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Director of Actuarial Services at Olympus Insurance Company
Jacksonville, Florida, United States - Full Time
Skills Needed
Pricing, Reserving, Predictive Modeling, Catastrophe Analysis, Advanced Analytics, Sql, Excel, Python, R, Power Bi, Tableau, Leadership, Strategic Problem Solving, Communication, Risk Segmentation, Regulatory Rate Filings
Specialization
Requires a Bachelor's degree in a quantitative field and an ACAS designation, with FCAS strongly preferred. Candidates need 6-8+ years of P&C insurance experience and proficiency in SQL, Excel, and programming languages like Python or R.
Experience Required
Minimum 5 year(s)
Accounting Services Associate I at Conduent
, karnataka, India - Full Time
Skills Needed
Accounting Process Review, Invoice Verification, Data Organizing, Coordination, Analytical Skills, Document Review, Payment Processing, Quality Compliance
Specialization
Requires basic operational or analytical skills and a fundamental understanding of accounting theories and practices. Vocational training, certifications, or equivalent experience are required for this entry-level role.
Anatomical Services Specialist at University of Melbourne
Melbourne, Victoria, Australia - Full Time
Skills Needed
Anatomical Sciences, Mortuary Practice, Cadaveric Specimen Preparation, Laboratory Management, Leadership, Compliance, Human Tissue Legislation, Staff Supervision, Surgical Skills Training, Resource Coordination
Specialization
Requires a tertiary qualification in anatomy or biological sciences and at least five years of experience in anatomical services or mortuary practice. Must have proven leadership skills and the ability to work with cadaveric material.
Experience Required
Minimum 5 year(s)
Guest Services Representative I at Parks Hospitality Group Inc
Cary, North Carolina, United States - Full Time
Skills Needed
Customer Service, Hospitality Management, Communication Skills, Conflict Resolution, Reservation Management, Administrative Support, Computer Literacy, Hotel Management Software
Specialization
A high school diploma is required, and previous experience in hospitality or customer service is preferred. Candidates must be flexible to work weekends, evenings, and holidays.
Accounting Services Associate I at Conduent
, kerala, India - Full Time
Skills Needed
Accounting Process Review, Invoice Verification, Data Organizing, Coordination, Analytical Skills, Document Review, Payment Processing
Specialization
Requires basic operational or analytical skills and a fundamental understanding of accounting theories and practices. Vocational training, certifications, or equivalent experience are required for this entry-level role.
International Services Advisor at Trine University
Allen Park, Michigan, United States - Full Time
Skills Needed
International Student Services, Advising, Student Support
Specialization
The posting does not list specific requirements, only instructions on how to apply through the online system.
Experience Required
Minimum 2 year(s)
Dining Services Duty Supervisor at Qatar Airways
Doha, , Qatar - Full Time
Skills Needed
Inventory Management, Staff Training, Customer Service, Haccp Standards, F&B Operations, Leadership, Pos Knowledge, Scheduling, Food Safety, Conflict Resolution, Budgeting, Quality Assurance
Specialization
Requires a university degree or a high school diploma with at least 3 years of relevant experience. Candidates must have a background in high-volume F&B catering and strong leadership skills.
Experience Required
Minimum 2 year(s)
Microservices (Java Developer) at KALSOFT
Mumbai, maharashtra, India - Full Time
Skills Needed
Java, Microservices, Kubernetes, Service Mesh, Istio, Linkerd, Apache Camel, Ci/Cd, Docker, Rest, Graphql, Spring Boot, Spring Cloud, Kafka, Rabbitmq, Terraform
Specialization
Requires a Bachelor's or Master's degree in Computer Science or Engineering with over 5 years of experience in Java-based microservices. Proficiency in Kubernetes, Docker, and cloud platforms like Azure, AWS, or GCP is essential.
Experience Required
Minimum 5 year(s)
Radiological Services Attendant at NYU Langone Health
New York, New York, United States - Full Time
Skills Needed
Patient Preparation, Customer Service, Body Mechanics, Patient Transfer, Radiology Information Systems, Hospital Information Systems, Infection Control, Patient Escorting, Equipment Maintenance, Clinical Communication
Specialization
Requires at least one year of healthcare-related experience with direct patient contact and customer service. Must possess knowledge of proper body mechanics for lifting patients.
Patient Services Representative at Cornerstone Family Healthcare
New City, New York, United States - Full Time
Skills Needed
Customer Service, Patient Registration, Appointment Scheduling, Insurance Verification, Data Entry, Phone Etiquette, Payment Collection, Confidentiality, Medical Office Administration, Patient Communication
Specialization
Candidates must have a high school diploma or equivalency and at least one year of clerical experience. Proficiency in data entry and a professional telephone manner are required.
Lead Guest Services Team Member at Pilot Company
Big Springs, Nebraska, United States - Full Time
Skills Needed
Cash Handling, Team Leadership, Customer Service, Conflict Resolution, Retail Operations, Inventory Stocking, Suggested Selling, Reporting, Compliance, Time Management
Specialization
Requires previous experience in restaurant or retail operations and proficiency with computers and calculators. Candidates must be able to work a flexible schedule including nights, weekends, and holidays.
