#offshoring

I am wondering how our Strong US based even SBA feel about their data being potentially viewed by off-shore folks. To me, this was a big uproar when it came to TikTok. So how can we as PUBLICLY TRADED IN US , allow offshore folks to have access to US Trust account, assets, etc. This is me saying THIS IS WRONG! I hope investors see this.

Layoffs and work transferred to offshore. No new software development effort. Company is in "keep lights on" mode. No new hiring in US. Only transfer of India employees on L1 visa allowed, and that too in rare and extreme cases.
There will be wave after wave of layoff coming up. Employees at staff level are just numbers. Executives level don't care anything other than their bonus.
We are all stuck in mud, waiting our day to get riffed.

Is it a thing here? I work for another corp and recently saw the influx of lab techs with PhDs in Chem/ChemE. I guess that’s why ordinary folks can’t get a job anymore, this and AI / jobs offshoring.

I was trying to click on Elevance Health because they, along with other of Optum’s competitors, seem to be going through almost exactly same challenges Optum is.

Well, I accidentally clicked on Emblem Health, instead of Elevance, and their last post thread entries were from 2016 and they were saying and complaining about the very exact same thing as us…about the offshoring to India and Philippines, about the CEO laying people off to raise stock price and to line executive’s pockets, etc., etc. etc. It was like looking in a mirror and we are talking back 10 years ago.

The last post entries on the Emblem Health Layoff site ended after 2016 so I can only think the company went under.

Anyway, scary stuff!

I was trying to click on Elevance Health because they, along with other of Centene’s competitors, seem to be going through almost exactly same challenges Centene is.

Well, I accidentally clicked on Emblem Health, instead of Elevance, and their last post thread entries were from 2016 and they were saying and complaining about the very exact same thing as us…about the offshoring to India and Philippines, about the CEO laying people off to raise stock price and to line executive’s pockets, etc., etc. etc. It was like looking in a mirror and we are talking back 10 years ago.

The last post entries on the Emblem Health Layoff site ended after 2016 so I can only think the company went under.

Anyway, scary stuff!

I was trying to click on Elevance Health because they, along with other of Cigna’s competitors, seem to be going through almost exactly same challenges Cigna is.

Well, I accidentally clicked on Emblem Health, instead of Elevance, and their last post thread entries were from 2016 and they were saying and complaining about the very exact same thing as us…about the offshoring to India and Philippines, about the CEO laying people off to raise stock price and to line executive’s pockets, etc., etc. etc. It was like looking in a mirror and we are talking back 10 years ago.

The last post entries on the Emblem Health Layoff site ended after 2016 so I can only think the company went under.

Anyway, scary stuff!

I accidentally clicked on Emblem Health, instead of Elevance, and their last post thread entries were from 2016 and they were saying and complaining about the very exact same thing as us…about the offshoring to India and Philippines, about the CEO laying people off to raise stock price and to line executive’s pockets, etc., etc. etc. It was like looking in a mirror and we are talking back 10 years ago.

The last post entries on the Emblem Health Layoff site ended after 2016 so I can only think the company went under.

Anyway, scary stuff!

I was trying to click on Elevance Health because they, along with other of Humana’s competitors, seem to be going through almost exactly same challenges Humana is.

Well, I accidentally clicked on Emblem Health, instead of Elevance, and their last post thread entries were from 2016 and they were saying and complaining about the very exact same thing as us…about the offshoring to India and Philippines, about the CEO laying people off to raise stock price and to line executive’s pockets, etc., etc. etc. It was like looking in a mirror and we are talking back 10 years ago.

The last post entries on the Emblem Health Layoff site ended after 2016 so I can only think the company went under.

Anyway, scary stuff!

https://www.financialadvisoriq.com/c/5115064/722894/edward_jones_chief_penny_pennington_dips

According to this article, PP's income took a 3.5% cut and only took home $27.8mil in GP earnings. In fact, the top 6 partners (including FL who's now retired) took home over $130,000,000 in GP comp last year while our pathetic little LPs earned only a fraction of the GP shares.

