Total 6,199 Finance / Banking / Insurance job vacancies in tanah merah harbourfront and marina bay

Description

Some careers shine brighter than others

If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

Financial Crime Compliance aligns current activities within Global Risk and helps to build these into a more integrated framework to conduct Customer Due Diligence which enables HSBC to manage financial crime risk more effectively. It builds stronger controls to improve the way Financial Crime Compliance risks are managed in order to spot gaps as well as trends so that the team can take action. It proactively gathers and analyses financial intelligence in a smart way so that suspicious transactions, activities or connections can be identified and we can adequately protect our customers from the threat of financial crime.

We are currently seeking a high calibre professional to join our team as a Senior Manager, Financial Crime Oversight, Global Private Banking and Wealth.

Principal Responsibilities

Financial Crime

The Financial Crime (FC) Function is a Second line of defence (LOD) function that includes ”Risk Stewards” who are independent of the commercial risk-taking activities undertaken by the Group’s businesses (also referred to as “the First LOD” or “FLOD”). The FC Function also operates a set of critical controls on behalf of the FLOD by harnessing intelligence, analytics, technology, detection and investigation. The Risk Stewards are responsible for reviewing and challenging all the activities of the FLOD to ensure that, as “Risk Owners”, they effectively manage the FC risk inherent in, or arising from, the conduct of their activities and for which they are responsible. FC risk is a non-financial risk that includes fraud, money laundering, bribery and corruption, sanctions violations, terrorist financing, proliferation financing, export control violations and tax evasion. The FC function operates in accordance with HSBC Group’s Risk Management Framework (RMF).

The Global Private Banking & Wealth (GPB&W) Financial Crime Oversight Team provide oversight and challenge of GPB relationships with particular focus on SCC and High Risk relationships and booking centres/themes identified for increased oversight, to ensure that globally these relationships are appropriately reviewed, and we exercise our full suite of financial crime controls and critical thinking, to prevent our products and services from being used for financial crime. They act as a Global Financial Crime Risk Stewardship centre of expertise and guidance for onboarding and escalation of such cases.

The Senior Manager, Financial Crime Oversight, Global Private Banking & Wealth (GPB&W) is positioned in the GPB&W Financial Crime Risk Stewardship Team. They are required to review HR/SCC relationships being onboarded into GPB and a sample of existing client relationships, to ensure that enhanced customer due diligence has been carried out effectively and that financial crime risks are appropriately identified, mitigated and controlled. Enhanced due diligence includes source of wealth, source of funds, purpose of account, assessment of negative news and any indicators of financial crime. The role holder will also provide advice and guidance to local financial crime teams on complex cases, risk appetite and intelligence sought through external vendors. The role is a key risk management role with a targeted remit and responsibilities including, but not limited to:

• Reviews and challenges GPB onboarding of high risk and SCC relationships across GPB booking centres globally
• Carries out risk-based sampling of existing client relationships across GPB booking centres globally
• Coordinates a programme of targeted thematic reviews, working with local financial crime stewards
• Provides guidance to local financial crime stewards on the sourcing and use of insight and intelligence provided by external vendors including scoping of reports and interpretation and assessment of findings
• Manages case workload in line with Service Level Agreements, business and financial crime priorities
• Works closely with HSBC Financial Crime Investigations teams drawing upon resources and insights arising through wider investigative activity
• Identifies and reports on emerging themes and areas for action identified through cases reviewed
• Identifies cases for escalation to GPB RRCSC, WPB RRCSC and GRRC in line with policy, procedure and risk appetite
• Provides advice and guidance on controls that should be in place to mitigate financial crime risk
• Establishes strong, trusting and mutually supportive relationships with 1LoD and 2LoD stakeholders

Qualifications

• Experience and understanding of the Private Banking and Wealth Management business
• Experience working within a regulatory, investigative, or financial intelligence agency, or as a senior compliance or risk and manager within a global firm, in the financial services industry
• Strong understanding of Group Financial Crime Policy and GPB &W Procedures including Customer Due Diligence and Enhanced Due Diligence
• Strong understanding of the current regulatory environment and expectations, relevant regulations, codes, and as well as their underlying purpose to mitigate risk to the financial system and provide information useful for the public sector to provide law enforcement and security
• Strong understanding of financial crime typologies, emerging themes and how they may manifest in GPB&W relationships
• Critical thinker, analytical
• Excellent communication and inter-personal skills, with experience of dealing with first and second line stakeholders across regions and markets
• Degree educated and or relevant professional finance, regulatory or financial crime risk management qualifications

You’ll achieve more when you join HSBC.

www.hsbc.com/careers

https://hsbc.taleo.net/careersection/external/jobdetail.ftl?lang=en_gb&job=0000KLTQ&src=DM-21153

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Issued by The Hongkong and Shanghai Banking Corporation Limited.

Video URL - External

https://www.youtube.com/watch?v=y4LU9-uRd_4

Responsibilities:

• Maintain the general ledger by posting accurate and timely journal entries, including accruals and adjustments.
• Manage accounts payable and collection / receivable, ensuring timely payments, reconciliations, and resolution of discrepancies.
• Oversee fixed assets by updating the register, conducting audits, and ensuring compliance with standards.
• Perform monthly bank reconciliations
• Inventory management
• Update leave form,
• Send out Monthly SOA

Requirements:

• Minimum Diploma in Accountancy or equivalent
• Minimum 2 – 3 years relevant experience
• Proactive and good analytical skills
• Problem solving ability.
• Good planning and organisational skills.
• Prioritise workload and meet strict deadlines
• Proficient in Microsoft Excel

Job ID: QWVXR8YW

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

Branch Customer Service Officer / Digital Ambassador

• Working hours: Depends on branch operating hours
• Location: Multiple available
• 5.5 working days per week
• Salary: $15/hr
• Duration: 12 months contract (renewable)

Job Description:

1. To comb queue and assist customers with transactions at Self Service banking machines (ATM/CAM)
2. To assist customers to complete forms
3. To assist customers with internet banking transactions using the Ipad
4. To assist customers to open accounts with Ipad
5. To assist customers to update & change passbooks
6. To perform other ad-hoc tasks as assigned

Requirements:

• Min. GCE 'O' Level and above
• Customer service experience
• Experience dealing with crowds will be an advantage.

