Goldman Sachs jobs

Credit Risk Expert (Experto/a en Riesgo de Credito) Latin America Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale. Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. We're building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas. Credit Risk Expert - Latin America This role in one line You'll live in the data - SQL, Python, models, and strategy - turning portfolio signals into decisions that directly shape how Clara grows and manages risk across Latin America. This is an individual contributor role with no direct reports. The impact here comes from your own hands and your own thinking, not from managing others. If

BI Analyst, Finance, Finance Data and Analytics Chicago, IL, USA At Google, data drives all of our decision-making. As part of the Finance Business Intelligence team, you will use data to inform business and product decisions across the company. Using your technical skills, business acumen and creativity, you will build tools to automate reporting and generate insight that will allow clients to quickly and accurately see how our key business products and processes are performing. Previous experience managing finance systems projects, with emphasis on providing business intelligence and data driven insight through reporting, will have equipped you well for this role. You'll be involved in projects from inception to delivery, ensuring that your reporting delivers high-quality and relevant data to intelligently grow our business. You will also have extensive knowledge of key financial systems, such as Oracle and Hyperion, and experience working with a range of other business intelligence tools and platforms. Finance Data and Analytics (DnA) team combines business acumen, technology and innovation to organize data, enable insights and create data driven and efficient Finance organizations in Google. As part of this team, you will gain perspectives on Google's core businesses, services and the products. At Google, data drives all of our decision-making. As a Business Intelligence Analyst, you will collaborate with data engineers, analysts and Program Managers (PMs) to create end-to-end data solutions to enable our finance partners to make informed decisions, manage risks and opportunities.The name Google came from "googol," a mathematical term for the number 1

Member of Product Marketing, Stablecoins United States At Anchorage Digital, we are building the world's most advanced digital asset platform for institutions to participate in crypto. Anchorage Digital is a crypto platform that enables institutions to participate in digital assets through custody, staking, trading, governance, settlement, and the industry's leading security infrastructure. Home to Anchorage Digital Bank N.A., the first federally chartered crypto bank in the U.S., Anchorage Digital also serves institutions through Anchorage Digital Singapore, Porto by Anchorage Digital, and other offerings. The company is funded by leading institutions including Andreessen Horowitz, GIC, Goldman Sachs, KKR, and Visa, with its Series D valuation over $3 billion. Founded in 2017 in San Francisco, California, Anchorage Digital has offices in New York, New York; Porto, Portugal; Singapore; and Sioux Falls, South Dakota. Learn more at anchorage.com, on X @Anchorage, and on LinkedIn. With the evolving landscape of digital threats and an increasing volume of sophisticated attacks by malicious actors, we have a security policy mandating all new hires complete an in-person onboarding process - no exceptions. Security is our foundation and we prioritize physical identity verification and secure IT setup. While our security and IT logistics require physical presence to protect our infrastructure from sophisticated global threats, this move is equally about our Village culture. We believe that a laptop can be shipped, but our culture cannot. We are seeking a senior product marketing leader to own market strategy, positioning, and go-to-market execution for our stablecoin infrastructure and cross-border payment offerings.

VP Investment Banking - Consumer & Retail NEW YORK, New York, United States of America

Member of Technical Staff, Transparency (Backend Engineer) United States At Anchorage Digital, we are building the world's most advanced digital asset platform for institutions to participate in crypto. Anchorage Digital is a crypto platform that enables institutions to participate in digital assets through custody, staking, trading, governance, settlement, and the industry's leading security infrastructure. Home to Anchorage Digital Bank N.A., the first federally chartered crypto bank in the U.S., Anchorage Digital also serves institutions through Anchorage Digital Singapore, Porto by Anchorage Digital, and other offerings. The company is funded by leading institutions including Andreessen Horowitz, GIC, Goldman Sachs, KKR, and Visa, with its Series D valuation over $3 billion. Founded in 2017 in San Francisco, California, Anchorage Digital has offices in New York, New York; Porto, Portugal; Singapore; and Sioux Falls, South Dakota. Learn more at anchorage.com, on X @Anchorage, and on LinkedIn. With the evolving landscape of digital threats and an increasing volume of sophisticated attacks by malicious actors, we have a security policy mandating all new hires complete an in-person onboarding process - no exceptions. Security is our foundation and we prioritize physical identity verification and secure IT setup. While our security and IT logistics require physical presence to protect our infrastructure from sophisticated global threats, this move is equally about our Village culture. We believe that a laptop can be shipped, but our culture cannot. You will be part of a full stack engineering team charged with improving the client onboarding and billing experiences through front-end enhancements