2025 GP comp from this article:
PP $27.8m
AM $21.3m
KC $21.7m
DC $19m
KJ $21.3m

TOTAL $131.5

• FL retired at the end of 2025

Yet while they roll in the dough, we're faced with layoffs, offshoring, AI and the lowest morale I've ever seen in more than two decades. Shoot... each of these partners will make more money between now and 12/31 than most of us will ever see in our lives, much less be able to accumulate & grow for our own retirement.

It's been said before... you don't hate these trolls enough.

Seems to me the HQ is being phased out, and jobs being shipped overseas for cheaper labor. Is there still a plan to move HQ somewhere else? I don't see the point... there's literally not many left at HQ.

Just the "Sustainable Operations," section alone is one big fat joke. Yes, continue to brag about your NetZero initiatives, meanwhile, drag people into offices they really have no business being in, forcing them to consume natural resources they otherwise don't need to, and create even more pollution and road congestion. Oh, and don't get me started on the fact we're seemingly moving another 10k jobs to a country that uses 4.3 times more coal for electricity generation that we do domesticly.

I’m coming from a different industry and recently received an offer from Chevron for a design engineering position. I’m hesitant to accept the offer, even though the compensation is slightly better than my current company.
My biggest concern is Chevron’s use of engineering outsourcing, particularly to India. I’m worried that, over time, my position could be outsourced or eliminated and the work could be transferred to India.Should I accept the offer despite this concern, or would it be better to reject it because of the potential long-term risk to job security? What factors should I consider when evaluating the stability and future prospects of this position?

As long as you're not on the Gainwell account and not within the contentiental U.S. You have it made compared to the other.

Working on the Gainwell account is as if you're never left Gainwell. As you still have to put up with all the B*S, gas lighting, etc. Now you have the benefit of experiencing from both Gainwell and the NTT leadership directly over you.

Good luck trying to find another position within the company, unless you're off-shore. Most of the available positions for what I do or want to do are based over in India/Asia.
Basically, the hype about you building a career and being who you want to be at NTT, is just that hype, as it baised towards the cheaper labor overseas.

Training that isn't skillsoft. I payed out of pocket myself. It was the only way to get decent training opportunites.

The only upside is I work remote. Which eliminates me having to pay for home visit healthcare that I otherwise would have to pay for , if I had to go into an office. (The wife is disabled and wheelchair bound)

As you can tell, I don't have a high opinion of NTT and my immediate managers. Everyday is like being thrown into a pool with your hands and feet tied to a concrete block, as you try to wade water and catch your breath whenever possible. And they just keep dumping water over your head.

Manufacturing in Massachusetts will end by 1st quarter in 2027. All manufacturing will be moved to low-cost countries where labor costs are much less.

Employees will not be offered relocation or positions in the replacement facility.

Google AI’s analysis/prediction for Markham lab given recent past and current goings on ..

