Student Loan Payment Jobs in Atlanta, GA
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Fall 2023 Intern
Company: Ansys
Location: Atlanta, GA
Posted Sep 26, 2023
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, and other protected characteristics. Upon hire, no fee will be owed to the agency, person, or entity. We are proud to have been recognized for the following more recent awards, although our list goes on: America's Most Loved Workplaces, Gold Stevie Award Winner, America's Most Responsible Companies, Fast Company World Changing Ideas, Great Place to Work Certified (China, Greece, France, India, Japan, Korea, Spain, Sweden, Taiwan, U.K.). At Ansys, it's about the learning, the discovery, and the collaboration. All this is forged within a working environment built on respect, autonomy, and ethics. We are committed to creating and nurturing a workplace that fuels this by welcoming people, no matter their background, identity, or experience, to a workplace where they are valued and where diversity, inclusion, equity, and belonging thrive. For more information, please visit us at www.ansys.com Ansys is an Equal Opportunity Employer. Ansys does not accept unsolicited referrals for vacancies, and any unsolicited referral will become the property of Ansys. We fuel new ideas, build relationships, and help each other realize our greatest potential in the knowledge that every day is an opportunity to observe, teach, inspire, and be inspired. And it's about the melding of disciplined intellect with strategic direction and results that have, can, and do impact real people in real ways.
Senior A/P Specialist
Company: Safe-Guard Products International
Location: Atlanta, GA
Posted Oct 04, 2023
Safe-Guard Products International is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to age, race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, marital status, disability or protected veteran status, or any other status or characteristic protected by federal, state, or local law. Safe-Guard continues to experience dynamic growth and has earned a stellar reputation from our clients, dealers, and peers by providing: 1) the highest quality protection products in the industry, 2) a broad platform of branded product, technology, marketing, and training solutions, and 3) an unwavering commitment to uncomplicated care and customer service. We are a proud partner to Original Equipment Manufacturers (OEMs), top retailers, and independent agents across the United States and Canada. Communicate effectively with all customers, advocate customer needs and initiate resolutionEnsure accuracy of invoice coding, vendor payments, and compliance with internal controlsProcess check Stop Payments and Void requests daily; ensure that returned voided checks are recorded and processed timelyProvide back up and coverage to other AP Supervisor, Specialists, Team Lead, and Manager, including management of the Accounts Payable mailbox, invoice entry, check requests, daily check processing, etc.Maintain a culture of high customer service The above statements are intended only to describe the general nature of the job and should not be construed as an all-inclusive list of position responsibilities. About Safe-Guard Products International: Safe-Guard Products International is the leading provider of branded vehicle protection products in the finance and insurance space to the automotive, RV, marine and motorcycle/powersports industries. Our success is driven by over 700 employees, who serve over 12,000 dealers and support contract holders across the U.S. and Canada. Job Requirements: Bachelor's degree or equivalent combination of education and experience, with preference for Bachelor's degree in accounting, business administration, finance or related field Minimum of five years of experience with full cycle Accounts PayableProficiency with Excel and Word required, experience with Pivot Tables, VLOOKUP, other advanced functions strongly preferred Experience with Great Plains strongly preferredExperience with SharePoint preferredExcellent interpersonal skills, with strong verbal and written communication aptitude requiredExcellent critical thinking, analysis and problem-solving skills requiredAbility to conceptualize systems and processes to facilitate root cause analysis and creative solutionsAbility to influence and collaborate well with others, interacting effectively in a cross-functional team environmentMust be able to work independently and with a team in a fast-paced environment with emphasis on accuracy and timelinessMust be a self-starter with a strong work ethicMust be detail-oriented, well-organized, professional, and reliableMust be authorized to work in the U.SMust be able to successfully pass a background check Company Benefits: Medical, Dental, and Vision Insurance Flexible Spending AccountHealth Savings Account 401(k) Plan with Company MatchCompany-paid Short-Term and Long-Term DisabilityCompany-paid Life InsurancePaid Holidays and VacationEmployee Referral ProgramEmployee Assistance ProgramWellness ProgramsPaid Community Service OpportunitiesTuition ReimbursementOngoing Training & Personal DevelopmentAnd More! Also supports all other activities of the accounts