Lead Counsel, Wealth Capital Markets, VP - New York NEW YORK, New York, United States of America

Product Marketing Manager Colombia, Bogotá About Addi We are a leading financial platform, building the future of payments, shopping, and banking-a world where consumers and merchants can transact effortlessly and grow together. Today, we serve over 2 million customers and partner with more than 20,000 merchants, making Addi Colombia's fastest-growing marketplace. With a state-of-the-art, technology-first approach, we provide banking solutions (deposits, payments, unsecured credit) and commerce services (e-commerce, marketing), bridging the financial gap for millions and redefining how people experience financial freedom. As the country's leading Buy Now, Pay Later provider, we have secured regulatory approval to operate as a bank, unlocking even greater opportunities for our customers. In the past year, we have also achieved profitability, reinforcing the strength of our business model and our ability to scale sustainably. Our mission has earned the trust of world-class investors, including Andreessen Horowitz, Architect Capital, GIC, Goldman Sachs, Greycroft, Monashees, Notable Capital, Quona Capital, Union Square Ventures, Victory Park Capital, and more, who back our vision for the future. With their support, we are not just growing-we are transforming Latin America's financial ecosystem and shaping the next generation to shop, pay, and bank in Colombia. But what truly sets us apart is how we build. We are a conscious company, driven by deep experience in scaling technology, services and products, and we live by our values every day. About the Role This is where you come in. Below, you'll find what this role is all about-the impact you'll drive, the challenges

Treasury Analyst Charlotte, NC, US Overview Hayward Holdings Inc. (NYSE "HAYW") is the largest manufacturer of residential swimming pool equipment in the world, with a significant presence in the commercial pool market that is continuously growing. Hayward designs, manufactures, and markets a full line of residential and commercial pool and spa equipment including pumps, filters, heating, cleaners, salt chlorinators, automation, lighting, safety, flow control and energy solutions at our company owned facilities. Headquartered in Charlotte, North Carolina, Hayward also has facilities in Tennessee, Arizona, and Rhode Island as well as Canada, Spain, France, Australia, and China. This is an onsite position based in South End Charlotte, NC The Treasury Analyst is responsible for supporting banking administration, daily treasury operations, including cash management, and financial controls. This role serves as a key liaison between the Treasury function and business units, ensuring efficient cash operations, strong internal controls, and accurate financial reporting. The ideal candidate is extremely detail-oriented, very highly organized, and proficient in banking systems and data analysis tools. Responsibilities Banking Administration · Monitor and manage the Treasury group email inbox, triaging and resolving or redirecting requests in a timely manner · Log into Kyriba daily to confirm bank data feeds are received; troubleshoot issues as needed · Perform transaction research in Kyriba, including identifying and re

Solutions Engineer, Financial Audit San Francisco, CA or Remote (USA) | Remote About Us Fieldguide is establishing a new state of trust for global commerce and capital markets through automating and streamlining the work of assurance and audit practitioners specifically within cybersecurity, privacy, and financial audit. Put simply, we build software for the people who enable trust between businesses. We're based in San Francisco, CA, but built as a remote-first company that enables you to do your best work from anywhere. We're backed by top investors including Growth Equity at Goldman Sachs Alternatives, Bessemer Venture Partners, 8VC, Floodgate, Y Combinator, DNX Ventures, Global Founders Capital, Justin Kan, Elad Gil, and more. We value diversity - in backgrounds and in experiences. We need people from all backgrounds and walks of life to help build the future of audit and advisory. Fieldguide's team is inclusive, driven, humble and supportive. We are deliberate and self-reflective about the kind of team and culture that we are building, seeking teammates that are not only strong in their own aptitudes but care deeply about supporting each other's growth. As an early stage start-up employee, you'll have the opportunity to build out the future of business trust. We make audit practitioners' lives easier by bringing together up to 50% of their work and giving them better work-life balance. If you share our values and enthusiasm for building a great culture and product, you will find a home at Fieldguide. About the Role: The Fieldguide Senior Solutions Engineer

