Total 6,030 Finance / Banking / Insurance job vacancies in raffles city

Job Roles and Responsibilities:

The Cybersecurity Engineer will be responsible for conducting regular audits on our client’s IT systems, ensuring compliance with all relevant regulations and standards. The ideal candidate will have a strong understanding of IT systems, network security, and audit procedures. Job responsibilities include:

Vulnerability Assessment and Penetration Testing

• Perform Vulnerability Assessment and Penetration Testing (VAPT) to across multiple clients and industries to identify potential security vulnerabilities, in support of our client's security requirements to test and validate the effectiveness of their IT security posture.
• Supporting remote and onsite operations by employing simulated adversarial threat-based approaches to expose and exploit vulnerabilities to identify weaknesses and to improve the security posture and operational procedures
• Using various testing, social engineering, and penetration testing approaches for vulnerability identification, enumeration, and purposeful exploitation to determine the value and effectiveness of a network, system, or application's security configuration

IT Audit

• Evaluate the effectiveness of clients’ information-processing controls across industries, business process cycles and network platforms.
• Conduct regular IT audits to ensure compliance with all relevant standards and regulations.
• Identify and assess IT risks and controls, and suggest mitigation strategies.
• Assist in the development of IT audit scope and IT audit procedures.
• Evaluate the effectiveness of IT general controls and recommend improvements.
• Prepare and present reports that reflect audit results and document the proposed process.
• Engage in continuous knowledge development regarding sector’s rules, regulations, best practices, tools, techniques, and performance standards.
• Collaborate with IT staff and management to improve security and efficiency.
• Assist in conducting internal audits and providing necessary certifications.
• Perform other ad-hoc duties as assigned.

Job Requirement:

• Bachelor’s degree in IT, Computer Science, or a related field.
• Professional certifications in OSCP (Offensive Security Certified Professional), CEH (Certified Ethical Hacker), OSCE (Offensive Security Certified Expert), CREST or equivalent
• Other professional certifications such as CISA, CISSP, or CISM are preferred.
• Proven experience as an IT auditor or similar role in a cybersecurity environment.
• Strong knowledge and understanding of IT systems, network security, and VAPT, including IT standards and frameworks (e.g., COBIT, NIST, ISO 27001), IT audit methodologies, techniques, and tools.
• Excellent communication skills in both oral and written English.
• Able to appreciate business process issues and understand business transaction scenarios, and how an application system can support them.
• Resourceful and able to work out technical solutions.
• Logical thinking, good attitude, fast learner, and good team player.
• Able to handle multiple tasks and assignments.
• Able to work under pressure and meet deadlines.

Executive Summary

Smart IMS Inc provides Digital technology & Cloud transformation services, Application & Infrastructure Management Services, Unified Communications, and Insurance implementation services to customers across the Americas, Europe, Middle East, and Asia-Pacific regions. As the trusted technology and business partner of leading MNCs, including Global Investment Banks, Smart IMS is also a Microsoft Gold Certified Partner, Oracle Platinum Partner and AWS MSP Partner.

We are looking to hire a Network Security Operations Engineer in Singapore to support our client, a top global investment bank, to handle day-to-day operations managing the global Networking and Security Infrastructure.

Responsibilities:

- Responsible for day-to-day operations of Global Network and Security Infrastructure

- Troubleshooting, configuration and maintenance of Network and security devices.

- Configuring and troubleshooting F5 Load balancers and Proxy Devices

- Troubleshooting Checkpoint and juniper firewall

- Cisco routing and switching, LAN/WAN Infrastructure support.

- Handling DNS, DHCP infrastructure and managing wireless environment.

- Good understanding of networking protocols such as BGP, EIGRP, OSPF, MPLS

- Good experience using multiple firewalls platform such as Cisco ASA, Checkpoint, Palo Alto and FortiGate

Requirements:

- Background in Information Technology / Networking / Information Security

- Minimum 3 years of relevant Network Security experience working in NOC environment

- Experience in one or more of the following areas:

• Load Balancers: F5 / Avi
• Proxy Devices: McAfee proxy
• AAA framework / Network Access Control (NAC) solutions: Cisco ISE, Aruba ClearPass
• DHCP and DNS: Blue Cat / Vital QIP

- Analytical thinker with strong attention to detail

- Motivated and proactive in learning

- Drive Major incidents calls independently and keep the communication channel updated.

- Good understanding of ITIL methodology, in-depth knowledge in incident, change and Problem management process.

- Good communication skills and should be a great team player.

* Basic Up to S$18,000
* Work Life Balance & Friendly Environment
* Incentive Scheme & Career development
* Candidate with Minimum 10 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 Forex Trader Manager.

RESPONSIBILITIES:

· Market making for the Asian markets FX trading franchise.

· Monitor and analyse market conditions, news, and economic data to make informed trading decisions.

· Manage risk and ensure compliance with trading regulations and company policies.

· Collaborate with the research team to stay updated on market trends and opportunities.

· Build and maintain strong relationships with clients and counter-parties.

· Contribute to eFX initiatives.

·

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 Forex exchange (Asian market) or public equity investment background

· Proven experience as an FX Trader with a successful track record in the Asian markets.

· In-depth knowledge of Asian financial markets, including currency movements, economic indicators, and geopolitical events.

· Strong analytic and quantitative skills.

· Excellent risk management and decision-making abilities.

· Effective communication and interpersonal skills.

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.