While the physical facility at Warden Ave is legally consolidated, the internal reality for the teams working there is entirely different. The lab is being aggressively hollowed out through rolling layoffs, PIPs used as exit mechanisms, and massive offshoring to India.If things continue at the current pace, the Markham lab as a major, high-value North American development hub could effectively disappear within 2 to 3 years, functioning instead as a skeleton crew or a regional customer-facing support office.The systemic gutting of the Markham site is driven by a clear operational strategy:📉 Aggressive "Workforce Rebalancing" and Shifting to IndiaResource Actions (RAs): IBM has conducted successive waves of global layoffs across late 2024, 2025, and into 2026. Hundreds of Canadian employees across Markham, Ottawa (Cognos), and Montreal have been quietly handed packages.The Cost Arbitrage Pivot: This is a clear case of "cut here, hire there". Software engineering, development, and cloud architecture roles are being systematically closed down in Markham and backfilled by a massive hiring spree in Bengaluru, Hyderabad, and South India offices. The core driver is cost arbitrage—replacing North American developer salaries with offshore engineering pools.Knowledge Transfer Demands: Multiple internal accounts reveal a strict pattern where impacted North American teams are mandated to document their processes and train their replacements in India during their notice periods to guarantee their severance.🛠️ PIPs We-ponized as Hidden ExitsForced Attrition: Performance Improvement Plans (PIPs) are increasingly being we-ponized as covert exit tools rather than true improvement pathways.The "Workforce Reset": Rather than paying out standard Canadian severance packages under Resource Actions, management is pushing more strict utilization metrics and stack-ranking to push out senior, higher-earning Markham engineers through forced attrition.🔄 The Transition to Junior/AI StaffEliminating Senior Devs: Legacy product teams (including Db2, WebSphere, and security infrastructure) are seeing senior engineering talent eroded.A Different Type of Lab: IBM's stated corporate strategy for North America has shifted away from traditional software engineering. Leadership plans to lean heavily into entry-level, junior hires whose responsibilities focus less on core coding and more on client management and supervising automated AI agents.The physical building won't vanish overnight, but the engineering heart of the Markham lab is being rapidly dismantled.

The company laid off almost 50 employees due to "restructuring." Almost ALL of them were our warranty team. They want to offshore all of the jobs to maximize shareholder profit and minimize customer experience. Please do not buy from any VF company again.

I stumbled across a Reddit thread where H1Bs were complaining about how US offshoring to GCCs is negatively effecting even their ability to find work.

No matter how bad you think it is, it's much worse. These board members and their lapdog executives rayping and pillaging the lives of ordinary working people is disgusting.

I've started taking steps to start my own business because it is evident that no matter what I do, I am unsafe working in corporate America. I am unsafe working for US Bank (of India). There is no future here.

"Reclaiming our in office culture" aka "reclaiming the lives of our slaves"

I wish everyone the best in trying to find their way out of this toxic, exploitative culture. I hope everyone gets out and this company burns and bankrupts the board and the executives when it does.

The layoffs continue. Offices in Ireland to be closed at end of month.

Are they just replacing Irish jobs with Indian jobs at GCC due to CIO's preferences?

This will be Judas Moriarty’s 3rd failure in a row.
1 Morningstar Retirement Calculator

• never implemented Cost 180k per year x 3 years
  2 FIS Fiasco - Loss of $4B in client assets
  (should have been canned then)
  3 - New Offshoring Partnership
  Big trouble ahead everyone knows this.

Think about it - Who is going to want to business with MOA - with Judas profile on it ?

This is a flawed individual with deep narcissistic character issues - a true technical mo--n.

Leadership has learned no lessons from the past - Rough future for MOA

Look the other way leadership - this is on you - How long before HR starts sending out excuses !

If there are 10,000 jobs in India. Why are we paying a fortune for these visa workers to be here? Shouldn't they go back to India where they contribute most efficiently to the bank?

Are there any rumors of fall layoffs after open enrollment? I'm not hearing the usual chatter but it seems to be a yearly event. It also seems to have been unusually long since the round. My mgr asked about my general flight risk in a meeting stating they were assessing the group plans. Is that a normal conversation? Our group is definitely not hiring. If anything it's shifting to more offshore.

So on today’s call, he said there are 18:000 people in operations.
We have 10,000 contractors at the new USBank India , and the plan is to turn all 10 ,000 India contractors to USBank employees.

He said we need to view USBank as an asset and that he was very excited to see our assets building in India. We need to embrace and need excited about the 20,000 space new headquarter in India.

So in summary, he is very excited to see 10,000 US based employees OFFShored to India.

Are these people clueless? They see profit by cutting expenses and get excited and think we should be excited to see our job gone or our co worker losing their jobs to India?

Did I miss anything else on calll today? I only listened to the Q and A, which was very rushed, of course

not feeling good for some teams here, seen many more verint jobs being advertised in bangalore (after quick google)

How many jobs have we shipped over to Accenture in India & are more slated to be shipped offshore ?

