NewCustomer Service Assistant II (Bank CSA)/Req #1170 Onsite Only Partners BankCustomer Service Assistant II (Bank CSA)/Req #1170 Onsite OnlySpringvale, ME$18.51–$26.73 / hourProficient in opening accounts, assisting with online banking inquiries, services and functionality, performing various account maintenance, handling basic consumer loan requests and making referrals to other lines of business. Working within established guidelines, policies and procedures, the individual will sell and service all deposit and some consumer loan products, handle various customer inquiries and problem resolution and processes a wide variety of transactions.
NewCustomer Service Assistant I (CSA) Bank/Req #1173 Onsite Only Partners BankCustomer Service Assistant I (CSA) Bank/Req #1173 Onsite OnlySanford, ME$18–$23.63 / hourHighly proficient in the processing of teller transactions, and able to complete basic customer service-related tasks such as opening routine checking, savings and certificate of deposit accounts, processing account maintenance, etc. Able to open basic deposit accounts, assist with electronic banking inquiries, services and functionality, complete account maintenance and make referrals to other lines of business, etc.
NewCustomer Service Assistant I Float (CSA) (Bank)/Req #1162 Partners BankCustomer Service Assistant I Float (CSA) (Bank)/Req #1162Wells, ME$18–$23.63 / hourIs highly proficient in the processing of teller transactions, and able to complete basic customer service related tasks such as opening routine checking, savings and certificate of deposit accounts, processing account maintenance, etc. Able to open basic deposit accounts, assist with electronic banking inquiries, services and functionality, complete account maintenance and make referrals to other lines of business, etc.
NewCustomer Service Assistant Float (CSA/Bank)/Req#1187 Onsite Only Partners BankCustomer Service Assistant Float (CSA/Bank)/Req#1187 Onsite OnlySanford, ME$18–$23.63 / hourIs highly proficient in the processing of teller transactions, and able to complete basic customer service related tasks such as opening routine checking, savings and certificate of deposit accounts, processing account maintenance, etc. Able to open basic deposit accounts, assist with electronic banking inquiries, services and functionality, complete account maintenance and make referrals to other lines of business, etc.
NewCustomer Service Representative (Bank)/Req #1155 (Onsite Only) Partners BankCustomer Service Representative (Bank)/Req #1155 (Onsite Only)Limerick, ME$18.51–$26.73 / hourWorking within established operational policies, procedures and protocols, the individual will be responsible for business development activities from new and existing customers through the sale and service of all deposit products and related services. Develop quality referrals to others for a variety of products and services such as residential mortgages, consumer loans, small business loans, investments, etc.
NewCustomer Service Representative (Bank CSR)/Req #1188 Onsite Only Partners BankCustomer Service Representative (Bank CSR)/Req #1188 Onsite OnlySanford, ME$18.54–$26.73 / hourWorking within established operational policies, procedures and protocols, the individual will be responsible for business development activities from new and existing customers through the sale and service of all deposit products and related services. Develop quality referrals to others for a variety of products and services such as residential mortgages, consumer loans, small business loans, investments, etc.
NewCustomer Service Representative (Bank CSR)/Req #1186 Onsite Only Partners BankCustomer Service Representative (Bank CSR)/Req #1186 Onsite OnlySanford, ME$18.51–$26.73 / hourWorking within established operational policies, procedures and protocols, the individual will be responsible for business development activities from new and existing customers through the sale and service of all deposit products and related services. Develop quality referrals to others for a variety of products and services such as residential mortgages, consumer loans, small business loans, investments, etc.
NewCSA I Part Time (Bank) Req 1181 (Onsite only) Partners BankCSA I Part Time (Bank) Req 1181 (Onsite only)East Waterboro, ME$18–$23.63 / hourHighly proficient in the processing of teller transactions, and able to complete basic customer service-related tasks such as opening routine checking, savings and certificate of deposit accounts, processing account maintenance, etc. Able to open basic deposit accounts, assist with electronic banking inquiries, services and functionality, complete account maintenance and make referrals to other lines of business, etc.
Banking Associate - Gray TD BankBanking Associate - GrayGray, MaineConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Associate - Part Time 30 Hour - Yarmouth TD BankBanking Associate - Part Time 30 Hour - YarmouthYarmouth, MaineConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Associate - Westgate II - Portland, ME TD BankBanking Associate - Westgate II - Portland, MEPortland, MaineConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Associate (Part Time) - Falmouth, ME TD BankBanking Associate (Part Time) - Falmouth, MEFalmouth, MaineConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Associate - So Portland, ME (Market St) TD BankBanking Associate - So Portland, ME (Market St)South Portland, MaineConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Associate - Sanford (1237 Main St) TD BankBanking Associate - Sanford (1237 Main St)Sanford, MaineConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Install Tech II Everon JobsBanking Install Tech IIGray, MainePhysical Requirements: While performing the duties of this job, the employee is regularly required to: Stand; walk; sit; twist; use hands to handle; reach with hands and arms; push; pull; climb or balance; stoop, kneel, crouch, or crawl; talk and hear. Position Summary: The basic function is to perform installation of financial/ATM equipment, pneumatic banking systems, bank locks, mechanical systems as well as CCTV and access control systems.
