Health & Benefits Resume Sample
Ova Botsford
198 Kara Shoal,
Philadelphia,
PA
+1 (555) 389 6150
Work Experience
Health & Benefits Sales Manager, CA Sales
05/2016
-
PRESENT
Dallas, TX
- Act as project support on targeted client/prospects including data analysis, strategy design and development, vendor selection and implementation, measurement and engagement/communication approach
- Take initiative on building internal relationships
- Marketing – prepare, correspond and distribute RFP’s to vendors. Prepare marketing results, financial ratings and disruption analysis for all lines of coverage. Prepare compliance and transparency authorization to the client
- Actively engage in peer review: have documents reviewed before going to client and review others’ documents
- Identifying gaps between client needs and existing Aon services; proposing and developing service enhancements, adding to Aon’s product/service portfolio and intellectual capital
- Establishing and using broad network of external contacts to gain market insight into client service expectations; sharing knowledge across the organization to enhance Aon’s ability to excel at client focus
- Continually reviewing client accounts and relationships and recommending ways to enhance the value Aon brings to the client based on a deep understanding of the client’s business and insight into industry trends
- Providing analysis of clients’ financial and underwriting results and preparing reports and letters, and other related group benefit projects
- Provide analysis of clients’ financial and underwriting results, and other related group benefit projects
Health & Benefits Actuary
07/2012
-
04/2016
New York, NY
- Recommend and Implement the approved actions and workarounds required to mitigate project risk events in order to minimize the impact of the risks on the project
- Conduct a kick-off meeting with all key stakeholders in order to announce the start of the project and review the overall project plan and gain consensus
- Listens intently to what other people are saying, taking time to understand the points being made, asking questions when appropriate, and allowing others to speak without interrupting them
- Inspires loyalty and trust, handles oneself ethically following core values and beliefs
- Builds mutual trust and encourages respect and cooperation among team members
- Open to diverse points of view, treats people with respect
- Champions best practices and adherence to project management methodology
- Work at a strategic level to understand the client’s business and to recognize the potential for integrated opportunities
Health & Benefits Intern
10/2006
-
05/2012
Philadelphia, PA
- Assists with managing scope of services
- Works in oversight of consultant to finalize project and monitors time spent and project budget at first level
- Possess a fundamental understanding of the Health & Benefits practice, and participates as needed on task forces and special project teams
- Strong verbal and written communication skills – ability to convey complex concepts in layman’s terms
- Participate in and assist our client teams with design and recommendations for time off, disability, leave, workers’ compensation and return to work policies, plans and administration
- Responsible for managing the pipeline for Aon’s multiple H&B new business channels
- Manage changes to the project scope, project schedule, and project costs using appropriate verification techniques in order to keep the project plan accurate, updated, reflective of authorized project changes as defined in the change management plan, and facilitate customer acceptance
- Manage execution of the tasks as defined in the project plan in order to achieve the project goals
Education
Tulane University
2000 - 2005
Bachelor's Degree in Actuarial Science
Professional Skills
- Strong analytical and mathematical skills; strong command of Excel Excellent interpersonal skills; strong oral and written communication skills
- Underwriting, pricing or other financial experience and client service skills
- Proficiency with MS Office Suite, including strong excel skills
- Attends client meetings/conference calls - strong presentation skills
- Frequent client interaction over the phone and in person, strong client relationship skills
- Demonstrated supervisory and leadership skills; ability to model desired work values and practices for all team members
- Detail-oriented, strong mathematical skills
How to write Health & Benefits Resume
Health & Benefits role is responsible for basic, consulting, communications, underwriting, insurance, training, finance, microsoft, excel, clear.
