Key Responsibilities:

Business Performance and Management

• Liaise and maintain good working relationship with business partners for referrals.
• Disseminate information to team members to ensure accurate and updated policy and information is conveyed to customers.

People Management

• Coach and mentor team members on product knowledge and processes.
• Motivate team members and conduct meetings on performance update and identify service improvements.
• Lead a team to achieve team targets for various Wealth products.

Regulatory Compliance

• Ensure compliance with Group Policy and Standards and procedures of the Bank.
• Ensure BSC grading of A/B for all team members

Requirements:

• Degree / Diploma with relevant banking experience
• M5, M6, M6A, M8, M9, M8A, M9A, M1B, HI, BCP, PGI
• Banking Sales Experience with minimum of 5 years experience
• Relevant coaching / mentoring experience
• Banking Sales Experience with minimum of 5 years experience.
• Relevant coaching / mentoring experience

Responsibilities:

Business Performance and Management

• To evaluate customers' needs and provide solutions in the areas of wealth protection and accumulation, retirement planning, estate preservation and endowment planning.
• Design and recommend wealth solution to meet the objectives of the customers.
• Take initiative to plan and organize daily schedule for various sales generating activities.
• Conduct daily calls to the customers in their portfolio base to arrange for appointments and to offer assistance to them.
• To regularly update their clients on their holdings and investment performance. 
• Achieve monthly sales target for various banking products with consistency. 
• Fulfill training requirements which are set by the organization. 
• Ensure completeness and accuracy in application process to minimise reworks. 

Regulatory Compliance

• Ensure compliance with Group Policy and Standards and procedures of the Bank.
• Ensure sales process is met and follow throughout and maintain BSC grading of A/B.
• Ensure proper screening and gathering of customer information to satisfy KYC procedure.

Requirements:

Qualifications

• Degree or Diploma holder

Professional Qualification and/or Regulatory, Licensing Requirements

• M5, M6, M6A, M8, M9, M8A, M9A, M1B, and HI

Relevant Work Experience

• Minimum 3 years of Wealth sales experience

Competencies/Skills

• Networking
• Prospecting
• Negotiation
• Self starter
• Excellent articulation
• Well versed in Insurance and Investments

Responsibilities:

Business Performance and Management

• To evaluate customers' needs and provide solutions in the areas of wealth protection and accumulation, retirement planning, estate preservation and endowment planning.
• Design and recommend wealth solution to meet the objectives of the customers.
• Take initiative to plan and organize daily schedule for various sales generating activities. 
• Conduct daily calls to the customers in their portfolio base to arrange for appointments and to offer assistance to them.
• To regularly update their clients on their holdings and investment performance. 
• Achieve monthly sales target for various banking products with consistency. 
• Fulfill training requirements which are set by the organization. 
• Ensure completeness and accuracy in application process to minimize reworks. 

Regulatory Compliance

• Ensure compliance with Group Policy and Standards and procedures of the Bank.
• Ensure sales process is met and follow throughout and maintain BSC grading of A/B.
• Ensure proper screening and gathering of customer information to satisfy KYC procedure.

Requirements:

Qualifications

• Degree or Diploma holder

Professional Qualification and/or Regulatory, Licensing Requirements  

• M5, M6, M6A, M8, M9, M8A, M9A, M1B, and HI

Relevant Work Experience

• Minimum 3 years of Wealth sales experience

Competencies/Skills

• Networking
• Prospecting
• Negotiation
• Self-starter
• Excellent articulation 
• Well versed in Insurance and Investments

Join our esteemed team as a Senior Consultant specializing in Financial Markets and Private Banking Transformation, where you'll spearhead strategic initiatives to optimize operations and drive innovation within the sector. This role offers a unique opportunity to leverage your expertise in project management and transformation to deliver impactful solutions for our clients.

Key Responsibilities:

• Collaborate with clients in the financial markets and private banking sector to assess current practices, identify areas for improvement, and develop transformative strategies to enhance performance and competitiveness.
• Lead project teams in the definition of Target Operating Models (TOM) and process improvement initiatives, guiding the development and implementation of strategic frameworks to optimize operational efficiency and effectiveness.
• Conduct thorough analysis of market dynamics, regulatory requirements, and industry trends, providing actionable insights and recommendations to drive strategic transformation initiatives.
• Lead project teams in the implementation of transformational initiatives, including process reengineering, technology adoption, and organizational restructuring, ensuring alignment with client objectives and timelines.
• Provide expert guidance and support in financial market operations, private banking services, and wealth management strategies, contributing to the success of client projects.
• Develop and deliver high-quality presentations, reports, and recommendations to senior management and stakeholders, effectively communicating complex concepts and transformation strategies.
• Act as a trusted advisor to clients, building strong relationships and fostering collaboration to drive successful project outcomes and business transformation efforts.

