Total 6,399 Finance / Banking / Insurance job vacancies in Singapore - Marina View

• Establish and articulate a concise product strategy and roadmap for credit and services offerings.
• Perform thorough market research to pinpoint potential opportunities and threats.
• Oversee the entire product development lifecycle, from conceptualization to launch, and continuous enhancements thereafter.

Requirements:

• Diploma and above
• At least 2 years of experience in project management and product development.
• Proficient in MS Office.

If you are keen to apply for the position, kindly email your detailed resume in MS Word to [email protected]

Please note that only shortlisted candidates will be notified.

For more job opportunities, please visit our website at www.recruit-expert.com

EA Licence: 19C9701

Registration: R22111604

• Provide insurance broking advice and insurance placement for clients.
• Prepare various relevant documentation required for insurance placement.
• Handle renewal business and checking of policies.
• Collate documents and information relating to claims as received from various parties.

Requirements:

• Certificate in General Insurance
• Diploma in Business Management or equivalent
• At least 3 years of relevant working experience.

If you are keen to apply for the position, kindly email your detailed resume in MS Word to [email protected]

Please note that only shortlisted candidates will be notified.

For more job opportunities, please visit our website at www.recruit-expert.com

EA Licence: 19C9701

Registration: R1326740

• Provide insurance broking advice and insurance placement for clients.
• Prepare various relevant documentation required for insurance placement.
• Handle renewal business and checking of policies.
• Collate documents and information relating to claims as received from various parties.

Requirements:

• Certificate in General Insurance
• Diploma in Business Management or equivalent
• At least 3 years of relevant working experience.

If you are keen to apply for the position, kindly email your detailed resume in MS Word to [email protected]

Please note that only shortlisted candidates will be notified.

For more job opportunities, please visit our website at www.recruit-expert.com

EA Licence: 19C9701

Registration: R1326740

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

Job Description

The Compliance and Operational Risk (C&OR) Specialist is responsible for ensuring the identification, escalation and timely mitigation of compliance and operational risks in Global Markets Operations in alignment with the global compliance and operational policies and the program.

Proactively engage with other C&OR officers, including horizontal coverage owners and Enterprise Areas of Coverage, to provide comprehensive oversight of the business’ respective operations and activities.

Preparing materials for C&OR regulatory exams/audits/inquiries and provides consultation to business leaders in preparation for regulatory exams/audits/inquiries.

This role reports to the Head of Compliance and Operational Risk for Global Technology and Global Operations in APAC, and works inside, and is part of, the critical compliance and operational risk function.

The focus of this role is to provide risk management coverage of Global Markets Operations, participate in the development of compliance and operational risk procedures, assist in management routines, reporting, assist in resolving compliance and operational issues and provide training and education.

Responsibilities

• Develops and maintains C&OR-owned policies and standards and/or provides oversight of business-owned policies, standards and procedures to ensure regulatory and operational risk requirements are appropriately addressed, inclusive of conduct risk as applicable
• Monitors the regulatory environment to identify regulatory changes applicable to areas of coverage, advises business leaders on those changes, directs the appropriate areas to implement or amend policies, standards, procedures and/or processes to address regulatory requirements, and challenges the implementation plan as needed; maintains a comprehensive regulatory inventory
• Identifies, aggregates, reports, escalates, inspects and challenges remediation plans, and performs thematic analysis on business-owned issues and control enhancements
• Ensures C&OR “owned” issues and control enhancements are identified and addressed appropriately and timely
• Contributes to development of risk coverage plans, executes execution of monitoring, testing and risk assessments, communicates results to stakeholders
• Reviews and challenges contributions to the business process, risk, control inventory and Risk & Control Self-Assessments
• Reviews and challenges internal and external operational loss events, including development of remediation plans to strengthen controls, and approves where appropriate
• Participates in Scenario Analysis activities for coverage areas and challenges as appropriate
• Ensures metrics are designed to measure key risks and control performance, monitors and reports on metric performance and breach remediation

Required Skills

• A Compliance and Operational Risk professional with coverage responsibility for Operations would be ideal, or someone looking for a new challenge with direct Global Markets Operations experience
• Exposure to compliance or risk management frameworks, and regulatory background
• Understanding of Global Markets products and activities (FX, F&O, Margin & Collateral Management, Asset Services, Settlements and Clearing, Economic Sanctions etc)
• Working knowledge of regional exchange regulations, and / or client money requirements advantageous
• Practical approach to problem solving
• Ability to work well in a team and also independently
• Demonstrate intellectual curiosity and focused on continuous learning and skill development
• Ability to effectively engage with stakeholders at all levels of seniority
• Strong written and verbal communication skills
• Proficient in Microsoft Office, in particular Word, Excel and PowerPoint
• Must be able to perform well under pressure
• Strong attention to detail and accuracy

Your key roles & responsibilities include:

· Enhancing overseas compliance monitoring framework/programme

· Formulating and executing annual monitoring plan to cover all relevant offices and applicable monitoring

themes/elements

· Handling queries from offices and providing assists with proper interpretation and adherence of Japanese laws

and regulations and relevant internal rules that are applicable to the bank and its clients

· Coordinating with HQ relevant departments/sections, and effectively communicating with regional offices’

compliance personnel and management to strengthen the bank’s compliance risk control locally, regionally, and

globally

What you should have:

· A Bachelor’s Degree

· At least 5 years of relevant experience in compliance analysis, planning, relevant rule

implementation/revision/abolition process

· Special knowledge of Japanese laws and regulations, especially the ones applicable to Japanese Financial

Institutions operating overseas

· Good problem-solving skills and the ability to acquire consensus among stakeholders.