Experience Required
Minimum 2 year(s)
Intern, HR Services, South Asia at Courtyard by Marriott Somerset KY
Mumbai, maharashtra, India - Full Time
Skills Needed
Recruitment, Employee Relations, Internal Communications, Training And Development, Microsoft Excel, Microsoft Powerpoint, Interpersonal Skills, English Communication, Organization, Attention To Detail
Specialization
Must be a current college or university student prepared to commit to a six-month internship. A degree in Human Resources is preferred, along with proficiency in Microsoft Office.
Fund Services. Fund Accountant at The Citco Group Limited
Makati, Metro Manila, Philippines - Full Time
Skills Needed
Fund Accounting, Financial Services, Private Equity, Hedge Fund Industry, Ms Excel, Client Service, Interpersonal Skills, Organization, Detail Oriented
Specialization
Candidates must have a bachelor's degree in accounting, finance, or management, with professional designations like CPA, CFA, or CMA being an advantage. Proficiency in MS Excel and a proactive, team-oriented approach are required.
Client Services Specialist (AU) at Rabobank
Perth, Western Australia, Australia - Full Time
Skills Needed
Customer Service, Verbal Communication, Written Communication, Problem Solving, Attention To Detail, Teamwork, First Call Resolution, Client Relationship Management
Specialization
Candidates should possess excellent communication skills, a positive attitude, and a strong focus on customer experience. Previous banking or call center experience is not essential as training is provided.
Group Leader: Business Services at OPEN LOOK BUSINESS SOLUTIONS
Cebu City, Central Visayas, Philippines - Full Time
Skills Needed
Leadership, Operations Management, Client Onboarding, Workflow Optimization, Project Management, Performance Tracking, Kpi Reporting, Sla Management, Stakeholder Communication, Bpo Management, Virtual Team Management, Hr Collaboration, Sales Collaboration, Accountability Management, Service Delivery, Compliance
Specialization
Requires a Bachelor's degree in Business or Management and at least 5 years of leadership experience. Preference is given to candidates with a background in BPO or outsourcing industries.
Experience Required
Minimum 5 year(s)
Dental Services Representative at Dental Associates Ltd
Glendale, Wisconsin, United States - Full Time
Skills Needed
Patient Rapport, Patient Pre Registration, Payment Collection, Customer Service, Multitasking, Instrument Sterilization, Interpersonal Skills, Dental Supply Management, Account Updating, Team Collaboration
Specialization
A high school diploma is required, with a preference for at least 2 years of experience in the dental or healthcare field. Candidates must possess strong communication, interpersonal, and multitasking skills to thrive in a fast-paced environment.
Experience Required
Minimum 2 year(s)
Financial Services Consultant 1 at Sunward Federal Credit Union
Albuquerque, New Mexico, United States - Full Time
Skills Needed
Interpersonal Communication, Organizational Skills, Attention To Detail, Microsoft Office, Consultative Selling, Financial Analysis, Customer Service, Cash Handling, Regulatory Compliance, Relationship Management, Cross Selling, Time Management
Specialization
Requires a minimum high school diploma and at least one year of customer service experience, preferably in financial services or retail. Candidates must be proficient in Microsoft Office and capable of lifting up to 20 pounds.
Financial Services Consultant 1 at Sunward Federal Credit Union
Los Lunas, New Mexico, United States - Full Time
Skills Needed
Consultative Sales, Customer Service, Consumer Loan Origination, Account Maintenance, Cash Handling, Member Outreach, Digital Banking Education, Bsa/Aml Compliance, Relationship Management, Problem Solving, Interpersonal Communication, Microsoft Office
Specialization
Requires a high school diploma or GED and prior customer service experience, preferably in a financial or retail environment. Candidates should be comfortable with entry-level sales goals and proactive member outreach.
Global Head of Managed Services at ITRS
London, England, United Kingdom - Full Time
Skills Needed
Managed Services, Technical Account Management, Customer Success, Stakeholder Management, Observability, Ai Tooling, Service Level Agreement Frameworks, B2b Saas, Financial Services Domain Knowledge, Team Leadership, Operational Model Design, Technical Architecture, Client Onboarding, Strategic Planning, Commercial Expansion, Performance Metrics
Specialization
Requires 10+ years of experience in managed services or customer success within B2B SaaS, specifically with financial services clients. Must possess a strong technical background in observability and proficiency in applying AI tools to service delivery.
Experience Required
Minimum 10 year(s)
Mobile Water Services Engineer at Robertson Group
Stockport, England, United Kingdom - Full Time
Skills Needed
Water Services Maintenance, Legionella Compliance, Temperature Testing, Water Sample Collection, Showerhead Disinfection, Tank Disinfection, Tank Relining, Tmv Maintenance, Plumbing, Legionella Risk Assessment, Hsc Acop L8, Hsg274, Htm 04 01, Risk Management, Coshh, Confined Spaces
Specialization
Requires experience in hot and cold water systems, Legionella L8 awareness, and basic plumbing skills. Candidates must hold a full driving license and be willing to travel and work independently across multiple sites.
Experience Required
Minimum 2 year(s)
Director of Actuarial Services at Olympus Insurance Company
Jacksonville, Florida, United States -
Full Time

