JOB SUMMARY The Credit & Collections Representative is responsible for recovering overdue payments, resolving payment discrepancies, managing account adjustments, and supporting credit-related activities. This role works closely with customers and internal teams to minimize financial risk while maintaining strong customer relationships. The Credit & Collections Representative manages collections across multiple payment platforms (e.g., Stripe, ACH, Plastiq, Net Terms), monitors aging reports, evaluates customer payment behavior, conducts credit reviews using established tools and guidelines, and analyzes payment and dispute trends to support effective risk management and collections performance. This position requires strong analytical capability, sound judgment, and the ability to manage multiple priorities in a fast-paced environment. ESSENTIAL JOB DUTIES AND RESPONSIBILITIES Collections & Payment Resolution - Execute outbound collections efforts to resolve past-due balances in a professional and timely manner. - Respond to inbound payment inquiries and customer account issues using systems such as NetSuite, Salesforce, Slack, and related tools. - Apply and reconcile payments across multiple platforms (Stripe, ACH, wires, Plastiq, Net Terms), resolving short payments, unapplied balances, failed transactions, and discrepancies. - Investigate and resolve chargebacks, disputes, and payment processing issues. - Manage order cancellations, refunds, and bid blocking/unblocking in accordance with company policy. - Maintain accurate AR aging and detailed documentation of collection activity and account adjustments. Credit & Risk Management - Monitor customer payment behavior and AR aging to identify delinquent or high-risk accounts. - Conduct credit reviews for new and existing customers using tools such as Dun & Bradstreet and internal financial data. - Recommend credit holds, payment restrictions, or term adjustments in accordance with company guidelines. - Support credit approval workflows and documentation requirements. - Maintain compliance with financial controls and audit standards. Analytics & Escalation Support - Analyze aging reports, payment activity, and dispute trends to identify patterns, root causes, and opportunities to improve collections performance. - Support resolution of complex, high-value, or sensitive accounts in partnership with leadership and cross-functional teams. - Assist with large-balance or high-risk customer cases by providing account analysis, documentation, and payment history insights. - Track delinquency trends, recovery performance, and financial risk exposure to support team reporting. - Contribute to collections performance reporting and maintain audit-ready documentation for account adjustments and credit-related decisions. - Identify recurring payment issues and share insights to support process improvements and risk mitigation efforts. Collaboration & Process Improvement - Prioritize workload effectively using Salesforce and other internal systems. - Partner cross-functionally with Sales, Customer Success, and Finance to resolve payment issues and improve customer experience. MINIMUM QUALIFICATIONS - 5+ years of experience in Credit & Collections, Accounts Receivable, or related financial operations. - High school diploma, GED, or equivalent required. - Experience managing collections and payment recovery across multiple payment platforms (Stripe, ACH, wires, Net Terms, or similar). - Experience applying and reconciling customer payments and resolving account discrepancies. - Experience conducting credit reviews and assessing customer payment risk. - Experience working with ERP and CRM systems (NetSuite, Salesforce, or similar). - Proficiency in Microsoft Excel and Google Sheets, including pivot tables and formulas. - Strong analytical, organizational, and problem-solving skills. - Excellent written, verbal, and interpersonal communication skills. - Ability to manage multiple priorities independently while collaborating across teams. PREFERRED QUALIFICATIONS - Experience in high-volume AR or collections environments. - Experience using business intelligence or reporting tools (e.g., Metabase, Tableau, or similar). - Familiarity with global debt collection practices or international customers. - Experience working in complex, multi-system financial environments. - Exposure to workflow optimization or process improvement initiatives. The pay rate for this role will range between $26.92 to $32.00, per hour. We consider many factors when determining salary offers, such as the applicant’s work experience, education and training, skills, market data, and internal equity. EMPLOYEE BENEFITS - Competitive compensation packages, including bonus and options - Medical, Dental, and Vision benefits - Paid Time Off, telecommuting, and matching 401(K) - Support for continuing education - Team offsites, social events, and extracurricular activities are a staple - Snacks, drinks, and the occasional box of donuts THE COMPANY B-Stock is the world's largest B2B re-commerce platform, connecting sellers and buyers of returned, trade-in, and overstock inventory. Our customers range from today’s top brands and retailers that want best-in-class inventory resale management to tens of thousands of entrepreneurs looking to purchase valuable merchandise for their resale businesses. While the amount of returned and overstock inventory continues to grow, there is also growing pressure on retailers and consumers to adopt a more circular economy and keep products in use as long as possible. Accordingly, the need for re-commerce solutions - to find products a second life - has never been greater! At B-Stock we’re proud to play a large part in powering resale, reuse, and the circular economy through our platform: annually we sell over 130 million items across all categories and conditions, equating to 400 million pounds of inventory. We believe there is tremendous value in and demand for this inventory - no matter the category, condition, or location. With hundreds of thousands transactions completed annually, B-Stock gives buyers a simple and direct way to buy valuable