What we are looking for:

- Skill set of an Asst Vice President (AVP Level) For MAS610 Financial Reporting System Support (Functional).

- Domain knowledge in MAS610, Finacial Accounting & Financial Reporting is a must.

- SQL Queries is a must

- Main duties are focused on ensuring MAS610 regulatory reports are provided to business users as per SLA.

- Work Hours: Mon – Fri, 9AM – 6:30PM (Includes monthly peak period 1st to 10th of each month – Ad-hoc weekend work during peak, off-in-lieu given)

Your team will support the BANKS Group Finance department to understand the business objectives, requirements and processes of the various Finance stakeholders and provide end-user maintenance of the Finance systems and related processes.

Job Scope:

The candidate will be part of Financial Information Management (FIM) within Group Finance under the System Production Support organization structure. The key responsibilities include:

• Ensure timely and accurate service delivery in accordance with Service Level Agreement
• Understand system set up implications due to changes in requirements or new products, and updates the necessary system configuration and procedure.
• Review and ensure operational problems, issues and queries are resolved promptly and satisfactorily
• Identify areas of improvements for implementations
• Gather requirements from stakeholders and work closely with IT and relevant stakeholders to support implementation including performing User Acceptance Testing

Job Requirements:

• Degree in Accounting / Finance/ Business or its equivalent professional certificates
• At least 5 years demonstrated experience in banking industry and conversant with current accounting policies and banking regulations
• Have a good understanding of technology and operational needs of one or more of the following subject areas:
• Financial accounting
• Financial reporting
• Regulatory reporting related to Finance and Risk within a banking environment to support MAS610 regulatory submission
• Aptitude for system related work, good knowledge of project planning and implementation including requirement gathering, system testing and system end-user maintenance
• Proven business analysis skills, including developing business / functional requirement, user test strategy and test scripts
• Strong capability in process control and operational risk management
• Experience in SQL, MS PowerPoint, Excel and Word
• Strong skills on data analysis via tools such as OBIEE, Power BI or Qlik Sense
• Proven team player with strong interpersonal skills, possesses drive, initiative and is a self-starter
• Strong communication skills and superior attention to details

Main Responsibilities:

• Collaborate with business stakeholders on business and non-functional requirements to ensure they are well gathered and documented, translate to specifications.
• Perform analysis (data, business process mapping, system flows), business case and functional documentation, and facilitate workshops on requirement discussions/gathering.
• Perform technical reviews, test scenario creation and reviews, testing and support deployment for IT projects
• Lead discussion with APAC IT teams, Head Office teams and/or vendors to identify appropriate IT solutions, establish scope and timeline, and monitor the deliverables are achieved on time and with quality
• Proactive communications and status update to business stakeholders, and IT management.
• Ensure effective solution/application support to business users and issue resolution within agreed service level by working with the respective IT/vendor teams. Provide link between end users and development team regarding software functionality.
• Support Project Team to manage vendors to deliver application evolutions, maintenance and support tasks.
• If you are someone with great adaptability and interpersonal skills, enjoy taking challenge with a diagnostic approach, this is the role for you!

Minimum Requirements:

• Minimum 3 years Experienced
• Bachelor’s degree in Computing / Information Systems or related field
• Excellent communications skills both written and spoken, and presentation skills
• Good knowledge of software development life cycle and understanding of the building blocks of the information system: application layers, infrastructure and security.
• Knowledge/experience in Low-code technology, Dashboarding tool (Qliksense etc), data analytics techniques
• Knowledge/experience in the Shipping/logistics industry will be advantageous

Interested parties, please click the "Apply Now" below,

We regret that only shortlisted applicants would be notified.

Evonne Png Wen Xuan | REG No : R22105531

PERSOLKELLY SINGAPORE PTE LTD | EA License No : 01C4394

This is in partnership with Employment and Employability Institute Pte Ltd (“e2i”). e2i is the empowering network for workers and employers seeking employment and employability solutions. e2i serves as a bridge between workers and employers, connecting with workers to offer job security through job-matching, career guidance and skills upgrading services, and partnering employers to address their manpower needs through recruitment, training and job redesign solutions. e2i is a tripartite initiative of the National Trades Union Congress set up to support nation-wide manpower and skills upgrading initiatives. By applying for this role, you consent to e2i’s PDPA.

