Key Responsibilities:

• Responsible for end-to-end sourcing activities for products and services, managing internal customer relationships and requirements to ensure a smooth procurement processes.
• Build and maintain supplier relationships to continuously improve product and service delivery quality, price competitiveness, and contract compliance.
• Responsible for procurement contract management, including drafting and reviewing contract terms, commercial negotiation, placing orders and evaluating supplier performance.
• Continuously promote process optimization and innovation to achieve process simplification, cost reduction and efficiency.
• Prepare procurement strategies for customer suppliers and promote implementation.
• Promote procurement cost reduction, efficiency improvement, compliance, risk prevention and ecological cooperation of customer suppliers.

Requirements:

• Bachelor’s degree or higher in Telecommunications, Computer Science, or a related field.
• 1-3 years of relevant Procurement / Supply Chain Management experience for projects in Telecommunication industry; overseas working experience is preferred.
• Experience in cloud network products, ICT products, etc., and a background in customer service support will be added advantage.
• Good industry knowledge, analytical skills, negotiation skills and project management skills.
• Good written and spoken English, Chinese, and Cantonese will be a plus to liaise with Mandarin-speaking and Cantonese-speaking vendors.

IN.FOM (www.infom.asia) is a regional communications agency founded in Jan 2011 by two highly-experienced and respected communicators who believe in hands-on direct-to-client counsel and deliver results that matter. In the last few years, we have won numerous local and regional industry accolades for the many communications campaigns that we have conceptualised and delivered for our clients that include Samsung, Grab, Intel, Expedia, Poly, Herbalife and SGInnovate.

In addition to being named Singapore's PR Agency of the Year in 2015, 2017 and 2019 by IPRS; and the Best Global Technology Agency by Holmes Report (now known as PRovoke) in 2018, we have also won the "The Best Specialist Agency To Work For in Asia Pacific" award in 2017. In 2020, we were named by PRovoke as one of seven Agencies of the Decade in Asia Pacific.

Role

You should be an experienced, broadly capable project and communications manager or director with at least 5 years’ experience in a similar role in a PR agency or in-house, able to handle a wide range of assignments, projects and/or clients with a high degree of success and independence. You have the confidence and support of multiple client contacts.

Capabilities Expected

You are able to demonstrate high-level professional knowledge and skills, and should be able to manage a piece of a large account or a few smaller ones, with little top cover from your team leader.

You should have project management, budgeting, counseling, programming, people management (third party event organisers, and related personnel), and emerging business development skills.

You take responsibility for the projects that you manage, providing excellent client service, applying the agency’s best resources, and successfully managing people involved in projects and managing profitable growth.

Account Management

• Perform day-to-day account work which may include: developing program activities and a wide range of written materials (including strategy papers and press releases), coordinating events, maintaining client and media contacts, managing projects performed with and by others and supervising more junior staff
• Develop and manage projects/programs, including implementation plans, evaluation mechanisms, staffing plans, budgets and timelines
• Independently handle several small accounts or major projects of a large account, performing much of the day-to-day work with assistance from both more junior and more senior staff as appropriate
• Client’s primary day-to-day contact on projects, or, for smaller accounts, is the contact for the full account
• Develop presentations for clients relative to project management/program status under the supervision of the team leader
• Keep team(s) appropriately informed and involved in projects
• Identify and secure help on emerging account problems
• Able to articulate and apply agency vision, goals, practice areas and capabilities
• Fully familiar with the communications plans for accounts and understands and track clients’ businesses
• Act as a liaison between client, outside suppliers (graphic designers, photographers, A/V houses, etc.) and, as appropriate, other internal and external audiences (e.g., employees, media, interest groups)
• Communicate with client contacts and others in a professional, positive and appropriate manner
• Generally familiar with the work of other account teams

Professional Skills

• Growing depth and diversity of account experience to provide informed public relations counsel
• Strong understanding of public relations and a demonstrated ability to achieve public relations objectives
• Develop and draft programs materials based on team input
• Oversee and direct media campaigns. Has established relationships with senior print and broadcast journalists
• Capable writer and able to generate a range of materials (e.g., client memos, press releases, speeches, articles, case histories, byliners, backgrounders, op-ed pieces, brochures and collateral materials as well as program proposals, which require minimal editing
• Demonstrate competence at using internal and external research capabilities and in preparing in-depth analyses
• Able to contribute to presentations using internal or external resources
• Balance work load and tasks, communicating effectively with team members to reliably implement assignments on budget and on time
• Demonstrate solid teamwork capabilities while beginning to build supervisory skills
• Efficiently and effectively plan and manage events (e.g., press conferences, media tours, analysts meetings, advocate briefings, etc.) with minimal supervision

PURPOSE

You will lead actuarial valuation and P&L management for the GI business. You will be expected to work closely with the business and senior stakeholders for the general insurance personal lines portfolio.

KEY ACCOUNTAIBILITIES

· Support the CFO in meeting delegated GI Chief Actuary responsibilities

· Lead month-end valuation of insurance liabilities, internal financial reporting, ensuring key movements and deviations from Plan are clearly communicated to key stakeholders

· Lead the regular forecasts, business plan and other ad-hoc forecast exercises for GI business

· Lead MAS reporting and be the key contact person liaising with external Certifying Actuary on actuarial and valuation matters

· Adopt a pro-active approach in anticipating risks in the GI business and highlight them promptly to key stakeholders

· Engage with key functions, such as GI Pricing, Business Intelligence, Underwriting, Finance and Risk to provide insight on performance of products

· Ensure compliance of actuarial processes and models with internal policies

QUALIFICATIONS / EXPERIENCE

· Bachelor’s Degree in Actuarial Science

· 8 to 10 years in building and implementing models, preferably in the insurance industry.