Vice President, Corporate Risk Solutions New York, New York, United States

Senior/Staff Product Manager, Payments Experience San Francisco, California, United States, Seattle, New York City Grow Therapy is on a mission to serve as the trusted partner for therapists growing their practice, and patients accessing high-quality care. Powered by technology, we are a three-sided marketplace that empowers providers, augments insurance payors, and serves patients. Following the mass increase in depression and anxiety, the need for accessibility is more important than ever. To make our vision for mental healthcare a reality, we're building a team of entrepreneurs and mission-driven go-getters. Since launching in February 2021, we've empowered more than ten thousand therapists and hundreds of thousands of clients across the country and insurance landscape. We've raised more than $328Mm in funding, including our Series D, at a $3B valuation from Sequoia Capital, Transformation Capital, TCV, SignalFire, Menlo Ventures, Goldman Sachs Alternatives, and others. About the Role: One of the biggest barriers to accessing mental health care today is cost uncertainty and financial constraints. As the Product Manager for Grow's new Payments Experience team, you will own a charter focused on building a best-in-class experience that gives clients confidence to start and continue care. You will define the product vision and lead a roadmap that transforms one of the most frustrating aspects of healthcare into a meaningful differentiator for Grow. This is an opportunity to turn complexity into clarity and create an experience that clients trust. Working closely with engineering, design, data, and operations, you will have the strategic ownership to define what

Channel and Customer Research Analyst - German Speaker London, Greater London, England, United Kingdom About AlphaSense: The world's most sophisticated companies rely on AlphaSense to remove uncertainty from decision-making. With market intelligence and search built on proven AI, AlphaSense delivers insights that matter from content you can trust. Our universe of public and private content includes equity research, company filings, event transcripts, expert calls, news, trade journals, and clients' own research content. The acquisition of Tegus by AlphaSense in 2024 advances our shared mission to empower professionals to make smarter decisions through AI-driven market intelligence. Together, AlphaSense and Tegus will accelerate growth, innovation, and content expansion, with complementary product and content capabilities that enable users to unearth even more comprehensive insights from thousands of content sets. Our platform is trusted by over 6,000 enterprise customers, including a majority of the S&P 500. Founded in 2011, AlphaSense is headquartered in New York City with more than 2,000 employees across the globe and offices in the U.S., U.K., Finland, India, Singapore, Canada, and Ireland. Come join us! About the Team: Working hand-in-hand with our Directed Content and 1x1 Call Services groups, this team provides timely channel checks and voice-of-customer interviews that reveal real-time demand signals, competitive dynamics, and purchasing behavior across priority industry verticals. By identifying the right operator, distributor, or end-customer profiles-and engaging them at the optimal moment in the quarter-we help investors surface differentiated, actionable insights. Channel & Customer Research (CCR) delivers scalable primary research that provides real-time insight into

Field Sales Representative | Cúcuta Cúcuta, Cucuta, Colombia About Addi We are a leading financial platform, building the future of payments, shopping, and banking-a world where consumers and merchants can transact effortlessly, grow together and where we create abundance and generate pride in them. Today, we serve over 2 million customers and partner with more than 20,000 merchants, making Addi Colombia's fastest-growing marketplace. We provide banking solutions (deposits, payments, unsecured credit) and commerce services (e-commerce, marketing) using state-of-the-art technology, bridging the financial gap for millions and redefining how people experience financial freedom. As the country's leading Buy Now, Pay Later provider, we have secured regulatory approval to operate as a bank, unlocking even greater opportunities for our customers. In the past year, we have also achieved profitability, reinforcing the strength of our business model and our ability to scale sustainably. Our mission has earned the trust of world-class investors, including Andreessen Horowitz, Architect Capital, GIC, Goldman Sachs, Greycroft, Monashees, Notable Capital, Quona Capital, Union Square Ventures, Victory Park Capital, and more, who back our vision for the future. With their support, we are not just growing-we are transforming Latin America's financial ecosystem and shaping the next generation to shop, pay, and bank in Colombia. But what truly sets us apart is how we build. We are a conscious company, driven by deep experience in scaling technology, services and products, and we live by our values every day. About the Role This is where you come in. Below, you'll find what

Business Development Manager, Industrial Rental Markets Job Location (Country/Region) Are you inspired by challenging the status quo? Do you thrive in collaborative environments that drive results? If so, Gates could be for you. Gates is a leading manufacturer of application-specific fluid power and power transmission solutions. We push the boundaries of material science to engineer solutions that continually exceed customer expectations. Let's simplify it, think belts and hoses. Found in motorcycles, conveyor belts, cars, tractors, blenders, vacuum cleaners, bicycles, & 3D printers just to name a few. Because why not do it all? Essential Duties and Responsibilities As an innovation leader, we look for ambitious, forward-thinking, open-minded, and well-rounded individuals to join our North America team. Located remote from your home office (US-based), the Business Development Manager, Rental Markets, Americas will be reporting to the Senior Director, Industrial Growth. This role is responsible for the development of profitable and sustainable sales growth for the Rental Market through OEM and end-user markets within the US & Canada. Additionally, this role is responsible for aligning the local sales and marketing strategy with the business objectives and will have a broad responsibility to coordinate sales efforts across the entire Power Transmission and Fluid Power products portfolio. Use your expertise in the Rental Market segment within the United States, including a deep understanding of the segment's technical process needs and challenges, to develop and