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

Job Description:

· Managing full spectrum of business development activities for the assigned products/ solutions to generate sales

· Analysing assigned products to develop concepts and presenting them to partners

· Conducting market researches and analyses to develop efficient business strategies (that could generate higher sales revenues)

· Preparing and conducting routine product updates, and developing marketing strategies/ programs for the channel partners

· Building strategic relationship with the IT Vendors & partners to provide solutions to partners and end-users

· Preparing for the routine business and sales revenue forecasts by working with product vendors

· Other related duties as assigned

Requirements:

· Tto have minimum 4 years of relevant IT Business Development/ Account Management, with at least 2 years in a senior management or leadership role.

· Bachelor’s degree in Business Administration, Marketing, Computer Science, or a related field

Interested applicants, please email your resume to Karin Chan Wei Kien

Email: [email protected]

CEI Reg No: R1104584

EA Licence No: 99C4599

Company Registration Number: 199601303W

Job Scope

• Execute risk management plans for medico-legal cases and clinical complaints.
• Promote good clinical care through specific tasks and projects.
• Manage medico-legal cases, clinical complaints, and the claims process.
• Oversee medical malpractice coverage renewal and administration.
• Lead medico-legal education and communication efforts.
• Serve as Secretariat for the Clinical Care Review Committee (CCRC).
• Handle ad hoc projects.

Requirement

• Min Degree
• Prior experience in Complaints Management Feedback

All qualified applicants, please click “ APPLY NOW”

Kimmy Low Yi Ting (Kim) | CEI Registration Number: R23112122

Recruit Express Pte Ltd Company Reg. No. 199601303W | EA LICENCE Number: 99C4599

Digital Marketing Executive (Client servicing)

• Working Timing: Mon to Fri, 9am – 6pm
• Working Location: Hybrid (3 days in office - Kallang Junction, 2 days WFH)
• Salary: $2,600 - $3,000

Responsibilities & Duties

• Manage client portfolio to help our clients improve their traditional, online & social presence.
• Deep understanding of online advertising, Influencer marketing and solid experience in marketing with a customer service approach.
• Develop digital campaigns to increase engagement on social media platforms.
• Implement and manage Google Adwords, Facebook, IG and Tiktok Campaigns
• Generate Ideas and Develop Content for social media platforms
• Monitor and optimize ad campaigns
• Measure Campaign performance using a variety of web analytics tools
• Acquire insight into online marketing trends and keep up-to-date on strategies and best practices

Requirements

• Min Diploma in Marketing/Advertising/ Media or equivalent are welcome to apply
• Experience in client servicing and key account management
• Knowledge and experience in most social media management and trend is a must

☎️ Whatsapp +6588278652 (Hym)

Goh Hym Yien Reg No: R24121939

The Supreme Hr Advisory Pte Ltd EA No: 14C7279

We are looking for talented and highly energetic, result focused account executives/account managers for our Singapore office. The candidate will be responsible to generate new business for the organization. The role offers exciting growth and learning opportunities.

Key Responsibilities:

• Manage the entire sales process from prospecting to close using consultative sales methods.
• Develop and manage managerial level relationships at small and medium size organizations.
• Maintain a high level of Sales activity.
• Build a healthy opportunity sales pipeline to achieve and exceed monthly/annual sales quota
• Drive the entire sales cycle from initial customer engagement to closed sales.
• Prospect for potential customers using various direct methods such as calling and face to face meetings, and indirect methods such as networking.
• Qualify prospects against company criteria for ideal customers and sales.
• Consult with prospect about business challenges and requirements, as well as the range of options and cost benefits of each.
• Maintain a high level of relevant domain knowledge in order to have meaningful conversations with prospects.
• Make presentations to decision makers.
• Draft and deliver proposals.
• Work with technical staff, product specialists and customer service where required to address customer requirements.
• Develop and maintain key account plans that identify opportunities for company to deliver value, strategic motivators, main stakeholders, buying processes and forecasted sales.
• Provide forecasts on best case and most likely sales volumes over relevant time periods.
• Provide feedback to sales management on ways to decrease the sales cycle, enhance sales, and improve company brand and reputation.
• Provide feedback to company management on market trends, competitive threats, unmet needs, and opportunities to deliver greater value to customers by extending company offerings.

