Our vision for the future is based on the idea that transforming financial lives starts by giving our people the freedom to transform their own. We have a flexible work environment, and fluid career paths. We not only encourage but celebrate internal mobility. We also recognize the importance of purpose, well-being, and work-life balance. Within Empower and our communities, we work hard to create a welcoming and inclusive environment, and our associates dedicate thousands of hours to volunteering for causes that matter most to them. Chart your own path and grow your career while helping more customers achieve financial freedom. Empower Yourself. The Ideal candidate lives in the San Francisco Bay area and is excited to meet with clients in person, if needed. The Senior Private Wealth Advisor, Practice Lead (Personal Strategy) plays a vital role in helping clients achieve long-term financial success by serving as a trusted advisor and primary point of contact for high-net-worth client households. This role is focused on retaining and growing net assets over time by delivering proactive, tailored financial advice through a highly personal and strategic approach. At Empower, our mission is to empower financial freedom for all, and our vision is to transform financial lives through advice, people, and technology. As a Sr. Private Wealth Advisor – Practice Lead, you bring that mission and vision to life—ensuring that every client interaction is Easy, Personal, and Enlightening. This role requires a natural leader, someone who can confidently serve as the lead advisor within a dedicated client practice team, which includes a Wealth Advisor and a Client Experience Specialist. While not a people management position, this role will set the tone for how the team shows up for clients: leading with empathy, clarity, and insight to deliver a first-class experience. This is an opportunity to help build a first-class client experience and make a meaningful impact on the financial lives of the clients we serve. What You Will Do - Serve as the lead advisor within a dedicated client team, working in close collaboration with a Wealth Advisor and Client Experience Specialist to build lasting relationships with a dedicated book of high net worth Empower clients - Provide a first-in-class client experience servicing needs related to client onboarding, financial planning, and investor education. Collaborate with your advisory team resources to grow and maintain strong long-term relationships with highly valued clients - Comprehensive relationship management to be conducted via phone, email, and virtual meetings. Engagement is both proactive and reactive. - Retain assets under management and garner additional assets through diligent communication, proactive education, and unfailing responsiveness. - Act as liaison between clients & various internal groups/departments within Empower Personal Wealth to serve clients. - An ability to clearly explain the ‘Personal Strategy’ investment strategy; recommend, implement, and review investment strategies that align with clients’ risk tolerance and financial objectives, and engage with clients on portfolio, market, and economic discussions. - Provide clients with holistic financial planning on a large variety of subjects, including areas such as retirement planning, income optimization, tax-advantaged savings strategies, and education planning. This role will collaborate with Financial Planning Specialists on complex issues or comprehensive financial plans. - Effectively coordinate with advisory team and various EPW stakeholders for client-related requests. - Willingness and ability to effectively delegate, coach, train, and develop colleagues and resources. - Travel required to meet with clients face-to-face and build strong relationships. What You Will Bring - Bachelor’s degree in business or related discipline or equivalent experience - 10+ years related work experience in financial services and client experience - Previous experience with direct client contact while exhibiting a knowledgeable, professional demeanor is required. - FINRA Series 65 required - FINRA fingerprinting required - CFP strongly preferred - Advanced knowledge of wealth management strategies, financial planning, tax and income optimization, and estate planning - Excellent verbal and written communication skills; strong interpersonal skills; detail oriented; able to manage many time-sensitive tasks simultaneously; pro-active self-starter, strong situational awareness and contextual thinking, and strong organizational and presentation skills - Exceptional at delivering effective client consultations – always composed, professional, and skilled at establishing trust and building long-term client relationships - Proven ability to navigate multiple client needs, deliver on multi-product goals, and analyze and present investment portfolios to clients - Proficient in or ability to quickly learn: Microsoft Word, Excel, Outlook, PowerPoint, Salesforce, NetX360, and other proprietary and recordkeeping systems - Demonstrated success with high-net-worth clients, complicated planning, NPS, and client retention What Will Set You Apart - Prior experience as a high performing Advisor & Planner in the Personal Strategy solution #pjpw What we offer you We offer an array of diverse and inclusive benefits regardless of where you are in your career. We believe that providing our employees with the means to lead healthy balanced lives results in the best possible work performance. - Medical, dental, vision