65673 Sales Representative Kimberly Car City65673 Sales RepresentativeDavenport, IAFull timeThe ideal candidate has previous automotive sales experience or a strong background in customer-facing sales such as cell phones, appliances, jewelry etc. and is experienced working on a performance based compensation structure. Complete quotes, return email/voicemail, and other administrative functions to include running credit applications and processing transaction paperwork.
NewMember Service Representative GreenState Credit UnionMember Service RepresentativeDavenport, IA$17.39–$20.33 / hourPerforms member transactions including; deposits, withdrawals, transfers, check cashing, loan payments, credit card payments, cash advances, bond redemptions, disbursement of official checks, sale of money orders, cashier checks, savings bonds, and promotional sales materials. Builds member relationships by recognizing their financial needs and meeting those needs with the appropriate GreenState product and service or referring them to the specialized department (Wealth Management, Commercial, Mortgage, GreenState Insurance etc.) to be served.
NewSales Representative - Alarm Systems Securitas TechnologySales Representative - Alarm SystemsDavenport, IA$65,000–$75,000Working from your home office, you will set appointments with and present our commercial electronic security products and services to national and large regional accounts. Securitas Technology, part of Securitas, is a world-leading provider of integrated security solutions that protect, connect and optimize businesses of all types and sizes.
Office Specialist - Business Training Center Black Hawk College of MolineOffice Specialist - Business Training CenterMoline, ILDuties, Accountabilities, & Working RelationshipsDESCRIPTION OF ESSENTIAL DUTIES: Performs accounting functions for the Business Training Center including but not limited to: accounts payable/receivable, determining cost/revenue ratios, making and reporting P-Card purchases, preparing bank deposits, performing cashiering duties, preparing purchase requisitions, invoices, maintaining petty cash funds, and performing month end balancing. 1.Performs accounting functions for the Business Training Center including but not limited to: accounts payable/receivable, determining cost/revenue ratios, making and reporting P-Card purchases, preparing bank deposits, performing cashiering duties, preparing purchase requisitions, invoices, maintaining petty cash funds, and performing month end balancing.
Office Assistant- FSS Scott County IowaOffice Assistant- FSSDavenport, IAUnder basic supervision, the Office Assistant provides customer service to visitors and performs a wide variety of clerical duties to support departmental or divisional operations to include filing, preparing records and monthly reports, creating program files, and preparing and processing invoices. Maintains and updates departmental record systems and specialized databases; enters and updates information with departmental activity, program files, and report summaries; retrieves information from systems and specialized databases as required; purges or drops files as required.
Representative - Customer Service (Order Clerk) M-F 11:00 am to 7:30 pm EssilorLuxottica SARepresentative - Customer Service (Order Clerk) M-F 11:00 am to 7:30 pmMilan, IL$15.54–$21.51 / hourThe Customer Service Representative (Order Clerk) is responsible for building and maintaining customer and vendor relationships and to manage request for quotations, stock orders, returns and purchase orders, and coordinating with other departments to provide the best possible service to the customer. If you would like to provide feedback regarding an active job posting, or if you are an individual with a disability who would like to request a reasonable accommodation, please call the EssilorLuxottica SpeakUp Hotline at 844-303-0229 (be sure to provide your name, job id number, and contact information so that we may follow up in a timely manner) or email HRCompliance@luxotticaretail.com.
Accounts Receivable Representative Macpower Digital Assets Edge Private LimitedAccounts Receivable RepresentativeMilan, IL$23–$23 / hourRoles & Responsibilities: Accounts Receivable Representative is an individual contributor role that is responsible for oversight of customer accounts to ensure that invoices are created and payments are received in a timely fashion. Assist in the set-up of account information in business system, linking the pricing matrix, ordering equipment, devising personnel/shift workflow logistics, identifying processes and conducting gap analysis with customer.
Customer Service Representative-Warehouse ManpowerCustomer Service Representative-WarehouseMuscatine, IAFull timeWe are recognized consistently for our diversity - as a best place to work for Women, Inclusion, Equality and Disability and in 2022 ManpowerGroup was named one of the World's Most Ethical Companies for the 13th year - all confirming our position as the brand of choice for in-demand talent. Our expert family of brands – Manpower, Experis, Talent Solutions, and Jefferson Wells – creates substantial value for candidates and clients across more than 75 countries and territories and has done so for over 70 years.
