corrupted, and your garments are motheaten. Your gold and silver is cankered; and the rust of them shall be a witness against you, and shall eat your flesh as it were fire. Ye have heaped treasure together for the last days. Behold, the hire of the laborers who have reaped down your fields, which is of you kept back by fraud, crieth: and the cries of them which have reaped are entered into the ears of the Lord of Sabaoth." James 5:1-4
              

    Natural hazards don’t always spell disaster: UN risk reduction chief

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    INTERNATIONAL, 5 November 2019, Climate Change - Tsunamis are rare, but when they strike, they are the deadliest and most costly of natural hazards. With half of the world’s population expected to live in coastal areas more prone to tsunamis by 2030, investing in early warning systems and resilient infrastructure, will be vital to saving lives and economies, said the top UN official on disaster risks on Tuesday.

    Mami Mizutori, UN Special Representative for Disaster Risk Reduction (UNDRR), laid out the benefit-cost ratio of building cities that will withstand increasingly frequent climate-related hazards, marking “World Tsunami Awareness Day”, designated by the UN General Assembly in 2015.  

    Ms.  Mizutori told UN News in an interview, the for every dollar invested in prevention, most countries will reap four times the economic benefit, thus, “if we know how to make a society resilient, a hazard doesn’t necessarily have to become a disaster.” 

    In the last century, Tsunamis have claimed more than a quarter of a million lives, killing on average, around 4,600 per event, over the course of  58 recorded instances, according to UN figures.  

    The @UNDRR disaster risk reduction chief @HeadUNDRR Mami Mizutori, talks about the importance of investment, early warning systems, this

    From our @UN news video team:

    Embedded video

    Nearly 15 years on from the catastrophic Indian Ocean tsunami in December 2004, which killed nearly 230,000 people in 14 countries, the technology of early warning systems across the world’s oceans has improved, and as a result, many lives have been saved, Secretary-General António Guterres said in his message for the Day.  

    However, “the risks remain immense” he added, and “it is clear from the growing economic losses over the last 20 years, that we have not yet fully learned the importance of disaster-proofing critical infrastructure.”  

    Rising sea levels caused by the climate emergency may further exacerbate the destructive power of tsunamis, he said, coinciding with 680 million people living in low-lying coastal zones.  

    Build to last 

    A September report by the Intergovernmental Panel on Climate Change (IPCC) spotlighting global temperature increases, changes to the world’s water supply, and the overall scale of the climate emergency, revealed that extreme sea-level events are expected to hit once a year by 2050. 

    “Can you think of one single country which is not really experiencing any disasters?” Ms.  Mizutori asked, speaking to UN News.  

    With more people living in coastal areas, it will be increasingly important to be able to predict disasters before they strike, and when it comes to the havoc wreaked by tsunamis, seismographic and sea-level monitoring stations and strategic city building will be key to resisting the effects of a changing climate, she said.  

    Knowing the signs of a looming tsunami has historically, been lifesaving. World Tsunami Awareness Day was the brainchild of Japan, which through bitter, repeated experience with tsunamis over the years, has built up expertise in early warning, and building cities to last.  

    “Tsunamis” meaning “harbour waves” in Japanese, can’t be predicted, and often come with little warning, but earthquake and ocean activity observation can help those in danger buy time.  

    Can you think of one single country which is not really experiencing any disasters?--UN disaster relief chief

    During the 1854 Ansei earthquake in Japan, a farmer noticed a receding tide – one key sign of a looming tsunami. To warn villagers, he set fire to his entire rice harvest, and the people fled to safety on high ground. The earthquake foreshadowed a great tsunami which overtook present day Hirokawa Town, but the farmer’s actions spared hundreds of lives. 

    On the day for tsunami awareness, the world honours that Japanese story of “Inamura-no-hi”, or “burning of the rice sheaves”, and aims to promote the sharing of innovative approaches to tsunami risk reduction.  

    To mitigate disaster risks, UNDRR put forth a 15-year framework outlining seven clear targets to achieve substantial reduction of disaster risk and losses in lives, known as the Sendai Framework, adopted in Sendai, Japan, in 2015. 

    In 2019, the Day promotes the Framework’s target to reduce disaster damage to critical infrastructure and disruption of basic services, including hospitals and schools.  

    Around 90 per cent of disaster-related funding goes towards reconstruction and damage response, with only 10 per cent to prevention, Ms.  Mizutori said, “We have to find a way to change this 10-to-90 equation, it should be 90-10.”   

    By 2040, $90 trillion will have been invested in protecting and building global infrastructure. To help ensure future cities are not overpowered by tsunami waves, “build where you should, don’t build where you shouldn’t. When you build, build to last, with measure for resilience”, Ms.  Mizutori stressed.  

    In addition, ensuring people have access to early warning education will spare lives, while hazards inevitably “continue to attack”, she said.  

    The United Nations Development Programme’s (UNDEP) implementation of tsunami drills in the Asia-Pacific region is one such example of disaster risk communication and prevention.  

    The initiative has so far involved 61,000 students, and 115 schools near the earthquake-prone “Pacific Ring of Fire”, home to more than 70 per cent of all tsunamis ever recorded.  

    Speaking at a commemorative event for the Day at UN Headquarters in New York, President of the General Assembly, Tijjani Muhammad-Bande,  explained that "over the past two decades, more than one quarter of a million people have lost their lives as a result of tsunamis. Today, we commemorate World Tsunami Awareness Day to remember these dear departed souls.

    "To ensure that their loss was not in vain, today’s event serves as a call to action. I urge all Member States to adopt and implement disaster risk reduction strategies in order to safeguard future generations", he added. " I am confident that by striving together, we will succeed in delivering for all."


              

    Far more needed to ‘confront the world’s climate emergency’, UN chief tells ASEAN Summit

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    INTERNATIONAL, 3 November 2019, Climate Change - Four of the ten countries most affected by climate change are members of the Association of Southeast Asian Nations, United Nations Secretary-General António Guterres said on Sunday, urging the ASEAN Summit in Bangkok to “confront the world’s climate emergency”.

    “This region is highly vulnerable, particularly to rising sea-levels, with catastrophic consequences for low-lying communities, as recently published research illustrated”, he said, pointing out that 70 per cent of the global population most at risk of rising sea-levels are within ASEAN and other countries that will be represented at summits later this week. 

    The UN chief has been a strong advocate for progress on carbon pricing, ensuring no new coal plants by 2020, and ending the allocation of trillions of taxpayer dollars for the fossil fuel subsidies that boost hurricanes, spread tropical diseases and heighten conflict.

    “I am particularly worried about the future impact of the high number of new coal power plants still projected in some parts of the world, including several countries in East, South and South East Asia”, he asserted.

    At the same time, Mr. Guterres maintained that developed countries “must fulfil their commitment” to provide $100 billion a year by 2020 for mitigation and adaptation in developing countries.  

    To avoid climate catastrophe, the world must

    • Cut greenhouse emissions by 45 per cent by 2030.
    • Reach carbon neutrality by 2050.
    • Limit temperature rise to 1.5 degrees by the end of the century. 

    “I count on your leadership to undertake the concrete actions necessary to confront the world’s climate emergency”, Mr. Guterres underscored. 

    No region immune

    Noting a global phenomenon of rising trade and technology tensions, and unease and uncertainty amidst revised downward growth forecasts, Mr. Guterres spelled out: “No region is immune”.  

    From to the to human rights, collaboration between the @UN and @ASEAN continues to grow stronger. Read @antonioguterres' full remarks on this vital and growing partnership: http://bit.ly/2WBf75U : @hsiehmingchi
    View image on TwitterView image on Twitter
     

    And  he drew attention to rising US-China tensions as “another concern emerging on the horizon”,  fearing what he termed “a Great Fracture”, where the two world’s largest economies split the globe in half – each with its own “dominant currency, trade and financial rules…internet and artificial intelligence capacities, and its own zero sum geopolitical and military strategies”.

    “We must do everything possible to avert this Great Fracture”, the UN chief stressed, emphasizing the importance of maintaining a world with strong multilateral institutions and a universal economy with respect for international law. 

    Turning to economic development, Mr. Guterres spotlighted that the world is “far off track” in meeting the Sustainable Development Goals (SDGs). 

    While ASEAN countries have lifted millions out of poverty, there are still people being left behind.

    He pointed out the many complementarities between ASEAN’s Vision 2025 and the 2030 Development Agenda, saying that the UN stands ready to support the region in accelerating its progress, particularly through “our collective efforts on peace and justice, decent work and climate action” as well as in key human rights areas, such as freedom of expression and the right to a healthy environment. 

    He also expressed concern over the situation in Myanmar and the plight of massive numbers of refugees . 

    While welcoming ASEAN’s recent engagement with Rangoon, he flagged that it was ultimately Myanmar’s responsibility “to address the root causes and ensure a conducive environment for the safe, voluntary, dignified and sustainable repatriation of refugees to Rakhine State”.

    In conclusion, the Secretary-General urged everyone to keep building on the UN-ASEAN partnership “to ensure dignity and opportunity” for the people of the region and beyond.


              

    Bernie Sanders Doubles Down on his 16 Trillion Climate Change Plan For Iowa

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    Aerial view of farm

    Senator Bernie Sanders is pushing his climate strategy, as candidates move toward to Iowa caucuses in February.

    The post Bernie Sanders Doubles Down on his 16 Trillion Climate Change Plan For Iowa appeared first on One Green Planet.


              

    Reaping Wind at Sea: A $1 Trillion Industry https://www.marinelink.com/news/reaping-wind-sea-a-trillion-industry-472150 …

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    Reaping Wind at Sea: A $1 Trillion Industry https://www.marinelink.com/news/reaping-wind-sea-a-trillion-industry-472150 …


              

    What happens if we reduce drug prices by 70%?

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    Senator Warren's proposed policy fails a benefit-cost test:

    Between 1982 and 2015, for example, the US saw the launch of 719 new drugs, the most of any country in the sample; Israel had about half as many launches. By looking at the resultant change in each country between mortality and disease, Lichtenberg calculated that the years of life lost before the age of 85 in 2013 would have been 2.16 times as high if no new drugs had been launched after 1981. For a subset of 22 countries with more full data, the number of life-years gained in 2013 from drugs launched after 1981 was 148.7 million.

              

    Credit Due: Sen. Warren did her homework. Doesn't make M4All any more likely to happen, but she showed her work.

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    A few weeks ago, I said the following about Sen. Elizabeth Warren regarding healthcare policy:

    • I'm generally supporting Elizabeth Warren in the Democratic Primary (not a full endorsement, but I've been strongly leaning her way for awhile now)...

    HOWEVER, for the time being at least, that seems to be where she's decided to lay her marker, so it is what it is.

    (Note: Since then, I've publicly stated that I'm now leaning more towards Sen. Kamala Harris who was always my strong #2 choice. This doesn't mean I no longer like Warren--the two have simply swapped places in my #1 and #2 column.)

    I noted at the time that Warren's insistence on sticking with Bernie's "pure" Medicare for All bill had been causing her a lot of headaches of late, especially given the How Will You Pay For It / Will You Raise Taxes On The Middle Class mantra.

    Bernie Sanders has, to his credit or detriment, stated it plainly: Yes, his plan would indeed raise taxes on households earning more than $29,000/year, via a 4% payroll. He didn't actually bake it into the legislative text of his bill, but he included it on a list of "proposed" funding mechanisms and has repeated it many times since then, so that seems to be one source that he's locked in on.

    As I noted:

    The thing is, $29K/year for a family of four is just 112% FPL, barely out of poverty.

    Warren has been far more circumspect on this question, for an obvious reason: She doesn't want to give the Trump campaign the sound bite they're looking for, a sharply-edited clip of her uttering the words "Yes, I would raise taxes on the middle class to pay for Medicare for All".

    Instead, every time she gets asked this question, she refuses to accept the framing at all, repeatedly pointing out that what's most important is the overall cost impact of making the move: Any tax increases would be offset by savings on premiums, deductibles, co-pays and so forth.

    Having said that, the fact remains that yes, taxes would have to increase on some group or groups of people and/or corporations in order to provide the massive increase in federal spending which such a program would require...and most people, even those who fully understand the trade-off, would still like to know what the trade-off would be. If you say "you'll save money" overall, it's not unreasonable to want to have at least some idea of how much better off you, specifically, would be. At least a ballpark, anyway.

    After being hammered on either her refusal to answer the question (or her reframing of it, depending on your POV) throughout the debate and afterwards, Warren stated this:

    "My commitment is: I will not sign a bill into law that raises costs on middle class families," Warren said.

    I went on to note that "middle class families" is a slippery term, since there's no legal definition of the phrase...but I went on to note that the generally-accepted range seems to be households earning somewhere between $40K - $140K/year, give or take.

    I went on to recommend that:

    So, if Warren wants to be absolutely certain that her statement about "the middle class" is true, it seems to me that the key would be to structure her proposed payment mechanism to be something along the lines of: No payroll tax up to around 200% FPL (perhaps $40,000/year per household); 2% from $40K - $80K; 4% from $80K - $120K; 6% from $120K - $160K and 8% from $160K and beyond. Basically, whatever it takes to make certain that no one below the $140,000 threshold would see higher overall costs than what they'd otherwise be paying...five to ten years from today.

    ...In any event, assuming she's able to come up with the Magic Formula, while I'd still prefer that she break away from Bernie's "pure" M4All bill altogether in favor of something more along the lines of Medicare for America, if Warren does insist on sticking it out, I'd recommend she change her response to something more like this:

    "There'd be a trade-off. Most people would NOT see their taxes go up, but for those who do, the trade-off would be the elimination of premiums, deductibles, co-pays, surprise bills and virtually all other medical bills. The majority of people would pay less overall."

    By wording it this way, Warren finally answers the burning question (yes, taxes would go up for some people) while doing so in a way which avoids an easy sound bite attack even with clever editing...and by squeezing nearly all of the tax hikes over the 50% median income threshold, she can also honestly say that costs would not go up for "most" people, which avoids trapping herself the way President Obama did when he stated unequivocally that "If You Like It You Can Keep It" without any caveats, which led to a massive backlash when millions of people discovered that no, they couldn't in fact "keep it".

    Well, Warren put her wonkishness into overdrive, put her head together with a bunch of other respected economic wonks, and last Friday she did indeed roll out her official Medicare for All funding plan as promised...and, as I suggested, she made sure that her plan, at least on the surface, would indeed not increase taxes on households earning less than $140,000/year. In fact, she pushed things way up the income and wealth ladder. Like...a whole lot.

    The first thing Warren's plan does is to chop down the total amount of increased federal spending needed by a third.

    While there are several different estimates which have come out estimating how much a "pure" 100% universal, 100% comprehensive, 100% mandatory single payer healthcare system would cost from different think tanks and economists over the past few years, the range seems to generally fall somewhere in the ~$30 trillion range. The most commonly cited estimate over the past year or so was from the (right-wing/anti-M4All) Mercatus Center, which pegged it at around $32 trillion in increased federal spending. Mercatus may be a right-wing think tank and obviously anti-M4All, but even Bernie himself openly stated that $30 - $40 trillion over a decade is a reasonable range.

    Assuming you rely on the estimates below (which come from Warren's own study), they average around $27 trillion...although if you dismiss the ones starting before 2019 they average $29.3 trillion. Note that Mercatus ("Blahous") appropriately starts their estimate in 2022 since that's the earliest year that a Bernie/Warren M4All bill could even theoretically be implemented, assuming a Sanders/Warren administration took office on January 20, 2021. I'm pretty sure you'd have to nudge the others up a bit to account for normal inflation as well as medical trend to at least an even $30 trillion.

    Warren insists she can do it for "only" $20.5 trillion over a decade...supposedly lopping down the tally by a good $10 trillion or so.

    I'm not going to get into a detailed analysis of how she eliminates the extra $10 trillion; that's all laid out in her plan and supporting documentation. A lot of it assumes significant reductions in the amount actually paid to healthcare providers (doctors, hospitals, pharmaceutical companies and so forth). Some of it comes, of course, from eliminating private health insurance companies. Some comes from other major changes to the system.

    Needless to say, the AHA (hospital lobby), AMA, PHRAMA, AHIP, BCBSA and other massive healthcare industry lobbying forces will spend an absolute fortune and call in every favor they have to fight back against most of these things. They've already started, actually...but this is just a tiny taste of what's to come.

    Still, this is about her math...so how does she propose coming up with the $20.5 trillion she does admit would have to be raised?

    It breaks out pretty much as follows (in addition to repurposing all existing federal Medicare/Medicaid/CHIP/ACA spending, that is:

    • Employer Healthcare Spending: Warren says employers, who provide healthcare coverage for nearly 50% of the total U.S. population, are expected to pay $9 trillion over the next decade. She's proposing having them instead basically pay 98% of that amount into a new Employer Medicare Tax based on a simple per-enrollee average spending formula, generating $8.8 trillion.
    • Automatic Increases in Take-Home Pay: Warren figures that the employee's portion of their employer-sponsored health insurance would be added to their take-home pay. If you assume that employees are currently paying around 30% of their premiums, that means they'd be taxed on around $4 trillion in additional income, which in turn would generate around $1.15 trillion in her view (the math is more complicated than that, but you get the idea). She figures she can squeeze another $250 billion out of the tax break for medical expenses over 10% of AGI becoming moot, for total additional revenue of $1.4 trillion.

    Warren figures that gets you to $10.2 trillion, or around half of the amount she estimates would be needed.

    Here's where she comes up with the other half:

    • Cracking down on Tax Evasion and Fraud: Warren thinks that with restoring funding and authority to the IRS, redirecting tax law enforcement from low-income to high-income violators, toughening up on enforcement in genearl and anti-fraud measures, she can reduce the amount of taxes underpaid by 30% (she says 1/3, but it's 30%), from $7.7 trillion in lost taxes to $5.4 trillion....generating an extra $2.3 trillion over a decade.

    Let’s start with the financial sector. It’s been more than ten years since the 2008 financial crisis, and while a lot of families are still dealing with the aftereffects, the financial sector is making record, eye-popping profits. Meanwhile, the risk of another financial crisis remains unacceptably high. By imposing targeted taxes and fees on financial firms, we can generate needed revenue and also make our financial system safer and more secure.

    For example, a small tax on financial transactions – one-tenth of one percent on the sale of bonds, stocks, or derivatives – would generate about $800 billion in revenue over the next ten years.

    ...We can also impose a fee on big banks that encourages them to take on fewer liabilities and reduce the risk they pose to the financial system. A small fee that applies only to the forty or so largest banks in the country would generate an additional $100 billion over the next ten years...

    Next, we can make some basic changes to ensure that large corporations pay their fair share and to fix some fundamental problems with our current approach that actually encourage companies to shift jobs and investment overseas. These changes will generate an estimated $2.9 trillion over the next ten years.

    ...Under my plan, businesses will still write off the depreciation of their assets – they’ll just do it in a way that more accurately reflects the actual loss in value. This would generate $1.25 trillion over ten years.

    ...Currently, a U.S. multinational corporation can make billions in profits and attribute it to a company it set up in a tax haven like the Cayman Islands, which has no corporate taxes...That’s why I’m proposing to institute a country-by-country minimum tax on foreign earnings of 35% – equal to a restored top corporate tax rate for U.S. firms – without permitting corporations to defer those payments...Together, the country-by-country minimum tax and the taxation of foreign firms based on their domestic sales would result in an additional $1.65 trillion in revenue.

    Finally, we can raise another $3 trillion over ten years by asking the top 1% of households in America to pay a little more.

    ...By asking billionaires to pitch in six cents on each dollar of net worth above $1 billion, we can raise an additional $1 trillion in revenue and further close the gap between what middle-class families pay as a percentage of their wealth and what the top one-tenth of one percent pay.

    ...We can also change the way the government taxes investment income for the top 1%. Today, taxes are only assessed on capital gains when securities are sold. That means wealthy investors can put their money in the stock market, see it grow, and not pay a dime in taxes on those earnings unless or until it is taken out of the market. Under the current system, they can then pass along those shares to their heirs when they die and their heirs will be able to pay even less when they choose to sell.

    I’ve already proposed closing that loophole for how capital gains are treated when shares are passed on to heirs. But we can go a step further. Under a “mark-to-market” system for the wealthiest 1% of households, we will tax capital gains income (excluding retirement accounts) annually, rather than at the time of sale, and raise the rates on capital gains to match the tax rates for labor income. Individuals would still only pay taxes on gains and could use current losses to offset future taxes.

    Under this system, investment income will no longer be treated differently than labor income for the top 1% of households. Ultra-millionaires and billionaires won’t be able to earn income on giant fortunes year after year without paying a penny in taxes. And we can raise another $2 trillion over ten years to pay for my Medicare for All plan.

    I'm obviously still cutting out a ton of details here; Warren goes into great detail about each of these. But at the end of the day, she claims to be able to not only achieve the necessary funding without raising taxes on the middle class, she supposedly has done so without raising them on most of the upper class either (depending on where your cut-off definition is...I'm not sure at what income threshold capital gains really becomes a significant source of income for most households).

    She's not done yet, however:

    • Immigration Reform: Warren assumes that a complete immigration policy overhaul would generate another $400 billion in federal revenue via additional documented immigrants paying taxes over the table.
    • Cuts in Defense Spending: She's proposing eliminating something called the Overseas Contingency Operations Fund, which she refers to as a "slush fund", from the overall military budget...supposedly providing an additional $800 billion over a decade:

    Since the attacks of 9/11, the United States has appropriated $2 trillion to fund combat and counterterrorism operations around the world via the Overseas Contingency Operations fund, or OCO. On average this spending has amounted to $116 billion per year – and in total, an amount equivalent to nearly 10 percent of all federal discretionary spending over that same time period.

    Republicans – including the President’s current Chief of Staff – and Democrats alike agree that OCO is a budget gimmick that masks the true impact of war spending. The emergency supplemental funding mechanism was never intended to fund the costs of long-scale, long-term operations outside of the normal appropriations process. And in recent years, OCO has also been used to fund so-called “base” requirements unrelated to the wars, outside of the Budget Control Act caps – in effect acting as a slush fund for increased Pentagon spending. And as everything from more F-35s to massive bombs never used in combat have migrated into the OCO account, the Department of Defense has been spared from having to prioritize or live within its means. It’s not just bad budgetary practice – it’s wasteful spending.

    ...We can start by shutting down this slush fund and balancing with our overall defense priorities in the context of the actual defense budget. And as we end these wars, eliminating the Overseas Contingency Operations fund and forcing the Pentagon to fund any such priorities through its regular budgetary process will provide $798 billion over the ten-year period relative to current spending levels.

    Add it all up and she does indeed get to a grand total of $10.2 trillion + $10.3 trillion = $20.5 trillion. PENCILS DOWN!

    I'm not going to argue with her math...first because I'm not an economist, second because she's had some respected economists run the numbers. A ton of this stuff goes way beyond my knowledge base, and that's fine with me...I'd be kind of disturbed if I knew everything about the revenue sources she's referring to.

    What I am going to say is that there's going to be massive pushback on just about all of these proposed changes from all of the above-mentioned industries and institutions, the likes of which will make what happened to Bill and Hillary Clinton in the early 1990's seem like a walk in the park.

    The question isn't whether Democrats should fight for what they want...it's whether they're prepared to fight every one of those forces simultaneously, or whether they should pick their battles. Warren proposal requires doing just that: Fighting not just the Republican Party, FOX News, Rush Limbaugh, Breitbart, etc etc, but also entrenched interests in pretty much every part of both the government and the economy...all at the same time.

    Honestly, I'm most reminded of this classic Steve Martin clip from over 40 years ago:

    "You can be a millionaire and never pay taxes! First...get a million dollars. Then..."

    The thing is, all of this would be an incredible lift even if there weren't 100 other major crises going on which would need to be dealt with the moment she took office as well...but there will be. Climate change. Defending democracy itself. Voter/election security. Criminal justice reform. Immigration reform (which she even shoehorns into her M4All funding plan). Repairing our tattered foreign policy relationships as well as dealing with foreign policy crises themselves. The list goes on and on.

    In addition, of course, Warren wouldn't be able to sign such a bill unless and until it actually passed both the House and Senate...assuming the Democrats keep the former and flip the latter.

    The House itself would be a heavy lift (the House M4All bill has 119 cosponsors, which is pretty impressive...but getting the other 99 would be difficult to say the least), and Bernie's Senate version only has 15...one of whom is Warren herself, who would no longer have a vote (conversely, Bernie wouldn't have a vote if he were to win either). Joe Manchin and Kyrsten Sinema would be no-go on it from the start, as would at least a dozen other Democratic Senators.

    How in God's name either of them expects to push those numbers to 218 and 51 I have no clue...and even that assumes that the Senate Democrats were to eliminate the Filibuster upon taking congrol of the Senate, which is also extremely unlikely.

    However, at the moment, none of these issues are what I proposed that she do three weeks ago. I simply said that if she's dead set on her "pure" Medicare for All vision, she should show her math in such a way that the numbers don't formally hit the middle class.

    She's done that, so as a wonk, I tip my hat to her.


              

    Wealth Of 400 Tycoons on 2019 Forbes China Rich List Rises By More Than A Fifth Despite Slowdown And Trade Friction

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    Despite an economic slowdown and ongoing trade friction with the U.S., the total wealth of the 400 members on the 2019 Forbes China Rich List rose by more than a fifth from a year ago, from US$1.06 trillion to $1.29 trillion.
              

    Other: Personal Banker 1 (SAFE) Bilingual Spanish Required - Houston, Texas

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    Job Description Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.Team member must be able to conduct transactions normally associated with this role in Spanish and English.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.As a personal banker at Wells Fargo you will deliver exceptional customer experience, build relationships, and help consumer and small business customers succeed financially. You will engage customers in conversation and ask questions to understand what?s most important to them to allow you to provide product, service and digital options that align with their needs and help make banking easier for them.Your responsibilities include:? Building relationships with customers through proactive outreach and follow up, asking questions and learning about their financial needs? Deep knowledge of bank products and services and connecting those to customer needs? Building relationships with branch team members and partners, allowing you to work together to best serve customers? Opening new accounts, completing service requests, and submitting credit applications? Inform customers of self-service digital options and demonstrate them to customers? Helping to resolve customer concerns and escalating issues as needed? Serving as a risk leader and following policies and proceduresThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date. If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Normal work schedules typically fall between 7AM - 6PM.Learn more about Who We Are. Copy and paste this video URL into a new browser tab to view: https://www.youtube.com/watch?v=SDLs4Fus9D8&list=PL1wnNCsFZfFVW7aXdtLBFvYrHynSOJcL0&index=3&t=0s. Required Qualifications 2+ year of experience interacting with people, demonstrated through work, military, or education Bilingual speaking proficiency in Spanish/English Desired Qualifications Customer service focus with experience handling complex transactions across multiple systems Experience proactively engaging with customers through outreach via phone or email Ability to influence, educate, and connect customers to technology Ability to help customers succeed financially by offering introductions to additional team members as appropriate Ability to meet or exceed performance objectives Ability to interact with integrity and professionalism with customers and team members Experience working with others on a team to meet customer needs Experience fostering and developing strong customer relationships Ability to build strong relationships with internal partners and customers Ability to follow policies, procedures, and regulations Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting Job Expectations Ability to work weekends and holidays as needed or scheduled This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary. Must take and pass required Spanish language assessment Street Address TX-Houston: 9715 Westheimer Rd - Houston, TX Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    Other: Personal Banker 1 (SAFE) Bilingual Spanish Required - Houston, Texas

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    Job Description Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.Team member must be able to conduct transactions normally associated with this role in Spanish and English.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.As a personal banker at Wells Fargo you will deliver exceptional customer experience, build relationships, and help consumer and small business customers succeed financially. You will engage customers in conversation and ask questions to understand what?s most important to them to allow you to provide product, service and digital options that align with their needs and help make banking easier for them.Your responsibilities include:? Building relationships with customers through proactive outreach and follow up, asking questions and learning about their financial needs? Deep knowledge of bank products and services and connecting those to customer needs? Building relationships with branch team members and partners, allowing you to work together to best serve customers? Opening new accounts, completing service requests, and submitting credit applications? Inform customers of self-service digital options and demonstrate them to customers? Helping to resolve customer concerns and escalating issues as needed? Serving as a risk leader and following policies and proceduresThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date. If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Normal work schedules typically fall between 7AM - 6PM.Learn more about Who We Are. Copy and paste this video URL into a new browser tab to view: https://www.youtube.com/watch?v=SDLs4Fus9D8&list=PL1wnNCsFZfFVW7aXdtLBFvYrHynSOJcL0&index=3&t=0s. Required Qualifications 2+ year of experience interacting with people, demonstrated through work, military, or education Bilingual speaking proficiency in Spanish/English Desired Qualifications Customer service focus with experience handling complex transactions across multiple systems Experience proactively engaging with customers through outreach via phone or email Ability to influence, educate, and connect customers to technology Ability to help customers succeed financially by offering introductions to additional team members as appropriate Ability to meet or exceed performance objectives Ability to interact with integrity and professionalism with customers and team members Experience working with others on a team to meet customer needs Experience fostering and developing strong customer relationships Ability to build strong relationships with internal partners and customers Ability to follow policies, procedures, and regulations Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting Job Expectations Ability to work weekends and holidays as needed or scheduled This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary. Must take and pass required Spanish language assessment Street Address TX-Houston: 9715 Westheimer Rd - Houston, TX Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    IT / Software / Systems: Software Engineer, Back End - Boston, Massachusetts

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    What if nature could be harnessed to help farmers sustainably feed the planet? Since 2014, Indigo has questioned agriculture's full value chain to improve grower profitability, environmental sustainability, and consumer health. The company's scientific discoveries and digital innovations have amplified new value from soil to sale, benefiting more than 10,000 growers to date. Indigo is also the company behind The Terraton Initiative, a global effort to drawdown one trillion tons of atmospheric carbon dioxide by unlocking the potential of agricultural soils. In 2019, Indigo was ranked #1 on CNBC's Disruptor 50 list. Headquartered in Boston, MA, Indigo has additional offices in Memphis, TN; Research Triangle Park, NC; Sydney, Australia; Buenos Aires, Argentina; Basel, Switzerland; and S--o Paulo, Brazil. www.indigoag.com The Software Engineer, Back End will engineer interfaces for Indigo's customer-facing applications and backend data solutions that support large-scale data transport. This person is responsible for maximizing reusability and testability of the software. This person will also be a critical member of a highly efficient and cohesive engineering team that is focused on the customer's needs and requirements. Responsibilities: Implement performant APIs according to well-defined technical specifications Leverage existing API design patterns to maintain organizational consistency Ensure that all APIs are fully tested in an automated framework, including functional and performance tests Work collaboratively with rest of Engineering team and cross-functional stakeholders Competencies: Extremely focused on the customer (Application Developer, Data Engineer) and their API needs Deep commitment to quality, reliability, scalability and maintainability Works and interacts well with software engineering, product management, customers, and non-technical users Passion for Indigo mission and values Strong communication skills Able to learn new technologies quickly and stay up-to-date with best practice trends; not afraid to ask questions Results oriented, demonstrating an ability to meet deadlines Qualifications: 1-3+ years professional experience developing software Understanding of software design, including versioning, isolation and micro-services Familiarity with AWS preferred Prior experience working in a fast-paced, agile environment required ()
              

    Jarrett Skorup, The Student Debt Problem is Widely Misunderstood

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    Jarrett Skorup is the Director of Marketing and Communications for the Mackinac Center for Public Policy

     

    The Student Debt Problem is Widely Misunderstood – Here Are Some Solutions. Student loan debt is around $1.5 trillion


              

    Steve Gruber, Pushback for the $52 Trillion Price Tag for Medicare For All

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    Host Steve Gruber discusses news and headlines.

