As a Senior Actuarial Analyst in the Department, you will:

• Work with a multitude of internal and external stakeholders (consultants, industry workgroups, government ministries/agencies etc) on actuarial and insurance-related tasks and projects.
• Setup and perform ongoing enhancement of the actuarial processes and workflow (covering modelling, valuation, experience studies, key risk monitoring, pricing analysis etc) to manage the CPFB insurance schemes.
• Operationalise regulatory framework and industry best practices for CPFB insurance schemes.
• Conduct research on actuarial approaches relevant for CPFB insurance schemes.
• Leverage on data analytics to conduct actuarial analyses to support the Board’s initiatives to benefit CPF members.

What we are looking for

• At least 3 years of actuarial experience with robust technical, analytical, and problem-solving skills.
• Good knowledge of actuarial principles, methods, and practices, with the ability to apply them effectively in a business context.
• Proficiency in FIS insurance risk suite (Prophet) and expertise in data analytics/statistical programming (e.g., Python and Power BI) is advantageous.
• Good understanding of the current regulatory framework and industry practices.
• Effective communication and stakeholder management skills.
• A strong passion for delivering high-quality work and devising solutions for challenging industry issues.
• Good progress in professional actuarial qualifications is preferred.

Seniority of appointment will commensurate with relevant work experience.

What you can expect

• A challenging and rewarding career
• A variety of formal and informal training to enhance your skills in the evolving technology landscape
• Promotion opportunities based on your capability and on-the-job performance
• A friendly work environment with like-minded colleagues to co-create and collaborate together
• A hybrid work model allowing remote work for up to 50% of the time, contingent upon the exigencies of service
• A productive yet growth-oriented workplace with a flexible dress code empowering you to decide your appropriate outfit for the day
• A comprehensive rewards package
• Annual leave and pro-family leave
• Medical and dental benefits
• Access to recreational activities
• Position is on 2-year full time contract directly under the payroll of CPF Board with potential for emplacement into permanent position.

Job Description

You will be a member of the Group Information Security Team responsible for ensuring that IT solutions are developed and designed with security inbuilt.

Key Responsibilities

• Provide security consultancy, technical guidance, expertise, solutions, and education for the enterprise.

• Advise IT application and infrastructure teams on application and infrastructure security design that is relevant and fit for purpose.

• Align security architecture frameworks and standards with business strategies and functions. Maintain Cyber risk management framework and perform assessment of applications for emerging areas like cloud security, machine learning etc.

• Advise and review application security design to detect potential security issues and for each issue, propose and drive remediation tasks. Develop application security blueprints. Propose and/or develop training courses to advance developers’ security knowledge.

• Advise and review security by design concepts in Cloud platforms such as GCP, AWS or Azure Cloud.

• Advise and review the compliance of integrating security tools and processes into the DevOps pipelines.

• Advice and review the adherence to security requirements for low code platforms.

• Perform threat modeling on security-critical applications. Keep up to date on emerging security threats and vulnerabilities on new platforms adopted by the SIA Group. Define scope and review the results of security tests, reviews, and audits to ensure security assurance is achieved.

• Manage individual project priorities, deadlines, and deliverables. Any relevant ad-hoc duties.

• Review RFP proposal compliance with security requirements.

• This is an individual contributor role. Strong communication skills are required.

• Note: You could be posted to any subsidiary in the SIA Group.

Requirements

• Degree in IT or related fields, with at least 7 years in information security, especially in the application security space.

• Professional security certifications (CISSP, CSSLP, CEH, CCSP, etc.) preferred.

• Technical proficiency in one or more of the following security areas: network design, zero trust, Internet of Things, cryptography, etc.

• Strong in-depth working knowledge of secure application development techniques. Secure by Design. Secure source code review. Prior experience with any of the following tools: Static Application Security Testing (SAST), Dynamic Application Security (DAST), and Software Composition Analysis (SCA).

• Strong understanding of Agile, DevSecOps, OWASP Top 10, and securing cloud platforms, such as AWS and GCP. Familiar with common web/mobile application vulnerabilities and technical knowledge to address and mitigate vulnerabilities.

• Knowledge of cyber security threats, vulnerabilities, hacking, and exploit methods, etc. Any prior vulnerability management experience is preferred.

• Strong understanding of technologies such as WAF, Anti Bot Protection

• Prior experience in application development and knowledge of the DevOps platform is desired.

• Strong oral, written, presentation and interpersonal skills.

• Possess a positive attitude with drive, initiative, enthusiasm, and a keen sense of urgency in resolving high-priority issues.

• Able to work independently and in a team-oriented, collaborative environment.

This role is responsible for reviewing, identifying, and resolving accounting errors or misstatement to ensure Financial Statement is accurate and achieving clean audit opinion without surprises by optimizing control environment in all aspect of accounting transactions.

1) Support operational activities by

• Validating and approving journal entries, sometimes request journal posting
• Managing Fixed Assets capitalization
• Managing Intercompany process
• Managing Overhead (OH) process
• Managing Client Overrides billing from GST perspective
• Supporting month-end/quarter-end/year-end closing and ensure processes performed by GFS and the outsourced team are properly executed (review for irregular/unexpected transactions and working with the right parties for rectification to ensure completeness and accuracy)
• Preparing and posting Hyperion Financial Management (HFM) journal, performing validation and enrichment
• Performing GST and Withholding Tax submission (including Certificates of Residence (COR) submission)
• Performing and reviewing COSO compliance
• Performing monthly Profit & Loss (P/L) and Balance Sheet (B/S) variance analysis to monitor and report to Finance Manager any issue
• Reviewing B/S accounts reconciliations completed by the outsourced team (WNS)
• Preparing Risks and Opportunities (R&O) reporting

2) Understand all transactional accounting workflows and support the end-to-end process of accounting analytics and financial & management reporting.

3) Work with external tax advisor to prepare the details/breakdown required for Corporate Tax filings before submission timeline.

4) Assist on statutory accounts, to provide audit work documentation to satisfactorily answer the queries that are requested by the Internal or external auditors in order to collaborate to obtain clean audit reports, including preparation of draft Financial Statements.

5) Monitor and manage service performance of the outsourced provider, WNS. When there is change/new process design and communicate the revised/new workflow with WNS and request them update Desktop Procedures Manual (DPM)

6) Identify continuous improvement opportunities, implement change, support improvement projects works, and any ad-hoc report or documentation requested to Finance Ops team/as assigned by the management

We are looking for an IT Applications – Business Analystto join the team.