* 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.

Our Culture and Values

At Amplify Health, we believe in fostering a culture that embodies the spirit of Courageous Entrepreneurs. We are passionate and innovative individuals who continuously strive to push boundaries and think outside the box. We understand that calculated risks are essential for driving progress, and we view failures as valuable opportunities to learn and grow.

As Outstanding People, collaboration, learning, and growth are at the core of our values. We trust and rely on each other, working together as a unified team to achieve our goals. When success comes our way, we celebrate it as a collective achievement, and we are committed to improving and excelling together.

We firmly believe in the mantra of Discuss, Decide, Do. Listening is fundamental in our decision-making process, and we act promptly, ensuring accountability in everything we do. Simplicity is the key to our efficiency, and we get things done quickly and effectively while being guided by facts and understanding.

At the heart of our pursuits lies a Lasting Impact. We prioritize the needs of our customers, and we are crystal clear about the problems we are solving for them. Progress is our north star, and while we strive for excellence, we acknowledge that perfection is a journey, and we remain focused on delivering excellent products that make a tangible difference.

If you are a passionate and innovative individual who thrives in a collaborative environment, where courage is celebrated, and customer focus is paramount, we invite you to join our team. Together, we will shape the future with our unwavering commitment to excellence and the determination to make a lasting impact in the industry.

What you will do

You will work in a coaching and consulting capacity as a subject matter expert (SMEs) linked through one or more of the Amplify product offerings that relate to better managing claims risk or healthcare funds. You will prep training material for client teams working in claims, provider management and plan design, amongst others. You will problem solve, guide, design, and stress test potential solutions and initiatives, some of which may link to Amplify products, whilst others may be bespoke.

As a Lead Risk Management Consultant you are required to actively support the in-country client engagement team in understanding the client’s ambitions, needs and gaps as they relate to your area of expertise, as well as work more broadly across the region in raising awareness around Amplify’s expert team capabilities.

How you would make a difference

Your primary responsibilities include:

· Serve as the strategic partner and trusted advisor to clients (private insurers or government healthcare funders) in the management of their business towards seeking higher value healthcare funding

· Engage through structured discussions with clients to identify their strategic needs and priorities and develop potential solutions to inflationary healthcare costs

· Request and oversee qualitative and quantitative analyses to be undertaken in the identification and understanding of client challenges and the development of client specific solutions

· Provide strategic consultative advice to client teams around the design, delivery and ongoing management of claims risk management programs or initiatives

· Contribute to the development of innovative client solutions including new insurance plan design, provider management, operational claims process improvement, and patient care pathways.

· Create value for our clients with forward-thinking and practical solutions that help them address the operational, technical, and financial implications of changes in their business environment.

· Partner closely with in-country Amplify client leads (where relevant) to bring your expertise in driving healthcare funding towards better value

· Stay ahead of relevant market trends, latest case studies, and global developments which can serve client discussions and ideas

· Work with the central head of professional services to develop and enrich training material for upskilling client workshops based on identified client capability needs

· Deliver client training with senior support across various Asia markets

What you need to be successful

Qualification, Skills and Experience:

· Bachelor or master’s degree (e.g., healthcare, wellness, business, economics)

· 10+ years of working experience in healthcare domain with 5+ years of health insurance or public health funder strategic risk management experience in topics such as funding models, value-based care, claims cost containment, and provider performance-based contracting.

· Clinical background ideal but open to other backgrounds so long as have proficiency in clinical terminology and clinical work, deep understanding of population health concepts, medical procedures, patient journeys, etc.

· High confidence and proficiency in health data analytics concepts such as risk adjustment, case mix indices, digital twins for comparison of outcomes, etc.

· Real world experience of designing and implementing initiatives that relate to managing healthcare provider value, claims spend efficiency and patient journeys on behalf of private or public payors including provider contracting, alternative reimbursement models, network creation, and setting of care shifts. Ability to speak to case examples of these is key.

· Credibility and experience as an expert in value driven funding a must, given need to work with multiple market teams in front of exec level clients.

· Ability to coach, train, and support in-country teams to serve clients looking to upskill their teams and to operationalize data driven insights.

The Business Analyst role plays an important part in Pacific Prime CXA’s software development process. Our ideal candidate will be responsible for providing functional expertise in identifying, evaluating, and developing systems and procedures that are cost effective and meet user requirements. To be successful as a business analyst you should be detail-oriented, analytical and good at communicating and documenting business systems and processes to both technical and non-technical users.

Responsibilities

• Understand and evaluate business functions, user requirements, specifications, and technical design documents
• Perform detailed requirements analysis
• Perform and manage user acceptance testing, including creation of test scenarios
• Assist business in improving the quality of their systems and processes
• Participate in the implementation and provide post-implementation support
• Liaise with internal teams on all Product matters
• Collaborate with the development and/or business teams to document software and systems functionalities and processes, when needed
• Provide training and training materials, when needed
• Stay up to date on the latest processes and IT advancements to automate and modernize systems
• Conducting meetings and presentations to share ideas and findings
• Provide coaching and guidance to QA team on system matters, especially on enhancements

Requirements

• Degree in business and/or computer science or equivalent training
• Minimum 2 years of proven work experience in business analysis
• With more than 2 years of requirement gathering and documenting
• Experience in application rollout
• Preferably with knowledge of JIRA, SQL, MS Products (such as MS Word, Excel, Outlook), diagramming tools (such as Visio, Lucid Chart)
• Good understanding and command of SQL queries in MSSQL 2005-2016 (Optional)
• Excellent analytical and conceptual thinking skills
• Can influence stakeholders and work closely with them to determine acceptable solutions.
• Excellent communication skills, both verbal and written.
• Meticulous and attention to detail
• Strong problem solving, analytical thinking, and troubleshooting skills
• Experience with Insurance, Broking, Benefits Administration and/or Operations background will be beneficial
• Self-motivated and able to work in independently in a fast-paced environment.
• Quick learner who can absorb technical concepts and training.
• Open to receiving constructive feedback and turning it into process improvements.
• Positive attitude, responsible, dependable and good team player.