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. Reg No: R23117785 (Lok Ding Hann)

Responsibilities

• Prepare and deliver accurate management reports, including monthly forecasts and semi-annual budgets, with variance and trend analysis for the region.
• Assist in developing budgets and forecasts, ensuring they reflect strategic goals and business priorities.
• Analyze financial performance and key metrics to identify risks and opportunities for improvement.
• Work with various departments to collect and verify financial data, ensuring accuracy and timeliness.
• Provide analysis and insights that connect financial reports to business strategies.
• Prepare ad-hoc reports and analyses as needed to support management decisions.
• Handle other tasks as required.

Requirements:

• Degree in Accounting or equivalent qualification.
• At least 3 years of relevant experience.
• Good in numbers and data.
• Proficient in MS Office including Power BI, Vlookup, Pivot Table and PowerPoint.
• Excellent communication and presentation skills to engage with stakeholders.
• Detail-oriented, organized, and a team player.
• Self-motivated and able to work independently.

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 9724

http://www.peopleprofilers.com
EA License Number: 02C4944
Registration Number: R1872398

Posting Personnel: Ng Jwee Ken

Ref: QWR66RR9

Responsibilities

• Work with the team to provide corporate insurance broking advice and placement for clients.
• Communicate with clients to understand their insurance needs and advise on coverage options.
• Gather necessary underwriting information from clients for submission to underwriters.
• Evaluate and advise on quoted insurance rates, terms, and conditions.
• Secure insurance placements with underwriters, ensuring the required support from various markets.
• Prepare essential documentation for insurance placement, including quotation and placement slips, schedules, cover notes, endorsements, and closing slips.
• Ensure required documents are sent to insurers and clients by coordinating with the Administrative team.
• Monitor clients' accounts and collect outstanding payments.
• Review renewal business and take action to renew expiring policies.
• Execute special assignments and related duties as assigned.

Requirements:

• Diploma or Degree in Business, Banking, Finance or equivalent.
• Fresh graduates welcomed to apply or candidates with at least 1 year of experience in a similar role in insurance related industry
• Capable of working independently in a demanding work environment
• Excellent interpersonal and communication abilities.

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 9724

http://www.peopleprofilers.com
EA License Number: 02C4944
Registration Number: R1872398

Posting Personnel: Ng Jwee Ken

Ref: L645949W

1.Promote and develop businesses to provide customers with required products and services to ensure achievement of business targets.

2.Maintain and develop good relationships with high net worth clients, gain in-depth understanding of the financial and operating status of existing clients to provide strategic financial management advice in a timely manner.

3.Promote and develop related business opportunities across other business areas of the branch through cross-selling.

4.Understand changes in industries and follow up clients’ operating status periodically to manage potential risks and draft credit reports with accurate risk analysis.

5.To read and write Chinese (TraditionalChinese Characters) is a prerequisite as close liaison and communication with the Head Office in Taiwan is required.

6.To be qualified with over 8 years of experience in deposit, loan, credit analysis, foreign exchange and corporate banking related fields. (Hands-on experience in sales and credit businesses).

about the company

A leading professional services business with over 2 decades of presence, they have anchored themselves as a premium brand delivering the best in class service and are continuing to scale their business across the SEA region. As part of their rapidly growing business across the region, there is now an exciting opportunity to be in a high visibility role as a Senior Finance Analyst.

about the job

Reporting to the Head of Finance, you will be solely responsible for providing qualitative insights on financial, operational and sales performances, deep diving into the different service segments. You will drive continuous improvements to analytics tools and dashboards to optimise visualisation and understanding for the business leaders. You will also be supporting strategic projects, using financial models to evaluate potential investment decisions, new business initiatives, capex and marketing investments.

skills and experience required

You should ideally be degree qualified with at least 5 years of finance business partnering experience, preferably with some prior years in the Big 4. Financial modelling skills would be highly advantageous. You are analytical, and possess excellent business acumen, communication and influencing skills to confidently liaise with the senior management and business partners. You are comfortable being hands-on and agile to work within a fast growing and dynamic business. You can look forward to a hybrid work arrangement.

Tech Risk and Control Specialist

About The Company

Sing Investments & Finance Limited has more than 50 years of lending experience in the financing arena in Singapore. Our core activities include the acceptance of fixed and saving deposits from the public as well as the provision of loans and credit facilities to individuals and corporations, particularly the Small and Medium Enterprises (SMEs) in Singapore. The relationships that have been built over the years have earned us the reputation as one of Singapore's trusted finance companies. We are seeking dynamic individuals to grow with us and to continue building relationships with our valued customers.

We are looking for a dynamic and experienced Technology Risk and Control Specialist to join the RMD team. You will be instrumental in driving IT risk management initiatives including risk governance, internal & external audits and external attestations.

Responsibilities:

• Accountable for managing internal, external and regulatory reviews/audits from audit planning.
• Assess MAS regulatory change impacting the technology platforms and drive risk mitigation programs with stakeholders.
• Review risk findings with stakeholders to determine management actions and responsible for monitoring and validating the closure of management actions.
• Engage and collaborate with IT department to proactively identify risks at a detailed technical level and drive remediation plans to ensure that risks identified are effectively mitigated.
• Manage the risk and security related process improvements and quality programs.
• Perform procedure reviews to ensure compliance to IT security standards.
• Provide technical expertise for process improvement and quality assurance.
• Provide timely and periodic update to RMC on risk and security matters.
• Communicate and provide guidance of new IT risk policies.
• Investigate any security breaches and assess their damage.
• Keep up to date with developments in IT security standards and threats.

