About The Company

Discover an incredible opportunity to work at a dynamic and innovative company. Join our team and be part of a company that is revolutionizing the industry with its cutting-edge solutions. Embrace a culture of collaboration, creativity, and growth where your contributions will make a significant impact. We value diversity and strive to create an inclusive and supportive work environment for all our employees. Get ready to be part of a company that values your unique talents and rewards your hard work.

TerraPay builds payments infrastructure globally, providing a B2B real time cross border payments service for mobile wallets and bank accounts; as well as transaction processing, clearing and settlement services for regional and domestic faster payment systems.

We believe in the power of the mobile to transform financial inclusion and are building the digital payment infrastructure to fulfil our vision of being able to send money to any mobile.

Please visit www.terrapay.com, for more information.

Role - Senior Business Development Manager

• As a Senior Business Development Manager - Cross Border Payments, you will have the exciting opportunity to explore and forge new partnerships in your territory. You will be the sole contributor, driven by targets and a strong desire to deliver exceptional results. Your responsibilities will include prospecting, executing, and launching partners, ensuring their success and growth.
• You will be entrusted with creating and implementing a comprehensive sales and business development plan for TerraPay in your specific locations. Taking charge of the entire sales cycle, from lead generation to managing active accounts, you will work closely with C-suite executives to successfully close deals.
• Developing and managing strategic partnerships with banks, fintech companies, money remittance firms, and other pertinent financial institutions will be a key aspect of your role. Additionally, you will support customer requests and continually identify new opportunities to enhance TerraPay's offerings.
• To excel in this position, strong communication and coordination skills are essential. You will need to navigate the market landscape, taking into account regulatory and competitive factors, to successfully introduce new services.
• In your pursuit of success, you will attend tradeshows, generate leads, follow designated sales processes, and communicate progress to your regional director. Precise reporting, including the effective utilization of the CRM tool, will be expected within the specified timeframes.
• Your feedback will be invaluable; you will regularly provide insights to your line manager regarding pipeline, performance, sales activity, account management, market trends, challenges, opportunities, and strategies. Ensuring partner satisfaction, maintaining contractual health, and fostering strong communication between partners and back-office services will be crucial.
• As a bonus, you will take ownership and responsibility for the profit and loss (P&L) performance in your region.

Qualifications

We're looking for individuals who possess the skills and experience to excel in this role. You should have a strong background in the required field and be passionate about what you do. Additionally, we value creativity, adaptability, and a willingness to learn and grow in a fast-paced environment. If you're someone who thrives on challenges and loves to bring fresh ideas to the table, then we want to hear from you!

• Bachelor’s Degree (MBA preferred).
• Must have extensive knowledge of the Payments industry within the region.
• At least 10 years of direct B2B work experience in Banks, Payments, Fintech, or Financial Services companies, in business development or partnership roles.
• An accomplished professional with a track record of delivering results, and excellent skills in communication, organization, and negotiation.
• Exceptional networking skills with a solid portfolio of connections to banking-Fintech professionals.
• Proficiency in CRM is a requirement.
• Willingness to travel up to 50% of the time.
• A collaborative team player, open to and able to drive change, and adaptable to different situations.
• A strong understanding of customer needs, market dynamics, and industry requirements.
• Ability to foster effective working relationships with partners, third parties, and internal colleagues.
• A proactive individual who takes ownership and accountability for their work.
• Outstanding attention to detail.
• An analytical thinker and problem solver.
• Fluent in English.
• A cross-cultural individual who enjoys working with a multicultural team.

• A competitive compensation package, including performance bonuses.
• Join a global team with members from 40+ different nationalities spread across 5 continents.
• Health Insurance
• Paid Time Off
• Learning & Development

Assurity Trusted Solutions (ATS) is a reputable subsidiary of the Government Technology Agency (GovTech), dedicated to operating the National Authentication Framework (NAF) and National Certification Authority (NCA) in Singapore. Our primary focus is to establish trust in the use of digital services by providing secure and convenient identity management solutions.

We are currently seeking an experienced Senior IT Procurement Manager to join our team and contribute to our mission of enhancing Singapore's competitiveness as a trusted ICT hub for citizens and businesses.

