customer care associate

NTT DATA North America

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  Req ID:
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 352976
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 NTT DATA strives to hire exceptional, innovative and passionate individuals who want to grow with us. If you want to be part of an inclusive, adaptable, and forward-thinking organization, apply now.
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 We are currently seeking a Customer Care Associate to join our team.
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 Customer Care Associate, providing customer care to Life Insurance policyholders, agents and other customers.
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 **Must Live in Continental United States**
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 This position is eligible for company benefits including medical, dental, and vision insurance with an employer contribution, flexible spending or health savings account, life and AD&amp;D insurance, short- and long-term disability coverage, paid time off, employee assistance, participation in a 401k program with company match, and additional voluntary or legally required benefits.
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 Pay for this role is $20.00hr
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 The required schedule availability for this position is Monday-Friday 7:00 am to 7:00 pm (Central Time), Saturday (Central Time) Shift times may be changed as per client requirements. Additionally, Overtime may be required based on business requirements.
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 <strong>
  Basic Qualifications:
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   1 year experience (WAH) remote customer service (Call Center environment)
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   1 year experience with call center KPI understanding
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   1 year experience working in an office setting, multitasking online with multiple Microsoft Windows PC applications
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   Minimum High school diploma or GED.
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  Responsibilities:
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   Previous life insurance industry experience that required knowledge of life insurance and annuity policies where you handled calls from policy holders inquiring about payments, policy information, or claims to support callers with various questions on different life insurance products.
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   Providing front-line phone customer care support to policyholders, beneficiaries, agents, and internal customers.
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   Ensuring customer satisfaction (CSAT) and strive to meet service metrics.
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   Developing and maintaining a solid working knowledge of the insurance industry and of all products, services and processes performed by the team.
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   A typical day will likely involve fielding between 75 to 100 calls.
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   Communicating effectively and professionally with both internal and external customers to resolve questions and issues.
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   Collaborating with management or other team members as appropriate to proactively address service issues and concerns.
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   Attention to detail, accuracy, and accountability for your work product.
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   Provide timely and accurate support to customers, agents, and financial professionals regarding Life &amp; Annuity products and policies.
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   Process transactions such as policy updates, beneficiary changes, premium adjustments, withdrawals, and other service requests.
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   Review and verify incoming documents for completeness and compliance with company and regulatory requirements.
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   Conduct information searches, fact-finding, and data gathering to resolve inquiries efficiently.
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   Research and resolve routine and recurring issues while escalating complex cases when necessary.
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   Maintain detailed records, track customer interactions, and ensure accurate data entry across systems.
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   Collaborate with internal teams to address service gaps and improve customer experience.
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   Ensure adherence to service-level agreements (SLAs) and quality benchmarks.
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   Strong ability to analyze, process, and validate transactions based on established rules and guidelines.
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   Demonstrated capability to integrate domain knowledge and act as a skilled specialist.
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   Solid understanding of Life &amp; Annuities Variable, policy structures, and industry terminology.
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   Experience in a BPO, insurance operations, or customer service environment.
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   Excellent communication skills&mdash;both written and verbal.
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   Strong attention to detail with the ability to identify data inconsistencies.
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   Ability to troubleshoot and resolve routine operational issues.
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   Proficiency with customer service systems, workflow tools, and data entry platforms.
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 New hire must have a working device (such as cell phone or tablet) for the 2-Factor Authentication process
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   All new hires will be required to successfully complete our Call Center training classes and demonstrate proficiency of the material.
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 Must Pass Drug screen
