【美国】员工财务健康福利公司Your Money Line获得450万美元A轮融资，利用AI改善员工财务健康状况
员工财务健康福利领域的领先企业 Your Money Line 宣布获得 450 万美元的 A 轮融资，本轮融资由 Allos Ventures 领投，First Trust Capital Partners、CareSource 和 Elevate Ventures 参投。本轮融资将加速 Your Money Line 财务健康解决方案的发展，并实现其提高所有人财务稳定性和信心的使命。
美国工人多次将财务压力列为头号压力源。Your Money Line（YML）与全国各地的企业、学校和医院合作，为员工减轻这种压力，并将财务辅导作为一项员工福利。YML 免费为员工提供软件中的人工智能资金跟踪和建议，并配备富有同情心的现场教练，引导员工实现更健康的财务状况。
“Your Money Line 公司创始人兼首席执行官Peter Dunn说："财务不稳定是美国工人及其雇主长期面临的问题。“与那些愿意响应号召并成为解决方案一部分的成功投资者结盟令人耳目一新。 邓恩曾是一名理财规划师，在过去的 20 年里，他通过辛迪加广播节目、报纸专栏、书籍和主题演讲，成为员工财务健康方面的领军人物。
通过此次投资，Allos Ventures 的董事总经理 David Kerr 和 First Trust Capital Partners 的高级副总裁 Mark Kroeger 将加入 Your Money Line 的董事会。
“Kerr表示："如今，员工希望从公司获得健康福利，而Your Money Line正在建立一个全面、现代化的解决方案，以消除员工的财务压力。“他们在指导大小企业的员工实现更美好的财务未来方面有着令人印象深刻的记录。我很高兴 Allos 能成为他们下一个发展阶段的一部分。
Your Money Line已经帮助数以万计的员工改善了他们的财务生活，并获得了1000多个用户的五星级评价。“自从与 YML 合作以来，我的信用评分提高了近 200 分。[我现在有足够的钱支付生活中的小插曲，比如汽车大修和意外医疗费用，"一家大型医院系统的一位参与者说。“我学到了很多。Your Money Line 改变了我的生活，我非常感谢它。
自上一轮融资以来，该公司的客户群和收入都有了显著增长，并聘请了 SaaS 高管 Ben Battaglia（Seismic、Lessonly）和 Philip Tallman（TimelyCare、CampusLogic）分别负责市场营销和销售。Your Money Line还被评为2024年印第安纳州最佳工作场所之一，并入选顶级人力资源技术加速器项目UKG实验室。在2024年下半年，公司将增加工程、产品、销售、金融辅导、客户成功等方面的职位。
关于Your Money Line
Your Money Line是一家领先的员工财务健康福利公司。Your Money Line将人工智能软件与富有同情心的现场教练相结合，指导参与者提高财务稳定性和信心。数以百计的企业、学校和医院系统都信赖 Your Money Line，相信它能提高员工的健康水平、参与度和保留率。Your Money Line总部位于印第安纳波利斯，由财经作家和电台主持人皮特-邓恩（Pete Dunn，又名皮特-规划师®）创立。
关于 Allos Ventures
Allos Ventures 的投资目标是中西部地区的早期技术公司。公司重点投资处于种子或 A 轮阶段的 B2B 软件公司，投资领域包括人力资本管理、监管科技、金融科技、健康科技、教育科技以及运输和物流管理。除成长资本外，投资组合公司还受益于公司董事总经理丰富的运营和业务建设经验，他们会根据需要随时为投资组合公司的成长提供支持。
【美国】为员工和学生提供心理健康服务公司CuraLinc获得一笔未披露金额的融资
纽约私募股权投资公司Lightyear Capital LLC（以下简称 "Lightyear"）完成了对CuraLinc Healthcare（以下简称 "CuraLinc "或 "公司"）的战略投资。CuraLinc 是一家提供员工援助（EAP）、学生和劳动力心理健康计划的创新型供应商，其个性化解决方案可在员工、会员和学生的整个心理健康护理过程中为他们提供参与、授权和支持。
CuraLinc 成立于 2008 年，是劳动力心理健康福利领域的领先企业，覆盖全球 4200 多家客户的约 900 万名员工和学生，其中包括众多财富 500 强企业的雇主。公司提供一整套员工福利服务，包括心理健康咨询和辅导、危机支持、短信疗法、数字团体疗法、管理咨询、心理健康导航和宣传、学生援助计划以及数字认知行为疗法（dCBT）。
"我们很高兴能与整个 CuraLinc 团队合作，"Lightyear 管理合伙人 Mark Vassallo 说。"CuraLinc的投资延续了Lightyear在医疗保健、员工福利和保险分销领域的悠久历史和丰富经验，包括我们对Therapy Brands、Alegeus和Datalot的成功退出。我们期待着支持 CuraLinc 的领导层实现下一阶段的增长。
