Encounters Data Analyst III CareSourceEncounters Data Analyst IIIOH$83,000–$132,800 / yearCareSource takes into consideration a combination of a candidate's education, training, and experience as well as the position's scope and complexity, the discretion and latitude required for the role, and other external and internal data when establishing a salary level. Job Summary: Encounters Data Analyst III is responsible to perform analysis of all data into, out of and within CareSource in support of Encounters Revenue and Remediation efforts.
Accounts Receivable Analyst Reuter-StokesAccounts Receivable AnalystTwinsburg, OhioThe AR Credit Analyst is responsible for evaluating customer creditworthiness, managing credit risk, and supporting the company’s accounts receivable function to ensure timely collections while maintaining strong customer relationships. Apply daily customer payments (checks, ACH, wire transfers, lockbox, credit cards) to the appropriate invoices in the ERP system.
Civil Engineering Analyst Kimley-Horn and Associates IncCivil Engineering AnalystAkron, OHWe take pride in how our employee retention, robust benefits package, and company values have led to Kimley-Horn's placement on the Fortune "100 Best Companies to Work" list for 19 years! Analysts will learn one or more software programs specific to their disciplines: AutoCAD, Civil 3D, Excel, Microstation, VISSIM, Open Roads, Synchro and/or GIS.
RTL Special Assets Analyst Builders Capital ExchangeRTL Special Assets AnalystCleveland, OhioResponsible for servicing and managing a portfolio of non-performing and high-risk Residential Transitional Loans (RTL), including pre-workout credits, downgraded loans, defaulted loans, and loans in legal proceedings, with the objective of minimizing losses and liability while ensuring compliance with BC policies and applicable regulations. Minimum 1+ years of experience in special assets, credit workouts, loan servicing, or asset management with a strong focus on Residential Transitional Loans (RTL), bridge, or fix-and-flip lending or related experience.
Strategic Sourcing Analyst - Logistics & Transportation Lincoln Electric Holdings IncStrategic Sourcing Analyst - Logistics & TransportationCleveland, OHLincoln Electric's innovative solutions enable higher quality and productivity across a variety of processes including welding, cutting, brazing, machining, process automation, and field repair. Serve as the primary point of contact for freight payables issue resolution in coordination with Finance, Accounts Payable, carriers, and third-party freight audit providers.
Analyst- Health and Benefits Consulting Willis Towers Watson PLCAnalyst- Health and Benefits ConsultingCleveland, OH$70,000–$80,000 / yearWTW provides a competitive benefit package which includes the following (eligibility requirements apply): Health and Welfare: Mental health/emotional wellbeing (including Employee Assistance Program), medical (including prescription drug coverage and fertility benefits), dental, vision, Health Savings Account, Commuter Accounts, Health Care and Dependent Care Flexible Spending Accounts, company-paid life insurance, supplemental life insurance, AD&D, group accident, group critical illness, group legal, identity theft protection, wellbeing program, adoption assistance, surrogacy assistance, auto/home insurance, pet insurance, and other work/life resources. Please note that base salaries may vary for different individuals in the same role based on several factors, including but not limited to location of the role, individual competencies, education/professional certifications, qualifications/experience, performance in the role and potential for revenue generation.
Senior Underwriter-Analyst PEMCO Mutual Insurance CompanySenior Underwriter-AnalystOH$105,762–$129,264 / yearAnalytical and data-driven: Thinks analytically; a structured thinker who can put complex ideas into clear frameworks; uses data to conduct root cause analysis and develops high quality, consumable, and consistent metrics that drive strategic objectives and priorities. Maintain an underwriting territory, reviewing individual risks and aggregate trends and working with agents as needed for book quality; provide relationship-oriented service to customers, colleagues and stakeholders, including direct contact with customers.
