Saturday, April 20, 2013

( Customer Service Team Lead ) ( Underwriting Team Manager - Mortgage Banking- Garden City, NY ) ( Financial Analyst (Loan Surveillance) ) ( Program Manager ) ( Bank Protection Officer (Boston, MA) ) ( MORTGAGE BRANCH MANAGER ) ( Sales & Lending Associate ) ( Loan Processor ) ( Staff Accountant Treasury Operations ) ( Customer Service ) ( Associate Media Director ) ( User Experience Designer ) ( Sr. Web Developer ) ( Product Development Engineer ) ( Senior Interactive Art Director ) ( Web Content Manager ) ( Instructional Designer ) ( Drafter ) ( Electrical Drafter )


Customer Service Team Lead

Details:
Job ID: 3463

Position Description:
Position Summary

The Team Lead position supports the Customer Service management team in the daily operation of the call center. This position has limited supervisory responsibilities under the direction of the call center management. Serving as the front line support for customer service associates, the position demonstrates strong leadership skills guiding employees to meet performance and customer service objectives. In addition, the Team Lead acts as a Customer Service liaison with TNB clients or internal workgroups. The overall objective is to assist supervisors to ensure the team operates at the highest level of quality and productivity. Responsibilities include, but are not limited to the following:
• Active management of daily queue performance
• Assist supervisors in coordinating work flow within the call center
• Acting as supervisor on duty when necessary
• Provide floor presence, being available to employees to answer questions and assist with work problems
• First level contact for cardholder issues and escalations with the ability to identify the problem and provide a solution
• Identify training needs for team and report findings to call center management
• Coaching and/or training of CS associates as required
• Working with external clients and internal departments to resolve customer issues
• Logging & tracking of support activity associated with customer requests
• Resolving support requests from the CS floor in a timely manner
• Assist supervisor with Time & Attendance management to ensure proper procedures are followed
• Timely completion of ongoing projects as assigned by management
• Backing up the phone queues during call volume spikes

Position Requirements:
Education/Experience:
• Qualified candidates will have a high school diploma or equivalent, college degree preferred
• One to two years call center customer service experience
• Understanding of call center metrics and reporting
• Previous lead or management experience preferredSkills & Abilities:
• Self directed and pro-active
• Able to work independently or within a team environment being a strong role model
• Excellent interpersonal, written, and oral communication skills
• Strong organizational skills
• Able to prioritize and multi-task in a high-volume, fast-paced environment while still producing high quality work
• Able to analyze procedures and recommend improvements
• Sound decision-making; able to balance needs of both the client/cardholder and business
• Able to effectively de-escalate and resolve difficult customer issues
• Strong working knowledge of Card Services business rules, and departmental policies & procedures
• Able to build strong work relationships within the department and across the organization in a positive, professional manner
• Commitment to embracing and supporting change within the organization
• Computer proficiency in Microsoft Office products (Outlook, Word, Excel, etc.)

**Third Shift Availability Required

Underwriting Team Manager - Mortgage Banking- Garden City, NY

Details:

As an Underwriting Team Manager, you are the highest-level underwriter designation within the underwriting team. In this role, you will underwrite and review submitted files to analyze for Capacity, Capital, Character and Condition. This includes ensuring that loan requests meet program and product specifications or counteroffer to a different product and/or program when appropriate. In addition, you will communicate decision (approval, suspense, denial) to appropriate individuals within JPMorgan Chase, uphold fair lending practices of JPMorgan Chase Mortgage, meet targets for productivity, quality and customer satisfaction, and perform second review of contract underwritten denials from all areas.


Financial Analyst (Loan Surveillance)

Details: Cleveland-based KeyCorp is one of the nation's largest bank-based financial services companies, with assets of approximately $87 billion. Key companies provide investment management, retail and commercial banking, consumer finance, and investment banking products and services to individuals and companies throughout the United States and, for certain businesses, internationally. The company's businesses deliver their products and services through branches and offices; a network of 1,576 ATMs; telephone banking centers 800-KEY2YOU® (800-539-2968); and a website, Key.com®, that provides account access and financial products 24 hours a day.

ESSENTIAL JOB FUNCTIONS

Evaluate and monitor the financial performance of income producing properties that secure loans serviced by Key.

