NewManager of Emergency Services RN Del Sol Medical CenterManager of Emergency Services RNSocorro, TXAdditional options for dental and vision benefits, life and disability coverage, flexible spending accounts, supplemental health protection plans (accident, critical illness, hospital indemnity), auto and home insurance, identity theft protection, legal counseling, long-term care coverage, moving assistance, pet insurance and more. HCA Healthcare is one of the nation’s leading providers of healthcare services, comprising of over 180 hospitals and about 2,000 sites of care in 21 states and the United Kingdom.
NewBilingual Multi-Location Customer Service Specialist (Spanish) Sherwin-WilliamsBilingual Multi-Location Customer Service Specialist (Spanish)El Paso, TXThe wage range listed for this role takes into account the wide range of factors considered in making compensation decisions including skill sets; experience and training; licensure and certifications; and other business and organizational needs. The Company therefore has determined that a review of criminal history is necessary to protect the business and its operations and reputation and is necessary to protect the safety of the Company’s customers, staff, employees, vendors, contractors, and the general public.
Financial Services Representative – State Farm Agent Team Member Miguel Serrato - State Farm AgentFinancial Services Representative – State Farm Agent Team MemberEl Paso, TXCompany Overview: Miguel Serrato - State Farm Agent an innovative and dynamic force in the insurance industry, is on the lookout for passionate and ambitious individuals to join our team as Financial Services Representative – State Farm Agent Team Member. Please review our website below, and if you think our office is a good fit, and you are ready to embark on an exciting career in insurance sales, we want to hear from you! www.miguelmyagent.com.
Insurance and Financial Services Position - State Farm Team Member Elizabeth Lopez - State Farm AgentInsurance and Financial Services Position - State Farm Team MemberEl Paso, TXThis is a commission-driven opportunity for individuals who thrive on performance, are motivated by uncapped earning potential, and want to build a career in a small, high-performing office where results matter. As an Insurance & Financial Services Professional for Elizabeth Lopez State Farm Agency, you are vital to our daily business operations and customers’ success.
Financial Services Representative World FinanceFinancial Services RepresentativeAnthony, New MexicoWorld Finance, winner of the Top Workplaces USA award for five years in a row and a two-time winner of Newsweek’s Most Trustworthy Companies award, helps customers meet their financial needs and unlock their financial good. Based in Greenville, SC, World reaches over one million customers annually – turning their financial possibility into reality through services like personal loans and tax preparation.
Financial Services Professional Symmetry Financial GroupFinancial Services ProfessionalEl Paso, TexasRemote$36,000–$48,000 / yearResponsibilities: Identify client needs and recommend tailored protection and asset-building solutions. We're building a team of GROWTH-MINDED individuals who want: Mentorship from proven leaders.
Financial Customer Service Representative - Onsite Alorica, Inc.Financial Customer Service Representative - OnsiteEl Paso, TXMLBA (Making Lives Better at Alorica) is our employee-led nonprofit where local teams raise funds and support colleagues and communities when it matters most. We''re bold enough to challenge how things have always been done, committed to delivering results that matter, and passionate about making customer experiences that actually work.
NewMerrill Advisor Development Program - Financial Advisor: Desert Mountain Market Bank of America CorpMerrill Advisor Development Program - Financial Advisor: Desert Mountain MarketEl Paso, TXOur Wealth Management team represents an array of different skills and experiences that individuals bring from all backgrounds and careers; whether gained through military service, community college education, or a wide range of work and life experiences. Back to search results Merrill Advisor Development Program - Financial Advisor: Desert Mountain Market El Paso, Texas; Albuquerque, New Mexico; Santa Fe, New Mexico Additional locations Apply × To proceed with your application, you must be at least 18 years of age.
Client Services Associate Level Four Group, LLCClient Services AssociateEl Paso, TXFull timeAbility to organize, prioritize, multi-task, follow through on commitments, and work independently, while being reliable, accountable, detail-oriented, and team-oriented. Essential responsibilities and tasks of the Client Services Associate are: Work with the Advisor to provide the firm’s stated Client Experience.