· Strong knowledge about (i) Singapore RBC and other reporting requirements that general insurers in Singapore have to comply with

· Strong programming skills; R, Python or SQL is a plus

· Experience in building technical cost / demand models or other data science projects

KNOWLEDGE, SKILLS & ABILITY

· Strong business acumen in the GI insurance market

· Excellent communication and project management skills

· Strong interpersonal skill

· Ability to present and influence stakeholders on complex ideas

· Willing to be hands-on

· Ability to learn things quickly and have an inquisitive nature on technology

· Support reinsurer selection, regular reinsurance review and annual renewal exercises

· Provide timely updates on status and outcome to relevant stakeholders

· Stay updated of market changes and/or regulatory changes relating to general insurance

Provide support for GI pricing responsibilities in case of GI Pricing Manager’s extended absence to ensure business continuity

Job responsibilities:

1. Responsible for recruitment, performance assessment, training, salary and welfare, employee relations, administration and other daily work;

2. Prepare personnel recruitment plan and promote its implementation;

3. Plan and coordinate the overall operation of the personnel department, update and improve the personnel management system;

4. Excellent communication and public relations skills, with the ability to solve emergencies;

5. Promotion and implementation of training plans;

6. Organizational development of personnel.

Position Conditions:

1. University degree or above, major in human resources, business management, more than 5 years of working experience, more than 3 years of working experience in the same position;

2. Have a systematic understanding of modern enterprise human resource management mode and practical experience accumulation, have a deep understanding of all functional modules of human resource management, at least proficient in recruitment, performance, training three modules, able to guide the work of each functional module;

3. Familiar with national and local laws, regulations and policies on human resource management in Singapore and Malaysia;

4. Excellent communication and public relations ability, with the ability to solve emergencies;

5. Have good interpersonal skills, organization and coordination skills, communication skills and the ability to solve complex problems；

6. Have the ability to build team members from 0 to 1;

7. Fluent in English listening, speaking, reading and writing.

If you are interested in this job, please contact Mr. Ning @ [email protected] ASAP.

verview

Microsoft Cloud Operations + Innovation (CO+I) is at the forefront of delivering the core infrastructure and foundational technologies for Microsoft's cloud services. Our mission is to empower every person and organization on the planet to achieve more by providing reliable, scalable, and secure cloud infrastructure. CO+I is responsible for designing, building, and operating Microsoft's global datacenters, which are the backbone of our cloud services, including Azure, Office 365, and Xbox Live.

We focus on innovation and operational excellence, ensuring that our datacenters are efficient, sustainable, and resilient. Our team is dedicated to advancing the state of the art in cloud infrastructure, leveraging cutting-edge technologies and best practices to meet the evolving needs of our customers.

Microsoft CO+I Compliance Team plays a crucial role in ensuring that our cloud infrastructure and operations adhere to the highest standards of legal and regulatory requirements. Our team is dedicated to maintaining the integrity, security, and compliance of Microsoft's global datacenters and cloud services.

We focus on developing and implementing comprehensive compliance policies and procedures to prevent unethical, illegal, or improper use of resources. Our responsibilities include safeguarding confidential and sensitive company data, conducting regular audits, and ensuring compliance with industry standards and regulations. By proactively identifying and mitigating risks, we help maintain a secure and compliant environment for our customers and partners.

Responsibilities

Policy Implementation and Monitoring

• Adopt, tailor, and enforce global compliance standards and policies in the APAC region.
• Ensure all operations align with our Construction Governance, ABAC, Human Rights, Financial Compliance, and Third-Party Risk Management commitments.

Regulatory Vigilance

• Stay updated on datacenter, construction, and technology industry best practices and regulatory requirements.
• Incorporate these insights into the compliance framework to ensure datacenter delivery and operations surpass industry standards.

Training and Advocacy

• Design and implement comprehensive training programs to foster a culture of compliance and ethical business practices across the region.

Incident Management

• Serve as the primary contact for all compliance inquiries and issues within the APAC region.
• Triage to appropriate Compliance SMEs where necessary.

Continuous Improvement

• Regularly evaluate the effectiveness of the compliance program.
• Adapt strategies to meet the dynamic landscape of regulations and industry standards.

Assessments/Audits/Certifications

• Conduct routine and complex assessment/audit projects independently, including assessing and reviewing documentation for internal and external teams.
• Track and monitor results, analyze information to identify areas for improvement, and collaborate with teams to remediate gaps.
• Leverage customer feedback to ensure its inclusion in compliance processes.
• Drive efficiency and scalability for programs.

Consult/Advise/Educate

• Collaborate across teams to ensure communication and application of the same regulations and standards.
• Advise on compliance of products, processes, and programs.
• Educate teams on compliance requirements and monitor compliance.
• Translate compliance standards and processes into relatable forms across multiple teams.

Controls

• Define controls by identifying potential failure points.
• Ensure routine and complex issues are fixed during the design process and implement controls.
• Test controls to determine their effectiveness and suggest improvements.

Governance

• Use understanding of policies, laws, and regulations to make judgments that meet business needs.
• Interpret information to protect Microsoft and customers, and move the business forward.
• Identify and escalate non-conformance.
• Set individual program guidelines at an organization level based on corporate policies and guidelines.

Reporting

• Develop and report compliance metrics and audit issues for internal and external reporting.
• Consult on remediation for reports.

Strategies, Processes, and Tools

• Develop strategies and processes around compliance programs independently.
• Anticipate new areas of focus based on the risk environment and ecosystem.
• Provide requirements for building tools and processes needed for market-leading compliance products and programs.
• Run existing tools and provide feedback on improvements.

Qualifications

Required Qualifications

• Bachelor's Degree in Science, Business, Engineering, or related field AND 6+ years experience in business, legal/regulatory, compliance, audit/consulting firm OR equivalent experience.

Additional or preferred qualifications

• Minimum of 5 years of experience with multinational organizations in construction governance, risk management, compliance, internal audit, and/or a similar field.
• Demonstrated experience in building and scaling risk management or compliance programs, ideally within a data center or technology-focused environment.
• Proven capability in developing and overseeing effective compliance programs.
• Proven ability to lead strategic initiatives, engage with senior stakeholders, and drive cross-function collaboration.
• Strong analytical, organizational, and communication skills.
• Relevant Certification (e.g., International Organization for Standardization [ISO] Lead Auditor, International Association of Privacy Professionals [IAPP], Certified Public Accountant [CPA], Certified Information Privacy Professional [CIPP]).

Benefits/perks listed below may vary depending on the nature of your employment with Microsoft and the country where you work.

Microsoft is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity or expression, genetic information, immigration status, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application process, read more about requesting accommodations.

Main Purpose of Job

To manage the overall process of inducting new Partners and their support staff in relation to the SJP systems and processes. You will support the Partnership to ensure that they are able to process new business efficiently and will identify any improvements that can be made to the process. Working in conjunction with the Partnership Development Manager’s you will also ensure the quality of documentation in relation to suitability letters and the completion of application forms are all completed to a high standard.