REMOTE-Senior HRIS Analyst - (Workday) Signet Jewelers LtdREMOTE-Senior HRIS Analyst - (Workday)Akron, OHRemote$95,000–$125,000 / yearSignet Jewelers is the world's largest retailer of diamond jewelry, operating more than 2,800 stores worldwide under the iconic brands: Kay Jewelers, Zales, Jared, H.Samuel, Ernest Jones, Peoples, Banter by Piercing Pagoda, Rocksbox, JamesAllen.com and Diamonds Direct. In this role, you''ll partner with HR, business leaders, and technical teams to optimize how we use Workday, ensuring data integrity, delivering actionable insights, and supporting strategic initiatives that impact team members across the organization.
Lead Analyst, Financial Systems The J.M. Smucker CoLead Analyst, Financial SystemsAkron, OHProvide executional support to our financial close and forecasting/planning processes including providing day-to-day end user support, executing the Oracle monthly (EPM)/quarterly (ERP) release regression testing, and supporting system and process improvements. Become a key member of our Financial Systems Center of Excellence (COE) by leading application maintenance and supporting our Oracle Cloud applications (ERP and specific EPM applications).
Business Analyst Scientific Games International IncBusiness AnalystCleveland, OHWhile performing the duties of this job, the employee is regularly required to sit, stand, walk, bend, use hands, operate a computer, and have specific vision abilities to include close and distance vision, and ability to adjust focus working with computer and business equipment. In order to ensure SG complies with its regulatory and contractual commitments, as a condition to hiring and continuing to employ its employees, SG requires all of its employees to meet those requirements that are necessary to fulfill their individual roles.
Sr. Analyst, Commercial Strategy KeyCorpSr. Analyst, Commercial StrategyCleveland, OH$71,000–$125,000 / yearAs a member of the Commercial Bank Strategy Team, the Senior Analyst will work closely with the members of the team and Business Leaders across the Commercial Bank to evaluate and execute strategic business initiatives. 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.
Business Systems Analyst IV (2 openings) ConsultNetBusiness Systems Analyst IV (2 openings)Cleveland, OHFor over 25 years, we have connected thousands of consultants with meaningful roles through a personal, communication-driven approach, partnering with a diverse client base to build high-performing teams and create lasting impact. In this senior capacity, our Systems Analyst take ownership of eliciting, analyzing, validating, and managing the comprehensive requirements of diverse stakeholders, including executive leadership, customers, and end users.
Senior Business Analyst, Operations (3 OPENINGS) ConsultNetSenior Business Analyst, Operations (3 OPENINGS)Mayfield Hts, OHFor over 25 years, we have connected thousands of consultants with meaningful roles through a personal, communication-driven approach, partnering with a diverse client base to build high-performing teams and create lasting impact. The Business Analyst will work as a liaison among various stakeholders to elicit, analyze, communicate, validate and document requirements for changes to business processes, policies and information systems.
Summer Analyst INISGHT2PROFITSummer AnalystBeachwood, OhioInternRelevant fields of study include business, finance, management, economics, statistics, actuarial science, data science, data analytics, mathematics, engineering, computer science or a related field. Overview: The 9-week Summer Analyst role offers hands-on experience working with clients, team members, and leadership in a consulting environment.
Credit Analyst KeyCorpCredit AnalystBrooklyn, OH$52,000–$80,000 / yearGeneral Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs. Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (both personal and business) to determine creditworthiness and the degree of risk involved in extending credit or lending.
Senior Financial Analyst Medical MutualSenior Financial AnalystCleveland, OhioWhether you are working remote or in the office, employees have access to on-site fitness centers at many locations, or a gym membership reimbursement when there is no Medical Mutual facility available. As the official insurer of everything you love, we are trusted by businesses and nonprofit organizations throughout Ohio to provide high-quality health, life, disability, dental, vision and indemnity plans.
Senior FP&A Analyst Medical MutualSenior FP&A AnalystCleveland, OhioWhether you are working remote or in the office, employees have access to on-site fitness centers at many locations, or a gym membership reimbursement when there is no Medical Mutual facility available. As the official insurer of everything you love, we are trusted by businesses and nonprofit organizations throughout Ohio to provide high-quality health, life, disability, dental, vision and indemnity plans.
