Cincinnati OH

Associate

Qualified

Life

Health

Reserving

Reporting

Reinsurance

Risk

Modelling

Prophet

Coding

Pricing

Capital

Excel

Actuary - Claims ReservingCompany: American Modern Insurance GroupLocation: Cincinnati, United StatesTitle: Associate ActuaryLocation: Current schedule is hybrid (40-50% in the Amelia, Ohio office)Applicants requiring employer sponsorship of a visa will not be considered for this position.American Modern is a widely recognized national leader in the specialty insurance business. With more than 50 years of experience in the manufactured housing insurance sector, the company delivers specialized products and services for residential property, the recreational market, and pet health insurance.We are looking for a credentialed actuary to join our organization as a Claims Actuary working in tandem with the Reserving and Claims teams to enhance the business’ ability to achieve profitable growth. The Claims Actuary will be an integrated business partner of the Claims department and will provide an analytically focused view of claims, claim characteristics, and performance in the financial aspect of claims.Roles & Responsibilities:<ul><li>Analyses of frequency and severity trends and drivers</li><li>Identify opportunity areas regarding claims performance</li><li>Monitor loss adjustment expenses and look for ways to optimize expense</li><li>Validate initial case reserving methodology and values</li><li>Monitor case reserve adequacy and trends</li><li>Collaborate on Catastrophe bulk reserve establishment</li><li>Measure and forecast the benefits of claims initiatives</li><li>Facilitate interdepartmental discussions on claim observations and initiatives</li><li>Lead in the development of new or enhancements to claims reporting</li><li>Interact regularly with Claims, Product Management, Actuarial Pricing, Reserving, and Finance</li><li>Further opportunities exist to enhance and develop business acumen by working and interacting with associates from Underwriting, IT, and other Actuaries in the Munich Re organization</li></ul>Qualifications:Required:<ul><li>Demonstrated commitment and continued pursuit of FCAS designation</li><li>5+ years of experience in an actuarial capacity in Property Casualty Insurance</li><li>Bachelor’s degree in Actuarial Science, Mathematics, Statistics, or similar background requiring quantitative analysis</li><li>Strong analytical abilities including understanding of advanced mathematics and statistical concepts</li><li>Demonstrated ability to think logically and perform analysis in a timely manner</li><li>Demonstrated superior level of written and oral communication skills</li><li>Demonstrated ability to interact effectively with areas of the company outside Actuarial</li><li>Strong command of Excel and either Access or P/L SQL</li><li>Some knowledge of programming in Visual Basic for Applications (VBA)</li></ul>Preferred:<ul><li>ACAS or FCAS</li><li>Experience working with Predictive Modeling</li><li>Some management experience</li></ul>We are proud to offer our employees, their domestic partners, and their children a wide range of insurance benefits:<ul><li>Two options for your health insurance plan (PPO or High Deductible)</li><li>Prescription drug coverage (included in your health insurance plan)</li><li>Vision and dental insurance plans</li><li>Short and Long Term Disability coverage</li><li>Supplemental Life and AD&D plans that you can purchase for yourself and dependents</li><li>Voluntary Benefit plans that supplement your health and life insurance plans</li></ul>In addition to the above insurance offerings, our employees also enjoy:<ul><li>A robust 401k plan with up to a 5% employer match</li><li>A retirement savings plan that is 100% company funded</li><li>Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries</li><li>Eligibility to receive a yearly bonus as a Munich Re employee</li><li>A variety of health and wellness programs provided at no cost</li><li>A hybrid environment that gives you a choice in where and how you get work done</li><li>A corporately subsidized on-site cafeteria as well as a coffee shop</li><li>An on-site complimentary workout facility as well as walking trails on campus grounds</li><li>On-site wellness center complete with nurse practitioner</li><li>Financial assistance for adoptions and infertility treatment</li><li>Paid time off for eligible family care needs</li><li>Tuition assistance and educational achievement bonuses</li><li>Free parking</li><li>A corporate matching gifts program that further enhances your charitable donation</li><li>Paid time off to volunteer in your community</li></ul>At American Modern, a subsidiary of Munich Re, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the customers we serve and the communities in which we live and work.We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Associate Actuary (Remote or Hybrid)Company: American Modern Insurance GroupLocation: Cincinnati, United StatesGrow Your Career as an Associate Actuary: Take on new challenges with American Modern Insurance.Purpose:Manage/direct the development, analysis, evaluation, and modeling of potential solutions using actuarial and/or predictive modeling methods and processes to support the financial profitability and/or production goals of the company by acting as a high-level technical expert.Work with management and corporate areas to provide strategic direction. Lead projects associated with the development and update of actuarial/predictive models and databases through formula development, research on methodologies, and collaboration on technical items.Roles & Responsibilities:<ul><li>Complete actuarial and/or predictive modeling analyses appropriate for the functional area. May include rate filings, ultimate loss projections, pricing studies, risk capital modeling, portfolio analysis, and research projects. Lead projects/analysis requiring multiple resources including those who are not direct reports.