payable function, serving as a backup to other Accounts Payable personnel, ensuring timely and accurate completion of regular processes and special assignments, ensures compliance with company policies, recommends and assists with implementation of process improvements and best practices, interacts professionally with colleagues, Managers, Senior Leadership and all internal or external customers. In nearly thirty years, we have grown to power a client roster of over 50 leading protection brands and protect over 16 million consumers under Safe-Guard contracts. Job Responsibilities: Process monthly Commission payments: work closely with other departments and teams to receive, review, and process Commission Payment files; obtain necessary disbursement approvals; print and mail checks and coversheets or process ACH payments as appropriateProcess scheduled and on-demand Incentive and Profit Share paymentsProcess claims and cancellation payments as needed on a weekly basisCoordinate with other departments to investigate and resolve any disputes or discrepancies identified during payment processing Research and respond to internal and external inquiries concerning Dealer or Agent account statusIdentify and resolve errors and exceptions in daily processes; provide guidance and direction to AP staff around handling of exceptions, work with other departments as necessary to address root causesAssist with management of vendor relationships, work with vendors to establish discounts and beneficial payment terms Build effective relationships with internal and external customers.
Bilingual HR Administrator
Company: EnerSys
Location: Atlanta, GA
Posted Sep 29, 2023
EnerSys is a global industrial technology leader offering stored energy solutions for various markets, including telecom, cable broadband, industrial, renewable, and data center. The company is seeking a bilingual HR Administrator for its Suwanee, GA manufacturing plant. The role involves onboarding, recruitment, HRIS management, general HR administration, and employee relations. The ideal candidate should have a university degree, bi-lingual skills in English and Spanish, and at least 2 years of HR experience. Key skills include excellent communication, problem-solving abilities, and proficiency in MS Office and SAP SuccessFactors.
Specialty Lines Risk Mgr
Company: Ameris Bank
Location: Atlanta, GA
Posted Oct 10, 2023
Required Knowledge, Skills and Competencies: • Excellent organizational, analytical and interpersonal skills • Strong problem-solving, negotiation and follow-up skills • Strong verbal and written communication skills • Computer literate; fluency in Microsoft Office programs; systems integration • Conceptual Thinking - Identifies the critical and interdependencies among system elements that impact products and performance. • Leadership, negotiation and influence across multiple levels of organization • Ability to organize and lead cross-disciplinary teams Industry and Work Experience: • 5-7 years of experience within financial services industries preferred • 6 - 8 years of operational risk management experience preferred, ideally in financial services Academic: • High school diploma or GED required • Bachelor's degree in business or related field preferred Benefits Available to Employees: Ameris Bank provides a comprehensive employee benefit package to all eligible employees. • Responsible for coordinating initiatives through the New Initiatives Committee process. • Preserves partnerships and alignment with business executives and senior management as well as the Risk Management department. • Ensures data collection and reporting on key risk metrics. • Creates and leads any business unit specific Risk Committees required and participates in the enterprise-wide Management Risk Committee. 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 contractor's legal duty to furnish information. • Ensures the effective implementation and execution of Operational Risk programs including event data collection, key risk indicators, scenario analysis, and risk and control identification and assessment as well as reporting to the Risk Management department. • Conducts and/or coordinates various quality control reviews and monitoring covering all key business risks, including key regulatory compliance requirements. Medical, Dental and Vision InsuranceAmeris Bank absorbs a major portion of the cost of healthcare.
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Company: SingleOps LLC
Location: Atlanta, GA
Posted Oct 09, 2023
SingleOps is a SaaS startup offering an all-in-one business management solution for green industry professionals. Their software helps manage customer records, estimates, crew scheduling, invoicing, and provides real-time profitability data. SingleOps has processed over $4 billion in revenue and is recognized for its culture and growth, having been awarded by Inc. 5000, Built In, and Inc Magazine. They value diversity, collaboration, innovation, and customer success. SingleOps offers competitive compensation, benefits, and a flexible work environment. They are looking for individuals who are willing to learn, adapt, and contribute to their mission of redefining the green industry.