Member of Revenue Strategy & Operations, Salesforce Architect United States At Anchorage Digital, we are building the world's most advanced digital asset platform for institutions to participate in crypto. Anchorage Digital is a crypto platform that enables institutions to participate in digital assets through custody, staking, trading, governance, settlement, and the industry's leading security infrastructure. Home to Anchorage Digital Bank N.A., the first federally chartered crypto bank in the U.S., Anchorage Digital also serves institutions through Anchorage Digital Singapore, Porto by Anchorage Digital, and other offerings. The company is funded by leading institutions including Andreessen Horowitz, GIC, Goldman Sachs, KKR, and Visa, with its Series D valuation over $3 billion. Founded in 2017 in San Francisco, California, Anchorage Digital has offices in New York, New York; Porto, Portugal; Singapore; and Sioux Falls, South Dakota. Learn more at anchorage.com, on X @Anchorage, and on LinkedIn. With the evolving landscape of digital threats and an increasing volume of sophisticated attacks by malicious actors, we have a security policy mandating all new hires complete an in-person onboarding process - no exceptions. Security is our foundation and we prioritize physical identity verification and secure IT setup. While our security and IT logistics require physical presence to protect our infrastructure from sophisticated global threats, this move is equally about our Village culture. We believe that a laptop can be shipped, but our culture cannot. Anchorage Digital is not just a crypto company; we are a federally chartered bank redefining the safety and accessibility of digital

Business Development Partner Chicago, IL; Clearwater, FL; Westlake, TX Join us in building the future of finance. Our mission is to democratize finance for all. An estimated $124 trillion of assets will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you're ready to be at the epicenter of this historic cultural and financial shift, keep reading. About the team + role We are building an elite team, applying frontier technologies to the world's biggest financial problems. We're looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn't a place for complacency, it's where ambitious people do the best work of their careers. We're a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards. The TradePMR team empowers financial professionals with innovative technology and unparalleled support tailored to the unique needs of the RIA community. We are a custodial services and technology provider offering a robust platform including portfolio management, digital account opening, and advanced trading tools to help advisors streamline operations and grow their practices. As Business Development Partner, you will have a proven track record of successfully building strong relationships with Independent RIA firms and the ability to influence key decision makers to transition their custodial services to the TradePMR platform This role is based in our Chicago, IL, Clearwater, FL, Westlake, TX office(s), with in-person attendance expected at least 3

Sales Executive (Ejecutivo de Ventas) - Monterrey (Remote) Mexico Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale. Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. We're building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas. What you'll do We're looking for a Territory Sales Executive to drive customer acquisition and accelerate growth in Monterrey . This role will be instrumental in expanding Clara's regional presence by developing and executing a strategic sales plan focused on impact and scalability. You'll join our Commercial team and be at the forefront of our mission to empower companies across Mexico through smarter financial tools. As a sales

Mortgage Portfolio Risk Analytics - Assistant Vice President GURUGRAM, Haryāna, India

Sales Lead (Líder de Vendas) - Recife Brasil Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale. Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. We're building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas. What you'll do We're looking for a Sales Lead to spearhead our growth in Recife . In this role, you will be instrumental in expanding Clara's footprint by identifying high-value business opportunities, nurturing strategic client relationships, and driving sustainable revenue growth. Your contributions will directly impact our mission to revolutionize spend management for companies across Latin America. Drive Sales Growth: Own the end-to-end sales cycle, identifying and pursuing new

MSIM- Emerging Markets Debt- Transaction Counsel Boston, Massachusetts, United States of America posted: Posted 30+ Days Ago

