BSA/AML Digital Assets Compliance Consultant (Hybrid - see job description for potential work locations) M&T Bank CorpBSA/AML Digital Assets Compliance Consultant (Hybrid - see job description for potential work locations)Buffalo, NY$74,600–$124,400 / yearPlays a critical role in identifying, assessing, and mitigating financial crimes risks associated with digital assets and blockchain product offerings by partnering with product, technology, and compliance teams to embed effective controls, developing and refining risk indicators and detection scenarios, conducting risk assessments of novel products and services, and ensuring program alignment with regulatory expectations and industry best practices. Prior experience working at a virtual asset service provider such as a cryptocurrency exchange, custody provider, fintech, or bank providing digital asset and emerging banking services.
Senior Compliance Consultant - Capital Markets, Commercial and Investment Banking, Institutional B/D and Asset Management (Hybrid - Metro NYC OR Buffalo, NY) M&T Bank CorpSenior Compliance Consultant - Capital Markets, Commercial and Investment Banking, Institutional B/D and Asset Management (Hybrid - Metro NYC OR Buffalo, NY)NY$109,300–$182,100 / yearCapital Markets, Institutional Broker-Dealer, Investment Banking, FOREX, Derivatives and CFTC compliance and operational risk oversight experience preferred Proven track record in risk assessment and control oversight (including significant experience in identifying regulatory compliance and operational risks, control issues, implementing corrective actions and best practices). Analyze and stay current on rules and regulations applicable to the use and sale of Capital Markets, Commercial Banking, Institutional Broker-Dealer, Investment Banking, FOREX, and Derivatives products and services Evaluate and provide guidance with other stakeholders on new and evolving business products and services from a fiduciary and regulatory compliance risk perspective.
Claims Compliance Manager CentivoClaims Compliance ManagerBuffalo, New YorkManage RxDC (Prescription Drug and Health Care Spending) reporting under the Consolidated Appropriations Act (CAA), including both D2 Medical and P2 Medical data files; coordinate with pharmacy benefit managers (PBMs), stop-loss carriers, and internal teams to compile and submit accurate annual reports on behalf of plan sponsors. Manage and coordinate NSA negotiations for out-of-network claims subject to the open negotiation process; partner with claims leadership and legal counsel to support Independent Dispute Resolution (IDR) proceedings, including submission preparation, documentation, and tracking of outcomes.
NewElectrical Engineer I - Regulatory Compliance Schneider Electric SEElectrical Engineer I - Regulatory ComplianceBuffalo, NYOrganize compliance programs by preparing timetables, cost estimates, and acquiring resources including in-house testing, 3rd party test houses, and Nationally Recognized Test Labs (NRTL) Work with suppliers and outside engineering consultants to resolve technical problems, improve system features, and capabilities. Working alongside experienced engineers and compliance specialists, you will gain hands-on experience supporting product design reviews, testing activities, certification efforts, and regulatory documentation that help bring products to market around the world.
Senior HR Compliance Analyst Delaware North Companies IncSenior HR Compliance AnalystBuffalo, NY$62,354–$76,800 / yearIf you are driven to improve systems, enjoy solving complex challenges, and want to make an impact on both team members and the business, apply now and grow your career with Delaware North. With jobs in iconic sports arenas, stunning national parks, exciting casinos, and more, we pride ourselves on giving the world great times in great places.
Oracle Cloud Finance Consultant - Senior Manager PricewaterhouseCoopers LLPOracle Cloud Finance Consultant - Senior ManagerNY$124,000–$280,000 / yearPwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy. You will be part of a team that supports clients in their Finance Transformation journey, utilizing Oracle Cloud ERP and EPM, along with emerging technologies like RPA, Machine Learning, and Analytics.
Compliance Manager AlkegenCompliance ManagerTonawanda, NY$100,000–$120,000 / yearMonitor and interpret current and emerging multimedia (air, water, waste, chemicals etc.) environmental compliance regulations, including restricted and prohibited substances such as PFAS, SVHCs, CMRs, Endocrine Disruptors and other substances, and assess their impact on operations. With over 60 manufacturing facilities with a global workforce of over 9,000 of the industry's most experienced talent, including insulation and filtration experts, Alkegen is uniquely positioned to help customers impact the environment in meaningful ways.