Are you ready to make a meaningful impact in the community care sector? Join us as an IT Business Analyst for the IT Systems Department at the leading Eldercare organisation in Singapore. In this dynamic role, you will spearhead efforts to ensure seamless operation and optimization of our critical applications.

Responsibilities:

• Manage the lifecyle of systems.

• Conduct user research and design solution.

• Gather and document requirements.

• Coordinate projects and manage stakeholders.

• Ensure security and compliance for implemented applications.

• Facilitate continual improvement and review processes.

• Manage change and assess risks.

• Oversee vendor relationships.

Requirements:

• Previous experience in post-life systems lifecycle and IT project lifecycle. Understanding of systems approach and a strong grasp of how digitalization impacts processes.

• Academic education, preferably in IT, Digital Healthcare, Business Process Management, or Project Management.

• Passion and keen interest in the aged care sector. Enjoys digitalization and harbors a fervent aspiration for digital transformation.

• Excellent writing skills for preparing tender and project documentation with precision and clarity.

• Experience in adopting new technologies for business, with a demonstrated ability to quickly grasp and adapt to new concepts and tools.

• Confident communication skills for effectively conveying ideas and exploring the latest technologies with colleagues and stakeholders.

• Attention to detail, with the ability to be resourceful and independent. Takes ownership of tasks and manages time effectively to meet deadlines.

Role Title: Marketing Operations and Analytics Specialist

Location: Pasir Panjang, Singapore

Duration: 12 months contract

Hybrid Working Hours: 9am­ to 6pm

Salary Range: S$4,500 to S$7,300 (depending on experience)

Responsibilities

• Deliver full pieces of an analysis that is integrated into an overarching analytical outcome (e.g., research, experimental design using analytical tools to test hypotheses and draw conclusions, storytelling and consulting to business leaders to drive action, and designing data strategies for reporting and dashboards).
• Translate and refine business questions into tractable analysis and evaluation metrics.
• Plan and execute prioritized work including selecting appropriate methods to most effectively achieve analysis objectives.
• Develop roadmap, and track action plans and risk and issue logs to keep the analysis on track.
• Solve data­related questions based on information gathered on the business domain for effective decision­making.
• Identify and recommend creative ways to improve solutions to defined problems via selection of better analytical methods and tools.
• Apply proficient analytical, problem­solving, and research skills to provide market driven insights that have a moderate impact on business performance.
• Address commonly escalated issues and triage when required.
• Demonstrate strong research skills and awareness of state­of­the­art research methods.

Skills

· Knowledge of the management process of business operations for a given product, service, or domain.

· Ability to understand stakeholder needs through dialogue before conducting analysis and making recommendations.

· Ability to create dashboards to link, report, and analyze metrics based on available data. This includes the ability to prepare effective presentations in content and function, and to speak competently to the level of the audience.

· Ability to analyze information, draw conclusions, generate alternatives and solutions, and evaluate outcomes. This includes the ability to use data to add value to business planning and strategies.

· Ability to convert and/or uncover open-ended real world problems within the business context into trackable metrics or a structured analytical/statistical framework, as well as the ability to generate business-related insights from data analysis in a way that is meaningful to the stakeholders.

· Ability to develop, understand, and apply domain specific technical knowledge to complete assigned work, tasks, and support others in the organization.

· Knowledge of the principles and best practices of designing experiments to address issues or evaluate impact. This includes knowledge of design parameters, sampling strategies, data collection, and analytical techniques.

· Knowledge of advanced statistical methods used to analyze data. This includes the ability to identify and conduct appropriate advanced statistical analysis to evaluate sample adequacy, draw inferences, and solve a variety of data­related problems.

· Ability to influence and inspire an audience by crafting stories using data that elicit empathy or create buy­ in.

· Ability to quickly learn the general concepts and principles in a statistical and mathematical domain, solve or analyze issues or provide useful insights, and demonstrate interest and curiosity in acquiring knowledge across similar domains.

The Role

Reporting to the company accountant in Singapore, the successful candidate will be responsible for the completion of numerous financial activities including monthly management accounts, reporting and KPIs for our Asia-Pacific region which encompasses companies in both Singapore and Japan within a growing global business.

Responsibilities

• Execute all aspects of financial recording and reporting for our Japanese and Singapore business units including: posting of all AP and AR transactions, journal posting, updating of schedules such as fixed assets, etc.
• Manage accounting data and information in spreadsheets or software.
• Handle petty cash expenses including office expenses and travel allowances for employees.
• Process employee payments such as: expense claims, secondment (mobility) costs, payroll preparations, etc.
• Completion and submission of tax returns and other required filings to respective governments in Singapore and Japan.
• Assist the Singapore monthly management accounts
• Assist with yearly audits
• Prepare annual financial budgets for both Singapore and Japan
• Other ad hoc duties as required by management

Criteria

• Must have local professional accountancy accreditation such as: CPA, ACCA, Singapore CA, etc. Please state this in your CV.
• Minimum 4-6 years of experience in accounting field.
• Must have knowledge of GST
• Must have experience in year-end reporting and audits
• Must have experience in management accounts, budgeting and variances
• Good knowledge of MS suite especially Excel; experienced in accounting software
• Able to work independently and manage deadlines
• Demonstrate teamwork within local and global teams
• Organised and able to communicate clearly

Craft Data-Driven Solutions and Shape the Future of Ticketing

Join Singapore's leading ticketing marketplace, a company with a 30-year legacy of delivering exceptional experiences in the arts, culture, sports, and entertainment industries. As a Business Intelligence Analyst, you'll play a pivotal role in harnessing the power of data to propel our organization to new heights.

Unleash Your Data Expertise

Are you a data maestro with a passion for problem-solving and a knack for translating complex data into actionable insights? If so, we're eager to have you join our team of data enthusiasts. Your expertise will be instrumental in shaping our data-driven culture and driving business success.

