Associate, Market RiskCountry: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilitiesWe Want to Talk to You!

The Difference You Make:
The Associate, Market Risk monitors the liquidity risk metrics operates within Liquidity Policy guidelines and limits. This position will develop and implement all Regulatory and Corporate Liquidity Policy standards for market risk activities, lead discussions with management, and compare the Company risk profile against industry information.

• Observes, analyzes and implements US regulation and Liquidity Policy Guidelines.
• Documents effectively Liquidity assumptions, developing procedures related with daily and monthly liquidity process.
• Identifies and contributes to resolution of emerging risk issues related to Liquidity Risk processes and exposure, anticipating and acting proactively on minimizing risk.
• Ensures the commitment of the liquidity risk policy guidelines and the contingency plans, monitoring early warning indicators and warning about liquidity events,
• Assists with the validation, reconciliation and analysis of data, ensuring its accuracy, validating and implementing liquidity risk measurement methods.
• Compares the Company risk profile against industry information.

What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Bachelor's Degree or equivalent work experience: Business, Finance, Management, or equivalent field. - Required.

5+ Years Risk Management/Controls - Required.

• Advanced understanding of key inherent risk and market risk management control practices to perform periodic analysis with critical reasoning for high management reporting.
• Strong market risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment.
• Knowledge of workflow/processes and risks/controls, including: origination, underwriting, servicing, and collections/workout.
• Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense.
• Ability to handle conflict resolution with other groups to ensure appropriate accounting guidance is followed.
• Ability to adjust to new developments/changing circumstances.
• Ability to convey a sense of urgency and drive issues/projects to closure.
• Ability to effectively interact with the market, executive management and vendors.
• Ability to adapt and adjust to multiple demands and competing priorities.
• Excellent written and oral communication skills.
• Strong analytical, organizational and project management skills.

Certifications:
No Certifications listed for this job.

It Would Be Nice For You To Have:
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

What Else You Need To Know :

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range

Minimum:

$90,000.00 USD

Maximum:

$155,000.00 USD

Link to Santander Benefits:

Santander Benefits - 2025 Santander OnGoing/NH eGuide ()

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions :

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required .

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next :

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs.

Primary Location:New York, NY, Madison Ave Corp

Other Locations:New York-New York

Organization:Banco Santander S.A.

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Senior PPNR Model Development AnalystCountry: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilitiesWe Want to Talk to You!

The Difference You Make:

The Senior PPNR Model Development Analyst is responsible for executing model risk management activities consistent with the enterprise model risk management framework, industry best-practice and regulatory guidance. This is a critical role in developing and maintaining Pre-Provision Net Revenue (PPNR) models that support regulatory stress testing and internal capital planning.

• Executes model risk management activities consistent with the enterprise model risk management framework, industry best-practice and regulatory guidance.

• Assesses risk model conceptual soundness.

• Evaluates model assumptions and data integrity.

• Tests models numerical, statistical, and computational accuracy.

• Performs outcome analysis.

• Reviews model governance and control processes.

• Perform model monitoring, back-testing, and recalibration to ensure continued model performance.

• Support regulatory stress testing efforts by running PPNR model forecasts for use with CCAR/DFAST/ICAAP submissions.

What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Bachelor's Degree in Mathematics, Physics, Statistics or equivalent quantitative field, or equivalent work experience - Required.

Master's Degree in Mathematics, Physics, Statistics or equivalent quantitative field. - Preferred.

Ph.D. Mathematics, Physics, Statistics or equivalent quantitative field. - Preferred.

5+ Years Risk Management and/or Risk Modeling- Required.

Strong technical skills in programming languages in SAS, SQL, and Python - Required.

• Strong foundation in financial modeling, banking products, and a deep understanding of the macroeconomic factors that influence revenue and expense drivers in a banking environment.

• Design, develop, and maintain PPNR models for key revenue and expense components such as Net Interest Income, Non-Interest Income (fee-based income), and Non-Interest Expense.

• Advanced knowledge of model risk management best practices and how to implement them.

• Advanced quantitative skills.

• Demonstrated practical modeling experience.

• Detail orientated with the ability to also understand overall strategy.

• Ability to multi-task and meet strict deadlines.

• Ability to adjust to new developments/changing circumstances.

• Ability to lead, influence and direct peers, subordinates and management.

• Ability to convey a sense of urgency and drive.

• Ability to build and foster internal relationships.

• Ability to analyze risk and design efficient control practices to minimize risk.

• Strong critical thinking skills with the ability to be adept in identifying and resolving complex risk management problems.

• Strong written and verbal communication skills.

• Strong analytical, problem solving and critical thinking skills.

• Strong project management skills.

Certifications:
No Certifications listed for this job.

It Would Be Nice For You To Have:
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

What Else You Need To Know :

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range

Minimum:

$90,000.00 USD

Maximum:

$165,000.00 USD

Link to Santander Benefits:

Santander Benefits - 2025 Santander OnGoing/NH eGuide ()

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions :

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required .

