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12/10/99West Coast LifeSan Francisco, CA
  

Reinsurance Project Analyst

West Coast Life has an opportunity for a Reinsurance Project Analyst, reporting to the Reinsurance Mgr.

Primary Responsibilities
* Review, calculate and cede (bill and collect) all WCL reinsured death claims.
* Work closely with other WCL departments as well as Protective's claims staff.
* Follow up with reinsurers for collection purposes.
* Manage/maintain WCL death claim database on MS Access.
* Monthly, quarterly and annual reporting.

Other Responsibilities
* Create, maintain and test new and existing business plans in Access database.
* Assist in the reinsurance treaty (written contracts) and amendments process.
* Handle assumed reinsurance accounting and claims.
* Process journal entries.
* Reconcile certain general ledger accounts.
* Assist in year end statement reporting.
* Creation and maintenance of Access databases, possibly Lotus Notes databases also.
* Special projects as assigned by the Reinsurance Manager.

Knowledge and Skills Required
* Strong oral and written communication, math.
* Detail oriented, good organization, innovative and independent thinker.
* Ability to handle multiple tasks.
* Willingness and ability to work overtime without being told in order to complete tasks and meet deadlines.
* Working knowledge of Microsoft Word, and strong skills in Excel and Access.
* Knowledge of Lotus Notes also helpful.
* Mainframe experience, TSO, and JCL (job control language) helpful.
* Basic knowledge of life insurance and/or reinsurance concepts or willingness to learn.
* Light programming or macro knowledge helpful.
* College degree preferred.

We are a life insurance company located in the financial district of San Francisco. We offer competitive salary combined with a package of benefits, including medical/dental, group life, long term disability, 401(k), profit sharing and commute subsidies.

If you are interested in this position, please send your resume and salary requirements to:
West Coast Life Insurance
Attn: Human Resources-IF
PO Box 193892
San Francisco, CA 94119

Fax: Kirsha Torres-IF at 415-433-1244
E-mail:
[email protected]

12/10/99West Coast LifeSan Francisco, CA
  

Client Services Associate

West Coast Life has an opportunity for a Client Services Associate reporting to the Manager of Universal Life and Annuities Administration.
Job Description: Answers a wide variety of customer questions by telephone and letter on Universal Life and Annuity contracts. It involves heavy phone work communicating policy information to our policyholders and agents and may occasionally require the handling of irate or demanding callers. In this position the individual will process policy changes, loans, surrenders, additions and/or deletions, and modifications to contracts via on-line transactions. Most of these changes involve manual calculations or coded input and are the most complex or exceptional changes processed in the department. Other responsibilities include summarizing cash flows to give payment, withdrawal and loan histories: calculating premiums needed to support in-force coverage, either manually, or by using LifeComm or a personal computer proposal system; reconciliation of Check-O-Matic and Suspense account balances. The position requires knowledge of the various policy contracts and product specifications, as well as operation of our LifeComm system. Other duties will include preparing paperwork to back-up various transactions and covering for other team members in their absence.

Knowledge and Skills Required:
1. Two years of college or equivalent work experience, particularly in a Customer Service environment.
2. Excellent interpersonal, written and verbal communication skills. You must enjoy working with customers on the phone.
3. Basic typing and some accounting skills are helpful.
4. LOMA 1 and 2 (insurance industry exams) may be taken during the training period.

Job Conditions: This position requires an individual who has strong communication skills and can present a professional image when dealing with our field agents (and demanding people) on the phone. Requires the ability to function under pressure and deal with a continually changing workflow. The individual in this position must be a self-starter who enjoys dealing with people and has the interpersonal skills to function in a team environment. The individual must be articulate, organized, efficient and able to perform the job with a sense of urgency. Furthermore, must be able to make unsupervised decisions. Occasional overtime may be required.

If you are interested in this position, please send your resume and salary requirements to:
West Coast Life Insurance
Attn: Human Resources-IF
PO Box 193892
San Francisco, CA 94119

Fax: Kirsha Torres-IF at 415-433-1244
E-mail:
[email protected]

12/1/99The Lewer Agency, Inc.Phoenix, AZ
  

Sales Representative

Tired of Prospecting? The Lewer Agency, Inc. is sponsored by 30 Fortune 500 Companies to call on their independent marketers. We are looking for proven professional sales representatives to represent us in our sponsored marketplace by working with independent business owners in the areas of: Financial Planning, Insurance Planning and Employee Benefits.