     

    Pushback for the $52 Trillion Price Tag for Medicare For All


              

    Steve Gruber, The woman who claimed for several years that she was an Indian—and deserving of special treatment

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    Its time to get to it—we are burning daylight—and we have plenty to work with now that the clocks fell backwards—lets get to work—I’m Steve Gruber—God Bless America—this is the Steve Gruber Show—

     

    And here are 3 BIG things you need to know—

     

    Three— Name Brand Democrats are calling out their colleagues for fumbling the entire impeachment narrative—and telling them they have made a huge bet on a losing hand—who is the latest to say it’s a terrible idea—I will tell you—

     

    Two— Tulsi Gabbard is NOT backing down to Hillary and her character hit squad—she says she is under attack because she dared to stand up to the Clinton Machine—and call them for what they are—meanwhile Ronan says Bill Clinton is way past due for investigation—

     

    And Number One— The woman who claimed for several years that she was an Indian—and deserving of special treatment—Elizabeth Warren—now says—the cost of overhauling America’s healthcare is a mere $52 Trillion Dollars—which is no big deal—she also wants free college—and a lot more!


              

    Executive: Branch Manager - Advisor Led - Chattanooga, Tennessee

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    Job Description At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.?Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.?Wealth and Investment Management (WIM) businesses build enduring client relationships through sound, thoughtful and objective advice. We help our clients by developing individualized plans for everything from retirement goals to business succession planning, to family legacy intentions. Services include comprehensive planning and advice, investment management, brokerage, private banking, estate planning strategies, trust, insurance and both individual and institutional retirement.Responsible for the day-to-day administrative, operations, compliance of a PCG branch with four or more registered associates within a Market/Complex. Provides leadership to expand revenue and client relationships. Maintains oversight of daily transaction activity within the branch and ensures compliance and regulatory requirements are met. Assist the Market/Complex Manager with management of the branch profit and loss statement, development of the branch business plan, and recruiting Financial Advisors for the branch. In addition, serves as a Financial Advisor for personal clients, providing financial advice consistent with the clients goals and risk tolerance. Meets with clients to collect financial information, assess investment profile and evaluate client s financial needs. Advises clients regarding advantages and disadvantages of different financial products and determines which financial products are suitable for client needs and financial circumstances. Works to increase and retain existing client assets and meet potential new clients. Required Qualifications 3+ years of financial services experience Successfully completed FINRA Series 7, 9/10, and 63 exams to qualify for immediate registration (or FINRA recognized equivalents) Desired Qualifications Good verbal, written, and interpersonal communication skills Leadership and management experience Ability to interact with all levels of an organization Knowledge and understanding of book of business of $300k or more Job Expectations For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite may also be required Obtaining and/or maintaining appropriate Financial Industry Regulatory Authority (FINRA) license(s) is required for ongoing employment in this position. In addition to state registration, specific product licenses or SAFE licensing may apply. Wells Fargo will initiate financial and criminal background review process at the time of offer acceptance. Registration for FINRA Series 66 (or 63 and 65) must be completed within a 90 or 180-day time period contingent upon number of license(s) needed if not immediately available to transfer upon hire. FINRA recognized equivalents will be accepted. This will be communicated at time of offer acceptance. Designated insurance license requirements must be completed within a 90 or 180-day time period contingent upon number of license(s) needed if not immediately available to transfer upon hire. Compliance with state law requirements is required. Ability to travel up to 10% of the time Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    Juniper Research: Blockchain-based Cross-border B2B Transactions to Skyrocket to $4.4 Trillion by 2024

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    BASINGSTOKE, England--(BUSINESS WIRE)--#b2b--New data from Juniper Research has shown that the total value of B2B cross-border payments immutably stored on blockchain will exceed $4.4 trillion by 2024; up from $171 billion in 2019. Blockchain enables real-time clearing and settlement for B2B transactions, while offering increased transparency and reduced costs.
              

    Other: Teller 20 Hours Tustin - Tustin, California

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    Job Description Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm. Required Qualifications 1+ year of experience interacting with people, demonstrated through work, military, or education Desired Qualifications Customer service focus with experience handling complex transactions across multiple systems Ability to influence, educate, and connect customers to technology Ability to interact with integrity and professionalism with customers and team members Ability to meet or exceed performance objectives Experience working with others on a team to meet customer needs Cash handling experience Ability to follow policies, procedures, and regulations Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss Well-organized, independent and able to prioritize in a fast paced environment Ability to exercise judgment, raise questions to management, and adhere to policy guidelines Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting Other Desired Qualifications ? Multilingual speakers are encouraged to apply??? Job Expectations Ability to stand for extended periods of time Ability to work weekends and holidays as needed or scheduled Street Address CA-Tustin: 2677 Park Ave - Tustin, CA Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    Mortgage Consultant (SAFE)

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    Job Description
    At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
    • Develop knowledge of company products, policies and procedures, and underwriting requirements
    • Understand real estate appraisals, title reports, and real estate transactions
    • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
    • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
    • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
    • Develop and maintain a high degree of visibility for WFHM in the marketplace
    • Perform miscellaneous duties as needed and required

      Required Qualifications
      • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

        Desired Qualifications
        • Basic Microsoft Office skills
        • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
        • Excellent verbal, written, and interpersonal communication skills
        • Mortgage industry experience
        • Knowledge and understanding of sales prospecting and generating referrals
        • Bilingual speaking proficiency in Spanish/English
        • Customer service experience
        • A BS/BA degree or higher

          Job Expectations
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
          • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
          • Ability to lift 20+ pounds
          • Reliable transportation
          • Ability to work nights, weekends, and/or holidays as needed or scheduled

            Street Address
            AZ-Tucson: 6831 N Oracle Rd - Tucson, AZ
            AZ-Nogales: 115 N Grand Ave - Nogales, AZ
            AZ-Casa Grande: 1276 E Florence Blvd - Casa Grande, AZ
            AZ-Sierra Vista: 2190 East Fry Blvd - Sierra Vista, AZ


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Home Mortgage Consultant (SAFE)

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    Job Description
    At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We've built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
    • Develop knowledge of company products, policies and procedures, and underwriting requirements
    • Understand real estate appraisals, title reports, and real estate transactions
    • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
    • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
    • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
    • Develop and maintain a high degree of visibility for WFHM in the marketplace
    • Perform miscellaneous duties as needed and required?

      Required Qualifications
      • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

        Desired Qualifications
        • Basic Microsoft Office skills
        • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
        • Excellent verbal, written, and interpersonal communication skills
        • Mortgage industry experience
        • Knowledge and understanding of sales prospecting and generating referrals
        • Bilingual speaking proficiency in Spanish/English
        • Customer service experience
        • A BS/BA degree or higher

          Job Expectations
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
          • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
          • Ability to lift 20+ pounds
          • Reliable transportation
          • Ability to work nights, weekends, and/or holidays as needed or scheduled

            Street Address
            FL-Brandon: 1463 Oakfield - Brandon, FL
            FL-Clearwater: 311 Park Place Boulevard - Clearwater, FL
            FL-Fort Myers: 12370 S Cleveland Ave - Fort Myers, FL
            FL-Temple Terrace: 6943 E Fowler Ave - Temple Terrace, FL
            FL-Sarasota: 2891 S Tamiami Trl - Sarasota, FL
            FL-Tampa: 100 S Ashley Dr - Tampa, FL
            FL-Tallahassee: 1989 Capital Circle NE - Tallahassee, FL


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Teller Full Time 40 Hour San Rafael Northgate

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Learn more about Who We Are. Copy and paste this video URL into a new browser tab to view: https://www.youtube.com/watch?v=39qtam05NKU&list=PL1wnNCsFZfFVW7aXdtLBF

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Other Desired Qualifications
        ? Multilingual speakers are encouraged to apply?

        Job Expectations
        • Ability to stand for extended periods of time
        • Ability to work weekends and holidays as needed or scheduled

          Street Address
          CA-San Rafael: 600 Las Gallinas Ave - San Rafael, CA


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Teller- 25 hours- Ten High

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen. ?Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you. ?For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. ?In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.?Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.?Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. ?We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams. ?We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.? ? ??As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.??You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.?Your responsibilities include:?? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs ?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions?? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date. ? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.?

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Job Expectations
        • Ability to stand for extended periods of time
        • Ability to work weekends and holidays as needed or scheduled

          Street Address
          VA-Charlottesville: 406 10th St Ne - Charlottesville, VA


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    FBI Special Agent Jeff Lanza Talks Cybersecurity

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    Join retired FBI Special Agent Jeff Lanza and Mindsight to learn about the FBI's perspective on cybersecurity and the real-time threats to your business.

    In the first six months of 2019 over 4.1 BILLION records were exposed in breaches around the world. In fact, the costs of cybercrime are expected to reach $6 TRILLION by 2021 according to Cybersecurity Ventures. It is unlikely that most businesses can recover from the inevitable attack on their organization. In his keynote address, Lanza will discuss:

    • The global threats to U.S. businesses
    • How the private and public security sectors overlap and differ
    • How businesses can best defend themselves


    Register here!


              

    Compliance Manager 3

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk. The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.Within Wells Fargo Compliance, the Enterprise Testing group is responsible for establishing and maintaining a consolidated Enterprise Testing program at the corporate level. Enterprise Testing is responsible for developing a common methodology and standards, providing governance and oversight, executing testing; and conducting horizontal reviews. Testing and validation teams are responsible for implementing the Enterprise Testing methodology and standards, and executing group- specific testing.Wholesale Testing and Validation (T&V), within Enterprise Testing, is seeking a Testing Manager to manage and oversee regulatory compliance testing and validation activities within the Commercial Banking portfolio.Within a team environment and reporting to Testing Manager, he/she will manage a team of risk professionals responsible for providing independent assurance on the design and operating effectiveness of business controls in accordance with Enterprise policy and procedures as well as the development and maintenance of strong relationships across Corporate Risk, applicable lines of business, and Wells Fargo Audit Services (WFAS).Specific Job Responsibilities:
    • Lead a team in the execution of regulatory compliance testing and validation activities according to Enterprise policy and procedures.
    • Continue to develop and execute testing program taking into consideration new systems and processes and any other Wholesale Transformation impacts.
    • Ensure comprehensive coverage, consistency in execution, and maintenance of a current testing schedule, including supervision and input in review scoping, monitoring progress of reviews and reporting on the results.
    • Support continued enhancement of testing procedures and tools, such as the testing schedule and regular status reporting.
    • Support management and coordination of testing related to special projects/initiatives and coverage, including the implementation of new testing requirements, documentation of coverage dependencies, and remediation of any related issues.
    • Support development of monitoring and automation capabilities and identification of opportunities for increased efficiencies in testing.
    • Support staffing plans and talent recruitment/hiring to maintain required staffing levels for the execution on the annual testing plan.As a Team Member Manager, you are expected to achieve success by leading yourself, your team, and the business. Specifically you will:
      • Lead your team with integrity and create an environment where your team members feel included, valued, and supported to do work that energizes them.
      • Accomplish management responsibilities which include sourcing and hiring talented team members, providing ongoing coaching and feedback, recognizing and developing team members, identifying and managing risks, and completing daily management tasks.

        Required Qualifications
        • 8+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 8+ years of IT systems security, business process management or financial services industry experience, of which 4+ years must include direct experience in compliance, operational risk management, or a combination of both
        • 3+ years of management experience

          Desired Qualifications
          • Advanced Microsoft Office skills
          • Excellent verbal, written, and interpersonal communication skills
          • Strong analytical skills with high attention to detail and accuracy
          • Ability to articulate complex concepts in a clear manner
          • Ability to work and influence successfully within a matrix environment and build effective business partnerships with all levels of team members

            Other Desired Qualifications
            • Experience in Audit, Compliance, Risk and Testing
            • Critical Thinking and Analytical skills
            • Proven ability to discern risk and influence risk management practices, formulate and implement effective strategies, and centrally manage risks in collaboration with lines of business/groups and support functions
            • Demonstrated ability to work independently in a fast paced, changing, and virtual environment; prioritize work and guide team in prioritizing work to meet deadlines and achieve goals under pressure in a dynamic and complex environment
            • Demonstrated success in leading effective organizations, including attracting, mentoring, retaining and promoting talented and productive staff
            • An active Certified Regulatory Compliance Manager (CRCM) and Certified Internal Auditor (CIA) designation
            • Knowledge of Commercial Banking or Wholesale lines of business

              Job Expectations
              • Ability to travel up to 10% of the time

                Street Address
                NC-Charlotte: 401 S Tryon St - Charlotte, NC
                MN-Minneapolis: 600 S 4th St - Minneapolis, MN
                MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO
                IA-Des Moines: 800 Walnut St - Des Moines, IA
                IA-West Des Moines: 7001 Westown Pkwy - West Des Moines, IA
                OR-Portland: 1300 Sw 5th Ave - Portland, OR
                TX-DAL-North Dallas: 14241 Dallas Parkway - Dallas, TX
                TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX
                SC-Fort Mill: 3480 State View Blvd - Fort Mill, SC
                PA-Philadelphia: 101 N Independence Mall E - Philadelphia, PA
                SD-Sioux Falls: 4811 N 4th Ave - Sioux Falls, SD


                Disclaimer

                All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

                Relevant military experience is considered for veterans and transitioning service men and women.
                Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


                Company Description:

                Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Teller - 30hrs Broomfield

     Cache   
    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full time training for 3 weeks.? Training schedule will be as follows:? Monday - Friday -?8:30am - 5:00pm.

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Other Desired Qualifications
        ? Multilingual speakers are encouraged to apply

        Job Expectations
        • Ability to stand for extended periods of time
        • Ability to work weekends and holidays as needed or scheduled

          Salary Information
          The salary range displayed below is based on a Full-time 40 hour a week schedule.

          CO-Broomfield: Min: $31,200 Mid: $32,000


          Street Address
          CO-Broomfield: 2 Garden Ctr - Broomfield, CO


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Compliance Consultant 4

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. We focus on three key risk areas: credit risk, operational risk and market risk. We help our management and Board of Directors identify and monitor risks that may affect multiple lines of business, and take appropriate action when business activities exceed the risk tolerance of the company.Within Wells Fargo Compliance, the Enterprise Testing group is responsible for establishing and maintaining a consolidated Enterprise Testing program at the corporate level. Enterprise Testing is responsible for developing a common methodology and standards, providing governance and oversight, executing testing; and conducting horizontal reviews. Testing and validation teams are responsible for implementing the Enterprise Testing methodology and standards, and executing group- specific testing.Specific Job Responsibilities include:? Execute end-to-end business process walkthroughs, identifying risks and primary/key controls, evaluating control design, and testing the effectiveness of manual and automated controls.? Manage engagements to planned dates, resources, and hours.? Execute throughout the life cycle of the review activities to ensure the adequacy/accuracy of scope, sampling, testing approach, issues, work papers, quality reviews, etc.? Develop subject matter expertise and a thorough understanding of the processes reviewed.? Receive quality assurance feedback positively and take appropriate actions to address areas requiring attention.? Identify continuous improvement opportunities, and implement routines to drive effectiveness and efficiency.? Influence line of business and control executive teams to resolve issues, develop sound corrective actions, and strengthen internal controls.? Write reports that clearly articulate work performed and summarize testing results to business leadership, executive management, and the board.Please Note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date. If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.?

    Required Qualifications
    • 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both

      Desired Qualifications
      • Advanced Microsoft Office skills
      • Excellent verbal, written, and interpersonal communication skills
      • Strong analytical skills with high attention to detail and accuracy
      • Ability to interact with all levels of an organization

        Other Desired Qualifications
        • 3+ years experience assessing test scope, designing test scripts, as well as executing, documenting and reporting on compliance testing
        • 2+ years experience providing ?credible challenge? to business partners when necessary, with the ability to lead through influence
        • Mortgage Service experience
        • Ability to assess issues, make quick decisions, implement solutions, and influence change?
        • Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important
        • Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
        • Ability to identify and present processes/operational enhancements
        • Ability to think creatively to find innovative solutions to complex analytical questions
        • Ability to drive and lead organizational change in a dynamic environment
        • Solid critical thinking skills
        • Solid conflict management and decision making skills
        • Ability to take initiative and work independently with minimal supervision in a structured environment
        • A BS/BA degree or higher
        • Strong analytical skills with high attention to detail and accuracy
        • Experience with risk systems such as Shared Risk Platform (SHRP), Risk and Control Self-Assessment (RCSA), Control Risk Analysis System (CRAS+) or an equivalent risk platform



          Street Address
          MN-Minneapolis: 600 S 4th St - Minneapolis, MN
          MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO
          IA-Des Moines: 800 Walnut St - Des Moines, IA
          IA-West Des Moines: 7001 Westown Pkwy - West Des Moines, IA
          NC-Charlotte: 401 S Tryon St - Charlotte, NC
          OR-Portland: 1300 Sw 5th Ave - Portland, OR
          TX-DAL-North Dallas: 14241 Dallas Parkway - Dallas, TX
          TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX
          SC-Fort Mill: 3480 State View Blvd - Fort Mill, SC
          PA-Philadelphia: 101 N Independence Mall E - Philadelphia, PA
          SD-Sioux Falls: 4811 N 4th Ave - Sioux Falls, SD


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Elizabeth Warren’s ‘Medicare For All’ Plan is Just a Giant, $52 Trillion Handout to Big Pharma and the Cancer Industry

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    After being prodded and poked for months on end, Democratic presidential candidate Elizabeth “Pocahontas” Warren has finally revealed just how much her “Medicare For All” plan would likely cost American taxpayers – and it’s not pretty. According to the world’s most infamously fake Native American, the price tag for “free health care” would be “just under $52 trillion,” or nearly twice the amount of our current national debt. “All 331 million Americans,” Warren contends – this includes the tens of millions of illegal aliens that now live within our borders, it’s important to note – can be covered under Warrencare for about 65 percent of the … Continue reading

    The post Elizabeth Warren’s ‘Medicare For All’ Plan is Just a Giant, $52 Trillion Handout to Big Pharma and the Cancer Industry appeared first on LewRockwell.


              

    Six Graphs Showing Just How Much the Government Has Grown

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    Federal spending and federal taxation in the United States set new records in 2019. And the federal budget deficit swelled to more than a trillion dollars. Europe is in the middle of an enormous spending binge. But apparently hard-core laissez-faire libertarian purists have taken over the world’s governments. At least, that’s the case in the minds of many leftists and conservatives who have convinced themselves that “market fundamentalists” have conquered the world’s institutions, and have enacted a global regime of near-zero taxation, free trade, and almost totally unregulated markets. We hear this over an over again when everyone from The Pope to Bernie Sanders … Continue reading

    The post Six Graphs Showing Just How Much the Government Has Grown appeared first on LewRockwell.


              

    Personal Banker Reg (SAFE) 2

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    Job Description
    At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.As a Registered Personal Banker 2 at Wells Fargo you will be responsible for servicing and building relationships with affluent and small business customers. You will work proactively to engage customers to understand what is most important to them and help with their complex needs.? Registered Personal Banker 2s work with a group of partners to deliver an exceptional customer experience, acquire, deepen, and retain relationships, and help affluent and small business customers succeed financially.Your responsibilities include:
    • Build relationships with affluent and small business customers through asking questions to learn about their financial needs, share how Wells Fargo can help, follow up, proactive outreach, and appointments
    • Serve as a risk leader; understand and manage risks in the business, adhere to policies, procedures & controls and ensure compliance with applicable laws, rules & regulations
    • Explain and demonstrate self-service digital options to customers
    • Maintain deep knowledge of bank products and services
    • Build relationships with branch team members and partners and work together to best serve customers
    • Complete service requests, establish new accounts, and submit credit applications
    • Make introductions to partners to help meet customer?s broader financial needs
    • Help resolve customer concerns and escalate issues as needed
    • Partner closely with financial advisor to understand and meet the needs of customers with complex investment or retirement needsThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.

      Required Qualifications
      • 1+ year of experience offering products and services to customers based on their needs
      • 1+ year of experience assessing and meeting the needs of customers or handling customer issues
      • 2+ years of financial industry experience
      • Successfully completed FINRA Series 6 (or 7) and 63 (or 66) exams to qualify for immediate registration (or FINRA recognized equivalents)
      • State Life Insurance license(s)

        Desired Qualifications
        • Customer service focus with experience handling complex transactions across multiple systems
        • Experience building and maintaining effective relationships with customers and internal partners
        • Proficient with proactively sourcing, acquiring, building, and maintaining relationships with customers and colleagues
        • Knowledge and understanding of retail compliance controls, risk management, and loss prevention
        • Ability to follow policies, procedures, and regulations
        • Ability to influence, educate, and connect customer to technology and share the value of digital banking options
        • Ability to interact with integrity and professionalism with customers and team members
        • High motivation with ability to successfully meet team objectives while maintaining individual performance
        • Experience mentoring and peer-coaching others
        • Experience assessing customer needs and recommending products/services to fulfill those needs
        • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
        • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

          Job Expectations
          • Obtaining and/or maintaining appropriate Financial Industry Regulatory Authority (FINRA) license(s) is required for ongoing employment in this position. In addition state registration, specific product licenses or SAFE licensing may apply. Additional requirements include meeting enhanced financial fitness and criminal background standards. Wells Fargo will initiate the FINRA review process at the time of offer acceptance.
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
          • For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite may also be required

            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Financial Crimes Supervisor 2

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    Job Description
    At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.The Payments, Virtual Solutions, and Innovation (PVSI) team includes Operations, Consumer Credit Card, Retail Services, Consumer Deposits, the Innovation Group, Treasury Management, Merchant Services, Marketing and Wells Fargo Virtual Channels and the professional services teams that partner with these businesses. PVSI's focus is on delivering the next generation of payments and deposit capabilities and advancing our digital and online offerings to design new customer experiences and products. Our guiding principles are to start with the customer, move faster, and partner effectively.The Payments, Virtual Solutions and Innovation Fraud and Claims Management (PVSI FCM) team partners with product, channel, risk and technology teams to develop and provide secure, reliable, scalable and customer friendly prevention, investigation and claims services that protect customers and Wells Fargo from fraud losses. The team reviews account activity and high-risk transactions to prevent victim and perpetrator fraud, processes check fraud and Automated Clearing House (ACH) claims, investigates and resolves customer disputes (fraud and non-fraud) on all transaction types and manages all Wells Fargo identity theft cases.Ensures FCM?s compliance with all regulatory compliance requirements, including but not limited to Regulation E, Regulation B, Regulation V, Regulation Z and UD(A)AP. This Financial Crimes Supervisor 2 role will have a very specific Regulation E focus on a daily and ongoing basis. They will be responsible for conducting moderately complex to complex analyses of the FCM business units, including monitoring methodology, quality scorecards, and comprehensive reporting. The primary focus is on operational effectiveness. This specific Financial Crimes Supervisor 2 role will have a very specific Regulation E focus.It will provide direction to and through subordinate managers; ensuring quality standards are maintained and ensuring enactment of approaches to correct problems. They will provide subject matter expertise to interpret and administer policies, guidelines, processes or service matters and engage business leaders and legal, risk/compliance partners to clarify as needed. This position performs all of the usual activities of a manager, including establishing effective relationships with peers, partners, and senior business and support function leaders to ensure effective collaboration, policy development, and compliance.We are seeking a positive and engaged leader who has strong communication and organizational skills to partner with operational leaders, and who will effectively engage and lead high-performing team members. This is a role with high visibility and great impact. The ideal candidate will have a strong passion for driving quality production in a fast-paced environment, ensuring escalations are well-managed, have a passion for leading people and for operational improvement
    • Manage workflow including reviewing and responding to questions about specific QA reviews.
    • Responsible for developing, monitoring, and successful execution of monthly quality review plans, as well as communicating quality results to operation leaders.
    • Partnership and collaboration with internal functional departments and correspondents to resolve complex issues within department service level goals.
    • Continual analysis of workflow processes to identify and initiate changes necessary to improve the unit's efficiency, reduce unit repeat contacts, and improve the customer experience by focusing on quality, workflow, and process initiatives.
    • Select, train, develop, and motivate staff to achieve departmental objectives.
    • Recommend and make decisions on personnel related matters including performance.
    • Develop and motivate team members to achieve individual, team, and department goals.
    • Represent FCM Quality Control in cross-functional projects.
    • Perform miscellaneous duties as assigned.
    • Span of control is typically 12-15 direct reports.This is a first shift position with core hours of 8:00AM to 5:00PM, Monday through Friday. Please note that the successful candidate must have flexibility in availability as hours are subject to change due to business needs.The preferred location is Chandler, AZ and partial telecommuting may be considered.**Please note that posting duration may be shortened based on job seeker volume. **As a Team Member Manager, you are expected to achieve success by leading yourself, your team, and the business. Specifically you will:
      • Lead your team with integrity and create an environment where your team members feel included, valued, and supported to do work that energizes them.
      • Accomplish management responsibilities which include sourcing and hiring talented team members, providing ongoing coaching and feedback, recognizing and developing team members, identifying and managing risks, and completing daily management tasks.

        Required Qualifications
        • 4+ years of experience in one or a combination of the following: financial services, fraud, investigations, Bank Secrecy Act, anti money laundering, or criminal justice
        • 1+ year of leadership, supervisory, or management experience

          Desired Qualifications
          • 1+ year of supervisory or management experience
          • 1+ year of quality assurance experience
          • Excellent verbal, written, and interpersonal communication skills
          • Ability to interact with all levels of an organization
          • Experience developing partnerships and collaborating with other business and functional areas
          • Experience resolving and working through escalated and complex customer issues
          • Ability to assess current processes/procedures and make recommendations for efficiency
          • Ability to assess issues, make quick decisions, implement solutions, and influence change
          • Ability to be proactive, innovative and creative in meeting customer and enterprise needs
          • Ability to execute in a fast paced, high demand, environment while balancing multiple priorities
          • Ability to interact with integrity and a high level of professionalism with all levels of team members and management
          • Ability to leverage diversity and develop next level team
          • Ability to manage a pipeline of work from assignment to completion
          • Ability to proactively manage and mitigate issues
          • Ability to take on a high level of responsibility, initiative, and accountability
          • Knowledge and understanding of financial services industry: compliance, regulatory, or legal operations
          • Leadership experience including; coaching, training, and mentoring
          • Management experience in a virtual or remote environment
          • Ability to manage a virtual or remote team

            Other Desired Qualifications
            • Regulation E compliance management experience
            • Regulation V and/ or Regulation Z compliance management experience



              Disclaimer

              All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

              Relevant military experience is considered for veterans and transitioning service men and women.
              Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


              Company Description:

              Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Teller - 20 hours - Ivy Road

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:
    • Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?
    • Asking questions to get to know the customer to build relationships
    • Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?
    • Working as a part of a team to help customers succeed financially
    • Following policies and procedures to minimize risk
    • Accurately and efficiently processing transactions
    • Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.

