Business Analyst Senior Manager, DT&I (Partnership) bdo consultingBusiness Analyst Senior Manager, DT&I (Partnership)Philadelphia, PA$170,000–$240,000 / yearThe annual allocation to the ESOP is fully funded by BDO through investments in company stock and grants employees the chance to grow their wealth over time as their shares vest and grow in value with the firm’s success, with no employee contributions. Eight (8) or more years of experience as a business analyst, project coordinator, project manager, business manager, technical writer, technical support, or systems analyst, required.
NewCapacity Planning Analyst OneMain FinancialCapacity Planning AnalystWilmington, DE$70,000–$84,000 / yearThe ideal candidate will partner with several key business units to ensure appropriate staffing, ROE and budget considerations are cared for as it relates to Operations including Sales, Care, Collections, Recovery, and various supporting functions within Operations. Develop, prepare and analyze current and projected workload, resource availability, and any constraints or limitations to project future capacity needs to allow the business to effectively meet performance expectations.
Product Analyst AI Tooling Kforce Inc.Product Analyst AI ToolingPhiladelphia, PA$40–$55Employee pay is based on factors like relevant education, qualifications, certifications, experience, skills, seniority, location, performance, union contract and business needs. By clicking “Apply Today” you agree to receive calls, AI-generated calls, text messages or emails from Kforce and its affiliates, and service providers.
NewBoard Certified Behavior Analyst / BCBA RCM Healthcare ServicesBoard Certified Behavior Analyst / BCBAWilmington, DE$60–$75RCM Healthcare Services is seeking multiple Board Certified Behavior Analysts (BCBAs) to support students in a public school district throughout the Wilmington, DE area. These are full-time, school-based positions working with students in specialized educational settings, including Autism Support Classrooms and Early Learning programs.
Senior Business Analyst – Mortgage Lending IconmaSenior Business Analyst – Mortgage LendingFort Washington, PAOur client, a IT Services and Consulting company, is looking for a Senior Business Analyst – Mortgage Lending for their Fort Washington, PA/Hybrid location. This position requires the candidate to possess analytical skills to analyze and decompose complex requirements into comprehensive test cases.
Senior Business Analyst Mortgage Lending ICONMA, LLCSenior Business Analyst Mortgage LendingFort Washington, PA$43.57 / hourOur client, a IT Services and Consulting company, is looking for a Senior Business Analyst – Mortgage Lending for their Fort Washington, PA/Hybrid location. This position requires the candidate to possess analytical skills to analyze and decompose complex requirements into comprehensive test cases.
SR Financial Analyst(SAP/SAC/BI) Judge GroupSR Financial Analyst(SAP/SAC/BI)King of Prussia, PA$95,000–$110,000 / yearBy providing your phone number, you consent to: (1) receive automated text messages and calls from the Judge Group, Inc. and its affiliates (collectively "Judge") to such phone number regarding job opportunities, your job application, and for other related purposes. This is a high-impact role for someone who thrives at the intersection of financial modeling, enterprise systems (SAP S/4 HANA), and business intelligence (Power BI, SAP Analytics Cloud).
Financial Analyst, Development Investment CBRE Group IncFinancial Analyst, Development InvestmentPhiladelphia, PAIt is preferred, but not required, for candidates to have at least one year of experience in a commercial real estate, finance, investment, or consulting role that required strong analytical, financial, and project management skills. Assist leadership with ad hoc projects and business initiatives by conducting research, gathering data, performing analysis, preparing presentations, and providing actionable insights to support strategic business objectives.
Senior Financial Analyst; Division of Business Services University of PennsylvaniaSenior Financial Analyst; Division of Business ServicesPhiladelphia, PA$76,000–$92,500 / yearThe Senior Financial Analyst is expected to approach core FP&A responsibilities through a transformation lens-identifying process inefficiencies within their areas of support and oversight, helping define scalable financial and operational metrics, and partnering with finance and non-finance leaders to implement improvements that enhance efficiency, transparency, accountability, and decision-making. The Senior Financial Analyst also supports Divisional leadership by producing consolidated financial reporting and analysis for internal and institutional stakeholders, including financial statements, projections, operating and human capital metrics and dashboard, capital expenditure reporting, and ad hoc strategic analyses.
