Senior Third Party Risk Management Analyst United Nations Federal Credit UnionSenior Third Party Risk Management AnalystNew York, NY$105,000 / yearFull timeSupport the TPRM framework to ensure alignment with organizational objectives and regulatory requirements, with primary responsibility for tracking of end to end third party risk assessment process, which includes risk reviews, documenting findings in the risk register, coordinating follow-ups with the third parties and the business unit owners, and facilitating the collaboration and documentation of the related risk acceptance with the business unit owner.• • Collaborate with business unit owners to communicate findings, develop risk mitigation strategies, and provide insights that support the TPRM Framework.• Support ongoing monitoring and risk-remediation activities by assisting in tracking vendor exceptions and issues, updating risk profiles, and documenting remediation steps.•
NewMerchant Risk Analyst Vaco LLCMerchant Risk AnalystNew York, NYRemote$28–$30 / hourDetermining 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. With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure.
VP Financial and Strategic Risk Management United Nations Federal Credit UnionVP Financial and Strategic Risk ManagementNew York, New York$200,000–$225,000 / yearFull timeProvide second-line oversight of key financial risks, including capital, liquidity, interest rate, credit, and funding risks, while overseeing KRIs and risk metrics to ensure alignment with risk appetite, consistent reporting, and timely escalation of threshold breaches. • Ensure risk appetite statements are supported by clearly defined KRIs, limits, measurable thresholds, and escalation protocols, while independently challenging first-line activities to confirm alignment between risk appetite and actual risk-taking.
NewGlobal AMLS Data Analyst United Nations Federal Credit UnionGlobal AMLS Data AnalystNew York, New York$90,390–$100,000 / yearFull timeUse analysis tools to query data repositories and generate reports; compile reports to help GAMLS management make business decisions by identifying trends and patterns in stored operational data found in data warehouses or isolated business databases. • Continuously expand knowledge of UNFCU data management systems, maintain documentation, stay current on BSA industry trends, and provide guidance to end users on available self-service tools.
NewSenior Credit Analyst Vaco LLCSenior Credit AnalystNew York, NY$120,000–$150,000 / yearDetermining 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. With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure.
NewProgrammatic Yield Analyst Vaco LLCProgrammatic Yield AnalystNew York City, NY$65,000–$75,000 / yearDetermining 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. The Digital Programmatic Campaign Trader is responsible for managing, monitoring, and optimizing digital advertising campaigns to maximize campaign performance, revenue, and return on investment (ROI).
Vice President / Director, Credit Analyst (Mortgage Sector) AxelonVice President / Director, Credit Analyst (Mortgage Sector)New York, NY$65–$72 / hourServe as a technical subject-matter expert on agency residential and commercial MBS, TBA, CMO, and DUS products for the Institutional Credit Analyst Team, Sales, and Trading teams. Collaborate with internal stakeholders, including coverage bankers, business lines, and risk teams, to provide credit expertise and support.
NewMid and Senior Level Credit Analysts Vaco LLCMid and Senior Level Credit AnalystsNew York, NY$110,000–$150,000 / yearDetermining 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.
Reinsurance Analyst - Ceded Treaty Focus - Hybrid Kforce Inc.Reinsurance Analyst - Ceded Treaty Focus - HybridNew York, NY$190,000–$250,000Work in partnership with Global Commercial Casualty Underwriting, Finance, Actuarial, and Claims to collect and analyze data, risk profiles, loss history, and submission information. Employee pay is based on factors like relevant education, qualifications, certifications, experience, skills, seniority, location, performance, union contract and business needs.
Portfolio Analyst ECLAROPortfolio AnalystWHITE PLAINS, NY$45–$50 / hourPrepares portfolio level analysis and reporting of financial control, resource utilization, risk, change management, benefits, unplanned work, etc., compares planned versus actual/forecasted, and examines the impact to the overall business. Responsibilities: Assist in reviewing that projects and programs progress from initiation to closeout and review that the investments and initiatives achieve alignment with organizational asset investment strategies, financial targets, and benefits.
Administrative/Quality Assurance Analyst AxelonAdministrative/Quality Assurance AnalystNew York, NY$50–$70 / hour3+ years of project management experience; ability to plan and lead projects, facilitate project scope, develop project plans, manage timelines, and provide direction and support to project teams. Maintain a central repository of all hospital survey activity and provide key reports to leadership.