· Skills for critical & analytical thinking, articulate documentation, effective communication, relationship building

among others

· Business-level proficiency in both English and Japanese are required to read, write, understand documents as

well as communicate in those two languages with Head office in Japan, Singapore branch staff and globally

including our regional branches

· Strong understanding and affiliation to Japanese financial industry with relevant network

Responsible for providing administrative and client service support to Relationship Managers (RM) within the front office function servicing Private Banking clients.

Responsbilities:

• Provide administrative and client service support to Relationship Managers servicing Private Banking clients.
• Respond to all client enquiries and instructions and provide resolution to most issues and requests.
• Monitor transactions and activities in client accounts
• Maintain client data and reports, such as: contact lists, account numbers, facilities details, status of credit reviews/renewals, etc
• Handle administrative duties including scheduling of appointments, preparing correspondences, making travel arrangements, arranging meetings and receptions, producing presentation materials.
• Coordinate with Product Groups, Operations and other functional areas as necessary
• Ensure adherence to internal and external regulations and policies at all times

Requirements:

• Minimum 3 years of relevant experience in client servicing, operations or sales support within financial institutions
• Bachelor degree or diploma
• Strong understanding of financial products and services
• Excellent interpersonal, communication and client interfacing skills
• Meticulous, strong attention to details
• Possess future oriented mindset, strive to innovate and adapt to changes
• Strong understanding of inter-dependencies within the team and able to collaborate effectively across departments
• Ability to thrive in a fast paced environment and remain empathetic, passionate and resilient
• Preferably CACS certified

At its core, Synthetic Products Group (SPG) helps provided solutions for our clients, manages firm risk whilst maximizing profitability for a given set of resources. We build strong relationships with our institutional clients - we help them buy and sell financial products on exchanges around the world, raise funding, and manage risk. We also manage our inventory and positions on the funding spread, rates and dividend curves to maximize returns. This is a dynamic, entrepreneurial team with a passion for the markets, with individuals who thrive in fast-paced, high-pressure environments whilst making real time decisions to help drive profitability for the business.

Key Responsibilities:

• Risk taking and market making in India single stocks and Index derivatives
• Support senior traders on the desk in evaluating trading opportunities and managing risk
• Distribute best-in-class ideas and solutions to our Institutional clients
• Help identify new business opportunities and originate new client relationships with a strategic and long-term view
• Work with our quantitative strategists / engineers and CF&O teams in improving work flows that support trade execution, booking and risk management

Basic Qualifications:

• Relevant Bachelor’s degree or equivalent qualification with an excellent academic record
• 1-3 years of relevant experience
• Commercially minded and excellent communication, interpersonal, negotiation and presentation skills
• Strong analytical thinking and ability to make decisions under pressure
• Quantitative background and technical skill set

Preferred Qualifications:

• Experience in Long/Short fundamental equity research (generalist or sector specific)
• Experience in pricing/trading derivatives
• Strong programming skills

Responsibilities

• Build and maintain good working relationships with business partners (e.g. cedants, brokers, insurers, etc)
• Handle and book both facultative and treaty claims (proportional and non- proportional) in accordance with the company’s prescribed claims practice and guidelines
• Validate claims advices and relevant information (emails, adjuster reports, etc) to ensure that the claims are within policy coverage, reserves are catered for as accurately as possible, and any payments are resolved promptly with due diligence
• Consistent and active follow-up on claims to keep these up to date
• Diligent recordkeeping of all claims advices and information
• Provide support to Claim Manager on other tasks or projects

Requirements

• Diploma or higher qualification in any discipline
• Possesses 2 to 3 years of working experience in insurance and/or reinsurance claims
• Quick study who is self-motivated and has good organization skills
• Proficient in Microsoft Excel or other computer literacy skills, review and analysis of data

We apologize that only shortlisted candidates will be contacted. Thank you

By sending us your personal data and curriculum vitae (CV), you are deemed to consent to PERSOLKELLY Singapore Pte Ltd and its affiliates collecting, using and disclosing my personal data for the purposes set out in the Privacy Policy which is available at www.persolkelly.com.sg I also acknowledge that I have read, understood, and agree to the said Privacy Policy.

PERSOLKELLY Singapore Pte Ltd • RCB No. 200007268E

EA License No. 01C4394 • EA Registration No. R1653100 (Goh Jia Zhen Crystal)

GIC Internship Programme 2024

What is this about?

The GIC Internship Programme is a 12-week, summer internship Programme that provides a steep learning curve for you to experience how it is like to work in an investment firm. Tap on the knowledge of seasoned professionals as you work on live projects that create a real sense of impact.

At GIC, we have many rewarding fields to build your career in. Based on your interests, talents, and inspiration, you will attend an internship that best suits you as an individual with various guided outcomes and experiences. At the end of the internship, you may gain a spot in our GIC Professionals Programme (GPP) to springboard your career in the investment world.

Who is this for?

Our interns come from a wide variety of fields, including but not limited to – Accountancy, Economics, Engineering, Computer Science and Liberal Arts. To qualify, you must at least be a penultimate year student with no full-time work experience.

Role Purpose

This is a Contract opportunity (upto 6 months) to cover the responsibilities of the Head of Business Development, Global Banking Singapore.

