Portfolio Manager Jobs

Job Title: Quantitative Credit Risk Analyst, Investments Risk Company: Genworth Financial Location: Stamford, CT Description: The role will assist in the analysis and modeling of credit risk across the Investment Portfolio, and provide analytical support for various asset classes and insurance products. This position will report to the Chief Risk Officer, Investments Risk Management and will support Quantitative, Credit, and Portfolio Risk Analysts in the development of quantitative models to help manage and monitor investment strategies while providing support to Asset Management, Portfolio Management and other teams throughout the Investments organization.RESPONSIBILITIES Ongoing evaluation of credit risk models and measurement systems for integration into fixed income investment strategies and capabilities Partner with Asset Management and Risk Management counterparts in the application of Credit VaR and concentration analysis Assisting with Credit VaR modeling and analysis Assist in the monitoring of portfolio concentrations and exposures to various sectors, securities, duration levels and changes in yield curve. Perform scenario analyses including stress testing, sensitivity and worst case to assess portfolio exposure to credit/market factors. Assist in the risk adoption of cutting edge analytical techniques/systemsBASIC QUALIFICATIONS Masters Degree in a quantitative discipline 5+ years of credit risk experience, working with fixed income models in an investment, trading or asset management risk function Deep understanding of credit risk models Demonstrated credit evaluation capability in an investment management setting Strong knowledge of investment products, strategies and markets Exemplary quantitative capabilities and demonstrated analytical skills Strong academic credentials; MBA or CFA required; FRM or PRM designations desiredPREFERRED QUALIFICATIONS Insurance or buy-side experience Ph.D Demonstrated expertise in fixed income instruments, including derivatives

Job Title: Portfolio Manager Company: MillerCoors Location: Milwaukee, WI Description: Great Company! Great People! Great Beer! The IT Portfolio Manager position is responsible for leading project management delivery across the Enterprise Services portfolio. The portfolio manager supports the Enterprise business partner organization and partners with them to execute IT initiatives in Finance, HR, Legal, Shared Services and Corporate Services areas. This role leads a team of program managers and project managers that will be deployed across the many projects in the Enterprise portfolio. In leading this team, this role will ensure effective execution of project management disciplines and methodologies across the Enterprise portfolio. Additionally, this role will direct the proper adherence to quality and methodology standards during program and project life cycle. Areas of responsibility include: Partner with business partner organizations and COEs - *Collaborate with Enterprise business partners in overall performance of the delivery of project management on a project by project basis. *Direct the process of gathering Enterprise portfolio requirements from business partner teams and collaborate on prioritization. *Collaborate with Enterprise Business partner organization to align Enterprise portfolio with information technology strategy, including target architecture and 3 year plan. *Ensure in-place assets perform according to agreed-upon standards and metrics and provide approvals for enhancements in collaboration with Business partners. *Collaborate with other Portfolio managers and COE leads in integration of project plans across the portfolio of active projects. *Collaborate with other Portfolio managers and COE leads in the development of integrated timelines across projects within the Portfolio. Project & Financial Management - *Direct and monitor project estimate creation and development during business case development. *Direct development of resource plans for proposed Enterprise portfolio to support enterprise information systems in Finance, HR, Legal, Shared Services and Corporate Services areas *Coach and direct project management within the portfolio in a manner that meets timeline and cost metrics. *Manage and report Enterprise portfolio health and metrics. *Direct and monitor overall performance against business case estimates and financial forecasts. Adhere to Quality Standards - *Perform project management quality reviews on a project by project basis and drive action plans for quality improvement. *Direct adherence to project governance processes across Enterprise portfolio to include sponsoring audit and compliance across Enterprise portfolio. *Ensure adherence to procurement and signature authorizations required for project investments. Team Leadership - *Day to day manage a team of program and project managers in the delivery of solution development projects. *Allocate project management resources ' internal and external ' to projects in coordination with Enterprise business partner teams. *Coach and advice project management teams assigned to projects and programs. Education/Experience: *Bachelor's degree with focus on IT, CS, MIS, or related field *7 - 10 years working experience in information technology or related business management experience with at least 5 years operating at a managerial level is required *5+ years experience with