Client Services Associate Level Four GroupClient Services AssociateEl Paso, TexasAbility to organize, prioritize, multi-task, follow through on commitments, and work independently, while being reliable, accountable, detail-oriented, and team-oriented. Essential responsibilities and tasks of the Client Services Associate are: Work with the Advisor to provide the firm’s stated Client Experience.
NewFinancial Advisor Northwestern MutualFinancial AdvisorEl Paso, Texas$61,000–$250,000 / yearFull timeNorthwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company (NM) and its subsidiaries, including Northwestern Long Term Care Insurance Company (NLTC), Northwestern Mutual Investment Services, LLC (NMIS) (Investment Brokerage Services), a registered investment adviser, broker-dealer, and member of FINRA and SIPC, and Northwestern Mutual Wealth Management Company® (NMWMC) (Investment Advisory Services), a federal savings bank. As used here, “revenue” includes exclusively First Year and Renewal Commissions, Bonuses, Northwestern Mutual Investment Services, LLC and Northwestern Mutual Wealth Management Company commissions and fees, Strategic Employee Benefits Services commissions, and Expense Allowances.
Personal Financial Counselor, PFC- El Paso, TX Magellan Health IncPersonal Financial Counselor, PFC- El Paso, TXEl Paso, TXServices include education and counseling addressing financial services that may include, but are not limited to, one-on-one counseling, consultation with a commander or with another provider or staff, conducting briefings and presentations, or providing referral resources to a participant outside the context of a counseling session. Coordinates, publicizes and provides a wide variety of Personal Financial Management classes/workshops, e.g., topics across the military lifecycle, including, but not limited to, arrival at first duty station, pre- and post-deployment, and personal and career events outlined in DoDI 1322.34.
Manager of Emergency Services RN HCA Healthcare IncManager of Emergency Services RNEl Paso, TXReferral services for child, elder and pet care, home and auto repair, event planning and moreConsumer discounts through Abenity and Consumer DiscountsRetirement readiness, rollover assistance services and preferred banking partnershipsEducation assistance (tuition, student loan, certification support, dependent scholarships)Colleague recognition programTime Away From Work Program (paid time off, paid family leave, long- and short-term disability coverage and leaves of absence)Employee Health Assistance Fund that offers free employee-only coverage to full-time and part-time colleagues based on income. What qualifications you will need: Advanced Cardiac Life Support must be obtained within 60 months of employment start date Basic Cardiac Life Support must be obtained within 30 days of employment start date Emergency Nurse Pediatric Course must be obtained within 60 months of employment start date Trauma Nursing Core Course Registered Nurse Associate Degree, or Bachelors Degree, or Registered Nurse DiplomaDel Sol Medical Center is a full service, acute-care hospital in east El Paso, Texas.
Registered Nurse Imaging Services HCA Healthcare IncRegistered Nurse Imaging ServicesEl Paso, TXAdditional options for dental and vision benefits, life and disability coverage, flexible spending accounts, supplemental health protection plans, accident critical illness hospital indemnity auto and home insurance, identity theft protection, legal counseling, long-term care coverage, moving assistance, pet insurance, and more. As a majority owner of Galen College of Nursing, which joins Research College of Nursing and Mercy School of Nursing as educational facilities within the HCA Healthcare family, we make it easier and more affordable to gain certifications and job skills.
DINING SERVICES MANAGER Compass Group North AmericaDINING SERVICES MANAGEREL PASO, TX$55,000–$60,000 / yearAssists in the responsibility for all food service-related activities and be primarily involved in meal services in a seated dining room setting, including quality improvement, sanitation, infection control and all facility-related activities. Morrison Healthcare, a Compass Healthcare company, is a leader in healthcare food and nutrition services company, serving more than 1,000 hospitals and healthcare systems across the country.