</li><li>Direct the modification and enhancement of existing applications to address specific issues. Coordinate and help focus and prioritize the use of actuarial and/or predictive modeling resources for tasks that are assigned.</li><li>Direct the completion of required data preparation including data input. Identify complex data & operational issues requiring specialized actuarial attention and take action to address them.</li><li>Manage and/or lead communication, documentation, and coordination of information, resolution of technical issues, and activities between actuarial departments, as well as with internal & external colleagues.</li><li>Lead in the development of new methodologies, products, and procedures for American Modern. Maintain current knowledge of trends and products in the (re)insurance industries.</li><li>Peer review technical actuarial and/or predictive modeling work and provide constructive feedback as needed. Coach less experienced employees as needed.</li><li>Participate or lead in the training of others (underwriters, product analysts, accountants, actuaries, claims associates) on the use of models/studies/reviews and the interpretation of the results.</li><li>Manage the work for those who are not direct reports including other actuaries, predictive modelers, programmers, and support staff as needed.</li><li>Prepare for and pass actuarial exams. Attain appropriate continuing education according to the US Qualification Standard issued by the American Academy of Actuaries.</li><li>Ensure all work and work products adhere to applicable Actuarial Standards of Practice as promulgated by the American Academy of Actuaries.</li><li>Maintain an expert level of technical actuarial and statistical skills and concepts. Adapt to varying and changing sets of products and dynamics and provide the most efficient and effective methods appropriate for the functional area.</li><li>Demonstrate ability to apply judgment and problem-solving skills to address different, complex, and high-profile issues.</li></ul>Required Technical Skills:Proficient computer skills and application of MS Office Suite, including actuarial software used for reserving, ratemaking, pricing, modeling stochastic distributions, or data analysis as appropriate.Skills / Knowledge / Experience:Generally, six (6) or more years of (re)insurance/actuarial experience is required to possess the ability to manage/direct the development, analysis, evaluation, and modeling of potential solutions using actuarial and/or predictive modeling methods and processes.Pricing experience preferred.Education, Certifications & Designations:<ul><li>Bachelor’s Degree in Mathematics, Actuarial Science, Economics, Finance, Statistics, or related Field requiring modeling, programming, or quantitative analysis.</li><li>Membership in the Casualty Actuarial Society with the attainment of Associateship (ACAS).</li><li>Membership in the American Academy of Actuaries (MAAA).</li></ul>We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits:<ul><li>Two options for your health insurance plan (PPO or High Deductible).</li><li>Prescription drug coverage (included in your health insurance plan).</li><li>Vision and dental insurance plans.</li><li>Short and Long Term Disability coverage.</li><li>Supplemental Life and AD&D plans that you can purchase for yourself and dependents.</li><li>Voluntary Benefit plans that supplement your health and life insurance plans.</li></ul>In addition to the above insurance offerings, our employees also enjoy:<ul><li>A robust 401k plan with up to a 5% employer match.</li><li>A retirement savings plan that is 100% company funded.</li><li>Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries.</li><li>Eligibility to receive a yearly bonus.</li><li>A variety of health and wellness programs provided at no cost.</li><li>A hybrid environment that gives you a choice in where and how you get work done.</li><li>A corporately subsidized on-site cafeteria.</li><li>An on-site complimentary workout facility as well as walking trails on campus grounds.</li><li>On-site wellness center complete with nurse practitioner.</li><li>Financial assistance for adoptions and infertility treatment.</li><li>Paid time off for eligible family care needs.</li><li>Tuition assistance and educational achievement bonuses.</li><li>Free parking.</li><li>A corporate matching gifts program that enhances your charitable donation.</li><li>Paid time off to volunteer in your community.