Your Impactful Contributions

• Delve into our diverse event portfolio and devise innovative business solutions that resonate with our clients across all industries.
• Cultivate exceptional client relationships, uncovering their needs to deliver tailor-made BI solutions that empower their growth.
• Collaborate with our team of Data Engineers, Analysts, and Science gurus to build and maintain cutting-edge analysis and reporting capabilities.
• Transform data into compelling narratives and insights, captivating stakeholders with your data storytelling abilities.
• Embark on data mining and statistical expeditions, uncovering hidden gems that enhance our business performance.
• Partner with teammates to architect robust data marts and introduce smart, adaptable metric frameworks that supercharge our analytics and streamline our BI processes.
• Team up with cross-functional team members, wielding data as your weapon to solve their business challenges.
• Uphold the highest standards of data quality across all our BI assets, ensuring the integrity of our decision-making processes.
• Drive efficiency and resource optimization through continuous improvement in data processing strategies.
• Champion data democratization across the organization, making data accessible and usable for all.
• Share the benefits of our BI ecosystem with our business users, empowering them to tap into existing reports and insights.
• Embrace change and ride the waves of evolution in the dynamic world of BI, adapting to new technologies and methodologies with enthusiasm.
• Stand as the guardian of our data kingdom, meticulously maintaining our data bible, dictionary, and glossary for all our reports and dashboards.

If you thrive in a fast-paced, dynamic environment and seeks to revolutionize the way data drives decisions in the entertainment industry, we'd love to have you join our team!

Job Requirements

• At least 1-3 years of experience working in a BI or analytics function preferably.
• Good working knowledge on SQL and R/Python to perform data querying, building BI models and conducting data analysis.
• Experience in data analysis and deep-dive analysis
• Strong data visualisation skills using Tableau, Qlik, PowerBI, Microstrategy or other relevant visualisation tools.
• Good understanding of ETL/ELT concepts and their relevant use cases
• Experience in gathering BI requirements and structuring specifications to produce business-relevant datasets and ensure data quality of the dataset.
• Passion for democratizing data effectively to the wider organization for self-serve
• Keenness to innovate and improve the BI process beyond basic reporting, seeking ways to add value so that the organisation can consume data more effectively.
• Strong communication skills, able to collaborate effectively with both sides of the business and technical divide.
• A self-starter mindset who takes ownership and excels in a lean and fast-paced organisation.
• Knowledge of Statistics & Machine Learning is a plus.
• Team Player with the ability to work across a matrix environment in a fast-paced environment and constantly evolving environment.

Perks that Elevate Your Career Journey

• Mentorship and Career Guidance: Receive personalized mentorship and career guidance to fuel your professional growth and aspirations.
• Inclusive and Collaborative Culture: Immerse yourself in an atmosphere of inclusion and collaboration, where diverse perspectives and teamwork drive innovation.
• Regional Network Connections and Opportunities: Expand your network and access a wealth of opportunities through our regional connections.
• Constant Innovation and Discovery Challenge: Embrace a culture of continuous innovation and discovery, where challenges become catalysts for growth.
• Fun and Product-Focused Culture: Enjoy a vibrant and product-focused culture, where creativity and passion are celebrated.

• Evaluating business processes, anticipating requirements, uncovering areas for improvement, developing and implementing solutions.
• Communicate with clients to identify and define project requirements, scope and objectives
• Leading ongoing reviews of business processes and developing optimization strategies.
• Staying up-to-date on the latest process and IT advancements to automate and modernize systems.
• Conducting meetings and presentations to share ideas and findings.
• Performing requirements analysis. Documenting and communicating the results of your efforts.
• Effectively communicating your insights and plans to cross-functional team members and management.
• Working closely with clients, technicians, and managerial staff.
• Ensuring solutions meet business needs and requirements.
• Updating, implementing, and maintaining procedures and work flow processes.
• Prioritizing initiatives based on business needs and requirements.
• Monitoring deliverables and ensuring timely completion of projects.
• Participate in project design meetings and propose improvements if necessary
• Evaluate potential problems and technical hitches and develop solutions
• Manage project-related paperwork by ensuring all necessary materials are current, properly filed and stored.
• Direct project correspondences by preparing and reviewing project proposals, memos, meeting minutes and emails
• Supporting project implementation in various way

Requirements

• A bachelor’s degree in computer science or related field.
• A minimum of 5 years of experience in business analysis or a related field.
• Minimum of 1 year experience in Clinical Software Solutions for Long Term Care Industry
• The ability to influence stakeholders and work closely with them to determine acceptable solutions.
• Excellent documentation skills.
• Fundamental analytical and conceptual thinking skills.
• Experience creating detailed reports and giving presentations.
• Competency in Microsoft applications including Word, Excel, and Outlook.
• A track record of following through on commitments.
• Excellent planning, organizational, and time management skills.
• A history of leading and supporting successful projects.

The Application Analyst will be part of the Digital and Information Technology team to implement, maintain and support IT systems in use at Thomson Medical Centre.

The IT systems primarily include Electronic Medical Record System and other clinical related management systems.

He/She will work closely with hospital and clinical business stakeholders to ensure that IT systems meet the business operational needs.

Responsibilities

• Work closely with business stakeholders to understand their business operation process and requirements
• Source and propose appropriate IT solutions that can streamline and improve business operations
• Work closely and support Reporting Officer in the procurement, acquisition and implementation of IT systems
• Accountable, troubleshoot and resolve daily IT systems issues reported within SLA, working closely with vendors, key stakeholders and cross-functional team members
• Prepare and maintain IT Systems documentation such as functional specification, design specification, test specification, operation and user guide
• Manage, perform and support User Acceptance Testing
• Good conversational skills and ability to conduct end user training
• IT operational support
• Covers duties of fellow colleagues in their absence
• Performs any other job-related duties as assigned
• Demonstrates a strong work ethic, embracing the demands of tight deadlines and high expectations
• Strives to meet project timelines and objectives with dedication and efficiency

Requirements

• Recognized Professional Certificate/Diploma/Advance/Higher/Graduate Diploma
• More than 5 years of working experience with at least 2 years in application analyst role
• Involved in IT systems implementation, preferably EMR or other clinic related systems implementation
• Good knowledge in process and workflow mapping and analysis
• Ability to perform data extraction via scripting language preferred
• Good skills in MS Project, MS Visio, MS excel and other job related applications

The Academic Insturctor is required to teach the courses in the undergraduate programs offered by the University at Buffalo, The States University of New York, US, in partnership with Singapore Institute of Management in Singapore.

The roles would include:

• Creation of course design and materials, and implementation of syllabus to meet UB learning objectives;
• Delivery of student-centered, interactive course curriculum, including supervision of project work;
• Create, administer, and mark assessment instruments;
• Evaluate student progress and achievements;
• Hold regular consultation hours;
• Maintain and submit academic records.