Network Analyst ECLARONetwork AnalystWHITE PLAINS, NY$55–$60 / hourIT Network Services team has several Digitization projects and work efforts in 2023 including, but not limited to: Digital Worker Connect (DW Connect) Communications Back Bone Project Core IT infrastructure LEM Client Cloud migration activities Upgrade Operations Turrets & Call manager BAU activities including the IT Switch Refresh and Patch management. Expert Knowledge of CISCO WLC environment including 5500,2504,9800 WLC Expert knowledge in design and implementation of highly complex networks.
DocuSign Analyst ECLARODocuSign AnalystWhite Plains, NYProject Overview: The DocuSign CLM Analyst will support the Enterprise Business Systems team within the EPMO by providing day to day functional and technical support for DocuSign CLM and related contract lifecycle management technologies. Develop and deliver comprehensive end user training for DocuSign CLM, including creation of training materials, job aids, demonstrations, and ongoing reinforcement sessions to support adoption and proficiency across business units.
Technical Product Owner Pinnacle Technical ResourcesTechnical Product OwnerNew York, New York$55–$65 / hourContractorThe specific compensation for this position will be determined by a number of factors, including the scope, complexity and location of the role as well as the cost of labor in the market; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Job Description: Proficient in knowledge of business applications, data usage and word processing, data management tools and flow-charting tools.
Technical Business Analyst-Credit Risk/Counterparty Risk Experience ConfidentialTechnical Business Analyst-Credit Risk/Counterparty Risk ExperienceNew York, NYContractorp tabindex="0">We are seeking a seasoned Counterparty Credit Risk (CCR) Technical Business Analyst to support stability, enhancement, and continuous improvement of technology platforms serving Exposure Management (EM), Credit Risk Reporting (CRR), Risk Analytics (RA), Front Office, and Regulatory Reporting functions.
Director, Senior Counsel - CLOs & Securitization Page Group USADirector, Senior Counsel - CLOs & SecuritizationNew York, NY$290,000–$315,000 / yearFull timeDeep expertise in Collateralized Loan Obligations (CLOs), including warehouse financings, new issuances, refinancings, resets, amendments, and ongoing transaction management, with a strong understanding of applicable market practices, transaction structures, and regulatory considerations. Draft, review, and negotiate documentation for CLO transactions, coordinating closely with bankers, structurers, portfolio managers, trustees, collateral managers, rating agencies, investors, and external counsel.
NewWealth Advisor - PNC Wealth Management PNC Financial Services GroupWealth Advisor - PNC Wealth ManagementFort Lee, NJ$75,000–$125,000 / yearIn addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
Credit Analyst Oversea-Chinese Banking Corporation LimitedCredit AnalystNew York, NY$101,250–$120,000 / yearFull timePartner with Loan Administration and outside counsel in the preparation, review, and approval of loan documentation to ensure the documents meet agreed upon business terms and satisfy the specific requirements of the appropriate credit approval authority. Assist in the presentation of fully completed and analyzed credit approval memos for submission to the bank's credit risk managers.
Senior Operations Risk Analyst - Enterprise Risk Management Bethpage Federal Credit UnionSenior Operations Risk Analyst - Enterprise Risk ManagementBethpage, NY$40.41–$48.50 / hourOperations Risk Analyst - Enterprise Risk Management provides critical support to the Risk Leadership team in the development, implementation and execution of the strategy, processes and tools necessary to operationalize and enhance the Credit Unions Enterprise Risk Management ("ERM") framework. Some of our recent recognitions include Certified Great Place to Work 2024-2025, America's Greatest Midsize Workplaces 2025, Quantum Workplace Employee Voice Award 2024, and Fortune's Best Workplaces in Financial Services & Insurance 2024.
Deal Review & Risk Analyst Initio CapitalDeal Review & Risk AnalystNew York, NY$50–$200We serve fund managers, investors, operators, and finance professionals across private markets by integrating deal flow, transaction review and risk analysis talent, investor relations, networking, training, and job placement into a single platform. Former investment banking, private equity, venture capital, private credit, risk management, or senior consulting professionals with 5+ years of transaction and risk evaluation experience.
NewSenior Risk Analyst - 2LoD Controls Testing and Oversight The Toronto-Dominion BankSenior Risk Analyst - 2LoD Controls Testing and OversightNew York, NY$72,280–$117,520 / yearPreferred Experience/Qualifications: Execute independent 2LoD testing in the following areas: Control Design & Operating Effectiveness, Transactions Testing, Data Reconciliations, Logic Reperformance, Data Profiling/Analytics, End-User Computing (EUC) Review, Policy & Procedure Review, Governance/Oversight, and Regulatory Rule Compliance. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
NewPortfolio Risk Analyst Initio CapitalPortfolio Risk AnalystNew York, NY$145,000–$185,000These roles involve collaboration with portfolio managers, investment strategists, and senior leadership to ensure effective risk management frameworks are applied and adhered to across portfolios. Portfolio Risk Analysts support investment teams by analyzing, monitoring, and managing portfolio-level risk exposures across multiple asset classes and strategies.