Desired Skills:

• Experience with in B2B selling preferrable media selling, consultative sales
• 1-3 years of B2B sales experience
• Exposure to HR software, SaaS sales would be an advantage.
• Track record of over achieving sales target.
• Able to self-motivate and work independently.
• Ability to effectively manage time, prioritize tasks and work within deadlines.
• Proficiency in Power Point, Excel and MS word.
• Excellent verbal and written communication skills in English.

Responsibilities:

· To provide sales administrative support to the Sales Team.

· Assist in the preparation of delivery order, purchasing order and invoicing

· Handle phone and email enquiries, ensuring timely responses

· Maintain good filing, photocopying, scanning documents & proper records of documents and correspondences.

· Prepare schedule plan and arrange delivery

· Provide administrative support and undertake additional tasks as needed

Requirements:

• Good coordination and communication skills
• Basic knowledge of Microsoft Excel and Word
• Good team player and self-motivated
• Administrative experience in the sales department is a plus

Industry: Nightlife (Bar & Restaurant)
Location: Islandwide (3 outlets)
Salary: S$2,800 - $3,200
Working Hours: 5 days/week (Flexible)

Key Responsibilities:

• Develop and execute marketing campaigns.
• Support events, menu launches, and promotions.
• Track campaign performance and market trends.
• Manage social media content (Instagram, TikTok, Facebook).
• Assist in budget and resource management.
• Collaborate with internal and external teams.

Requirements:

• Degree in Marketing or related field.
• 1-3 years of experience in nightlife (Bar & Restaurant).
• Passion for music and nightlife.
• Strong communication and organizational skills.

Benefits:

• Employee Discount
• Flexible Schedule
• Duty Meal
• Health Insurance
• Performance Bonus

For interested applicant, click 'apply'

EA Reg no: R1328476
EA License No: 16C8443
EA Personnel Name: Melody
EA Personnel No: R2095899

Job Title: International Marketing Manager

Location: Singapore

Reports To: The Founder

About our Client

Our client is a homegrown Singaporean luxury jewellery brand looking to expand their reach outside of Singapore. With an initial focus on the London, Paris and US markets, our client aims to expand their global presence and enhance their brand identity. They are seeking a Marketing Manager to join their team in Singapore.

The Marketing Manager will play a pivotal role in developing and executing marketing strategies tailored to the unique dynamics of key markets. This position requires a strategic thinker with a background in the jewellery industry and experience working with global teams.

Key Responsibilities:

● Strategic Planning: Engage with partner agencies to develop and implement comprehensive marketing strategies that align with the brand's goals and resonate with London, Paris and the US target audiences.

● Campaign Execution: Lead multi-channel marketing campaigns, including digital marketing, social media, email, and events, to drive brand awareness and customer engagement.

● Market Insights: Conduct in-depth market research to identify trends, consumer preferences, and competitive analysis, providing actionable insights to inform marketing strategies.

● Cross-Functional Collaboration: Work closely with global product development, sales, and creativity teams to ensure cohesive messaging and branding across all platforms.

● Content Development: Oversee the creation of engaging content for marketing materials, the website, and social media channels that reflect the brand’s identity and appeal to target markets.

● Performance Analysis: Monitor and analyse campaign performance metrics, preparing reports to evaluate effectiveness and optimise future initiatives.

● Brand Consistency: Act as a brand ambassador, ensuring consistent messaging and positioning across all marketing efforts.

● Media Engagement: Drive media engagement strategies, managing content distribution, partnerships, and communications to enhance brand visibility and audience interaction across digital and traditional platforms.

● Budget Management: Manage the marketing budget effectively to ensure a strong return on investment for marketing initiatives.

Qualifications:

● Bachelor’s degree in Marketing, Business, or a related field

● 5+ years of marketing experience, preferably within the jewellery industry.

● Proven experience working with global teams, focusing on the London and US markets.

● Strong understanding of digital marketing trends and best practices.

● Excellent communication and interpersonal skills.

● Creative mindset with a keen attention to detail.

● Proficiency in marketing analytics tools and CRM systems.

If you’re ready to make an impact and elevate your career with us, we’d love to hear from you!