</li></ul>At American Modern, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the customers we serve and the communities in which we live and work.We strive to provide a workplace where all of our colleagues feel respected, valued, and empowered to achieve their very best every day. We recruit and develop talent with a focus on providing our customers the most innovative products and services.We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Associate ActuaryCompany: American Modern Insurance GroupLocation: Cincinnati, United StatesThere is an exciting opportunity to join our team as an Associate Actuary.Title: Associate ActuaryLocation: Current schedule is hybrid (40-50% in the Amelia, Ohio office).Recruiter: Sonya FischesserExempt position.Applicants requiring employer sponsorship of a visa will not be considered for this position.American Modern Insurance Group, Inc., a Munich Re company, is a widely recognized specialty insurance leader that delivers products and services for residential property and the recreational market. We provide specialty product solutions that cover what the competition often can’t. We write admitted products in all 50 states and have a premium volume of $1.9 billion.Headquartered in Amelia, Ohio, we are part of Munich Re’s Global Specialty Insurance division. Our employees receive boundless opportunity to grow their careers and make a difference every day in a flexible environment.Purpose:Manage and direct the development, analysis, evaluation, and modeling of potential solutions using actuarial and/or predictive modeling methods to support the financial profitability and production goals of the company.Act as a high-level technical expert and work with management to provide strategic direction. Lead projects associated with the development and update of actuarial and predictive models and databases.Roles & Responsibilities:<ul><li>Complete actuarial and predictive modeling analyses appropriate for the functional area, including rate filings, ultimate loss projections, pricing studies, and portfolio analysis.</li><li>Direct the modification and enhancement of existing applications to address specific issues.</li><li>Coordinate and prioritize the use of actuarial and predictive modeling resources for assigned tasks.</li><li>Manage and lead communication, documentation, and coordination of information between actuarial departments and internal/external colleagues.</li><li>Lead in the development of new methodologies, products, and procedures for American Modern.</li><li>Peer review technical actuarial and predictive modeling work and provide constructive feedback.</li><li>Participate or lead in the training of others on the use of models and interpretation of results.</li><li>Manage the work for those who are not direct reports, including other actuaries and support staff.</li><li>Prepare for and pass actuarial exams and attain continuing education according to the US Qualification Standard.</li><li>Ensure all work adheres to applicable Actuarial Standards of Practice.</li><li>Maintain an expert level of technical actuarial and statistical skills.</li><li>Demonstrate ability to apply judgment and problem-solving skills to complex issues.</li></ul>Required Technical Skills:Proficient computer skills and application of MS Office Suite, including actuarial software used for reserving, ratemaking, pricing, and data analysis.Skills / Knowledge / Experience:Generally, six or more years of (re)insurance/actuarial experience is required.Pricing experience preferred.Education, Certifications & Designations:<ul><li>Bachelor’s Degree in Mathematics, Actuarial Science, Economics, Finance, Statistics, or related field.</li><li>Membership in the Casualty Actuarial Society with the attainment of Associateship (ACAS).</li><li>Membership in the American Academy of Actuaries (MAAA).</li></ul>We are proud to offer our employees a wide range of insurance benefits:<ul><li>Two options for your health insurance plan (PPO or High Deductible).</li><li>Prescription drug coverage included in your health insurance plan.</li><li>Vision and dental insurance plans.</li><li>Short and Long Term Disability coverage.</li><li>Supplemental Life and AD&D plans available for purchase.</li><li>Voluntary Benefit plans that supplement your health and life insurance plans.</li></ul>In addition to the above insurance offerings, our employees also enjoy:<ul><li>A robust 401k plan with up to a 5% employer match.</li><li>A retirement savings plan that is 100% company funded.</li><li>Paid time off that begins with 24 days each year.</li><li>Eligibility to receive a yearly bonus as a Munich Re employee.</li><li>A variety of health and wellness programs provided at no cost.</li><li>A hybrid environment that gives you a choice in where and how you work.</li><li>An on-site complimentary workout facility and walking trails.</li><li>Financial assistance for adoptions and infertility treatment.</li><li>Paid time off for eligible family care needs.</li><li>Tuition assistance and educational achievement bonuses.</li><li>Free parking.</li><li>A corporate matching gifts program.</li><li>Paid time off to volunteer in your community.