ROLE SUMMARY

All over the world, Pfizer colleagues work together to positively impact health for everyone, everywhere. Our colleagues can grow and develop a career that offers both individual and company success; be part of an ownership culture that values diversity and where all colleagues are energized and engaged; and can impact the health and lives of millions of people. Pfizer, a global leader in the biopharmaceutical industry, is continuously seeking top talent who are inspired by our purpose to innovate to bring therapies to patients that significantly improve their lives.   An integral part of Migraine Team’s mission is to bring breakthrough therapy for patients suffering from migraine.

Pfizer is advancing in Neuroscience, and we are committed to providing breakthroughs that change patients’ lives. An integral part of the Migraine Team’s mission is to promote a breakthrough therapy for patients suffering from migraine. 

The Area Business Manager (ABM) is responsible for motivating, managing and developing a high performing team of sales professionals, driving understanding of relevant policies and guidance and advancing a culture of excellence.  The ABM will be responsible for the supervision and leadership of 9-12 representatives within the area assigned, sales performance of the business portfolio of products, and business knowledge of the area landscape to assess key stakeholders plus future trends within the business marketplace. This position will require regular coaching and observation of Neuroscience Health & Science Professionals and frequent customer contact as well as the development of a strong, effective partnership with marketing and channel colleagues. The  ABM will report to the Regional Business Director.

ROLE RESPONSIBILITIES

• The ABM is responsible for supervising operations of the District to include hiring, coaching, representative development, performance management, and manages 9-12 Neuroscience Health and Science Professionals (HSP).
• Ensure full compliance of selling activities for oneself and the team and ensure legal and regulatory compliance requirements
• Possess strong presentation, organization, administrative and communication skills and models a professional and polished impression 
• Ensure colleagues receive development opportunities to maintain engagement and support their career growth
• Develops and implements strategic plans for the District, business plan, and overall responsibility for budgets at district level in alignment with expectations
• Plans, organizes, and monitors performance to achieve the business potential of the District
• Ensuring effective utilization of promotional material,  measuring efficient implementation of the plans in the field
• Proactive data analysis to identify market trends
• Collaborates, identifies, & motivates key account development and opportunities that impact Area/National business
• Build relationships with customers (including KOLs) and key stakeholders (including members of the District and Area Management Teams, Channel Partners, and other cross-functional partners) and utilizes content appropriately for engagement
• Consistently model high knowledge and the ability to engage customers in a clinical conversation
• Understands and champions the value of cross-functional collaboration to deliver on customer needs, while ensuring that compliance guardrails are respected by HSP
• Coaches HSPs on seamlessly connecting cross-functional colleagues to address customer needs utilizing digital tools
• Collaborates, identifies, and partners with Marketing in the development of the key strategies, business imperatives and objectives during the Op Plan process
• Able to expertly operate digital and virtual tools/platforms
• Maintains growth and entrepreneurial mindset
• Works with all members of District to coach and counsel on improvement of performance and skill execution of selling skills, product knowledge, and capabilities needed for successful HSP development
• Ensures actions of self and team are fully compliant; has complete understanding of all relevant compliance policies and processes; escalates issues, as necessary, and ensures appropriate commitment to integrity within their team
• Applies situational leadership skills employing multiple and interactive methods of coaching across all engagement types to strengthen HSP capabilities
• Builds strong team culture, colleague engagement, and morale
• Promotes a feedback culture and continuous improvement mindset in team to assess quality of customer experience
• Establish team goals and hold team members accountable

BASIC QUALIFICATIONS

• Bachelor's Degree required
• Previous pharmaceutical, biotech, or medical marketing/sales experience with at least 3-5 years spent in a position with demonstrated leadership across Peer and Customer Groups.
• Ability to develop and motivate others, lead through change, and deliver on Pfizer business imperatives
• Strong organizational and analytical skills required and ability to analyze and draw appropriate conclusions using sales data/call reporting software/applications
• This position will require travel, including overnight travel, as needed to develop internal and external relationships
• Valid US driver’s license and a driving record in compliance with company standards
• Candidate demonstrates a breadth of diverse leadership experiences and capabilities including: the ability to influence and collaborate with peers, develop and coach others, oversee and guide the work of other colleagues to achieve meaningful outcomes and create business impact

PREFERRED QUALIFICATIONS

• MBA or relevant graduate degree preferred
• 3-5 years of people management experience preferred
• Experience working with key thought leaders or high influence customers in large group practices, hospitals, or managed care organizations preferred
• Cross-functional collaboration mindset to facilitate “One Pfizer” commitment to customer
• Feedback culture mindset, to proactively identify areas of improvement with new Rep 2.0 responsibilities
• Additional digital, Legal and Compliance training to ensure personal adherence, as well as leadership by example for team adherence (incl. contracting permissions/guidelines)
• Model/leader for change, agility, and adaptability
• Enhanced competency level on virtual and digital tools/platforms for customer engagement, team management, and collaboration
• Data-driven resource management to ensure proper channel deployment
• Demonstrated ability both to think strategically and to execute flawlessly to deliver results
• Strong track record of collaborative and motivational leadership and internal stakeholder management skills
• Enterprise thinking; anticipates consequences
• Excellent facilitation skills
• Product launch experience
• Experience in Specialty Sales
   

Relocation assistance may be available based on business needs and/or eligibility.

What You Will Achieve

All over the world, Pfizer colleagues work together to positively impact health for everyone, everywhere.  Our colleagues have the opportunity to grow and develop a career that offers both individual and company success; be part of an ownership culture that values diversity and where all colleagues are energized and engaged; and the ability to impact the health and lives of millions of people. Pfizer, a global leader in the biopharmaceutical industry, is continuously seeking top talent who are inspired by our purpose to innovate to bring therapies to patients that significantly improve their lives.    
    
The Vaccines Health and Science Professional (HSP) is responsible for the promotion of a Vaccines Portfolio across customers and channels.  This position will require regular live in field customer engagement in addition to virtual engagements.     
    
The HSP is accountable for launching new products, deciding upon the best strategies to manage business relationships, understanding, and securing formulary access, and engaging in product promotion within the assigned geography. In addition, the HSP is charged with sales efforts and relationship development with customers and accounts, including Therapeutic Area Specialists, and Key Opinion Leaders (KOLs).    
    