NewBusiness Services Manager Grant AssociatesBusiness Services ManagerEl Paso, TX$65,000–$90,000 / weekRegional Manager, Production Operations- Mountain Region Regional Business Development Manager, Healthcare Sales & Marketing FOOD AND BEVERAGE FOH OPERATIONS MANAGER Food and Beverage FOH Operations Manager El Paso, TX $65,000.00-$90,000.00 2 weeks agoMedical Operations Manager (Notional Opportunity) El Paso, TX $81,030.00-$137,590.00 3 weeks agoEl Paso, TX $2,953.25-$4,365.66 Join to apply for the Business Services Manager role at Grant Associates3 days ago Be among the first 25 applicantsJoin to apply for the Business Services Manager role at Grant AssociatesOur employees consistently rate Grant Associates as a great place to work, and often recommend open positions to friends.
NewCollege Financial Representative, Internship Program Northwestern MutualCollege Financial Representative, Internship ProgramEl Paso, Texas$500–$1,000 / yearInternOur college financial representatives, who come from varying academic backgrounds and experiences, begin to build a financial planning practice while engaging local and nationwide experts, exclusive financial products, and the support of a Fortune 500 company. Overview: College Financial Representatives in the internship program at Northwestern Mutual are provided guidance, connection, and a framework for building an integrated financial planning practice from the ground up.
Program Assistant - Emergency Medical Services (Part-time) El Paso Community CollegeProgram Assistant - Emergency Medical Services (Part-time)El Paso, TXRequired Qualifications: Associates Degree and two (2) years of related experience, or 30 credit hours and four (4) years of related work experience, or an equivalent combination of education and experience which demonstrates possession of the required knowledge, skills, and abilities. All academic coursework and degrees must be from an accredited college or university or be certified by an acceptable agency that the institution is recognized by the appropriate governmental agency in its home country (this is generally stated in the degree evaluation).
Education Benefits Manager for Military Services University of Texas at El PasoEducation Benefits Manager for Military ServicesEl Paso, TXManages the department daily operations of student in-take and customer service, Coordinates efforts between VPSA/VPBA processing departments including Financial Aid, Admissions, Scholarships, Records & Registration, and Student Business Services. Processes all incoming Hazlewood applications/certifications, verifies eligibility, ensures necessary documents are submitted, calculates tuition and fees, and performs data entry as necessary via Perceptive Content, Banner, and Hazlewood database.
Budget / Acquisition / Financial Analysts CyberMedia TechnologiesBudget / Acquisition / Financial AnalystsEl Paso, TXHeadquartered in McLean, VA, CTEC has over 300 team members working on mission-critical systems and projects for agencies such as the Department of Homeland Security, Internal Revenue Service, and the Office of Personnel Management. The ideal candidates will provide acquisition consulting, budget tracking, financial analysis, data management, and reporting support to ensure successful program execution and compliance with federal acquisition regulations and policies.
Financial Analyst I Texas Tech UniversityFinancial Analyst IEl Paso, TXNo 310X, 651X, 751X36B6F0X1, 65FX3451, 3402, 3404, 3408, 8844The Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act is a federal statute requiring colleges and universities participating in federal financial aid programs to maintain and disclose campus crime statistics and security information. 916012No5625414010.00.006/10/2026Financial Analyst ITexas Tech Unv Hlth Sci Ctr El Paso Performs central accounting and financial analysis functions according to established procedures.45083BRUp to 25%.
Account Executive Regional Financial Sales Securitas Technology CorpAccount Executive Regional Financial SalesEl Paso, TXEssential Functions: As an Account Executive, you must combine a hunter's drive to gain new accounts and attract market share with strong and dynamic relationship-building talents. Working from your home office, you will set appointments with and present our commercial electronic security products and services to national and large regional accounts.
Student and Enrollment Services Technology Manager El Paso Community CollegeStudent and Enrollment Services Technology ManagerTX$54,762–$59,275 / yearResponsible for leading the strategic administration, integration, and optimization of the technology platform that supports student engagement and success, overseeing the management of Customer Relationship Management (CRM) systems, case management software, and other technology tools that enhance student services across the student lifecycle from recruitment through retention and completion. Special Conditions: This is a security-sensitive position as defined under the Texas Education Code, Section 51.215; the successful applicant will be required to undergo a criminal background check, as permitted and/or required by applicable law, and in accordance with the College's policies and procedures.