Regional Sales Manager
Company: Equify Financial, LLC
Location: Atlanta, GA
Posted Oct 01, 2023
Equify Financial, a specialty finance company based in Fort Worth, Texas, is seeking a Regional Sales Manager for Florida and Georgia. The ideal candidate should have a proven track record in structured equipment finance, strong sales, credit, and marketing skills, and the ability to articulate complex financial concepts. The role involves traveling, prospecting, and closing deals, with a focus on building long-lasting relationships and driving business growth. The company offers a competitive compensation package, including medical benefits, 401K, and tuition reimbursement.
Digital Sales Specialist
Company: iHeartMedia
Location: Atlanta, GA
Posted Sep 22, 2023
The Company is an equal opportunity employer and will not tolerate discrimination in employment on the basis of race, color, age, sex, sexual orientation, gender identity or expression, religion, disability, ethnicity, national origin, marital status, protected veteran status, genetic information, or any other legally protected classification or status. Our company values stress collaboration, curiosity, welcoming dissent, accepting mistakes in the pursuit of new ideas, and respect for everyone. What You'll Do: Collaborate, assist, and work with Account Executives to generate new sales, maintain/grow existing relationships and grow the iHeartMedia brand and reputationDevelop, communicate, and implement digital sales strategy and action plans for multiple markets in the upstate NY area.In conjunction with our centralized, iHeartDigital Solutions teamdissect Digital RFPs and craft digital media plansAssist local sales leadership with integrated sales efforts by reviewing client proposals and making strategic recommendationsAct as a liaison for third-party digital partnerships; working to integrate partner assets with our own to develop optimized campaign strategiesParticipate in client calls and appointments with sales reps to expertly represent our digital offerings What You'll Need: Strong understanding of digital media advertisingAbility to manage production workflow, timelines and schedulesAbility to use reporting & research tools to inform proposal developmentSkilled at written and verbal communicationSkilled at successfully coach others in digital practicesProficient at analytics and reporting (e.g., preparing performance reports for digital products)Proficiency in Microsoft Excel and PowerPointExcellent interpersonal skills and collaboration skills.Adept as entrepreneurial self-starterExcellent ability to organize, prioritize, and multi task in a fast-paced environmentCan model positive energy and stay positive in a high pressure, sales environmentFlexibility and creativity What You'll Bring: Respect for others and a strong belief that others should do this in returnAccountability for own work and desire to provide guidance to new team membersAbility to contribute to several projects at the same time under a moderate level of directionApplication of objective judgement, technical skills and prior experience to solve business problemsStrong written and verbal communication skills, including a knack for explaining complex information in a straightforward mannerDesire for continued knowledge sharing and learningUnderstanding of impact of own decisions Location: Atlanta, GA: 1255 Makers Way, Suite A, 30318 Position Type: Regular Time Type: Full time Pay Type: Salaried Benefits: iHeartMedia's benefits offering is flexible and offers a variety of choices to meet the diverse needs of our changing workforce, including the following: Employer sponsored medical, dental and vision with a variety of coverage optionsCompany provided and supplemental life insurancePaid vacation and sick timePaid company holidays, including a floating holiday that enable our employees to celebrate the holiday of their choosingA Spirit day to encourage and allow our employees to more easily volunteer in their communityA 401K planEmployee Assistance Program (EAP) at no cost - services include telephonic counseling sessions, consultation on legal and financial matters, emotional well-being, family and caregivingA range of additional voluntary programs, such as spending accounts, student loan refinancing, accident insurance and more! At iHeartMedia we are dedicated to building a diverse, inclusive, and authentic workplace and are looking for teammates passionate about what we do! Our organization participates in E-Verify. Click here to learn about E-Verify. What We Need: The Digital Sales Strategist (DSS) is responsible for supporting Sales Managers and Sales Reps with building long-term digital business relationships with our clients and prospects. If you're excited about this role but don't feel your experience aligns perfectly with the job description, we encourage you to apply anyway. The DSS helps to create demand for digital products and services by underscoring the company's marketing solutions with clients and by developing innovative digital media strategies that highlight these features. Only one company in America has the 1 position in everything audio: iHeartMedia!
