Continental Finance Company
Buffalo, New York
Job Description Job Description Come join a growing financial technology company that's leading the marketplace in both the marketing and servicing of credit cards! Continental Finance Company specializes in credit card options for those consumers with less than perfect credit. We are seeking a Credit Bureau Reporting Analyst to join our Operations team. The Credit Bureau Reporting Analyst is responsible for conducting thorough investigations into complex financial disputes, including application fraud claims and bankruptcy filings. The ideal candidate will have a strong background in financial investigations, regulatory compliance, and customer dispute resolution. This position requires strong analytical skills, and the ability to navigate nuanced customer situations with fairness and accuracy. Essential Functions: Investigate and resolve disputes involving application fraud claims and bankruptcy filings. Analyze transaction patterns, account activity, and supporting documentation to assess legitimacy of application fraud claims. Submitting Automated Universal Dispute forms ("AUDs") to the credit reporting agencies via e-Oscar when necessary to correct or update information. Communicate with customers and internal teams to gather information and documentation to investigate and resolve complex disputes. Investigate bankruptcy cases via Pacer and other court record systems and ensure proper handling of accounts in compliance with bankruptcy law. Report findings clearly and concisely, documenting all investigative steps, evidence, and final outcomes in system of record. Coordinate with credit reporting agencies (Experian, TransUnion, Equifax) to resolve disputes and complaints when warranted. Coordinate with legal, compliance, and risk teams as needed for escalated or complex cases. Serve as a subject matter expert for escalated credit reporting dispute cases involving application fraud and bankruptcy claims referred by internal departments and third-party vendors. Ensure adherence to regulatory standards and internal SLAs for dispute resolution. The ideal candidate will have the following: Bachelor's degree in business, finance, criminal justice, risk management, or a related field preferred; equivalent combination of education and relevant professional experience will be considered. 1+ years of experience in fraud investigations, credit reporting disputes, consumer disputes, financial services operations, or a related investigative role, preferably within the credit card, banking, lending, or consumer finance industry. Familiarity with credit bureau reporting and dispute processes, including experience with e-OSCAR and Automated Universal Dataforms (AUDs), strongly preferred. Strong investigative and analytical skills, with the ability to evaluate information from multiple sources, identify inconsistencies or patterns, and make sound, well-supported decisions. Demonstrated attention to detail and commitment to accuracy when reviewing account information, court records, customer documentation, and credit reporting data. Ability to interpret and consistently apply established policies, procedures, regulatory requirements, and investigative standards. Why Continental Finance? Continental Finance Company (the "CFC") is one of America's leading marketers and servicers of credit cards for consumers with less-than-perfect credit. Since our founding in 2005, we have prided ourselves on corporate responsibility to customers in terms of a strong customer support program and fair treatment. With our success, we have also grown into an innovative financial tech company! With a state-of-the-art consumer marketing and servicing platform, we provide a variety of services to consumers when other financial institutions will not accommodate them. With more than 2.6 million credit cards managed and serviced since our founding, we pride ourselves on putting the customer first. We are not a chartered banking financial institution, nor are we a debt originator or a credit card issuer. CFC is an equal opportunity employer that is committed to inclusion and diversity. Our company provides equal employment opportunity (EEO) regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or veteran status. CFC is seeking bright, energetic individuals that will help us grow and develop together! We uphold a promise to treat our employees with the same care and concern as we do our customers. We offer all employees competitive compensation and benefits in an exciting, fast-paced business casual environment. Join our growing team and apply online today! CFC offers a hybrid work schedule which includes three (3) core days in the office (Tuesday, Wednesday, and Thursday) and two (2) remote workdays (Monday and Friday)
Job Description Job Description Come join a growing financial technology company that's leading the marketplace in both the marketing and servicing of credit cards! Continental Finance Company specializes in credit card options for those consumers with less than perfect credit. We are seeking a Credit Bureau Reporting Analyst to join our Operations team. The Credit Bureau Reporting Analyst is responsible for conducting thorough investigations into complex financial disputes, including application fraud claims and bankruptcy filings. The ideal candidate will have a strong background in financial investigations, regulatory compliance, and customer dispute resolution. This position requires strong analytical skills, and the ability to navigate nuanced customer situations with fairness and accuracy. Essential Functions: Investigate and resolve disputes involving application fraud claims and bankruptcy filings. Analyze transaction patterns, account activity, and supporting documentation to assess legitimacy of application fraud claims. Submitting Automated Universal Dispute forms ("AUDs") to the credit reporting agencies via e-Oscar when necessary to correct or update information. Communicate with customers and internal teams to gather information and documentation to investigate and resolve complex disputes. Investigate bankruptcy cases via Pacer and other court record systems and ensure proper handling of accounts in compliance with bankruptcy law. Report findings clearly and concisely, documenting all investigative steps, evidence, and final outcomes in system of record. Coordinate with credit reporting agencies (Experian, TransUnion, Equifax) to resolve disputes and complaints when warranted. Coordinate with legal, compliance, and risk teams as needed for escalated or complex cases. Serve as a subject matter expert for escalated credit reporting dispute cases involving application fraud and bankruptcy claims referred by internal departments and third-party vendors. Ensure adherence to regulatory standards and internal SLAs for dispute resolution. The ideal candidate will have the following: Bachelor's degree in business, finance, criminal justice, risk management, or a related field preferred; equivalent combination of education and relevant professional experience will be considered. 1+ years of experience in fraud investigations, credit reporting disputes, consumer disputes, financial services operations, or a related investigative role, preferably within the credit card, banking, lending, or consumer finance industry. Familiarity with credit bureau reporting and dispute processes, including experience with e-OSCAR and Automated Universal Dataforms (AUDs), strongly preferred. Strong investigative and analytical skills, with the ability to evaluate information from multiple sources, identify inconsistencies or patterns, and make sound, well-supported decisions. Demonstrated attention to detail and commitment to accuracy when reviewing account information, court records, customer documentation, and credit reporting data. Ability to interpret and consistently apply established policies, procedures, regulatory requirements, and investigative standards. Why Continental Finance? Continental Finance Company (the "CFC") is one of America's leading marketers and servicers of credit cards for consumers with less-than-perfect credit. Since our founding in 2005, we have prided ourselves on corporate responsibility to customers in terms of a strong customer support program and fair treatment. With our success, we have also grown into an innovative financial tech company! With a state-of-the-art consumer marketing and servicing platform, we provide a variety of services to consumers when other financial institutions will not accommodate them. With more than 2.6 million credit cards managed and serviced since our founding, we pride ourselves on putting the customer first. We are not a chartered banking financial institution, nor are we a debt originator or a credit card issuer. CFC is an equal opportunity employer that is committed to inclusion and diversity. Our company provides equal employment opportunity (EEO) regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or veteran status. CFC is seeking bright, energetic individuals that will help us grow and develop together! We uphold a promise to treat our employees with the same care and concern as we do our customers. We offer all employees competitive compensation and benefits in an exciting, fast-paced business casual environment. Join our growing team and apply online today! CFC offers a hybrid work schedule which includes three (3) core days in the office (Tuesday, Wednesday, and Thursday) and two (2) remote workdays (Monday and Friday)
Nikon Inc
Melville, New York
Job Description Job Description Description: The CFS Credit Analyst is responsible for the ongoing maintenance of the accounts receivable for specified customers as assigned to them by their respective Credit Manager or by the NAI GM of Customer Financial Services. Account maintenance will include the extension of credit within assigned authority, periodic credit reviews, and the timely resolution of account discrepancies and payment delinquency. It is the Credit Analysts' responsibility to adhere to Nikon Americas Inc.'s stated Policies and Procedures as they relate to the ongoing management of its investment in Accounts Receivables. In addition to credit and collections responsibilities, the Credit Analyst will serve as a business partner by analyzing operational and financial data, identifying trends, evaluating business processes, and providing actionable recommendations to improve efficiency, customer experience, and financial performance. The Analyst will collaborate with cross-functional teams including Sales, Finance, Operations, Customer Service, and Information Technology to support strategic initiatives, enhance reporting capabilities, and contribute to continuous business improvement efforts. The Credit Analysts' focus is to be continually placed on sales facilitation, customer satisfaction and continuous process improvement. This is to be achieved at all times with the highest degree of attention to ethical behavior as it relates to dealing with the company's customers, service providers and company personnel. The Analyst needs to be adaptable, flexible and able to collaborate with other employees at different levels within the organization to accomplish common goals. The Analyst must be able to incorporate Nikon's values in their personal work behavior, decision making, contributions and interpersonal interactions. Requirements: Credit Analyst Responsibilities Research, establish and/or review existing credit limits on all assigned customers. Analyze financial statements, credit applications, credit bureau reports, and bank and trade references and conduct thorough research regarding the creditworthiness of assigned customers. Complete on timely basis periodic