Business Analyst Scientific GamesBusiness AnalystCleveland, OhioWhile performing the duties of this job, the employee is regularly required to sit, stand, walk, bend, use hands, operate a computer, and have specific vision abilities to include close and distance vision, and ability to adjust focus working with computer and business equipment. In order to ensure SG complies with its regulatory and contractual commitments, as a condition to hiring and continuing to employ its employees, SG requires all of its employees to meet those requirements that are necessary to fulfill their individual roles.
Business Data Analyst - Healthcare Billing Quadax, Inc.Business Data Analyst - Healthcare BillingMiddleburg Heights, OH$85,000–$95,000 / yearPart timeThis role will serve as a critical link between business stakeholders and IT, ensuring that billing processes are optimized, compliant, and aligned with organizational goals. We are seeking a detail-oriented and technically proficient Technical Business Analyst with expertise in healthcare billing systems to join our team.
Project Controls Analyst CarianProject Controls AnalystAkron, OhioThis role is highly analytical and execution-focused, supporting multiple Project Managers simultaneously and ensuring financial, schedule, and project data remain accurate, integrated, and decision-ready. We partner with leading electric and gas utilities to provide strategic advisory and disciplined execution across program management, business intelligence, and field execution oversight.
NewInvestment Banking Analyst/Associate Selby Jennings LtdInvestment Banking Analyst/AssociateWadsworth, OHAssociates at the firm participate in every stage of the deal lifecycle supporting initial pitches, leading analytical workstreams, interfacing with clients, and helping drive transactions to close. This is a strong opportunity for a driven professional to gain meaningful transaction experience, assume significant responsibility, and work closely with senior bankers in a collaborative, entrepreneurial environment.
Application Configuration Analyst - Work Management & GIS FirstEnergy CorpApplication Configuration Analyst - Work Management & GISAkron, OHdevelop charters, develop and execute work plans, align with SAP platform release schedule, monitor releases progress, coordinating activities between IT teams, with the business units and with vendors, monitoring progressand communicating with stakeholders. Headquartered in Akron, Ohio, FirstEnergy includes one of the nation''s largest investor-owned electric systems, more than 24,500 miles of transmission lines that connect the Midwest and Mid-Atlantic regions, and a regulated generating fleet with a total capacity of 3,780 megawatts.
Business Systems Analyst III ConsultNetBusiness Systems Analyst IIICleveland, OHFor over 25 years, we have connected thousands of consultants with meaningful roles through a personal, communication-driven approach, partnering with a diverse client base to build high-performing teams and create lasting impact. In this senior capacity, our Systems Analyst take ownership of eliciting, analyzing, validating, and managing the comprehensive requirements of diverse stakeholders, including executive leadership, customers, and end users.
Sr Project Management Analyst Motorola Solutions IncSr Project Management AnalystOhio, OH$105,000–$120,000 / yearBachelors Degree OR 5+ years of experience in one of the following: LMR, RF Systems, Data Analytics, Quality, Reporting, Motorola equipment, Telecommunications, Public Safety, Engineering, Networking P25, WAVE VoIP, or Military experience. Cross-Functional Collaboration: Partner with Supply Chain, Product Groups, Sales, and Deployment teams to drive unified resolutions for quality issues.
Sr Financial Analyst, FP&A RanpakSr Financial Analyst, FP&APainesville, OhioRanpak is looking for a sharp, forward-thinking Senior Financial Analyst to help steer our business through smart forecasting, insightful analytics, and collaborative planning. Deliver Insightful Analytics : Provide deep-dive analysis on pricing, volume, expenses, and customer profitability to help leaders make smarter decisions.
Senior Management Reporting Analyst - Regulatory Reporting Governance Keybank National AssociationSenior Management Reporting Analyst - Regulatory Reporting GovernanceBrooklyn, OH$69,000–$105,000 / yearRather than producing regulatory reports directly, this role focuses on advising and supporting report owners by strengthening governance practices, enhancing control environments, and helping teams identify, prioritize, and resolve issues impacting the accuracy and integrity of regulatory submissions. This role sits within a growing team that is building governance frameworks, policies, and operating routines from the ground up and will play a critical part in driving alignment, transparency, and accountability across report owners, finance, risk, technology stakeholders, and second line partners.