Banking Install Tech II Everon solutionsBanking Install Tech IIGray, MEPhysical Requirements: While performing the duties of this job, the employee is regularly required to: Stand; walk; sit; twist; use hands to handle; reach with hands and arms; push; pull; climb or balance; stoop, kneel, crouch, or crawl; talk and hear. Position Summary: The basic function is to perform installation of financial/ATM equipment, pneumatic banking systems, bank locks, mechanical systems as well as CCTV and access control systems.
Banking Associate - Westgate II - Portland, ME The Toronto-Dominion BankBanking Associate - Westgate II - Portland, MEPortland, ME$22–$27.75 / hourConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Associate (Part Time) - Falmouth, ME The Toronto-Dominion BankBanking Associate (Part Time) - Falmouth, MEME$22–$27.75 / hourConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Associate - Gray The Toronto-Dominion BankBanking Associate - GrayME$22–$27.75 / hourConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Associate - Part Time 30 Hour - Yarmouth The Toronto-Dominion BankBanking Associate - Part Time 30 Hour - YarmouthME$22–$27.75 / hourConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Associate - Sanford (1237 Main St) The Toronto-Dominion BankBanking Associate - Sanford (1237 Main St)ME$22–$27.75 / hourConnects with customers, provides financial advice, and deepens relationships through lead management activities to include the creation & management of self-generated leads, the management of received partner/retail to retail referral leads or campaign leads, customer outreach (outbound calls, relay SMS), setting and/or hosting appointments, and lead prioritization. Services the customer, on both the teller line and platform as needed, with the ability to service customers with opening/closing personal deposit accounts, everyday bank transactions, debit card/credit card issues, regulation E, mobile and on-line (digital) banking.
Banking Install Tech II Everon LLC.Banking Install Tech IIGray, MEPhysical Requirements: While performing the duties of this job, the employee is regularly required to: Stand; walk; sit; twist; use hands to handle; reach with hands and arms; push; pull; climb or balance; stoop, kneel, crouch, or crawl; talk and hear. Position Summary: The basic function is to perform installation of financial/ATM equipment, pneumatic banking systems, bank locks, mechanical systems as well as CCTV and access control systems.
Business Banking Relationship Manager Keybank National AssociationBusiness Banking Relationship ManagerPortland, ME$80,000–$150,000 / yearLeads and participates in credit processes and assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring, and portfolio management activities; assures accurate risk assessment of assigned portfolio. The Business Banking RM Serves as the relationship manager and financial advisor to clients, introducing a full range of core Business Banking products, differentiated capabilities, and comprehensive solutions to meet client needs and exceed customer service expectations.
Senior Business Banking Officer NBT Bancorp IncSenior Business Banking OfficerPortland, ME$92,361–$123,155 / year25% Provide expert level service and advice to business clients with regard to credit, deposit, and Cash Management solutions including the use of internal technologies to aid the customer experience. At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community - because your success drives our success.
Business Banking RM KeyCorpBusiness Banking RMPortland, ME$80,000–$150,000 / yearLeads and participates in credit processes and assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring, and portfolio management activities; assures accurate risk assessment of assigned portfolio. The Business Banking RM Serves as the relationship manager and financial advisor to clients, introducing a full range of core Business Banking products, differentiated capabilities, and comprehensive solutions to meet client needs and exceed customer service expectations.
Sr. Counsel - Corporate Banking Products and Services The Toronto-Dominion BankSr. Counsel - Corporate Banking Products and ServicesPortland, ME$160,000–$264,000 / yearOngoing legal support includes advising on new and updated products and services, including partnerships and sourcing arrangements; aligning customer product terms; supporting customer contracting and negotiations; advising on escalated customer and regulatory issues; reviewing communications, digital content and marketing materials; and collaborating with other teams in TD Legal. Department Overview: The Corporate Products and Services (CP&S) Legal Team supports the Commercial Banking organization, covering deposits, payments and cards, treasury management, merchant services, and digital platforms for small business, commercial and government customers.