"CuraLinc创始人兼总裁Sean Fogarty表示："在Lightyear，我们找到了一个与我们的价值观一致并支持创始人领导的企业的合作伙伴。"我们相信，Lightyear 在员工福利和心理健康护理领域深厚的专业知识、广泛的运营网络以及作为管理团队首选合作伙伴的良好声誉，都将使我们受益匪浅。有了这笔新资金和合作，我们将推动持续增长和创新，更好地服务于我们的客户"。
光年公司常务董事Michael Langer说："尽管每年约有四分之一的成年人患有精神疾病，但对于大多数美国人来说，心理健康问题的护理和治疗仍然遥不可及。行为健康咨询的平均等待时间为六周，近50%的精神疾病患者不寻求治疗。我们相信，CuraLinc 提供的价值主张有助于解决当今医疗保健领域最关键的一些问题。
Lightyear董事总经理Michal Petrzela补充说："CuraLinc已经成为一家与众不同的、一流的劳动力心理健康和EAP公司。我们很高兴能利用我们在员工福利、分销和心理健康方面的经验和运营网络，抓住日益增长的市场机遇。
Davis Polk & Wardwell, LLP 担任光年公司的法律顾问，Houlihan Lokey 担任光年公司的财务顾问。洛克律师事务所（Locke Lord LLP）担任法律顾问，芝加哥公司（The Chicago Corporation）担任 CuraLinc 的财务顾问。交易条款未披露。
关于 CuraLinc Healthcare
CuraLinc Healthcare提供以连接为动力的变革性心理保健服务--将技术与个性化宣传相结合，通过对员工、家庭和学生的健康、福祉和工作效率产生显著影响的项目为他们提供支持。
关于Lightyear Capital
Lightyear Capital是一家总部位于纽约的私募股权投资公司，主要与金融服务和技术、医疗保健和商业服务领域的成长型公司合作。20 多年来，光年资本一直与管理层密切合作，并利用其行业专长、顾问网络和运营资源，加速企业发展，打造市场领先企业。截至 2023 年 12 月 31 日，公司管理资产达 50 亿美元。
资讯
2024年08月13日
资讯
【HR术语】什么是亲和偏见？（What is affinity bias?）
什么是亲和偏见？
亲和力偏差，也被称为相似性偏差，是人类无意识地倾向于其他具有相似背景、兴趣和信仰的人的一种倾向。虽然我们可能会认为自己会根据他人的性格来有意识地选择与之相处，但事实上，我们在选择自己喜欢的人和希望与之相处的人时，并不善于保持客观。更多时候，人们倾向于亲近他人，只是因为他们会让自己联想到自己。
是什么导致了亲和力偏见？
我们可能会倾向于与自己相似的人，这有几个原因。
首先，与自己相似的人在一起是一种肯定。我们更有可能听到自己的观点和想法得到回应和支持，给我们一种被肯定的感觉。
同样，亲缘偏好让我们避免与其他不同的观点发生冲突，因为我们可能会觉得接受这些观点具有挑战性。
认识到亲缘偏见本质上是一种捷径也是很有帮助的，它可以让我们的大脑跳过真正的批判性思考，简单地将 "与我相似 "与 "好 "和 "值得纳入我的生活 "联系起来，从而节省宝贵的能量。
亲和偏差的影响
不幸的是，有时捷径会让我们迷失方向，而亲缘偏好也会带来一定的负面影响。由于不自觉地倾向于与我们相似的人，我们错过了认识许多迷人的、有价值的人的机会。
我们最终会反复强化自己的观点和文化信仰。缺乏差异或挑战会导致我们无法看清自己的世界观，使我们缺乏同理心和理解力，有时甚至会对与我们 "不同 "的人产生恐惧。
招聘中的亲和偏见
亲和偏见最隐蔽、最有害的地方之一就是招聘。毕竟，招聘人员、招聘经理和人力资源领导者也难免会受到无意识偏见的影响。
因此，尽管招聘团队可能认为他们在客观地选择最佳候选人，但他们可能在不知不觉中选择了那些与他们长相和思维相似、背景相似的人。这在最好的情况下有可能造成同质化的工作场所，在最坏的情况下有可能造成非包容性、歧视性的工作场所。
亲和偏见有哪些例子？
亲缘偏见会以多种方式偷偷出现在你的思维中。例如，你可能会因为某人和你上同一所大学，就认为他受过良好教育；或者因为某人曾在你工作过的同一家公司工作过，就认为他胜任某个职位。
这种思维方式会以多种方式影响组织。工作场所亲缘偏见的一些例子包括：
聘用不符合特定职位要求的候选人
放弃值得晋升的人
领导者否定不同的新想法
忽视对员工的表扬和奖励
亲和力偏见最终会损害组织的员工、公司文化和生产力。
亲和偏见与多样性和包容性之间有什么联系？
需要考虑的一个重要问题是，亲和力偏见会如何影响贵组织的 DEI&B。因为当招聘人员和领导者总是聘用、晋升和培养与自己相似的人时，就会造成员工队伍中充斥着相同背景的人，从而破坏了多样性。这种无意识的偏见是包容性的障碍之一，它使少数群体身份的人无法在各级劳动力队伍中享有平等的代表权。
如何避免亲和偏见？
由于亲和偏见的危害性很大，人力资源领导者必须意识到并积极预防和扭转亲和偏见。有几种方法可以做到这一点：