Key Responsibilities of the Job

1. Manage the onboarding of partners and supporting staff on all SJP systems and processes.
2. Drive internal management reporting that provide analysis to ensure quality submission of documents and efficient workflow are achieved.
3. Identify opportunities for process improvements
4. Drive changes and improvements in the client experience (from front to back) through various initiatives / projects.
5. Manage and assist implementation and subsequent usage of SJP’s internal platforms as well as change of process flow
6. Work alongside the Partnership Development Manager to ensure Partners understand the advice guidance process to advise their clients. You will need to train best practice around process and quality of advice documentation ensuring high standards are maintained.
7. Manage escalations and assist with issues from Partners and Advisers; provide resolution in a timely manner
8. Provide regular communication and sharing sessions to Partners regarding latest documentation, process flows and best practice updates
9. Actively share information with the team, ensuring team understanding is aligned with business priorities and opportunities

Requirements of the Job

Job Knowledge:

• Degree holder

• Relevant qualifications for the wealth management industry is desirable

• Proficiency in spoken and written English

• Experience in wealth management industry required

• Strong command in IT – Word, Excel, Outlook, etc.

• Experience in Salesforce is mandatory

• Project Management experience is a plus

Interpersonal Skills:

• Ability to drive initiatives independently

• Good and innovative team player

• Multi-tasking with high accuracy

• Strong in time management and communication skill

• Ability to build relationships to deal with Partners, Partner Support staff and 3rd Party providers locally or in the UK

We are seeking a detail-oriented and proactive Finance Assistant Manager to support the Finance Manager in managing and overseeing day-to-day finance and accounting operations. The ideal candidate will have strong communication skills, an advantage in liaising with stakeholders effectively, and the ability to handle multiple tasks with precision.

Job responsibitlies

• Financial Reporting & Compliance: Prepare financial statements, reports, and regulatory filings in compliance with standards and local regulations.
• Budgeting & Forecasting: Assist in drafting and monitoring budgets, forecasting cash flows, and managing funding needs.
• Taxation & Audit: Ensure timely tax filings (e.g., GST) and coordinate with auditors for successful audits.
• Accounts Management: Oversee billing, collections, accounts payable, and maintain accurate aging reports.
• Team Collaboration: Mentor junior staff and coordinate with departments for efficient financial operations.
• Perform hands-on management of daily finance and accounting activities (AR/AP, P&L, balance sheets, GST submissions).

Support the Finance Manager in:

• Preparing and reporting quarterly consolidated financial statements.
• Reviewing financial statements of group companies.
• Preparing for financial closings and audits.
• Developing and reviewing annual budgets.
• Managing cash flows for group companies.
• Review and approve daily payment transactions.
• Perform additional tasks as assigned by the Finance Manager or Management.

Job requirements

• 4–6 years of relevant experience in finance or accounting roles.
• Excellent communication and interpersonal skills, with the ability to liaise effectively with stakeholders.
• Strong analytical and problem-solving skills, with attention to detail.
• Proficiency in financial reporting and budgeting.
• Ability to manage time effectively and handle multiple tasks in a fast-paced environment.
• Organizational skills and the ability to manage multiple priorities.

Job Title: Sales Manager

Location: Henderson

Working hours: Monday – Friday (Office hours)

We're seeking an experienced Sales Manager to lead our supermarket account management team. The ideal candidate will develop and execute sales strategies to drive revenue growth, expand our presence in existing accounts, and establish strong relationships with key decision-makers.

Key Responsibilities:

· Develop, analyse market trends and implement sales strategies for supermarket / petrol kiosk / convenient store accounts to achieve revenue targets.

· Build and maintain strong relationships with key decision-makers at supermarket accounts.

· Manage and grow existing business, identifying opportunities for expansion.

· Negotiate and finalize sales agreements, promotions, and joint business plans.

· Identify and pursue new business opportunities within supermarket accounts.

· Collaborate with cross-functional teams (marketing, logistics, category management) to drive sales.

· Lead, motivate, and develop a team of sales professionals.

· Provide coaching, training, and performance feedback.

· Track sales performance, analysing data to optimize sales strategies.

· Prepare and present regular sales reports to senior management.

Requirements:

· Min. 3 years of sales management experience in the FMCG industry, preferably in supermarket account management with Bachelor’s degree in Business, Marketing or related field will be an added advantage.

· Proven track record of sales growth and account expansion.

· Strong relationships with supermarket retailers (e.g., category managers, buying managers).

· Excellent communication, negotiation, and influencing skills.

· Strategic thinking and problem-solving abilities.

· Strong analytical and data interpretation skills.

Please submit your updated resume in Word format by using the Apply Now Button.

We regret that only shortlisted candidates will be notified

People Profilers Pte Ltd, 20 Cecil Street, #08-09, PLUS Building, Singapore 049705.

Tel: 6950 9741

http://www.peopleprofilers.com

EA License Number: 02C4944

Registration Number: R1106021

Posting Personnel: Sherry Yeoh Xianni

Location: Singapore
Company: Summit Planners Crusaders Pte Ltd
Employment Type: Full-Time, Hybrid

About Us

At Summit Planners Crusaders Pte Ltd, we are a trusted One-Stop Integrated Financial Services Provider offering innovative and tailored financial solutions to individuals and businesses. From wealth management and estate planning to insurance and investment advisory, our goal is to help clients achieve financial freedom while fostering long-term relationships built on trust and excellence.

Are you ready to embrace challenges, think like an entrepreneur, and excel in the world of financial services? We’re looking for a dynamic and driven Relationship Manager to join our team and take your career to the next level.

What You’ll Do

As a Relationship Manager, you will play a crucial role in delivering exceptional financial solutions, cultivating strong client relationships, and driving business growth.

Key Responsibilities:

• Build Strong Client Relationships: Develop and nurture long-lasting relationships with clients, understanding their financial needs and goals.
  Serve as a trusted advisor, providing personalized wealth management solutions.
  
• Drive Business Growth: Identify and pursue new business opportunities through referrals, networking, and targeted outreach.
  Develop and execute sales strategies to achieve and exceed targets.
  
• Deliver Wealth Management Solutions: Provide expert guidance on financial planning, investments, insurance, and estate planning.
  Conduct regular portfolio reviews and recommend adjustments to align with clients’ objectives.
  