Job Title: Consultant/Senior Consultant - Data Governance & Global Markets

Position Overview: Join our dynamic team as a Consultant/Senior Consultant in Data Governance & Global Markets, where you'll spearhead transformative initiatives within leading financial institutions. This role offers a unique opportunity to drive innovation across technology, data, and information management, shaping the landscape of client projects and organizational strategies.

Key Responsibilities:

• Collaborate with managers and key stakeholders to ensure the successful execution of client initiatives, with a focus on conceptualizing, designing, and implementing data-driven financial and risk analytics solutions.
• Leverage your expertise to innovate, build, and maintain robust data solutions that address business challenges, including reviewing data requirements and ensuring master data integrity.
• Identify areas for data quality enhancement and implement strategies to resolve data quality issues, working closely with program/project managers and subject matter experts (SMEs).
• Define and implement data strategy, policies, and controls to ensure the accuracy, completeness, security, and reliability of enterprise data, particularly in areas such as client valuation, pricing, and product development.
• Design and implement enterprise data governance and security strategies, including encryption, masking, and authorization methods, to safeguard sensitive information.
• Provide valuable data insights to business and functional teams, recommending enhancements to data consolidation and streamlining data collection and reporting processes through automation.

Key Responsibilities: 

Strategy and Planning

• Acquire qualified New-To-Bank customers through contacts, referrals from clients and business development activities locally 
• Procure new business through customer acquisition and manage relationships with existing customers
• Engage other departments to get referral opportunities

Business Performance and Management

• Attuned to the current economic and financial markets by attending trainings so as to be current and proficient in addressing customer’s queries
• Achieve individual sales targets for wealth management, treasury products and insurance
• Provide sound financial advice and dispensing customized solutions in alignment with the bank's standards and industry regulations
• Work towards Preferred Banking’s intended goals 
• Deliver client satisfaction through tailored solutions according to client objectives and service issue resolution
• Achieve service standards set by the bank

People Management

• Possess strong interpersonal and communication skills, self-motivation, outstanding ability to sell, strong writing and presentation skills, excellent negotiation, closing and follow-up skills 
• Committed in the improvement of self towards becoming a good ambassador of CIMB Preferred

Regulatory Compliance

• Comply with all internal policies, procedures, processes as well as regulatory requirements.
• Attend all trainings 

Requirements:

• Min Degree/Diploma in any discipline 
• Possess the relevant certifications e.g. CLI, CGI, HI, M1B, M5, M6, M6A, M8, M8A, M9 and M9A
• At least 3 years relevant sales experience in retail banking
• Strong understanding of financial compliance and regulatory requirements in Singapore
• Able to work independently with minimal supervision
• Service-oriented with strong communication and interpersonal skills
• Self-motivation, outstanding ability to sell.
• Strong writing and presentation skills, excellent negotiation, closing and follow-up skills 
• Meticulous
• Approachable, helpful & patient
• Team player

• Assist the Industry 4.0 (i4.0) team in acquiring, managing and implementing proof-of-concept (PoC) projects for customers
• Incubate and prepare new products for technical and commercial readiness to customers
• Provide training of products and solutions where necessary
• Provide ad-hoc support to operational activities where necessary
• Prepare marketing materials for new products and solutions

Internship in network infrastructure services team

Tasks will include:

• Write and updates software application using latest web technologies.
• Plan, create and update technical documentation.
• Effectively collaborate with regional teams and follow-up operational tasks.
• Assist in initiating customer surveys for service improvement.
• Enhancement of operational documentation
• Review and enhancement of monitoring and alerting
• Other administrative tasks on need basis.

The Food and Beverage Service Executive supervises the team by proactive, interactive and reactive leadership, allowing each member of the team to feel confident and to completely satisfy our guests during their dining experience. He/she assists the management in supervising the overall operation and service standards of the restaurant to meet and exceed guest’s dining experience expectations. 