IT program management responsibilities preferred *Proven record of IT project management in a technology, CPG or manufacturing environment *PMP or relevant project management certification desired *Experience in managing large scale Finance / HR transformation projects leveraging SAP is preferred *Strong ability to collaborate with stakeholders and project leadership teams in driving project management excellence and performance *Proven ability to lead Program and Project development activities *Proven ability to facilitate planning for cross-functional, IT-focused initiatives *Demonstrated experience with IT Program management and Project management concepts and related tools *Demonstrated experience applying IT project management governance processes *Demonstrated experience applying system methodologies to project planning and monitoring *Demonstrated experience developing program and project level resource plans *Ability to interface and influence people at all levels within the organization *Possess advanced training and learning in IT project management *Strong written and verbal communications skills and the ability to effectively express complex technical concepts to non-technical audiences *Experience with business case development and project estimating

Job Title: Operational Risk Analyst Company: Synovus Location: Columbus, GA Description: Banking and branch operation experienceKnowledge of risk assessment procedures, policy formation, rolebasedauthorization methodologies, authentication technologies, and security attack pathologiesFamiliarity with SDLC and business analysis Proven ability to partner effectively across all levels of the organization and develop positive working relationshipsAbility to manage and meet multiple deadlinesExcellent written and verbal communication skillsStrong analytical and documentation skills, as well as strong attention to detailsSolid presentation skills, both written and verbalPersonal computer skills, including Excel, Word and PowerPoint Preferred Skills:Information risk analyst experience in the financial services/banking industry.Audit/Risk management experience***These positions can be filled with level II or Senior-level candidates.*** Required Skills for level II listed above.Senior-Level Required Skills:Required Education:Bachelor's degree (Experience can be substituted for education)5+ years of operational risk analyst experience Banking and branch operation experienceStrong knowledge of risk assessment procedures, policy formation, rolebasedauthorization methodologies, authentication technologies, and security attack pathologiesFamiliarity with SDLC and business analysis Proven ability to partner effectively across all levels of the organization and develop positive working relationshipsAbility to manage and meet multiple deadlinesExcellent written and verbal communication skillsStrong analytical and documentation skills, as well as strong attention to detailsSolid presentation skills, both written and verbalPersonal computer skills, including Excel, Word and PowerPoint Job Summary / Duties:Responsible for analysis ensuring that Operational risks when weighed against businessopportunities, are well managed and acceptable. Provide guidance & assistance to enterprise with identification, evaluation, and management of operational risks, independently or as a team effort, resulting in material risk being identified, managed & communicated. Provide oversight & facilitation in development and closure of action plans so that issues identified can be properly remediated.Responsible for conducting risk assessments in assigned areas to ensure that key risks and prior audit issues are mitigated/addressed. Providing Risk support which could include due diligence on vendors, assessment on new processes or software. Assisting business units in the assessment of risk within processes, defining, developing and implementing appropriate controls standards to mitigate risk. Developing analytical metrics and tools to facilitate risk and controls.Driving behavioral change to resolve process and infrastructure issues.Responsibilities:1. Assist with coordinating and management of Bank's operational risk and risk tracking/monitoring activities.2. Oversee and develop timely reports and analyses on Operational Risk. Act as liaison with IT in regard to ITGC Sox requirements, work closely with operational areas when procedures are developed, established and revised to ensure all necessary controls are in place. 3. Provide analytical support, risk management support, additional job-related ad hoc analyses and reports to meet the information needs of the enterprise. 4. Conduct risk assessments annually on all business processes for the banks, affiliate companies and vendors.5. Remediation of identified risks.6. Ensure key controls are identified and provided to Internal Audit in support of GLBA.7. Conduct annual vendor due diligence on legacy vendors, in particular who holds GLBA data.8. Maintain documentation to support the risk and control assessments completed on Business units, banks, affiliates. 9. Develop and maintain management reports/dashboards that address operational risk assessment and controls for the enterprise.10. Be alert to any overlap between the various risk and compliance requirements and see to leverage wherever possible.11. Act as a liaison with business areas, contributing toward the fulfillment of the Holding company's SOX/GLBA requirements. 