Sales Consultant, Hospital Solutions (Upstate NY) Fresenius Medical Care AG & Co KGaASales Consultant, Hospital Solutions (Upstate NY)Buffalo, NY$95,000–$110,000 / yearIn addition to the responsibilities outlined in the core job description, the Sales Consultant, Hospital Solutions will: Manage all new and existing accounts, identifies and closes new business opportunities, and delivers comprehensive solutions across the full product portfolio for both In Center and Hospital. The role builds and maintains strong customer relationships, leads territory-level collaboration with internal partners, and ensures accurate use of sales tools, forecasting, and contract management.
Regional Compliance Analyst - Key Investment Services (KIS) KeyCorpRegional Compliance Analyst - Key Investment Services (KIS)NY$57,000–$87,000 / yearKIS primarily operates out of KeyBank retail bank branches and provides KeyBank retail customers brokerage, insurance, and investment advisory services through KeyBank National Association's retail bank branch across the United States. KIS is a retail dual registered fully disclosed introducing broker/dealer and investment adviser that is non-banking affiliate of KeyBank National Association and a subsidiary of KeyCorp, a federally registered bank holding company.
Mortgage Loan Consultant Community Bank, N.A.Mortgage Loan ConsultantBuffalo, NYGrow Your Pipeline - Proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources. The Mortgage Loan Consultant is responsible for establishing and maintaining strong professional ties to area business generators by executing a sales call program to service realtors and other referral sources to develop new mortgage business.
Beauty and Wellness Consultant Walgreen CoBeauty and Wellness ConsultantTonawanda, NY$17–$21 / hourWalgreens has approximately 211,000 team members, including roughly 85,000 healthcare service providers, and is committed to being the first choice for pharmacy, retail and health services, building trusted relationships that create healthier futures for customers, patients, team members and communities. High School Diploma/GED and at least one year of experience working in a retail sales environment that required meeting a defined sales goal OR at least one year of experience proactively selling beauty or cosmetic products and providing customer care.
Environmental Consultant/Asbestos Inspector Encorus GroupEnvironmental Consultant/Asbestos InspectorWest Seneca, NYFull timeIn this role, you will work alongside experienced environmental professionals performing field inspections, air monitoring, and environmental sampling on a variety of commercial, industrial, institutional, and public-sector projects. • Experience in asbestos, lead, home inspection, construction inspection, environmental services, industrial hygiene, field testing, or a related field preferred.
Internal Audit Consultant – Cybersecurity Judge GroupInternal Audit Consultant – CybersecurityBuffalo, NY$160,000–$200,000 / yearSpecific subject matter expertise regarding internal audit disciplines or in one or more of the following Lines of Businesses (LOBs) such as Commercial Banking, Retail Banking, Mortgage, Consumer Banking, Wealth Advisory, Institutional Client Services, or support functions such as Treasury, Finance, Compliance, Technology, Operations, Risk Management, or Credit Administration. This role operates independently within a matrix reporting environment and is responsible for the timely delivery of high quality, value-added audit reports for a variety of business activities (complex in nature), which meet the requirements of the Audit Committee and regulatory expectations.
Veterinary Medical Consultant (Research) BUFFALO INSTITUTE FOR MEDICALVeterinary Medical Consultant (Research)Buffalo, NYDuties include but are not limited to: · Direct the operation of the animal facility to ensure compliance with current animal welfare laws, regulations and policies and to support Research and Development (R&D) programs using animal subjects. Veterinary Medical Consultant provides program oversight and veterinary clinical support with experience and training in the area of laboratory animal science and medicine.