The role is a senior leadership role, partnering with the HSBC leadership team to drive the development and execution of strategic initiatives within the Global Banking business with a view to attaining improved business performance and enhanced operating effectiveness as well as improved client experience.

Business Development is required to maintain consistent, close engagement with the Global Banking head and other Stakeholders to implement a wide range of initiatives which are central to the effective operation of the business.

Key responsibilities includes but is not limited to shaping and driving business strategy, cross product collaboration, planning and cost management, focusing on the effectiveness of business processes which impact banker productivity and overall client experience as well as driving the people and culture agenda.

Business Development is also the bridging point into GB for many of the functions supporting the business and involves working closely with a wide range of stakeholder groups to ensure that the support provided into Global Banking is aligned to the business strategy, that risks are effectively managed and issues are anticipated or quickly resolved.

Principal Accountabilities

• Supporting senior management in leading the development and implementation of business development strategies and initiatives focused on driving growth and business performance as well as enhancing Global Banking product and coverage capabilities.
• Championing and coordinating collaboration initiatives
• Responsible for overseeing and managing the overall cost profile of the front office including the prioritization and management of hiring.
• Working across Global Banking stakeholders as well as with functional partners to enhance the end to end client experience ensuring we are able to respond to banker and client feedback.
• Identifying and leading initiatives focused on improving banker effectiveness and overall business productivity through the effective use of business analytics, automation and information tools as well as process simplification.
• Enhancing Global Banking products and business capabilities as well as ensuring wider change programs such as those addressing regulatory requirements have the necessary business input throughout the process.
• Supporting the design and implementation of the Global Banking people agenda across the region/country as well as initiatives focused on enhancing banking conduct and promoting the highest cultural standards to support the Group’s strategy for sustainable growth and streamlining of business processes and procedures.
• Work with relevant teams to ensure all internal controls and compliance procedures covering all business activities of Global Banking are supportive for growth, customer oriented, and in line with Group / local regulatory standards.

Experience, Skills and Qualifications

The job holder will ideally have knowledge and experience in the following areas:

• Proven leadership and relationship management skills in dealing with all levels, with the confidence to interact with executive & senior management and make measured decisions which may have far reaching implications
• Exceptional drive and commitment; ability to work and thrive in a fast changing, results driven environment; and proven ability in handling competing priorities
• Sound judgment, decision making and problem solving abilities
• A self-starter who is not afraid to speak up and face a challenge; also open to listen to guidance and learn as they go
• Sound understanding of the HSBC Global Banking strategy, commercially minded and customer focused
• Strong influencing, interpersonal, negotiation and conflict resolution abilities
• Excellent communication (written & verbal), planning and organisation skills
• An inquisitive mind who is not afraid to challenge the status quo, continuously look at ways to improve processes
• Ability to highlight problems but more importantly offer innovative and practical solutions, and drive through their execution in a collective environment and in a timely manner

* Basic Up to S$18,000
* Work Life Balance & Friendly Environment
* Incentive Scheme & Career development
* Candidate with Minimum 15 Year experience in Investment Finance Industry
* Responsible for the P&L, Sales and Operations for the Service Division

Our company is looking for suitable candidates to join their growing business as Senior Portfolio Manager.

RESPONSIBILITIES:

· Managed investments for single family office

· Research various fund structures and alternative investments

· Prepare market and monthly performance reports for investors

· Conduct quantitative and qualitative analysis on investment opportunities and prepare investment reports for decision-making purposes

· Perform due diligence, lead investments negotiations, and coordinate legal aspects

· Review business performance, recommend changes to the existing investment portfolios

· Identify potential strategic investment

· Lead the investment strategy and associated activities

REQUIREMENT:

· MAS Representative would be highly advantageous

· Master's/Bachelor's Degree in a quantitative discipline (Finance, Economics, Mathematics, or similar), with CFA preferred

· Preferable at least 15 years of relevant working experience in the stock exchange (US & HK market) or public equity investment background

· Strong quantitative and financial modelling background with hands on experience on building tactical asset allocation models

· Strong communication skills (English & Chinese) to liaise with Chinese-speaking director(s)

OTHER INFORMATION:
• Location : Millenia Tower (Near Suntec City)

• Working hours : 9.00am to 6.00pm (5 Days)

• Salary: up to S$18,000 higher/ Negotiable (Salary will commensurate according to experience & qualifications)

HOW TO APPLY:

Interested candidate, please submit your updated resume in MS WORD Format to:

Email – [email protected]

We regret to inform you that only shortlisted candidates will be notified. All applications will be treated with the strictest confidence.

JOB SUMMARY

· This role is expected to provide extensive and thorough 2LOD oversight of the risk governance process, in compliance to local regulations and internal risk management framework/policy/standards.

· The role carries an extended responsibility in overseeing the appropriateness and adherence to Group polices and local regulations in Risk Appetite setting for the bank.

· The role is responsible to ensure that the Bank adhered to Monetary Authority of Singapore (“MAS”) 656 requirements at all times.

· The role acts as a liaison to Group Investor Relation in the Credit Agencies discussion to support and improve the bank credit rating.

· The role is expected to oversee the Country Centration limit monitoring and reporting.

RESPONSIBILITIES

Strategy

Business

· Provide business advisory relating to MAS656 Large Exposure requirement.

· Ensure that risk appetite metrics and management limits are not breached at all time

· Advise on OBL limits

Processes

· Ensure the setting of Risk Appetite meets the requirement of Group requirements and local risk management guidelines.