      Required Qualifications
      • 1+ year of experience interacting with people, demonstrated through work, military, or education

        Desired Qualifications
        • Customer service focus with experience handling complex transactions across multiple systems
        • Ability to influence, educate, and connect customers to technology
        • Ability to interact with integrity and professionalism with customers and team members
        • Ability to meet or exceed performance objectives
        • Experience working with others on a team to meet customer needs
        • Cash handling experience
        • Ability to follow policies, procedures, and regulations
        • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
        • Well-organized, independent and able to prioritize in a fast paced environment
        • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
        • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
        • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
        • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

          Other Desired Qualifications
          • Multilingual speakers are encouraged to apply

            Job Expectations
            • Ability to stand for extended periods of time
            • Ability to work weekends and holidays as needed or scheduled

              Street Address
              VA-Charlottesville: 2100 Ivy Rd - Charlottesville, VA


              Disclaimer

              All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

              Relevant military experience is considered for veterans and transitioning service men and women.
              Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


              Company Description:

              Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Compliance Consultant 4- Data Analysis

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.The Consumer Banking Compliance (CBC) Shared Services team is responsible for executing program requirements across the CBC organization, and serves as a centralized utility that supports business aligned compliance teams (Consumer Lending, Community Banking, etc.) within CBC.This role will be part of the Reporting & Data Analysis team, and will coordinate efforts to establish governance routines across CBC teams producing metrics, scorecard/dashboard reporting, and facilitate oversight of the monitoring activities tool, and credible challenge tool.Responsibilities include:
    • Produce integrated reporting using multiple data sources (Enterprise databases, Excel workbooks, Access databases, etc.)
    • Create customized Tableau dashboards and Microsoft Excel reporting solutions using MS SQL Server
    • Work with large data sets to identify trends, issues and insight
    • Report findings, insight, and recommendations to executive management using sophisticated reporting techniques
    • Collaborate with Reporting & Analytics peer teams, providing information to enable reporting, insightful metric analysis, and presentations

      Required Qualifications
      • 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both

        Desired Qualifications
        • Advanced Microsoft Office skills
        • Excellent verbal, written, and interpersonal communication skills
        • Strong analytical skills with high attention to detail and accuracy
        • Ability to interact with all levels of an organization
        • Extensive knowledge and understanding of research and analysis
        • SQL or SAS experience
        • MS SQL server experience
        • Tableau experience
        • A BS/BA degree or higher
        • Ability to execute in a fast paced, high demand, environment while balancing multiple priorities
        • Knowledge and understanding of business intelligence tools

          Other Desired Qualifications
          • Ability to translate ambiguous ideas/issues into well-defined plans/solutions with a track record of delivering results
          • Advanced knowledge of business operations / processes and systems
          • Strong understanding of how to present data to both technical & non-technical partners, to provide clear, actionable results
          • Experience working horizontally across a large, complex organization and participating in enterprise-wide implementations of major policy and relevant compliance programs across major business divisions
          • Experience gaining consensus across key functional leadership areas through effective communication and successful delivery against goals and objectives

            Job Expectations
            • Ability to travel up to 10% of the time

              Street Address
              NC-Charlotte: 550 S Tryon St - Charlotte, NC
              MN-Minneapolis: 600 S 4th St - Minneapolis, MN
              IA-Des Moines: 800 Walnut St - Des Moines, IA
              TX-DAL-Downtown Dallas: 1445 Ross Ave - Dallas, TX
              OR-Portland: 1300 Sw 5th Ave - Portland, OR
              TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX
              MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO


              Disclaimer

              All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

              Relevant military experience is considered for veterans and transitioning service men and women.
              Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


              Company Description:

              Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Compliance Manager 3

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk. The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.Within Wells Fargo Compliance, the Enterprise Testing group is responsible for establishing and maintaining a consolidated Enterprise Testing program at the corporate level. Enterprise Testing is responsible for developing a common methodology and standards, providing governance and oversight, executing testing; and conducting horizontal reviews. Testing and validation teams are responsible for implementing the Enterprise Testing methodology and standards, and executing group- specific testing.Wholesale Testing and Validation (T&V), within Enterprise Testing, is seeking a Testing Manager to manage and oversee regulatory compliance testing and validation activities within the Commercial Banking portfolio.Within a team environment and reporting to Testing Manager, he/she will manage a team of risk professionals responsible for providing independent assurance on the design and operating effectiveness of business controls in accordance with Enterprise policy and procedures as well as the development and maintenance of strong relationships across Corporate Risk, applicable lines of business, and Wells Fargo Audit Services (WFAS).Specific Job Responsibilities:
    • Lead a team in the execution of regulatory compliance testing and validation activities according to Enterprise policy and procedures.
    • Continue to develop and execute testing program taking into consideration new systems and processes and any other Wholesale Transformation impacts.
    • Ensure comprehensive coverage, consistency in execution, and maintenance of a current testing schedule, including supervision and input in review scoping, monitoring progress of reviews and reporting on the results.
    • Support continued enhancement of testing procedures and tools, such as the testing schedule and regular status reporting.
    • Support management and coordination of testing related to special projects/initiatives and coverage, including the implementation of new testing requirements, documentation of coverage dependencies, and remediation of any related issues.
    • Support development of monitoring and automation capabilities and identification of opportunities for increased efficiencies in testing.
    • Support staffing plans and talent recruitment/hiring to maintain required staffing levels for the execution on the annual testing plan.As a Team Member Manager, you are expected to achieve success by leading yourself, your team, and the business. Specifically you will:
      • Lead your team with integrity and create an environment where your team members feel included, valued, and supported to do work that energizes them.
      • Accomplish management responsibilities which include sourcing and hiring talented team members, providing ongoing coaching and feedback, recognizing and developing team members, identifying and managing risks, and completing daily management tasks.

        Required Qualifications
        • 8+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 8+ years of IT systems security, business process management or financial services industry experience, of which 4+ years must include direct experience in compliance, operational risk management, or a combination of both
        • 3+ years of management experience

          Desired Qualifications
          • Advanced Microsoft Office skills
          • Excellent verbal, written, and interpersonal communication skills
          • Strong analytical skills with high attention to detail and accuracy
          • Ability to articulate complex concepts in a clear manner
          • Ability to work and influence successfully within a matrix environment and build effective business partnerships with all levels of team members

            Other Desired Qualifications
            • Experience in Audit, Compliance, Risk and Testing
            • Critical Thinking and Analytical skills
            • Proven ability to discern risk and influence risk management practices, formulate and implement effective strategies, and centrally manage risks in collaboration with lines of business/groups and support functions
            • Demonstrated ability to work independently in a fast paced, changing, and virtual environment; prioritize work and guide team in prioritizing work to meet deadlines and achieve goals under pressure in a dynamic and complex environment
            • Demonstrated success in leading effective organizations, including attracting, mentoring, retaining and promoting talented and productive staff
            • An active Certified Regulatory Compliance Manager (CRCM) and Certified Internal Auditor (CIA) designation
            • Knowledge of Commercial Banking or Wholesale lines of business

              Job Expectations
              • Ability to travel up to 10% of the time

                Street Address
                NC-Charlotte: 401 S Tryon St - Charlotte, NC
                MN-Minneapolis: 600 S 4th St - Minneapolis, MN
                MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO
                IA-Des Moines: 800 Walnut St - Des Moines, IA
                IA-West Des Moines: 7001 Westown Pkwy - West Des Moines, IA
                OR-Portland: 1300 Sw 5th Ave - Portland, OR
                TX-DAL-North Dallas: 14241 Dallas Parkway - Dallas, TX
                TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX
                SC-Fort Mill: 3480 State View Blvd - Fort Mill, SC
                PA-Philadelphia: 101 N Independence Mall E - Philadelphia, PA
                SD-Sioux Falls: 4811 N 4th Ave - Sioux Falls, SD


                Disclaimer

                All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

                Relevant military experience is considered for veterans and transitioning service men and women.
                Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


                Company Description:

                Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Teller 20 Hours Garden Grove

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm.

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Other Desired Qualifications
        ? Multilingual speakers are encouraged to apply

        Job Expectations
        • Ability to stand for extended periods of time
        • Ability to work weekends and holidays as needed or scheduled

          Street Address
          CA-Garden Grove: 12952 Harbor Blvd - Garden Grove, CA


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Personal Banker 1 Great Bridge

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a personal banker at Wells Fargo you will deliver exceptional customer experience, build relationships, and help consumer and small business customers succeed financially. You will engage customers in conversation and ask questions to understand what?s most important to them to allow you to provide product, service and digital options that align with their needs and help make banking easier for them.Your responsibilities include:? Building relationships with customers through proactive outreach and follow up, asking questions and learning about their financial needs? Deep knowledge of bank products and services and connecting those to customer needs? Building relationships with branch team members and partners, allowing you to work together to best serve customers? Opening new accounts, completing service requests, and submitting credit applications? Inform customers of self-service digital options and demonstrate them to customers? Helping to resolve customer concerns and escalating issues as needed? Serving as a risk leader and following policies and proceduresThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.

    Required Qualifications
    • 2+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Experience proactively engaging with customers through outreach via phone or email
      • Ability to influence, educate, and connect customers to technology
      • Ability to help customers succeed financially by offering introductions to additional team members as appropriate
      • Ability to meet or exceed performance objectives
      • Ability to interact with integrity and professionalism with customers and team members
      • Experience working with others on a team to meet customer needs
      • Experience fostering and developing strong customer relationships
      • Ability to build strong relationships with internal partners and customers
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Other Desired Qualifications
        • Multilingual speakers are encouraged to apply

          Job Expectations
          • Ability to work weekends and holidays as needed or scheduled
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

            Street Address
            VA-Chesapeake: 205 Battlefield Blvd S - Chesapeake, VA


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Compliance Consultant 4

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. We focus on three key risk areas: credit risk, operational risk and market risk. We help our management and Board of Directors identify and monitor risks that may affect multiple lines of business, and take appropriate action when business activities exceed the risk tolerance of the company.Within Wells Fargo Compliance, the Enterprise Testing group is responsible for establishing and maintaining a consolidated Enterprise Testing program at the corporate level. Enterprise Testing is responsible for developing a common methodology and standards, providing governance and oversight, executing testing; and conducting horizontal reviews. Testing and validation teams are responsible for implementing the Enterprise Testing methodology and standards, and executing group- specific testing.Specific Job Responsibilities include:? Execute end-to-end business process walkthroughs, identifying risks and primary/key controls, evaluating control design, and testing the effectiveness of manual and automated controls.? Manage engagements to planned dates, resources, and hours.? Execute throughout the life cycle of the review activities to ensure the adequacy/accuracy of scope, sampling, testing approach, issues, work papers, quality reviews, etc.? Develop subject matter expertise and a thorough understanding of the processes reviewed.? Receive quality assurance feedback positively and take appropriate actions to address areas requiring attention.? Identify continuous improvement opportunities, and implement routines to drive effectiveness and efficiency.? Influence line of business and control executive teams to resolve issues, develop sound corrective actions, and strengthen internal controls.? Write reports that clearly articulate work performed and summarize testing results to business leadership, executive management, and the board.Please Note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date. If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.?

    Required Qualifications
    • 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both

      Desired Qualifications
      • Advanced Microsoft Office skills
      • Excellent verbal, written, and interpersonal communication skills
      • Strong analytical skills with high attention to detail and accuracy
      • Ability to interact with all levels of an organization

        Other Desired Qualifications
        • 3+ years experience assessing test scope, designing test scripts, as well as executing, documenting and reporting on compliance testing
        • 2+ years experience providing ?credible challenge? to business partners when necessary, with the ability to lead through influence
        • Mortgage Service experience
        • Ability to assess issues, make quick decisions, implement solutions, and influence change?
        • Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important
        • Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment
        • Ability to identify and present processes/operational enhancements
        • Ability to think creatively to find innovative solutions to complex analytical questions
        • Ability to drive and lead organizational change in a dynamic environment
        • Solid critical thinking skills
        • Solid conflict management and decision making skills
        • Ability to take initiative and work independently with minimal supervision in a structured environment
        • A BS/BA degree or higher
        • Strong analytical skills with high attention to detail and accuracy
        • Experience with risk systems such as Shared Risk Platform (SHRP), Risk and Control Self-Assessment (RCSA), Control Risk Analysis System (CRAS+) or an equivalent risk platform



          Street Address
          MN-Minneapolis: 600 S 4th St - Minneapolis, MN
          MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO
          IA-Des Moines: 800 Walnut St - Des Moines, IA
          IA-West Des Moines: 7001 Westown Pkwy - West Des Moines, IA
          NC-Charlotte: 401 S Tryon St - Charlotte, NC
          OR-Portland: 1300 Sw 5th Ave - Portland, OR
          TX-DAL-North Dallas: 14241 Dallas Parkway - Dallas, TX
          TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX
          SC-Fort Mill: 3480 State View Blvd - Fort Mill, SC
          PA-Philadelphia: 101 N Independence Mall E - Philadelphia, PA
          SD-Sioux Falls: 4811 N 4th Ave - Sioux Falls, SD


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Head of Credit Acquisition Offer Strategy - Marketing Program Manager 1

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.??Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.The mission of Marketing is to build the best possible brand, experiences, and engagement with our customers and stakeholders that reflect our commitment to our customers and their needs and to driving key business and stakeholder outcomes.? In support of this mission, Marketing is responsible for developing integrated marketing strategies across Wells Fargo?s business lines and geographies; leading brand strategy; leveraging deep insights and analytics about consumers and businesses; executing customer messaging across all channels and touchpoints; and building out capabilities that move toward real-time, always-on, personalized and compelling messaging and digital experiences.Reporting to the Head of Credit Cards Acquisition Product Strategy, this leader will play a central role in running credit card acquisition, through ownership of card acquisition offer strategies that deepen our relationships with existing Wells Fargo customers as well as bring new customers to the franchise.This leader will oversee the acquisition offer strategy and execution and is accountable for ensuring effective and efficient offer strategies to maximize total NPV. The position is expected to work in a highly matrixed organization and have the ability to influence at various levels of the organization. Maintaining the highest levels of operational control is critical.The leader in this role will have an exciting opportunity to lead within an area of growth at Wells Fargo. He/she will influence the go forward marketing strategy for consumer credit card acquisition with an objective of efficiently acquiring new accounts through prospecting and cross-sell. This position will have the opportunity to gain leadership experiences and senior leadership exposure.Role responsibilities are as follows:
    • Marketing Strategy:? Participate in the strategic development and analysis of direct-to-consumer acquisition initiatives leveraging a multi-channel and integrated approach across on and offline mediums. Develop and manage associated action plans to deliver on vision.? Conduct competitive analysis to determine appropriate methods/approaches to generate demand.?
    • Offer Strategy:? Identify innovative and/or new offer/treatment/incentives to stimulate card acquisition, activation and usage; participate in the development of rigorous test agenda.
    • Collaborate and work closely with peers across credit card acquisition who manage channels, product strategies, and the overall acquisition approach; partner with Marketing Centers of Excellence, Insights and Analytics, Finance, Risk, and Product Management partners
    • Manage operational risk:? ensure processes and controls are robust and effective; identify opportunities to improve quality, output and efficiency for offer development and launchMay consider additional locations within the designated Wells Fargo footprint.

      Required Qualifications
      • 5+ years of marketing experience

        Desired Qualifications
        • Strong analytical skills and ability to build business cases
        • Ability to work and influence successfully within a matrix environment and build effective business partnerships with all levels of team members
        • Excellent verbal, written, and interpersonal communication skills
        • Strong strategic planning skills

          Other Desired Qualifications
          • 5+ years of marketing experience with understanding of consumer financial services and emerging trends in acquisition
          • Experience with segmentation, targeting, modeling, controlled testing and ROI analysis
          • Deep understanding of consumers' borrowing and financial needs
          • Demonstrated ability to use data and consumer insights to develop compelling strategies to engage consumers and sales channels and drive business results
          • Experience at a top-tier credit card issuer is preferred
          • A Master's Degree in Business Administration ?

            Job Expectations
            • Ability to travel up to 10% of the time

              Salary Information
              The salary range displayed below is based on a Full-time 40 hour a week schedule.

              IA-West Des Moines: Min: $74,600 Mid: $105,000
              TX-Irving: Min: $74,600 Mid: $105,000
              CA-Concord: Min: $89,500 Mid: $126,000
              CA-Oakland: Min: $89,500 Mid: $126,000


              Disclaimer

              All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

              Relevant military experience is considered for veterans and transitioning service men and women.
              Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


              Company Description:

              Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Lead Data Scientist, Workforce Analytics Vice President

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    Lead Data Scientist, Workforce Analytics Vice President JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $2.6 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small business, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world's most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Information about JPMorgan Chase & Co. is available at *********************. Human Resources plays an integral role in designing, implementing, and managing global initiatives across the firm. The functional areas within HR include global Recruiting, Training, Talent and Development, Diversity, Compensation, Benefits, Culture, Conduct, Employee Relations, Technology, Finance, HR Service Delivery, and the Chief Data & Analytics Office. Workforce Analytics (WFA) is the firms centralized global HR analytics function, positioned within the HR Chief Data & Analytics Office. WFA applies quantitative methods, technology, and research to people data and people decisions across the firm. Position Overview & Responsibilities: This is a leadership position in the HR Data Science team with responsibility to design, plan, and execute on a cross-functional book of work. This position, reporting to the Head of Data Science, will be tasked with: - identifying and investigating areas of new opportunity for advanced analytics in the HR space - supporting and expanding existing data products via experiment design, storytelling, and partnership with Finance, Technology, and business executives - team leadership and individual contribution to a variety of projects and products focused on integrating ML and NLP within HR and business processes Candidate Profile The ideal candidate will demonstrate skill in client engagement, team leadership, and creative problem solving. They will possess significant technical knowledge and experience with natural language processing, particularly text pre-processing, word embedding, and topic modeling. S/he will also be skilled in predictive model development and in communicating technical subject-matter to a variety of audiences. In addition to strong technical skills, the ideal candidate will be innovative, self-motivated, and inclined to create genuine business value through the alignment of technology, data, and business interests. Strong communication skills and teamwork will be vital to success, as many high value opportunities require partnership with multiple business and functional groups across the firm. Key Responsibilities - Partner with HR executives, business leaders, and functional groups to develop and advance the HR data science agenda - Build innovative models, tools and applications to solution new opportunities with ML and NLP - Lead and partner with data scientists, analysts, and engineers on the team and in aligned support functions to deploy, maintain, and scale models as integrated data products - Design and support experiments to quantify business value - Translate research to actionable insights and clearly communicate results to business owners - Connect with other analytics groups to share and review work, tools, methodologies and results Requirements - B.S. in Computer Science or a quantitativefield preferred - 5+ years of professional experience ina related field - Significant programming experience required,Python preferred - Familiarity with NLP, classificationmodeling, and network analysis preferred - Experience with experiment design is desired - Strong communication skills and ateam-oriented attitude JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran.
              

    Women’s History Month is a great time to recognize women business owner’s

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    Women’s History Month is a great time to recognize women business owner’s Tiffany Winbush Mon, 03/11/2013 - 17:07

    Women-owned businesses are growing. And it looks like 2013 is the year of the female entrepreneur.

    Each year, March kicks off Women’s History Month. It’s a time when women are recognized for their invaluable contributions to society. This month, we’re taking the opportunity to recognize women who are small business owners. American Express OPEN has a great infographic showing how quickly the number of women-owned businesses have grown and highlighting their goals and journey as they build their businesses.  Today  there are over eight million women-owned businesses, an increase of 54% over the last 15 years. Women-owned businesses have generated almost $1.5 trillion dollars in revenue. These women are making a lasting impact on the economy by creating jobs and providing products and services highly sought out by consumers.

    This year, the National Association of Women Business Owners (NAWBO) and Web.com released a survey asking over 500 women entrepreneurs what they expect in the year ahead. It looks like 2013 is the year of the female entrepreneur. Many of those surveyed are expecting even more success this year than last. Here at Hiscox, we’ve recognized the power of female entrepreneurship before. Lori Shannon, founder of See Jane Run, shared why she pursued entrepreneurship in the My Startup Story video series. This month on the Hiscox blog, we’re highlighting women business owners who’ll share how they got started and what strategies they’ve used to grow their businesses. They’ll also share some tips on how you can do the same. Check back later this week for our first feature.


              

    Home Mortgage Consultant (SAFE)

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    Job Description
    At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
    • Develop knowledge of company products, policies and procedures, and underwriting requirements
    • Understand real estate appraisals, title reports, and real estate transactions
    • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
    • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
    • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
    • Develop and maintain a high degree of visibility for WFHM in the marketplace
    • Perform miscellaneous duties as needed and required???????????????????????????

      Required Qualifications
      • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

        Desired Qualifications
        • Basic Microsoft Office skills
        • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
        • Excellent verbal, written, and interpersonal communication skills
        • Mortgage industry experience
        • Knowledge and understanding of sales prospecting and generating referrals
        • Bilingual speaking proficiency in Spanish/English
        • Customer service experience
        • A BS/BA degree or higher

          Job Expectations
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
          • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
          • Ability to lift 20+ pounds
          • Reliable transportation
          • Ability to work nights, weekends, and/or holidays as needed or scheduled

            Street Address
            OH-Cincinnati: 8230 Montgomery Rd - Cincinnati, OH
            KY-Lexington: 3100 Old Todds Road - Lexington, KY
            KY-Louisville: 9300 Shelbyville Rd - Louisville, KY
            MI-Troy: 2401 W Big Beaver Rd - Troy, MI
            MI-Farmington Hills: 27755 Stansbury Blvd - Farmington Hills, MI
            MI-Shelby Township: 45423 Market Street - Shelby Township, MI
            OH-Columbus: 445 Hutchinson Ave - Columbus, OH
            OH-Perrysburg: 28300 Kensington Lane - Perrysburg, OH
            OH-Stow: 4218 Hudson Drive - Stow, OH
            OH-Canton: 4368 Dressler Rd - Canton, OH
            OH-Fremont: 623 Napoleon St - Fremont, OH
            WV-Scott Depot: 33 Erskine Lane - Scott Depot, WV


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Mortgage Consultant (SAFE)

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    Job Description
    At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
    • Develop knowledge of company products, policies and procedures, and underwriting requirements
    • Understand real estate appraisals, title reports, and real estate transactions
    • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
    • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
    • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
    • Develop and maintain a high degree of visibility for WFHM in the marketplace
    • Perform miscellaneous duties as needed and required

      Required Qualifications
      • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

        Desired Qualifications
        • Basic Microsoft Office skills
        • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
        • Excellent verbal, written, and interpersonal communication skills
        • Mortgage industry experience
        • Knowledge and understanding of sales prospecting and generating referrals
        • Bilingual speaking proficiency in Spanish/English
        • Customer service experience
        • A BS/BA degree or higher

          Job Expectations
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
          • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
          • Ability to lift 20+ pounds
          • Ability to work nights, weekends, and/or holidays as needed or scheduled
          • Reliable transportation

            Street Address
            AZ-Peoria: 16150 N Arrowhead Fountains Ctr Dr - Peoria, AZ
            AZ-Gilbert: 335 E Germann Rd - Gilbert, AZ
            AZ-Tempe: 3920 S Rural Rd - Tempe, AZ
            AZ-Goodyear: 1646 N Litchfield Rd - Goodyear, AZ
            AZ-PHX-Northeast Phoenix: 20830 N Tatum Blvd - Phoenix, AZ
            HI-Honolulu: 1357 Kapiolani Blvd - Honolulu, HI
            HI-Kailua Kona: 75 5722 Kuakini Highway - Kailua Kona, HI


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    CCB-Risk-Card Portfolio Strategic Analytics-Vice President

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    CCB-Risk-Card Portfolio StrategicAnalytics-Vice President JPMorgan Chase & Co . (NYSE: JPM) is a leading global financial services firm with assets of $2.7 trillion and operations worldwide. The Firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of customers in the United States and many of the world's most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Information about JPMorgan Chase & Co. is available at ********************* at ***************************** Our Firmwide RiskFunction is focused on cultivating a stronger, unified culture that embraces a sense of personal accountability for developing the highest corporate standards in governance and controls across the firm. Business priorities are built around the need to strengthen and guard the firm from the many risks we face, financial rigor, risk discipline, fostering a transparent culture and doing the right thing in every situation. We are equally focused on nurturing talent, respecting the diverse experiences that our team of Risk professionals bring and embracing an inclusive environment. Chase Consumer & Community Banking (CCB) serves consumers and small businesses with a broad range of financial services, including personal banking, small business banking and lending, mortgages, credit cards, payments, auto finance and investment advice. Consumer & Community Banking Risk Management partners with each CCB sub-line of business to identify, assess, prioritize and remediate risk. Types of risk that occur in consumer businesses include fraud, reputation, operational, credit, market and regulatory, among others. As a Vice President onthe Chase Credit Line Increase (CLI) Risk Management strategy team you will have a chance to develop, grow and make big business contributions by providing thoughtful leadership and using analytic skills to develop, monitor and manage CLI strategies and control procedures. Responsibilities: - Candidatewill have direct ownership and accountability of CLI strategies. Thisincludes oversight of eligibility rules, strategy segmentations, and lineoptimization, partnership with multiple business partners to implementchanges to the strategy, and strong communication of performance andfuture expectations. - Developand apply mathematical or statistical theory and tools (SAS, SQL etc.) tocollect, organize, interpret, and summarize numerical data sets frommultiple sources to develop the best of class risk strategy in theindustry through advanced analytical and segmentation techniques - Mustdesign, implement, track, and report on new strategies in a Test vs.Control environment. Follow a disciplined analysis approach toensure recommendations taken to Senior Management result in correctdecisions. - Developand communicate creative solutions to business unit management ineffective manners - Workwith execution team to implement, validate, and monitor the strategyquality and its performance; ensure robust control and governance tomanage operational risk - Helpspearhead best in class documentation and audit controls surrounding theCLI strategies - Potentialto lead and train the junior analysts to understand the data and findinnovative solutions to complex business problem and drive healthybusiness growth with full cycle view of loss and profitability Qualifications: - 6+ years of risk management orfinancial services experience - Strong written and verbalcommunication skills, including ability to present findings to SeniorManagement - Experience partnering acrossdifferent functions and independent decision making skills - SAS, SQL, and statisticalanalysis experience - Resultoriented with attention to details and ability to lead projects - Flexibleand able to handle multiple tasks in a fast paced changing environment - Knowledge of financialprocedures & principles and strong understanding of consumer lending - Proveninnovative thinker with quick learning ability to identify, analyze andsolve problems in a thoughtful and organized manner to develop strategy recommendations - Bachelor's degree in a relevantdiscipline like Statistics, Economics, or Finance - Advanced degree in Mathematics,Statistics, Economics, Finance or a related quantitative disciplinepreferred JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran.
              

    Home Mortgage Consultant -Coachella Valley

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    Job Description
    At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
    • Develop knowledge of company products, policies and procedures, and underwriting requirements
    • Understand real estate appraisals, title reports, and real estate transactions
    • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
    • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
    • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
    • Develop and maintain a high degree of visibility for WFHM in the marketplace
    • Perform miscellaneous duties as needed and required??

      Required Qualifications
      • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

        Desired Qualifications
        • Basic Microsoft Office skills
        • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
        • Excellent verbal, written, and interpersonal communication skills
        • Mortgage industry experience
        • Knowledge and understanding of sales prospecting and generating referrals
        • Bilingual speaking proficiency in Spanish/English
        • Customer service experience
        • A BS/BA degree or higher

          Job Expectations
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
          • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
          • Ability to lift 20+ pounds
          • Reliable transportation
          • Ability to work nights, weekends, and/or holidays as needed or scheduled

            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Personal Banker (SAFE) 1 - Greenbay Fisk

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a personal banker at Wells Fargo you will deliver exceptional customer experience, build relationships, and help consumer and small business customers succeed financially. You will engage customers in conversation and ask questions to understand what?s most important to them to allow you to provide product, service and digital options that align with their needs and help make banking easier for them.Your responsibilities include:? Building relationships with customers through proactive outreach and follow up, asking questions and learning about their financial needs? Deep knowledge of bank products and services and connecting those to customer needs? Building relationships with branch team members and partners, allowing you to work together to best serve customers? Opening new accounts, completing service requests, and submitting credit applications? Inform customers of self-service digital options and demonstrate them to customers? Helping to resolve customer concerns and escalating issues as needed? Serving as a risk leader and following policies and proceduresThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 5 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm.Learn more about Who We Are. Copy and paste this video URL into a new browser tab to view: https://www.youtube.com/watch?v=SDLs4Fus9D8&list=PL1wnNCsFZfFVW7aXdtLBFvYrHynSOJcL0&index=3&t=0s?

    Required Qualifications
    • 2+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Experience proactively engaging with customers through outreach via phone or email
      • Ability to influence, educate, and connect customers to technology
      • Ability to help customers succeed financially by offering introductions to additional team members as appropriate
      • Ability to meet or exceed performance objectives
      • Ability to interact with integrity and professionalism with customers and team members
      • Experience working with others on a team to meet customer needs
      • Experience fostering and developing strong customer relationships
      • Ability to build strong relationships with internal partners and customers
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Job Expectations
        • Ability to work weekends and holidays as needed or scheduled
        • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

          Street Address
          WI-Green Bay: 908 S Fisk St - Green Bay, WI


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Home Mortgage Consultant (SAFE)

     Cache   
    Job Description
    At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We've built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
    • Develop knowledge of company products, policies and procedures, and underwriting requirements
    • Understand real estate appraisals, title reports, and real estate transactions
    • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
    • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
    • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
    • Develop and maintain a high degree of visibility for WFHM in the marketplace
    • Perform miscellaneous duties as needed and required?

      Required Qualifications
      • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

        Desired Qualifications
        • Basic Microsoft Office skills
        • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
        • Excellent verbal, written, and interpersonal communication skills
        • Mortgage industry experience
        • Knowledge and understanding of sales prospecting and generating referrals
        • Bilingual speaking proficiency in Spanish/English
        • Customer service experience
        • A BS/BA degree or higher

          Job Expectations
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
          • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
          • Ability to lift 20+ pounds
          • Reliable transportation
          • Ability to work nights, weekends, and/or holidays as needed or scheduled

            Street Address
            FL-Brandon: 1463 Oakfield - Brandon, FL
            FL-Clearwater: 311 Park Place Boulevard - Clearwater, FL
            FL-Fort Myers: 12370 S Cleveland Ave - Fort Myers, FL
            FL-Temple Terrace: 6943 E Fowler Ave - Temple Terrace, FL
            FL-Sarasota: 2891 S Tamiami Trl - Sarasota, FL
            FL-Tampa: 100 S Ashley Dr - Tampa, FL
            FL-Tallahassee: 1989 Capital Circle NE - Tallahassee, FL


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Bilingual Teller (24 Hours)

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.Team member must be able to conduct transactions normally associated with this role in Spanish and English.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancing?Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm.Want to learn more about our team?? Copy and paste this video URL into a new browser tab to hear what our team members are saying:? https://www.youtube.com/watch?v=SDLs4Fus9D8&list=PL1wnNCsFZfFVW7aXdtLBFvYrHynSOJcL0&index=3&t=0s

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education
    • Bilingual speaking proficiency in Spanish/English

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Job Expectations
        • Ability to stand for extended periods of time
        • Ability to work weekends and holidays as needed or scheduled
        • Must take and pass required Spanish language assessment

          Salary Information
          The salary range displayed below is based on a Full-time 40 hour a week schedule.

