LoanCare

• Develop creative business intelligence solutions using SQL, views, and stored procedures • Develop reports, dashboards, and custom files for internal/external clients • Develop routines for data summarizations, queries, data cubes, and data reporting templates • Develop production tasks and processes within the Business Intelligence Department in a mortgage servicing space • Develop scalable processes to generate reports, files, dashboards, and data cubes according to business requirements • Develop and manage process-driven solutions using Windows and Microsoft SQL Server environment • Develop queries, reports, files, dashboards, etc., using Microsoft Windows and Microsoft SQL Server environment • Develop and maintain scalable BI process using queries, reports, files, data marts, dashboards, etc. • Develop and maintain automated production environment using stored procedures • Collaborate with other developers to create/maintain scalable processes and best practices • Collaborate with other departments on timing and details of the development cycle • Ensure quality control best practices are followed • Ensure seamless and scalable BI development lifecycle is followed • Make recommendations and develop best practices for BI presentation layers, such as stand-alone reports, dashboards, and self-service/drill through tools • Manage/balance workload; monitor/manage efficiency and timeliness of deliveries • Work with other departments on Business Intelligence needs and improvements • All other duties as assigned

Role Description The Senior Human Resources Business Partner II serves as a strategic advisor to senior leaders and a distributed workforce, aligning people strategies with business objectives to drive organizational performance. This role provides expert guidance across complex employee relations, performance management, compliance, investigations, and employment lifecycle activities. - Partner strategically with a distributed workforce and senior leaders across on-site and remote environments, cultivating trusted relationships that align people strategies with business goals and enhance organizational performance. - Provide expert-level consultation to leaders and employees on complex human resources matters, including employee relations, performance management, workplace investigations, policy interpretation, and compliance with federal, state, and local employment laws. - Translate organizational and people strategies into actionable HR initiatives that support talent development, engagement, succession planning, and organizational effectiveness. - Lead and oversee employee relations investigations, including sensitive and high-risk matters, ensuring fair, consistent, and well-documented outcomes that mitigate organizational risk. - Advise and coach leaders through disciplinary actions, performance improvement plans, and termination decisions, ensuring compliance, consistency, and alignment with company policies. - Manage and maintain oversight of unemployment claims and hearings, including preparation and coaching of leaders and representing the organization as required. - Provide end-to-end management of the I-9 employment eligibility verification process, ensuring compliance with all legal requirements and proactively identifying and mitigating potential compliance risks to support ongoing audit readiness and internal or external audits. - Serve as a backup resource for Leaves of Absence, FMLA administration, and accommodation requests, maintaining compliant processes, complete documentation, and uninterrupted service delivery. - Manage and coordinate immigration-related matters for employees, including visa processes, renewals, and compliance in partnership with legal counsel or external vendors. - Partner with HR leadership to support benefits administration, including open enrollment planning, communications, and education around both traditional and non-traditional benefits offerings. - Collaborate with HR, Training & Recruiting colleagues to ensure seamless onboarding, offboarding, and employee lifecycle processes, promoting a positive and compliant employee experience. - Support company-wide employee engagement, wellness, and community initiatives, reinforcing organizational culture and values. - Serve as a backup resource for employee concern reporting mechanisms (e.g., “We Listen” hotline), ensuring timely and appropriate response and escalation. - Partner with internal and external legal counsel to support litigation matters, risk assessment, and compliance strategies, as directed by HR leadership. - Remain current on evolving employment laws, HR best practices, and workforce trends, proactively advising leadership on potential impacts. - Perform additional duties and special projects assigned in support of organizational priorities. - All other duties as assigned. Qualifications - High School Diploma or equivalent. - Bachelor’s degree in Human Resources, Business Administration, or a related field preferred; equivalent professional experience may be considered in lieu of a degree. - Minimum of 10 years of progressively increasing responsibility in human resources, with at least 5 years in a Senior HR Business Partner role demonstrating advanced capability in employee relations, compliance, and strategic business alignment. - Advanced knowledge of U.S. employment laws and regulations (Federal and multi-state), including FMLA, ADA, EEOC, wage and hour laws, and immigration/employment eligibility requirements. - Proven ability to manage complex, high-risk HR matters and handle sensitive, confidential information with sound judgment, discretion, and professionalism in a fast-paced environment. - Strong consultative skills with the ability to influence and advise senior leaders and drive organizational change. - Superior written and verbal communication skills, with a proven ability to articulate complex information clearly to diverse audiences. - Advanced proficiency