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next :

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs.

Primary Location:Dallas, TX, Dallas

Other Locations:Texas-Dallas,Massachusetts-Boston

Organization:Santander Holdings USA, Inc.

Read Less

Senior PPNR Model Development AnalystCountry: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilitiesWe Want to Talk to You!

The Difference You Make:

The Senior PPNR Model Development Analyst is responsible for executing model risk management activities consistent with the enterprise model risk management framework, industry best-practice and regulatory guidance. This is a critical role in developing and maintaining Pre-Provision Net Revenue (PPNR) models that support regulatory stress testing and internal capital planning.

• Executes model risk management activities consistent with the enterprise model risk management framework, industry best-practice and regulatory guidance.

• Assesses risk model conceptual soundness.

• Evaluates model assumptions and data integrity.

• Tests models numerical, statistical, and computational accuracy.

• Performs outcome analysis.

• Reviews model governance and control processes.

• Perform model monitoring, back-testing, and recalibration to ensure continued model performance.

• Support regulatory stress testing efforts by running PPNR model forecasts for use with CCAR/DFAST/ICAAP submissions.

What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Bachelor's Degree in Mathematics, Physics, Statistics or equivalent quantitative field, or equivalent work experience - Required.

Master's Degree in Mathematics, Physics, Statistics or equivalent quantitative field. - Preferred.

Ph.D. Mathematics, Physics, Statistics or equivalent quantitative field. - Preferred.

5+ Years Risk Management and/or Risk Modeling- Required.

Strong technical skills in programming languages in SAS, SQL, and Python - Required.

• Strong foundation in financial modeling, banking products, and a deep understanding of the macroeconomic factors that influence revenue and expense drivers in a banking environment.

• Design, develop, and maintain PPNR models for key revenue and expense components such as Net Interest Income, Non-Interest Income (fee-based income), and Non-Interest Expense.

• Advanced knowledge of model risk management best practices and how to implement them.

• Advanced quantitative skills.

• Demonstrated practical modeling experience.

• Detail orientated with the ability to also understand overall strategy.

• Ability to multi-task and meet strict deadlines.

• Ability to adjust to new developments/changing circumstances.

• Ability to lead, influence and direct peers, subordinates and management.

• Ability to convey a sense of urgency and drive.

• Ability to build and foster internal relationships.

• Ability to analyze risk and design efficient control practices to minimize risk.

• Strong critical thinking skills with the ability to be adept in identifying and resolving complex risk management problems.

• Strong written and verbal communication skills.

• Strong analytical, problem solving and critical thinking skills.

• Strong project management skills.

Certifications:
No Certifications listed for this job.

It Would Be Nice For You To Have:
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

What Else You Need To Know :

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range

Minimum:

$90,000.00 USD

Maximum:

$165,000.00 USD

Link to Santander Benefits:

Santander Benefits - 2025 Santander OnGoing/NH eGuide ()

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions :

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required .

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next :

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs.

Primary Location:Dallas, TX, Dallas

Other Locations:Texas-Dallas,Massachusetts-Boston

Organization:Santander Holdings USA, Inc.

Read Less

The Opportunity

The Strategic Consultant will be responsible for developing, leading, and executing the Global Workforce Management strategic roadmap and initiatives for Operations to deliver the highest impact to customers while achieving expected business results. As a Strategic Consultant, you will leverage operational data, customer experience insights (VOC), and subject matter experts to identify opportunities to enhance Operations global operating model and establish standards. This role will drive program, strategic vision and initiatives, direction and coordination on specific efforts. They will identify opportunities and work with stakeholders.
For this role we are searching for candidates with skillsets consisting of customer centricity, stakeholder management, global operations and standards, and change management. The ideal candidate must be experienced in managing cross-functional initiatives and partnering with business partners. Candidates will also need to be able to proactively plan while being comfortable in adjusting quickly as needs change. Ideal candidates will be able to both dive into details while keeping the big picture in mind. The Strategic Consultant will also serve as the Supplier Engagement Manager to Operations global vendors.
Finally, in this role as with all roles within MassMutual, you will demonstrate accountability, agility, a dedication to be inclusive, a strong business acumen, and will show courage, even in the most difficult situations. We also highly value strong communication skills, a passion for learning, leadership traits, resilience, and self-awareness.

