Total 448 finance banking insurance job vacancies in Accounting / Auditing category in The United States of America

As Regional Internal Auditor, you will add value and improve the bank’s operations by bringing an efficient and disciplined approach to the effectiveness of risk management, control, and governance processes. You will travel and work closely with internal audit counterparts on a regional scale to conduct audit visits. You will have the opportunity to work with the stakeholders to evaluate internal controls and providing recommendations to strengthen these processes.

Responsibilities

• Lead and/or execute audits independently and efficiently, including audit planning, key control evaluation and testing, report drafting and issues follow-up and closure. Perform audit activities in accordance with the Bank internal audit methodology.
• Assess the Bank internal control environment with view to provide value-adding recommendations to Management to manage emerging issues or remediate identified weaknesses.
• Apply data analytics to assess the internal control environment.
• Establish and develop good working relationship with Management of assigned Business Units for which candidate has been assigned risk assessment responsibility.
• Contribute to the annual risk assessment exercise by developing good understanding of business strategy, plans, products, processes performance, risks and issues of the assigned Business Units.
• Perform continuous monitoring on assigned Business Units to keep abreast on evolving markets, regulatory, business and operational changes to drive appropriate ongoing audit coverage.
• Participate in the team’s strategic initiatives and projects as opportunities arise.

Requirements

• CPA certified or equivalent of an internationally recognized accounting body
• At least 6 years of Treasury audit experience in the banking industry with experience in leading audits
• Familiar with execution of risk-based audit approach
• Proficient in both spoken and written English
• Good interpersonal and stakeholder management skills
• Good team player as well as able to work independently
• Meticulous, disciplined and self-motivated individual with the passion to pursue excellence

As Regional Internal Auditor, you will add value and improve the bank’s operations by bringing an efficient and disciplined approach to the effectiveness of risk management, control, and governance processes. Specialised in governance and risk management, your role will play a critical part in promoting strong governance and risk management culture across the organization, you will work closely with cross-functional teams and senior leadership to deliver high-quality audit services.

You will travel and work closely with internal audit counterparts on a regional scale to conduct audit visits. You will have the opportunity to work with the stakeholders to evaluate internal controls and providing recommendations to strengthen these processes.

Responsibilities

• Lead and/or execute audits independently and efficiently, including audit planning, key control evaluation and testing, report drafting and issues follow-up and closure. Perform audit activities in accordance with the Bank internal audit methodology.
• Assess the Bank internal control environment with view to provide value-adding recommendations to Management to manage emerging issues or remediate identified weaknesses.
• Apply data analytics to assess the internal control environment.
• Establish and develop good working relationship with Management of assigned Business Units for which candidate has been assigned risk assessment responsibility.
• Contribute to the annual risk assessment exercise by developing good understanding of business strategy, plans, products, processes performance, risks and issues of the assigned Business Units.
• Perform continuous monitoring on assigned Business Units to keep abreast on evolving markets, regulatory, business and operational changes to drive appropriate ongoing audit coverage.
• Participate in Bank’s strategic initiatives / project meeting to promote / enhance the organization's governance and risk culture.
• Participate in the audit department’s strategic initiatives and projects as opportunities arise.

Requirements

• CPA certified or equivalent of an internationally recognized accounting body
• At least 8 years experience in audit of the banking industry with experience in governance and risk management audit
• Familiar with execution of risk-based audit approach
• Strong understanding of risk management frameworks, governance standards, and best practices (i.e. Basel, COSO, Three-line Defense)
• Excellent communication skills, with the ability to present audit findings and recommendations effectively.
• Good interpersonal and stakeholder management skills
• Good team player as well as able to work independently
• Meticulous, disciplined and self-motivated individual with the passion to pursue excellence
• Strong problem-solving skills and attention to detail

Job Order:533220

Step into Your Future as a Branch Relationship Manager

Are you looking for a career in banking with limitless growth potential and significant earning opportunities? We’re seeking driven individuals to join one of Singapore’s most prestigious banks as a Branch Relationship Manager.

Why This Role?

• Launch Your Banking Career: Fast-track your way to success with a structured progression path based on your performance.
• Uncapped Earnings: Enjoy the potential to earn over $80,000 - $100,000 within your first year.
• Become a Wealth Advisor: Provide expert financial solutions and guide clients toward achieving their long-term financial goals.