Requirements:

• Degree holder
• Must possess relevant certification on either Certified Information Systems Security Professional (CISSP) or ISO 27001 Information security management systems or Certified Information Systems Auditor (CISA) or Certified Information Security Manager (CISM).
• Experience in identifying, assessing and advising on technology risks.
• Excellent organizational, problem solving, interpersonal and operating skills to effectively drive the IT Risk working committee agenda with IT department.
• Have a strong control and process management mindset, constantly paying attention to details and have ability to perform deep-dive investigation and crunching for control and process issues.
• Strong communication skills - able to effectively communicate with IT department.
• Good technical competencies and exposure to IT application development, support and management.
• Knowledge of the Banking Act – Banking Secrecy Act, Cyber Security Act, MAS Technology Risk Management Guidelines, MAS Outsourcing Guidelines etc.
• Good knowledge of information security and cybersecurity risks and controls, processes, workflows, methodologies, and trends.

*Corporate rank and remuneration will commensurate with experience

Description

Some careers have more impact than others.

If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further.

Wealth and Personal Banking (WPB) helps deliver on HSBC’s purpose of opening up a world of opportunity by providing our customers with borderless banking and world-class wealth management through best-in-class, mobile-first capabilities and exceptional people. Our international network and breadth of expertise enable us to support individuals, families, business owners, investors and entrepreneurs. Wealth and Personal Banking has four key business areas responsible for efficiently bringing the best of HSBC to our clients through a broad and relevant suite of wealth and retail banking capabilities: Asset Management, Global Private Banking & Wealth, HSBC Life, Retail Banking & Strategy and COO & Digital Transformation.

We are currently seeking a high calibre professional to join our team as a Strategic Digital Delivery Manager.

Principal Responsibilities

• Point of contact for Singapore market business teams liaising with the global value stream delivery teams
• Establish a holistic view of delivery across all funding sources
• Establish market delivery governance to optimise interactions with Regional and Global teams
• Build strong relationships and credibility with the executive teams and be seen as a trusted advisor when it comes to digital transformation and delivering complex change
• Identify delivery blockers and co-ordinate resolutions across market, regional and global stakeholders Help market teams to build investment cases at an aggregated level linking to the OKRs
• Support global teams to synthesize investment demands from the Market and identify common capabilities and prioritize scalable solutions for delivery
• Work with the markets to understand local priorities and ensure they are visible to Regional and Global stakeholders
• Coordinate market demand and liaise with the value streams for guidance on global solutions and VS backlog prioritisation
• Translate the strategic priorities into a meaningful, executable, prioritized roadmap and facilitate their design and execution
• Assess local demand and identify capability gaps in order to deliver the VS outcomes
• Collaborate with the Business stakeholders in leading or supporting strategic initiatives
• Support the Business and markets in designing, facilitating, and running workshops, and in proposing recommendations
• Ensure key learnings are captured to improve methodologies and share best practice
• Research new technologies & services, assess competitors, new entrants, and review digital regulations and put recommendations forward for new capabilities
• Work with the other Market Engagement Teams to share learnings and identify synergies across markets

Qualifications

• University degree holder
• 6+ years of previous experience in a Management Consulting company, or an equivalent internal role is preferred
• Energetic, positive attitude and team player
• Experience of managing a large portfolio of change projects
• Strong analytical background, including being able to contextualize data into business activities and conclusions
• Experience in applying principles of Design Thinking, Lean, Business Architecture and Six Sigma methodologies
• Ability to think laterally and innovatively and find creative solutions, with a proactive approach to problem solving
• Ability to build strong relationships with stakeholders based on a good understanding of their objectives and the services they require to meet those objectives
• Experience in facilitating workshop and working groups using Design Thinking methods
• Ability to articulate and communicate complex problems into an approach to identify solutions
• Experience working in, and successfully navigating, a large and complex organisation
• Versatile experience, working with people in both technical and non-technical environments
• Proficient in Excel and PowerPoint, and ideally JIRA and Confluence
• Experience working in a retail or commercial banking organisation is preferable, but not essential
• Strong written and verbal communication skills, ideally including experience presenting to C-Suite level stakeholders

You’ll achieve more when you join HSBC.

www.hsbc.com/careers

https://hsbc.taleo.net/careersection/external/jobdetail.ftl?lang=en_gb&job=0000KOKC&src=DM-21153

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Issued by The Hongkong and Shanghai Banking Corporation Limited.

Video URL - External

https://www.youtube.com/embed/zjrWwmYbXqo

• Handle full set of accounts.
• General accounting tasks such as bank reconciliation.
• Liaise with operational staff on sales and cash receipt reports.
• Ad hoc duties assigned by the reporting officer.
• Salary commensurate with experience.

About the company
An exclusive mandate with a leading general insurance company that is looking to hire their first Pricing Actuary in Singapore. This is a unique opportunity to shape and drive the company’s pricing strategies, with a focus on motor insurance products. As the company’s first headcount in pricing, you will have the opportunity to take ownership of pricing decisions, influence product development, and collaborate with cross-functional teams.

About the job

• Develop and implement pricing models for motor insurance products.
• Conduct comprehensive pricing reviews and analysis to ensure profitability and market competitiveness.
• Utilize actuarial techniques and data analysis to evaluate risk, refine pricing strategies, and forecast profitability.
• Collaborate with underwriters, product development, and claims teams to ensure pricing strategies align with business objectives.
• Provide insights on market trends, competitor pricing, and product performance.
• Support regulatory reporting and compliance requirements related to pricing.
• Lead pricing initiatives for new and existing products, leveraging advanced actuarial methods.
• Engage with senior management to deliver pricing reports, recommendations, and performance analysis.