The Impact

• Develop and drive execution of Operations Global Workforce Strategy
• Create and establish workforce management standards and governance across Operations
• Partner with business stakeholders in achieving global workforce deliverables and roadmap
• Provide consultation to business partners on how to optimize their staffing, processes, and operating model
• Serve as the Supplier Engagement Manager with global vendors

Minimum Qualifications

• Bachelor's degree required
• 5+ years of overall industry experience
• 5+ years of experience in planning and managing strategic initiatives

Preferred Qualifications

• Strong strategic management and planning skillset
• Demonstrated ability to problem solve
• Strong history of sound decision making and leveraging data
• Advanced experience with Excel and developing presentations
• Self-driven, extremely energetic individual who has the vision of enhancing Operations global operating model and standards
• Experience in balancing a wide variety of priorities
• Excellent communication, presentation, influencing and reasoning skills

MassMutual is an Equal Employment Opportunity employer Minority/Female/Sexual Orientation/Gender Identity/Individual with Disability/Protected Veteran. We welcome all persons to apply. Note: Veterans are welcome to apply, regardless of their discharge status.

If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need. Read Less

Senior Model Risk Validation Analyst - Expert Judgement ModelsCountry: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilitiesWe Want to Talk to You!

The Difference You Make:

The Senior Model Risk Validation Analyst (Sr. Analyst, Model Risk) will be responsible for performing independent validation of models and expert judgement models used by the bank in conformance with regulatory guidance on model risk SR11-07. This individual's responsibility includes performing robust model validations, from input data, model methodology, outcome and usage and related controls and governance around model risk. This role involves internal communication with business and model development and external with vendors and third-party servicers. Furthermore, this individual is expected to take the day-to-day model risk governance responsibilities such as ongoing performance monitoring, orderly remediation of findings, and model annual reviews.

• Evaluates model assumptions and weaknesses, prepares reports describing the results of the validation analyses and list the recommendations for addressing any issues identified.

• Conducts robust validations of a wide variety of models against established standards, developing benchmark, challenger, and replication models where applicable.

• Advises senior personnel in their communications with risk committees, auditors, regulators, and senior management regarding model risk and its potential effects on the risk profile of the bank.

• Manages the resolution of findings with model owners and developers.

• Reviews ongoing model performance, assesses overall model health within a given framework, identifies potential problems and works with stakeholders to resolve issues identified.

• Partners with model owners and developers to understand the business context for model use, producing technical guidance and adding value to the business process.

• Develops and executes initiatives such as researching new trends in modeling and approaches to the management of associated model risk.

What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Bachelor's Degree or equivalent work experience in Statistics, Mathematics, Economics or equivalent quantitative discipline. - Required.

Master's Degree or PhD in a quantitative discipline such as Financial Engineering, Mathematics, Physics, Quantitative Finance, Economics, Statistics, or other relevant field of study. - Preferred.

3+ years of experience in Model Development, Validation and/or Model Risk Management function at a bank.

• Programming capabilities: Hands on programming skills required in common programming languages and packages like R, Python, Matlab, and SAS etc.

• Detailed familiarity with advanced quantitative analysis and applied statistical techniques in relevant asset/liability categories, including regression, time series forecasting, econometric modelling, PCA analysis, data mining, survival analysis, sensitivity, back-testing, model performance measurement.

• Familiarity with QRM, ADCo and Intex or similar systems highly preferred.

• Sound knowledge of financial numerical methods/PDEs, stochastic calculus, and option pricing.

• Ability to apply mathematical and statistical skill in a highly practical way to solve problems.

• Solid communication skill is required. Ability to work with senior management and other stakeholders.

• Outstanding time and stress management skills, team-work spirit. As a responsible level the team member should be a self-starter and need minimal direction from managers in pursuing projects.

Certifications:
No Certifications listed for this job.

It Would Be Nice For You To Have:
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

What Else You Need To Know :

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range

Minimum:

$67,500.00 USD

Maximum:

$140,000.00 USD

Link to Santander Benefits:

Santander Benefits - 2025 Santander OnGoing/NH eGuide ()

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions :

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required .

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next :

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs.

Primary Location:Boston, MA, Boston

Other Locations:Massachusetts-Boston

Organization:Santander Holdings USA, Inc.

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VP, Market RiskCountry: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilitiesWe Want to Talk to You!

The Difference You Make:

We are seeking a dynamic Market Risk manager to manage Market risk, liquidity and margining across our trading activities in equities, fixed income, futures, currencies and Exchange traded derivatives. The ideal candidate will combine deep product expertise with advanced understanding of margining methodology and operational set up of major central clearing houses and will work shaping the reporting, monitoring and risk & liquidity management across the platforms.

• Daily monitoring of firm portfolios at exchanges and the margin computation and evolution

• Daily projection of margin requirements and liquidity management in concert with firm treasury

• Act as subject matter expert in cleared products, CCP margining and methodologies (VaR, Special charges, risk-based haircuts etc.)

• Provide proactive risk analysis for desks and management to make prudent business decisions with liquidity and customer margining

• Present complex analysis and recommendations to senior management and risk committees as needed

• Drive enhancement in risk reporting, analytics and controls framework

• Contribute to development of risk policies, procedures and governance framework

• Lead the Central clearing project on behalf of market risk

What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:
Bachelor's Degree or equivalent work experience: Business, Finance, Management, or equivalent field. Req

Work Experience:

9+ Years Risk Management/Controls - Required.