Legal Content Analyst RELX Group plcLegal Content AnalystOhio, OH$53,900–$89,800 / yearOur company has been a long-time leader in deploying AI and advanced technologies to the legal market to improve productivity and transform the overall business and practice of law, deploying ethical and powerful generative AI solutions with a flexible, multi-model approach that prioritizes using the best model from today's top model creators for each individual legal use case. Working across legal, operations, technology, vendor management, and product teams, this role helps drive content expansion, operational excellence, automation initiatives, and continuous improvement.
Marketing Analyst Hose MasterMarketing AnalystEuclid, OhioFounded in 1982, Hose Master has established itself as the first choice in metal hose and metal expansion joints for industrial markets including power generation, refining and petrochemical, steel, pulp and paper, chemical processing, marine and offshore, liquid terminals, and bulk material handling. Headquarters in Cleveland OH with regional facilities in Houston TX, Atlanta GA, and Reno NV, Hose Master is North America’s largest manufacturer of flexible metal hose and metal bellows expansion joints, with over 450,000 square feet of manufacturing space.
Epic Certified Willow Home Infusion Analyst 6340181 Accenture PlcEpic Certified Willow Home Infusion Analyst 6340181Cleveland, OHIn addition to delivering innovative solutions for Accenture's clients, you will work with a highly skilled, diverse network of people across Accenture businesses who are using the latest emerging technologies to address today's biggest business challenges. Job Description: The Epic Certified Willow Home Infusion Analyst serves as the SME and technical lead for home infusion pharmacy workflows within Epic, supporting the continuum of care from hospital discharge through home-based infusion therapy.
Sunquest Information System (LIS) Analyst 6116803 Accenture PlcSunquest Information System (LIS) Analyst 6116803Cleveland, OHIn addition to delivering innovative solutions for Accenture's clients, you will work with a highly skilled, diverse network of people across Accenture businesses who are using the latest emerging technologies to address today's biggest business challenges. Job Description: Sunquest Information System (LIS) Analyst will bring experience managing applications, with a strong background in managing day-to-day operations, client stakeholder relationships, and collaboration with offshore teams.
Production Planning and Control Analyst OMCO (a MacLean-Fogg Company)Production Planning and Control AnalystWickliffe, Ohio$65,000–$70,000Across our companies, we share a commitment to Integrity, People, Customers, and Stewardship while investing in our people, manufacturing capabilities, customers, and communities. In this role, you will oversee production scheduling, optimize labor and resource utilization, analyze performance, and coordinate across functions to support efficient production and customer requirements.
Business Intelligence (BI) Analyst - Onsite/Hybrid role GEMCOREBusiness Intelligence (BI) Analyst - Onsite/Hybrid roleHudson, OHGEMCORE is seeking an experienced and strategic BI Analyst to focus on the design, development, and delivery of reporting and analytics solutions using Power BI, relational databases, semantic models, and ad hoc data requests. We are seeking a mission-driven leader who shares our passion for delivering exceptional patient care, operational excellence, and best-in-class diabetes support.
Epic Certified Analyst - EpicCare Cadence & Prelude 6164543 Accenture PlcEpic Certified Analyst - EpicCare Cadence & Prelude 6164543Cleveland, OHIn addition to delivering innovative solutions for Accenture's clients, you will work with a highly skilled, diverse network of people across Accenture businesses who are using the latest emerging technologies to address today's biggest business challenges. Core Responsibilities: Depending on the client engagement, the Epic Patient Access Consultant will be responsible for collaborating with Accenture team, software vendor team, and client in the following areas.
Epic Certified Willow Inpatient Analyst 5340180 Accenture PlcEpic Certified Willow Inpatient Analyst 5340180Cleveland, OHIn addition to delivering innovative solutions for Accenture's clients, you will work with a highly skilled, diverse network of people across Accenture businesses who are using the latest emerging technologies to address today's biggest business challenges. Job Description: Epic Willow Inpatient Analyst serves as the subject matter expert (SME) for inpatient pharmacy workflows and configurations within the Epic EHR platform.