To write great resume for health & benefits job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Health & Benefits Resume
The section contact information is important in your health & benefits resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Health & Benefits Resume
The section work experience is an essential part of your health & benefits resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous health & benefits responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular health & benefits position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Health & Benefits resume experience can include:
- Conduct accounting disclosures, claims analyses, costings, projections, and periodic experience updates as required to assist in the financial management of clients’ insurance plans
- Strong interpersonal, organization, communication and technical writing skills
- Strong organizational, mathematical, multitasking and time management skills
- Knowledge and experience with healthcare benefits, particularly experience administering an employer sponsored group health insurance program
- Familiarity or experience with group insurance benefits would be an asset (through work experience, CEBS GBA designation or working towards it)
- Prior experience working with PowerPoint
Education on a Health & Benefits Resume
Make sure to make education a priority on your health & benefits resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your health & benefits experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Health & Benefits Resume
When listing skills on your health & benefits resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical health & benefits skills:
- Experience communicating effectively with high levels of management and direct client contact
- Strong computer skills including, Microsoft Office Suite and HR, Benefits and Finance Systems
- Underwriting and actuarial skills
- Proficient in Microsoft Word, PowerPoint and advanced skills in Excel; statistical modeling software, and statistical programming
- Experience in Consulting, industry or analytical experience preferable
- Three years’ experience with proven increase in responsibility in human resources, finance, or relevant business function
List of Typical Experience For a Health & Benefits Resume
1
Experience For Health & Benefits Actuary Resume
- Strong analytical capabilities including an understanding of advanced mathematics and statistical concepts
- Proven sales leadership gained in a consulting environment
- Execute on strategic staffing plans, including all people processes (recruiting, deployment, performance management, development and engagement)
- Exhibit leadership in business judgment in anticipating clients’ needs and developing alternative solutions
- Resolve day-to-day escalated service issues, including eligibility, billing, and claim issues
- Track record of success in managing client relationships and leading intenal teams
- Develop employee contributions scenarios and project contributions to the next plan year, taking into account the cost-sharing goals of the client
- Conduct underwriting analysis based on clients’ plan history and change in risk to negotiate the best insurance rates possible on their behalf
- Gain thorough understanding of Health and Benefits products, services and tools
2
Experience For Health & Benefits Consulting Analyst Resume
- Through knowledge of forecasting methodologies and tools used to evaluate employer and employee contributions, estimate claims trends and calculate liabilities
- Prepare budgets, periodic reporting, and provide self-insured analysis
- Complete non-discrimination testing
- Comfortable working with details on a daily basis for prolonged periods of time
- Help to manage client budgets and cost of services
- Works in oversight of other consultants to finalize project and monitors time spent and project budget at first level
- · Able to develop conclusions from analyses and apply results to the organization’s business operations
3
Experience For Health & Benefits Analyst Resume
- Provide claims analyses, costings, projections, and periodic experience updates as required to assist in the financial management of clients’ insurance plans
- COBRA, HIPAA, 5500’s issues
- Serve as a subject matter expert on the client’s carrier plans and procedures; with the ability to interpret, understand and execute the client’s carrier plans and procedures. Support Open Enrollment activities, including but not limited to: project plan tasks, testing, production validation, dual year processing, etc
- Understand clients’ needs and identify products and services to support needs
- Multi-state and mid-size (200 - 10,000 employees) clients
- Work with other H&B Leaders to better understand our customers’ current and future challenges and uses that information to explore potential solutions
4
Experience For Health & Benefits Sales Manager, CA Sales Resume
- Business Acumen & Results: Positions Aon to achieve industry leading growth while maintaining profitability; communicates what success looks like; identifies emerging opportunities and prioritizes investments accordingly
