GEICONewCustomer Service Representative GEICOCustomer Service RepresentativeStafford, VAOur teams are led by dynamic, multi-faceted teams led by supportive leaders, driven by performance excellence and unified under a shared purpose. Our paid training program lasts approximately 5 months and is designed to help you build the skills needed for success in the Customer Service Representative role.
Sparks GroupNewCustomer Service Representative-AOG Sparks GroupCustomer Service Representative-AOGHerndon, VAThis position provides high-priority and emergency logistical sales and technical product support for customers related to material, logistics and supplier issues, and purchase orders. The Customer Order Specialist is responsible for responding to customer inquiries and processing urgent orders for spare parts for customers in the US and internationally.
Valvoline Instant Oil ChangeNewAutomotive Customer Service Representative Valvoline Instant Oil ChangeAutomotive Customer Service RepresentativePotomac Falls, VAPerform automotive preventive maintenance such as changing oil, checking and refilling other vehicle fluids, replacing filters, and inspecting and replacing lights and wipers . -Act as a trusted adviser to our customers, evaluating their needs and performing maintenance to keep their vehicle serviced and safe on the road.
Sherwin-WilliamsNewBilingual Multi-Location Customer Service Specialist (Spanish) Sherwin-WilliamsBilingual Multi-Location Customer Service Specialist (Spanish)Edgewater, MDThe 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.
Sherwin-WilliamsNewBilingual Customer Service Specialist (Spanish) Sherwin-WilliamsBilingual Customer Service Specialist (Spanish)College Park, MDThe individual selected for this role will be expected to work at Store #5292, located at: 9104 Baltimore Ave, College Park, MD 20740.This position is eligible for health benefits, such as medical, dental and vision coverage, Flexible Spending Accounts (FSAs), disability coverage, security, retirement and saving benefits, and more. The 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.
CoolSysRefrigeration Service Technician - Commercial & Industrial CoolSysRefrigeration Service Technician - Commercial & IndustrialManassas, VA$30–$40Provides service to the customer base by repairing and overhauling equipment, such as compressors, water pumps, air handlers, and electrical and mechanical control devices in a safe, efficient, and timely manner that exceeds customers’ expectations. Provides general repair work on refrigeration, heating, and ventilation equipment, such as air conditioning units, evaporative condensers, ice machine equipment, water pumps, gas furnaces, compressors, and electric motors in a safe and timely manner.
CoolSysSenior Refrigeration Service Technician - Commercial & Industrial CoolSysSenior Refrigeration Service Technician - Commercial & IndustrialAlexandria, VA$35–$50Provides service to the customer base by repairing and overhauling equipment, such as compressors, water pumps, air handlers, and electrical and mechanical control devices in a safe, efficient, and timely manner that exceeds customers’ expectations. Provides general repair work on refrigeration, heating, and ventilation equipment, such as air conditioning units, evaporative condensers, ice machine equipment, water pumps, gas furnaces, compressors, and electric motors in a safe and timely manner.
Luxury Pet Hotel InvestmentNewK9 Resorts Seasonal Brand Ambassador Luxury Pet Hotel InvestmentK9 Resorts Seasonal Brand AmbassadorSterling, VA$15–$17 / hourPassion for dogs, making memorable experiences, and understanding of pet parent expectationsOutgoing personality with strong communication skillsComfortable speaking with guests and promoting services in public settingsSales-minded and confident engaging new clientsReliable transportation and willingness to travel locally for eventsAbility to work weekends, evenings, and community events as neededPrior customer service, hospitality, retail events, or promotional experience preferredComfortable using technology including tablets, scheduling systems, and basic Microsoft Office toolsWhat You'll Get. Represent K9 Resorts at community events, festivals, farmers markets, and local partnershipsEngage with pet parents and educate them on our luxury boarding, daycare, and grooming servicesDistribute promotional materials, giveaways, and "coming soon" informationSupport grassroots marketing efforts including local business outreach and neighborhood engagementHelp generate leads, tours, and future reservations prior to openingCreate excitement around grand opening activities and promotionsServe as polished and enthusiastic brand ambassador in the community.
