REMOTE - Controller - CFO Services JobotREMOTE - Controller - CFO ServicesFrisco, TX$160,000–$175,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. This is a high-impact role for an experienced accounting professional who is passionate about leveraging cutting-edge technology to deliver controller and CFO-level services to a diverse client portfolio.
NewManager or Senior Manager, Financial Services Valuation (NYM) KPMGManager or Senior Manager, Financial Services Valuation (NYM)Dallas, TX$120,745–$243,915 / yearResponsibilities: Manage and deliver valuation services related to a variety of financial assets and liabilities in the financial services industry (including banking, specialty lending, insurance, fintech, Insurtech, and asset management) including individual loans and portfolios of commercial real estate (CRE) loans, residential mortgages, commercial & industrial (C&I) loans, construction loans, auto loans, other consumer loans, specialty finance products, and more. Perform and/or review detailed cash flow modeling for mortgage and other loan portfolios, incorporating key credit loss, prepayment, and discount rate assumptions; analyze and interpret large, complex loan-level datasets (e.g., loan tapes, servicing and performance data) and translate findings into valuation inputs and conclusions.
Associate, Transaction Advisory Services JobotAssociate, Transaction Advisory ServicesDallas, TX$120,000–$150,000 / yearEstablished over 50 years ago with billions in assets, we have expertise in a wide array of strategic advisory services our Transaction Advisory Services practice assists private equity and corporate clients with financial, IT and tax due diligence, business analytics and technical accounting matters associated with corporate mergers, divestitures and acquisitions (M&A). Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
NewVice President, Transaction Advisory Services JobotVice President, Transaction Advisory ServicesDallas, TX$160,000–$215,000 / yearEstablished over 50 years ago with billions in assets, we have expertise in a wide array of strategic advisory services our Transaction Advisory Services practice assists private equity and corporate clients with financial, IT and tax due diligence, business analytics and technical accounting matters associated with corporate mergers, divestitures and acquisitions (M&A). Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
Tax Senior Manager, Private Client Services bdo consultingTax Senior Manager, Private Client ServicesDallas, TX$146,000–$200,000 / yearA Tax Senior Manager, Private Client Services (PCS) is responsible for utilizing their educational background and professional experience as well as their communication, time management, leadership, technical, business development, and people skills to provide tax compliance and consulting services to our high net-worth clients. Offering a high touch approach, we have extensive experience serving high net-worth individuals, their families, family offices, C-Suite executives, athletes, entertainers, as well as other people with complicated tax and financial structures.
Tax Managing Director, Core Tax Services bdo consultingTax Managing Director, Core Tax ServicesDallas, TX$190,000–$335,000 / yearThe Tax Managing Director is responsible for applying industry specific knowledge to advice clients on the tax implications of their business objections, evaluating and selecting alternative actions to lessen tax burden and cost of compliance, identifying different methods of complying with tax regulations while acting as the primary client contact for complex tax issues. Develops an in-depth understanding of the technical and practical issues and opportunities regarding one or more areas of taxation, e.g., individual, corporate, property, sales, corporate, pass-through, state and local, international, expatriate, transfer pricing, credits and incentives, compensation and benefits, accounting methods, R&D tax benefits.
NewManager, Financial Due Diligence KPMGManager, Financial Due DiligenceDallas, TX$131,005–$251,965 / yearAnalyze target company data to identify historical and projected financial and operating trends, quality of earnings and working capital considerations, and potential liabilities and risks, which impact valuation and negotiation of the target company. If you're looking for a firm with a strong team connection where you can be your whole self, have an impact, advance your skills, deepen your experiences, and have the flexibility and access to constantly find new areas of inspiration and expand your capabilities, then consider a career in Advisory.
Transaction Advisory Experienced Manager - Financial Due Diligence bdo consultingTransaction Advisory Experienced Manager - Financial Due DiligenceDallas, TX$130,000–$160,000 / 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. The Transaction Advisory Services Experienced Manager will be responsible for managing financial, accounting and operational due diligence engagements for both strategic and financial buyers throughout the United States.
Financial Coordinator V-Soft Consulting Group IncFinancial CoordinatorPlano, TexasContractorEducation and Experience » Proven experience with budgeting and forecasting business unit SG&A expenses (candidates focused solely on AP, AR, or headcount-related expenses are not preferred). Responsibilities are centered on tracking actuals vs budget, supporting forecasting and modeling, and leading routine financial reviews for your assigned portfolio.
