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<h3>Job Description</h3>
Job Description
First Western Bank &amp; Trust has a full-time opening for a Teller at the Chandler, AZ location.
We offer eligible employees and their dependents comprehensive health benefits and programs, which may include insurance for medical, vision, dental, and more, to help you take care of yourself and your family. Other benefits for eligible employees include 401k with company match, company contribution to Health Savings Account, banking benefits, short-term disability, life and long-term disability, bonding leave, holidays, sick leave, and vacation.
With all the benefits listed above, this is a great opportunity for the right candidate!
TELLER OVERVIEW: 
Provide prompt, courteous, efficient, and accurate service while handling customer banking matters in support of First Western Bank &amp; Trust’s sales and service objectives while adhering to the bank’s culture of customer service excellence. 
<ul>
<li>Perform teller opening and closing procedures to ensure teller stations and bank access areas are readied each day </li>
<li>Provide excellent customer service by greeting customers in person or on the phone in a timely, courteous, and professional manner</li>
<li>Properly identify each customer in accordance with bank policy and uphold confidentiality of customer and proprietary information</li>
<li>Maintain responsibility for cash drawer and follow proper balancing procedures</li>
<li>Handle a wide variety of customer banking matters accurately and efficiently; includes cashing checks; making checking and savings account deposits and withdrawals; processing credit card, loan and ACH payments; calculating loan payoffs; redeeming savings bonds; processing coin and currency orders; ordering new and issuing temporary checks; selling and issuing gift cards and travel cards; and wire transfers </li>
<li>Assist customers with debit card maintenance and account maintenance; includes name changes, address changes, deposit product changes, and CD renewals</li>
</ul>
TELLER QUALIFICATIONS
<ul>
<li>High School diploma or general education degree (GED) required</li>
<li>One year of banking experience preferred</li>
<li>Knowledge of customer service principles and practices</li>
<li>Knowledge of administrative and clerical procedures</li>
</ul>
TELLER SKILLS/ABILITIES
<ul>
<li>Must be a team player with excellent interpersonal skills, strong written and oral communication skills, active listening skills, and proven customer service skills </li>
<li>Must be detail oriented, able to work under minimal supervision, stay poised under pressure, manage multiple tasks at one time, and interact with co-workers and customers in a professional manner</li>
<li>Must have proficient spoken and written English language skills</li>
<li>Must have cash handling, general math, and computer skills</li>
</ul>
 
First Western Bank &amp; Trust is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, or veteran status.

Teller

<h3>Job Description</h3>
Job DescriptionDescription:
Member Experience Representatives (MERs) build relationships and cultivate financial wellness empowering people to focus on what matters. MERs deliver extraordinary service by creating value for Members through recommending appropriate products and services to which will help them make money, save money, save time, and add peace of mind and convenience to their lives. 
<ul>
<li>Provide extraordinary member service by being knowledgeable, engaging with Members, making Members feel valued and consistently applying defined service standards. </li>
<li>Listen actively to fully understand and answer Members’ questions/concerns, and offer guidance to appropriate products and services. Proactively identify and make appropriate qualified referrals for Members that will help them make money, save money, save time, and/or add convenience and peace of mind. Look for ways to enhance members’ relationships by building trust and confidence.</li>
<li>Accurately process transactions in accordance to the MER 1 responsibilities, including but not limited to, cashing checks, receiving deposits and payments, processing withdrawals, conducting information inquiries, processing credit card advances, processing withdrawals, processing transactions from night depository, etc. </li>
<li>Review all activities for compliance with established policies, procedures and regulations.Regulations include but are not limited to: Bank Secrecy Act / Anti-Money Laundering / Office of Foreign Assets Control regulations. Participate in annual training as required by the BSA/OFAC Compliance Officer.</li>
<li>Balance assigned cash drawer during and at the end of each work day.</li>
<li>Perform miscellaneous duties such as end of day activities, filing, answering phones, maintaining supplies, etc.</li>
</ul>
 
 
 
 
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Requirements:
<ul>
<li>Must have High School Diploma or equivalent</li>
<li>Previous financial industry experience preferred</li>
<li>Must be able to learn and apply a variety of software applications </li>
<li>High degree of accuracy and attention to detail</li>
<li>Prior experience in a retail service environment to include cash handling and member service preferred </li>
</ul>

<h3>Job Description</h3>
Job DescriptionDescription:
Job Summary Overview
The position is responsible for providing an excellent member experience by showing care, delivering service with energy, and taking ownership of being an expert in problem resolution.
 