          ID-Nampa: Min: $31,200 Mid: $32,000


          Street Address
          ID-Nampa: 1401 12th Avenue Rd - Nampa, ID


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Compliance Consultant 4 - IBG Platform Services Compliance

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    Job Description
    At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.Wells Fargo Compliance is the company?s compliance independent risk management function, providing company-wide leadership, standards, support, and independent oversight to ensure that all front-line business groups abide by applicable laws, rules, regulations and regulatory guidance (regulatory requirements), meet compliance responsibilities, and manage compliance risks. Wells Fargo Compliance credibly challenges management decisions, business processes and activities, and evaluates and assesses adherence to applicable regulatory requirements. It provides appropriate analysis, reporting, and escalation to senior management and the Board of Directors, sets minimum standards for the company, and gives advice, guidance, and support for compliance risk management activities across the enterprise.Within Wells Fargo Advisors (WFA) Compliance, the CE&G/Independent Brokerage Group (IBG) Compliance Team supports Client Experience & Growth, independent channels, and the design and development of the Financial Advisor Platform.? Working with our business partners, we help provide the advisors with the programs, tools, and technology they need to deliver innovative financial solutions to clients in an effective, efficient, and compliant manner.The Platform Services Compliance Consultant 4 will be a critical team member in the Compliance Department's collaboration and oversight of the WFA Independent Brokerage Group Platform Services Group as they develop and deliver technology and application support across the WFA Lines of Businesses. The ideal candidate will be a collaborator and problem solver who has a comprehensive knowledge of both risk management and oversight but is also dedicated to the objective of the Firm to provide investment professionals with the tools they need to deliver outstanding customer service and financial recommendations and advice that are in the client's best interest while providing Home Office stakeholders the tools to monitor, oversight, and supervise those activities.? The Platform Services CC4 role be responsible for the following activities:
    • Partner with, support the initiatives of, and provide critical challenge to the activities of the IBG Platform Services Team;
    • Assist with establishing and implementing compliance, legal, and risk governance and oversight of business applications and services;
    • Participate in the strategic initiatives of IBG Platform Services and represent Compliance at senior leader meetings, inculcating a culture of compliance;
    • Foster an environment that supports strong communication and cooperation across the three lines of defense, including business line leadership, Legal, Audit, Compliance and other corporate stakeholders to facilitate transparency, balance and credible challenge;
    • Provide compliance support and guidance to business and control areas responsible for information security and privacy regulations including but not limited to Regulation S-P, GLBA, CCPA, and GDPR.

      Required Qualifications
      • 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both
      • Successfully completed FINRA Series 7 exam to qualify for immediate registration (or FINRA recognized equivalents)

        Desired Qualifications
        • Advanced Microsoft Office skills
        • Excellent verbal, written, and interpersonal communication skills
        • Strong analytical skills with high attention to detail and accuracy
        • Ability to interact with all levels of an organization
        • FINRA registration including Series 9/10 or 24 (or FINRA recognized equivalents)

          Other Desired Qualifications
          • Familiarity with application development and implementation life-cycle management
          • Superior communications skills and the ability to express complex ideas succinctly and clearly
          • Ability to learn new concepts and the skill to put them into action??
          • Exceptional skills at collaborating, partnering, and helping others achieve their objectives
          • Demonstrated experience interacting with, providing reporting to and supporting senior and executive level leaders
          • Ability to respond quickly to changing job demands
          • Demonstrated ability to work independently, while ensuring appropriate transparency and escalation



            Street Address
            MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Teller Full Time 30 Hours Central Pasadena

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.?

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Other Desired Qualifications
        ? Multilingual speakers are encouraged to apply

        Job Expectations
        • Ability to stand for extended periods of time
        • Ability to work weekends and holidays as needed or scheduled

          Street Address
          CA-Pasadena: 1739 E Colorado Blvd - Pasadena, CA


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Sr. Agency Mortgage Underwriter 4 (SAFE)

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen. Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you. For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers, in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.?We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.National Underwriting and Production Risk Management (NUPRM) provides support for transaction underwriting, managing production risk, and implementation of policies and procedures that support the home lending process. As part of Wells Fargo Home Lending, NUPRM identifies and adopts best practices and controls in relation to retail mortgage products.In addition to exception review and approval support for the loan production process, NUPRM provides strategic support for a variety of complex lending programs (e.g. FHA/VA; HARP; RD & CDMP) and home lending support functions (e.g. Remediation, Product Validation.)The National Decisioning Services (NDS) team is looking for a Consumer Ln Underwriter 4 (SAFE). This position is responsible for reviewing, analyzing, approving and underwriting high risk, unusual or complex individual consumer requests and products within company and industry guidelines.Functions include:
    • Compiles, analyzes and documents loan data, credit risk, borrower and property information
    • Determines decisions/exceptions beyond the decisioning authority levels of other underwriters
    • May negotiate loan provisions
    • Underwrites exception work streams that cannot be decisioned through the risk engine
    • Reviews financial statements, credit reports, and applicable ratios (i.e. debt ratios, loan-to-value)
    • Evaluates and examines transactions to ensure accuracy and completeness.
    • Prepares formal reports for review
    • Ensures documents are consistent and conform to company and industry guidelines
    • Acceptable credit quality within the lending authority. No current outlier status with QIS, CQA, post-closing deficiencies, internal, agency and/or government audits
    • Implements fraud detection techniques and performs compliance reviews
    • Assists with re-negotiation of loans based on lending guidelines
    • Contacts customers and/or business partners to gather information to make appropriate decisions and explain the rationale of those credit decisions
    • Mentors and reviews the analysis of other underwriters
    • May provide credit policy direction to underwriting managers in the field
    • May provide work direction, training and auditing for other team membersThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.

      Required Qualifications
      • 5+ years of underwriting experience

        Desired Qualifications
        • Basic Microsoft Office skills
        • Strong analytical skills with high attention to detail and accuracy
        • Excellent verbal, written, and interpersonal communication skills
        • Ability to interact with all levels of an organization
        • Ability to consult, build, and maintain solid working relationships in and outside of immediate department
        • Knowledge and understanding of government and conventional loans
        • Knowledge and understanding of underwriting policies and procedures, investor guidelines, and regulatory updates
        • Knowledge and understanding of underwriting: complex conventional transactions
        • Experience with underwriting policies and procedures such as risk-layering and asset evaluation
        • Experience with review and approval of second level lending requests

          Other Desired Qualifications
          • Excellent underwriting experience with conventional mortgage loans (FNMA, FHMLC)

            Job Expectations
            • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
            • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
            • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.

              Street Address
              CA-San Bernardino: 1003 E Brier Dr - San Bernardino, CA
              IA-Des Moines: 800 Walnut St - Des Moines, IA


              Disclaimer

              All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

              Relevant military experience is considered for veterans and transitioning service men and women.
              Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


              Company Description:

              Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Sr. Research Scientist, Reinforcement Learning

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    Changing the world through digital experiences is what Adobe s all about. W give everyone from emerging artists to global brands everything they n to design and deliver exceptional digital experiences. We re passionate abo empowering people to create beautiful and powerful images, videos, and apps, and transform how companies interact with customers across every screen. We re on a mission to hire the very best and are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere in the organization, and we know the next big idea could be yours. Take a peek into Adobe life in this video. The challenge The Cloud Technology organization builds platform and client services that are foundational building blocks for many other Adobe products and services. Areas of focus include: identity, security, cloud storage, e-commerce, workflow management, synchronization, customer facing web apps, scalability, infrastructure management and search, just to name a few. Our mission is to build highly scalable, highly available and highly resilient services that fulfill the business objectives of Adobe The Data Science Lab (DSL) at Adobe Research, San Jose, is looking to hire an established researcher in the broad area of multi-armed bandits, reinforcement learning, sequential decision-making, and probabilistic planning. The successful candidate should have credentials that are preferably at the senior research scientist level. This is an opportunity to work alongside an established world class team of researchers with expertise in reinforcement learning, sequential decision making, multi-armed bandits, optimization, game theory, sketching and streaming algorithms, causation, counterfactuals and imagination-based AI. DSL has an excellent publication record with dozens of papers at top-tier machine learning and AI conferences and journals in recent years. Over the past few years, Adobe has had a world class team in RL, with a highly successful track record of publications in top AI and ML conferences. With more than 170 world-class research scientists and engineers, Adobe Research blends cutting-edge academic discovery with industry impact. Our scientists are provided with the resources, support, and freedom to shape their ideas into innovative technologies. They collaborate with colleagues at over fifty universities, often presenting their work at top-tier international conferences. Many of our researchers discoveries are incorporated into Adobe s products, building the company s reputation as a pioneer in co and data intelligence. Adobe is one of the largest software companies in the world, and a market leader in three major areas: Creative Cloud (Photoshop, Illustrator, Spark etc.), Document Cloud (PDF and related software), and the Digital Experience Cloud (including Adobe Audience Manager, Adobe Analytics, Target, and Campaign). Adobe Experience Cloud (******************************************* is one of the largest data collection platforms in the world, managing the content, customer intelligence, and digital marketing for most Fortune 500 companies. Adobe Digital Experience cloud processes trillions of transactions per year, involving hundreds of petabytes of data, and offers unparalleled opportunities for exploring web scale solutions for AI and machine learning. The role * Help drive the technical agenda in reinforcement learning and related topics. * Responsible for providing technical leadership across multiple teams, by understanding the technical space deeply enough to help guide corporate strategy or business unit strategy, or by providing innovations that fuel the growth of Adobe. * Be able to lead cross functional working groups or initiatives or provide consulting/advice to other departments or groups within the company * Partner with the already existing research teams at Adobe, including world class experts in computer vision, deep learning, NLP, graphics, and HCI * Provide critical analysis of issues for continuous improvement of technology, process and team productivity * Act as an industry evangelist, internally and externally. Engage with the research community at large, including university collaborations, intern recruiting and mentorship, and publishing and participation in top-tier conferences. The_Requirements * Five or more years of experience and a PhD in Machine Learning, Artificial Intelligence or related field * Prior experience in the development of current or future products or technologies * Recognized by peers in industry, academia or the research community * Recognized technical expertise includes but not limited to publications, editorial and advisory boards, conference/symposium presentations, patents, professional peer recognition and strategically important developments, innovations, or technical contributions * Demonstrated experience in mentoring and coaching interns, and junior technical contributors. Application Submission The application should include a brief description of the applicant's research interests and experience, plus a CV that contains the degrees, relevant publications, names and the contact information of references, and other relevant documents. At Adobe, you will be immersed in an exceptional work environment that is recognized throughout the world on Best_Companies_lists. You will also be surrounded by colleagues who are committed to helping each other grow through our unique Check-In approach where ongoing feedback flows freely. If you re looking to make an impact, Adobe's the place for you. Discover wh our employees are saying about their career experiences on the Adobe Life blog and explore the meaningful benefits we offer. Adobe is an equal opportunity employer. We welcome and encourage diversity in the workplace regardless of race, gender, religion, age, sexual orientation, gender identity, disability or veteran status.
              

    Loan Servicing Specialist 3

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers, in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.Our Customer Account Management team focuses on the customer and strives for operational excellence in servicing mortgage loans and home equity products for our customers.The Wells Fargo Payoff and Reinstatement Team is responsible for providing superior service to our customers, investors and agencies through the completion of foreclosure reinstatement and payoff quotes for mortgage and equity loans.SHIFT: 7:00 am to 4:00 pm Monday-Friday. Overtime may be required. (Shifts subject to changed based on business need.)Specific responsibilities include but not limited to:? Provide foreclosure reinstatement and payoff quotes to internal and external customers for various portfolios? Research discrepancies in quotes and billing in regard to fees and costs as well as mortgagor recoverable balances after reinstatement or payoff? Process nonstandard quote requests? Works closely with Foreclosure Specialized Quote team, Foreclosure Call Center Team, Foreclosure and Bankruptcy attorneys, Litigation Team and Reinstatement and Payoff Funds Processing Teams

    Required Qualifications
    • 6+ months of experience in one or a combination of the following: customer service, loan administration, collections, or sales environment

      Desired Qualifications
      • Basic Microsoft Office skills
      • Ability to navigate multiple computer systems, applications, and utilize search tools to find information
      • Strong analytical skills with high attention to detail and accuracy
      • Excellent verbal, written, and interpersonal communication skills
      • Ability to interact with all levels of an organization

        Other Desired Qualifications
        ? Strong mathematical, account balancing and research skills? Proven ability to meet strict daily and monthly deadlines? Strong team player and ability to work independently? Strong data entry skills including high accuracy, speed and 10 Key skills? Knowledge of Wells Fargo Home Mortgage and Equity foreclosure principals and guidelines? Experience with Hogan/SHAW/LPS/MSP, GEM, ECaR, PAC2000, Letter Maker, and ICMP

        Job Expectations
        • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.

          Street Address
          MT-Billings: 2324 Overland Avenue - Billings, MT


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Mortgage Consultant (SAFE)

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    Job Description
    At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
    • Develop knowledge of company products, policies and procedures, and underwriting requirements
    • Understand real estate appraisals, title reports, and real estate transactions
    • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
    • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
    • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
    • Develop and maintain a high degree of visibility for WFHM in the marketplace
    • Perform miscellaneous duties as needed and required?

      Required Qualifications
      • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

        Desired Qualifications
        • Basic Microsoft Office skills
        • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
        • Excellent verbal, written, and interpersonal communication skills
        • Mortgage industry experience
        • Knowledge and understanding of sales prospecting and generating referrals
        • Bilingual speaking proficiency in Spanish/English
        • Customer service experience
        • A BS/BA degree or higher

          Job Expectations
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
          • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
          • Ability to lift 20+ pounds
          • Reliable transportation
          • Ability to work nights, weekends, and/or holidays as needed or scheduled

            Street Address
            NM-Albuquerque: 200 Lomas Blvd - Albuquerque, NM
            NM-Alamogordo: 1109 New York - Alamogordo, NM
            NM-Roswell: 400 N Pennsylvania - Roswell, NM
            NM-Ruidoso: 401 Sudderth - Ruidoso, NM
            NM-Santa Fe: 770 St Michaels Drive Se - Santa Fe, NM
            NM-Clovis: 223 Main St - Clovis, NM
            TX-El Paso: 1510 Zaragosa - El Paso, TX
            NM-Las Cruces: 425 S Telshor - Las Cruces, NM
            NM-Hobbs: 1910 N Turner - Hobbs, NM


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Teller 30 hours Ankeny

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    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.?

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Job Expectations
        • Ability to stand for extended periods of time
        • Ability to work weekends and holidays as needed or scheduled

          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Compliance Consultant 4- Data Analysis

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.The Consumer Banking Compliance (CBC) Shared Services team is responsible for executing program requirements across the CBC organization, and serves as a centralized utility that supports business aligned compliance teams (Consumer Lending, Community Banking, etc.) within CBC.This role will be part of the Reporting & Data Analysis team, and will coordinate efforts to establish governance routines across CBC teams producing metrics, scorecard/dashboard reporting, and facilitate oversight of the monitoring activities tool, and credible challenge tool.Responsibilities include:
    • Produce integrated reporting using multiple data sources (Enterprise databases, Excel workbooks, Access databases, etc.)
    • Create customized Tableau dashboards and Microsoft Excel reporting solutions using MS SQL Server
    • Work with large data sets to identify trends, issues and insight
    • Report findings, insight, and recommendations to executive management using sophisticated reporting techniques
    • Collaborate with Reporting & Analytics peer teams, providing information to enable reporting, insightful metric analysis, and presentations

      Required Qualifications
      • 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both

        Desired Qualifications
        • Advanced Microsoft Office skills
        • Excellent verbal, written, and interpersonal communication skills
        • Strong analytical skills with high attention to detail and accuracy
        • Ability to interact with all levels of an organization
        • Extensive knowledge and understanding of research and analysis
        • SQL or SAS experience
        • MS SQL server experience
        • Tableau experience
        • A BS/BA degree or higher
        • Ability to execute in a fast paced, high demand, environment while balancing multiple priorities
        • Knowledge and understanding of business intelligence tools

          Other Desired Qualifications
          • Ability to translate ambiguous ideas/issues into well-defined plans/solutions with a track record of delivering results
          • Advanced knowledge of business operations / processes and systems
          • Strong understanding of how to present data to both technical & non-technical partners, to provide clear, actionable results
          • Experience working horizontally across a large, complex organization and participating in enterprise-wide implementations of major policy and relevant compliance programs across major business divisions
          • Experience gaining consensus across key functional leadership areas through effective communication and successful delivery against goals and objectives

            Job Expectations
            • Ability to travel up to 10% of the time

              Street Address
              NC-Charlotte: 550 S Tryon St - Charlotte, NC
              MN-Minneapolis: 600 S 4th St - Minneapolis, MN
              IA-Des Moines: 800 Walnut St - Des Moines, IA
              TX-DAL-Downtown Dallas: 1445 Ross Ave - Dallas, TX
              OR-Portland: 1300 Sw 5th Ave - Portland, OR
              TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX
              MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO


              Disclaimer

              All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

              Relevant military experience is considered for veterans and transitioning service men and women.
              Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


              Company Description:

              Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Senior Network Engineer

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    About Us

    At Cloudflare, we have our eyes set on an ambitious goal: to help build a better Internet. Today the company runs one of the world s largest networks that powers trillions of requests per month. Cloudflare protects and accelerates any Internet application online without adding hardware, installing software, or changing a line of code. Internet properties powered by Cloudflare have all web traffic routed through its intelligent global network, which gets smarter with every request. As a result, they see significant improvement in performance and a decrease in spam and other attacks. Cloudflare was recognized by the World Economic Forum as a Technology Pioneer and named to Entrepreneur Magazine s Top Company Cultures list.

    We realize people do not fit into neat boxes. We are looking for curious and empathetic individuals who are committed to developing themselves and learning new skills, and we are ready to help you do that. We cannot complete our mission without building a diverse and inclusive team. We hire the best people based on an evaluation of their potential and support them throughout their time at Cloudflare. Come join us!

    About The Department

    We are looking for a Network Engineer to join our team. Cloudflare is building one of the largest, most resilient networks that spans over 190 points of presence spread across all regions and plan to continue our expansion at a rapid pace. This position will be responsible for the technical operation and engineering of the Cloudflare network, including the planning, installation and management of the hardware and software as well as the day to day operations of the network. This is an opportunity to be part of the team that is building a high -performance network that is accessible to any web property online.

    What You\'ll Do

    * 5 plus years of experience working in large scale network engineering environments

    * Expert knowledge of Junos

    * Expert knowledge of BGP

    * Strong understanding of anycast routing

    * Experience writing network configuration and design documentation

    * Experience working on high traffic networks

    * Experience working with automation frameworks such as SaltStack and/or Ansible

    * Proven network debugging and problem solving skills

    * Experience with optical transport technologies such as CWDM/DWDM

    * Ability to prioritise when faced with high pressure scenarios

    Examples of desirable skills, knowledge and experience

    * Experience working in multivendor EVPN and VXLAN environments

    * Good working knowledge of NX-OS and EOS

    * Professional level network certification(s) (JNCIP , CCNP , etc) or higher

    * Experience working on service provider or content networks

    * Linux system administration

    * Coding experience

    * Multilingual

    What Makes Cloudflare Special*

    We re not just a highly ambitious, large-scale technology company. We re a highly ambitious, large-scale technology company with a soul. Fundamental to our mission to help build a better Internet is protecting the free and open Internet.

    Project Galileo: We equip politically and artistically important organizations and journalists with powerful tools to defend themselves against attacks that would otherwise censor their work, technology already used by Cloudflare s enterprise customers--at no cost.

    Project Athenian: We created Athenian Project to ensure that state and local governments have the highest level of protection and reliability for free, so that their constituents have access to election information and voter registration.

    Path Forward Partnership: Since 2016, we have partnered with Path Forward, a nonprofit organization, to create 16-week positions for mid-career professionals who want to get back to the workplace after taking time off to care for a child, parent, or loved one.

    1.1.1.1: We released 1.1.1.1 to help fix the foundation of the Internet by building a faster, more secure and privacy-centric public DNS resolver. This is available publicly for everyone to use - it is the first consumer-focused service Cloudflare has ever released. Here s the deal - we don t store client IP addresses never, ever. We will continue to abide by our privacy policy and ensure that no user data is sold to advertisers or used to target consumers.

    Sound like something you d like to be a part of* We d love to hear from you!

    Cloudflare is proud to be an equal opportunity employer. We are committed to providing equal employment opportunity for all people and place great value in both diversity and inclusiveness. All qualified applicants will be considered for employment without regard to their, or any other person's, perceived or actual race, color, religion, sex, gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship, age, physical or mental disability, medical condition, family care status, or any other basis protected by law. We are an AA/Veterans/Disabled Employer.

    Cloudflare provides reasonable accommodations to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job. Examples of reasonable accommodations include, but are not limited to, changing the application process, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you require a reasonable accommodation to apply for a job, please contact us via e-mail at hr@cloudflare.com or via mail at 101 Townsend St. San Francisco, CA 94107.
              

    Service Manager 2

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.As a service manager, you?re an integral part of the branch management team who works together to deliver an exceptional customer and? team member experience, manage risk, and support growth.? You will spend most of your time? directly assisting customers and supporting tellers in serving their customers.? As a leader, you will coach, motivate and develop your team of direct reports to achieve their full potential and meet established business objectives.Your?responsibilities include:? Lead the team and serve as a role model by providing excellent customer service including engaging customers in conversations and? building relationships with them? Serve as a leader in managing risk; accountable for alignment with applicable regulations, policy and procedure requirements, audit and escalation procedures? Lead the team to ensure customers are informed of the ways Wells Fargo can help them succeed financially, by making introductions to other branch team members and sharing digital banking options? Attract, retain and develop talent? Coach and provide feedback leveraging performance management tools and processes? Support customers in resolving or escalating concerns or complaints? Manage your team?s schedule and lead the day-to-day operations of the teller line? Work a cash drawer to directly serve customers and perform teller and lead teller dutiesThis LO position has customer contact and job duties which may include needs assessing and referring those customers interested in a dwelling secured product to a SAFE team member.? This position includes assisting customers without taking an application and without offering or negotiating terms of a dwelling secured transaction.? Individuals in a LO position also must meet the Loan Originator? requirements under Regulation Z (LO) outlined in the job expectations below.? ?As a Team Member Manager, you are expected to achieve success by leading yourself, your team, and the business. Specifically you will:??Lead your team with integrity and create an environment where your team members feel included, valued, and supported to do work that energizes them.??Accomplish management responsibilities which include sourcing and hiring talented team members, providing ongoing coaching and feedback, recognizing and developing team members, identifying and managing risks, and completing daily management tasks.

    Required Qualifications
    • 2+ years of experience assessing and meeting the needs of customers and/or helping with issue resolution
    • 2+ years of experience following policies and procedures
    • 2+ years of leadership experience including coaching, training, or mentoring

      Desired Qualifications
      • Leadership skills including the ability to build, develop, and motivate a diverse work team
      • Experience addressing and resolving complex customer issues
      • Ability to provide strong customer service while actively listening and responding in an appropriate manner
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Knowledge and understanding of retail compliance controls, risk management, and loss prevention
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Ability to interact with integrity and professionalism with customers and team members
      • Customer service, operations, or financial services management experience within a high volume, fast-paced and constantly changing environment
      • Ability to work effectively under pressure, meet deadlines, exercise independent judgment, and use critical thinking skills
      • Ability to lead a team to influence, educate, and connect customers to technology and share the value of digital banking options
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Job Expectations
        • Ability to work weekends and holidays as needed or scheduled
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

          Salary Information
          The salary range displayed below is based on a Full-time 40 hour a week schedule.

          FL-Tallahassee: Min: $32,600 Mid: $44,600


          Street Address
          FL-Tallahassee: 1701 W Tharpe St - Tallahassee, FL


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Private Mortgage Banker

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    Job Description
    Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Private Mortgage Banker.? This individual is responsible for producing high quality jumbo residential mortgage loans that meet Wells Fargo Home Mortgage guidelines by building relationships focused on affluent borrowers with realtors, builders, financial professionals, bank stores, past customers, and other non traditional sources.? Strong sales and organizational skills are essential.? Bi-lingual job seekers are encouraged to apply.??Additional duties include:
    • Develop knowledge of company products, policies and procedures, and underwriting requirements
    • Understand real estate appraisals, title reports, and real estate transactions
    • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
    • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
    • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
    • Develop and maintains a high degree of visibility for WFHM in the marketplace
    • Perform miscellaneous duties as needed and required

      Required Qualifications
      • 2+ years of sales experience in financial services, outside sales experience, or a combination of both

        Desired Qualifications
        • Basic Microsoft Office skills
        • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
        • Excellent verbal, written, and interpersonal communication skills
        • Mortgage industry experience
        • Knowledge and understanding of sales prospecting and generating referrals
        • Bilingual speaking proficiency in Spanish/English
        • Customer service experience
        • A BS/BA degree or higher
        • Experience working with ultra-high-net-worth clients

          Job Expectations
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
          • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
          • Ability to lift 20+ pounds
          • Reliable transportation
          • Ability to work nights, weekends, and/or holidays as needed or scheduled

            Street Address
            FL-Boca Raton: 975 S Federal Hwy - Boca Raton, FL
            FL-Miami: 333 Se 2nd Ave - Miami, FL
            FL-Fort Lauderdale: 350 E Las Olas Blvd - Fort Lauderdale, FL


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Personal Banker (SAFE) 1 Bismarck Main

     Cache   
    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a personal banker at Wells Fargo you will deliver exceptional customer experience, build relationships, and help consumer and small business customers succeed financially. You will engage customers in conversation and ask questions to understand what?s most important to them to allow you to provide product, service and digital options that align with their needs and help make banking easier for them.Your responsibilities include:? Building relationships with customers through proactive outreach and follow up, asking questions and learning about their financial needs? Deep knowledge of bank products and services and connecting those to customer needs? Building relationships with branch team members and partners, allowing you to work together to best serve customers? Opening new accounts, completing service requests, and submitting credit applications? Inform customers of self-service digital options and demonstrate them to customers? Helping to resolve customer concerns and escalating issues as needed? Serving as a risk leader and following policies and proceduresThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 5 weeks.? Training schedule is as follows: Monday - Friday 8:30am - 5:00pmWant to learn more about our team? Copy and paste this video URL into a new browser tab to hear what our team members are saying:https://www.youtube.com/watch?v=SDLs4Fus9D8&list=PL1wnNCsFZfFVW7aXdtLBFvYrHynSOJcL0&index=3&t=0s???

    Required Qualifications
    • 2+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Experience proactively engaging with customers through outreach via phone or email
      • Ability to influence, educate, and connect customers to technology
      • Ability to help customers succeed financially by offering introductions to additional team members as appropriate
      • Ability to meet or exceed performance objectives
      • Ability to interact with integrity and professionalism with customers and team members
      • Experience working with others on a team to meet customer needs
      • Experience fostering and developing strong customer relationships
      • Ability to build strong relationships with internal partners and customers
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Other Desired Qualifications
        ? Multilingual speakers are encouraged to apply

        Job Expectations
        • Ability to work weekends and holidays as needed or scheduled
        • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position.
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Teller 20 Hours Tustin

     Cache   
    Job Description
    Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm.

    Required Qualifications
    • 1+ year of experience interacting with people, demonstrated through work, military, or education

      Desired Qualifications
      • Customer service focus with experience handling complex transactions across multiple systems
      • Ability to influence, educate, and connect customers to technology
      • Ability to interact with integrity and professionalism with customers and team members
      • Ability to meet or exceed performance objectives
      • Experience working with others on a team to meet customer needs
      • Cash handling experience
      • Ability to follow policies, procedures, and regulations
      • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
      • Well-organized, independent and able to prioritize in a fast paced environment
      • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
      • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
      • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
      • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

        Other Desired Qualifications
        ? Multilingual speakers are encouraged to apply???

        Job Expectations
        • Ability to stand for extended periods of time
        • Ability to work weekends and holidays as needed or scheduled

          Street Address
          CA-Tustin: 2677 Park Ave - Tustin, CA


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.
              

    Discrepancies in 2020 budget curious —Rep

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    Tribune Online

    Discrepancies in 2020 budget curious —Rep


    budget, Ilaje Odo

    Honourable Kolade Akinjo, member represented Ilaje Odo federal constituency of Ondo State in this interview by KEHINDE AKINTOLA, bears his mind on issues bothering on abandoned projects in the 2019 Appropriation Act,the newly introduced line items christened ongoing projects and the planned refund of N26.9 billion on the aborted privatised Yola Disco.


     


    ONE of the primary functions of the legislature is appropriation. In the engagement with the Ministries, Departments and Agencies (MDAs) so far, can you say you have been critical enough to ensure that resources not well appropriated are readjusted, so as to disabuse the minds of Nigerians who perceive the National Assembly as a mere rubber stamp?


    The power of the purse led and resides constitutionally with the National Assembly because this country functions on constitutionalism and the grand norm is the 1999 Constitution. So, it’s constitutionally positioned to ensure that there’s a balanced proposal between the executive and the legislature; it is very important. Something fundamental that we discovered as representatives of the people in the current budget is that so many projects were christened, classified or named as ongoing, whereas those projects are not ongoing; they are fresh projects. How do you put into a budget that  the president came to read on the floor of the National Assembly projects that are not yet conceptualised and you call it an ongoing project? That is quite misleading. When you say a project is ongoing, then it means you are also supposed to bring about 90 per cent of the project is 2019 to 2020. That was never done. They left out almost all the ongoing projects of 2019 not captured in 2020 and they named new projects as if they are ongoing projects. That again is an infraction on the law of the budget.


    Many of the ministries are doing what I call financial calamity; infrastructure imbroglio and it’s really disturbing. So if we are not working as parliamentarians, we wouldn’t have discovered this. And that is not good and not healthy for the economy of the country. And I think the president just has been misled. So, we as a people representing the people owe it a duty to ensure that we fix the gap, ensure that the 2019 ongoing projects are captured. For instance, the project that was in the Ministry of Niger Delta is an ongoing project but it did not reflect so; new projects were made to be seen as ongoing projects, amounting to N500 million, N200 million and N1 billion for projects that are new in the ministry. So, what we need to do as parliamentarians is to go back to 2019; check all the ongoing projects and see whether they are there, but they are not there. If a project that we have in 2019 that ought to be ongoing in 2020 are not there and you brought a fresh project and said they are ongoing, then it’s quite misleading.


    Why 3 p.m. is best time for couples to make love — Hormone experts


    To what extent are you satisfied with the performance of the MDAs during the 2020  budget defence?


