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Sr. Credit Risk Policy Analyst - Work from home United States
Flagstar Bank, N.A., Austin
Position Title Sr. Credit Risk Policy Analyst - Work from home United StatesLocation Work From Home United StatesJob Summary The Credit Risk Policy Analyst Sr assists in the effort to ensure Flagstar creates and maintains all necessary policies, procedures, and guidelines consistent with the credit risk appetite to mitigate and manage credit risk across the organization. Assist the Credit Policy Manager in the oversight of credit risk related system management, including providing training, assisting with requesting credit policy documents and SharePoint access. Assist in the credit risk department in internal or external auditor requests, internal loan reviews, or other departmental request as appropriate.Pay Range - $73,000 - $95,000 - $117,000 USDPay Range: Local Minimum Wage - $0.00 - $0.00Job Responsibilities: Assist the Credit Risk Policy Manager in the creation and maintenance of all credit risk policy, procedure, and guidelines in compliance with Legal, Compliance, ERM, and other departmental processes. Develop excellent working relationships across the organization to ensure that credit risk owned policies, procedure and guidelines are written, approved, communicated, and implemented appropriately.Maintain a strong working knowledge of credit policy related software and systems (such as MS Office, MS Word, SharePoint and Power Automate). Assist in the creation and execution of project plans to address any gaps in the policy governance process. Assist in the creation of credit risk system training materials to help ensure employees are aware of the most up-to-date credit risk policy, procedures, guidelines, and credit risk related systems as appropriate.Assist in the response to internal and external auditor requests, including performing any internal SOX related controls or assisting the credit risk department to remain in compliance with all Legal, Compliance, and other departmental guidelines / requirements.Assist the credit department as needed in inter-departmental projects or administrative duties, such as new credit employee on-boarding assistance and credit risk departmental communications.Uses independent judgement and discretion to make decisions about credit risk related policies, procedure, guidelines and systems, when appropriate.Analyzes and resolves problems pertaining to credit risk related policies, procedure, guidelines and systems, when appropriate.ADDITIONAL ACCOUNTABILITIESPerforms special projects, and additional duties and responsibilities as required.Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.JOB REQUIREMENTS Required Qualifications: Education level required: Undergraduate Degree (4 years or equivalent) or equivalent related work experienceMinimum experience required: 5+ Years of credit risk related experience including credit policy, procedure or guideline creation, commercial CRE and C&I underwriting or lending, loan review or other similar credit risk experience.Preferred Qualifications:Education level preferred: Master's Degree (or Postgraduate equivalent).Experience with the Microsoft Office suite of products, including SharePoint and Power Automate.Job Competencies:Excellent knowledge of credit risk activities.Excellent written and verbal communication and presentation skills.Experience writing policies, procedure and guidelines is highly preferred.Proficient with Microsoft Office software.Minimal travel required (up to 5% of time)Physical demands (ADA): No unusual physical exertion is involved.
Work at Home Data Entry Clerk
Toward Jobs Online, Austin
Work from Home Survey Taker (Side Gig) We are looking for people who are motivated to participate in paid research across the country and local areas. Join this Work from Home USA Market Research Panel Today. You have two options when it comes to paid research : you can either take part in person or online. This is a great way for you to make extra income at home as data entry clerk. Compensation: Work from home and take surveys to earn Money. There are many payment options, including PayPal, direct checks, and online virtual gift cards codes. Opportunities to earn rewards. Responsibilities: Take part with work from home surveys/studies by following written and oral instructions. Participate in research focus groups. Each panel receives a complete written study. If products or services are provided, you must actually use them. Needs: You must have a working camera on your smart phone or a webcam on your desktop/laptop. Access to reliable internet connection is essential. You would like to be fully involved in one or more of these topics. Capacity to understand and follow written and oral instructions. Job Benefits: Participation in online and in-person discussions. If you work remotely, there is no commute. No minimum hrs. This is a work from home job. Get free samples from our partners and sponsors for your feedback on their products. Participate in product testing and see products before the public. Part-Time job. Work from Home. To apply for this job, click the "Apply" button. Anyone looking for part-time, short-term work at home work is welcome to apply. No previous experience is necessary. This is an excellent opportunity to earn a side income by doing flexible remote work from home. * Please note that this is an opportunity to earn extra money from home and should not be considered as a full time job.