7+ years in managing Market risk in a investment bank or dealer

Skills and Abilities:

Strong knowledge of central clearing and margining

Deep understanding of complex risk metrics like VaR

Knowledge of tools like Bloomberg, TS Imagine, Polypaths, Murex

Ability to code in VBA and Python a plus

Certifications:

No Certifications listed for this job.

It Would Be Nice For You To Have:
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

What Else You Need To Know :

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range

Minimum:

$120,000.00 USD

Maximum:

$205,000.00 USD

Link to Santander Benefits:

Santander Benefits - 2025 Santander OnGoing/NH eGuide ()

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions :

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required .

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next :

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs.

Primary Location:New York, NY, Madison Ave Corp

Other Locations:New York-New York

Organization:Santander US Capital Markets LLC

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Must accommodate our HYBRID work model (3 days a week in our Springfield or Boston office)

The Team

The OPMO oversees the execution of initiatives across Operations (Protection NB & UW, Policy Holder Services / Annuity NB, Strategy & Transformation, Shared Services & Enablement and Expense, Analytics & Governance). Our team partners closely with Distribution, Product and Legal/Compliance to deliver value through project implementation. We leverage standards put in place by the Corporate Function PMO (CFPMO) to drive consistency across our portfolio. The team is focused on driving and aligning critical programs and projects across our Operations organization, creating more visibility into this work, while enabling better prioritization, collaboration, and execution. We strive for continuous improvement and beset in class service to our clients.

We are a diverse team of project managers, who enjoy solving complex business problems with proven track records of excellence in project management and the ability to quickly structure and manage work in a dynamic, complex environment.

The Impact

As an Operations Project Manager, you will:

• Partner with Project Sponsors and Functional Managers to compile Discovery artifacts such as a Scope documents, Cost Benefit Analysis (CBA), Project Charter, high level Resource Plan, and high-level Milestone Plan to be reviewed to receive Discovery Funding
• Develop and maintain required Detailed Planning artifacts and manage plan execution
• Determine project scope and manage scope execution across multiple large projects or medium to large programs where scope is subject to change, contains high complexity and high degree of risk, large number of resources, and complex organizational change issues that support complex enterprise or strategic corporate goals
• Anticipate and address delivery challenges, and request budget changes if needed following associated Change Request Process
• Develop high-level milestones during Discovery and develop detailed project schedules during Detailed Planning
• Works with a high degree of autonomy to apply industry leading project and program management knowledge to refine the resource plan, develop a RACI Matrix, conduct a Key-Person Risk Assessment, and Third-Party Support Needs Assessment as needed
• Ensure early identification, resolution, and escalation of project risks through maintenance of Risk and Issue Log and project Pre-Mortem activity
• Drives continuous improvement and efficiencies beyond own scope of responsibility
• Accountable for meeting all business requirements from development through implementation
• Confirm achievement of objectives, verify and document project results to formalize acceptance of business & readiness deliverables by the sponsor
• Facilitate lessons learned for business team and retain information in a central location for future use

Minimum Qualifications

• Bachelor's degree or equivalent experience and expertise
• 5+ years of project management experience

Preferred Qualifications

• 6+ years of project management experience, 3+ within a PMO
• 5+ years of experience leading projects impacting the insurance industry
• Project Management Professional (PMP) certification or equivalent preferred
• Agile/Waterfall project management experience preferred
• Proven success in delivering complex long-term projects on time, within budget, and to scope
• Strong understanding of project management methodologies
• Excellent communication (written and verbal) and interpersonal skills
• Proficiency in project management software including but not limited to MS Project, MS Planner, and Jira

What to Expect as Part of MassMutual and the Team

• Regular meetings with the OPMO
• Focused one-on-one meetings with your manager
• Access to mentorship opportunities
• Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, veteran and disability-focused Business Resource Groups
• Access to learning content on Degreed and other informational platforms
• Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits

MassMutual is an Equal Employment Opportunity employer Minority/Female/Sexual Orientation/Gender Identity/Individual with Disability/Protected Veteran. We welcome all persons to apply. Note: Veterans are welcome to apply, regardless of their discharge status.

If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need. Read Less

Overview:

Student Supervision Associate Location: Arcadia, CA Pay Rate: $19.50/hour Status: Part-time Founded in 1997, Think Together partners with schools to change the odds for kids by providing award-winning programs during and outside the school day. We're one of California's largest nonprofits working in school districts from San Diego to San Francisco. Whether you're interested in early learning, elementary, middle or high school, you can invest in your community by working at a local school or working within our home office providing support! Under supervision of personnel, the Student Supervision Associate supervises students on the school ground, bus transportation, special events, and more by enforcing school rules and regulations. ESSENTIAL DUTIES AND RESPONSIBILITIES: Supervises students during breakfast, recess and/or lunch periods on the school grounds. Enforces rules and regulation, encourages and promotes courtesy among students. Implements organizational policies and procedures. Supervises students by utilizing PBIS strategies. Ensures the safety rules are obeyed. Reports the presence of persons loitering on school campus. Calls for assistance of authorized personnel in the event of an emergency. Follows school discipline plan; communicates with teachers regarding student behavior. Implements supervision strategies as indicated, modeled and coached by their supervisor. Communicates with both school and supervisor of any incident with students or staff. Other duties as assigned.
REQUIREMENTS: Experience supervising school age children Bilingual in Spanish, Cantonese, Vietnamese or Mandarin (preferred) Must clear TB and Fingerprint check. HOURS:Morning and early afternoon;time varies from 7:30 am-3:00 pm. You would only be assigned to one shift a day. Think Together is an Equal Opportunity Employer that does not discriminate on the basis of actual or perceived race, color, national origin, ancestry, sex, gender, gender identity, gender expression, pregnancy, childbirth or related medical conditions, religious creed, physical disability, mental disability, age for individuals age 40 and over, medical condition (as defined by state law (for example, cancer or genetic characteristics or HIV/AIDS), marital status, military and veteran status, sexual orientation, genetic information, citizenship status or any other characteristic protected by federal, state or local law. Our management team is dedicated to this policy with respect to recruitment, hiring, placement, promotion, transfer, training, compensation, benefits, employee activities and general treatment during employment. Read Less

Must accommodate our HYBRID work model (3 days a week in our Springfield or Boston office)

The Team

The OPMO oversees the execution of initiatives across Operations (Protection NB & UW, Policy Holder Services / Annuity NB, Strategy & Transformation, Shared Services & Enablement and Expense, Analytics & Governance). Our team partners closely with Distribution, Product and Legal/Compliance to deliver value through project implementation. We leverage standards put in place by the Corporate Function PMO (CFPMO) to drive consistency across our portfolio. The team is focused on driving and aligning critical programs and projects across our Operations organization, creating more visibility into this work, while enabling better prioritization, collaboration, and execution. We strive for continuous improvement and beset in class service to our clients.

We are a diverse team of project managers, who enjoy solving complex business problems with proven track records of excellence in project management and the ability to quickly structure and manage work in a dynamic, complex environment.

The Impact

As an Operations Project Manager, you will:

• Partner with Project Sponsors and Functional Managers to compile Discovery artifacts such as a Scope documents, Cost Benefit Analysis (CBA), Project Charter, high level Resource Plan, and high-level Milestone Plan to be reviewed to receive Discovery Funding
• Develop and maintain required Detailed Planning artifacts and manage plan execution
• Determine project scope and manage scope execution across multiple large projects or medium to large programs where scope is subject to change, contains high complexity and high degree of risk, large number of resources, and complex organizational change issues that support complex enterprise or strategic corporate goals
• Anticipate and address delivery challenges, and request budget changes if needed following associated Change Request Process
• Develop high-level milestones during Discovery and develop detailed project schedules during Detailed Planning
• Works with a high degree of autonomy to apply industry leading project and program management knowledge to refine the resource plan, develop a RACI Matrix, conduct a Key-Person Risk Assessment, and Third-Party Support Needs Assessment as needed
• Ensure early identification, resolution, and escalation of project risks through maintenance of Risk and Issue Log and project Pre-Mortem activity
• Drives continuous improvement and efficiencies beyond own scope of responsibility
• Accountable for meeting all business requirements from development through implementation
• Confirm achievement of objectives, verify and document project results to formalize acceptance of business & readiness deliverables by the sponsor
• Facilitate lessons learned for business team and retain information in a central location for future use

Minimum Qualifications

• Bachelor's degree or equivalent experience and expertise
• 5+ years of project management experience

Preferred Qualifications

• 6+ years of project management experience, 3+ within a PMO
• 5+ years of experience leading projects impacting the insurance industry
• Project Management Professional (PMP) certification or equivalent preferred
• Agile/Waterfall project management experience preferred
• Proven success in delivering complex long-term projects on time, within budget, and to scope
• Strong understanding of project management methodologies
• Excellent communication (written and verbal) and interpersonal skills
• Proficiency in project management software including but not limited to MS Project, MS Planner, and Jira

What to Expect as Part of MassMutual and the Team

• Regular meetings with the OPMO
• Focused one-on-one meetings with your manager
• Access to mentorship opportunities
• Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, veteran and disability-focused Business Resource Groups
• Access to learning content on Degreed and other informational platforms
• Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits

MassMutual is an Equal Employment Opportunity employer Minority/Female/Sexual Orientation/Gender Identity/Individual with Disability/Protected Veteran. We welcome all persons to apply. Note: Veterans are welcome to apply, regardless of their discharge status.