Managing Consultant, Safe and Sustainable Operations ERMManaging Consultant, Safe and Sustainable OperationsBoston, New York$90,000–$126,493 / yearAs the largest global pure play sustainability consultancy, we partner with the world’s leading organizations, creating innovative solutions to sustainability challenges and unlocking commercial opportunities that meet the needs of today while preserving opportunity for future generations. Our diverse team of world-class experts supports clients across the breadth of their organizations to operationalize sustainability, underpinned by our deep technical expertise in addressing their environmental, health, safety, risk and social issues.
Financial Analysis Consultant - Controller Accounting Policy & Projects M&T Bank CorpFinancial Analysis Consultant - Controller Accounting Policy & ProjectsBuffalo, NY$107,500–$179,100 / yearEducation and Experience Required: Bachelor's degree and a minimum 9 years' accounting, auditing, operations, and/or financial institutions experience, or in lieu of a degree, a combined minimum of 13 years' higher education and/or work experience, including a minimum of 9 years' accounting, auditing, operations, and/or financial institutions experience. The successful candidate brings a comprehensive understanding of accounting matters involving pension/OPEB, payroll, bonus/incentive, stock compensation and SOX, and applies this expertise to assist with financial and accounting processes, compliance and planning activities, and ensure appropriate internal controls are maintained.
Lead Reviewing Physician Consultant (Bid) MaximusLead Reviewing Physician Consultant (Bid)Buffalo, NYFull timeAfter completing all research, the physician must write a case rationale in the correct format that introduces the question at hand, summarizes the correct guideline, analyses the pertinent case details related to the guideline, and then make a final determination as to the medical necessity of the requested service. Maximus 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.
Sr Info Security Consultant KeyCorpSr Info Security ConsultantNY$96,000–$181,000 / yearWorking knowledge of the importance of inter-team collaboration in breaking down silos and achieving business results; ability to lead employees from various functions to communicate, coordinate work across divisions, and collaborate in solving problems as one team. Working knowledge of tools, techniques, approaches and processes of cybersecurity risk management; ability to ensure organizational network operation and minimize negative effect by cybersecurity risks.
Mortgage Loan Consultant (Base Pay + Commission) Community Financial System, Inc.Mortgage Loan Consultant (Base Pay + Commission)Buffalo, New YorkFull timeGrow Your Pipeline – Proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources. The Mortgage Loan Consultant is responsible for establishing and maintaining strong professional ties to area business generators by executing a sales call program to service realtors and other referral sources to develop new mortgage business.
Senior Marketing Consultant - Cleveland, OH or Buffalo, NY KeyCorpSenior Marketing Consultant - Cleveland, OH or Buffalo, NYBuffalo, NY$71,000–$125,000 / yearThe Sr Marketing Consultant will coordinate all activities required to deliver omni-channel direct marketing campaigns, with channels including direct mail, email, online banking messaging and phone leads. Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key's clients and Key.
Institutional & Specialty Sales Consultant - Stroke/Thrombosis - Buffalo, NY Bayer AGInstitutional & Specialty Sales Consultant - Stroke/Thrombosis - Buffalo, NYBuffalo, NY$124,320–$186,480 / yearAs an Institutional & Specialty Pharmaceutical Sales Consultant, you will: Drive clinical demand, education, and sales by communicating the value of Asundexian in stroke prevention; Lead formulary access by navigating P&T committees and influencing protocol adoption across health systems; Build strategic relationships with priority institutions, including key stakeholders at the institutions (i.e., C and D Suite and Head of Pharmacy, Head of Quality), and neurologists; Develop territory business plans based on local market insights and collaborate with internal teams to support a successful launch; Demonstrate expertise and knowledge of disease state, the marketplace, competitors, industry, and cross-functional activities/plans, as well as possessing the analytical rigor to anticipate and identify business opportunities and challenges; Analyze competitive landscape and proactively identify opportunities and risks. Advanced degree (Life Sciences, Pharmacy, Business, or related field); Proven success in biotech, medical, or pharmaceutical sales in competitive environments, including experience launching new products and product indications; Deep understanding and significant experience working in stroke, anti-coagulation, neurology, and cardiovascular therapeutic areas; Experience selling in institutional and clinical settings, and navigating the P&T committee process; Experience in establishing and pulling-through in-patient to out-patient protocols.