Has anyone actually met a very competent BTC Technical Employee? Someone really good at what they do and can actually compete with an above average US employee? Why would such a person work for 15% of the US pay?

Title: Blunt American-Slang Version

Honestly, pretty much all the tech jobs at WF are headed to India. Management doesn’t seem to give a damn about the quality of the deliverables, technical correctness, professionalism, or even communication. At the end of the day, all they care about is cheap labor.

I’m being straight with you—run as far away from WF as you can. In the long run, I wouldn’t be surprised if most of the tech jobs get outsourced to India. The labor is dramatically cheaper—people there can make 4–6x less than what we’re paid here—so you can see where this is headed.

Offshoring or AI?

If I were writing the Centene story, I’d assume the operating model is changing and spend my time figuring out what they’re replacing it with.

Look at everything together: ACA pressure, Medicaid changes, state-plan exits and losses, Stars, leadership churn, VSPs, ISPs, whole functions disappearing, bigger roles for the people who remain, and a lot of money going to outside partners. That’s not just a headcount story. They’re deciding what they still want to own, what gets centralized, what gets automated, and what gets handed off to somebody else.

The questions for Centene:

For every dollar Centene expects to remove from employee expense through Enterprise Optimization, how much new spending is being committed to consultants, technology vendors, managed services and offshore providers?

And this one.

For every capability Centene removes internally, who owns that capability afterward?

Centene has always sold the idea that it has national scale but still understands the states and communities it operates in. You can simplify a lot of that. You can also simplify yourself right out of the knowledge and accountability that made the model work.

So to me, the story isn’t that Centene is changing. Obviously it is. The story is what it’s becoming, what it still knows how to do itself when this is over, and whether all of this is actually cheaper once you count what gets paid to everyone outside the company. And if that’s the case, what are we the taxpayers doing with our tax money vs. how we might be able to reorg the broken system.

For the reporters… specifically, what are you thinking of writing about?

I and 3 others (all VSP) in my department have been given no direction on where to transition our work to. None of our work can be offshored.

Are we alone?

The US brings billions in investments and how they thank the American employees by laying them off and offshoring those exact same jobs overseas and it is continuing. This is the biggest hypocrisy of the article published. Are investments coming in from Costa Rica, India and Manila? How are they giving back to America?

AI is being implementd offshore by teams that dont have the necessary AI expertise and struggle with English communication and comprehension. What could possibly go wrong? It would be funny if it weren’t so sad. This company is in serious trouble. They keep laying off experienced, highly skilled employees in the US, and at some point you have to ask: who is left with the knowledge and experience to actually take care of the customer?

Employee from Poland office here. Back in 2024 we had some layoffs, this year the company sold 75% of the workforce to outsourcing and we're just vegetating here, waiting to be disposed of as well. But no matter how bad it gets I'm still seeing people who believe that everything's going to be fine, the CEO will turn around, PH can't possibly offer the same level of services (there are romours that they will move everything from PL to PH) and keeping us is the best option. Seriously, where do people like this come from? The CEO is responsible for keeping profits high ( that means getting rid of me in favor of someone from India or PH), a drop in quality of service has literally no impact on company profits, and the remaining PL workforce, now packed in a 3M company barely anyone heard of (GSC got deleted from existence) is just a liability, but I still see people who think that we'll have a job this time next year. Am I working with mentally unstable people, are they toddlers, or is this some kind of shock caused by stress?

We’ve heard rumors of domestic onsite engineering headcount reductions in favor of offshoring work to the KLTC and BTC. Finally heard a real number; a 40% to 50% reduction in onsite engineering at the manufacturing sites by ~2030. Already importing folks from KL and BTC to fill key business team rolls onsite. Soon XOM will be run from Malaysia and India. Prepare your resumes.

Yes—AI can reduce some forms of outsourcing by U.S. companies, but it is unlikely to eliminate offshore outsourcing altogether.