We are hiring for the following outlets:

• Banquet
• La Dame de Pic
• Raffles Courtyard
• Tiffin Room
• The Grand Lobby

Primary Responsibilities

Oversees Daily Operations and Achieving Targets

• Oversees the set-up and operation of a station/section in a restaurant.
• Supervises and participates in running an efficient and profitable operation in the assigned areas. 
• Assists the Outlet Manager/Assistant Outlet Manager in enabling employees achieve highest service and product delivery standards with a highest degree of client care and service at all times.
• Provides services for guests such as order taking and promoting the restaurant food and beverage offerings.
• Provides excellent service at all times to all of our guests based on established hotel standard operating procedures.
• Assists colleagues and guests efficiently and in a professional manner.
• Has extensive knowledge of our food & beverage menus in order to service our product, including liquors and cocktails.
• Offers menu options, advice and takes orders.
• Offers drinks, pre, during and after meal service.
• Remembers guest’s preferences to extends personalised service.
• Takes guest’s Food & Beverage orders accurately and assures correct input in Point of Sales system.
• Double checks order list before "sending" ticket to the kitchen.
• Verifies guest satisfaction with each table during each course served.
• Uses the guest name appropriately and communicates it to restaurant colleagues and managers.
• Serves food in in a timely and efficient manner.
• Arranges all tables following established standards.
• Arranges and maintains all assigned side stations and continually stocks each station before and after every shift.
• Makes sure all silver and glassware is polished, wiped and spotless.
• Keeps all side stations clean at all the times.
• Keep chairs and banquettes clean and clear of debris.
• Marks tables appropriately to food & beverage order for each course to ensure proper delivery.
• Makes sure that all product served are accounted for on the final bill before presenting it. 
• Up keeps and clears tables between courses throughout the dining experience.
• Picks up check before guest leaves and wishes guests a warm farewell while thanking them for their visit.
• At the end of the shift, delivers all checks and reports to the appropriate place according to established standards. 
• Follows through opening and closing duties. 
• Adjusts service to suit guests’ requests and personalises any interaction with the guest.
• Uses a Heartist® approach – makes guests Feel Welcome, Feel Heart-warmed, Feel Incredible, and Belong.
• Uses a Heartist® approach – makes the guests and colleagues Feel Welcome, Feel Heart-warmed, Feel Incredible, and Belong.
• Ensures service standards and individual performances are aligned with Accor Values - Guest Passion, Trust, Sustainable Performance, Spirit of Conquest, Innovation and Respect.
• Contributes to the hotel’s Corporate Social Responsibility efforts by supports the Planet 21 program.
• Ensures NEA rules and regulations are met and achieve.  
• Actively engages in upselling and adds value.
• Relays any guest complaints to manager.
• Ensures efficiency of work in dish wash, pantry, and service preparations.
• Ensures cleanliness and work safety in food preparation and service areas.
• Carries out adhoc duties as assigned including, but not limited to sending operating equipment for cleaning or burnishing on weekly basis, sending soil linen for exchange for clean ones and collecting Food & Beverage requisition on daily basis. 
• Providing a Leading and Consistent Guest Experience
• Promotes sales through direct guests’ contact. 
• Constantly obtains guest feedback during operation ensuring guest satisfaction.
• Handles minor complaints and reports to the managers for proper follow up.
• Builds strong relationships with local guests and builds loyal following as foundation for a successful operation. 
• Maintains levels of confidentiality and discretion of the guest, colleagues, operator at all times. 

Management and Leadership of Outlet

• Acts as a mentor and role model to the Food & Beverage Associates.
• Proactive, innovative with in depth Food & Beverage and market knowledge. 
• Observes colleague’s individual performances, grooming, and punctuality and communicates with the managers accordingly. 
• Provides a high level of Safety and Security for guests and colleagues. 
• Checks daily opening and closing duties.

Training, Learning and Development of the Team

• Conducts regular on the job trainings for colleagues to develop their skills and knowledge. 
• Assists in records and submits monthly On-the-Job Training hours to Food & Beverage Office before the 15th of each month.
• Guides the departmental orientation for new hires.
• Ensures that colleagues are aware of hotel rules and regulations.
• Ensures that colleagues are trained on fire and safety, emergency procedures and hygiene.