Work From Home - Customer Service
Javiste Corp, Austin, TX, US
Entry-level Customer service positions that require extraordinary customer service skills and deliver first-contact resolution consistently. Representatives will rely on optimized product knowledge, troubleshooting skills, and be resourceful in a team environment. Compensation range is $12.00 to $17.00 (before incentives).Representatives must demonstrate skills of:*-Active listening*-Effective communication*-Problem-solving and*-(Extraordinary) soft skills.Contracts require complete provided training. Representatives are expected to meet and manage client standards with their support liaison on a weekly basis. Our mission is to exceed client and platform expectations through excellent service standards to all our clients and grow as an organization. If this sounds right for you, let’s have a phone meeting to discuss further.***Opportunities are NOT available in US territories and the following states at this time:* Arkansas* California* Colorado* Connecticut* District of Columbia* Illinois* Maryland* Massachusetts* Minnesota* New York* Oregon* Pennsylvania* Vermont* Washington* WisconsinResponsibilities*-Manage large volumes of incoming calls in an efficient manner.*-Identify and assess customers’ needs to achieve satisfaction.*-Build sustainable relationships with external and internal customers.*-Stay compliant on all policies and required training pertaining to client and platform.*-Understand and meet KPI handling metrics consistently.*-Accurately document and manage customer records in various databases.*-Adhere to the respective client’s communication procedures, guidelines, and policies.Skills*-Customer service experience is preferred but retail experience is welcome.*-Data entry (45+ wpm) and multitasking (multi-database management) is recommended.*-Phone support experience is recommended.*-Strong Soft Skills are required.*-Strong organizational & Team skills recommended.Candidates must provide the following:*-Windows 10 or 11 Computer (Desktop or Laptop) with a built-in ethernet port.NOTE: Wifi / All-in-one desktops are NOT permitted.*-CPU Processor: Intel i5 8th gen class processor or better, or AMD Ryzen 3 or better.*-Hard Drive Capacity: 30 GB or more of available space 60 GB or more of total space.*-RAM: 16 GB of RAM.*-High-Speed Internet with an Ethernet cable connection (WiFi is not acceptable). Minimum speed of: 30 Mbps download / 10 Mbps upload is required. .*-Hard-wired telephone service may be requested. Digital Telephone (VOIP) is acceptable.*-USB Headsets with background-noise canceling microphones are mandatory. Wireless headsets are not permitted.*-USB (corded) keyboard & mouse only.*-USB 3.0 and 3 available ports are recommended.*-Smartphone or other Mobile Device is required for multi-factor authentication and other security verification processes (with a working camera).
CDL A Local Driver / Home Nightly - Marble Falls, TX
Oldcastle, Austin
Job ID: 495572Oldcastle APG, a CRH Company, is the leading provider of outdoor living solutions in North America with an award-winning portfolio that enables customers to Live Well Outside. Inspiring endless possibilities with enduring performance, its collection of premier building products create inviting outdoor spaces where people connect, reflect and recharge. The manufacturer's signature brands include Belgard® and Echelon® hardscape and masonry materials; Barrette Outdoor Living® and MoistureShield® fencing, decking and railing; Sakrete® and Amerimix® packaged concrete and mortar; Techniseal® sands, jointing technologies and surface protectors; PebbleTec® pool finishes; plus popular brands of landscape and gardening materials. Pay is up to $25/hour!Job Description Summary Transport construction material to job site in a safe and timely manner Assist and supervise loading of truck to ensure proper order and weight distribution Receive from dispatcher invoice for materials, directions to job site and any special instructions and follow them to the detail Maintain complete and accurate records such as DOT drivers' daily logs, fuel receipts, delivery documentation and any other required documents according to state and federal regulations Build and maintain good customer relationships Perform pre-trip inspections of assigned vehicle and report immediately any concerns or problems Obtain shipping bills and necessary signatures and return completed paperwork to the shipping department Provide and document proper routine maintenance of assigned truck and loading/unloading equipment Survey job site and unload cargo in the best area available in a safe manner Develop very good knowledge of inventory, sizes, types, colors, and pallet package Monitor and immediately report problems with assigned product quality, customer satisfaction, and traffic Requirements High school diploma / equivalent CDL A required Must have