If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need. Read Less

Must accommodate our HYBRID work model (3 days a week in our Springfield or Boston office)

The Team

The OPMO oversees the execution of initiatives across Operations (Protection NB & UW, Policy Holder Services / Annuity NB, Strategy & Transformation, Shared Services & Enablement and Expense, Analytics & Governance). Our team partners closely with Distribution, Product and Legal/Compliance to deliver value through project implementation. We leverage standards put in place by the Corporate Function PMO (CFPMO) to drive consistency across our portfolio. The team is focused on driving and aligning critical programs and projects across our Operations organization, creating more visibility into this work, while enabling better prioritization, collaboration, and execution. We strive for continuous improvement and beset in class service to our clients.

We are a diverse team of project managers, who enjoy solving complex business problems with proven track records of excellence in project management and the ability to quickly structure and manage work in a dynamic, complex environment.

The Impact

As an Operations Project Manager, you will:

• Partner with Project Sponsors and Functional Managers to compile Discovery artifacts such as a Scope documents, Cost Benefit Analysis (CBA), Project Charter, high level Resource Plan, and high-level Milestone Plan to be reviewed to receive Discovery Funding
• Develop and maintain required Detailed Planning artifacts and manage plan execution
• Determine project scope and manage scope execution across multiple large projects or medium to large programs where scope is subject to change, contains high complexity and high degree of risk, large number of resources, and complex organizational change issues that support complex enterprise or strategic corporate goals
• Anticipate and address delivery challenges, and request budget changes if needed following associated Change Request Process
• Develop high-level milestones during Discovery and develop detailed project schedules during Detailed Planning
• Works with a high degree of autonomy to apply industry leading project and program management knowledge to refine the resource plan, develop a RACI Matrix, conduct a Key-Person Risk Assessment, and Third-Party Support Needs Assessment as needed
• Ensure early identification, resolution, and escalation of project risks through maintenance of Risk and Issue Log and project Pre-Mortem activity
• Drives continuous improvement and efficiencies beyond own scope of responsibility
• Accountable for meeting all business requirements from development through implementation
• Confirm achievement of objectives, verify and document project results to formalize acceptance of business & readiness deliverables by the sponsor
• Facilitate lessons learned for business team and retain information in a central location for future use

Minimum Qualifications

• Bachelor's degree or equivalent experience and expertise
• 5+ years of project management experience

Preferred Qualifications

• 6+ years of project management experience, 3+ within a PMO
• 5+ years of experience leading projects impacting the insurance industry
• Project Management Professional (PMP) certification or equivalent preferred
• Agile/Waterfall project management experience preferred
• Proven success in delivering complex long-term projects on time, within budget, and to scope
• Strong understanding of project management methodologies
• Excellent communication (written and verbal) and interpersonal skills
• Proficiency in project management software including but not limited to MS Project, MS Planner, and Jira

What to Expect as Part of MassMutual and the Team

• Regular meetings with the OPMO
• Focused one-on-one meetings with your manager
• Access to mentorship opportunities
• Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQIA+, veteran and disability-focused Business Resource Groups
• Access to learning content on Degreed and other informational platforms
• Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits

MassMutual is an Equal Employment Opportunity employer Minority/Female/Sexual Orientation/Gender Identity/Individual with Disability/Protected Veteran. We welcome all persons to apply. Note: Veterans are welcome to apply, regardless of their discharge status.

If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need. Read Less

The Opportunity

The Strategic Consultant will be responsible for developing, leading, and executing the Global Workforce Management strategic roadmap and initiatives for Operations to deliver the highest impact to customers while achieving expected business results. As a Strategic Consultant, you will leverage operational data, customer experience insights (VOC), and subject matter experts to identify opportunities to enhance Operations global operating model and establish standards. This role will drive program, strategic vision and initiatives, direction and coordination on specific efforts. They will identify opportunities and work with stakeholders.
For this role we are searching for candidates with skillsets consisting of customer centricity, stakeholder management, global operations and standards, and change management. The ideal candidate must be experienced in managing cross-functional initiatives and partnering with business partners. Candidates will also need to be able to proactively plan while being comfortable in adjusting quickly as needs change. Ideal candidates will be able to both dive into details while keeping the big picture in mind. The Strategic Consultant will also serve as the Supplier Engagement Manager to Operations global vendors.
Finally, in this role as with all roles within MassMutual, you will demonstrate accountability, agility, a dedication to be inclusive, a strong business acumen, and will show courage, even in the most difficult situations. We also highly value strong communication skills, a passion for learning, leadership traits, resilience, and self-awareness.