Start Date

Immediate

Expiry Date

16 Oct, 26

Salary

0.0

Posted On

18 Jul, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Pricing, Reserving, Predictive Modeling, Catastrophe Analysis, Advanced Analytics, SQL, Excel, Python, R, Power BI, Tableau, Leadership, Strategic Problem-solving, Communication, Risk Segmentation, Regulatory Rate Filings

Industry

Insurance

Description
Job Title: Director of Actuarial Services Reports to: VP of Actuarial Services/Product Direct Reports: Actuarial Staff Location: Jacksonville Office   Who We Are Olympus Insurance Company is the premier insurance partner, providing the broadest coverage and superior service for Florida homeowners since 2007. We believe that insurance is a promise, and we honor our commitment to help homeowners navigate life's inevitable storms. Becoming an Olympian means joining a collaborative, people-first culture built on growth, accountability, and connection.  Think Ahead.  Think Olympus.   What Olympus Offers We extend our signature White Glove Service to our employees through a comprehensive total rewards package, including: * Employer-sponsored medical, dental, and vision plans * Company-paid life insurance, short-term disability, and long-term disability * 401(k) with company match * Paid Time Off to include annual PTO, Holidays, Floating Holidays, and Volunteer Time Off * Education Assistance Program and ongoing professional development opportunities * Wellness Lunch N Learns * Employee perks such as pet insurance, discount programs, and a welcoming office environment At Olympus, we empower you to grow, contribute, and thrive both professionally and personally.    What You’ll Do The Director of Actuarial Services is a NEW role we are adding to our growing company and Actuarial department.  This individual will lead the day-to-day operations, technical execution, and strategic direction of the actuarial function at Olympus Insurance. This role serves as a key leader within the organization, overseeing actuarial staff, guiding complex analytical initiatives, and partnering with executive leadership to drive business strategy and operational excellence.   You’ll lead projects involving pricing, reserving, predictive modeling, catastrophe analysis, and advanced analytics while helping shape the future of the actuarial department and supporting long-term organizational growth.   Key Responsibilities * Lead, mentor, and develop actuarial staff while fostering a collaborative and high-performing team culture * Oversee departmental workflow, project prioritization, and deliverable timelines * Review and approve actuarial analyses, models, assumptions, methodologies, and reporting prepared by team members * Lead actuarial initiatives related to pricing, reserving, predictive modeling, and advanced analytics * Develop and enhance actuarial tools, operational processes, and reporting capabilities * Support executive leadership with profitability studies, forecasting, catastrophe exposure analysis, and reinsurance initiatives * Conduct and oversee competitor analysis, underwriting research, and risk segmentation studies * Support regulatory rate filings and collaborate with vendors, consultants, and regulators as needed * Present actuarial findings and strategic recommendations to executive leadership and non-technical stakeholders * Ensure compliance with actuarial standards, regulatory requirements, and internal controls * Champion innovation through advanced analytics, machine learning, and AI-assisted actuarial solutions * Assist with departmental budgeting, strategic planning, and resource allocation * Support business operations during catastrophic events as needed   What You'll Bring * Bachelor’s degree in Actuarial Science, Mathematics, Statistics, Finance, Economics, or a related field * ACAS designation required; FCAS strongly preferred * 6–8+ years of actuarial experience within Property & Casualty insurance * Prior leadership or management experience overseeing actuarial or analytical teams preferred * Advanced expertise in pricing, reserving, predictive modeling, and actuarial analytics * Advanced SQL and strong proficiency with Excel and Microsoft Office products * Experience with Python, R, or similar programming languages * Experience