We offer: Incredible Growth Potential, Sales Support, Attractive Compensation and Bonus Program, Quality Products and a Sponsored Marketplace.

Minimum 2 years experience with a life and health license and Series 6 and 63 registration.

To find out how you can become part of our sales team, please call Jay Webber at 800-821-7711 Ext. 105, E-mail your resume to [email protected], or fax your resume to Attn: Jay Webber-IF at (816) 561-6840.

The Lewer Agency, Inc.
4534 Wornall Road
Kansas City, MO 64111-3226

11/24/99Merrill LynchDallas, TX
  

Annuity Marketing Coordinator

Merrill Lynch, one of the world's leading financial services firms, has an excellent opportunity for an individual seeking a career challenge. We are seeking an Annuity Marketing Coordinator who has a proven record of success in a fast-paced, detail-oriented, competitive environment.

The successful candidate will be a well organized, self motivated individual with annuity experience, computer skills, strong communication skills and a strong sense of the importance of teamwork. Licenses in Series 6/63, Life, Health and Variable Insurance are required.

As a premier provider in the world of financial services, Merrill Lynch offers a competitive salary and excellent career opportunities for the right candidate. If this position sounds like just the opportunity you have been seeking, please contact us promptly.

E-mail or mail your resume and letter to:
[email protected]

Merrill Lynch
Area 2I-IF
M. Donovan
800 Scudders Mill Rd.
Plainsboro, NJ 08536

11/19/99The Lewer Agency, Inc.Phoenix/Scottsdale, AZ
  

Sales Representative

Tired of Prospecting? The Lewer Agency, Inc. is sponsored by 30 Fortune 500 Companies to call on their independent marketers. We are looking for proven professional sales representatives to represent us in our sponsored marketplace by working with independent business owners in the areas of: Financial Planning, Insurance Planning and Employee Benefits.

We offer: Incredible Growth Potential, Sales Support, Attractive Compensation and Bonus Program, Quality Products and a Sponsored Marketplace.

Minimum 2 years experience with a life and health license and Series 6 and 63 registration.

To find out how you can become part of our sales team, please call Jay Webber at 800-821-7711 Ext. 105, e-mail your resume to [email protected], or fax your resume to Attn: Jay Webber-IF at (816) 561-6840.

The Lewer Agency, Inc.
4534 Wornall Road
Kansas City, MO 64111-3226

10/20/99Pacific LifeNewport Beach, CA
  

Illustration Design Analyst

Pacific Life Insurance Company, a leader in the financial services industry, is seeking an Illisutration Design Analyst.

Will be responsible for translating business needs and marketing specifications into illustration requirements. Assist in researching, developing and evaluating system solution alternatives. Design and develop user interfaces to support the Field and Marketing areas in the Life Insurance Division.

Minimum qualifications are: Knowledge of Life Insurance products and marketing applications such as Split Dollar and Deferred Compensation. Knowledge of marketing processing requirements and field system processing. Able to communicate technical information in varying degrees of detail. Visual Basic and/or C++ programming required.

Please forward resume to:
Pacific Life Insurance Company
Attn: HR/JP/IF
700 Newport Center Drive
Newport Beach, CA 92660

Fax: (949) 759-5530
Email:
[email protected]

10/15/99Merrill LynchSan Francisco, CA
  

Insurance Administrator

Merrill Lynch, one of the world's most prominent financial services firms, has an excellent opportunity for an experienced insurance administrator to support our Estate Planning and Business Insurance Specialist This position is for the well organized, self-motivated individual who possesses experience in advanced underwriting and estate proposal design for life insurance. You will interact with clients, both in person and over the phone. Computer skills and knowledge of estate planning are desired. Licenses in Series 6/63, Life, Health and Variable Insurance are required.