financial reviews on assigned customers utilizing both internal and external information sources. Providing customer service regarding collection issues, process customer refunds, process and review account adjustments, resolve clients discrepancies and short payments. Responsible for monitoring and maintaining assigned accounts - Customer Calls, small balance write off and account reconciliations. Prepare updated credit reviews including detailed recommendations of appropriate credit lines and risk ratings for assigned customers. Communicate with credit insurance brokers any adverse changes as it relates to customers as defined under Nikon Americas Inc.'s trade credit insurance policies. Facilitate the ongoing collection process of past due balances via e-mail, phone, dunning process and written correspondence as required. Reconcile account balances and facilitate on a timely basis the resolution of any charge back disputes including freight, tax, pricing, returns and advertising. Accurately detail any requests for the writing off of any specific balances. Continuously release customer orders from credit hold when appropriate in order to avoid unnecessary shipping delays to customers. Order release activity may be required during weekend hours if requested. Perform customer visits to review specific financial data or to resolve disputed balances (10% of time.) Some international travel may be required. Business Analysis Responsibilities Analyze credit, collections, sales, customer, and operational data to identify trends, risks, opportunities, and performance improvement initiatives. Develop, maintain, and enhance recurring reports, dashboards, and key performance indicators (KPIs) to support management decision-making. Interpret business requirements and collaborate with stakeholders to recommend process improvements that increase efficiency, reduce risk, and improve customer service levels. Conduct root cause analysis of customer payment issues, order holds, disputed deductions, and operational inefficiencies and recommend corrective actions. Partner with Sales, Finance, Operations, Customer Service, and IT teams to support system enhancements, workflow optimization initiatives, and business process redesign efforts. Prepare analytical presentations and executive summaries highlighting key findings, trends, and recommendations for senior leadership. Assist in the evaluation, testing, and implementation of new business processes, reporting tools, and system enhancements, including SAP S/4 HANA and other financial systems. Monitor departmental performance metrics and provide recommendations to improve accounts receivable turnover, dispute resolution timelines, and collection effectiveness. Document business processes, workflow requirements, and standard operating procedures to support operational consistency and continuous improvement efforts. Support strategic projects by gathering data, conducting financial and operational analyses, and presenting findings to management. ANCILLARY RESPONSIBILITIES Work outside of normal business hours of operation, as required in order to fulfill essential functions and responsibilities. Provide customer invoice copies, credit copies and proof of delivery documentation. Perform administrative work including filing and typing as needed. Obtain remittance advice for payments received which do not have a remittance included. Complete monthly trade group report as required. Communicate with customers and Nikon Sales account managers regarding orders holding due to credit restrictions or delinquent payments. Drive continuous transformation, improvement/changes processes to increase operational productivity All other duties as required or assigned by their respective Credit Manager or the General Manager of Customer Financial Services. Participate in internal audit reviews as required. Assist in the bad-debt reserve analysis and write-off process. Continuous process improvement Lead or work on projects assigned by GM or President KNOWLEDGE, SKILLS & ABILITIES: 3-5 years' experience in Business-to-Business credit and collections environment required. BA / BS in Business or Finance preferred. Bi-Lingual (English/Spanish, written and oral) skills are preferred. Strong Word, Excel, PowerPoint, MS Outlook skills required. SAP S/4 HANA Experience Preferred. Experience in dealing with retail, wholesale, ecommerce businesses, University and Hospital preferred. Experience dealing with international customers preferred. Strong working knowledge of internet applications. Strong communication and negotiation skills both oral and written. (Invoice collection phone skills mandatory.) Strong analytical and problem-solving skills with the ability to transform data into actionable business recommendations. Experience developing reports, dashboards, KPIs, and management metrics using Excel and business intelligence tools. Ability to gather business requirements, analyze processes, and recommend operational improvements. Experience with data visualization and reporting platforms such as Power BI, Power Query, Tableau, or similar tools preferred. Strong time management and work prioritization skills. Sound research, analysis and reconciliation skills. Proficient in analyzing customer financial statements. Ability to interact effectively with customers and colleagues at all levels Fundamental knowledge of Credit & Collections Principles & Practices Letter of credit and other export credit security and knowledge (when applicable) Ability to work outside of regularly scheduled work hours as needed Ability to develop constructive and cooperative working relationships with others and maintain them over time. Ability to tell when something is wrong or is likely to go wrong. Reasonable accommodations may be made to enable individuals to successfully perform the essential function of the position.
