Health Insurance Jobs in Nashville, Tennessee

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Data Operations Subject Matter Expert (Nashville, TN)

Company: Philips

Location: Nashville, TN

Posted Mar 15, 2024

<p><strong>Job Title<strong> <p> <p>Data Operations Subject Matter Expert Nashville TN <p> <p><strong>Job Description<strong> <p> <p><b>Data Operations Subject Matter Expert Nashville TN<b> <p> <p>You will be responsible for improving data management utilization data accuracy and automated data verification across the value stream enabling datadriven decisionmaking leveraging scaled data capabilities and driving productivity through endtoend analyses for the GBS NAM functions Financial Services Supply Chain Management HRPPS CFC Commercial amp Service Campaign Management Sleep amp Respiratory Service Operations Proposal Management Procurement Transition Team Quality amp Regulatory <p> <p><b>Your role<b> <p> <ul><li>Managing and ensuring data quality integrity normalization and accuracy of available datasets Improve data quality as per the data quality framework and working with the data owner Internal and external benchmarking to establish things influencing data quality<li> <li>Managing and designing the reporting environment including data sources security and metadata Generate business insights using BI dashboards that shall provide clear directionsactions to senior managers to support decisionmaking<li> <li>Support digitization and data verification automation to improve the quality of data and reduce manual work Root cause analysis by using quality analysis tools machine learning and statistics<li> <li>Advanced statistical techniques for complex data analysis Interpreting data analyzing results using statistical techniques and developing analytical reports<li> <ul><p><b>Youre the right fit if <b> <p> <ul><li>Youve acquired 3+ years of experience working as a Data Analyst in Supply Chain<li> <li>Your skills include experience with QlikView Adobe Analytics Google 360 Python R Programming Scala Apache Spark and AWS Redshift Knowledge of analytics tools like Tableau Power BI Excel VBA Macros RSPSS SAS is an added advantage<li> <li>You have working experience as a data analyst or business data analyst working on Business intelligence toolsplatforms and systems<li> <li>Youve demonstrated business results and impact with analytical numeric skills and the ability to convey data story through visualization<li> <li>You have a Bachelor or Master Degree in Computer Science Information management Statistics or related field<li> <ul><ul><li>You must be able to successfully perform the following minimum Physical Cognitive and Environmental job requirements with or without accommodation for this position<li> <ul><p><b>Additional Information<b> <p> <ul><li>US work authorization is a precondition of employment The company will not consider candidates who require sponsorship for a workauthorized visa now or in the future<li> <li>Company relocation benefits <b>will not<b> be provided for this position For this position you must reside in <b>or<b> within commuting distance of Nashville TN<li> <ul><p><b>About Philips<b> <p> <p>We are a health technology company We built our entire company around the belief that every human matters and we wont stop until everybody everywhere has access to the quality healthcare that we all deserve Do the work of your life to help improve the lives of others <p> <ul><li>Learn more about our business<li> <li>Discover our rich and exciting history<li> <li>Learn more about our purpose<li> <li>Read more about our employee benefits<li> <ul><p>If youre interested in this role and have many but not all of the experiences needed we encourage you to apply You may still be the right candidate for this or other opportunities at Philips Learn more about our commitment to diversity and inclusion here <p> <p>LIPH1 <p> <p>LIHybrid <p> <p>Philips is an Equal Employment and Opportunity EmployerDisabledVeteran and maintains a drugfree workplace<p>

Senior Category Sourcing Manager- Marketing

Company: Philips

Location: Nashville, TN

Posted Mar 15, 2024

<p><strong>Job Title<strong> <p> <p>Senior Category Sourcing Manager Marketing <p> <p><strong>Job Description<strong> <p> <p><b>Category Sourcing Manager Procurement Professional Americas<b> <p> <p>Philips is looking for an experienced professional to strategically source and manage the relationships with key marketing suppliers supporting our North America and Latin America business <p> <p><b>Your role<b> <p> <ul><li>You will be responsible for helping improve Philips brand recognition market awareness and product sales for stakeholders through competitive sourcing effective negotiations quality service delivery and continuous improvement activities with suppliers within the Marketing spend category<li> <li>Philips is looking for experience supporting marketing activities including media buying content creation and pushdirect marketing Primary stakeholders relevant to this role include Philips Personal Health consumer and Health Systems commercial product businesses<li> <li>As part of the Spend Management organization this role will collaborate with the marketing groups across Philips business segments and global counterparts across the geographic regions impacting strategy development and implementation leading bidding events and contract negotiations and establishing and utilizing metrics to monitor and improve supplier performance<li> <li>Philips enjoys a hybrid work environment for most professional roles balancing inperson interaction with colleagues and peers with the ability to work remotely We also believe in career growth advocating personal development within the role and potential future roles within the company Experience in this position could lead to responsibilities for larger spend categories global positions within the broader Procurement community or roles in other tangential groups based on your total career history<li> <li>From comprehensive medical benefits and retirement contributions to working toward improving the lives of billions of people as a healthcare company a career at Philips comes with all sorts of wonderful benefits<li> <ul><p>Company relocation benefits <b>will not<b> be provided for this position For this position you must reside in <b>or<b> within commuting distance to Nashville <p> <p><b>Youre the right fit if<b> <p> <ul><li>8+ years relevant experience Supply Chain Management Procurement Marketing Business<li> <li>Selfmotivation problem solving influencing data analytics project change management stakeholder and supplier management communications Microsoft Office Word Excel and PowerPoint<li> <li>Bachelors Degree in related field certification preferred CPM CPSM CPSD<li> <li>Ability to travel up to 15<li> <ul><p><b>About Philips<b> <p> <p>We are a health technology company We built our entire company around the belief that every human matters and we wont stop until everybody everywhere has access to the quality healthcare that we all deserve Do the work of your life to help the lives of others Learn more about our business Discover our rich and exciting history Learn more about our purpose <p> <p>If youre interested in this role and have many but not all of the experiences needed we encourage you to apply You may still be the right candidate for this or other opportunities at Philips Learn more about our commitment to diversity and inclusion here <p> <p>LIPH1 <p> <p>CIRCA <p> <p>Philips is an Equal Employment and Opportunity EmployerDisabledVeteran and maintains a drugfree workplace<p>