Job Responsibilities

Primary

• To work jointly with Marketing Managers with respect to deal structuring, preparation of credit proposals, monitoring as well as documentation for GTFD clients.
• To be responsible for the credit process of assigned GTFD accounts, from the preparation of credit application/review to credit monitoring/account management.
• This includes monitoring customer’s trade business activities and industry/country evaluation

Secondary

• To co-work closely and communicate effectively with the respective related departments to achieve higher efficiency
• To ensure that respective credit files are in compliant with the approved parameters, internal rules and regulations.

Job Requirements

• Bachelor’s Degree in Banking, Finance, Accountancy, or related discipline.
• At least 3-5 years of relevant work experience in credit analysis in the banking and finance industry
• Team player
• Meticulous and possess good analytical and problem-solving skills.
• Good communication skills and able to interact with colleagues of all levels.
• Works independently as well as within the team with the ability to multi-task, prioritise and work under pressure.

About the role

CGS International Securities Pte. Ltd. (CGS International) is an award-winning and market leading integrated financial services provider, ranked among the top securities houses in Asia.

CGS International taps on our wealth of global and ASEAN insights to offer equities trading, leveraged products, wealth management, investment banking, equities research, Shariah-compliant financing, fixed income, currency and commodities, structured products and prime brokerage services in over 15 countries and regions.

Along with its parent organisation China Galaxy Securities, a leading securities house in China, CGS International is trusted by more than 15 million customers globally.

Job Responsibilities

The incumbent will be responsible for:

1) Assisting the department in attending to internal administrative processes which include onboarding (know-your-client) procedures, preparation of internal approval papers and documentation, as well as collating and preparing material for management reporting.

2) Assisting team members in the execution of investment banking transactions such as initial public offerings, equity capital market transactions, mergers and acquisitions and other corporate advisory engagements for listed and unlisted clients.

3) Carrying out and being involved in, among others, client onboarding, pitching and marketing (which include presentation material preparation), due diligence, industry research, financial modelling, transaction co-ordination with sales channels, business units and external parties, assisting team members in responses to regulators’ queries , and creating and maintaining databases for the department.

Job Requirements

To thrive and be successful in this role, you must have / be:

· Graduate from a university of business school with background in Finance.

· Excellence in both academic and extra-academic activities.

· Strong analytical and communication skills.

· Proficient in MS Office (Word, Excel, PowerPoint).

· Possess excellent verbal and written communication skills. Fluency in Mandarin would be an advantage, as the incumbent would be working with mainland Chinese clients and partners.

The HIGHEST paying scheme for Insurance Agents / Financial Consultants!

• Have you ever wanted to be an insurance agent to help impact lives positively & make good money whilst doing it?

• Earn up to $5000 basic pay + Highest Commissions of 50% of what you closed + incentives + Bonus in % of sales!!

• How do the 50% commissions work? For example, if you close a monthly $500 case, $500 x 12 = $6000. You get 50% which is $3000!!

• That's 1 ONE case per MONTH.

• That’s ALOT of money in this new scheme for Insurance Agents / Financial Consultants, ONLY available in our agency.

Salary: $5,000.00 - $9,000.00 per month

• Industry : Financial Institute
• Location : Central
• Salary Range : Up to S$6,000 Per month

Responsibilities:

• Responsible for full set of accounts including management of financial records, general ledger maintenance, AP and AR.
• Prepare and analyse accurate monthly financial reports, including balance sheets, income statements, and cash flow statements.
• Conduct credit assessments and evaluations for new and existing clients, ensuring compliance with credit policies and risk management guidelines.
• Actively monitor and manage overdue accounts, implementing effective credit control strategies to minimize risk and maintain client relationships.
• Be involved in Debt Recovery for overdue client accounts and liaising with internal departments to resolve outstanding invoices and payment discrepancies.
• Ensure compliance with local financial regulations and tax requirements, preparing and submitting necessary documentation.
• Responsible for the budget planning, and supports the executive management team by offering insights and financial advice
• General management of the team in terms of monitoring and access eligibility of disbursement and internal claims.

Requirements:

• Degree Holder, those with CPA certification would be advantageous.
• More than 8 years of independent accounting management experience in entity enterprises.
• Have budget planning and final account management experience
• Strong understanding of financial regulations, tax requirements, and credit policies.
• Team management skills is essential in this role.
• Proficient in and drafting of financial management systems, and implementing financial management systems
• Proficiency in Cash Flow Management
• Have experience in bank account opening and account management
• Experience in collections / accounts receivable for overdue payments
• Proficiency in accounting software and Microsoft Office Suite.

