Explore Your Passion with Our Positions

ORMB Developer - 25010336

Location: Mumbai, Maharashtra | India |

Job Schedule: Full-time

Department: Information Technology

At MoneyGram, we connect the world by making cross-border money transfers seamless, affordable, and secure for everyone. We are seeking:

ORMB Developer 

 
What you will contribute:

The ORMB Developer performs low complexity software development tasks related to both supporting or enhancing existing software applications/systems and creating new software applications/systems; the tasks are performed under constant supervision. The ORMB Developer is familiar with basic software development concepts, practices and procedures, able to apply them and learn more complex concepts. 

What you will do:

• Perform clearly defined software development tasks of low complexity.
• Participate in developing fixes or enhancements in existing applications/systems and/or new applications as specified.
• Provide on-call support during non-working hours. Work on incidents and requests. 
• Participate in scrum and complete work related to assigned stories. 
• Understand and use technical documentation.
• Perform system testing and/or other duties as assigned.

What we are looking for:

Education

• Bachelor of Science in computer science or a related technical field, or equivalent combination of post-secondary education and work experience.

Experience

• 1+ year of study in the field of software engineering or equivalent.
• Hands on experience or understanding of Java/OUAF framework. 
• Hands on experience or understanding of SQL. 
• Hands on experience or understanding of CI/CD pipelines, git tools and deployment tools. 
• ORMB/CCM related experience, good to have. 
• AI tools experience to embed in business problems, good to have. 

Essential Skills

• Ability to learn.
• Demonstrated ability to gather requirements, design and develop systems.
• Team player and individual contributor.
• Ability to accurately identify root cause of technical problems.
• Excellent communication skills; verbal and written.
• Ability to adapt to change.
• Openness for afternoon shift IST.

Why Join Us? 

Here are some reasons it is so easy to love your career with us! 

• Comprehensive Health Insurance - Full coverage for you and your family, including dental and vision care. Stay healthy and worry-free!
• Life and Accident Insurance - Peace of mind with coverage that protects you and your loved ones.
• Community Service Days - Make a difference! Enjoy paid days off to volunteer and give back to your community.
• Tuition Reimbursement - Invest in your future with our tuition reimbursement program. We support your educational and career growth.
• Transfer Fee Reimbursement - Corporate products and services at discounted prices. We’ve got you covered.
• Employee Assistance Program - Access to confidential counseling and support services for personal and professional well-being.
• Employee Referral Program - Help us grow our team! Earn rewards for referring talented friends and colleagues.
• Remote work flexibility - Enjoy the freedom of working remotely with flexible scheduling options. 

Location: This position is based in India. While this is a remote flexible role it is required to reside in this country.

About MoneyGram 

MoneyGram International, Inc. is a global financial technology leader, empowering consumers and businesses to send and manage money across over 200 countries and territories. With an industry-leading app and one of the world’s largest cash distribution networks, MoneyGram processes more than $200 billion annually, serving over 50 million people. A pioneer in blockchain technology, the company enables customers to buy, sell, and hold digital currencies, with over 50% of transactions now digital. Headquartered in Dallas, Texas, MoneyGram is celebrated for its strong culture, earning the Top Workplaces USA award three years in a row. 

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Sales & Account Manager - Portuguese Speaker - 25010331

Location: Johannesburg, ZA-Johannesburg | South Africa |

Job Schedule: Full-time

Department: Sales

 At MoneyGram, we connect the world by making cross-border money transfers seamless, affordable, and secure for everyone. We are seeking a new Sales and Account Manager - Portuguese Speaker who is responsible for leading market development and new strategic sales (independent and small chain, retail store fronts) in an assigned territory. The position is responsible for professionally promoting all MoneyGram products to new and existing retail establishments with the goal of achieving sales growth in their respective territories. The Sales and Account Manager- Portuguese Speaker is also responsible for developing and executing sales plans, coordinate efforts with territory partners in a team environment, accurately complete routine reports and be compliant with regulatory and company guidelines.

What you will get to do : 

• Help developing and managing the implementation of the country strategy, ensuring successful business growth in both the short and long term. Ensures achievement of country objectives in collaboration with line manager.
• Manages the ongoing maintenance of key accounts or super-agents, ensuring the profitable transaction growth. Identifies and pro-actively courts potential new business partners. Actively facilitates the contractual arrangements on appropriate commercial terms. Ensures agendas are understood and adhered to.
• Identifies new business opportunities/solutions of mutual benefit to MoneyGram and the Agents. Attends relevant management meetings and provides input into the strategic development of the region. Identifies opportunities for marketing opportunities, ensuring product/brand awareness with key business partners and customers is maximized. Works with the relevant teams; actively ensures the smooth introduction and marketing of any enhanced or new products.
• Ensures the timely and efficient set-up/roll-out of new network and the resolution of operational and other problems through the management of key personnel and liaison with the relevant teams. Analyzes trends/changes to transaction levels and identifies solutions to capitalize on growth opportunities. Ensures full business policy compliance with local and regional regulations governing MoneyGram's business guidelines. Liaison with local central banks and other regulatory agencies on issues related to anti money laundering laws and controls, in conjunction with the Legal Affairs team. Participates in events within the region to raise product/brand awareness with key business partners.
• Create & manage relationships with key sub-agents & key locations for all agents in the country. Organize regular visits and meetings with sub-agent management & location managers to review current activities, identity opportunities & risks (pricing, corridors), solve issues (IT, compliance) in collaboration with MoneyGram teams.
• Performs other duties as assigned (pricing, competitive benchmark, relationships with local marketing agencies when relevant, monitor launch of marketing campaigns). Has the ability to travel to other countries in the region if & when required to perform these duties

Who you are : 

• Degree educated
• Minimum Required: 5 – 7 years of applicable experience
• Demonstrated experience of operating at a similar level of seniority
• Experienced in relationship management
• Excellent presentational skills - able to give a polished presentation in a variety of formats, informally and formally
• Strong commercial & financial acumen – able to identify and work with key business partners to maximize business results
• Solution driven with the willingness and ability to implement innovative ideas and improve working methodologies
• Able to breakdown complex issues into simple components and build/implement required action plans
• Excellent project management skills; ability to determine key priorities and manage outcomes to timeline
• Prior experience of managing budgets and taking responsibility for P&L
• Able to work with in a matrix reporting environment, build and maintain strong relationships with peers, stakeholders
• Computer literate - able to use Microsoft suite of packages
• Ability to work in a culturally diverse environment

Why join us? : 

• You want a job with a direct impact on the life of thousands of customers across Portuguese speaking countries across Africa?
• You want to join a dynamic financial service company with a brand that matters? 
• You are looking for a job which will allow you to be in the field, to initiate, develop and nurture relationships across multiple countries. 