Account Manager, Manufacturing

Company: Grainger

Location: Nashville, TN

Posted Mar 15, 2024

<p><b> Work Location Type <b><b><b>Onsite<b><b><b><b> <br >As a leading industrial distributor with operations primarily in North America Japan and the United Kingdom We Keep The World Working® by serving more than 45 million customers worldwide with products delivered through innovative technology and deep customer relationships With 2023 sales of $165 billion were dedicated to providing value for customers fostering an engaging culture for team members and driving strong financial results <br >Our welcoming workplace enables you to learn grow and make a difference by keeping businesses running and their people safe As a 2024 Glassdoor Best Place to Work and a Great Place to WorkCertified™ company were looking for passionate people to join our team as we continue leading the industry over our next 100 years <br ><b>Position Details <b> <br >Account Managers will produce positive sales growth for a specific geography or vertical market with an average of 3035 current accounts and average of $2 to $35M dollars annually Use Graingers Customer Relationship Management CRM Salesforce to perform all the aspects of business daily You will report to the District Sales Manager of Manufacturing <br ><b>You Will <b> <br ><p><ul><li>Understand customer goals and remain alert and responsive to changing customer needs<li> <li>Demonstrate knowledge of market data and access to resources to quickly respond to new developments in the customers business<li> <li>Oversee support of managed inventory tasks to guide greater understanding of the customers increase contacts within the customer group and increase sales results<li> <li>Understand Graingers Value Proposition by providing solutions to grow profitable sales<li> <li>Develop account penetration strategies to include regular business reviews for essential customers to maximize sales<li> <ul><p> <br ><b>You Have <b> <br ><p><ul><li>3+ years of direct outside sales experience<li> <li>Sales forecasting opportunity management and customer planning<li> <li>Travel required to each customer within aligned market at least once per month or more frequently where needed<li> <li>Process discipline ability to align planning goals with a pipeline development process to grow market revenue<li> <li>Ability to utilize sales process to uncover customer objectionsconcerns and determine appropriate solutions<li> <li>High School diploma or GED<li> <ul><p> <br ><b>Rewards and Benefits <b> <br >With benefits starting day one Grainger is committed to your safety health and wellbeing Our programs provide choice and flexibility to meet our team members individual needs Check out some of the rewards available to you at Grainger <br ><p><ul><li>Medical dental vision and life insurance plans<li> <li>Paid time off PTO and 6 company holidays per year<li> <li>Automatic 6 401k company contribution each pay period<li> <li>Employee discounts parental leave 31 match on donations and tuition reimbursement<li> <li>A comprehensive set of emotional financial physical and social wellbeing programs<li> <ul><p> <br >We are committed to equal employment opportunity regardless of race color ancestry religion sex national origin sexual orientation age citizenship marital status disability gender gender identity or expression or veteran status We are proud to be an equal opportunity workplace <br >We are committed to fostering an inclusive accessible environment that includes both providing reasonable accommodations to individuals with disabilities during the application and hiring process as well as throughout the course of ones employment With this in mind should you need a reasonable accommodation during the application and selection process please advise us so that we can provide appropriate assistance<p>

Supply Chain Manager

Company: Philips

Location: Nashville, TN

Posted Mar 15, 2024

<p><strong>Job Title<strong> <p> <p>Supply Chain Manager <p> <p><strong>Job Description<strong> <p> <p>Join our growing team to evaluate and create endtoend E2E supply chain and project planning concepts and scenarios aligning with our business strategy while partnering with the North America Region NAR Integrated Supply Chain and Business Group experts to translate strategic business plans into operational excellence in MarkettoOrder M2O and OrdertoCash O2C <p> <p><b>Your role<b> <p> <ul><li>To lead process management efforts to ensure there are clear handoffs and ownership in each step in the supply chain to reduce defective arrivals Actively drive E2E value stream integration by identifying value drivers and encouraging crossfunctional collaboration to improve operational excellence and customer value Cooperate with NAR Integrated Supply Chain and Business Group specialists and partners to reach consensus<li> <li>Improve processes and provide sustainable solutions to the responsible organization in their daily operations Drive NAR and Supply Chain process improvement to support tactical budgetary and operational strategies Consult with IT and platform specialists to understand needs and approve IT solution designs<li> <li>Promote continuous improvement by using LEAN and Philips Excellence Practices Actively promotes quality and develops ways to boost customer happiness and efficiency Persuade and negotiate to find answers Perform other tasks and projects as directed<li> <li>Perform other duties and projects as assigned<li> <ul><p><b>Youre the right fit if <b> <p> <ul><li>Youve acquired 5+ years of experience in supply chain management project planning and scheduling logistics and distribution management with demonstrated ability to lead cross functionally to achieve overall business objectives<li> <li>Your skills include the ability to manage crossfunctionally with an emphasis on continuous improvement and LEAN methodology and a thorough understanding of supply chain principles and their financial implications<li> <li>You have a Bachelor of Science or Business Degree preferred Masters a plus<li> <li>You must be able to successfully perform the following minimum Physical Cognitive and Environmental job requirements with or without accommodation for this position<li> <li>Youre an excellent communicator with the capacity to lead with a continuous improvement and lean attitude ability to thrive in a fastpaced atmosphere have a flexible work style a creative mind and the ability to think outside the box<li> <ul><p><b>About Philips<b> <p> <p>We are a health technology company We built our entire company around the belief that every human matters and we wont stop until everybody everywhere has access to the quality healthcare that we all deserve Do the work of your life to help improve the lives of others <p> <ul><li>Learn more about our business<li> <li>Discover our rich and exciting history<li> <li>Learn more about our purpose<li> <li>Read more about our employee benefits<li> <ul><p>If youre interested in this role and have many but not all of the experiences needed we encourage you to apply You may still be the right candidate for this or other opportunities at Philips Learn more about our commitment to diversity and inclusion here <p> <p><b>Additional Information<b> <p> <p>US work authorization is a precondition of employment The company <b>will not<b> consider candidates who require sponsorship for a workauthorized visa now or in the future <p> <p>Company relocation benefits <b>will not<b> be provided for this position For this position you must reside in <b>or<b> within commuting distance to <b>Nashville TN<b> or <b>Cambridge MA<b> <p> <p>Philips is an Equal Employment and Opportunity EmployerDisabledVeteran and maintains a drugfree workplace<p>