The Impact

• Develop and drive execution of Operations Global Workforce Strategy
• Create and establish workforce management standards and governance across Operations
• Partner with business stakeholders in achieving global workforce deliverables and roadmap
• Provide consultation to business partners on how to optimize their staffing, processes, and operating model
• Serve as the Supplier Engagement Manager with global vendors

Minimum Qualifications

• Bachelor's degree required
• 5+ years of overall industry experience
• 5+ years of experience in planning and managing strategic initiatives

Preferred Qualifications

• Strong strategic management and planning skillset
• Demonstrated ability to problem solve
• Strong history of sound decision making and leveraging data
• Advanced experience with Excel and developing presentations
• Self-driven, extremely energetic individual who has the vision of enhancing Operations global operating model and standards
• Experience in balancing a wide variety of priorities
• Excellent communication, presentation, influencing and reasoning skills

MassMutual is an Equal Employment Opportunity employer Minority/Female/Sexual Orientation/Gender Identity/Individual with Disability/Protected Veteran. We welcome all persons to apply. Note: Veterans are welcome to apply, regardless of their discharge status.

If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need. Read Less

Up to $10,000 Sign-On bonus based on experience

Job Summary

Under minimal supervision, performs complex diagnostic imaging procedures in at least two modalities, as requested by a licensed physician. Produces high quality diagnostic images while providing excellent patient care. Completes established competencies for the position within designated introductory period. Other related duties as assigned.

Employment practices will not be influenced or affected by an applicant's or employee's race, color, religion, sex (including pregnancy), national origin, age, disability, genetic information, sexual orientation, gender identity or expression, veteran status or any other legally protected status. Tenet will make reasonable accommodations for qualified individuals with disabilities unless doing so would result in an undue hardship.

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POSITION SUMMARY/RESPONSIBILITIES
Provides patient care under the direct supervision of the registered nurse.

EDUCATION/EXPERIENCE

• A high school diploma, its equivalent, or higher degree is required.
• Must have a minimum of 3 months previous hospital experience as a military corpsman, nursing attendant or be a graduate nurse waiting to retake the NCLEX examination.
• Must have a current AHA BLS Healthcare Provider or AHA BLS Instructor Provider card.

WHY SHOULD YOU APPLY?

• Advancement Opportunities
• Competitive Pay

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We are seeking highly professional and skilled Spray Technicians. The Spray Technician will be responsible for delivering and maintaining a healthy dynamic appearance for a variety of turf, shrubs, and trees at different locations.

What would my responsibilities be?

• Perform chemical and fertilizer applications on assigned high-profile properties.
• Scout properties beyond assigned needs for any issues. Report to Manager for direction to treat while on-site or future scheduling.
• Complete a pre-trip inspection report on vehicle, trailers, and equipment daily.
• Contribute to our safety culture by attending and actively participating in weekly safety trainings. Follow company safety protocols, identify, and communicate safety issues to the team.

Why Join Yellowstone?

• Competitive hourly pay, paid weekly
• Benefits package including health, dental and vision insurance, 401k with a company match
• Industry-leading safety programs
• Company provided safety gear
• Equipped with optimal and most professional equipment
• High profile customers, worksites, and landscape results -A company that values and appreciates YOU

Requirements

• Legal authorization to work in the United States
• Ability to diagnose insect, disease, and weed issues in the field.
• One year of experience in fertilization and chemicals
• Must have reliable transportation to the Branch or first job site
• Safe driving record and ability to successfully pass a Motor Vehicle Report ("MVR") required
• Strong English communication skills. Spanish a plus

Become part of the team dedicated to Excellence in Commercial Landscaping

Read Less

We are seeking highly professional and skilled Spray Technicians. The Spray Technician will be responsible for delivering and maintaining a healthy dynamic appearance for a variety of turf, shrubs, and trees at different locations.

What would my responsibilities be?

• Perform chemical and fertilizer applications on assigned high-profile properties.
• Scout properties beyond assigned needs for any issues. Report to Manager for direction to treat while on-site or future scheduling.
• Complete a pre-trip inspection report on vehicle, trailers, and equipment daily.
• Contribute to our safety culture by attending and actively participating in weekly safety trainings. Follow company safety protocols, identify, and communicate safety issues to the team.

Why Join Yellowstone?

• Competitive hourly pay, paid weekly
• Benefits package including health, dental and vision insurance, 401k with a company match
• Industry-leading safety programs
• Company provided safety gear
• Equipped with optimal and most professional equipment
• High profile customers, worksites, and landscape results -A company that values and appreciates YOU

Requirements

• Legal authorization to work in the United States
• Ability to diagnose insect, disease, and weed issues in the field.
• One year of experience in fertilization and chemicals
• Must have reliable transportation to the Branch or first job site
• Safe driving record and ability to successfully pass a Motor Vehicle Report ("MVR") required
• Strong English communication skills. Spanish a plus

Become part of the team dedicated to Excellence in Commercial Landscaping

Read Less

We are seeking highly professional and skilled Spray Technicians. The Spray Technician will be responsible for delivering and maintaining a healthy dynamic appearance for a variety of turf, shrubs, and trees at different locations.

What would my responsibilities be?

• Perform chemical and fertilizer applications on assigned high-profile properties.
• Scout properties beyond assigned needs for any issues. Report to Manager for direction to treat while on-site or future scheduling.
• Complete a pre-trip inspection report on vehicle, trailers, and equipment daily.
• Contribute to our safety culture by attending and actively participating in weekly safety trainings. Follow company safety protocols, identify, and communicate safety issues to the team.