- Cross-cultural Competence & Collaboration: Models questioning assumptions; seeks out collaborative opportunities across business segments in order to drive results; leverages diversity and inclusion; leads by example; promotes collaboration across the organization
- Influence: Focuses organization in a common direction; supports experimentation and innovation to ensure our competitive advantage
- Developing Self & Others: Translates strategic direction; seeks opportunities to involve team in key initiatives; holds team members accountable for developing direct reports
- Client Knowledge: Contributes knowledge and insight to the industry and clients through professional engagements
- Quality Management: Manages resource allocation decisions to maximize effectiveness; sets standards for quality and performance expectations; adjust priorities, strategies and resources in response to internal and external environmental changes
- Business Development: Participate in business development meetings with existing clients and prospects; be knowledgeable about our broad capabilities in H&B and Innovation specifically, and be able to translate one’s own subject matter expertise into a value proposition that compels an employer to engage Aon as their consultant
- Includes both post retirement and post-employment benefits programs
- Conduct accounting disclosures, claims analyses, costings, projections, and periodic experience updates as required to assist in the financial management of clients’ insurance plans; and
5
Experience For Cigna Global Health Benefits Resume
- Assist in preparing client presentations (PowerPoint design work)
- Confidently and knowledgably educate clients about the benefits of massage, our wellness program, and related products in order to build your clientele
- Promote therapeutic benefits of regular massage therapy lifestyle programs
- Complete accurate client intake/treatment notes
- Projecting appropriate retiree medical exchange product options by reviewing the client’s retiree cost and enrollment data for both pre-Medicare and post-Medicare. Develop appropriate solution set for client situation from Mercer’s Individual Exchange suite of products from Transition Assist and GetInsured
6
Experience For Senior Analyst, Health Benefits Resume
- Develop appropriate tools and models for Mercer Marketplace’s group insurance product portfolio. Educate colleagues as to use of the tools and perform client presentations
- Produces periodic audit of company’s enrollment and ensures accuracy
- Leads strategic decision making for the City’s health, dental, life and related benefits, including identifying issues, presentation of data analysis and other research to the City’s management team, and providing expertise in final decisions
- With other senior managers, actively participates in, leads, and negotiates benefits with the City’s Public Employee Committee, which is the authorized and exclusive health insurance bargaining representative for the coalition of public employee bargaining units and retirees of the City of Boston
- Maintains a comprehensive understanding of the City’s health related benefits, City specific enrollment, claims, and benefit issues, and external marketplace and municipal trends
7
Experience For Director of Health Benefits Resume
- Assures staff’s ability, and when necessary personally counsels active employees and retirees about the Medicare enrollment process and the City’s Medicare Supplement Plans
- Maintains a strong understanding of federal and state laws that govern the provision of health insurance to municipal employees including M.G.L. Chapter 32B and the Affordable Care Act. Monitor major changes at the State’s Group Insurance Commission and develop relationships with relevant state and local government officials
- Maintains strong relationships with external vendors, such as insurer’s account representatives, and internal partners, such as finance and IT staff, in order to facilitate accurate and timely benefit administration
- Champion and coordinate the City’s wellness programs by being an active member in the Wellness Committee
- Maintain and cultivate client relationships at all levels, seeking to understand their human capital needs and articulating Willis Towers Watson’s employee value proposition, products, services and resources
- Contribute to employee benefit strategy: Analyze employee benefit programs and make recommendations to improve effectiveness of clients’ employee benefits programs/design, policies and practices
8
Experience For Health & Benefits IT Project Manager Resume
- Understand, articulate and implement key Willis Towers Watson value-added resources (legal resources/file 5500’s; employee benefit brochures and communications; etc.)
- Maintain and cultivate strong carrier relationships to enhance Willis Towers Watson’s position in the marketplace, including understanding and articulating current product offerings, trends and coverage options.