A brief summary of your job responsibility:

• Elicit, scope and manage business requirements aligned with Government procurement strategies with application of ICT knowledge.
• Perform data analysis to enable data-driven decision on procurement strategies, supplier performance and approaches for the assigned bulk tenders. This includes research on demand and supply-related market factors to substantiate decision making.
• Manage operations of ICT bulk tender projects ensuring adherence to Government procurement processes.
• Participate in Government procurement tender and evaluation process in accordance to Government policies and procedures to meet procurement objectives with understanding of ICT industry and key players in key technical areas; provide guidance to business/technical users on specification requirements and queries.
• Draft, review and refine structure of tenders, contractual terms, and requirement specifications for ICT systems, products and services procurement.
• Advise project teams on government procurement policies and ensure compliance while meeting project needs
• Identify potential procurement risks and its implication to the project stakeholders, and propose mitigating measures to manage the risks.
• Address user clarifications to enable rapid adoption and smooth transition of participating agencies onto bulk tenders with good understanding of ICT industry key players for ICT products/services applicable to Government.
• Apply contract monitoring methods to assess suppliers’ performance, and execute contract management procedures and techniques.
• Manage suppliers (in accordance to contractual obligations) to meet stipulated service levels within scope and schedule, and perform variation and technology refresh (when necessary).
• Collaborate with project teams to ensure timely completion of procurement projects.
• Provide regular and timely project status reports to upper management and manage project timelines, stakeholders, and communications.
• Ensure compliance of ICT projects with Quality Management System (QMS) and contractual requirements.
• Conduct audit and follow-up on customers’ usage of projects.
• Perform any other duties as assigned.

To succeed in this role, you will ideally have:

• Be familiar with Government IM on Procurement.
• Minimum 5 years of relevant work experience in the ICT Industry and/or Government procurement.
• Experience in managing Cloud, Software as a Service (SaaS), and/or AGILE projects will be beneficial.
• Participated in full software or product development cycles.
• Proven experience in IT business analysis.
• Experience in Project Management for Monitoring and Tracking;
• Good knowledge of ICT procurement and contract management practices;
• Ability to communicate effectively across all levels;
• Good analytical, organization and planning skills
• Ability to work collaboratively as a team player and independently as a self-motivated individual
• Excellent oral and written communication skills, with the ability to pitch ideas and influence stakeholders
• Good command of the English language, both written and spoken

• A wholly-owned subsidiary of GovTech.
• We promote a learning culture and encourage you to grow and learn.
• We have flexible working hours with hybrid working arrangements.
• Contract Staff enjoys the same benefits as Permanent Employees.

Regional pricing strategy & execution

• Develop and execute pricing strategies across local and travel retail markets spanning Asia Pacific in collaboration with Guerlain HQ and commercial teams.
• Conduct regular analysis of pricing competitiveness across key markets to assess impact of currency fluctuations and promotional campaigns.

Analytics & business intelligence

• Deliver actionable insights on key macro-economic, market & competition trends impacting our performance across APAC.
• Consolidate business and retail performance KPIs for regular reporting to HQ and regional management stakeholders.
• Employ key business insights & analysis to prepare forecasting for operational management & annual budget planning requirements.

Strategic planning and project management

• Work closely with regional management on end-to-end business planning process from developing strategic commercial strategy, initiatives planning & road-mapping, to execution and performance tracking.
• Support preparation for top management meetings, including annual budget meetings, business reviews, market visits, COMEX presentations, etc.
• And any other topics as assigned.

Perform cost management activities on site including but not limited to the following activities:

• Cost validation for work assignments/packages and change order.
• Ascertain cost of works prior to award for each work package.
• Perform measurement of works based on SMM IEC measurement rules.
• Develop Notes On Pricing.
• Vetting of Packages Bid Form. Bidders qualifications and bidders list proposal for each procurement package.
• Provide regular report on procurement progress and cost tracking.
• Procurement package delivery status report.
• Develop implementation plan, including timing, resources, and program management necessary to achieve the identified savings per assigned work/project.
• Develop overall cost tracker for entire Works.
• Advising % of contingencies & projected cost escalation for labour + material.
• Participation during design meeting, bid interviews and negotiation.
• Determine Contractor’s Basis Of Estimate and provide professional advice.
• Drive for negotiations for change order and track the negotiation effort. Negotiation should be based on data.
• Conduct sourcing events, including request for quotations (RFQ) or request for proposals (RFP), negotiations with bidders, bid awards with Decision Analysis (DA), and draft Tender Recommendation Report, as needed.
• Perform general procurement (commercial and contractual) administration, management, and support.
• Procurement package expediting / delivery tracking and reporting.
• Validating GC Cost of Works, Change Orders, Monthly Claim Recommendation.