Evaluate and spread operating statements. Note changes in income, expenses or other significant issues and refer to manager any significant observations.


Review rent rolls.  Note tenant defaults, major lease expirations or other significant changes and refer to manager any significant observations.


Collect and review borrower balance sheets as needed.


Correspond with borrowers to receive required documentation as scheduled.


Submit loans to the pre-watch list committee for review if it is suspected the borrower is withholding information due to poor property performance.


Order and review annual property inspections and determine whether any further action is required. 


Verify the accuracy of information recorded in the system with the Prospectus. 


Data entry of information into Excel, KCM Web (proprietary system) or other databases.

Program Manager

Details:
Opportunity to relocate Up North to Outdoor Paradise
Excellent Career Opportunity
Program Manager
Afton MI

Our client a manufacturer of precision close tolerance metal formed tubing has enlisted Kelly Engineering to recruit for a direct hire Program Manager to be responsible for managing all phases of the quotation process post receipt of request for quotation (RFQ) and administer the launch of new business programs.

The Program Manager will be;

Responsible for evaluating customer RFQ, develop internal cost structure and create external sales pricing.

Maintain material and outside processing cost, schedule from initial RFQ through program launch.

Be first point of contact for client on all issues related to a RFQ and the new program development process.

Lead a cross functional team; with Engineering, Purchasing, Quality, Sales and Manufacturing for entire program launch cycle.

Responsible for client driven production launch milestones and creating an internal master schedule defining major program activities and internal responsibilities.

Support and manage pre-development activities such as proto-type part development.

Manage new business program launches through the APQP process.

Report status of program to Senior Management Team including issue escalation.

Responsible for ensuring PPAP process is delivered on-time and all documentation meet the client requirements.

 

Experience and Education Qualifications:

Excellent organizational and customer service skills.

Strong verbal and written communication skills.

Bachelors degree preferred but required with applicable experience with new products in the automotive industry including APQP and PPAP process.

Computer and typing skills with a high degree of accuracy with Word, Excel, Outlook and Microsoft Project.

Our client is ISO/TS 16949:2009 certified, offers cutting edge technology and know-how and long term stability.

Every day, Kelly Engineering Resources connects engineering professionals with opportunities to advance their careers.

About Kelly Engineering Resources

Kelly Engineering Resources® puts you in charge of your career, with access to cutting edge projects and technologies in industry leading organizations.

Top companies throughout the world have trusted Kelly® as a premier source of engineering talent and services since 1965. And engineering job seekers know Kelly® as a firm with an unmatched reputation for quality, integrity and professionalism.

Whether you seek the variety and flexibility of working on short term project engagements, or prefer contract-to-hire or direct hire placement with our clients, apply with Kelly® to explore opportunities that suit your specific professional interests. Visit http://www.kellyengineering.com.

 


 





About Kelly Services®


Kelly Services, Inc. (NASDAQ: KELYA, KELYB) is a leader in providing workforce solutions.  Kelly® offers a comprehensive array of outsourcing and consulting services as well as world-class staffing on a temporary, temporary-to-hire, and direct-hire basis.  Serving clients around the globe, Kelly provides employment to more than 560,000 employees annually.  Revenue in 2012 was $5.5 billion.  Visit kellyservices.com and download The Talent Project, a free iPad® app by Kelly Services.iPad is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

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Bank Protection Officer (Boston, MA)

Details:

The world’s leading private security organization, G4S, has an immediate job opportunity for a Bank Protection Officer.  G4S is a security provider for the United States government, fortune 500 companies, nuclear power plants, oil and gas companies, airport, ports, banks, hospitals, factories, warehouses, commercial facilities, residential communities and much more.

G4S offers job security, excellent pay and benefits, and career opportunities.  We offer entry level careers, management careers, sales careers and executive careers across the United States and internationally.

The world’s leading private security organization, G4S, has an immediate job opportunity for a Bank Protection Officer.  G4S is a security provider for the United States government, fortune 500 companies, nuclear power plants, oil and gas companies, airport, ports, banks, hospitals, factories, warehouses, commercial facilities, residential communities and much more.

G4S offers job security, excellent pay and benefits, and career opportunities.  We offer entry level careers, management careers, sales careers and executive careers across the United States and internationally.