Job ID: L9VXX5Y6

Please submit your updated resume in Word format by using the Apply Now Button.
We regret that only shortlisted candidates will be notified

Email resume to [email protected]

People Profilers Pte Ltd, 20 Cecil Street, #08-09, PLUS Building, Singapore 049705.
Tel: 6950 9740

http://www.peopleprofilers.com

EA License Number: 02C4944
Registration Number: R1330005
Posting Personnel: Reeve Lim Kok Kiong

JOB PURPOSE

Individual contributor assisting the Team Leader in underwriting to grow the market share for the Company products through the appropriate distribution channels in Singapore and across the region.
Responsible for underwriting of new and renewal Marine Cargo business of simpler technical complexity under GA’s underwriting standards and delegated authority levels.
Deliver a high-level service standard to our intermediaries and customers with focus of building relationships and promoting the company.

JOB RESPONSIBILITIES

Responsibilities include, but are not limited to, the following:

• Adhere to both business and underwriting plans and strategies to support the business growth through the various distribution channels.
• Working with the Head and own Team Leader to drive the profitable growth of Marine portfolio for the company and achieving market leadership.
• Working with the Head and own Team Leader to establish best practices and processes to ensure that the team meet the company’s service standards set.

Business Development

• Assist the Head and own Team Leader in successful business penetration launch.
• Assist the Head and own Team Leader in growing new and existing business through strengthened account relationships by way of a multi-tier approach.
• Assist the Head and own Team Leader in driving efforts in key business and line reviews including product selection, pricing, new product introductions, competitive (healthy) conversions via Key Decision Influencer, etc.
• Assist the Head and own Team Leader in performing territory and distribution channel analyses and planning in order to prioritize allocation of efforts to maximize profitable growth.

Underwriting

• Review and prepare underwriting / renewal information
• Prepare Marine Raters for discussion with Team Leader / Head.
• Underwrite simpler risk and maintain a profitable book of Marine Cargo business.
• Prepare quotation slips after finalization with Team Leader / Head
• Attend to queries or mid-term changes from existing accounts
• Liaise with intermediaries and follow up on new quotations and renewals
• Ensure timely and proper passing down of instructions to Policy Administration with the required information / documentation.
• Ensure that sanction checks are conducted.
• Handle the checking of policies and broking slips
• Update and maintain the records, schedules, statistics, etc.
• Assist the Head, own Team Leader to compile, analyze and prepare monthly reports required for monthly meetings and business reviews.
• Ensure that an acceptable pricing and terms is dertermine within own underwriting authority and underwriting guidelines, on new business and renewals.

QUALIFICATION

• ACII, ANZIIF, or Degree/Diploma in Insurance
• Basic Degree/Diploma in Business or Engineering with CGI

EXPERIENCE

• Minimum 4 - 6 years experience in Marine insurance underwriting with direct intermediary engagement / technical underwriting.
• Knowledge of Marine insurance operations, underwriting procedures, and understanding of policy wordings.
• Understanding of risk assessment, laws, and legislation in relation to the Marine insurance industry.

The Role Responsibilities

Strategy

Treasury Markets (TM) balances the supply & demand of Liquidity & Capital to create sustainable value. Treasury Markets is the first line of defence responsible for managing the short-term liquidity position of the Bank.

Treasury Markets’ mandates are:

· Optimise Group ROTE through RORWA

· Manage liquidity

· Manage interest rate risk

· Provide solutions to partners

Treasury Markets Global Liquidity Management (TMLM) initiates and supports formulation and delivery of the group’s liquidity management mandate.

Business

· Manage the Bank’s liquidity agenda, balancing long-term liquidity planning with day-to-day management

· Manage the Group’s adherence to liquidity demands as set by the Prudential Regulatory Authority (PRA), and any internal requirements (in line with Board Risk Appetite)

· Generate liquidity through approved products

· Drive liquidity management best practice across Group/Solo and the regions

· Provide inputs in optimising HQLA holding

· Drive ROTE by utilising any surplus metrics capacity

· Work with TM desks globally to optimise liquidity surplus and identify cross-border P+L opportunities

· Work closely with other Treasury areas to ensure that the short-term and long-term liquidity and liability strategies are well understood across the entire Treasury team. This includes (but is not limited to) supporting, challenging, consulting, and from time-to-time contributing to the Individual Liquidity Adequacy Assessment Plan (ILAAP), the Liquidity Supervisory Review and Evaluation Process (L-SREP), or any other internal or external disclosure where Treasury Markets input is required

· Challenge the status quo and keep abreast of liquidity developments and liquidity risk management practices across the markets

· Manage global liquidity in the event of a market or idiosyncratic stress, co-ordinating across businesses and countries, while ensuring communication with senior management is clear and timely

· Partner with Treasury Modelling and Platforms as a thought-leader for system/MI development in order to aid the development of standardised, streamlined and automated operating workflows

· Communicate to senior management and (where necessary) to regulators regarding the bank’s liquidity position, conveying complex information clearly and simply

· Drive global flow of liquidity across intragroup funding needs as well as help cross-border asset transfers in order to ensure optimal alignment to the GALCO agenda

· Maintain the Group’s inventory of central bank facilities, and assist/track access to facilities in stress

· Act as a key point of contact for Group stress testing matters relating to TM, including contributing to annual exercises such as ICAAP, BoE, the Group Recovery Plan and Resolution fire drills as the analyst for TM management actions, and opine on scenario assumptions on the TM balance sheet

· Manage the Group’s collateral position, and work with FM and the CMU to ensure that collateral is deployed optimally to maximise returns and metric efficiency

· Work with Business partners to provide Treasury expertise in new and existing securitisation initiatives

· Educate stakeholders across Treasury and the Businesses on both the changing liquidity regulatory landscape and on the general liquidity conditions of the bank, working across boundaries to ensure that information and ideas flow freely, and collaborating with key stakeholders on liquidity initiatives wherever possible

· Bring clarity to complex information, either by directly creating Management Information (MI), or influencing the development of such MI by championing and cultivating practical creativity across Treasury.