Please submit your CV and a cover letter outlining your relevant experience and why you are a great fit for this role to [email protected]

Accela Recruitment Services Pte Ltd
EA License: 15C7529EA
Personnel No: R22107085

Responsibilities:

1. Marketing Campaigns: Plan, execute, and monitor marketing campaigns to promote the agency's services.
2. Social Media Management: Create and manage content for platforms like Facebook, Instagram, and LinkedIn to engage customers.
3. Lead Generation: Identify and attract potential customers through online and offline marketing efforts.
4. Customer Engagement: Communicate with employers to understand their needs and promote tailored services.
5. Brand Promotion: Develop strategies to enhance the agency’s reputation and brand presence.
6. Advertising: Work with designers or vendors to create promotional materials, such as flyers, brochures, and ads.
7. Market Research: Analyze market trends and customer feedback to identify opportunities for improvement.
8. Collaborations: Partner with relevant organizations or platforms to expand outreach.
9. Events: Organize or participate in job fairs, workshops, or events to promote the agency.

Requirements:

• Diploma/Degree in Marketing, Business, or a related field.
• Experience in marketing, preferably in the maid or service agency industry.
• Strong communication and interpersonal skills.
• Proficiency in digital marketing tools and platforms.
• Ability to work independently and as part of a team.

Key Skills:

• Creativity and content creation
• Social media management
• Customer relationship management
• Data analysis and reporting

about the job

• Manage existing customer and develop new potential opportunities
• Responsible to manage customer RFQ, check/buy off quotation for submission
• Ability to handle all the enquiries and negotiation with customer
• Responsible to perform Sales Contract/ Manufacturing Service Agreement reviews and negotiation
• Lead team to fulfil customer escalations/reschedule
• Manage product EOL, ECO, OBS, inventory
• Drive cost reduction by working with internal functions

skills & experience required

• Msc / Degree in Mechanical / Mechatronics / Electromechanical Engineering
• Minimum 15 years of business development & sales working experience in a contract manufacturing (high mix low volume) environment
• Experience with medtech/ medical devices manufacturing in a contract manufacturing environment will be a big plus
• Knowledge of the machining process and ability to read technical drawings
• Possess with Manufacturing Management experience is required
• Experience in the pumps industry will be a plus
• Able to travel to overseas,global for work assignment around(30-40%)

If you are interested in the position , kindly send your CVs in to yitwei.kwan(@)randstad.com.sg

Please include your availability, expected salary and reason for leaving your current job

We regret that only shortlisted candidates will be contacted

EA: 94C3609 / Reg: R1325913

5 / 6 days | Retail working hour (Rotate shift) | Central Area

Job description:

• Daily store operation & housekeeping
• Inventory check
• Attending client inquiries
• Provide customer service
• Assisting client repair request and follow up on the process
• Daily opening and closing (follow company SOP)
• Cash counting
• Opening closing safe box
• Complete task assigned by manager
• Doing basic paperwork, filing & excel sales report
• Daily settlement

Tee Xin Li Reg No: R24121619
The Supreme Hr Advisory Pte Ltd EA No: 14C7279

DUTIES AND RESPONSIBILITIES :

Unless otherwise specified by the Company or your Reporting Officer, your duties and responsibilities shall include:

• Develops long-term goals and objectives in collaboration with the President and the executive council, and ensuring that the organisation's activities align with its mission and objectives.
• Oversees the day-to-day operations of the association. This includes managing staff, departments, and resources to ensure efficient and effective functioning of the organisation.
• Responsible for recruiting new members and retaining existing ones. This may involve developing membership benefits, organising networking events, and fostering a sense of community among members.
• Oversees the financial health of the association, including budgeting, financial planning, and ensuring compliance with financial regulations.
• Cultivates relationships with other organisations, government agencies, and industry partners to advance the goals of the association. This may involve collaborating on joint initiatives, forming alliances, and seeking opportunities for mutual benefit.
• Monitors legislative and regulatory developments and, together with the President and the executive council, develops policy positions, and advocates for policies that benefit members.
• Works closely with the executive council and implement executive council directives.
• Identifies and mitigates risks that may affect the association's operations or reputation. This may involve developing risk management strategies, ensuring compliance with legal and regulatory requirements, and maintaining appropriate insurance coverage.
• Responsible for fostering a culture of innovation, excellence, and continuous improvement within the association. This may involve developing staff talent, implementing organisational policies and procedures, and promoting diversity and inclusion.