The Housekeeping Administrator is responsible for coordinating Housekeeping department’s back-end operations by ensuring ongoing exchange and follow-up of information and requests between residents and guests, colleagues and other departments. The Housekeeping Coordinator carries the responsibilities of managing FCS, lost and found records and clear documentation at the storage areas along with other administrative duties wherever deemed necessary.

Primary Responsibilities

Responsible for Housekeeping office operations in timely organised fashion

• Ensures seamless coordination in communicating information to relevant sections in accordance with the hotel’s Standard Operating Procedures (SOP).
• Ensures smooth running of the Housekeeping section by performing all tasks in adherence with the code of ethics.
• Receives, records and stores lost and found properties following the established lost and found procedure.
• Ensures accurate update of room status into the Property Management System (PMS) and investigate discrepancy (if any).
• Maintains key control and follows established key control procedure.
• Monitors linen runner activities and productivity.

Creates a welcoming experience that meets residents’ and guests’ expectations

• Upholds flawless impression and perception of the Raffles Hotel Singapore products, services and colleagues.
• Prepares amenities for VIP and any special setup required in suites.
• Monitors Royal Service requests and makes sure requests are closed on time as per standards.
• Updates guest’s profile into PMS as per received preferences for future references.
• Monitors “Do Not Disturb” rooms and follows the established procedure.

 Prepares daily operation needs

• Ensures smooth handover of daily activities to next shift.
• Updates bulletin boards with pertinent information.
• Prepares sufficient amount of guest supplies daily prior to the end of shift.
• Assists Assistant Manager with inventories, linen supplies etc.
• Liaises with Engineering with reference to maintenance repairs and out of order rooms.
• Undertakes and manages the Rooms Reconciliation tasks independently.

Involvement as a member of both the Housekeeping and the Hotel Team

• Ensures service standards and individual performances are aligned with Accor Values - Guest Passion, Trust, Sustainable Performance, Spirit of Conquest, Innovation and Respect.
• Follows sustainable procedures and practices that support ‘Planet 21’ initiatives (Accor’s Corporate Social Responsibility program).
• Adheres to Work Safety and Health (WSH) policies and procedures.
• Shows care for assigned work areas by organising and maintaining the office and work areas in pristine condition throughout and at the end of shift.
• Ensures that all equipment used is clean and kept in good working condition at all times.
• Organises own work flow to ensure completion of all assigned duties before the end of shift.
• Exercises flexibility and accepts changes with a positive attitude by showing understanding and consideration to the needs of the operations and department.
• Understands the difference in guest hierarchy and different room categories.
• Attends and contributes to colleague meeting and any other related activities.
• Undertakes and performs any additional duties as assigned by Managers.

• Supervises site installations, ensuring that installations are on-time and complete, following to the installation schedule, work plan, estimated dealer cost and man-hours
• Works with crews to ensure that paperwork is timely and accurate; that all hours and actions are well documented according to company procedures
• Reviews site installations to ensure the highest quality workmanship; that product is assembled per plan and is leveled, aligned, cleaned and completely detailed
• Ensures that material is handled with care and that customer’s property is protected and undamaged
• Trains crews to have a responsible and technically adept interface with main/sub-contractors, electricians, safety officer, etc.
• Ensures that installations and all service work is closed out in a timely manner; that punch list resolution is followed up and finished to each customer’s satisfaction
• Visits site installations on a regular and daily basis, interfacing with leads and installation personnel, customers, and customer third parties, monitoring the progress and quality of the work being done by the installation staff
• Problem solving during installation

Strategy and Planning

• Acquire qualified New-To-Bank customers through contacts, referrals from clients and business development activities locally 
• Procure new business through customer acquisition and manage relationships with existing customers
• Engage other departments to get referral opportunities

Business Performance and Management

• Attuned to the current economic and financial markets by attending trainings so as to be current and proficient in addressing customer’s queries
• Achieve individual sales targets for wealth management, treasury products and insurance
• Provide sound financial advice and dispensing customized solutions in alignment with the bank's standards and industry regulations
• Work towards Preferred Banking’s intended goals 
• Deliver client satisfaction through tailored solutions according to client objectives and service issue resolution
• Achieve service standards set by the bank