The HSP should possess customer, market and business acumen combined with strong product and disease state knowledge; demonstrate strong sales, strategic business development, account management skills and in-depth customer engagement expertise in both virtual and in-person settings; utilize a systematic approach to virtual engagement (e.g., clear agenda, next steps/follow ups); have outstanding communications skills; be adept in the operation of digital and virtual tools/multi-platforms skills.  Effective at working remotely in collaboration with cross-functional internal teams to address customer needs and compliantly deliver on Pfizer business objectives.    
    
How You Will Achieve It   

• Drive adult vaccines sales in the Buffalo territory to include the counties of Erie, Niagara, Genesee and Monroe to maximize approved business objectives

• Engages with customers both face to face and virtually

• Develops and implements effective business and territory call plans; effectively identifies and implements live/virtual engagement strategies with customer to maximize overall effectiveness and impact

• Effectively builds rapport and relationships with customers in both live and virtual environments; uses judgment to maintain customer engagement by successfully utilizing existing and ever-changing digital tools effectively for successful customer engagement

• Understands and leverages internal reports and analytics to assist with identifying, developing, and implementing strategic business opportunities

• Compliantly leverages product and disease state knowledge using approved clinically oriented disease state information and patient resources, as applicable

• Demonstrates market knowledge, uncovering barriers and drivers across all relevant business channels (Private Market, Retail, etc.)

• Collaborate effectively and compliantly with cross-functional colleagues, including Field Medical and Account Management, to address customer inquiries and advance Pfizer objectives

• Completes all administrative expectations on time and compliantly (e.g., entering customer calls appropriately, submitting expenses, responding to all requests from sales leadership, managers and/or Pfizer internal partners)

Qualifications
Must-Have   

• Bachelor’s Degree

• Minimum 2 years’ experience in one or more of the following:

• Professional Sales or Promotional Activity

• Small Business Owner or other Entrepreneurial experience, Marketing, Customer Service and/or Account Management

• Educator (e.g., Teacher, Principal)

• Full time Military experience

• Must live within 20 miles of the border of the territory

• Valid US driver’s license and a driving record in compliance with company standards

    
Nice-To-Have   

• 1 year of pharmaceutical, biotech, medical sales and/or medical related marketing

• Strong track record of sales or marketing success, strong territory management skills, outstanding communications skills, as well as demonstrated teamwork, leadership ability and accountability  

• Experience with Vaccines therapeutic area and products

• Knowledge of posted territory customers and markets (prescribers/HCPs/institutions/organizations)

• Reside within the territory boundaries

    
Non-Standard Work Schedule, Travel or Environment Requirements     

• Ability to travel to all accounts/office locations within territory

• Depending on size of territory and business need, candidates may be required to stay overnight as necessary

Other Job Details

• Last day to apply: March 20, 2024

• The annual base salary for this position ranges from $71,700 to $180,200. In addition, this position offers an additional quarterly Sales Incentive bonus. We offer comprehensive and generous benefits and programs to help our colleagues lead healthy lives and to support each of life’s moments. Benefits offered include a 401(k) plan with Pfizer Matching Contributions and an additional Pfizer Retirement Savings Contribution, paid vacation, holiday and personal days, paid caregiver/parental and medical leave, and health benefits to include medical, prescription drug, dental and vision coverage. Learn more at Pfizer Candidate Site – U.S. Benefits| (uscandidates.mypfizerbenefits.com). Pfizer compensation structures and benefit packages are aligned based on the location of hire. The United States salary range provided does not apply to any location outside of the United States. 

Relocation assistance may be available based on business needs and/or eligibility.

Relocation assistance may be available based on business needs and/or eligibility.

What You Will Achieve

All over the world, Pfizer colleagues work together to positively impact health for everyone, everywhere. Our colleagues can grow and develop a career that offers both individual and company success; be part of an ownership culture that values diversity and where all colleagues are energized and engaged; and can impact the health and lives of millions of people. Pfizer, a global leader in the biopharmaceutical industry, is continuously seeking top talent who are inspired by our purpose to innovate to bring therapies to patients that significantly improve their lives.

Pfizer has a deep heritage and leadership in cardiovascular disease, and we are committed to providing breakthroughs that change patients’ lives.  An integral part of Internal Medicine, the Cardiology (CARD) Team’s mission is to promote a breakthrough therapy for patients suffering from NVAF or VTE. 

The CARD Health & Science Professional (HSP) is responsible for increasing territory sales and relationship development with assigned customers and accounts by engaging in product promotion and determining the best strategies to manage their business. 

A CARD HSP should possess customer, market, and business acumen, analytical skills, and strong product and disease state knowledge; demonstrate ability to drive sales, promotional and strategic business development and management skills, and in-depth customer engagement expertise both in-person and virtually; demonstrate outstanding communication and teamwork skills; be adept in the operation of digital and virtual tools; and be effective at working remotely in collaboration with cross-functional internal teams to address customer needs and compliantly deliver on Pfizer business objectives.

How You Will Achieve It

• Drives sales in assigned territory.
• Engages with customers both face to face and virtually.
• Develops and implements effective business and territory call plans; effectively identifies and implements live/virtual engagement strategies with customer to maximize overall effectiveness and impact.
• Effectively builds rapport and relationships with customers in both live and virtual environments; uses judgment to maintain customer engagement by successfully utilizing existing and ever-changing digital tools effectively for successful customer engagement.
• Understands and leverages internal reports and analytics to assist with identifying, developing, and implementing strategic business opportunities.
• Compliantly leverages product and disease state knowledge to appropriately educate providers on unbranded and branded product value proposition for relevant patient populations and effectively and strategically utilizes approved clinically oriented disease state information and patient resources, as applicable.
• Demonstrates strong teamwork capabilities to collaborate effectively and compliantly across the organization to address customer inquiries and advance Pfizer objectives.
• Completes all administrative expectations on time and compliantly.

Qualifications

Must-Have

• Bachelor’s Degree
• Minimum 2 years of experience in one or more of the following:

-Professional Sales or Promotional Activity

-Small Business Owner or other Entrepreneurial experience, Marketing, Customer Service and/or Account   

Management

-Relevant Healthcare/Scientific roles (e.g., RN, Pharmacist, PT, OT, etc.)