Senior Business Analyst for Mortgage Company - Hybrid Simple SolutionsSenior Business Analyst for Mortgage Company - HybridPhiladelphia, MDThis position requires the candidate to possess analytical skills to analyze and decompose complex requirements into comprehensive test cases. The position requires that the person has a solid knowledge of Senior BA Deliverables and is proficient in multiple methodologies.
Sr. Financial Analyst, Wharton Finance & Administration University of PennsylvaniaSr. Financial Analyst, Wharton Finance & AdministrationPhiladelphia, PA$76,000–$98,000 / yearFinancial Analyst will serve as an integral member of the Wharton Centers Finance team at Wharton Finance & Administration, accurately preparing and maintaining financial records and reporting for 20+ units, ensuring transactions are reflective of business activities and financial planning. Long-Term Care Insurance: In partnership with Genworth Financial, Penn offers faculty and staff (and your eligible family members) long-term care insurance to help you cover some of the costs of long-term care services received at home, in the community or in a nursing facility.
Senior Business Analyst NewRez LLCSenior Business AnalystPAEvery day, we work to exceed the expectations of our residential mortgage borrowers and business partners through superior service, simple processes, and clear communication. This position requires the candidate to possess analytical skills to analyze and decompose complex requirements into comprehensive test cases.
Senior Financial Analyst - Portfolio Management & Strategy Holman Enterprises, Inc.Senior Financial Analyst - Portfolio Management & StrategyMount Laurel, New JerseyUtilize data mining techniques and in depth analysis to develop solutions for ad hoc requests. Apply knowledge of Microsoft Office and other software to improve efficiency and accuracy of group output.
Financial Analyst Temp eCom Solutions IncFinancial Analyst TempWest Chester, PA$25–$35 / hourThe ideal candidate will possess strong Excel and data management skills, experience working with large data sets, and the ability to communicate financial results clearly to leadership teams and 2 years' experience working as a Financial Analyst. This role will partner closely with Operations, Division Leadership, and FP&A leadership to provide financial insights that drive business performance and decision-making.
Financial Analyst Senior Pyramid Consulting, IncFinancial Analyst SeniorCarneys Point, NJ$50–$55 / hourBy applying to our jobs you agree to receive calls, AI-generated calls, text messages, or emails from Pyramid Consulting, Inc. and its affiliates, and contracted partners. Bachelor's degree in Business or Engineering AND 4-7 years of related business experience, or in lieu of degree, 6-9 years of relevant business experience is required.
Senior Financial Analyst - Portfolio Management & Strategy Holman Automotive Group, Inc.Senior Financial Analyst - Portfolio Management & StrategyMount Laurel, NJ$72,950–$103,955 / yearThe automotive markets Holman serves include fleet management and leasing; vehicle fabrication and upfitting; component manufacturing and productivity solutions; powertrain distribution and logistics services; commercial and personal insurance and risk management; and retail automotive sales as one of the largest privately owned dealership groups in the United States. Pay: We offer competitive wages that are commensurate with job-related skills, experience, relevant education or training, and geographic location, starting in the range of $72,950.00 - $103,955.00 USD annually for full time employees.
Senior Financial Analyst Interior Logic Group IncSenior Financial AnalystPA$115,000–$120,000 / yearMust have excellent problem solving and decision making skills; with demonstrated experience of ability to problem solve, collect data, establish facts, and draw valid conclusions. This position is responsible for analyzing and interpreting financial data, developing financial models, and providing financial support for strategic decision-making.
ERP Business Analyst Budgeting and Financial Management East Penn Manufacturing Co IncERP Business Analyst Budgeting and Financial ManagementPAServe as an ERP functional expert for the Financial and Budgeting domain with strong working knowledge of SAP S/4HANA modules such as FI, CO, FM, PS, and related financial components. The ERP Business Analyst serves as the primary liaison between business stakeholders and ERP delivery teams, specializing in Budgeting and Financial Management.
Sr Business Analyst Philadelphia International AirportSr Business AnalystPhiladelphia, PA$85,000–$95,000 / yearOIT responsibilities include: identifying the most effective approach for implementing new information technology directions throughout city government; improving the value of the city's technology assets and the return on the city's technology investments; ensuring data security continuity; planning for continuing operations in the event of disruption of information technology or communications services; and supporting accountable, efficient and effective government across every city department, board, commission and agency. OIT oversees all major information and communications technology initiatives for the City of Philadelphia - increasing the effectiveness of the information technology infrastructure, where the services provided are advanced, optimized, and responsive to the needs of the City of Philadelphia's businesses, residents, and visitors.