</li></ul>At American Modern, a subsidiary of Munich Re, we see Diversity and Inclusion as a solution to the challenges and opportunities around us. Our goal is to foster an inclusive culture and build a workforce that reflects the customers we serve.We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Claims ActuaryCompany: American Modern Insurance GroupLocation: Cincinnati, United StatesTitle: Claims ActuaryLocation: Current schedule is hybrid (40-50% in the Amelia, Ohio office)Applicants requiring employer sponsorship of a visa will not be considered for this position.American Modern is a widely recognized national leader in the specialty insurance business. With more than 50 years of experience in the manufactured housing insurance sector, the company delivers specialized products and services for residential property, the recreational market, and pet health insurance. The company is headquartered in suburban Cincinnati, Ohio.We are looking for a credentialed actuary to join our organization as a Claims Actuary, working in tandem with the Reserving and Claims teams to enhance the business’ ability to achieve profitable growth. The Claims Actuary will be an integrated business partner of the Claims department and will provide an analytically focused view of claims, claim characteristics, and performance in the financial aspect of claims.Roles & Responsibilities:<ul><li>Analyses of frequency and severity trends and drivers</li><li>Identify opportunity areas regarding claims performance</li><li>Monitor loss adjustment expenses and look for ways to optimize expense</li><li>Validate initial case reserving methodology and values</li><li>Monitor case reserve adequacy and trends</li><li>Collaborate on Catastrophe bulk reserve establishment</li><li>Measure and forecast the benefits of claims initiatives</li><li>Facilitate interdepartmental discussions on claim observations and initiatives</li><li>Lead in the development of new or enhancements to claims reporting</li><li>Interact regularly with Claims, Product Management, Actuarial Pricing, Reserving, and Finance</li><li>Further opportunities exist to enhance and develop business acumen by working and interacting with associates from Underwriting, IT, and other Actuaries in the Munich Re organization.</li></ul>Qualifications:Required:<ul><li>Demonstrated commitment and continued pursuit of FCAS designation</li><li>5+ years of experience in an actuarial capacity in Property Casualty Insurance</li><li>Bachelor’s degree in Actuarial Science, Mathematics, Statistics, or similar background requiring quantitative analysis</li><li>Strong analytical abilities including understanding of advanced mathematics and statistical concepts</li><li>Demonstrated ability to think logically and perform analysis in a timely manner</li><li>Demonstrated superior level of written and oral communication skills</li><li>Demonstrated ability to interact effectively with areas of the company outside Actuarial</li><li>Strong command of Excel and either Access or P/L SQL</li><li>Some knowledge of programming in Visual Basic for Applications (VBA)</li></ul>Preferred:<ul><li>ACAS or FCAS</li><li>Experience working with Predictive Modeling</li><li>Some management experience</li></ul>We are proud to offer our employees, their domestic partners, and their children a wide range of insurance benefits:<ul><li>Two options for your health insurance plan (PPO or High Deductible)</li><li>Prescription drug coverage (included in your health insurance plan)</li><li>Vision and dental insurance plans</li><li>Short and Long Term Disability coverage</li><li>Supplemental Life and AD&D plans that you can purchase for yourself and dependents</li><li>Voluntary Benefit plans that supplement your health and life insurance plans</li></ul>In addition to the above insurance offerings, our employees also enjoy:<ul><li>A robust 401k plan with up to a 5% employer match</li><li>A retirement savings plan that is 100% company funded</li><li>Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries</li><li>Eligibility to receive a yearly bonus as a Munich Re employee</li><li>A variety of health and wellness programs provided at no cost</li><li>A hybrid environment that gives you a choice in where and how you get work done</li><li>A corporately subsidized on-site cafeteria as well as a coffee shop</li><li>An on-site complimentary workout facility as well as walking trails on campus grounds</li><li>On-site wellness center complete with nurse practitioner</li><li>Financial assistance for adoptions and infertility treatment</li><li>Paid time off for eligible family care needs</li><li>Tuition assistance and educational achievement bonuses</li><li>Free parking</li><li>A corporate matching gifts program that further enhances your charitable donation</li><li>Paid time off to volunteer in your community</li></ul>At American Modern, a subsidiary of Munich Re, we see Diversity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the customers we serve and the communities in which we live and work.We strive to provide a workplace where all of our colleagues feel respected, valued, and empowered to achieve their very best every day. We recruit and develop talent with a focus on providing our customers the most innovative products and services.We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