    By my own understanding of what the budget is as at the time President Buhari presented the budget, I think it’s a  welcome development. The president presented the budget early so that we can work on it between the windows available to us to pass the budget as at when due so that Nigerians can begin to feel the impact of the budget from  January 1, 2020. And the receipt of the budget by the parliamentarians also was a welcome devel the law behind the budget is and the purpose of creating it, a law is created to tackle a purpose.


    The budget is an aspect of our law to tackle the problem of our people from the sociological perspective of law-making.  So, the question is, what is the success index of the budget 2019, vis-a-vis, tackling the challenges of our people? Well,  it’s clear that we’ve not been able to increase the capital disposition of the budget for more than 30 per cent, and that’s a far cry from what is expected that the budget should be implemented close to about 100 per cent. So, this is just barely 30 to 40 per cent of the capital outlay for 2019.


    Then, how do we reconcile that with tackling the challenges of our people, which is the budget is set to achieve? If you rate that visa-vis the performance, you will want to say that nothing extraordinary has been done, especially when you look at the debt servicing profile of the budget which took about N3 trillion of the 2018 budget. The recurrent profile of that budget is about N4 trillion; the total budget is about N8 trillion. Then, what do you say about that when you use the better part of the budget to service recurrent, to service debt and then the little part goes to capital? That is why our roads are in bad shape.


    Yet, we use the better part of the money to service insecurity in the north-eastern part of the country. So, you don’t see many funds going into healthcare; you don’t see so much investment going into social solidarity and social responsibility. That is why the country is just going round and round.


    And don’t forget that part of the money will be filtered away by some elements through corruption here and there. So, what do we see from 2019 to 2020? What do you expect from a government that has not really shown enough capacity to what I call creative and social engineering?


    How does the budget work for our people? Nothing extraordinary has been done so far. What is going on is funny to me. You want to return some money to the Yola Disco, about N25 billion. There are some aspects in the 2020 budget that is good. For instance, I saw so much money going into the pension. Of course, when you work for a  country that is driven by social orientation for 35 years, you will want to ensure that you pay their pension.


    So, I saw that being captured reasonably and that will be a good one if we can get money to service it. But come to think of it, if I  get just N250 billion assigned to tackle infrastructure and then our infrastructural need is between N1 trillion and N3 trillion, that shows you have to continue to service old roads. However,  before their completion, those roads are  already bad again. So how do you reconcile that situation?


    We depend on just those old roads; we don’t have the rail working effectively. The inland waterways are not working effectively. The budget is not about the people in the Presidential Villa or the Presidency. The situation is not that those in charge don’t know the problems of the country. I  think the problem is that they are just being overwhelmed.


    They don’t get creative enough to understand how to resolve the problems. So, it’s disturbing when you see a budget not really critically tackling those issues. If it is one road we can fix in the whole nation, we can devout the entire money to it but all the roads are almost in a state of dilapidation. So, I think there’s the need for us to be more creative in our approach to whatever money we are allocating to the challenges and then, we’ll begin to track whether we are making progress along that line.


     


    This is a festive season and you’re talking about the roads. What do you think the government should do?


    There is usually medium and long-term approaches. The approach should be in form of palliatives now since we can’t fix the entire road and people will be crisscrossing the country. And maybe, there’s need to empower and enable the  Federal Road Maintenance Agency (FERMA) to look at those critical areas to at least patch them in the interim because of the challenges of traversing the country during the festive period. This is also because we know that the festive period will come even from January when we have our budget running to do something that can show that there is an element of government and governance in terms of responsibility. Of course, don’t forget that the money we are also spending is the taxpayer’s money; return something back to them to make it look as if democracy is working.


     


    Nigerian Tribune


    Discrepancies in 2020 budget curious —Rep

    Tribune Online


    Source: https://tribuneonlineng.com/discrepancies-in-2020-budget-curious-rep/
              

    Global Connected Enterprise Market 2018-2025, Latest Trends, CAGR Status, Growth, Analysis and Forecast | Key Players IBM Corporation, Rockwell Automation, Inc.,Honeywell International, Inc.,

     Cache   
    Grand View Research, Inc. – Market Research And Consulting The connected enterprise market size is expected to reach USD 1.94 trillion by 2025. The increasing need for automation and proliferation
              

    Connected Enterprise Market Is Likely To Reach $1.94 Trillion By 2025: Grand View Research, Inc.

     Cache   
    Grand View Research, Inc. – Market Research And Consulting. According to report published by Grand View Research,The increasing need for automation and proliferation of connected devices is providing new growth
              

    Fight inequality, beat poverty

     Cache   
    Fight inequality, beat poverty Anonymous (not verified) Fri, 08/23/2019 - 14:25

    Did you know that 1% now own more than the rest of us combined? Inequality is growing around the world. Every year, the gap between rich and poor gets even wider.

    Such extreme inequality is standing in the way of ending global poverty. It's widening other inequalities like the gap between women and men. Our economy must stop excessively rewarding those at the top and start working for all people.

    It doesn’t have to be this way – together we can even things up.

    We can challenge the concentration of wealth and power in the hands of the few. We can change the rules on tax to make sure the richest pay their fair share. We can demand more spending on public health and education. We can demand fair wages for everyone. We can make sure the poorest have a voice, and those voices are heard by those in power.

    Extreme poverty was halved in just 15 years. We can be the generation that ends it for good.

    extreme inequality economic inequality poverty fight poverty richest 1%
    The Paraisópolis favela borders the affluent district of Morumbi in São Paulo, Brazil (2008). Photo: Tuca Vieira
    The Paraisópolis favela borders the affluent district of Morumbi in São Paulo, Brazil (2008). Photo: Tuca Vieira

    Did you know that 1% now own more than the rest of us combined? Every year, the gap between rich and poor gets even wider – standing in the way of ending global poverty. It is time to bring an end to inequality and overcome poverty for good. Join us and take action.

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    Other: Teller 20 Hours Tustin - Tustin, California

     Cache   
    Job Description Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm. Required Qualifications 1+ year of experience interacting with people, demonstrated through work, military, or education Desired Qualifications Customer service focus with experience handling complex transactions across multiple systems Ability to influence, educate, and connect customers to technology Ability to interact with integrity and professionalism with customers and team members Ability to meet or exceed performance objectives Experience working with others on a team to meet customer needs Cash handling experience Ability to follow policies, procedures, and regulations Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss Well-organized, independent and able to prioritize in a fast paced environment Ability to exercise judgment, raise questions to management, and adhere to policy guidelines Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting Other Desired Qualifications ? Multilingual speakers are encouraged to apply??? Job Expectations Ability to stand for extended periods of time Ability to work weekends and holidays as needed or scheduled Street Address CA-Tustin: 2677 Park Ave - Tustin, CA Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    Top AI Stocks: This Trillion-Dollar Industry Has Investors Excited for the Future

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    Top AI Stocks
    The technology sector is almost always a "hurry up and wait"' game. Companies on the cutting edge of tech relentlessly pour years and cash into research and development, with eyes keenly focused on the long game.

    When it all comes to fruition with a truly breakthrough, innovative product, tech stocks can be among the most lucrative around. And that is very much the case with the top AI stocks.

    A recent spat between Alphabet Inc (NASDAQ:GOOG) and IBM (NYSE:IBM) illustrates that the race for AI stock supremacy is getting heated.

    Before we get into the GOOG stock vs. IBM stock fight, let's take a broader look at the AI.

    The post Top AI Stocks: This Trillion-Dollar Industry Has Investors Excited for the Future appeared first on Profit Confidential.


              

    Saudi Aramco IPO: Profit Drop, Scant Details And Low Oil Prices Flatten $2T Valuation Talk

     Cache   
    When the idea of a public float for Saudi Arabia’s state-owned oil behemoth Aramco was first suggested by the kingdom's Crown Prince Mohammed bin Salman in 2016, it was dubbed the "mother of initial public offerings (IPOs)" with fancy chatter of a $2 trillion valuation via domestic and international listings. Over three years and several delays later, with an international listing firmly parked for the moment, the Saudi Aramco IPO is finally upon the market via a domestic listing on the
              

    Other: Teller 20 Hours Tustin - Tustin, California

     Cache   
    Job Description Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm. Required Qualifications 1+ year of experience interacting with people, demonstrated through work, military, or education Desired Qualifications Customer service focus with experience handling complex transactions across multiple systems Ability to influence, educate, and connect customers to technology Ability to interact with integrity and professionalism with customers and team members Ability to meet or exceed performance objectives Experience working with others on a team to meet customer needs Cash handling experience Ability to follow policies, procedures, and regulations Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss Well-organized, independent and able to prioritize in a fast paced environment Ability to exercise judgment, raise questions to management, and adhere to policy guidelines Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting Other Desired Qualifications ? Multilingual speakers are encouraged to apply??? Job Expectations Ability to stand for extended periods of time Ability to work weekends and holidays as needed or scheduled Street Address CA-Tustin: 2677 Park Ave - Tustin, CA Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    Business Control Manager, Vice President | State Street Global Advisors.

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    Dublin, Ireland, State Street Global Advisors (SSGA) is a global leader in institutional asset management, entrusted with more than $2.4 trillion in assets. For more than three decades, sophisticated investors worldw
              

    Corporate Control Management - Data Analytics & Visualization - Associate | J.P.Morgan

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    Houston, Texas, JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $2.5 trillion and operations worldwide. The firm is a leader in investment banking, financial services for
              

    Comment on Warren unveils health plan: $20 trillion, no middle class tax hike by RE

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    Where to begin? The projected cost is too low, the projected revenue is too low, and Warren apparently learned nothing from the failure called Obamacare. No, we did NOT save $2,500. No we could NOT keep our doctor, and could NOT keep our plan. Maybe if Warren and Congress hadn't exempted themselves they'd know this! More government bureaucracy is the wrong way to go, on so many levels. Shame on anyone who supports this fiasco.
              

    Senior Technology Specialist | Wells Fargo

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    Hyderabad, India, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel
              

    Senior Technology Specialist | Wells Fargo

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    Hyderabad, India, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel
              

    Senior Technology Specialist | Wells Fargo

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    Hyderabad, India, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel
              

    Senior Technology Specialist | Wells Fargo

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    Hyderabad, India, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel
              

    Student loan debt: Strategies to pay it off faster, smarter

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    Americans have accumulated more than $1 trillion in student loan debts. Are there strategies to pay it off more efficiently?
           

              

    Monday ~ thefrontpagecover

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    Monday Top News Executive Summary Media Editors:  Above the Fold HISTORIC DEBT: Federal government debt surpasses $23 trillion for first time as annual deficits once again near $1 trillion (The Hill) AND YOU THINK THE DEBT’S BAD NOW… In empty warning, liar-Nancy Pelosi claims she’s worried 2020 candidates are on wrong track with healthcare and wealth-tax rackets (Bloomberg) Government…
              

    The Bidens – And DC Swamp Contracting: Trump Drains – And the Swamp Strikes Back

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    Donald Trump ran for the presidency in no small part – on his promise to Drain the Swamp. Business-as-usual in DC – has for decades been demonstrably and acceleratingly awful. As the federal government grew to the current $4.5-trillion-per year monstrous monstrosity – the cronyism and dirty-dealing grew right along with it. Crony companies know…
              

    Wealth Management - Latin America Private Bank - Banker - Executive Director - New York, NY | J.P.Morgan

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    New York, New York, JP Morgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of more than $2 trillion and operations in more than 60 countries. We serve millions of U.S. consumers and ma
              

    Wealth Management - Latin America Private Bank - Banker, Mexico Team - Executive Director | J.P.Morgan

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    New York, New York, JP Morgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of more than $2 trillion and operations in more than 60 countries. We serve millions of U.S. consumers and ma
              

    Wealth Management - Private Bank - Market Team Lead - Executive Director - Dallas, TX | J.P.Morgan

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    Dallas, Texas, JPMorgan Chase & Co .is a leading global financial services firm with assets of more than $2.7trillion, over 240,000 employees and operations in over 60 countries. Itoperates across four business seg
              

    Party Reference Data Analyst | J.P.Morgan

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    Singapore, Singapore, JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $2 trillion and operations in more than 60 countries. The firm is a leader in investment banking, financial
              

    Announcements & Releases for November 6, 2019

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    LendIt Fintech Europe 2019 Slide Presentations Now Live $11 trillion U.S. mortgage market has a shadowy new player Papaya Global Raises $45M in Series A Funding Brex And Bank Of The West Team On Co-Branded Credit Card Mylo raises $10M Brokerage firm pursuing Utah industrial bank charter Growth Street to make redundancies as axes “hybrid […]
              

    Other: Private Mortgage Banker - Fort Lauderdale, Florida

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    Job Description Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Private Mortgage Banker.? This individual is responsible for producing high quality jumbo residential mortgage loans that meet Wells Fargo Home Mortgage guidelines by building relationships focused on affluent borrowers with realtors, builders, financial professionals, bank stores, past customers, and other non traditional sources.? Strong sales and organizational skills are essential.? Bi-lingual job seekers are encouraged to apply.??Additional duties include: Develop knowledge of company products, policies and procedures, and underwriting requirements Understand real estate appraisals, title reports, and real estate transactions Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in Develop and maintains a high degree of visibility for WFHM in the marketplace Perform miscellaneous duties as needed and required Required Qualifications 2+ years of sales experience in financial services, outside sales experience, or a combination of both Desired Qualifications Basic Microsoft Office skills Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources Excellent verbal, written, and interpersonal communication skills Mortgage industry experience Knowledge and understanding of sales prospecting and generating referrals Bilingual speaking proficiency in Spanish/English Customer service experience A BS/BA degree or higher Experience working with ultra-high-net-worth clients Job Expectations This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary. This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents. Ability to lift 20+ pounds Reliable transportation Ability to work nights, weekends, and/or holidays as needed or scheduled Street Address FL-Boca Raton: 975 S Federal Hwy - Boca Raton, FL FL-Miami: 333 Se 2nd Ave - Miami, FL FL-Fort Lauderdale: 350 E Las Olas Blvd - Fort Lauderdale, FL Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    Green jobs now employ 10x more people than fossil fuel

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    • The United States green economy now employs 10 times more people than the fossil fuel industry, providing nearly 9.5 million jobs.
    • In the face of a global climate catastrophe, the green economy is destined to keep rising at an exponential rate over the next decade.
    • Rather than seize this golden economic opportunity, the Trump administration has promised to protect coal and mining jobs while eviscerating funds from green energy.


    None


    According to a pair of economic researchers in the United Kingdom, the United States green economy now employs 10 times more people than the fossil fuel industry.

    And that isn't to say that the fossil fuel industry hasn't been growing. In fact, from 2015 to 2016, the fossil fuels industry, which includes coal, oil, and natural gas, employed approximately 900,000 people in the U.S. according to government figures. But the two British researchers — they are based at University College London — found that over the same period this was eclipsed by the green economy, which actually provided nearly 9.5 million jobs.

    That's 4 percent of the population of working age individuals.

    The Rise of the ‘Green Economy’


    Because the green economy is so dispersed, figures detailing green job statistics have probably underestimated how many jobs that sector was creating.

    In this study, the researchers calculations accounted for 26 sub-sectors. These included marine pollution regulators, carbon capture, biodiversity, wind and solar power, and air pollution. The analysis showed that the green economy is worth a total of $1.3 trillion, contributing to a substantial chunk — 7 percent — of the U.S. GDP.

    As nation's find themselves under increasing pressure to rapidly shift away from fossil fuels to renewable energy in order to avoid 1.5°C global warming and meet the emissions standards set forth in the Paris Agreement, it's looking like the green economy is destined to keep rising at an exponential rate over the next decade. As the world heats up, so does the market demand for green energy and technology.

    Already, renewable energy accounts for 15 percent of our total electricity generation according to the United States Energy Information Administration. Investments in renewable energy are proliferating, and even places once known as petroleum meccas are being yanked into the tides of change. For instance, Texas now attributes a portion of its energy production to renewable resources. Some researchers are even predicting that the world will be ready to go 100 percent renewable by the year 2050.

    Some say that we have the technology to do it right now. For example, a new study published in September made an extraordinary finding: Maximizing onshore wind energy potential in Europe could power the entire continent via wind farms up to 100 times over. That's enough to power the whole world until 2050.

    All around the world transitions to green energy are being made. Kenya, on a mission to go totally emission-free by 2020, recently began one of Africa's largest wind power farms. Over in the Middle East, the United Arab Emirates just launched one of the world's largest solar farms while Saudi Arabia is said to be working on a solar farm.

    Meanwhile, the fossil fuel empire has faltered. Once the safest bet on the market, the industry is now an increasingly floundering enterprise. According to the Guardian in 2018, researchers at the Institute for Energy Economics and Financial Analysis claimed that the industry was the weakest it's been in decades.

    Losing Economic Opportunity


    Of course, if you're someone who believes the bulk of scientific evidence telling us that fossil fuels contribute to rising CO2 emissions that threaten human life on earth, investing in the green economy goes beyond numbers and dollar signs. It means investing in public health, national security and the existence of the next generation. But according to the researchers at University College London who conducted this latest study, the investment in the green economy is a good economic choice as well.

    "If you want to be a hard-nosed neoliberal economist you would say, 'Let's support the green economy as much as possible," Mark Maslin, one of the researchers, told New Scientist. He also noted that the Trump Administration's plan to promote fossil fuels was "stupid when it comes to economics."

    Rather than seize this golden economic opportunity, the Trump administration has promised to protect coal and mining jobs while eviscerating funds from green energy. Considering the math, this is an economically misguided move.

    According to the researchers, this research demonstrates how other countries could tap into a huge source of potential to develop their own green economies. Their findings suggest that the U.S. is at risk of losing its competitive edge in the global economy if it doesn't work to better develop energy, environmental and educational policies to support its green economy.

    In other words, despite what the president has harped at, the "America First Energy Policy" is looking to be a bad deal for the United States.
              

    Other: Teller 20 Hours Tustin - Tustin, California

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    Job Description Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm. Required Qualifications 1+ year of experience interacting with people, demonstrated through work, military, or education Desired Qualifications Customer service focus with experience handling complex transactions across multiple systems Ability to influence, educate, and connect customers to technology Ability to interact with integrity and professionalism with customers and team members Ability to meet or exceed performance objectives Experience working with others on a team to meet customer needs Cash handling experience Ability to follow policies, procedures, and regulations Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss Well-organized, independent and able to prioritize in a fast paced environment Ability to exercise judgment, raise questions to management, and adhere to policy guidelines Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting Other Desired Qualifications ? Multilingual speakers are encouraged to apply??? Job Expectations Ability to stand for extended periods of time Ability to work weekends and holidays as needed or scheduled Street Address CA-Tustin: 2677 Park Ave - Tustin, CA Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    Your Gut and Your Health

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    Bottom Line: Bacteria is something we are trained to from childhood, but the truth is that our bodies are filled with trillions of bacteria that help play an essential role in
              

    The Payments Transformation Race - who's winning?

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    The world of payments is going to be fundamentally transformed within the next 5 years. McKinsey & Co. have reported that payments will become a $2 trillion business by 2020 and potentially $3 trillion by 2025. Payments will be reshaped by technology and redefined by regulation, and most importantly, payments will be refocused from a commoditised proposition to a strategic, value-adding solution. There is no doubt that banks who have a clear and robust payments transformation plan will be more profitable than their competitors, widening the gap between the winner and losers in the transformation race. However, according to recent research by financial technology company Icon Solutions and consultancy firm Aite Group, The Payments Transformation Race: Criteria for Success 63% of top tier banks are reporting that they are either close to or below profitability hurdles for payments. So how can banks may sure they have a slice of the pie? The true success of a payments transformation effort is not immediately measurable so how do institutions reconcile themselves with a longer term pay off? Are there any quick wins that can help showcase return on investment? During this webinar we will take stock of the state of play today, paint a picture of the future of payments, identify key developments already underway and examine what is needed from market participants. Key insights will be shared from the research as well as on-the-ground perspectives from banks undergoing their own payments transformation program.
              

    Other: Compliance Consultant 4 - Equity Derivatives Compliance Officer - New York, New York

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    Job Description Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.?Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.?Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.The compliance consultant will be responsible for managing compliance risk, conducting surveillance, developing infrastructure and providing advisory support to the line of business (LOB) for all aspects of the regulatory and reputation risk in relevant product areas.? LOB activities include listed options sales and trading, corporate derivatives origination, structured products sales, trading and origination, convertible bond sales and trading, and over-the-counter derivatives.?Responsibilities include: Reviewing exception based surveillance reports to assess compliance with securities rules and regulations and Firm policies. Examples of relevant rules include but are not limited to Regulation SHO, FINRA and listed options order handling rules, Regulation NMS, trading ahead of market events, LOPR, option position limits, SEC Rule 15c3-5, trade reporting and frontrunning. Provide real-time advisory services to covered business units. Develop and implement compliance programs to enable LOB management to demonstrate to regulators the firm?s compliance with FINRA, SRO and SEC regulations.?? Create and foster strong working relationships with other business support partners such as Legal, Operations, and Technology, and liaise with compliance teams working at affiliated entities.? Identify and advise on potential conflicts of interest and provide necessary interpretive guidance to senior business leadership. Assist in the review of new products and initiatives. Review sales communications and marketing materials. Draft compliance policies and procedures. Provide compliance training to relevant staff. Maintain LOB surveillance and supervisory infrastructures.? Required Qualifications 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both 3+ years of derivatives experience Desired Qualifications Advanced Microsoft Office skills Excellent verbal, written, and interpersonal communication skills Strong analytical skills with high attention to detail and accuracy Ability to interact with all levels of an organization Other Desired Qualifications Strong product knowledge of listed and over-the-counter equity derivatives. Strong understanding of the rules of main US options and stock exchanges. Experience working within a trading environment Must demonstrate flexibility, sound judgment, problem solving and analytical capabilities, and the ability to multi-task. The ability to clearly communicate regulatory guidance in a fast paced environment to all levels of associates, including senior management. Ability to analyze detailed, complex securities regulations and transactions ? Street Address NY-New York: 375 Park Ave - New York, NY Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    USA | Jagt den Klimaleugner aus dem Weißen Haus!

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    Der nächste Präsident muss dem Pariser Klimaabkommen wieder beitreten und der Welt zeigen, dass die USA bereit sind, beim Klimaschutz eine führende Rolle zu übernehmen
    Jagt den Klimaleugner aus dem Weißen Haus!

    Präsident Trump hat sein verhängnisvolles Versprechen, die Vereinigten Staaten aus dem Pariser Klimaabkommen herauszuholen, nun erfüllt. Dieses Abkommen ist das Ergebnis jahrzehntelanger Arbeit sowohl demokratischer als auch republikanischer Regierungen, um ein gemeinsames Ziel zu erreichen: alle Länder der Welt zusammenzubringen, um die Klimakrise, die existenzielle Bedrohung unserer Zeit, zu bewältigen.

    Trump überraschte niemanden mit seiner Entscheidung, sich aus dem Abkommen zurückzuziehen. Es ist eine weitere rücksichtslose Entscheidung im Einklang mit seinen bisherigen Bemühungen, unsere Umweltgesetze, die seit Jahrzehnten unser Wasser und unsere Luft sauber halten, zurückzunehmen. Das schmälert nicht die Ausmaße seines letzten Vorstoßes. Trump gibt nicht nur die amerikanische Führung im Kampf gegen den Klimawandel an einem kritischen Punkt ab, sondern verschenkt auch amerikanische Arbeitsplätze in der sauberen Energiewirtschaft der Zukunft – und verzichtet auf die größte wirtschaftliche Chance unserer Zeit.

    Die Wissenschaft ist sich einig: Die Kosten des Klimawandels sind noch höher, als wir dachten. In der Tat, ein Bericht, der letztes Jahr von Trumps eigener Regierung veröffentlicht wurde, ergab, dass der Klimawandel bis zum Ende des Jahrhunderts die amerikanische Wirtschaft jedes Jahr Hunderte von Milliarden Dollar und Tausende von Menschenleben kosten wird. In den USA spüren wir bereits die Auswirkungen der Untätigkeit – stärkere Waldbrände in Kalifornien, Rekordüberflutungen im Mittleren Westen und verheerende Hurrikans von Houston bis New Orleans. Die globalen Risiken sind noch größer: Der Klimawandel lässt bereits instabile Regierungen noch instabiler werden, schürt internationale Konflikte und schafft Klimaflüchtlinge auf der ganzen Welt. Darüber hinaus breiten sich Krankheiten in neue Teile der Welt aus und kosten immer mehr Menschenleben. Von Jahr zu Jahr richtet die Klimakrise mehr Unheil an.

    Doch anstatt Menschenleben zu schützen und gut bezahlte Arbeitsplätze zu schaffen, haben wir die Klimapolitik in Washington von großen Ölkonzernen bestimmen lassen. Diese Unternehmen haben drei Jahrzehnte lang die Öffentlichkeit im Hinblick auf die Klimakrise getäuscht sowie Lügen und Fehlinformationen durch ihre Lobbyisten verbreitet. Mit Donald Trump im Weißen Haus haben sie jetzt einen Klimaverweigerer an der Spitze.

    Wir scheuen nicht den Kampf

    Präsident Trump hausiert weiterhin mit Lügen über die Klimakrise, während er große Umweltverschmutzer wieder dazu bringt, unsere Luft und unser Wasser zu vergiften. Er behauptet zu Unrecht, dass die Einhaltung des Pariser Abkommens die Amerikaner „Milliarden Dollar kosten und Millionen von Arbeitsplätzen gefährden“ würde, „ohne dass eine sinnvolle Reduzierung der Emissionen stattfinden“ würde. Nichts könnte weiter von der Wahrheit entfernt sein. Die Weltbank schätzt, dass das Pariser Abkommen in den nächsten zehn Jahren eine Investitionsmöglichkeit von 23 Milliarden US-Dollar in den 20 wichtigsten Entwicklungsländern geschaffen hat. Da sich diese Länder in Richtung 100 Prozent sauberer Energie bewegen und andere Länder der Welt es ihnen gleich tun, werden die Märkte für Amerikas Innovationen im Bereich der sauberen Energien weiter wachsen.

    Mein Green Manufacturing Plan wird die Entwicklung sauberer Energien hier in den Vereinigten Staaten vorantreiben. Mit Investitionen von zwei Milliarden Dollar, um saubere Energien im In- und Ausland zu fördern, und gleichzeitig Millionen neuer, gut bezahlter Arbeitsplätze schaffen. Und mein Green Marshall Plan würde Ländern im Ausland unmittelbar helfen, saubere Energieprodukte aus den USA zu kaufen, was die Märkte für umweltfreundliche Produktion weiter vergrößern würde.

    Die nächste Präsidentin der USA muss dem Pariser Abkommen wieder beitreten, doch das allein reicht nicht. Sie muss der Welt zeigen, dass die Vereinigten Staaten bereit sind, auf der internationalen Bühne wieder eine Führungsrolle zu übernehmen. Der erste Schritt besteht darin, eine neue Verpflichtungserklärung der USA im Rahmen von Paris einzureichen, mit der wir unser bisheriges Ziel – eine schnelle Emissionsreduzierung – erhöhen. Ich habe einen Plan dafür. Als nächstes müssen wir andere Nationen wie China und Indien dazu ermutigen, diesen Kampf mit uns zu führen. Und der Klimaschutz muss ein wichtiges Prinzip in der amerikanischen Diplomatie sein. Das bedeutet: Egal ob es sich um die Aushandlung neuer Handelsabkommen oder die Bewältigung von Sicherheitsbedrohungen handelt – meine Regierung würde die Auswirkungen des Klimawandels berücksichtigen, wenn wir außenpolitische Entscheidungen treffen.

    Die Welt steht vor einer der größten Bedrohungen, denen wir je begegnet sind. Aber US-Amerikaner entziehen sich keinem Kampf. Wir führen ihn an. Im November 2020 wird nicht nur Donald Trump zur Abstimmung stehen, sondern auch die Chance, die amerikanische Klimaführerschaft für eine sicherere, sauberere, sicherere und wohlhabendere Zukunft zu erneuern.

    Elizabeth Warren ist US-Senatorin in Massachusetts und tritt in der Vorwahl der Demokraten für die Präsidentschaftskandidatur an

    Lesen Sie mehr in der aktuellen Ausgabe des Freitag.


              

    If you consider the 'Pi' constant too obvious, I gotcha covered.

     Cache   

    I read this article over lunch today, which, as a wannabe not really math guy, I found fascinating:

     

    https://fivethirtyeight.com/features/even-after-22-trillion-digits-were-still-no-closer-to-the-end-of-pi/

     

    Within the article, they listed a formula by some joker named Ramanujan that has assisted in the calculation of trillions of digits of Pi:

     

    wtf.png

     

    My reactions upon seeing this formula:

    Reaction #1: say wut

    Reaction #2: no seriously, wtf

    Reaction #3: There is no way that works, I gotta try it

     

    So I wrote a VI (attached below, saved in LabVIEW 2014) to make sure a world-renowned mathematician wasn't just screwing with us:

    ram.png

    Turns out we only need three terms of the summation to reach the limits of the precision of the EXT type, which I found pretty funny.

     

    All this to say, if you pride yourself on obfuscated code (which, believe it or not, some developers actually do), say hello to the new face of 'Pi' in LabVIEW!


              

    16 Tips for Shopping Cart Recovery Email

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    With the global average cart abandonment rate ranges between 60 and 75%, trillions of dollars of merchandise will be left behind this year. However, 63% of abandoned carts (Barilliance) are potentially recoverable with cart...

    The post 16 Tips for Shopping Cart Recovery Email appeared first on Ecommerce Illustrated.