Essential Job Functions
<ul>
<li>Processes transactions, including cash handling.</li>
<li>Maintains in-depth knowledge of products, services, and partnerships.</li>
<li>Identifies and offers products and services that are in the member’s best interest (there is a minimum goal of successful referrals required per month).</li>
<li>Emphasizes the features of products to highlight how they solve member problems to achieve sales goals.</li>
<li>Develops and maintains interpersonal skills to work with a wide variety of people each day and build relationships to achieve sales goals.</li>
<li>Displays confidence and strong self-assuredness to succeed in speaking with members and making a sale to achieve sales goals.</li>
<li>Conveys clearly the benefits of a product to members to achieve sales goals.</li>
<li>Uses consultative sales techniques to proactively offer products and services that are in the member's best interest/help them achieve financial success. </li>
<li>Completes account maintenance requests.</li>
<li>Educates members on self-service options (online/mobile banking, ATMs, etc.).</li>
<li>Serves as Lobby Director and welcomes every member into the branch and actively guides them through their service experience.</li>
<li>Adheres to security guidelines (BSA, CIP, CTR, SAR).</li>
<li>Improves continuously through applying feedback.</li>
<li>Performs other job-related duties as assigned.</li>
</ul>
Requirements:
Position Required Qualifications
 
Minimum Education and Experience
High School diploma or GED and one (1) year experience in retail, customer service or a financial institution. 
 
Knowledge, Skills, and Abilities
Knowledge of PC software applications in Windows and Word. Ability to type 45 words per minute. Ability to read, write, speak, and use proper grammar in English. Ability to read, interpret and analyze written instructions, correspondence, and procedure manuals. Ability to write simple business correspondence. Ability to communicate verbally both in person and on the telephone. Ability to speak effectively to members regarding sensitive inquiries or complaints. Ability to apply commonsense understanding when dealing with problems involving variables in standardized situations. Ability to calculate rates, ratios, and percentages.
 
Licenses, Training, and Certifications Required
None.
 
Preferred Qualifications
None.
 
Hybrid Work Environment and Physical Demands
<ul>
<li>Occasionally required to stand, walk, climb or balance; stop, kneel, crouch or crawl. </li>
<li>Regularly required to sit; use hands to finger keys accurately when using calculator machines or computer keyboards; reach with hands and arms. </li>
<li>Regularly lift and/or move up to 25 pounds. </li>
<li>Specific vision abilities required by this job include close vision, distant vision, peripheral vision, depth perception, ability to adjust focus. </li>
<li>The noise level in the work environment is usually moderate. </li>
<li>Must be able to travel independently to departments and branch locations. </li>
</ul>
 
NOTE: The job description is intended to be generic in nature. It is not an exhaustive list of all duties and responsibilities. Requirements listed in the above qualifications and physical requirements are representative of the knowledge, skill, abilities, physical demands, or work environment required or encountered that must be met by an employee to successfully perform each duty and each function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.
 
Employees who work from home must have business operational internet to complete work tasks and communicate via video call or chat messaging systems in a dedicated work space.

<h3>Job Description</h3>
Job DescriptionDescription:
Are you looking for a rewarding career with an organization that puts people first? Credit Union of Georgia is looking for a talented Teller to help our growing Johnson Ferry branch.
 
Our tellers provide exceptional member service including efficient and accurate transaction processing including but not limited to deposits, withdrawals, cash advances, loan payments, transfers and check cashing with quality member service.
 