Job Requirements:

• A Ph.D or Master's Degree in the exact discipline as specified by the teaching assignment from a nationally or regionally (USA) accredited university is required;
• Terminal degree is preferred;
• At least 2 years of relevant full-time teaching experience in the exact discipline as specified by the teaching assignment at the tertiary level is required;
• Ability to independently operate all class level functions of Blackboard classroom management system, including Grade Center, is required;
• Substantial evidence of an active academic research agenda and recent history of publication(s) in peer-reviewed scholarly journal(s) are strongly preferred;
• 5 years of relevant work experience will be an added advantage;
• Available to teach during day time on weekdays

Note:

• Only short-listed candidates who meet the specified requirements will be notified.
• Remuneration varies based on the number of classes conducted.

This is a 6-month contract role based in Singapore office.

Responsibilities:

• Bring operational excellence to a team that handles a large volume of requests from law enforcement and ensure that all requests are scrutinized and handled in strict accordance with applicable law, our terms of service, and our law enforcement guidelines.
• Review, analyze and process high volumes of incoming requests from law enforcement authorities and governments in the Region, as business need arises, with high quality, speed, and accuracy.
• Record and clearly articulate operational decisions ensuring compliance in line with policies and procedures.
• Implement high-quality and efficient processes and practices for maintaining and exceeding productivity and quality service level agreements.
• Willing and able to maturely work with sensitive issues that may include graphic content which may be considered offensive or disturbing.

Requirements:

• Fluency in English is required.
• Excellent verbal and written communication skills.
• Strong attention to detail to ensure quality of work.
• Self-starter requiring minimal direction.
• Proven ability to analyze information to assess threat and risk.
• Proven ability to make effective decisions independently using good judgement and rationale.
• BA/BS degree and relevant operational experience.
• Experience prioritizing multiple functions and tasks while managing work time without compromising quality.
• General knowledge of the intersection of legal guidance, policy and free speech on the Internet (note that this is not a practicing attorney role).
• Knowledge of social media suite of products.
• Experience working independently and using good judgment.
• Experience with various computer systems, Internet technology and software.

Key Responsibilities

• Develop user interfaces for web applications using React.js.

• Collaborate with UX/UI designers to implement responsive and visually appealing designs.

• Implement state management using Reacts state and context API or popular state management libraries like Redux.

• Build reusable components and front-end libraries for future use.

• Ensure the technical feasibility of UI/UX designs.

• Integrate front-end elements with server-side logic using API calls.

• Collaborate with back-end developers to define and consume APIs.

• Document APIs for consumption by the front-end team and ensure proper communication between front-end and back-end teams.

• Optimize components for maximum performance across a vast array of web-capable devices and browsers.

• Conduct unit testing of components and perform debugging when necessary.

• Collaborate with QA engineers to ensure the quality of the front-end code.

• Participate in code reviews to maintain code quality and adherence to coding standards.

• Work closely with other developers, designers, and product managers to deliver high-quality software.

• Implement responsive design principles to ensure applications work well on various devices.

• Monitor front-end performance and address any issues promptly.

• Stay updated on industry trends, emerging technologies, and best practices in React development.

Requirements

• Bachelor’s degree in computer science, Information Technology, or a related field.

• Proven experience as a React Developer with a strong portfolio.

• Solid understanding of front-end technologies, including HTML5, CSS3, and JavaScript.

• Proficient in React.js and its core principles.

• Experience with popular React state management libraries (e.g., Redux).

• Familiarity with consuming RESTful APIs.

• Strong understanding of asynchronous request handling and data fetching.

• Knowledge of modern authorization mechanisms, such as JSON Web Token.

• Experience with version control systems (e.g., Git).

Job Summary

We are looking for an experienced Infrastructure Analyst to support a project, in the maintenance of Regional Infrastructure Systems within a large financial organization.

Mandatory Skill-set

• Bachelor's, or Master's degree in Information Technology, Computer Science, Computer Engineering, or an equivalent field;
• At least 2 years working experience in IT Support/Infrastructure Engineering;
• Hands-on in ensuring the effectiveness of service management functions like monitoring, network performance, capacity management;
• Demonstrate familiarity with networking principles and protocols;
• Knowledge of system applications such as MS SQL Server, backup software, Application Server, and Checkpoint firewall;
• Have experience in troubleshooting, system administration, and doing the root cause analysis;
• Advanced skills in Microsoft office suite- MS Excel and PowerPoint;
• Exhibit excellent communication skills to effectively interact with both technical and non-technical stakeholders;
• Demonstrate proficiency in troubleshooting and adeptness in problem-solving.

Desired Skill-set

• Command knowledge and practical experience in Information Technology (IT) servers or networks;
• Prior exposure to Virtualization technologies.

Responsibilities

• Collaborate and communicate work across multiple discipline of IT which includes, technical team, Applications, Project Managers and Architects;
• Involved in supporting the Infrastructure delivery services across Asia Region;
• Support the build function by ensuring execution of the major project changes;
• Responsible for the run and change initiatives by partnering with the production and application development teams to meet the SLA for Infrastructure readiness;
• Generate comprehensive documentation such as Maintenance Reports and checklists;
• Maintain accurate records of hardware and software inventory, document maintenance actions, and track issue resolutions;
• Develop and maintain technical documentation encompassing system configurations and procedural guidelines;
• Partner with various teams and tech teams to drive change request for Safety and Soundness which includes EOVS remediation, GEMS and Vulnerability Threat Management;
• Escalate intricate issues to appropriate teams or vendors as needed;
• Apply updates and patches to operating systems, software applications, and drivers to ensure security and optimize performance (Windows Server, RHEL);
• Oversee software license management to ensure adherence to compliance and proper usage;
• Implement robust security protocols to safeguard systems against potential threats and vulnerabilities.

Should you be interested in this career opportunity, please send in your updated resume to [email protected] at the earliest.

When you apply, you voluntarily consent to the disclosure, collection and use of your personal data for employment/recruitment and related purposes in accordance with the SCIENTE Group Privacy Policy, a copy of which is published at SCIENTE’s website (https://www.sciente.com/privacy-policy).

Confidentiality is assured, and only shortlisted candidates will be notified for interviews.

#BeMore

Do you aspire for a rewarding career that lets you do more and achieve more? Unleash your full potential at work with TDCX, an award-winning and fast-growing BPO company.