Note: Project site is in Johor Bahru, Malaysia

• To be responsible for overall project management in ensuring the quality, cost, statutory, safety and environment issues and project scheduling requirements are met
• To be responsible for overall co-ordination and management of construction projects including progress, logistics, quality, cost and client relations
• To coordinate between client, architects, engineers and consultants
• To monitor the use of site labour, materials and plant resources in accordance with the project cost budget
• To manage the implementation of the master programs, manpower, materials & plant schedules
• To ensure all short-term programs are properly reviewed and communicated to all parties concerned
• To ensure proper safety conduct and standards of all site operations
• To provide effective and efficient site administration, meetings and reporting
• To plan and organize various statutory inspections
• To act as client representative, managing the daily running of the project
• To facilitate progress meetings and produce project reports
• To update the master programs.
• To facilitate site meetings and inspections to report on quality and progress
• To manage other consultants and the professional team
• To assist with the procurement and appointment of other consultants as needed

Summary

This position is responsible for the management of sales activities in line with the annual sales and marketing plan and to achieve/exceed budget in executing the sales strategy of the Hotel.

Job Responsibilities

• Achieve daily targeted number of sales calls with effectiveness.
• Develop business leads for the Hotel on a weekly basis.
• Prepare monthly list of accounts to penetrate for the following month.
• Plan a minimum of 2 site inspections/entertainment meetings per week to qualified potential accounts or new accounts.
• Prepare monthly action plan for main market segment.
• Perform monthly review account profile on room nights production and average rate.
• Monitor competitors’ rate strategy, account penetration and marketing activities to maintain a competitive edge.
• Fully responsible of accounts under his/her management, including contracting, updating profile and renewing contracts.
• Update management on VIP arrivals, meet and greet accordingly.
• Up-sell, cross-sell and promote Hotel facilities & services at every available opportunity in order to maximize sales revenue.
• Conduct negotiations to achieve the best profit and rates for the Hotel.
• Attend hotel clients and local community business events to network and maintain high visibility.
• Update Director of Sales & Marketing on market trends and business leads.

We are looking for a Digital Sales Intern, Regional Digital Sales (APAC) to join us in scaling our platform, and bringing thousands of best loved restaurants online across all of our markets. If you love working with technology and a diverse group of people to ideate on creative solutions, you will find your tribe here at foodpanda. You will get the opportunity to gain practical work experience in a dynamic tech company and get involved in exciting projects that have a meaningful business impact. You will be a part of a highly collaborative team and work closely with experienced sales professionals across the APAC region to drive the growth of our business.

Responsibilities:

• Sales Process Optimization: Streamlining sales processes to improve efficiency and effectiveness. This may involve refining lead generation strategies, implementing sales automation tools, standardizing sales workflows and coordinating training sessions or workshops to educate stakeholders on the rationale behind the changes, how they will be implemented, and the expected benefits.

• Sales Technology Integration: Evaluating and implementing sales technology solutions to enhance productivity and effectiveness. This could include CRM systems, sales automation tools, analytics platforms, and communication tools.

• Cross-Functional Collaboration: Collaborating with other departments such as marketing, sales performance & analytics, and operations to align sales efforts & sales projects with overall business objectives. 

• Sales Analytics and Reporting: Analyzing sales data to identify trends, opportunities, and areas for improvement. Generating reports and providing insights to help sales teams make informed decisions.

• Sales Product Management: Evaluating and prioritizing feature requests based on various criteria such as business impact, customer demand, strategic alignment, and resource availability.

Requirements:

• Analytical Skills: Strong Analytical skills, ability to extract and analyze data to provide actionable insights

• Communication Skills: Ability to communicate and collaborate effectively with a diverse range of people and job functions

• Organizational Skills: Strong organizational skills in managing multiple tasks, projects, and priorities simultaneously

• Teamwork and Collaboration: Good team collaboration spirit with the ability to work independently and efficiently  deliver useful business insights

• Problem-Solving Abilities: Strong problem-solving abilities and a proactive approach to overcoming obstacles are essential

• Technical Skills: Proficiency in SQL, google sheets and salesforce will be a plus

• Strong passion in the food delivery and q-commerce industry and willingness to learn!