· Ensure the transaction booked in SCBSL meets approval process of Local Approving Standard.

· Perform the daily MAS656 Large Exposure monitoring

· Perform the daily country centration dashboard monitoring.

· Perform the monthly Risk Appetite reporting

Risk Management

· Monitor and report the adoption of Group Frameworks and Policies.

· Work closely and support Group Risk Appetite team in the setting of Risk Appetite Policy and Standard

· Provide oversight and adequate challenge to the risk appetite proposed by the Local Risk team.

· Provide support to Hub Risk Governance team on risk appetite related matters.

· Work closely with Group Investor Relation team and Local Credit Risk team to provide strategic data points in Credit Rating Agencies discussion.

Governance

· Coordinate with Group Risk Appetite team for the annual refresh of all the existing risk appetite.

· Coordinate with Local Risk teams for monitoring and reporting of the monthly risk appetite, risk appetite escalation and breaches (if any).

· Coordinate with Local Credit teams to provide strategic data to support the Credit Agencies discussion.

· Acts as the conduct risk champion for Local Risk teams.

· Provide Secretariat Support for Hub Executive Risk Committee (“ERC”).

Regulatory & Business Conduct

· Display exemplary conduct and live by the Group’s Values and Code of Conduct.

· Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

· Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

· Assist in MAS CRAFT meeting decks preparation and RFIs

Key Stakeholders

· External regulators

· External credit agencies

· Group Risk Appetite

· Group Country Risk

· Country Credit Risk teams

· Country CFCC

· Country Operational Risk

· Country ICS

· Country Treasury Risk

· Country Traded Risk

· Singapore Hub’s subsidiaries’ Risk Governance teams

Other Responsibilities

· Embed Here for Good and Group’s brand and values in country.

· Perform other responsibilities in accordance to relevant policies and procedures.

· Compliance to Group and country policies and procedures including local regulations

· Involve in projects and any ad-hoc requests or assignments which may be directed by reporting line manager

Our Ideal Candidate

· Bachelor’s degree or above in statistics, economics, finance or any other related academic field.

· 6+ years of experience in Risk management.

· Strong understanding of the regulatory requirement of MAS 656.

· Strong regulatory interpretation skills on technical aspects.

· Good understanding of the Credit Risk and Credit data.

· Comfortable to communicate with senior management and other key stakeholders across different risk teams in the bank.

· Ability to present complex information in a succinct manner to senior management.

· Having excellent Excel, Word and PPT skills.

· This is key contributor role which will require very good planning and coordination to deliver timely and high quality.

Role Specific Technical Competencies

· Strong understanding of MAS 656 requirement

· Good understanding of risk appetite management

· Analytical and familiar with Credit Risk and Credit data

· Advanced excel skill

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:

· Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do

· Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well

· Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

· Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations

· Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum

· Flexible working options based around home and office locations, with flexible working patterns

· Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits

· A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning

· Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

· Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers

JOB SUMMARY

· This role is mainly expected to provide extensive and thorough 2LOD oversight of the model risk governance process, in compliance to local regulations and internal risk management framework/policy/standards, for the credit risk models in use for capital calculation, credit loss provisioning, business and risk management.

· In addition, the role carries an extended responsibility in overseeing the appropriateness of the models developed using AI/ML, in accordance with the MAS’ FEAT (Fairness, Ethics, Accountability and Transparency) principles, as there are growing use cases of such models in the bank.

RESPONSIBILITIES

Business

· Assess the potential impact of upcoming credit risk models-related regulations and advise the business impacts.

Processes

· Ensure the IRB models meet the requirements of Basel regulatory compliance established by the Monetary Authority of Singapore (“MAS”) / other relevant authorities.

· Follow appropriate model use approval process (relevant Group/Local Model Assessment Committees and Group/Local Risk Committees).

Risk Management

· Address and track the closure of internal/external audit points, relating to the design and operation of rating process and procedure, the parameterisation process, the use of ratings systems and estimates of IRBA parameters.

· Support Group in Model Risk Management standards/policies implementation.

· Maintain Country Addenda to Group Standards/Policies, where required.

· Provide oversight on model risk management in Singapore Hub’s subsidiaries (or country teams).

· Work closely with country teams to support A-IRB application for regional hub.

· Identify controls for Risk Control Sample Assessment.

Governance

· Coordinate with Group Model Validation for the annual validation of all existing IRB model.

· Coordinate with Group Model Development Team and Model Monitoring Team for assessing and reporting the performance of the models in-use, and quantifying the model overlays, where required.

· Coordinate with country Finance for timely and accurate model overlay assessment and booking, where required.

· Assess potential impact (e.g., RWA, LGD etc…) of the IRB models arising from system enhancements, products launch, policy rollouts, etc.

· Perform User Acceptance Test for the related system enhancements and/or decommissioning of models/scorecards or the related features.

· Act as a key coordinator in organising training on model risk topics, catered to board of directors and senior management of the regional hub.

· Be involved in the final Basel III-reform implementation.

· Be involved in EBA models reform program.

· Be involved in the quantitative impact surveys with regulators.

· Provide Secretariat Support for Hub Local Model Assessment Committee (“L-MAC”).

· Maintain the changes to the Wholesale and Retail Policies and Procedures for tabling to Hub L-MAC.

· Maintain the IRB Governance Framework and ensure adherence to the Standards set out by the Board Risk Committee.

· Prepare, review and challenge materials for submission to the relevant Risk Committees as required.