Sr. Treasury Analyst JobotSr. Treasury AnalystDallas, TX$80,000–$110,000 / yearLong-standing Real Estate Company with holdings in excess of $3 billion, whose primary business activities include real estate development, real estate ownership and management, commercial real estate lending, venture capital and private equity. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
Senior Cloud Software Engineer – .NET / Azure / Blazor (Microservices Architecture) JobotSenior Cloud Software Engineer – .NET / Azure / Blazor (Microservices Architecture)Coppell, TX$95,000–$130,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. We are seeking a Senior Cloud Software Engineer to join a growing Data Intelligence and Application Development team focused on building scalable, cloud-native enterprise solutions.
Patient Services Manager AramarkPatient Services ManagerDallas, TXThe Patient Services Manager will support the Patient Services Operation in the Food & Nutrition Department and will be responsible for developing and executing dining solutions to meet patient and customer needs and tastes. Adopt all Aramark processes and systems, understand performance metrics, data, order, and inventory trends; educate teams on key levers to improve margins.
Transaction Advisory Manager - Financial Due Diligence bdo consultingTransaction Advisory Manager - Financial Due DiligenceDallas, TX$100,000–$170,000 / 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. We are committed to delivering exceptional experiences to middle market leaders by sharing insight-driven perspectives, helping companies take business as usual to better than usual.
Commercial Litigation Attorney JobotCommercial Litigation AttorneyDallas, TX$180,000–$400,000 / yearTheir team works across a range of practice areas, including corporate transactions, business litigation, real estate matters, financial services, and risk-management work, partnering closely with business owners, executives, and organizations to achieve practical, results-driven outcomes. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
NewSenior Associate, Financial Due Diligence- Healthcare & Life Sciences KPMGSenior Associate, Financial Due Diligence- Healthcare & Life SciencesDallas, TXCreate and design tailored transaction advisory reports specific to key issues such as normalized earnings, valuation model input assumptions, achievability of managements budget, indebtedness considerations, borrowing base calculations, and/or business combinations and carve-out financial statements. Responsibilities: Participate in buy-side and sell-side transaction advisory engagements, providing financial and commercial due diligence assistance, and accounting advisory services including IPO assistance, carve-outs, restructuring and similar services to Fortune 1000 companies, private equity investors, and asset based lenders.
NewApplication System Analyst Senior - Converge Information Services CHRISTUS HealthApplication System Analyst Senior - Converge Information ServicesIrving, TXThe Application System Analyst Senior serves as a liaison between system end-users (customers), operational leaders, additional support resources and vendors to design, build and optimize their assigned applications in a timely and high-quality manner. Leads and evaluates process and requirements analysis, including process mapping though current flow charts, documents, future needs/plans, requirement elicitation, stakeholder analysis, and specification gathering on complex projects/requests.
NewManager Information Services -Integration Design CHRISTUS HealthManager Information Services -Integration DesignIrving, TXMaintain knowledge of current and emerging trends in healthcare technology, actively seeking information to stay abreast of best practices, application solutions and services, striving to incorporate innovation in a practical, cost-effective manner. Monitors, manages, and reports day-to-day operations to the System Director to support efficient and effective planning for resource utilization and prioritization of the body of work for which IS is accountable and responsible.
NewManager Information Services - IM Application Development CHRISTUS HealthManager Information Services - IM Application DevelopmentIrving, TXMaintain knowledge of current and emerging trends in healthcare technology, actively seeking information to stay abreast of best practices, application solutions and services, striving to incorporate innovation in a practical, cost-effective manner. Monitors, manages, and reports day-to-day operations to the System Director to support efficient and effective planning for resource utilization and prioritization of the body of work for which IS is accountable and responsible.
Banking & Finance Attorney JobotBanking & Finance AttorneyDallas, TX$200,000–$400,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. The firm distinguishes itself by offering strategic business insight alongside traditional legal counsel, aiming to provide a holistic approach to their clients' legal and business needs.
NewSenior Audit Manager ( Hybrid) JobotSenior Audit Manager ( Hybrid)Grapevine, TX$140,000–$200,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Well-established, full-service CPA firm that provides a full suite of traditional audit/review, tax, and accounting services to individuals and businesses, both large and small, throughout the Dallas/Fort Worth area.