-Educator (e.g., Teacher, Principal)

-Full Time Military experience

• Must live within 25 miles of the border of the territory.
• Valid US driver’s license and a driving record in compliance with company standards.

Nice-to-Have

• 1 year of pharmaceutical, biotech, medical sales and/or medical related marketing.
• Strong track record of sales or marketing success, strong territory management skills, outstanding communications skills, as well as demonstrated teamwork, leadership ability and accountability.
• Experience with applicable disease states, therapeutic area, and products. 
• Knowledge of posted territory customers and markets (prescribers/HCPs/institutions/organizations).
• Reside within the territory boundaries.

PHYSICAL/MENTAL REQUIREMENTS

• Must be able to drive

NON-STANDARD WORK SCHEDULE, TRAVEL OR ENVIRONMENT REQUIREMENTS

• Ability to travel to all accounts/office locations within territory

• Depending on size of territory and business need, candidates may be required to stay overnight as necessary

ADDITIONAL JOB DETAILS:

• Relocation support available.
• Last day to apply: March 26th, 2024

The annual base salary for this position ranges from $70,600 to $167,600. In addition, this position offers an additional quarterly Sales Incentive bonus. We offer comprehensive and generous benefits and programs to help our colleagues lead healthy lives and to support each of life’s moments. Benefits offered include a 401(k) plan with Pfizer Matching Contributions and an additional Pfizer Retirement Savings Contribution, paid vacation, holiday and personal days, paid caregiver/parental and medical leave, and health benefits to include medical, prescription drug, dental and vision coverage. Learn more at Pfizer Candidate Site – U.S. Benefits| (uscandidates.mypfizerbenefits.com). Pfizer compensation structures and benefit packages are aligned based on the location of hire. The United States salary range provided does not apply to any location outside of the United States.

Relocation assistance may be available based on business needs and/or eligibility.

How You Will Achieve It

• Drive sales in assigned territory to maximize approved business objectives

• Engages with customers both face to face and virtually

• Develops and implements effective business and territory call plans; effectively identifies and implements live/virtual engagement strategies with customer to maximize overall effectiveness and impact

• Effectively builds rapport and relationships with customers in both live and virtual environments; uses judgment to maintain customer engagement by successfully utilizing existing and ever-changing digital tools effectively for successful customer engagement

• Understands and leverages internal reports and analytics to assist with identifying, developing, and implementing strategic business opportunities

• Compliantly leverages product and disease state knowledge using approved clinically oriented disease state information and patient resources, as applicable

• Demonstrates market knowledge, uncovering barriers and drivers across all relevant business channels (Public Health, Private Market, Retail, etc.)

• Collaborate effectively and compliantly with cross-functional colleagues, including Field Medical and Account Management, to address customer inquiries and advance Pfizer objectives

• Completes all administrative expectations on time and compliantly (e.g., entering customer calls appropriately, submitting expenses, responding to all requests from sales leadership, managers and/or Pfizer internal partners)

Qualifications

Must-Have

• Bachelor’s Degree

• Minimum 2 years’ experience in one or more of the following:

• Professional Sales or Promotional Activity

• Small Business Owner or other Entrepreneurial experience, Marketing, Customer Service and/or Account Management

• Relevant Healthcare/Scientific roles (e.g., RN, Pharmacist, PT, OT, etc.)

• Educator (e.g., Teacher, Principal)

• Full time Military experience

• Must live within 25 miles of the border of the territory

• Valid US driver’s license and a driving record in compliance with company standards

Nice-To-Have

• 1 year of pharmaceutical, biotech, medical sales and/or medical related marketing

• Strong track record of sales or marketing success, strong territory management skills, outstanding communications skills, as well as demonstrated teamwork, leadership ability and accountability 

• Experience with Vaccines therapeutic area and products

• Knowledge of posted territory customers and markets (prescribers/HCPs/institutions/organizations)

• Reside within the territory boundaries

Other Job Details

• Last day to apply: March 21, 2024

• The annual base salary for this position ranges from $71,700 to $180,200. In addition, this position offers an additional quarterly Sales Incentive bonus. We offer comprehensive and generous benefits and programs to help our colleagues lead healthy lives and to support each of life’s moments. Benefits offered include a 401(k) plan with Pfizer Matching Contributions and an additional Pfizer Retirement Savings Contribution, paid vacation, holiday and personal days, paid caregiver/parental and medical leave, and health benefits to include medical, prescription drug, dental and vision coverage. Learn more at Pfizer Candidate Site – U.S. Benefits| (uscandidates.mypfizerbenefits.com). Pfizer compensation structures and benefit packages are aligned based on the location of hire. The United States salary range provided does not apply to any location outside of the United States. 

Relocation assistance may be available based on business needs and/or eligibility.

Divisional Vice President –Annuity Wholesaler

Who we are

Corebridge Financial helps people make some of the most important decisions they’re ever going to make. We help them plan and take action to protect the future they envision, and respond to some of life’s most difficult moments through the solutions and services we provide. We do this through our broad portfolio of life insurance, retirement and institutional products, offered through an extensive, multichannel distribution network. We provide solutions for a brighter future through our customer-focused service, breadth of product expertise, deep distribution relationships, and outstanding team of hardworking and passionate employees.

Get to know the business

Corebridge Financial is a unique franchise that brings together a broad portfolio of life insurance, retirement and institutional products offered through an extensive, multichannel distribution network. It holds longstanding, leading market positions in many of the markets it serves
in the U.S

About the role

What you need to know:

The Divisional Vice President will be responsible for selling Corebridge Financial Annuity products through a broker/dealer or other assigned distribution network. Working from a home office and covering a territory consisting of Central and Northern NJ and parts of NY, the role will be required to travel to the offices in said territory in a pre-designated loop format to conduct office presentations and one-on-one meetings with registered representatives.

The position reports directly to the Vice President, Divisional Sales Manager and sells to an assigned territory in the Independent Financial Advisor Channel.