What’s in It for You?

• Work with a Leading Brand: Be part of one of Singapore’s top-tier banks, widely recognized across Asia.
• Endless Client Opportunities: Start with 500-600 pre-assigned clients and access to walk-ins at branches, so you’ll never run out of opportunities to grow your portfolio.
• Professional Growth: Clear opportunities for promotions and continuous skill development.
• Full Training Provided: No prior experience needed—benefit from extensive industry training and development programs.
• Convenient Work Locations: Work from branch locations across the island, offering convenience and flexibility.
• Comprehensive Employee Perks: Receive competitive benefits, from overseas trips and quarterly awards to health and wellness allowances, preferential staff rates on loans, and more.

Key Responsibilities:

• Offer personalized wealth planning and financial solutions to retail banking clients, focusing on bancassurance and investment fund products.
• Utilize the bank’s wide range of offerings, from life insurance and investment-linked policies to retirement and savings plans.
• Proactively engage with clients in the branch and leverage the bank’s internal databases to expand your customer base.
• Provide in-depth consultations to assess client needs and goals, delivering the right solutions to meet their financial objectives.
• Utilize the bank’s advanced digital tools and business support teams to enhance client engagement and satisfaction.
• Adhere to all relevant regulatory and internal compliance standards.

What You Can Expect:

• Base Salary: $3,300 - $5,000 (based on experience) + $300 fixed monthly allowance + quarterly commissions, all tied to your individual sales performance.
• Perks: 24 days of annual leave, overseas incentive trips, quarterly awards, flexi-allowances for health and wellness, and more.
• Comprehensive Training: Start with a 3-week classroom training, followed by 8-9 weeks of hands-on competency training to set you up for success.

What We’re Looking For:

• Diploma or Degree from a recognized local institution (in accordance with MAS requirements).
• Willingness to complete core CMFAS papers before starting—guidance and reimbursement will be provided.
• Motivated and goal-oriented individuals with a passion for financial planning and wealth management.
• Commitment to a 5.5-day workweek, with flexibility to meet clients outside of traditional hours.

We regret that only shortlisted candidates will be notified. However, rest assured that all applications will be updated to our resume bank for future opportunities.
Please kindly refer to the Privacy Policy of Good Job Creations for your reference:
https://goodjobcreations.com.sg/en/privacy-policy/
EA Personnel Name: Tan Gabriel
EA Personnel Reg. No.: R22104076
EA Licence No.: 07C5771

Job Description

• Industry/ Organization Type: Accounting Firm (Global)
• Position Title: Audit Manager (Banking/Insurance)
• Working Location: Central
• Working Hours: 5 days, Monday – Friday (8:45 AM – 5:30 PM)
• Salary Package: Basic up to $ 8,500 + Twice Yearly Performance Bonus
• Duration: Permanent

Key Responsibilities

• Supervise the execution of audit engagements for financial services clients, with a focus on banking and capital markets, in compliance with relevant regulatory and professional standards.
• Ensure the timely and accurate completion of audit portfolios, managing budgets, resourcing strategies, billing, and collections.
• Oversee the management of audit portfolios, including monitoring progress against plans, timelines, and milestones.
• Drive the client experience by managing client relationships and accounts effectively.
• Build and manage a professional audit team, providing regular coaching and feedback for continuous performance enhancement.
• Engage the team to deliver value-added services to clients.
• Maintain a working knowledge of accounting literature, trends, and technical issues relevant to the financial services industry.
• Stay informed about industry trends to identify potential issues, risks, and best practices.

APPLY NOW!!!

• Bachelor’s Degree in Accountancy, preferably with a professional qualification in CA (Singapore) or equivalent.
• Minimum 5 years of audit experience.
• Experience in auditing clients in banking and capital markets, payments, and/or fintech space preferred.
• Strong technical knowledge of risk management, compliance requirements, auditing standards, and accounting principles.
• Excellent project management and time management skills, with the ability to adapt quickly to changing demands.
• Excellent verbal and written communication skills, with the ability to work effectively across all organizational levels.

Kindly apply through ANY of the following methods:

• Submit your application by clicking the APPLY button;
• Email your resume to Job(at)anradus.com.sg. Please indicate #65909 on the email subject.