with Power BI, Tableau, or other data visualization tools * Strong leadership, mentoring, and strategic problem-solving skills * Excellent communication skills with the ability to translate technical concepts into business insights * Strong understanding of Florida residential insurance and regulatory processes preferred * Experience with catastrophe modeling platforms such as Verisk/AIR, RMS, or KCC preferred * Familiarity with GIS platforms, machine learning, and AI-assisted analytics is a plus EEO Compliance Olympus Insurance Company is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace. We prohibit discrimination and harassment of any kind based on race, color, religion, national origin, sex (including pregnancy, childbirth, and related medical conditions), age, disability, genetic information, marital status, sexual orientation, gender identity or expression, veteran or military status, or any other protected characteristic under federal, state, or local law.   Agency Disclaimer: This job posting is not intended to solicit resumes from staffing agencies. Any unsolicited resumes sent to this posting, to employees, or to the Company without a valid written and signed agreement from Human Resources will be considered the property of the Company, and no fees will be paid.   This position will remain open until September 20th, 2026, or until a sufficient pool of qualified candidates has been identified.  
Responsibilities
Lead the day-to-day operations and strategic direction of the actuarial function, overseeing staff and complex analytical initiatives. Partner with executive leadership to drive business strategy through pricing, reserving, and catastrophe analysis.
Director of Actuarial Services at Olympus Insurance Company
Jacksonville, Florida, United States - Full Time
Skills Needed
Pricing, Reserving, Predictive Modeling, Catastrophe Analysis, Advanced Analytics, Sql, Excel, Python, R, Power Bi, Tableau, Leadership, Strategic Problem Solving, Communication, Risk Segmentation, Regulatory Rate Filings
Specialization
Requires a Bachelor's degree in a quantitative field and an ACAS designation, with FCAS strongly preferred. Candidates need 6-8+ years of P&C insurance experience and proficiency in SQL, Excel, and programming languages like Python or R.
Experience Required
Minimum 5 year(s)
Accounting Services Associate I at Conduent
, karnataka, India - Full Time
Skills Needed
Accounting Process Review, Invoice Verification, Data Organizing, Coordination, Analytical Skills, Document Review, Payment Processing, Quality Compliance
Specialization
Requires basic operational or analytical skills and a fundamental understanding of accounting theories and practices. Vocational training, certifications, or equivalent experience are required for this entry-level role.
Anatomical Services Specialist at University of Melbourne
Melbourne, Victoria, Australia - Full Time
Skills Needed
Anatomical Sciences, Mortuary Practice, Cadaveric Specimen Preparation, Laboratory Management, Leadership, Compliance, Human Tissue Legislation, Staff Supervision, Surgical Skills Training, Resource Coordination
Specialization
Requires a tertiary qualification in anatomy or biological sciences and at least five years of experience in anatomical services or mortuary practice. Must have proven leadership skills and the ability to work with cadaveric material.
Experience Required
Minimum 5 year(s)
Guest Services Representative I at Parks Hospitality Group Inc
Cary, North Carolina, United States - Full Time
Skills Needed
Customer Service, Hospitality Management, Communication Skills, Conflict Resolution, Reservation Management, Administrative Support, Computer Literacy, Hotel Management Software
Specialization
A high school diploma is required, and previous experience in hospitality or customer service is preferred. Candidates must be flexible to work weekends, evenings, and holidays.
Accounting Services Associate I at Conduent
, kerala, India - Full Time
Skills Needed
Accounting Process Review, Invoice Verification, Data Organizing, Coordination, Analytical Skills, Document Review, Payment Processing
Specialization
Requires basic operational or analytical skills and a fundamental understanding of accounting theories and practices. Vocational training, certifications, or equivalent experience are required for this entry-level role.