About MoneyGram 

MoneyGram International, Inc. is a global financial technology leader, empowering consumers and businesses to send and manage money across over 200 countries and territories. With an industry-leading app and one of the world’s largest cash distribution networks, MoneyGram processes more than $200 billion annually, serving over 50 million people. A pioneer in blockchain technology, the company enables customers to buy, sell, and hold digital currencies, with over 50% of transactions now digital. Headquartered in Dallas, Texas, MoneyGram is celebrated for its strong culture, earning the Top Workplaces USA award three years in a row. 

Principal Sales Executive for Key Partnerships - 25010346

Location: Dallas, Texas | United States of America | Remote

Job Schedule: Full-time

Department: Sales

At MoneyGram, we connect the world by making cross-border money transfers seamless, affordable, and secure for everyone. We are seeking a Principal Sales Executive for Key Partnerships is responsible for developing and growing the business relationship within MoneyGram's Key Partnership Accounts. This will include agents that have a high percentage of total transactional volume within the department and communicating with several key contacts within multiple departments of each assigned Agent. This position is responsible for forecasting and growing all products to maximize volume within each assigned Agent and will work with the Senior Director in negotiating existing and new agent contracts and up selling new product lines. This role is the primary contact within MoneyGram to manage day to day activities and in developing long term strategies to increase volume. The Principal Sales Executive is also responsible for leading cross-organizational departments to ensure quality end-to-end servicing, training and installation of new products, and ramp up of volume to meet projected forecasts. This position will serve as a Project Manager to lead key initiatives and to ensure objectives and timelines are achieved with respect to our Agents. The incumbent will be responsible for utilizing in depth knowledge and experience with MoneyGram processes and account strategies to mentor the other team players within the department. This position will represent the department for all special projects within the organization, while taking a leadership role with any key initiatives that may impact the department and/or company procedures.

What You'll Do

• Own and grow key partnership accounts, driving volume and revenue growth.
• Lead daily operations and serve as the primary contact across multiple agent departments.
• Present business reviews and develop tailored growth strategies.
• Manage rollout of new products, training, and installations.
• Resolve issues proactively, ensuring operational excellence.
• Partner with Marketing, IT, and cross-functional teams to deliver seamless service.
• Mentor peers and lead departmental projects and initiatives.

Who You Are

• 10+ years of account management experience, ideally in financial services.
• Proven leader with strong project management and strategic thinking skills.
• Excellent communicator and relationship builder.
• Skilled at influencing, negotiating, and delivering business results.
• Comfortable with data analysis, reporting, and executive presentations.
• Able to travel up to 30%; valid driver’s license required.

Why Join Us?

• Impact at Scale: Work with high-volume, strategic partners that move millions globally.
• Leadership Role: Take ownership of key accounts and lead cross-functional projects.
• Growth Culture: Join a company focused on innovation, inclusion, and performance.
• Global Reach: Contribute to a mission that connects people across borders every day.

Location

Virtual Dallas, TX area or flexible

Travel: Up to 30% 

About MoneyGram

MoneyGram International, Inc. is a global financial technology leader, empowering consumers and businesses to send and manage money across over 200 countries and territories. With an industry-leading app and one of the world’s largest cash distribution networks, MoneyGram processes more than $200 billion annually, serving over 50 million people. A pioneer in blockchain technology, the company enables customers to buy, sell, and hold digital currencies, with over 50% of transactions

MoneyGram does not sponsor US work authorizations for this job position including H-1B, O-1, and TN. MoneyGram also does not hire F-1’s working on EAD for this position. 

• Flexible Remote First Flexibility 

• Generous PTO 

• 13 Paid Holidays  

• Medical / Dental / Vision Insurance 

• Life, Disability and other benefits 

• 401K with competitive Employer Match 

• Community Service Days 

• Generous parental leave 

Salary:  

Anticipated Base Pay: $150,000+ and participation in our annual bonus plan. 

Disclaimer:  

The salary/pay rate listed is a good faith determination that may be offered to a successful applicant for this position at the time of this job advertisement based on company hiring process and budget for this role and may be modified in the future. Actual compensation may vary from posting based on geographic location, work experience, education and/or skill level. 

Kassierer / Kassiererin - Filiale Hannover - 40 Stunde / Woche M/W/D - 25010353

Location: Hannover, DE-Hannover | Germany |

Job Schedule: Full-time

Department: Sales

MoneyGram International bietet Menschen, die von ihren Freunden und Familien getrennt leben oder über eingeschränkte Bankbeziehungen verfügen, eine weitere  Möglichkeit zur Deckung ihrer finanziellen Bedürfnisse.  Als führender globaler Anbieter von Geldüberweisungsdiensten ermöglicht es MoneyGram International seinen Kunden, Geld schnell und sicher rund um die Welt zu überweisen.  Das weltweite Netz des Unternehmens besteht aus über 350.000 Standorten in mehr als 200 Ländern.  Zu dem bequemen erreichbaren und zuverlässigen Netzwerk von MoneyGram gehören Einzelhandelsunternehmen, internationale Poststellen und Finanzinstitute.  Zur Ünterstützung unseres Geschäftes in Hannover suchen wir eine/einen Sales Associate/ Kundenbetreuer (m/w/d).  In dieser Rolle werden Sie für die Kundenbetreuung und Entwicklung der Geschäfte vor Ort  verantwortlich sein.

Ihre Aufgaben:

• Sie sind zuständig für einen kompetenten und ansprechenden Kundenservice
• Sie sind verantwortlich für die reibungslose Abwicklung der Geldüberweisung und des Verkaufs von MoneyGram Produkten
• Sie beachten dabei die Regelungen und Vorgehensweisen von MoneyGram im Bezug auf die Sicherheit und die Bekämpfung der Geldwäsche
• Sie sind für den ordnungsgemäßen Zustand der Geschäftsstelle verantwortlich
• Sie setzen die Marketingkampagnen vor Ort  zur Unterstützung des Geschäfts um
• Sie arbeiten in einem Schichtwechselsystem an 5/6 Tagen pro Woche zwischen Montag und Sonntag. Die durchschnittliche Wochenarbeitszeit beträgt 40 Stunden.