Responsibilities
<ul>
<li>Responsible for upholding Credit Union of Georgia brand standards including following all of the steps of our unique member experience and to Engage, Ask, Solve and Excite and deliver top level member service.</li>
<li>Responsible for efficient and accurate transaction processing, answering member questions concerning Credit Union services and direct members to appropriate department for specific information and service.</li>
<li>Receive and process member financial transactions, including deposits, withdrawals and loan payments, re-pin debit cards; sell money orders and gift cards to members; transfer amounts from member accounts as directed.</li>
<li>Post transactions to member accounts and maintain member records with minimal errors as defined in the Teller Standards.</li>
<li>Balance cash drawer and complete daily transactions with minimal errors as defined in the Teller Standards.</li>
<li>Perform a variety of miscellaneous tasks including scanning checks and teller work, filing, computer input, assisting members as needed with the Coin Sorter, or answering the telephone.</li>
<li>Upsell products and services of the Credit Union</li>
<li>Other duties as assigned.</li>
<li>Abides by, and maintains current and thorough knowledge of Credit Union policies and procedures.</li>
</ul>
Requirements:
Experience
<ul>
<li>1+ years practical work experience.</li>
<li>No teller experience required, but cash handling and customer service experience is strongly preferred.</li>
</ul>
Education
High school degree or GED required.
 
Interpersonal Skills
Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving and obtaining information, as well as advising or referring, which commonly require shorter discussions.
 
Credit Union of Georgia is an equal opportunity employer.
 
No phone calls please.

<h3>Job Description</h3>
Job DescriptionDescription:
As a credit union Teller, the responsibilities include processing member transactions, overseeing cash withdrawals and check deposits. 
· Support member engagement by processing teller transactions and making appropriate introductions to member service representatives.
· Complete operational activities while minimizing risks under established policies.
· Perform routine transactional, operational, and member service support tasks efficiently through knowledge of credit union procedures and products, as well as partners across the organization.
· Receive directions from managers and exercises judgment within defined policies and procedures
· Escalate questions and issues to more experienced roles
· Interact with members and individuals to demonstrate care, build relationships, and complete requested transactions
Requirements:
Required Qualifications
· 6+ months’ experience interacting with customer/members, or equivalent demonstrated through work experience, or training.
· Member service focus with experience handling complex transactions across multiple systems
· Experience working with others on a team to meet member needs
· Cash handling experience
· Ability to follow policies, procedures, and regulations
· Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
· Well organized, independent and able to prioritize in a fast-paced environment
· Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
· Proficient with proactively sourcing, acquiring, building, and maintaining relationships with members and colleagues 
· High School graduate or equivalent
Work Environment
· Office setting with standard working hours
· Ability to work a schedule that includes most Saturdays

<h3>Job Description</h3>
Job DescriptionDescription:
The mission of Oklahoma Central Credit Union is to make a difference in the lives of our employees, our members, and the communities we serve. We know we have to make a difference in the lives of our employees for them to make a difference for our members and communities.
 
In your role as Teller at our Garnett branch, you will be responsible for handling member transactions and delivering outstanding member service.
 
In this role you will:
<ul>
<li>Process member financial transactions including deposits, withdrawals, money transfers and loan payments</li>
<li>Identify and resolve member service issues</li>
<li>Balance cash drawer and daily transactions accurately</li>
<li>Assist with Cash Vault, CDM and ATM functions</li>
<li>Cross-sell credit union products and services based on member needs</li>
<li>Contribute to branch and credit union goals and objectives</li>
<li>Deliver service to both internal and external members that are in alignment with the credit union’s Service Promise.</li>
</ul>
Benefits you can expect when you join Oklahoma Central Credit Union:
<ul>
<li>Competitive pay - Cha-ching!</li>
<li>Work-life balance - Your family, hobbies, and life outside of work are important to us!</li>
<li>401 (k) retirement plan - You contribute to our future, so we contribute to yours!</li>
<li>Best-in-class healthcare coverage - Helping you stay healthy!</li>
<li>Generous PTO and federal holidays - We prioritize what matters!</li>
<li>Community Service - We believe in giving back to the community and you'll receive up to 40 hours of paid volunteer time off!</li>
</ul>
Requirements:
 
Who we're looking for:
You’re a friendly person, a great communicator, and you enjoy helping people. You are detail oriented and know how to stay focused while juggling multiple tasks.
 
You'll need to have:
<ul>
<li>High school diploma, GED or higher</li>
<li>A willingness to work Saturdays</li>
<li>Previous experience working in customer service, teller experience or cash handling</li>
</ul>
Even better if you have:
<ul>
<li>Prior financial institution experience</li>
<li>Working knowledge of a computer</li>
<li>General math aptitude</li>
</ul>
 
Oklahoma Central Credit Union is proud to be an Equal Opportunity Employer and Drug Free Workplace!

<h3>Job Description</h3>
Job Description
About MCU:
At Municipal Credit Union, we believe that an incredible culture helps create a happy and motivated team that works hard to achieve the best results for themselves and their members. For more than 100 years, MCU has provided affordable financial products and convenient services to a membership base that is now comprised of over 600,000 individuals. With each new generation we have the pleasure of interacting with, we maintain the credit union promise of people helping people.
Our Mission:
To help hard-working New Yorkers build better tomorrows
Our Vision:
Be New York's most loved financial institution by helping our members build their best financial futures
 
About the job:
Tellers provide exceptional service to members by handling routine tasks, such as processing payments, accepting deposits, and handling withdrawals. Tellers respond to member requests and inquiries, make recommendations about products and services, as well as maintain and balance cash supplies.
What you’ll be responsible for:
<ul>
<li>Adhere to MCU’s policy and procedure. </li>
<li>Perform due diligence to mitigate risk and minimize loss. </li>
<li>Verify member’s identity and identification prior to conducting any service on accounts within established guidelines. </li>
<li>Prepare journal entries as necessary. </li>
<li>Verify large negotiable items as required. </li>
<li>Achieve assigned goals and referrals. </li>
<li>Open, close, and secure teller terminal and CDM daily. </li>
<li>Accurately balance teller terminal host totals and cash drawer. </li>
<li>Assist with back-up work and distribution of daily work. </li>
<li>Accurately calculate and verify all incoming and outgoing cash. </li>
<li>Comply with BSA and SAR requirements. </li>
<li>Performs other related duties assigned by management. </li>
<li>Travel and work at other branch locations as required. </li>
<li>Work overtime as required. </li>
</ul>
What you’ll bring:
<ul>
<li>High school diploma or the equivalent required. </li>
<li>Minimum two years of prior banking or customer service/sales experience. </li>
<li>Proficiency in Microsoft Office Suite</li>
<li>Excellent written and verbal communication skills </li>
<li>Highly ethical</li>
<li>General Math skills</li>
<li>Strong organizational skills</li>
<li>Detail-oriented</li>
<li>Ability to function in a fast-paced and changing environment</li>
<li>Excellent communication skills with ability to be concise, clear and consistent</li>
<li>2 years of experience working on a fast pace environment</li>
<li>2 years of experience delivering high customer satisfaction</li>
<li>Open and desire to learn</li>
<li>Able to work on a team environment.</li>
<li>Passion for helping people</li>
</ul>
 
Why you’ll be a good fit:
Our Core Values are an integral part of who we are and who we hire. By living our Core Values, every day, we continue to attract the best and brightest talent, achieve unsurpassed results and continuously challenge ourselves to be better than yesterday. These values are at the heart of our organization and within every teammate. To be a great fit, you’ll bring the following
Results - We are passionate about winning.
Agility - We proactively anticipate, respond and pivot to ensure MCU wins.
Integrity - We operate with the highest ethical standards and highest degree of honesty.
Belonging - We cultivate a culture of inclusion and teamwork.
Ownership - We take personal responsibility and hold ourselves accountable for the results.
 
What we can offer you:
Competitive compensation, medical and dental benefits.
401K with employer contribution
Flexible paid time off
We are committed to hiring, training, cultivating, promoting, and celebrating an environment where we have a welcoming and fulfilling place for all people to call home. Diversity of race, thought, sexual orientation, age, veteran status, religion, and disability will empower us to thrive as individuals, as teams, and as an organization. 
Municipal Credit Union (MCU) is an Equal Opportunity Employer. 
Municipal Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

<h3>Job Description</h3>
Job Description
We are Union Bank of Mena where our people and community come first! The Bank invests in their neighborhoods, schools, civic organizations, and businesses because we all work together to meet the challenges of tomorrow and realize the dreams of today.
ARE YOU READY TO MAKE A DIFFERENCE? 
The Teller is responsible for delivering consistently exceptional customer service by displaying sincere, outgoing friendliness by smiling, acknowledging every customer, introducing themselves, making eye contact, and thanking the customer are all examples. Under the supervision and guidance of the assigned manager, the Teller accepts and processes transactions from the bank's customers by personal contact, mail, and night deposit. The incumbent identifies customer needs and refers them to product experts. The position gains knowledge of other areas in the bank and by cross-training to provide an expected level of exceptional customer service.
We are seeking a candidate that is friendly, organized, and can execute the projects and work of the team. Applicants should have strong verbal and interpersonal skills in order to cross-sell bank products and services. If you have a passion to succeed, come grow with Union Bank of Mena!
WHY JOIN OUR TEAM?
<ul>
<li>Team-centric work environment</li>
<li>Great insurance benefits</li>
<li>401k Retirement Plan with dollar-for-dollar company match up to 7.5%</li>
<li>Generous paid time off</li>
<li>Advancement opportunities</li>
</ul>
POSITION REQUIREMENTS 
<ul>
<li>High school diploma or general education degree (GED) is required.</li>
<li>Sales experience, cash handling, customer service, bank, or other financial service provider experience is preferred.</li>
<li>Previous banking or teller experience and cash handling experience is a plus.</li>
<li>A valid driver's license and ability to be covered under the Company's automobile insurance is required.</li>
</ul>
POSITION KNOWLEDGE, SKILLS, AND ABILITIES
<ul>
<li>Knowledge of principles and processes for providing customer and personal services. </li>
<li>Knowledge of arithmetic, algebra, geometry, and applications.</li>
<li>Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.</li>
<li>The ability to talk to others to convey information effectively.</li>
<li>The ability to use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.</li>
<li>The ability to pay close attention to details.</li>
<li>Good organizational and analytical skills.</li>
<li>Good interpersonal communication and computer skills.</li>
<li>The ability to operate a telephone, scanner, copier, and fax machines.</li>
<li>The ability to lift to twenty-five (25) pounds.</li>
<li>The ability to utilize technology to solve problems.</li>
<li>The ability to understand how to deliver mobile strategies to customers.</li>
<li>The ability to work with different groups of people to get things done.</li>
<li>The ability to communicate and develop meaningful relationships with others.</li>
</ul>

<h3>Job Description</h3>
Job Description
Join Our Team as a Teller at IHMVCU!
 
IHMVCU is dedicated to supporting our members' financial well-being by fostering engagement, creating alignment with their goals and promoting continual growth. We are seeking a member-focused Teller with a passion for building lasting relationships and enhancing member satisfaction to join our team. We value strong interpersonal skills and welcome candidates of all professional backgrounds. If you excel at connecting with people and providing superior service, your experience will be a great match, even if you're new to the financial services industry. 
 
As a Teller, you will play a crucial role in creating a welcoming experience for members while providing accurate financial transactions and personalized solutions to member needs. This position is based at our Rock Island, IL, location, however regional travel to assist other branch locations may occasionally be required.
 
Education and Experience:
<ul>
<li>High School Diploma or equivalent, additional education in finance, business or related field is a plus.</li>
<li>Relative experience in customer support, problem solving and providing quality service is preferred.</li>
<li>High level of integrity and commitment to exceptional member service with genuine desire to help others.</li>
<li>Ability to build rapport quickly, actively listen and develop strong member relationships.</li>
<li>Strong attention to detail skills and commitment to accuracy.</li>
<li>Team-oriented with the flexibility to adapt and support various member needs in a fast-paced environment.</li>
</ul>
 
What are some of the day-to-day responsibilities of a Teller?
 