12. Partners with the Manager, Operational Risk to develop security and data management policies and procedures to proactively protect the integrity, confidentiality, and availability of information in the custody of or processed by the company; responds in a timely manner to a loss or misuse of information assets; participates in investigations of suspected information security misuse or in compliance reviews as requested by auditors; communicates unresolved security exposures, misuse or noncompliance situations to management. 13. Generate recommendations for improved operational strategies along with complete benefit analysis to justify such changes.14. Stays abreast of information technology, industry and regulatory changes and trends as it relates to risk management and information security, and determines potential impact on business services and processes, as well as customer requirements.15. Analyzes the current business environment to detect critical deficiencies and recommend solutions to ensure timely, and effective responses and continuous business success. 16. Works with peers, subordinate management and project teams to proactively identify and resolve operational and tactical issues and to employ and manage supporting business and culture change that accompanies growth. 17. Drives behavioral change to resolve process and infrastructure issues.18. Performs other duties as required.About Synovus Financial Corp.: Synovus Financial Corp. is a financial services company with more than $32 billion in assets based in Columbus, Georgia. Synovus Financial Corp. provides commercial and retail banking, investment and mortgage services to customers in Georgia, Alabama, South Carolina, Florida and Tennessee.In order to become a team member, all candidates must pass several background checks to include Credit, Criminal Background, Drug Screen, Reference Checks, Finger Print Checks, and others. Synovus Financial Corp. is an Equal Opportunity Employer supporting Diversity in the workplace. M/F/D/V. Synovus Financial Corp. is a tobacco-free company. In order to be considered for this position, candidates must be eligible to work in the U.S. and will not need sponsorship from the employer now or in the future, in order to obtain, extend or renew authorization to work in the United States.

Job Title: Collections Risk Analyst Company: Compass Bancshares, Inc. Location: Birmingham, AL Description: This position is responsible for collections analytics. Other responsibilities include retrieving data from various DBMS stores, manipulate it, analyze it, and present it. A working knowledge of collections and risk management is critical.

Job Title: Risk Analyst - (DH32107) Company: Fiserv Location: Portland, OR Description: Risk Analyst - (DH32107)Job Requisition ID: DH32107Job Title: Risk AnalystJob Type: Full-timeLocation: Portland, ORJob Description:Fiserv, Inc. (NASDAQ: FISV) is the leading global provider of information management and electronic commerce systems for the financial services industry, driving innovation that transforms experiences for financial institutions and their customers. The Card Services division of Fiserv is one of the largest financial transaction processors in the nation and provides comprehensive credit, debit and ATM services for more than 3,000 clients. Card Services processes approximately 8.5 billion transactions annually, manages more than 21,500 ATMs and owns the ACCEL/Exchange Network. Ranked No. 1 on the FinTech 100 survey of top technology partners to the financial services industry, Fiserv celebrated its 25th year in 2009.*Position may be located in Portland, OR, Morris Plains, NJ or in Lake Mary, FL.RESPONSIBILITIES - Under general supervision: *Provides direct support of Fiserv and client card portfolio risk management programs. *Conducts data analysis of fraud monitoring system and make recommendations based on the analysis to customer/client inquiries. *Participates in both long-term and short-term projects related to either future or current risk management programs. *Assists management with development efforts and recommend changes to risk management policies and procedures to ensure compliance with regulatory and client based requirements. *Analyzes and evaluates fraud system data integrity and makes recommendations for enhancements. *Creates reports to support analytic findings.QUALIFICATIONS: Bachelors Degree or equivalent job related experience in the EFT industry 4 5 years of risk management, card fraud, and financial services experience Possesses strong relationship and communication skills to ensure proper client interaction in managing fraud issues (i.e. articulating event, mitigating liability, training) Must possess a high level of computer skills Working knowledge of workstations and database software; experience with SQL a plus Strong analytical and problem solving skills Ability to prepare and analyze data in a logical manner and be able to summarize findings to both a technical and non-technical audience Must be highly motivated and eager to learn Uses sound judgment and experience to solve moderately complex problems Ability to independently handle a variety of responsibilities simultaneously and be able to prioritize those tasks Ability to work productively in a team-oriented environment.Fiserv, Inc. is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace.