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 Must Pass a background check with Education check and employment verification check.
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 This job posting is for active vacancies. Applications are pre-screened using artificial intelligence technology and reviewed by NTT DATA recruiters.
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  Remote Working And Technology Requirements
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 To work remote, individuals must meet all the established Remote requirements including those pertaining to a home workspace and related technology.
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  Technology
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   NTT DATA will provide a computer and headset for remote work.
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   Employees are responsible for the care and security of all equipment provided. They must return it immediately upon separation from the company following company protocols.
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   Failure to return equipment may result in collection actions and/or other consequences.
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   Individuals must provide their own high speed internet access with speeds at or above 50 Mbps.
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   A hard-wired ethernet connection is required. Wi-Fi, mobile, wireless and public internet connections are forbidden as are connections outside of one&rsquo;s personal dwelling or location.
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  Technical Performance and Issue Tracking
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   Management monitors all technical issues and agent downtime. Consistent availability is critical to business operations.
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   Remote employees must adhere to all technical support procedures and protocols.
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   Chronic connectivity issues or recurring downtime that impede job performance, including internet outages, may result in the remote status changing to onsite.
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 </ul>
 <strong>
  Remote Workspace
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 </strong>
 Remote work demands a high degree of professionalism, self-discipline, and accountability. The following workspace standards are vital to delivering exceptional service.
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   Employees must have a dedicated, professional workspace conducive to servicing Customer Service customers with the same quality as an onsite environment.
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   The workspace must be a permanent, unencumbered location used daily for work.
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   Employees must work with minimal distractions that do not interfere with business operations or service delivery.
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   Ideally, the workspace is isolated from other household members and used exclusively for job duties.
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   Background noise, interruptions from people or pets, and other distractions must be kept to an absolute minimum to avoid disruptions to customer service.
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   Employees must work from the same location consistently unless prior approval is obtained.
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   If a change in work location is necessary:
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   The new location must meet all Remote Workspace and Technology Requirements.
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   Notification to NTT DATA Management is required before relocating
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 </ul>
 #INDBPO
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 <strong>
  About NTT DATA
  <br/>
  <br/>
 </strong>
 NTT DATA is a $30 billion business and technology services leader, serving 75% of the Fortune Global 100. We are committed to accelerating client success and positively impacting society through responsible innovation. We are one of the world's leading AI and digital infrastructure providers, with unmatched capabilities in enterprise-scale AI, cloud, security, connectivity, data centers and application services. our consulting and Industry solutions help organizations and society move confidently and sustainably into the digital future. As a Global Top Employer, we have experts in more than 50 countries. We also offer clients access to a robust ecosystem of innovation centers as well as established and start-up partners. NTT DATA is a part of NTT Group, which invests over $3 billion each year in R&amp;D.
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 <br/>
 Whenever possible, we hire locally to NTT DATA offices or client sites. This ensures we can provide timely and effective support tailored to each client&rsquo;s needs. While many positions offer remote or hybrid work options, these arrangements are subject to change based on client requirements. For employees near an NTT DATA office or client site, in-office attendance may be required for meetings or events, depending on business needs. At NTT DATA, we are committed to staying flexible and meeting the evolving needs of both our clients and employees. NTT DATA recruiters will never ask for payment or banking information and will only use @nttdata.com and @talent.nttdataservices.com email addresses. If you are requested to provide payment or disclose banking information, please submit a contact us form, https://us.nttdata.com/en/contact-us.
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 <strong>
  <em>
   NTT DATA endeavors to make https://us.nttdata.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact us at https://us.nttdata.com/en/contact-us.
  </em>
 </strong>
 <strong>
  <em>
   This contact information is for accommodation requests only and cannot be used to inquire about the status of applications. NTT DATA is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. For our EEO Policy Statement, please click here. If you'd like more information on your EEO rights under the law, please click here. For Pay Transparency information, please click here.
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  </em>
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</div>