Domino's Pizza IncCustomer Service Representative (CSR) (04652) - 914 Bay Ridge Road Domino's Pizza IncCustomer Service Representative (CSR) (04652) - 914 Bay Ridge Roadannapolis, MDMust be 16 years or older (18+ may be required for specific tasks or shifts) • Great communication and people skills • Basic math and computer skills • Able to thrive in a fast-paced environment • Customer service or restaurant experience is a plus but not required. • Opportunities to grow into leadership roles • Flexible scheduling that works for you • Competitive pay • Fun, fast-paced team environment • Employee discounts on all your favorites.
Akina PharmacyCustomer Service Representative Akina PharmacyCustomer Service RepresentativeSterling, VAFull timeYou’ll have success here if you value clear processes and get, want, and have capacity to do the following things: Customer Relationship Management: Build and maintain positive relationships with patients and providers, going above and beyond in customer service to handle inquiries, cancellations, and confirmations with a compassionate and service-oriented approach. Performance Metrics and Quality Assurance: Achieve defined daily qualitative and quantitative targets, including specific numbers of outbound calls, inbound calls, chat requests handled, and order transactions completed, while maintaining an exceptional patient-satisfaction rating and adhering to service, productivity, and quality objectives.
Maryland-National Capital Park and Planning CommissionNewNorthern Recreation & Leisure Services - Customer Service Representative - Seasonal/Year-Round Maryland-National Capital Park and Planning CommissionNorthern Recreation & Leisure Services - Customer Service Representative - Seasonal/Year-RoundHyattsville, MDAs the first point of contact for our residents and guests, Customer Service Representatives provide frontline support by greeting patrons, answering questions, and promoting a positive experience at community and recreation facilities. If you require accommodations or special arrangements due to a qualifying disability, please notify the Recruitment & Selections Services Unit at the time of applications at or 301-454-1411 (Maryland Relay 7-1-1) .
FASTSIGNS #480101Customer Service Representative FASTSIGNS #480101Customer Service RepresentativeWashington, DCAt FASTSIGNS we pride ourselves on the best customer service in the Sign Industry and to prove it we survey our customers to ensure we constantly improve our service. As a FASTSIGNS Customer Service Representative, you will be the initial contact with current customers as well as prospective customers in our FASTSIGNS Center.
Fastsigns International IncCustomer Service Representative Fastsigns International IncCustomer Service Representativewashington, DCAt FASTSIGNS we pride ourselves on the best customer service in the Sign Industry and to prove it we survey our customers to ensure we constantly improve our service. As a FASTSIGNS Customer Service Representative, you will be the initial contact with current customers as well as prospective customers in our FASTSIGNS Center.
Escape Travel by JonelleNewRemote Customer Service Representative Escape Travel by JonelleRemote Customer Service RepresentativeArlington, VARemoteThe Travel Consultant/Advisor will work directly with clients to understand their travel needs, preferences, and budgets, and then design customized itineraries that may include flights, accommodations, transportation, tours, and other activities. The Travel Consultant/Advisor will provide ongoing customer support before, during, and after travel, handle inquiries via phone, email, and online channels, and maintain detailed records in booking and CRM systems.
Maryland-National Capital Park And Planning CommissionNorthern Recreation & Leisure Services - Customer Service Representative - Seasonal/Year-Round Maryland-National Capital Park And Planning CommissionNorthern Recreation & Leisure Services - Customer Service Representative - Seasonal/Year-RoundGreenbelt, MD$15.45–$19.98 / hourImportant Duties • Responding to inquiries in person, and by phone • Processing program registrations, memberships, and facility reservations • Handling payments and basic recordkeeping • Assisting with administrative tasks and daily facility operations • Ensure safe, welcoming, and customer-focused environment while supporting staff, programs, and events across the division. As the first point of contact for our residents and guests, Customer Service Representatives provide frontline support by greeting patrons, answering questions, and promoting a positive experience at community and recreation facilities.