products directly from retailers and offers sellers a technology-driven replacement for traditional resale methods, while boosting operational efficiency, recovery rates, and cycle time. Led by eBay veterans and backed by top investors including Spectrum Equity, True Ventures, and Susquehanna Growth Equity, B-Stock shows no signs of slowing down. Our core values have shaped the company we are today and will continue to drive our success for many years to come. For more information, visit bstock.com/careers/ OUR VALUES Make Each Dollar Count Whether it’s the recovery amount or a buyer’s budget, money matters to all of our clients. And because each dollar matters to them, it matters to us. Take Our Work Seriously, Not Ourselves Everything at B-Stock continues to grow - everything but our egos, that is. We’re not afraid to let loose and laugh (often at ourselves). Do The Hard Things Today That Will Pay Off Tomorrow We’re willing to sacrifice and endure, fail and adapt to reach our long-term goals. Use Trust As The Best Measure Of Success The trust we earn along the way is more valuable than money. Without trust from both our buyers and sellers, our business won’t succeed. Find Strength In Numbers Use our passion for data to provide value to our customers, improve ourselves, and develop new ways to delight our buyers and sellers. No applicant will face discrimination/harassment based on race, color, ancestry, national origin, religion, age, gender, marital domestic partner status, sexual orientation, gender identity, disability status, or veteran status. Above and beyond discrimination/harassment based on “protected categories,” B-Stock also strives to prevent other, subtler forms of inappropriate behavior (e.g., stereotyping) from ever gaining a foothold in our office. Whether blatant or hidden, barriers to success have no place at B-Stock. Work Authorization required.

A position at White Cap isn’t your ordinary job. You’ll work in an exciting and diverse environment, meet interesting people, and have a variety of career opportunities. The White Cap family is committed to Building Trust on Every Job. We do this by being deeply knowledgeable, fully capable, and always dependable, and our associates are the driving force behind this commitment. Job Summary Responsible for managing daily credit and collections activities in alignment with company credit policies. The role plays a critical part in mitigating credit risk, protecting accounts receivable, and supporting long-term financial stability. Major Tasks, Responsibilities and Key Accountabilities •Identifies and mitigates financial risks using analytics and reporting to detect trends and prevent delinquencies. •Provides recommendations based on data-driven insights to improve cash flow and minimize bad debt exposure. •Executes and manages mechanic’s lien filings and other legal measures to secure accounts receivable and ensure payment security. •Assesses customer creditworthiness using credit reports and key performance indicators to extend credit judiciously. •Applies credit policies that align with the Risk Framework to support business growth while minimizing credit exposure. •Monitors and improves collections KPIs such as DSO, past due balances, and unapplied cash to maintain a healthy A/R portfolio. •Maintains a high-quality accounts receivable portfolio by ensuring credit decisions are based on prudent risk review. •Escalates customer issues and root-cause drivers of disputes to sales leaders to improve processes and service. •Applies credit holds strategically to meet financial goals while preserving customer relationships. •Other duties as assigned. Nature and Scope - Refers complex, unusual problems to supervisor. - Under general supervision, exercises some judgment in accordance with well-defined policies, procedures, and techniques. Work typically involves regular review of output by a senior coworker or supervisor. - None. Work Environment - Located in a comfortable indoor area. Any unpleasant conditions would be infrequent and not objectionable. - Most of the time is spent sitting in a comfortable position and there is frequent opportunity to move about. On rare occasions there may be a need to move or lift light articles. - No travel required. Education and Experience - HS Diploma or GED strongly preferred. Specialized skills training/certification may be required. Generally 2-5 years of experience in area of responsibility. Preferred Qualifications - 2-5 years’ B2B Collections experience - REQUIRED. - Experience in credit, collections, and/or accounts receivable in the construction/supply industry - Preferred. - Strong communication and problem-solving skills. - Prior customer service experience. - Experience using Excel. - Knowledge of Oracle, getpaid, or related software – Nice to have. - Hawaiian culture experience is highly desired. - WORK HOURS: 7:00 AM to 4:00 PM HAWAII TIME (UTC-10) - This position is 100% remote. If you’re looking to play a role in building America, consider one of our open opportunities. We can’t wait to meet you. For Hawaii job seekers: Pay Range $22.20-$32.20 Hourly Hawaii law requires the posting of the salary range for advertised jobs. This range is determined based on market data and internal pay practices to establish a minimum and maximum value for a job. Individual base pay is determined based on a variety of elements including experience, skills, internal equity and other factors. For additional details on benefits, please review the full job description on White Cap Jobs