Human Resources Analyst

Company: Cortex Sustainability Intelligence

Location: Nashville, TN

Posted Mar 16, 2024

<p>We are looking for a driven Human Resources Generalist who has a passion for people and making a difference Our teammate will work crossfunctionally with different departments to recruit new talent and develop a culture of growth and development You will report directly to the SVP of Customer Success amp Operations If you love being part of a driven team and thrive in a changing environment this is the role for you<p> <p><strong>Who are we<strong><p> <p>With a ten year track record serving the largest class A office owners including ESRT and Savanna Cortex is a proven solution to turn ESG ambitions into improved NOI and reduced operating costs Realtime insights and recommendations are served to building teams proactively to reduce waste and spend We unlock visibility across portfolios to save owners and tenants money every day and accelerate the path to net zero<p> <p><strong>Key Responsibilities include<strong><p> <p><strong>Recruiting<strong><p> <ul><li>Own the candidate experience by designing and managing job postings job descriptions and position requirements<li> <li>Source candidates using a variety of search methods to build a robust candidate pipeline <li> <li>Screen candidates by reviewing resumes and performing phone screenings<li> <li>Schedule interviews for candidates<li> <li>Serve as point of contact for candidates throughout the recruiting process<li> <ul><p><strong>Employee Experience and Benefits<strong><p> <ul><li>Manage onboarding and offboarding for employees in coordination with team leads<li> <li>Serve as leader of Cortexs Culture Committee by defining objectives involving proper stakeholders and sharing actionable insights with the Leadership Team<li> <li>Act as culture ambassador for Cortex by abiding by and promulgating core company values<li> <li>Strategize ways to continuously improve company culture <li> <li>Plan and manage all logistics around team events Summer Offsite Holiday Party and Hackathons etc<li> <li>Field questions from employees regarding benefits and payroll work with Director of Finance as needed<li> <li>Manage relationship with PEO provider Justworks <li> <ul><p><strong>Analytical and Administrative Support<strong><p> <ul><li>Act as an analytical athlete working on a multitude of different types of business problems in support of the sales operations and customer success teams<li> <li>Be the lead office manager ensuring all team members have the tools and technology they need to do their job effectively<li> <ul><p><strong>Qualifications<strong><p> <ul><li>At least 1+ years of experience working in an HR or Recruiting role<li> <li>Advanced attentiontodetail and time management skills<li> <li>Excellent verbal and written communication skills both internally and externally<li> <li>Strong analytical skills with the ability to collect organize analyze and disseminate data effectively<li> <li>Demonstrated problem solving abilities and capability to work independently as well as in a team<li> <li>Proficiency in Microsoft and Google Suites<li> <li>Location Nashville TN preferred<li> <ul><p><strong>Benefits<strong><p> <ul><li>Competitive compensation and equity <li> <li>Access to 6 medical plans Cortex covers 100 of the premiums for base plan<li> <li>Access to 3 dental plans Cortex covers 100 of the premiums for base plan<li> <li>Access to 2 visions plans<li> <li>Online mental health support through Talkspace<li> <li>Access to Health Spending Account and Flexible Spending Account<li> <li>Access to 401k plan<li> <li>10 paid holidays<li> <li>Unlimited paid time off<li> <ul><p>Cortex provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race color religion age sex national origin disability status genetics protected veteran status sexual orientation gender identity or expression or any other characteristic protected by federal state or local laws<p>

Bill Pay and Operations Manager

Company: First Horizon Bank

Location: Nashville, TN

Posted Mar 15, 2024

<p>About Us <p> <p>First Horizon Corp NYSE FHN with approximately $90 billion in assets is a leading regional financial services company dedicated to helping our clients communities and associates unlock their full potential with capital and counsel Headquartered in Memphis TN the banking subsidiary First Horizon Bank operates in 12 states across the southern US The Company and its subsidiaries offer commercial private banking consumer small business wealth and trust management retail brokerage capital markets fixed income mortgage and title insurance services First Horizon has been recognized as one of the nations best employers by Fortune and Forbes magazines and a Top 10 Most Reputable US Bank <p> <p>Summary <p> <p>This position is responsible for a variety of functions related to the bill payment and document organization for affluent clients Duties include performing various accounts payable functions for clients with a bill pay contract through Family Office Services Position will assist Financial Planners Para Planner Accountants and be responsible for managing the office and employees This position requires you to be in the office daily <p> <p>Key Responsibilities <p> <p>The FOS Bill Pay amp Operations Manager is a highly motivated selfstarter willing to develop implement and maintain operational systems that respond promptly and professionally to client customer service needs and oversees daytoday bill payments with accurate and timely record keeping Areas of focus include receive and organize incoming mail pay client bills troubleshoot issues and questions with client bill payments file documents electronically receive organize file and research receipts for accounting team Accuracy and attention to detail is extremely important <p> <p> The FOS Bill Pay amp Operations Manager will enter client data in Wealth Management System and BILL work with Para Planner to onboard new bill pay clients assist with annual compliance review and audit back up for client birthday and anniversary cards monitor and order office supplies as needed and provide backup for the Para Planner <p> <p> The FOS Bill Pay amp Operations Manager will also support the department with other initiatives as determined by the Family Office Services Manager Duties may include assignment of special projects scanning preparing spreadsheets disseminating material and phone coverage <p> <p>Qualifications Include <p> <p>Some college required andor minimum of 57 years working experience in a related field <p> <p>Above average computer skills are required <p> <p>Prior management experience of 12 years <p> <p>Excellent verbal communications <p> <p>High level of accuracy and quality <p> <p>Ability to work with little or no supervision and work as a team member <p> <p>Proficiency with PC based special applications knowledge of QuickBooks andor Billcom a plus <p> <p>Work under pressure and deadlines <p> <p>Strong organizational and followup skills <p> <p>Benefit Highlights Medical with wellness incentives dental and vision HSA with company match Maternity and parental leave Tuition reimbursement Mentor program 401k with 6 match More FirstHorizoncomFirstHorizonNationalCorporationCareersOurBenefits <p> <p>Follow Us <p> <p>Facebook facebookcomFirstHorizonBank <p> <p>Twitter twittercomFirstHorizonBnk <p> <p>LinkedIn linkedincomcompanyfirsthorizonbank <p> <p>Instagram instagramcomfirsthorizon <p> <p>YouTube youtubecomchannelUCEVs5OMjb0H9Dr5Q209Q <p> <p>Corporate Diversity Commitment <p> <p>We remain committed to creating a more equitable society and that starts with our associates our clients and the communities we serve We do this by elevating equity providing capital and counsel and committing to excellence in everything we do <p> <p>Equal Opportunity EmployerProtected VeteransIndividuals with Disabilities <p> <p>The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about discussed or disclosed their own pay or the pay of another employee or applicant However employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information unless the disclosure is a in response to a formal complaint or charge b in furtherance of an investigation proceeding hearing or action including an investigation conducted by the employer or c consistent with the contractors legal duty to furnish information 41 CFR 60135c<p>