公开谈论亲和偏见，以便人们在工作中更容易识别亲和偏见
让不同背景的多人参与招聘和晋升决策
在招聘过程中采用匿名和随机的方式
为包括 C 级、人力资源、经理和团队成员在内的所有人举办无意识偏见培训
为什么现代人力资源团队应该意识到亲和偏见？
我们无法控制作为人类自然持有的无意识偏见。但是，当这些偏见会对我们组织的文化、包容性和成功产生负面影响时，我们就有责任学习如何减少亲和偏见。采取积极措施，消除我们自己的内部偏见，最终将使决策更具战略性，工作场所更加公平。
以下为文章原文：
What is affinity bias?
Affinity bias, also referred to as similarity bias, is the unconscious human tendency to gravitate toward other people with similar backgrounds, interests, and beliefs. While we may think that we actively make conscious choices to surround ourselves with people based on their character, the reality is that we aren’t very good at being objective when choosing who we like and want to be around. More often than not, people tend to gravitate towards others simply because they remind them of themselves.
What causes affinity bias?
There are several reasons why we might gravitate toward people like us.
First, being around others like ourselves is affirming. We’re more likely to hear our opinions and thoughts echoed and upheld, giving us a sense of validation.
Similarly, affinity bias allows us to avoid confrontation with other, different points of view that we may find challenging to accept.
It’s also helpful to realize that affinity bias is essentially a shortcut, allowing our brains to save valuable energy by skipping real critical thinking and simply associating “similar to me” with “good” and “worth including in my life.”
Effects of affinity bias
Unfortunately, sometimes shortcuts get us lost, and affinity bias comes with its fair share of negative impacts. By unconsciously gravitating toward people similar to us, we miss out on the opportunity to get to know many fascinating, worthwhile people.
We end up reinforcing our opinions and cultural beliefs repeatedly. The lack of difference or challenge can lead to an inability to see past our own worldview, making us less empathetic and understanding and sometimes even leading to a fear of others who are “different” from us.
Affinity bias in hiring
One of the places where affinity bias is most insidious and harmful is in hiring. After all, recruiters, hiring managers, and HR leaders are not immune to unconscious bias.