• Able to commit for at least 6 months full time internship

The Food & Beverage Manager is responsible for the entire management of all aspects and functions of restaurant, bar, meeting space and F&B sales in accordance with hotel standards. Direct, implements and maintain a service and management philosophy, which serves as a guide to respective team members.

Primary Responsibilities

Business Performance

• Develop, plan & execute departmental budget and weekly forecast based on revenue and expenditure on monthly basis.
• Analyze and review month-end reports, P&L and identify deviation from business plan goals that requires immediate action plan.
• Participate in management meetings to review progress towards achievement of business plan goals and develop the annual business plan related for the department.
• Plan, implement and measure profit enhancement programs by working with the kitchen & Marketing Department. Review and analyze all post-mortem promotions report, daily revenue, sales productivity, marketing productivity.
• Develop and drive department balance scorecard to ensure that all key metrics are achievable and exceed expectations.
• Implement and maintain control measures to ensure that food & beverage costs, productivity, labour costs and operating supply costs for the outlet is in line with budget.
• Constantly keep up to date in trends, meeting with vendors, finding the gap in the market to leverage and ensure that all projects are measurable.
• Develop and drive F&B Marketing Plans, annual promotions plan and adhoc specials.
• Drive social media strategies and implement innovative, creative and out of the box ideas
• Data driven with clear thought process to drive measurable results
• Constantly delivering WOW experiences that is truly memorable to every guests
• Deliver and support outlet to achieve exceptional LQA Standards in the outlet

Outlet Operations

• Conduct departmental daily briefings to ensure that all pertinent information is well received by team members
• Supervise team members to ensure that all tasks assigned/required in the outlet are carried out on time and according to instruction and departmental standards
• Build a good relationship with guests and remember individual guest’s names and their preferences to extend a personalized service
• Handle guests’ complaints and comments tactfully and efficiently
• Handle all administration work pertaining to cashier/bar operation requirement and company’s policies
• Maintain department communication logbook and updated notice board
• Check the supply of equipment/stock level and ensure that there is no shortage of items which have impact on the operation and guests
• Check the outlet/back of the house cleanliness to ensure that it is in compliant with F&B sanitation and hygiene rules and regulations
• Maintain complete knowledge of all food & beverage services, contents & preparation methods, outlets and hotel services/features
• Ensure that LQA Standards, health, safety and security procedures are in place in the outlet
• Attend all briefings, meetings and trainings as assigned by management
• Perform proper handover and communication to the next shift
• Assist other food & beverage outlets with their operations during peak times or when required

Team Management

• Interview, select and recruit outlet employees
• Identify and develop team members with potential
• Conduct performance review with the team
• Constantly monitor team members’ appearance, attitude and degree of professionalism
• Develop, conduct maintain all staff training programs for team members, focusing on their development needs, providing them with new skills to meet the changing needs of the business
• Prepare weekly staff schedules keeping in mind anticipated business, operating budgets and standards of service
• Prepare payroll and gratuity reports
• Conduct monthly departmental meetings to provide information to team members, obtain their feedback, rectify operation issues and provide a regular forum for department communication

Hi. We’re OFX, a global provider of online, international payment services. We solve the complexity of moving money and enable better decisions. Headquartered in Sydney with offices worldwide, we’re a customer-focused business that is all about inspiring customer confidence.

At OFX, you’ll have the opportunity to reach beyond your role and function across disciplines. Make use of your diverse skill set at a business that values your expertise and turn your potential into reality.

Purpose of your role 

We are hiring a Business Development Manager for Singapore, who will be an integral part of the Singapore OFX team. You will play an important part expanding revenue streams by qualifying and acquiring new leads across the Mid-Size Business Segment. You will focus on solution-based sales, to educate prospective clients on OFX's service and products. You will collaborate with other members of the sales and dealing team to successfully secure prospective clients and build business relationships.