Senior Quant Developer (PMS) Bangalore, Karnataka, India Who are we? FalconX is a pioneering team of operators, investors, and builders committed to revolutionizing institutional access to the crypto markets. Operating at the intersection of traditional finance and cutting-edge technology, FalconX addresses the industry's foremost challenges: Navigating the digital asset market can be complex and fragmented, with limited products and services that support trading strategies, structures, and liquidity found in conventional financial markets. As a comprehensive solution for all digital asset strategies from start to scale, FalconX operates as the connective tissue empowering clients with seamless navigation through the ever- evolving cryptocurrency landscape. We are one of the fastest growing startups in FinTech. We are a digital asset brokerage delivering best-in-class pricing and execution capabilities for institutional traders and investors. Our vision is to grow the digital asset ecosystem 1000X with industry-leading prime brokerage solutions. Who is on the team? We are entrepreneurs. More than half of us have experience founding a company. We come from leading institutions including Google, LinkedIn, JUMP, Citadel, Goldman Sachs, Harvard Business School, Carnegie Mellon, IIT + more. We are backed by some of the best investors in the world including Accel Partners, Flybridge Capital, Lightspeed Venture Partners. Impact At FalconX, you'll help make crypto assets a successful asset class. Some of the largest financial institutions from Wall Street to Silicon Valley and around the world will turn to you for the best market prices and insights on the crypto industry. You will become the expert

Senior Analytics Engineer, Corporate Strategy Menlo Park, CA Join us in building the future of finance. Our mission is to democratize finance for all. An estimated $124 trillion of assets will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you're ready to be at the epicenter of this historic cultural and financial shift, keep reading. About the team + role We are building an elite team, applying frontier technologies to the world's biggest financial problems. We're looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn't a place for complacency, it's where ambitious people do the best work of their careers. We're a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards. The Customer Intelligence and AI (CIAI) team is a specialized Data Science group within Robinhood's Corporate Strategy organization. Our mission is to unlock deeper insights into customer behaviors, satisfaction, and market performance through Net Promoter Score (NPS), benchmarking, and advanced analytics. We apply data science, machine learning, and AI to improve customer experiences, drive operational efficiency, and inform company-wide strategy. We partner with teams across Robinhood-including Product, Data, Engineering, Marketing, Finance, and Research. Our work powers strategic decision-making, enhances operational performance, and integrates into data science and AI pipelines across the company. As a Sr. Analytics Engineer on the CIAI team, you will strengthen and expand Robinhood's Corporate Strategy and

Product Lead, Protocol Ecosystems United States At Anchorage Digital, we are building the world's most advanced digital asset platform for institutions to participate in crypto. Anchorage Digital is a crypto platform that enables institutions to participate in digital assets through custody, staking, trading, governance, settlement, and the industry's leading security infrastructure. Home to Anchorage Digital Bank N.A., the first federally chartered crypto bank in the U.S., Anchorage Digital also serves institutions through Anchorage Digital Singapore, Porto by Anchorage Digital, and other offerings. The company is funded by leading institutions including Andreessen Horowitz, GIC, Goldman Sachs, KKR, and Visa, with its Series D valuation over $3 billion. Founded in 2017 in San Francisco, California, Anchorage Digital has offices in New York, New York; Porto, Portugal; Singapore; and Sioux Falls, South Dakota. Learn more at anchorage.com, on X @Anchorage, and on LinkedIn. With the evolving landscape of digital threats and an increasing volume of sophisticated attacks by malicious actors, we have a security policy mandating all new hires complete an in-person onboarding process - no exceptions. Security is our foundation and we prioritize physical identity verification and secure IT setup. While our security and IT logistics require physical presence to protect our infrastructure from sophisticated global threats, this move is equally about our Village culture. We believe that a laptop can be shipped, but our culture cannot. Anchorage Digital's Protocols organization partners with leading blockchain ecosystems and their institutional investors to deliver institutional-grade custody, staking, governance, and DeFi capabilities. As a Product

Manager of Learning & Development Chicago, IL; Menlo Park, CA; New York, NY Join us in building the future of finance. Our mission is to democratize finance for all. An estimated $124 trillion of assets will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you're ready to be at the epicenter of this historic cultural and financial shift, keep reading. About the team + role We are building an elite team, applying frontier technologies to the world's biggest financial problems. We're looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn't a place for complacency, it's where ambitious people do the best work of their careers. We're a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards. Robinhood's Learning & Development team drives performance at scale by delivering high-quality, high-impact learning experiences. We empower employees to perform at their best through thoughtfully designed programs and seamless, data-informed learning operations-supporting every step of their Robinhood experience: from onboarding to development to compliance training. We believe the best learning experiences are practical, embedded in the flow of work, and aimed at driving high performance. Our team balances creativity with pragmatism, designing programs that are engaging, scalable, and aligned with Robinhood's culture, brand, and business needs. As the Manager of Learning & Development , you will lead the design, quality, and delivery of learning experiences