International Services Advisor at Trine University
Allen Park, Michigan, United States - Full Time
Skills Needed
International Student Services, Advising, Student Support
Specialization
The posting does not list specific requirements, only instructions on how to apply through the online system.
Experience Required
Minimum 2 year(s)
Dining Services Duty Supervisor at Qatar Airways
Doha, , Qatar - Full Time
Skills Needed
Inventory Management, Staff Training, Customer Service, Haccp Standards, F&B Operations, Leadership, Pos Knowledge, Scheduling, Food Safety, Conflict Resolution, Budgeting, Quality Assurance
Specialization
Requires a university degree or a high school diploma with at least 3 years of relevant experience. Candidates must have a background in high-volume F&B catering and strong leadership skills.
Experience Required
Minimum 2 year(s)
Microservices (Java Developer) at KALSOFT
Mumbai, maharashtra, India - Full Time
Skills Needed
Java, Microservices, Kubernetes, Service Mesh, Istio, Linkerd, Apache Camel, Ci/Cd, Docker, Rest, Graphql, Spring Boot, Spring Cloud, Kafka, Rabbitmq, Terraform
Specialization
Requires a Bachelor's or Master's degree in Computer Science or Engineering with over 5 years of experience in Java-based microservices. Proficiency in Kubernetes, Docker, and cloud platforms like Azure, AWS, or GCP is essential.
Experience Required
Minimum 5 year(s)
Radiological Services Attendant at NYU Langone Health
New York, New York, United States - Full Time
Skills Needed
Patient Preparation, Customer Service, Body Mechanics, Patient Transfer, Radiology Information Systems, Hospital Information Systems, Infection Control, Patient Escorting, Equipment Maintenance, Clinical Communication
Specialization
Requires at least one year of healthcare-related experience with direct patient contact and customer service. Must possess knowledge of proper body mechanics for lifting patients.
Patient Services Representative at Cornerstone Family Healthcare
New City, New York, United States - Full Time
Skills Needed
Customer Service, Patient Registration, Appointment Scheduling, Insurance Verification, Data Entry, Phone Etiquette, Payment Collection, Confidentiality, Medical Office Administration, Patient Communication
Specialization
Candidates must have a high school diploma or equivalency and at least one year of clerical experience. Proficiency in data entry and a professional telephone manner are required.
Lead Guest Services Team Member at Pilot Company
Big Springs, Nebraska, United States - Full Time
Skills Needed
Cash Handling, Team Leadership, Customer Service, Conflict Resolution, Retail Operations, Inventory Stocking, Suggested Selling, Reporting, Compliance, Time Management
Specialization
Requires previous experience in restaurant or retail operations and proficiency with computers and calculators. Candidates must be able to work a flexible schedule including nights, weekends, and holidays.
Experience Required
Minimum 2 year(s)
Intern, HR Services, South Asia at Courtyard by Marriott Somerset KY
Mumbai, maharashtra, India - Full Time
Skills Needed
Recruitment, Employee Relations, Internal Communications, Training And Development, Microsoft Excel, Microsoft Powerpoint, Interpersonal Skills, English Communication, Organization, Attention To Detail
Specialization
Must be a current college or university student prepared to commit to a six-month internship. A degree in Human Resources is preferred, along with proficiency in Microsoft Office.
Fund Services. Fund Accountant at The Citco Group Limited
Makati, Metro Manila, Philippines - Full Time
Skills Needed
Fund Accounting, Financial Services, Private Equity, Hedge Fund Industry, Ms Excel, Client Service, Interpersonal Skills, Organization, Detail Oriented
Specialization
Candidates must have a bachelor's degree in accounting, finance, or management, with professional designations like CPA, CFA, or CMA being an advantage. Proficiency in MS Excel and a proactive, team-oriented approach are required.
Client Services Specialist (AU) at Rabobank
Perth, Western Australia, Australia - Full Time
Skills Needed