· Ensure the relevant model documents are submitted to the MAS on time.

· Ensure that all documents are maintained in the Model Inventory Tool.

Regulatory & Business Conduct

· Display exemplary conduct and live by the Group’s Values and Code of Conduct.

· Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

· Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

· External regulators

· External auditors

· Group Model Validation

· Group Model Development Team

· Group Model Monitoring

· Group Model Risk Policy & Governance

· Group Internal Audit

· Group Credit Policy and Process

· Country Finance

· Country Credit Risk teams

· Country CFCC

· Singapore Hub’s subsidiaries’ Risk Governance teams

Other Responsibilities

· Embed Here for Good and Group’s brand and values in country.

· Perform other responsibilities in accordance to relevant policies and procedures.

· Compliance to Group and country policies and procedures including local regulations

· Involve in projects and any ad-hoc requests or assignments which may be directed by reporting line manager

Our Ideal Candidate

· 7+ years of experience in Risk management.

· Strong understanding of the IRB models / scorecards across Wholesale and Retail Portfolios.

· Strong regulatory interpretation skills on technical aspects.

· Good understanding of the Credit Risk and Credit data.

· Comfortable to communicate with senior management and other key stakeholders across different risk teams in the bank.

· Ability to present complex information in a succinct manner to senior management.

· Should know SAS / SQL / equivalent aside of having excellent Excel, Word and PPT skills.

· Bachelor’s degree or above in statistics, economics, finance or any other related academic field.

· This is key contributor role which will require very good planning and coordination to deliver timely and high quality.

Role Specific Technical Competencies

· Strong understanding of MAS AIRB requirement

· Credit Risk Models

· IFRS 9 ECL Models

· Some knowledge of Stress Testing

· Good understanding of model risk management

· Analytical and familiar with the Credit Risk and Credit data

· Model development and monitoring experience

· Advanced excel skill

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:

· Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do

· Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well

· Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

· Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations

· Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum

· Flexible working options based around home and office locations, with flexible working patterns

· Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits

· A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning

· Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

· Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers

• Coordinate and support the sales team in achieving their sales targets for insurance policies and products.
• Support the sales team in preparing and processing insurance policies, quotes, and applications.
• Respond to inquiries about insurance coverage, policy details, claims, and related issues.
• Prepare and maintain accurate sales reports, records, and customer databases in compliance with relevant regulations and company policies.
• Communicate effectively with team to gather required information, answer inquiries, and provide exceptional customer service.
• Provide administrative support to the sales team by managing paperwork, filing, and documentation.

Requirement:

• GCE ‘N’ level & above.
• At least 2 years of admin experience in Insurance industry.
• Proficient with Microsoft Office

If you are keen to apply for the position, kindly email your detailed resume in MS Word to [email protected]

Please note that only shortlisted candidates will be notified.

For more job opportunities, please visit our website at www.recruit-expert.com

EA Licence: 19C9701

Registration: R1326740

Responsibilities

• Prepare monthly journal entries and knowledge on GL is a must;
• Assist with month end / year end closing;
• GST preparation and submission;
• Support tax filing and audit;
• Other ad-hoc duties assigned by Superior

Requirements

• Diploma in accountancy preferred
• Possesses 3-5 years prior working experience
• Proficient in Microsoft Office applications
• Proficient in Accpac or other accounting software
• Able to work independently and take responsibility for tasks
• Keen disposition to learn and embrace opportunities for advancement

We apologize that only shortlisted candidates will be contacted. Thank you

By sending us your personal data and curriculum vitae (CV), you are deemed to consent to PERSOLKELLY Singapore Pte Ltd and its affiliates collecting, using and disclosing my personal data for the purposes set out in the Privacy Policy which is available at www.persolkelly.com.sg I also acknowledge that I have read, understood, and agree to the said Privacy Policy.

PERSOLKELLY Singapore Pte Ltd • RCB No. 200007268E

EA License No. 01C4394 • EA Registration No. R1653100 (Goh Jia Zhen Crystal)

Contract duration: 6 / 12 / 18 months contract

Work location: East

Working hours: Mon - Fri (9am - 6pm)

Salary: Up to $3800 + Completion Bonus!

Responsibilities

• Attend to enquiries and requests from phone calls/emails in a professional and prompt manner.
• Update complete and accurate information on customer interaction in the Customer Relationship Management (CRM) system.
• Ensure effective and timely follow-up as promised to customers.
• Alert management of issues and concerns that require escalation for complete resolution.
• Prepare effectively and accurately requests including but not limited to policy summary, premium paid, beneficiary information.
• Work closely with stakeholders on the service request requirements.
• Deliver service requests within stipulated service standards.
• Undertake projects or other responsibilities as assigned.

Requirements

• Preferably ’A’ Levels or Diploma holder with relevant working experience.
• Good interpersonal and communication skills.

Interested candidate please click "APPLY" to begin your job search journey and submit your CV directly through the official PERSOLKELLY job application platform - GO Mobile.

https://go.persolkelly.com/job/apply/2493

We regret to inform that only shortlisted candidates will be notified.

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.

PERSOLKELLY Singapore Pte Ltd • RCB No. 200007268E • EA License No. 01C4394 • Reg No: R23117066 (CHEW KIA ZHENG)

The Liquidity Management Product Manager will have the accountability of supervising and directing the development, implementation, and improvement of regional liquidity management products and services.