Sr Analyst, Accounts Payable Nestle SASr Analyst, Accounts PayableSolon, OHFrom defining requirements to communication and change management within the business and 3rd parties Based on data-driven insights (e.g., year-over-year and month-over-month trend analysis, aging analysis) to implement solutions that drive working capital improvements from a payable's perspective. Serve as SME/Project Lead for strategic Accounts Payable and S2P transformation projects from business case development through execution and benefit realization for automation, reporting, process redesign, and business onboarding to shared service solutions.
Freight Procurement Analyst Avery Dennison CorpFreight Procurement AnalystMentor, OH$76,275–$113,904 / yearActual salaries will vary within the range, and in some circumstances may be above or below the range, based on various factors including but not limited to a candidate's relevant skills, experience, education and training, and location, as well as the job scope and complexity, responsibilities, and regular and/or necessary travel required for the position, which may change depending on the candidate pool. We are Making Possible products and solutions that help advance the industries we serve, providing branding and information solutions that optimize labor and supply chain efficiency, reduce waste and mitigate loss, advance sustainability, circularity and transparency and better connect brands and consumers.
Import Export Analyst I Belcan LLCImport Export Analyst IStrongsville, OHThis would include entering purchase orders into Oracle ERP, following up with the manufacturing site/distribution center responsible for shipping the order, working with freight forwarders to plan the shipments, communicating with other Client regions on order status reports, and generating shipping documents. The Export Coordinator ensures that all Client affiliate and direct customer needs are promptly addressed by responding to customers" requests, orders, questions, and concerns in a timely and accurate manner, while exercising the highest level of service and quality.
NewClinisys Sunquest LIS Application Senior Analyst 6403728 Accenture PlcClinisys Sunquest LIS Application Senior Analyst 6403728Cleveland, OHIn addition to delivering innovative solutions for Accenture's clients, you will work with a highly skilled, diverse network of people across Accenture businesses who are using the latest emerging technologies to address today's biggest business challenges. Job Description: Sunquest Information System (LIS) Analyst will bring experience managing applications, with a strong background in managing day-to-day operations, client stakeholder relationships, and collaboration with offshore teams.
Cyber Security Analyst Booz Allen Hamilton Inc.Cyber Security AnalystCleveland, OH$69,400–$158,000 / yearOnsite: If this position is listed as onsite, work will primarily be performed at a Booz Allen office or customer facility, where employees will collaborate directly with colleagues and customers as required by the role. Salary at Booz Allen is determined by various factors, including but not limited to location, the individual's particular combination of education, knowledge, skills, competencies, and experience, as well as contract-specific affordability and organizational requirements.
Lead Business Analyst (Finance) Emerson Electric CoLead Business Analyst (Finance)Elyria, OH$105,000–$145,000 / yearThrough our deep domain expertise and legacy of flawless execution, Emerson helps customers in critical industries like life sciences, energy, power and renewables, chemical and advanced factory automation operate more sustainably while improving productivity, energy security and reliability. We have built an engaged community of inquisitive, dedicated people who thrive knowing they are welcomed, trusted, celebrated, and empowered to solve the world's most complex problems - for our customers, our communities, and the planet.
Mgr Data Analyst Sedgwick Claims Management Services, Inc.Mgr Data AnalystTelecommuter, OH$87,179–$101,000 / yearPRIMARY PURPOSE: To manage a staff of data analysts; to develop complex reports and analyze company data including Corporate or client specific data; to serve as a technical resource for company staff on data analysis and benchmarking issues; to meet with clients on such issues as necessary; to provide training and data analysis education for program staff; and to provide technical oversight and guidance to client dedicated analysts located in multiple field offices. Mental: Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines.
Cyber Security Analyst III/Senior The Federal Reserve SystemCyber Security Analyst III/SeniorCleveland, OH$137,000–$171,300 / yearAdvanced knowledge in: NIST, ITIL, COBIT, guidelines, security analytics, network architecture / perimeter security, network monitoring and analysis, threat intelligence and advanced threats, authentication, secure coding / application development, penetration testing, cyber incident response, web based attacks and mitigations, cyber risk assessment and strategic analysis, vulnerability detection and assessment, mobile device management, and digital forensics and advanced security tools (e.g. The selected candidate will support the Cybersecurity Analytics Support Team (CAST) function by actively working with CAST personnel, supervisory staff and Board of Governors' staff concerning ongoing cyber incidents within supervised institutions as well as emerging threats potentially impacting the United States financial sector.