Manager, Data Science

Company: Thyme Care

Location: Nashville, TN

Posted Mar 14, 2024

<p><strong>OUR MISSION<strong><p> <p>Thyme Care is the leading <strong>valuebased cancer care partner<strong> collaborating with payers and providers to transform the experience and outcomes for individuals living with cancer The company partners with health plans employers and riskbearing providers to assume accountability for enhanced care quality improved health outcomes and reduced total cost of care Thyme Cares approach combines a technologyenabled Care Team and seamless integration with providers creating a hybrid collaborative care delivery model that guides and supports the entire patient journey Thyme Care empowers over 300 oncologists nationwide through purposebuilt tech advanced data analytics and virtual patient engagement driving better care and outcomes in valuebased arrangements Thyme Care is a founding member of CancerX and is backed by leading investors To learn more about how Thyme Care is enabling the shift to valuebased care in oncology visit wwwthymecarecom<p> <p><strong>WHAT YOULL DO<strong><p> <p>As a Manager Data Science on the Care Model Insights team you will lead and develop a team of talented data scientists in building out the foundation for and continuously improving Thyme Cares suite of data products and operational analytics The Care Model Insights team takes in EHR claims and ADT data to produce information that powers our internalfacing clinical care tool and enables our teams to understand their operational effectiveness Those deliverables and insights empower nearly every team at Thyme Care and are central to our success <p> <p>In this role you will work closely with stakeholders Clinical Operations Care Team Product etc to understand the business the outcomes were pushing toward and our operational cadences Its important that you know how to prioritize deliverables and are able to balance external asks with building out our data infrastructure You will ensure that data from external sources and our internal applications are modeled analyzed and translated into highvalue insights to evaluate and continuously enhance Thyme Cares care model<p> <ul><li>Learn our tech stack and analytics inside and out and contribute to building out our technological solutions such as data marts in DBT data visualizations in Looker and data ingestion pipelines<li> <li>Collaborate with the product team to develop a compelling roadmap that produces solutions to challenges that our clinical teams face and improves our ability to answer these questions more quickly in the future<li> <li>Understand our member populations identify trends in and factors contributing to population health outcomes and help shape our care model<li> <li>Lead the prioritization of data science deliverables across multiple stakeholders<li> <li>Guide data scientists on the Care Model insights team to build welltested and performant pipelines and wellorganized data models<li> <li>Identify and address expected and unforeseen data complexities to mitigate their impact on the analytic outcome and associated business decisions <li> <ul><p><strong>WHAT LEADS TO SUCCESS<strong><p> <ul><li><strong>Act with our members in mind<strong> Thyme Cares mission and in particular our member experience matters deeply to you <li> <li><strong>Move with purpose <strong>Youre biased to action You know how to identify and prioritize your initiatives needs and do what it takes to ensure that urgent and important needs are acted on immediately<li> <li><strong>Seek diverse perspectives<strong> You are humble and proactively seek feedback from others Youre always looking to learn and grow <li> <li><strong>Domain knowledge<strong><em> <em>Its important you come to the table with healthcare experience <em> <em>Youve worked with healthcare data such as EHR claims and ADT data to measure and understand cost and quality of care Wed bet youve worked for a health plan in a data role at a healthcarefocused technology startup <li> <li><strong>Technical expertise and leadership <strong>You have led teams of analytical engineers and data scientists to translate data into insights and can provide technical guidance in design documents and code reviews You have the technical skills to get your hands dirty and produce highquality work as needed<li> <li><strong>Curiosity<strong> You have a drive to understand how things work and love sharing that knowledge with others<li> <li><strong>Comfort with ambiguity<strong> You have a proven track record of success within scaling businesses fastpaced environments and ambitious startups You know how to chart a course through ambiguous challenges<li> <ul><p><strong>OUR VALUES<strong><p> <p><em>At Thyme Care our core valuesAct with our members in mind Move with purpose and Seek diverse perspectivesguide us in everything we do They anchor our business decisions including how we grow the products we make and the paths we chooseor dont choose<em><p> <p><em>We recognize a history of inequality in healthcare Were here to challenge the status quo and create a culture of inclusion through the care we give and the company we build We embrace and celebrate a diversity of perspectives in reflection of our members and the members we serve We are an equal opportunity employer<em><p> <p><em>We are committed to promoting the health and wellbeing of all individuals As a provider of cancer care navigation we recognize that those with cancer constitute a vulnerable population at risk of contracting COVID19 As such Thyme Care employees are expected to be fully vaccinated against COVID19 as defined by the Centers for Disease Control and Prevention subject to conflicting laws and exemptions based on medical or religious objections<em><p> <p><em>Our salary ranges are based on paying competitively for our size and industry and are one part of the total compensation package that also includes equity benefits and other opportunities at Thyme Care Individual pay decisions are based on a number of factors including qualifications for the role experience level skillset geography and balancing internal equity relative to other Thyme Care employees In accordance with New York City law the base salary for this role if filled within New York City is $180000$205000 The salary range could be lower or higher than this if the role is hired in another location We also believe that your personal needs and preferences should be taken into consideration so we allow some choice between equity and cash<em><p>