and life insurance - Retirement savings – 401(k) plan with generous company matching contributions (up to 6%), financial advisory services, potential company discretionary contribution, and a broad investment lineup - Tuition reimbursement up to $5,250/year - Business-casual environment that includes the option to wear jeans - Generous paid time off upon hire – including a paid time off program plus ten paid company holidays and three floating holidays each calendar year - Paid volunteer time — 16 hours per calendar year - Leave of absence programs – including paid parental leave, paid short- and long-term disability, and Family and Medical Leave (FMLA) - Business Resource Groups (BRGs) – BRGs facilitate inclusion and collaboration across our business internally and throughout the communities where we live, work and play. BRGs are open to all. Base Salary Range $136,800.00 - $198,375.00 The salary range above shows the typical minimum to maximum base salary range for this position in the location listed. Non-sales positions have the opportunity to participate in a bonus program. Sales positions are eligible for sales incentives, and in some instances a bonus plan, whereby total compensation may far exceed base salary depending on individual performance. Actual compensation offered may vary from posted hiring range based upon geographic location, work experience, education, licensure requirements and/or skill level and will be finalized at the time of offer. Equal opportunity employer • Drug-free workplace We are an equal opportunity employer with a commitment to diversity. All individuals, regardless of personal characteristics, are encouraged to apply. All qualified applicants will receive consideration for employment without regard to age (40 and over), race, color, national origin, ancestry, sex, sexual orientation, gender, gender identity, gender expression, marital status, pregnancy, religion, physical or mental disability, military or veteran status, genetic information, or any other status protected by applicable state or local law. ***For remote and hybrid positions you will be required to provide reliable high-speed internet with a wired connection as well as a place in your home to work with limited disruption. You must have reliable connectivity from an internet service provider that is fiber, cable or DSL internet. Other necessary computer equipment, will be provided. You may be required to work in the office if you do not have an adequate home work environment and the required internet connection.*** Job Posting End Date at 12:01 am on: 03-24-2026 Want the latest money news and views shaping how we live, work and play? 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• Develop and implement Olympus Medical’s corporate strategic plan, aligning with the company's mission, vision, and long-term objectives, with a focus on investments in healthy, high-growth markets to increase WAMGR and basis points (20%) • Lead the top-down planning, integration, approval and communication stages of the annual strategic planning process, including market analysis, competitive assessment, and identification of growth opportunities (15%) • Partner with Corporate Portfolio Management to analyze, advise and manage the company's investment portfolio, optimizing investments and resource allocation to maximize return on investment (15%) • Lead the process of identification of strategies that can drive growth, including organic and inorganic initiatives, with a focus on opportunities in healthy, high-growth markets that can increase the company’s WAMGR and basis points • Evaluate potential mergers, acquisitions, and strategic partnerships, participating in due diligence when required and perform financial analysis to assess feasibility and value, including financial modeling, valuation analysis, and integration strategies (15%) • Ensure a clear set of enterprise priorities that ties to company strategy is rooted in our inorganic plans and BD resource allocations • Collaborate with Business Unit leaders to ensure alignment of strategic initiatives with corporate goals and effective execution of strategic plans (10%) • Perform adjacency analysis to identify new value pools and potential market adjacencies for the company (5%) • Present strategic recommendations and business cases for new business opportunities to the executive leadership team, supporting informed decision-making and resource allocation (5%) • Conduct market research and competitive intelligence to identify emerging trends, threats, and opportunities in the MedTech industry, including market sizing, competitive landscape assessments, and technology trend evaluations (5%)

• Lead negotiations for high-value provider contracts with major hospital systems; own complex contract modeling and network adequacy technologies. • Oversee contract performance audits and remediation strategies, collaborating with Actuarial, Finance, and Medical Economics teams. • Monitor and ensure compliance with federal and state regulations, proactively identifying and closing access gaps. • Lead due diligence for network development in expansion markets and identify opportunities for optimization. • Align negotiated rates with budgeted medical cost trends and support forecasting for unit cost increases. • Analyze claims data and market dynamics to guide contract negotiations and enhance "cost-of-care" strategies. • Build and maintain executive-level relationships with integrated delivery systems and provider organizations.