NewRisk Analyst - 2LoD Controls Testing and Oversight The Toronto-Dominion BankRisk Analyst - 2LoD Controls Testing and OversightNew York, NY$61,880–$99,320 / yearPreferred Experience/Qualifications: Execute independent 2LoD testing in the following areas: Control Design & Operating Effectiveness, Transactions Testing, Data Reconciliations, Logic Reperformance, Data Profiling/Analytics, End-User Computing (EUC) Review, Policy & Procedure Review, Governance/Oversight, and Regulatory Rule Compliance. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
Private Capital Risk Analyst Career Launch AIPrivate Capital Risk AnalystNew York, NY$140,000–$185,000Private Capital Risk Analysts support investment teams by identifying, measuring, and monitoring risks across private capital portfolios. The role combines quantitative analysis, financial modeling, and operational oversight to help ensure portfolio stability, regulatory compliance, and alignment with investment objectives.
Financial Crime Risk Analyst II, KYC The Toronto-Dominion BankFinancial Crime Risk Analyst II, KYCNew City, NY$29.75–$47.75 / hourTotal Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Employee/Team Accountabilities: Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues / points of interest.
Portfolio Risk Analyst Career Launch AIPortfolio Risk AnalystNew York, NY$140,000–$185,000This role involves collaboration with portfolio managers, risk managers, operations teams, and senior leadership to identify, measure, and mitigate potential risks across the portfolio. It is intended to help job seekers understand the responsibilities and qualifications typically associated with early-career roles in portfolio risk management, asset monitoring, and investment analytics.
Investment Risk Analyst – PE Career Launch AIInvestment Risk Analyst – PENew York, NY$140,000–$185,000Lower middle-market private equity firms within our network may seek analytically strong Investment Risk Analysts to support pre-investment risk assessment, downside modeling, and ongoing portfolio risk monitoring . The role partners closely with investment teams, portfolio operations, and senior leadership to ensure disciplined underwriting, strong governance, and informed capital allocation decisions.
Commercial Portfolio Risk Analyst Horizon BancorpCommercial Portfolio Risk AnalystNY$8–$10 / hourThe Commercial Portfolio Risk Analyst is responsible for independent monitoring and analysis of the Bank's commercial loan portfolio, with emphasis on CRE concentration management, NAICS industry exposure, stress testing, construction loan risk oversight, and Allowance for Credit Losses (ACL/CECL) support. Responsible for independent monitoring and analysis of the Bank's commercial loan portfolio, with emphasis on CRE concentration management, NAICS industry exposure, stress testing, construction loan risk oversight, and Allowance for Credit Losses (ACL/CECL) support.
NewInfrastructure & Operational Risk Analyst - ISO Focus AZH ConsultingInfrastructure & Operational Risk Analyst - ISO FocusNew York, NY$95,000–$125,000 / yearA growing consultancy firm in New York is seeking a Risk Analyst specializing in Infrastructure & Operational Risk Management. The ideal candidate will develop risk registers, conduct risk simulations, and coordinate mitigation strategies for public projects.
Senior Market Risk Analyst Axelon Services CorporationSenior Market Risk AnalystJersey City, NJ$84–$89 / hourCollaborate with Front Office, Risk Managers, and Technology partners to define and enforce risk limits, providing actionable insights on volatility and hedging strategies. Collaborate closely with Risk Managers, Quants, Front Office traders, and technology teams to ensure risk systems meet business needs.
Risk Analyst Vendor Management Trident ConsultingRisk Analyst Vendor ManagementTeaneck, NJRemoteSince 2005, we've partnered with Fortune 500 and high-growth companies to deliver high-quality talent across technology, engineering, business operations, and professional services. We specialize in contract, contract-to-hire, and direct hire placements, supporting roles across IT, data & analytics, cloud, cybersecurity, finance & accounting, HR, operations, and more.