Accountant II for Student Business Services University of Texas at El PasoAccountant II for Student Business ServicesEl Paso, TXPrepares reports that summarize and interpret current and projected financial position for management; audits contracts, orders, and vouchers and prepares reports to substantiate individual transactions prior to settlement; reviews, investigates, and corrects errors and inconsistencies in financial entries documents and reports; determines proper handling of financial transactions; monitors compliance with generally accepted accounting principles and all State and University policy and procedures. Inquiries-including the filing of a Formal Complaint or reporting an incident-about the application of Title IX may be referred to the Title IX Coordinator, who can be reached by phone at (915) 747-8358, by email at titleix@utep.edu, or by mail at 500 W.
Director of Operations – Services Delivery SPS-North AmericaDirector of Operations – Services DeliveryEl Paso, TXSuccess in this role is measured by consistent service execution, achievement of SLA and KPI targets, improved labor efficiency, reduced errors and rework, stronger employee engagement and retention, effective leadership bench strength, and sustained delivery of Lean and continuous improvement results that enhance customer experience and operational performance. In North America, our services include Mailroom Management (both physical and digital), Office Services such as Reception, Lobby Concierge and Conference Room Management in addition to Document Processing Services utilizing leading edge technologies.
Budget / Acquisition / Financial Analysts Cybermedia Technologies LLCBudget / Acquisition / Financial AnalystsEl Paso, TXHeadquartered in McLean, VA, CTEC has over 300 team members working on mission-critical systems and projects for agencies such as the Department of Homeland Security, Internal Revenue Service, and the Office of Personnel Management. The ideal candidates will provide acquisition consulting, budget tracking, financial analysis, data management, and reporting support to ensure successful program execution and compliance with federal acquisition regulations and policies.
Administrative Director of Cardiovascular Services NurseRecruiterAdministrative Director of Cardiovascular ServicesEl Paso, TexasThe Administrative Director of Cardiovascular Services manages the operations of the Cardiovascular Programs, including CV Recovery, Cardiovascular Services, and Electrophysiology Lab. This role ensures the efficient and effective integration of services to support the healthcare system and medical staff, overseeing quality initiatives, strategic planning, and policy setting.
Health Services Administrator - (13266) InGenesisHealth Services Administrator - (13266)El Paso, TXAs the industry landscape shifts with new challenges in patient care, quality and compliance requirements, workforce retention, and operational efficiencies, we deliver strategic, data-driven solutions that include redefining workforce management and clinical service delivery. The work requires some physical exertion, such as long periods of standing, walking, and/or jogging unaided over rough, uneven, or rocky surfaces; recurring bending, crouching, stooping, stretching, reaching, or similar activities; or recurring lifting of moderately heavy patients or equipment.
Director, Clinical Services DaVita IncDirector, Clinical ServicesEl Paso, TXThis leader partners closely with hospital executives, physician groups, operations, and DaVita divisional leadership to ensure consistent, compliant, and high-performing hospital programs while advancing patient outcomes and clinical reliability at scale. This role drives clinical excellence across inpatient dialysis, hospital-based programs, and physician-aligned care models by leading safety response, developing clinical leaders, and executing division-wide clinical strategy.
Customer Service Representative (Loan Consultant II) Lendmark Financial Services LLCCustomer Service Representative (Loan Consultant II)El Paso, TXPrepare reports, correspondences, transaction documentation, and record and file documentation; operate cash drawer, process bank deposits, maintain records and balances and closing of the branch. Handle account activities related to collection accounts, including phone calls and face to face communications with customers.
Customer Service Associate - Closing Shift Raising Cane's USA LLCCustomer Service Associate - Closing ShiftEl Paso, TXWhether you have previous experience as a customer service associate, retail team member, cashier, restaurant server, kitchen lead, cook, prep cook, drive-thru cashier or any other restaurant or service-oriented role - we have a position for you. Benefits available for hourly Crew: Access to voluntary benefits through an insurance marketplace, including Medical & Pharmacy, Dental, Vision Life Insurance, Short Term Disability, Hospital Indemnity, Legal Insurance, Auto and Renter's Insurance, and ID Theft Protection.