People Management

• Possess strong interpersonal and communication skills, self-motivation, outstanding ability to sell, strong writing and presentation skills, excellent negotiation, closing and follow-up skills 
• Committed in the improvement of self towards becoming a good ambassador of CIMB Preferred

Regulatory Compliance

• Comply with all internal policies, procedures, processes as well as regulatory requirements.
• Attend all trainings 

Requirements: 

• Degree/Diploma in any discipline 
• Possess the relevant certifications e.g. CLI, CGI, HI, M1B, M5, M6, M6A, M8, M8A, M9 and M9A
• At least 3 years relevant sales experience in retail banking
• Strong understanding of financial compliance and regulatory requirements in Singapore
• Able to work independently with minimal supervision
• Service-oriented with strong communication and interpersonal skills
• Self-motivation, outstanding ability to sell.
• Strong writing and presentation skills, excellent negotiation, closing and follow-up skills
• Meticulous
• Approachable, helpful & patient
• Team player

Manager - Commercial Services (Bulk Pacific)

Why explore

• Pioneering opportunity in the new Commercial Services & Digitalisation structure
• Leadership role
• Opportunity to work with key stakeholders in our global commercial hub
• Based in Singapore, a global commercial hub for Rio Tinto

About the role

We are recruiting for a Manager - Commercial Services (Bulk Pacific) for our Commercial Services & Digitalisation unit. Our Commercial Services & Digital team will streamline and guide how we invest in and harness technology for Commercial. This team will modernize and digitize our manual processes, addressing pain points for employees and focusing on initiatives for improving customer experiences. We see Commercial Services as the engine room with their focus on post-deal tasks such as invoicing, trade finance, shipping, and laytime.

Commercial Services & Digital is a unique opportunity to bring digital closer to the business, to create more synergies between teams, and to bring together business improvements to achieve business excellence. The Commercial Services Bulk team supports Iron Ore, Bauxite, Alumina, and Salt business in the Pacific region.

The key purpose is to ensure the commercial services activities including invoicing, trade finance, and shipping for Bulk Pacific Businesses are handled most effectively and efficiently and in so doing protect the maximization of cash flow for the business.

This is a fantastic opportunity for a strong people and commercially attuned leader who is driven to lead, mentor, and guide the team to achieve high performance through collaboration and strong leadership.

Reporting to the Senior Commercial Services Manager (Pacific), you will be:

• Providing leadership & oversight of the Commercial Services Bulk team to become a functional and high-performing team.
• Manages a team of Commercial services supervisors who are responsible for contract administration, invoicing, trade finance, and shipping documentation.
• Support the Senior Commercial Services Pacific manager with the execution of Commercial Services Bulk team objectives.
• Work with the CS Continuous Improvement & Digital teams to implement new digital automation and process improvement opportunities and efficiencies.
• Ensure all relevant Service Level Agreements and KPIs are met as per what was defined by Commercial Services leadership and the Business.
• Lead ad-hoc projects aimed at optimizing value for the company.
• Work with the various Business Unit teams to build a collaborative environment between teams.
• Managing the LOI process from receiving the Buyers’ executed LOIs through to releasing them to Marine, by ensuring all submitted supporting documents meet the risk mitigation conditions.
• Ensuring that appropriate credit risk mitigation tools are in place, appropriate shipping-related documents are produced, and that commercial invoices with approved pricing, costs (for shipping), and other documents are produced to banks/customers/ship owners in a timely, accurate manner to ensure maximization of cash flow.
• Adapts plans and priorities to address resource and operational challenges.
• Proactively identify, drive, and promote business process, digital, and automation improvements to effectively and efficiently deliver improved customer service solutions to internal and external stakeholders.
• Addresses issues with impact beyond own team based on knowledge of related disciplines.

About you

To be successfully considered for this role, you will have

• A bachelor’s degree in a business or operations-related function.
• Excellent verbal and written communication skills and ability to reach out and build collaborative stakeholder relationships across different levels.
• Proven track record of effective commercial administration: at least 6 years of progressive experience in CTC / sales administration in the mining and metals area.
• Superior knowledge in Trade Finance, Shipping, or Supply Chain.
• Proven effective leadership experience in driving performance for a large team (>20).
• Experience with international trade documentation/Letters of Credit.
• High level of focus and attention to detail and ability to handle stress and workloads.
• Knowledge of contractual concepts and understanding of associated trade-offs.
• Strong knowledge of contact to cash.
• Experience with SAP / Advanced systems skills.
• Experience in leading and coaching large-sized teams.
• Experience in bulk commodity logistics.
• Experience in change management and business transformation.
• Commercial mindset.