DescriptionAs a leading provider of annuities, MassMutual Ascend is committed to taking financial futures above and beyond. This means offering innovative products that fit our customers' unique needs - whether it's protecting their hard-earned savings, receiving guaranteed income, or providing for loved ones. MassMutual Ascend is proud to offer customers a level of strength and stability they can count on for years to come.The OpportunityAs an Actuarial Associate in the ALM and Capital Modeling group, you will lead model development projects to improve the efficiency, accuracy, and effectiveness of our capital and ALM models. You will collaborate with team members to improve our understanding of ALM and solvency results to help educate senior management and guide business decisions.Job Responsibilities<ul><li>Research issues within our CFT and ALM models and help validate calculations.</li><li>Develop model solutions that increase the efficiency and accuracy of model calculations.</li><li>Provide guidance and training to develop understanding of our models within and outside of the functional area.</li><li>Perform other duties as assigned.</li></ul>Desired CompetenciesBusiness Acumen<ul><li>Works on assignments of higher technical complexity.</li><li>Works to identify and resolve problems independently.</li><li>Reactive to change and is proactive in developing and recommending new strategies and ideas.</li></ul>Influence<ul><li>Help create a positive work environment.</li><li>Pursues engagement with people who think differently with an open mind.</li><li>Provides support to others as needed.</li></ul>Critical Thinking<ul><li>Ask questions and independently gather relevant information to answer them.</li><li>Applies knowledge to problem solving.</li></ul>Development<ul><li>Engages in professional development for self and others.</li><li>Increases understanding and knowledge of current work and how it affects others within and outside of the company.</li></ul>Communication<ul><li>Connect with the audience when speaking, always respectfully.</li><li>Pursues engagement with people who think differently with an open mind.</li></ul>Ownership<ul><li>Performs work under minimal supervision.</li><li>Meets commitments and accepts responsibility for work product without excuses.</li></ul>Minimum Qualifications<ul><li>Associate of the Society of Actuaries (ASA), or equivalent professional credential from a recognized professional actuarial association.</li><li>4+ years of overall actuarial experience.</li><li>2+ years of modeling in actuarial projection software.</li></ul>Ideal Qualifications<ul><li>Knowledge of Prophet Software.</li><li>Prior experience with Traditional Fixed and Index-Linked Deferred Annuities.</li><li>Experience with Cash Flow Projection Modeling.</li></ul>What to Expect<ul><li>Focused one-on-one meetings with your manager.</li><li>Ongoing opportunities for development and learning.</li><li>Working in a fast-paced environment with available flexible work schedules.</li><li>A place to grow your career in a culture that inspires, rewards, and develops employees.</li><li>Small company feel with a focus on meeting customer's needs today and also well into the future.</li></ul>Why Join UsAt MassMutual Ascend, our collaborative culture is key to our success. It's the reason we're a leading provider of annuities today, and it's the reason we'll continue rising to the top tomorrow. A career at MassMutual Ascend means you'll contribute to our mission of taking financial futures above and beyond - and you'll be inspired to reach your own goals, too.As a wholly owned subsidiary of MassMutual, MassMutual Ascend continues to be an employer of choice in the Cincinnati, Ohio community.MassMutual Ascend Life Insurance Company is an Equal Employment Opportunity employer. We welcome all persons to apply. Note: Veterans are welcome to apply, regardless of their discharge status.At MassMutual Ascend, we focus on ensuring fair, equitable pay by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component.