Responsibilities will include traveling to and participating in (participation would be defined as, but not limited to: relationship building and firm or product presentations) firm sponsored or broker/dealer sponsored due diligence meetings and training meetings/sessions. Providing public seminars for investors and selling Corebridge Financial Annuity products through assigned broker dealers or assigned distribution channel.

Performance Objectives:

• Maximize territory performance and increase sales
• Development and implement a strategic territorial plan
• Become a recognized product line and industry expert
• Establish a professional selling process
• Develop deep on-going relationships with each account
• Develop solid relationship with internal wholesaling partner.

What we’re looking for:

• Must have a proven aptitude in financial services or have related experience.
• Requires 3+ years of successful outside sales experience managing a territory and meeting minimum sales quotas with little or no supervision. Candidate must be an adept public speaker.
• Licenses required: FINRA Series 6 or 7 and 63 license in good standing and NJ and NY Life and Health.
• BA/BS or equivalent work experience.

We are an Equal Opportunity Employer

Corebridge Financial, Inc., its subsidiaries and affiliates are committed to be an Equal Opportunity Employer and its policies and procedures reflect this commitment. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories such as sexual orientation. At Corebridge Financial, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. Through a wide variety of programs and initiatives, we invest in each employee, seeking to ensure that our people are not only respected as individuals, but also truly valued for their unique perspectives.

To learn more please visit: www.corebridgefinancial.com

Corebridge Financial is committed to working with and providing reasonable accommodations to job applicants and employees with physical or mental disabilities.  If you believe you need a reasonable accommodation in order to search for a job opening or to complete any part of the application or hiring process, please send an email to TalentandInclusion@corebridgefinancial.com.   Reasonable accommodations will be determined on a case-by-case basis.

Functional Area:

IFA Eastern Pennsylvania – DVP

Divisional Vice President –Annuity Wholesaler

Who we are

Corebridge Financial helps people make some of the most important decisions they’re ever going to make. We help them plan and take action to protect the future they envision, and respond to some of life’s most difficult moments through the solutions and services we provide. We do this through our broad portfolio of life insurance, retirement and institutional products, offered through an extensive, multichannel distribution network. We provide solutions for a brighter future through our customer-focused service, breadth of product expertise, deep distribution relationships, and outstanding team of hardworking and passionate employees.

Get to know the business

Corebridge Financial is a unique franchise that brings together a broad portfolio of life insurance, retirement and institutional products offered through an extensive, multichannel distribution network. It holds longstanding, leading market positions in many of the markets it serves
in the U.S

About the role

What you need to know:

The Divisional Vice President will be responsible for selling Corebridge Financial Annuity products through a broker/dealer or other assigned distribution network. Working from a home office and covering a territory consisting of eastern Pennsylvania, the role will be required to travel to the offices in said territory in a pre-designated loop format to conduct office presentations and one-on-one meetings with registered representatives.

The position reports directly to the Vice President, Divisional Sales Manager and sells to an assigned territory in the Independent Financial Advisor Channel.

Responsibilities will include traveling to and participating in (participation would be defined as, but not limited to: relationship building and firm or product presentations) firm sponsored or broker/dealer sponsored due diligence meetings and training meetings/sessions. Providing public seminars for investors and selling Corebridge Financial Annuity products through assigned broker dealers or assigned distribution channel.

Performance Objectives:

• Maximize territory performance and increase sales
• Development and implement a strategic territorial plan
• Become a recognized product line and industry expert
• Establish a professional selling process
• Develop deep on-going relationships with each account
• Develop solid relationship with internal wholesaling partner.

What we’re looking for:

• Must have a proven aptitude in financial services or have related experience.
• Requires 3+ years of successful outside sales experience managing a territory and meeting minimum sales quotas with little or no supervision. Candidate must be an adept public speaker.
• Licenses required: FINRA Series 6 or 7 and 63 license in good standing and PA Life and Health.
• BA/BS or equivalent work experience.

We are an Equal Opportunity Employer

Corebridge Financial, Inc., its subsidiaries and affiliates are committed to be an Equal Opportunity Employer and its policies and procedures reflect this commitment. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories such as sexual orientation. At Corebridge Financial, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. Through a wide variety of programs and initiatives, we invest in each employee, seeking to ensure that our people are not only respected as individuals, but also truly valued for their unique perspectives.

To learn more please visit: www.corebridgefinancial.com

Corebridge Financial is committed to working with and providing reasonable accommodations to job applicants and employees with physical or mental disabilities.  If you believe you need a reasonable accommodation in order to search for a job opening or to complete any part of the application or hiring process, please send an email to TalentandInclusion@corebridgefinancial.com.   Reasonable accommodations will be determined on a case-by-case basis.

Functional Area:

Job Overview:

Lexia's Customer Success team is seeking an experienced Professional Learning Facilitator to deliver effective and engaging professional learning sessions to our customers and support our internal teams. They are the key components of capacity that enable the success of fidelity implementation in practice.

Our Professional Learning Facilitators assure the development of relevant competencies, necessary organization support, and engaged leadership.  This person will be responsible for articulating best practices around onsite and online facilitation, coaching, and supporting the current internal training programs and resources to reflect those best practices. The Professional Learning Facilitator is involved in preparing and attending internal meetings held monthly and is instrumental in certifying others, within the customer success team.

Location:
This is a remote opportunity specific to the areas of DC, Maryland and Virginia (DMV). Candidates should be within comfortable commutable driving distance to the DMV area and must be willing and able to travel up to 75% in-state and some out-of-state. This will, at times, include overnight travel as needed.
 

Job Responsibilities:

• Facilitate professional learning sessions for our educators

• Participate and support on-boarding and ongoing internal training of our product

• Work collaboratively with the Manager of Professional Facilitators to ensure the delivery of successful, engaging, and effective learning experiences

• Collaborate with implementation managers to understand the intention behind each session and customize as needed

• Collaborate and advise the Professional Learning and Product teams as they develop materials for onsite and online use

• Review survey data and apply the feedback toward professional growth

• Complete post-learning experience report within specified time frames

• Enhance the existing internal training program by adding additional tasks/information and actively coaching those going through internal professional learning.