It will also be beneficial if you have:

• Knowledge of Power BI or any other data analytics tools/applications.

About the Role

Our Corporate Finance and Restructuring team in Singapore focus on our clients’ strategic, operational, financial and capital needs by addressing the full spectrum of financial and transactional challenges faced by corporations, boards, private equity sponsors, creditor constituencies and other stakeholders.

What You’ll Do

As a Consultant, you will be tasked to handle insolvency and restructuring projects. You will contribute to client matters by completing assigned tasks accurately and on time with regular supervision. You will typically undertake tasks such as analyzing accounting and financial data, performing calculations, and documenting your work.

You are expected to communicate effectively with other team members, and to take an interest in how your work fits into the overall project plan. You will work with senior members of the team and receive internal training, on-the-job coaching and mentoring.

• Review and analyse financial statements and projections and assess business plans.
• Complete assigned tasks accurately and on time with regular supervision.
• Reconstruct accounting records from incomplete information.
• Undertake company and industry analysis.
• Perform financial, ratio and comparable company analysis and financial and cash flow modelling.
• Assist in conducting investigations and formal engagements.
• Maintain detailed working paper records reflecting details of relevant correspondence assumptions, methodologies, and information sources employed during the performance of all analytical tasks.
• Attend client site and assist senior staff in carrying out duties and collating information required.
• Assist with the preparation of draft reports, presentations and correspondence.
• Interact with clients, including lawyers, in house counsel and senior accounting personnel.
• Undertake networking and marketing activities to begin to develop professional contacts.
• Contribute to company initiatives and team development activities.
• Maintain professional image within the firm and project the same to those outside the firm.

Basic Qualifications

• Bachelor Degree in Accounting, Finance or Economics.
• Obtained (or at the final stage of obtaining) Singapore or internationally recognised professional accounting or finance qualification.
• 3-5 years of experience in restructuring or transaction services
• Proficiency in both written and spoken English.
• Strong communication and writing skills.
• Financial modelling skills are desirable.
• Excellent analytical and quantitative skills.
• Sound knowledge of accounting principles.
• Proficiency with the Microsoft Office applications.
• Eagerness to learn and the motivation to succeed.
• Strong attention to detail.
• Ability to work with senior team members and the client in demanding and deadline-driven situations.
• Strong work ethic, integrity and high level of professionalism.
• Resilience to deal with unexpected or adverse situations.
• Ability to identify issues and raise queries where appropriate.
• Proactiveness to deal with outstanding matters as necessary.
• This role requires travel to clients and FTI offices.

We are looking for a Product Owner for a Singapore based assignment. This is a long-term contract engagement with an iconic brand.

• Continuously refine the backlog based on feedback and changing business needs
• Lead the grooming/prioritisation of the backlog based on robust value articulation
• Ensure that the product backlog items are clearly defined, well understood, and properly estimated by the development team
• Ensure that the product is compliant with all relevant regulations and standards, and managing any legal or ethical considerations related to the product
• Demonstrate leadership and ownership of the product, and inspiring others to share and contribute to the product vision and goals
• Collaborate with the Enabling team, including the Agile Coach, to continuously improve how the team delivers value to the business
• Be proactive in identifying areas of process/technology improvement/innovation
• Work as part of the internal development team to achieve project delivery timeframes and qualit
• Ability to define priorities and understand key stakeholders’ needs.

About Us

Zone IT Solutions is Australia based Recruitment Company. We specialize in Digital, ERP and larger IT Services. We offer flexible, efficient and collaborative solutions to any organization that requires IT, experts. Our agile, agnostic and flexible solutions will help you source the IT Expertise you need. Our delivery Offices are in Melbourne, Sydney and India. If you are looking for new opportunities your profile at [email protected] or contact us at 0434189909

Also follow our LinkedIn page for new job opportunities and more.

Zone IT Solutions is an equal opportunity employer and our recruitment process focuses on essential skills and abilities. We welcome applicants from a diverse range of backgrounds, including Aboriginal and Torres Strait Islander peoples, people from culturally and linguistically diverse (CALD) backgrounds and people with disabilities