Senior Project Manager, DBSS
Company: Presidio
Location: Atlanta, GA
Posted Sep 25, 2023
All qualified candidates will receive consideration for this position regardless of race, color, creed, religion, national origin, age, sex, citizenship, ethnicity, veteran status, marital status, disability, sexual orientation, gender identification or any other characteristic protected by applicable federal, state and local statutes, regulations and ordinances. Presidio operates in 40+ US offices and offices in Ireland, London, Singapore, and India. 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 contractor's legal duty to furnish information. State Employment Services, please provide priority referrals to [email protected]. Presidio is a trusted strategic advisor with a flexible full life cycle model of professional, managed, and support and staffing services to help execute, secure, operationalize and maintain technology solutions. Required Skills: Demonstrable skills across project management standard methodologies (Project Management Institute defined), Agile, SCRUM, Kanban, Waterfall).Ability to manage Agile/Scrum/Kanban/Waterfall (Depending on client environment) processes to effectively deliver new applications and app modernization projects.Proficient in Confluence, Jira, and Microsoft Project for project goal and timeline tracking.Familiarity with Azure DevOps, Smartsheet, Trello, Teamwork, Zoho, and similar project management toolsets to manage project tracking, key performance indicators, project budget, resources, and timelines.Experience working with the Microsoft Office suite of tools (Outlook, Excel, Word, PowerPoint, and SharePoint). Highly skilled teams of engineers and solutions architects with deep expertise across cloud, security, networking and modern data center infrastructure help customers acquire, deploy and operate technology that delivers impactful business outcomes. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities 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. Additional Desired Skills: PMP or similar professional certification.CSM or similar professional certification.AWS Cloud Practitioner or similar certification.Azure Fundamentals or similar certification.Experience leading projects which leverage AWS and/or Azure technologies.Strong time management, analytical, communication, thought leadership, team building, motivational and customer service skills.Excellent client-facing communication and relationship building skills.Ability to learn quickly, adapt to change and have ownership of staying up-to-date on current and emerging technologies and tools as they relate to our business and project needs.Passion, creativity, energy, and enthusiasm towards collaborating on the exciting growth and development of our company.A desire to learn new technologies, methodologies, solutions and understand the business needs of our customers.Adaptability to our overall vision, goals and dynamic culture and environment.Proficient in Confluence, Jira and Microsoft Project for project goal and timeline tracking.Familiarity with Azure DevOps, Smartsheet, Trello, Teamwork, Zoho and similar project management toolsets to manage project tracking, key performance indicators, project budget, resources, and timelines. Cultivating a culture of inclusion where the expression of all our differences are valued, celebrated, and add to our collective achievements.