Ihr Profil:

• Idealerweise bereits einschlägige Erfahrung in einem ähnlichen Berufsumfeld
• Sehr gute Deutschkenntnisse in Wort und Schrift.  Englische Sprachkenntnisse von Vorteil.
• Gute Erfahrung im Umgang mit Bargeld und IT Systemen
• Flexibilität, auch bezüglich der Arbeitszeiten (Schicht- und Wochenendarbeit 08:00 – 20:30)
• Kundenorientierung und Leidenschaft für Vertrieb  und den Umgang mit Kunden
• Kommunikationsstärke und Freundlichkeit
• Ehrlichkeit, Genauigkeit, Motivation

Wir bieten Ihnen:

• Die Erfahrung eines der weltweit führenden Unternehmen im Bereich des Bargeldtransfers
• Eine abwechslungsreiche, verantwortungsvolle Tätigkeit in einem globalen Unternehmen und einem Wachstumsmarkt
• Ein angenehmes Arbeitsklima in einem engagierten und motivierten Team
• Ein attraktives, erfolgsorientiertes Vergütungspaket
• Eine strukturierte und umfassende Einarbeitung

Kassierer - Kassiererin (m,w,d) in Aachen - 40 Stunde / Woche - 25010339

Location: Aachen, DE-Aachen | Germany |

Job Schedule: Full-time

Department: Sales

Ihre Aufgaben:

Ihr Profil:

Wir bieten Ihnen:

Foreign Exchange Specialist - 25010348

Location: Mumbai, Maharashtra | India |

Job Schedule: Full-time

Department: Finance

At MoneyGram, we connect the world by making cross-border money transfers seamless, affordable, and secure for everyone. We are seeking:

Foreign Exchange Specialist

 
What you will contribute:

The FX Specialist is responsible for providing day to day active management of MG markets globally in adjusting our market position in line with competition and from internal data. Additionally, the role will monitor and change margins where appropriate to ensure MG competitiveness.  The role will include sharing set information with the Finance/Sales organization and maintaining accurate audit of all changes made.

What you will do:

• Daily coordinating with regional Sales team to receive competition rates.
• Apply base FX rates from multiple sources websites, emails etc and use a good level of proficiency in data analysis and information gathering from multiple sources external and internal.
• Update and log intraday margin changes on timely manner based on tracked data from various sources.
• Track and report of changes in FX fees for MG as well as Competition. Prepare and send daily/weekly FX update reports.
• Perform other duties as assigned.

What we are looking for:

Education

• Minimum required: BA/BS degree (ideally Finance).
• CPA/ACA/ACCA/CIMA would be a plus.

Experience

• No prior financial analysis experience required.
• Any prior FX intraday management experience would be a plus.

Essential Skills

• Very good MS Office knowledge (especially Excel).
• Proven ability in clearly defining a problem, collating the required information, analyzing the results, and synthesizing a compelling argument.
• Proactive approach to tasks such as seeking opportunities on projects, performing analysis, and making recommendations for improvements.
• Strong analytical and problem-solving skills with an aptitude for learning new systems and working with large amounts of data.
• Adept at collaboration, with strong communication skills, both verbal and written.
• Able to listen, ask questions, and determine when information is sensitive or confidential.
• Capable of managing multiple priorities and time to meet deadlines, while maintaining accuracy and attention to detail.
• Fluent English.
• Openness to rotational shift schedule (morning and afternoon shift).

Why Join Us? 

Here are some reasons it is so easy to love your career with us! 

• Comprehensive Health Insurance - Full coverage for you and your family, including dental and vision care. Stay healthy and worry-free!
• Life and Accident Insurance - Peace of mind with coverage that protects you and your loved ones.
• Community Service Days - Make a difference! Enjoy paid days off to volunteer and give back to your community.
• Tuition Reimbursement - Invest in your future with our tuition reimbursement program. We support your educational and career growth.
• Transfer Fee Reimbursement - Corporate products and services at discounted prices. We’ve got you covered.
• Employee Assistance Program - Access to confidential counseling and support services for personal and professional well-being.
• Employee Referral Program - Help us grow our team! Earn rewards for referring talented friends and colleagues.
• Remote work flexibility - Enjoy the freedom of working remotely with flexible scheduling options. 

Location: This position is based in Mumbai, India. It’s hybrid model of work, which means you will have to combine working in the office and working from home. 

About MoneyGram 

MoneyGram International, Inc. is a global financial technology leader, empowering consumers and businesses to send and manage money across over 200 countries and territories. With an industry-leading app and one of the world’s largest cash distribution networks, MoneyGram processes more than $200 billion annually, serving over 50 million people. A pioneer in blockchain technology, the company enables customers to buy, sell, and hold digital currencies, with over 50% of transactions now digital. Headquartered in Dallas, Texas, MoneyGram is celebrated for its strong culture, earning the Top Workplaces USA award three years in a row. 

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Sales & Account Manager - GCC region - 25010347

Location: Dubai, AE-Dubai | United Arab Emirates |

Job Schedule: Full-time

Department: Sales

At MoneyGram, we connect the world by making cross-border money transfers seamless, affordable, and secure for everyone. We are seeking a Sales & Account Manager - GCC region who will be responsible for expanding our network across the assigned region by identifying prospects and signing up new Agents as well as Digital Partners (wallets, fintech, startups, remittance companies) in line with the business strategy. Additionally, the incumbent will act as first point of contact for Agents and Partners to resolve any issues, provides customer care and identifies any service improvements which will facilitate increased transaction volumes.

What you will get to do : 

• Supports management in the achievement of the business plans and targets (network, volumes and profitability).
• Supports the Digital Business by expanding the Partner network in the assigned regions.
• Prospects potential Partners in writing, by phone and in person in order to effectively outline the MoneyGram product and service and the mutual business benefit of becoming an agent.
• Maintains a database of all prospect Agents and Partners, contact details and status of sales activity.
• Ensure that all sales activity reports are reviewed, analyzed and followed up as appropriate.
• Ensures all Agent and Partner contract and agreement documentation is to the relevant standard and copies are retained.
• Liaisons with the relevant operational and marketing resources to ensure that the new Partner is set-up and ready for business in a timely manner with all appropriate POS and other materials enabling the Partner to transact.
• Monitors and ensures that transaction volumes meet anticipated levels and opportunities to increase volumes are maximized.
• Builds partnerships with key Partners and ensures queries and problems are promptly resolved by liaising with the relevant parties.
• Works with the marketing team support to corridor analysis and refinement of pricing strategies in order to improve product profitability in addition to transaction volumes.
• Supports the marketing team, as required, by communicating any gaps/shortage of signage and point-of sale materials.
• Performs other duties as required by the business.