Join the People Helping People Velera is the nation’s premier payments credit union service organization (CUSO) and an integrated fintech solutions provider. The company serves more than 4,000 financial institutions throughout North America, operating with velocity to help our clients keep pace with the rapid momentum of change and fuel growth in the new era of financial services. Our purpose: We accelerate partners’ success through innovative financial technology solutions and inspired service. The Opportunity: The Strategy and Implementation Consultant is a thought-leader responsible for the creation, development, improvement and/or implementation of strategic solutions to advance Velera’s consulting services to elevate our clients’ position in the marketplace. This individual will collaborate with key stakeholders across data, marketing, operations, sales and consulting teams to identify new or refine existing consulting solutions to deliver compelling services through process refinement, cross-functional opportunities, operational efficiencies, market research, and new strategic opportunities. Day in the Life: - Propel the consulting organizations offering for advisory services through the development or refinement of strategic solutions to improve clients’ organizational health - Demonstrate superior communication, collaboration and project management skills to successfully enhance or launch consulting solutions across the Consulting organization - Monitor financial services industry, consulting team and client needs to identify emerging opportunities for consideration to drive innovation within strategic offering to clients - Develop business plans to support funding and adoption of emerging services into consulting practice - Identify, document, and implement procedures and process improvements across consulting organization to create best-in-class solutions, consistent execution and efficiencies - Review and establish consistent deliverables across consulting organization through the development and maintenance of a catalog of market-facing consulting engagements, engagement bundles and subscriptions services with coinciding artifacts for each solution - Partner with data, marketing, operations, sales and consulting teams to deliver or enhance solutions to consistently meet or exceed client expectations, address market demand, optimize client performance and positively impact revenue - Establish strong working relationships with a variety of internal and external partners to ensure flawless implementation of new or enhanced solutions - Work closely with stakeholders to elicit, define and refine business requirements, translating identified needs into next-best-action within available solutions or identify new solutions to support requirements. - Partner with identified Growth teams in new solution development or solution enhancements to capture critical feedback to release industry-leading solutions - Interact effectively, proactively and responsively with the highest levels of executive management, both externally with senior executives of FIs and internally within Velera - Act as a professional resource and mentor in contributing both to client engagements and internal discussions with Velera consultants - Champion change leadership to enhance Velera’s consulting services and foster a culture of entrepreneurial innovation where consultants are driven to find new solutions that benefit our clients - Lead and mentor preparation, articulation, and execution of business cases and implementation plans, including commercialization tasks across Advisors Plus and Velera. - Engage key stakeholders, internally and externally, in dialogue and problem-solving to support consulting team in identifying new consulting solutions in pursuit of outstanding client satisfaction - Maintain in-depth knowledge of trends and developments within financial services industry to determine future strategies and potential mutually beneficial partnership opportunities - Perform all other duties as assigned Qualifications: - Ten (10) years of experience in a combination of payments, product, or operations in the banking industry - Five (5) years of experience in strategy, data, analytics, preferably in the banking industry Education: - Bachelor’s Degree in Business, Analytics, Economics, Marketing, or equivalent combination of education and experience required - Master’s degree preferred About Velera At Velera we are committed to fostering a workplace where every employee feels valued, respected, and connected. We understand, attract and engage a diverse workforce where every employee can live up to their full potential; ensuring that our employee base reflects the consumers we serve. The result of this effort is an inclusive environment where diverse talent thrives. We strive to foster a safe and inclusive work environment for people to bring their authentic selves in order to build a better community within our company and with our partners. Learn more about our commitment to Diversity, Equity, and Inclusion HERE! Pay Equity $110,100.00 - $143,100.00Actual Pay will be adjusted based on experience and other job-related factors permitted by law. Great Work/Life Benefits! - Competitive wages - Medical with telemedicine - Dental and Vision - Basic and Optional Life Insurance - Paid Time Off (PTO) - Maternity, Parental, Family Care - Community Volunteer Time Off - 12 Paid Holidays - Company Paid Disability Insurance - 401k (with employer match) - Health Savings Accounts (HSA) with company provided contributions - Flexible Spending Accounts (FSA) - Supplemental Insurance - Mental Health and Well-being: Employee Assistance Program (EAP) - Tuition Reimbursement - Wellness program - Benefits are subject to generally applicable eligibility, waiting period, contribution, and other requirements and conditions Velera is an Equal Opportunity Employer. We consider applicants without regard to race, color, religion, age, national origin, ancestry, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, veteran status, disability, genetic information, citizenship status, or membership in any other group protected by federal, state or local law. Velera is an Equal Opportunity Employer that complies with the laws and regulations set forth in the following "EEO is the Law" Poster. Velera will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the legal duty to furnish information. Velera is an E-Verify Employer. Review the E-Verify Poster here. For information regarding your Right To Work, please click here. This role is currently not eligible for sponsorship. As an ongoing commitment to reasonably accommodate individuals with disabilities please contact a recruiter at recruiters@velera.com for assistance.