in Microsoft Word and Excel for documentation, reporting, and analysis. - Highly self-directed, accountable, and collaborative, with a strong commitment to ethical HR practices. - Strong business acumen and strategic thinking. Requirements - Workday experience highly preferred. - SHRM-CP, SHRM-SCP, PHR or SPHR certification. Benefits - Optional medical, dental, vision, life, and disability insurance. - Paid holidays, vacation, and sick leave. - Matching 401(k) plan and employee stock purchase plan. - Access to mental health resources, including free Calm memberships, and initiatives that promote physical and emotional well-being. - Programs that celebrate achievements and milestones. - Enjoy discounts on gym memberships, pet insurance, and employee purchasing programs, plus access to a tuition reimbursement program that supports your continued education and professional growth. Company Description At LoanCare, we don’t just service mortgage loans—we serve people. As a leading full-service mortgage loan subservicer, we deliver excellence to banks, credit unions, independent mortgage companies, investors, and the homeowners they support. Backed by the strength and stability of Fidelity National Financial (NYSE: FNF), a Fortune 500 company, we offer a career foundation built on integrity, innovation, and collaboration. - A culture that helps you thrive, with resources and support to fuel your growth. - Flexibility to work remotely, while staying connected through virtual engagement. - Opportunities to make a real impact in an industry that touches millions of lives.

• Maintain a pipeline of client requests • Develop and understand each client’s business rules, type of business, and goals • Research, resolve, and report client problems and inquiries; ensure prompt responses by partnering with internal/external business partners to meet client’s needs • Work closely with Client Relations Account Executive II and III to ensure proper level of support to portfolios is provided • Provide process gaps or portfolio trends to management for tracking and resolution • Ensure all inquiries are documented, process gaps are identified, and escalated issues are presented to the manager with suggestions, ideas, and solutions • Maintain a thorough knowledge of policies and tools to effectively answer most client inquiries without assistance • Assist other team members during volume spikes as needed • All other duties as assigned

• Prepare mortgage insurance claims on assigned agency or investor-acquired properties. • Complete reconciliation of all advances to be included in the claim. • Validate all the necessary supporting documents needed for the claim. • Maintain clear records and reports for management regarding daily production. • Assist with updating appropriate workstations for claim payments. • Follow up and track payment of filed claims. • Conduct miscellaneous research to complete daily tasks. • Complete tasks queue and notate internal system accordingly • All other duties as assigned.

• Prepare mortgage insurance claims on all agencies or investor - acquired properties • Complete reconciliation of all advances to be included in the claim • Validate all the necessary supporting documents needed for the claim • Maintain clear records and reports for management regarding daily production • Conduct internal department quality control audits of post claim activities • Identify current trends that would result in additional training measures to be utilized by Supervisors • Complete internal department quality assurance audit prior to claim submission • Assist with updating appropriate workstations for claim payments • Assist with post claim agency/client demands • Follow up and track payment of filed claims • Conduct miscellaneous research to complete daily tasks • Conduct research for post-claim activities such as “missing documents and/or agency inquiries” • Complete tasks queue and notate internal system accordingly. • All other duties as assigned.

• Conduct quality control audits; evaluate loans utilizing the system of record and all available documentation; ensure compliance to federal, state, investor and/or client guidelines in a timely manner. • Conduct sustainability testing and compliance monitoring. Analyze results to identify gaps and work with various departments for resolution. Provide monthly summary and reporting to management. • Establish and maintain open lines of communication with various departments and levels of management within the organization and act as point of contact for internal and external resources. • Research issues and questions leveraging all available tools, including, ALLRegs, Agency/Investor guidance such as Handbooks, internal policies and procedures, contacting subject matter experts, law firms, county offices, and supporting vendors to obtain necessary information for resolution. • Report systemic issues and process gaps and breakdowns. Track, resolve, and ensure appropriate actions are taken to log findings in the appropriate system, notating detailed explanation of the issue and resolution. • Develop and/or update quality control guidelines and documentation as necessary to comply with changes to internal policies and procedures, and federal, state, investor, and/or client guidelines. • Assist Management in completing quality reviews for junior team members, preparing reports, special projects. Under supervision, assist with implementation of departmental projects or initiatives and attend department meetings and project planning sessions and handle issues and escalations as needed. • Monitor regulatory updates as published to determine impacts to Quality Control and make recommendations on necessary updates to processes and questionnaires. Review monthly questionnaire updates and make recommendations on implementation. • Assist with the Quality Control team’s cross-training activities to ensure adequate coverage for all functions. • All other duties as assigned.