• Showcase an Entrepreneurial Mindset: Approach challenges with creativity and confidence, proactively seeking opportunities for growth.
  Take ownership of your client base and contribute to the company’s success.
  
• Stay Ahead of the Curve: Stay updated on financial markets, trends, and products to deliver informed advice.
  Ensure compliance with regulatory standards and internal policies.
  

What You Bring

• Educational Qualifications: Minimum Polytechnic Diploma or higher.
  
• Skills & Attributes: Entrepreneurial mindset with a passion for challenges and innovation.
  Excellent interpersonal and communication skills to build rapport and inspire trust.
  Strong client relationship management, wealth management, and business development expertise.
  Proven sales skills with a track record of achieving targets.
  
• Certifications: CMFAS certification is advantageous but not mandatory.
  

What We Offer

• Attractive Compensation: Competitive salary with performance-based bonuses.
• Incentive Trips: Yearly trips to reward and celebrate your success.
• Recognition: Awards and accolades to recognize your outstanding achievements.
• Career Advancement: Clear growth pathways in a supportive and dynamic work environment.
• Supportive Culture: A team-oriented environment that fosters collaboration, innovation, and success.

Why Join Us?

At Summit Planners Crusaders, we don’t just offer a job—we offer a journey of growth, rewards, and meaningful impact. You’ll have the opportunity to shape your career, unlock your potential, and achieve extraordinary success, all while transforming the lives of your clients.

If you’re ready to challenge yourself, inspire others, and redefine success, we want you on our team!

As Sales Manager within the LifeTech Sales team, you will be responsible for driving incremental new business to DLL by both Relationship Management and Business Development activity, across a mix of DLL’s global and local technology and healthcare partnerships, and direct customers, in Singapore. The role will also be a key liaison on designated accounts with internal departments of DLL including Sales Support, Credit, Operations, Collections, Legal, Finance and Asset Management.

Based in Singapore, the role will be directly responsible for key designated accounts, with an individual sales target. Typical KPIs will include new business volume, margin and other income, partner satisfaction, call activity, and compliance

Find out more here about how you can unleash your full potential at DLL.

Day to day

Expand and maintain existing partnerships through proactive relationship management. Increase new business volume and DLL share of partner business, through customer visits, deal structuring, problem solving, and process improvements.

· Develop and execute program management strategies to exceed sales budgets in place for existing partners including new business volume, margin and fee income with pipeline management.

· Develop new programs with global and local partners in technology and healthcare industries to drive business growth, leveraging DLL’s global network of partners as well as local relationships.

· Training and development of partner sales teams to ensure high levels of finance penetration and attraction of a high-quality customer base.

· Handle first-line escalation for non-standard enquiries, including pricing, changes in Terms & Conditions, priority deal management and settlement exceptions. Also act as first-line support for partner queries on deal status for designated accounts and other matters.

· Work with partners to drive efficiencies and process improvement, in particular to streamline the handling of incoming applications, approvals and settlements as required.

· Work with customers direct to meet their broader finance requirements, that also fall outside of DLL-partner-led business.

· Identify and resolve problems before they impact on the vendor and/or their customers.

All members enjoy

· Two working days per year volunteering for a local charity.

· Health and Wellness program including healthy food, free health checks, fun health & vitality activities.

· Flexible hours with possibility to work from home

· Career development opportunities: online learning, member development programs.

· Click this link for an overview of all the benefits in your region.

“We not only live up to the expectations of our customers for today, but also anticipate their market needs of tomorrow.”

Essentials

• Minimum 10 years experience in a vendor or channel-focused finance sales / business development role, including success in developing new partner programs.
• Strong understanding of equipment financing in the technology and healthcare markets, including a high technical competence in equipment finance products and associated processes.
• Deadline driven, and with excellent time management skills.
• Self-starter, able to self-motivate and work autonomously in a fast-paced environment with an adaptive approach.
• Positive, can-do attitude is essential with a high attention to detail and a strong compliance focus
• Excellent communication skills – verbal & written.
• A growth mindset, with proven ability to constantly improve oneself.
• High level of interpersonal skills, including an ability to develop close relationships at all levels, and across new referral partners, existing partner contacts, and DLL internal (local and global) stakeholders.
• Demonstrated experience in identifying customer needs and going above expectations in delivering solutions that exceed expectations.

Choose wellbeing

DLL’s wellbeing ambition is to educate, equip, and empower members to build connections, manage their mental, emotional, physical, and financial wellness, and maintain balance between work and the other priorities that make up their lives.

Our four wellbeing categories are as follows:

• Connection – Build meaningful connections with other members
• Health – Manage mental, emotional, and physical health
• Finance – Provide learning opportunities to help members achieve personal financial health
• Lifestyle – Maintain balance between work and life priorities

These are the things that matter to our members and the wellbeing of our members matters to DLL!

Settling in

At DLL, we are many things. We are team members, family members, community member. We are members of society, members of different cultures and nationalities. Members of change. We each have different beliefs, different passions, different viewpoints, talents and interests. We come from different backgrounds, cultures, nationalities and histories.

But for all of our differences, we share one thing in common: each of us are members of DLL.

Our company was founded in the Netherlands. But today we are truly a multinational business. Our unique culture is rooted in higher collaboration, less hierarchy and a honest directness that enable us to integrate, ideate and innovate across country lines.

Many companies say they are European, American, Asian or Australian, at DLL we are all these places and more.

We are a cross-culture collaborative – an interconnected network – that comes together every single day with one goal in mind:

Partnering for a better world.

Good to know

· The selection process may involve an assessment

· Applications via email will not be reviewed. Please apply online via our career website

· DLL’s referral program applies

· For more information, you can contact Indie Bayliss, Talent Acquisition Partner via [email protected]

DLL appreciates the time you spend applying to our openings. We advise only those who qualify for an interview will be contacted. Hiring subject to successful completion of a background check.

DLL is an equal opportunity employer. We are committed to inclusive, barrier-free recruitment and selection processes and work environments. If contacted for an employment opportunity, please advise Human Resources if you require accommodation in accordance with our values and all applicable legislation.

Responsibilities

1. Systems and Process Improvement

• Set up treasury system and processes to gear up for business growth
• Co-lead finance transformation and straight-through processing (STP) initiatives, leveraging on electronic transfers, automated data capture, electronic documentation and communication, and to centralize data on designated platform(s).