So while hiring teams may think they’re objectively choosing the best candidates, they may be picking people who look and think like them and come from similar backgrounds without even realizing it. This risks creating a homogenous workplace at best and a non-inclusive, discriminatory workplace at worst.
What are some examples of affinity bias?
There are many ways in which affinity bias can sneakily show up in your thinking. For example, you might assume that a person is well-educated because they went to the same university as you or that somebody is qualified for a role because they previously worked at the same company you did.
This type of thinking can affect an organization in multiple ways. Some examples of affinity bias in the workplace include:
Hiring candidates who are not the most qualified for a given role
Passing over deserving people for promotions
Leaders dismissing new, different ideas
Overlooking people for praise and rewards
Ultimately, affinity bias can harm your organization’s people, your company culture, and your productivity.
What’s the connection between affinity bias and diversity and inclusion?
One important thing to consider is how affinity bias can affect your organization’s DEI&B. Because when recruiters and leaders are always hiring, promoting, and nurturing people similar to themselves, it creates a workforce full of people of the same backgrounds, destroying diversity. This unconscious bias is one of the barriers to inclusivity that keeps people of minority identities from equal representation in the workforce on all levels.
What can you do to avoid affinity bias?
Because it can be so harmful, HR leaders must be aware of and actively work toward preventing and reversing affinity bias. There are several ways to do this:
Speak openly about affinity bias, so people can more easily identify it at work
Involve multiple people of different backgrounds in hiring and promotion decisions
Introduce anonymity and randomization to the recruitment process
Hold unconscious bias training for everyone, including C-levels, HR, managers, and team members
Why should modern HR teams be aware of affinity bias?
We can’t control the unconscious biases we naturally hold as human beings. But when they can negatively impact our organization’s culture, inclusivity, and success, it becomes our duty to learn how to mitigate affinity bias. Taking active steps toward dismantling our own internal biases will ultimately make for better, more strategic decision-making and a more equitable workplace.
【HR术语】什么是绩优加薪？（What is a merit increase?）
什么是绩优加薪？
绩优加薪是公司为工作成绩或业绩突出的专业人员提供的加薪。根据行业和公司的不同，绩效加薪可以是每年一次，也可以根据完成的项目进行加薪。
绩效加薪与加薪
通常情况下，公司每年或每半年为全体员工、部门或特定职位加薪一次。加薪可确保公司的薪酬具有竞争力，并与生活成本保持一致。如果员工认为自己的薪酬过低，要求加薪是完全可以接受的，但加薪并不一定与绩效挂钩。