NewFinancial Analyst, Senior o9 Solutions IncFinancial Analyst, SeniorPA$84,897–$116,733 / yearBudgeting & Rolling Forecasts: Develop and maintain detailed, bottoms-up Excel forecast models and annual operating plans (AOP) covering the end-to-end customer journey-including Sales pipeline progression, Marketing spend, Client Success retention, and Professional Services staffing. SaaS Flywheel Metric Ownership: Track, analyze, and report on critical SaaS unit economics, including CAC Payback, LTV, Net Retention Rate (NRR), and Gross Retention Rate (GRR), identifying areas where churn or inefficiencies impact the business.
FP & A Financial Analyst NR Consulting LLCFP & A Financial AnalystWest Chester, PAThe ideal candidate will possess strong Excel and data management skills, experience working with large data sets, and the ability to communicate financial results clearly to leadership teams and 2 years experience working as a Financial Analyst. This role will partner closely with Operations, Division Leadership, and FP&A leadership to provide financial insights that drive business performance and decision-making.
Financial Analyst, Philanthropy & Restricted Funds| Wills Eye Hospital | Full-Time Wills Eye HospitalFinancial Analyst, Philanthropy & Restricted Funds| Wills Eye Hospital | Full-TimePhiladelphia, PAYou may be a strong fit if you have experience supporting financial operations, enjoy working with detailed financial data, and can manage multiple priorities with accuracy and professionalism. You'll support the hospital's financial operations by managing the administration, monitoring, and reporting of philanthropic gifts, endowment accounts, and donor-restricted funds.
Financial Analyst (Level I) IconmaFinancial Analyst (Level I)Pennington, NJ$15.49–$23.99 / hourTax Reporting Operations is responsible for accurate reporting of covered securities and tax lots to the Internal Revenue Service so the ability to update tax lot records accurately and efficiently is required. Daily responsibilities will cover one or more operations functional areas such as: analyses, report generation, opening new accounts, trade processing, payment processing, data entry, etc.
Principal Financial Analyst - Medicine Finance Penn MedicinePrincipal Financial Analyst - Medicine FinancePhiladelphia, PAThe Principal Financial Analyst communicates complex concepts in a clear manner with managers and senior leadership within the department, as well as other corporate departments (A/P, Purchasing, Finance, Capital Accounting). Penn Medicine is dedicated to our tripartite mission of providing the highest level of care to patients, conducting innovative research, and educating future leaders in the field of medicine.
Financial Analyst (Level I) ICONMA, LLCFinancial Analyst (Level I)Pennington, NJ$15.49–$23.99 / hourTax Reporting Operations is responsible for accurate reporting of covered securities and tax lots to the Internal Revenue Service so the ability to update tax lot records accurately and efficiently is required. Daily responsibilities will cover one or more operations functional areas such as: analyses, report generation, opening new accounts, trade processing, payment processing, data entry, etc.
Sr Business Analyst City of Philadelphia PASr Business AnalystPhiladelphia, PA$85,000–$95,000 / yearAbility to evaluate the effectiveness of administrative functions and implement changes to provide for more effective and efficient operationsStrong oral and written communication skillsWork either as part of a team or individuallyPrioritize and achieve deadline goals with/without supervisionCommunicate effectively and develop working relationshipsHighly detail-oriented and organizedAbility to exercise sound and independent judgmentAdditional InformationSalary Range: $85,000 - $95,000Salary cannot exceed $95,000.All applications should include the following:• Cover Letter clarifying your interest and qualifications for the role.• OIT responsibilities include: identifying the most effective approach for implementing new information technology directions throughout city government; improving the value of the city's technology assets and the return on the city's technology investments; ensuring data security continuity; planning for continuing operations in the event of disruption of information technology or communications services; and supporting accountable, efficient and effective government across every city department, board, commission and agency.