Principal Product Operations and Risk Analyst Circle Internet Financial LLCPrincipal Product Operations and Risk AnalystNYRemote$185,000–$237,500 / yearThe role supports the overall Enterprise Risk Management (ERM) Program's goal of maintaining and growing Circle's resiliency by identifying, assessing, and preparing its operations for any internal and external factors and risks that could interfere with reaching its goals and objectives. Circle's platform includes the world's largest regulated stablecoin network anchored by USDC, Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain designed to become the Economic OS for the internet.
Investment Risk Analyst New York Life Insurance CoInvestment Risk AnalystNY$93,000–$133,000 / yearThe Investment Risk Analyst will support investment analysis, manager due diligence, proactive risk management and ongoing portfolio review across a broad range of strategies, with a primary focus on private markets and less liquid investments. Experience with company level valuation and financial analysis is a plus, including interpreting financial statements, assessing value drivers, and translating downside risks into monitoring questions.
Risk Analyst TKO Group Holdings, Inc.Risk AnalystNYIt powers growth of revenues, fanbases and IP for more than 200 federations, associations, events, and teams, including the National Football League, English Premier League, International Olympic Committee, National Hockey League, Major League Soccer, ATP and WTA Tours, the AELTC (Wimbledon), Euroleague Basketball, CONMEBOL, DP World Tour, and The R&A, as well as UFC, WWE, and PBR. Who We Are: IMG is a leading global sports marketing agency, specializing in media rights management and sales, multi-channel content production and distribution, brand partnerships, strategic consulting, digital services, and events management.
Counterparty Risk Analyst (Credit Analyst) QcellsCounterparty Risk Analyst (Credit Analyst)Teaneck, NJFull timeHeadquartered in Irvine, California, HQCA has been rapidly expanding its business in North America through the expansion of products and solutions, including distributed energy solutions, direct-to-homeowner solar sales and financing, and EPC services. Demonstrated track record of successfully working on multiple projects and activities at one time; must possess ability to work effectively under pressure, meet strict deadlines, and complete assignments with little oversight.
Claims & Risk Analyst HelloFresh SEClaims & Risk AnalystNY$68,040–$72,900 / yearYou'll play a key role in keeping the function running efficiently by owning intake, tracking, and routine follow-ups, while partnering closely with the broader risk management team on escalations and decision-making. Monitor and support claims throughout the lifecycle by handling routine follow-ups, identifying aging or high-risk claims, and coordinating with adjusters to ensure timely progression.
NewFinancial Risk Analyst Initio CapitalFinancial Risk AnalystNew York, NY$145,000–$185,000It is provided to help job seekers understand the responsibilities and qualifications typically associated with early-career financial risk, investment risk, and strategic finance roles. This job description represents a sample Financial Risk Analyst position commonly found through the Career Launch AI Talent Network .
Senior Market Risk Analyst AxelonSenior Market Risk AnalystJersey City, NJ$84–$89 / hourCollaborate with Front Office, Risk Managers, and Technology partners to define and enforce risk limits, providing actionable insights on volatility and hedging strategies. Collaborate closely with Risk Managers, Quants, Front Office traders, and technology teams to ensure risk systems meet business needs.
Technical Business Analyst - Credit Risk/Counterparty Risk Experience Compu-Vision Consulting Inc.Technical Business Analyst - Credit Risk/Counterparty Risk ExperienceNew York City, NY$640–$650 / dayWe are seeking a seasoned Counterparty Credit Risk (CCR) Technical Business Analyst to support stability, enhancement, and continuous improvement of technology platforms serving Exposure Management (EM), Credit Risk Reporting (CRR), Risk Analytics (RA), Front Office, and Regulatory Reporting functions. Drive hands-on root cause analysis (RCA) for impactful incidents such as calculation breaks, data validation/reconciliation issues, ensuring recurring issues are eliminated through permanent fixes rather than short term workarounds.
NewQuantitative Risk Analyst Initio CapitalQuantitative Risk AnalystNew York, NY$145,000–$185,000It is provided to help job seekers understand the responsibilities and qualifications typically associated with quantitative risk roles that blend analytics, statistics, and finance. This job description represents a sample Quantitative Risk Analyst position commonly found through the Career Launch AI Talent Network .
NewInvestment Risk Analyst Initio CapitalInvestment Risk AnalystNew York, NY$145,000–$185,000It is provided to help job seekers understand the responsibilities and qualifications typically associated with early-career investment risk and portfolio analysis roles. This job description represents a sample Investment Risk Analyst position commonly found through the Career Launch AI Talent Network .