Work with the world’s most loved brands and be with awesome, diverse people. Be home, belong, and start your journey to #BeMore!

Top reasons to work with TDCX.

• Attractive remuneration, great perks, and performance incentives
• Comprehensive medical, insurance, or social security coverage
• World-class workspaces
• Engaging activities and recognition programs
• Strong learning and development plans for your career growth
• Positive culture for you to #BeMore at work
• Easy to locate area with direct access to public transport
• Flexible working arrangements
• Be coached and mentored by experts in your field
• Join a global company, winner of hundreds of industry awards

What is your mission?

You’ll help us deliver excellent service to our partner brands by performing these tasks:

• Resource planning and fulfilment of billing hours for outbound (80%) and inbound (20%) sales model. Adoption and communication of global scheduling guidelines to appropriate stakeholders.
• Creation and optimization of schedule shells, allocating productive time based on interval level staffing needs, following region specific labor laws. Appropriate distribution of programmed shrinkage (activity codes) to guarantee the accuracy of projections related to productive staffing commitment.
• Provide visibility and reporting capabilities of main KPIs related to scheduling functions such as projected interval compliance, and bidding completion. Create data models to forecast long/short term business volume, set up multi-dimension capacity models & plans and determine the optimum one by balancing customer experience, employee experience and cost effectiveness, contributing to consistently achieved SLA goals.
• Design different shifts for the sites and make schedule plan ensuring no violation of local labor laws and regulations; manage day-to-day production of sites, closely coordinate with operation team and adjust shift plan quickly and effectively, in case of unexpected rises in moderation volumes or absenteeism.
• Work as the Point of Contact to provide ad-hoc and regular support to stakeholders such as policy team, product & system BP, sales team, sales management team and etc.
• Advise on staffing needs and performance issues impacting service levels to the WFM lead in a timely manner. Ensures staff optimization, sets goals and objectives, maintains employee records and facilitates effective communication among workers.
• Perform other duties and responsibilities that may be assigned to you by the management within your category of employment in the organization and for the effective implementation, maintenance, and continual improvement of the Quality Management System of TDCX.

Who are we looking for?

• Candidate must possess at least an Advanced/Higher/Graduate Diploma, Bachelor's Degree, Post Graduate Diploma, Professional Degree in any field
• Preferably with 2 years of working experience in the related field is ideal for this position.
• Deep understanding of workforce management, including volume & headcount forecasting, performance monitoring and processes/system optimizing and etc
• Proficient skills on EXCEL and good at data analyzing, familiar with formulas and Pivot Tables. Experience utilizing SQL, HQL and WFM systems is a plus
• Good communication skills, information analysis & interpret capability (ability to present detailed technical analysis, assumptions, and recommendations succinctly).
• Excellent problem-solving, task prioritization, follow-up, and quick learning skills. Ability to work in a fast-paced, high-pressure environment with dedication, passion and motivation.
• Excellent verbal and written communication skills in English and the language of the supporting market

Who is TDCX?

TDCX (NYSE: TDCX) provides transformative digital CX solutions, enabling world-leading and disruptive brands to acquire new customers, build customer loyalty, and protect their online communities.

TDCX helps clients, including many of the world’s best brands, achieve their customer experience aspirations by harnessing technology, human intelligence, and our global footprint. We serve clients in fintech, gaming, technology, home sharing and travel, digital advertising and social media, streaming, and e-commerce. Our expertise and strong footprint in Asia have made us a trusted partner for clients, particularly high-growth, new economy companies looking to tap the region’s growth potential.

We pride ourselves on discovering and employing the best professionals to join us as we transform the outsourced CX industry. Our commitment to #BeMore for our people, our clients, and our community has led to us winning several hundreds of industry awards, including being one of the best companies to work for in Asia.

From our first-rate workspaces, above-industry-average compensation packages, career opportunities, to our workplace perks, find out what else is in store when you embark on a career with TDCX.

Join Us. Be Part of Our Vision.

At PAFA Financial Advisory, we don’t just work - we come together with unwavering energy and enthusiasm, driven by our commitment to delivering innovative financial solutions to our clients. Our culture thrives on a balance that fosters inclusivity, rewards dedication, and encourages continual growth.

Who We Are Seeking.

We're on the lookout for passionate managers and advisers who share our vision and exhibit innovation in their approach. Your dedication to upholding high standards and core values will align perfectly with our beliefs. We embrace challenges and firmly believe that every individual has the opportunity to shine and grow with our organisation.

Why Choose Us?

We're more than just a company; we're a team that loves what we do. Our core values form the bedrock of how we conduct business, engage with stakeholders, and build enduring relationships with our clients. At PAFA, we provide a flexible, technology-driven, and autonomous work environment, enabling our team members to achieve their career aspirations.

Responsibilities:

• Assess clients’ financial situations by conducting thorough financial needs analysis.
• Provide strategic financial planning and investment advice to help clients achieve their financial goals.
• Develop and maintain long-term relationships with clients through exceptional service and regular reviews.
• Stay abreast of new industry developments, financial products, and market trends.
• Educate potential clients and expand client base.
• Ensure compliance with all industry rules and regulations.

Benefits:

• Competitive commission structure with high earning potential.
• Comprehensive training programs and mentorship towards prestigious industry milestones like MDRT, COT, and TOT.
• Flexible work schedule and autonomy to build your own business strategy.
• Supportive management and a collaborative team environment.
• Opportunities for career progression and personal development.

Requirements:

• Minimum diploma or equivalent; degree holders in any field.
• Excellent communication and interpersonal skills.
• Self-motivated, driven, and possess a strong work ethic.
• Previous experience in financial services is advantageous but not required.
• CMFAS certifications M5, M9, M9A, and HI is desirable.

YOUR IMPACT

Are you passionate about stock trading and Investment analyst? We’re looking for a professional to join our investment team in Singapore who seek to develop a structured stock trading method as part of the firm investment/trading portfolio.

The Role: The firm is seeking a night trader in Singapore. Candidate with a strong grasp of liquidity and market sentiment on US stocks. The trader will put up trade ideas/plans with the Principal and Investment Director. The role will be responsible for trading on its own profit/loss within specified limits.

Preference will be given to candidates who are fluent in both English and Mandarin and possess strong Mandarin/English writing skills.

