Role Description The Markets Lead – Southern Europe / Northern & Western Europe will play a pivotal role in steering refurbed’s commercial planning through data-driven forecasting and cross-functional collaboration for the respective regional markets cluster. This role connects demand planning, market needs, and marketing investments to ensure marketing spend is aligned with overall market strategy. You will: - Work on demand forecasting processes. - Develop analytical frameworks to project sales trends. - Translate marketing and commercial inputs into actionable plans. - Ensure Refurbed’s markets remain agile, sustainable, and growth-focused. - Work closely with performance marketing, category & supply teams, CRM, product, and other commercial teams. Qualifications - 5–7 years of experience in commercial strategy, performance marketing, marketing analytics, or demand planning within e-commerce or marketplace environments. - Strong quantitative and analytical skills; advanced Excel and Looker (or equivalent BI) proficiency. - Solid understanding of marketing metrics and e-commerce funnel KPIs. - Demonstrated deep expertise in Southern European / Northern & Western European market dynamics (cultural, commercial, and competitive). - Able to translate local consumer behavior into marketing strategy; native-level understanding preferred. Requirements - Southern Europe focuses on scaling growth in developing and high-potential Mediterranean markets with strong localization and brand-building needs across Italy, Spain, Portugal, France, and Greece. - North Western Europe focuses on accelerating growth and competitive positioning in mature, high-value markets across Ireland, the UK, Belgium, the Netherlands, and Luxembourg. What You'll Do - Market Lead: Lead a cluster of markets into long-term sustainable success in growth and efficiency. - Commercial Marketing Integration: Serve as the commercial liaison by delivering market projections and insights that inform quarterly reviews and annual/quarterly budget planning. - Marketing Strategy: Define and own the end-to-end marketing strategy for your markets, using strong local consumer knowledge and insights to drive efficient scale and long-term market success. - Cross-Functional Collaboration: Align demand expectations with marketing strategies across teams by translating complex data into actionable, stakeholder-ready insights. - Demand Planning: Develop and communicate data-driven short- and long-term demand forecasts, integrating market KPIs, seasonality, and risk scenarios to guide strategic decisions. - Media Buying: Drive effective upper-funnel media strategy by coordinating with agencies and brand teams, forecasting demand impact, evaluating ROI, and owning post-campaign analyses. - Growth Projects: Identify, evaluate, and lead high-impact, data-driven growth initiatives in collaboration with cross-functional partners. - Location & eligibility: This role is open to candidates based in Europe (including UK) only with a valid right to work. Benefits - Our Culture and Values: Decisions should be made based on facts and not by hierarchy levels. - We embrace giving and receiving feedback, testing and welcoming new ideas, as well as sharing our knowledge across the company. - You fail sometimes? Well, so do we! We’re all just human, let’s learn from our mistakes to improve in the future! - No matter who you love, where you’re from, who you pray to, whether you pee sitting down or standing up – we are a bunch of talented people who enjoy spending our time making a difference! - Personal & Professional Development: Access to a dedicated learning budget within your department to support your growth. - Partnership with Likeminded for private sessions with experts for personal growth and mental health. - Frequent internal workshops to further develop skills and enhance collaboration across departments. - Flexibility: Support for a healthy work/life balance with a fully remote setting or the option to work from our office in Vienna. - Trust to self-organize your work schedule. - Invitation to office weeks three times a year for team-building events and on-site workshops. - …and much more! See https://careers.refurbed.com/ for further insights!