NewSenior Compliance Business Oversight Manager (US) Commercial Banking and Payment Operations The Toronto-Dominion BankSenior Compliance Business Oversight Manager (US) Commercial Banking and Payment OperationsPortland, ME$115,440–$186,160 / yearoperational requirements related to payment processing, returns, disputes, error resolution, and exception handling; and Emerging Payments and Digital Assets - OCC expectations applicable to national banks engaging in tokenized deposit, stablecoin reserve, distributed ledger, and related payment facilitation activities, including safe and sound risk management, compliance with applicable law, operational controls, governance, customer protection, third-party risk management, and alignment with the bank's overall business strategy. Strong knowledge of U.S. bank regulatory rules applicable to Commercial Banking, Small Business Banking, and Payment Operations, including: Commercial Banking and Small Business Banking - Regulation B/ECOA, Regulation Y/FIRREA appraisals, FDPA, anti-tying restrictions, UDAAP/UDAP, and.
Counsel (US) - - Digital Banking and Innovation Legal Team The Toronto-Dominion BankCounsel (US) - - Digital Banking and Innovation Legal TeamPortland, ME$140,000–$231,000 / yearDepth & Scope: Provides consistent and sound legal advice in a clear, concise and responsive manner by taking initiative to develop legal knowledge and skill; knowing relevant substantive law, identifying legal issues; knowing the business and its products, operations, strategy, risk appetite and regulatory environment; owning the role of interpreting legal requirements through a balanced understanding of the law and business context to formulate relevant legal theories; and identifying business issues and policies related to the legal requirements, describing legal issues and options to the client. As a thought leader on the Digital Banking and Innovation Legal Team, the Counsel will help shape risk management frameworks and advise TD Bank US on artificial intelligence, digital assets, digital banking platforms, open banking, electronic payment systems, and related third-party and fintech partnerships.
Business System Analyst - Core Banking CapcoBusiness System Analyst - Core BankingPoland, MEYou will work closely with business stakeholders, architects, developers, testers, and product owners to analyze business needs, translate them into system requirements, and support the implementation of modern banking solutions. Produce high-quality documentation, including Business Requirements Documents (BRD), Functional Specifications, process maps, and data mapping documentation.
Treasury and Government Banking Officer II Androscoggin Savings Bank, IncTreasury and Government Banking Officer IIPortland, MEEssential Duties and Responsibilities: Solicits business from current and prospective customers directly via marketing, sales strategies, leads and referrals to develop new sources of fee income and to foster new and existing customer core deposit growth, including checking and savings account balances, merchant services, card services, courier services, online banking and other related business depository products and Treasury Management solutions. Proactively calls jointly with commercial relationship managers and branch managers or independently, to develop new deposit and fee relationships with businesses, municipalities and non-profit organizations in the Bank's market footprint that both do and do not currently have a relationship with the bank.
Treasury And Government Banking Officer II Androscoggin BankTreasury And Government Banking Officer IIPortland, MEEssential Duties and Responsibilities: Solicits business from current and prospective customers directly via marketing, sales strategies, leads and referrals to develop new sources of fee income and to foster new and existing customer core deposit growth, including checking and savings account balances, merchant services, card services, courier services, online banking and other related business depository products and Treasury Management solutions. Proactively calls jointly with commercial relationship managers and branch managers or independently, to develop new deposit and fee relationships with businesses, municipalities and non-profit organizations in the Bank's market footprint that both do and do not currently have a relationship with the bank.
Teller Northeast BankTellerBrunswick, MEResponsible for accurately processing retail and commercial financial transactions, providing customers with basic account information, and assisting customers with selecting products and services based on their financial needs and/or referring customers to other product specialists within the Bank, as appropriate. Answers customer inquiries and refers customers to the Lead Teller and/or Banking Center Manager, or proper service area for issues that cannot be resolved at the teller line.
Lead Teller Northeast BankLead TellerBrunswick, MEResponsible for accurately processing retail and commercial financial transactions, researching and servicing customer service needs, providing observational coaching to Tellers and Senior Tellers, assisting customers with selecting products and services based on their financial needs and/or referring customers to other product specialists within the Bank, as appropriate. POSITION SUMMARY: Responsible for leading the daily operations of a full-service Banking Center with a primary responsibility of serving as the Bank's first point-of-contact with customers who visit a Banking Center.
Teller Columbia BankTellerLewiston, MaineExamples include appropriate use of double custody in balancing the ATM, processing night drop deposits, balancing negotiable instruments, processing returned mail, balancing credit card machine, updating lobby rate sheets and brochures, etc. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.
Regional Float Teller M&T Bank CorpRegional Float TellerWells, ME$18–$26.21 / hourActively engage in lobby management, meeting and greeting customers and proactively inquiring and taking ownership to address the customer's immediate need. Overview: As a Float Teller, you will specialize in our branch customer experience through digital engagement, lobby management, transactional processing and retail servicing interactions.
Teller - Float M&T Bank CorpTeller - FloatME$18–$26.21 / hourActively engage in lobby management, meeting and greeting customers and proactively inquiring and taking ownership to address the customer's immediate need. Overview: As a Float Teller, you will specialize in our branch customer experience through digital engagement, lobby management, transactional processing and retail servicing interactions.