Processes

· Development of liquidity monitoring & planning, as well as modelling capability (including forecasting) of Group/Solo. Support such activities in other Regions as needed

· Maintain the forecasting process of future liquidity needs and modelling of balance sheet trajectory in accordance with planned growth, campaigns and market conditions

· Understand the true liquidity value when accounting for both spot & contingent funding costs (using internal & external stress testing output)

· Support development of new tools and reports to meet specific needs of Treasury Markets

· Provide immediate assistance in the event of a liquidity crisis and/or fire-drill scenario by collaborating and co-ordinating actions across first and second lines, leveraging the crisis reporting tools to enable effective decision making

· Coordinate with FM, TB and TM to deliver the Client Liability Management agenda

People & Talent

· Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from the team and work in collaboration with risk and control partners

· Champion and role model the valued behaviours and help others to learn from mistakes

Risk Management

· Ensure a full understanding of the risk and control environment in which the business operates and ensure business developments are rolled out across all centres on a best-for-Bank basis

· Manage the Group’s balance sheet and liquidity to within agreed limits. Ensure that a robust liquidity position is maintained and that any surplus liquidity is deployed prudently in line with the Bank’s objectives

· Adhere to Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Technology and Operations, Finance and Reputation

· Proactively advise and monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk and other stakeholders

Governance

· Take personal responsibility for understanding the risk and compliance requirements of the role. Understand and comply with, in letter and spirit, all applicable laws and regulations, including those governing anti-money laundering, terrorist financing and sanctions; the Group’s policies and procedures; and the Group Code of Conduct. Effectively and collaboratively identify, escalate, mitigate and resolve risk and compliance matters

· Embed the Group’s values and code of conduct to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture

· Enforce a culture of risk management, control and governance, and support Treasury Markets teams to comply with the risk management processes in place

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

· Treasury Markets

· Country Finance

· Treasury Finance

· Treasury Product Control

· Risk

· Other Treasury functions

· Compliance

· Business Stakeholders

· CEOs, CFOs, COOs, ITOs

Other Responsibilities

· Embed Here for good and Group’s brand and values in Singapore Treasury Liquidity Management.

· Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Our Ideal Candidate

· Academic or Professional Education/Qualifications; degree holder preferred

· 5+ years of detailed knowledge and experience in financial modelling

· Has fluency of liquidity management regulations

· Strong project management capabilities, and experience in leading global projects along with multiple group functions (i.e. Risk, Finance, Ops, Technology)

· A broad understanding of banking products, their control environment and accounting treatments, and familiar with the banking practices and regulatory environment for countries in which SCB operates

· Good knowledge of and experience in management of bank balance sheet drivers, activity drivers and interaction between business units

· Worked within a heavily regulated environment (awareness of PRA Prudential Source Book or equivalent)

· Proven ability to work in a multicultural / international environment

· Strong communication, interpersonal and presentational skills

· Resilient and enthusiastic; a change driver who challenges the status quo in a creative manner

· Ability to work well under pressure

Role Specific Technical Competencies

· Risk Management – Market, Liquidity

· Financial Balance Sheet Management

· Financial Yield Curves

· FM Products – Money Markets

· Asset & Liability Management

· Product Knowledge – Securities Lending & Repo Transactions

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

The Role Responsibilities

Job Role

· Contribute to overall WM client and frontline experience by problem solving issues and seeing solutions through for what impacts client output (portfolio performance statements) and automated suitability checks within the WM toolkit platforms (Temenos wealth suite).

· Propose the action plan needed to get to the outcome / resolution of an initiative / issue. Follow up and drive the various parts of the plan through to fruition, including being responsible for execution of the plan.

· Lead the detailed requirement analysis so that the delivery squads can write the code easily - this includes data mapping, business rules, how to use the core feature of TAP, validating TAP system structure against business requirements, UI changes, etc.

· Propose processes required to ensure key business outcomes are met.

· Lead the squads through business and technical solutioning, coming up with detailed business requirements in consultation with the business representatives from countries and functions.

Strategy

· Embedded within a Toolkit squad (working on digital technology deliveries) as part of Wealth management - Wealth Journeys.

· Work in an agile fashion and closely with Toolkit squads, data management teams and other teams within the bank across a range of initiatives aligned to overall Wealth Management strategy.

· Responsible to drive development of Wealth Management Strategy to review market data cost efficiencies through negotiations with Market Data providers.

Business

· Accountable to maximise the business value of the product.

· Responsible to create, maintain and communicate the vision, road map and backlog priorities regularly throughout the initiative’s lifecycle, ensuring that delivery team members clearly understand items in the Product Backlog, clarifying requirements on behalf of end users where required.

· Responsible to define sprints goals aligned to Hive Objective and Key results – which should drive the priorities for experiments and user stories based upon business value and risks.

· Accountable and responsible to create user stories in Product Backlog with clear acceptance criteria.