<ul>
<li>Actively listen to members' needs to identify, assess and educate on solutions that may include products and services such as deposit accounts, loans and credit cards. </li>
<li>Process a variety of transactions, including deposits, withdrawals, transfers, loan payments, and check cashing accurately and efficiently.</li>
<li>Responds to member inquiries regarding the operation of accounts, access to services, resolving account discrepancies, balancing, and reconciling, adding or reducing service features on various accounts, and assisting members to make the most effective usage of service offerings.</li>
<li>Follow all cash, dual control and daily work documentation procedures, to include balancing all work and cash drawer daily. </li>
<li>The pay range for this position is $15.00-$16.00/hour. Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications and internal pay equity.</li>
</ul>
 
Being a team member of IHMVCU is more than just a job, we want to make differences in the communities we live in and serve. IHMVCU provides a healthy balance of benefits including resources and support: 
 
<ul>
<li>Outstanding training; We are committed to learning new skills and growing personally &amp; professionally</li>
<li>Competitive compensation</li>
<li>401(k) with company match and profit sharing</li>
<li>Paid time off with paid holidays</li>
<li>Life Insurance</li>
<li>Paid Community Volunteering</li>
<li>Education reimbursement</li>
<li>Fitness reimbursement</li>
<li>Health insurance including dental and vision</li>
<li>Flexible Spending Accounts &amp; Health Savings Accounts</li>
<li>Employee Assistance Program (EAP)</li>
<li>Access to fitness center</li>
</ul>
 
We look forward to welcoming a new team member who shares our dedication to service and community. Move Up your career at IHMVCU with this great opportunity!
 
Physical Requirements 
<ul>
<li>Standing: Remaining upright on the feet, particularly for sustained periods of time.</li>
<li>Walking: Moving about on foot to accomplish tasks, particularly for long distances or moving from one work site to another.</li>
<li>Talking: Expressing or exchanging ideas by means of the spoken word; those activities where detailed or important spoken instructions must be conveyed to other workers accurately, loudly, or quickly.</li>
<li>Hearing: Perceiving the nature of sounds at normal speaking levels with or without correction and having the ability to receive detailed information through oral communication and making fine discriminations in sound.</li>
<li>Finger, handle, touch: Picking, pinching, typing or otherwise working, primarily with fingers rather than with whole hand or arm as in handling. Applying pressure to an object with the fingers and palm. </li>
<li>Lifting Demands: Up to 50 lbs.</li>
<li>Visual Demands: Visual acuity to do things such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation of machines (including inspection); using measurement devices; and/or assembly or fabrication of parts at distances close to the eyes.</li>
</ul>

<h3>Job Description</h3>
Job Description
 
BASIC PURPOSE: Provide high quality customer service by accurately and efficiently completing bank transactions as well as identifying products to meet financial needs of bank customers. Other duties may be assigned.
PRINCIPLE ACCOUNTABILITIES
Provide high quality customer service within the branch, including:
o Cash checks according to bank policies and procedures
o Accept deposits for checking and savings accounts; verify cash and checks received; determine proper short and long-term holds to be placed on deposited funds, in accordance with Regulation CC.
o Accept payments for various types of loans.
o Accept stop payments, revocations, stop ranges, alerts, address changes, check orders, deposit slip orders, telephone transfers, items for collections.
o Close checking and savings accounts.
o Process night deposits; mail receipts and records.
o Resolve customer’s problems with scope of authority.
o Sell cashier’s checks.
o Order Debit/ATM cards; notify “Hot Card” department and complete unauthorized usage report.
2. Contribute to overall banking center operations
o Balance cash and daily transactions and ATM.
o Understand and ensure compliance for regulations and reporting, including but not limited to: BSA, OFAC, CIP, etc...
o Verify check orders.
o Prepare change order.
o Assist with opening and closing banking center.
Support a sales environment and actively seek opportunities to cross-sell bank products, make customer referrals in support of the retail scorecard goal.
 Adhere to the policies and procedures in Teller Manual.
 Attend and/or complete applicable and required training sessions.
EDUCATION, EXPERIENCE, SKILLS: 
Education- High school diploma or equivalent (GED)
Experience- Three (3) months of cash handling, sales or related experience.
 
BankFirst is an EO employer- Veteran/Disability

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