This position necessitates an in-depth comprehension of liquidity management solutions, market trends, and client requirements.

about the role:

• Formulate and implement a comprehensive strategy for liquidity management solutions in line with the overall transaction banking goals.
• Conduct thorough market research and analysis to identify emerging trends, client needs, and the competitive landscape.
• Collaborate with sales teams to comprehend client requirements, market dynamics, and competitive positioning, providing support in client presentations, responding to RFPs, and addressing product-related inquiries.
• Engage with internal stakeholders, such as sales, operations, technology, and risk management teams, to articulate product requirements and prioritize development initiatives.
• Guide the entire product development lifecycle, from conceptualization to launch, ensuring the timely delivery of high-quality solutions.
• Evaluate the performance of existing liquidity management products, pinpointing areas for enhancement and identifying opportunities for growth.
• Craft compelling product collateral, including presentations, product guides, and sales materials, to effectively convey product features and benefits.

Requirement:

• A graduate from a reputable university with a minimum of 5 years of experience, preferably in the transaction banking or cash management sector.
• Possesses a solid understanding of liquidity management products, encompassing cash pooling, cash concentration, notional pooling, and interest optimization.
• Demonstrates extensive knowledge of regulatory requirements and industry best practices in liquidity management.

(EA: 94C3609/ R21103354)

Job Description

1. Responsible for FX, money market dealing

2. Monitoring and projection of daily and future cash positions

3. Monitoring daily regulatory requirements relating to funding and liquidity including MCB, MLA, LCR, NSFR and other regulatory, HO and Branch Risk limits

4. Other Treasury activities and projects assigned by HOD

Job Requirements

• Pleasant disposition and good interpersonal skill
• Team player, meticulous and able to work under pressure
• Proficient in English and Chinese
• Knowledge of most or all of these products (MM, FX & FX derivatives, CD issuance, bond)
• Practical experience in Bank Asset-liability management
• Fit and Proper
• Passed FMRP

The Company

Our client is a leader within the high-tech manufacturing industry experiencing exponential growth globally. As they continue to expand their operations as well as finance capabilities, they are seeking a SAP Finance Operations Manager.

The Role

Reporting to the Regional Shared Services Lead, you will work independently as a bridge between Finance and IT to ensure smooth functioning of financial systems, tools and implementation of new system changes. You will be responsible for streamlining of new technologies to ensure proper integration with existing financial systems, proper system governance and controls as well as monitoring, maintaining and troubleshooting financial systems. You will drive financial process integration and system implementation post M&A and business unit reorganization as well as newly incorporate entities.

You will be supporting the Finance team with month-end closing processes and procedures, reconciliation of reports every quarter/year. You will also provide necessary training and support to end users of financial systems, and maintaining of user procedures and standards. Last but not least, as a SAP Super user, you will be involved in the design and implementation of SAP S4 Hana and identify and drive efficiency and process improvement initiatives such as automation, streamlining financial processes, etc.

Your Profile

As the successful candidate you will possess a degree in Accountancy or ACCA with the following relevant experience:

• At least 8 years of experience in a similar role working between Finance and IT with strong understanding and knowledge of accounting, financial systems and processes
• Solid experience with SAP FI & CO finance system & process supporting and implementation experience
• Proven experience in a medium or large MNC (with complex SAP FI & CO usage) and working extensively with large no of users (globally) and IT apps team/vendor
• Ability to project manage in terms of SAP FI &CO system and enhancement projects e.g business units restructuring, system integration
• Well-versed in the SAP master data (FI & CO) and COPA
• Ideally familiar with Blackline and Power BI.
• Proven success in project management involving system implementation, integration, etc
• Ability to be hands-on and work across different functions and departments
• Strong communication and interpersonal skills

Apply Today

Please send your resume, in WORD format only and quote reference number STE12917928, by clicking the apply button. Please note that only short-listed candidates will be contacted.

Robert Half International Pte Ltd. Co. Registration no.: 200612189E | | EA Licence no.: 07C5595 | Serene Tan Ing Shiern EA Registration no.: R1109248

Location: Near Lavender MRT, shifting to Jurong East in May.

2 Years Contract Extendable/Convertible to Perm

Job Description:

Review of system interfaces

• Monitor, troubleshoot and resolve system interfaces i.e. between collection system(s), accounting system(s), banks and any other related systems such as systems managing donations, volunteers, user access and procurement.

Review of user access of accounting systems and bank portals

• Monthly, quarterly and yearly review of user access of various systems and different bank portals.
• Prepare reports for management’s review and approval.

Maintenance of helpdesk Email

• Average 25 emails per day

Fixed Assets Management

• Process capitalisation of assets, disposal, transfers.
• Fixed Assets Reporting
• Asset count

Requirements:

• Bachelor Degree in Finance/Business
• Min 2 years’ experience in IT systems/Finance Officer/Accountant.
• Good understanding of FRS and SB FRS.
• Meticulous with good analytical and problem-solving skills.
• Good written and verbal communication skills.
• Good customer service skills.
• Hands on experience of Workday accounting system will be an added advantage.

Should you be interested in this position, please contact Terence at +65 9645 4048 your resume directly for fast respond.

Interested candidate please click "APPLY" to begin your job search journey and submit your CV directly through the official PERSOLKELLY job application platform - GO Mobile.

We regret to inform that only shortlisted candidates will be notified.

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.