Overview We are seeking to fill the role of Escrow PMI Specialist II. The ideal candidate enjoys collaborating with clients, industry partners and internal teams to maximize outcomes for homeowners. Responsibilities - Ensure loans with mortgage insurance (“MI”) in the mortgage servicing portfolio are serviced according to investor guidelines; ensure proper documentation is entered into the servicing system - Monthly payment and disbursement of mortgage insurance premiums due - Perform daily/weekly/monthly reviews of all loans to ensure correct system data - Perform monthly reconciliation reviews of all payments processed in the portfolio - Review all loans at the time of boarding to ensure MSP information is correct - Create and process exception reports to ensure payments are made promptly - Review of monthly mortgage insurance Termination Reports to ensure that PMI is removed on all qualifying loans in accordance with established guidelines - Process requests from borrowers to have mortgage insurance terminated in accordance with established guidelines - Review loan documents to validate mortgage insurance coverage, termination date, and other key date elements - Process reinstatements of mortgage insurance per established guidelines - Loan level review and completion of mortgage insurance open tasks - Determine if mortgage insurance has been removed prematurely and take the necessary corrective steps - Update and maintain mortgage insurance rescission/cancellation documents and work with internal/external clients to mitigate risk involved - Validate all mortgage insurance data in the system of record on incoming and outgoing servicing transfers - Weekly processing of validation reports to ensure that all mortgage insurance lines are set up correctly in the system of record, including closing document review - Assist the leadership team in training, present ideas for process improvement - All other duties as assigned. Qualifications - High School Diploma or equivalent required. - 2-3 years of experience in mortgage loan servicing/lending (insurance company, escrow department, accounts payable, accounting clerk, or similar role may be acceptable) - Strong knowledge of taxing authority due dates, including delinquent and loss/reduction of discount dates - Strong knowledge of investor guidelines and processing systems - Ability to manage time and priorities wisely - Ability to grasp concepts quickly, make sound decisions, and resolve issues - Ability to work in a high-volume and time-sensitive environment - Ability to work independently with minimal direction and effectively meet deadlines - Ability to collaborate with peers in a team environment to attain common goals - Ability to communicate effectively in writing, in person, and by telephone - Ability to use Microsoft Office products (Excel, Word, PowerPoint, etc.) - Ability to maintain strict confidentiality Total Rewards LoanCare’s Total Rewards Package offers a comprehensive blend of health and welfare, financial, lifestyle and learning benefits to support employee well-being and engagement. Highlights include: - Health & Welfare Coverage: Optional medical, dental, vision, life, and disability insurance - Time Off: Paid holidays, vacation, and sick leave - Retirement & Investment: Fidelity National Financial matching 401(k) and employee stock purchase plans - Wellness Programs: Access to mental health resources, including free Calm memberships, and initiatives that promote physical and emotional well-being - Employee Recognition: Programs that celebrate achievements and milestones - Lifestyle & Learning Perks: Enjoy discounts on gym memberships, pet insurance, and employee purchasing programs, plus access to a tuition reimbursement program that supports your continued education and professional growth. Compensation Range: $17.88 - $26.73 per hour. Actual compensation may vary within the range provided, depending on a number of factors, including qualifications, skills and experience. Build Your Future with LoanCare® At LoanCare, we don’t just service mortgage loans—we serve people. As a leading full-service mortgage loan subservicer, we deliver excellence to banks, credit unions, independent mortgage companies, investors, and the homeowners they support. Backed by the strength and stability of Fidelity National Financial (NYSE: FNF), a Fortune 500 company, we offer a career foundation built on integrity, innovation, and collaboration. Here, you’ll find: - A culture that helps you thrive, with resources and support to fuel your growth - Flexibility to work remotely, while staying connected through virtual engagement - Opportunities to make a real impact in an industry that touches millions of lives - If you're ready