- Responsibilities include but are not limited to: running the jobs, conducting peer review where necessary, researching exceptions, making corrections in administration system, tracking metrics as needed, file archiving as needed. Conduct file transmission troubleshooting and error resolution. Serve as the key resource for day-to-day file issues
- Serve as a subject matter expert on the client’s carrier plans and procedures; with the ability to interpret, understand and execute the client’s carrier plans and procedures
- Support project plan tasks for file programming change, including but not limited to: requirements gathering, testing, post-production validation
- Support reporting and status tracking of outbound file processing
- Fully understand the prospect companies business and structure and ensure that the prospect client view Mercer as an automatic choice by understanding fully Mercer’s services and offerings and how these services can assist their business
- Experience in benefits and/or workplace mental health programs
- Demonstrate knowledge of the regional and local vendor marketplaces and leverage that knowledge on clients’ behalf
9
Experience For Public Health Benefits Navigator Resume
- Knowledge of the French African vendor marketplaces
- Previous P&L leadership is desirable
- Support client retention ratio at or above the WTW North American average
- Communicate advanced knowledge of Willis Towers Watson Value Proposition and Health & Benefits products & services to support new business
- Typical size: 100 to 5,000 employees
10
Experience For Benefits Manager, Mental Health Benefits Resume
- Provide value-added consulting expertise on projects including health and welfare plan re-design, pricing, retiree medical valuations, funding and employee contribution strategies, reserve calculations, benchmarking studies, negotiations and plan renewals
- Develop & cultivate strong carrier relationships to enhance Willis Towers Watson’ position in the market place
- Perform basic cost projections by entering the client’s cost and enrollment data into an Excel spreadsheet and projecting costs for the next plan year
- Analyze vendor renewals by checking carrier or vendor’s plan rates for reasonableness and by analyzing claims and enrollment data, trend rates, administrative expenses and other charges
- Price medical and prescription drug plan designs by entering plan design information into Mercer’s internal pricing model to develop the relative cost differences between plan designs, in order to compare the client’s current plan to alternative designs
- Gathering benchmarking utilization or rate data from the vendors via a Request for Proposal (RFP); summarizes the responses from the RFP for presentation to the client by team members
- Learns the basics of products, services and tools - gain an understanding of vendor/carrier markets, basic underwriting and financial skills, products, services and technical tools, and intranet resources and participates in training courses, online learning, or through learning from more experienced colleagues
List of Typical Skills For a Health & Benefits Resume
1
Skills For Health & Benefits Actuary Resume
- Strong analytical skills and comprehension of insurance underwriting and actuarial concepts
- Interpersonal, organization, communication and technical writing skills are required
- Project management skills with the ability to work independently and alongside advance level Actuaries
- Strong understanding and working knowledge of Benefits laws and regulations
- Experience working independently in a matrix reporting structure
- Experience in managing multiple people and projects and producing quality deliverables on time and within budget
2
Skills For Health & Benefits Consulting Analyst Resume
- Consulting or Global Benefits experience
- Demonstrate subject matter expertise by contributing to the innovation of Mercer’s intellectual capital
- Experience in a benefits consulting firm
- 15+ yrs. Health and Benefit consulting and/or leadership experience
- Flexibility with client’s priorities, evolving needs, and goals
- Actuarial work experience
3
Skills For Health & Benefits Analyst Resume
- Two years’ experience in health and welfare benefits
- Two years’ work experience in human resources or finance area of an organization
- Strong background in design, development and delivery of Benefit programs for large multinational company(ies)
- Experience/exposure to managing the operational aspects of a business
- Proven ability to recognize and diagnose issues, work in teams, and leverage the resources of other related practices to address client challenges
4
Skills For Health & Benefits Sales Manager, CA Sales Resume
- Eight or more years of insurance industry experience related to servicing accounts
- Proven ability to apply statistics and participate as a contributing team member
- Healthcare, health insurance or related industry experience
- Proven ability to work independently and alongside actuarial vendors
- Experience in health benefit administration and project management
- Experience using PeopleSoft or other Human Resources Information System to administer a benefits plan – including creating and analyzing reports
- Experience in leading business process change through adoption of information technology
- H&B experience
- Experience
5
Skills For Cigna Global Health Benefits Resume
- Health or relevant actuarial experience
- Designing, distributing, and evaluating responses to surveys and RFPs
- Pricing and evaluation of consumerism plans using Mercer’s internal pricing model to compare designs where consumers have a greater ownership in costs
- Analyzing and comparing vendor products, services, and contracts
- Working knowledge of Workday, SAP, Salesforce, automated benefit systems, etc
6
Skills For Senior Analyst, Health Benefits Resume
- Coordinating the placement of benefits for our clients in key international markets
- Assisting with the preparation of clear and concise client-friendly communications
- Gain an expert level of understanding of the following, through online training, group sessions, or one-on-one training with others in a more senior role
- Generate sales by expanding revenues from existing clients and by leading prospecting efforts with new clients.