• Support and facilitate quarterly meetings with other national facilitators to share best practices

• Stay abreast of the latest research in the area of delivery and share those with others within our organization

Job Requirements:

• Bachelor's degree in education required. Master’s degree preferred

• At least 5 years of teaching experience in K-12 literacy education

• At least 2 years of literacy and/or instructional coach experience, providing Professional Learning experience to Adult Learners

• >2 years ESL Instruction in K-12 preferred

• Superior facilitation, active engagement, and presentation skills

• Strong ability to motivate k-12 educators, read the audience, pivot, and manage time

• Familiarity with adult learning required

• Experience working with English as a Second Language students preferred

• Exceptional written and verbal communication skills

• Flexibility with delivering learning sessions early in the morning and late in the evening

• Organized and able to multitask

• Ability to travel up to 75% in-state and out of state nationally as needed. This can include occasional weekends and holidays observed

• Participate and support on-boarding and ongoing internal training of our product

• Work collaboratively with the Manager of Professional Facilitators to ensure the delivery of successful, engaging, and effective learning experiences

• Collaborate with Customer Success Managers to understand the intention behind each session and customize as needed

• Collaborate and advise the Professional Learning and Product teams as they develop materials for onsite and online use

• Review survey data and apply the feedback toward professional growth

• Complete post-learning experience report within specified time frames

• Enhance the existing internal training program by adding additional tasks/information and actively coaching those going through internal professional learning

• Support and Facilitate quarterly meetings with other national facilitators to share best practices

• Stay abreast of the latest research in the area of delivery and share those with others within our organization

• Due to company policy, the candidate must be vaccinated against the COVID-19 virus (SARS-CoV-2) to fulfill the in-person/travel requirements for this role, subject to any approved medical, religious or other legally required accommodation.

To learn more about our organization and the exciting work we do, visit https://www.lexialearning.com/

An Equal Opportunity Employer

We are dedicated to fostering a culture that celebrates unique backgrounds, ideas, and experiences. All qualified applicants will receive consideration for employment without discrimination on the basis of race, color, age, religion, sex, gender, gender identity/expression, sexual orientation, national origin, protected veteran status, or disability.

Please Note: Internal Employees, please access the Career app on the Workday Dashboard to apply for the position.

University of Massachusetts Global (UMass Global), a private nonprofit affiliate of the University of Massachusetts, is accredited by the WASC Senior College and University Commission (WSCUC). UMass Global (formerly Brandman University) offers nationally recognized academic programs for the nontraditional learner fully online and through UMass Global MyPath, its self-paced online competency-based education.

School of Business & Professional Studies

Requirements for the positions are:

• Graduate degree in Discipline
• A minimum of 2 years’ experience teaching adult learners online and in higher education, with the ability to create and maintain an environment which emphasizes learning and encourages free discussion of ideas and critical thinking.

Preferred qualifications include:

• Online teaching experience
• Experience with teaching adult learners

Applicants from the following states will receive first consideration.

Location: Remote from any of the following states – Alabama, Arizona, California, Georgia, Idaho, Indiana, Massachusetts, Minnesota, Nevada, New Hampshire, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Wisconsin.

The following salary range reflects compensation paid for a 3-unit course (101.25 hours) and varies based on the faculty member’s course assignment (see the full compensation policy for details including varying credit levels):

• Undergraduate course assignment: $3348 per course
• Graduate course assignment: $3748 per course

All course sections are taught online via Blackboard. Synchronous lectures, when required, are held Monday-Thursday on Zoom starting between 3-7pm PST.

Contracts are 10 weeks (1 week designated for prep, 8 weeks of instruction, 1 week for processing final grades).

To apply, please submit the following as part of your application:

• Copy of Resume or CV including a list of courses taught
• Letter of Interest describing experience teaching adult learners
• Copy of unofficial graduate transcripts
• Copies of teaching evaluations (highly recommended)

Please Note: Internal Employees, please access the Career app on the Workday Dashboard to homepage to apply for the position.

Equal Employment Opportunity - The University of Massachusetts Global is committed to providing an educational and work environment free of unlawful discrimination and harassment in any form. UMass Global prohibits all forms of discrimination and harassment on the basis of age, ancestry, color, religious creed (including religious dress and grooming practices), disability (mental and physical), marital status, medical condition, genetic information, military and veteran status, national origin (including language use restrictions), race, sex (including pregnancy, childbirth, breastfeeding, and/ related medical conditions), gender, gender identity, gender expression, sexual orientation, or any other characteristic protected by local, state or federal law.

Reasonable Accommodation – The University of Massachusetts Global provides reasonable accommodations to applicants with disabilities. If you need a reasonable accommodation for any part of the application and hiring process, please notify the recruitment department at recruiting@umassglobal.edu.

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.

Professional Protector Plan is seeking a Claims Specialist to join our team. Adjust claims for the Professional Protector Plan® (PPEL) a division of B&B Protector Plans, Inc. and other select professional liability programs. Reports to the Claims Director or Senior Claims Counsel.

This is a remote from home opportunity.

WHAT YOU WILL DO:

• Process assigned primary and excess Professional Liability, Directors & Officers and Employment Practices Liability claims in accordance with established procedures, policy coverages and applicable state laws and regulations regarding claims handling. 

• Conduct and/or coordinate investigations of reported matters to evaluate coverage, liability and damages, secure appropriate documentation pertaining to the reported matter, and prepare the claim/matter for disposition with appropriate regard for cost containment. 

• Maintain diary of upcoming actions/events and take appropriate action in a timely manner. 

• Act as primary liaison to the insured with respect to a claim.

• Establish timely and accurate reserves for each claim file and review and adjust reserves as appropriate.

• Coordinate defense of litigated claims, including retaining defense counsel from approved panel counsel (or obtaining supervisory and/or carrier authority to retain off-panel counsel).  Audit, revise and pay bills related to defense of claims.

• Settle claims within authority granted by the Claims Director, Claims Supervisor and/or insurance carrier, as appropriate.  Follow status of claims to settlement, trial or other disposition.  Attend important trials, arbitrations and mediations as appropriate and as approved by the Claims Director and/or carrier.

• Maintain accurate and complete files with respect to all activities relating to each claim file.   

• Assist and cooperate in all internal and external audits conducted with respect to the Department’s operations.