• Analysing and interpreting large amounts of data related to the stock market and economy
• Identify investment opportunities and implement effective trading strategies.
• Build financial models to implement trading plans.
• Monitor portfolio(s) to ensure there are within trading limits/guidelines
• Communicating with the Principal, Investment Director, and Banks
• Request for Pricing and some order placement for FX/Equity/Structured product
• ·Research different sources for market updates (HK & US) and build financial models

SKILLS & EXPERIENCE WE’RE LOOKING FOR

Basic Qualifications

• Bachelor’s or Master’s degree, preferably majors in Math/ Stats/ Economics, Finance or Accounting
• Proficiency in the use of external databases including Bloomberg
• Excellent in written and spoken English/Mandarin
• More than 3 years of stock trading experience is a requirement

Preferred Qualifications/Skill

• Strong interpersonal and communication (written and verbal) skills and ability to interact with stakeholders
• Flexible and work well under pressure
• Good organizational/multi-tasking skills and focus on meeting deadlines
• Ability to work in a team-based environment and adapt to a dynamic organization
• Ability to coordinate and interact effectively with the team

#BeMore

Do you aspire for a rewarding career that lets you do more and achieve more? Unleash your full potential at work with TDCX, an award-winning and fast-growing BPO company.

Work with the world’s most loved brands and be with awesome, diverse people. Be home, belong, and start your journey to #BeMore!

Top reasons to work with TDCX.

• Attractive remuneration, great perks, and performance incentives
• Comprehensive medical, insurance, or social security coverage
• World-class workspaces
• Engaging activities and recognition programs
• Strong learning and development plans for your career growth
• Positive culture for you to #BeMore at work
• Easy to locate area with direct access to public transport
• Flexible working arrangements
• Be coached and mentored by experts in your field
• Join a global company, winner of hundreds of industry awards

What is your mission?

You’ll help us deliver excellent service to our partner brands by performing these tasks:

• Resource planning and fulfilment of billing hours for outbound (80%) and inbound (20%) sales model. Adoption and communication of global scheduling guidelines to appropriate stakeholders.
• Creation and optimization of schedule shells, allocating productive time based on interval level staffing needs, following region specific labor laws. Appropriate distribution of programmed shrinkage (activity codes) to guarantee the accuracy of projections related to productive staffing commitment.
• Provide visibility and reporting capabilities of main KPIs related to scheduling functions such as projected interval compliance, and bidding completion. Create data models to forecast long/short term business volume, set up multi-dimension capacity models & plans and determine the optimum one by balancing customer experience, employee experience and cost effectiveness, contributing to consistently achieved SLA goals.
• Design different shifts for the sites and make schedule plan ensuring no violation of local labor laws and regulations; manage day-to-day production of sites, closely coordinate with operation team and adjust shift plan quickly and effectively, in case of unexpected rises in moderation volumes or absenteeism.
• Work as the Point of Contact to provide ad-hoc and regular support to stakeholders such as policy team, product & system BP, sales team, sales management team and etc.
• Advise on staffing needs and performance issues impacting service levels to the WFM lead in a timely manner. Ensures staff optimization, sets goals and objectives, maintains employee records and facilitates effective communication among workers.
• Perform other duties and responsibilities that may be assigned to you by the management within your category of employment in the organization and for the effective implementation, maintenance, and continual improvement of the Quality Management System of TDCX.

Who are we looking for?

• Candidate must possess at least an Advanced/Higher/Graduate Diploma, Bachelor's Degree, Post Graduate Diploma, Professional Degree in any field
• Preferably with 2 years of working experience in the related field is ideal for this position.
• Deep understanding of workforce management, including volume & headcount forecasting, performance monitoring and processes/system optimizing and etc
• Proficient skills on EXCEL and good at data analyzing, familiar with formulas and Pivot Tables. Experience utilizing SQL, HQL and WFM systems is a plus
• Good communication skills, information analysis & interpret capability (ability to present detailed technical analysis, assumptions, and recommendations succinctly).
• Excellent problem-solving, task prioritization, follow-up, and quick learning skills. Ability to work in a fast-paced, high-pressure environment with dedication, passion and motivation.
• Excellent verbal and written communication skills in English and the language of the supporting market

Who is TDCX?

TDCX (NYSE: TDCX) provides transformative digital CX solutions, enabling world-leading and disruptive brands to acquire new customers, build customer loyalty, and protect their online communities.

TDCX helps clients, including many of the world’s best brands, achieve their customer experience aspirations by harnessing technology, human intelligence, and our global footprint. We serve clients in fintech, gaming, technology, home sharing and travel, digital advertising and social media, streaming, and e-commerce. Our expertise and strong footprint in Asia have made us a trusted partner for clients, particularly high-growth, new economy companies looking to tap the region’s growth potential.

We pride ourselves on discovering and employing the best professionals to join us as we transform the outsourced CX industry. Our commitment to #BeMore for our people, our clients, and our community has led to us winning several hundreds of industry awards, including being one of the best companies to work for in Asia.

From our first-rate workspaces, above-industry-average compensation packages, career opportunities, to our workplace perks, find out what else is in store when you embark on a career with TDCX.

JOB CONTENT:

• Conduct regular account reviews with assigned Asia Sales Management to review key performing indicators, ensure proper account qualification, coverage, strategy and assignments in order to maximize revenue.
• Responsible for working with assigned Asia Sales Management to ensure their activities are aligned with corporate strategy.
• Analyze and prepare executive summaries for senior / executive management highlighting branch performance, staffs’ productivity levels and recommendations.
• Drive initiative / projects that directly contribute to enhancements in efficiency and increased profitability.
• Collaborate with counterparts in other territories to oversee the Global Transfer Business process, which tracks business moving from one territory to another. Work with global sales teams in order to facilitate the transfer process.
• Mediate inter-branch conflict regarding fair distribution of revenue credit as it relates to transfer business.
• Ensure proper implementation of Sales Operating Procedures and Best Business Practices.

CREDENTIALS:

QUALIFICATIONS

· Diploma / Degree in Commerce, Economics, Finance or Business Administration.

EXPERIENCES

· Preferably 1-2 years business working experience.

· 1 years auditing experience and min 1 years’ commercial finance experience (supporting sales and involved in sales reviews)

· Experience driving and managing change. Strong ability to sell ideas and get the “buy-in” of peers and branch management.

· Experience working with Senior leadership team

· Ability to analyze data and present findings to senior level management in a concise manner.

· Comfortable working independently, as well as in a team environment.

· Travelling may be required.