ServiceSourceNewCustomer Service Representative I ServiceSourceCustomer Service Representative ICapitol Heights, MDHowever, 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. Because ServiceSource hires the best people, we work hard to provide benefits that make their lives better, so we offer a comprehensive benefit program which features: Health coverage for you and your family through Medical, Dental, and Vision plans.
MaximusSpanish Bilingual Limited Service Customer Service Representative MaximusSpanish Bilingual Limited Service Customer Service RepresentativeTysons, VAFull timeMaximus 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. - Strong computer skills, including the ability to navigate and work in multiple systems including but not limited to call center software programs, Microsoft office and other CRM tools.
Atomic Promotions IncSales and Customer Service Representative Atomic Promotions IncSales and Customer Service RepresentativeArlington, VAFull timeWe are at the forefront of brand engagement and customer acquisition, consistently developing and implementing our clientele's latest and most advanced wireless technology by delivering and executing experiential customer service and sales campaigns. Execute residential sales campaigns on behalf of our telecommunications client in an effort to drive sales and create exciting customer experiences that drive satisfaction and long-term retention.
U-Haul International IncCustomer Service Representative U-Haul International IncCustomer Service RepresentativeOdenton, MDThe states in which U-Haul will decline to hire nicotine users are: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Pennsylvania, Texas, Utah, Vermont, Virginia, and Washington. Physical Demands: The work requires some physical exertion such as long periods of remaining stationary, moving around indoors and outdoors, positioning oneself to reach objects at varying heights and moving equipment weighing a minimum of 50 lbs.
SharecareNewDigital Health CSR: Impactful Customer Care SharecareDigital Health CSR: Impactful Customer CareAnnapolis, MDA digital health company based in Annapolis, Maryland, is seeking a Customer Service Representative (CSR) to handle inbound calls and provide high levels of customer service. Ideal candidates will have strong communication skills, the ability to multi-task, and prior customer service experience.
U HaulNewCustomer Service Representative U HaulCustomer Service RepresentativeHerndon, VACustomer Service Representative Minimum Qualifications:* Valid driver's license and ability to maintain a good driving record* High school diploma or equivalentWork Environment:The work involves moderate risks or discomforts which require special safety precautions, e.g., working around moving parts or machines, fumes or irritant chemicals. Physical Demands:The work requires some physical exertion such as long periods of remaining stationary, moving around indoors and outdoors, positioning oneself to reach objects at varying heights and moving equipment weighing a minimum of 50 lbs.
The Bowen Group - VEOCCCall Center Customer Service Supervisor, MD SC VA UT WV TN(VE260406921VA) The Bowen Group - VEOCCCall Center Customer Service Supervisor, MD SC VA UT WV TN(VE260406921VA)Chantilly, VAThe Customer Service Supervisor oversees a team of Customer Service Representatives (CSR) that provide front-line support for the Veterans Experience Office's White House VA Hotline contact center. In this role, you will provide coaching and leadership, answer escalated inquiries, refer customers directly to other VA hotlines, and perform intake for the VA's complaint management program.
Arlington CountyNewCustomer Service Representative (Front Desk) Arlington CountyCustomer Service Representative (Front Desk)Arlington, VAvia phone, in-person, and email; Conducting payment transactions via cash, check, and credit cards while adhering to the County's money handling procedures; Using RecTrac system for payments, program registrations, facility reservations, and to run facility event reports; Setting up/breaking down tables and chairs in Community rooms after use for meetings, events, etc; Assisting staff to ensure the center is open and closed properly; and . Desirable: Preference may be given to those with experience in one or more of the following: Front desk customer service; Working in recreation and/or a community center setting; Performing scheduling, facility reservation, registration, and payments using RecTrac or similar web-based system; and/or .