  • Perform security patrols of designated areas on foot or in vehicle
  • Watch for irregular or unusual conditions that may create security concerns or safety hazards
  • Sound alarms or call police or fire department in case of fire or presence of unauthorized persons
  • Warn violators of rule infractions, such as loitering, smoking or carrying forbidden articles
  • Permit authorized persons to enter property and monitors entrances and exits
  • Observe departing personnel to protect against theft of company property and ensure that authorized removal of property is conducted within appropriate client requirements
  • Investigate and prepare reports on accidents, incidents, and suspicious activities
  • Provide assistance to customers, employees and visitors in a courteous and professional manner

MORTGAGE BRANCH MANAGER

Details:
Great Opportunity for Mortgage Sales Managers!

The Branch Manager is responsible to oversee a team of mortgage originators and support team. 

Company Benefits:

  • Wide range of loan programs with in-house Underwriting – Asset dissipation, Pledged asset, Reduced income with verified assets, Jumbo to 90% with no PMI and FHA/VA down to 580 FICO
  • Investor relationships 
  • Free productivity platform & Free website for Real Estate partners
  • Robust benefits package including - Medical, Dental, Rx, Vision, Life Insurances & 401k
  • Exceptional Support and Processing
  • Exclusive Marketing Portal – Allows you to create and customize branded marketing campaigns
  • Scenario Help Desk
  • 21 day closing cycles*
  • Paperless Office
  • Realtor Marketing and Productivity Platform 
  • Personalized Websites
  • Career path to Branch Manager support
  • Media Exposure: Company regularly featured on Fox, NBC, and ABC
  • Freedom to manage P&L
  • Ability to control Team Compensation
  • Annual Company Trip Incentive
  • Turn time for loan approvals excludes any loans that need to be sent to third parties for underwriting, this would include brokered loans and state bond program loans.
  • Reduced compensation on State Bond Programs


    Sales & Lending Associate

    Details: Sales & Lending Associate (Sales/Pawnbroker)

    Loan Processor

    Details: Job Classification: Direct Hire Aerotek is accepting applications for Mortgage Loan Processors. These are direct placement opportunities paying $42,000 - $52,000/year based on experience. Qualified candidates must have 3-5 years of mortgage loan processing experience. Processors will be responsible for handling about 60 loans/day.Qualified candidates may apply directly to this posting or send Microsoft Word resume to Dane at danmille(at)aerotek.com. Join Aerotek Professional Services&#174. Our customized employment solutions and personalized approach give job seekers access to great opportunities with competitive salaries. Aerotek offers comprehensive benefits that can include medical, dental, optical, and optional 401k. Don't put your career in the hands of just anyone; put it in the hands of a specialist. Launch or rejuvenate your career today with Aerotek Professional Services! Allegis Group and its subsidiaries are equal opportunity employers and will consider all applications without regard to race, marital status, sex, age, color, religion, national origin, veteran status, disability or any other characteristic protected by law.

    Staff Accountant Treasury Operations

    Details:

    Magna Carta Companies is a national, commercial insurance carrier seeking qualified candidates for a full-time Staff Accountant in the Treasury Operations Unit that is located at its New York City headquarters. This position reports to the Assistant Manager of Treasury and is part of the Finance-Accounting-Treasury-Reinsurance Department.

     

    Candidates must have credentials that demonstrate a solid business accounting/treasury background and the capability to develop advanced technical, as well as analytical skill sets. Job responsibilities and duties include preparation of bank reconciliation reports, journal entries, and various monthly and quarterly treasury and investment reports. In addition, the incumbent will provide back-up and support to the Accounts Payable Unit. The incumbent will assist in preparing management reports on a variety of subjects and the incumbent will be expected to work as needed throughout the year including but not limited to working during the quarterly and annual statement closing periods.

     

     


    Customer Service

    Details: description


    Randstad National Delivery is seeking skilled customer service professionals for openings in Coraopolis, PA (not on a public transit route!). Positions will involve appraisal order follow up and tracking, communicating status/delays to clients, and working with a variety of other customer service, data entry and administrative tasks as needed.

    -Positions are temporary, estimated to last 12 months, but have temp-hire potential
    -Three shifts are available: 9am-6pm, 10am-7pm or 11am-8pm, need to be flexible to work some Saturday hours during busy periods or as business need dictates
    -Pay rate is set at $12.00 / hour

    Randstad offers medical/dental benefits, a weekly pay schedule and direct deposit!

