Jobs in Deptford

Description

• Top Earners Average: $1,700 - $2,000 per week
• Average $1,500 to $1700 Weekly
  • $1,400 Guaranteed Weekly Minimum

• $2,000 for prior tanker experience
• $1,000 for no tanker experience

• Home Weekends - We respect your time at home.
• Excellent Benefits - Available within 30 days (Medical, Vision, and Dental).
• No-Slip Seating - Job security with steady work.

• $2,000 Sign-On Bonus for tanker experience (or $1,000 for no tanker experience).
• Average Pay: $1,500 to $1,700 weekly
• $1,400 Weekly Minimum Guaranteed
• Wage Range: $1,400 to $1,700 Weekly
• 401(k) with Company Match
• Paid Vacation & Holidays
• Safety Bonus
• Company-Paid Life Insurance
• Short/Long-Term Disability
• Home Weekends

• This is a Regional position hauling Admix, a specialty liquid product.
• Follow this link to a short video of one of our admix drivers discussing his experience hauling Admix for Venezia: you are a seasoned Tanker Driver, with us, that experience pays! Higher Rates and Vacation Seniority available!
• No travel into Manhattan in NYC

• Venezia is family-owned and operated, which means that every driver that runs with us is a part of that family.
• We take action to ensure equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or other legally protected characteristic.

• Must have 1 Year Class A Driving Exp in the last 3 years
• You must have a TANK endorsement.
• No DUI in the last 5 years
• No Careless in the last 3 years
• No Reckless in the last 5 years

Required

Preferred

Job Industries

• Transportation

We’re building a world of health around every individual — shaping a more connected, convenient and compassionate health experience. At CVS Health®, you’ll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger – helping to simplify health care one person, one family and one community at a time.

Company: Oak Street Health

Title: Medical Scribe (Clinical Informatics Specialist)

Location: 6232 Market St, Philadelphia, PA 19139

**Now Offering $1,000 Sign-On Bonus**

Role Description:

The purpose of a Clinical Informatics Specialist (CIS or Medical Scribe) at Oak Street Health is to support our primary care providers with clinical documentation so that they can focus on providing exceptional care to our patients. Scribes assist providers throughout the patient care journey - huddling each morning to plan for the day's visits, joining them in the exam room to observe and document, and touching base after the visit to assist with next steps.

Beyond the typical Scribe role, these important care team members serve as clinical documentation assistants to their paired provider. Internally, we call them CISs (Clinic Informatics Specialists) in recognition of their important role in supporting accurate, specific, and timely clinical documentation. In addition to observing and documenting all patient encounters in real time, our Scribes become experts in our value-based care model and the documentation and care of chronic conditions, including ICD-10 and CPT coding. Scribes use this expertise to help providers identify and help close care gaps. Scribes receive extensive on-the-job training in clinical workflows, value-based medicine, preventative care for chronic conditions, accurate and specific documentation, population health data streams, and team based care.

Because our patients and providers rely on our Scribes, the ideal candidate should commit at least 1-2 years to this role. This is an excellent opportunity for pre-med track individuals looking to gain practical, paid experience in a clinical setting before applying to an MD/DO/PA/NP program, as well as those pursuing careers in Health Informatics, Public Health, Healthcare Administration, Medical Coding, and other related fields.

Responsibilities:

• Documenting Patient Encounters ~ 80%

  • Joining the provider in the exam room to observe patient visits

  • Documenting patient encounters in a structured note, including the history of the present illness, assessment, plan, and physical exam

  • Assigning appropriate CPT and ICD-10 codes

  • Preparing After Visit Summaries

  • Consulting with provider to ensure accurate and specific documentation

• Clinical Documentation Improvement ~ 10%

  • Requesting and reviewing medical records

  • Leveraging Oak Street's population health tools to support clinical documentation improvement

  • Preparing for and supporting Daily Huddles and Clinical Documentation Reviews

  • Consulting with provider on clinical documentation opportunities

• Administrative support for your provider and care team ~ 10%

  • Placing orders and referrals

  • Addressing tasks

  • Supporting the care team with additional responsibilities related to clinical documentation

• Other administrative duties as assigned

Role Requirements:

• At least 1 year of Scribe experience, or past employment in a role that required fast-paced transcription with a focus on accuracy.