What you will be doing:

• Intelligently research, identify and build a strong pipeline of leads and opportunities.
• Maintain strong pre-sales activities through your own network and direct prospecting.
• Present and explain OFX's value proposition, products and services to the prospective clients.
• Meet and exceed revenue targets as an individual; help overall team in achieving their targets.
• Collaborate with OFX's broader team to stay updated with new and existing compliance and legal regulations, product advancements and distribution channels.
• Actively contribute and consult on longer-term strategic sales direction in Asia. Support strategic initiatives which will enable the Asia team to deliver on market expansion and revenue targets. 
• Manage data for new and prospective clients in Salesforce, maintain tracking and recording activity.

As an Area Manager, you are responsible for reaching the Sales and Profit goals in your Area by setting a plan to deliver a Great Customer Experience in line with the Sales Market ambition. You ensure you have great teams and support their development. You work with succession planning, talent and leadership development and structured performance management for your Area Team and Store Managers based on results, values and leadership. As a partner to the Sales Manager, you lead the business and people according to H&M values, standards, policies and procedures in your Area.

Key responsibilities

• You deliver on sales and profitability through excellent customer experience – regularly analyzing and following up on your Area’s sales and profit kpis and taking actions accordingly to maximize results. This is achieved together with the Area Controller to set hours plan inline with sales budget, traffic and conversion opportunities in stores.
• Together with the Area Team, you prioritize actions that have a clear impact on selling – such as, and not limited to, implementing and following up on store operations best practice; follow up on store execution via customer experience tool; ensure H&M customer service standards are delivered in all stores; securing the inventory / customer offers at an optimized level; and empowering store management team to make right commercial decisions.
• You actively prevent loss together with store management and area team, as well as have an overview of competitor landscape, potential risks, threats and opportunities together with the relevant support office functions.
• Oversee and manage recruitment, training, development and succession planning for Store Managers and Area Team in line with your sales market strategy and goal – you monitor, evaluate and manage the performance of Store Managers and Area Team members, executing dialogue, development plans, feedback, follow-ups and take actions accordingly.
• You actively work with talent and leadership development within the Area Team and Store Managers, bringing to live our Values and H&M Culture.
   

A Sales Advisor is responsible for delivering the best customer experience that contributes to the store’s sales and profit. As a Sales Advisor, you’ll always put customers first, offer assistance, and share your product and fashion knowledge. You’ll create an environment that is easy for customers to shop through store operations and great garment care. You will also share your knowledge and skills with your colleagues, offering help where needed to build a positive working environment.

Key Responsibilities

• Provide great customer experience.
• Fold, hang, display, and merchandise garments to maximize selling opportunities.
• Actively process, stock and replenish garments on the sales floor and in the stock room.
• Open, unpack, and label merchandise with security tags.
• Support customer purchases and returns in the register.
   

About the role

Reporting to the client's supply chain manager, this role will work closely with internal and external stakeholders to strategise, manage and coordinate the growth of their logistics function.

What you will be doing

• Assess and advise supply chain managers on all existing and potential opportunities with regards to freight forwarding in the region
• Act as central POC for all matters logistics and freight forwarding, in all related regions:
• Utilise Bollore's global network to address all existing ad hoc needs for freight forwarding/ logistical activites that arise across client's APAC project footprint
• Verify client's supplier's logistical solutions and advise/promote alternatives where plausible
• Work with client's projects to expedite supplier shipments, in line with contractual delivery dates
• Through co-ordination with Bollore's BI team, guarantee the flow of logistics intelligence into client platforms for monthly report on global logistics landscape, verify and challenge the data where necessary
• Assist supply chain managers with necessary information required to develop the logistics category strategy
• Promote and drive logistics sustainability initiatives in collaboration with client's supply chain and sustainability teams
• Familiarise oneself with client's existing logistics and supply chain risk platforms, contributing with data and know-how where necessary
• Prepare (multi-regional) monthly structured billing for any and all logistical services provided by Bollore to client, to be approved by a supply chain manager (and regional contracts teams if necessary)
• Any other logsitics-related tasks deemed relevative by supply chain managers

The successful candidate

• Demonstrated work experience in APAC logistics landscape of at least 5 years
• Strong knowledge in customs compliance
• Project implementation experience
• Strong ability in data analytics
• Excellent communication skills
• Proactive problem solving and continuous improvement mindset

• Perm
• At least 8 years of experience in managing security for On-Prem Infrastructure and 5 years+ in DevSecOps/SecOps with Cloud environments (IaaS/PaaS/SaaS)
• Experienced in building an internal SOC team and/or managing MSSP.
• Strong communicator and experienced working with C-suite / senior management stakeholders.