PERSOLKELLY Singapore Pte Ltd • RCB No. 200007268E • EA License No. 01C4394• Reg. R23116141 Le Cong Thang

• Assisting the operations manager with operational matters as assigned, ensuring smooth execution and timely completion.
• Oversee the export and claim processing documents trade matters, ensuring accuracy, compliance, and efficiency.

Requirements:

• Diploma and above.
• At least 2 years of Claim Processing experience in ISO Tank.

If you are keen to apply for the position, kindly email your detailed resume in MS Word to [email protected]

Please note that only shortlisted candidates will be notified.

For more job opportunities, please visit our website at www.recruit-expert.com

EA Licence: 19C9701

Registration: R24120303

d²x Expertise is an IT Consulting company that specializes in Project Management, and proposes Methodology and Transformation guidance to medium and large companies from all sectors.

Our consultants are experienced functional or technical Project Managers, Product Owners, Business Analysts, PMO leads… who drive delivery and quality of complex IT solutions building and maintenance.

We are based in Europe and Asia and quickly expanding our trademark in various regions.

Responsibilities

Our client is the expert IT partner for Private Banks and Wealth Managers, and their continuously evolving hosted solutions use shared core banking platforms, powered by a leading digital ecosystem, and by Developers Teams and Business Teams mainly based in Switzerland, India and Singapore. Their values have led them to two decades of global expansion.

Given all the ongoing projects, and increasing requests from current customers and market changing regulations, we are looking for a Senior Banking IT Project Manager to:

· Consolidate the coordination, tracking and communication of several key project requirements, priorities, roadmaps, milestones, and status to key stakeholders

· Work with Product Owners and Business Analysts and small/large engineering or technical teams to implement required business solutions (Remote and local Teams).

· Build internal customer & stakeholders’ relationships to manage expectations and agree on clear objectives and timelines

· Identify risks and act on them to ensure the team and project are not derailed

· Manage competing priorities and simultaneous projects in a fast-paced environment

· Switch from program level to task level issues in driving projects to completion

· Work with peers of all levels, from front line analysts to high level executives

· Be skilled in project and priority triage work effectively within broad parameters, and operate with considerable autonomy

· Conduct ongoing communication of team programs and reduce surprises by proactively managing risks

· Seek opportunities to create efficiencies for people and processes through automation

Requirements

· 5+ years of demonstrated IT project management

· Be skilled in project and priority triage work effectively within broad parameters, and operate with considerable autonomy

· General Project Management skills: Leadership, Communication, Planning, Scheduling, Time management, Task management, Risk mitigation, Decision-making, Quality management, Critical thinking

· A solid team player with an independent thinker’s mentality: Organized, thorough, deadline-driven, and able to multitask, analytical, know how to prioritize tasks, but somewhat flexible when needed

· Not mandatory but welcomed: general knowledge on Core Banking solutions in different Private Banking / Wealth Management business areas including Risk, Credit, Permanent Control, Finance, Compliance, Financial Security, Suitability and Reporting covering banking products such as securities, stock exchange, trading, cash operations, forex, treasury management, derivatives, funds etc.

Role Responsibilities

This role is at the heart of the purpose of the organisation and is a unique opportunity to manage and lead the Conduct, Financial Crime Compliance (CFCC) Advisory global team for Trade which is part of our Transaction Banking (TB) business in our Corporate, Commercial and Institutional Banking (CCIB). It is a critical role in the Function helping the business effectively manage risk as they provide products and services that power the real economy.

Key Responsibilities:

The role holder will be one of the senior risk management leaders of the CFCC Advisory TB team and will be responsible for the oversight of sub-risk types across Compliance, Financial Crime Compliance (AML, Sanctions, Anti-Bribery and Corruption and Fraud) and Conduct Risk.

· Support and implement the vision, strategy, direction and leadership for Trade CFCC, in support of the Bank’s strategic direction and growth aspirations.

· To drive high standards of regulatory compliance and deliver key priorities and initiatives.

· Proactively support and effectively challenge the delivery of the TB business strategy within the bank’s risk appetite and in compliance with the relevant risk type frameworks.

· Support and challenge the Business in management of non-financial risks, adhering to non-financial risk frameworks and embedding good risk culture and knowledge across the Trade business.

· Ensure proactive and timely identification, assessment, advice and dissemination of evolving regulatory changes/practices and associated risks, and proactive engagement in regulatory reform for Trade.

· Providing governance and oversight over the implementation of CFCC related policies and procedures relevant to Trade.

· Develop and maintain effective policies/processes/DOIs to address CFCC risks across Trade, aligning with relevant regulatory requirements.

· Develop/support Trade AML, Sanctions and Fraud risk training programmes to meet the training needs of Trade.

· Ensure effective management of all CFCC matters and, in collaboration with the rest of the team, effectively manage the oversight and challenge of regulatory issues that have impact on the Bank.

· Collaborate with the other compliance colleagues to anticipate horizon risks that may have a significant impact on Trade and develop effective strategies to mitigate such horizon risks including global standards for conduct of business.

· In the event of serious regulatory breaches, or where risk tolerances have been breached, support the escalation to senior management in the Bank and relevant regulators.

· Support delivery of Risk Assessments, including the Compliance Risk Assessment, Product Risk Assessment and Global AML, ABC and Sanctions Risk Assessments.

People & Talent

· Effectively influence globally beyond immediate area of control.

· Develop talent in the immediate team and grow knowledge in Trade risk management across the Function.

· Effective supervision and take personal responsibility for embedding the highest standards

· Demonstrate the appropriate culture and values consistent and set appropriate tone and expectations in collaboration with risk and control partners.