Anradus Application Policy: We value each application and ensure every resume is reviewed. Our process is efficient, typically concluding within 3 working days. If you do not receive communication from us within this timeframe, it's likely that your application has not been shortlisted by our client. In such cases, we recommend continuing your job search to maximize your opportunities.

Anradus Pte Ltd | EA License No. 20C0161 | Angel Lim | EA Reg No.: R1769781

The Department of Finance

The Department of Finance at Durham University seeks to appoint a talented individual to the role of Assistant Professor. We welcome applications from those with research and teaching interests in the broad field of Finance.

This post offers an exciting opportunity to make a major contribution to the development of internationally excellent research and teaching while allowing you unrivalled opportunities to progress and embed your career in an exciting and progressive institution.

Our department is part of the triple-accredited Business School, home to academics whose research is internationally renowned for intellectual rigour and for the benefits it brings to society. You will be working with colleagues in our research centres of excellence specialised in areas such as Banking, Institutions and Development, Ethical Finance, Accountability and Governance, Quantitative Research in Finance and Economics, or Environmental and Energy Economics and have the opportunity to teach and supervise our excellent undergraduate and postgraduate students and doctoral researchers. We work closely with business partners around the world, sharing insights, supporting innovation, and educating tomorrow's leaders. More details about our research, teaching, and business connections can be found on our website;

How to Apply

We prefer to receive applications online.   

Please note that in submitting your application, we will be processing your data. We would ask you to consider the relevant University Privacy Statement which provides information on the collation, storing and use of data.

What to Submit

All applicants are asked to submit:

• A CV
• A covering letter which details your experience, strengths and potential in the requirements set out above
• An EDI & values statement (of no more than 500 words) which outlines work which you have been involved in which demonstrates your commitment to EDI and our values. I.e. Involvement in equality, diversity, and inclusion activities such as mentoring, volunteering, or attending conferences.
  
  
• Two of your most significant pieces of written work. Where possible your written work should have been published or submitted since 2014
• Teaching scores or feedback is desirable

Proud member of the Disability Confident employer scheme

Job Description:

• Grow existing portfolio by identifying new, and/or existing opportunities and participate in cross selling across Miller
• Develop and maintain a portfolio of prospects including research, initiation of contact and new business presentations in order to obtain new business
• Provide technical, industry and subject matter expertise to support, service and advise clients
• Determine appropriate solutions, structure, price and placement strategies that meet the clients’ needs and deliver profitable business for a range of clients
• Assist in setting budgets for portfolio of accounts and fulfilling agreed budgets
• Ensure all relevant information is gathered in the preparation of annual renewals and endorsements on key accounts
• Understand the clients’ business and risk management needs and look for solutions to deliver those needs through the provision of ongoing service
• Work closely and maintain relationships with key market and client contacts
• Liaise with others to ensure compliant processing of contracts as per MAS and contract certainty requirements
• Check policies, market presentations and client documentation
• Broke, or liaise with placing brokers to achieve agreement of markets where required and maintain diary / pending system to monitor progress
• Creation of presentations for both new and existing clients
• Maintain accurate and concise placing files, using corporate document management system
• Perform quality control checks on all documentation
• Overall responsibility for compliance procedures for total individual client base
• Adhere to and meet fully the expectations of Miller, as set out in its policies and procedures, training material, and embedded in its systems and controls. Our policies and procedures are written to encapsulate the compliance, legal and financial crime related legislation and regulations which apply to Miller
• Comply with any external rules and requirements imposed on individuals performing their role at Miller, such as MAS rules
• Promote Miller brand and values to enhance Miller’s reputation in the market

Requirements:

• Proficiency in Indonesian Bahasa is essential for effective communication with clients and stakeholders.
• Significant knowledge of the Indonesian insurance market and connections with clients.
• 10 years or more experience in the insurance industry and knowledge of wide ranging commercial lines insurance products.
• Minimum ACII qualification desirable.

Responsibilities:

• Identify potential customers and conduct marketing calls to develop new customers for activating corporate banking and trade finance business.
• Maintain good relationship and management of not only new corporate customers but also assigned customers by CIB Head.
• Evaluate and prepare credit proposals and reviews including the analysis of customer’s business and financial status including financial spreadsheet.
• Draft legal documents for standard type of bilateral credit facilities including working capital loan facility, trade finance facility including LC & TR loan, letter of guarantee facilities. Negotiate with and liaise between customer and internal legal counsel regarding legal issues & facility documentation.
• Monitor credit facilities and credit processing system, exposures and revenue per customer all along.
• Recommend necessary actions to safeguard the Bank’s position including performing KYC requirements for each account.