Trainee Sales Representative Andrew Meier Inc.Trainee Sales RepresentativeDavenport, Iowa$75,000–$90,000 / yearImplement marketing strategies including, but not limited, to cold calling and networking to connect with potential clients while simultaneously maintaining a portfolio of current clients. Candidates within 6 months or less of degree completion will be considered, as will candidates with less than 4 years of professional work experience who have relevant or specialized outside sales experience.
Carrier Sales Representative Amhof Trucking Inc.Carrier Sales RepresentativeEldridge, IAFull timeIdentify, negotiate, and secure both spot and contractual freight opportunities that exceed the capacity of the company's asset fleet (overflow freight) or that fall outside our core lanes and equipment capabilities. Coordinate day-to-day execution of brokered loads, including booking carriers, dispatching, load tendering, and providing proactive shipment updates to shippers.
Sales Representative - Uniform CintasSales Representative - UniformDavenport, IAWith offerings including uniforms, mats, mops, towels, restroom supplies, workplace water services, first aid and safety products, eye-wash stations, safety training, fire extinguishers, sprinkler systems and alarm service, Cintas helps customers get Ready for the Workday®. Cintas Corporation helps more than one million businesses of all types and sizes get Ready™ to open their doors with confidence every day by providing products and services that help keep their customers’ facilities and employees clean, safe, and looking their best.
Sales Representative - Uniform (Davenport, IA, US, 52806) Cintas CorpSales Representative - Uniform (Davenport, IA, US, 52806)Davenport, IAWith offerings including uniforms, mats, mops, towels, restroom supplies, workplace water services, first aid and safety products, eye-wash stations, safety training, fire extinguishers, sprinkler systems and alarm service, Cintas helps customers get Ready for the Workday. Cintas Corporation helps more than one million businesses of all types and sizes get Ready to open their doors with confidence every day by providing products and services that help keep their customers' facilities and employees clean, safe, and looking their best.
Customer Service Representative Community Choice Financial Family of BrandsCustomer Service RepresentativeDavenport, IowaFull timeOur Purpose: The Community Choice Financial® Family of Brands ("CCF" or the “Company”), is one of the largest consumer specialty finance organizations in the U.S. We provide our customers, Team Members, and communities the Power of Choice with over 10 brands represented in more than 1,500 brick-and-mortar stores serving 24 states and online product offerings in 20 states. You’ll play a pivotal role in our high-performance environment by building connections with our diverse customer base and processing transactions (i.e. check cashing, money transfers, and customer payments) while providing exceptional in-store experiences.
NewInside Sales Representative REXCO EQUIPMENT, INC.Inside Sales RepresentativeDavenport, IAYou'll be the go-to resource for customers who walk through our doors looking for equipment solutions, and you'll build real, lasting relationships that come back year after year. If you're the kind of person who genuinely enjoys helping customers find the right solution - and you want to be rewarded when you do it well - this role is worth a serious look.
Outside Sales Representative - Davenport, IA Ranews CompaniesOutside Sales Representative - Davenport, IADavenport, IowaAlthough this position is titled “Outside Sales,” this is not a remote position; when not traveling for prospective customer visits or events, the Outside Sales Representative is expected to work on-site at your assigned Ranew’s facility. The right candidate will possess the ability to deliver against aggressive sales targets and to manage a disciplined pipeline from prospecting through close.
Remote Inside Sales Representative Liberty Mutual Holding Company IncRemote Inside Sales RepresentativeDavenport, IARemote$55,000–$75,000 / yearAs an Inbound Sales Representative you will be handling inbound calls and warm leads, consulting with potential and existing policyholders on their insurance needs and matching the correct coverages, products, and benefits to convert sales leads into policyholders. You must be able to maintain department work at home (W@H) requirements which include a professional workspace/room with a dedicated desk and wired (cable, fiber of DSL service) high-speed internet connection with a minimum 100 MBps download speed and 20 MBps upload speed.