at least 2 years of experience operating a CDL A vehicle - flatbed is a plus Detailed oriented and good communication skills a plus Must be at least 24 years of age Must have a clean driving record Forklift certified a plus Bi-lingual is a plus What CRH Offers You Highly competitive base pay Comprehensive medical, dental and disability benefits programs Group retirement savings program Health and wellness programs A diverse and inclusive culture that values opportunity for growth, development, and internal promotion About CRHCRH has a long and proud heritage. We are a collection of hundreds of family businesses, regional companies and large enterprises that together form the CRH family. CRH operates in a decentralized, diversified structure that allows you to work in a small company environment while having the career opportunities of large international organization.If you're up for a rewarding challenge, we invite you to take the first step and apply today! Once you click apply now, you will be brought to our official employment application. Please complete your online profile and it will be sent to the hiring manager. Our system allows you to view and track your status 24 hours a day. Thank you for your interest! Oldcastle APG, a CRH Company, is an Affirmative Action and Equal Opportunity Employer.EOE/Vet/Disability--If you want to know more, please click on this link. Date: Apr 3, 2024 Nearest Major Market: Austin Job Segment: Forklift, Warehouse, Night, Manufacturing, Operations
CDL A Local Driver / Home Nightly - Marble Falls, TX
OLDCASTLE APG, INC., Austin
Job ID: 496109Oldcastle APG, a CRH Company, is the leading provider of outdoor living solutions in North America with an award-winning portfolio that enables customers to Live Well Outside. Inspiring endless possibilities with enduring performance, its collection of premier building products create inviting outdoor spaces where people connect, reflect and recharge. The manufacturer's signature brands include Belgard and Echelon hardscape and masonry materials; Barrette Outdoor Living and MoistureShield fencing, decking and railing; Sakrete and Amerimix packaged concrete and mortar; Techniseal sands, jointing technologies and surface protectors; PebbleTec pool finishes; plus popular brands of landscape and gardening materials.Pay is up to $25/hour! Job Description Summary Transport construction material to job site in a safe and timely manner Assist and supervise loading of truck to ensure proper order and weight distribution Receive from dispatcher invoice for materials, directions to job site and any special instructions and follow them to the detail Maintain complete and accurate records such as DOT drivers' daily logs, fuel receipts, delivery documentation and any other required documents according to state and federal regulations Build and maintain good customer relationships Perform pre-trip inspections of assigned vehicle and report immediately any concerns or problems Obtain shipping bills and necessary signatures and return completed paperwork to the shipping department Provide and document proper routine maintenance of assigned truck and loading/unloading equipment Survey job site and unload cargo in the best area available in a safe manner Develop very good knowledge of inventory, sizes, types, colors, and pallet package Monitor and immediately report problems with assigned product quality, customer satisfaction, and traffic Requirements High school diploma / equivalent CDL A required Must have at least 2 years of experience operating a CDL A vehicle - flatbed is a plus Detailed oriented and good communication skills a plus Must be at least 24 years of age Must have a clean driving record Forklift certified a plus Bi-lingual is a plus What CRH Offers You Highly competitive base pay Comprehensive medical, dental and disability benefits programs Group retirement savings program Health and wellness programs A diverse and inclusive culture that values opportunity for growth, development, and internal promotion About CRH CRH has a long and proud heritage. We are a collection of hundreds of family businesses, regional companies and large enterprises that together form the CRH family. CRH operates in a decentralized, diversified structure that allows you to work in a small company environment while having the career opportunities of large international organization.If you're up for a rewarding challenge, we invite you to take the first step and apply today! Once you click apply now, you will be brought to our official employment application. Please complete your online profile and it will be sent to the hiring manager. Our system allows you to view and track your status 24 hours a day. Thank you for your interest!Oldcastle APG, a CRH Company, is an Affirmative Action and Equal Opportunity Employer.EOE/Vet/Disability--If you want to know more, please click on this link .