Electronic and Algorithmic Trading Risk Analyst/Associate Nomura Holdings IncElectronic and Algorithmic Trading Risk Analyst/AssociateNY$90,000–$125,000 / yearBy connecting markets East & West, Nomura services the needs of individuals, institutions, corporates and governments through its three business divisions: Wealth Management, Investment Management, and Wholesale (Global Markets and Investment Banking). Department overview The Electronic and Algorithmic Trading (EAT) Risk Management teams sits within the Market Risk function and is responsible for developing and operating the Global EAT Risk Framework.
Cybersecurity Risk Analyst II Clear Secure IncCybersecurity Risk Analyst IINew York, NY$119,000–$140,000 / yearExamples of reasonable accommodation include, but are not limited to, time off, extra breaks, making a change to the application process or work procedures, policy exceptions, providing documents in an alternative format, live captioning or using a sign language interpreter, or using specialized equipment. Partnering closely with Engineering, Product, Legal, Privacy, and Security teams, you''ll influence risk-based decisions that protect millions of members while enabling secure innovation across CLEAR''s identity platform.
Market Risk Analyst StratAcuity Staffing Partners IncMarket Risk AnalystJersey City, NJ$68–$73.68 / hourThe position involves building subject matter knowledge on Market Risk exposure management for the Global Markets business across all asset classes and having delivery responsibility for funded initiatives driving the build-out of a next-generation Market Risk technology stack. In terms of professional development, Apex hosts an on-demand training program, provides access to certification prep and a library of technical and leadership courses/books/seminars once you have 6+ months of tenure, and certification discounts and other perks to associations that include CompTIA and IIBA.
Gas Risk Analyst Nscale ASGas Risk AnalystNY$100,000–$140,000 / yearBased in Houston and reporting into Nscale''s energy team, you will partner closely with the Gas Supply Manager, Trading, Finance, and Operations functions to model exposures, run scenarios, support hedge execution, and produce the reporting our leadership and counterparties rely on. At full build-out, Monarch is engineered to deliver multi-gigawatt, off-grid power to support the world''s most demanding AI training and inference workloads, anchored by an MOU with Microsoft for 1.35 GW of capacity using NVIDIA Vera Rubin NVL72 GPUs.
Quantitative Risk Analyst FidelityQuantitative Risk AnalystJersey City, New JerseyRemoteThe Quantitative Risk Analyst will work on a cross-functional team responsible for evaluating market, financial, and operational risks; validating quantitative models; assessing private and complex asset valuations; evaluating the effectiveness of risk management models and tools; communicating issues and findings to management; and devising solutions for continual business improvements. Please be advised that Fidelity’s business is governed by the provisions of the Securities Exchange Act of 1934, the Investment Advisers Act of 1940, the Investment Company Act of 1940, ERISA, numerous state laws governing securities, investment and retirement-related financial activities and the rules and regulations of numerous self-regulatory organizations, including FINRA, among others.
Risk Analyst Morgan StanleyRisk AnalystNY$75,000–$95,000 / yearOur values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. The cornerstone of Morgan Stanley''s risk management philosophy is the execution of risk-adjusted returns through prudent risk-taking that protects Morgan Stanley''s capital base and franchise.
Risk Analyst Argo Group International Holdings IncRisk AnalystNew York City, NY$77,500–$102,000 / yearThe Analyst partners cross-functionally with the various departments of Clearbrook Group to enhance risk visibility, strengthen control effectiveness, and support risk-informed decision making. Support enterprise-wide risk identification and assessment processes, including Risk and Control Self-Assessments (RCSAs), risk registers, and emerging risk identification.
NewQuantitative Systematic Portfolio Strategist & Risk Analyst Schonfeld Strategic Advisors LLC DefunctQuantitative Systematic Portfolio Strategist & Risk AnalystNew York, NY$150,000–$180,000 / yearSchonfeld Strategic Advisors LLC is seeking a Systematic Portfolio Strategy and Risk Analyst to enhance portfolio analysis, research, and risk management. The role offers a competitive salary range of $150,000 to $180,000 and encourages a culture of learning and innovation.#J-18808-Ljbffr.
Risk Analyst I Priority Technology Holdings, Inc.Risk Analyst IHicksville, NY$28–$30 / hourAbout Priority: Priority Technology Holdings, Inc. is a leading financial technology company on a mission to deliver a personalized, easy-to-adopt financial toolset that accelerates cash flow and optimizes working capital for businesses. About the Role: A Risk Analyst is tasked with evaluating potential risks and uncertainties that an organization may face and developing strategies to minimize or manage these risks effectively.