Inside Sales Representative R.P. Lumber Co IncInside Sales RepresentativeIA$15–$20 / hourActively engages in increasing knowledge of sales techniques and developing product and industry knowledge through attending company training programs and develops knowledge of residential, rural, industrial, and commercial construction. Actual pay is determined by several job-related factors permitted by law and relevant to the position, including, but not limited to, experience relative to the job, tenure, market level, pay at the location for this job, performance, schedule, and work assignment.
Insurance Sales Representative Marty Clifton - State Farm AgencyInsurance Sales RepresentativeBETTENDORF, IOWAService can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification. Employees of State Farm agents must be able to successfully complete any applicable licensing requirements and training programs.
Customer Service Representative City of Rock IslandCustomer Service RepresentativeRock Island, IL$39,771–$58,758 / yearReceives applications for utility service or changes in services; explains billing practices to customers and applicants; receives utility payments; receives customer inquiries and complaints; prepares service orders for verification of meter readings, resolving high consumption complaints, changes in services, and turnoffs and turnons; prepares delinquent accounts for follow up; prepares final billings and utility account adjustments. Graduation from high school (or GED), including or supplemented by courses in bookkeeping and modern office practices; experience in clerical work involving public contact; or any equivalent combination of training and experience that provides the following knowledge, abilities and skills: Knowledge of basic bookkeeping principles and procedures.
Referral Center Representative UnityPoint HealthReferral Center RepresentativeMoline, IllinoisResponsibilities: Works on patient referrals by coordinating appointment scheduling and ensuring the timely and accurate processing of referral requests, initiating referrals within 24 hours on business days, and documenting all stages in Electronic Medical Records (EMR) systems. The Referral Center Representative is responsible for coordinating patient referrals, scheduling specialty exams, obtaining insurance pre-authorizations, and ensuring accurate documentation to ensure timely and accurate healthcare access.
Sr. Customer Service & Sales Representative- Auto Arconic CorpSr. Customer Service & Sales Representative- AutoDavenport, IAInformation Ordering - The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations). Arconic Corporation is a leading provider of aluminum sheet, plate and extrusions, as well as innovative architectural products, that advance the automotive, aerospace, commercial transportation, industrial and building and construction markets.
Senior Customer Service & Sales Representative- Auto Arconic CorpSenior Customer Service & Sales Representative- AutoDavenport, IAInformation Ordering - The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations). Arconic Corporation is a leading provider of aluminum sheet, plate and extrusions, as well as innovative architectural products, that advance the automotive, aerospace, commercial transportation, industrial and building and construction markets.
NewCustomer Service Representative vTech SolutionCustomer Service RepresentativeDavenport, IATechnical Screening: The technical team then prepares a matrix of the particular requirements and required experience for the position and using a list of questions and the results, re-validates the candidates' technical skills. They will also be taking some in bound calls for the same reason & backing up the two full times employees as needed – dealing with billing questions, setting up new accounts, & general customer service questions.
Internet Technical Support Representative I Mediacom Communications CorpInternet Technical Support Representative IIL$15–$16.50 / hourGet to know us: Mediacom Communications is known by our Mediacom brands, including: Xtream TV, Phone and Internet, Xtream Xpert, Xtream Wifi360Pro, Xtream Hotspots, Mediacom Bolt, Mediacom Digital Home, Mediacom Business and OnMedia. Who we are: Since 1995, Mediacom Communications has become a coast-to-coast presence with operations in 22 states and a team exceeding 4,000 people with the mission of bridging the digital divide between Americas major cities and Americas smaller regions.
NewSenior Customer Sales and Service Representative, Automotive Arconic CorpSenior Customer Sales and Service Representative, AutomotiveDavenport, IAInformation Ordering - The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations). Arconic Corporation is a leading provider of aluminum sheet, plate and extrusions, as well as innovative architectural products, that advance the automotive, aerospace, commercial transportation, industrial and building and construction markets.
Customer Relations Representative - State Farm Agent Team Member Justin Cook - State Farm AgentCustomer Relations Representative - State Farm Agent Team MemberAledo, ILAs a Customer Relations Representative - State Farm Agent Team Member with Justin Cook - State Farm Agent, you will generate the kind of exceptional customer experiences that reinforce the growth of a successful insurance agency. You will enhance your career while resolving customer inquiries, coordinating with other agency team members, and anticipating the needs of the community members you support.