Skills and experience required

• Qualified or nearly qualified actuary (e.g., FIA, FSA, AIAA, etc.).
• Minimum 5 years of pricing actuarial experience in the general insurance industry, with a strong focus on motor insurance pricing.
• Proven ability to design and implement pricing models for insurance products.
• Strong analytical and problem-solving skills, with experience in data analysis, statistical modeling, and actuarial techniques.
• Familiarity with pricing software and statistical tools such as SAS, R, Python, or equivalent.
• Excellent communication and stakeholder management skills, with the ability to present complex actuarial insights to non-technical audiences.

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

JOB DESCRIPTION

• Work closely with stakeholders to assess, evaluate, and revise the Internal Control, Control Self-Assessment (“CSA”) and SAP GRC Governance Frameworks for the Group
• Analyze and apprise business processes, identifying risks and evaluating the adequacy and effectiveness of controls
• Review Group policies to ensure they are relevant and aligned and establish uniform practices across the Group
• Collaborate with stakeholders to offer advisory services regarding controls for new business’ systems and/or business processes
• Participate in Internal Audit meetings, including opening, status update and closing meetings. Review management responses and follow-up on implementation status for both internal and external audit findings to ensure closure
• Collaborate with Business Solution Team (BST) on continuous control monitoring (CCM) via the SAP GRC Process Control module, address any CCM exceptions identified during the process. Liaise with relevant stakeholders to fine-tune the process controls (PC) in system and processes when need arises
• Manage eCSA system in preparation for annual control self-assessment (“CSA”) Campaign launch for the Group, including providing training to Control Owners, Process Owners and CSA Champions and providing guidance to any other business stakeholders when necessary. Ensure that all open CCM and CSA issues are remediated and closed, and annual attestation completed timely
• Coordinate with IT system support team and/or consultants to address any issues reported by business stakeholders when using eCSA system
• Perform eCSA validation for selected group entities. Analyze eCSA results for reporting and presenting to stakeholders
• Deliver training on internal controls, including developing a relevant training plan, materials and delivery formats to enhance the internal controls and promote control awareness among business stakeholders
• Collaborate with Group Internal Audit (GIA) on CCM Data Analytics initiatives
• Such other duties and responsibilities as may be reasonably requested by your immediate supervisor / the head of department from time to time

JOB REQUIREMENTS

• Degree in Accountancy/Business/Finance or equivalent with at least three years of relevant experience
• Displays positive attitude, team player, meticulous and the ability to multi-task and work under tight timelines
• Able to work independently and possess good communication skills
• Proficient in MS Office applications
• Knowledge of SAP S4 and BPC/OneStream would be advantageous

We have a successful floating crane JV in Indonesia - short range ships which load and unload cargo at ports which lack the infrastructure for big vessels to dock. We would like to hire someone to monitor the finances and operation of the JV and provide an in-person monthly report to our CEO in Singapore.

The ideal candidate would either have an accounting or shipping background, with a good knowledge of market prices for key inputs like bunker fuel or labour costs.

At least 5 years of relevant experience.

Career growth would include potentially supporting the IPO process of the floating crane company and/or working on projects to build an alumina refinery in Kalimantan.

Main Responsibilities:

Loan and Deposit Administration:

• Ensure accurate accounting entries.
• Coordinate with relevant parties.
• Assist in the safekeeping and timely receipt of legal documents and financial statements.
• Manage inventory of legal and vessel insurance-related documents.

Loan, Deposit, and Trade Payments and Settlements:

• Handle loan drawdowns, rate-fixing, repayments, and redemptions.
• Ensure accurate accounting entries.
• Liaise with Corporate Banking staff and counterparties.

Fund Transfers:

• Address queries related to remittances.
• Prepare and reconcile SWIFT messages.
• Ensure accurate accounting entries.

Customer Accounts:

• Assist in opening, updating, and closing savings and fixed deposit accounts.
• Prepare monthly statements for customer delivery.
• Handle fund transactions and address queries.

Reporting:

• File documents and prepare regular management reports.

Requirements:

• Education: Accredited degree from a reputable university.
• Experience: 2-3 years in a banking environment in Singapore, with experience in loan settlements.
• Proficiency in Microsoft Excel and accounting systems - ORFEG & Swift.
• Excellent communication and interpersonal skills.
• Team player with a cheerful disposition.

Kindly apply online or get in touch with me directly at [email protected] for additional details about this opportunity. We regret to tell you that, due to the large number of applicants, only those who make the short list will be notified. Thank you!

Purpose of the role:

Responsible for proactively setting and executing risk mitigation strategies for loans across APAC, focusing on structured and complex loan products in particular Sponsor Leveraged Acquisition Finance (LAF) and both Financial Institution (FI) and Non-Bank Finance Institution (NBFI) products. The focus of the role is ensuring sufficient downside risk mitigation at loan origination for complex structured finance products and/or circumstances where the bank faces borrowers with heightened credit risk.

The role will work in tandem with the existing FI / LAF / other complex structured product client relationship and product teams and other key stakeholders, including MUFG Securities to review and challenge deal structures and suggest additional structural protections (commercial and legal), including specific unwinding, insolvency or restructuring considerations for new deals.

You will be required to critically review and sensitise borrower forecasts and underlying asset security valuations (including estimated recoveries in distressed or enforcement scenarios), consider client specific and sector risks, and challenge the adequacy of covenants and other protections from key commercial and legal terms. You will be required to review and provide advice on individual loans, but also help set risk appetite criteria and exposure thresholds for various structured loan portfolios.

Whilst the primary focus of the role is loan origination, you may also be required to support regional Credit Managed Assets team colleagues in working out or rehabilitating existing stressed and distressed loans and various other regional risk initiatives across APAC.