Requirements:

• Relevant degree with at least 10 years experience in corporate relationship management
• Deep knowledge & experience in corporate banking & trade finance products, legal documentary structures of such products, UCP600, URDG758, credit analysis capability and composition of KYC documents.

Please state your availability, current and expected salary in the resume.

We regret that only shortlisted candidates will be notified.

GMP Technologies (S) Pte Ltd | EA Licence: 11C3793 | Eddie Tang | Registration No: R1221129

As our Accounting and Finance Manager, you will be at the heart of core financial, accounting, and operational “engine”, working closely with the General Partners to drive the firm’s success. This position requires a detail-oriented and proactive individual who can manage complex financial and operational tasks as well as multiple stakeholders. This role is more than just numbers – it is about elevating how we operates as an investment firm and driving our mission forward. Specifically, you will:

Lead accounting and financial strategy and operations (40%)

• Take ownership of our day-to-day financial and accounting operations, including payroll, invoicing, capital activities, and other transactions, ensuring compliance with our mission and policies
• Shape the firm’s financials and guide key business decisions by preparing and monitoring the firm’s budget, financial statements, and forecasts
• Partner with our service providers to ensure seamless annual audits, tax filings, and other essential activities

Drive data processes and reporting (30%)

• Work closely with our portfolio companies and internal teams to gather and analyze portfolio’s financial and operational data to drive our portfolio support strategies
• Prepare and deliver financial statements and other reports for our investors and other stakeholders, providing critical insights on the firm’s activities and the impact of our investments

Champion compliance and risk management (20%)

• Lead our compliance efforts, ensuring we meet investor commitments and adhere to internal policies and relevant regulations
• Establish and implement effective policies and processes related to compliance and risk management (e.g. business continuity, cybersecurity and data protection, etc.)

Support key operations (10%)

• Play a key role in sourcing and evaluating vendors and suppliers, ensuring our
• partners with the best in the industry
• Support other ad-hoc operational activities to contribute to the firm’s ongoing development

Must-haves

• 5+ years of work experience in accounting and audit, with experience as an Accounting or Finance Manager/Assistant Manager
• Strong knowledge of Vietnamese accounting standards and tax regulations and procedures
• Experience in preparing financial statements, budgets, forecasts, and external reports
• Strong communication skills with advanced English proficiency (both written and verbal)
• Excellent organizational and project management skills with the ability to manage competing priorities and multiple stakeholders
• Exceptional attention to detail and a commitment to craftsmanship in all tasks and documentation
• Passion for technology and innovation

It is a plus if you have

• Experience in the venture capital or private equity industry, especially as a fund administrator or fund controller
• Knowledge of US GAAP and U.S. tax obligations
• Familiarity with investor reporting and investor relations

【会社概要】

当社は設立10期目のITベンチャー企業としてITの自社プラットフォームを保有し、ゲームコンテンツを主軸に世界100ヶ国以上にサービス展開中です。 ビビッドアーミー、クイーンズブレイド等を始めとした現在運営中のゲームタイトルは15本！新規リリース予定のゲームタイトルは20本以上控えており、 事業の更なる拡大を見込んでおります。 2023年5月現在、社員数は230名を超え、組織も更に強固にしていく予定です。

目指すは世界No.1のITプラットフォーム企業として現在新規IPO準備を進めております。

本ポジションでは、上場準備、上場後を見据えてシニアファイナンシャルアナリストとしてお任せし

プロフェッショナルにご活躍いただける方を探しております。

【職務概要】

・一般会計、月次、年次決算（JGAAP）、固定資産、退職給付会計、及びその他財務経理部のプロセスを担当

・法令および規則に関連するコンプライアンスの遵守。財務データの正確性・完全性の確保

・ビジネス部門における諸手続きが財務方針・手順に合致していることの担保

・社内/社外監査、外部委託先のコーディネイト

・複数部門にまたがるプロジェクトへの関与

【必須要件】

・２年以上の経理・財務業務経験（経理基幹システム管理、予算管理、財務報告、財務資料分析、監査、税務および経理上のアドバイス業務等）、または２年以上の大手会計事務所での経験