Technical Operations Analyst LeafHomeTechnical Operations AnalystHudson, OHFull timeThe Installation Support Specialist provides remote technical support, diagnostics, and operational analysis for installation and service activities. Utilize CRM and field systems to document issues, track resolutions, and maintain data accuracy.
Customer Supply Chain Analyst - Hybrid Stanley Black & Decker IncCustomer Supply Chain Analyst - HybridOH$62.20–$100.20 / hourLearning & Development: Our lifelong learning philosophy means you'll have access to a wealth of state-of-the-art learning resources, including our Lean Academy and online university (where you can get certificates and specializations from renowned colleges and universities). We are committed to ensuring our state-of-the-art "smart factory" products and services provide greater quality to our customers & greater environmental and social value to our planet.
NewIT Specialist - Business Analyst Eaton CorporationIT Specialist - Business AnalystBeachwood, OH$113,000–$165,000 / yearAfter making a conditional offer and running a background check, if Eaton is concerned about conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction, provide mitigating evidence, or challenge the accuracy of the background report. Only candidates that currently reside within the immediate geographical area of 50 miles of Beachwood OH, Galesburg MI, Houston TX, Menomonee Falls WI, Moon Township PA, or Raleigh NC will be considered.
Regional Board-Certified Behavior Analyst (BCBA) ChanceLight IncRegional Board-Certified Behavior Analyst (BCBA)OH$95,000–$105,000 / yearChanceLight Behavioral Health, Therapy, & Education, a growing, dynamic organization with a social mission to offer hope, is seeking a Regional Board-Certified Behavior Analyst (BCBA) to join our award-winning Special Education team and perform meaningful work in a culture that welcomes innovation, encourages creative expression and offers limitless potential for personal and professional satisfaction! Prior experience and/or highly knowledgeable in training and implementing applied behavior analysis (ABA) techniques including effective teaching strategies, classroom management, data-driven decision-making, functional behavior analysis (FBA) and behavior intervention plans (BIP) in an educational setting.
Senior Fitness for Service Analyst SI Solutions, LLCSenior Fitness for Service AnalystAkron, OHFull timeHiring decisions for such positions must comply with these regulations and may result in SIA limiting its consideration of foreign nationals who are citizens of countries that are not on the DOE’s Generally Authorized Destinations List: https://www.ecfr.gov/current/title-10/chapter-III/part-810/appendix-Appendix%20A%20to%20Part%20810. Certain positions at SIA may require access to information and technology which is subject to Export Administration Regulations 15 CFR 730-774, including those of the US Department of Energy (DOE) in 10 CFR 810 and Nuclear Regulatory Commission (NRC) 10 CFR Part 110.
Senior Tax Analyst Nordson CorporationSenior Tax AnalystWestlake, OHPrepare and review international portions of the U.S. consolidated federal return (Forms 5471, 8858, 1118, 8990-8993, etc.), including calculations for E&P, Subpart F, GILTI, FDII, BEAT, FTCs, and Section 163(j). Prepare and/or review U.S. Federal Consolidated 1120, state and local income tax returns, extensions, estimated payments, and supporting workpapers.
Senior Actuarial Analyst - Reserving Ally Financial IncSenior Actuarial Analyst - ReservingOHRemote$85,000–$150,000 / yearOur Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including: Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level). Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
Senior Analyst, FP&A Goosehead Insurance AgencySenior Analyst, FP&AWestlake, OhioThe Senior Analyst, Financial Planning & Analysis (FP&A) plays a key role in supporting strategic decision-making by deliveringaccurate,timely, and insightful financial analyses. GooseheadInsurance has been disrupting the insurance industry by giving clients the power of choice,utilizinga smarter marketing approach, and delivering world class service.