Float Teller M&T Bank CorpFloat TellerPortland, ME$18–$26.21 / hourActively engage in lobby management, meeting and greeting customers and proactively inquiring and taking ownership to address the customers immediate need. It is important for the position to stay current on operational changes and demonstrate good risk management decisions to assist the branch in managing preventable losses and reducing fraudulent activity.
Lead Teller Keybank National AssociationLead TellerPortland, ME$18.75–$25 / hourConsumer Retail- Prolonged Standing (5-8 hours per day), frequent use of hands to manipulate/grasp objects, ability to communicate face to face and on the phone with clients, occasional bending and lifting from floor height, frequent forward reach, frequent lifting of 1 - 10 lbs., occasional lifting of up to 30 lbs. Lead Tellers help observe and provide coaching to Tellers to enhance the client experience and operational effectiveness and are responsible for day-to-day Teller scheduling, staffing issues, and branch compliance with regulatory, security, and internal audit controls.
NewPart Time Teller Keybank National AssociationPart Time TellerSouth Portland, ME$18–$23.08 / hourConsumer Retail- Prolonged Standing (5-8 hours per day), frequent use of hands to manipulate/grasp objects, ability to communicate face to face and on the phone with clients, occasional bending and lifting from floor height, frequent forward reach, frequent lifting of 1 - 10 lbs., occasional lifting of up to 30 lbs. As a Teller, you provide excellent client service in-person by welcoming both new and existing clients to the Bank and assisting them with their account transactions and servicing needs, including identifying and resolving client servicing issues.
Teller M&T Bank CorpTellerME$18–$26.21 / hourActively engage in lobby management, meeting and greeting customers and proactively inquiring and taking ownership to address the customer's immediate need. Education and Experience Required: High school diploma or equivalent (GED) and minimum of 6 months customer service experience, including data entry and/or cash handling experience.
NewPart Time Teller KeyCorpPart Time TellerSouth Portland, ME$18–$23.08 / hourConsumer Retail - Prolonged Standing (5-8 hours per day), frequent use of hands to manipulate/grasp objects, ability to communicate face to face and on the phone with clients, occasional bending and lifting from floor height, frequent forward reach, frequent lifting of 1 - 10 lbs., occasional lifting of up to 30 lbs. As a Teller, you provide excellent client service in-person by welcoming both new and existing clients to the Bank and assisting them with their account transactions and servicing needs, including identifying and resolving client servicing issues.
Lead Teller KeyCorpLead TellerPortland, ME$18.75–$25 / hourConsumer Retail - Prolonged Standing (5-8 hours per day), frequent use of hands to manipulate/grasp objects, ability to communicate face to face and on the phone with clients, occasional bending and lifting from floor height, frequent forward reach, frequent lifting of 1 - 10 lbs., occasional lifting of up to 30 lbs. Lead Tellers help observe and provide coaching to Tellers to enhance the client experience and operational effectiveness and are responsible for day-to-day Teller scheduling, staffing issues, and branch compliance with regulatory, security, and internal audit controls.
Retail Banker II Float - Saco, Maine Area TD BankRetail Banker II Float - Saco, Maine AreaSaco, MaineTotal Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007.
Retail Banker II Float - Saco, Maine Area The Toronto-Dominion BankRetail Banker II Float - Saco, Maine AreaSaco, ME$24–$33.50 / hourOCC Language: This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36, and the definition of Mortgage Loan Originator as defined under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
NewTeller Bangor Savings BankTellerKennebunk, METeamwork - Team player with a positive attitude, promotes a team atmosphere, selflessly pitches in, shares information, partners well with others, willingly assists co-workers and share responsibilities. Sales Skills - applies sales skills to identify customer needs and refer to appropriate business partners, translates product features to benefits, works to develop sales skills.
Floating Customer Service Representative- Bangor, ME Bar Harbor BanksharesFloating Customer Service Representative- Bangor, MEBrunswick, MEResponsibilities include providing professional and confidential customer service by operating a customer service window with courtesy, promptness, efficiency, and accurately processing a wide variety of simple-to-complex customer banking transactions, including opening new accounts. Pay Transparency - https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp_%20English_formattedESQA508c.pdf .
New["Customer Service Representative","Customer Service Representative"] Maine Community Bank["Customer Service Representative","Customer Service Representative"]WindhamThe Customer Service Representative is responsible for accurately and courteously meeting new and existing customer account needs; participating in daily branch activities including growth initiatives and goals, the ability to perform financial activities for customers, operational compliance, superior customer service, and bank directed initiatives. Education, Skills, and Experience Required: High school diploma or equivalent and a minimum of 1 or more years of experience in customer service, preferably in a banking environment; or equivalent combination of education and experience.