2. Financial Close, Reporting, Budgeting and Tax

• Manage accurate and timely monthly, quarterly and yearly financial close and financial reporting
• Responsible for MAS compliance reporting of various entities
• Ensure returns for corporate income tax, Goods & Services Tax (GST), Withholding Tax and other relevant taxes are submitted, and timely payments are made to relevant authorities
• Preparation of budget and forecast, monitor and review performance against the budget and reporting of variances to management
• Manage statutory internal and compliance audit based on requirements of ACRA, financial reporting standards, Securities and Futures Act and COSO Risk Management and Internal Control Framework

3. Treasury and Cash Management

• Effective management of working capital cycle of different entities and maintain sufficient liquid funds for timely payment, and unexpected events
• Monitor and reconcile daily bank and book balances, and generate liquidity report for risk management
• Recommend and execute investment strategies to generate returns for corporate and settlement fund. Accounting for investment income, provides reports to members on returns of their collateral fund, and treasury reports to management
• Monitor FX exposures and recommend / execute mitigation strategy
• Assist with negotiation of credit and credit insurance facility
• Onboard new banks by managing KYC, bank account opening, organize necessary approval
• Review and manage ongoing bank requirements to achieve optimal banking solutions

4. Internal Controls and Compliance

• Manage Securities and Futures Act compliance and audit register
• Participate in annual reviews of finance policies and procedures within the enterprise risk internal control framework
• Liaise with internal and external auditors
• Manage outsourced finance service providers to deliver optimal finance service

5. Proactively contribute and collaborate in projects and other strategic finance initiatives to support the evolving needs of the organization

Requirements

• Bachelor’s degree holder major in finance, banking or accounting is required.
• 10 years of working experience in various finance roles, in an exchange, banking or commodity environment
• Familiar with the Securities and Futures Act, banking regulations and financial reporting standards. CPA or MBA holder will be an added advantage.
• Well verse with derivatives, investment products, credit facilities
• Proficient with MS Office, ERP, treasury, budget and reporting applications
• Self-starter with strong numerical, analytical, and problems solving skills.

Responsibilities

• Responsible for supporting partnering institution's full go-live lifecycle (pre-sales, solution design, integration, go-live and after-sales operational excellence);
• Be the subject matter expert on knowledge of digital payment and remittance service and APIs, and international industry-standard integration methods and best practices;
• Act as the internal product advocate for our partners to drive product inprovement strategy and contribute to the overall product roadmap
• Formulate new internal processes and rollout plans which involve coordinating acros multiple internal functions including operations, product and technical teams for new product features releases
• Client engagements to ensure the best implementation and cross-border remittance best experience and practices

Requirements

• Bachelor's degree or above in Business/ Finance / Economics / Computer Science, with strong interests in developing a career in FinTech payment space.
• Minimum 5 years of global experience in digital payment and remittance space, with extensive experience in implementation, product management, product delivery, product solutionining and client support.
• Excellent proficiency in both English and Chinese Mandarin in order to manage internal and external stakeholders from vast backgrounds and craft technical documents and materials in both languages
• Being innovative, have strong problem-solving capabilities and able to adapt to new processes and procedures quickly, while dealing with many varied product support requests and challenges
• Possess excellent team management capabilities, project management, and resource coordination capabilities, and able to effectively accelerate implementation of cooperation projects

About the company

Our client is a renowned FMCG multinational corporation and we are looking for an Assistant Accounting Manager to join their team.

About the job

As a key member of the finance team, reporting to the Senior Finance Manager, you will manage the full accounting process, including overseeing monthly closing activities, journal posting, audit schedule preparation, and bank reconciliations. You will also support daily retail operations such as retail sales and cash reconciliation. In this role, you will collaborate with both internal and external auditors, as well as regional and global finance teams. Additional responsibilities include assisting with statutory filings, preparing financial statements, and managing IFRS 16 lease accounting. You will contribute to annual budgeting, quarterly forecasting, and provide analysis comparing budget and forecast figures to actual results, supporting business decisions. Furthermore, you will review business deal packs for new store openings, offering valuable financial insights to relevant stakeholders. Other duties include overseeing stock counts, special projects, and financial analysis and reporting. The ideal candidate thrives in a dynamic, fast-paced environment, enjoys working on improvement projects to optimize processes, and is a team player who is agile and adaptable. projects to improve work processes. Someone who is a team player, agile and adaptable.

Skills and experience required

A recognised degree in accounting or ACCA or equivalent with at least 6 years of relevant experience ideally coming from consumer related MNCs. Candidates with past experience in Big4 audit would be highly advantageous.

Why is this a good role?

This is a great role because it offers the opportunity to work in a vibrant and enjoyable work culture, where collaboration and innovation are encouraged. With the company performing well, you'll gain valuable exposure to various aspects of the business, which will help you develop a diverse skill set. Additionally, the role provides ample opportunities for internal rotations, allowing you to grow and advance within the organization while experiencing different areas of the business.

To apply online please use the 'apply' function, alternatively you may contact Adriel Law at [email protected] (EA:94C3609 / R1655690)

Job Description:

-Develop strategic investment opportunity of new business related to realization of decarbonized and recycling-oriented society in Southeast Asia and surrounding areas by utilizing day to day networking and information collection with Japanese and foreign government agencies as well as private companies (Financial institutions, trading companies, electric power & gas companies, shipping companies, consulting firms etc.)

-Execute and manage a new investment project with internal coordination and collaboration with relevant head office departments in Japan (business divisions, finance/accounting, legal affairs, etc.)

-Support appropriate business operations of the company as the ENEOS Group's main overseas group company, and initiatives to improve the efficiency of business operations.

-Assist the Managing Director's and Deputy Managing Director’s mission from the perspective of Business Development

-Contribute to the identification and development of future management personnel and high-level professionals by paying attention to the human resources in the company.

-Liaise with Headquarters (ENEOS Corporation in Japan)

-Carry out other duties assigned by Managing Director and Deputy Managing Director as and when necessary.

Job Requirements:

Master of science or engineering or equivalent is required

At least 15 years of relevant experience in oil trading / oil and gas industries

At least 2 years work experience in business development and at least 5 years work experience in facility planning.

Proficient in MS Office (Excel, Word, Power Point)

Ability to communicate in fluent English to communicate with colleague and clients well.