Group Product Manager: Payments
Company: Entersekt
Location: Atlanta, GA
Posted Sep 23, 2023
Finally, you are data driven and lead by example by championing the use of “metrics that matter” to measure, monitor and improve on a continuous basis. ResponsibilitiesLead a team through the ideation, technical development, and launch of innovative features and products that make up Entersekt’s Payments product portfolioCommunicate product vision, progress, and results of these services to clients and stakeholders across the organization to ensure adoption and awareness.Define and execute the multi-generational portfolio roadmap for Entersekt’s Payments portfolio. Develop product narratives, requirements and specifications for product features and enhancements. Represent Entersekt on global bodies such as EMVCo and influence standards evolution. Serve as internal subject matter expert on these specifications. Interface with Card Schemes such as Mastercard, Visa, American Express to champion Entersekt product offerings and contribute to best practices. Take a hands-on approach to the design and implementation of rules engines and machine learning models to increase authentication success rates, minimize fraud and deliver great user experiences. Own and execute all activities to achieve compliance and certification for products in portfolio. Perform the role of product and domain expert to commercial teams in client pre-sales engagements. Champion the design and implementation of Entersekt’s Context Aware authentication solutions across products and user journeys. Serve as external spokesperson and evangelist to media and industry influencers as required. Stay current with payment industry trends, opportunities, and mandates to ensure our workflows and products stay compliant and ahead of the curve.Own commercialization of the Payments portfolio including the development of full set of product documentation, knowledge-based articles, white papers to implementation guides and API specifications, sales enablement and marketing content. Skills and ExperienceSuccessful candidates for this role will generally possess the following qualifications and skills:Holds 7+ years in technology product management or related role. BS or BA in Computer Science, Engineering, or other technology qualification is required Experience defining product strategy and functional specifications for payments solutions Familiarity with EMVCo 3-D Secure protocol and/or PCI-DSS standards will be a huge advantage.Understanding of encryption, cryptographic protocols, and security best practices is also beneficial.Expertise with risk engines and machine learning models in e-commerce and payments fraud related use cases is desired. Familiarity with OAuth (Open Authentication) protocols or alternative two-factor authentication (2FA) methods is beneficial.Hands-on experience architecting and developing complex consumer-focussed multi-component product lines in a regulated environment. Strategic and tactical experience designing, building, and executing scalable processes from scratch, ideally in an operations-intensive environment. Proven experience in an agile, globally distributed software development environment and methodologies. Track record of introducing new tools and applications in both on-premises as well as SaaS and cloud-native architectures. A deep understanding of technical communication systems including the use of APIs to enable communication between the core platform, internal and third-party integrations.Ability to leverage data and customer feedback to continuously improve throughput and performance of products.Valid work permit for United States of America. Personality AttributesOpen to receiving feedback and have your opinions be challenged.The ability to empathize with customers and understand their wants, needs, and frustrations.Strong communication skills – the ability to share product vision and influence internal and external stakeholders. Ability to prioritize projects, communicate progress, and deliver on time.Ability to thrive in a fast-moving, high-growth environment with global customers, users, and colleagues. Passionate about technology innovation and emerging solutions in the payments and digital authentication domain.We place a lot of value on how we treat prospective employees and appreciate the time and effort that goes into job hunting. This role requires deep understanding of the various components, technologies and moving parts that make up Entersekt’s 3D secure product, platform, and operations. You will regularly interface with Card Schemes and payment networks globally to achieve multi-party compliance and certification while promoting Entersekt’s unique value proposition. You’re a product person at heart and can define product strategies, curate product roadmaps, lead direct and cross-functional teams in a hands-on manner. The RoleThis Group Product Manager role will be responsible for Entersekt’s payments and transaction authentication product portfolio’s functional and financial success. You get exposed to cutting-edge technology, colleagues who are leaders in their fields, and an awesome working environment that includes flexible hours, remote work, and plenty of growth opportunities.Apply for this position by following the "apply now" tab and or viewing our other roles at Entersekt Careers page. The role hinges upon expert-level understanding of both rules-based risk engines and machine-learning driven models for fraud prevention and risk-based authentication. This position requires extensive and ongoing stakeholder management across Entersekt and beyond. You will guide and mentor other members of the product team while collaborating closely with Entersekt colleagues across commercial and technical functions globally. You are passionate about customer success and look for every opportunity to gather, analyze and incorporate feedback. You are committed to Agile product development and take pride in ensuring you articulate clear achievable objectives for your teams, enabling them to build incremental value into our product offering. You’ve perhaps worked as an engineering or solutions architect and have gained hands-on knowledge of various technical aspects around authentication, payments security and fraud prevention.