to grow your career in a place that values your contributions and empowers your success, we invite you to join our team. About Remote Employment We provide the necessary equipment; all you need is a quiet, private place in your home and a high-speed internet connection with a minimum network download speed of 25 megabits per second (MBPS) and a minimum network upload speed of 10 MBPS WHO WE AREAbout us …LoanCare is a leading national provider of full service subservicing and interim subservicing to the mortgage industry and has offered its expertise and best practices in providing servicing solutions for others since 1991. At the present time, LoanCare subservices over 1.8 million loans in 50 states. LoanCare has a seasoned loan servicing team with senior managers averaging nearly 30 years of experience in the mortgage and financial services industry.LoanCare, its affiliates and subsidiaries, is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression (including transgender status), genetic information or any other characteristic protected by applicable law. WORK CONDITIONSWorking conditions are normal for an office environment. Ability to attend work and be productive during normal business hours and to work early, late or weekend hours as needed for successful job performance. Over time required as necessary.Essential functions are the basic job duties that an employee must be able to perform, with or without reasonable accommodation. EQUAL EMPLOYMENT OPPORTUNITY LoanCare, its affiliates and subsidiaries, is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression (including transgender status), genetic information or any other characteristic protected by applicable law.

Role Description Looking for a career with purpose and reward? At LoanCare we help customers every day with what is for many their largest and most personal financial transaction: the purchase of their home. With the mission to simplify the complex with empathy and insight, we are constantly innovating and are a top provider in the mortgage services industry as a result. We are actively seeking to fill the role of VP Loan Conversions. Our ideal candidate enjoys working with clients, both internal and external, eager to learn and maximize results, is detail oriented and driven to meet tight deadlines in a fast-paced environment. Background in the mortgage or real estate industry is a plus. If this sounds like you, and you are ready for a career and not just your next job, apply today! - Ensures that loans in the mortgage servicing portfolio are serviced according to investor requirements and that accurate accounting and reporting records are maintained. - Ensures that all aspects of boarding mortgage loans onto, and the removal of loans from the servicing system, are done timely, accurately and efficiently and within federal regulation. - Ensures that all conversions are completed and reported to agency and clients as required. - Manages all new client relationships related to the implementation process of flow and bulk loan transfers. - Works with senior management to ensure proper controls and staff are in place to complete the boarding process. - Oversees a team of managers responsible for the day-to-day activities of the boarding, removal, data integrity, and implementation processes. - Oversees the management of the operations of the department. - Manages, coaches, counsels and develops department staff. - Reviews transfer data and support activities to ensure compliance and adherence to state and federal regulations. - Ensures accurate records of each loan transfer are maintained and ensures that transfer instructions and project artifacts are maintained and updated as needed to comply with applicable regulations. - Reviews established procedures for conversions and ensures the proper controls are in place. - Works with the operational managers to establish metrics and goals for the conversions staff and manages performance to these goals. - Reports to government agencies as required. - Keeps informed on government regulations pertaining to loan servicing. - Manages all aspects of internal tracking systems and processes. - Through subordinate managers, distributes work assignments to conversions staff. - Performs quality control reviews as needed. - Reviews and approves the annual budget, expectations, and goals for the conversions department. - Assists with the management of vendors used in conjunction with departments under management. - Develops products and assists with promoting those products used within the departments under management. - Responsible for requesting, creating/preparing, updating/revising, reviewing, testing, finalizing/approving, conducting training and maintaining the