Title: Associate, Financial Analyst Location: New York, NY Department: Finance Job Description: OTC Markets Group Inc., operator of premier US financial marketplaces, is seeking a detail-oriented Associate, Financial Analyst who brings a strong accounting foundation combined with advanced analytical, technical, and process improvement capabilities. This role will drive data-driven insights, process optimization, and system enhancements across core accounting functions including Accounts Receivable, Accounts Payable, and financial close. The ideal candidate will go beyond transaction processing to analyze workflows, identify inefficiencies, and design scalable solutions that improve accuracy, reduce cycle times, and support strategic decision-making. The successful candidate will thrive in an environment that values transparency, continuous improvement, and purposeful collaboration. We invest heavily in employee satisfaction and offer all our employees a highly competitive compensation package. As a dynamic, growing company that fosters an open culture, we emphasize autonomy, responsibility, innovation, and self-discipline. We are looking for someone who wants to make an impressive impact at a company known for its reputation on quality and achievement. Base compensation for this role is up to $95,000.00 annually, depending on experience. This position is eligible for our discretionary annual bonus program. NOTE: We do not offer relocation for this role. What You’ll Do: Finance & Accounting Operations - Engage in and analyze core accounting processes including AR, AP, and month-end close, ensuring accuracy, completeness, and timeliness - Support and evaluate billing, collections, cash application, and vendor payment workflows to identify opportunities for improvement - Enhance reconciliations, accrual processes, and financial reporting accuracy - Deliver data-driven financial insights and variance analysis to support business decision-making - Support the Financial Planning and Analysis process - Support strategic initiatives by providing financial modeling and analytical support - Assist in preparation of quarterly and annual financial reporting filings Business Analysis & Process Optimization - Assess existing finance processes and redesign workflows to improve efficiency, scalability, and control - Lead or support process improvement initiatives (e.g., automation, reduction of manual touchpoints, cycle time compression) - Define business requirements and translate them into functional specifications for system enhancements or implementations - Develop and maintain process documentation, SOPs, and control frameworks aligned with audit requirements Data Analytics & Reporting - Build and maintain workflows, templates, and standard reports across finance systems and tools - Build and maintain financial and operational dashboards - Perform trend analysis, KPI tracking, and root-cause analysis across business and financial metrics as well as core processes - Automate recurring reporting and data workflows to improve timeliness and reliability Systems & Technology Enablement - Serve as a super-user and subject matter expert for financial systems (ERP, billing platforms, payables tools, closing solution) - Partner across the organization and with external consultants to implement and optimize tools (e.g., ERP, automation solutions, reporting platforms, AI tools and agents) - Drive adoption of automation and advanced tools to streamline accounting operations - Support system integrations, data integrity validation, and testing (UAT) for new functionality What We’re Looking For: - 2+ years of experience in accounting, finance operations, or business analysis - Strong foundation in AR, AP, and/or financial close processes - Advanced proficiency in Excel (data analysis, modeling, automation) - Familiarity with programming languages (e.g., Python), machine learning and LLMs, and predictive analytics techniques, a plus - Experience with financial systems (e.g., Sage Intacct, Blackline) preferred - Demonstrated ability to analyze processes and drive measurable improvements - Experience translating business needs into technical or functional requirements, a plu - Strong attention to detail with an ability to manage multiple priorities What Makes You a Great Fit - You think like an operator and an analyst, not just a processor - You proactively identify inefficiencies and propose scalable, technology-driven solutions - You are comfortable working with data, systems, and cross-functional stakeholders - You focus on business outcomes, such as cycle time reduction, accuracy improvement, and cost efficiency - You thrive in environments that value continuous improvement, innovation, and accountability What OTC Markets Offers its Team Members (Why You Should Choose Us): Benefits: - Generous Paid Time Off (PTO) - Health, Dental, and Vision Coverage - Health Savings Account (HSA) - Flexible Spending Accounts (FSA) Dependent & Healthcare - Limited Purpose Flexible Spending Account (LPFSA) - Generous Paid Parental Leave Program - Discretionary Annual bonus and Stock Incentive Program - 401(K) Plan - Retirement - Commuter Transit & Parking Program - Income Protection (Life Insurance, Short- & Long-Term Disability) - Voluntary Benefits (Accident, Critical Illness, & Hospital Indemnity) Perks: - Hybrid Work Schedule - Class Pass Partnership (Fitness & Wellness Programs) - Citi Bike Membership Program - Mondays – Breakfast Bagels & Wednesdays – Pizza Lunch - Office Snacks and Beverages - Monthly birthday celebrations We are an equal opportunity and E-Verify employer and prohibit discrimination and harassment of any kind. All employment decisions are based on business needs, job requirements, and individual qualifications, without regard to race, creed, color, religion, gender, national origin, age, marital status, political belief, physical or mental disability, sexual orientation, military or veteran status, genetic information, family or parental status, gender identity, pregnancy, including childbirth or related medical condition, or any other characteristic protected by federal, state, or local law.