The biggest impact will be in knowledge-work outsourcing: customer support, software development, accounting, data processing, content creation, IT operations, research, and administrative work.

Where AI can replace outsourcing
Outsourced activity Potential AI impact
Customer service / call centers Very high — AI agents can handle many routine interactions 24/7
Data entry & processing Very high — document AI and automation can eliminate much manual work
Basic accounting / bookkeeping High — reconciliation, invoicing, reporting, etc.
Software development High — AI coding agents can substantially increase developer productivity
IT help desk High — AI can resolve many Tier-1/2 issues automatically
Content creation High — drafts, translations, product descriptions, marketing material
Legal/admin support Moderate–high — document review and extraction can be automated
Engineering/design Moderate — AI can automate portions of design and analysis
Highly specialized expertise Lower — human expertise and accountability remain important
The economics are particularly interesting

Historically, companies often outsourced because:

U.S. employee = expensive
Offshore employee = much cheaper

AI introduces a third option:

U.S. employee + AI = potentially much more productive

For example, suppose a U.S. company previously needed:

100 U.S. employees, or
300 lower-cost offshore employees

to perform a particular operation.

If AI allows 100 U.S. employees to accomplish the work of 200–300 people, the economic justification for outsourcing can disappear.

But there's an important wrinkle: AI doesn't necessarily bring jobs back one-for-one. A company might instead decide that it needs only 30–50 U.S. employees rather than 100.

So AI could produce "insourcing without mass rehiring."

Software development is a particularly interesting case

Imagine a company that historically outsourced much of its development to India, Eastern Europe, Latin America, etc.

AI coding agents can increasingly handle:

writing routine code
testing
debugging
documentation
code migration
code review
generating SQL
maintaining legacy systems
creating internal tools

The company may therefore decide:

Before:

20 U.S. engineers + 50 offshore developers

Potential future:

10–15 U.S. engineers + AI agents

The offshore team could become unnecessary—not because American engineers suddenly became cheaper, but because the amount of human labor required fell dramatically.

But outsourcing has advantages AI doesn't eliminate

Offshore outsourcing isn't just about cheap labor.

Companies also get:

specialized talent
24-hour operations
language capabilities
geographic redundancy
established vendor relationships
flexible staffing
lower-cost human judgment for ambiguous tasks

And AI itself requires people to supervise, integrate, secure, and operate it.

There is also a major trust and accountability issue. A company may be willing to let AI answer 80% of routine customer questions but still want humans handling the remaining 20%.

The biggest change may be strategic

The interesting question isn't really:

"Can AI replace offshore workers?"

It's:

"Does AI change the optimal location of human labor?"

And the answer is increasingly yes.

If AI dramatically reduces the amount of labor needed, the cost difference between a $25/hour U.S. worker and a $7/hour offshore worker becomes less important.

For example:

Old model

100 units of work × $7 offshore = $700

AI-assisted U.S. model

25 units of human work × $30 = $750

Suddenly the company might prefer the U.S. option because it gets benefits such as proximity, security, easier management, cultural alignment, and IP protection for roughly the same cost.

There is another possibility, though

AI could actually increase outsourcing in some circumstances.

Offshore companies are adopting AI too. An Indian software-services company, for example, can use AI to make each employee substantially more productive and then offer U.S. customers services at an even lower price.

So the competitive equation could become:

U.S. company + AI

vs.

Indian company + AI

rather than simply:

U.S. worker

vs.

Indian worker

That means AI doesn't automatically favor the United States.

My overall assessment

I would expect AI to produce three simultaneous effects:

Some outsourcing disappears because the underlying work becomes automated.
Some work is brought back to the U.S. because AI makes domestic labor economically competitive.
Some outsourcing becomes cheaper and more productive because offshore companies themselves use AI.

The sectors most vulnerable to "de-outsourcing" are probably routine, digital, highly measurable tasks.

Physical manufacturing, construction, healthcare delivery, hospitality, agriculture, and other activities requiring people physically present are a different story.