Senior Business Analyst – Payments (SWIFT, ACH, Securities, Banking) IconmaSenior Business Analyst – Payments (SWIFT, ACH, Securities, Banking)Philadelphia, PAPrepare clear functional documentation, operating procedures, and reference guides so that operations and support teams can manage payment transactions efficiently during day shifts Monitor key payment metrics such as transaction success rates, declines, and processing times and use insights to recommend enhancements that improve customer trust and satisfaction Engage in continuous improvement activities by reviewing incident trends, process bottlenecks, and feedback from customers and colleagues to drive sustainable product and process improvements. Analyze existing payment products and customer journeys to identify gaps, inefficiencies, and improvement opportunities that enhance transaction speed, reliability, and user experience Coordinate requirements grooming sessions with cross functional teams to clarify priorities, resolve ambiguities, and maintain a healthy backlog of well defined user stories for day based release cycles.
Business Analyst (Level II) Tailored ManagementBusiness Analyst (Level II)Pennington, NJ$5.63–$40.37 / hourLocation: 1400 MERRILL LYNCH DR., Pennington, NJ Position Overview: Our client is seeking a Business Analyst II to support the Employee Benefit Trust (EBT) Disbursements Team within the Institutional Retirement Payroll, Benefits, and Disbursements organization. This team manages pension payment disbursements, payee maintenance, reconciliation, tax reporting, money movement activities, and deceased payment recoveries for Institutional Trust & Custody products.
Financial Analyst BrightView Holdings IncFinancial AnalystBlue Bell, PAThis role partners with the central office & local region/market/branch leaders to ensure consistency and repeatable business outcomes as well as partners with field & corporate functional groups in support of various corporate initiatives and requirements. The Financial Analyst serves as a key financial support role for the Central FP&A Team and is the liaison for short-term financial planning, management & field reporting & analysis, modeling, and other ad hoc requests as needed.
IT Business Analyst BrightView Holdings IncIT Business AnalystBlue Bell, PAThe Business Analyst gathers requirements, manages projects and work streams of varying sizes, supports deployed solutions, manages solution-related data and analytics, and consults on potential future solutions. Position requires application-specific experience related to their assigned business areas, ensuring familiarity with relevant systems and tools to effectively analyze and support business processes.
Senior Financial Analyst - Medicine Finance Penn MedicineSenior Financial Analyst - Medicine FinancePhiladelphia, PASummary: The Senior Financial Analyst is responsible for creation and updating of all presentation documents to senior leadership, complex accounting analysis, and month end close entry preparation and review. The Senior Financial Analyst mainly communicates with managers and senior leadership within the department, as well as other corporate departments (A/P, Purchasing, Finance, Capital Accounting).
Senior Financial Analyst - Penn MedicineSenior Financial Analyst -Philadelphia, PALoading job Back to Search Results Previous Opportunity Next Opportunity Current UPHS employees must apply HERE Senior Financial Analyst - Job ID: 304406 Category: Accounting/Finance Work Type: FT Location: Philadelphia, PA, United States Work Schedule: Full Time Share: Apply Now Save Job Saved Description Penn Medicine is dedicated to our tripartite mission of providing the highest level of care to patients, conducting innovative research, and educating future leaders in the field of medicine. Entity: Clinical Practices of the University of Pennsylvania (CPUP) Department: Medicine Finance Location: Hospital of the University of Pennsylvania- 3400 Spruce St Hours: Fulltime Summary: The Senior Financial Analyst is responsible for creation and updating of all presentation documents to senior leadership, complex accounting analysis, and month end close entry preparation and review.
Sr Financial Analyst, FP&A (CIO/Technology) DLA Piper LLP (US)Sr Financial Analyst, FP&A (CIO/Technology)PA$89,991–$143,088 / yearYou will partner directly with the CIO, Technology leadership, executive leadership, and operational business owners to drive budgeting, forecasting, variance analysis, business case development, and investment decision support across infrastructure, applications, cybersecurity, digital transformation, and AI-enabled initiatives. While the specific job requirements of a DLA Piper position may vary depending upon scope of the job and area of specialty, there are certain universal requirements that are expected of all DLA Piper employees, which include but are not limited to: Effectively communicate, verbally and in writing, with clients, lawyers, business professionals, and third parties.