• Review and respond to customer technology, security, and product-specific questionnaires for Aible Clinic solutions using approved response repositories • Provide clear, accurate, and consistent written responses to inquiries from hospital IT, security, and data governance teams on topics including information security, privacy, data rights, system configuration, data transfer, and AI-related capabilities • Partner closely with a senior Cyber Information Assurance Analyst who will review and approve responses prior to submission to customers • Identify questions not covered by existing repositories and collaborate with the senior analyst to escalate, research, and develop new standardized responses • Contribute to the maintenance and continuous improvement of questionnaire response repositories by identifying gaps, outdated content, and opportunities for reuse • Support customer calls in a limited capacity, including clarifying questionnaire responses or providing technical context alongside senior team members • Adhere to established information assurance, compliance, and documentation standards while maintaining a professional, customer-focused communication style • Build working knowledge of Aible Clinic technologies, data flows, and security posture to effectively support customer assurance needs

Title: Sr. Risk Analyst Location: Vacaville, California Payments Description Candidates must reside within a commutable distance to the communities that Travis Credit Union serves: Alameda, Colusa, Contra Costa, Merced, Napa, Placer, Sacramento, San Joaquin, Solano, Sonoma, Stanislaus and Yolo counties. This position is considered hybrid so you must be within a commutable distance to our corporate headquarters in Vacaville, CA. Summary: Travis Credit Union’s (TCU) Risk Analyst is responsible for identifying, analyzing, and mitigating fraud-related risks to protect the credit union and its members. The responsibility of the role spans across credit union membership inclusive of consumer and business relationships, member engagement channels and all payment types. This role involves data analysis, monitoring transactions, assessing potential risks, tuning fraud mitigation tools balanced to risk tolerance and member experience, completing root cause analysis of suspicious activities, building and maintaining fraud metrics at a product level, and implementing strategies to prevent emerging fraud trends. The Risk Analyst works cross functionally with a diverse set of stakeholders from the business as well as shared services functions ensuring compliance with regulatory standards while improving fraud detection and prevention measures. This role is ideal for individuals who are analytical, proactive, and passionate about combating fraud and ensuring financial security. Profile: - Reviews and analyzes financial transactions for unusual or suspicious patterns resulting in the continual optimization of fraud risk mitigation tools and processes. - Reviews and analyzes KYC identity proofing solutions for unusual or suspicious patterns resulting in the continual optimization of physical and digital identity proofing solutions. - Assesses fraud risk trends and patterns to develop proactive prevention strategies leveraging predictive analytics. - Performs root-cause analysis to identify vulnerabilities in processes or systems. - Provides detailed risk assessments and recommendations to mitigate potential threats. - Builds, optimizes and reports out on fraud performance on a monthly basis. - Conducts complex link analysis on large scale fraud events. - Prepares comprehensive reports with findings, supporting evidence, and recommendations. - Collaborates with law enforcement and regulatory agencies on fraud cases when necessary. - Ensures adherence to regulatory requirements and internal fraud prevention policies. - Contributes to the development and updating of fraud prevention, risk tolerance and risk management policies. - Works with internal and external teams (e.g., branch banking, contact centers, compliance, legal, digital banking, deposit product, lending product, operations, card processor, software suppliers, fraud working groups, etc.) to enhance fraud detection measures. - Contributes to the building of fraud training and awareness sessions on fraud prevention to credit union employees. Skills: - Proficient in data analytics tools such as R, Python, SAS, Tableau, PowerBI and Excel. - Working knowledge of banking risk management platforms. - Strong knowledge of regulatory requirements related to fraud and financial crime. - Strong working knowledge of fraud authorization, authentication, identity proofing, dispute resolution and loss recovery solutions. - Analytical and detail-oriented mindset. - Strong communication and report-writing skills. - Strong working experience with retail payments and consumer-based fraud tools preferred. - Working understanding of lean six sigma measurement systems preferred. - Ability to handle sensitive information with discretion and professionalism. - May require working under tight deadlines and handling high-pressure situations. Experience and Compensation - Senior Risk Analyst – Grade15/Exempt/$82,680.00 – $102,128.00 annually - Reports directly to assigned department leadership. - Self-starter and ability to work independently with periodic guidance with decision authority up to $100k in annualized value. - Bachelor’s degree in Data Science, Finance, Business Administration, or Criminal Justice with a minimum of 5 years of equivalent work experience; or 9 years of equivalent work experience. - Certifications such as a CFE (Certified Fraud Examiner) or CRMA (Certified Risk Management Assurance) or Lean Six Sigma preferred. - Risk Analyst Lead – Grade 17/Exempt/$98.238.40 – $121,347.20 annually - Reports directly to assigned department leadership. - Self-starter and ability to work independently with periodic guidance with decision authority up to $250k in annualized value. - May be responsible for the coordination of other Risk Analysts daily activities. - Bachelor’s degree in Data Science, Finance, Business Administration, or Criminal Justice with a minimum of 7 years of equivalent work experience; or 11 years of equivalent related work experience. - Minimum of 1 year of leading/mentoring junior level team members. - Certifications such as a CFE (Certified Fraud Examiner) or CRMA (Certified Risk Management Assurance) or Lean Six Sigma preferred. Our compensation philosophy is based on several factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, and key skills. At Travis Credit Union, our priority is that our employees and their loved ones are provided with a Total Rewards program that ensures their health and welfare safety which allows our employees to focus on the financial welfare of our members and the credit unions objectives. As such, Travis Credit Union offers a robust benefits package to our eligible employees, including competitive medical, dental, and vision insurance, mental health offerings, employee performance incentive plan, merit increases, 401(k) program with immediately vested employer match, generous holiday and vacation policy, and extensive TCU specific perks like employee loan and credit card discounts! Travis Credit Union is an Affirmative Action Employer EOE/Individual with Disability/Veteran Status