Customer Care Associate

HireNow Staffing

<div><p><b>Customer Relationship Associate (CRA)</b></p><h5 class="jobSectionHeader"><b>
Company: HireNow Staffing (Direct Placement Partner)</b></h5><h5 class="jobSectionHeader"><b>
HireNow Staffing is actively recruiting a seasoned, highly skilled Customer Relationship Associate (CRA) to join one of our valued client partners. This opportunity is designed for transportation brokerage professionals who possess a strong blend of business development expertise, customer relationship management, and freight execution knowledge.</b></h5><h5 class="jobSectionHeader"><b>
The ideal candidate will be a relationship-driven professional capable of expanding customer partnerships, supporting transportation solutions, and contributing to the continued growth of a dynamic logistics organization.</b></h5><h5 class="jobSectionHeader"><b>
HireNow Snapshot</b></h5><h5 class="jobSectionHeader"><b>
The Customer Relationship Associate (CRA) will support customer growth initiatives while delivering transportation solutions across multiple freight modes. This role combines account development, transportation sales, and operational collaboration to ensure customers receive exceptional service and long-term value.</b></h5><h5 class="jobSectionHeader"><b>
Business Development &amp; Customer Management</b></h5><ul><li>
Generate new freight opportunities and cultivate long-term customer relationships.</li><li>
Manage and expand an active portfolio of transportation accounts.</li><li>
Develop growth strategies to increase business with existing customers.</li><li>
Identify opportunities for account penetration and revenue growth.</li><li>
Maintain high levels of responsiveness and customer satisfaction.</li><li>
Monitor transportation markets and identify emerging opportunities.</li></ul><h5 class="jobSectionHeader"><b>
Transportation Solutions &amp; Freight Execution</b></h5><ul><li>
Support Dry Van, Reefer, FTL, Intermodal, Drayage, Specialized Equipment, Over-Dimensional, and Multi-Modal transportation services.</li><li>
Develop pricing strategies that balance competitiveness and profitability.</li><li>
Collaborate with Carrier Development and Operations teams to support execution.</li><li>
Maintain strong carrier relationships and service standards.</li><li>
Resolve service interruptions, claims, and transportation challenges.</li><li>
Ensure customer expectations are consistently met.</li></ul><h5 class="jobSectionHeader"><b>
Systems &amp; Performance</b></h5><ul><li>
Utilize Transportation Management Systems (TMS) to maintain accurate records.</li><li>
Monitor account activity and performance metrics.</li><li>
Maintain documentation and customer information within company systems.</li><li>
Support process improvements and operational efficiencies.</li><li>
Collaborate with internal teams to maximize service quality.</li></ul><h5 class="jobSectionHeader"><b>
HireNow Package</b></h5><h5 class="jobSectionHeader"><b>
Location</b></h5><h5 class="jobSectionHeader"><b>
Onsite &ndash; Grapevine, Texas</b></h5><h5 class="jobSectionHeader"><b>
U.S.-Based Citizens Only</b></h5><h5 class="jobSectionHeader"><b>
Compensation</b></h5><ul><li>
Base Salary: <b>$60,000 &ndash; $125,000</b></li><li>
Competitive Incentive Opportunities</li></ul><h5 class="jobSectionHeader"><b>
Benefits</b></h5><ul><li>
Comprehensive Benefits Package</li><li>
Long-Term Career Growth</li><li>
Professional Development Opportunities</li><li>
Collaborative Team Environment</li><li>
Exposure to Multiple Transportation Modes</li><li>
Expanding Transportation Brokerage Platform</li></ul><h5 class="jobSectionHeader"><b>
HireNow Checklist</b></h5><h5 class="jobSectionHeader"><b>
HireNow Staffing is recruiting transportation brokerage professionals who possess strong business development capabilities, account management expertise, and experience supporting complex freight operations.</b></h5><h5 class="jobSectionHeader"><b>
Required Qualifications</b></h5><ul><li>
Minimum five years of experience within a non-asset freight brokerage environment.</li><li>
Proven business development, transportation sales, or account management experience.</li><li>
Strong understanding of freight pricing and transportation execution.</li><li>
Experience supporting FTL, Dry Van, Reefer, Specialized Freight, Intermodal, and Over-Dimensional shipments.</li><li>
Strong negotiation, communication, and relationship management skills.</li><li>
Experience utilizing Transportation Management Systems (TMS).</li><li>
Proficiency with Microsoft Office applications.</li><li>
Stable employment history.</li><li>
U.S. citizen authorized to work in the United States.</li></ul><h5 class="jobSectionHeader"><b>
Preferred Qualifications</b></h5><ul><li>
Transportation brokerage professionals with operational experience.</li><li>
Experience supporting carrier development initiatives.</li><li>
Asset-based transportation experience.</li><li>
Exposure to multi-modal transportation services.</li><li>
Strong customer retention and account growth capabilities.</li><li>
Experience balancing profitability with service excellence.</li><li>
Professionals seeking long-term growth within an expanding brokerage organization.</li></ul><h5 class="jobSectionHeader"><b>
HireNow Standout Candidates</b></h5><h5 class="jobSectionHeader"><b>
Priority consideration will be given to candidates who demonstrate:</b></h5><ul><li>
Extensive non-asset brokerage experience.</li><li>
Strong transportation sales and account development success.</li><li>
Experience supporting Dry Van, Reefer, Specialized, and Over-Dimensional freight.</li><li>
Proven ability to grow customer portfolios.</li><li>
Strong negotiation and relationship-building skills.</li><li>
Operational understanding of freight execution.</li><li>
Stable career progression and a track record of long-term success.</li><li>
Strong communication and customer service capabilities.</li></ul><h5 class="jobSectionHeader"><b>
HireNow Disqualifiers</b></h5><ul><li>
Jumpy or inconsistent employment history.</li><li>
Less than five years of freight brokerage experience.</li><li>
Limited exposure to transportation sales or account management.</li><li>
Lack of knowledge regarding freight pricing and execution.</li><li>
Poor communication or relationship management skills.</li><li>
Limited experience with Transportation Management Systems.</li><li>
Candidates requiring visa sponsorship.</li></ul><h5 class="jobSectionHeader"><b>
HireNow Staffing Disclaimer</b></h5><h5 class="jobSectionHeader"><b>
HireNow Staffing is acting as a direct placement partner for this Customer Relationship Associate (CRA) opportunity. All candidate information is handled confidentially and evaluated against defined requirements.</b></h5><h5 class="jobSectionHeader"><b>
This HireNow Snapshot outlines the general scope of responsibilities and qualifications. Duties may evolve based on client needs and business growth. Only candidates meeting the core qualifications will be considered for interview.</b></h5><h5 class="jobSectionHeader"><b>
https://www.careers-page.com/hirenow-staffing-inc/job/V64YRXRR</b></h5></div>