Ability to speak and write in fluent Japanese language is required to communicate and negotiate with Japanese speaking associates and clients and to report to headquarter managements and employees in Japan who cannot speak and write in English well.

Strong negotiation and analytical skills with a strategic mind

Meticulous with good communication and presentation skill

An effective team player who is innovative and forward thinking

Note:

We regret that we will not be able to respond to all applications as only shortlisted candidates will be notified.

Job Description :

Exploit and develop new customers of solar power projects in Southeast Asia and surrounding area

- Marketing of solar power business in Southeast Asia and surrounding area

- Formulate marketing strategy

- Cooperate with subsidiaries of ENEOS Corporation in Southeast Asia and surrounding area

- Report the marketing activity to ENEOS Corporation (Tokyo head office)

- Investigate the trend of solar market and competitors

- Networking with existing and potential customers, EPC contractors and O&M providers etc.

- Problem solving of solar power projects

- Carry out other duties assigned by Managing Director, Deputy Managing Director and General Manager as and when necessary.

Job Requirements:

- Master in Business Administration degree or equivalent is required

- Ability to communicate in English and Japanese in business level

- Experience in energy industry for 5 years or more

- Experience in solar power business is preferable

- Skills in Negotiation and well-communication with customers and colleagues of related departments in ENEOS Corporation (Tokyo head office)

- Knowledge in solar power business

- Knowledge in investment, financing, legal and tax which is necessary to evaluate and develop solar power projects

- Frequent business trips to Southeast Asia and surrounding area are required

- Skill of MS Office (Excel, Word and Power Point）

Note:

We regret that we will not be able to respond to all applications as only shortlisted candidates will be notified.

RESPONSIBILITIES:

• Proactively investigate, negotiate and resolve claims regardless of its complexity.
• Provide technical expertise to the Financial Line claims team in Asia.
• Ensure claims are handled within authority limits and in adherence with internal guideline.
• Understanding of relevant legal processes and procedures and litigation management.
• To manage brokers, clients and relevant stakeholders
• To negotiate and deal with contentious situations

REQUIREMENTS:

• Degree holder
• Legal background is an advantage
• Direct experience in handling different classes of Financial Lines/Casualty claims
• 5-7 years related working experience
• Strong knowledge of insurance industry and claims processes
• Experience in handling legal cases
• Able to work independently

Interested candidates who wish to apply for the advertised position, please click on “Apply”. We regret that only shortlisted candidates will be notified.

EA License No.: 01C4394 (PERSOLKELLY Singapore PTE LTD)

By sending us your personal data and curriculum vitae (CV), you are deemed to consent to PERSOLKELLY Singapore Pte Ltd and its affiliates to collect, use and disclose your personal data for the purposes set out in the Privacy Policy available at https://www.persolkelly.com.sg/policies. You acknowledge that you have read, understood, and agree with the Privacy Policy.

Company’s profile
Julian Grey's client specialises in electrical engineering services, offering high-quality installation, design, and supply solutions.

Responsibilities:

• Lead and manage the project team, conduct regular project status update meetings with the team.
• Oversee project execution, ensuring compliance with safety, quality, design, procurement, construction, budget, schedule, and PQP standards.
• Assign qualified team members to projects and manage all stakeholders for smooth execution.
• Approve purchase requisitions and invoices promptly, and control project costs to maintain profit margins.
• Achieve project objectives, such as on-time delivery and staying within budget, escalating challenges to the management as needed.

Requirements:

• Minimum 5 years of experience in a managerial role within the construction industry
• Experience with LTA/MRT projects is a plus

Follow us for more updates, interview tips!
https://www.instagram.com/juliangreygroup/
https://www.linkedin.com/company/juliangreygroup/
https://www.facebook.com/juliangreygroup/
Our telegram channel for job opportunities - https://t.me/jobopportunitiessg

Please WA Jian Wei @ 87389860
Shortlisted candidates will be notified

Quek Jian Wei
Reg No. R22110928
Julian Grey Corporate Advisory Pte. Ltd.
EA License No: 19C9568

Sales Manager

• Working Days: Monday - Friday
• Working Hours: 08:30 AM – 06:00 PM
• Location: Boon Lay
• Salary: $5,500 - $7500 (depending on exp)

Job Responsibilities:

• Manage teams of sales representatives.
• Plan and execute sales penetration and promotion campaigns.
• Train sales representatives on sales techniques and accompany new representatives on sales calls to mentor them, particularly in pharmaceutical products.
• Supervise medical representatives in the field to develop and improve selling skills.
• Analyse market situations to support business decisions.
• Coordinate with the marketing department to facilitate the implementation of marketing plans.
• Ensure team budgets and goals are achieved through effective motivation and coaching.
• Conduct regional meetings to articulate regional plans for sales action.
• Stay updated on the latest pharmaceutical products to identify marketing opportunities and train representatives effectively.
• Report to management on sales performance.

Job Requirements:

• Bachelor's Degree or Diploma, preferably in pharmacy, pharmaceutical, biomedical sciences, or business-related studies.
• Minimum of 5 years of working experience in the pharmaceutical industry, preferably in sales to hospitals, aesthetic centres, or clinics.
• Possess own transportation

✅The Supreme HR Advisory Pte Ltd EA No: 14C7279

✅SAMUEL SIAW Reg No: R24124745

Company’s Profile
Julian Grey’s client is a solution provider for security and enterprise applications.

Responsibilities

• Accomplishes strategic objectives by overseeing multiple project activities
• Manage project delivery life-cycle within scope, schedule and budget using sound Project Management processes and standards
• Responsible for end-to-end project management covering requirements gathering and analysis, design, systems / software development, construction, delivery, integration, systems / data migration, testing, commissioning and maintenance services
• Map out the overall project management plan and ensure that the roles and responsibilities, objectives, commitment, deliverables, schedule, critical path and risks are clearly defined and communicated to team members and customers
• Manage project budget and costs with the objective to maximize revenue and margin achievements
• Establish a risk management plan for a structured approach to identify and review potential risks and mitigation actions
• Proactively manage changes in project delivery with proper impact analysis, resolutions and contingencies plan.
• Build a high performance delivery team, and provide effective leadership to the team members
• Maintain a pro-active and responsive relationship with all stakeholders, both internal management and customers, to provide regular and accurate progress updates, problem reporting, escalation and resolution processes
• Participate in pre-sales activities & work with solution team to develop the Request for Proposals (RFP)

Requirements

• Possess at least 3 years' experience in IT project management and have experience with handling government IT projects
• CITPM / PMP certified
• Strong interpersonal and communication skills. Able to provide excellent customer service and ensuring customer satisfaction
• Good team player and willing to work across multiple teams and functions
• Meticulous & goal-oriented to ensure project timelines are adhered to & project goals are met

Follow us for more updates, interview tips!
https://www.instagram.com/juliangreygroup/
https://www.linkedin.com/company/juliangreygroup/
https://www.facebook.com/juliangreygroup/
Our telegram channel for job opportunities - https://t.me/jobopportunitiessg

Please WA Justine @ 9755 9161

Shortlisted candidates will be notified

Justine Lam Nyok Yuen

Reg No. R1218722

Julian Grey Corporate Advisory Pte. Ltd.