Program Assistant - Call Center - Remote from Certain States
Working Solutions, Austin
**Position is virtual, but qualified candidates must reside in one of the following states: AZ, AR, CO, FL, IA, IL, IN, MI, NC, NE, OH, TN, TX, WI. As a pioneer and industry leader in on-demand contact center solutions, Working Solutions is looking for a Program Assistant. This position will manage certain aspects of client programs within virtual contact center environment, to contribute to the growth and success of Working Solutions. They will assist in all aspects of the Contact Center and the daily operations of assigned programs(s). Ensure that the program is productive by managing/driving performance. Support the Program Manager, agents, customers, and client on daily needs and ensure high level of satisfaction. Interested to see what it's like to be a team member at Working Solutions, watch our employee video here: https://youtu.be/Bl_gWtN-Gn0 Responsibilities:Maintain program ACL'sMaintain program's Master Roster (program specific)Track and complete agent offboardsAssist with agent onboarding as needed (program specific)Attrition trackingField MappingSend out morning staffing report as needed (program specific)Queue up weekly schedules by program Post Schedule reminders and limits to the agentsPoint of contact for all agent scheduling questions, concerns and modificationSend agent scheduling adherence notices monthly/weekly as needed (program specific)Hold information sessions as needed on the scheduling process for new team membersApprove/Deny Cancels each weekEnsure agent minimums are meet each week Working with the Education team on agent nesting hours and needsUpload daily stats files (program specific)Review and Resolve All Disputes- supplying the Accounting team with the details and edits neededPoint of contact for all agent invoicing questions, concerns and modificationPull any manual stats needed for invoicing (program specific)Invoice RemindersReach out and alert agents of unaccepted invoicesUpdate Invoice files as needed for new agents for automated invoice statsHold information sessions as needed on the invoice process for new team membersAttend weekly team meetings (internal/client)Review the Vyne daily to ensure agent questions are answeredAssist in incentive tracking and agent rewards. If assigned to programs where these functions are blended, this role may also include primary duties of the Quality Improvement Specialist position. This includes continuously monitoring and reviewing agent performance, ensuring all performance and quality guidelines are met. Focus is on quality of agent engagement, agent satisfaction, call mechanics, and quality interactions with voice and digital interactions, all to influence top performance for client contracts.RequirementsMust be a US citizen or permanent resident to be considered for full-time employmentAbility to study and understand program requirements, and manage multiple programs and tasks simultaneously with great attention to detail.Strong process management abilities, with ability to strategize and problem-solve throughout.Superior math and analytical aptitude, with a strong working knowledge of Microsoft Office. Proven experience with reporting and data analysis.High level of independent judgment and initiative, with well-developed sense of ownership, urgency, and customer focus. Ability to identify needs, prioritize, multi-task, adapt to changing priorities, and deliver on requests with limited supervision in a fast-paced environment.Strong oral and written communication skills with the ability to effectively convey thoughts and critical information to senior leaders, peers and direct reports in a clear, logical manner.Ability to accomplish both client and company goals, handling multiple personalities and demands.Ability to use a keyboard and sit at a computer for a large portion of the work period.Ability to travel up to 20% and work variable hours, which may include evenings and weekends.BenefitsHealth Care Plan (Medical, Dental & Vision)Retirement Plan (401k, IRA)Life Insurance (Basic, Voluntary & AD&D)Paid Time Off (Vacation, Sick & Public Holidays)Short Term & Long Term DisabilityWork From Home
CDL A Local Driver / Home Nightly - Austin, TX
Oldcastle, Austin
Job ID: 496107Oldcastle APG, a CRH Company, is the leading provider of outdoor living solutions in North America with an award-winning portfolio that enables customers to Live Well Outside. Inspiring endless possibilities with enduring performance, its collection of premier building products create inviting outdoor spaces where people connect, reflect and recharge. The manufacturer's signature brands include Belgard® and Echelon® hardscape and masonry materials; Barrette Outdoor Living® and MoistureShield® fencing, decking and railing; Sakrete® and Amerimix® packaged concrete and mortar; Techniseal® sands, jointing technologies and surface protectors; PebbleTec® pool finishes; plus popular brands of landscape and gardening materials. Job Description Summary Transport construction material to job site in a safe and timely manner Assist and supervise loading of truck to ensure proper order and weight distribution Receive from dispatcher invoice for materials, directions to job site and any special instructions and follow them to the detail Maintain complete and accurate records such as DOT drivers' daily logs, fuel receipts, delivery documentation and any other required documents according to state and federal regulations Build and maintain good customer relationships Perform pre-trip inspections of assigned vehicle and report immediately any concerns or problems Obtain shipping bills and necessary signatures and return completed paperwork to the shipping department Provide and document proper routine maintenance of assigned truck and loading/unloading equipment Survey job site and unload cargo in the best area available in a safe manner Develop very good knowledge of inventory, sizes, types, colors, and pallet package Monitor and immediately report problems with assigned product quality, customer satisfaction, and traffic Requirements High school diploma / equivalent CDL A required Must have at least 2 years of experience operating a CDL A vehicle - flatbed is a plus Detailed oriented and good communication skills a plus Must be at least 24 years of age Must have a clean driving record Forklift