              

    economic news of india - world economic news - economics news for students - indian economy news

     Cache   

    economic news of india - world economic news - economics news for students - indian economy news


    AGR judgement may hit any company with a telecom licence

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    NEW DELHI: The impact of the Supreme Court order on the definition of adjusted gross revenue (AGR) may not be restricted to telecom companies. It could also have an impact on any entity that has taken telecom service licence, such as internet service providers (ISPs), satellite communications providers, cable operators and even companies in the power, steel and railways sector, said legal experts and industry executives, making them liable to pay AGR-based dues.People familiar with the matter said that the Department of Telecommunications (DoT) is examining the wider ambit of the apex court's judgement, which backed the government's stance of including non-core revenue under AGR. Discussions have started on whether the DoT can send demand notices to such companies. Under the Supreme Court order, telecom companies may need to pay over Rs 1.3 lakh crore in three months in AGR-based dues."A licence which has the words 'gross revenue,' be it ISP or telecom or any other similar licence, will have to share a part of its gross revenue with the government, by applying the principles of the SC judgement," said senior advocate Gopal Jain. "DoT's argument in the telecom case was that gross revenue would include income and revenue from all streams." Telcos pay licence fee to the government on the basis of AGR.About 40 Licence HoldersDoT could demand licence fees, interest, penalties and interest on penalties from about 40 licence holders. A rough calculation puts this amount at more than Rs 94,000 crore in dues over the past five years and more than Rs 2.8 lakh crore for the past decade, including interest and penalties, an executive added.This could have a broader impact amid slowing economic growth."The ruling may have wider impact including a domino or cascading effect, given the fragile state of the economy," Jain said. "Key sectors must be strengthened that will give a fillip and a boost. Economic sentiment is crucial at this juncture and it is important that industry is in a position to raise resources and discharge debt, so that (they) fire on all cylinders as India is looking to grow to become a $5 trillion economy."In its October 24 judgement, the Supreme Court said gross revenue for arriving at AGR would be the "total revenue of licensee company." Further, revenue arising out of non-telecom activities, with certain exceptions, will have to be included in gross revenue, which would be the total revenue of the company.As per DoT's website, about 40 entities in power, steel, metro rail, oil and gas, cable television and other sectors have taken licences to provide national long distance (NLD), international long distance (INLD) and very small aperture terminal (VSAT) services, as well as a unified licence, which includes all of these categories and more.All of them could be liable to pay AGR dues even though they were not party to the case or the migration package that telecom companies like Bharti Airtel and Vodafone Idea took to move from a licence fee regime to revenue sharing in 1999.Telecom service providers such as Bharti Airtel and Vodafone Idea, party to the case since 2003, have to pay licence fees, interest, penalties and interest on penalties amounting to over Rs 92,000 crore on revenue that has accrued to them from all activities. The carriers would also have to pay spectrum usage charges (SUC) amounting to nearly Rs 41,000 crore for a period of about 16 years.The carriers have urged the government for some relief, given the sector's financial condition, with debt of over Rs 7 lakh crore amid increasing competition and eroding revenues and profits due to rock bottom tariffs. A government panel is exploring ways of providing some relief to restore the health of the sector.

    Infosys asks PwC to probe rigging charge

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    MUMBAI: Infosys has hired PwC to investigate two whistle-blower complaints alleging financial malfeasance against chief executive Salil Parekh and finance chief Nilanjan Roy, three people with direct knowledge of the matter said.The Bengaluru-based technology company has already roped in law firm Cyril Amarchand Mangaldas to look into the legal side of the complaints and asked its internal auditor, EY, to probe its revenue recognition practices. Its board on Saturday decided to carry out an investigation independent of the other two as it wanted a "fresh set of eyes" to look into the allegations, said the people.PwC's investigation would cover the contracts that Infosys entered into with some of its clients and the way it recognised revenue, they said. It has been asked to submit the report within two months. 71947565 "Initially there was a view that most people including investors and clients would see that the issue and allegations do not hold water. But looking at the impact that this has had (on stock price and reputation), many board members were of the view that a separate investigation should also be carried out," said one of the people.An Infosys spokesperson, responding to an email query, said, "We do not have any information or comment to share on the below (question) at this time." PwC did not respond to ET's query till press time Wednesday."The investigations would focus on the allegations, but the firm (PwC) is mandated to even go beyond the allegations and a broader time period, and the company's deals would be investigated," said another person in the know. "The firm has been asked to submit the report as early as possible," he said."Process review of certain contracts with customers would be carried out … This is a separate line of investigation and we want that this forensic audit (by PwC) look into revenue recognition and actually investigate contracts," said the third person.Infosys last month said an unnamed whistle blower, apparently a group of employees, had accused top executives of unethical practices. The company said its audit committee had been asked to look into the complaints and take necessary actions.The whistle-blower letter, written to the US Securities and Exchange Commission and the board of Infosys, alleged that fearing a negative impact on the share price, the CEO instigated some employees to bypass approvals in order to fetch some large deals.

    A tax notice leaves Tata Trusts hopping mad

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    MUMBAI: Tata Trusts has informed income tax authorities that it does not need exemptions to carry out charitable activities. This was stated by Tata Trusts in its submission to the tax authorities in October.Officials close to the trusts said the intent of these institutions has always been to carry out philanthropic activities, with or without tax exemptions. However, the trusts could find themselves in a precarious position if they lose the ongoing legal tussle with the I-T department, added the officials."...It is important to appreciate that in its essence the Trust was established for undertaking charitable activities. The Trust has not lost its character as a charity; it has only given up the registration. The Trust does not derive its identity as a charity from the Income Tax Act. The registration only confers certain benefits because the Trust is a charity," said the reply filed by one of the six trusts, which was reviewed by ET.71947599 On October 31, the office of the principal commissioner of income tax (Mumbai) cancelled the registration of six Tata trusts — Jamsetji Tata Trust, RD Tata Trust, Tata Education Trust, Tata Social Welfare Trust, Sarvajanik Seva Trust, and Navajbai Ratan Tata Trust — for alleged violation of the Income-Tax Act."If we are forced to pay the arrears after the long-drawn legal process, we might as well fold up. And that will be a big loss to our nation," said an official close to the trusts.Tax Dept Cited Two Main GroundsWhile the tax department has not yet sent a demand notice, sources in the Trusts said they will have to pay upfront 20% of the estimated Rs 12,000-crore tax demand before approaching the Income Tax Appellate Tribunal (ITAT). These sources added that the grounds mentioned by the Trusts while contesting the I-T notice in October will also be mentioned in the appeal before ITAT. Officials close to the development said Tata Trusts will have to sell its shares in Tata Sons to meet the potential tax liability.The Tata Trusts, chaired by Ratan Tata, is the largest shareholder in Tata Sons with 66% equity stake. The trusts include Sir Dorabji Tata Trust, Sir Ratan Tata Trust, JRD Tata Trust, RD Tata Trust, Tata Education Trust, Tata Social Welfare Trust and Sarvajanik Seva Trust. Vijay Singh, Venu Srinivasan and RK Krishna Kumar are the main trustees of these trusts.Sir Ratan Tata Trust owns 23.56% stake in the conglomerate's holding company Tata Sons, while Sir Dorabji Trust owns 27.98%.In July, the I-T department had served notices on a set of Tata trusts, seeking to reopen assessment, and questioning their decision to surrender registrations in 2015. According to Section 115 (TD) of the I-T Act, a trust whose registration has been cancelled is required to pay tax on accumulated, or 'accreted', income.The tax authorities have cited two main grounds for cancelling registrations of the trusts. One is the investments by the trusts in shares of group companies, which has been prohibited since 1971. The second is that the trusts were not functioning as per the terms of their deeds.A Tata Trust spokesperson said: "We categorically state and underscore that all our actions adhere with the Trust deeds, and are in the best interest of the Trusts. The Trusts are meant for charity, and our actions maximise our ability to perform charity. There is no violation of the deeds, there is no breach of trust."According to I-T department sources, the licences — which have been cancelled for violating the provisions of Section 115 (TD) — allow the trusts six months to file an appeal before the ITAT. "Post the expiry of the period of filing an appeal or the order in any appeal confirming the cancellation is received by the Trusts, the Trust shall be liable to pay tax on the accreted income within 14 days," states the Act.The dispute dates back to 2013, when the Comptroller and Auditor General (CAG) pointed out that Jamsetji Tata Trust and Navajbai Ratan Tata Trust had invested Rs 3,139 crore in "prohibited modes of investment". The CAG noted that the I-T department had given "irregular tax exemptions" to these trusts, resulting in loss of several crores of rupees to the exchequer.The CAG report said some of the Tata trusts held shares of Tata Consultancy Services and Tata Capital Ltd. A part of the TCS shares were subsequently divested and proceeds invested in preference shares of Tata Sons Ltd. These actions, as per the CAG, violated norms governing investments by charities.According to the persons cited above, the CAG has been writing to the tax department since 2013 seeking updates on action taken by the taxman on its findings. "Until 2015, the case was with the exemption wing (of I-T department). After the said trusts surrendered their licences, they started filing returns with the assessment wing. The newly added provision of Section 115 (TD) included in June 2016 — which allows them to claim 'accreted income' — wasn't available in 2015 when the trusts 'surrendered' their registration. However, last year, when the CAG sent another reminder, the accounts were studied and a view was taken to reopen the case," said a person privy to the developments."The I-T department's demand is based purely on the irregularities flagged off by the CAG, and subsequently mentioned by Parliament's Public Accounts Committee (PAC). It's their (the trusts') decision to stop charitable activities if they so desire. The department doesn't have a say in it," added the official, who asserted that the department will contest if Tata Trusts moves the ITAT.The Trusts have clarified on their holdings of shares of group companies: "...with reference to shares of TCS and Tata Capital held by the Trust, the provisions of Section 13(2)(h) of the I-T Act would not be applicable as these shares were received by the Trust as corpus donation and there was no investment made by the Trust."The investment in preference shares of Tata Sons Ltd was with the permission of the charity commissioner and the same were redeemed by May 2016. The proceeds from the redemption flowed into the Trusts' corpus. "Tata Sons had agreed to give the higher dividend rate specifically because the Trust is a public charitable Trust... the Trust has benefited from the investment. There is nothing to demonstrate that this investment was not in the interest of the Trust or to suggest that the Trust could have deployed its liquid funds in an alternate mode of investment which could have yielded higher return in such a short term," added the reply.Another major ground for cancellation of the registrations cited by the I-T department is the alleged violation of the Trusts' deeds. In its show-cause notice, the department said, "The trust failed to abide by its own deed as the activities of the trusts are not being carried out in accordance with the objects of the Trusts."The Tata Trusts has contested this view, saying the I-T department made general and vague allegations, and failed to specify the exact activities that were not in accordance with the objects of the Trusts. "...the proviso to clause 4 of the Trust deed does not in any way limit the power of the trustee to surrender the registration if such an act would enable the Trust to have more funds available for pursuing its charitable objectives," said the October filing by Tata Trusts."Dividend income being the main source of income of Trusts, the trustee decided in good faith to surrender the registration and claim benefit of general exemption," said the reply.

    Nilekani says even ‘God’ could not change its numbers

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    Infosys chairman Nandan Nilekani said the company's processes were very strong and that 'not even God' could change the reported numbers and that board supported the IT firm's management in executing its strategy.Last month, ET reported that whistleblowers had mailed the company's board and the US Securities and Exchange Commission alleging that the company's CEO Salil Parekh and CFO Nilanjan Roy were using aggressive accounting and hiding information from the auditors in order to boost revenue and margin. The company is being investigated by the US regulator and is facing strong criticism on its handling of the issue. Infosys has appointed Shardul Amarchand Mangaldas to investigate the claims."Infosys has strong processes, even God can't change the numbers of this company. Our finance team is feeling insulted by these allegations. But I don't want to bias the investigation," Nilekani told analysts at the company's analyst meet in Bengaluru.The whistleblowers had alleged that the company was not recognising $50 million in revenue reversals in some deals.71947609 Nilekani also allayed fears that the company's clients would hold back spending until the issue was resolved. He said Infosys had proactively reached out to customers to allay any concerns."Customers are extremely supportive. Customers have faith in Infosys and deal flow continues to be as good as ever," Nilekani said.He added that the company was doing everything to run business as usual and that he was grateful to the management for focusing on business.On Monday, Infosys said that it has not received any 'prima facie' evidence to corroborate the whistleblowers allegations of financial malfeasance against its top executives.The software exporter said its audit committee had begun consultations with the company's independent internal auditor Ernst and Young even before it retained outside investigators."Given the circumstances at this stage, where there is complete absence of prima facie evidence and the Anonymous Complaints are still under investigation, the Company is not in a position to determine the concreteness, credibility and materiality of the anonymous complaints," the company said in a statement to the National Stock Exchange on Monday evening.Infosys stock rose 3% following Nilekani's statements on the Bombay Stock Exchange.In October after the news of the whistleblowers' complaint broke, Infosys' shares had plunged over 16% to close at Rs 643.55 on October 22. In letters shared with ET, it appears that the whistleblowers have shared emails and call recordings to back their claims of financial malfeasance with the US SEC. However this additional information was not provided in the whistleblower letters addressed to the Infosys Board.Following the receipt of these anonymous complaints, the board discussed the matter during its meeting on October 11. Subsequently on October 21, it appointed law firm Shardul Amarchand Mangaldas and EY to look into the allegations. EY had already been tasked to look into the issue in the previous week.

    BYD-Olectra, Tata Motors, Ashok Leyland in fray to supply, operate 1,200 e-buses

    Posted:

    NEW DELHI: BYD-Olectra, Tata Motors, Ashok Leyland and PMI Electro Mobility Solutions are among manufacturers in the fray to supply and operate about 1,200 electric buses for different state departments, people aware of the development have said.State transport utilities have floated, or are in the process of floating, tenders for about 5,500 electric buses, and out of these bids for about 1,200 buses have been opened so far, sources said.Chinese automobile maker BYDbacked Olectra is eyeing e-bus tenders in Delhi, Uttar Pradesh, Gujarat and Odisha, and is the lone bidder in Uttarakhand and Jaipur, while top domestic player Tata Motors has bid for tenders issued by Uttar Pradesh and Gujarat, sources said.Haryana-based PMI Electro Mobility Solutions, which has a technical tieup with Chinese commercial vehicle maker Beiqi Foton Motors, is in the fray for Delhi, Uttar Pradesh, Odisha and Gujarat tenders. Ashok Leyland has bid for bus supply tender only in Gujarat, sources said.71947828 Gurgaon-based JBM Auto is also actively pursuing tenders in Delhi, Gujarat and Maharashtra, another person aware of the matter said.Some original equipment manufacturers (OEMs), however, have chosen to stay away from these tenders since they do not want to enter into the operator's segment, which some of the states are demanding from manufacturers, industry insiders said.The Centre had approved subsidy for procurement of 5,595 electric buses by various state utilities across the country under phase II of Faster Adoption and Manufacturing of Electric (& Hybrid) Vehicles (Fame).Of these, 5,095 electric buses have been sanctioned for 64 cities, 400 buses for interstate transport, and 100 buses for deployment by Delhi Metro Rail Corporation.The largest number of buses have been sanctioned for Maharashtra at 725, followed by Uttar Pradesh at 600. Gujarat and Tamil Nadu have been allocated subsidy for deployment of 550 and 525 electric buses, respectively. Cities of Delhi, Bengaluru and Ahmedabad have received accord for 300 electric buses each.Delhi has floated tenders for 100 electric buses, and Gujarat for 200 buses. Rajasthan has floated tenders for 100 buses to ply in Jaipur, the sources said.Uttar Pradesh has sought bids for 600 electric buses proposed to be deployed in Lucknow, Kanpur, Prayagraj, Agra, Varanasi, Mathura, Ghaziabad, Gorakhpur and Shahjahanpur.

    India's dependence on imports increases: Crude oil, natural gas output falls

    Posted:

    NEW DELHI: Domestic production of crude oil and natural gas has fallen by 6% and 1.5%, respectively, in the first half of the current fiscal year, further increasing dependence on imports to meet rising demand.India's oil demand growth too has slowed to 1.4% in the April-July period, compared to 3.5% in the same period last year, but a sharper decline in production has increased reliance on imports. Foreign oil made up 84.5% of the country's needs in six months to September, up from 83.3% a year earlier. Imported gas accounted for 51.2% of local needs, higher than 48.7% in the first half of last fiscal year.The government has been aiming to cut oil import dependence to 67% by 2022 but local output has been falling year after year mainly due to ageing fields and lack of major discovery. The government has introduced several policy initiatives in recent years aimed at attracting more capital and technology to the upstream sector, which in turn is expected to help raise local output. Companies too have been investing billions of dollars but country's overall output has continued to slip.Crude oil production during April-September was 16.37 million tonnes, 5.96% lower than a year earlier.ONGC, the country's largest producer of oil and gas, produced 10.25 million tonnes, 3.97% less than a year earlier. Increase in water cut in some fields, pipeline issues and other technical problems contributed to production decline at ONGC, as per the oil ministry's monthly report on oil production.Oil India's output contracted 4.24% from a year earlier to 1.61 million tonnes.Production from fields operated by private players contracted at a much faster clip, with output falling 10.74% to 4.5 million tonnes. Vedanta's Mangla, Bhagyam and Aishwarya fields in Rajasthan underperformed due to several operational issues.Natural gas output was 16 billion cubic meters, 1.5% less than in the first half of last year.ONGC's gas output fell 0.45% to 12.07 billion cubic meters due to general decline in output from ageing fields, a fire incident at Uran plant in September, and less offtake by some clients. Gas production from fields operated by private players contracted 11.22% to 2.54 billion cubic meter.

    Nifty finding multiple supports at 11,850, may head to lifetime high

    Posted:

    By Chandan TapariaNifty opened negative and drifted towards the 11,850 mark in the first half of Wednesday's session. However, it saw a sharp recovery from lower levels and extended the gains towards the psychologically important 12,000 mark.The index has been finding multiple supports near the 11,850 mark for last five sessions and as long as it holds the same, it has the potential to even head towards the lifetime high of 12,103 mark.It formed a bullish candle on the daily chart, as every dip got bought into and support levels shifted higher gradually. Nifty has been respecting the rising support trend line and it has to hold above 11,850 level to witness an up-move towards 12,000 and then 12,103 levels, while on the downside, major support is seen at 11,780 level.On the monthly options front, maximum Put open interest was at 11,600 followed by 11,500 level, while maximum Call open interest was at 12,000 followed by 11,800 levels. There was Put writing seen at 11,700 and 12,000 levels and Call writing was seen at 12,400 followed by 12,500 levels. The options data suggested a broader trading range between 11,800 and 12,200 levels.India VIX moved down 0.91 per cent to 15.77 level.Bank Nifty managed to hold the 30,000 level and witnessed a sharp recovery toward the 30,700 mark. It has been respecting the rising support trend line on the daily scale while supports remained intact to drive the next leg of rally. It formed a Bullish Engulfing kind of pattern on the daily scale, with multiple supports at 30,000 level. Now it has to hold above 30,250 level to witness an up-move towards 30,800 and then 31,250 levels, while on the downside major supports were seen at 30,000 level.Nifty futures closed positive at 12,004 level, with a gain of 0.40 per cent. Long buildup was seen in SRF, Hindalco, Colgate-Palmolive, DLF and Hexaware while shorts were seen in Titan, Chola Finance, Apollo Tyre, Bharti Infratel and CESC.(Chandan Taparia is Technical & Derivative Analyst at MOFSL. Investors are advised to consult financial advisers before taking an investment calls based on these observations)

    Mahantesh Sabarad: Don't wait to buy quality stocks on dips

    Posted:

    The momentum is coming because the worst is getting over for many of the companies and especially the good quality companies, says Mahantesh Sabarad, Head, Retail Research, SBICAP Securities. Excerpts from an interview with ETNOW. Prices have come back, but the economy is not yet back. Are markets running ahead of themselves?What we are witnessing is the phenomena of what is classically termed as the worst is over as far as the markets are concerned. That means, even if the economy is painting a little bleak picture or even if some of the corporate earnings are missing their estimates (volume numbers of automobiles are still de-growing and cement is still not so good), the markets are saying that a suitable base has been formed in terms of earnings and in terms of profitability. The market starts moving up, saying the worst is over. That is what we are classically witnessing right now. We are reaching back to the all- time highs. In fact, Sensex has already crossed the all-time high of the recent months. We believe that the worst is over for most of the companies. There will be good growth ahead for a lot of them. Have you had a chance to look at Cipla earnings? The stock has cooled off but it was a decent set of numbers. We have been looking at a whole host of pharma names on the back of earnings today.I would not look at the Cipla numbers but some of the pharma companies have reported strong numbers and this is coming on the back of the fact that we have the corporate rate reduction flowing in at the net profit level, not necessarily the PBT level. But for many of the pharma companies, the domestic environment has been relatively stronger and somewhere the US market is depending on which therapeuticals side you are in. It is a mixed bag. Some are doing well, some are not, but the common theme is that most of the pharma companies have enjoyed the tax benefit in full and that is visible in the way, some of the stocks have moved up. Eicher is up 30%, Maruti is up 35%, State Bank of India has moved from Rs 255 to Rs 310, ICICI Bank is sitting at an all time high. If a client now asks you whether you should chase the momentum now or wait for a meaningful 10-15% decline, what will you advise?No, I do not think we can look at a meaningful decline of 10-15%. Those days are now gone for the market in the near term. If at all, you have to play the momentum game. You cannot miss out the market by sitting on cash. The momentum is coming because the worst is getting over for many of the companies and especially the good quality companies. If a Maruti for example is showing a 25% volume decline in the first half of the month and is guiding for the year to be at a negative growth rate, it tells you that this year is gone is factored in. But the next year is going to be even better and many of these companies have a built-in hope because from an operational standpoint, they have not missed margins. Their margins are not low. In fact, if at all, they are guiding for better margins ahead. Financial services companies are guiding for lower slippages, lower NPAs and so on. The guidance that is coming out from some of the large companies is very strong and one has to reiterate that it is a worst is over kind of a market. What was your takeaway from the Infy conference call?It was very clear that there is no proof behind the allegations that have come from the whistleblower. That was one event which caused the stock to tank and people had the previous episode in mind when the stock tanked when you had similar allegations coming out at the time of the Panaya buy. Then, at least a certain proof was submitted, there was a whole lot of investigation and after the churn that Infosys saw in terms of corporate governance, a lot of senior management was changed. Nandan Nilekani came back again. The track record of Infosys since those days has been pretty strong, both from its business point of view and even from a corporate governance standpoint I would say because this whistleblower complaint was really speaking of a meaningless kind of complaint backed by no proof. The entire loss that Infosys suffered in terms of the stock price fall will be recovered. That recovery has not happened still, even at the current price of Rs 710 or 712. We expect Infosys to recover quite strongly.What is one of your high-risk-high-return ideas where there could be a 10% downside or maybe a 15% volatility, but your analysis is indicating that 30-40% even 50% gains are coming in the next 12 to 18 months?There is clearly one sector where we see something which you did mention is likely to happen and it is in the auto ancillary space. A lot of auto ancillary names have fallen quite sharply. The distinction we are making is that some of the auto ancillaries are global in nature and some domestic. One should look at only those which are domestic kind of auto ancillary companies that have sharply fallen down. With a large volatility and perhaps a small downside, they have the promise of delivering very good returns as we move forward. If we take a one-year or a two- year view. Many of these auto ancillaries are suppliers to the large OEMs including Maruti. You can pick names within that. We already have coverage on a small auto ancillaries like PPAP Industries which can likely do well. So this is one space. We have some other stocks where one can potentially get great numbers and this is the housing space. More houses built means more cement, more cement possibly means that you will require more coal. Right now, they are dependent on domestic coal but you will have Coal India upping its production after a phase of de-growth. When coal production goes up, there is the requirement of a certain kind of explosives. We recently met a company called Solar Industries which make explosives used by the mining companies. So, these are companies which will have solid volume growth. We are looking at companies which can have solid volume growth delivery in the next one or two years, because of a low base effect. With operating leverage coming in and margins improving, probably these companies can deliver great returns in the years ahead.

    Infosys to hire more freshers, targets $150 million in cost savings

    Posted:

    BENGALURU: Infosys is looking to cut costs by $100-$150 million this financial year, as it hires freshers to reduce employee costs and rejigs roles for middle and senior management, a top company executive said at an analyst meet.The company's margins have dropped significantly under CEO Salil Parekh, as it boosted investments to drive growth.The company is, however, now looking at greater cost savings, since a major chunk of its investments has been completed."There are 21 tracks we are looking at for cost-optimisation. We are targeting $100-$150 million in cost savings as the year goes on," chief financial officer Nilanjan Roy said on Wednesday.Roy said the firm was focused on improving the bottom-end of its pyramid, which had become more barrel-shaped, by hiring freshers.It was also looking to recreate the pyramid onsite through fresher hiring, he added.Infosys has hired 1,700 freshers in the US and Europe in the past year.Roy said the company would move to an asset-lite model for new infrastructure.Analysts said the cost optimisation plan was a routine move aimed at reducing wage costs by hiring more freshers. "Cost optimisation happens every year through one or other measure. It is not that such a saving is new. They have used wage rationalisation by hiring freshers in the past. But it is good that the company has quantified it this time and that gives a little bit of comfort in profitability," said a senior IT sector analyst with a brokerage firm.The company, however, said it had no plans for layoffs. "There is no planned layoff. We have performance reviews and people who are not performing are asked to leave. This is normal, there is no targeted layoff," chief operating officer UB Pravin Rao said.On October 11, Rao told analysts that the attrition in the second quarter for tech services — both voluntary and involuntary — was about 19.4%. "If you look at voluntary alone it is about 18%," he said.Voluntary attrition is when people leave the firm for other opportunities, while involuntary is forced.

    Infosys to hire more freshers, targets $150 million in cost savings

    Posted:

    BENGALURU: Infosys is looking to cut costs by $100-$150 million this financial year, as it hires freshers to reduce employee costs and rejigs roles for middle and senior management, a top company executive said at an analyst meet.The company's margins have dropped significantly under CEO Salil Parekh, as it boosted investments to drive growth.The company is, however, now looking at greater cost savings, since a major chunk of its investments has been completed."There are 21 tracks we are looking at for cost-optimisation. We are targeting $100-$150 million in cost savings as the year goes on," chief financial officer Nilanjan Roy said on Wednesday.Roy said the firm was focused on improving the bottom-end of its pyramid, which had become more barrel-shaped, by hiring freshers.It was also looking to recreate the pyramid onsite through fresher hiring, he added.Infosys has hired 1,700 freshers in the US and Europe in the past year.Roy said the company would move to an asset-lite model for new infrastructure.Analysts said the cost optimisation plan was a routine move aimed at reducing wage costs by hiring more freshers. "Cost optimisation happens every year through one or other measure. It is not that such a saving is new. They have used wage rationalisation by hiring freshers in the past. But it is good that the company has quantified it this time and that gives a little bit of comfort in profitability," said a senior IT sector analyst with a brokerage firm.The company, however, said it had no plans for layoffs. "There is no planned layoff. We have performance reviews and people who are not performing are asked to leave. This is normal, there is no targeted layoff," chief operating officer UB Pravin Rao said.On October 11, Rao told analysts that the attrition in the second quarter for tech services — both voluntary and involuntary — was about 19.4%. "If you look at voluntary alone it is about 18%," he said.Voluntary attrition is when people leave the firm for other opportunities, while involuntary is forced.

              

    Debating Divestment in the Faculty of Arts and Sciences

     Cache   

    A formal, docketed discussion as proponents of divestment intensify their campaign 

    Photograph of University Hall, where the Faculty of Arts and Sciences meets

    University Hall, where the Faculty of Arts and Sciences is based and holds faculty meetings
    Photograph by Kris Snibbe/Harvard Public Affairs and Communications


    University Hall, where the Faculty of Arts and Sciences is based and holds faculty meetings
    Photograph by Kris Snibbe/Harvard Public Affairs and Communications

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    Harvard Faculty of Arts and Sciences Divestment Debate
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    This afternoon, at its regularly scheduled faculty meeting—which happened to fall on the day after President Donald Trump moved formally to withdraw the United States from the Paris Agreement on climate change—the Faculty of Arts and Sciences (FAS) formally docketed “a discussion of whether Harvard’s appropriate response to the global climate and ecological crisis should include financial divestment from fossil fuel interests.” The public discussion with President Lawrence S. Bacow, long sought by faculty advocates of divesting endowment assets invested in fossil-fuel production, follows an October airing of concerns about climate change (read a detailed account here)—which was on the agenda as a more general “discussion of the global climate and ecological crisis and Harvard’s appropriate response to that crisis.” (Bacow, who normally presides at FAS meetings, was absent that day, for Rosh Hashanah.)

    The forum took place at a time of heightened activity by campus and community divestment advocates, including alumni pressuring the University to reveal its fossil-energy investments, if any, and to dispose of them—and an effort, announced this past Sunday, to put forth a slate of candidates for the Board of Overseers in the spring 2020 election who will advocate both divestment and changes in Harvard governance (see a separate report on these matters, to be published on November 6).

    The Faculty’s Forum

    Today’s discussion did not introduce a formal legislative proposal—which would, under FAS rules, have to lay over for a vote at a subsequent meeting. Instead, it provided the occasion for faculty divestment advocates to make their case, in the open, to Bacow and to former Harvard Corporation member Jessica Tuchman Mathews ’67, who was president of the Carnegie Endowment for International Peace, and was a founder of the World Resources Institute—an environmental research organization. (During Tuchman’s service on the senior governing board, from 2013 to last year, the Corporation and then-Harvard president Drew Gilpin Faust articulated their opposition to divestment. Bacow was a Corporation member then, too. Senior Fellow William F. Lee ’72, who has spoken for the Corporation in opposition to divestment, was apparently unable to attend today’s session.)

    The three docketed faculty speakers, respectively, addressed the role of individual professors and the larger institution in taking on climate change; the history of Harvard’s decisions concerning its investments and public-policy questions; and the operations of the endowment itself and the financial implications of divestment.

    They were followed by speakers from the floor, some of whom made further arguments for divestment, and some who forcefully objected to divestment—instead focusing on the faculty’s role in teaching and research, and likely (unintended) political perceptions of its advocacy of divestment. President Bacow then spoke about points of agreement, even though he disagreed with divestment as an action or as a “litmus test” for any person or institution.

    Where speakers provided their comments in advance or after delivery, they are reproduced below as prepared for delivery. Where other faculty members spoke from the floor, FAS rules require that they consent to being associated by name with quotations from or paraphrases of their remarks within the confines of faculty meetings; that consent has been sought, and when and if it is granted, the text will be updated to associate the speakers with their remarks. [Updated November 6 at 3:40 P.M. All the speakers are now identified below,with their consent.]

    The Docketed Speakers

    Individual and institutional responsibility: statement of Charlie Conroy, professor of astronomy and director of graduate studies.