Oracle CX Implementation Consultant (Utilities) - Manager PricewaterhouseCoopers LLPOracle CX Implementation Consultant (Utilities) - ManagerBuffalo, NY$99,000–$232,000 / yearPwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: https://pwc.to/H-1B-Lottery-Policy. These individuals analyse client needs, implement software solutions, and provide training and support for seamless integration and utilisation of business applications, enabling clients to achieve their strategic objectives.
Oracle CPQ Cloud Implementation Consultant - Senior Associate PricewaterhouseCoopers LLPOracle CPQ Cloud Implementation Consultant - Senior AssociateBuffalo, NYIt gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future. To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level.
ServiceNow Senior Consultant JoleraServiceNow Senior ConsultantBuffalo, NYWe've transformed hundreds of MSPs & solution providers globally through our collection of tenured experts, delivering an elevated managed service experience tailored to each partner's unique business needs. You will serve as a subject matter expert (SME) across the full ServiceNow platform, owning complex implementations, guiding enterprise clients, and delivering solutions that drive measurable business outcomes.
Consumer Consultant KeyCorpConsumer ConsultantBuffalo, NY$80,000–$150,000 / yearJob Summary: The Consumer Consultant - Business Banking Sales Enablement plays a critical role in enabling frontline sales teams to effectively position and sell Cash Management and Merchant Services solutions. This role partners closely with product, sales, and enablement leaders to translate strategy into clear, compelling, and actionable materials that drive seller confidence, client relevance, and revenue growth.
Senior Lead Employee Relations Consultant KeyCorpSenior Lead Employee Relations ConsultantBuffalo, NYRemote$71,000–$125,000 / yearManages a caseload of complex ER matters, provide guidance and advice to clients by interpreting and applying policy, with collaboration and decisiveness that supports business objectives, mitigates risk, strengthens manager effectiveness, and facilitates employee engagement. The Senior Lead Employee Relations (ER) Consultant is an individual contributor role that manages complex employment related issues or allegations for Key employees, including all levels of management, that have been determined to require more in-depth review, consultation, risk mitigation and investigation before resolution.
Senior Consultant Bonadio & Co LLPSenior ConsultantNYRemote$70,000–$85,000 / yearOverview: The Bonadio Group has a tremendous opportunity for a business and advisory consultant to manage client assignments, working directly with Partners to provide engagement solutions in a variety of settings, including: operational efficiency studies; internal control evaluations, policy and procedure reviews; financial reporting and analysis; cost reduction studies, and special projects. Required: A minimum of a bachelor's degree in accounting, business advisory, business analytics, project management or another related field of study as experience will be considered in lieu of specific degree concentrations.
Senior Property & Casualty Risk Consultant Community Bank, N.A.Senior Property & Casualty Risk ConsultantNYThe consultant also participates in the management and coordination of carrier services for large clients and may assume supervisory responsibilities for other risk management staff as directed by the VP Risk Management Services. This role collaborates with client management and OG Risk Advisors to develop innovative risk management solutions for large and complex organizations, reflecting the latest practices and regulatory requirements in the insurance and consulting industries.
NewAudit Consultant - Cybersecurity M&T Bank CorpAudit Consultant - CybersecurityBuffalo, NY$107,500–$179,100 / yearSpecific subject matter expertise regarding internal audit disciplines or in one or more of the following Lines of Businesses (LOBs) such as Commercial Banking, Retail Banking, Mortgage, Consumer Banking, Wealth Advisory, Institutional Client Services, or support functions such as Treasury, Finance, Compliance, Technology, Operations, Risk Management, or Credit Administration. Scope of Responsibilities: This role operates independently within a matrix reporting environment and is responsible for the timely delivery of high quality, value-added audit reports for a variety of business activities (complex in nature), which meet the requirements of the Audit Committee and regulatory expectations.