Associate ActuaryCompany: American Modern Insurance GroupLocation: Cincinnati, United StatesExciting opportunity to join our team as an Associate Actuary.Location: current schedule is hybrid (40-50% in the Amelia, Ohio office).American Modern Insurance Group, Inc., a Munich Re company, is a recognized specialty insurance leader that delivers products and services for residential property and the recreational market. We provide specialty product solutions that cover what the competition often can’t. We write admitted products in all 50 states and have a premium volume of $1.9 billion.Headquartered in Amelia, Ohio, we are part of Munich Re’s Global Specialty Insurance division. Our employees receive boundless opportunity to grow their careers and make a difference every day in a flexible environment.Purpose:Manage/direct the development, analysis, evaluation, and modeling of potential solutions using actuarial and/or predictive modeling methods to support the financial profitability and production goals of the company. Act as a high-level technical expert and work with management to provide strategic direction.Lead projects associated with the development and update of actuarial/predictive models and databases through formula development, research on methodologies, and collaboration on technical items.Roles & Responsibilities:<ul><li>Complete actuarial and/or predictive modeling analyses appropriate for the functional area, including rate filings, ultimate loss projections, pricing studies, and portfolio analysis.</li><li>Direct the modification and enhancement of existing applications to address specific issues.</li><li>Manage and lead communication, documentation, and coordination of information between actuarial departments and internal/external colleagues.</li><li>Lead in the development of new methodologies, products, and procedures for American Modern.</li><li>Peer review technical actuarial and/or predictive modeling work and provide constructive feedback.</li><li>Participate or lead in the training of others on the use of models and the interpretation of results.</li><li>Prepare for and pass actuarial exams and attain appropriate continuing education.</li><li>Ensure all work adheres to applicable Actuarial Standards of Practice.</li><li>Maintain an expert level of technical actuarial and statistical skills.</li><li>Demonstrate ability to apply judgment and problem-solving skills to address complex issues.</li></ul>Required Technical Skills:Proficient computer skills and application of MS Office Suite, including actuarial software used for reserving, ratemaking, pricing, and data analysis.Skills / Knowledge / Experience:Generally, six (6) or more years of (re)insurance/actuarial experience is required.Pricing experience preferred.Education, Certifications & Designations:<ul><li>Bachelor’s Degree in Mathematics, Actuarial Science, Economics, Finance, Statistics, or related field.</li><li>Membership in the Casualty Actuarial Society with the attainment of Associateship (ACAS).</li><li>Membership in the American Academy of Actuaries (MAAA).</li></ul>Benefits:<ul><li>Two options for health insurance (PPO or High Deductible).</li><li>Prescription drug coverage.</li><li>Vision and dental insurance plans.</li><li>Short and Long Term Disability coverage.</li><li>Supplemental Life and AD&D plans.</li><li>Voluntary Benefit plans that supplement health and life insurance.</li><li>A robust 401k plan with up to a 5% employer match.</li><li>Paid time off that begins with 24 days each year.</li><li>Eligibility to receive a yearly bonus.</li><li>A variety of health and wellness programs provided at no cost.</li><li>A hybrid environment that gives you a choice in where and how you work.</li><li>An on-site complimentary workout facility and walking trails.</li><li>Financial assistance for adoptions and infertility treatment.</li><li>Tuition assistance and educational achievement bonuses.</li><li>Free parking.</li><li>Paid time off to volunteer in your community.</li></ul>At American Modern, a subsidiary of Munich Re, we see Diversity and Inclusion as a solution to the challenges and opportunities around us. Our goal is to foster an inclusive culture and build a workforce that reflects the customers we serve.We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

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