For existing stressed and distressed structured loans, you will be required to formulate, negotiate and implement appropriate risk mitigation strategies to maximise loan recoveries, including through refinancing, restructuring, rehabilitation or sale of loans or portfolios.

You will support the APAC Head of the Credit Managed Assets team to develop a strong credit and risk control/culture within the Global Corporate and Investment Banking Division (“GCIB”). Partnering closely with colleagues across APAC in supporting GCIB to proactively manage key risk controls related to the business activities.

You will report to Head of Credit Managed Assets (APAC).

Job Responsibilities:

Strategic

• Understand the competitive landscape, industry trends, regulations and the Bank’s strategy to review division/department’s performance and identify opportunities and risks.
• Utilise your deep understanding of structured finance products to review the key risks faced on new structured finance deals and recommend structural and other risk mitigants, including FI products (subscription call financing, NAV-based lending/fund financing) and LAF products (HoldCo, OpCo, TLB, Direct Lending structures).
• Based on feedback and lessons learned from management of problem loans, provide feedback and recommendations for changes to GCIB overall portfolio “credit stance” or appropriate risk appetite for individual loan transactions going forward.
• Collaborate with relationship managers to provide an independent review of new loans at origination where subject to heightened risk (e.g. reputational or credit risk concerns, complex borrower group, uncommon or novel elements or structure, development of new strategies or approaches to growing a business or product) and recommend appropriate downside risk mitigation through commercial, legal and structural protections. Ultimately, risk ownership will remain with the relevant Structured Product or Country relationship manager – you will be responsible for advising and consulting to them.
• Work with country relationship managers and key structured finance product partners to enhance existing and future regional credit and other risk management frameworks to embed 'best in class' risk ownership into the first line of defence.
• Collaborate with the bank’s Debt Capital Markets (DCM) team and related securities company, MUFG Securities to ensure that, when they are at an early stage of considering and advising on complex syndicated structured finance transactions options, ensure appropriate structural, legal and commercial downside credit mitigation is incorporated (that MUFG would expect to itself participate), and to give due consideration to any unwinding, restructuring or insolvency factors as may be required.
• In cooperation with country relationship managers and other Credit Managed Asset team colleagues, assist with the formulation and execution of recovery and restructuring strategies for stressed and distressed assets. This may involve leading syndicates of banks, advisors and internal stakeholders through complex stakeholder negotiations for the implementation of restructuring solutions for the bank's stressed and distressed credits.

Financial

• Provide input and evaluate the adequacy and effectiveness of existing credit policies for structured finance products, procedures, processes and ensure they continue to be refined and develop in line with emerging key market risk trends.
• Lead internal training and assess structuring and risk management competencies of relationship managers to ensure appropriate downside risk mitigation is consistently implemented on new deals.

Customer

• Develop and maintain strong stakeholder management with key stakeholders both within MUFG, GCIB and externally
• Responsible for maintaining strong customer relationships in tandem with primary relationship managers.
• Consult and support regional colleagues to develop timely measures and action plans effectively.
• Work in partnership with Head Office, Risk Division, middle and back-office functions across region in maintaining business relationships resolving any credit related issues associated with credit relationships.
• Anticipate as well as be sensitive to customer expectations and guide the regional colleagues and GCIB to consider appropriate measures to protect the Bank in managing complex structured finance loan origination and credit situations.
• Visit customers frequently, to represent the business to resolve issues and maintain good customer relationship.
• Develop and maintain strong relationship with regulators, when required.
• Monitor and advise Management on the impacts of economic and regulatory changes.
• Advise Management on progress and findings.

People

• Act as a role model to GCIB team members and adhere to all company policies/ guidelines. Support, coach and guide team on complex issues.

Other/ Control

• Review credit knowledge and assist with the training competencies of RMs in GCIB.
• Contribute to processes, policies and guidelines to mitigate any credit risk and align to the business strategy.
• Participate in relevant committees within the entity.
• Ensure compliance with relevant regulations and limits. Maintain good working knowledge of global and regional industry trends, products, relevant laws and regulations.
• Act as a Subject Matter Expert to MUFG customers and Management.
• Adhere to all company policies / guidelines.

Job Requirements:

• Minimum Degree holder
• Minimum 12 years’ experience in banking or advising banks or non-bank financial institutions specializing in complex structured finance loan products across APAC markets.
• Experience in banking, advisory, corporate finance or legal sectors managing advanced loan and deal structuring and negotiation with a focus on downside risk mitigation, including formulating and reviewing complex financing SPVs, loan and security structures and associated legal documentation.
• Experience managing credit workouts, hands-on restructuring of stressed and distressed loans would also be advantageous
• Strong stakeholder management skills to collaborate with other divisions/departments including across geographical locations.
• Experience through one to two economic downturns would be advantageous, including financial analysis and modelling of downside scenarios
• Cross functional understanding of risk and controls (i.e. market, credit, finance, compliance, operations, legal, audit)
• Excellent communication skills
• Strong leadership skills and ability to work under own initiative.
• Strong understanding of the global banking regulatory environment.

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

Job ID: 10067466

Duration: 11 months

Location: Ubi

Working Hours: Monday - Thursday 830am to 6pm; Friday 830am to 530pm

The Finance & Resource Management unit, under the Planning & Organisation Department, manages the financial resources of the Force encompassing both the Development and Operating Budget.

It seeks to achieve maximum utilisation of budget and ensure money are well spent and adheres to relevant financial guidelines and directives in supporting the objectives of the Force.

The team of Desk Heads all support the operations of all departments/units by working closely on all financial and budgetary matters. The team also reviews the financial performance of the departments, including reviewing processes to ensure efficiency and effectiveness, and achieve business outcomes.