Key Stakeholders

· Role holder will work with a diverse group of stakeholders across Functions, Businesses and multiple markets. They will also represent the organisation in industry wide regulatory bodies shaping regulatory frameworks and bringing insights on industry developments.

· Build and maintain an effective and constructive relationship with key business and functional stakeholders that is based on trust, capability and integrity, providing timely, responsive and quality regulatory compliance advice and guidance to enable the business and functions to meet/ achieve their strategic tactical objectives.

Our Ideal Candidate

· 15+ years of experience in a regulated financial institution

· Extensive working knowledge and expertise in Trade products, processes and / or operations.

· Professional certification associated with Audit, Risk, Financial Crime, Compliance or Fraud will be preferred but not essential.

· An active participant in industrywide bodies focused on Trade

· Sound judgement on business practices, regulatory relationship management and reputational risk.

· Proven ability to establish relationships with and exert influence on senior management and with regulators and other external stakeholders

· Strong leadership qualities, excellent interpersonal skills and multi-cultural awareness and sensitivity.

· Ability to collaborate and work dynamically across country, region, business and group stakeholders.

· Be able to operate independently, and demonstrate robustness in ethics and resilience

· Strong problem solving, decision making and agile mindset.

Role Specific Technical Competencies

· Knowledge of Trade and Trade Finance Products

· Fraud, AML and Sanctions Risk Management

· Compliance and Conduct Risk Management

· Operational Governance and Controls

· Data analysis on risk typologies and use of emerging technologies

· Cross Functional Collaboration

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:

· Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do

· Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well

· Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

· Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations

· Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum

· Flexible working options based around home and office locations, with flexible working patterns

· Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits

· A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning

· Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website www.sc.com/careers

About the Company

Founded in 1997, Trina Solar is the world-leading PV and smart energy total solution provider. On 10 June 2020, Trina Solar issues first A-Shares on Shanghai Sci-Tech Innovation Board, becomes the first PV product, PV system and smart energy company listed on the Shanghai Stock Exchange Science and Technology Innovation Board. Today, Trina Solar is actively accelerating its pace of globalization and the development of its global management team.

Job Responsibilities:

1. Oversee and be accountable for commercial and financial matters within the APAC region.
2. Understand legal and commercial laws and regulations in all APAC countries.
3. Coordinate with related departments in HQ to streamline and effectively implement related finance management procedures.
4. Participate in sales order value management, monitoring targets, and conducting dynamic analysis throughout the entire process.
5. Drive the closing of regional profit target gaps.
6. Assume full responsibility for risk control and management in the APAC region.
7. Conduct tax reviews in APAC countries, ensuring familiarity with local finance and tax management policies.
8. Plan tax and expense budgets to comply with local government rules and requirements for achieving profit goals.
9. Efficiently and accurately support business development in cases of limited talent availability.
10. Provide support for transformation projects and contribute to their successful implementation.
11. Liaise with the Singapore Economic Development Board to ensure compliance with tax incentive
12. Provide ongoing support with the establishment of Trina’s International Headquarters in Singapore

Skills Requirement:

• Minimum Master’s degree level or equivalent qualification in related disciplines
• Over 10 years of professional financial experience in relevant industry
• Knowledge of financial and legislative requirements in major markets across Asia Pacific.
• Ability to communicate complex financial matters in plain English.
• Have cross-cultural work experience.
• Qualified accountant
• Able to travel within the region as needed for staff development, audits, stocktakes, etc.
• Direct exposure on the governance and compliance with company polices
• Direct exposure on the divisional cost performance reporting and analysis
• Able to work effectively as part of a virtual team across a diverse range of geographies and functions in APAC
• Self-motivated, independent thinking, and proven track record of senior stakeholder management

* Basic Up to S$18,000
* Work Life Balance & Friendly Environment
* Incentive Scheme & Career development

* Candidate with Minimum 15 Year experience in Investment Finance Industry
* Responsible for the P&L, Sales and Operations for the Service Division

Our company is looking for suitable candidates to join their growing business as Senior Investment Fund Manager.

RESPONSIBILITIES:

· Managed investments for single family office

· Research various fund structures and alternative investments

· Prepare market and monthly performance reports for investors

· Conduct quantitative and qualitative analysis on investment opportunities and prepare investment reports for decision-making purposes

· Perform due diligence, lead investments negotiations, and coordinate legal aspects

· Review business performance, recommend changes to the existing investment portfolios

· Identify potential strategic investment

· Lead the investment strategy and associated activities

REQUIREMENT:

· MAS Representative would be highly advantageous

· Master's/Bachelor's Degree in a quantitative discipline (Finance, Economics, Mathematics, or similar), with CFA preferred

· Preferable at least 15 years of relevant working experience in the stock exchange (US & HK market) or public equity investment background

· Strong quantitative and financial modelling background with hands on experience on building tactical asset allocation models

· Strong communication skills (English & Chinese) to liaise with Chinese-speaking director(s)

OTHER INFORMATION:
• Location : Milenia Tower (Near Suntec City)

• Working hours : 9.00am to 6.00pm (5 Days)

• Salary: up to S$18,000 higher/ Negotiable (Salary will commensurate according to experience & qualifications)

HOW TO APPLY:

Interested candidate, please submit your updated resume in MS WORD Format to:

Email – [email protected]

We regret to inform you that only shortlisted candidates will be notified. All applications will be treated with the strictest confidence.