• Must commit a minimum of 1 year to the position, though 2 or more years is strongly preferred. 

• Minimum typing speed of 55 WPM, though 70+ WPM is strongly preferred.

• Knowledge of medical terminology and common medications

• Prior clinical experience, including shadowing and/or volunteering

• Advanced listening and communication skills.

• Strong computer literacy and ability to learn new technical workflows

• Ability to work well on your own as a self-starter, as well as the willingness to take direction and be a member of the team.  

• Ability to adapt to new workflows and to quickly learn new concepts and skills, especially when working with a paired provider’s processes and procedures

• Excellent job attendance, including the ability to work in-person within the clinic for approximately 40-45 hours per week. This is a full-time position with predictable hours and break times.

• Compliance with hospital and Oak Street Health policies, including HIPAA

• Fluency in another language is not required, but is a plus when it comes to connecting with our diverse patient communities.

• US work authorization.

Anticipated Weekly Hours

Time Type

Pay Range

The typical pay range for this role is:

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls.  The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors.  This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above. 
 

Our people fuel our future. Our teams reflect the customers, patients, members and communities we serve and we are committed to fostering a workplace where every colleague feels valued and that they belong.

Great benefits for great people

We take pride in our comprehensive and competitive mix of pay and benefits – investing in the physical, emotional and financial wellness of our colleagues and their families to help them be the healthiest they can be. In addition to our competitive wages, our great benefits include:

• Affordable medical plan options, a 401(k) plan (including matching company contributions), and an employee stock purchase plan.

• No-cost programs for all colleagues including wellness screenings, tobacco cessation and weight management programs, confidential counseling and financial coaching.

• Benefit solutions that address the different needs and preferences of our colleagues including paid time off, flexible work schedules, family leave, dependent care resources, colleague assistance programs, tuition assistance, retiree medical access and many other benefits depending on eligibility.

For more information, visit  anticipate the application window for this opening will close on: 04/12/2026

Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.

Job Title : Nuclear Engineer (Naval Reactors Engineer) Category / Component : Officer • Active Overview Design, regulate, and oversee the Navy's nuclear propulsion program, including reactor design, fleet operations, and eventual defueling and decommissioning of nuclear powered ships and submarines from Naval Reactors Headquarters and associated Department of Energy laboratories and shipyards.

Key Responsibilities Provide technical direction in areas such as reactor and fluid systems design, reactor physics, materials development, component design for steam generators, pumps, and valves, instrumentation and control for reactor and propulsion plants, testing and quality control, radiation shielding, and chemistry and radiological controls; review designs and analyses from laboratories, shipyards, and industry partners; coordinate with fleet units to ensure safe and reliable nuclear plant operation.

What to Expect Assume significant technical responsibility early in your career as part of a lean headquarters staff; work primarily in an analytical and oversight role rather than operating plants at sea; balance long term engineering projects with time sensitive fleet and shipyard issues; frequent coordination with senior civilian engineers, naval officers, and technical teams; high expectations for attention to detail, judgment, and written and oral communication.

Work Environment Work mainly at Naval Reactors Headquarters in the Washington, District of Columbia area with regular engagement with Department of Energy laboratories, nuclear training sites, shipyards, and nuclear powered ships and submarines; office based work that includes document reviews, technical meetings, inspections, and site visits rather than day to day shipboard watchstanding.

Pathways, Training & Advancement Officer commissioning through programs such as Officer Candidate School or the Nuclear Propulsion Officer Candidate program followed by a structured technical qualification program at Naval Reactors; rotational exposure to laboratories, prototypes, shipyards, and fleet support issues; progressive responsibility leading projects and becoming a subject matter expert, with opportunities for professional military education and advanced graduate study in technical fields.

Entry through the Nuclear Propulsion Officer Candidate program for qualified college students and recent graduates, or selection via Officer Candidate School for those who already hold qualifying degrees; all applicants must meet Nuclear Propulsion Program academic and technical screening standards in addition to general officer commissioning requirements.