Refund Associate

Company: Charlie Health

Location: Nashville, TN

Posted Mar 14, 2024

<div><b><b><b><strong>Why Charlie Health<strong><b> <p>Young people across the nation are grappling with a mental health crisis characterized by escalating rates of depression anxiety trauma substance use disorders and suicide Individuals who seek support are met by geographical and financial barriers driving increased urgency for a new approach to behavioral health treatment<p> <p>At Charlie Health our mission is to connect the world to lifesaving mental health treatment Our treatment programs combine curated peer groups individual therapy and family therapy into personalized evidencebased treatment plans to provide longterm healing from home By prioritizing connections among young people with shared mental health experiences and goals Charlie Health fosters sustainable healing and achieves industryleading clinical outcomes with over 90 of our clients seeing improvement in their most severe mental health symptoms<p> <p>Every member of the Charlie Health team is fueled by an unwavering passion for our mission If you share this commitment we invite you to join us in making a tangible impact on the mental health landscape<p> <div> <p><b><strong>About the Role<strong><b> <p><p>The purpose of this position is to ensure patient accounts are accurately reflected according to proper claims accounting when reviewing credit balances due to either the patient or the insurance payer Given the complexities of the insurance contracts and patient financial records it is vital we have strong analytical customer focus driven individuals in this role<p> <p>Our team is comprised of passionate forwardthinking professionals eager to take on the challenge of the mental health crisis and play a formative role in providing lifesaving solutions We are looking for a candidate who is inspired by our mission and excited by the opportunity to increase access to mental healthcare and impact millions of lives in a profound way<p> <p><b><strong>Responsibilities<strong><b> <p><ul><li>Review and research patient accounts with credit balances Contact insurance payers and patients to help determine resolution Evaluate documentation for posting or payment discrepancies Initiate a refund or validate a corrected claim using billing software based on payer regulations and departmental policies and procedures Recognizes and reports trends and potential problems with billing and posting issues that create credit balances Documents all actions taken<li> <li>Validate all requests from insurance payers for a refund ensuring they are legitimate in accordance with our contractual obligations Initiate a refund within the required timeframe Documents all actions taken<li> <li>Reviews payer bulletins and websites for changes in rules and regulations Corresponds with the Billing team and Commercial Strategy on any updates from bulletins andor websites<li> <li>Responds to all refund requests for timely claim resolution and prompt patient customer service<li> <li>Performs in accordance with accepted procedure and responds to special requests by management in a timely and accurate manner<li> <li>Adheres to the policies and procedures Uses tact and courtesy in all interactions including but not limited to staff patients and payers Promotes a positive image and supports management in goals and objectives Handles inquiries and complaints discreetly and effectively<li> <ul><p><b><strong>Requirements<strong><b> <p><ul><li>3+ years of payer refund experience preferably in behavioral health<li> <li>Knowledge of payer specific requirements<li> <li>Experience in navigating payer websites<li> <li>Highly organized and able to track workflows through various tools<li> <li>Proficiency with medical record technology required<li> <li>Proficiency in Microsoft office required<li> <li>Knowledge of medical billing practices office policies and procedures<li> <li>Knowledge of all confidential requirements regarding patients and strict maintenance of proper confidentiality on all such information<li> <li>Excellent written and verbal communication skills <li> <li>Strict attention to details <li> <li>Able to work a hybrid schedule of 4 days per week in our Nashville office and located within 75 minutes commuting distance of the office<li> <ul><p><b><strong>Benefits<strong><b><br ><p><p>Charlie Health is pleased to offer comprehensive benefits to all fulltime exempt employees Read more about our benefits <span>here<span><p> <p><em><strong>Additional Information<strong><em><p> <p><span datasheetsroot=1 datasheetsvalue= we= are= not= currently= considering= applicants= in= ca= co= ny= and= wa= for= this= position= datasheetsuserformat=>Note We are not currently considering applicants in CA CO NY and WA for this position <span>LIHYBRID<span><span><p> <div><b><b><b>Our Values<b> <ul><li>Connection<li> <ul><li>Care deeply<li> <ul><li>We care personally about every single person in the Charlie Health ecosystem our clients providers and team members alike<li> <ul><li>Inspire hope<li> <ul><li>We inspire hope with every interaction reminding our clients that we truly and unconditionally believe in them<li> <ul><ul><li>Congruence<li> <ul><li>Stay curious<li> <ul><li>We ask why five times before were satisfied with the answer We dont stick to the status quo we challenge our assumptions and remain humble<li> <ul><li>Heed the evidence<li> <ul><li>Above all were resultsoriented When we find data that calls our original plan into question we modify or pivot<li> <ul><ul><li>Commitment<li> <ul><li>Act with urgency<li> <ul><li>We work as swiftly as possible The mental health crisis is relentless and so are we<li> <ul><li>Dont give up<li> <ul><li>Our clients dont give up and neither do we Persistence is our superpower<li> <ul><ul><ul><p><br ><p><p><em>Please do not call our public clinical admissions line in regard to this or any other job posting<em><p> <p><em>Please be cautious of potential recruitment fraud If you are interested in exploring opportunities at Charlie Health please go directly to our Careers Page httpswwwcharliehealthcomcareerscurrentopenings Charlie Health will never ask you to pay a fee or download software as part of the interview process with our company In addition Charlie Health will not ask for your personal banking information until you have signed an offer of employment and completed onboarding paperwork that is provided by our People Operations team All communications with Charlie Health Talent and People Operations professionals will only be sent from charliehealthcom email addresses Legitimate emails will never originate from gmailcom yahoocom or other commercial email services<em><p> <p><em>Recruiting agencies please do not submit unsolicited referrals for this or any open role We have a roster of agencies with whom we partner and we will not pay any fee associated with unsolicited referrals<em><p> <p><em>At Charlie Health we value being an Equal Opportunity Employer We strive to cultivate an environment where individuals can be their authentic selves Being an Equal Opportunity Employer means every member of our team feels as though they are supported and belong We value diverse perspectives to help us provide essential mental health and substance use disorder treatments to all young people<em><p> <p><em>Charlie Health applicants are assessed solely on their qualifications for the role without regard to disability or need for accommodation<em><p> <div>