Customer Service Representative - State Farm Agent Team Member Justin Cook - State Farm AgentCustomer Service Representative - State Farm Agent Team MemberAledo, IL$35,000–$45,000 / yearAs a Customer Service Representative - State Farm Agent Team Member with Justin Cook - State Farm Agent, you will generate the kind of exceptional customer experiences that reinforce the growth of a successful insurance agency. You will enhance your career while resolving customer inquiries, coordinating with other agency team members, and anticipating the needs of the community members you support.
Financial Service Representative Heights Finance CorporationFinancial Service RepresentativeMoline, IL$16.75–$23.25 / hourAs a Financial Service Representative, you'll be at the heart of our customer experience-delivering exceptional service, building lasting relationships, and helping individuals secure the financial solutions they need. Other company perks include access to the Employee Assistance Program, Emergency Relief Fund, Diversity and Inclusion Council, Tuition Reimbursement, Leadership Development Programs, and potential to earn through the Monthly Bonus Program.
Financial Representative State Farm Agent Team Member Gregg Hancock State FarmFinancial Representative State Farm Agent Team MemberBETTENDORF, IOWA$60,000–$100,000 / yearPREFERRED QUALIFICATIONSBackground and work experience in financial services, business development, hospitality, banking, sales, marketing, management, education, athletics, legal, communications, real estate, entrepreneurship, military, or community influence. ROLE DESCRIPTIONAs a Financial Representative State Farm Agent Team Member with Gregg Hancock - State Farm Agent, you will successfully market the financial products that manage everyday risks.
Representative I, Patient Access -Emergency Room-full time -Evenings-Davenport Trinity HealthRepresentative I, Patient Access -Emergency Room-full time -Evenings-DavenportDavenport, IAAs an Emergency Department Registrar at MercyOne Genesis, you will: Be responsible for coordinating all patient registration activities including greeting patients/families, processing patient registration in an efficient and courteous manner, obtaining accurate patient demographics and insurance information, pre-registering patients, contacting precertification agencies when appropriate, obtaining all necessary consents and serving as the initial point of contact for patients coming into MercyOne Genesis. Performs outpatient & / or inpatient registration & insurance verification functions; collects patient financial liability payments & ensures that patients meet financial requirements including Medicare medical necessity, payer pre-certifications & referrals.
Representative I, Patient Access -Emergency Room-Part time -Nights Trinity HealthRepresentative I, Patient Access -Emergency Room-Part time -NightsDavenport, IAAs an Emergency Department Registrar at MercyOne Genesis, you will: Be responsible for coordinating all patient registration activities including greeting patients/families, processing patient registration in an efficient and courteous manner, obtaining accurate patient demographics and insurance information, pre-registering patients, contacting precertification agencies when appropriate, obtaining all necessary consents and serving as the initial point of contact for patients coming into MercyOne Genesis. Performs outpatient & / or inpatient registration & insurance verification functions; collects patient financial liability payments & ensures that patients meet financial requirements including Medicare medical necessity, payer pre-certifications & referrals.
Representative I, Patient Access - Emergency Dept-Part time -Days Trinity HealthRepresentative I, Patient Access - Emergency Dept-Part time -DaysDavenport, IAAs an Emergency Department Registrar at MercyOne Genesis, you will: Be responsible for coordinating all patient registration activities including greeting patients/families, processing patient registration in an efficient and courteous manner, obtaining accurate patient demographics and insurance information, pre-registering patients, contacting precertification agencies when appropriate, obtaining all necessary consents and serving as the initial point of contact for patients coming into MercyOne Genesis. Performs outpatient & / or inpatient registration & insurance verification functions; collects patient financial liability payments & ensures that patients meet financial requirements including Medicare medical necessity, payer pre-certifications & referrals.
Trauma Sales Representative - Quad Cities Stryker CorpTrauma Sales Representative - Quad CitiesDavenport, IAHowever, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. Employees and new hires in sales and field roles that require access to customer accounts as a function of the job may be required, depending on customer requirements, to obtain the COVID-19 vaccination as an essential function of their role.