Job Description Job Description Description: The CFS Credit Analyst is responsible for the ongoing maintenance of the accounts receivable for specified customers as assigned to them by their respective Credit Manager or by the NAI GM of Customer Financial Services. Account maintenance will include the extension of credit within assigned authority, periodic credit reviews, and the timely resolution of account discrepancies and payment delinquency. It is the Credit Analysts' responsibility to adhere to Nikon Americas Inc.'s stated Policies and Procedures as they relate to the ongoing management of its investment in Accounts Receivables. In addition to credit and collections responsibilities, the Credit Analyst will serve as a business partner by analyzing operational and financial data, identifying trends, evaluating business processes, and providing actionable recommendations to improve efficiency, customer experience, and financial performance. The Analyst will collaborate with cross-functional teams including Sales, Finance, Operations, Customer Service, and Information Technology to support strategic initiatives, enhance reporting capabilities, and contribute to continuous business improvement efforts. The Credit Analysts' focus is to be continually placed on sales facilitation, customer satisfaction and continuous process improvement. This is to be achieved at all times with the highest degree of attention to ethical behavior as it relates to dealing with the company's customers, service providers and company personnel. The Analyst needs to be adaptable, flexible and able to collaborate with other employees at different levels within the organization to accomplish common goals. The Analyst must be able to incorporate Nikon's values in their personal work behavior, decision making, contributions and interpersonal interactions. Requirements: Credit Analyst Responsibilities Research, establish and/or review existing credit limits on all assigned customers. Analyze financial statements, credit applications, credit bureau reports, and bank and trade references and conduct thorough research regarding the creditworthiness of assigned customers. Complete on timely basis periodic financial reviews on assigned customers utilizing both internal and external information sources. Providing customer service regarding collection issues, process customer refunds, process and review account adjustments, resolve clients discrepancies and short payments. Responsible for monitoring and maintaining assigned accounts - Customer Calls, small balance write off and account reconciliations. Prepare updated credit reviews including detailed recommendations of appropriate credit lines and risk ratings for assigned customers. Communicate with credit insurance brokers any adverse changes as it relates to customers as defined under Nikon Americas Inc.'s trade credit insurance policies. Facilitate the ongoing collection process of past due balances via e-mail, phone, dunning process and written correspondence as required. Reconcile account balances and facilitate on a timely basis the resolution of any charge back disputes including freight, tax, pricing, returns and advertising. Accurately detail any requests for the writing off of any specific balances. Continuously release customer orders from credit hold when appropriate in order to avoid unnecessary shipping delays to customers. Order release activity may be required during weekend hours if requested. Perform customer visits to review specific financial data or to resolve disputed balances (10% of time.) Some international travel may be required. Business Analysis Responsibilities Analyze credit, collections, sales, customer, and operational data to identify trends, risks, opportunities, and performance improvement initiatives. Develop, maintain, and enhance recurring reports, dashboards, and key performance indicators (KPIs) to support management decision-making. Interpret business requirements and collaborate with stakeholders to recommend process improvements that increase efficiency, reduce risk, and improve customer service levels. Conduct root cause analysis of customer payment issues, order holds, disputed deductions, and operational inefficiencies and recommend corrective actions. Partner with Sales, Finance, Operations, Customer Service, and IT teams to support system enhancements, workflow optimization initiatives, and business process redesign efforts. Prepare analytical presentations and executive summaries highlighting key findings, trends, and recommendations for senior leadership. Assist in the evaluation, testing, and implementation of new business processes, reporting tools, and system enhancements, including SAP S/4 HANA and other financial systems. Monitor departmental performance metrics and provide recommendations to improve accounts receivable turnover, dispute resolution timelines, and collection effectiveness. Document business processes, workflow requirements, and standard operating procedures to support operational consistency and continuous improvement efforts. Support strategic projects by gathering data, conducting financial and operational analyses, and presenting findings to management. ANCILLARY RESPONSIBILITIES Work outside of normal business hours of operation, as required in order to fulfill essential functions and responsibilities. Provide customer invoice copies, credit copies and proof of delivery documentation. Perform administrative work including filing and typing as needed. Obtain remittance advice for payments received which do not have a remittance included. Complete monthly trade group report as required. Communicate with customers and Nikon Sales account managers regarding orders holding due to credit restrictions or delinquent payments. Drive continuous transformation, improvement/changes processes to increase operational productivity All other duties as required