Salesforce Administrator

Company: Zeta Global

Location: Nashville, TN

Posted Mar 14, 2024

<p><br ><p><p><strong><span datacontrast=none>WHO WE ARE<span><strong><strong><span datacontrast=none> <span><strong><span dataccpprops=> <span><p> <p><span datacontrast=none>Zeta Global NYSE ZETA is the AIPowered Marketing Cloud that leverages advanced artificial intelligence AI and trillions of consumer signals to make it easier for marketers to acquire grow and retain customers more efficiently Through the Zeta Marketing Platform ZMP our vision is to make sophisticated marketing simple by unifying identity intelligence and omnichannel activation into a single platform powered by one of the industrys largest proprietary databases and AI Our enterprise customers across multiple verticals are empowered to personalize experiences with consumers at an individual level across every channel delivering better results for marketing programs Zeta was founded in 2007 by David A Steinberg and John Sculley and is headquartered in New York City with offices around the world<span dataccpprops=> <span><span dataccpprops=> <span><span><p> <p><strong><span datacontrast=none>THE ROLE<span><strong><p> <p>The Salesforce Administrator will own Salesforce CRM design and function to support Sales amp Marketing needs Reporting to the VP of Finance core responsibilities include supporting Sales processes like opportunity entry and pipeline tracking Marketing Operations like campaign tracking lead capture and management and Finance reporting for forecasting and invoicing purposes <p> <p>You will be in a key role on a team tasked with maintaining and customizing Zetas existing Salesforce CRM instance including connectivity to key plugins LinkedIn Tableau Hubspot NetSuite Crossbeam ZoomInfo as well as Zeta proprietary marketing cloud email and DSP capabilities You will serve as owner of all data and CRMmarketing automation tools in a fastpaced marketing technology company where we encourage creative solutions and results driven thinking <p> <p>You will be part of leadership team conversations weekly sales calls with Sales SVPs and their direct reports monthly financial review and cadence reporting and part of each marketing campaign launched by the VP of Marketing You must be comfortable managing large imports of customer data making metricsdriven recommendations and focused on driving impact to aid companys growth and teams success<strong> <strong><p> <p><strong>Essential Responsibilities<strong><p> <p><strong><u>Sales<u><strong><p> <ul><li>Support the Operations team by optimizing the Salesforce CRM environment to meet the needs of various departments and business units This includes but is not limited to Improving the Enterprise Sales teams opportunity amp forecasting process troubleshooting process breakdowns modifying and improving existing processes in partnership with the VP of Finance<li> <li>Align with sales enablement teams to support account planning initiatives for the Enterprise Sales team<li> <li>Assist in onboarding of new team members into CRM and provide internal support during transitional periods<li> <li>Provide support with data cleansing amp data management using industry specific tools such Crossbeam Hubspot and other tools that are plugged into Salesforce<li> <li>Provide support during new development of objects processes and environments within CRM environment<li> <li>Lead CRM integration efforts required during acquisition of other organizations and technologies<li> <ul><p><strong><u>Marketing <u><strong><p> <ul><li>Oversee all marketing automation initiatives for various business units This includes but is not limited to Improving Website analytics Lead Generation Lead Capturing Lead Nurturing Campaigns and final integration into CRM<li> <li>Operate across sales and marketing tools for streamlined lead list management process updates and the continued evolution of lead list gotomarkets<li> <li>Ability to manage backend<li> <li>Consistently research and make improvements to marketing automation procedures amp analyze effectivenessshortcomings of current processes<li> <li>Ability to pulls lead lists of prospects andor clients directly from paid LinkedIn platform for further targeting reach across email and site<li> <ul><p><strong><u>General<u><strong><p> <ul><li>Provide updates to internal teams on new developments challenges or general status of various projects<li> <li>Process JIRA tickets from across the company that can have a wide range of asks including but not limited to 1 Report and Dashboard generation 2 System integration and support 3 Troubleshooting issues 4 Supporting sales process flows for improved communication<li> <li><strong> <strong>Responding to internal administrative requests when related to CRM or Marketing Automation tools<li> <ul><p><strong>Desired Characteristics<strong><p> <ul><li>Minimum of 2 yearsexperience in a Sales amp Marketing Operations role supporting marketing strategies and sales plans that delivered strong business results<li> <li>Administrator experience in managing large data importsexports via Salesforce or another CRM system<li> <li>Ability to analyze data and identify areas of input improvement for system design<li> <li>Salesforce Administrator Certification a plus<li> <li>Understanding of lead generation process and managing sales prospects though a sales pipeline process<li> <li>BABS preferred<li> <li>Understanding of the latest sales tools and optimizing existing sales software especially Salesforce<li> <li>Able to operate remotely in a fastmoving entrepreneurial environment without the need of overhead support<li> <li>Detailed understanding of sales processes sales reporting including sale forecasting salesforce automation and territory planning amp management<li> <li>Selfconfident with ability to work remotely with and influence a global matrixed team<li> <li>Ability to build and maintain strong relationships gaining trust and confidence as a strategic partner from all levels within the organization<li> <li>Very strong work ethic and team player with a positive do what it takes attitude<li> <li>Problem solving organizational and collaboration skills<li> <li>Growing analytical skills and ability to interpret and present key findings and recommendations<li> <li>Excellent written oral and presentation skills<li> <ul><p><br ><br ><br ><p><p><strong><span datacontrast=none>BENEFITS amp PERKS<span><strong><span dataccpprops=> <span><p> <ul><li dataleveltext= datafont=Symbol datalistid=3 datalistdefnprops= dataariaposinset=1 dataarialevel=1><span datacontrast=auto>Unlimited PTO<span><span dataccpprops=> <span><li> <li dataleveltext= datafont=Symbol datalistid=1 datalistdefnprops= dataariaposinset=2 dataarialevel=1><span datacontrast=auto>Excellent medical dental and vision coverage<span><span dataccpprops=> <span><li> <li dataleveltext= datafont=Symbol datalistid=1 datalistdefnprops= dataariaposinset=3 dataarialevel=1><span datacontrast=auto>Employee Equity and Stock Purchase Plan<span><span dataccpprops=> <span><li> <li dataleveltext= datafont=Symbol datalistid=1 datalistdefnprops= dataariaposinset=4 dataarialevel=1><span datacontrast=auto>Employee Discounts Virtual Wellness Classes and Pet Insurance<span><span dataccpprops=> <span><li> <ul><p><span datacontrast=auto>And more<span><span dataccpprops=> <span><span dataccpprops=> <span><p> <p><strong><span datacontrast=auto>SALARY RANGE<span><strong><span dataccpprops=> <span><p> <p><span datacontrast=auto>The compensation range for this role is $8000000 $10000000 depending on location and experience <span><span dataccpprops=> <span><p> <p><strong><span datacontrast=none>PEOPLE amp CULTURE AT ZETA<span><strong><span dataccpprops=> <span><p> <p><span datacontrast=none>Zeta considers applicants for employment without regard to and does not discriminate on the basis of an individuals sex race color religion age disability status as a veteran or national or ethnic origin nor does Zeta discriminate on the basis of sexual orientation gender identity or expression<span><span dataccpprops=> <span><span dataccpprops=> <span><p> <p><span datacontrast=none>Were committed to building a workplace culture of trust and belonging so everyone feels invited to bring their whole selves to work We provide a forum for employees to celebrate support and advocate for one another Learn more about our commitment to diversity equity and inclusion here <span><span datacontrast=none>httpszetaglobalcomblogalookintozetasergs<span><span dataccpprops=> <span><p> <p><strong><span datacontrast=none>ZETA IN THE NEWS<span><strong><span dataccpprops=> <span><p> <p><span datacontrast=none>httpszetaglobalcompresscat=pressreleases<span><span dataccpprops=> <span><p> <p>LIMC1<p> <p><br ><p>