Position Summary: ADT is committed to hiring team members who are passionate about providing exceptional customer service - people who understand the importance of customer satisfaction and what it means to their career development. As a company that is well-positioned to continue meeting and exceeding our customers' evolving needs, ADT also takes pride in upholding a rewarding work experience for all of our team members. Duties and Responsibilities: - Resolve inbound and outbound calls by using multiple applications and screens. - Respond to general billing inquiries to review and resolve account issues. - Ability to negotiate and obtain payments today or postdate within 7 days. - Direct customers to appropriate team within ADT if issue is outside the scope of the collection’s role. - Ability to clearly explain billing charges and answer any questions related to billing. - Ask probing questions to overcome objections by utilizing negotiation skills. - Meet minimal standards/goals monthly. - Meet all compliance and QA standards. - Flexibility with special projects which may require overtime. - Maintain appropriate attendance and adherence goals. - High speed internet required: DSL, Cable or Fiber internet service with the ability to hardwire via ethernet from cable modem to your PC. - 5G Home Internet and Fixed wireless internet are NOT accepted providers. - Internet speeds of at least 25 mbps to download and 15 mbps to upload. Education/Certification: - High school diploma or equivalent. Experience: - Minimum of one (1) years in first-party collections (non-A/R), specific relatable experience includes: Car loan, financial and credit card collections including taking payments from customers and/or setting up payment arrangements, advising required payment amount - Customer Service experience in a remote setting - Multi Computer-screen navigation, multiple applications, strong negotiation skills Skills: - Basic typing, math, and problem-solving skills - Strong communication and verbal skills - Ability to multitask with multiple computer programs. - PC experience and/or ability to learn basic functions. Training: - This role is onsite training in our Irving, TX location for 10+ weeks (dependent on readiness) before transitioning to a remote work from home. Candidates must reside 30-miles from Irving, TX site location for onsite training before transitioning to remote. - Training time: Monday - Friday, 8:30am - 5:30pm Schedule: - Our department is closed on weekends and most holidays, allowing our employees to enjoy every weekend off! - This role offers a shift schedules ranging from 10:00am to 12:30pm EST start time Monday – Friday. Pay and Benefits Disclosure: The starting hourly rate for this position is $17.00 per hour and will reach $20.00 per hour after 180 days of employment. (You will receive incremental increases of .50 every 4 weeks until the rate of $20.00 is reached). We offer employees access to healthcare benefits, a 401(k) plan and company match, short-term and long-term disability coverage, life insurance, wellbeing benefits and paid time off among others. Employees accrue up to 120 hours in their first year. Your accrual rate increases after your first year. We also offer 6 paid holidays. Anticipated application end date will be 4.6.26. This role is scheduled to start 4.27.26. Company Overview: ADT has been in the business of helping save lives since 1874. As the #1 smart home security provider in the U.S., we help protect and connect families, businesses and larger commercial customer every day. Our continuous innovation, advanced technology and strategic partnerships deliver products and services that help protect life and valuables, whether at home, your business or on the go. And as times change, so do we. Above all, our mission is clear: we help save lives for a living. Looking for a career where you can make a real impact? Join our team today and put purpose behind your paycheck. #WeAreADT ​ Check out more about life at ADT here.