EA License No: 19C9568

Technical Manager (Mechanical (ACMV))

Working Day: 5Day | Mon – Fri 8.30am – 6pm

Location: Ang Mo Kio

Salary: $6,000 - $9,000

Requirements

Degree / Diploma in Electrical Engineering, Mechanical Engineering or Building Services.

Min 8-10 years’ experience in Mechanical (ACMV) services.

Good knowledge in Mechanical works, planning capability and authorities / statutory compliance.

Good knowledge and experienced in Design & Build Tender for Mechanical (ACMV) services is preferred

Job scope

Preparation and submission of Mechanical tenders, including reviewing technical specifications, cost estimates and project timelines.

Taking charge on Mechanical QS related matters and responsible from tender to pre-contract and post contract administration duties.

Prepare tender clarifications, liaise with consultant, attend site visit and tender briefings/meetings.

Responsible for interpretation of specifications, compliances, review of tender drawings for any discrepancies and any other relevant document.

Conduct detailed technical evaluations of tender documents to ensure compliance with project requirements and industry standards.

Identify potential risks and challenges associated with tender submissions and develop mitigation strategies.

Plan and execute with tender team to achieve KPI.

Suggest Value Engineering solution for MEP works, if required, in the tender.

Assist in the presentation slide, technical write up for tender submission/interview and attendance of tender interview.

Involve in project write up such as understanding scope of work, manpower histogram, programs and project schedule using Microsoft Project software.

Provide technical expertise and guidance to support the decision-making process during tender evaluations.

Evaluating quotations from sub-cons/suppliers according to tender requirement.

WhatsApp: https://wa.me/6591044149 (Shermaine)

Siah Sze Ming Reg No: R24125414

The Supreme HR Advisory Pte Ltd EA No: 14C7279

Roles & Responsibilities:

• Manage Channels, Client Lifecycle & Compliance testing across the platform.
• Work with IT Project Manager, System Analyst, Business Analyst, and testing vendor to define and agree on testing strategy, scope and coverage.
• On board new test resources and ensure appropriate planning is done.
• Manage testing vendor team and handle statement of work.
• Support testing team throughout test cases design and execution of test cases.
• Review test scenario and test cases created.
• Co-ordinating with various teams to ensure testing schedule and deadlines are met.
• Reviewing deliverables such as Test cases, Test plans, Requirement Traceability Matrix, Closure reports, daily and weekly status reports.
• Track and manage defects throughout the test period until closure and sign off for the SIT, UAT, Regression and performance testing.
• Monitor progress of test execution to ensure meeting testing timeline.
• Ensure all of testing deliverables are met and the OCBC procedures and processes are adhered too.
• Conduct Defect management meeting with development vendors/internal teams and UAT users.
• Solution upcoming projects to provide the testing cost for those initiatives.
• Planning, monitoring, and control of all testing activities and tasks.

Qualifications

• Proven working experience in test delivery with 10+ year of relevant experience in banking and Finance, with 5+ years of Test Management experience.
• Strong testing domain in Client onboarding for Wealth Management and MSCRM experience is a MUST and the candidate needs to have the skillset listed in table below:

Skillset

Domain and Product Knowledge

• Extensive working Knowledge on Client lifecycle (Client Onboarding, Client Maintenance, Account Mandates, Client Periodic Reviews, Account Closure) is required.
• Comprehensive knowledge on Compliance requirements for Private Banking customers (Name screening, Risk scoring, Client Suitability Reviews, Source of Wealth validation, AML, Suspicious Transaction reporting) is required.
• Comprehensive knowledge on interfaces involved in supporting the Private Banking customers and accounts services.
• Comprehensive knowledge on MSCRM. Is required
• Extensive knowledge on Digital Channel implementation (Web, and Mobile) for Front Office users, IAM users and Clients.
• Comprehensive knowledge on Client Reporting and Regulatory Reporting.
• Good knowledge of SDLC processes, testing methodology and different types of testing.
• Strong domain knowledge in Client Lifecycle Management Digital Channels is a MUST
• Familiarity of testing tools such as JIRA, Confluence etc.
• Experience in a wide variety of testing efforts, techniques, and tools.
• Good vendor management skills and proven experience in stakeholder management.
• Experience in resource management and leading the team.
• Excellent communication (spoken and written) skills, able to work independently and as a team player.
• Bachelor’s degree in computer science, Information Technology, or a related field. Master’s degree is a plus.
• Relevant certifications (e.g. ISTQB Certified Test Manager) are highly desirable.

COMPANY DESCRIPTION

A leading general insurer with a local presence of over 100 years, MSIG Singapore offers an extensive range of insurance solutions for commercial and personal risk protection, enabling the security and safety of individuals and businesses. MSIG Singapore holds an A+/Stable financial rating by Standard & Poor's.

A testament to its growing strength and influence, MSIG Singapore has garnered numerous awards for delivering digitally innovative and customer-centric solutions. In 2023, 2022 and 2020, MSIG Singapore was awarded Insurance Asia Awards' Claims Initiative of the Year.

MSIG is a subsidiary of Mitsui Sumitomo Insurance Co., Ltd, and a member of the MS&AD Insurance Group one of the largest general insurance groups in the world with presence in 50 countries and regions globally, 18 of which are in Asia Pacific including all ASEAN markets as well as in Australia, New Zealand, China, Hong Kong, Taiwan, South Korea and India. Headquartered in Japan, MS&AD is amongst the top non-life insurance groups in the world based on gross revenue.