Requirements:

• Prior experience in Audit or Accounting role will be an advantage
• Candidates with relevant certification in Accounting, Robotic Process Automation or Data Analytics will be an advantage
• Prior experience in using SAP and NFS will be an advantage Attributes
• A dedicated team member
• Meticulous with an eye for detail
• Strong with numbers and analytics
• Independent and self-driven
• Strong communication (written and verbal), presentation and interpersonal skills.

Should you be interested in this position, please contact Mandy at 9640 2934 your resume directly for fast respond.

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. R23114622 So Man Xin

GIC is one of the world’s largest sovereign wealth funds. With over 2,000 employees across 11 offices around the world, we invest in more than 40 countries globally across asset classes and businesses. Working at GIC gives you exposure to an extraordinary network of the world’s industry leaders. As a leading global long-term investor, we Work at the Point of Impact for Singapore’s financial future, and the communities we invest in worldwide.

Investment Services Private Markets

We manage deal structuring, due diligence and closing. We provide financial operations to GIC’s private equity, infrastructure, and real estate assets, as well as tax structuring, corporate holding structures, valuations, and financial reporting.

Investment Finance & Controllers (“IF&C”)

The Investment Finance & Controllers Team is responsible for deal finance advisory including buy-side and sell-side financial due diligence, portfolio control, treasury and cash management, valuations, investment operations, investment and portfolio accounting, financial reporting, and special purpose vehicle management for GIC’s private investments.

We are looking for a suitable Assistant Vice President to join our Controllers team.

What impact can you make in this role?

You will be part of a team that is an integrated investment service team that partners the business in providing services to support private markets investment.

We are seeking an Assistant Vice President to focus on investment operations. This role involves interactions within IF&C, identifying continuous improvements to our processes, streamlining complexities in our operating model , and ensuring the seamless integration of these solutions into our investment operations. This role works closely with internal and external stakeholders to support finance operations throughout the investment’s life cycle.

What will you do as an Assistant Vice President?

• Review deal activities throughout the investment life cycle, such as setting up investment structures, bank accounts, provision of KYC documents, funding process for investment funding (capital calls, loan drawdowns, etc)
• Review system set up of new deals and ongoing maintenance, etc
• Review ongoing investment activities such as receipts from fund distributions, repayment and interest from private loans, etc
• Drive month-end / year-end closing activities
• Accountable as a process owner for selected processes
• Assist with internal / external audits when required
• Proactively identify areas for streamlining, automation or outsourcing to enable operations to scale
• Participate and drive workstreams independently to support business process simplification and efficiency initiatives
• Respond to information needs of management and internal/external stakeholders
• Provide coaching to new and junior team members

What qualifications or skills should you possess in this role?

• Bachelor in Accounting, Finance or relevant disciplines
• At least 4 years relevant accounting work experience in the finance, accounting or private markets industry (not limited to private equity, private credit, real estate, infrastructure)
• Self-starter who is detail oriented, very organized and pro-active in executing responsibilities
• Demonstrate a strong risk attitude
• Demonstrated ability to multitask, manage and complete multiple priorities on time with minimal direction
• Displays behaviours of self-reliance
• Displays high intellectual curiosity and innovative mindset
• Focuses on delivery excellence and accountability
• Able to work independently to meet deadlines
• Strong stakeholder management skills
• Proficient in Microsoft Office applications

Work at the Point of Impact

We need to be forward-looking to attract the right people to help us become the Leading Global Long-term Investor. Join our ambitious, agile, and diverse teams - be empowered to push boundaries and pursue innovative ideas, share your views, and be heard. Be anchored on our PRIME Values: Prudence, Respect, Integrity, Merit and Excellence, which guides us in how we make our day-to-day decisions. We strive to inspire. To make an impact.

Flexibility at GIC

At GIC, our offices are vibrant hubs for ideation, professional growth, and interpersonal connection. At the same time, we believe that flexibility allows us to do our best work and be our best selves. Thus, our teams come into the office four days per week to harness the benefits of in-person collaboration, but have the flexibility to choose which days they work from home and adjust this arrangement as situational needs arise.

GIC is an equal opportunity employer

GIC is an equal opportunity employer, and we value diversity. We do not discriminate based on race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.

Please email [email protected] at any point of the application or interview process if adjustments need to be made due to a disability.

Learn more about our Investment Services Private Markets Department here: https://gic.careers/group/investment-services-private-markets/

To be considered for the role, please submit a formal application through the GIC Careers site at:

https://careers.gic.com.sg/job-invite/16011/

Job Description:

Details of the Division and Team:

Deutsche Bank’s Private Banking business is one of the largest wealth managers worldwide. We offer our clients a broad range of traditional and alternative investment solutions, as well as comprehensive advice on all aspects of Wealth Management.

As a trusted partner of wealthy individuals and entrepreneurs, family offices and foundations, we create lasting value for clients. We specialize in developing bespoke solutions for our clients around the world, for instance wealth planning across successive generations and international borders, asset management with individual risk management, loans and deposits.

What we will offer you:

A healthy, engaged and well-supported workforce is better equipped to do their best work and, more importantly, enjoy their lives inside and outside the workplace. That’s why we are committed to providing an environment with your development and wellbeing at its center.