CAF ASST Representative I
Company: CarMax
Location: Atlanta, GA
Posted Sep 23, 2023
CarMax is an equal opportunity employer, and all qualified candidates will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, protected veteran status, disability status, or any other characteristic protected by law. Upon an applicant's request, CarMax will consider reasonable accommodation to complete the CarMax Job Application. Along the way, we help every associate grow their career and achieve their best, at work and in their community. The environment is fast-paced, yet pleasant and the work is structured, yet varied in nature. It takes a keen attention to detail, combined with solid decision-making and communication skills, to ensure that each transaction is accurate, timely, compliant and without error. At CarMax Auto Finance, the Administrative Servicing team is part of that backstage crew. This innovative thinking around the way cars are bought and sold has helped us become the nation's largest retailer of used cars, with over 200 locations nationwide. Our amazing team of more than 25,000 associates work together to deliver iconic customer experiences. Qualifications and requirements High school diploma or GED and/or 6 months related administrative experienceAbility to prioritize work and multi-task to meet multiple deadlinesStrong attention to detailAbility to communicate with others effectively via phoneBasic computer and math skills About CarMax CarMax disrupted the auto industry by delivering the honest, transparent and high-integrity experience customers want and deserve. What you will do - Essential Responsibilities Processes paperwork associated with customer account maintenance that may include insurance claim review, vehicle titling, auditing funding documents and letter generationAccurately notate and update customer accounts in company account management systemsEvaluate and execute follow-up steps for problem resolution based on account data, policies, and proceduresWork directly with team members, other departments, and store locations to resolve questions/concernsPerform all the above timely and accurately in compliance with federal, state, and company guidelines Keep the company running at optimal performance Behind every successful theatrical production, there is an extensive behind-the-scenes operation that makes sure things go smoothly even after the curtains close.
Data Operations Analyst
Company: Equifax Inc.
Location: Atlanta, GA
Posted Sep 25, 2023
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. He/she will monitor, research, and respond to data furnisher activity including credit reporting submissions, questions/inquiries, audits, and data furnisher onboarding/off-boarding procedures. Apply today, and get started on a path toward an exciting new career at Equifax, where you can make a difference! What you'll do Serve as relationship manager for data furnishers (financial institutions, payment processors, fintech startups, etc).Responsible for the oversight of billions of rows of data that come from data furnishers (consumer and commercial tradeline data).Monitor, research, and respond to data contributor activity including file update submissions, data reporting questions/inquiries, audits, and onboarding/off-boarding procedures.Ability to analyze large datasets, be technology savvy, and be knowledgeable of the FCRA regulations and Metro 2 reporting guidelines.Facilitate on-site visits and annual data reviews with data furnishers.Recognized as SME in data processing/cleansing technology, data exchange rules, and data reporting regulatory guidance.Provides consultation and support to customers, sales, and other teams.Understand internal system changes, business rules, and overarching data governance.Stay abreast of external regulatory and industry reporting changes.Consult with clients and prepare understandable messaging for the data furnishers to articulate how changes may impact them.Works with customers and programmers to implement custom solutions that deliver data to customers to drive impactful decisions. BI skills a plusSort and identify patterns/anomalies in large data sets What could set you apart Knowledge of FCRA regulations and Metro 2 credit reporting guidelines and requirements is preferredFamiliarity with cloud based data visualization tools i.e: Looker, Data studio etc., a plusKnowledge of electronic file transmission (SFTP/FTP/Internet) protocols/procedures We offer comprehensive compensation and healthcare packages, 401k matching, paid time off, and organizational growth potential through our online learning platform with guided career tracks. Equifax is an Equal Opportunity Employer. What experience you need Bachelor's Degree or Higher in Business, Computer Science, or related field4 - 5 years of experience handling Big DataProject management and relationship management experienceComfortable using MS office, Google Workspace (preferred) and SalesforceData analysis and querying skills using language like SQLDrafting technical instructions for IT programming/ implementation. He/she should be able to analyze large datasets, demonstrate technology savvy, and be knowledgeable of the FCRA regulations and Metro 2 reporting guidelines. Primary Location: USA-Atlanta-One-Atlantic-Center Function: Function - Fulfillment / Operations Schedule: Full time If you want to achieve your true potential, chart new paths, develop new skills, collaborate with bright minds, and make a meaningful impact, we want to hear from you.
Accounting Specialist - Hybrid (Sage Intacct Experience Required)
Company: Alogent
Location: Atlanta, GA
Posted Oct 02, 2023
Alogent is a market leader in providing solutions for deposit automation and content management to major banks. The company has over 25 years of experience and is committed to forging ahead through the creation of specialized technologies and services.