Customer Relationship Associate

Pro-Vigil

<div><div><p><b>Customer Success Associate</b></p><p></p><p><b><br>
Company Overview:</b><b> </b>Pro-Vigil, Inc. is the largest and fastest-growing provider of remote surveillance services with a nationwide client base. No other monitoring and live surveillance company deters crime in as little as 18 seconds. That&rsquo;s faster than the speed of crime. We prevent crime in 97% of all instances, and we view over 1 million events per day, making us the most reliable live monitoring and surveillance company. It&rsquo;s not just our surveillance that&rsquo;s fast, our US based customer support team is available 24/7 to assist our customers.</p><p><b>
Job Overview:</b> The Customer Success Associate will be responsible for handling questions, comments and complaints regarding Pro-Vigil products and services. Will assist customers, via telephone, email, or tickets, with the ultimate goal of providing a positive customer experience and to enhance the relationship between Pro-Vigil and our customers.</p><p><b>
Work Schedule:</b> M-F 8a-5p and or 9a-6p</p><p><b>
Pay Rate:</b><b> </b>$15.00 per hour</p><p><b>
Main Responsibilities:</b></p><ul><li><div>
Create and maintain customer relationships by listening and understanding the customers&rsquo; needs and providing resolutions through first call resolution, troubleshooting, or escalating customer issues</div></li><li><div>
Assist customers via inbound calls, emails, and tickets</div></li><li><div>
Perform follow-up outbound calls when first call resolution was not attained</div></li><li><div>
Ensure customer satisfaction by responding to customer inquiries and concerns in a courteous and timely manner.</div></li><li><div>
Develop deep knowledge of Pro-Vigil systems and technology</div></li><li><div>
Responsibilities may include Knowledge Center and Standard Operating Procedures documentation</div></li><li><div>
Document all customer interactions and other information as required</div></li><li><div>
Other duties as assigned.</div></li></ul><p></p><div><b><br>
Job Requirements/Preferences:</b></div><ul><li><div>
HS Diploma/GED required</div></li><li><div>
1 year of customer service/support experience preferred</div></li><li><div>
Previous call center, customer service or support or banking or retail experience preferred</div></li><li><div>
Basic computer skills</div></li><li><div>
Great communication and interpersonal skills</div></li><li><div>
Great customer service skills such as de-escalating customers and proper email response etiquette preferred</div></li><li><div>
Ability to multitask and be detailed oriented</div></li><li><div>
Exhibits the ability to prioritize tasks and complete them</div></li><li><div>
Stable work history</div></li><li><p>
Ability to successfully pass background check and drug screen is required</p></li></ul><p></p><p><b><br>
Pro-Vigil, Inc. is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. </b><b>All applicants will be considered solely on the basis of their qualifications.</b></p></div></div><p></p>