Rose InternationalNewCustomer Service Representative, Member Svc Call Center Jobs in USA, MD, Hyattsville | Rose International Job Rose InternationalCustomer Service Representative, Member Svc Call Center Jobs in USA, MD, Hyattsville | Rose International JobNorth Englewood, MD$19.57–$19.57 / hourTemporaryRose International has an official agreement (ID #132522), effective June 30, 2008, with the U.S. Department of Homeland Security, U.S. Citizenship and Immigration Services, Employment Verification Program (E-Verify). California Pay Equity: For information and details on pay equity laws in California, please visit the State of California Department of Industrial Relations' website here.
Liberty Military HousingCustomer Service Representative Liberty Military HousingCustomer Service RepresentativeDahlgren, VirginiaLiberty Military Housing is dedicated to helping our employees develop personally and professionally and provides an unprecedented 150+ hours of professional development annually to each employee-owner. Proficiency in personal computer skills, keyboard, Internet search, email correspondence, math, Microsoft Office, including Word, Excel, and other software applications preferred (i.e. Yardi, Payscan).
Caliber Collision CentersNewCustomer Service Representative Caliber Collision CentersCustomer Service RepresentativeArlington, VA$15–$18 / hourCaliber has grown beyond 1700 centers nationwide and features a full range of automotive services, including Caliber Collision, one of the nation's largest auto collision repair provider across 41 states; Caliber Auto Glass for glass repair and replacement, Protech Automotive Services for mobile diagnostic scanning and calibration, powered by hands-on experts and Caliber Fleet Services for all services, which includes collision repair and full-service auto care - offering you a holistic solution to fleet care. Caliber Collision has an immediate job opening for a Customer Service Representative to perform all-purpose duties, which may include, but not limited to greeting and providing extraordinary customer service to internal and external customers, monitoring work volume scheduled for the center and recommend load level requests when necessary, coordinating Rental Car/Tow companies to provide one-stop service to all customers while maintaining a broad knowledge base of insurance partner requirements regarding authorizations, billing and load level processes.
Michael Blakeley - State Farm AgentCustomer Service Representative - State Farm Agent Team Member Michael Blakeley - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberHerndon, VAAs a Customer Service Representative - State Farm Agent Team Member with Michael Blakeley - State Farm Agent, you will generate the kind of exceptional customer experiences that reinforce the growth of a successful insurance agency. You will enhance your career while resolving customer inquiries, coordinating with other agency team members, and anticipating the needs of the community members you support.
James Allen Jr. - State Farm InsuranceCustomer Service Representative James Allen Jr. - State Farm InsuranceCustomer Service RepresentativeLanham, MD$18–$20 / hourYou'll be instrumental in ensuring our clients receive the exceptional service they deserve, building lasting relationships grounded in trust and reliability. - State Farm Insurance in Lanham, Maryland, is seeking a warm and welcoming Customer Service Representative to join our dedicated team.
Midas CHANTILLY 3386Automotive Customer Service Representative Midas CHANTILLY 3386Automotive Customer Service RepresentativeCHANTILLY, VAIn this position ideal candidate will have the ability to multi task in a fast paced environment while maintaining a positive attitude and pleasant manner with Customer’s, Co-Workers & Owner. Auto Shop in Chantilly, VA seeks a Customer Service Representative to assist Manager with daily operations.
Jane Staples - State Farm AgentCustomer Service Representative - State Farm Agent Team Member Jane Staples - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberUpper Marlboro, MDHelping people: Provide exceptional service to clients, both new and existing – making sure they get the best coverage for their needs. We're a tight-knit, fun-loving team that believes in hard work, but we also know how to have a good time while making a difference!
Kolb Electric, IncCustomer Service Representative Kolb Electric, IncCustomer Service RepresentativeLorton, VA$38,000We have provided award winning electrical design, repairs, installation, and customer service for 100 years, and we are seeking experienced Customer Service Representatives to be a critical part of our fast-paced and quality-driven electrical service business. Our high-energy, team-oriented environment provides excellent career opportunities for professional and personal growth, as this position can lead to additional opportunities within our supportive organization.