・部門横断的な仕事、プロジェクト（含むシステム開発）の経験

・ビジネスレベルの英語力

【必須資格】

・ビジネス英語経験

【尚可要件】

・IT業界での経験

・Excel、スプレッドシート、関数使用の経験

■福利厚生

・各種社会保険完備（健康保険、厚生年金保険、雇用保険、労災保険）

・家賃補助（六本木1丁目駅,神谷町駅より2駅以内＝3万円／月）

・通勤手当（交通費上限 3万円／月）

・勤続手当（3年勤務後、3万円／5年勤務後、5万円／月の支給）

・自動販売機／コーヒーサービス（We Proudly Serve Starbucks®）無料

（エナジードリンク、お茶、ジュース等幅広く用意しています）

・朝食（ケータリング有）／ランチ支給

・スイーツ（毎日17:00頃、鐘の音でアナウンスしています）

・カップフルーツ支給

■受動喫煙対策

屋内禁煙（ビル内喫煙所有）

Location: Novena

Jobscope:

1) Project Management: Developing project plans, including the scope, objectives, timelines, and resource requirements. Tracking project progress, identifying deviations from the plan, and preparing regular progress update for stakeholders.

2) Data Management and Reconciliation: Manage data cleaning and masking in the legacy systems, and facilitate the reconciliation of Finance records and data between legacy systems and the Cumulus system to ensure data integrity.

3) System Requirement Gathering: Collaborate with stakeholders to gather and document system requirements for the Cumulus Finance system, following the Cumulus global template and workbooks.

4) Data Pipeline Development: Work with the IT team to build a data pipeline between the legacy systems and Cumulus for seamless data transfer and integration.

5) User Testing: Participate in user testing activities to ensure the functionality and usability of the Cumulus system.

6) Change Management for Cumulus System: Support change management activities to ensure a smooth transition and adoption of the Cumulus system.

7) Assist in preparation of Finance SOPs: Set up frameworks, processes, templates and approving authorities for key finance functions, including accounts payable, accounts receivables (fees and charges), asset management, tax reporting and financial reporting (month-end and year-end), that are aligned with the Finance Government Instruction Manuals and Statutory Board Financial Reporting Standards

8) Any other requirement related to Cumulus project, or ad-hoc projects / responsibilities as assigned by Deputy Head, Finance Services and Financial Reporting and Lead, Budget.

TELE me at @yijingggggg or WA me at https://wa.me/+6598623556 NOW!
Interested candidates, please submit your resume to healthcare12@recruitexpress.com.sg

Alison Chen
Outsourcing Team
Recruit Express Pte Ltd (EA Licence No.: 99C4599)

Job Responsibilities

• Liaise and work closely with various stakeholders in performing cost calculation and pricing on existing and new services/ projects.
• Ensure Service master is updated and accurate for system go-live.
• Prepare, formulate, and rationalise price revision proposal to ensure organisation’s financial sustainability, while taking into consideration patient bill impact.
• Work with IT vendor to maintain efficient SharePoint workflow as part of continuous process improvement, including the identification and resolution of issues.
• Monitor and report SharePoint workflow turnaround time.
• Ensure accurate and timely update of data files for internal management reporting.
• Support annual cost refresh/ updates on services.
• Provide Business partnering support to Business Units within a growing regional healthcare system.
• Any other ad-hoc duties.

Requirements

• Bachelors in Business Analytics
• Keen in Healthcare Industry

TELE me at @yijingggggg or WA me at https://wa.me/+6598623556 NOW!
Interested candidates, please submit your resume to healthcare12@recruitexpress.com.sg

Alison Chen
Outsourcing Team
Recruit Express Pte Ltd (EA Licence No.: 99C4599)

Job Description

• Industry/ Organization Type: Accounting Firm (Global)
• Position Title: Audit Manager (Banking/Insurance)
• Working Location: Central
• Working Hours: 5 days, Monday – Friday (8:45 AM – 5:30 PM)
• Salary Package: Basic up to $ 8,500 + Twice Yearly Performance Bonus
• Duration: Permanent

Key Responsibilities

• Supervise the execution of audit engagements for financial services clients, with a focus on banking and capital markets, in compliance with relevant regulatory and professional standards.
• Ensure the timely and accurate completion of audit portfolios, managing budgets, resourcing strategies, billing, and collections.
• Oversee the management of audit portfolios, including monitoring progress against plans, timelines, and milestones.
• Drive the client experience by managing client relationships and accounts effectively.
• Build and manage a professional audit team, providing regular coaching and feedback for continuous performance enhancement.
• Engage the team to deliver value-added services to clients.
• Maintain a working knowledge of accounting literature, trends, and technical issues relevant to the financial services industry.
• Stay informed about industry trends to identify potential issues, risks, and best practices.