Qualifications All Navy jobs require meeting general enlistment or commissioning standards, which typically include: Eligibility to serve in the United States Navy, which may involve United States citizenship or other legal residency and work status, depending on the program and current law and policy A high school diploma or equivalent for enlisted positions, and a bachelor's or qualifying professional degree for officer positions Meeting age limits that vary by program and are set in law and Navy policy.

Some communities have more restrictive age ranges Meeting medical, vision, and dental standards, including body composition and physical fitness requirements, with some jobs requiring more demanding standards Meeting character and conduct standards, including background screening Achieving required test scores for your program, such as the Armed Services Vocational Aptitude Battery for enlisted roles or officer qualification tests for officer programs Eligibility for a security clearance when required for your rating or designator Additional qualifications can include specific skills, education, licensure, or experience that are unique to a job or community and will be reviewed with you by a recruiter.

Additional qualifications for this job may include: Completion of a rigorous technical degree in engineering, physics, mathematics, or a closely related field that includes strong backgrounds in calculus and physics; outstanding academic record, particularly in technical coursework; United States citizenship and eligibility for a high level security clearance; strong technical aptitude and comfort with detailed analytical work.

Education Education benefits are available through standard Navy programs such as Tuition Assistance, the Post-9/11 GI Bill, ACE-recommended college credit for Navy training, Navy COOL-funded certifications, USMAP apprenticeships, and other Navy College Program opportunities.

Specific options depend on the Sailor's status, training, and current Navy policy.

Pay, Benefits & Service Pay, benefits, and service commitments follow standard Navy Active and/or Reserve policies for this type of role, including basic pay, allowances when eligible, health coverage, and retirement options.

Exact entitlements, special pays, and service obligations depend on program, component, years of service, and current law and Navy guidance.

Incentives Incentives such as bonuses, special pays, and loan repayment may be available at times for specific ratings or communities, but they change frequently and cannot be guaranteed.

Applicants must confirm current incentives and eligibility with an official Navy recruiter or authoritative Navy source.

Notes and Disclaimers This description is a general overview of typical duties, training, and opportunities in this community.

It does not replace official Navy instructions, policies, or contracts and does not guarantee specific assignments, training, incentives, or outcomes.

Actual opportunities depend on Navy needs, individual performance, screening results, and current law and policy.

DocCafe has an immediate opening for the following position: Physician - Physiatry/Physical Medicine & Rehabilitation in Philadelphia, Pennsylvania.

Make $155 - $180/hourly.

DocCafe is the premier physician and advanced practice job board to help you advance your healthcare career.

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• Career Matching Support:Our experienced team can match you to your dream based on your unique preferences.

Get started with DocCafe today.

Trustpoint.One is pleased to partner with a highly respected boutique plaintiffs' firm is seeking a Senior Litigation Associate with medical malpractice and/or catastrophic injury experience to join its Philadelphia office.

This firm exclusively handles complex, high-value plaintiff cases and offers attorneys the opportunity to work on sophisticated litigation in a collaborative, mentorship-focused environment.

Why This Opportunity Stands Out

• Work exclusively on high-stakes catastrophic injury and medical malpractice matters
• Strong base salary plus substantial bonus potential
• No cap on earning potential, including origination incentives
• Firm-generated work—no business required to succeed
• Direct mentorship from experienced trial attorneys
• Collegial, stable environment with exceptionally low turnover
• Clear long-term growth potential

This is an ideal opportunity for an experienced litigator seeking more meaningful casework, stronger mentorship, and long-term professional growth within a highly regarded plaintiffs' practice.

Compensation

• Base salary: $125,000 – $150,000
• Significant discretionary bonuses paid twice annually
• Competitive origination compensation structure
• Strong total compensation potential based on performance and firm success

Qualifications

• 10+ years of litigation experience (flexible for strong candidates)
• Active PA Bar license, in good standing
• Medical malpractice and/or catastrophic injury experience strongly preferred
• Strong litigation, deposition, and case management skills
• Trial experience is a plus
• Interest in plaintiff-side litigation strongly preferred

Culture

The firm offers a collaborative, respectful environment where attorneys are supported in developing their careers long term. Leadership is committed to mentorship, professional growth, and maintaining a sustainable, collegial workplace.