Job Title: Risk Management, Financial Services — Capital Markets Risk Manager- location negotiable Company: Accenture Location: New York, NY Description: Risk Management, Financial Services Capital Markets Risk Manager- location negotiable-00094363 Description Organization:Management Consulting Location:East Coast Accenture is one of the leading providers of management consulting services worldwide with more than 15,000 consultants in 49 countries. Our management consultants create, design and build new business models and help our clients integrate and operate them. You'll have the opportunity to turn theory into practice and shape strategies right through from inception toexecution. How? By acting as a trusted advisorin identifying and creatively solving complex problems, designing/restructuring critical processes, and fundamentally transforming the way a company operates,in order to help them become a high-performance business. Our suite of servicesdeliver tangible business outcomes for our clients and are built on both industry and business expertise. Accenture's Risk Management group works with clients to protect and increases economic and shareholder value while fulfilling compliance requirements cost-efficiently and implementing effective risk governance and operating models. We have the breadth of experience, global resources, superior assets and deep knowledge and insights to help the CFO/CRO create new forms of value and to help our clients become high-performance financial services businesses. Join the Accenture Risk Management team and you will play a central role in developing innovative business solutions that help clients improve operational efficiency and transform their risk function into a world class organization. As a Risk Management Business Manager, you will support clients to achieve high performance Qualifications Basic Qualifications: 3 years of work experience in Risk Management for Broker/Dealers, Asset Management firms or other Capital Market companies in the areas of Market Risk, Credit Risk and/or Liquidity Risk 3 years working on change projects with Risk Managers or Risk IT leads 3 years experience with Risk Process Design and Reengineering 3 years experience performing Risk Assessments and Diagnostics 3 years workingwith Risk Management Market Drivers and Financial Services (FS) Industry Trends 3 yearsexperience in Risk and Regulatory Management Consulting required Bachelor's Degree Ability to travel up to 100% Preferred Qualifications: Experience at a top Risk & Regulatory ManagementAuditing firm a plus Excellent communicationand facilitation skills Strong understanding of Risk Operating model at Capital Markets clients Understanding of Risk related Regulatory Requirements, such as Basel II and SEC requirements Familiarity with Risk &technology vendors a plus Understanding of Enterprise Risk Management Solutions High competence in developing presentations required (MS Office (Word, PowerPoint, Excel)) Effective team management and leadership skills Able to thrive in a fast-paced, high energy, demanding and team-oriented environment Choose a career at Accenture and enjoy an innovative environment where challenging and interesting work is part of daily life. With broad global resources and deep technical know-how, we collaborate with clients to cultivate ideas and deliver results. All of our consulting professionals receive comprehensive training covering business acumen, technical and professional skills development. You'll also have opportunities to hone your functional skills and expertise in an area of specialization. We offer a variety of formal and informal training programs at every level to help you acquire and build specialized skills faster. Learning takes place both on the job and through formal training conducted online, in the classroom, or in collaboration with teammates. The sheer variety of work we do, and the experience it offers, provide an unbeatable platform from which to continue building your career.Its home page is www.accenture.com. Candidates who are currently employed by a client of Accenture or an affiliated Accenture businessmay not be eligible for consideration. Applicants for employment in the U.S. must possess work authorization which does not require sponsorship by the employer for a visa. Accenture is an Equal Opportunity Employer. JobAccounting & Finance Primary LocationUSA-NY -New York OrganizationConsulting ScheduleFull-time

Job Title: Risk Management, Enterprise Risk Management Manager - (Commodities; Utility/Energy) - Location Negotiable Company: Accenture Location: Houston, TX Description: Risk Management, Enterprise Risk Management Manager - (Commodities; Utility/Energy) - Location Negotiable-00090029 Description Organization:Management Consulting Location:Location Negotiable Industry: Industry:Commodities - Utilities - Energy Accenture is one of the leading providers of management consulting services worldwide with more than 15,000 consultants in 49 countries. Our management consultants create, design and build new business models and help our clients integrate and operate them. You'll have the opportunity to turn theory into practice and shape strategies right through from inception toexecution. How? By acting as a trusted advisorin identifying and creatively solving complex problems, designing/restructuring critical processes, and fundamentally transforming the way a company operates,in order to help them become a high-performance business. Our suite of servicesdeliver tangible business outcomes for our clients and are built on both industry and business expertise. Join the Accenture Risk Management team and you will play a central role in helping organizations achieve their strategic and derived operational, reporting and compliance goals. Our experienced professionals and cutting-edge solutions enable organizations to cost-effectively manage risks initiatives and controls. As a Risk Management business consultant, you will support clients businesses in fulfilling compliance requirements cost-efficiently, providing insights for management to confirm that the company is on target in achieving its expected return while controlling exposure to risk. By refining and optimizing our clients' abilities to identify risks, evaluate scenarios, determine response and