Financial Consultant M&T Bank CorpFinancial ConsultantBuffalo, NY$26–$43.34 / hourEducation and Experience Required: Associate degree and a minimum of 3 years' previous sales, sales administration, or retail banking experience, or in lieu of a degree a combined minimum of 5 years' higher education and/or work experience, including a minimum of 3 years' previous sales, sales administration, or retail banking experience. Maintain and build referral channel and strong partnerships with Retail branch partners and Business Banking to ensure investment needs of current and potential customers in assigned Market and branches are met or exceeded.
Audit Consultant - Core Technology M&T Bank CorpAudit Consultant - Core TechnologyBuffalo, NY$107,500–$179,100 / yearSpecific subject matter expertise regarding internal audit disciplines or in one or more of the following Lines of Businesses (LOBs) such as Commercial Banking, Retail Banking, Mortgage, Consumer Banking, Wealth Advisory, Institutional Client Services, or support functions such as Treasury, Finance, Compliance, Technology, Operations, Risk Management, or Credit Administration. Scope of Responsibilities: This role operates independently within a matrix reporting environment and is responsible for the timely delivery of high quality, value-added audit reports for a variety of business activities (complex in nature), which meet the requirements of the Audit Committee and regulatory expectations.
TrackWise Managed Services Sr. Consultant Deloitte Touche Tohmatsu LtdTrackWise Managed Services Sr. ConsultantNY$120,200–$145,000 / yearThe Quality Managed Services Senior Consultant will Lead and contribute to end-to-end delivery for TrackWise, TrackWise Digital, and ComplianceWire platforms - including requirements gathering, solution design, system configuration, workflow development, and user acceptance testing. Configure and administer quality management workflows including CAPA, deviation management, change control, audit management, complaint handling, and OOS/OOT investigations in TrackWise or TrackWise Digital.
Audit Consultant - Core Technology Wilmington TrustAudit Consultant - Core TechnologyBuffalo, New YorkSpecific subject matter expertise regarding internal audit disciplines or in one or more of the following Lines of Businesses (LOBs) such as Commercial Banking, Retail Banking, Mortgage, Consumer Banking, Wealth Advisory, Institutional Client Services, or support functions such as Treasury, Finance, Compliance, Technology, Operations, Risk Management, or Credit Administration. This role operates independently within a matrix reporting environment and is responsible for the timely delivery of high quality, value-added audit reports for a variety of business activities (complex in nature), which meet the requirements of the Audit Committee and regulatory expectations.
NewAudit Consultant - Cybersecurity Wilmington TrustAudit Consultant - CybersecurityBuffalo, New YorkSpecific subject matter expertise regarding internal audit disciplines or in one or more of the following Lines of Businesses (LOBs) such as Commercial Banking, Retail Banking, Mortgage, Consumer Banking, Wealth Advisory, Institutional Client Services, or support functions such as Treasury, Finance, Compliance, Technology, Operations, Risk Management, or Credit Administration. This role operates independently within a matrix reporting environment and is responsible for the timely delivery of high quality, value-added audit reports for a variety of business activities (complex in nature), which meet the requirements of the Audit Committee and regulatory expectations.
Consultant, Functional Transformation SAP Deloitte Touche Tohmatsu LtdConsultant, Functional Transformation SAPNY$82,600–$162,800 / yearJoin our team of strategic advisers and architects, differentiated by our industry depth to collaborate with leading solution providers and leverage your experience in strategy, process design, technology enablement, and operational services to enable heart-of-the-business solutions. Our purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities.
Cyber Operational Technology/ Industrial Control Systems (OT/ICS) Senior Consultant Deloitte Touche Tohmatsu LtdCyber Operational Technology/ Industrial Control Systems (OT/ICS) Senior ConsultantNYYou will leverage your deep technical expertise, industry knowledge, and hands-on experience with leading OT/ICS security tools to deliver innovative solutions, lead project teams, and provide strategic guidance to clients. 4+ years of demonstrated experience designing and implementing OT/ICS security architectures and controls using tools such as Claroty, Palo Alto, Cradlepoint, CrowdStrike, BeyondTrust PRA, and familiarity with Cisco, ServiceNow, Splunk, and TxOne.