Senior Counsel

Company: CoreTrust

Location: Nashville, TN

Posted Mar 14, 2024

<p><span datacontrast=auto>At CoreTrust our mission is to redefine procurement by maximizing value through an efficient ondemand marketplace and community We envision a prosperous world connected by seamless digital trade and we value building connections acting nimbly pioneering exploration demonstrating fortitude and driving impact <span><span dataccpprops=> <span><p> <p><span dataccpprops=>As an industry leading Group Purchasing Organization GPO CoreTrust leverages the combined purchasing volume of its members to negotiate preferential pricing and contract terms across indirect spend categories CoreTrust is the linchpin resource in helping its members realize savings and enjoy efficiency when working with our partner suppliers that include best in class manufacturers distributors and vendors<span><p> <p><span datacontrast=auto>To support our rapid growth were seeking a dynamic Senior Counsel <span><p> <p>Reporting to the General Counsel you will become a collaborative member of the CoreTrust legal team and will focus on managing member and supplier group purchasing responsibilities and advise on and handle other strategic legal matters in support of the company You will be relied upon to help the organization make sound and strategic decisions while ensuring legal compliance in a competitive industry The successful candidate will have broad exposure throughout the company and will work with clients in all lines of business and at all levels This position requires someone with intellectual curiosity and vision to anticipate procurement trends and the impact on the practice of law This unique opportunity offers the chance to be part of strategic business moves and play a key role in a fast growing wellresourced company executing impactful work<p> <p><b><strong><span datacontrast=auto>Responsibilities<span><strong><b> <p><ul><li>Provide legal support to numerous operational leads on a wide variety of transactional matters<li> <li>Negotiate draft and review a wide variety of complex procurement agreements and spanning numerous subject areas and lines of business<li> <li>Focus on supporting the product sourcing and member teams by serving as a key legal advisor and relationship manager advising on relevant regulatory and compliance issues supporting routine transactions and leading the legal work on more complex procurement arrangements<li> <li>Support general transactional needs including drafting and negotiating technology acquisitions licensing and implementation agreements a broad range of consulting arrangements data use and sharing agreements and support to various business teams to name just a few<li> <li>Exhibit expert legal knowledge and exceptional interpersonal skills<li> <li>Demonstrated experience developing and maintaining strong internal client relationships<li> <li>Strong ability to constructively negotiate a wide variety of legal agreements and complete other tasks as assigned<li> <ul><p><b><strong><span datacontrast=auto>Qualifications<span><strong><b> <p><ul><li>3+ years of experience practicing law with a combination of law firm and inhouse work preferred<li> <li>Highly developed analytical legal skills<li> <li>Demonstrated skill in managing coordinating and driving a full contract cycle including the negotiation drafting and review of contracts the integration of applicable statutory and regulatory requirements where relevant and an ability to translate the same to nonlawyers<li> <li>Selfstarter with the ability to work under pressure on multiple projects and effectively manage client needs and competing priorities<li> <li>Experience supporting commercial and procurement contracting with a preference for an understanding of how best to advise on group purchasing contracting strategies management and drafting<li> <li>Ability to support drafting and negotiation of a wide range of complex commercial and supplychainrelated agreements taking primary responsibility for managing internal client requests and gotomarket timelines and expectations<li> <li>Ability to handle a broad range of transactional matters for internal clients as well as providing strategic advice and counsel on a range of business issues and policy and operational matters<li> <li>Strong interpersonal skills with a collegial and collaborative approach to advising diplomatically and with a presence<li> <li>Educational requirement JD with excellent credentials from an ABAaccredited nationally recognized law school MBA preferred but not required<strong> <strong><li> <li>Must be licensed to practice law in at least one US jurisdiction and eligible to become licensed as inhouse counsel in Tennessee<li> <li>Nashvillebased or open to relocation to Nashville strongly preferred<li> <ul><p><b><strong><span datacontrast=auto>Benefits<span><strong><b> <p><ul><li dataleveltext= datafont=Symbol datalistid=4 datalistdefnprops= dataariaposinset=9 dataarialevel=1><span datacontrast=none>Competitive compensation package<span><span dataccpprops=> <span><li> <li dataleveltext= datafont=Symbol datalistid=4 datalistdefnprops= dataariaposinset=10 dataarialevel=1><span datacontrast=none>Free individual employee medical coverage<span><span dataccpprops=> <span><li> <li dataleveltext= datafont=Symbol datalistid=4 datalistdefnprops= dataariaposinset=11 dataarialevel=1><span datacontrast=none>Company subsidized dental and vision coverage<span><span dataccpprops=> <span><li> <li dataleveltext= datafont=Symbol datalistid=4 datalistdefnprops= dataariaposinset=12 dataarialevel=1><span datacontrast=none>Dollar for dollar 401k match up to 6 of your salary with immediate vesting<span><span dataccpprops=> <span><li> <li dataleveltext= datafont=Symbol datalistid=4 datalistdefnprops= dataariaposinset=13 dataarialevel=1><span datacontrast=none>Companypaid ShortTerm and LongTerm Disability coverage<span><span dataccpprops=> <span><li> <li dataleveltext= datafont=Symbol datalistid=4 datalistdefnprops= dataariaposinset=14 dataarialevel=1><span datacontrast=none>Employee Assistance Program to support your wellbeing and mental health<span><span dataccpprops=> <span><li> <li dataleveltext= datafont=Symbol datalistid=4 datalistdefnprops= dataariaposinset=15 dataarialevel=1><span datacontrast=none>$1500 annual stipend for undergraduategraduate college courses $500 annual stipend for continuing education coursescertifications<span><span dataccpprops=> <span><li> <li dataleveltext= datafont=Symbol datalistid=4 datalistdefnprops= dataariaposinset=16 dataarialevel=1><span datacontrast=none>Free snacks and beverages onsite<span><li> <li dataleveltext= datafont=Symbol datalistid=4 datalistdefnprops= dataariaposinset=16 dataarialevel=1>Brand new stateoftheart techenabled work environment in downtown Nashville<li> <li dataleveltext= datafont=Symbol datalistid=4 datalistdefnprops= dataariaposinset=16 dataarialevel=1>Flexiblehybrid work culture<span dataccpprops=> <span><li> <ul>