monitor progress, we create substantial shareholder and economic value. We have opportunities for you to join our Management Consulting practice in Risk Management, Commodities; Utility/Energy. Accenture's Risk Management group works with clients to protects and increases economic and shareholder value while fulfilling compliance requirements cost-efficiently and implementing effective risk governance and operating models. We have the breadth of experience, global resources, superior assets and deep knowledge and insights to help the CRO create new forms of value and to help our clients become high-performance financial services businesses. Join the Accenture Risk Management team and you will play a central role in developing innovative business solutions that help clients improve operational efficiency and transform their risk function into a world class organization. As a Risk Management Business Consultant, you will support clients to achieve high performance Qualifications Basic Qualifications: 4 years of working withmost components of ERM and risk management, including risk processes, appetite and tolerances, risk quantification, governance and reporting, and technology and systems. 4 years recent experience workingas project managerwithin enterprise risk management or a specific risk management function within a consulting firm. 4 years expertisein at leastone area ofERM, Operational, Strategic, and/or Financial risks. Includes knowledge of the risk tools and processes within a specific risk area including risk diagnostics, policies and procedures, industry best practices;risk assessment, key driver analysis, risk quantification and modeling, Risk Management experience within the industry of Commodities; Utility/Energy 3 years of interaction with management with a company's C-suite 3 years of working with ERM software and experience in applying finance-related computational techniques Bachelor's degree required with emphasis on business, finance, or economics; MBA preferred Preferred Qualifications: Advanced Degree Experience with ERM Models, i.e. Monte Carlo, VaR, etc. Choose a career at Accenture and enjoy an innovative environment where challenging and interesting work is part of daily life. With broad global resources and deep technical know-how, we collaborate with clients to cultivate ideas and deliver results. All of our consulting professionals receive comprehensive training covering business acumen, technical and professional skills development. You'll also have opportunities to hone your functional skills and expertise in an area of specialization. We offer a variety of formal and informal training programs at every level to help you acquire and build specialized skills faster. Learning takes place both on the job and through formal training conducted online, in the classroom, or in collaboration with teammates. The sheer variety of work we do, and the experience it offers, provide an unbeatable platform from which to continue building your career. Its home page is www.accenture.com. Candidates who are currently employed by a client of Accenture or an affiliated Accenture businessmay not be eligible for consideration. Applicants for employment in the U.S. must possess work authorization which does not require sponsorship by the employer for a visa. Accenture is an Equal Opportunity Employer. JobAccounting & Finance Primary LocationUSA-TX - Houston OrganizationConsulting ScheduleFull-time

Job Title: Sr. Portfolio Manager Company: Pacific Life Insurance Company Location: Newport Beach, CA Description: Responsible for ongoing portfolio management of commercial loan and LIHTC affordable housing portfolios, and other community-investment related private client deals, as assigned. Work under the supervision of Manager in the Portfolio Management Group. Primary Responsibilities: Loan Review and Purchase:Assist with loan review, purchase, and funding process of commercial loans purchased from third parties for the benefit of private clients.Review underwriting, due diligence reports, and loan documents for completeness and correctness. Ensure loan documents are in compliance with program guidelines.Ensure loan files are complete and include adequate and correct loan documentation, assignments, title policies/endorsements, third party due diligence reports, etc. High-level Loan/Portfolio Administration and Customer Service:Process loan-servicing requests in accordance with loan documents and servicing agreements. Review and understand supporting documentation including loan agreements, mortgages, subordination agreements, partial reconveyances, easements, appraisals, partnership agreements, regulatory agreements, title policies, audited financial statements, etc. Prepare written proposals to compliance committee supporting transaction recommendations. Coordinate with legal counsel, borrowers, escrow, private clients, etc., as needed to close transactions.Monitor servicing agreement compliance issues, loan covenants, and other related compliance matters.Loan collection efforts, problem loan management/coordination.Process loan payoffs, monitor maturing loans, manage loan ticklers.Provide excellent customer service to borrowers and private clients. Portfolio Monitoring and ReportingReview remittance reports prepared internally and by sub-servicers. Assist with reconciliation as needed.Assist with preparation and/or distribution of investor reporting packages.Monitor financial performance of collateral/real estate properties to ensure that potential negative and/or other changing trends in loan and property performance are addressed timely.Ongoing analysis of credit quality/underwriting, loan/property monitoring.Assist with securitization activities as need. Qualifications:1)4 to 6 years experience in commercial real estate, finance and/or commercial loan servicing. Multifamily background and knowledge of Low Income Housing Tax Credits or New Markets Tax Credits is a plus.2)4-year college degree required.3)Active Notary (may be obtained after employment begins).4)Excellent organizational and communication skills (written and verbal).5)Accurate, detail oriented, and efficient.6)Aptitude for understanding complex financial and legal documents.7)Excellent computer skills (Excel, Word, Windows).8)Ability to work in fast paced environment.