而绩效加薪则与工作表现直接相关。企业为特定职位上的高价值专业人员提供绩效加薪，以奖励、鼓励和赞赏他们的工作效率和成就。
什么是标准的绩优加薪？
平均绩优加薪幅度约为个人当前工资的 3%。根据个人的绩效和对公司的价值，绩效加薪的幅度通常从绩效较低者的 1% 到绩效较高专业人员的 10% 不等。
了解公司如何对待绩效加薪非常重要。专业人士应在面试过程中专门讨论这个话题，以正确衡量公司的年度薪酬政策是否符合他们的期望和需求。
公司为什么要择优加薪？
公司通过绩优加薪来表彰优秀员工的成就和奉献精神。绩优加薪还可以激发每个人提高工作质量的动力，从而提高工作效率。最终，通过激励员工提高工作绩效，公司可以建立一种富有成效、以目标为导向的工作文化，并提高公司的底线。
人力资源领导者为什么要关注绩优加薪？
虽然绩效加薪肯定不是留住人才的唯一方法，但它可以起到帮助作用。通过对表现出色的员工给予额外的奖励，公司表明了对他们及其贡献的重视。因此，绩效加薪是另一种表达 "谢谢你，我们感谢你的服务 "的方式。
一个精心设计且行之有效的绩优加薪计划，奖励值得奖励的专业人员，可以提高员工的留用率、生产率和参与度。
保持高素质员工的参与度和积极性，可以最大限度地减少公司必须招聘和雇佣新人的数量，从而降低成本。此外，实施计划周密的绩效加薪制度还有助于留住为公司成功做出重大贡献的优秀团队成员。
哪些人应该获得绩效加薪？
绩效加薪并不适合所有人，这没有关系。
不是每个人都是高绩效员工。此外，在数年或数十年内额外增加 3% 至 5% 的薪酬可能代价高昂。
这就是为什么绩效加薪只适用于那些有杰出成就并直接推动业务目标实现的专业人士。
确保只有在制定了绩效加薪标准、评估了绩效考核并由高管审查了每位候选人之后，才会为员工提供绩效加薪。
如何计算绩效加薪？
要了解如何计算绩效加薪，让我们来看一个例子。
假设您为一位目前年薪为 80,000 美元并按月领取工资的员工提供 3% 的绩效加薪。
当前工资 x 绩效加薪百分比 = 年加薪
80,000 x .03 = 每年加薪 2,400
新工资/每年的工资额=新月薪
82,400 / 12= 6,866.66 美元为确保绩优加薪幅度在预算和职位薪资范围之内，人力资源领导者可以与薪酬经理合作，建立一个绩优矩阵--一个易于阅读的网格，显示准确的计算结果和有竞争力的加薪幅度。
人力资源领导者如何实施绩效加薪？
人力资源领导者可以利用这些指导原则，创建一个能促进员工参与、留住员工和提高生产力的绩效加薪制度：
考虑其他决定性因素。因为绩优加薪并不是提高员工参与度和留任率的唯一因素，所以应首先考虑其他核心人力资源因素： 员工是否拥有舒适工作所需的条件？职位是否提供工作灵活性？公司文化是否包容并接受思想多样性？是否有适当的学习和发展机会？分析完其他核心因素后，您就可以确定绩优加薪。
确定哪些人员有资格获得绩优加薪。要确定哪些职位和人员对企业的成功至关重要，就要评估找人替代该人员或担任该职位的难度。该职位或人员对公司业务目标和战略的影响有多大？在评估员工的职业价值时，应依靠来自多个渠道的数据，如频繁的绩效考核、360 度审查和人才分析。
确定标准。确保标准切合实际。在尊重工作与生活平衡的前提下，你希望这些要求能激发员工努力工作。理想情况下，标准应能激发动力，而不是失望和怨恨。
让每个人都能了解标准。将绩优加薪标准写入员工手册，并向管理人员解释，以此传达标准。这样，专业人员就能了解他们需要达到哪些基准才能获得资格。
经常进行绩效加薪。人力资源部门的领导者可以全年提供绩效加薪，这样，每当员工达到既定目标时，人力资源部门就可以通过有竞争力、有预算的绩效加薪来奖励他们的表现，从而促进员工的参与度和工作效率。
采取综合方法。仅仅依靠绩效加薪并不能达到提高员工敬业度、生产率和留任率的预期效果。然而，将绩优加薪落实到尊重和欣赏员工、提供有竞争力的基本工资以及拥有能够指导员工的经理人的企业文化中，才是企业成功的基础。
为什么绩优加薪应成为现代人力资源战略的一部分？
绩优加薪是人力资源专业人士用来留住人才和提高生产力的绝佳工具。一家公司认可并奖励员工的成就和表现，就表明它欣赏员工及其贡献。如果将绩效加薪纳入员工福利的综合方法中，就能帮助专业人员保持热情和参与度。
以下为文章原文：
What is a merit increase?
A merit increase is a salary raise companies offer professionals for outstanding work achievements or performance. Depending on the industry and company, merit increases may be provided annually or based on the projects completed.
Merit increase vs. pay raise
Typically, companies offer pay raises annually or biannually for the entire workforce, department, or specific positions. Pay raises ensure that a company’s salaries are competitive and align with the cost of living. While it’s completely acceptable for people to ask for a raise if they think they’re underpaid, raises aren’t necessarily connected to performance.
Merit increases, on the other hand, are directly related to work performance. Businesses offer merit increases to highly valuable professionals in specific positions to reward, encourage, and show appreciation for productivity and accomplishments.
What is a standard merit increase?