You can expect:

• Flexible benefits plan including virtual doctor consultation services
• Comprehensive leave benefits
• Gender Neutral Parental Leave
• Flexible working arrangements
• 25 days of annual paid leave, plus public holiday & Flexible Working Arrangement

Your key responsibilities:

• Responsible for ensuring KYC (Know Your Client) reviews are in line with regulatory standards
• Act as a Team Lead to run a team of client onboarding SME on behalf of the Head of NCA
• Act as a checker to review team members’ reviews to ensure Source of Wealth corroboration, review of corporate structures and performance of beneficial ownership drilldown
• Assessment of money laundering, fraud, reputational risk, and sanctions risk factors on client accounts
• Perform screening and relevant alert adjudication
• Handle audit and quality control enquiries
• Work in partnership with Front Office and Anti Money Laundering colleagues to ensure files are completed in a timely manner and with high quality

Your skills and experience:

• Minimum 5 years’ experience in KYC or AML
• Familiar with FATCA and CRS requirement
• Strong leadership skills, have led a team or managed people (direct reports)
• Experience in Source of Wealth (SOW) and KYC review
• Degree majoring in Banking, Accountancy or Business Administration or related discipline
• Good stakeholder management skills
• Strong time management, organizational, planning and follow-up skills
• Able to multi-task effectively
• Willing to learn and take on additional challenges
• Good team player
• Pro-active and able to work under pressure
• Good communication skills (oral and written) and interpersonal skills
• Good knowledge of Microsoft Suites – Word, Excel, PowerPoint

Role is required to be performed on-site at One Raffles Quay office. Relevant vaccination requirements may apply.

How we’ll support you:

• Coaching and support from experts in your team
• A culture of continuous learning to aid progression
• A range of flexible benefits that you can tailor to suit your needs
• Training and development to help you excel in your career

About us and our teams:

Deutsche Bank is the leading German bank with strong European roots and a global network. click here to see what we do.

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.

Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.

We are looking for a highly experienced Credit Business Analyst with strong analytical and presentation skills, backed by a minimum of 10 years of experience in credit, finance, and banking applications. In this role, you will collaborate closely with business users to understand their requirements, produce functional specifications, and manage relationships with stakeholders throughout the project lifecycle. A solid understanding of banking domains, particularly in Wealth Management, along with experience in credit and risk functions, is essential.

Role and Responsibilities:

• Collaborate with internal and external stakeholders to gather and analyze business requirements, producing artifacts such as Business Requirements Documents (BRDs), use cases, and interface designs.
• Conduct interviews, workshops, and workflow analyses to define and document business needs.
• Challenge business units to ensure the efficient execution of plans and translate business needs into functional and operational requirements.
• Serve as the liaison between business teams and technology teams, ensuring smooth communication and flow of requirements.
• Develop functional specifications and collaborate with developers to balance usability and performance requirements.
• Ensure consistent communication with stakeholders and manage relationships throughout the project lifecycle.

Ideal candidate:

• 10+ years of experience as Business analyst in the banking industry
• Strong knowledge of the credit domain, including Wealth Management credit and risk functions.
• Proficiency in SQL and familiarity with business analysis software tools.
• Excellent verbal and written communication skills, with strong presentation abilities.
• Proven ability to manage relationships across IT teams, users, and other stakeholders.
• Strong critical thinking and problem-solving skills, with a quality-focused mindset.
• Ability to work autonomously, take initiative, and provide regular updates.
• Deep understanding of credit risk, including financial instruments, collateral assessment, rating agencies, and derivative products (FX forwards, options, etc.).
• Knowledge of wealth management products such as credit lines and loans.
• Familiarity with Agile/Scrum methodologies and practices.
• Knowledge of financial instruments (e.g., referential data, prices, ratings, exchange rates).
• Basic experience in SQL for data analysis and reporting.

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 up to 50% of what you closed

+ Free Sales Overseas Trip

+ Quarterly Bonus (Don’t need to wait a year)

How do the 50% commissions work. For example, if you close a client who is saving $500 monthly, $500 x 12 months = $6000. You get 50% which is $3000.

That's 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

LIONBROKERS PTE. LTD. | EA License No. 22S1273

EA Personnel : Eugene Paik | EA Personnel Reg No.: R22110193

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 up to 50% of what you closed

+ Free Sales Overseas Trip

+ Quarterly Bonus (Don’t need to wait a year)

How do the 50% commissions work. For example, if you close a client who is saving $500 monthly, $500 x 12 months = $6000. You get 50% which is $3000.

That's 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

LIONBROKERS PTE. LTD. | EA License No. 22S1273

EA Personnel : Eugene Paik | EA Personnel Reg No.: R22110193

GIC is one of the world’s largest sovereign wealth funds. With over 2,000 employees across 11 locations around the world, we invest in more than 40 countries globally across asset classes and businesses. Working at GIC gives you exposure to an extraordinary network of the world’s industry leaders. As a leading global long-term investor, we Work at the Point of Impact for Singapore’s financial future, and the communities we invest in worldwide.

Finance Department

Finance Department (FD) is responsible for financial management of the GIC group. We support the GIC Group in Financial Planning and Analysis, Financial Governance, Financial Reporting, Accounting Operations, and Treasury & Cash Management. We are a strategic partner to the departments in GIC and supports their operations, growth and competitiveness through our financial expertise and data-driven insights. We also harness data and technology to achieve excellence in financial operations.

What impact can you make in this role?

We are looking for a suitable candidate to join the Global Accounting Operations team with the Finance Department. The candidate is responsible for the accounting of the corporate legal entities ensuring that they comply with in-country statutory and tax regulations and enterprise policy and procedures. The candidate is also responsible for leading change management to drive transformational impact in our function to improve efficiency, effectiveness and strategic alignment.

What will you do as an AVP in the Global Accounting Operations team?

Accounting & Operations

• Performing accounting and close process execution that include the preparation of reporting packages, analysis of accounting schedules and explain variances on the financial statements.
• Liaising with external auditors in annual statutory audit procedures to meet reporting timeline.
• Addressing stakeholder queries and handling operational issues from both internal and external parties.
• Developing user-friendly procedures, guides and documentation, and providing training and guidance to end-users.
• Supporting system implementation to meet new accounting and business requirements.

Process Improvement

• Identifying and optimizing finance processes, workflows, and systems to streamline operations and enhance productivity whilst embedding adequate controls to mitigate risks.

Technology Integration

• Assessing and implementing advanced financial technologies to modernize, improve finance operations and automate manual tasks.
• Developing visualization dashboards to efficiently identify trends and anomalies to enable risk-based validation.