Maravai LifeSciencesSenior Customer Service Representative Maravai LifeSciencesSenior Customer Service RepresentativeSterling, VAMaravai LifeSciences translates extraordinary science into everyday miracles, helping biotech, biopharma, and life sciences companies everywhere deliver novel vaccines, therapeutics, and diagnostics. Serving as a critical interface between customers, Sales, Operations, and Finance, this role ensures accurate order processing, timely fulfillment, pricing integrity, and proactive issue resolution aligned with the Glen Research brand.
Carroll WaterNewLead Generator / Customer Service Representative - Brand Ambassador Carroll WaterLead Generator / Customer Service Representative - Brand AmbassadorSpringfield, VA$20–$20 / hour
American Income Life Insurance CompanyCustomer Service Representative - Remote Work - Great Benefits American Income Life Insurance CompanyCustomer Service Representative - Remote Work - Great BenefitsWashington, DCRemoteFull timeWe are looking for an individual with great customer service skills for one of the main supplemental benefits companies in the nation for over 65 years! Develop and maintain a knowledge base of the evolving products and services.
Bob MooreNewCustomer Service Representative Bob MooreCustomer Service RepresentativeWashington, DCWhile performing the duties of this job, the employee is regularly required to stand; walk and talk or hear The employee is frequently required to sit; use hands to feel; reach with hands and arms; climb or balance and stoop, kneel or crouch The employee must regularly lift and/or move up to 25 pounds Specific vision abilities required by this job include close vision and distance vision Must be able to pass a drug/alcohol urinalysis and be able to drive a vehicle Working Conditions The work environment characteristics described here are representative of those one may encounter while performing the essential functions of this job. Enforce safety precautions specific to work area Other responsibilities as assigned Minimum Qualifications The requirements listed below are the minimum degrees, certifications, knowledge, skill, and/or ability required of this position.
Glen ResearchSenior Customer Service Representative Glen ResearchSenior Customer Service RepresentativeSterling, VAMaravai LifeSciences translates extraordinary science into everyday miracles, helping biotech, biopharma, and life sciences companies everywhere deliver novel vaccines, therapeutics, and diagnostics. Serving as a critical interface between customers, Sales, Operations, and Finance, this role ensures accurate order processing, timely fulfillment, pricing integrity, and proactive issue resolution aligned with the Glen Research brand.
IAP Worldwide ServicesCustomer Service Representative IAP Worldwide ServicesCustomer Service RepresentativeMcLean, VAFull timeAs a world-class leader in providing seasoned program management, IAH leverages and integrates its capabilities to provide safe, innovative, and reliable solutions to meet customers' diverse and complex challenges. ("IAH" and/or "Company") and its affiliates, including but not limited to IAP World Services, Inc., Readiness Management Support L.C., JPATS Logistics Services, LLC., and subsidiaries is an EOE, including disability/vets.
Universal Energy SolutionsCustomer Service Representative - Weekly Pay - Washington DC Universal Energy SolutionsCustomer Service Representative - Weekly Pay - Washington DCWashington, DC$55,000–$65,000In this pivotal role, you will act as the main point of contact for our esteemed customers in the DC area, ensuring their needs are met with outstanding service. In this role, you’ll handle customer inquiries while identifying opportunities to promote products and services, build client relationships, and close sales.
Diamond K Services Inc.Outside Customer Service Representative Diamond K Services Inc.Outside Customer Service RepresentativeFairfax, VA$600–$900 / weekBy clicking the apply button you understand that you are not applying to Fish Window Cleaning but rather an independent company that does business as Fish Window Cleaning. Job Summary: Outside Customer Service Representative is responsible for window cleaning for our commercial and residential customers .
Yvette Schuler - State Farm AgentCustomer Service Representative - State Farm Agent Team Member Yvette Schuler - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberAlexandria, VAAs a Customer Service Representative - State Farm Agent Team Member with Yvette Schuler - State Farm Agent, you will generate the kind of exceptional customer experiences that reinforce the growth of a successful insurance agency. You will enhance your career while resolving customer inquiries, coordinating with other agency team members, and anticipating the needs of the community members you support.