The average merit increase stands at about 3 percent of a person’s current salary. Depending on the person’s performance and value to the company, merit increases typically range anywhere from 1 percent for lower performers to 10 percent for high-performance professionals.
Understanding how companies treat merit increases is important. Professionals should address this topic specifically during the interview process to properly gauge whether a company’s annual compensation policies match their expectations and needs.
Why do companies give merit increases?
Companies incorporate merit increases to recognize top performers’ achievements and dedication. Merit increases can also spur increased workplace productivity by igniting everyone’s drive to improve work quality. Ultimately, by providing an incentive to elevate work performance, the company can build a productive, goal-oriented work culture and increase its bottom line.
Why should HR leaders care about merit increases?
While merit increases definitely aren’t the only way to retain talent, they can help. By rewarding high-performers with extra compensation, the company demonstrates that it values them and their contributions. Thus, merit increases are another way to say “thank you, we appreciate your service.”
A well-designed and effective merit increase program that rewards deserving professionals can boost employee retention, productivity, and engagement.
Keeping high-quality employees engaged and motivated can minimize the number of new people a company must recruit and hire, thus reducing costs. Moreover, implementing a well-planned merit increase system can help retain stellar team members who significantly contribute to the company’s success.
Who should get a merit increase?
Merit increases aren’t for everyone, and that’s okay.
Not everyone is a high-performance worker. Furthermore, paying an extra 3-5 percent compensation increase over several years or decades can be costly.
That’s why merit increases are intended only for professionals with outstanding achievements who directly drive business goals.
Make sure you offer merit increases to people only after undergoing a process of establishing merit increase criteria, evaluating performance reviews, and having executives review each candidate.
How do you calculate a merit increase?
To understand how to calculate a merit increase, let’s take a look at an example.
Say you offer a 3 percent merit increase to someone who currently earns $80,000 annually and receives a monthly paycheck.
Current salary x merit increase percent = annual raise
80,000 x .03 = 2,400 annual raise
New salary/amount of paychecks per year = new monthly salary
82,400 / 12= $6,866.66To ensure that the merit increase is within budget and the position’s salary range, HR leaders can collaborate with compensation managers to build a merit matrix–an easy-to-read grid that displays accurate calculations and competitive salary increases.
What can HR leaders do to implement merit increases?
HR leaders can create a merit increase system that promotes employee engagement, retention, and productivity using these guidelines:
Look at other determining factors. Because merit increases aren’t the only components involved in driving engagement and retention, consider other central HR factors first: Do people have what they need to work comfortably? Does the position offer work flexibility? Is the company culture inclusive and accepting of thought diversity? Are there appropriate learning and development opportunities? Once you’ve analyzed the other core factors, you can home in on the merit increase.
Determine what qualifies people for a merit increase. To identify which positions and people are vital to business success, evaluate how difficult it is to find someone to replace that person or fill that role. How much does this position or person impact the company’s business goals and strategy? When assessing peoples’ professional worth, rely on data from several channels such as frequent performance reviews, 360-degree reviews, and talent analytics.
Define the criteria. Make sure the criteria are realistic. You want the requirements to spark hard work while still respecting work-life balance. The criteria ideally should stimulate motivation rather than disappointment and resentment.
Make the criteria accessible to everyone. Communicate the merit increase criteria by including it in the employee handbook and explaining it to managers. This way, professionals can understand which benchmarks they need to reach to qualify.
Offer frequent merit increases. HR leaders can provide merit increases throughout the year so that every time an employee reaches a set goal, HR can reward them for their performance with a competitive, budgeted merit increase that drives engagement and productivity.
Take a holistic approach. Relying on merit increases alone won’t create the desired results of increased employee engagement, productivity, and retention. However, implementing merit increases into a company culture that respects and appreciates its people, offers competitive base salaries, and boasts managers who can coach and mentor their people is the foundation of business success.
Why should merit increases be part of modern HR strategy?
Merit increases are great tools HR professionals can use to boost retention and productivity. A company that recognizes and rewards peoples’ achievements and performances shows that it appreciates its people and their contributions. When incorporated into a comprehensive approach towards employee wellbeing, merit increases can help keep professionals enthusiastic and engaged.
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