All candidates must be able to work at a computer screen for a sustained amount of time. Infrequent lifting and carrying up to 30 pounds.

If you are an experienced med mal attorney seeking a permanent professional home, please apply for immediate consideration!

Trustpoint.One provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Hearing Representative - Special Education Claims

Background on the Project:

A prestigious government agency is addressing the backlog of special education claims in New York City to ensure timely and fair resolution of disputes between parents and the city regarding educational plans for children with special needs. Recent rulings have emphasized the need for faster resolution of these claims and improvements in special education services and payment processes. This initiative requires dedicated attorneys to join the team and play a critical role in managing a high volume of cases and driving claims through the administrative process.

Role Overview:

Our client is seeking contract attorneys barred and in good standing in any state with 1+ years of litigation experience to Work Remotely on a 1 plus year assignment. As a Hearing Representative, you will represent our client throughout the entire special education claims process—from intake to resolution or settlement.

Pay Rates:

• 1 to 7 years of experience: $41.75/hour
• 7+ years of experience: $43.75/hour

Key Responsibilities:

• Case Management: Manage a high-volume caseload of 100–200 special education claims, ensuring timely and effective handling.
• Representation: Prepare for and/or litigate complex cases involving significant legal precedents, policy implications, or financial impact. Represent the agency in administrative hearings, pre-hearing conferences, and settlement negotiations.
• Administrative Process: Navigate procedural requirements and ensure compliance with federal and state education laws and regulations.
• Documentation: Prepare and review all necessary filings, agreements, and reports with accuracy and thoroughness.
• Settlement Negotiation: Work with parents, public advocacy groups, and opposing counsel to reach fair resolutions while negotiating claims for attorney's fees.
• Training and Collaboration: Collaborate with special education specialists, technical experts, and attorneys; provide training to field staff and clinical staff on compliance with education laws.
• Research and Compliance: Analyze case law, gather evidence, and evaluate settlement demands. Provide guidance on compliance obligations to parents and students under hearing orders.

Required Qualifications:

• Bar Admission: Active bar license in good standing in any U.S. state.
• Litigation Experience: Minimum of 1+ years of recent litigation experience (more preferred).
• Tech Savvy: Strong proficiency in Microsoft Office Suite and ability to troubleshoot basic technical issues.
• Caseload Management: Proven ability to manage 100–200 cases concurrently.
• Timekeeping: Ability to log activities in 15-minute increments throughout the workday.
• Remote Work Skills: Dedicated workspace, reliable Wi-Fi, and comfort with virtual tools like Microsoft Teams and Outlook.
• Schedule Flexibility: Willingness to accommodate early morning hearings and work within Eastern Time Zone hours (7 AM–7 PM).
• Preferred Experience: Administrative Law, IEP/Special Education, Experience working for a government agency, Public Interest work, Settlement experience.

We are an equal opportunity employer and comply with all applicable federal, state, and local fair employment practices laws. We strictly prohibit and do not tolerate discrimination against employees, applicants, or any other covered persons because of race, color, religion, creed, national origin or ancestry, ethnicity, sex, sexual orientation, gender (including gender identity and expression), marital or familial status, age, physical or mental disability, perceived disability, citizenship status, service in the uniformed services, genetic information, height, weight, or any other characteristic protected under applicable federal, state, or local law. Applications from members of minority groups and women are encouraged.

Our client is seeking an experienced Estate Planning Associate to join their growing Estates & Trusts Practice Group in Philadelphia. This is an exceptional opportunity for a motivated attorney with 7–10 years of experience to work with high-net-worth individuals, families, fiduciaries, and business owners on complex planning, administration, and wealth-transfer matters. Their team develops sophisticated domestic and international strategies to protect assets, minimize tax exposure, and achieve clients' personal, business, and philanthropic goals.