NewLife Insurance Client Services Representative The Mires AgencyLife Insurance Client Services RepresentativeDallas, TX$600–$800Instead of traditional customer service, you'll help families understand coverage options, submit applications, and ensure clients receive the protection for which they apply. Our mission at The Mires Agency is to empower individuals to build businesses that create financial freedom and lasting change for families and communities.
RN - Super Pool Women Services Medical City DallasRN - Super Pool Women ServicesLewisville, 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 part of the Medical City network of hospitals, patients are ensured access to leading medical experts and advanced healthcare innovations across the network.
NewTechnology Trainer JobotTechnology TrainerDallas, TX$75,000–$100,000 / yearThe firm is looking for someone who can help shape how learning, technology adoption, and workflow enablement are designed and delivered across a 700+ attorney organization, including helping prepare the firm for the next generation of AI-powered workplace tools. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
NewTax Manager JobotTax ManagerDallas, TX$110,000–$200,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Founded over two decades ago, we've grown from a regional advisory firm into a national wealth management practice with billions in assets under management and offices across the country.
NewBusiness Development Executive - Energy Services UpchurchBusiness Development Executive - Energy ServicesPlano, TXRemoteClient Engagement: Conduct thorough needs assessments, facility walk-throughs, and financial analyses to develop customized, compelling energy solutions that address the specific challenges and goals of public sector clients. Sales Strategy: Develop and execute targeted sales strategies to penetrate the education and local government markets in Texas, building a robust pipeline of qualified opportunities.
Life Insurance Wholesaler Level Four GroupLife Insurance WholesalerDallas, TXUsing product and concept knowledge expertise, you will discuss the benefits of our life insurance product lines, explain various insurance concepts, run life insurance illustrations, and explain our core marketing programs available to the agent. In addition, a wholesaler actively recruits insurance agents, offering comprehensive support with both life insurance products and marketing strategies.
NewNurse Manager - ED- ER Services Medical City DallasNurse Manager - ED- ER ServicesThe Colony, 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.
NewFinOps Public Cloud MSP Team Lead Vaco LLCFinOps Public Cloud MSP Team LeadPlano, TXRemote$75–$95Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to: the individual’s skill sets, experience and training; licensure and certification requirements; office location and other geographic considerations; other business and organizational needs. Determining compensation for this role (and others) at Vaco/Highspring depends upon a wide array of factors including but not limited to the individual’s skill sets, experience and training, licensure and certifications, office location and other geographic considerations, as well as other business and organizational needs.
Life Insurance Case Manager Level Four GroupLife Insurance Case ManagerDallas, TXThe Life Insurance Case Manager maintains primary ownership of cases during the new business process which requires engaging in frequent communication and coordination between insurance agents, insurance carriers, and internal resources. The ideal candidate should enjoy working in a fast-paced, sales-oriented environment and be adept at maintaining and solidifying important business relationships.
Sales Representative / Retail Account Manager (RAM) IDT CorporationSales Representative / Retail Account Manager (RAM)Dallas, TXOur flagship brand, Boss Revolution, includes Money Transfer, International Calling, and Mobile Top-Up services and supports IDTs mission of enabling people to keep in touch and share resources with family and friends worldwide. RAMs develop a weekly cycle to sell IDT Retail products into retail via a designated route established by his/her Regional Sales Manager.
Director, Senior Counsel - Securitizations Page Group USADirector, Senior Counsel - SecuritizationsDallas, TX$275,000–$315,000 / yearFull timeA successful Director, Senior Counsel - Securitizations should have: A Juris Doctor (J.D.) degree from an accredited law school and a license to practice law in the United States. Page Executive is the global executive search, senior leadership recruitment, and executive advisory arm of PageGroup plc.
Life Insurance Sales Agent - Trainee Nobility Financial - Relentless TeamLife Insurance Sales Agent - TraineeDallas, TXRemoteWith a mission to improve clients’ financial security and strengthen families through shared business-minded ventures, Nobility Financial embodies service, personal growth, and community support. Founded in 2011 and headquartered in Carrollton, Texas, Nobility Financial - Relentless Team stands out in the insurance industry for its innovative approach to professional development and client service.