departments policies and procedures. - All other duties as assigned. Qualifications - High School Diploma or equivalent required. Bachelor’s degree in business, accounting, finance or related field preferred. - 8-10 years’ experience in mortgage servicing and servicing transfers. - 5-7 years’ management experience. - Knowledge of state and federal laws and regulations applicable to mortgage and consumer lending. Considerable knowledge of loan servicing practices. - Advanced proficiency in Microsoft Office applications (e.g., Excel, Access, and Word) required. - Analytical ability sufficient to apply data and information to the solution of administrative and operating problems. - Considerable knowledge of workflow processes, staffing needs, and operational costs in a collection operation. - Leadership and management skills with the ability to motivate, mentor, train, coach, evaluate performance, and lead a multi-functional staff in a fast-paced, dynamic environment. - Ability to work independently with minimal direction and to meet deadlines. - Demonstrate ability to read, interpret, and analyze accounts and records of a complex, detailed and recurring nature. - Ability to prepare an operating budget, anticipate and explain variances. - Ability to work collaboratively with peers, company managers, and customers in a team environment to attain common goals. - Analytical and mathematical ability sufficient to calculate and evaluate performance metrics and apply them to increased efficiencies and the solution of administrative and operating barriers. - Ability to communicate effectively both in writing and orally, in person and by telephone, with all levels of the organization and with external customers. - Strong instructing and advising skills. - Demonstrated ability to provide excellent customer service. - Ability to enter and extract data from a computer database. Ability to locate data in a computer database for the purpose of researching and resolving customer inquiries. - Ability to maintain strict confidentiality. Benefits - Optional medical, dental, vision, life, and disability insurance. - Paid holidays, vacation, and sick leave. - Fidelity National Financial matching 401(k) and employee stock purchase plans. - Access to mental health resources, including free Calm memberships, and initiatives that promote physical and emotional well-being. - Programs that celebrate achievements and milestones. - Enjoy discounts on gym memberships, pet insurance, and employee purchasing programs, plus access to a tuition reimbursement program that supports your continued education and professional growth. Compensation Range $103,000-$193,100 annually. Actual compensation may vary within the range provided, depending on a number of factors, including qualifications, skills and experience. Work Conditions Able to attend work and be productive during normal business hours and to work early, late or weekend hours as needed for successful job performance. Overtime required as necessary. Equal Employment Opportunity LoanCare, its affiliates and subsidiaries, is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression (including transgender status), genetic information or any other characteristic protected by applicable law.

• Oversee and manage litigation related to GSE loans from defaulted issuers by supervising, coordinating, and strategizing with outside counsel in connection with lawsuits and claims; provide complete transparency to the account-owning GSE • Advise senior executives on litigation strategies • Supervise the work of other junior attorneys and paralegals • Lead negotiations and revisions of renewing subservicing agreements with clients • Manage all aspects of consumer finance litigation, including the selection/management of and communication with outside counsel and administration/processing of outside counsel’s legal billing • Lead presentations regarding periodic updates and risk reports to senior litigation counsel • Provide legal advice to managers/supervisors and perform research for guidance in operational processes/procedures • Manage and oversee the responses to discovery requests, including e-discovery • Review and provide guidance on subpoena duces tecum • Assist internal business units with responses to information requests from external LoanCare clients • Identify trends in litigation matters and borrower and/or regulatory complaints; communicate trends to senior litigation counsel and internal business units; coordinate with Operations to develop policies/procedures to remediate issues • Provide support to senior in-house counsel by responding to requests for legal advice and related assistance from internal business units • All other duties as assigned.