Merrill Lynch is a world leader in financial services, and we offer a competitive salary and benefits package. If you're that special person that could make a difference, please contact us promptly.
E-mail or mail your resume and letter to:
[email protected]

Merrill Lynch
Area 2I-IF
M. Donovan
800 Scudders Mill Rd.
Plainsboro, NJ 08536

10/7/99Pacific LifeNewport Beach, CA
  

Illustration QA Supervisor

Pacific Life Insurance Company, a leader in the financial services industry, is seeking an Illustration QA Supervisor to be responsible for supervising staff in the Quality Assurance Team (6-10 Quality Assurance Analysts) in Field Systems. Also includes verification of illustration accuracy and the processes used to accomplish this. Entails work on the current DOS illustration system, as well as the future Windows illustration system. Support duties include answering questions from the Home Office and Field personnel regarding illustration accuracy and providing specialized product calculations.

Minimum qualifications are: Knowledge of Life Insurance Division products and marketing concepts. 3-4 years experience in software development and testing, or equivalent. Excellent written and verbal communication skills. Experience using Excel or programming languages. Ability to relate well with others. Supervisory experience strongly desired.

Please forward resume to:
Pacific Life Insurance Company
Attn: HR/JP/IF
700 Newport Center Drive
Newport Beach, CA 92660

Fax: (949) 759-5530
Email:
[email protected]

10/2/99The Lewer Agency, Inc.Los Angeles, CA
  

Sales Representative

Tired of Prospecting? The Lewer Agency, Inc. is sponsored by 30 Fortune 500 Companies to call on their independent marketers. We are looking for proven professional sales representatives to represent us in our sponsored marketplace by working with independent business owners in the areas of: Financial Planning, Insurance Planning and Employee Benefits.

We offer: Incredible Growth Potential, Sales Support, Attractive Compensation and Bonus Program, Quality Products and a Sponsored Marketplace.

Minimum 2 years experience with a life and health license and Series 6 and 63 registration.

To find out how you can become part of our sales team, please call Jay Webber at 800-821-7711 Ext. 105, e-mail your resume to [email protected], or fax your resume to Attn: Jay Webber-IF at (816) 561-6840.

The Lewer Agency, Inc.
4534 Wornall Road
Kansas City, MO 64111-3226

9/24/99The Doctors' CompanyDenver, CO
  

Regional Risk Manager

The Doctors' Company (TDC) is the nation's largest medical malpractice insurer owned and operated by physicians. Our continued growth and financial stability ensure a bright future for TDC. We are located 30 miles northeast of San Francisco in the heart of the Napa Valley wine country. If you are looking for outstanding career opportunities, a beautiful work environment, and impressive compensation and benefit packages, contact TDC.

Duties include, but are not limited to: Responsible for providing loss prevention services to TDC insureds within the designated region, serving as a regional office team member providing risk resources, and working with the team to promote TDC to insureds and potential insureds. Provides risk education for region's insureds, potential insureds, and fellow team members; responds to risk queries from any source; participates in TDC functions, regional team committees, sales and marketing, etc. for the welfare of TDC. Serves as a regional resource for risk related issues; performs risk surveys for insured and potential insured; makes presentations on risk related topics for insureds, potential insureds and non-insured groups as a sales and marketing function; participates in budget preparation and complies with the approved product; coordinates regional travel with other team members; assists with the development of tools of the trade as necessary for tasks related to risk or the regional team; assumes a leadership role in the training and education of regional risk coordinators; assists with or develops articles for the Sourcebook, Doctors' Advocate or Bulletin; attends conferences as needed to stay abreast of the health care arena; participates in regional and national risk associations; maintains current knowledge of new products, changes in health care and procedures in health care; maintains a familiarity with all segments of health care, hospitals, physician offices, clinics, surgi-centers, managed care organizations, etc. Pursues pro-activities in working with field office team to identify low risk entities for loss prevention focus; works with field office team to identify high risk entities for loss prevention concentration; works with field office team to identify poor risk entities for nonrenewal. Functions as a team member/leader.

Position experience includes: Minimum five (5) years' experience in health care or insurance risk management; health care or clinical background is a plus. Must have excellent writing and speaking skills; ability to travel at any time; good decision-making qualities; ability to set priorities; familiarity with and ability to use office equipment, including overhead and slide projectors. College degree in a related field or equivalent experience, masters degree preferred.

Please respond to:
TDC
Attention: Sandy Robinson
FAX (707) 226-8074 or
E-mail:
[email protected].
We are an equal opportunity employer.

9/23/99Standard Insurance Co.Sacramento, CA
  

Sales Associate

Standard Insurance Company, known for its experience, expertise and excellence in Group Life and Disability insurance, is looking for a Sales Associate in the Sacramento Group Office.