• Notify the Underwriting Department of questionable risks.  Draft claim summaries to assist Underwriters when requested. 

• Initiate deductible collection activity as appropriate to ensure prompt and sufficient recovery of monies due. 

• If directed, fill in for other Claim personnel absent from the office.

WHAT YOU WILL NEED:

• Four-year college degree. 

• Experience handling primary and excess Professional Liability, Directors & Officers and Employment Practices Liability claims.  Experience handling General Liability claims a plus.

• Working knowledge of insurance claim handling processes and procedures. 

• Working knowledge of legal principles of liability and damages, as well as legal procedures and the workings of legal institutions. 

Must possess appropriate insurance adjusting license(s) as needed.

We are an Equal Opportunity Employer. We take pride in the diversity of our team and seek diversity in our applicants.

Position Summary:

Intelerad is seeking a dynamic, results-driven leader for its Oceania Division, which encompasses operations in Australia and New Zealand. The GM will play a critical role in enhancing customer satisfaction and managing the Profit and Loss (PnL) aspects of the division. This position involves both direct managerial authority (solid line) over certain functions and functional (dotted-line) authority over others, requiring a leader who can navigate complex structures and influence cross-functional teams. 

Although the reporting responsibilities will evolve as the position dictates, the GM initially is expected to have direct responsibility for:  Professional Services, Customer Success, Support and SRE.  Dotted line responsibilities include:  all growth engine functions, sales engineering and sales. 

Key Responsibilities:

1. PnL Management: Oversee the full Profit and Loss responsibilities for the Oceania Division, ensuring financial targets and other agreed-upon metrics are met in the short and long term.
2. Customer Satisfaction: Lead the strategy and execution for improved customer satisfaction, ensuring the delivery of high-quality services and support throughout the customer journey.
3. Team Leadership: Directly manage certain functional areas of the business, while exerting functional influence over other departments to align with the division's goals.
4. Strategic Planning: Develop and implement comprehensive business strategies that ensure the competitiveness and profitability of the Oceania Division.
5. Cross-Functional Collaboration: Work closely with other departments, facilitating collaboration and driving cohesive action toward shared objectives.
6. Performance Metrics: Establish, monitor, and report on key performance indicators, adjusting strategies as necessary to improve business performance.
7. Market Analysis: Continuously analyze market trends, competitive landscape, and customer feedback, adjusting the business plan as necessary to staying abreast of market, competition, customer feedback, and incorporating those outside-in viewpoints to strengthen delivery and PnL performance in Oceania.
8. Relationship Management: Build and maintain strong relationships with key clients, stakeholders, and internal teams to foster collaboration and customer loyalty.
9. Talent Development: Identify and nurture talent within the division, with an emphasis on continuous professional development and performance recognition.
10. Internal positioning and advocacy: Serve as the voice of Oceania to the ELT and other elements of the global organization.

Who we are

Corebridge Financial helps people make some of the most meaningful decisions they’re ever going to make. We help them plan and take action to protect the future they envision and respond to some of life’s most difficult moments through the solutions and services we provide. We do this through our broad portfolio of life insurance, retirement, and institutional products, offered through an extensive, multichannel distribution network. We provide solutions for a brighter future through our client centered service, breadth of product expertise, deep distribution relationships, and outstanding team of hardworking and passionate employees.

The Information Technology (IT) organization is the technological foundation of our business and works in collaboration with our partners from across the company. The team drives technology and digital transformation, partners with business leaders to design and execute new strategies through IT and operations services and ensures the necessary IT risk management and security measures are in place and aligned with enterprise architecture standards and principles.

This role will manage a team to identify, assess, respond to, and monitor Technology Risk. He/she will need to ensure that regulatory / risk policies and standards and their impact on business operations are understood and addressed consistently across Corebridge as well as third party facilities, are assessed, monitored, and remediated as necessary. They will help to provide coverage for regulatory issues with our technology partners and assist with regulatory exams, requests, and meetings.

About the role

What you need to know:

The Head of Technology Risk and Controls will be responsible for the following:

• Manages the development of technology risk processes and procedures, and actively contributes to the strategic planning process for IT Develop programs to assess and monitor control impacts as change initiatives progress.
• Provides domain expertise to business units around emerging technology risk topics.
• Leads development of a technology risk management framework that defines how people, process & technology provide a secure environment and support business objectives.
• Develops technology risk management goals and objectives, and establishes standards and process/procedures, cost analysis, and controls by working collaboratively with key stakeholders to ensure that all regulatory mandates and requirements are addressed. Regulatory considerations including but are not limited to SOX, NYDFS, SOC1/2, and State Regulatory requirements.
• Manages control issue remediation processes to ensure that the underlying risk to the organization is being managed.
• Develops strong relationships and interacts with Enterprise Risk Management Senior Leadership, Business Unit Heads, Regional Leadership, Internal Audit, External Regulators, Legal and Compliance, Privacy, and IT teams to coordinate activities.
• Develop strategies and operating model to identify, assess, report, and manage Third Party risk.
• Ensures IT Standards and Policies are fit for purpose and are appropriate from a regulatory, risk and compliance perspective.
• Manages escalation of issues relating to the overall Technology Risk environment.
• Works with applicable business, operational and IT organizations to help ensure that business and IT projects are appropriately monitored for IT risks.
• Develops and delivers executive-level IT risk presentations to describe program approach and status and consults on key technology risks.
• Secures appropriate resources for the Technology Risk and other departments that can be leveraged to carry out strategy, plans, and programs.
• Manages Technology Risk awareness and training programs to encourage the use of appropriate information practices by Corebridge staff, contractors, service providers, third party and offshore vendors.
• Develops and implements risk reporting on progress for achieving and implementing Technology Risk strategies, plans, products, and controls.
• Acts as the audit interface to manage scope, quality of responses, and interactions.
• Represents Corebridge interests to industry and standards forums and advises senior leadership concerning topics and trends pertaining to information technology risks.