Why Join Yellowstone?

• Competitive hourly pay, paid weekly
• Benefits package including health, dental and vision insurance, 401k with a company match
• Industry-leading safety programs
• Company provided safety gear
• Equipped with optimal and most professional equipment
• High profile customers, worksites, and landscape results -A company that values and appreciates YOU

Requirements

• Legal authorization to work in the United States
• Ability to diagnose insect, disease, and weed issues in the field.
• One year of experience in fertilization and chemicals
• Must have reliable transportation to the Branch or first job site
• Safe driving record and ability to successfully pass a Motor Vehicle Report ("MVR") required
• Strong English communication skills. Spanish a plus

Become part of the team dedicated to Excellence in Commercial Landscaping

Read Less

We are seeking highly professional and skilled Spray Technicians. The Spray Technician will be responsible for delivering and maintaining a healthy dynamic appearance for a variety of turf, shrubs, and trees at different locations.

What would my responsibilities be?

• Perform chemical and fertilizer applications on assigned high-profile properties.
• Scout properties beyond assigned needs for any issues. Report to Manager for direction to treat while on-site or future scheduling.
• Complete a pre-trip inspection report on vehicle, trailers, and equipment daily.
• Contribute to our safety culture by attending and actively participating in weekly safety trainings. Follow company safety protocols, identify, and communicate safety issues to the team.

Why Join Yellowstone?

• Competitive hourly pay, paid weekly
• Benefits package including health, dental and vision insurance, 401k with a company match
• Industry-leading safety programs
• Company provided safety gear
• Equipped with optimal and most professional equipment
• High profile customers, worksites, and landscape results -A company that values and appreciates YOU

Requirements

• Legal authorization to work in the United States
• Ability to diagnose insect, disease, and weed issues in the field.
• One year of experience in fertilization and chemicals
• Must have reliable transportation to the Branch or first job site
• Safe driving record and ability to successfully pass a Motor Vehicle Report ("MVR") required
• Strong English communication skills. Spanish a plus

Become part of the team dedicated to Excellence in Commercial Landscaping

Read Less

General information Job Posting Title Quality Control Analyst - Background Clearance Investigation TS Date Thursday, July 3, 2025 City Boyers State PA Country United States Working time Full-time Description & Requirements Job-Specific Essential Duties and Responsibilities: -Develops and implements processes and procedures meant to improve and maintain quality throughout the organization -Reports to the Department head or Team Lead -Performs inspections of finished or in-process goods, analyzes data, and identifies trends in defects or errors. -Investigate quality failures and recommend changes to internal procedures to prevent future quality issues. -Assesses and reports on the impact of process changes on quality. -May be responsible for monitoring vendors or suppliers for compliance with established or contracted quality standards.
Job-Specific Minimum Requirements: -Active Top-Secret clearance -High school degree with 2-3 years experience -Ability to go on-site to location within Boyers, PA -Performs work under direct supervision. -Handles basic issues and problems, and refers more complex issues to higher-level staff. -Possesses beginning-to-working knowledge of subject matter.
Job-Specific Preferred Skills & Experience: -Ability to work as part of a team. -Problem/situation analysis. -Detail oriented. -Ability to meet deadlines. -Attentiveness.

Essential Duties and Responsibilities:
- Works on assignments that are moderately difficult, requiring judgement in resolving issues.
- Follow procedures and directions to assess the quality of service provided through monitoring incoming calls and other work types which focusing on the quality of customer service, accuracy of information provided, and adherence to established policies and procedures.
- Conduct call monitoring sessions to ensure workers are performing in accordance with established quality and performance standards.
- Provide feedback on call monitoring results.
- Evaluate recorded and/or transcribed interactions of a complex nature between the caller/chatter/correspondent and the worker, and provide appropriate context of ratings.

Minimum Requirements
- High School diploma or equivalent with 2-4 years of experience.

- Associate degree preferred.
- May have training or education in area of specialization.

EEO Statement Maximus is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information and other legally protected characteristics. Pay Transparency For positions on this contract, Maximus will pay the prevailing wage rate for the location in which the employee is working, as determined by the Department of Labor. That wage rate will vary depending on locality. An applicant's salary history will not be used in determining compensation. Minimum Salary $ 28.87 Maximum Salary $ 28.87 Read Less

Looking for an ambitious assistant project manager to learn all aspects of a project. Must be passionate about learning union carpentry trade and taking a project from beginning to end. Great opportunity. Microsoft Excel and blueprint reading skills a plus. Please send resume and salary requirements. College grads are welcome Read Less

Need help with running errands, laundry, occasionally picking up kids ages 13 and 11, from school in south loop, and light housekeeping. The hours are flexible but must be available 1pm-7pm. Will need to start ASAP. Hourly rate starting $17, negotiable Read Less