Customer Service, Verbal Communication, Written Communication, Problem Solving, Attention To Detail, Teamwork, First Call Resolution, Client Relationship Management
Specialization
Candidates should possess excellent communication skills, a positive attitude, and a strong focus on customer experience. Previous banking or call center experience is not essential as training is provided.
Group Leader: Business Services at OPEN LOOK BUSINESS SOLUTIONS
Cebu City, Central Visayas, Philippines - Full Time
Skills Needed
Leadership, Operations Management, Client Onboarding, Workflow Optimization, Project Management, Performance Tracking, Kpi Reporting, Sla Management, Stakeholder Communication, Bpo Management, Virtual Team Management, Hr Collaboration, Sales Collaboration, Accountability Management, Service Delivery, Compliance
Specialization
Requires a Bachelor's degree in Business or Management and at least 5 years of leadership experience. Preference is given to candidates with a background in BPO or outsourcing industries.
Experience Required
Minimum 5 year(s)
Dental Services Representative at Dental Associates Ltd
Glendale, Wisconsin, United States - Full Time
Skills Needed
Patient Rapport, Patient Pre Registration, Payment Collection, Customer Service, Multitasking, Instrument Sterilization, Interpersonal Skills, Dental Supply Management, Account Updating, Team Collaboration
Specialization
A high school diploma is required, with a preference for at least 2 years of experience in the dental or healthcare field. Candidates must possess strong communication, interpersonal, and multitasking skills to thrive in a fast-paced environment.
Experience Required
Minimum 2 year(s)
Financial Services Consultant 1 at Sunward Federal Credit Union
Albuquerque, New Mexico, United States - Full Time
Skills Needed
Interpersonal Communication, Organizational Skills, Attention To Detail, Microsoft Office, Consultative Selling, Financial Analysis, Customer Service, Cash Handling, Regulatory Compliance, Relationship Management, Cross Selling, Time Management
Specialization
Requires a minimum high school diploma and at least one year of customer service experience, preferably in financial services or retail. Candidates must be proficient in Microsoft Office and capable of lifting up to 20 pounds.
Financial Services Consultant 1 at Sunward Federal Credit Union
Los Lunas, New Mexico, United States - Full Time
Skills Needed
Consultative Sales, Customer Service, Consumer Loan Origination, Account Maintenance, Cash Handling, Member Outreach, Digital Banking Education, Bsa/Aml Compliance, Relationship Management, Problem Solving, Interpersonal Communication, Microsoft Office
Specialization
Requires a high school diploma or GED and prior customer service experience, preferably in a financial or retail environment. Candidates should be comfortable with entry-level sales goals and proactive member outreach.
Global Head of Managed Services at ITRS
London, England, United Kingdom - Full Time
Skills Needed
Managed Services, Technical Account Management, Customer Success, Stakeholder Management, Observability, Ai Tooling, Service Level Agreement Frameworks, B2b Saas, Financial Services Domain Knowledge, Team Leadership, Operational Model Design, Technical Architecture, Client Onboarding, Strategic Planning, Commercial Expansion, Performance Metrics
Specialization
Requires 10+ years of experience in managed services or customer success within B2B SaaS, specifically with financial services clients. Must possess a strong technical background in observability and proficiency in applying AI tools to service delivery.
Experience Required
Minimum 10 year(s)
Mobile Water Services Engineer at Robertson Group
Stockport, England, United Kingdom - Full Time
Skills Needed
Water Services Maintenance, Legionella Compliance, Temperature Testing, Water Sample Collection, Showerhead Disinfection, Tank Disinfection, Tank Relining, Tmv Maintenance, Plumbing, Legionella Risk Assessment, Hsc Acop L8, Hsg274, Htm 04 01, Risk Management, Coshh, Confined Spaces
Specialization
Requires experience in hot and cold water systems, Legionella L8 awareness, and basic plumbing skills. Candidates must hold a full driving license and be willing to travel and work independently across multiple sites.
Experience Required
Minimum 2 year(s)