Who you are  

• Minimum Required: BA/BS degree in related field preferred or equivalent work experience.

Experience

• 5+ years' experience in a field sales role, closing deals and doing business development in the GCC region.
• Demonstrated expertise in independently planning, managing and executing sales strategies.
• Experience in the financial services industry (cross-border payments, remittance, FX, exchange houses, bank, Fintech, Digital wallets..) 

Essential Skills

• Proven track record in sales, with a demonstrated ability to increase network expansion/volumes.
• Demonstrated experience in building and maintaining customer/client relationships and identifying opportunities to improve business success for both parties.
• Prior exposure in presenting product/service opportunities to clients/customers.
• First class interpersonal skills, able to build and maintain credible relationships with Agents in person and over the telephone.
• Strong presentation skills; ability to present to prospective Agents in a professional format.
• Excellent organizational skills; ability to prioritize own workload and liaison with a geographically dispersed team.
• Excellent problem solving skills; able to effectively and proactively identify and analyze problems and find appropriate solutions.
• Commercial acumen; able to work with key business partners to maximize business capacity for all parties.
• Able to work in a culturally diverse environment and be sensitive to cultural differences.
• Fluent in English and other local language needed. 
• Computer literate - able to use Microsoft suite of packages.

Why Join Us? 

• To refocus and grow the commercial business within the portfolio - Quicken the approach to growth / Speed to market – internal execution to launch / Ruthlessly prioritise
• Be part of an exciting and dynamic local and regional team
• Contribute and be involved in broader sales/functional based activities to support the teams

About MoneyGram 

MoneyGram International, Inc. is a global financial technology leader, empowering consumers and businesses to send and manage money across over 200 countries and territories. With an industry-leading app and one of the world’s largest cash distribution networks, MoneyGram processes more than $200 billion annually, serving over 50 million people. A pioneer in blockchain technology, the company enables customers to buy, sell, and hold digital currencies, with over 50% of transactions now digital. Headquartered in Dallas, Texas, MoneyGram is celebrated for its strong culture, earning the Top Workplaces USA award three years in a row. 

Senior Director, Retail Sales - 25010344

Location: Dallas, Texas | United States of America | Remote

Job Schedule: Full-time

Department: Sales

At MoneyGram, we connect the world by making cross-border money transfers seamless, affordable, and secure for everyone. We are seeking a Senior Director of Retail Sales. This role is specifically accountable for expanding the independent retail agent network. This will be achieved by recruiting, developing, and leading a retail sales team who will identify prospects - independent retailers - and sign them as agents in line with business strategy. The position will support the operations team in ensuring new agents become operational quickly, and in conjunction with the marketing team, will identify/facilitate initiatives to maximize transaction volumes and revenue. Coordinates strategic alignment with other channels to achieve overall market/regional objectives.

What You'll Do

·        Leads and exceeds annual sales targets.

·        Develop and execute a strategic plan to achieve sales targets and expand the company’s customer base.  

·        Maintains a robust sales pipeline and ensures the Retail Sales team is managing deals through the pipeline efficiently.

·        Performance management of the Retail Sales team.

·        Builds and maintains strong, long-lasting high performing sales teams, and works close with Marketing, Compliance, HR, Credit, Legal, GTM, etc.  Coach, train, counsel, and recruit employees.

·        Ensures that the regional sales leaders are leading and mentoring their teams successfully.

·        Analyzes financial and operating statements for profitability ratios.  

·        Monitor local competitors.  

·        Presides over staff/ sales meetings, workshops and training.  

·        Establishes sales objectives by forecasting and developing annual sales quotas for regions and territories, projecting expected sales volume and profit for existing and new products.  

·        Implements regional sales programs by developing field sales action plans.

·        Partners with key agents to understand their business needs and objectives. 

·        Effectively communicate the value proposition through proposals and presentations. 

·        Understands category-specific landscapes and trends, reporting on the forces that shift tactical budgets and strategic direction of accounts.

Who You Are

·        BA/BS in business or related field, or equivalent work experience.

·        Masters, preferred

·        15+ years relevant experience to include proven track record, within field-based sales, network development, marketing/sales management, financial and risk analysis.

·        Proven track record in sales management of field-based sales teams in the independent retail sector, with a demonstrated ability to increase network, sales volumes and revenue.

·        Preferred: knowledge/experience gained within retail financial services, particularly money transfer, would be highly advantageous.

·        Commercial acumen.

·        Understanding of pipeline management and deal forecasting.

·        Strong understanding of prospect needs and market dynamics.

·        Excellent sales and negotiation skills and technical knowledge to make presentations and lead discussions to advance the sales process.

·        Ability to handle objections and close sales.

·        Demonstrable, exceptionally strong management skills.

·        Proven motivational and leadership skills.

·        Excellent interpersonal skills, able to build and maintain credible relationships in person and over the telephone at all levels of seniority.

·        Clear written and verbal communication skills; able to present to prospective Agents in a professional, persuasive, and compelling manner.

·        Excellent organizational skills with the capability to set and manage priorities.

·        Ability to take use initiative and to make fast, effective and appropriate decisions independently of others.

·         Able to work in a culturally diverse environment and be sensitive to cultural differences.

·        Fluent in English.

·        Excellent working knowledge of Microsoft Office.

Why Join Us?

·        Lead at Scale: Take charge of a high-impact sales function, shaping strategy and growing our independent retail network across key markets

·        Make a Global Impact: Help drive financial inclusion by expanding access to secure, affordable money transfers worldwide.

·        Own Your Growth: Thrive in a performance-driven culture with clear visibility to executive leadership and opportunities for advancement.

·        Collaborate Across Functions: Partner with top talent in Marketing, Compliance, HR, and Operations to execute initiatives that deliver measurable business outcomes.

·        Drive Innovation: Influence go-to-market strategies and pioneer new agent acquisition models that push the boundaries of traditional retail sales.

·        Purpose-Driven Work: Join a company on a mission to connect people and communities across borders—and transform lives through financial empowerment.