Processes

· Improve RM productivity in the Sales process across end-to-end client journeys, in partnership with Affluent Segment, Wealth Management Product teams, WM COO and Technology leadership.

· Responsible to provide a holistic solution to RMs and clients for overall sales process in consultation with other product owners in Advisory and Client Engagement Tribe.

Regulatory and 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.

· Lead the team to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment].

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

· Exercise authorities delegated by the Board of Directors and act in accordance with Articles of Association.

Key Stakeholders

· Responsible to engage Hive Leadership and business stakeholders (Affluent Segment, Wealth Management, Advisory and Managed Investments, Capital Markets & Products, Digital Solutions, COO, Compliance, Risk etc) to provide feedback on progress, align product expectations and resolve issues.

Our Ideal Candidate

· 10+ years of experience in wealth management or private banking in similar role.

· Sound knowledge of Wealth Management products, processes and systems.

· Strong understanding of WM advisory frameworks, key risks, WM governance related matters.

· Strong ability to deal with organisational complexity and stakeholder management at multiple levels spanning group, regions and country.

· Strong record of execution abilities and taking ownership for deliverables.

Role Specific Technical Competencies

· Front end Wealth systems experience

· Wealth Management process knowledge

· Wealth Products knowledge

· Senior Stakeholder management

· Proficiency with process mapping

· Proficiency with data mapping

· Agile Methodology

­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

Responsibilities :

• Understand client’s needs, develop and maintain client relationship and conclude client’s deals efficiently
• Maintain excellent account management, co-ordinating with product partners and colleagues locally and overseas
• Manage client queries and problem resolution in timely manner, liaising with risk management, operations and compliance locally and overseas
• Maximize the portfolio of corporate client’s revenue potential by increasing product penetration and active cross-selling of the bank’s services

Requirements :

• Degree in Banking and Finance or related discipline.
• Minimium 5 years of working experience in customer relationship in corporate banking.
• Strong desire to achieve results.
• Independent with good coordination and interpersonal communication skills.

This is a 6 months contract role.

Job Responsibilities :

· Perform daily bank reconciliation and follow up on outstanding items.

· Handle accounts payable process including raising payments, preparing journal entries.

· Maintain fixed assets register and depreciation schedules.

· Ensure proper booking of transactions, including prepayments, accruals and provisions.

· Prepare reconciliation schedules for various balance sheet items.

· Assist in local financial reporting, MAS/regulatory and head office reporting.

· Perform any other accounting duties as assigned.

Job Requirements:

· Possess at least a Degree or equivalent qualification, preferably in Accountancy.

· Min one year of working experience in similar capacity preferred.

· Exhibit positive attitude, willing to learn and a good team player.

. Proficient in Microsoft Office applications.

about the company

Our client is a rapidly growing Internet company with a strong presence globally. It has an approved headcount in their risk team for their fintech services.

about the job

• Performing credit risk assessments and develop strategic mitigations and policies
• Identify credit risk factors, spot early warning signals and manage credit risks
• Working closely with internal teams to keep business risks at low level while maintaining business interests
• Ad-hoc and periodic risk reporting and providing recommendations on business and risk decisions

about the manager/team

You’ll be part of an international and dynamic team with good teamwork and working culture.

skills and experience

• Bachelor degree in Business, Accounting, Economics and Finance related disciplines
• At least 4 years of credit risk management experience
• Strong knowledge of credit risk management and control
• Familiar with data software and credit risk tools such as SQL

To apply online please use the 'apply' function, alternatively you may contact Judy at judy.low[@]randstad.com.sg or drop me a message on LinkedIn at https://www.linkedin.com/in/judy-low-bb09619a

(EA: 94C3609/ R22110790)

About the company
Our client is a renowned global specialist insurance. This is a newly created headcount due to business expansion, with a possibility of conversion.

About the job

• Implementing and execute credit control strategies
• Rectify discrepancies in account statements and payments to ensure accuracy.
• Maintain positive relationships with brokers and clients, oversee timely payments, and address delays promptly.
• Generate credit control reports based on Manager's parameters.
• Keep records of credit activities, minimise late payments, and negotiate payment plans.
• Produce regular reports on accounts receivable, collections, and credit risk.

Skills and experience required

• At least 3-5 years in a credit control role, ideally in the insurance industry
• Proficient in Microsoft Excel and Power BI
• In order to succeed, you should possess excellent communication and negotiation skills
• You should be meticulous, deadline-oriented, and be a team player

To apply online please use the 'apply' function, alternatively you may contact Lynette Lim.

(EA: 94C3609/ R1435181 )

Responsibilities:

• Providing support to HR and employees of corporate clients during implementation and administration of Flexible Benefits plan
• Adjudicate claims in accordance with clients’ specification/requests within stipulated timeline.
• Resolve escalations raised by inter-departments (e.g. Helpdesk, Clients Relations Managers etc.).
• Review exception reports and escalations from employees/HR in timely manner
• Prepare claims reports and payroll roles on ad-hoc / monthly / quarterly / annual basis as required
• Respond promptly to inquiries from inter-departments

Requirements:

• Experience with inhouse Flexible Benefits Portal and database management and record keeping
• Customer centric, meticulous, strong analytical, written communication skill
• Able to multitask, well organized and work under pressure to meet tight deadlines
• Good to have data analysis and reporting skills
• Excellent interpersonal and communication skill

We are currently recruiting for a paralegal to join Hogan Lovells' Corporate & Finance (C&F) team in Singapore. Our C&F team provides end-to-end transactional solutions to our clients globally, across a wide range of capital strategies and funding structures.