Senior Business Analyst Payments (SWIFT, ACH, Securities, Banking) ICONMA, LLCSenior Business Analyst Payments (SWIFT, ACH, Securities, Banking)Philadelphia, PA$48.57 / hourPrepare clear functional documentation, operating procedures, and reference guides so that operations and support teams can manage payment transactions efficiently during day shifts Monitor key payment metrics such as transaction success rates, declines, and processing times and use insights to recommend enhancements that improve customer trust and satisfaction Engage in continuous improvement activities by reviewing incident trends, process bottlenecks, and feedback from customers and colleagues to drive sustainable product and process improvements. Analyze existing payment products and customer journeys to identify gaps, inefficiencies, and improvement opportunities that enhance transaction speed, reliability, and user experience Coordinate requirements grooming sessions with cross functional teams to clarify priorities, resolve ambiguities, and maintain a healthy backlog of well defined user stories for day based release cycles.
Senior Financial Analyst, Business Planning and Support Wawa IncSenior Financial Analyst, Business Planning and SupportPAPrepare monthly and ad-hoc detailed analysis for certain administrative departments, ensuring all analysis provides value and actionable information for management to react to business issues or opportunities. Job Summary: The Senior Financial Analyst, Business Planning and Support is responsible for all financial matters and all the daily operation of budgeting, LRP, forecasting and business tactical support.
B2B Payments Technical Business Analyst Deluxe CorpB2B Payments Technical Business AnalystNewark, DE$77,000–$81,000 / yearThe Technical Business Analyst collaborates with key business stakeholders, Subject Matter Experts and technology solution providers to gather and document business, functional and technology requirements to achieve stated business and technology goals for a project or as part of continuous process improvement initiatives. Has mastered the understanding of business complexities across technical platforms or business units, problems or opportunities & applies expert knowledge, skills, & experiences to successfully manage requirements / user stories throughout the project / sprint.
NewAML Business Analyst I ICONMA, LLCAML Business Analyst IMount Laurel, NJRemote$31.34–$34.56 / hourCreating and maintaining records of investigation activities and findings; gathering and analyzing documents to assist in identifying suspicious transaction patterns. Strong analytical and problem-solving skills are crucial for identifying patterns and trends in financial transactions.
NewSr. Financial Analyst Advertising Specialty InstituteSr. Financial AnalystPhiladelphia, PA$90,000–$100,000 / yearOffice amenities with onsite café, Starbucks, 24/7 free gym access and classes, onsite daycare, EV charging stations, creative spaces such as our community garden club, music room, art room, and relaxation space. The Senior Financial Analyst collaborates closely with Finance, Accounting, Sales & Operations, and Executive Leadership to ensure financial accuracy, strong internal controls, and continuous process improvements.
NewCorporate Financial Analyst Marsh & McLennan Companies IncCorporate Financial AnalystPhiladelphia, PA$69,400–$121,400 / yearWith offices across North America, we combine the personalized service model of a local consultant with the global resources of the world's leading professional services firm, Marsh (NYSE: MRSH). Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement, and private client insurance solutions to organizations and individuals seeking limitless possibilities.
NewSr. ITFM Business Analyst Qurate Retail Group, Inc.Sr. ITFM Business AnalystWest Chester, PAThis role partners with IT, Finance, Procurement, Legal, and other cross-functional teams to strengthen financial tracking, operational oversight, and vendor management for QVC's technology environment. The Sr ITFM Business Analyst supports QVC, and helps drive IT financial management through improved tools, reporting, processes, and governance across the business.
Performance Marketing Chase Wealth Management Senior Business Analyst JPMorgan Chase & CoPerformance Marketing Chase Wealth Management Senior Business AnalystWilmington, DEYou will facilitate agile methodologies, integrate BDD practices to translate stakeholder needs into clear requirements, leverage tools like Figma and Jira, and partner with technical, business, and UX design teams to ensure our digital platforms meet evolving market needs. Design and iterate prompts for BA delivery (decomposition, edge-case discovery, test scenario generation, and release notes) using structured outputs (tables/JSON) and rubric-based evaluation.
NewDigital Marketing Execution Business Analyst JPMorgan Chase & CoDigital Marketing Execution Business AnalystWilmington, DEAs a Digital Marketing Execution Business Analyst on the Marketing Execution team, you'll be the central point of contact between internal Marketing partners and the execution team-driving clarity, alignment, and momentum. Chase relies on digital marketing as a key strategic channel in driving acquisition, branding, and cross-sell opportunities to millions of customers across a suite of consumer banking products.