About the job

Plan, procure, implement, manage and/or support Application Systems under one or more Business Domains (e.g. Student Financials, Continuing Education and Training), with the objective of fulfilling business needs and improving operational efficiencies of Business Departments using the Application Systems and/or solutions implemented.

What you will be doing

Key Responsibilities:

Enhance Existing Application Systems

• Identify areas of improvement
• Gather, prioritize and document business requirements
• Estimate and negotiate man-effort with vendors
• Lead/oversee the enhancements of business application systems
• Manage quality of deliverables and performance of vendors in order to ensure timely delivery of enhancements required to support business operational needs.

Business Operation & Support

• Provide on-going maintenance upgrade and support of the business application systems
• Manage service delivery of vendors
• Support operation of the Business Departments (e.g. Fee Setup, Biling and Payment, CET) in order to facilitate smooth and efficient running of the university processes and activities.

Planning & Implementation of New Application Systems

• Conduct market research and feasibility study
• Plan the project
• Procure the solution
• Project manage the implementation
• Facilitate transition to post-live support in order to ensure successful IT systems adoption at Business Departments to meet business objectives.

Job Requirements

• Degree or Diploma in Information Technology, Computer Science, Computer Engineering or equivalent
• At least 4 years in IT industry.
• Strong business process and analytical skills.
• Good oral and written communication skills with the ability to interact and communicate effectively with end users and vendors.
• Experience in Application Systems support and maintenance.
• Good grasp of IT technologies, methodologies, architectures, and best practices.
• Knowledge and experience of SDLC, RDBMS and SQL.
• Familiarity with Project Management Framework.
• Appreciation of cybersecurity best practices.
• Experience in Higher Education industry is a bonus.

Responsibilities:

• Liaise with Panasonic Group of Companies on logistics activities and manage business plan at regional level
• To oversee LSD function and involve in strategic planning of Logistics solutions
• To capture & analyze logistics KPI by country & by category for further actions
• To enhance regional logistics activities in alliance with NSC and Logistics Committee
• Promote APAC standard process and strategy of Supply Chain among NSC/Factory
• Work closely with respective logistics members and business units in APAC Region
• Analyze logistics cost and other KPIs for guiding to actions for achieving target
• Monthly Regional Activities Reports

Requirements:

• Diploma in logistics or related disciplines
• Computer literacy especially on Excel, PowerPoint and Words at least intermediate
• Min 3 years’ experience in freight forwarding, warehousing, Logistics and/or shipping industry
• Travel from time to time is required

As a member of Team Central Provident Fund (CPF), you will play a crucial role in helping over 4 million members save for their retirement, healthcare, and housing needs as well as helping them cope with life’s uncertainties. With a fulfilling career, career growth, and development opportunities, you will be part of a big family of dedicated professionals. Join us and champion financial security for Singaporeans while leaving a lasting legacy.

What you will be working on

• Perform and manage the timely monthly closing activities, ensuring accuracy and integrity of financial reports and providing strategic insights and recommendations to internal and external stakeholders.
• Ensure compliance with Statutory Board Financial Reporting Standards
• Lead the implementation of FRS 117 Insurance Contracts.
• Collaborate with cross-functional departments to gather and analyze financial performance, identifying anomalies and risks from the review of financial data.
• Develop and implement effective financial processes and systems to ensure accurate recording of financial transactions in accordance with accounting standards and financial regulations.
• Manage and optimise funds' cash flows, maximizing investment returns while adhering to risk management policies.
• Ability to lead and mentor a team of accounting officers, providing guidance and support to enhance team performance and professional development.
• Act as a liaison with Government Bodies, Statutory Boards, and the President's Office on financial reporting matters, ensuring compliance and timely submissions.
• Undertake ad-hoc tasks and projects to support the overall finance function.

What we are looking for

• Relevant work experience in accounting or audit, preferably with prior working experience or familiarity to the insurance industry.
• Good understanding of Singapore/Statutory Board Financial Reporting Standards, with proficiency in FRS 109 Financial Instruments.
• Strong analytical, interpersonal, and communication skills, with the ability to interpret and convey complex financial information effectively.
• Experience with PowerBI or similar business intelligence tools preferred, with the ability to use data visualisation for enhanced reporting and insights.
• Continuous learning mindset, with a willingness to stay updated on evolving accounting standards, regulations, and industry best practices.

The successful candidate will hold the corporate title of Manager/Senior Manager, with seniority based on individual work experiences.

What you can expect

• A challenging and rewarding career
• A variety of formal and informal training to enhance your skills in the evolving technology landscape
• Promotion opportunities based on your capability and on-the-job performance
• A friendly work environment with like-minded colleagues to co-create and collaborate together
• A hybrid work model allowing remote work for up to 50% of the time, contingent upon the exigencies of service
• A productive yet growth-oriented workplace with a flexible dress code empowering you to decide your appropriate outfit for the day
• A comprehensive rewards package
• Annual leave and pro-family leave
• Medical and dental benefits
• Access to recreational activities
• Position is on a 1-year full-time contract directly under the payroll of CPF Board with an option to renew, contingent upon confirmation and subject to organisational needs. Additionally, there is potential for emplacement into a permanent position

As a member of Team Central Provident Fund (CPF), you will play a crucial role in helping over 4 million members save for their retirement, healthcare, and housing needs as well as helping them cope with life’s uncertainties. With a fulfilling career, career growth, and development opportunities, you will be part of a big family of dedicated professionals. Join us and champion financial security for Singaporeans while leaving a lasting legacy.

What you will be working on

• Perform monthly closing activities accurately and in a timely manner to facilitate the preparation of financial reports for internal and external stakeholders.
• Conduct analysis of financial performance, identifying anomalies and potential risks, and providing recommendations for improvement.
• Verify and settle trading and fund transfer transactions, ensuring accuracy and adherence to timelines
• Undertake ad-hoc tasks and projects to support the overall finance function.

What we are looking for

• Relevant experience in financial accounting
• Good understanding of Singapore Financial Reporting Standards (SFRS) or Statutory Board Financial Reporting Standards
• Proficiency in Microsoft Office suite, including advanced skills in Excel for financial modelling and analysis.
• Experience with business intelligence tools such as PowerBI or similar software preferred
• Strong attention to detail and excellent organisational skills.
• Excellent analytical, interpersonal, and communication skills.

The successful candidate will hold the corporate title of Executive/ Assistant Manager, with seniority based on individual work experiences.