    Working hours: 9am-6pm, 10am-7pm or 11am-8pm - need to be flexible to work some Saturday hours during busy periods or as business need dictates

    REQUIREMENTS INCLUDE:
    -Client requires completion of background check and drug screening prior to assignment start date
    -HS Diploma or equivalent is required
    -Qualified candidates should have previous customer service experience and type approximately 35+ wpm

    ***FOR IMMEDIATE CONSIDERATION please email your resume to with Subject Line "Temp CSR - Coraopolis". WHEN APPLYING, please specify what shifts you are available to work. NO PHONE CALLS, PLEASE.***

    Randstad is a world leader in matching great people with great companies. Our experienced agents will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temporary-to-permanent or permanent opportunities, no one works harder for you than Randstad.


    Associate Media Director

    Details: Associate Media Director FKQ Advertising + Marketing seeks an Associate Media Director CLEARWATER, FL - With more than 200 digital commerce searches each year, EcommerceRecruiter.com is the leading contingency-based executive search firm serving the Shop.org, Ad:Tech, and IR-500 communitiesWe are working with FKQ Advertising in their search for an Associate Media Director based in Clearwater, Florida. FKQ is a full-service ad agency that has been in business for 50 years. As true partners with their clients, FKQ goes beyond just providing strategy and purchasing media. They're a seamless extension of their clients and provide any service that helps grow the client's business. This kind of partnership leads to longstanding relationships that go back more than 25 years. Job Responsibilities: Developing annual and promotional media strategies for broadcast, print, digital and outdoor (planning) for general consumer market and Hispanic Consumer Market ("HCM") Buying local spot TV, local cable, radio, outdoor, digital and print for General Consumer Market and HCM Stewardship of all media buys including weekly post (and associated make-good negotiation and placement), quarterly PBA’s, adherence to Client’s standards for programming, CPP’s and ISD submissions Stewardship and maintenance of Client’s Media budget and associated flowcharts Determine any non-traditional means of reaching our HCM due to any limitations of traditional media in the market Participation in Regional Media Planning meetings, conference calls and any required Divisional activity Development of presentation materials for Client meetings. Negotiation, stewardship and reporting of all added value media opportunities Presentation and preparation of any media plans or pertinent updates for Client meetings Cultivate positive relationships with Clients to establish trust, respect and illustration of FKQ’s Whatever it Takes philosophy Work closely with all account team members to understand the full breadth of the Clients’ respective industries and overall business strategies Establishing and fostering relationships with all media partners to demonstrate FKQ’s leadership position in the media community Oversee account-specific planner/buyer team members and mentor and train junior staff members

    User Experience Designer

    Details: EHD Technologies is searching for a User Interface Designer for a permanent position with one of our clients located in Overland Park, KS.   Responsibilities: Creates a successful user experience by studying user interests Develop the concept for information structure by analyzing user goals, target audience Conduct user interviews and focus groups Organize information by creating visualizations of content, sequencing and relating elements, preparing storyboards, applying principles of human-computer interaction and aesthetics Develop prototype by creating look and feel of concept, structuring information filtering and retrieval, coordinating scripts and graphics with writers and designers Observe usability Maintain production schedule Document actions by creating functional descriptions and schematics

    Sr. Web Developer

    Details: Title: Sr. Web DeveloperStatus: Contract-hireTop Things Needed:• Prior Magento development experience • 3+ years of PHP programming experience• Proficiency in Object Oriented PHP 5 development• HTML/JavaScript/CSS knowledgeSummaryThe Senior Web Developer will be responsible for daily site maintenance and large scale UI enhancements for our fast moving catalog and retail eCommerce space. Magento platform (Open Source) and is written in PHP 5.Skills and Work ExperienceBA or BS or equivalent (minimum of development experience) 3+ years of PHP programming experience Prior Magento development experience Proficiency in Object Oriented PHP 5 development High proficiency with Excel, HTML, CSS, Experience working with a framework such as the Zend Framework HTML/JavaScript/CSS knowledge