- Assist in researching, strategizing and implementing client solutions
- Budget-setting, rate-setting and evaluation
7
Skills For Director of Health Benefits Resume
- Perform credit control by sending outstanding premium reminders to clients
- Technical understanding to solve demanding financial and risk management problems
- Analytical capabilities including an understanding of advanced mathematics and statistical concepts
- Understands the underlying politics of the organization including alliances and rivalries, both within Aon and within clients’ organization
- Perform modeling and projections for employee benefit programs, including calculation of premium equivalent rates for self-insured health benefit plans
- Develop IBNP reserves using Mercer’s proprietary reserving model and deliver results to clients
- Knowledge of emerging Global Market trends, cultural and competitive practices and legislation
8
Skills For Health & Benefits IT Project Manager Resume
- Advice with respect to benefit program risk retention and risk transfer, including stop loss insurance deductibles
- Provide stochastic modeling to develop surplus requirements for health benefit funds
- Comprehensive knowledge of health insurance rate setting, current development and trends
- Analyze and interpret various types of health care data including claims data, encounter data and financial reports
- Model the cost impact of benefit plan changes under consideration, including impact of migration among plans
- Assist in the development of employee contribution strategies, including defined contributions
9
Skills For Public Health Benefits Navigator Resume
- Handle multiple tasks in a demanding fast-paced work environment
- Commitment to professional development. Completion of at least 2 SOA exams, and working towards completion of ACIA and ASA designation
- 15+ yrs. Health and benefit consulting and/or leadership
- Commitment to professional development. Completion of at least 3 SOA exams, and working towards completion of ACIA and ASA designation; and
- Provide specific functional and technical expertise to help develop presentation materials and pricing to prospects
10
Skills For Benefits Manager, Mental Health Benefits Resume
- Understand and follow ME policies and procedures: implied/ informed consent, draping, etc
- Create presentations and write business cases for senior leadership
- Solve very complex problems and deal with a variety of work situations
- Health and Benefits products, services and technical tools offered by Mercer Marketplace and core EH+B
- Vendor/carrier markets and products
- Experience working in a Consulting or Global Benefits function or related with a strong background in design, development and delivery of benefit programs for large multinational company(ies)
- Experience using Workday, SAP, Salesforce, automated benefit systems, etc
- Serve as external client facing resource and senior consultant; manage teams and serve as mentor and coach
List of Typical Responsibilities For a Health & Benefits Resume
1
Responsibilities For Health & Benefits Actuary Resume
- Contributes to the preparation of client presentations - create basic draft presentations to summarize client data obtained from vendors consultants; develops charts in Excel to summarize data for use in PowerPoint
- Enhance data, process and project management skills
- Related experience with health and benefits and/or wellness required
- Professional work experience
- Manages all client files- ensuring that the most recent correspondence and client information is documented
- The ability to use Excel to manipulate and analyze data, as well as a working knowledge of MS Powerpoint and Word
2
Responsibilities For Health & Benefits Consulting Analyst Resume
- Manage actuarial projects from start to finish
- Act as the senior client contact
- Prepare and deliver clear and concise client-friendly communications
- Understand & identify issues face by client and support resolution
- Understand solutions offered by Mercer to be able to have high level discussion with clients and identify opportunities
- Support the use of Willis Towers Watson’s BenefitsManager, BenTrack, Benefits Data Source, BenVals and other tools to help clients to maximize the value from the information collected,
- A keen interest in the International (global) benefits arena
- Strong command of health benefits administration including familiarity with the major plan sponsors in the municipal insurance market and understanding of the Medicare enrollment process and Medicare supplement products
- License or Certificate Requirements
3
Responsibilities For Health & Benefits Analyst Resume
- Performing financial analyses, including developing pricing, creating employee contribution strategies, modelling plan design alternatives, and calculating reserves
- Performing financial analyses, including developing pricing, creating employee contribution strategies, modeling plan design alternatives, and calculating reserves
- Recent experience in health benefits field
- Multi-state, 200 - 2,000 employees, $5M - $200M in plan assets
- Significant volume of private equity acquisition target plan evaluations, in addition to many clients actively involved in mergers and acquisitions
- Assist senior consultants in the review and analysis of client’s benefit program strategies
4
Responsibilities For Health & Benefits Sales Manager, CA Sales Resume