    I am an astronomer. I spend most of my time collecting data and running computer models to understand the origin of our Galaxy. But today I speak to you as a deeply concerned member of our community.

    I have grown up with the reality of what we once called global warming: rising temperatures, melting glaciers, species extinctions, destabilizing weather patterns. The consequences for humans have also been in plain view: increased occurrence of famine, droughts, and diseases, and, on the horizon, a refugee crisis unparalleled in human history. And yet, like many people I became numb to the increasingly urgent calls for action. I was busy and preoccupied with issues closer to home: raising a family, conducting research, securing tenure. I focused on small acts—recycling, commuting with public transit, eating locally grown food. What more could I do? I am after all only one person.

    That thinking was wrong.

    As members of the Harvard faculty we have a powerful platform to effect change. This means that we also have a responsibility to use that power in extraordinary times. And these are extraordinary times.  

    As I speak California is burning. UC Santa Cruz, where I used to teach, has been subjected to forced blackouts resulting in canceled classes. Fire-related evacuations are now a routine part of life for many communities. This is the new normal. In recognition of the climate crisis, the University of California system is divesting its $13-billion endowment and its $70-billion pension fund from fossil fuels. 

    The ice sheets on West Antarctica and Greenland together hold enough water to raise global sea level by 13 meters. Destabilization of these ice sheets could result in sea level rise of 2 meters by the end of this century and 6 meters by the end of the following century. With 6 meters of sea-level rise significant portions of the Harvard campus will be underwater. As will all of MIT, Fenway, and the South End. Globally the situation will be much worse: 600 million people live at an elevation within 10 meters of sea level.

    We in rich countries may be able to mitigate the worst effects of climate change, though the costs may be staggering. Maybe. Maybe not. But island nations, poor countries in South Asia and elsewhere, will not have the option of buying their way out of disaster. 

    The predicted short-term consequences of climate change from major organizations such as the IPCC [Intergovernmental Panel on Climate Change] tend to be conservative. We see evidence of this every year as new reports indicate the pace of change is accelerating faster than predicted. The global climate is a complex system with multiple non-linear feedback cycles that are poorly understood. The near future could easily turn out to be much more extreme than current models predict—during the Pliocene Epoch the levels of CO2 in the atmosphere were comparable to today’s levels. During that time the Earth was 3° C warmer and global sea levels were 10-20 meters higher.

    There is currently five times more fossil fuel in proven reserves than can be burnt if we are to stay within the 2°C warming scenario advocated by the UN Paris Agreement. Avoiding catastrophic changes to our world will therefore require leaving huge reserves of fossil fuel in the ground. And yet, the fossil-fuel industry continues to devote vast sums of money and resources to identifying new reserves. Despite its profession of support for the Paris Agreement, ExxonMobil has not changed its position since this agreement was signed. In 2015 ExxonMobil projected that by 2040 fossil fuels would supply over 75 percent of the world’s energy needs. In its latest projections from this year, that number has actually risen to 80 percent.   

    It is simply unrealistic to expect the fossil-fuel industry to willingly walk away from so much money in the ground. As our colleague Naomi Oreskes has demonstrated through extensive scholarship [read her October statement here], the fossil-fuel industry has for decades engaged in deliberate doubt-mongering on the topic of climate change. This includes explicit undermining of public policy and indirect undermining of attempts to move to alternative energies. In light of these facts, the idea of working in collaboration with the fossil-fuel industry is dangerously naïve and counterproductive.

    These extraordinary times require big ideas and bold leadership.  

    The scale of the problem is so enormous that many ideas must be pursued simultaneously. We should commit to a carbon-free campus on a rapid timescale. We should incentivize reduced air travel and the use of a robust public transit system. We should encourage significant new academic and research ventures. We should engage with our community beyond Harvard. And we should divest from the fossil-fuel industry.

    There are multiple reasons to support divestment. There are arguments from history and from economics that my colleagues will discuss. My perspective is this: the degree of action and change required to avoid the worst-case scenarios is far larger than anything we could hope to accomplish on our own, even as teachers and researchers. Every one of us could commit 100 percent of our time and resources to combating climate change, but that would fall far short of what is needed. This is where divestment comes in. It is an opportunity, perhaps our best opportunity, to catalyze action and change far beyond these walls. 

    Imagine I came here to announce that a civilization-destroying asteroid is heading toward Earth. Would we wait to act until the probability of disaster is 100 percent? No. Would we wait to act until the impact was days or weeks away? No. Climate change is that asteroid. Its impact will be felt not instantaneously but over years, decades, and centuries. As scientists we have an obligation not only to identify and study the asteroid, but to act upon the clear and present danger it represents, and to join our colleagues in other disciplines in urging responsible action.

    Harvard is in a position to lead on this issue. We have a responsibility to do so. Now is the time to act.

    The Harvard historical perspective: statement of Joyce E. Chaplin, Phillips professor of early American history. (Footnotes removed from this version.)

    On the question of divestment from fossil-fuel interests. Harvard’s official position has been that the endowment should not be used to make political points or influence social policy, that the University’s engagement with leaders in the fossil-fuel industry would instead be more effective. In my remarks today, I will examine Harvard’s past in order to question this position, showing that Harvard has a long history of using its reputation and resources to make points about politics and society, that there are precedents for using Harvard’s endowment to state those ethical claims, and that reluctance to do so has had the unfortunate effect of making Harvard seem indifferent to human-rights violations. 

    Harvard has been raising its voice in politics and public life at least since April 3rd, 1776, when it granted an honorary degree of Doctor of Laws to General George Washington, commander of the Continental Army. Harvard thus endorsed the idea of American independence three months before delegates from Massachusetts would sign the Declaration of Independence. Harvard would gain its own independence in 1865, when selection of the Overseers would begin to be done by alumni rather than the Commonwealth of Massachusetts. From this point on, Harvard’s contributions to public life would increasingly engage the worlds beyond Massachusetts. This was notably the case for the service Harvard President James B. Conant performed for the Manhattan Project during World War II. Conant became director of the National Defense Research Committee in 1941; he estimated that, during the war, he racked up half a million miles on the train between Boston and Washington, D.C. Conant witnessed the July 16th, 1945 successful test of the first atomic bomb, “Trinity,” at Almogordo, New Mexico, reporting that “the whole sky [was] suddenly full of white light[,] like the end of the world.” 

    After the war, Harvard faced new questions about its financial investments, and this is when we first see a stated policy of conservatism about the endowment—during the Civil Rights movement. In May 1964, at the start of the Mississippi Summer Project, Harvard and Radcliffe students identified Harvard as the largest shareholder in Middle South Utilities. This company owned Mississippi Power and Light, whose leadership overlapped with that of the Jackson Citizens’ Council, a white supremacist group. Students did not ask for divestment; rather, they requested that the Corporation withdraw 10 percent of its $10-million investment in Mississippi Power and Light to use as bail for students working for civil rights in Mississippi. The Corporation refused. A conflict of interest was apparent. Middle South’s second largest stockholder was Massachusetts Investor Trust; a member of the Harvard Board of Overseers, Thomas D. Cabot, served on the trust’s advisory board. In addition, Harvard’s treasurer, Paul C. Cabot, was chairman of Middle South’s third largest stockholder, State Street Investment Corporation. When Cabot retired, he was succeeded by Harvard’s deputy treasurer, George F. Bennett, also of State Street Investment. In the wake of the controversy over Harvard’s investment in Middle South Utilities, Bennett responded, “We don’t try to accomplish social purposes with our capital; we just try to put it where it will bring us the best return.”

    That preference was restated several times during Derek Bok’s twenty-year term as president of Harvard. One year into Bok’s tenure, two student groups, in February 1972, demanded that the Corporation sell its 682,000 shares of stock in Gulf Oil, valued around $20 million. Gulf Oil was extracting oil from the coastline of Angola, a militarily-occupied colony of Portugal, which until 1974 was itself ruled by a dictatorship, one determined to suppress Angolan freedom fighters. But the Harvard Corporation declined either to sell its Gulf Oil stock or require the company to issue a report on its business strategies in Angola. 

    This too was the response when students urged Harvard to disassociate itself from the apartheid regime in South Africa. The 1980s anti-apartheid movement focused on government sanctions of the country and non-governmental divestment from commercial and financial interests in South Africa. Harvard’s disinclination to divest was, in this instance, technically political, because it could have been read as criticism of U.S. leadership—President Ronald Reagan opposed sanctions. The Reaganite alternative was “constructive engagement” with the apartheid regime and with South African businesses, to persuade government and business leaders to abandon racist policies; Harvard likewise advocated constructive engagement. Of course, this position of not divesting was no less political than making any decision to divest. Only when it became clear, by 1985, that Reagan’s policy against sanctions was losing support did Harvard begin to divest from its financial connections to South Africa. By 1988, formal U.S. policy no longer endorsed unilateral engagement with the apartheid regime; it was considered irrelevant, if not bankrupt, as a political strategy. The 2009 comprehensive history of The Rise and Fall of Apartheid, peer-reviewed, published by a university press, does not even list “constructive engagement” or its Reagan-era architect in the book’s index. 

    The position that the Harvard endowment should not be used to address social problems has, in any case, never been consistent. In 1970, a Harvard Committee on University Relations with Corporate Enterprise issued a statement that ethics should influence investment, specifically naming alcohol and tobacco as questionable sources of profit. During the controversy over Angola, President Bok set up two deliberative committees: a Harvard Corporation Committee on Shareholder Responsibility (CCSR) and an Advisory Committee on Shareholder Responsibility (ACSR) composed of alumni, faculty, and students. Perhaps unexpectedly, the CCSR proved to be somewhat critical of anti-divestment and the ACSR in 1984 voted for total divestment. 

    And in the case of one industry, divestment became Harvard’s policy. In 1990, Harvard sold off its last (direct) stock in tobacco companies. “This decision was motivated by the University's belief that in this case it would be unable, as a continuing shareholder, to influence the policy of the companies in regard to the marketing practices mentioned above, and by the desire not to be associated as a shareholder with companies engaged in significant sales of products that create a substantial and unjustified risk of harm to human health.” 

    If the official position of the President and Fellows of Harvard College is still that Harvard’s endowment should not be used for political or social purposes, that engagement with the fossil-fuel industries is instead preferable, I think we must ask: why? Why should a position tarnished through association with racism be acceptable as a response to the climate crisis, arguably the greatest threat to human rights today? Why should “engagement,” highly questionable during the 1980s argument over apartheid, now be regarded as an effective way to handle an industry we know to be perfidious? The World Health Organization and Harvard physicians warn that the climate crisis is already generating threats to global public health, threats that will eventually be enormous—why are these of less concern than those posed by big tobacco? In 1945, Harvard’s president saw his work on atomic weapons culminate in a light so bright it seemed to signify the end of the world. In 2019, science has shone enough light on climate change for all of us to see that it might end the world as we know it. This danger demands that we end our complicity with the industries that deny their responsibility in creating our current state of emergency.

     •Financial and investment perspective: statement of Stephen A. Marglin, Barker professor of economics. (References removed from this version.)

    I must first report a failure. I do not have the information I need to speak in any detail about the Harvard endowment. Not for lack of trying. After some delay, which I mistakenly, perhaps naively, took as a positive sign, I was directed to the annual financial report and SEC filings. Practically useless.  

    Absent this information, what is there to say? Turns out quite a lot. I used to caution against thinking that divestment would have a direct effect on the fossil-fuel industry by denying capital for expansion. No, the shares in ExxonMobil that Harvard sold would be purchased by some other investor. No impact on ExxonMobil.  

    I’m no longer sure that it’s a fallacy to argue that our endowment directly provides capital to the fossil-fuel industry. One of the things I did learn from this year’s financial report is that over 50 percent of the endowment is invested in hedge funds and private equity. We simply do not know how much capital Harvard is providing for the expansion of the fossil-fuel industry through these vehicles. We do know, thanks to Bill McKibben [’82, a prominent climate-change and divestment activist], that providing finance for the industry is a thriving business, even as it puts the planet in jeopardy: one bank, Chase, has reportedly committed a hundred and ninety-six billion dollars in financing for the fossil-fuel industry in the three years after the Paris Agreement was signed.

    How much has Harvard committed? The Administration won’t tell us.

    Not that the information about current holdings and past returns is dispositive. But knowing the extent of our commitment to fossil-fuel investment would at least provide context for an intelligent discussion.

    There are a small number of studies on the financial costs of divesting. Not surprisingly—this being economics after all—the conclusions differ. Two studies argue that divestment would have major effects on the financial performance of investment funds, one suggesting that the Harvard endowment in particular would be 16 percent smaller after 50 years if we divested our holdings in fossil-fuels.

    These studies suffer from two defects. First, the argument rests on the superior performance of energy stocks during one particular decade. Between 2003 and 2012, ExxonMobil stock rose at double the rate of the stock-market average, from $35 per share in the first week of 2003 to $89 in the last week of 2012. The second defect—make of it what you will—was that both these studies were financed, as the authors acknowledge, by the Independent Petroleum Association of America.

    Other studies, I read four, find no adverse effects of divestment. The risk-adjusted performance of portfolios with and without fossil-fuel stocks are virtually identical over long periods.

    But all these studies look at publicly traded stocks, and only one-quarter of our endowment is invested this way. In any case, one thing we know for sure: the past is not going to be a very good guide to the future. Unless you’re Donald Trump, climate change is real.  

    And so, looking ahead into the not-too-distant future, are the financial risks of investing in fossil fuels. The major risk is stranded assets, oil, gas, and coal that must be left in the ground if we are to limit global warming to the 1.5° Celsius target that the Intergovernmental Panel on Climate Change now recommends.    

    Not a problem for ExxonMobil. As Professor Conroy pointed out, ExxonMobil has upped the ante: in 2014, it was projecting that over 75 percent of the world’s energy would come from fossil fuels in 2040; in its most recent projections, the 2040 percentage for fossil fuels is 80 percent. No peak oil, no stranded assets. The oil companies, professing allegiance to the Paris Agreement and even to the IPCC’s revised targets, are like St. Augustine: give us renewable energy, only not yet. 

    Stranded assets are not the only problem. ExxonMobil is in court right now defending against charges brought by the Attorney General of New York that “the company lied to shareholders and to the public about the costs and consequences of climate change.” Litigation is an increasing worry and now appears among the risk factors major oil companies acknowledge. 

    A third risk, believe it or not, is the divestment movement itself.  Listen to Shell Oil:

    “Additionally, some groups are pressuring certain investors to divest their investments in fossil-fuel companies. If this were to continue, it could have a material adverse effect on the price of our securities and our ability to access equity capital markets.”

    Whom are we to believe? Well, institutions with assets totaling $11.5 trillion have divested at least partially. Yes, their motives are complicated, but financial motives are playing an increasing role. The University of California is divesting fossil-fuel investments from both its $13-billion endowment and its $70-billion pension fund. The Chair of the Board of Regents investment committee and UC’s chief investment officer could not be clearer:

    “We believe hanging on to fossil fuel assets is a financial risk….

    “We [are placing] our bets that clean energy will fuel the world’s future. That means we believe there is money to be made. We have chosen to invest for a better planet, and reap the financial rewards for UC.”

    Can a clever (or lucky) investor make money for the University even if the fossil-fuel industry is going down the tubes? You bet. If you’d bought ExxonMobil at the end of 2018 and sold it in April of this year you would have made 20 percent on your investment. Can a clever investor consistently make money out of special situations? That’s more doubtful. And these clever investors don’t come cheap. Perhaps this is why the University of California has decided to go down a fossil-fuel-free path.

    Our endowment managers already screen potential investments in terms of environmental effects, social effects, and corporate governance (ESG for short). The website of the Harvard Management Company, the guardians of our endowment, even recognizes the particular relevance of these factors in assessing the impact of climate change (https://www.hmc.harvard.edu/sustainable-investing/#esg). HMC’s senior vice president for sustainability, Michael Cappucci, has argued convincingly that ESG is not for the fainthearted. The worst results come from a half-way commitment. 

    Here is a simple screening device that will strengthen our commitment to ESG and bring HMC into line with what hopefully, sooner rather than later, will become standard practice for institutions like ours: Is this investment contributing to the solution of global climate change? Extra points. Or is it part of the problem? No way. Fossil fuels are rightly an endangered species. No prudent investor would choose to be the last hold-out.

    In the end financial considerations will take us only so far. One consequence of the Jeffrey Epstein scandal is that both President Bacow and Provost Garber have expressed the need to rethink our policy about donations. Epstein’s crime was to sexually abuse teen-aged girls. He has been credibly accused of rape. I expect we will end up with a policy of screening donations on the basis of the character of the donor. President Bacow, ExxonMobil has been credibly accused of raping the planet and lying about it to boot. Are we really any less culpable accepting the poisoned fruit of fossil-fuel investments than accepting the tainted money of the ilk of Jeffrey Epstein?

    Comments from the Floor

    Following these docketed statements, other speakers joined the discussion.

    [Updated November 5, 2019, 8:00 p.m., to identify the speaker.] Hooper professor of geology Daniel P. Schrag—who is also professor of environmental science and engineering and  director of the Harvard University Center for the Environment—said he was “very impressed and heartened” by the discussions in October and today, given the importance of climate change—the greatest challenge human society has ever faced—and the difficulties it presents as a “global collective-action problem” of the sort humans find it hard to solve, and as a problem on “really long time scales,” extending thousands and even tens of thousands of years. Very long time scales also characterize the necessary changes in the energy system, given the enormous capital investment and infrastructure involved. 

    In that light, he continued, despite envisioning a huge role for Harvard to play, he opposed divestment. Even though climate change poses moral issues, there are real differences surrounding divesting, and the problem does not fall solely on the endowment managers. Rather, Harvard and the FAS have to contribute via “the education we give our students and the research we do in every field.” Symbolic actions can have a value, but they are problematic when they supercede actions needed to effect change. He recalled proposing a major initiative on climate and energy at the outset of The Harvard Campaign; despite decanal and faculty enthusiasm, President Faust declined to pursue it, and instead initiated a grant-making presidential climate-solutions fund: worthwhile, but, funded at $8 million, an “embarrassing” level of commitment relative to the problem. Given the recent $750-million gift to Caltech for climate research, a larger, broader institution like Harvard ought to aim even higher. It was laudable for Harvard to stress its internal greenhouse-gas-reduction goals, but again, those efforts are symbolic, when “by far the biggest way we will impact the future of our climate” is through research and teaching.

    He applauded the passion and engagement of student advocates of divestment. But he still felt the “obligation to do our central task first,” in the classroom and laboratories. He hoped that faculty members from across the University, and in every FAS discipline, would engage in efforts to conduct research and teaching on climate change on a major scale, and that deans and the president and provost would support that.

    •An economist’s political perspective on the perils of divestment: statement of James H. Stock, Burbank professor of political economy.

    In 2013-14, I served as a Member of the Council of Economic Advisors under President Obama. My portfolio included energy, environment, and climate. I was the chief economist in the White House working on the Clean Power Plan, our regulation for reducing CO2 emissions from the power sector. I also led the process that led to the moratorium on new leases under the Federal coal program. Although I had worked on climate issues as a secondary interest prior to my time in D.C., since returning to Harvard, climate economics and policy have been the main focus of my research and public engagement. Disclosure: I take no financial support from the fossil-fuel industry.

    Putting aside direct financial market effects, divesting sends a message. My worry is that the message, intended or not, is one of moral superiority. We would send that message not just to the oil executives who spent $30 million to defeat a carbon tax in Washington state, but to the oil roughneck in west Texas, the refinery worker in Louisiana, the long-haul trucker, and the coal miner in Gillette, Wyoming. Those workers are not morally flawed by virtue of their working in the fossil-fuel industry. But how could they interpret Harvard’s divestment as other than yet another criticism by liberal elites of the honest way of life they adopted to earn a living and support their families? 

    This summer, I testified in Congress on the Federal Coal program. The hearing occurred a week after a coal company, Blackjewel, unexpectedly declared bankruptcy and closed two mines near Gillette. Wyoming’s representative, Liz Cheney, who is on the committee, lit in to me. I quote: 

    “Our communities and our families are feeling and facing real pain. We have had 700 people laid off, and the idea that that pain would be used by witnesses in this committee to somehow suggest that we ought to pursue an anti-coal endeavor to me is really offensive.”

    She continued in this vein. Representative Cheney’s comments built on a narrative of climate action being something coastal elites do at the expense of everyday Americans. Harvard’s divestment would play into that narrative.

    Decarbonizing the economy is a problem we must solve. But if the solution is to be durable, we need to solve it together as a nation. This issue is too important to be driving wedges.

    What should Harvard do? In brief: Invest, not divest. Invest in teaching and research in climate technology and policy. These are things we do well but insufficiently, and here, Harvard can do much more. 

    •A counter-divestment argument, on FAS’s academic mission: statement of Harry R. Lewis, Gordon McKay professor of computer science

    I am Harry Lewis, Gordon McKay professor of computer science, and I should like to speak against the push for divestment from fossil fuels. 

    Let me begin by agreeing with the colleagues who have docketed this discussion that climate change is the great existential threat of our times. The question is what Harvard should do about it. Of course, Harvard can do more than one thing, but as we are an institution devoted to teaching and research, those are the weapons we are best positioned to marshal in the fight. And teaching in particular is the thing that this Faculty, acting as a body, can decide to do. Our undergraduates disproportionately go on to influence the future of the world in industry, the professions, and public service. We could shape our curriculum so that Harvard undergraduates will leave here understanding the nature of the threat and their agency to do something about it. I know that many individual faculty members have, to their credit, stressed environmental issues in their own teaching. But we are now being asked to act as a body to pressure the Corporation for divestment, when we have taken no comparable action as a body to better educate our students. 

    For this Faculty as a body to alter our education requires no petition to the Corporation or permission from any dean or president. Someone could put a curricular motion on the table and we could vote on it. If we wanted to make it happen, it would happen, whether the Corporation liked it or not. We could make a requirement, or we could fashion a more creative educational strategy. But mainly I wish that my colleagues had asked us to make a commitment as a body to do something that is actually within our competence and power to do, before asking us to tell the Corporation how it should run the endowment. Rather than piling up educational requirements, we might even decide that learning about climate change is more important than the least important of the many other things we already expect of our students.

    As for divestment now. I took some pains a moment ago to name the donor of my chair, to make the point that Harvard can do good works with tainted money. If you do not know the tale of Gordon McKay, I invite you to read the Vita I wrote about him for Harvard Magazine a few years ago. He would be a pariah today, but I don’t think that has diminished the good that has come from his endowment. 

    Now I have no opinion about whether Harvard should or should not be invested in anything. The job of the endowment managers is to preserve and increase Harvard’s endowment, so that we faculty can do our good works and our students can reap the benefit. Our job is advancing society through teaching and learning. 

    Universities are the kidneys of society. The main thing you want from kidneys is to produce pure output, whether or not the inflow is dirty. It is odd that we regularly try to seize the moral high ground by discussing divestment from something or other that is considered impure, but we rarely talk about whether our own work advances society or not. It is no breach of academic freedom to seek answers to that question. All it requires is a willingness to be as critical of ourselves as we are of the Corporation and its investments.

    At the last meeting Professor [Edward] Hall correctly described fossil-fuel divestment as a political statement, one that would not exert financial leverage on the fossil-fuel industry. Indeed, selling supply-side stocks to someone else and leaving all the demand-side stocks in our portfolio—airlines, trucking companies, Amazon, the meat industry—seems to me pointlessly self-gratifying. Really, divestment votes are a waste of time. The country’s two largest pension funds, which are many times the size of the Harvard endowment, divested from gun stocks after the Sandy Hook massacre, but there’s no evidence that did anything to solve our horrible gun problem. But they resisted pressure to divest from stores selling guns, and because they had a seat at the table as shareholders, they helped get some of those companies to change their practices.

    One of the things about political statements is that they tend to be welcomed by people who don’t need convincing and to do little to persuade skeptics. They are divisive, when academia more than ever needs friends and allies today. Universities make too many political statements already, and such empty declarations increase skepticism about whether we are really in the business of truth as we claim to be or are now just one more politicized American institution.

    What we as a Faculty should instead do to impact the climate, it seems to me, is to use as much money as Harvard can make available to us to fight the needed scientific, technical, economic, civic, and social fights. If some of the money we use to do that comes from the fossil-fuel industries themselves, the joke will be on them.  We should accept the profits and use them to help save the planet in the ways we are professionally competent—and powerfully positioned—to do.

    [Updated November 6 at 3:40 p.m., to identify the speaker.] Steven C. Wofsy, Rotch professor of atmospheric and environmental science,  rose to say that although he had until recently opposed divestment, the  gutting of the Clean Power Plan and the CAFE standards [for automobile and truck energy efficiency], at the behest of the fossil-fuel industry, had led him to change his mind. Making money from fossil-fuel investments, he now thought, was equivalent to profiting from tobacco.

    •Climate change and core values of diversity and inclusion: statement of Scott V. Edwards, professor of organismic and evolutionary biology (OEB). [Editor’s note: Professor Edwards is a member of the Board of Directors of Harvard Magazine Inc.]

    As an ornithologist, my research and teaching have both involved climate change as a core driver of evolutionary and ecological change. As [Agassiz professor of zoology] Jim Hanken pointed out at our last faculty meeting, zoology classes at Harvard have been, by necessity, intensely focused on the consequences of climate change for various animal groups. For example, for decades ornithologists have quantified the extent to which climate change has altered the timing and geography of migration, often with detrimental effects on the species in question, especially when arrival times in spring are driven out of sync with the emergence of insect and other prey. The effect of climate change on animal populations is a core issue that few classes in OEB can avoid. To the extent that climate change erodes the very populations that we study in our research, our research itself will suffer and become uprooted.

    But today I’d like to draw your attention to a different link between climate change and our core values as a faculty. Specifically I’d like to argue for an important link between Harvard’s approach to climate change and our approach to diversity and inclusion. I just returned from the annual meeting of the Society for the Advancement of Chicano and Native American Scientists, or SACNAS, one of whose themes this year was climate change. SACNAS is the largest and most diverse national gathering of students and faculty in STEM [science, technology, engineering, and mathematics] and is a fertile arena for dialogues between indigenous communities of scientists and educators. Climate change has been at the center of discussions at SACNAS for years, and we have heard heartrending stories of environmental degradation from diverse indigenous peoples, naturally the first to experience our rapidly changing environment. This year, the keynote speaker at SACNAS was Hilda Heine, the president of the Marshall Islands, a Pacific island nation whose very future depends on the ability of developed nations like ours to curtail their production of greenhouse gases. In graphic detail, President Heine reminded the audience of 5,000 undergraduates of the horrific deployment of hydrogen bombs and multiple nuclear tests by the U.S. government in the post-World War II years—a typical —I repeat, typical—example of the disregard of the U.S. government for the plight of voices perceived to be weak and marginalized. In our comfort as a developed nation, with no end to technologies and quick fixes that buffer us from the negative consequences of climate change, it’s all too easy for us to forget that many people around the globe are orders of magnitude more sensitive to climate change than we are. As a country, and, I daresay, as a University, we are literally contributing to the genocide of indigenous populations through our unwillingness to address the sources of climate change. I believe that, as a University, a failure to divest from companies grossly contributing to the problem of climate change is tantamount to contributing to this genocide and to ignoring the voices of diverse indigenous populations around the globe. How can we, as a University, claim to hold the values of diversity and inclusion to heart, when our actions disproportionately affect those already marginalized on the global stage?

    [Updated November 6, 7:55 a.m., to identify the speaker and provide a fuller account of his remarks; this paragraph replaces the prior summary sentence on those remarks.] Timken University Professor Irwin I. Shapiro rose to observe that, although it may be hopelessly idealistic, he thought Harvard should consider taking the lead to help solve this clearly world problem of climate change through initiating the organizing of the universities of this country, if not of the world, to develop an approach to the scientific, political, economic, etc., means to solve the problem. That coalition then could be used to pressure the governments of the different countries to support this approach, perhaps with modifications.  This approach would likely involve both cooperation and competition of universities, and other entities, in solving specific parts of the overall problem. 

    President Bacow Responds

    President Bacow said these issues would be revisited at the next faculty meeting, and that the comments aired today would be taken back to the Corporation. In reflecting on the statements made, he said, “I think it’s important for us to focus not on points of disagreement but on points of agreement”—namely, that climate change is real, threatening, and demands action. “Whatever people may believe about divestment,” he continued, “we all need to agree that as a faculty, we need to confront this issue through our scholarship and teaching,” and through the actions of each individual.

    He was troubled, he said, that divestment was seen as a “litmus test,” a sign of whether an individual or an institution cared about climate change. “I do,” he emphasized, recalling his scholarly career in environmental science at MIT (read background here). “I don’t need to be persuaded” that climate change is an urgent problem. So, he said, he agreed with many speakers on many things, even though he might disagree on what is the most effective action.

    Turning to divestment per se, he recalled Professor Hall’s statement at the October faculty meeting, where he characterized divestment as a “political statement”—as it indeed is, Bacow said. “But we need to be modest about our capacity to improve the world merely by making political statements.” As Professor Stock had noted, this is an elite institution; many people regard it skeptically, even with mistrust, Bacow continued: “We don’t want to make it harder to solve this problem. We want to make it easier.” He noted that he was supporting research within FAS on how to support parts of the United States where people might lose from changes necessary to adapt to climate change (an example of how to proceed productively).

    He also said that he would not defend the conduct of all companies, but noted, “We paint with a very broad brush” if we believe that all companies act in the same ways. Some energy companies, he noted, are trying to be carbon-neutral. They deserve constructive engagement, rather than being labeled as morally repugnant.

    Harvard did divest from tobacco investments, he noted: tobacco has no social utility, it is dangerous, and owning tobacco securities was repugnant. But at the same time, Harvard banned sale of tobacco on campus, banned consumption on campus, and prohibited research funded by tobacco interests. The “day after” divesting from fossil-fuel enterprises, he said, “We would still have to turn on the lights, we would still have to heat our buildings,” and many faculty members would still get on airplanes. “We cannot wash our hands of this problem.”

    Accordingly, it was urgent for an institution like Harvard to research how to lessen demand for fossil fuels, to explore and teach about new clean-energy technologies, sustainability, and the policies that would bring them into effect. Given the scope of the changes required, he said, the role of government and policy in changing behavior on a wide scale was key.