Alternate Vision Reviewing Physician Consultant (BID) MaximusAlternate Vision Reviewing Physician Consultant (BID)Buffalo, NYFull 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. - Maintain working knowledge of Office of Personnel Management (OPM) medical and suitability policies and ensure all consultations reflect current clinical best practices, regulatory requirements, and program objectives.
Bud Consultant Secret Garden 716 LlcBud ConsultantBuffalo, NYCustomer Service Experience: Proven track record in providing excellent customer service in a retail setting. Customer Experience: Providing exceptional customer service and ensuring a positive shopping experience.
Internal Audit: Quality Assurance / Professional Practices Consultant M&T Bank CorpInternal Audit: Quality Assurance / Professional Practices ConsultantBuffalo, NY$107,500–$179,100 / yearEducation and Experience Required: Bachelor's degree, preferably in Accounting, Business, Finance, Technology, Cyber security, Mathematics, Statistics or other related technical field and 7 years' of relevant experience, including 2 years' of leadership experience, or in lieu of degree, 11 years' higher education and/or work experience including 2 years' managerial experience. Overview: This role provides senior level expertise in quality assurance within the professional practice of internal audit that span multiple facets of the profession which require in-depth internal audit, talent management and risk knowledge to properly assess, support, and promote intern audit quality.
Senior Business Data Consultant M&T Bank CorpSenior Business Data ConsultantAmherst, NY$123,600–$206,000 / yearOverview: In alignment with IS's growing investment, we are seeking an IS Senior Data Management Lead candidate to be responsible for providing guidance to assigned business in implementing components of the Data Management Program in the areas of governance, quality, issue management, reporting, data architecture, solutions, analytics, or project management and in alignment with the overall Enterprise Data Management Program. In addition, long term digital transformation is required to grow revenue through new and transformed digital-first trust and agency service products, to move from a product-centric to client-centric operating model, to move from market-specific to global solutions, and to dramatically lower the cost to serve.
Internal Audit: Quality Assurance / Professional Practices Consultant Wilmington TrustInternal Audit: Quality Assurance / Professional Practices ConsultantBuffalo, New YorkThis role provides senior level expertise in quality assurance within the professional practice of internal audit that span multiple facets of the profession which require in-depth internal audit, talent management and risk knowledge to properly assess, support, and promote intern audit quality. Bachelor’s degree, preferably in Accounting, Business, Finance, Technology, Cyber security, Mathematics, Statistics or other related technical field and 7 years’ of relevant experience, including 2 years’ of leadership experience, or in lieu of degree, 11 years’ higher education and/or work experience including 2 years’ managerial experience.
SAP BODS/Data Conversion Senior Consultant Deloitte Touche Tohmatsu LtdSAP BODS/Data Conversion Senior ConsultantNY$110,700–$218,300 / yearJoin our team of strategic advisers and architects, differentiated by our industry depth to collaborate with leading solution providers and leverage your experience in strategy, process design, technology enablement, and operational services to enable heart-of-the-business solutions. 2+ years experience performing data profiling, cleansing, validation, and reconciliation across finance, supply chain, projects, and related ERP data domains including: SAP S/4HANA Migration Cockpit and/or legacy migration approaches for loading master and transactional data.
NewConsultant Cyber Engineering Deloitte Touche Tohmatsu LtdConsultant Cyber EngineeringNY$88,600–$181,900 / yearWage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. Our purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities.
NewCommercial Workout Analyst KeyCorpCommercial Workout AnalystAmherst, NY$48,000–$72,000 / yearManage and/or assist in the management of a loan portfolio including SBA loans and/or other government guaranteed loans to mitigate risk, consisting of deals with aggregate balances equal to or less than $250,000 with moderate complexity and potential for adversarial litigation. Develop, recommend and implement workout/liquidation strategies for problem loans including past due, underperforming, non-performing, and charged-off loans to mitigate risk and maximize recovery.