Responsibilities:

• Advise clients on all aspects of estate and trust planning, wealth preservation, and asset protection.
• Draft a wide range of estate planning documents, including wills, powers of attorney, healthcare directives, and trusts.
• Develop and implement sophisticated strategies that address tax minimisation, generational wealth transfer, and charitable giving.
• Counsel clients on family foundations, special needs planning, and long-term care considerations.
• Collaborate with fiduciaries, financial advisors, and other professionals on administration and dispute-resolution matters.
• Manage complex family structures and unique assets, including business interests and art collections.
• Support clients with both domestic and international estate planning needs.

Qualifications:

• J.D. from an accredited law school; LL.M. in Taxation strongly preferred.
• 7–10 years of estate planning experience, with a strong background in high-net-worth planning.
• Demonstrated expertise in drafting sophisticated estate planning instruments and advising on advanced planning strategies.
• Strong knowledge of federal and state tax laws relevant to estate planning.
• Ability to manage client relationships with professionalism, discretion, and a high level of responsiveness.
• Commitment to high-quality work and collaborative teamwork.

Benefits:

• Competitive compensation and comprehensive benefits package.
• Opportunities for professional growth within a respected, client-focused practice.
• Supportive, collegial environment that encourages innovation and collaboration.
• Access to complex and meaningful client work involving high-net-worth and multijurisdictional matters.

How to Apply:

Interested candidates should submit their resume and a cover letter detailing their qualifications and business development track record to Louis Rosenthal ( ) or you can hit apply now.

We are a Civil Litigation Defense Law Firm. Our mission is focused on a slow and sustainable growth process to create a diverse working environment while remaining sensitive to the needs of our employees and their families. Kiernan Trebach has become respected for our effective defense of clients ranging from Fortune 100 companies to individuals and small business owners. We take pride in knowing our clients, understanding what they want, and exceeding their expectations.

We are seeking a new Partner Level Attorney with 15+ years of Civil Litigation Defense experience to join our team. Your role will be to defend a variety of Civil matters in our growing Philadelphia, PA practice.

What You Will Do:

As an Attorney at our firm, you will:

• Handle a variety of civil litigation cases from inception to resolution.
• Conduct legal research, analyze data, and develop strategies for cases.
• Communicate with clients, opposing counsel, and the court.
• Draft legal documents, including pleadings, motions, and briefs.
• Attend hearings, depositions, and trials as necessary.
• Defend a Variety of Civil Litigation Defense matters including:
• General Liability
• Personal Injury
• Product Liability
• Professional Liability

What You Will Bring:

Our ideal candidate will have 15+ years of relevant experience and the following credentials/skills:

• Experience with Insurance Defense clients.
• Experience writing motions and other legal memoranda, summarizing depositions and trial preparation is preferred.
• The ability to work independently from suit inception to settlement/trial is preferred.

Required Education & Licensure:

• Juris Doctorate Degree (J.D.).
• Active Pennsylvania Bar License (Required).
• Active New Jersey Bar, and/or ability to transfer UBE scores (Preferred).
• Being able to waive into the New Jersey Bar and having multiple bars is ideal, however, we are willing to consider candidates with only one bar.

We Offer Benefits for Full-Time:

• Medical, Dental, Vision
• Short/Long Term Disability
• 401(k) & Profit Sharing
• Life and A&D Insurance
• Flex Spending Program

Why You'll Love Us:

• Competitive compensation and benefits package.
• Opportunity for professional growth and advancement.
• Collaborative and inclusive work environment.
• Engaging and challenging caseload.
• The chance to work with a team of experienced and respected attorneys.

At Kiernan Trebach LLP, we commit our talents and energy to continue a decades-long practice devoted to defense litigation and counseling the Firm's clients on issues that affect their potential for litigation. Kiernan Trebach represents clients on a national basis, and maintains twelve offices in nine states plus the District of Columbia, with local presence in several others. Our lawyers have appeared in the courts of over 35 states and territories.

**Kiernan Trebach LLP is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard for race, ethnic background, color, religion, sexual orientation, age, gender identity, national origin, veteran status, disability or genetic information.**

Title: Fair Lending Banking Specialist / Program Manager

Location: Sewell, NY

Job Type: Direct hire

Work Week: 8:15 am – 5 pm, in office

Work Mode: 100% onsite

Salary Range: $80,000 - $135,000 per year.