Change Management

• Leading and managing the change required for the function, ensuring smooth adoption of new processes and technologies by engaging and training the team and business users.

What qualifications or skills should you possess in this role?

• Bachelor’s degree in accounting or finance with at least 8 years of relevant experience in corporate accounting function.
• Experience in process reengineering and change management.
• Proficiency in project management methodologies.
• Proven experience with SQL, Python and other automation / data analytics tools to support finance process digitalization and create data driven insights.
• Strong experience in control and compliance.
• Excellent written and verbal communication skills, including the ability to communicate complex financial concepts to non-finance stakeholders.
• A mindset of continuous improvement and a willingness to explore innovative approaches to finance processes and technology.
• Ability to pick up new challenges in a dynamic and fast paced environment.

Work at the Point of Impact

We need to be forward-looking to attract the right people to help us become the Leading Global Long-term Investor. Join our ambitious, agile, and diverse teams - be empowered to push boundaries and pursue innovative ideas, share your views, and be heard. Be anchored on our PRIME Values: Prudence, Respect, Integrity, Merit and Excellence, which guides us in how we make our day-to-day decisions. We strive to inspire. To make an impact.

Flexibility at GIC

At GIC, our offices are vibrant hubs for ideation, professional growth, and interpersonal connection. At the same time, we believe that flexibility allows us to do our best work and be our best selves. Thus, our teams come into the office four days per week to harness the benefits of in-person collaboration, but have the flexibility to choose which days they work from home and adjust this arrangement as situational needs arise.

GIC is an equal opportunity employer

GIC is an equal opportunity employer, and we value diversity. We do not discriminate based on race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.

Learn more about our Finance Department here: https://gic.careers/group/finance-department/

To be considered for the role, please submit a formal application through the GIC Careers site at:

https://careers.gic.com.sg/job-invite/15846/

Project Management Officer

Work Location: Singapore

JOB DESCRIPTION:

• Responsible for monitoring project to ensure projects/releases are adhering to SDLC and applicable organization rules and policies. Render strong support to Program Managers and Project Managers to enforce governance, track program/project finanacials and synergy/collaboration across all teams.

• Degree in IT or Banking/Computer Science related discipline and PMP certification

• Minimum 8-10 years’ experience in project management and PMO execution for large scale projects implementing financial solutions

• Strong experience in program management, planning and project implementation

• Good knowledge in financial management to ensure project financials are correctly captured

• Excellent working knowledge of MS Word, Excel, Powerpoint, MS Project, Power BI

• Strong organizational and analytical skills, meticulous with details

• Able to multi-task and perform well under pressure

• Track the delivery of the Program/Project in compliance with pre-established plans, deadlines, deliverables, budget and resources throughout the project process

• Monitor project to ensure projects/releases adheres to SDLC and relevant rules /policies pertaining to project delivery

• Provide executive-level reporting on project statuses, risks, and opportunities to stakeholders and leadership

• Develop template for program / project budget tracking and reporting

• Maintain up-to-date record of investment and expense utilization

• Periodically review project budget spending and variances between plan and actual

• Work closely with project managers to track and review progress of plan acquisition and payment milestones

• Work with Program / Project Managers to perform resource planning and acquisition

• Support for resource / vendor onboarding / offboarding

• Centralize and maintain Resource Allocation recording for optimization across programs and projects

• Devise and refine process, procedures and templates in project delivery to enhance efficiency and effectiveness

• Train and guide project managers / members on project mgmt processes and tools

• Drive continuous improvement initiatives within the PMO to streamline processes and enhance project delivery capabilities

· Perform KYC due diligence/ end-to-end client lifecycle management

· Min 4 years of KYC Ops experience covering Corporate Banking portfolio

· CBD

· 1 Year Contract – Highly Convertible

· Basic Salary up to $ 6600

Job Responsibilities:

· Perform KYC due diligence of new and existing clients (periodical revisions)

· Conduct checks and due diligence on these clients primarily looking out for PEP/Adverse news/information that may be detrimental to the reputation of the bank

· Communicate closely with Front Office on the collection of the KYC documents/information

· Review and close out transaction monitoring alerts

· Provide guidance and sharing of KYC knowledge to the junior team members in the team and other departments

· Discount and mitigate screening hits – during onboarding and ongoing monitoring

· Ensure accurate and proper maintenance of statistics for timely MIS reporting/other ad-hoc reports and perform monthly reconciliation on the KYC Status versus Opened Accounts of the Existing Clients.

· Participate in Projects and perform UAT testing assigned by the Manager

· Other ad-hoc screenings or duties assigned by the Manager

Job Requirements:

Min 4 years of experience in KYC / AML area handling Corporate banking portfolio

Experience in client facing is highly preferred

Proficiency in English & Chinse to liaise with Asia counterparts

Strong computer skills especially in Microsoft suite

Good communication skills and detailed personnel

How to Apply

Interested candidates kindly send your resume over to me at [email protected] and attention to Celine Lee with the position title stated above. Alternatively, you may reach out to me via whatsapp at +65 8869 8708

I regret to share that only shortlisted candidates will be notified.

By sending us your personal data and curriculum vitae (CV), you are deemed to consent to Morgan Mckinley 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.morganmckinley.com/sg/privacy-policy. You acknowledge that you have read, understood, and agree with the Privacy Policy.

Morgan McKinley Pte Ltd

Cain Yee

EA Licence No. 11C5502

Registration No. R1329079

about the company
our client is a leading international financial institution.

about the job

• sourcing, selection and managing of vendors
• act as the point of contact for all liaisons between vendors and internal stakeholders
• facilitate vendor risk assessment

skills and experience required

• prior experience in banking/financial institutes handling procurement, outsourcing and vendor management

To apply online please use the 'apply' function.
(EA: 94C3609/ R1985244)