RESPONSIBILITIES

• Establish and maintain a prominent profile with clients/intermediaries
• Develop new and existing sales opportunities to meet growth targets
• Ensure risks are accepted and underwritten in accordance with the Company's Risk Management and Reinsurance guidelines
• Undertake credit control ensuring the standard for debtor days are strictly adhered to
• Provide a technical reference point for queries
• Carry out quality assurance checks and assist in training of less experienced staff
• Guide team members in technical aspects of business
• Ensure maximum efficiency and effectiveness in work processes within the department
• Assist Senior Vice President/ Head Of Department, Assistant Vice President and Manager in managing Agencies Business Unit to achieve desired plan
• Undertake any other duties as may be assigned

• Tertiary qualification, preferably with a professional insurance qualification e.g. ACII
• Minimum Certificate in General Insurance

• Operational experience in general insurance environment
• Business development, marketing and presentation skills
• Sound knowledge in underwriting, reinsurance and risk management
• Good communications/ negotiation skills
• Relationship building

Position Overview
We are looking for an experienced and detail-oriented IT Procurement Operations Senior Manager with expertise in managing procurement systems to join our operations team. This role is responsible for overseeing procurement operations, managing vendor and stakeholder relationships, and optimizing the use of digital procurement tools to enhance purchasing efficiency.

Role & Responsibilities

• Manage the complete procurement lifecycle, including sourcing, evaluation, contracting, and vendor management
• Leverage procurement systems to create purchase orders, manage contracts, and track procurement activities effectively
• Work closely with cross-functional teams to ensure procurement processes align with organizational goals
• Negotiate terms and pricing with suppliers to secure optimal agreements and achieve cost efficiencies
• Monitor vendor performance and implement corrective measures to maintain service quality and performance standards
• Establish and nurture relationships with key suppliers to encourage collaboration and support continuous improvement efforts
• Analyze procurement data regularly to identify trends, cost-saving opportunities, and process enhancements.
• Provide guidance and support to internal stakeholders regarding procurement policies, procedures, and best practices
• Stay updated on industry developments, market trends, and regulatory changes related to procurement and supply chain management

Requirements

• A bachelor’s degree in supply chain, business administration, IT, engineering, or a related field
• A minimum of 8–10 years of experience in procurement
• Familiarity with IT procurement and experience in formulating and reviewing procurement policies is advantageous
• Proficiency in procurement system management, particularly in handling purchase-to-order, source-to-contract management, and supplier collaboration tools
• Strong negotiation skills with a proven ability to drive cost reduction initiatives
• Excellent communication and interpersonal skills to engage effectively with internal and external stakeholders

Meta seeks a highly skilled and experienced Stakeholder Engagement Manager to join our Content Policy Stakeholder Engagement team.

As a Stakeholder Engagement Manager, you will be responsible for building and strengthening relationships with external stakeholders in the APAC region and globally, with a focus on informing and engaging around our content policies. This involves working closely with NGOs, academics, and other thought leaders to bring global knowledge and feedback into the policy development process.

The ideal candidate for this role will be a skilled professional who can think strategically, adapt quickly, work independently, and function in a fast-paced environment with shifting priorities. They should be able to analyze complex information and develop effective engagement strategies. Intellectual curiosity is also highly valued in this position.


This is a full-time position based in Singapore.

Responsibilities

• Develop and execute stakeholder engagement strategies to support the development of content policies that reflect the needs and concerns of diverse communities around the world.
• Identify, cultivate, and establish partnerships and opportunities with key external stakeholders for engagement to develop content policies.
• Build and maintain relationships with key external stakeholders, including civil society organizations, academics, and industry experts in critical content policy areas and seek opportunities to develop collaborative partnerships with them.
• Collaborate with cross-functional teams at Meta to ensure stakeholder feedback is incorporated into policy development processes.
• Monitor and analyze trends in stakeholder sentiment, providing insights to inform policy development decisions.
• Create and deliver presentations and other communication materials to articulate policy positions effectively to external audiences.
• Collaborate with other members of the Trust and Safety Policy team to improve our policies based on external expertise and input.
• Help field policy questions on high-priority escalations, exercising critical thinking and excellent judgment under time pressure.
• Represent the company at external events, conferences, and other external policy engagements.

Minimum Qualifications

• Bachelor's Degree in policy, political science, international relations, law, business, human rights, information sciences, journalism, communication, program management or a related field.
• 8 - 10+ years of experience in stakeholder engagement, public policy, or a related field
• Creative problem-solving, analytical thinking, negotiation, and multi-tasking skills in time-sensitive settings.
• Experience working in a fast-paced, dynamic environment and managing multiple priorities simultaneously.
• Strong written and verbal communication skills and experience communicating nuanced concepts and policy positions to various audiences.
• Experience in leading the design and delivery of stakeholder engagement strategies.
• Experience in engaging with a diverse set of stakeholders.

Preferred Qualifications

• Master’s Degree or equivalent advanced degree in policy, political science, international relations, law, business, human rights, information sciences, journalism, communication or a related field.
• Fluency in an APAC local or regional language as the candidate may be required to review policy in the local language
• Previous roles in civil society, academia, social media platforms, internet companies, technology-focused government departments or think tanks.

Meta builds technologies that help people connect, find communities, and grow businesses. When Facebook launched in 2004, it changed the way people connect. Apps like Messenger, Instagram and WhatsApp further empowered billions around the world. Now, Meta is moving beyond 2D screens toward immersive experiences like augmented and virtual reality to help build the next evolution in social technology. People who choose to build their careers by building with us at Meta help shape a future that will take us beyond what digital connection makes possible today—beyond the constraints of screens, the limits of distance, and even the rules of physics.

An assistant finance manager's responsibilities include:

• Financial operations: Overseeing financial operations and providing insights for strategic decision-making
• Budgeting: Assisting in budget preparation and forecasting
• Reporting: Writing monthly financial reports, including income statements, balance sheets, and tax returns
• Accounting: Assisting in the management of accounting procedures and systems
• Financial analysis: Reviewing reports and analyzing projections of sales and income against actual figures
• Compliance: Assisting in complying with all financial and legal requirements
• Team management: Assisting in the smooth running of the team and contributing to their training and development

Some other tasks an assistant finance manager may perform include: Invoicing, Issuing purchase orders, Implementing and managing procurement processes, and Filing the company's taxes