or assigned by their respective Credit Manager or the General Manager of Customer Financial Services. Participate in internal audit reviews as required. Assist in the bad-debt reserve analysis and write-off process. Continuous process improvement Lead or work on projects assigned by GM or President KNOWLEDGE, SKILLS & ABILITIES: 3-5 years' experience in Business-to-Business credit and collections environment required. BA / BS in Business or Finance preferred. Bi-Lingual (English/Spanish, written and oral) skills are preferred. Strong Word, Excel, PowerPoint, MS Outlook skills required. SAP S/4 HANA Experience Preferred. Experience in dealing with retail, wholesale, ecommerce businesses, University and Hospital preferred. Experience dealing with international customers preferred. Strong working knowledge of internet applications. Strong communication and negotiation skills both oral and written. (Invoice collection phone skills mandatory.) Strong analytical and problem-solving skills with the ability to transform data into actionable business recommendations. Experience developing reports, dashboards, KPIs, and management metrics using Excel and business intelligence tools. Ability to gather business requirements, analyze processes, and recommend operational improvements. Experience with data visualization and reporting platforms such as Power BI, Power Query, Tableau, or similar tools preferred. Strong time management and work prioritization skills. Sound research, analysis and reconciliation skills. Proficient in analyzing customer financial statements. Ability to interact effectively with customers and colleagues at all levels Fundamental knowledge of Credit & Collections Principles & Practices Letter of credit and other export credit security and knowledge (when applicable) Ability to work outside of regularly scheduled work hours as needed Ability to develop constructive and cooperative working relationships with others and maintain them over time. Ability to tell when something is wrong or is likely to go wrong. Reasonable accommodations may be made to enable individuals to successfully perform the essential function of the position.
Castellum Inc
Patuxent River, Maryland
Job Description Job Description Job Summary GTMR, Inc has an opening for an Acquisition Analyst, Sr. supporting the government client in Patuxent River, MD. The qualified candidate will provide direct support to the SIGINT IPT Leads by coordinating across other Level I and II IPTs, USN Fleet and CPP to ensure alignment of SIGINT objectives as it relates to contract management for the Development, Production and Sustainment of SIGINT HW/SW capabilities. Responsibilities Execute all aspects related to the SIGINT Contract Management. This includes conducting in-depth analysis of procurement needs, developing acquisition strategies, and monitoring contract execution in compliance with regulations, working closely with program personnel and contracting officers throughout the procurement process. Support requirements planning and execution across the SIGINT portfolio. This involves contract management of the 9 different OEMs and 12 other government activities (GSA, NIWC, NSA, NSWC Crane, Wallops, PMA-290, NAWCAD, NSMA, NAVSEA, NAVSUP, DLA, NUWC). Key responsibilities include: Conduct market research with potential vendors, analyzing market trends, and determining the best approach to acquire required goods or services. Perform acquisition planning by developing detailed procurement plans, including statements of work, milestones, and budget estimates. Assist with proposal evaluations by reviewing vendor proposals, assessing technical capabilities, cost analysis, and identifying potential risks. Assist with contract negotiations by assisting CORs and contracting officers in negotiating contract terms and conditions with vendors. Assist with contract administration by monitoring contract performance, managing change orders, and resolving contract disputes. Assist with compliance oversight by ensuring adherence to government procurement regulations and policies. Assist with cost analysis by evaluating vendor pricing and identifying cost-saving opportunities. Data analysis: Utilizing data to identify trends and inform acquisition decisions. Stakeholder coordination: Communicating with program managers, legal counsel, and other internal stakeholders to ensure alignment on acquisition strategies. Required Experience: 10 years of experience performing work related to the labor category functional description and a MA/MS degree in a relevant subject or discipline for the positions At least 3 years of the 10 years of experience must be within the last 5 years. Supports the development of program acquisition documentation such as Acquisition Plans (AP), Acquisition Strategy Reports (ASR), Procurement Initiation Document (PID), Statement of Work (SOW), funding documents, Contract Data Requirements Lists (CDRLs), and Acquisition Program Baseline Agreements (APBA) Assess program procedures, practices, philosophies, and documentation for compliance with specifications, contracts, and mission requirements. Attends, participates, supports, analyzes, provides input, develops, prepares and reports on briefs, point papers, reports, correspondence, meetings, conferences, and review boards. Active TS Clearance Required Education: Business or Business Discipline. MA/MS any of the following specific subjects, disciplines, or areas of work experience only Business Administration, Business Management, Project Management, Economics, Finance, Accounting, Data Analytics / Management, or related derivative degrees. Substitution: OR Holds a bachelor's degree in a relevant subject or discipline for the position and has at least 15 years of experience performing work related to the labor category functional descriptions At least 3 years of the 15 years of experience must be within the last 5 years.