Our lawyers provide tailored, practical, and innovative advice to help organizations achieve their objectives. We help clients that are in early conversations about company formation; are seeking to raise capital; and need guidance concerning real estate, governance, tax, or compensation and benefits matters. And we work with clients that are looking to execute their growth, restructuring, or exit strategy – or are a lender or an arranger of capital raising.

With one of the largest fully integrated platforms of any law firm, our Corporate & Finance team consistently earns Top 10 rankings globally, as well as in our local markets.

SCOPE OF THE WORK

Your responsibilities will include but not limited to:

· Review and proofread legal documents

· Conduct legal research and analysis

· Help to draft and review advise and other documentation/correspondence relevant to client matters

· Provide support on Business Development proposals

· Provide support to other lawyers within the C&F practice groups, primarily Equity Capital Markets

REQUIREMENTS

· Strong English proficiency – both verbal and written (proficiency in other languages is an advantage) as the work will require a lot of drafting

· Formal legal qualification and/or several months of paralegal experience is preferred

· Enjoy working as part of a team and have strong communication and interpersonal skills

· Have an aptitude for analysis and problem solving

· Extremely organised - ability to prioritise and manage workload

· Able to work in different time zones. Our Equity Capital Markets work primarily in the India Standard Time (IST). Hence, your work hours might differ. For e.g., you might need to work from 10AM-7PM/11AM-8PM.

Responsible for the full spectrum of corporate compliance, financial and management accounting functions of a portfolio of 10 companies, you will lead, oversee and manage a finance team, ensure compliance with the Group's financial policies / procedures and local statutory requirements.

Job Responsibilities:

• Prepare timely and accurate financial and management reports
• Analyse and review financial reporting
• Perform cash flow forecasting as well as budgeting and forecasting
• Handle corporate tax filings and GST tax matters
• Formulate and implement processes to improve internal controls
• Liaise and coordinate with external corporate secretary, bankers, auditors and tax agents
• Provide expertise in any ad-hoc corporate projects

Job Requirements:

• Bachelor of Accountancy or equivalent professional qualification (ACCA)
• Minimum of 3 years' relevant experience with strong leadership capability
• Proficiency in SAP Byd is preferred, with strong knowledge of general ledger.
• Sound knowledge of Singapore's IFRS, Corporation law, Taxation law and relevant statutory requirement
• Good command of written and spoken English coupled with the ability to formulate and articulate policies and instructions
• Excellent communication and interpersonal skills to relate to people at all levels
• Proactive, meticulous, "hands-on" and able to work well in a dynamic and fast-paced environment

Responsible for the full spectrum of corporate compliance, financial and management accounting functions of a portfolio of 10 companies, you will lead, oversee and manage a finance team, ensure compliance with the Group's financial policies / procedures and local statutory requirements.

Job Responsibilities:

• Prepare timely and accurate financial and management reports
• Analyse and review financial reporting
• Perform cash flow forecasting as well as budgeting and forecasting
• Handle corporate tax filings and GST tax matters
• Formulate and implement processes to improve internal controls
• Liaise and coordinate with external corporate secretary, bankers, auditors and tax agents
• Provide expertise in any ad-hoc corporate projects

Job Requirements:

• Bachelor of Accountancy or equivalent professional qualification (ACCA)
• Minimum of 3 years' relevant experience with strong leadership capability
• Proficiency in SAP Byd is preferred, with strong knowledge of general ledger.
• Sound knowledge of Singapore's IFRS, Corporation law, Taxation law and relevant statutory requirement
• Good command of written and spoken English coupled with the ability to formulate and articulate policies and instructions
• Excellent communication and interpersonal skills to relate to people at all levels
• Proactive, meticulous, "hands-on" and able to work well in a dynamic and fast-paced environment

Job Responsibilities:

• Overseeing and managing the group company’s financial system, accounting system, budget management including budget preparation, implementation and analysis;

• Responsible for the financial management of the affiliated company, assist the group company to do a good job in capital allocation management;

• Responsible for reviewing, guiding and supervising the financial work of other positions and staff in the Finance Department.

• Cooperate with different departments to ensure that business operations to meet the stakeholders' expectations;

• Financial management and implementation regional specifically within the Southeast Asian market.

• Responsible for the overall tax administration.

• Assist management in discussing PE/VC enquiries/confirmations related to the IPO, investment and financing

Professional qualifications:

• Minimum 10 years’ experience in a financial role;

• Strong accounting ability, ability to analyze and solve problems, promote implementation and collaborative management, and strong communication and coordination ability;

• ACCA/CPA/Accounting qualification related certificates are preferred;

• Cross-Functional Work Concept

• Strong command of written and spoken English and Chinese to liaise with operations and communicate effectively with stakeholders in the China region.