CUSTOMER SUCCESS ASSOCIATE

BTC Connect

<p><strong>Job Title:</strong> Call Centre Associate<br /><strong>Company:</strong> BTC Connect<br /><strong>Location:</strong> El Centro, California, United States<br /><strong>Employment Type:</strong> Full-Time<br /><strong>Salary:</strong> $21 - $35 USD per hour<br /><br /><strong>Job Overview</strong><br />BTC Connect is seeking a dedicated and professional Call Centre Associate to join our dynamic customer support team. As the first point of contact for our customers, you will play a crucial role in delivering an exceptional service experience. The ideal candidate is an excellent communicator with a passion for problem-solving and a commitment to customer satisfaction. This is a fantastic opportunity to develop your career within a supportive and forward-thinking organisation.<br /><br /><strong>Responsibilities</strong><br /> </p><ul><li>Manage a high volume of inbound and outbound customer calls in a timely and professional manner.</li><li>Identify and assess customers' needs to achieve satisfaction, providing accurate, valid, and complete information.</li><li>Handle customer complaints, provide appropriate solutions and alternatives within the time limits, and follow up to ensure resolution.</li><li>Maintain detailed records of customer interactions, transactions, comments, and complaints.</li><li>Follow communication procedures, guidelines, and policies to ensure a consistent and high-quality service.</li><li>Collaborate with team members and other departments to resolve complex issues and improve the overall customer experience.</li><li>Meet personal and team targets for quality, efficiency, and customer satisfaction.</li></ul><p><strong>Qualifications</strong><br /> </p><ul><li>Proven experience in a customer service or call centre environment is essential.</li><li>Exceptional verbal and written communication skills with a professional telephone manner.</li><li>Strong active listening, problem-solving, and conflict-resolution abilities.</li><li>Proficiency in using computers and navigating different software systems.</li><li>Ability to multitask, prioritise, and manage time effectively in a fast-paced setting.</li><li>A patient and empathetic attitude towards customers.</li><li>A high school diploma or equivalent is required.</li></ul><p><br /><strong>Benefits</strong><br /> </p><ul><li>A competitive hourly wage and a comprehensive benefits package.</li><li>A thorough and supportive training programme to ensure your success.</li><li>Clear opportunities for career progression and professional development within the company.</li><li>A positive, collaborative, and engaging team environment.</li></ul><p> </p>