certified a plus Bi-lingual is a plus What CRH Offers You Highly competitive base pay Comprehensive medical, dental and disability benefits programs Group retirement savings program Health and wellness programs A diverse and inclusive culture that values opportunity for growth, development, and internal promotion About CRHCRH has a long and proud heritage. We are a collection of hundreds of family businesses, regional companies and large enterprises that together form the CRH family. CRH operates in a decentralized, diversified structure that allows you to work in a small company environment while having the career opportunities of large international organization.If you're up for a rewarding challenge, we invite you to take the first step and apply today! Once you click apply now, you will be brought to our official employment application. Please complete your online profile and it will be sent to the hiring manager. Our system allows you to view and track your status 24 hours a day. Thank you for your interest! Oldcastle APG, a CRH Company, is an Affirmative Action and Equal Opportunity Employer.EOE/Vet/Disability--If you want to know more, please click on this link. Date: Apr 15, 2024 Nearest Major Market: Austin Job Segment: Night, Forklift, Warehouse, Operations, Manufacturing
Customer Service ( Remote work
PATH ARC, Austin
The customer service representative will be responsible for answering client inquiries, provide product information, and help the customer by being informative, empathetic, and eager to quickly solve a customer's problem. Must be willing to listen, learn, and resolve any customer inquiry.Customer Service Job Duties And ResponsibilitiesExcellent customer care and focus; ability to assess customers' needs and provide the correct answer, path, troubleshooting, or method for a positive customer experienceAnswer and manage incoming calls, emails, chats, and/or interactive voice response systemsAbility to learn and follow all customer service procedures and policiesStrive to meet and go above personal and team target goalsRecord, organize and file customer interactions and account changesAble to up-sell if neededAble to schedule call back and appoints to resolve customer needsRequirementsPrevious experience in customer support, client services, sales, or a related fieldExcellent at communicating over the phone and other communication platformsBasic computer skills and experienceAble to multitaskExcellent time management and prioritization skillsAbility to listen actively, relay information, and answer questions and/or concernsCustomer-focused for positive customer experience and resolutionHealth Insurance (dental and vision included)Excellent retirement planTremendous upward mobility into other positions and managementFlexible hoursRemote Position(s) available (work from home)BenefitsHealth Insurance (dental and vision included)Excellent retirement planTremendous upward mobility into other positions and managementFlexible hoursRemote Position(s) available (work from home)
CDL A Local Driver / Home Nightly - Austin, TX
OLDCASTLE APG, INC., Austin
Job ID: 496107Oldcastle APG, a CRH Company, is the leading provider of outdoor living solutions in North America with an award-winning portfolio that enables customers to Live Well Outside. Inspiring endless possibilities with enduring performance, its collection of premier building products create inviting outdoor spaces where people connect, reflect and recharge. The manufacturer's signature brands include Belgard and Echelon hardscape and masonry materials; Barrette Outdoor Living and MoistureShield fencing, decking and railing; Sakrete and Amerimix packaged concrete and mortar; Techniseal sands, jointing technologies and surface protectors; PebbleTec pool finishes; plus popular brands of landscape and gardening materials. Job Description Summary Transport construction material to job site in a safe and timely manner Assist and supervise loading of truck to ensure proper order and weight distribution Receive from dispatcher invoice for materials, directions to job site and any special instructions and follow them to the detail Maintain complete and accurate records such as DOT drivers' daily logs, fuel receipts, delivery documentation and any other required documents according to state and federal regulations Build and maintain good customer relationships Perform pre-trip inspections of assigned vehicle and report immediately any concerns or problems Obtain shipping bills and necessary signatures and return completed paperwork to the shipping department Provide and document proper routine maintenance of assigned truck and loading/unloading equipment Survey job site and unload cargo in the best area available in a safe manner Develop very good knowledge of inventory, sizes, types, colors, and pallet package Monitor and immediately report problems with assigned product quality, customer satisfaction, and traffic Requirements High school diploma / equivalent CDL A required Must have at least 2 years of experience operating a CDL A vehicle - flatbed is a plus Detailed oriented and good communication skills a plus Must be at least 24 years of age Must have a clean driving record Forklift certified a plus Bi-lingual is a plus What CRH Offers You Highly competitive base pay Comprehensive medical, dental and disability benefits programs Group retirement savings program Health and wellness programs A diverse and inclusive culture that values opportunity for growth, development, and internal promotion About CRH CRH has a long and proud heritage. We are a collection of hundreds of family businesses, regional companies and large enterprises that together form the CRH family. CRH operates in a decentralized, diversified structure that allows you to work in a small company environment while having the career opportunities of large international organization.If you're up for a rewarding challenge, we invite you to take the first step and apply today! Once you click apply now, you will be brought to our official employment application. Please complete your online profile and it will be sent to the hiring manager. Our system allows you to view and track your status 24 hours a day. Thank you for your interest!Oldcastle APG, a CRH Company, is an Affirmative Action and Equal Opportunity Employer.EOE/Vet/Disability--If you want to know more, please click on this link .