Customer Service Associate - Morning Shift Raising Cane's USA LLCCustomer Service Associate - Morning ShiftEl Paso, TXWhether you have previous experience as a customer service associate, retail team member, cashier, restaurant server, kitchen lead, cook, prep cook, drive-thru cashier or any other restaurant or service-oriented role - we have a position for you. Benefits available for hourly Crew: Access to voluntary benefits through an insurance marketplace, including Medical & Pharmacy, Dental, Vision Life Insurance, Short Term Disability, Hospital Indemnity, Legal Insurance, Auto and Renters Insurance, and ID Theft Protection.
Customer Service Associate - Morning & Lunch Shift Raising Cane's USA LLCCustomer Service Associate - Morning & Lunch ShiftEl Paso, TXWhether you have previous experience as a customer service associate, retail team member, cashier, restaurant server, kitchen lead, cook, prep cook, drive-thru cashier or any other restaurant or service-oriented role - we have a position for you. Benefits available for hourly Crew: Access to voluntary benefits through an insurance marketplace, including Medical & Pharmacy, Dental, Vision Life Insurance, Short Term Disability, Hospital Indemnity, Legal Insurance, Auto and Renters Insurance, and ID Theft Protection.
NewOvernight Customer Service Representative PLSOvernight Customer Service RepresentativeEl Paso, TXThrough our check cashing stores, we provide consumers with convenient financial products and services to help them manage their day-to-day financial needs. Although many of our customers have banking relationships, we believe that our customers use our financial services because they are convenient, transparent, and frequently more affordable than available traditional alternatives.
NewCustomer Service Representative PLSCustomer Service RepresentativeEl Paso, TXThrough our check cashing stores, we provide consumers with convenient financial products and services to help them manage their day-to-day financial needs. Although many of our customers have banking relationships, we believe that our customers use our financial services because they are convenient, transparent, and frequently more affordable than available traditional alternatives.
(USA) Tire and Battery Service Advisor Walmart Inc(USA) Tire and Battery Service AdvisorEl Paso, TX$18–$25 / hourAs a Sam's Club associate, you're eligible to enjoy a complimentary Sam's Club Membership, which includes access to exclusive pricing, savings events and access to a wide range of products and services, both in-store and online, plus a 10% discount on fresh fruits and veggies. Leverages technology to enhance operations and engagement by using digital tools and handheld devices to plan sales, improve the service experience, make real-time business decisions, stay informed about products and training, and encourage THE adoption of new tools among team members.
NewCustomer Service Representative AloricaCustomer Service RepresentativeEl Paso, TXMLBA (Making Lives Better at Alorica) is our employee-led nonprofit where local teams raise funds and support colleagues and communities when it matters most. We're bold enough to challenge how things have always been done, committed to delivering results that matter, and passionate about making customer experiences that actually work. .
Customer Service Representative - State Farm Agent Team Member Crystal Martinez - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberEl Paso, TXDevelop leads, schedule appointments, identify customer needs, and market appropriate products and services. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs.
Customer Service Representative - State Farm Agent Team Member Arleen Beard - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberEl Paso, TXDevelop leads, schedule appointments, identify customer needs, and market appropriate products and services. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs.
Bilingual Customer Service Representative Global OrganizationBilingual Customer Service RepresentativeEl Paso, TXRemoteFull timeMust be willing and able to work with webcam on during training and other meetings as instructed by management Home Office Requirements: - A quiet, professional work-space free from distractions and background noise - A workspace large enough to hold 2 large monitors, laptop, keyboard, mouse and docking station. - Reliable, high-speed internet service, must be a traditional, wired high-speed connection such as cable or fiber - Services that connect via a cellular network (mobile hotspot, fixed wireless, etc.) or satellite are incompatible #HealthTexas #LI-Remote [] .