Location

Virtual Dallas, TX area or flexible anywhere in the US

Travel: Up to 50% 

About MoneyGram

MoneyGram International, Inc. is a global financial technology leader, empowering consumers and businesses to send and manage money across over 200 countries and territories. With an industry-leading app and one of the world’s largest cash distribution networks, MoneyGram processes more than $200 billion annually, serving over 50 million people. A pioneer in blockchain technology, the company enables customers to buy, sell, and hold digital currencies, with over 50% of transactions

MoneyGram does not sponsor US work authorizations for this job position including H-1B, O-1, and TN. MoneyGram also does not hire F-1’s working on EAD for this position. 

• Flexible Remote First Flexibility 

• Generous PTO 

• 13 Paid Holidays  

• Medical / Dental / Vision Insurance 

• Life, Disability and other benefits 

• 401K with competitive Employer Match 

• Community Service Days 

• Generous parental leave 

Salary:  

Anticipated Base Pay: $200,000+ and participation in our uncapped sales incentive plan. 

Disclaimer:  

The salary/pay rate listed is a good faith determination that may be offered to a successful applicant for this position at the time of this job advertisement based on company hiring process and budget for this role and may be modified in the future. Actual compensation may vary from posting based on geographic location, work experience, education and/or skill level. 

Senior Director, Retail Account Management - 25010345

Location: Dallas, Texas | United States of America |

Job Schedule: Full-time

Department: Sales

At MoneyGram, we connect the world by making cross-border money transfers seamless, affordable, and secure for everyone. We are seeking a Senior Director of Retail Account Management. This role is responsible for developing and managing the Account Management team, resulting in retention and profitable growth for the retail business segment. The incumbent is responsible for the retention and growth of all existing retail accounts, by tracking and maximizing volume within existing accounts, identifying and selling new products/services within the existing accounts, and ensuring agent retention.

What You'll Do

• Provides financial guidelines for staff for signing profitable agent contracts.
• Ensure staff has resources, materials and incentives necessary to meet job objectives.
• Hires, trains, and develops overall group account management skills.
• Provides a constructive, enthusiastic work environment for all employees.
• Build relationships with senior level contacts within existing accounts
• Negotiates large-scale agent’s contracts.
• Meets management targets for segment, volume and profit growth.
• Develops and provides quarterly written account plans and business objectives for all major accounts.
• Maintains open channels of communications with all major accounts.
• Analyzes marketplace trends, competitive activities, and new product or business opportunities.
• Manages sales activity to gain market share and alert other departments to competitive threats.
• Responsible for creating strategic plans that enhance share and increase channel profitability.
• Works with internal departments for timely agent setup and customer issue solutions.
• Provides timely and accurate reporting and communication to Leadership.
• Communicates technology trends as it affects the retail environment.
• Coordinates with the Marketing Manager to ensure the proper expenditure of marketing/promotional resources for retail agents.
• Performs other duties and/or special assignments/projects as assigned.

Who You Are

• BA/BS in business or related field, or equivalent work experience.
• Masters, preferred.
• 15+ years sales experience.
• 5+ years sales experience to large retail chain accounts; selling financial services products, preferred.
• 5+ years of sales management experience.
• Proven negotiation and consultative selling, and relationship management skills.
• Proven ability to work both independently and a team environment.
• Excellent presentation, oral and written communication skills suitable to various levels in an organization.
• Ability to analyze data and make decisions
• Salesforce.com experience a plus
• Experience leading a dispersed, remote team

• Proven ability to work with and motivate technical, operation and salespeople at all levels of internal and external customers.
• Proven understanding of return on investment and account profitability.

Why Join Us?

·        Lead a High-Impact Team: Build, mentor, and develop a high-performing account management team that drives retention and growth across our retail segment.

·        Own Strategic Relationships: Manage our most valuable retail partnerships, negotiating large-scale contracts and influencing key decisions at the senior level.

·        Shape the Future of Retail Expansion: Play a pivotal role in increasing market share and profitability by identifying opportunities, tracking trends, and launching new services.

·        Work at a Global Scale: Contribute to a mission that connects millions of people through secure and affordable cross-border financial services.

·        Collaborate Cross-Functionally: Partner with Marketing, Operations, Technology, and Product teams to deliver exceptional value to our agents and customers.

·        Thrive in a Performance-Driven Culture: Join an organization that recognizes leadership, strategic thinking, and measurable results in a fast-paced fintech environment

Location

Virtual Dallas, TX area or flexible anywhere in the US

Travel: Up to 50% 

About MoneyGram

MoneyGram International, Inc. is a global financial technology leader, empowering consumers and businesses to send and manage money across over 200 countries and territories. With an industry-leading app and one of the world’s largest cash distribution networks, MoneyGram processes more than $200 billion annually, serving over 50 million people. A pioneer in blockchain technology, the company enables customers to buy, sell, and hold digital currencies, with over 50% of transactions

MoneyGram does not sponsor US work authorizations for this job position including H-1B, O-1, and TN. MoneyGram also does not hire F-1’s working on EAD for this position. 

• Flexible Remote First Flexibility 

• Generous PTO 

• 13 Paid Holidays  

• Medical / Dental / Vision Insurance 

• Life, Disability and other benefits 

• 401K with competitive Employer Match 

• Community Service Days 

• Generous parental leave 

Salary:  

Anticipated Base Pay: $200,000+ and participation in our uncapped sales incentive plan. 

Disclaimer:  

The salary/pay rate listed is a good faith determination that may be offered to a successful applicant for this position at the time of this job advertisement based on company hiring process and budget for this role and may be modified in the future. Actual compensation may vary from posting based on geographic location, work experience, education and/or skill level. 

Regional Compliance Officer - Australia & New Zealand - 25010351

Location: Sydney, AU-Sydney | Australia |

Job Schedule: Full-time

Department: Compliance

At MoneyGram, we connect the world by making cross-border money transfers seamless, affordable, and secure for everyone. We are seeking:

Regional Compliance Officer 

 
What you will contribute:

The Regional Compliance Officer is responsible for working directly with MoneyGram agents within assigned region. The incumbent is a primary compliance resource with responsibilities of: assessing agents’ implementation of MoneyGram requirements (as applicable), driving training and awareness initiatives, and providing guidance and support to Agents. The incumbent will also be responsible for driving Agents to implement or enhance AML/CTF Compliance and Anti-Fraud Programs and Procedures, and assist in the development of these frameworks, as required. The Regional Compliance Officer will partner and liaison with business unit representatives to ensure that Agent risk and compliance frameworks are practical, efficient and workable; captures MoneyGram policies and expectations, as well as regulatory requirements. The incumbent will be tasked with proposing corrective action measures to mitigate any risks identified throughout the execution of tasks.

Coverage - Australia, New Zealand.

What you will do:

• Execute on established MoneyGram AML/CTF Compliance and Anti-Fraud Programs, principles, standards, policy, and oversight expectations within assigned region.
• Implement policies and procedures designed to mitigate exposure and enhance compliance activities.
• Ensure program is maintained and relevant.
• Consult with internal and external experts to identify risks, best practice and expectations.
• Analyze internal and external information to gain additional intelligence regarding emerging risk.
• Communicate policy goals for area of expertise, ensuring application across the enterprise.
• Facilitate policy, risk and control discussions with Stakeholders.
• Ensure policy objectives are met.
• Provide guidance and support to the Regional Business through participation in new product/service or channel projects.
• Provide support for Agent due diligence activities.
• Provide guidance, policy interpretation and support to Agents within the region.
• Actively participate in management discussions on risk and participates in governance and risk committee meetings as appropriate.
• Represent MoneyGram’s risk and compliance framework to external audiences, including Agents and banking partners.
• Liaison with regulators, law enforcement and industry members.
• Participate in industry forums and associations. 
• Provide content messaging for new policies as rolled out.
• Ensure training materials are in-line with policy expectations.
• Provide Agent and employee training.
• Perform other duties as assigned.

What we are looking for:

Any combination of relevant education and experience and/or related professional designations/certifications in this field is highly desirable.

Education

• Minimum Required: Post-secondary degree or equivalent combination of educational and work experience.
• CAMS, preferred.

Experience

• 3-5 years' work experience within the financial services industry.
• Experience working with AUSTRAC.

Essential Skills

• Working knowledge of Bank Secrecy Act and AML Regulations, USA Patriot Act, Office of Foreign Assets Control (strongly preferred outside of US; required US).
• Working knowledge of regulatory requirements within the assigned region. 
• Ability to operate multi-nationally with internal business partners and Agents.
• Ability to work in a self-directed and remote environment.
• Demonstrated understanding of the MoneyGram's business practices, organizational structure and general policies and procedures.
• Demonstrated ability to draft clear and professional correspondence and other documents of a legal, compliance and business nature.
• Excellent analysis and problem solving skills.
• Excellent customer service skills and the ability to resolve customer complaints.
• Demonstrated ability to appropriately work with confidential information.
• Ability to facilitate the collection of information through interviews, meetings etc.
• Ability to articulate and convey complex, conceptual information to various audiences verbally and in writing.
• Experience communicating with regulators and law enforcement agencies.
• Experience in public speaking and making clear and persuasive business presentations.
• Excellent demonstrated organizational skills, including time management, record keeping, self-scheduling, and follow-up.
• Must be a self-starter and be able to act independently.
• Demonstrated ability to handle multiple priorities in a dynamic environment.
• Openness for traveling within the region.

Why Join Us? 

Here are some reasons it is so easy to love your career with us! 

• Comprehensive Health Insurance - Full coverage for you and your family, including dental and vision care. Stay healthy and worry-free!
• Life and Accident Insurance - Peace of mind with coverage that protects you and your loved ones.
• Pension Program - Secure your future with our robust pension plan, ensuring a comfortable retirement.
• Community Service Days - Make a difference! Enjoy paid days off to volunteer and give back to your community.
• Tuition Reimbursement - Invest in your future with our tuition reimbursement program. We support your educational and career growth.
• Transfer Fee Reimbursement - Corporate products and services at discounted prices. We’ve got you covered.
• Employee Assistance Program - Access to confidential counseling and support services for personal and professional well-being.
• Employee Referral Program - Help us grow our team! Earn rewards for referring talented friends and colleagues. 

Location: This position is based in Sydney, Australia. It’s hybrid model of work, which means you will have to combine working in the office and working from home. 

About MoneyGram 

MoneyGram International, Inc. is a global financial technology leader, empowering consumers and businesses to send and manage money across over 200 countries and territories. With an industry-leading app and one of the world’s largest cash distribution networks, MoneyGram processes more than $200 billion annually, serving over 50 million people. A pioneer in blockchain technology, the company enables customers to buy, sell, and hold digital currencies, with over 50% of transactions now digital. Headquartered in Dallas, Texas, MoneyGram is celebrated for its strong culture, earning the Top Workplaces USA award three years in a row. 

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Responsable Acquisition Nouveaux Comptes - Region Auvergne - Rhône Alpes, Sud - Bourgogne-Franche-Comté - 25010350

Location: FR-Lyon, France | Location |

Job Schedule: Full-time

Department: Sales

Qui nous sommes :

MoneyGram est un réseau de transfert d'argent transfrontalier, centré sur le client et orienté vers le numérique. Grâce à notre culture d'innovation fintech, nous transformons la manière dont les consommateurs et les entreprises envoient et reçoivent de l'argent dans presque tous les pays du monde.

Avec notre plateforme de pointe et nos partenariats stratégiques avec certaines des plus grandes marques mondiales, nous aidons nos millions de clients à travers le monde à faire plus avec leur argent grâce à une suite complète de produits et services numériques et disponibles en point de vente.

Tout cela est rendu possible par notre équipe dévouée et diversifiée de professionnels à travers le monde. Si vous êtes prêt pour une aventure professionnelle remplie d'opportunités passionnantes, rejoignez-nous et contribuons ensemble à façonner l'avenir des paiements chez MoneyGram !

Les Chiffres :

• Nous servons plus de 50 millions de personnes chaque année dans plus de 200 pays et territoires.
• Nous sommes une équipe mondiale de plus de 2 000 personnes issues de 36 pays.
• Nous traitons plus de 200 milliards de dollars annuellement, avec les transactions numériques représentant environ 50 % de notre activité de transfert d'argent.
• Nous sommes reconnus pour notre forte culture d'entreprise à l'échelle mondiale, démontrée par :
  • Lauréat du prix « Top Workplaces USA » (trois années consécutives !)
  • L'un des « Meilleurs Lieux de Travail » au Moyen-Orient
  • Et lauréat de nombreux prix régionaux, tels que « Lieu de Travail Amical en Pologne » et « Top Workplace à DFW » par The Dallas Morning News

Ce que vous apporterez :

Le Responsable Acquisition Nouveaux Comptes sera chargé d'étendre le réseau d'Agents dans la région assignée en identifiant des prospects et en signant de nouveaux Agents conformément à la stratégie de l'entreprise. Vous serez responsable de présenter MoneyGram aux Agents potentiels et de gérer l'ensemble du processus de vente, de l'identification des prospects aux démonstrations utilisateur.

Ce que vous ferez :

• Prospecter des Agents potentiels par écrit, par téléphone et en personne pour présenter efficacement les produits et services de MoneyGram et les avantages mutuels de devenir un agent.
• Passer la majorité de votre temps (environ 80 %) hors du bureau, à rencontrer des partenaires potentiels dans toute votre région.
• Soutenir l'activité de détail en développant le réseau de sous-agents dans les régions assignées.
• Maintenir une base de données de tous les Agents prospects, leurs coordonnées et l'état des activités de vente.
• Assurer que tous les rapports d'activité de vente sont examinés, analysés et suivis de manière appropriée.
• Veiller à ce que toute la documentation des contrats et accords des Agents soit conforme aux normes pertinentes et que des copies soient conservées.
• Soutenir la direction dans la réalisation des plans et objectifs commerciaux (réseau, volumes et rentabilité).
• Surveiller et garantir que les volumes de transactions atteignent les niveaux anticipés et maximiser les opportunités d'augmentation des volumes.
• Établir des partenariats avec les Agents clés et veiller à ce que les questions et problèmes soient résolus rapidement en liaison avec les parties concernées.
• Collaborer avec les ressources opérationnelles et marketing pertinentes pour assurer que le nouvel Agent est prêt à faire des affaires en temps opportun avec tous les matériels POS appropriés.
• Travailler avec le soutien de l'équipe marketing pour l'analyse des corridors et l'affinement des stratégies de tarification afin d'améliorer la rentabilité des produits ainsi que les volumes de transactions.
• Soutenir l'équipe marketing, si nécessaire, en communiquant tout manque/pénurie de signalétique et de matériel de point de vente.
  Effectuer d'autres tâches selon les besoins de l'entreprise.

Ce que nous recherchons :

Éducation et Expérience :

• Diplôme de l'enseignement supérieur obligatoire : licence ou master dans un domaine connexe.
• Minimum de 7 ans d'expérience prouvée dans un rôle de vente sur le terrain et/ou de développement commercial avec des responsabilités croissantes et une capacité démontrée à augmenter l'expansion du réseau/les volumes.

Compétences et Expérience :

• Permis de conduire valide
• Expérience significative antérieure dans l'écosystème des transferts de fonds / paiements / fintech dans un rôle de vente sur le terrain.
• Maîtrise parfaite de la communication écrite et orale en français et en anglais (niveau C1) ; toute compétence linguistique supplémentaire est souhaitable.
• Expérience démontrée dans la construction et le maintien de relations clients/clients et l'identification d'opportunités pour améliorer le succès commercial des deux parties.
• Expérience antérieure dans la présentation des opportunités de produits/services aux clients/clients.
• Excellentes compétences interpersonnelles ; capacité à établir et à maintenir des relations crédibles avec les Agents en personne et par téléphone.
• Excellentes compétences en présentation ; capacité à présenter aux Agents potentiels de manière professionnelle.
• Excellentes compétences organisationnelles ; capacité à prioriser sa propre charge de travail et à collaborer avec une équipe géographiquement dispersée.
• Excellentes compétences en résolution de problèmes ; capacité à identifier et à analyser proactivement les problèmes et à trouver des solutions appropriées.
• Sens des affaires ; capacité à travailler avec des partenaires commerciaux clés pour maximiser la capacité commerciale de toutes les parties, y compris dans un contexte international.
• Capacité à travailler dans un environnement culturellement diversifié et à être sensible aux différences culturelles.
• Maîtrise de Microsoft Office et de SalesForce.

Pourquoi vous allez adorer travailler ici :

Lorsque vous commencez une carrière chez MoneyGram, vous rejoignez une équipe talentueuse et motivée qui construit le succès d'un fournisseur mondial de confiance de services innovants de transfert d'argent et de paiement.

Commercial Terrain - Account Manager (H/F) - Quart Sud Est de la France - 25010349

Location: FR-Lyon, France | Location |

Job Schedule: Full-time

Department: Sales

Au sein de la Société MoneyGram International Sarl France, le Sales and Account Manager sera chargé d’étendre le réseau d’agents dans la région Quart Sud Est de la France en identifiant des clients potentiels et en signant des contrats avec de nouveaux agents pour répondre à la stratégie de l’entreprise. Il sera en outre le premier point de contact des agents pour résoudre des problèmes, gérer le service d'assistance à la clientèle et identifier les améliorations au sein du service qui faciliteront l’accroissement du volume de transactions.

Responsabilités principales :

• Soutenir la direction dans la mise en œuvre de plans d’affaires et de cibles (réseau, volumes et rentabilité).
• Soutenir la vente au détail en étendant le sous-réseau d’agents dans les régions désignées.
• Contacter des agents potentiels par téléphone, par écrit et en personne, en mettant en valeur les produits et services de MoneyGram, ainsi que les aspects avantageux de part et d'autre du fait de devenir agent.
• Maintenir une base de données de tous les agents potentiels, incluant leurs coordonnées et le statut de l’activité commerciale.
• Veiller à ce que tous les rapports d’activité de ventes soient révisés, analysés et suivis au besoin.
• Garantir le respect des normes de toute la documentation relative aux accords et contrats avec des agents et la conservation de copies.
• Établir la liaison avec les ressources opérationnelles et marketing pertinentes afin de veiller à ce que le nouvel agent soit installé et prêt à commencer en temps opportun, avec tous les points de vente et autres documents adéquats pour lui permettre de faire des transactions.
• Surveiller et veiller à ce que les volumes transactionnels atteignent les niveaux escomptés et que les possibilités d’accroître les volumes soient optimisées.
• Développer un partenariat solide avec les principaux agents et veiller à la résolution rapide des requêtes et des problèmes en assurant la liaison avec les parties concernées.
• Travailler avec le soutien de l’équipe marketing pour conduire l’analyse et affiner les stratégies de prix afin d’améliorer la rentabilité des produits ainsi que les volumes transactionnels.
• Soutenir l’équipe marketing, en fonction des exigences, par une communication régulière.
• Cette description n’est pas exhaustive.

Formation initiale :

• Minimum requis : Bac+2 dans le domaine commercial et/ou une expérience commerciale équivalente

Expérience :

• 3 ans d'expérience dans un poste de commercial terrain en vente et en service auprès de la distribution de détail
• Une expertise démontrée dans la préparation, la gestion et l'exécution de stratégies commerciales.

Compétences requises :

• Une expérience réussie en vente auprès de la distribution avec une capacité reconnue à accroitre les volumes et à contribuer à l'expansion des réseaux de vente
• Une expérience réussie dans la création et l'entretien de relations clients et dans l'identification d'opportunités bénéfiques pour les deux parties.
• Une expérience préalable de présentation de produits et services aux clients
• Des compétences relationnelles hors pair qui permettront de construire et entretenir des relations avec les agents tant en personne qu'au téléphone.
• D'excellentes compétences en présentation et en prise de parole en public, notamment auprès d'agents prospects.
• Une organisation et une capacité a prioritiser les urgences certaines, notamment du fait de la dispersion géographique du territoire.
• D’excellentes capacités de résolution des problèmes et d'identisation efficace de solutions
• La capacité à travailler dans un environnement d'ouverture culturelle forte et de s'adapter à chaque culture en en comprenant les différences
• Le Français et l'Anglais doivent être de niveau courant tant à l'écrit qu'à l'oral
• Permis de conduire catégorie B
• La connaissance de la suite Microsoft Office (Excel, Word, PowerPoint) est nécessaire

Sales & Account Manager - bilingual Spanish/English - 25010355

Location: Tampa, Florida | United States of America | Remote

Job Schedule: Full-time

Department: Sales

At MoneyGram, we connect the world by making cross-border money transfers seamless, affordable, and secure for everyone. We are seeking a Sales and Account Manager (bilingual Spanish/English) for leading market development and new strategic sales (independent and small chain, retail store fronts) in an assigned territory. The position is responsible for professionally promoting all MoneyGram products to new and existing retail establishments with the goal of achieving sales growth in their respective territories. The Sales and Account Manager III is also responsible for developing and executing sales plans, coordinating efforts with territory partners in a team environment, completing routine reports and compliant with regulatory and company guidelines.

What you will get to do

·        Generates leads and calls on prospects to drive strategic new business signings.

·        Sales focus will be strategic with focus on competitive takeaways, as well as small to medium sized businesses, including retailers, check casher, ethnic merchants and financial institutions.

·        Demonstrates thorough knowledge of MoneyGram products and services and competitor products and services to further educate business owners and decision makers.

·        Participate in tradeshows and other industry meetings as required.

·        Plans and manages corridor and product (Money Orders, MoneyGram Money Transfers, Bill Payments, and prepaid Cards) strategies to drive volume growth in coordination with marketing managers, corridor managers, and product managers.

·        Maintains an up-to-date database to document sales call information, trends, future call objectives, sampling data and overall sales performance.

·        Use all available data and reporting to identify growth opportunities within sales territory.

·        Performs other duties as assigned.

Who you are

·       Minimum Required: BA/BS degree in related field preferred or equivalent work experience

·       5+ years' experience in the field of sales role, selling, and servicing retail customers with bilingual Spanish/English

·       Demonstrated expertise in independent planning, managing and executing sales strategies.

·       Proven track record in sales, with a demonstrated ability to increase network expansion/volumes.

·       Demonstrated experience in building and maintaining customer/client relationships and identifying opportunities to improve business success for both parties.

·       Prior exposure in presenting product/service opportunities to clients/customers.

·       First class interpersonal skills, able to build and maintain credible relationships with Agents in person and over the telephone.

·       Strong presentation skills; ability to present to prospective Agents in a professional format.

·       Excellent organizational skills; ability to prioritize own workload and liaison with a geographically dispersed team.

·       Excellent problem-solving skills; able to effectively and proactively identify and analyze problems and find appropriate solutions.

·       Commercial acumen; able to work with key business partners to maximize business capacity for all parties.

·       Able to work in a culturally diverse environment and be sensitive to cultural differences.

·       Fluent in both written and spoken in local language. Fluency in English would be highly advantageous.

·       Computer literate - able to use Microsoft suite of packages.

Why Join Us?

·        Drive Real Impact: Play a key role in expanding access to affordable and secure financial services that connect communities globally

·        Own Your Territory: Take charge of a dynamic region, leading growth and strategy for retail partnerships with autonomy to make decisions that matter.

·        Grow with a Global Brand: Join a trusted name in cross-border money transfers with a strong presence and reputation across diverse markets.

·        Collaborate for Success: Be part of a high-performing, collaborative team that values innovation, accountability, and shared wins.

·        Develop Your Career: Gain exposure to strategic sales, market development, and cross-functional collaboration, positioning you for future leadership opportunities.

·        Be Recognized: Your contributions to network expansion and market growth will be visible, valued, and celebrated.

Location

This role covers the Tampa, FL area with up to 50% travel

About MoneyGram

MoneyGram International, Inc. is a global financial technology leader, empowering consumers and businesses to send and manage money across over 200 countries and territories. With an industry-leading app and one of the world’s largest cash distribution networks, MoneyGram processes more than $200 billion annually, serving over 50 million people. A pioneer in blockchain technology, the company enables customers to buy, sell, and hold digital currencies, with over 50% of transactions now digital. Headquartered in Dallas, Texas, MoneyGram is celebrated for its strong culture, earning the Top Workplaces USA award three years in a row.

MoneyGram does not sponsor US work authorizations for this job position including H-1B, O-1, and TN. MoneyGram also does not hire F-1’s working on EAD for this position. 

• Flexible Remote First Flexibility 

• Generous PTO 

• 13 Paid Holidays  

• Medical / Dental / Vision Insurance 

• Life, Disability and other benefits 

• 401K with competitive Employer Match 

• Community Service Days 

• Generous parental leave

Anticipated Base Pay: Starting at $85,000+ and participation in our uncapped sales incentive plan. We are open to going significantly higher based on your experience and skill set

Disclaimer: The salary/pay rate listed is a good faith determination that may be offered to a successful applicant for this position at the time of this job advertisement based on the company hiring process and budget for this role and may be modified in the future. Actual compensation may vary from posting based on geographic location, work experience, education and/or skill level.