We are seeking an analytical individual to assist the sales staff with underwriting and servicing our business in the Sacramento office. This position requires maturity, dependability, teamwork and the ability to multi-task. A strong customer service background is a must and product knowledge of Group life, long term disability and short term disability is preferred.

Join the company rated ``excellent" by A.M. Best and the company Moody's says has ``good financial security." Please contact:

The Standard Insurance Co.
Sacramento Group Office
Attn: Lynda Black
1610 Arden Way, Suite 299
Sacramento, CA 95815

Fax: 916-929-8163
E-mail:
[email protected]

9/20/99Standard Insurance Co.San Francisco, CA
  

Employee Benefits Sales Rep

Standard Insurance Company, known for its experience, expertise and excellence in Group Life and Disability insurance, is looking for sales driven professionals to join various group offices.

Qualified candidates have demonstrated success distributing group insurance products to brokers, agents and consultants. Must have high energy level and competitive edge to cover groups of all sizes from 2 to thousands. Base salary, incentive compensation and exceptional benefits.

Fax or mail resume to:
Standard Insurance Co
Attn: Seniye Groff-IF
P.O. Box 711, C10D
Portland, Oregon 97207-0711

FAX: 503-321-6400
E-mail:
[email protected]

9/17/99Standard Insurance Co.SF Bay Area, CA
  

Field Service Representative

Standard Insurance Company, known for its experience, expertise and excellence in Group Life and Disability insurance, is looking for a Field Service Representative for the Bay Area.

This is not a sales position. You're the post-sales company liaison who facilitates customer satisfaction. You support business growth and client retention by establishing long-term relationships with clients.

Your background must include 2+ years related experience and competency with PC Office 97/related programs. You must have reliable transportation. Join the company rated ``excellent" by A.M. Best and the company Moody's says has ``good financial security."

Send resume to:
Standard Insurance Company
San Francisco Group Office
Attn: Judith Alemania
1600 Riviera, Suite 835
Walnut Creek, CA 94596

Fax: 925-947-0728
E-mail:
[email protected]
No phone calls or walk-ins please.
AA/EOE

9/15/99Pacific LifeNewport Beach, CA
  

Sr. Advanced Marketing Consultant

Pacific Life Insurance Company, a leader in the financial services industry, is seeking a Senior Advanced Marketing Consultant.

Responsibilities: Provide advanced marketing and case design for fixed and variable annuities and single premium variable life products to registered representatives, internal and external wholesalers. Provides expertise in qualified plans, estate planning and charitable giving. Review, edit and/or design contracts, riders, prospectus and forms for variable annuity and mutual fund products. Review vendor contracts. Work with marketing team in decision making process re: marketing strategies. Write and present Continuing Education, client and broker seminars. Runs hypothetical illustrations.

Minimum qualifications are: NASD Series 6 and 63 required. JD, CPA, CFP, CLU/ChFC and Bachelors degree in marketing, business or related field, or 5 to 10 years equivalent experience in variable annuities or mutual funds. Knowledge of qualified plans, estate planning and trusts required. Strong PC capability. Excellent telephone and written communications skills.

Please forward resume to:
Pacific Life Insurance Company
Attn: HR/JP/IF
700 Newport Center Drive
Newport Beach, CA 92660

Fax: (949) 759-5530
Email:
[email protected]

9/9/99ActionSystems Inc.Dallas, TX
  

Insurance Sales Consultant

For twenty years ActionSystems Inc., has provided solutions that increase customer profitability at top financial institutions and companies. We have the only complete CRM Solution that integrates technology, strategy and learning. Today we are acknowledged worldwide as the leader in making CRM work and to help us maintain our leadership in the industry, we are seeking a professional for the following position.

Insurance Sales Consultant - Responsible for all aspects of solution sales cycle in concert with sales team including executive level interface. Will:
* serve as functional and technical support to our sales team throughout the sales cycle
* assist in formulating account strategies
* manage and conduct requirements surveys at client sites
* discuss and articulate solutions to business problems with client executives and staff
* develop and deliver custom presentations to clients
* observe industry trends and recommend best practices.

Requirements: 5-8 yrs experience in a management or lead role with a major insurance carrier. Must offer solid presentation skills, detailed experience with insurance products (as user or consultant/sales).� Insurance software implementation considered a plus. 50% travel required.