    Product Development Engineer

    Details: Worldwide leader in the consumer goods industry is looking for a terrific leader! Our client is looking for an experienced Product Development Engineer with strong critical thinking, creativity, and project management experience. Product Development Engineer Identify New, Unique and Difficult product attributes and the evaluation of design options to achieve desired results. Manage concept testing, prototype builds, engineering builds and pre-pilot builds Develop test plans, write lab requests and develop DVP&R throughout the course of the project. Review  test results to ensure they meet all technical requirements and work with codes to evaluate compliance to agency requirements. Conduct design reviews and incorporate learning into product designs. Prepare and direct preparation of Engineering documentation (ECNs, BOMs, Drawings, Specs). Use and complete fundamental engineering tools (FMEA, SBD, DFS, OPEX/Six Sigma) Lead and execute all technical aspects of new product development projects on time, on cost and at best quality. Manage technical project schedules for the entire product through process partners and suppliers. Set project priorities and direct work of matrixed CAD designers and subsystem engineers.

    Senior Interactive Art Director

    Details: Senior Interactive Art Director FKQ Advertising + Marketing seeks a Senior Interactive Art Director CLEARWATER, FL - With more than 200 digital commerce searches each year, EcommerceRecruiter.com is the leading contingency-based executive search firm serving the Shop.org, Ad:Tech, and IR-500 communities. As one of our top clients, FKQ is a full-service ad agency that has been in business for 50 years. As true partners with their clients, FKQ goes beyond just providing strategy and purchasing media. They're a seamless extension of their clients and provide any service that helps grow the client's business. This kind of partnership leads to longstanding relationships that go back further than 25 years.At FKQ, "Whatever It Takes" (WIT) is more than a philosophy. It’s in their DNA. It is the guiding principle they put into practice every single day. They explore. They discover new ideas. They bring strategic insight to life with a passion for great work and generating results.About the role: The Senior Interactive Art Director must be ready and eager to step in and help manage within a fast-paced, deadline-driven, team environment. He/she will work closely with FKQ’s Creative Directors, Project Managers, Engineers and Copywriters on global, national, regional and local brands. Beyond process management, a successful candidate will feel comfortable presenting thinking and ideas to both the agency team and the client.Responsibilities include, but are not limited to ... Process/Team Management/Leadership Conceptual Design Graphic Design Produce comps and finished solutions, developing concepts, typography, visuals, navigational symbols and icons for a wide variety of interactive projects Multimedia designs, code basic HTML for web sites Optimize photos, logos, banners and other graphical elements for the Web Presentation of thinking and finished work Traditional creative work as available

    Web Content Manager

    Details: Web Content ManagerYankee Candle seeks a Web Content Manager SOUTH DEERFIELD, MA - With more than 200 digital commerce searches each year, EcommerceRecruiter.com is the leading contingency-based executive search firm serving the Shop.org, Ad:Tech, and IR-500 communities. We are working with Yankee Candle in their search for a Web Content Manager based in South Deerfield, MA.The Yankee Candle Company is the leading designer, manufacturer, wholesaler and retailer of premium scented candles, based on sales, in the giftware industry. Employing approximately 6,000 people world-wide, Yankee Candle has a 42-year history of offering distinctive products and marketing them as affordable luxuries and consumable gifts, with sales from continuing operations of $785.8 million dollars in fiscal year 2011.The company sells its products through a North American wholesale customer network of approximately 28,800 stores, a growing base of company owned and operated retail stores (552 Yankee Candle Stores located in 46 states and 1 province in Canada as of December 31, 2011), direct mail catalogs, and its website. Outside of North America, the company sells its products primarily through its subsidiary, Yankee Candle Company (Europe), Ltd., which has an international wholesale customer network of approximately 5,700 stores and distributors covering a combined 49 countries.A key contributor to Yankee Candle's success has been its vertically integrated business model, which enables the firm to control most every aspect of its business, from product development to manufacturing to distribution to marketing and sales. This structure allows YC to consistently provide high quality and innovative products, and deliver them in a timely and efficient manner to customers all over the world.About the Role:This position is responsible for developing, executing and managing the content necessary to create and maintain the Company Ecommerce Website. Maximizing all available web site functionality within the content management system, the successful candidate will utilize web database management and traditional project management tools to meet and exceed identified goals for the web. In specific, this position is responsible for:  Managing, prioritizing and scheduling product content updates for the E-commerce Website by coordinating and scheduling new projects with internal stakeholders, including email marketing, social media, online marketing, BIS, merchandising and advertising Content includes, but is not limited to; item images, pricing, copy, product/category graphics, marketing graphics, cross-sells and up-sells Monitoring website conversion rates by product category and homepage marketing graphics and optimizing outcomes by utilizing traditional sales measurement tools and A/B testing protocol, making recommendations to improve and maximize revenues as necessary Coordinating with E-commerce Marketing Manager to optimize paid search conversion through Landing Pages and Homepage Graphics, pro-actively working with marketing and project leaders to understand content needs and project scope Leading the internal team, effectively communicating and cross-training direct reports and all key stakeholders when new processes or solutions are implemented; as well as managing the product/inventory feeds supporting 3rd Party selling channels and applications Maintaining systems and processes in a detailed and organized fashion to ensure optimal presentation and website performance, identifying, recommending and coordinating the implementation of industry best-practices in web content display Documenting, maintaining and managing best practices; educating internal team members and communicating across all internal team members linked to web implementations Benchmarking competitor sites and industry developments within the Internet, identifying and implementing new or improved processes that increase productivity and turnaround timeScope:This position has the ability to make certain day to day decisions within the team and will advise and assist senior management on significant decisions. In addition, this position is exposed to confidential information related to financial statements, payroll information and strategic initiatives undertaken by the Company.