Encore Vet GroupNewCustomer Service Representative - Alexandria Animal Hospital of Fort Hunt Encore Vet GroupCustomer Service Representative - Alexandria Animal Hospital of Fort HuntAlexandria, VAOur hospitals maintain the culture and atmosphere of a private veterinary practice while gaining access to collective resources and veterinary business management expertise to help lead their teams forward and shape their future. Cutting-Edge Care with Heart - Our full-service hospital offers advanced medicine and services like wellness care and surgery, all delivered with genuine compassion.
Tom Troyano - State Farm AgentCustomer Service Representative - State Farm Agent Team Member Tom Troyano - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberWashington, DCAs a Customer Service Representative - State Farm Agent Team Member with Tom Troyano - State Farm Agent, you will generate the kind of exceptional customer experiences that reinforce the growth of a successful insurance agency. You will enhance your career while resolving customer inquiries, coordinating with other agency team members, and anticipating the needs of the community members you support.
Paul Dougherty - State Farm AgentCustomer Service Representative - State Farm Agent Team Member Paul Dougherty - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberHyattsville, MDAs a Customer Service Representative - State Farm Agent Team Member with Paul Dougherty - State Farm Agent, you will generate the kind of exceptional customer experiences that reinforce the growth of a successful insurance agency. You will enhance your career while resolving customer inquiries, coordinating with other agency team members, and anticipating the needs of the community members you support.
Johnson Insurance Group, Inc - Allstate InsuranceCustomer Service Representative Johnson Insurance Group, Inc - Allstate InsuranceCustomer Service RepresentativeWaldorf, MDAs a Customer Service Representative, you will be a key point of contact for our clients, providing timely and accurate information while ensuring a positive customer experience. This role involves addressing inquiries, resolving issues, and offering support on a variety of insurance-related matters.
ARCELI BROWN - State Farm AgentCustomer Service Representative - State Farm Agent Team Member ARCELI BROWN - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberSPRINGFIELD, VAAs a Customer Service Representative - State Farm Agent Team Member with ARCELI BROWN - State Farm Agent, you will generate the kind of exceptional customer experiences that reinforce the growth of a successful insurance agency. You will enhance your career while resolving customer inquiries, coordinating with other agency team members, and anticipating the needs of the community members you support.
David Munson AgencyCustomer Service Representative - State Farm Agent Team Member David Munson AgencyCustomer Service Representative - State Farm Agent Team MemberBethesda, MDAs a Customer Service Representative - State Farm Agent Team Member with David Munson Agency, you will generate the kind of exceptional customer experiences that reinforce the growth of a successful insurance agency. You will enhance your career while resolving customer inquiries, coordinating with other agency team members, and anticipating the needs of the community members you support.
Stephanie Hernandez - State Farm AgentCustomer Service Representative - State Farm Agent Team Member Stephanie Hernandez - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberAlexandria, VAAs a Customer Service Representative - State Farm Agent Team Member with Stephanie Hernandez - State Farm Agent, you will generate the kind of exceptional customer experiences that reinforce the growth of a successful insurance agency. You will enhance your career while resolving customer inquiries, coordinating with other agency team members, and anticipating the needs of the community members you support.
Jennifer Respress - State Farm AgentCustomer Service Representative - State Farm Agent Team Member Jennifer Respress - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberReston, VAAs a Customer Service Representative - State Farm Agent Team Member with Jennifer Respress - State Farm Agent, you will generate the kind of exceptional customer experiences that reinforce the growth of a successful insurance agency. My husband now works with the Department of Energy here in the DC area, and I’m proud of my two daughters-one currently in medical school after graduating from George Mason University, and the other enjoying high school and spending time horseback riding.
James Brown - State Farm AgentCustomer Service Representative - State Farm Agent Team Member James Brown - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberSuitland, MDSuccessful State Farm Agent is seeking a qualified professional to join their winning team for the role of Customer Service 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.