In-Home HVAC Sales-Austin, TX
ARS, Austin
Company NameARS-Rescue Rooter OverviewAmerican Residential Services is the largest provider of residential services in the US, employing more than 7000 professionals across the country. ARS has been serving its customers with HVAC, Plumbing, and Electrical solutions for over 45 years since its establishment in 1975.LOOK at what's NEW in 2024 for full-time employees... Low-Cost Health Insurance Plans starting at $5 a week.Free 24/7 Virtual Telemedicine Services from your first day of employment.Enhanced Dental Insurance options. NEW Pet Insurance Plan - Protect all of your loved ones! NEW Legal Insurance Plan available. ResponsibilitiesIn-home HVAC Sales Representatives connect customers with comfort through simple heating, cooling, and air quality upgrades, or whole system replacements. We have the installation crews available for next-day service, multiple financing options, and the strongest guarantee in the business. At ARS, the value of your customer service delivery will never go unnoticed, the opportunity for career advancement is abundant and the income potential is unlimited.HVAC Sales Representatives can expect:WARM SALES LEADS PROVIDED BY ARS! No Canvassing, No Cold-Calling.Opportunity to earn *$100k to $200k+ per year, uncapped commission opportunity.After training, you will earn a draw or commission through WEEKLY SETTLEMENTS. Company Provided TAKE HOME Vehicle, Gas Card, Phone, and Computer, no overhead expenses.Comprehensive Training Opportunities provided by the in-house Learning & Development team.Training including but not limited to technical, sales, safety, leadership, and systems training.National Network to support professional growth & development and provide transfer opportunities.As the employer of choice, we offer an Industry-Leading Benefit Package:Choose from one of FOUR health insurance options, starting as low as $5 per week!HSA (Health Savings Account) and annual company contribution for specific plans. FSA (Flexible Spending Account) for specific plans. Dental and Vision Insurance options. 401(k) with weekly match contribution13 PTO Days + 8 Paid HolidaysCompany-paid life insurance policy, Short-term disability, long-term disability (additional life insurance options are also available)Discount Programs with our partnered accounts (Childcare, Personal cell phone, auto, insurance, etc.)QualificationsPrior experience selling residential services in home. Some locations may require HVAC specific experience.Ability to travel to pre-set appointments throughout your assigned area in a company-provided work vehicle.A proven work ethic with excellent customer service and communication skills. Willingness to put in long, sporadic hours and/or weekends as needed.Willingness to go into attics and crawl spaces regularly.All candidates are required to undergo pre-employment drug screen, and background checks and must have a valid driver's license with a good driving record.*This posting provides details on potential compensation ranges and possibilities. These amounts are not guaranteed and should in no way be construed as an offer. **Sign-on bonuses may be available; amounts depend on experience and will be paid out according to an offer letter addendum. American Residential Services provides equal employment opportunities to all individuals, both applicants and employees, without regard to race, color, religion, pregnancy, gender, marital status, national origin or ancestry, citizenship status, disability, medical condition, genetic characteristics or genetic information, age, military service or veteran status, or any other characteristic protected by applicable federal, state, or local laws prohibiting discrimination. For more information about how we collect and use personal information, see our privacy policy here: https://www.ars.com/privacy-policy.