NewBranch Office Administrator Edward JonesBranch Office AdministratorWylie, TXEdward Jones is based on a legacy of partnership and as a privately held firm we share the success with our associates through various discretionary and variable compensation programs, which includes bonus opportunities based on branch and firm profitability, along with individual performance. Full-time Associates receive the following benefits: Edward Jones' compensation and benefits package includes medical and prescription drug, dental, vision, voluntary benefits (such as accident, hospital indemnity, and critical illness), short- and long-term disability, basic life, and basic AD&D coverage.
NewSupervision Principal-Social Media & Marketing CornerStone Professional PlacementSupervision Principal-Social Media & MarketingFrisco, Texas$90,000 / yearFull timeCornerStone has partnered with a local financial services company in their search for a Supervision Principal well versed in the monitoring and review of marketing materials, social media, digital communications and website surveillance of up to 170 financial advisors nationally. Concierge services with daily lunch specials, vendor sales, discount movie tickets and a free DVD library.
Financial Services Representative – State Farm Agent Team Member Raymond Scott - State Farm AgentFinancial Services Representative – State Farm Agent Team MemberDallas, TXAs a Financial Services Representative – State Farm Agent Team Member with Raymond Scott - State Farm Agent, we're looking for a driven, people-first professional who wants to build a meaningful career helping families protect what matters most and grow their wealth. You're joining Raymond Scott - State Farm Agent — a top-tier State Farm agency with a track record of developing talent and a genuine commitment to needs-based, customer-first selling.
Financial Services Consulting Senior Manager Weaver And Tidwell LLPFinancial Services Consulting Senior ManagerTX$155,000–$265,000 / yearThis role combines regulatory advisory experience spanning the SEC, CFTC, NFA, the Investment Advisers Act, the Investment Company Act and other relevant U.S. financial services regulatory regimes with balanced data-enabled advisory delivery across data governance, regulatory reporting, analytics, dashboards, tooling and transformation. Experience advising across the full spectrum of investment fund types, including hedge funds, private equity, private credit, venture capital, real estate funds, registered investment companies (mutual funds, ETFs, BDCs), funds of funds and other alternative investment vehicles.
Financial Services Representative – State Farm Agent Team Member Travis Barton - State Farm AgentFinancial Services Representative – State Farm Agent Team MemberRowlett, TXROLE DESCRIPTION: As a Financial Services Representative – State Farm Agent Team Member with Travis Barton - State Farm Agent, you will successfully market the financial products that manage everyday risks. Your proficient knowledge of financial products reinforces your sales-minded and consultative approach to educating customers on their financial options.
Financial Services Representative - State Farm Agent Team Member Kathy Wall - State Farm AgentFinancial Services Representative - State Farm Agent Team MemberDallas, TXJoin a top-performing, established State Farm agency led by Kathy Wall, a 33-year industry veteran with Chairman’s Circle recognition, Crystal Excellence, and decades of national travel awards. As a Financial Services Sales Representative with Kathy Wall State Farm, you’ll take a consultative approach to helping clients protect and grow their financial future.
Financial Services Representative - State Farm Agent Team Member Kelsey DeLuca - State Farm AgentFinancial Services Representative - State Farm Agent Team MemberDallas, TXROLE DESCRIPTION: As a Financial Service Representative with Kelsey DeLuca State Farm, you will successfully market the financial products that manage everyday risks. Your proficient knowledge of financial products reinforces your sales-minded and consultative approach to educating customers on their financial options.
Financial Services Sales Transformation Lead Senior Manager Accenture PlcFinancial Services Sales Transformation Lead Senior ManagerIrving, TXThis person will have expertise to both Shape, Sell and Deliver Sales and Commerce Transformations with experience across go to market strategy, sales effectiveness, digital sales/commerce, Customer Relationship Management, cross/up sell, branch optimization, market places within the Financial Service industries. Evaluate clients' current front sales and commerce functions (e.g., go to market strategy, sales talent management, incentive management, enablement, and operations) and recommend solutions that address their unique organizational needs.
Insurance and Financial Services Position - State Farm Agent Team Member Imelda Mendoza - State Farm AgentInsurance and Financial Services Position - State Farm Agent Team MemberDallas, TXSuccessful State Farm Agent is seeking a qualified professional to join their winning team for the role of Insurance and Financial Services Position - State Farm Agent Team Member. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs.