Job Description Job Description Job Summary GTMR, Inc has an opening for an Acquisition Analyst, Sr. supporting the government client in Patuxent River, MD. The qualified candidate will provide direct support to the SIGINT IPT Leads by coordinating across other Level I and II IPTs, USN Fleet and CPP to ensure alignment of SIGINT objectives as it relates to contract management for the Development, Production and Sustainment of SIGINT HW/SW capabilities. Responsibilities Execute all aspects related to the SIGINT Contract Management. This includes conducting in-depth analysis of procurement needs, developing acquisition strategies, and monitoring contract execution in compliance with regulations, working closely with program personnel and contracting officers throughout the procurement process. Support requirements planning and execution across the SIGINT portfolio. This involves contract management of the 9 different OEMs and 12 other government activities (GSA, NIWC, NSA, NSWC Crane, Wallops, PMA-290, NAWCAD, NSMA, NAVSEA, NAVSUP, DLA, NUWC). Key responsibilities include: Conduct market research with potential vendors, analyzing market trends, and determining the best approach to acquire required goods or services. Perform acquisition planning by developing detailed procurement plans, including statements of work, milestones, and budget estimates. Assist with proposal evaluations by reviewing vendor proposals, assessing technical capabilities, cost analysis, and identifying potential risks. Assist with contract negotiations by assisting CORs and contracting officers in negotiating contract terms and conditions with vendors. Assist with contract administration by monitoring contract performance, managing change orders, and resolving contract disputes. Assist with compliance oversight by ensuring adherence to government procurement regulations and policies. Assist with cost analysis by evaluating vendor pricing and identifying cost-saving opportunities. Data analysis: Utilizing data to identify trends and inform acquisition decisions. Stakeholder coordination: Communicating with program managers, legal counsel, and other internal stakeholders to ensure alignment on acquisition strategies. Required Experience: 10 years of experience performing work related to the labor category functional description and a MA/MS degree in a relevant subject or discipline for the positions At least 3 years of the 10 years of experience must be within the last 5 years. Supports the development of program acquisition documentation such as Acquisition Plans (AP), Acquisition Strategy Reports (ASR), Procurement Initiation Document (PID), Statement of Work (SOW), funding documents, Contract Data Requirements Lists (CDRLs), and Acquisition Program Baseline Agreements (APBA) Assess program procedures, practices, philosophies, and documentation for compliance with specifications, contracts, and mission requirements. Attends, participates, supports, analyzes, provides input, develops, prepares and reports on briefs, point papers, reports, correspondence, meetings, conferences, and review boards. Active TS Clearance Required Education: Business or Business Discipline. MA/MS any of the following specific subjects, disciplines, or areas of work experience only Business Administration, Business Management, Project Management, Economics, Finance, Accounting, Data Analytics / Management, or related derivative degrees. Substitution: OR Holds a bachelor's degree in a relevant subject or discipline for the position and has at least 15 years of experience performing work related to the labor category functional descriptions At least 3 years of the 15 years of experience must be within the last 5 years.