APPLY NOW!!!

• Bachelor’s Degree in Accountancy, preferably with a professional qualification in CA (Singapore) or equivalent.
• Minimum 5 years of audit experience.
• Experience in auditing clients in banking and capital markets, payments, and/or fintech space preferred.
• Strong technical knowledge of risk management, compliance requirements, auditing standards, and accounting principles.
• Excellent project management and time management skills, with the ability to adapt quickly to changing demands.
• Excellent verbal and written communication skills, with the ability to work effectively across all organizational levels.

Kindly apply through ANY of the following methods:

• Submit your application by clicking the APPLY button;
• Email your resume to Job(at)anradus.com.sg. Please indicate #65909 on the email subject.

Anradus Application Policy: We value each application and ensure every resume is reviewed. Our process is efficient, typically concluding within 3 working days. If you do not receive communication from us within this timeframe, it's likely that your application has not been shortlisted by our client. In such cases, we recommend continuing your job search to maximize your opportunities.

Anradus Pte Ltd | EA License No. 20C0161 | Angel Lim | EA Reg No.: R1769781

• Perform account servicing tasks and assist clients with insurance placement and guidance.
• Work with customers to determine their insurance requirements and provide them with appropriate advice.
• Get the customer to provide pertinent underwriting information for submission to underwriters
• Examine the costs, conditions, and terms of the insurance quotes, and provide clients with appropriate advice.
• Keep track of customer accounts, make sure any unpaid bills are collected and when necessary, renew clients' expiring policies and obtain the training and certifications essential to perform your work obligations.

Requirements:

• Preferably Bachelor’s degree and with certifications in BCP, PGI, ComGI or similar insurance certificates.
• Relevant work experience in Financial or Insurance products
• Motivated and a team player
• Immediate starter is preferred

Interested applicants for the above advertised position(s), please kindly email an updated copy of your resume to: gs1@talenttradersg.com

EA License No.: 13C6305

Reg. No.: R23117344

For candidate who applied for the advertised position is deemed to have consented to us that we may collect, use or disclose your personal information for purpose in connection with the services provided by us.

Location: Novena

Jobscope:

1) Project Management: Developing project plans, including the scope, objectives, timelines, and resource requirements. Tracking project progress, identifying deviations from the plan, and preparing regular progress update for stakeholders.

2) Data Management and Reconciliation: Manage data cleaning and masking in the legacy systems, and facilitate the reconciliation of Finance records and data between legacy systems and the Cumulus system to ensure data integrity.

3) System Requirement Gathering: Collaborate with stakeholders to gather and document system requirements for the Cumulus Finance system, following the Cumulus global template and workbooks.

4) Data Pipeline Development: Work with the IT team in CDA to build a data pipeline between the legacy systems and Cumulus for seamless data transfer and integration.

5) User Testing: Participate in user testing activities to ensure the functionality and usability of the Cumulus system.

6) Change Management for Cumulus System: Support change management activities to ensure a smooth transition and adoption of the Cumulus system.

7) Assist in preparation of Finance SOPs: Set up frameworks, processes, templates and approving authorities for key finance functions, including accounts payable, accounts receivables (fees and charges), asset management, tax reporting and financial reporting (month-end and year-end), that are aligned with the Finance Government Instruction Manuals and Statutory Board Financial Reporting Standards

8) Any other requirement related to Cumulus project, or ad-hoc projects / responsibilities as assigned by Deputy Head, Finance Services and Financial Reporting and Lead, Budget.

TELE me at @yijingggggg or WA me at https://wa.me/+6598623556 NOW!
Interested candidates, please submit your resume to healthcare12@recruitexpress.com.sg

Alison Chen
Outsourcing Team
Recruit Express Pte Ltd (EA Licence No.: 99C4599)