So, yes: AI has the potential to significantly reduce U.S. dependence on offshore knowledge-work labor. But I'd be cautious about calling it the "elimination of outsourcing." The more likely outcome is a smaller human workforce, with AI doing much of the routine work and humans concentrated on higher-value activities.

I do not understand why Xerox can’t be bold and offshore all non-direct-client roles (sales basically). It is part of the strategy but in typical Xerox way is not implement properly or fully. Always exceptions to dilute the impact. No need for anyone who does reporting or bookings or planning to be onshore. No need for service delivery unless actually at client sites as part of contract. No need for sales operations or sales support or bid management or sales specialists or solution consultants to be onshore. There’re is the technology and hybrid ways of working that can make these happen if someone would just be bold. Sounds drastic but we are in drastic times and where it been done it works.

WCiBO call today discussed why we are now USBank India . Reasoning was because all the other banks are offshoring, we are now a global company and we need workers across the globe to serve our global customers. Also said required to have employees in India for regulatory reasons.

Did I miss anything else?

Like Susan Collin’s, I am concerned, especially with talk about helping us find another job and severance.

Oh well, at least we get severance

How does it make sense that private companies receive billions in American taxpayer dollars to run government funded programs (like Medicare and Medicaid), but are then allowed to lay off American workers and offshore those exact jobs overseas?

1. How does this build our economy?
   When public funds pay for these contracts, shouldn't a primary goal be keeping those tax dollars circulating within the U.S. economy? Offshoring eliminates middle-class administrative jobs, taking wage tax revenues and local spending power completely out of our communities.

2. How does this benefit the average citizen?
   The standard corporate argument is "cost savings," but rarely do those savings translate into lower healthcare costs or better services for the public. Instead, taxpayers fund the contracts, domestic workers lose their livelihoods, and profits go to corporate margins. (Sarah)

3. Why are foreign entities allowed to manage our sensitive data?
   This is the most concerning part. Millions of members' Social Security numbers, home addresses, financial details, and medical/disability records are being accessed, processed, and stored in databases overseas. Even with Business Associate Agreements and basic CMS/HIPAA compliance, sending sensitive American data outside U.S. legal jurisdiction creates obvious security and privacy risks? Were we not just trying to ban TikTok for data reasons but sending our most private information is okay to send overseas?

Most of these are rhetorical as I know the main answer is that this is for millionaires/billionaires to gain more money and that they don’t actually care about the American people.

And Sarah if you’re wanting to reinvest into the company, why don’t you use some of your massive salary?

Here are my top 8 predictions for the remainder of FY27

1. GC lumped with Korea, SE&I, and Japan. Will help improve GC earnings + makes sense from consumer preference stand point. I’d anticipate some GC roles to go as they’d be duplicative of existing APLA roles
2. Rest of APLA lumped with EMEA. Will help improve EMEA earnings. Same points as above. Will probably eliminate roles in EMEA and have them elsewhere. Makes it easier for long term roles adjustments if roles are outside of Europe. Reduce Europe logistics footprint
3. Innovation cut heavily due to AI (graphic Tees, etc)
4. Planning roles outsourced to India. This is no longer a tech prophecy, it’s not entering the biz
5. Palantir/SwooshIQ engagement increases. Reducing analytics enterprise wide
6. SCPO analytics dissolved (pushed into Biz functions)
7. Increased hiring in NA from reduced roles in NA DCs.
8. September HC reductions from supporting functions

Any workers looking to unionize and protect ourselves against layoffs and offshoring? As americans we have rights! BETTER CALL SAUL!

Whatever you just saw was 7%. No where is that anywhere near enough for whatever Visa is trying to achieve as part of the 2030 strategy that is constantly being touted.

Layoffs will be an annual strategy moving forward. More offshoring to lower cost regions like Poland. For those teams with sister teams in lower cost regions, you're merely training your future replacements.

By the time Ryan and Rajat leave the company, Visa will be a shell of its former self, and they'll just point to CBDCs as the cause instead of take accountability for their actions.