What you can expect

• A challenging and rewarding career
• A variety of formal and informal training to enhance your skills in the evolving technology landscape
• Promotion opportunities based on your capability and on-the-job performance
• A friendly work environment with like-minded colleagues to co-create and collaborate together
• A hybrid work model allowing remote work for up to 50% of the time, contingent upon the exigencies of service
• A productive yet growth-oriented workplace with a flexible dress code empowering you to decide your appropriate outfit for the day
• A comprehensive rewards package
• Annual leave and pro-family leave
• Medical and dental benefits
• Access to recreational activities
• Position is on a 1-year full-time contract directly under the payroll of CPF Board with an option to renew, contingent upon confirmation and subject to organisational needs. Additionally, there is potential for emplacement into a permanent position

Experience Requirements:

Minimum 3 years’ experience in designing and maintaining a system of at least 500 man-days (system development effort), with the relevant skill setsin programming and development framework, integration, database, job scheduling and automation, document and content management, workflow management, and reporting. Familiar with Batch & online application design concepts & should have experience in handing large volume of data.

Relevant skill sets:

1. Microsoft .NET version 4.5 and above

2. C# / VB.NET/ Java programming

3. Microsoft SQL Server

4. IBM DB2 Mainframe

5. IBM Message Broker

6. Ascential Datastage

7. TIBCO

8. FairIsaac Blaze Advisor

9. Dollar Universe

10. Adobe

11. COGNOS

12. I-Sprint UAM

13. FileNet

14. EFlow

15. Centera

Main Responsibilities / Tasks:

• Design, Develop required applications using Microsoft technologies.

• Manage the team to ensure productivity and ensure effective and quality outputs.

• Manage the welfare of the team members.

• Ensure smooth day to day operations of the team.

• Responsible for the planning of the weekly work plan to ensure efficient productivity.

• Responsible for achieving his/her weekly work plan (targets) through tracking and ensure team hits dateline set out for the team.

• Take up ownership and drive through all issues faced by the team, e.g. address issues escalated from team members to resolve them in a prompt manner.

• Escalate to Group Lead in a timely manner when issues or problems cannot be resolved.

• Ensure that team members follow the AM(Application Maintenance) processes and perform periodic reviews to ensure consistency.

• Actively observe and highlight to Group Lead areas for improvement in AM processes.

• Provide technical guidance or mentorship to fellow team members.

• Provide timely feedback to team members to assist and develop team members in technical and functional specialties.

• Ensure high team morale and efficient/professional work attitude.

• Manage the production application source codes, configuration files, database changes, related documentation, etc for all modules under their charge. Review and approve any changes to these documents before checking into central repository.

• Take up the role of Group Lead in his/her absence when appointed.

Roles & Responsibilities

• Ensure safety and facility policies and procedures are observed and followed.
• Schedule frequent internal audits to ensure operations comply with all SOP’s, Quality policies, procedures, and test methods.
• Work with and provide support to the incoming material receiving team to maintain an excellent quality workflow.
• Manage the root cause and corrective action process, collaborating with operations to ensure effective and permanent corrective actions are implemented to address quality issues.
• Monitor internal and external Corrective Action Report status with root cause analysis.
• Provide solutions to unresolved quality problems and oversee the implementation of these solutions.
• Coordinate audits by external bodies, ensuring that the Company is well-prepared for the audits.
• Plan and execute internal audits according to procedures.
• Support QA Engineer/Executive for ISO document preparation.
• Master new measuring equipment using methods and train the team.
• Ensure all measuring equipment's calibration as per interval frequency and meet the standard requirements.
• Determine inspection critical points based on customer’s drawing & product spec for new projects.

Other Preferred Skills

• Well-versed in MS Office (Including Word, Excel, Outlook, PowerPoint).
• Proficient in collaborating effectively with cross-functional teammates.
• Positive attitude, ability to multitask.
• Capability to independently analyze and resolve quality issues
• Strong communication and interpersonal skills.
• Familiar with 8D and 5W problem solving methodology.
• Experience in data management or analysis

Experience, Qualification & Education Requirements

• Diploma/Bachelor's Degree in Quality Management/Engineering/Manufacturing or related field.
• Minimum of 2 years of experience in Quality Assurance & ISO System.
• Fluency in both English and Mandarin is essential for effective communication with business associates.

Please indicate the below information in your resume:

• Current & Expected Salary
• Reason(s) for leaving
• Notice Period / Availability to commence work

We regret that only short-listed candidates will be contacted for an interview.

Job Responsibilities:

Provide effective support and assistance to the Team Leader / Deputy Group Head in the daily operations of the Operations Control Group (OCG) mainly Account Services, Credit Limit Setup, Audit Confirmation & related Customer Services.

• Process transactions / requests in compliance with the Bank's Policy & Procedures, Head Office Rules in alignment with the local and related overseas laws and regulations. End-to-end understanding in terms of Controls associated with transaction / request processing must be robust.
• Observe the rules and regulations of the Compliance Manual of the Bank associated with the Anti-Money Laundering, KYC requirements, MAS regulations, etc.
• Participate actively with the Team Leader / Deputy Group Head in resolving operational issues, and manage change projects (including Business Analysis, support UAT planning & execution).
• Identify areas to improve the operational efficiencies (proactively contribute to Time & Cost Savings) and effectiveness (controls) of the Group, and propose and support the implementation of improvements of workflows & processes.
• Investigate and report discrepancies and irregularities arising from transactions, system failure, etc. and resolve issues including handling customer / stakeholder's complaints and escalating all issues promptly.
• Participate actively in the various Business Continuity Plan Drills which are held regularly by the Bank and the local regulatory authority.
• Cross-train other colleagues within Team OCG to ensure there is sufficient back-up to cover each process from time to time.

Job Requirements:

• Degree in Banking & Finance or equivalent.
• At least 3-5 years of Banking experience in Managing Customer Account Setup, including Maintenance, Offboarding & issuance of Audit Confirmation.
• Proficient in Microsoft Office with immediate Microsoft Excel skills.
• Possess critical thinking skills, and able to link diverse information to build a full picture and spot inconsistencies.
• Meticulous, attention to detail with a risk and control mindset.
• Good oral & written communication skills, strong inter-personal skills, and a strong customer service aptitude.
• Reliable team player, who is able to work with a diverse group of people.
• Keen and proactive learner.
• Effective time management skills, ability to work under pressure and meet cut-off times.