Job Title: Operational Risk Analyst Company: $99 Accountants & Finance Professionals Location: Houston, TX Description: Operational Risk Analyst CPA's and MBA's need only apply. Do you want to become an owner in an ALL Employee Owned Company? $99 Accounting & Finance Professionals ALL CUSTOMERS AND EMPLOYEES ARE TREATED THE SAME! Our Mission: A simple & transparent model that is a Win/Win for the Customer & Employee. Our Overhead costs will be less than 50% of our competitors. We will pass the savings to our Customers! Our Goal: Build Trust with our Customers & Employees by delivering an unmatched Quality, Service & Price. Our Quality, Service & Pricing Strategy: >Our quality will match & exceed our customers expectations. >Our service will be efficient and effective. >Our price will be the same for ALL customers - $99/hour, $119/hour for OT. Our Employees: >All employees are paid the same, with a percentage per hour higher than our competitors. >All billable employees will have 10+ years of experience from staff to Controller level, public & private. >All employees will pass a Microsoft Word, Excel & PowerPoint examination. >All employees will have a can-do attitude and support the client need without fail and confidentiality. Our Services: >Accounting: All traditional services save attest services. >Finance: Model Building, Forecasting, Cost Analysis, Problem Solving, .. >Risk/Strategic: Energy to Enterprise Risk Management from Strategic down to Operational processes. Category: Finance

Job Title: Research Director, Risk Management Company: Location: Boston, MA Description: International Data Corporation (IDC) is the premier global provider of market intelligence, advisory services, and events for the information technology, telecommunications, and consumer technology markets. IDC helps IT professionals, business executives, and the investment community make fact-based decisions on technology purchases and business strategy. More than 1000 IDC analysts provide global, regional, and local expertise on technology and industry opportunities and trends in over 110 countries worldwide. For more than 46 years, IDC has provided strategic insights to help our clients achieve their key business objectives. IDC is a subsidiary of IDG, the world's leading technology media, research, and events company. You can learn more about IDC by visiting www.idc.com. Research Director, Risk Management Financial Insights, an IDC Company, is seeking a senior member of its internationally-recognized Risk Management research team. The Research Director is responsible for setting the overall course and direction for a research service area. This is a relatively public role with many client-facing and industry-facing responsibilities, but with primary responsibility for producing the research product. The Research Director is responsible for building the reputation and the revenues of the services within their domain and is heavily involved in consulting and custom research. Additional responsibilities include managing the research agenda, writing research reports, helping with marketing activities to raise industry visibility, providing sales support, and acting effectively as a client advisor for both financial institutions and technology suppliers. Successful candidates will have extensive experience in IT risk, security, operational risk, credit risk, and/or market risk and be able speak authoritatively on these subject areas, as related to the Financial Services industry. Specifically, candidates should have a minimum of 14 years of related work experience with similar areas and levels of responsibility in either the financial services or technology industry covering technology related to banking and/or capital markets. Maintaining financial industry and technology knowledge is key to the success of this role. Bachelors Degree from an accredited institution or the international equivalent is required (Advanced degree a plus). Experience with or in international work environments, preferably outside the United States is helpful. Excellent writing and superior communication skills required. Proficiency in Microsoft suite of products is a must. Position is based in Framingham, MA, but other locations will be considered. IDC is an Equal Opportunity Employer. IDC does not discriminate on the basis of race, color, religion, national origin, sex, age, ancestry, sexual orientation, disability, handicap, veteran status, marital status, pregnancy-related conditions, or political beliefs.