Customer Service Representative TMX Finance Family of CompaniesCustomer Service RepresentativeDavenport, IAp>The Community Choice Financial Family of Brands ("CCF" or the "Company"), is one of the largest consumer specialty finance organizations in the U.S. We provide our customers, Team Members, and communities the Power of Choice with over 10 brands represented in more than 1,500 brick-and-mortar stores serving 24 states and online product offerings in 20 states. You'll play a pivotal role in our high-performance environment by building connections with our diverse customer base and processing transactions (i.e. check cashing, money transfers, and customer payments) while providing exceptional in-store experiences.
Representative I, Patient Access -Emergency Room-Full time -Days Trinity HealthRepresentative I, Patient Access -Emergency Room-Full time -DaysDavenport, IAAs an Emergency Department Registrar at MercyOne Genesis, you will: Be responsible for coordinating all patient registration activities including greeting patients/families, processing patient registration in an efficient and courteous manner, obtaining accurate patient demographics and insurance information, pre-registering patients, contacting precertification agencies when appropriate, obtaining all necessary consents and serving as the initial point of contact for patients coming into MercyOne Genesis. Performs outpatient & / or inpatient registration & insurance verification functions; collects patient financial liability payments & ensures that patients meet financial requirements including Medicare medical necessity, payer pre-certifications & referrals.
NewSales & Design Representative Concept Bath Systems, Inc.Sales & Design RepresentativeBettendorf, IA$38,000–$40,000 / yearThe Sales & Design Representative (SD-Rep) at Concept Bath Systems, Inc (CBS) is responsible for providing accurate and timely ‘Bath & Kitchen Remodeling’ SOWs, Sales Quotes, and Sales Contracts along with the ‘Best Customer Service' to potential CBS customers. Develop existing and new customer relationships to promote CBS’s Remodeling Services including phone inquiries, in-person sales calls, presentations, follow-up, and closed sales - reporting such activities to senior management .
Outside Sales Representative AmeriPro RoofingOutside Sales RepresentativeDavenport, IAFull timeThis position is tailormade for driven, "hunter" mentality sales professionals with a proven track record of chasing and closing new business OR those who are motivated, willing and eager to learn new skills, this is the perfect launchpad for your sales career! Educate Homeowners: Explain and build value in our products and services, our brand, discuss the insurance claims process or retail pricing with financing, ensuring the customer understands their exterior home solution options.
NewAutomotive Sales Representative Ed Morse Automotive GroupAutomotive Sales RepresentativeMuscatine, IowaFull timeWith 80+ years of industry experience, we provide excellent service to our customers and team members. Our expanding automotive group spans across FL, TX, OK, MO, IL, IA, CO, and AZ with over 60 + locations, representing 40+ automotive, powersports, and motorcycle brands.
Sales Representative Burwell Material Handling LLCSales RepresentativeBettendorf, IAPart timep>We've built our reputation by delivering smarter, safer material handling across the full lifecycle: equipment sales, rentals, service and parts, fleet telematics, and engineered automation solutions. We’re hiring an Outside Sales Representative to take charge of driving equipment sales and building long-term customer relationships in a defined territory.
Sales Representative Access SystemsSales RepresentativeDavenport, IowaJoin our Midwest-based company, founded in 1986, which has evolved into one of the largest independent technology dealers, offering the resources and rewards of a larger organization while maintaining the close-knit feel of a smaller company. In this role, you’ll partner with business leaders to provide innovative office technology solutions that help companies run smarter and more efficiently—make $70-80k+ at plan in your first year!
Firearms Customer Support Representative Rock Island Auction CompanyFirearms Customer Support RepresentativeRock Island, IllinoisRock Island Auction Company (RIAC), the #1 firearms auction house in the world, is searching for full-time Customer Support Representative in Rock Island, Illinois! Engage in active listening and problem solving with customers to answer questions, resolve issues, address concerns, and if necessary, escalate to the next level.