Now, more than ever, the Toast team is committed to our customers. We’re taking steps to help restaurants navigate these unprecedented times with technology, resources, and community. Our focus is on building the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love. And because our technology is purpose-built for restaurants, by restaurant people, restaurants can trust that we’ll deliver on their needs for today while investing in experiences that will power their restaurant of the future. Bready* to make a change? The Fintech Risk team at Toast is responsible for driving risk informed growth for the rapidly expanding Toast Fintech line of business. We are seeking a Principal Credit Risk Analyst to lead the evaluation, monitoring, and optimization of credit risk across our lending portfolio. This role will be critical in balancing growth opportunities with prudent risk management, ensuring sustainable performance of both existing and new lending products. You’ll leverage data, advanced analytics, and cross-functional collaboration to shape how Toast assesses and manages credit risk. Your work will directly influence product design, portfolio performance, and the financial health of our merchant partners. About this roll* (Responsibilities) Credit Risk Strategy & Portfolio Management - Lead the design and execution of Toast’s credit risk strategy across multiple lending products and lifecycle stages. - Develop and refine risk frameworks, policies, and performance metrics that balance growth and credit quality. - Monitor and interpret portfolio performance, identifying emerging risks, opportunities, and portfolio optimization levers. Product Growth & Innovation - Partner with Product, Finance, Data Science, and Operations to launch and scale new lending products responsibly - Define credit strategies that align with growth targets while maintaining risk appetite - Support pricing, underwriting, and account management strategies to optimize customer acquisition and retention Analytics & Decisioning - Build and enhance risk models (scorecards, forecasting, loss models) leveraging advanced analytics - Perform deep-dive portfolio analyses to support data-driven decision-making - Evaluate external data sources, credit bureaus, and alternative data providers to strengthen risk assessment Governance & Reporting & Leadership - Ensure alignment with regulatory requirements and internal risk management frameworks - Deliver clear, actionable insights to senior leadership and governance committees. - Represent the Fintech Risk team as a thought leader, mentoring analysts and influencing decision-making across the organization. Do you have the right ingredients*? (Requirements) - - 8+ years of experience in credit risk strategy, analytics, or portfolio management, ideally within fintech, SMB lending, or financial services. - Masters Degree or higher in a quantitative field (Mathematics / Statistics / Economics / Finance / Operations Research, etc) - Proven track record in managing and scaling lending products across lifecycle stages - Strong proficiency in statistical/analytical tools (SQL, Python, R, SAS, or similar) and data visualization tools (Tableau, Hex, or similar) - Experience with credit risk analytics/modeling, stress testing, and portfolio management - Proficient verbal and written communication skills for interpreting analytic results to technical and non-technical audiences - Exceptional problem-solving and critical-thinking ability - Strong communication skills with the ability to influence stakeholders across all levels - Leadership presence with experience mentoring analysts or leading cross-functional initiatives AI at Toast At Toast we’re Hungry to Build and Learn. We believe learning new AI tools empowers us to build for our customers faster, more independently, and with higher quality. We provide these tools across all disciplines, from Engineering and Product to Sales and Support, and are inspired by how our Toasters are already driving real value with them. The people who thrive here are those who embrace changes that let us build more for our customers; it’s a core part of our culture. Our Spread* of Total Rewards We strive to provide competitive compensation and benefits programs that help to attract, retain, and motivate the best and brightest people in our industry. Our total rewards package goes beyond great earnings potential and provides the means to a healthy lifestyle with the flexibility to meet Toasters’ changing needs. Learn more about our benefits at https://careers.toasttab.com/toast-benefits. The base salary range for this role is listed below. The starting salary will be determined based on skills and experience. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions, if eligible), benefits, and equity (if eligible). Pay Range $112,000—$179,000 USD How Toast Uses AI in its Hiring Process Throughout the hiring process, our goal is to get to know you. We use AI tools to support our recruiters and interviewers with tasks like note-taking, summarization, and documentation of interviews to ensure they can be fully focused on your conversation. All hiring decisions are made by people. Diversity, Equity, and Inclusion is Baked into our Recipe for Success At Toast, our employees are our secret ingredient—when they thrive, we thrive. The restaurant industry is one of the most diverse, and we embrace that diversity with authenticity, inclusivity, respect, and humility. By embedding these principles into our culture and design, we create equitable opportunities for all and raise the bar in delivering exceptional experiences. We Thrive Together We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a strong culture of connection as we work together to empower the restaurant community. To learn more about how we work globally and regionally, check out: https://careers.toasttab.com/locations-toast. Apply today! Toast is committed to creating an accessible and inclusive hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you need an accommodation to access the job application or interview process, please contact candidateaccommodations@toasttab.com. ------ For roles in the United States, it is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.