What we’re looking for:

Experience:

• 15+ years of experience within technology risk, control and governance, Internal Audit or SOX disciplines with increasing responsibility and work complexity to include progressive management roles in large, complex organizations.
• Strong expertise in collaboration, facilitation, and coordination of the mitigation of risks.
• Adept at navigating governance structures.
• Experience raising awareness of information and technology risk throughout an organization.
• Significant experience working with Financial Industry regulators and regulations (E.G., SEC, NYSDFS, State Regulators).

Technology Risk & Controls Skills:

• Extensive knowledge of information and technology risk management policies, methods, standards, tools, and processes (e.g., ISO, COSO, COBIT, NIST) as well as knowledge of compliance, legal, internal / external audit & regulatory requirements.
• In-depth understanding of information technology and business continuity principles and best practices across the industry as well as project management principles.

Core Skills

• Demonstrate effective leadership skills.
• Understanding of metrics development and reporting. Strong problem solving and program execution skills. Ability to prioritize and drive difficult decisions among business partners.
• Ability to solve very complex risk issues that span legal, compliance and regulatory obligations across various lines of business and shared service areas of the company.
• Strong interpersonal and oral/written communication skills, able to build relationships with people at all levels. Experience developing and delivering presentations to all levels of management. Strong ability to develop, lead and manage a professional staff.
• Executes through the team — manages to high standards, empowers others, and holds them accountable while actively engaging and inspiring them at the same time.
• Utilizes strong negotiation and influencing skills to align interests across diverse constituencies, including suppliers, internal business partners, and regulators.
• Drives for results — shows urgency and takes initiative, doesn’t let problem situations linger, and ensures service excellence and efficiency objectives are met.
• Ability to work under pressure and meet close deadlines.
• Experience leading complex, major change initiatives; demonstrated skills in change management.

We are an Equal Opportunity Employer

Corebridge Financial, Inc., its subsidiaries and affiliates are committed to be an Equal Opportunity Employer and its policies and procedures reflect this commitment. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories such as sexual orientation. At Corebridge Financial, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. Through a wide variety of programs and initiatives, we invest in each employee, seeking to ensure that our people are not only respected as individuals, but also truly valued for their unique perspectives.

To learn more please visit: www.corebridgefinancial.com

Corebridge Financial is committed to working with and providing reasonable accommodations to job applicants and employees with physical or mental disabilities.  If you believe you need a reasonable accommodation in order to search for a job opening or to complete any part of the application or hiring process, please send an email to TalentandInclusion@corebridgefinancial.com.   Reasonable accommodations will be determined on a case-by-case basis.

Functional Area:

Who we are

Corebridge Financial helps people make some of the most meaningful decisions they are ever going to make. We help them plan and take action to protect the future they envision and respond to some of life’s most difficult moments through the solutions and services we provide. We do this through our broad product portfolio of life, retirement, and institutional products, offered through an extensive, multichannel distribution network. We provide solutions for a brighter future through our client centered service, breadth of product expertise, deep distribution relationships and outstanding, hardworking, and passionate employees. 

About the Role

As a Supervision Analyst you will analyze sales activity to identify trends and patterns, complete secondary transaction review, and evaluate advisor behavior. Supervision Analysts collaborate closely with the firm’s various Compliance departments and field leadership to preserve the interest of our clients by detecting and mitigating conflicts of interest. A Supervision Analyst provides exceptional service and support to our business partners by delivering timely and thoughtful analysis of data collected in proprietary reports, surveillance systems and by individual referrals.

 Responsibilities

• Utilize data collected to provide in depth analysis the firm can use to make business and compliance decisions.
• Analyze, identify, and resolve complex issues discovered during routine surveillance.
• Working with third party vendors, representatives, financial advisors, and internal business partners.
• Respond to inquiries from compliance, field leadership, financial advisors and internal business partners regarding sales activity, policies, and procedures.
• Deliver and track analysis summaries to internal business units for review and follow up pertaining to monthly and quarterly report inquires.
• Participate in the creation and issuance of written procedures.
• Manage and maintain strong relationships with business partners.
• Communicate and escalate issues as appropriate to the Senior Management.
• Stay current on trends in our business.
• Manage priorities and deadlines, understanding the impact to other areas and proposing solutions with the greatest positive impact.

Preferred Skills

• In-Depth knowledge of investments, suitability, and regulatory compliance issues
• Excellent customer service and communication skills
• Well organized and meticulous
• Able to exercise independent thought and decision making.
• Ability to work in a fast paced and ever-changing environment.
• Strong presentation and business writing skills
• Demonstrated ability to manage multiple tasks and projects simultaneously, prioritize competing work efforts, manage time effectively and without supervision.
• Able to establish and maintain effective relations with external and internal business partners.

Qualifications and Education Requirements

• At least 2 + years of experience in Financial Services preferably in a supervision, compliance, or suitability review
• FINRA Series 7 required.
• FINRA Series 63, Series 65, or Series 66 preferred
• FINRA Series 24 and Series 53 preferred
• Must have the ability to obtain preferred licenses within 180 days hire.

What our employees like most about working for Corebridge Financial

• Our Giving Back policy is at the core of our daily operations. Corebridge provides up to 16 hours of volunteer time off.
• Our people are our most important asset therefore we provide generous benefits and competitive pay. Benefits include:
• Paid Time off: 24 PTO days to start.
• 9 Paid holidays
• A 401k which is HARD TO BEAT. $1 for $1 match up to 6% with immediate vesting, plus Corebridge automatically contributes an additional 3% regardless of whether you enroll or not.

We are an Equal Opportunity Employer

Corebridge Financial, Inc. its subsidiaries and affiliates are committed to be an Equal Opportunity Employer and its policies and procedures reflect this commitment. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability, or any other legally protected categories such as sexual orientation. At Corebridge Financial, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. Through a wide variety of programs and initiatives, we invest in each employee, seeking to ensure that our people are not only respected as individuals, but also truly valued for their unique perspectives.

To learn more please visit: www.corebridgefinancial.com

Corebridge Financial is committed to working with and providing reasonable accommodations to job applicants and employees with physical or mental disabilities. If you believe you need a reasonable accommodation in order to search for a job opening or to complete any part of the application or hiring process, please send an email to candidatecare@aig.com.   Reasonable accommodations will be determined on a case-by-case basis.