Job Requirements :

Minimum Diploma / Degree and above in any discipline .

Must be multi-lingual .

High level of leadership skills .

Strong verbal and written communication skills .

Ability to communicate, present, and influence key stakeholders at all levels .

Excellent interpersonal, negotiation and presentation skills .

Broad knowledge and understanding of the principles, practices and procedures of customer service .

Work independently as well as collaboratively within a team .

Responsibilities:

• Handle all customer enquiries on Maid / Helper (Migrant Domestic Workers) hiring and handle Pre / after-sales follow-up and services.
• Match customer's requirements with Maid / Helper's profiles.
• Arrange and facilitate the selection & interview of MDWs all the way to deployment.
• Ensure that all the necessary documents are processed with the MOM.
• To perform other job related and ad hoc duties as assigned.

Requirements:

• Certificate of Employment Intermediaries (CEI) is required for this role.
• Willing to learn (Training will be provided)
• Customer oriented, trustworthy, patience and good attitude.
• Working exp in related fields or sales exp will be an added advantage.

All Successful candidates can expect a very competitive remuneration package.

Interested candidate can click the "Apply" button or kindly email your resume in a detailed Word or PDF format to [email protected]

We regret that only shortlisted candidates will be notified.

Job highlight: -

· Permanent position.

· 5-days work week.

· Convenient location near CBD & Raffles Place.

Job scope: -

· Minimum of one year of working experience in the bullion industry.

· Communicate effectively with customers and manage precious metals orders.

· Assist in KYC process.

- Conduct telemarketing activities.

- Willingness to travel occasionally, if required.

· Perform ad hoc duties as assigned.

Requirements: -

· Proficiency in MS Word, Excel, PowerPoint.

· Self-motivated, dynamic, and results-oriented individual.

• Manage & attend to specific customers to achieve company sales budget
• Account management for assigned customers
• To support and meet the department objectives and business goals
• Attend to all customer enquiries
• Provide sales forecast to plant for raw materials and production capacity planning
• Work closely with oversea representative for new customers development activities
• Assist in implementing and execute plan in developing new customers
• Provide short- and long-term plan on market demand
• Survey and analyses market information for management

Requirements:

• Degree in any Engineering discipline with 2 years of experience in similar industry
• Outgoing personality and ability to work independently
• Good knowledge of general market information
• Good marketing strategy and analysis
• Strong negotiation, interpersonal and problem-solving skills
• No experience requires if able to meet the above requirement may apply

5 days work week

Electronics Manufacturing Co.

Loyang Area (Designated pick-up point)

Interested Applicants, kindly email your detailed resume to [email protected]

Tempserv Pte Ltd

License No: 06C3745

Attention: Audris Teo / EA Personnel No: R1102063

Job Scope:

Supports the Group in providing operations, administration, and coordination support for stakeholder meetings

· Plan and coordinate and support stakeholder meetings, including:

o Source for venues and refreshments for meetings

o Liaise with IT support to prepare meeting locations

o Calling for agenda, writing of detailed notes and minutes

o Develop summary briefing presentations

Monitor work plans and preventive health work streams, calling out key gaps and shortfalls

Working Arrangement:

Location: Outram Park

Duration: 1 Jan 2025 - 31 Mar 25

Working Hours: Mondays - Fridays (office hours)

Salary: $17/H

Requirements:

Experience in coordination of meetings & project management

EA License No.: 96C4864

Reg. No.: R22110485

Responsibilities:

1. Strategic Growth Planning: Develop and implement business development strategies to grow the agency’s client base.
   Identify new business opportunities, including partnerships and market segments.
   
2. Client Relationship Management: Build and maintain strong relationships with employers, corporate clients, and industry stakeholders.
   Act as the main point of contact for high-value customers and resolve inquiries or issues.
   
3. Partnership Development: Collaborate with training centers, community organizations, and international partners to expand service offerings.
   Negotiate agreements to enhance the agency's value proposition.
   
4. Market Research & Analysis: Analyze industry trends, customer needs, and competitor activities to identify areas of improvement.
   Provide insights to refine services and marketing strategies based on market demands.
   