- Encourages and cultivates enhanced business opportunities with existing and potential clients through representation of Aon’s total portfolio of consulting products and services and especially within the Health and Benefits area
- Establishes and communicates the practice’s direction, vision, and values to others; Seeks out, identifies and acts upon opportunities to expand the existing client base without regard to revenue type
- Understands stakeholder’s opinions and perspectives
- Conveys highly complex, technical or sensitive topics in a clear, concise and persuasive fashion
- Ensures delivery of services that exceed expectations of internal and external clients
- Is viewed by client as a strategic business partner
- Draws upon key contacts within business networks to gather information, make decisions, influence outcomes, and secure commitment
5
Responsibilities For Cigna Global Health Benefits Resume
- Remains easily accessible to others
- Enhance your technical knowledge of benefits plans around the world
- Typical size: 500 to 10,000 employees
- Owns professional excellence initiatives and ensures team’s compliance
- Superior ability to influence and collaborate with senior management and work across all levels of an organization
- Interest and aptitude in keeping abreast of latest developments in health and benefits plan strategy and contributing to the development of new tools and approaches
6
Responsibilities For Senior Analyst, Health Benefits Resume
- Multi-state and large (250 - 4,000 employees) clients
- Interpret complex data and information or data sets and to identify and communicate trends and probable out comes, as well as the ability to adapt to changing environments and legislative inquiries
- High attention to detail and ability to provide quality work products
- Demonstrated experience with forecasting methodologies and tools used to evaluate employer and employee contributions, estimate claims trends and calculate liabilities
- Healthcare, health insurance or related industry experience
- Multi-state and large (250 – 4,000 employees) clients
- Analyze costs relative to clients’ benefit programs and summarize and present results to clients
- Analyze and negotiate renewals
- Prepare the valuation of claim reserve liabilities for self-insured plans
7
Responsibilities For Director of Health Benefits Resume
- Prepare valuation of postemployment benefit liabilities under the requirements of FASB and GASB
- Prepare required actuarial attestations and certifications for benefit plans
- Provide actuarial analysis of group life insurance and disability insurance plans
- Oversee financial work completed by junior analyst
- Act as a resource for consultants in the New England Human Capitol Practice
8
Responsibilities For Health & Benefits IT Project Manager Resume
- Perform basic cost projections
- Gather necessary data from the insurer or client; review to ensure it is complete, accurate, and reasonable; and prepare data for use in basic or advanced financial analyses or valuations
- Perform review of benefits renewal and financial reports
- Gain an understanding of basic project management and consulting skills including: managing the quality and timeliness of client deliverables, participating in client calls and meetings as appropriate and assisting with the preparation of clear and concise client-friendly communications
- Review insurer contracts/booklets, summary plan documents, and employee communications to ensure alignment with client expectations
- Gain an understanding of basic project management and consulting skills: managing the quality and timeliness of client deliverables, helping to develop budgets and billing reports, participating in client calls and meetings as appropriate and assisting with the preparation of clear and concise client-friendly communications
- Provide management of the financial analysis for clients, from mid-market to the most complex and/or largest clients, including more in-depth analysis for complex situations that require additional research or discussion with Mercer subject matter experts
9
Responsibilities For Public Health Benefits Navigator Resume
- Gain an understanding of basic project management and consulting skills including: managing the quality and timeliness of client deliverables, helping to develop budgets and billing reports, participating in client calls and meetings as appropriate and assisting with the preparation of clear and concise client-friendly communications
- Mentor financial consultants
- Present results to clients
- Fellow of the Canadian Institute of Actuaries
- Coordinate and consolidate actuarial valuation results and provide support to Consultants with respect to retirement and post retirement of programs outside the US
- Working knowledge of MS Office Tools (Excel, PowerPoint)
- Knowledge of benefit plans
- Self-starter who can work well with minimal supervision
10
Responsibilities For Benefits Manager, Mental Health Benefits Resume
- Drives H&B’s growth and profitability in the mid-market client segment
- Drives H&B’s growth and profitability
- Learn and understand Mercer’s business and other lines of business within the company
- Bilingualism, both oral and written
- Analytical work related to insurance and/or employee benefits programs
- FSA designation or near-FSA
- Explain complex issues to all levels of employees and retirees
- Driver’s license required (for client travel)
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