Respond to:
ActionSystems, Inc.
Attn. Recruiting
13155 Noel Rd, Suite 1700
Dallas, TX 75240

Email: [email protected]
Fax: 972-503-9136

9/9/99Pacific LifeNewport Beach, CA
  

Compliance Analyst

Pacific Life Insurance Company, a leader in the financial services industry, is seeking a Compliance Analyst to review state regulations and provide leadership and guidance in establishing procedures to implement existing, new or revised state insurance law requirements.

Minimum qualifications are: Regulatory/paralegal expertise in legal/regulatory research and preparation of guidelines and procedures. Ability to plan and coordinate significant projects and activities with minimum supervision and guidance directly impacting operations and procedures within divisions with minimum supervision. Detail oriented with strong ability to maintain numerous ongoing projects and adapt to rapidly changing priorities. Excellent oral and written communication skills. Strong PC skills, including Microsoft Word and Excel, database applications and on-line legal research tools, as well as ability to master new software quickly and efficiently.

Please forward resume to:
Pacific Life Insurance Company
Attn: HR/JP/IF
700 Newport Center Drive
Newport Beach, CA 92660

Fax: (949) 640-3483
Email:
[email protected]

9/5/99Pacific LifeNewport Beach, CA
  

Financial Service Representatives

Pacific Life, a leader in the financial services industry, is seeking Financial Service Representatives who would be responsible for issuing new business, phone requests, withdrawals, surrenders, and providing customer service to agents, producers and broker dealers. Day and evening shifts, temporary and permanent opportunities available. Requires 2 years related experience in a high volume processing environment. A college degree, good PC skills, and Series 6 are preferred.

Please forward resumes to:

Pacific Life
Human Resources/Employment-IF
700 Newport Center Drive
Newport Beach, CA 92660

Fax: (949) 640-3483
Email: [email protected]

8/18/99The Lewer Agency, Inc.San Francisco, CA
  

Sales Representative

Tired of Prospecting? The Lewer Agency, Inc. is sponsored by 30 Fortune 500 Companies to call on their independent marketers. We are looking for proven professional sales representatives to represent us in our sponsored marketplace by working with independent business owners in the areas of: Financial Planning, Insurance Planning and Employee Benefits.

We offer: Incredible Growth Potential, Sales Support, Attractive Compensation and Bonus Program, Quality Products and a Sponsored Marketplace.

Minimum 2 years experience with a life and health license and Series 6 and 63 registration.

To find out how you can become part of our sales team, please call Jay Webber at 800-821-7711 Ext. 105, e-mail your resume to [email protected], or fax your resume to Attn: Jay Webber-IF at (816) 561-6840.

The Lewer Agency, Inc.
4534 Wornall Road
Kansas City, MO 64111-3226

8/17/99The Lewer Agency, Inc.San Diego, CA
  

Sales Representative

Tired of Prospecting? The Lewer Agency, Inc. is sponsored by 30 Fortune 500 Companies to call on their independent marketers. We are looking for proven professional sales representatives to represent us in our sponsored marketplace by working with independent business owners in the areas of: Financial Planning, Insurance Planning and Employee Benefits.

We offer: Incredible Growth Potential, Sales Support, Attractive Compensation and Bonus Program, Quality Products and a Sponsored Marketplace.

Minimum 2 years experience with a life and health license and Series 6 and 63 registration.

To find out how you can become part of our sales team, please call Jay Webber at 800-821-7711 Ext. 105, e-mail your resume to [email protected], or fax your resume to Attn: Jay Webber-IF at (816) 561-6840.

The Lewer Agency, Inc.
4534 Wornall Road
Kansas City, MO 64111-3226

8/12/99USAASan Antonio, TX
  

Life/Health Underwriter

This professional will underwrite individual life and health insurance applications within the issuance guidelines on a standard and substandard basis, as well as determine whether to accept, modify or decline a risk by evaluating medical history/physical conditions, occupational hazards, financial background, insurable interest, etc. The chosen individual will interact with sales, reinsurers, physicians and members to gather information in order to make these decisions. Other responsibilities include reviewing cases requiring higher ratings for excess amounts.