Overview Plans, directs, supervises and evaluates work flow for the Collections department. Ensures the collection staff is effectively counseling all delinquent borrowers. Coordinates work activities to achieve the volume expected to meet operational requirements. Recommends operational improvements. Responsible for day-to-day application of policies and procedures. Monitors performance of staff members according to established standards. Conducts performance evaluations. Trains and coaches staff. Responsibilities - Supervises daily operation of the Collection unit, ensuring compliance with departmental policies and procedures and all applicable government, investor and client regulations - Manage and maintain daily operations of the Dialer campaigns - Performs collection activity on accounts when subordinates have difficulty collecting. - Reviews the department’s collection activity, identifying trends and assessing unit effectiveness - Receives and resolves customer complaints - Performs duties related to staff development such as performance evaluations, disciplining employees, and training - Reviews and recommends foreclosure to the Default Management committee - Compiles data and generates ad-hoc reporting for Manager - Provides monthly summary to Manager on departmental performance objectives - Ensures that 10 calls per month are evaluated for each Loan Counselor in the department - Responsible for requesting, creating/preparing, updating/revising, reviewing, testing, finalizing/approving, conduct training and maintain the departments policies and procedures Qualifications - High School Diploma or equivalent required - Associates Degree or a combination of education and experience that provides the necessary skills and knowledge to satisfactorily perform the essential job functions - Three years collection experience in a mortgage servicing environment - Knowledge of Federal, State and local regulations concerning debt collection regulations - Minimum of 2 years supervisory experience, managing a team in a high volume, fast paced environment - Knowledge of loss mitigation mortgage workouts (i.e. loan modifications, short sale, deed in lieu and foreclosure) - Working knowledge of contact center database applications - Experience with Ensemble Pro dialer administration - Experience utilizing DataViews for reporting - Knowledgeable in scheduling and volume forecasting - High level of proficiency with Microsoft Office Suite - Excellent written and verbal communication skills - Strong team player with a high level of professionalism and initiative - Ability to work efficiently in a fast-paced environment where priorities change frequently to meet business needs - Strong negotiation skills - Strong analytical and problem solving ability - Ability to organize, prioritize and allocate workload for optimum efficiency - Solves problems with a sense of urgency by recognizing opportunities, understanding risks and acting quickly to overcome obstacles and reach a solution - Ability to resolve conflict appropriately and effectively resolve problems Total Rewards LoanCare’s Total Rewards Package offers a comprehensive blend of health and welfare, financial, lifestyle and learning benefits to support employee well-being and engagement. Highlights include: - Health & Welfare Coverage: Optional medical, dental, vision, life, and disability insurance - Time Off: Paid holidays, vacation, and sick leave - Retirement & Investment: Fidelity National Financial matching 401(k) and employee stock purchase plans - Wellness Programs: Access to mental health resources, including free Calm memberships, and initiatives that promote physical and emotional well-being - Employee Recognition: Programs that celebrate achievements and milestones - Lifestyle & Learning Perks: Enjoy discounts on gym memberships, pet insurance, and employee purchasing programs, plus access to a tuition reimbursement program that supports your continued education and professional growth. Compensation Range: $52,400 - $88,000 annually. Actual compensation may vary within the range provided, depending on a number of factors, including qualifications, skills and experience. Build Your Future with LoanCare® At LoanCare, we don’t just service mortgage loans—we serve people. As a leading full-service mortgage loan subservicer, we deliver excellence to banks, credit unions, independent mortgage companies, investors, and the homeowners they support. Backed by the strength and stability of Fidelity National Financial (NYSE: FNF), a Fortune 500 company, we offer a career foundation built on integrity, innovation, and collaboration. Here, you’ll find: - A culture that helps you thrive, with resources and support to fuel your growth - Flexibility to work remotely, while staying connected through virtual engagement - Opportunities to make a real impact in an industry that touches millions of lives - If you're ready to grow your career in a place that values your contributions and empowers your success, we invite you to join our team. About Remote Employment We provide the necessary equipment; all you need is a quiet, private place in your home and a high-speed internet connection with a minimum network download speed of 25 megabits per second (MBPS) and a minimum network upload speed of 10 MBPS WHO WE AREAbout us …LoanCare is a leading national provider of full service subservicing and interim subservicing to the mortgage industry and has offered its expertise and best practices in providing servicing solutions for others since 1991. At the present time, LoanCare subservices over 1.8 million loans in 50 states. LoanCare has a seasoned loan servicing team with senior managers averaging nearly 30 years of experience in the mortgage and financial services industry.LoanCare, its affiliates and subsidiaries, is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression (including transgender status), genetic information or any other characteristic protected by applicable law. WORK CONDITIONSWorking conditions are normal for an office environment. Ability to attend work and be productive during normal business hours and to work early, late or weekend hours as needed for successful job performance. Over time required as necessary.Essential functions are the basic job duties that an employee must be able to perform, with or without reasonable accommodation. EQUAL EMPLOYMENT OPPORTUNITY LoanCare, its affiliates and subsidiaries, is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, disability, protected veteran status, national origin, sexual orientation, gender identity or expression (including transgender status), genetic information or any other characteristic protected by applicable law.