    He pointed to a handout on Harvard Management Company’s engagements on sustainable investment, and urged the faculty members to read it. Were the University to divest, he said, those engagements would cease at once—something he thought faculty members ought to inform themselves about.

    In any event, he said, the discussion would continue. Apart from, or beyond, divestment, a Corporation decision, he focused on the point Professor Lewis made: “What is it that as a faculty we want to do? What do you want to do,” as teaching faculty members, “with no permission from anyone”—in scholarship, teaching, and the way FAS members conduct their lives, demonstrating the power of their conviction to their students?

    With that, he deemed the meeting useful and productive, and thanked all for taking part.

     

    Harvard Faculty Divestment Debate
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    Student loan debt: Strategies to pay it off faster, smarter

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    Americans have accumulated more than $1 trillion in student loan debts. Are there strategies to pay it off more efficiently?
           

              

    Elizabeth Warren’s ‘Medicare For All’ plan just a giant, $52 trillion handout to Big Pharma and the cancer industry

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    Capita enhances control room tech with what3words

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    Capita logoCapita has formed a partnership with London-based geocode start-up what3words in a move that will see the location-finding app integrated into Capita’s control room solutions.

    The what3words platform divides the world into 57 trillion three-metre squares and gives each square a unique three-word ‘address’. The intention being that it is easier to remember and communicate three-words than a grid reference and far more precise than a postcode. Last year Daimler AG took part in a financing round and acquired a share of c.10% of the business. For further background see what3words finds address of new investor and work back.

    what3words logoThe link-up with Capita means users of the Vision Command & Control solution will be able to identify a caller’s location using a three-word address. When used in conjunction with Capita’s 999eye video streaming service, control room personnel will be able to see what is happening in real-time without having to use a separate system to look up the three-word location code.

    The increasing popularity of what3words means integrating the technology is a sensible move for both Capita and emergency services. As of last month, 26 police forces, 38 fire and rescue services, and five ambulance services (plus three air ambulance services) in the UK confirmed they were using and accepting three-word addresses. Other bluelight suppliers have taken a similar approach e.g. Northgate Public Services has integrated what3words into its xc control room GIS software and it is also available via Sopra Steria’s STORM command and control solution.


              

    How the retail industry will top $5.5 trillion by 2020 (TGT, WMT, AMZN)

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    The future of retail is looking bright.The future of mobile commerce

    So bright that Business Insider Intelligence, Business Insider’s premium research service, expects the industry to top $5.5 trillion by 2020!

    While in-store and desktop purchases are certainly helping the retail industry boom, the biggest factor for this incredible growth is in your pocket.

    See the rest of the story at Business Insider

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    The direct-to-consumer economy shows no signs of slowing down. Fashion retailer Express is launching its own DTC brand to catch up.

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    • 40-year-old fashion retailer Express is jumping on the direct-to-consumer bandwagon with its own line of health and wellness products called UpWest.
    • The line includes clothing, sleep aids, CBD products and home products from other manufacturers.
    • UpWest hopes to stand out by building a community with branded content and events as direct brands Goop and Glossier have done in a big way.
    • Legacy companies launching their own direct brands may have a leg-up on the supply side but don't necessarily understand demand as well as DTC brands do, DTC investor Nik Sharma said.
    • Click here for more BI Prime stories.

    The swift rise of direct-to-consumer upstarts has forced legacy brands to rethink their businesses. Among them is 40-year-old fashion retailer Express, which is launching a direct-to-consumer wellness brand called UpWest.

    With UpWest, Express is trying to take a crack at the $4.2 trillion global wellness industry, said Jamie Schisler, UpWest CEO. The line includes clothing, sleep aids, CBD products, and home products like candles and bath salts from other manufacturers.

    "Express is a legacy brand with a long history, but it needs to continue to grow," Schisler told Business Insider. "UpWest helps us get up to speed with the direct-to-consumer trend and changing consumer sentiment, offers us a new segment of consumers we can reach, and lets us grow shareholder value."

    Express's net sales declined 2% to $2.1 billion in 2018.

    UpWest is taking  a page out of DTC brands' playbooks

    UpWest has a team of 11 and handles its own inventory, merchandising and design, and platform (Shopify), but uses Express for areas like supply chain, logistics, and HR. Like typical DTC brands, it will sell its products directly online, and doesn't plan to sell in Express stores, said Schisler.

    UpWest hopes to stand out by building a community with branded content and events as direct brands Goop and Glossier have done in a big way. Its website will feature shopping recommendations and it is using meditation-themed events in Austin, Chicago, Columbus, Denver, and Nashville to promote the new line.

    UpWest will donate 1% of sales up to $1 million annually to like-minded charities including Mental Health America, Freedom Dogs of America, and Random Acts.

    "The world doesn't need another clothing brand," said Schisler. "But there has been a cultural shift within consumer's minds in terms of what they are looking for from brands. They're looking at brands to offer solutions, which means that brands need to be not just transactional, but transformational."

    P&G, Verizon, Kellogg's and others have also incubated DTC brands

    As the DTC economy grows, legacy companies are trying to catch up. P&G has acquired DTC companies, Coca-Cola has invested in buzzy startups, and others like Verizon and Kellogg's have built direct brands like Visible and Happy Inside, respectively.

    Express decided to built its own DTC brand because they can help each other, Schisler said. Express can learn how to work faster from UpWest while the latter can tap Express for manufacturing and distribution.

    "The capital structures of acquisition deals is often structured to satisfy current ownership," he said. "This made more sense for us."

    Legacy companies launching their own direct brands may have a leg-up on the supply side, but they don't necessarily understand demand as well as independent DTC companies, said DTC investor Nik Sharma.

    "Legacy companies only understand what SKUs sell, but they don't always understand the consumers and how they shop," he said.

    Join the conversation about this story »

    NOW WATCH: A podiatrist explains heel spurs, the medical condition Trump said earned him a medical deferment from Vietnam


              

    Open banking: An enabler in the race to relevance in the digital-age

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    These numbers seem small when compared to China’s US$4.64 trillion, but the pace of growth driven by commercial interests and consumer demand signal big opportunities that traditional banks could ...
              

    Toyota first-half profit hits record ¥1.27 trillion on sales in Asia and Europe

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    For the full year to March 2020, Toyota maintained its outlook and said it expected a group net profit of ¥2.15 trillion, up 14.2 percent.
              

    YTD Residential Construction Spending Falls 8 Percent

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    Posted To: MND NewsWire

    Total expenditures on construction in the U.S. moved slightly higher in September but is lagging behind year-earlier figures. The annual losses are coming solely from the private sector as publicly funding spending is moving higher in the majority of building categories. The seasonally adjusted rate of spending nation-wide was $1.294 trillion in September compared to $1.287 trillion in August, a half point gain. However, that is 2.0 percent lower than in September 2018 when the annual rate was $1.320 trillion. On a non-seasonally adjusted basis, spending in September was $116.828 billion, down from 119.109 billion the prior month. Year-to-date (YTD) spending in 2019 is $968.242 billion, down 2.2 percent from the nine-month total in 2018 of $990.242 billion. Private construction expenditures...(read more)

    Forward this article via email:  Send a copy of this story to someone you know that may want to read it.


              

    World: Global Humanitarian Overview 2019 [EN/AR/ES/FR/ZH]

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    Source: UN Office for the Coordination of Humanitarian Affairs
    Country: Afghanistan, Argentina, Aruba (The Netherlands), Bangladesh, Brazil, Burundi, Cameroon, Central African Republic, Chad, Chile, Colombia, Costa Rica, Curaçao (The Netherlands), Democratic People's Republic of Korea, Democratic Republic of the Congo, Dominican Republic, Ecuador, Egypt, Ethiopia, Guyana, Haiti, Indonesia, Iraq, Jordan, Kenya, Lebanon, Libya, Madagascar, Mali, Mexico, Myanmar, Niger, Nigeria, occupied Palestinian territory, Pakistan, Panama, Paraguay, Peru, Philippines, Rwanda, Somalia, South Sudan, Sudan, Syrian Arab Republic, Trinidad and Tobago, Turkey, Uganda, Ukraine, United Republic of Tanzania, Uruguay, Venezuela (Bolivarian Republic of), World, Yemen

    Global trends and challenges

    More than 1 per cent of people across the planet right now are caught up in major humanitarian crises. The international humanitarian system is more effective than ever at meeting their needs – but global trends including poverty, population growth and climate change are leaving more people than ever vulnerable to the devastating impacts of conflicts and disasters.

    Humanitarian needs are increasing despite global economic and development gains. In the past decade, the world has made profound development progress. Between 2008 and 2015, the number of people living in extreme poverty fell from 1.2 billion to 736 million. The world is also richer than ever before: global GDP rose from $63.4 trillion in 2008 to $80.7 trillion in 2017.
    But in recent years, more than 120 million people each year have needed urgent humanitarian assistance and protection. There are more crises, affecting more people, and lasting longer today than a decade ago. Most humanitarian crises are not the product of any single factor or event, but of the interaction between natural hazards, armed conflict and human vulnerability.

    People’s vulnerability to crises is not just about where they live, but also about how they live.
    Poverty, inequality, population growth, urbanization and climate change can erode people’s resilience and make them more susceptible to shocks. Although development gains are being made, progress has been uneven. The rate of extreme poverty remains high in low-income countries and in countries affected by conflict. Crises have disproportionate consequences for the poor: people exposed to natural hazards in the poorest nations are at least seven times more likely to die from them than those in the richest nations.

    Fragile and conflict-affected areas are growing faster and urbanizing more rapidly than the rest of the world

    In the past five years, the world’s population has grown by 400 million people, from 7.2 billion in 2014 to 7.6 billion in 2017. Although global population growth has slowed compared with previous decades, the rate has been uneven. Today, an estimated 2 billion people live in fragile and conflict affected areas of the word, where they are extremely vulnerable to the impact of conflicts and disasters. This number is projected to increase, as the population in these areas is growing twice as fast as the rest of the world, with an annual growth rate of 2.4 per cent, compared with 1.2 per cent globally. And the urban population in fragile areas grows by 3.4 per cent each year, compared with the world average of 2 per cent. These trends can compound resource scarcity and increase vulnerability to disasters. Urban population density can also amplify the impact of disasters and conflicts. In 2017, when explosive weapons were used in populated areas, 92 per cent of casualties were civilians, compared with 20 per cent in other areas. The populations of countries affected by fragility, conflict and violence are also younger than the global average. Whereas the proportion of the world’s population under 14 years of age has been steadily declining to about 25 per cent today, the average for countries in fragile situations is 40 per cent. As a result, one in every four children in the world is living in a country affected by conflict or disaster, facing threats of violence, hunger and disease. In 2017, more than 75 million children experienced disruptions to their education because of humanitarian crises, threatening not only their present well-being, but their future prospects as well.

    More people are being displaced by conflicts

    By the end of 2017, war, violence and persecution had uprooted 68.5 million men, women and children around the world – the highest number on record, and nearly 10 million more people than in 2014. Just over 40 million people were internally displaced by violence within their own countries, and 25.4 million refugees and 3.1 million asylum seekers were forced to flee their countries to escape conflict and persecution. The levels of new displacements far outstrip returns or other solutions. In 2017, 5 million people returned to their areas or countries of origin, but 16.2 million people were newly displaced – an average of one person displaced every two seconds, and the highest level of new displacement on record.

    The rise in forced displacement is not the result of an increase in conflicts. In fact, after peaking in 2014, the number of political conflicts worldwide decreased by about 10 per cent, from 424 in 2014 to 385 in 2017, although there are still more conflicts compared with a decade ago (328 in 2007). However, during the same period, the proportion of violent and highly violent conflicts, which are more likely to cause human suffering, destruction and displacement, increased from 53 per cent to 58 per cent of all conflicts worldwide.5 The total economic impact of conflict and violence has also increased, from $14.3 trillion in 2014 to $14.8 trillion in 2017.6 The major share of both the human and economic cost of conflicts is borne by developing countries, which host 85 per cent of refugees.


              

    Bolsonaro Hands Congress Bills to Tackle Brazil’s Budget Woes

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    Bolsonaro Hands Congress Bills to Tackle Brazil’s Budget Woes(Bloomberg) -- Explore what’s moving the global economy in the new season of the Stephanomics podcast. Subscribe via Pocket Cast or iTunes.President Jair Bolsonaro is seeking to exert greater control over a federal budget that’s almost totally earmarked by mandatory expenses as his administration picks new legislative priorities after the approval of a sweeping pension reform last month.The president, along with Economy Minister Paulo Guedes, headed to Congress on Tuesday to personally deliver a series of bills designed to help government officials abide by a constitutional spending cap and the so-called “golden rule” establishing that budget deficits must not exceed investment. The package also includes proposals to cut payroll expenditure by restructuring the careers of public servants.Bolsonaro and Guedes were received by Lower House Speaker Rodrigo Maia and Senate President Davi Alcolumbre, from whom they heard that lawmakers are unlikely to accept any reduction in social spending now. Bolsonaro said he hopes the bills will be approved by mid-2020.The proposals mean that, at least for now, efforts to reform Brazil’s byzantine tax system may be left on the back burner. Guedes’ plan to simplify the tax code suffered a blow when Bolsonaro rejected the reintroduction of a tax on financial transactions that was the cornerstone of the proposal. The economic team is now reworking its offering before sending it to Congress, possibly over the next few weeks.Read More: Brazil’s Massive Tax Code May Face Moment of ReckoningIt’s unclear how much traction those bills will get in parliament, where lawmakers are already discussing alternative tax reform proposals. Recent turmoil in Bolsonaro’s own party also raises questions about the ruling coalition’s ability to push legislation through the lower house and the Senate.“Even as the approval of pension reform may have evidenced Congress’ reformist side, the new batch of measures will demand a similar amount of negotiation,” XP analysts wrote in a note to clients.Read More: Guedes Waited Decades to Change Brazil and He’s Not Quitting NowHere’s an outline of the main proposals prepared by Guedes’ team:Federative PactThis project would establish a fiscal council comprising the president, the head of the supreme court, the Senate president, the lower house speaker, the chief of the audit court and some state governors. The council’s goal would be to oversee the budgets of the federal government, states and municipalities. The bill also seeks to free up the public budget to give the government more freedom to allocate revenue. More than 90% of the primary federal spending, or 1.4 trillion reais (not including interest payments) is mandatory.Emergency AmendmentThis mechanism would make it easier for elected officials to automatically trigger austerity measures that ensure compliance with the spending cap and the golden rule. The idea is to create a legal framework allowing federal and state governments as well as municipalities to reduce salaries and working hours of public servants in order to cut expenses in case of a budget emergency.Mansueto PlanThe Economy Ministry has already sent to Congress a bill to help state governments in financial crisis to gain access to bank loans guaranteed by the federal government. It also gives two more years for state governments to comply with the spending cap. In exchange, states have to adopt fiscal measures to reduce expenditure and increase revenue. The program was named after Treasury Secretary Mansueto Almeida.Administrative ReformThis plan reviews the careers of public workers. The idea is to increase the number of years a public servant takes to reach top posts in their career and lower the starting salary. For some careers, there will be a change in the employment rules for new servants. Evaluation rules for promotions will also be reviewed.FundsThis plan will review and possibly extinguish most of the 260 government funds -- including those mandated by the constitution -- that were designed to finance development projects in poor areas of the country.(Updtes with delivery of proposals to Congress, quote from analyst in sixth paragraph.)\--With assistance from Mario Sergio Lima.To contact the reporters on this story: Martha Beck in Brasilia at mbeck96@bloomberg.net;Simone Iglesias in Brasília at spiglesias@bloomberg.netTo contact the editors responsible for this story: Walter Brandimarte at wbrandimarte@bloomberg.net, Maria Luiza RabelloFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.



              

    Top Producers Silver Mine Supply Continues To Decline JAN-JUL 2019

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    Three of the largest silver producers in the world saw their combined mine supply continue to weaken in the first seven months of 2019. While Mexico and Chile experienced declines in their silver production, Peru was by far the biggest loser. Peru, which is the second-largest silver producer in the world, suffered an 11% decline in the country’s domestic mine supply Jan-Jul 2019. Even though the decline of silver mine supply at these leading producers isn’t impacting the current silver market price currently, it will likely do so as the Fed and central banks lose control of their QE money printing and asset purchase policy. In less than two weeks, the total U.S. debt has increased by another COOL $85 billion. With total U.S. public debt now at $22.92 trillion, it’s only a matter of time, maybe just a few weeks before we reach another record of $23 trillion.

    read more


              

    Debt Payoff Methods: All About the Blizzard Approach

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    So you have debt. As you probably know, you’re suffering in good company. According to the Federal Reserve, total household debt is at a staggering $13.86 trillion — and has been steadily climbing. While you might be one of millions...

    Full Story

    The post Debt Payoff Methods: All About the Blizzard Approach appeared first on MintLife Blog.


              

    Java Developer

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    NJ-North Brunswick, Ranked as a top Fortune 100 Financial Services company, our client has an opening for a Sr. Java Developer to work onsite in North Brunswick, NJ. This will initially be a 6 month contract assignment and has potential to extend up to 24 months. Imagine everything that you could learn to advance your career while working at a Fortune 100 company with around $2.0 trillion in assets. Check out the qua
              

    Juniper Research: B2B Cross Border Payments to Boom on Blockchain

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    Juniper Research predicts that B2B cross-border payments on Blockchain will boom over the next five years. The report suggests that these payments will boom from $171 billion this year to $4.4 trillion by 2024.
              

    The most stressful job(s) at Deutsche Bank, and three key questions from Goldman’s former chief recruiter

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    Although about half of its risk weighted assets have been split off into the Capital Release Unit, Deutsche’s investment bank is still just under half a trillion euro worth of balance sheet
              

    Corporate - Global Conflicts - Conflicts Management and Business Selection - Associate | J.P.Morgan

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    New York, New York, JPMorgan Chase & Co. (NYSE: JPM) is a leading global financialservices firm with assets of $2.5 trillion and operations worldwide. The firmis a leader in investment banking, financial services for co
              

    Blockchain-based Cross-border B2B Transactions to Skyrocket to $4.4 Trillion by 2024

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    New data from Juniper Research has shown that the total value of B2B cross-border payments immutably stored on blockchain will exceed $4.4 trillion by 2024; up from $171 billion in 2019. Blockchain enables real-time clearing and settlement for B2B transactions, while offering increased transparency and reduced costs. - - The new research, Blockchain: Key Vertical Opportunities, Trends & Challenges 2019-2030 , revealed that financial institutions will save $7 billion by 2024, due to...

    Read the full story at https://www.webwire.com/ViewPressRel.asp?aId=249560


              

    The Feds Spend More on National-Debt Interest Than You Think

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    Recently, the Treasury Department reported a 26% increase in the federal budget deficit with a 2019 deficit of $984 billion. The reported data on the budget can be misleading. You might think that a budget deficit is the amount of spending that exceeds budget revenue, in other words, the amount of borrowing needed to make up for this shortfall. However, in the world of Washington D.C., not all spending is counted as spending and it’s possible for the government to borrow money from itself. Let’s look at the actual Treasury Department budget numbers.

    The Treasury reports the Total Public Debt Outstanding of almost $23 trillion, which is the sum of the Intragovernmental Holdings and the Debt Held by the Public.

    There is roughly $6 trillion of Intragovernmental Holdings. This is money that the federal government says that it owes to itself. Over the years, the government has earmarked tax revenues for one use, say Social Security spending, and spent those revenues on some other category of spending. So now they owe themselves this money. However, this is not truly debt. No business or household is concerned about being in debt to itself. If you promise to spend $100 of your income on a car payment and instead you buy $100 of food, you don’t pretend that you owe yourself $100. However, in the feds’ budget this is called Intragovernmental Holdings. When looking at the debt numbers we should ignore these Intragovernmental Holdings.

    That leaves us with the Debt Held by the Public, what I consider to be the true amount of federal government debt.

    In your personal life, if you earn $100, you spend $120, and you borrow $20 to cover this shortfall, then your personal deficit is $20. Similarly, if the feds have $100 billion of revenue and spend $120 billion, then they must borrow $20 to cover this spending. That $20 increase in their debt is the deficit. So the true deficit is the change in the Debt Held by the Public.

    Here is the Treasury Department data for the Debt Held by the Public since 2001.

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    The Congressional Budget Office has reported that the 2019 deficit is the highest that it’s been in seven years. As you can see from the numbers above, that report is not quite accurate. The deficit peaked at over $1.7 trillion in 2009 and while the deficit is distressingly high, the 2018 and 2016 deficits were slightly higher. The deficits of this century under the Bush II, Obama, and Trump administrations should concern all of us. The government’s debt has increased 400% in 18 years. And we’re projected to have trillion dollars plus deficits for the foreseeable future.

    How much interest does the government pay on their debt? Since the government owes is in debt to itself, it pays itself interest. We should ignore these intragovernmental interest payments for the same reason we should ignore the intragovernmental debt.

    Fortunately, the Daily Treasury Statements provide us with the Interest on Treasury Securities. This is the actual amount of withdrawals from government accounts for interest payments, so this number ignores intragovernmental interest payments. Here are the numbers.

    randly2.PNG

    From FY 2001 to 2019, interest payments increased 88% from $162.5 billion to $305.7 billion. As I previously stated, during that same time, Debt Held by the Public increased 400%. For the last several years, the feds have taken advantage of artificially low interest rates. If interest payments had increased at the same rate as the level of debt, the 2019 interest payments would be $818 billion. For comparison sake, payments for Security Benefits in FY 2019 were $921 billion. As the government continues to pile up trillion dollar deficits, when interest rates return to a historical norm, interest payments may exceed payments to Social Security recipients. With the coming budget deficits, it’s possible that interest payments could surpass a trillion dollars annually in the next decade.

    Generally, the political class appears to be unconcerned about the budget deficits. Those who are troubled about budget issues are generally concerned that the deficits will out of control in a couple of decades. The 2019 Congressional Budget Office Long Term Budget Outlook report states that the 2019 federal debt held by the public equals “78 percent of gross domestic product (GDP) — its highest level since shortly after World War II. If current laws generally remained unchanged, growing budget deficits would boost federal debt drastically over the next 30 years, the Congressional Budget Office projects. Debt would reach 92 percent of GDP by the end of the next decade and 144 percent by 2049.”

    Don’t be fooled. A budget crisis could occur much earlier than 2049 because of the level of borrowing needed to fund the deficit and its debt payments. It’s reported that the federal government spent about $4.75 trillion last year . This ignores the government’s debt payments. According to the Treasury Department, total spending in FY 2019 was nearly $16 trillion. (In the Daily Treasury Statements, this is calls Total Withdrawals.) By reporting spending to be $4.75 trillion, the feds are hiding most of their spending from us.

    The federal government is borrowing a tremendous amount of money to make its payments on its Debt Held by the Public. The final Daily Treasury Statement of 2019 tells the story. In the past fiscal year, they borrowed $11.9 trillion (called Public Debt Cash Issues) and made debt payments of $11 trillion (called Public Debt Cash Redemptions). If we include all borrowing and debt payments to be part of the federal budget, then the $11.9 trillion of borrowing constituted 74.5% of federal spending and debt payments were 68.5% of federal spending. Debt payments in 2019 were over twice as much as all other combined spending.

    Here is the historical data for the Public Debt Cash Issues and the Public Debt Cash Redemptions.

    randly3.PNG

    Note the skyrocketing amount of borrowing in the past 19 years. Since 2001, Public Debt Cash Issues (total borrowing) increased 375% and Public Debt Cash Redemptions (debt payments) increased 311%.

    The danger here is that lenders at some point may not be willing to loan our government these trillions of dollars a year. In the last 18 years, Public Debt Cash Issues increased at an average rate of almost 9% per year. This is not sustainable. If the federal government continues to increase its borrowing at 9% annually, in 2030, the feds will need to borrow over $28 trillion to cover their spending on the deficit and debt payments. The moment lenders become unwilling to fund this budget recklessness, the government’s financial houses of cards will collapse.


              

    Operational Risk Consultant | Wells Fargo

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    Bangalore, India, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel
              

    Business Systems Consultant | Wells Fargo

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    Bangalore, India, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel
              

    Top AI Stocks: This Trillion-Dollar Industry Has Investors Excited for the Future

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    iStock.com/metamorworks Top AI Stocks The technology sector is almost always a “hurry up and wait”‘ game. Companies on the cutting edge of tech relentlessly pour years and cash into research and development, with eyes keenly focused on the long game. When it all comes to fruition with a truly breakthrough,...
              

    Other: Private Mortgage Banker - Fort Lauderdale, Florida

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    Job Description Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Private Mortgage Banker.? This individual is responsible for producing high quality jumbo residential mortgage loans that meet Wells Fargo Home Mortgage guidelines by building relationships focused on affluent borrowers with realtors, builders, financial professionals, bank stores, past customers, and other non traditional sources.? Strong sales and organizational skills are essential.? Bi-lingual job seekers are encouraged to apply.??Additional duties include: Develop knowledge of company products, policies and procedures, and underwriting requirements Understand real estate appraisals, title reports, and real estate transactions Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in Develop and maintains a high degree of visibility for WFHM in the marketplace Perform miscellaneous duties as needed and required Required Qualifications 2+ years of sales experience in financial services, outside sales experience, or a combination of both Desired Qualifications Basic Microsoft Office skills Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources Excellent verbal, written, and interpersonal communication skills Mortgage industry experience Knowledge and understanding of sales prospecting and generating referrals Bilingual speaking proficiency in Spanish/English Customer service experience A BS/BA degree or higher Experience working with ultra-high-net-worth clients Job Expectations This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org ) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary. This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents. Ability to lift 20+ pounds Reliable transportation Ability to work nights, weekends, and/or holidays as needed or scheduled Street Address FL-Boca Raton: 975 S Federal Hwy - Boca Raton, FL FL-Miami: 333 Se 2nd Ave - Miami, FL FL-Fort Lauderdale: 350 E Las Olas Blvd - Fort Lauderdale, FL Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()
              

    Trash public schools and push privatization

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    DeVos's formula for success 
    Bryan Alexander, Georgetown University

    education impact GIFWhen U.S Secretary of Education Betsy DeVos discussed the results from the 2019 National Assessment of Educational Progress, she described them as “devastating” and part of a worsening crisis in education.

    The results showed a slight decline in reading scores and a flattening in math scores.

    She noted that two out of three of the nation’s children aren’t proficient in reading. She also decried as ineffective the US$1 trillion in federal spending on education over the past 40 years, saying it has done nothing to stop the widening gap between the highest and lowest performing students.

    “We cannot abide these poor results any longer,” DeVos stated. “We can neither excuse them away nor simply throw more money at the problem.”

    As an education scholar, here are several issues that I see with DeVos’ take on the state of American education.


    Click Here to Read More >>
              

    US would need to spend at least $5 Trillion in infrastructure to retain productivity.

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    Business Backs Ramaphosa Again, Closer to Trillion-Rand-Plus Investment Target

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    [Daily Maverick] At the start of the second SA Investment Conference on Wednesday 6 November 2019, President Cyril Ramaphosa was upbeat as more than R100bn in investments was pledged by about a dozen companies and business partnership forums before morning tea.
              

    Sanders blasts Apple for $2.5B investment to fight housing crisis

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    Independent Vermont senator and 2020 presidential hopeful Bernie Sanders is not impressed by tech giant Apple’s efforts to increase the supply of affordable housing in California amid a growing crisis. In a statement on Monday evening, Sanders called out the Cupertino, California-based company out for trying to distract from a problem it helped create. “Apple's announcement that it is entering the real estate lending business is an effort to distract from the fact that it has helped create California's housing crisis – all while raking in $800 million of taxpayer subsidies, and keeping a quarter trillion dollars of profit offshore,...
              

    China's Oct forex reserves rise to $3.105 trillion

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    BEIJING, Nov 7- China's foreign exchange reserves rose $12.7 billion in October to $3.105 trillion, central bank data showed on Thursday. China has been able to keep capital outflows under control over the past year despite an escalating trade war with the United States and weakening economic growth at home. The value of China's gold reserves rose to $94.65...
              

    UPDATE 1-Toyota posts 14% rise in Q2 operating profit as car sales rise

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    *Sets USD/JPY assumption rate 107 yen vs pvs forecast 106 yen. Toyota maintained its forecast for annual operating profit of 2.4 trillion yen, down slightly from 2.47 trillion yen last year, although it now expects the yen to trade at 107 yen to the U.S. dollar, versus a previous forecast of 106 yen. Sales in North America, Toyota's biggest market, rose 5.6%, while sales...
              

    11/04 Links Pt2: Poll: Almost 50% of UK Jews will 'seriously consider' leaving if Corbyn wins elections; Historian: New evidence shows FDR’s bigotry derailed many Holocaust rescue plans; Ray Charles in Israel

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    From Ian:

    Poll: Almost 50% of UK Jews will 'seriously consider' leaving if Corbyn wins elections
    Britain's Jewish community so deeply concerned by the prospect of Labour Party leader Jeremy Corbyn winning the next general election that community leaders have launched a campaign to undermine his premiership candidacy.

    A recent poll by the Jewish Leadership Council, a British-Jewish advocacy group, found that 47% of British Jews would "seriously consider" emigrating if Corbyn is elected prime minister.

    Some 87% of British Jews believed Corbyn to be anti-Semitic, and 90% said they will not vote for Labour, the poll found.

    UK Prime Minister Boris Johnson called the general elections, set for Dec. 12, following his failure to push the Brexit deal through Parliament. Johnson's promise to have the UK leave the European Union by Oct. 31 had been a key element in the Conservatives' leadership bid, which brought him to power in July.

    Corbyn has been repeatedly lambasted for his failure to tackle anti-Semitism within Labour. In 2018, the party received 863 complaints of anti-Semitism but took action in only 101 of those cases. Worse, Labour members who have publicly made statements such as "Jews are the problem" have remained in the party despite complaints against them.


    According to the Jewish Chronicle, prominent British Rabbi Jonathan Romain has even taken the unprecedented step of urging congregants to vote against Labour, warning that a Corbyn-led government "would pose a danger to Jewish life as we know it."

    "I should stress that th