NOC Administrator

Company: Acumen Technology

Location: Nashville, TN

Posted Mar 14, 2024

<p>Acumen Technology is looking for confident and passionate NOC Administrator to join our team We want IT professionals that understand that the clients experience is as important as knowing the right buttons to press and that you can have fun while you work <p> <p>Based out of the Music City Nashville TN Acumen Technology is a leading IT Managed Services Provider focusing on financial institutions healthcare and other industries that are serious about security and doing IT right Being a member of our team means weekly inoffice lunches awesome company events a comprehensive benefits package and most importantly training in the ability to hold conversations using nothing but GIFs <p> <p><strong>A successful NOC Admin would<strong> <p> <ul><li>Manage the monitoring management and security tools and technologies that Acumen uses across our clients<li> <li>Maintain daily review and reporting of backup health for all clients and responds to failures<li> <li>Respond to alerts generated by monitoring agents<li> <li>Mentor NOC and Service Analysts<li> <li>Seek to improve monitoring capabilities with existing tools and finding new solutions<li> <li>Track time and details on appropriate service tickets as work is performed<li> <li>Supports our core values and commit to always improving<li> <li>Have fun working<li> <li>Be serious about mastering technology <li> <li>Maintain business efficiencies through detailed documentation time keeping communication and an eye on the metrics<li> <li>Be in the Middle TN area or willing to relocate<li> <ul><p><strong>Work From HomeIn Office<strong> <p> <p>Acumen Technology is a hybrid workplace and we support a work from home environment some days We provide all the technology youll need for a comfortable work from home office We also have inoffice days because we love the collaboration and comradery that comes from group interaction <p> <p><strong>Acumen Technology Core Values<strong> <p> <ul><li>Intentional Everything<li> <li>Ive Got Your Back<li> <li>Deliver With Confidence and Passion<li> <li>Adapt and Overcome<li> <li>Do IT Right<li> <ul><p><strong>Acumens Commitment to our Employees<strong> <p> <ul><li>We will do everything we can to aid your growth in the IT field while having fun along the way Wherever life takes you we want Acumen to have helped you get there<li> <ul><p><strong>Requirements<strong> <p> <ul><li>We are a hybrid work environment Applicants should be located in or around the Nashville area for those days that we are in the office<li> <li>Intermediate understanding of operating systems business applications printing systems and network systems<li> <li>Interpersonal skills such as telephony skills communication skills active listening and customercare<li> <li>Ability to multitask and adapt to changes quickly<li> <li>Technical awareness ability to match resources to technical issues appropriately<li> <li>Understanding of support tools techniques and how technology is used to provide services<li> <li>Typing skills to ensure quick and accurate entry of service request details<li> <li>Selfmotivated with the ability to work in a fast moving environment<li> <li>Must be able to lift up to 50 pounds and be able to be on your feet for extended periods of time<li> <ul><p><strong>Benefits<strong> <p> <ul><li>100 employer paid health insurance medical and dental<li> <li>Mileage and phone reimbursement<li> <li>LinkedIn Learning membership<li> <li>Fun working environment and culture<li> <li>SIMPLE IRA with 3 match<li> <ul>

Benefit Manager

Company: AllianceBernstein

Location: Nashville, TN

Posted Mar 14, 2024

Nashville, Tennessee AB does not discriminate against any employee or applicant for employment on the basis of race, color, religion, creed, ancestry, national origin, sex, age, disability, marital status, citizenship status, sexual orientation, gender identity, military or veteran status or any other basis that is prohibited by applicable law. People of color, women, and those who identify as LGBTQ people are encouraged to apply. AB's policies, as well as practices, seek to ensure that employment opportunities are available to all employees and applicants, based solely on job-related criteria well as practices, seek to ensure that employment opportunities are available to all employees and applicants, based solely on job-related criteria. Whether you're producing thought-provoking research, identifying compelling investment opportunities, infusing new technologies into our business or providing thoughtful advice to our clients, we are fully invested in you. Ensure results are obtained timely and corrections, if needed, are completed. What We're Looking For: An analytical, problem solver nature, with excellent excel skills Possess a bachelor's degree in related field. About AB We are a leading global investment management firm offering high-quality research and diversified investment services to institutional clients, retail investors, and private-wealth clients in major markets around the globe. If you're ready to challenge your limits and empower your career, join us! With over 4,000 employees across 57 locations operating in 26 countries and jurisdictions, our ambition is simple: to be the most trusted investment firm in the world.

Frequently Asked Questions

What are typical salary ranges by seniority in Health Insurance?
Entry‑level analysts earn $55k–$75k, mid‑level roles $80k–$110k, senior positions $115k–$150k, and directors or VP levels range from $160k to $200k. Pay varies by region; for example, New York City salaries are often 20% higher than national averages.
Which skills and certifications are required?
Key technical skills include SQL, SAS, R, Tableau, and HL7 for data integration. Certification requirements often involve SOA or CAS actuarial exams, HIPAA‑compliance credentials, Guidewire Underwriting Certification, PMP for project managers, and financial certifications like CPA or CMA for finance roles.
Is remote work available in Health Insurance roles?
Yes—about 70% of positions offer fully remote or hybrid options. Major carriers such as UnitedHealth, Anthem, Humana, and CVS Health have formal telecommuting policies, especially for data‑analysis, product‑management, and compliance roles.
What are common career progression paths?
Typical trajectories move from junior analyst to senior analyst, then to manager, director, and VP. Progression often requires additional certifications (e.g., actuarial exams, PMP), cross‑functional experience, and proven leadership in projects like claims automation or value‑based care initiatives.
What industry trends should Health Insurance professionals watch?
Key trends include AI‑driven fraud detection, telehealth expansion, value‑based care models, regulatory updates to the ACA and Medicare Advantage, data‑privacy enforcement (HIPAA, GDPR), cybersecurity investments, and ESG‑aligned underwriting practices.

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