5. Sales & Revenue Generation: Drive sales by promoting the agency’s services to new and existing clients.
   Meet revenue targets through effective lead generation and conversion strategies.
   
6. Marketing & Outreach: Collaborate with the marketing team to develop campaigns targeting employers and helpers.
   Represent the agency at events, exhibitions, and job fairs to promote services.
   
7. Team Collaboration: Work closely with recruitment, placement, and customer service teams to ensure seamless service delivery.
   Provide feedback and input on operational improvements to enhance customer satisfaction.
   
8. Performance Monitoring: Track and report on key performance metrics such as client acquisition rates, revenue growth, and partnership success.
   Prepare regular reports and presentations for management on business development activities.
   

Requirements:

• Diploma or Degree in Business, Marketing, or a related field.
• Proven experience in business development, sales, or account management, preferably in the maid agency or service industry.
• Strong communication, negotiation, and interpersonal skills.
• Ability to analyze data and identify growth opportunities.
• Self-motivated, goal-oriented, and able to work independently.

Key Skills:

• Strategic planning and execution
• Relationship building and stakeholder management
• Sales and revenue generation
• Market research and analytical thinking

Job description

• Workplace at Plaza Singapura or Tampines One
• Responsible for opening and closing of shop (depending on the shift)
• Cashiering duties using POS
• Provide sales assistance to customers
• Manage and liaise with Production on behalf of customers for orders via outlet
• Manage food delivery platform systems and orders
• Replenish and refill display counter
• Maintain cleanliness of retail area and display shelves

Job Requirement:

• Ability to communicate in spoken and written English and conversational mandarin
• Ability to multitask efficiently
• Demonstrate strong ability to work in a team
• Prioritize efficiency and customer experience
• Responsible, assertive, positive attitude
• Open to learning new skill

Work Arrangement:

• Working hours: 12nn - 9pm (1 hour break )
• Working days: 6 days per week
• Required to work on Sundays/Public Holidays(off days to be scheduled by SalesManager)

Benefits:

• Staff Discounts
• Medical Benefits
• Company performance bonus

Job Types: Full-time, Permanent

Schedule:

• Day shift
• Weekend availability

Experience:

• Customer service: 3 year (Preferred)

License/Certification:

• Hygiene certificate (Preferred)

Job Types: Full-time, Permanent

Schedule:

• Holidays
• Shift system
• Weekend availability

• Working Days: Monday – Friday
• Working Hours: 08:00am - 05 :00pm
• Location: Taman Jurong
• Salary: $2,700 - $3,000 + $90 Transport Allowance

Responsibilities

• Brand promo activities/packaging artworks editing, managing advertising and promotion
• Support as in house designer for urgent packaging editing/new POSMs creation etc
• Website maintenance/editing (ensuring website information is up to date)
• To support in development and planning of new products with the mission of taking a product from concept to commercialisation
• To support ad hoc marketing activities whenever possible.

Requirements

• Relevant Experience in the same capacity
• Knowledge on using illustrator/photoshops for design of artworks/POSMs/editing package
• Social media knowledge/experience will be added advantage

Interested applicants can email your CV to [email protected] or whatsapp to +65 89249206

The Supreme HR Advisory Pte. Ltd || 14C7279

Chua Jie Ying (Cai Jie Ying), Evelynn || EA Personnel License R24120580

Corporate Trust Officer

• Address: Robinson Rd (Telok Ayer / Downtown MRT)
• Working days: Mon to Fri 9am to 6pm
• Salary: $4500 to $5500

Job scope:

• Assisting with the administration of legal structures including trust, companies, foundations and other similar structures.
• Ensuring the adherence of these structures to the fiduciary, statutory, regulatory, and internal obligations that they are subject to.
• Drafting of appropriate documents and other work to assist a team of administrators of administrating the legal structures and responding (or proactively engaging) with client requests.
• Assisting with contact with client, advisors and related third parties (for example external lawyers, tax consultants etc.).
• Assisting an accounts team with the preparation of annual accounts for the legal structures, by assisting qualified bookkeepers and accountants to ensure correct information is provided to them and recorded.
• Ensuring compliance with all relevant policies and procedures and learning and adhering to AML/CFT and other regulator regulations and obligations.