Home › Companies › Eofe Fa Us2 Oraclecloud Com CX 1001 › Senior Vice President, Counsel - BNY Issuer Services (Credit Services, Global Payments and Trade and Credit Services)
Senior Vice President, Counsel - BNY Issuer Services (Credit Services, Global Payments and Trade and Credit Services)
Eofe Fa Us2 Oraclecloud Com CX 1001 · Pittsburgh, PA, United States; 500 Ross Street,Pittsburgh,PA, Pittsburgh, PA, US; 240 Greenwich Street,New York,NY, New York, NY, US · Active · Oracle Recruiting Cloud / Fusion HCM
Job facts
| Field | Value |
|---|---|
| Company | Eofe Fa Us2 Oraclecloud Com CX 1001 |
| Title | Senior Vice President, Counsel - BNY Issuer Services (Credit Services, Global Payments and Trade and Credit Services) |
| Normalized title | - |
| Department / team | Legal Counsel |
| Location | Pittsburgh, PA, United States |
| Work model | - |
| Employment type | Full Time |
| Salary | - |
| Status | active |
| ATS provider | Oracle Recruiting Cloud / Fusion HCM |
| Posted / first seen | 2026-04-29 / 2026-05-31 |
| Changed / last seen | 2026-05-31 / 2026-06-06 |
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| Page | What it contains | Open |
|---|---|---|
| Company jobs | Active postings from Eofe Fa Us2 Oraclecloud Com CX 1001. | Open |
| Company breakdowns | Role, location, ATS, and work model facets for this company. | Open |
| ATS provider jobs | Active postings observed through Oracle Recruiting Cloud / Fusion HCM. | Open |
| Provider filtered search | The same provider as a filtered job collection. | Open |
| City jobs | Active postings in Pittsburgh. | Open |
| Department jobs | Active postings in Legal Counsel. | Open |
| Lifecycle events | Open, update, close, and reopen events for this posting. | Open |
| Original posting | Canonical source or apply URL captured from the ATS. | Open |
Linked records
| Company | Eofe Fa Us2 Oraclecloud Com CX 1001 |
| Source | 2ab30404-9fac-46ac-a11b-a1c843cac1c5 |
| ATS provider | Oracle Recruiting Cloud / Fusion HCM |
Description
Description
Senior Vice President, Counsel - BNY Issuer Services (Credit Services, Global Payments and Trade and Credit Services)
At BNY, our culture allows us to run our company better and enables employees’ growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world’s investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide.
Recognized as a top destination for innovators, BNY is where bold ideas meet advanced technology and exceptional talent. Together, we power the future of finance – and this is what #LifeAtBNY is all about. Join us and be part of something extraordinary.
We’re seeking a future team member for the role of Counsel to join our Issuer Services Legal team supporting the (i) Credit Services, (ii) Global Payments and Trade and (iii) Corporate Trust lines of business. This role is located in Pittsburgh, PA or New York, NY.
In this role, you’ll make an impact in the following ways:
Advise on all aspects of (i) commercial lending, (ii) global payments and trade and (iii) corporate trust transactions, products, programs, platforms, processes and related matters Structure, document, negotiate and close commercial lending transactions Negotiate and draft transactional agreements for BNY Mellon’s Global Payments and Trade business – including those related to supply chain finance, receivables finance, risk distribution, white label outsourcing, global banking terms for payments and liquidity services, and a broad range of traditional trade-finance products such as letters of credit, trade loans and the discounting of instruments and documents Negotiate and draft transactional agreements for the corporate trust business– including a broad range of structured finance, corporate debt, government, custody, escrow, insurance trust and public not-for-profit related agreements Manage escalations from various business stakeholders internally and outside counsel on transactional and documentation issues Assist on special, regional and global projects as required for the (i) Credit Services, (ii) Global Payments and Trade and (iii) Corporate Trust businesses At times, interact with senior management and relevant business stakeholders Partner with control functions serving in an advisory or oversight capacity, such as Risk, Audit and Compliance Manage outside counsel and advise on business, regulatory and legal developments Collaborate with other Issuer Services Legal Team members, as needed Negotiate servicing outsourcing contracts To be successful in this role, we’re seeking the following:
Juris Doctor from an accredited law school and a member of the Pennsylvania or New York Bar. 3-7 years’ minimum of total work experience as a qualified attorney, including representing major financial institutions in lending transactions. Commercial real estate, fund finance or supply chain finance a plus Cross-border transactional experience a plus Ability to handle a diverse and demanding workload Excellent negotiation, analytical, problem-solving, drafting and communications skills Ability to function independently, but also as part of effective teams
At BNY, our culture speaks for itself, check out the latest BNY news at:
BNY Newsroom
BNY LinkedIn
Here’s a few of our recent awards:
America’s Most Innovative Companies, Fortune, 2025 World’s Most Admired Companies, Fortune 2025 “Most Just Companies”, Just Capital and CNBC, 2025
Our Benefits and Rewards:
BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life’s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter.
BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans.
Organization
At BNY, our culture speaks for itself, check out the latest BNY news at BNY Newsroom & BNY LinkedIn
Here’s a few of our recent awards:
America’s Most Innovative Companies, Fortune, 2025
World’s Most Admired Companies, Fortune 2025
“Most Just Companies”, Just Capital and CNBC, 2025
Our Benefits and Rewards:
BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life’s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter.
BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans.
BNY assesses market data to ensure a competitive compensation package for our employees. The expected base salary for this position when employment commences can be found in the Job Info section at the bottom of the posting.
Base salary offered may vary depending on multiple individualized factors, including market location, job-related knowledge, skills, and experience. Base salary is only part of the total rewards package, which may include eligibility for an annual discretionary incentive award. Subject to the terms and conditions of the applicable plans then in effect, eligible employees may enroll in a 401(k) plan as well as participate in Company-sponsored medical, dental, vision, and basic life insurance plans for the employee and the employee’s eligible dependents. Eligible employees also may receive other benefits (including various paid time off benefits, such as vacation and sick time), dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment.
If hired, the employee will be in an “at will” position and the Company reserves the right to modify base salary (as well as any other discretionary payments or compensation programs) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.
Full job record
| Job ID | 8facea90f991e5823a8f8086d6924fd106bf5d71 |
| Org ID | 355f81e9-24d0-454a-b065-730624e2adc2 |
| Source ID | 2ab30404-9fac-46ac-a11b-a1c843cac1c5 |
| Board ID | 2ab30404-9fac-46ac-a11b-a1c843cac1c5 |
| Provider | oracle_hcm |
| Provider Job Key | 76743 |
| Title | Senior Vice President, Counsel - BNY Issuer Services (Credit Services, Global Payments and Trade and Credit Services) |
| Normalized Title | — |
| Status | active |
| Active | yes |
| Location Text | Pittsburgh, PA, United States; 500 Ross Street,Pittsburgh,PA, Pittsburgh, PA, US; 240 Greenwich Street,New York,NY, New York, NY, US |
| Department | Legal Counsel |
| Team | — |
| Employment Type | full_time |
| Workplace Type | — |
| Remote Policy | — |
| Country | United States |
| Region | PA |
| City | Pittsburgh |
| Salary Raw | Description Senior Vice President, Counsel - BNY Issuer Services (Credit Services, Global Payments and Trade and Credit Services) At BNY, our culture allows us to run our company better and enables employees’ growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world’s investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide. Recognized as a top destination for innovators, BNY is where bold ideas meet advanced technology and exceptional talent. Together, we power the future of finance – and this is what #LifeAtBNY is all about. Join us and be part of something extraordinary. We’re seeking a future team member for the role of Counsel to join our Issuer Services Legal team supporting the (i) Credit Services, (ii) Global Payments and Trade and (iii) Corporate Trust lines of business. This role is located in Pittsburgh, PA or New York, NY. In this role, you’ll make an impact in the following ways: Advise on all aspects of (i) commercial lending, (ii) global payments and trade and (iii) corporate trust transactions, products, programs, platforms, processes and related matters Structure, document, negotiate and close commercial lending transactions Negotiate and draft transactional agreements for BNY Mellon’s Global Payments and Trade business – including those related to supply chain finance, receivables finance, risk distribution, white label outsourcing, global banking terms for payments and liquidity services, and a broad range of traditional trade-finance products such as letters of credit, trade loans and the discounting of instruments and documents Negotiate and draft transactional agreements for the corporate trust business– including a broad range of structured finance, corporate debt, government, custody, escrow, insurance trust and public not-for-profit related agreements Manage escalations from various business stakeholders internally and outside counsel on transactional and documentation issues Assist on special, regional and global projects as required for the (i) Credit Services, (ii) Global Payments and Trade and (iii) Corporate Trust businesses At times, interact with senior management and relevant business stakeholders Partner with control functions serving in an advisory or oversight capacity, such as Risk, Audit and Compliance Manage outside counsel and advise on business, regulatory and legal developments Collaborate with other Issuer Services Legal Team members, as needed Negotiate servicing outsourcing contracts To be successful in this role, we’re seeking the following: Juris Doctor from an accredited law school and a member of the Pennsylvania or New York Bar. 3-7 years’ minimum of total work experience as a qualified attorney, including representing major financial institutions in lending transactions. Commercial real estate, fund finance or supply chain finance a plus Cross-border transactional experience a plus Ability to handle a diverse and demanding workload Excellent negotiation, analytical, problem-solving, drafting and communications skills Ability to function independently, but also as part of effective teams At BNY, our culture speaks for itself, check out the latest BNY news at: BNY Newsroom BNY LinkedIn Here’s a few of our recent awards: America’s Most Innovative Companies, Fortune, 2025 World’s Most Admired Companies, Fortune 2025 “Most Just Companies”, Just Capital and CNBC, 2025 Our Benefits and Rewards: BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life’s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter. BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans. Organization At BNY, our culture speaks for itself, check out the latest BNY news at BNY Newsroom & BNY LinkedIn Here’s a few of our recent awards: America’s Most Innovative Companies, Fortune, 2025 World’s Most Admired Companies, Fortune 2025 “Most Just Companies”, Just Capital and CNBC, 2025 Our Benefits and Rewards: BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life’s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter. BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans. BNY assesses market data to ensure a competitive compensation package for our employees. The expected base salary for this position when employment commences can be found in the Job Info section at the bottom of the posting. Base salary offered may vary depending on multiple individualized factors, including market location, job-related knowledge, skills, and experience. Base salary is only part of the total rewards package, which may include eligibility for an annual discretionary incentive award. Subject to the terms and conditions of the applicable plans then in effect, eligible employees may enroll in a 401(k) plan as well as participate in Company-sponsored medical, dental, vision, and basic life insurance plans for the employee and the employee’s eligible dependents. Eligible employees also may receive other benefits (including various paid time off benefits, such as vacation and sick time), dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment. If hired, the employee will be in an “at will” position and the Company reserves the right to modify base salary (as well as any other discretionary payments or compensation programs) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors. |
| Salary Min | — |
| Salary Max | — |
| Salary Currency | — |
| Salary Period | day |
| Source URL | https://eofe.fa.us2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1001/job/76743 |
| Apply URL | https://eofe.fa.us2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX_1001/job/76743 |
| First Seen At | 2026-05-31 17:58:43Z |
| Last Seen At | 2026-06-06 19:42:45Z |
| Last Checked At | 2026-06-06 19:42:45Z |
| Last Changed At | 2026-05-31 17:58:43Z |
| Inactive At | — |
| Source Posted At | 2026-04-29 14:00:22Z |
| Source Updated At | — |
| Raw Payload Uri | s3://job-postings-prod-raw-590183727216/raw/provider=oracle_hcm/board=eofe.fa.us2.oraclecloud.com|CX_1001/date=2026-06-06/2026-06-06T19-41-13-817Z-1b742d8f0726dbfed2af226cb270c5ebf81713f6cec3fa87d4da07fb11bab5e4.json |
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"ExternalDescriptionStr": "<p><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span>Senior Vice President, Counsel - <strong>BNY Issuer Services (Credit Services, Global Payments and Trade and Credit Services)</strong></span></span></p><p><span>At BNY, our culture allows us to run our company better and enables employees’ growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world’s investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide.</span></p><p><span>Recognized as a top destination for innovators, BNY is where bold ideas meet advanced technology and exceptional talent. Together, we power the future of finance – and this is what #LifeAtBNY is all about. Join us and be part of something extraordinary.</span></p><p><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>We’re seeking a future team member for the role of Counsel to join our Issuer Services Legal team supporting the (i) Credit Services, (ii) Global Payments and Trade and (iii) Corporate Trust lines of business. </strong>This role is located in Pittsburgh, PA or New York, NY. </span></span></p><p><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\">In this role, you’ll make an impact in the following ways:</span></span></p><ul style=\"list-style-type: disc;\"><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Advise on all aspects of (i) commercial lending, (ii) global payments and trade and (iii) corporate trust transactions, products, programs, platforms, processes and related matters</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Structure, document, negotiate and close commercial lending transactions</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Negotiate and draft transactional agreements for BNY Mellon’s Global Payments and Trade business – including those related to supply chain finance, receivables finance, risk distribution, white label outsourcing, global banking terms for payments and liquidity services, and a broad range of traditional trade-finance products such as letters of credit, trade loans and the discounting of instruments and documents</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Negotiate and draft transactional agreements for the corporate trust business– including a broad range of structured finance, corporate debt, government, custody, escrow, insurance trust and public not-for-profit related agreements</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Manage escalations from various business stakeholders internally and outside counsel on transactional and documentation issues</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Assist on special, regional and global projects as required for the (i) Credit Services, (ii) Global Payments and Trade and (iii) Corporate Trust businesses</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>At times, interact with senior management and relevant business stakeholders</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Partner with control functions serving in an advisory or oversight capacity, such as Risk, Audit and Compliance</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Manage outside counsel and advise on business, regulatory and legal developments</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Collaborate with other Issuer Services Legal Team members, as needed</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Negotiate servicing outsourcing contracts</strong></span></span></li></ul><p><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\">To be successful in this role, we’re seeking the following:</span></span></p><ul style=\"list-style-type: disc;\"><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Juris Doctor from an accredited law school and a member of the Pennsylvania or New York Bar.</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>3-7 years’ minimum of total work experience as a qualified attorney, including representing major financial institutions in lending transactions.</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Commercial real estate, fund finance or supply chain finance a plus</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Cross-border transactional experience a plus</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Ability to handle a diverse and demanding workload </strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Excellent negotiation, analytical, problem-solving, drafting and communications skills</strong></span></span></li><li><span style=\"font-family: "Avenir Next LT Pro", sans-serif;\"><span style=\"font-size: 9pt; line-height: 107%;\"><strong>Ability to function independently, but also as part of effective teams</strong></span></span></li></ul><p> </p><p> </p><p><span>At BNY, our culture speaks for itself, check out the latest BNY news at:</span></p><p><a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.bny.com/corporate/global/en/about-us/newsroom.html\"><a target=\"_blank\" rel=\"nofollow\"><span>BNY Newsroom</span></a></a></p><p><a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https://www.linkedin.com/company/bnyglobal/posts/?feedView=all\"><a target=\"_blank\" rel=\"nofollow\"><span>BNY LinkedIn </span></a></a></p><p> </p><p><span> Here’s a few of our recent awards: </span></p><ul><li><span>America’s Most Innovative Companies, Fortune, 2025</span></li><li><span>World’s Most Admired Companies, Fortune 2025</span></li><li><span>“Most Just Companies”, Just Capital and CNBC, 2025</span></li></ul><p><br><span>Our Benefits and Rewards:</span></p><p><span>BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life’s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter. </span></p><p> </p><p><span>BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans.</span></p><p> </p><p> </p><p> </p>",
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"OrganizationDescriptionStr": "<p>At BNY, our culture speaks for itself, check out the latest BNY news at <a href=\"https://www.bny.com/corporate/global/en/about-us/newsroom.html\" target=\"_blank\" rel=\"nofollow\">BNY Newsroom</a> & <a href=\"https://www.linkedin.com/company/bnyglobal/posts/?feedView=all\" target=\"_blank\" rel=\"nofollow\">BNY LinkedIn</a></p>\n<p style=\"margin-bottom:0in\"> Here’s a few of our recent awards:</p>\n<ul style=\"margin-top:0in\">\n <li style=\"margin-bottom:0in\">America’s Most Innovative Companies, Fortune, 2025</li>\n <li style=\"margin-bottom:0in\">World’s Most Admired Companies, Fortune 2025</li>\n <li style=\"margin-bottom:0in\">“Most Just Companies”, Just Capital and CNBC, 2025</li>\n</ul>\n<ul></ul>\n<p>Our Benefits and Rewards:</p>\n<p>BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life’s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter.</p>\n<p>BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans.</p>\n<p>BNY assesses market data to ensure a competitive compensation package for our employees. The expected base salary for this position when employment commences can be found in the Job Info section at the bottom of the posting. </p>\n<p>Base salary offered may vary depending on multiple individualized factors, including market location, job-related knowledge, skills, and experience. Base salary is only part of the total rewards package, which may include eligibility for an annual discretionary incentive award. Subject to the terms and conditions of the applicable plans then in effect, eligible employees may enroll in a 401(k) plan as well as participate in Company-sponsored medical, dental, vision, and basic life insurance plans for the employee and the employee’s eligible dependents. Eligible employees also may receive other benefits (including various paid time off benefits, such as vacation and sick time), dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment.</p>\n<p>If hired, the employee will be in an “at will” position and the Company reserves the right to modify base salary (as well as any other discretionary payments or compensation programs) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.</p>",
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