Job Description

Cybersecurity Leadership and Risk Management

• Lead overall cybersecurity strategy, risk management, and incident response.
• Provide leadership to the enterprise’s information security organization.
• Collaborate with business stakeholders to raise awareness of risk management concerns.
• Assist in business technology planning, offering current knowledge and future vision of technology and systems.
• Regularly communicate at the executive/company level on global cybersecurity matters.

Governance / Audit / Risk / Compliance Management

• Lead, conduct, and liaise with internal and external auditors for periodic IT/security audits.
• Formalize risk management for business and IT through risk assessments.
• Propose investments in solutions to mitigate risks.
• Facilitate risk assessment and management processes with business units.
• Ensure compliance with local and global IT/cybersecurity regulations for shore offices, cloud environments, and vessels.

Project Initiatives

• Continuously survey and identify security gaps in infrastructure, cloud, and vessels.
• Propose and manage timelines, budgets, and scopes for IT security projects.
• Collaborate with stakeholders (internal/external) to enhance the company’s overall IT security posture using solutions like Bitsight, Watchtower, CSA, etc.
• Analyze risks and impacts during the implementation of new technologies.

Operations

• Own, develop, implement, and monitor a comprehensive enterprise information security and IT risk management program. This program should cover on-premises, cloud, and vessels globally across the group of subsidiaries.
• Drive ongoing cybersecurity awareness programs and campaigns (e.g., phishing, USB attacks) to enhance users’ awareness.
• Develop and enhance an information security management framework for the organization.
• Incident Response: Assume overall responsibility for incident response related to cyberattacks.
• BCP Initiatives: Collaborate with external vendors and internal IT management to design, develop, and implement cyber-related IT business continuity planning (BCP) initiatives (e.g., incident response, alternative workplace solutions, and strategies).

• Degree or Master’s Degree in a technology and/or cybersecurity related field required.
• Professional security management certification (CRISC, CISSP, CISM, & CISA, Qualified Information Security Professional, Certified Ethical Hacker, etc).
• Excellent written and verbal communication skills and high level of personal integrity.
• Excellent experience working and presenting to C-suite executives on cyber initiatives.
• Innovative thinking with strong people engagement skills with an ability to lead and motivate crossfunctional, interdisciplinary teams.
• Experience with contract and vendor negotiations and management including managed services.
• Experienced with working in organization that does in-house cloud native software development.
• Experience with security standards / processes in a Cloud computing/Elastic computing environment, especially in Azure.
• Strong business acumen required to comprehend and evaluate business scenarios, make informed decisions, and take the necessary steps to achieve the organization's goals. However, having experience in the shipping industry is not a requirement.
• Min. 8 years or more experience managing security for On-Prem Infrastructure and at least 5 years (DevSecOps/SecOps) with Cloud environments/instances (IaaS, PaaS & SaaS).
• Minimum of 8 to 10 years of experience in a combination of risk management, information security.
• Min. 5 years or more hands-on experience in evaluating, selecting, designing, and implementing various security processes, policies, and solutions.
• Experienced in building an internal SOC team and/or managing MSSP.
• Familiar with various data privacy and cybersecurity framework (e.g. NIST, ISO 27001/27002, SOC2, GDPR, OWASP, Mitre, etc). Experienced with BIMCO is a plus.
• Proficient with implementing and managing advanced and/or automated security solutions (e.g. IDS/IPS ,EDR/XDR, DLP, PIM/PAM, SIEM, SOAR, SASE, SWG, BAS, ..)
• Experienced with implementing various cybersecurity architecture, e.g. OSI, Zero Trust Architecture, etc across Cloud and on Prem environments, including Azure / AWS.

Triton AI Pte Ltd
Registration Number: R1980724
EA: 21C0661

• Perm
• Bonus
• Medical & Insurance Coverage
• Hybird Work Arrangements

Privyr is a Singapore-based, venture-backed startup that helps consumer-facing salespeople & businesses contact and convert leads into clients from their phones.

We're trusted by 150,000+ sales professionals & businesses across more than 100 countries around the world, who have received and engaged with over 25 million leads through Privyr. Our customers come from hundreds of professions including real estate, insurance, automobiles, trainers & coaches, doctors, lawyers, farmers, and even magicians.