Job Overview: The Fair Lending Banking Specialist will lead the design, implementation, and ongoing management of the Bank's Fair Lending Compliance Program to ensure full compliance with federal and state regulations and maintain a strong fair lending risk profile. This role serves as the program owner for all Fair Lending governance, risk assessment, monitoring, reporting, training, and regulatory examination readiness activities.

The ideal candidate will bring hands-on experience establishing and leading a Fair Lending Compliance Program within a banking or financial institution environment — including developing risk assessment methodologies, building monitoring frameworks, conducting redlining and comparative file reviews, managing remediation, and presenting results to Senior Management and the Board of Directors.

This position partners closely with Senior Leadership, Compliance, Risk, CRA, Lending, and Audit teams to proactively identify Fair Lending risk and continuously strengthen the Bank's compliance posture.

Key Responsibilities

Fair Lending Program Ownership & Governance

• Design, implement, and oversee the Bank's enterprise-wide Fair Lending Compliance Program, ensuring it is risk-based and aligned with the Bank's size, complexity, and business model
• Serve as the primary subject matter expert and owner for Fair Lending risk management across all lending products and business lines
• Advise Senior Management and the Board of Directors on emerging Fair Lending risks, regulatory expectations, and program effectiveness

Risk Assessment & Monitoring

• Develop and execute the Bank's annual Fair Lending risk assessment, evaluating underwriting, pricing, marketing, steering, redlining, and product risk
• Design and oversee a robust Fair Lending monitoring framework, including:
• Comparative file reviews
• Redlining analysis
• Marketing and outreach reviews
• Exception and override testing
• Quality of assistance reviews
• Identify root causes of Fair Lending issues and ensure timely remediation and control enhancements

Reporting & Regulatory Engagement

• Prepare clear, concise, and data-driven reports for Senior Management and the Board of Directors on Fair Lending risk, trends, and remediation efforts
• Serve as the primary owner for Fair Lending regulatory examinations (OCC, FDIC, CFPB, state regulators), including preparation, issue management, and response development
• Maintain comprehensive documentation, workpapers, and evidence supporting program effectiveness

Policies, Controls & Training

• Develop and maintain all Fair Lending-related policies, procedures, and program documentation
• Review credit policies, pricing structures, underwriting criteria, marketing strategies, new products, and third-party activities to proactively identify Fair Lending risk
• Design and lead Fair Lending training programs for employees, Senior Management, and the Board of Directors, including customized training as needed

Cross-Functional Leadership

• Partner with the CRA Officer, Lending teams, Compliance, Risk Management, Audit, and Operations to integrate Fair Lending controls throughout the organization
• Lead continuous improvement initiatives to strengthen preventative and detective controls
• Manage special compliance projects as assigned

Required Qualifications

Important Note: This role requires hands-on leadership and ownership of a Fair Lending Compliance Program within a banking environment. Experience limited to loan origination, underwriting, or participation in Fair Lending reviews without program design and management responsibility will not meet the requirements of this position.

• Bachelor's Degree (required)
• 5+ years of banking compliance experience with direct ownership of Fair Lending Compliance Programs
• Demonstrated experience designing and managing Fair Lending risk assessments, monitoring frameworks, and regulatory examinations
• Extensive hands-on experience with:
• Comparative file reviews
• Redlining analysis
• Underwriting and pricing risk reviews
• Fair Lending remediation efforts
• Expert knowledge of Fair Lending laws and regulations, including ECOA, FHA, HMDA, and regulatory guidance
• Proven ability to present complex Fair Lending risk information to Senior Management and Board-level audiences
• Strong analytical and data interpretation skills
• Proven ability to lead cross-functional initiatives and manage multiple complex projects simultaneously
• Excellent written and verbal communication skills
• Strong organizational skills and ability to work independently

Preferred Qualifications

• Certified Compliance Professional (CRCM, CAFP, or similar)
• Experience leading Fair Lending programs within community banks, regional banks, or credit unions
• Experience working directly with regulatory agencies on Fair Lending matters
• Advanced data analytics or statistical analysis experience related to Fair Lending risk