Financial Services Representative – State Farm Agent Team Member Claudia Salas - State Farm AgentFinancial Services Representative – State Farm Agent Team MemberDallas, TXSuccessful State Farm Agent is seeking a qualified professional to join their winning team for the role of Financial Services Representative – State Farm Agent Team Member. Enthusiastic about the role insurance and financial products play in helping people manage the risks of everyday life, recover from the unexpected, and realize their dreams.
Insurance and Financial Services Position - State Farm Agent Team Member Larry Allen Sr - State Farm AgentInsurance and Financial Services Position - State Farm Agent Team MemberMesquite, TXEnthusiastic about the role insurance and financial products play in helping people manage the risks of everyday life, recover from the unexpected, and realize their dreams. Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred.
Insurance and Financial Services Position - State Farm Agent Team Member Claudia Salas - State Farm AgentInsurance and Financial Services Position - State Farm Agent Team MemberDallas, TXSuccessful State Farm Agent is seeking a qualified professional to join their winning team for the role of Insurance and Financial Services Position - State Farm Agent Team Member. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs.
Financial Services Coordinator Missouri Western State UniversityFinancial Services CoordinatorTXSupport financial aid operations, including assisting students through the financial aid process, reviewing documentation, and ensuring accuracy of awards, eligibility determinations, and account activity, including specialized awarding and processing for designated student populations or programs (e.g., athletics, scholarships, or other institutional aid programs). Perform a variety of student financial services functions, which may include cash handling, payment processing, accounts receivable support, collections activity, financial aid counseling, verification, and related processes, in accordance with institutional, federal, and state regulations.
Insurance and Financial Services Position - State Farm Team Member David Francesangelo - State Farm AgentInsurance and Financial Services Position - State Farm Team MemberIrving, TXAs an Account Representative, you will be responsible for managing prospects, designing sales strategies, implementing marketing tactics, developing & working leads, networking, setting daily/weekly & monthly goals, educating prospects, cultivating relationships with customers, identifying & uncovering additional needs. Enjoy stability through what could be a long-term career experience by helping to protect members of the community from the unexpected and make a lasting impact on their lives.
Client Partner, Financial Services HDJ & AssociatesClient Partner, Financial ServicesDallas, TexasThis role is ideal for a consultative, relationship-driven seller who excels at account planning, executive alignment, retention, and expansion, while partnering tightly with delivery teams to ensure long-term customer success. Our client is seeking a Client Partner to expand their Data and AI services and solutions to increase revenue and deepen relationships within an assigned portfolio of Financial Services accounts.
NewFinancial Services - Technology Consulting - Guidewire - Business Analyst - Manager Ernst & Young Global LtdFinancial Services - Technology Consulting - Guidewire - Business Analyst - ManagerDallas, TXBachelor's degree in Computer Science, Engineering, Technology, Industrial Administration, Business or a related field and 5+ years of progressive, post-baccalaureate work experience defining business and technical requirements; alternatively, a master's degree in Computer Science, Engineering, Technology, Industrial Administration, Business or a related field and 3+ years of work experience defining business and technical requirements. If you have a disability and either need assistance applying online or need to request an accommodation during any part of the application process, please call 1-800-EY-HELP3, select Option 2 for candidate related inquiries, then select Option 1 for candidate queries and finally select Option 2 for candidates with an inquiry which will route you to EY's Talent Shared Services Team (TSS) or email the TSS at ssc.customersupport@ey.com.
Financial Services Tax - Real Estate Manager PricewaterhouseCoopers LLPFinancial Services Tax - Real Estate ManagerDallas, TX$99,000–$266,000 / yearAs a Manager you are expected to supervise, develop, and coach teams, manage client service accounts, and drive assigned client engagement workstreams by supervising teams and independently solving and analyzing complex problems to develop top-quality deliverables. Our team helps our Financial Services clients navigate the frequently changing and complex national and international tax environment related to stringent capital requirements, management of operational tax risks, and tax implications of investing in different jurisdictions.
Financial Services Representative – State Farm Agent Team Member Dan Miller - State Farm AgentFinancial Services Representative – State Farm Agent Team MemberLewisville, TXYour proficient knowledge of financial products reinforces your sales-minded and consultative approach to educating customers on their financial options. ROLE DESCRIPTION: As a Financial Services Representative, you will successfully market the financial products that manage everyday risks.