The ideal candidate will have:
* Five years experience as a Life Insurance Underwriter
* Completion and maintenance of FLMI and AALU coursework and designations
* Strong decision making, leadership and customer contact skills
* Excellent interpersonal and verbal/written communication skills
* The ability to work under pressure

The following is preferred:
* Fellow of the Academy of Life Underwriting designation
* Job related education (including Physiology and/or Biology)

Please send a resume to:
USAA Employment Office-IF
Reference #80-4700-126/AC
9800 Fredericksburg Road
San Antonio, TX 78288-0055

Fax: (210) 498-8974
Email: [email protected]

8/8/99MetLifeVarious Locations
  

General Managers & Sales Managers

MetLife is looking for management candidates who are interested in a rewarding opportunity to build and grow with one of the highest rated companies in the insurance industry.

Successful candidates will have:

- Five years experience in sales and management with a strong track record in recruiting and proven ability to motivate and retain a productive sales force.
- Strong leadership and communication skills.
- A college degree or equivalent work experience.
- CLU/ChFC and CFP desigantions a plus.
- NASD registration is required.

MetLife managers are supported by innovative agency development programs and successful target marketing initiatives.

Send your resume, including geographic preferences and compensation history to:

John Riley
Vice-President
MetLife-IF
Agency Growth & Development, Area 5D
One Madison Ave.
New York, NY 10010-3690

Fax: 212-252-7488
[email protected]

Equal Opportunity Employer
H9806XJ7 (exp0600) MLIC-LD

8/6/99GE Capital Assurance, Long Term Care Division San Rafael, CA
  

Product Manager

GE Financial Assurance's (GEFA) goal is to consistently generate Superior Returns to our shareholders through consistently delivering Differentiated Solutions for our customers using a solid foundation in Compliance, Quality, Risk Management, and Controllership.

GEFA-LTC is a division of GEFA and is said to be one of the biggest growth opportunities in all of GE! Our goal is to exploit this by being the best Long-Term Care (LTC) Insurance provider in the World. Being the best means that we are committed to being a solutions-oriented company and continually introducing innovative new products and features that provide value to our customers.

The Product Manager will be responsible for managing a portfolio of solutions throughout their entire life cycle. He or she will be responsible for leading the design, development, launch, and on-going management of multiple products from our Multi-Generational Product & Process Planning (MGP3) using the Product Introduction and Enhancement (PIE) process. PIE, a GE best practice, is a rigorous, risked focused, communication-intensive, cross-functional process using tollgates and tools to ensure we deliver the right products, to the right customers, in the right timeframe.

For immediate consideration, please forward your resume with salary history & requirements to:
GE Financial Assurance - LTC
Attention: Human Resources/SLP-IF
1650 Los Gamos Dr.
San Rafael, CA 94903-1899

Email to: [email protected]
Attention:SLP-IF

Fax: 415-492-7993
Attention:SLP-IF

No Phone inquiries, please.
An equal opportunity employer

8/6/99GE Capital Assurance, Long Term Care Division San Rafael, CA
  

Account Manager

GE Financial Assurance's (GEFA) goal is to consistently generate Superior Returns to our shareholders through consistently delivering Differentiated Solutions for our customers using a solid foundation in Compliance, Quality, Risk Management, and Controllership.

GEFA-LTC is a division of GEFA and is said to be one of the biggest growth opportunities in all of GE! Our goal is to exploit this by being the best Long-Term Care (LTC) Insurance provider in the World. Being the best means that we are committed to being a solutions-oriented company and continually introducing innovative new products and features that provide value to our customers.

The resonsibilities of the Account Manager are to plan, coordinate & execute implementation of new accounts. Create, implement and track marketing & sales campaigns. Serves as key contact for problem & issue resolution. Facilitate compliance filing & review of proprietary materials. Maintain current knowledge of key competitors. Provide ad hoc reporting as requested. Track & analyze sales results for assigned accounts/ segments. Develop & maintain account scorecards. Develop & execute "Voice Of Customer" strategy. Participate in periodic business planning and review sessions.

For immediate consideration, please forward your resume with salary history & requirements to:
GE Financial Assurance - LTC
Attention: Human Resources/SLP-IF
1650 Los Gamos Dr.
San Rafael, CA 94903-1899

Email to: [email protected]
Attention:SLP-IF

Fax: 415-492-7993
Attention:SLP-IF

No Phone inquiries, please.
An equal opportunity employer

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