Call Center Associate

Triumph Financial

<div><p><b>Join TBK Bank!</b></p><p></p><p>
At TBK Bank, a subsidiary of Triumph, we're a team of passionate, driven, collaborative, solutions-minded people who want to make a difference in the lives of our customers and communities. Our mission is to do well and to do good at the same time. We accomplish this by working together, because at the end of the day, TBK means striving for excellence, while delivering with humility. We thrive on providing exceptional customer service, and we look for friendly professionals dedicated to helping customers achieve their financial goals.</p><p></p><p><b>
Triumph Financial, Inc. (NASDAQ: TFIN),</b> is a financial holding company headquartered in Dallas, Texas, offering a diversified line of banking, payments, and factoring services.</p><p></p><h1 class="jobSectionHeader"><b>
Summary</b></h1><p>
Are you a customer-focused professional with a passion for facilitating accurate financial transactions and building strong relationships? As a Client Services Associate, you'll be at the forefront of our commitment to exceptional customer service. You'll not only provide prompt and accurate financial transactions but also contribute to the development and retention of customer relationships. By profiling new and existing customers, offering insightful advice on bank products and services, and ensuring each customer interaction exceeds expectations, you'll play a key role in fostering customer loyalty and identifying valuable cross-selling opportunities. If you're eager to take initiative, contribute to our retail branch goals, and make a meaningful impact, we invite you to become a part of our team.</p><p></p><h1 class="jobSectionHeader"><b>
Job Description</b></h1><p>
The Client Services Associate is responsible for providing prompt and accurate financial transactions in accordance with the Bank&rsquo;s policies and procedures. Contributes to the development and retention of customer relationships by providing exceptional customer service and identifying appropriate cross sell opportunities with professionalism and enthusiasm.</p><p></p><h1 class="jobSectionHeader"><b>
Team Culture</b></h1><p>
At Triumph Financial, we are a values-driven financial service company focused on creating value by helping our team members thrive, our customers succeed and our communities prosper. When we do this, we&rsquo;re &ldquo;Helping People Triumph.&rdquo;</p><p>
Treating people fairly, handling conflict with grace, and speaking the truth with humility are actions born of our convictions. Correct, consistent daily action shapes our culture, and we work at this diligently.</p><p></p><h1 class="jobSectionHeader"><b>
How You'll Spend Your Time</b></h1><ul><li><p>
Profile new and existing customers, suggesting tailored products/services.</p></li><li><p>
Provide exceptional customer service, exceeding expectations.</p></li><li><p>
Open new accounts, ensuring accuracy and timely documentation.</p></li><li><p>
Assist with Stop Payments, Debit Card Orders, and more.</p></li><li><p>
Take initiative to resolve customer issues and provide prompt feedback.</p></li><li><p>
Help maintain customer goodwill and contribute to branch goals.</p></li><li><p>
Professionally refer customers to various bank departments.</p></li><li><p>
Safeguard customer info, adhere to regulations, and maintain security.</p></li><li><p>
Process transactions while maintaining accurate records.</p></li><li><p>
Contribute to local community and bank-sponsored events.</p></li></ul><p></p><h1 class="jobSectionHeader"><b>
Education &amp; Experience Requirements</b></h1><p>
The ideal candidate should have a high school diploma or GED, be at least 18 years old, and preferably possess six to twelve months of bank teller experience. Additional desired qualities include customer service, sales, or cross-selling experience.</p><p></p><p><b>
Apply now</b> and seize the chance to provide exceptional service, build relationships, and grow in a supportive banking environment!</p><p></p><p><i>
Triumph Financial, Inc. and its subsidiaries, provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, genetic information, marital status, or status as a covered veteran in accordance with applicable federal, state and local laws.</i></p><p></p><p><b>
Compensation Range</b></p><p></p>
Hourly: $16.54 - $22.67<p></p><p><b>
We offer Medical, Dental, Vision, Paid Time Off, 401k and much more.</b></p><p></p><h2 class="jobSectionHeader"><b>
Go on. Do it. Apply Today!</b></h2></div>

Client Service Associate

HRPSP - Your Strategic HR Partner

<p>Job description:</p><p><b>We&rsquo;re Hiring &ndash; Customer Premises Associate</b></p><p><b>Industry:</b> Telecommunications / Broadband Services<br/><b>Salary:</b> PKR 40,000 (Basic) + Performance-Based Commission</p><p>Are you a <b>technically skilled field professional</b> with a passion for customer service? Join our growing telecom operations team and work on last-mile connectivity solutions at customer locations.</p><p><b>Key Responsibilities:</b></p><ul><li>Installation, configuration, and activation of broadband/internet equipment at customer premises</li><li>On-site troubleshooting of connectivity and network-related issues</li><li>Ensure service quality and timely resolution of customer complaints</li><li>Educate customers on proper usage and basic maintenance of installed services</li><li>Maintain accurate service reports and daily field activity records</li><li>Coordinate with technical support teams for escalations when required</li></ul><p><b>Eligibility Criteria:</b></p><ul><li>DAE / Technical Diploma in <b>Electrical, Electronics, Telecom, or Networking</b></li><li>Basic understanding of <b>fiber, broadband, routers, modems, and LAN/WAN concepts</b></li><li>Strong communication and customer-handling skills</li><li>Willingness to perform <b>field visits</b></li><li>Fresh candidates with technical education are encouraged to apply</li></ul><p><b>What We Offer:</b></p><ul><li><b>Basic Salary:</b> PKR 40,000</li><li><b>Attractive Commission Structure</b> based on performance</li><li>Hands-on technical training</li><li>Stable career growth in the telecom industry</li><li>Supportive and professional work environment</li></ul><p>Pay: From Rs40,000.00 per month</p><p>Work Location: In person</p>

Customer Premises Associate (CPA)

Search 10000+ Customer care associate jobs near you this July. New roles added regularly across leading industries. Apply today.

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Customer Care Associate

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Customer Premises Associate (CPA)

Customer Premises Associate (CPA)