Sales Representative Burwell Material HandlingSales RepresentativeBettendorf, IowaWe've built our reputation by delivering smarter, safer material handling across the full lifecycle: equipment sales, rentals, service and parts, fleet telematics, and engineered automation solutions. We’re hiring an Outside Sales Representative to take charge of driving equipment sales and building long-term customer relationships in a defined territory.
Direct Sales Representative Mediacom Communications CorpDirect Sales RepresentativeILOur Awards: Mediacom is proud to have received the following recognitions: 2025 Best Managed Companies, 2024 Best Managed Companies, 2023 Best Managed Companies, 2022 Best Managed Companies, 2021 Best Managed Companies, 2019 Best Company for Women to Work, 2017 Best Company for People of Color and Women to Work, Content & Connectivity Human Resources (C2HR)'s 2021 Social Impact Award. Get to know us: Mediacom Communications is known by our Mediacom brands, including: Xtream TV, Phone and Internet, Xtream Xpert, Xtream Wifi360Pro, Xtream Hotspots, Mediacom Bolt, Mediacom Digital Home, Mediacom Business and OnMedia.
Business Services Representative - Davenport INDIAN HILLS COMMUNITY COLLEGEBusiness Services Representative - DavenportDavenport, IA$44,603–$49,408 / yearLayoff Aversion Activities to include: Ongoing engagement, partnership, and relationship-building activities with businesses in the community, in order to create an environment for successful layoff aversion efforts and to enable the provision of assistance to dislocated workers in obtaining reemployment as soon as possible. Connecting companies to state Short-Time Compensation or other programs designed to prevent layoffs or to quickly reemploy dislocated workers, business loan programs for employee skill upgrading; and other Federal, state, and local resources as necessary to address other business needs.
Field Representative - Part Time Retail Data LLCField Representative - Part TimeIAWe have been the leading provider of retail intelligence to the largest retailers in the world for over 30 years and have growing demands for additional Field Representatives to help us to collect critical retail information such as pricing, promotion, and merchandising data. Willingness to work in cold temperatures associated with grocery store refrigerator and freezer cases as some projects required collection of items in these store aisles.
Premium Services Representative I Home Office CareersPremium Services Representative IRock Island, IllinoisThis role is perfect for detailâoriented professionals looking to grow their skills while supporting members and ensuring payments are handled accurately and efficiently. Maintain a working knowledge of systems, certificate transactions, Modern Woodmen policies and procedures, state laws, tax laws, and departmental procedures related to Premium Services functions.
Marketing Representative ICC Holdings, Inc.Marketing RepresentativeRock Island, ILRemoteFour-year degree in marketing or related field of study or a minimum five years equivalent experience with a minimum of two years marketing experience in the insurance industry. Illinois Casualty Company is growing, and we have an opportunity for a Marketing Representative to join one of the leading providers of insurance protection for the food and beverage industry.
Sales Representative Access Systems - Sales & AdministrationSales RepresentativeBettendorf, IA$70,000–$80,000 / yearJoin our Midwest-based company, founded in 1986, which has evolved into one of the largest independent technology dealers, offering the resources and rewards of a larger organization while maintaining the close-knit feel of a smaller company. In this role, you'll partner with business leaders to provide innovative office technology solutions that help companies run smarter and more efficiently—make $70-80k+ at plan in your first year!
NewEntry Level Sales Representative True North Group LLC.Entry Level Sales RepresentativeDavenport, IowaTrue North Group isn't just another insurance agency; We prioritize genuine relationships, outstanding service, and a positive work environment on a mission to protect small and mid-sized businesses and their employees. Provide Ongoing Support: From answering questions about coverage details to guiding clients through a claim, you'll become a trusted advisor who businesses rely on.
Financial Representative – State Farm Agent Team Member Gregg Hancock State FarmFinancial Representative – State Farm Agent Team MemberBETTENDORF, IA$60,000–$100,000 / yearPREFERRED QUALIFICATIONSBackground and work experience in financial services, business development, hospitality, banking, sales, marketing, management, education, athletics, legal, communications, real estate, entrepreneurship, military, or community influence. ROLE DESCRIPTIONAs a Financial Representative – State Farm Agent Team Member with Gregg Hancock - State Farm Agent, you will successfully market the financial products that manage everyday risks.