Responsibilities:

• Verify, allocate, post and reconcile accounts payable and receivable
• Assist with company set up and initial start up phase
• Produce error-free accounting reports and present their results
• Analyze financial information and summarize financial status
• Spot errors and suggest ways to improve efficiency and spending
• Review and recommend modifications to accounting systems and procedures
• Provide input into company’s business goal setting and targets
• Prepare financial statements and produce budget according to schedule
• Assist with tax audits and prepare tax returns
• Prepare month-end and year-end close process
• Develop and document business processes and accounting policies to maintain and strengthen internal controls
• Ensure compliance with group reporting policies & principles

Requirements:

• Minimum 8 years of experience at relevant positions, preferably listed public companies or large multi-national companies
• BS degree in Accounting, Finance or relevant
• Relevant certification (e.g. CMA or CPA) will be preferred
• Fluent writing and speaking in English, Spanish, Portuguese for efficient collaboration with various stakeholders across the company
• Thorough knowledge of basic accounting procedures
• Familiarity with financial accounting statements
• Experience with general ledger functions and the month-end/year-end close process
• Hands-on experience with accounting software packages
• Advanced MS Excel skills including Vlookups and pivot tables
• Accuracy and attention to detail
• Aptitude for numbers and quantitative skills
• Honest and professional work ethic
• A team player with proactive attitude

About the company
Our client, a newly established re/insurance brokerage, is seeking a dynamic and experienced Head of Finance to oversee the full spectrum of finance and administrative functions. Reporting directly to the CEO, the successful candidate will play a pivotal role in ensuring the smooth operation of financial activities, compliance with regulatory requirements, and efficient office administration.

About the job

1. MAS Reporting: Lead the preparation and submission of regulatory reports to the Monetary Authority of Singapore (MAS), ensuring accuracy and compliance with regulatory standards.
2. Head Office Reporting: Coordinate and manage reporting activities to the head office, providing timely and accurate financial information.
3. MAS Compliance: Stay abreast of regulatory updates and ensure compliance with MAS guidelines and requirements across all finance operations.
4. HR Tasks: Oversee HR-related functions, including payroll, benefits administration, and employee relations, ensuring adherence to relevant regulations.
5. Office Administration: Manage office administration duties, including facilities management, procurement, and vendor relationships.
6. Financial Management: Supervise financial planning, budgeting, and forecasting processes, providing strategic insights to support business growth and sustainability.
7. Internal Controls: Develop and implement robust internal controls to safeguard company assets and mitigate financial risks.

Skills and experience required

• Bachelor's degree in Finance, Accounting, or related field
• Minimum 5 years of progressive experience in finance and accounting roles, preferably within the insurance or reinsurance industry.
• Strong knowledge of MAS regulations and reporting requirements, with proven experience in MAS compliance.
• Demonstrated leadership skills with the ability to lead and develop a high-performing finance team.
• Excellent communication and interpersonal skills, with the ability to interact effectively with stakeholders at all levels.
• Proven track record of implementing process improvements and driving operational efficiency.
• Proficiency in financial software and Microsoft Office Suite.
• Big 4 insurance auditors should apply

To apply online please use the 'apply' function, alternatively you may contact Lynette Lim.
(EA: 94C3609/ R1435181 )

TikTok is the leading destination for short-form mobile video. Our mission is to inspire creativity and bring joy. TikTok has global offices including Los Angeles, New York, London, Paris, Berlin, Dubai, Singapore, Jakarta, Seoul and Tokyo.

Why Join Us

At TikTok, our people are humble, intelligent, compassionate and creative. We create to inspire - for you, for us, and for more than 1 billion users on our platform. We lead with curiosity and aim for the highest, never shying away from taking calculated risks and embracing ambiguity as it comes. Here, the opportunities are limitless for those who dare to pursue bold ideas that exist just beyond the boundary of possibility. Join us and make impact happen with a career at TikTok.

About TnS-Live-Algo Team

Our algorithm team is responsible for developing state-of-the-art computer vision and multimodality models and algorithms to protect our platform and users from the content and behaviors that violate community guidelines and related local regulations. With the continuous efforts from our team, TikTok Livestream is able to provide the best user experience and bring joy to everyone in the world.

Job Description

We are looking for a highly self-motivated research engineer to join our algo team in Singapore. In our team, you will have the opportunity to participate in the development of the cutting-edge content understanding model to help improve the recognition ability of violated content in TikTok Livestream, and will also be responsible for optimizing our distributed model training framework continuously. The ideal candidate should be experienced in building a computer vision model or multimodality model and have a very strong coding ability in Pytorch/Tensorflow

Responsibilities

- Develop computer vision model or multimodality model to recognize violation content in TikTok Livestream

- Explore cutting-edge multimodal or computer vision large models (CLIP, COCA, ALBEF, BLIP, Flamingo, ViT-G, ViT-22B, EVA-enormous, etc)

- Explore the application of LLM in our business scenarios, like pre-training, zero-shot/ few-shot learning, hard case mining, etc

- Continuously optimize the training framework to better adapt to the training of large models

Qualifications

1. Major in computer science or a related technical discipline

2. At least 3 years of experience in at least one of the following areas: computer vision, multimodality, LLM

3. Be proficient with at least one deep learning framework (e.g. PyTorch, TensorFlow)

4. Have excellent analytical and problem-solving skills, logical thinking skills, communication and collaboration skills

5. Published papers in the top AI conferences or journals is a plus, including CVPR, ICCV, ECCV, NIPS, ICML, ICLR, TPAMI, IJCV, etc

TikTok is committed to creating an inclusive space where employees are valued for their skills, experiences, and unique perspectives. Our platform connects people from across the globe and so does our workplace. At TikTok, our mission is to inspire creativity and bring joy. To achieve that goal, we are committed to celebrating our diverse voices and to creating an environment that reflects the many communities we reach. We are passionate about this and hope you are too.