Senior Financial Analyst Constellation Energy Generation, LLC.Senior Financial AnalystKennett Square, PennsylvaniaFull timePrepare and review month-end, quarterly and full-year forecast/reports up to and including: executive reporting packages, monthly financial close packages, quarterly management meeting presentations. Must be able to fulfill ad hoc requests from various internal and external sources to support decision-making and provide necessary insight to executives, managers, department heads and line personnel.
ERP Business Analyst - Budgeting and Financial Management East Penn Manufacturing - Deka BatteriesERP Business Analyst - Budgeting and Financial ManagementLyon Station, PennsylvaniaFull timeOverview: The ERP Business Analyst serves as the primary liaison between business stakeholders and ERP delivery teams, specializing in Budgeting and Financial Management . Serve as an ERP functional expert for the Financial and Budgeting domain with strong working knowledge of SAP S/4HANA modules such as FI, CO, FM, PS , and related financial components.
FP & A – Financial Analyst NR Consulting LLCFP & A – Financial AnalystWest Chester, PA$22–$35 / hourThe ideal candidate will possess strong Excel and data management skills, experience working with large data sets, and the ability to communicate financial results clearly to leadership teams and 2 years’ experience working as a Financial Analyst. This role will partner closely with Operations, Division Leadership, and FP&A leadership to provide financial insights that drive business performance and decision-making.
Senior Business Analyst (US) Qurate Retail Group, Inc.Senior Business Analyst (US)West Chester, PALead the customer goal process through close partnership with senior executives and financial partners Report on actual performance against plan and forecast future results Deliver ad-hoc projects that inform both strategic and operational projects Identify business trends and shifts, and recommend data-driven responses to our organization Use customer-centric data analysis, data visualization, segmentation, and predictive modeling methods to increase sales across customer cohorts Design analytic constructs to highlight areas of the business that are under or over performing and help develop strategies to address these areas. targeting and customer segmentation, lifetime value forecasting, behavioral trend modeling) 5+ years experience with data visualization tools (Tableau), statistical computing tools (R, SPSS), query and database access tools (MicroStrategy) 5+ years experience with analysis tools including Excel VBA, R, SPSS, Python, R, and SAS Experience with cloud-based data platforms (databricks, Azure).
Financial Analyst Senior Pyramid, IncFinancial Analyst SeniorCarneys Point, NJ$50–$55 / hourFull timeKey Requirements and Technology Experience: Bachelor's degree in Business or Engineering AND 4-7 years of related business experience, or in lieu of degree, 6-9 years of relevant business experience is required. By applying to our jobs you agree to receive calls, AI-generated calls, text messages, or emails from Pyramid Consulting, Inc. and its affiliates, and contracted partners.
Workday IT Financial Analyst Akumin IncWorkday IT Financial AnalystPA$115,000–$125,000 / yearAkumin is a leading provider of outpatient radiology and oncology services, partnering with top hospitals and health systems nationwide to deliver advanced diagnostic imaging and exceptional patient care close to home. This position plays a critical role in maintaining the stability, security, and scalability of Workday, directly impacting employee experience, financial integrity, and operational efficiency.
Financial Analyst BrightViewFinancial AnalystBlue Bell, PAThis role partners with the central office & local region/market/branch leaders to ensure consistency and repeatable business outcomes as well as partners with field & corporate functional groups in support of various corporate initiatives and requirements. + The Financial Analyst serves as a key financial support role for the Central FP&A Team and is the liaison for short-term financial planning, management & field reporting & analysis, modeling, and other ad hoc requests as needed.
Financial Analyst - ESS Thomas Jefferson UniversityFinancial Analyst - ESSPhiladelphia, PAFinancial information includes, but is not limited to Inpatient, OBV, AO, and outpatient service line/business unit financial performance reports, payer financial performance reports, extensive use of decision support systems, including appropriate interpretation and presentation of data, net revenue/reimbursement computations, payer contract supporting computations, budget proposals, budget development, monthly actual/budget analysis, business plans, and look-back reviews. Jefferson is more than 65,000 people strong, dedicated to providing the highest-quality, compassionate clinical care for patients; making our communities healthier and stronger; preparing tomorrow's professional leaders for 21st-century careers; and creating new knowledge through basic/programmatic, clinical and applied research.