    Instructional Designer

    Details: Seeking an Instructional Designer to provide consultative expertise to business leaders, legal & compliance, and Learning & Development professionals to develop learning solutions to meet business objectives and makes recommendations to ensure performance outcomes are attained. Will partner with SMEs and learning team to deliver effective learning solutions, developing materials for large projects. Will design and develop learning strategies and solutions. Apply adult learning theory and principles in developing instructional materials for a variety of delivery channels including classroom/ILT, e-Learning, self study and blended learning. Update instructional materials for a variety of channels (classroom, e-Learning, virtual classroom, workbook, job aids. Play an active role in project implementation, deployment and maintenance. May serve as lead designer on project teams including coaching team members on design and development work.

    Drafter

    Details: Job Classification: Contract Our client designs and builds poles primarily for lighting structures. Their products and clients reside all over the world. the average project in the department will take about 6 hours but some projects take several months at a time and others take only a few hours. this position is that of an associate drafter which is the entry level in the department. Candidates should be comfortable with doing research 80% of the time and about 20% of doing actual drafting. Research will include local codes, local , and environmental conditions. You will work with AutoCAD 2013 and basic client drawings. Candidates need to have a minimum of an A.S. in Drafting. Join Aerotek, one of the leading providers of engineering and engineering support professionals in North America. Due to our growth, we''re constantly on the lookout for qualified professionals to place in contract, contract-to-hire, and permanent placement positions across a number of different industries. We know it''s more than just your day-to-day responsibilities that can make or break a job. It''s the support you get. That''s the reason Aerotek offers a variety of benefits including medical, dental, optical, 401k, and many more. Don''t put your career in the hands of just anyone, put it in the hands of a specialist. Join the Aerotek team! Allegis Group and its subsidiaries are equal opportunity employers and will consider all applications without regard to race, marital status, sex, age, color, religion, national origin, veteran status, disability or any other characteristic protected by law.

    Electrical Drafter

    Details: Job Classification: Contract Aerotek is looking for a Drafter in the Omaha area. This Drafter should have prior knowledge in the Electrical field.Qualified candidates will have an associates degree in Drafting with some prior knowledge in the electrical world with an idea of what a PCB is. We are looking to move quickly with this position so if you are interested please reply quickly. Join Aerotek, one of the leading providers of engineering and engineering support professionals in North America. Due to our growth, we''re constantly on the lookout for qualified professionals to place in contract, contract-to-hire, and permanent placement positions across a number of different industries. We know it''s more than just your day-to-day responsibilities that can make or break a job. It''s the support you get. That''s the reason Aerotek offers a variety of benefits including medical, dental, optical, 401k, and many more. Don''t put your career in the hands of just anyone, put it in the hands of a specialist. Join the Aerotek team! Allegis Group and its subsidiaries are equal opportunity employers and will consider all applications without regard to race, marital status, sex, age, color, religion, national origin, veteran status, disability or any other characteristic protected by law.