We are an Equal Opportunity Employer

Corebridge Financial, Inc., its subsidiaries and affiliates are committed to be an Equal Opportunity Employer and its policies and procedures reflect this commitment. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories such as sexual orientation. At Corebridge Financial, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. Through a wide variety of programs and initiatives, we invest in each employee, seeking to ensure that our people are not only respected as individuals, but also truly valued for their unique perspectives.

To learn more please visit: www.corebridgefinancial.com

Corebridge Financial is committed to working with and providing reasonable accommodations to job applicants and employees with physical or mental disabilities.  If you believe you need a reasonable accommodation in order to search for a job opening or to complete any part of the application or hiring process, please send an email to TalentandInclusion@corebridgefinancial.com.   Reasonable accommodations will be determined on a case-by-case basis.

Functional Area:

Who we are

Be part of a small but mighty team, producing, collaborating, and distributing forms and documents utilized in the establishment and maintenance of retirement accounts. This position will require attention to detail in managing multiple projects at one time including minor updates to a single form, creating new forms, or coordinating global updates to many forms at one time. All while balancing the requirements to different digital platforms and required deadlines.

The role reports directly to the Manager. This employee works closely with other team members, as well as multiple internal departments (Relationship Management, Operation Teams, and Broker Dealer Management Members, Marketing Communications, IT Partners, Legal and Compliance). This position is a remote.

What we are looking for

• 4+ years’ experience in Desktop Publishing/Graphic Design preferably using Adobe InDesign. Demonstrated experience managing complex projects & global updates as either a team lead or contributor. Prior experience in writing and proofing material for design consistency and compliance with graphic standards. 
• Moderate skills in Microsoft Excel and Word.
• Ability to analyze, prioritize, and resolve moderately complex form problems. Take appropriate action to escalate highly complex problems, as needed.
• Able to work within a team environment and individually self-motivated. Preferably with cross-functional communication skills.
• Prior experience with Adobe Acrobat Professional beneficial.
• Perform administrative tasks to effectively maintain project tracking and inventory library. Develop and maintain department documentation in an approved format.

What our employees like most about working for Corebridge Financial

• We care about your professional development. Our career progression and tuition reimbursement program will provide you with the opportunity to develop your skills, strengthen your productivity and be eligible to progressively advance to positions with an increased responsibility and increased compensation. 
• Our “Giving Back” policy is at the core of our daily operations and guides our future progress. Don’t believe us?  We put our money where our mouth is! Corebridge Financial, will give you up to 16 hours a year paid time off to volunteer in the community.
• Our people are our most important asset therefore we provide a generous benefits plan and competitive pay. Benefit package includes:

• Paid Time Off: Corebridge Financial recognizes the importance of work life balance). We offer 24 PTO days to start. YES, 24! 17 paid holidays in 2024. 
• A 401(k) Retirement Plan which will be HARD TO BEAT. Our 401K - $1 for $1 match up to 6% with immediate vesting, plus Corebridge Financial automatically contributes an additional 3% into your 401K regardless of if you enroll or not.

#LI-ST1

We are an Equal Opportunity Employer

Corebridge Financial, Inc., its subsidiaries and affiliates are committed to be an Equal Opportunity Employer and its policies and procedures reflect this commitment. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories such as sexual orientation. At Corebridge Financial, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. Through a wide variety of programs and initiatives, we invest in each employee, seeking to ensure that our people are not only respected as individuals, but also truly valued for their unique perspectives.

To learn more please visit: www.corebridgefinancial.com

Corebridge Financial is committed to working with and providing reasonable accommodations to job applicants and employees with physical or mental disabilities.  If you believe you need a reasonable accommodation in order to search for a job opening or to complete any part of the application or hiring process, please send an email to TalentandInclusion@corebridgefinancial.com.   Reasonable accommodations will be determined on a case-by-case basis.

Functional Area:

At Owens & Minor, we are a critical part of the healthcare process. As a Fortune 500 company with 50+ facilities across the US and 18,000 teammates in over 90 countries, we provide integrated technologies, products and services across the full continuum of care. Customers—and their patients—are at the heart of what we do.

Our mission is to empower our customers to advance healthcare, and our success starts with our teammates. 

Owens & Minor teammate benefits include:

• Medical, dental, and vision insurance, available on first working day
• 401(k), eligibility after 30 days of employment
• Employee stock purchase plan
• Tuition reimbursement
• Development opportunities to grow your career with a global company

Summary

The Associate Marketing Product Manager will be responsible for driving and executing marketing programs that support the General Supply category to enhance product profitability and expand market share. This position is accountable for developing initiatives that help drive the key strategies for the business, as well as collaborating with key customers and stakeholders, both internal and external. 

Core Responsibilities

• Lead superior program management and measurable performance to drive net sales, operating profit and market share of the general supply category
• Play a critical role in maintaining and growing the business. Gather insights from multiple sources and synthesize into a compelling story for the appropriate audience (customers, internal leadership and sales team)
• Support Advertising and Promotion budget, P&L analyses for a $80+ million business. Serve as an internal and external representative for the offerings, working closely with the sales teams, key customers and leadership team
• Develop and refine marketing communication and activation plans, with accountability for Advertising and Promotion budget
• Develop KOL relationships and synthesize regional market intelligence in coordination with regional business unit stakeholders to guide annual strategic financial and portfolio planning
• Provide leadership support for commercial program development and execution (including pricing, sales collateral, training)

Qualifying Experience

• Bachelor degree required
• 1- 3 years of recent Marketing, Business, Medical Sales or Healthcare experience preferred, but not required. Will accept experience in any consumer or retail focused industry
• Experience with business case development and category P&L and product portfolio financials is preferred
• Ability to travel 5 - 10%
• Work independently (self motivated) and complete projects within required timeframes
• Demonstrate positive energy to effectively represent category internally and externally
• Skilled in diagnosing and resolving complex problems and opportunities
• Able to make tough, informed decisions quickly to keep performance on track

#LI-NA1

If you feel this opportunity could be the next step in your career, we encourage you to apply. This position will accept applications on an ongoing basis.

Owens & Minor is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, national origin, sex, sexual orientation, genetic information, religion, disability, age, status as a veteran, or any other status prohibited by applicable national, federal, state or local law.