Customer Service Representative Global OrganizationCustomer Service RepresentativeEl Paso, TXRemoteFull timeMust be willing and able to work with webcam on during training and other meetings as instructed by management Home Office Requirements: - A quiet, professional work-space free from distractions and background noise - A workspace large enough to hold 2 large monitors, laptop, keyboard, mouse and docking station. - Reliable, high-speed internet service, must be a traditional, wired high-speed connection such as cable or fiber - Services that connect via a cellular network (mobile hotspot, fixed wireless, etc.) or satellite are incompatible #HealthTexas #LI-Remote [] .
Associate Field Service Representative - El Paso, TX Stryker CorpAssociate Field Service Representative - El Paso, TXEl Paso, TXRemote$28.01–$38.75 / hourHowever, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. Possess ability to schedule and work independently or with a team on problems of diverse scope where analysis of situations or data requires evaluation of identifiable factors.
Customer Service Representative - State Farm Agent Team Member Daniel Call - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberEl Paso, TXDrive business growth by generating leads, coordinating appointments, and effectively marketing tailored products and services to meet diverse customer needs. Our agents are dedicated to promoting State Farm's premier insurance and financial service products, offering you the chance to become an integral part of a trusted brand.
Field Service Technician II (Cargo) Smiths Group PlcField Service Technician II (Cargo)El Paso, TX$75,240–$101,860 / yearMaintains field service log and filing system to properly initiate, organize and maintain all field service and job files until work is completed Demonstrates initiative and dedication through positive use of downtime and an overall willingness and eagerness to consistently exceed customer and company requirements. Establishes and maintains a close relationship with senior level FST's and Product Managers in order to support the needs of the customer and remain aware of current technical trends.
NewCustomer Service Representative MaximusCustomer Service RepresentativeEl Paso, TXRemoteMaximus compensation is based on various factors including but not limited to job location, a candidate's education, training, experience, expected quality and quantity of work, required travel (if any), external market and internal value analysis including seniority and merit systems, as well as internal pay alignment. If you require assistance at any stage of the employment process-including accessing job postings, completing assessments, or participating in interviews,-please contact People Operations at applicantaccom@maximus.com .
NewWealth Advisor Development Program Bank of AmericaWealth Advisor Development ProgramEl Paso, TXThis position offers a comprehensive training program, with 40 hours of work per week, focused on building strong client relationships and delivering customized financial advice.#J-18808-Ljbffr. A leading financial services company is seeking candidates for the Merrill Advisor Development Program - Financial Advisor role in El Paso, Texas.
J.P. Morgan Wealth Management - Private Client Advisor - El Paso, TX JPMorgan Chase Bank, N.A.J.P. Morgan Wealth Management - Private Client Advisor - El Paso, TXEl Paso, TXFull timeUsing a broad investment product and thought leadership platform along with cutting edge digital technology, you will be front and center representing our brand and interacting with our clients to offer the best investment solutions to meet their financial needs. Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products.
Associate - Inventory GTT, LLCAssociate - InventoryEl Paso, TXThe organization employs inventory associates, fulfillment specialists, procurement professionals, and technical operations staff who work on-site to support complex supply chain and manufacturing workflows in a fast-paced, high-precision environment. Employee must be able to operate any equipment needed to move heavy parts/material throughout the facilities within the sites, including but not limited to: electronic pallet jacks (EPJs), forklifts, reach-trucks and turret-trucks.
Part Time Associate Banker Southwest Texas El Paso (30 hours) JPMorgan Chase & CoPart Time Associate Banker Southwest Texas El Paso (30 hours)El Paso, TXCreate a welcoming environment by delivering attentive and friendly service by greeting clients as they enter the branch, making them feel appreciated, managing lobby traffic, checking clients into the waiting queue, and scheduling/canceling client meetings. • Build meaningful relationships with clients by actively listening, asking thoughtful questions, demonstrating empathy, and sharing product knowledge and solutions - introducing them to our team of experts to help achieve their financial goals.
Business Banker (LO) University Wells Fargo & CoBusiness Banker (LO) UniversityEl Paso, TXIn this role, you will: Manage and grow a portfolio of low to moderately complex business clients; typically, $500K to $2MM in annual sales, by owning the full client journey from onboarding to deepening relationships and acquiring new clients while delivering a branded, client-centric experience that drives growth and positions the bank as a trusted partner. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions.