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Customer Solutions Officer at Citi
Taguig, Metro Manila, Philippines - Full Time
Skills Needed
Compliance Procedures, Control Systems, Research, Client Experience, Sales Support, Report Preparation, Communication Skills, Bpo Experience, English Proficiency, Problem Solving, Team Interaction, Client Necessities, Shifting Schedule, Adaptability, Customer Service, Management Reporting
Specialization
Candidates must be at least a High School Graduate with a minimum of 6 months BPO international voice experience. Fresh graduates with a Bachelor's degree are also welcome to apply.
Fraud Operations Senior Manager at Citi
San Antonio, Texas, United States - Full Time
Skills Needed
Bank Fraud, Banking, Coaching, Customer Experience, Escalation Management, Fraud Analysis, Gap Analysis, Mentorship, Operations Management, Process Improvements, Professional Development, Regulatory Compliance, Risk Management
Specialization
Candidates should have 6-10 years of experience in a related role with a basic knowledge of the industry. A bachelor's degree is required, and a master's degree is preferred.
Experience Required
Minimum 5 year(s)
Senior Executive Assistant at Citi
New York, New York, United States - Full Time
Skills Needed
Office Administration, Calendar Management, Meeting Coordination, Travel Arrangements, Expense Reporting, Microsoft Office, Written Communication, Verbal Communication, Detail Oriented, Self Motivated, Presentation Creation, Spreadsheet Management, Invoice Processing, Training, Coaching, Project Assistance
Specialization
Candidates should have previous office administration experience, preferably in a large financial services organization. A bachelor's degree or equivalent experience is required, along with proficiency in Microsoft Office and strong communication skills.
Experience Required
Minimum 5 year(s)
Senior Executive Assistant at Citi
New York, New York, United States - Full Time
Skills Needed
Office Administration, Calendar Management, Meeting Coordination, Travel Arrangements, Expense Reporting, Microsoft Office, Written Communication, Verbal Communication, Detail Oriented, Self Motivated, Presentation Creation, Spreadsheet Management, Document Modification, Training, Coaching, Project Assistance
Specialization
Candidates should have previous office administration experience, preferably in a large financial services organization. A Bachelor's degree or equivalent experience is required, along with proficiency in Microsoft Office.
Experience Required
Minimum 5 year(s)
Regulatory Risk Data Assessment Sr Lead Analyst at Citi
New York, New York, United States - Full Time
Skills Needed
Data Governance, Data Management, Process Engineering, Risk Management, Bcbs 239, Communication, Stakeholder Management, Negotiation, Continuous Improvement, Data Quality, Internal Controls, Management Reporting, Policy And Procedure, Program Management, Data Compliance, Organizational Savvy
Specialization
Candidates should have 10+ years of experience in the Banking or Finance industry, particularly in Data Governance or Data Management. A Bachelor's degree is required, with a Master's degree preferred.
Experience Required
Minimum 10 year(s)
Financial Reporting Intermediate Analyst at Citi
Budapest, Central Hungary, Hungary - Full Time
Skills Needed
Financial Reporting, Regulatory Reporting, Problem Solving, Communication Skills, Ms Excel, Detail Oriented, Process Improvement, Liaison Skills, Decision Making, Finance, Accounting, Internal Controls, Policy Compliance, Business Acumen, Constructive Debate
Specialization
Candidates should possess a university or college degree in finance or accounting and have at least 3 years of experience in financial or regulatory reporting. Advanced MS Excel skills and a self-motivated, detail-oriented approach are essential.
Experience Required
Minimum 2 year(s)
Managers Control Self-Assessment (MCA) Intermediate Analyst - C11 - BOGOTA at Citi
Bogota, Capital District, RAP (Especial) Central, Colombia - Full Time
Skills Needed
Analytical Thinking, Assessment, Business Insights, Communication, Constructive Debate, Controls Lifecycle, Controls Management, Data Quality Management, Risk Management, Stakeholder Management
Specialization
A minimum of 2-5 years of experience in operational risk management, compliance, or audit is required. Candidates should possess good analytical skills, knowledge of compliance laws, and proficiency in Microsoft Office, particularly Excel.
Experience Required
Minimum 2 year(s)
Data Governance - Lead at Citi
Irving, Texas, United States - Full Time
Skills Needed
Data Governance, Data Quality, Data Risk Taxonomy, Aml Compliance, Kyc Compliance, Data Integration, Data Transformation, Data Mapping, Metadata Standardization, Data Lineage, Data Control Frameworks, Applications Programming, Project Management, Communication Skills, System Analysis, Software Development
Specialization
Hands-on experience in Enterprise Data Governance and data integration is required, along with extensive experience in system analysis and programming. The candidate should also be a Subject Matter Expert in Applications Development and demonstrate strong communication skills.
Experience Required
Minimum 5 year(s)
Officer, KYC Due Diligence Analyst 1 at Citi
Kuala Lumpur, Kuala Lumpur, Malaysia - Full Time
Skills Needed
Business Acumen, Credible Challenge, Laws And Regulations, Management Reporting, Policy And Procedure, Program Management, Referral And Escalation, Risk Controls And Monitors, Risk Identification And Assessment, Risk Remediation
Specialization
A bachelor's degree or equivalent experience is preferred, along with relevant experience in KYC due diligence. Key skills include business acumen and knowledge of laws and regulations.
Underwriter Manager (SVP) at Citi
Mumbai, maharashtra, India - Full Time
Skills Needed
Underwriting, Credit Risk Management, Financial Analysis, Portfolio Management, Team Leadership, Communication, Negotiation, Modeling Techniques, Capital Markets, Regulatory Compliance, Analytical Thinking, Performance Reviews, Training, Relationship Building, Decision Making, Time Management
Specialization
Candidates must have a minimum of 10 years of experience in credit-related roles and a strong understanding of capital markets products. A bachelor's degree or higher in a related field is required, along with excellent communication and analytical skills.
Experience Required
Minimum 10 year(s)
Managers Control Self-Assessment (MCA) Lead Analyst - C13 - GETZVILLE at Citi
Getzville, New York, United States - Full Time
Skills Needed
Analytical Thinking, Assessment, Business Insights, Communication, Constructive Debate, Controls Lifecycle, Controls Management, Data Quality Management, Risk Management, Stakeholder Management, Credible Challenge, Data Analysis, Laws And Regulations, Management Reporting, Policy And Procedure, Risk Identification And Assessment
Specialization
A minimum of 6-10 years of experience in operational risk management or related functions is required. Strong analytical and communication skills are essential, along with proficiency in Microsoft Office tools.
Experience Required
Minimum 10 year(s)
DNS & Load Balancing Network Operations SME - Vice President at Citi
Tampa, Florida, United States - Full Time
Skills Needed
Dns, Dhcp, Ip Address Management, Load Balancing, Sre Practices, Automation, Network Protocols, Cisco, Arista, Packet Capture, Troubleshooting, Cloud Based Solutions, Kubernetes, Docker, Itil, Mentorship
Specialization
Candidates should have a strong knowledge of DNS, DHCP, and IP Address Management protocols, along with hands-on experience with DDI tools and Load Balancers in enterprise environments. A bachelor's degree in Computer Science or a related field and 7+ years of experience in network operations are required.
Experience Required
Minimum 5 year(s)
Quality Assurance, Monitoring & Testing Analyst 1 - Officer at Citi
Pune, maharashtra, India - Full Time
Skills Needed
Analytical Thinking, Assurance Strategy, Communication, Constructive Debate, Controls Assessment, Controls Lifecycle, Policy And Procedure, Risk Remediation, Stakeholder Management
Specialization
Minimum of 0-2 years of relevant experience is required, along with a good understanding of compliance laws, regulations, and best practices. Candidates should possess good analytical skills, communication skills, and proficiency in Microsoft Office suite.
Managers Control Self-Assessment (MCA) Senior Analyst at Citi
Getzville, New York, United States - Full Time
Skills Needed
Analytical Thinking, Assessment, Business Insights, Communication, Constructive Debate, Controls Lifecycle, Controls Management, Data Quality Management, Risk Management, Stakeholder Management
Specialization
A minimum of 5-8 years of experience in operational risk management, compliance, audit, or other control-related functions in the financial services industry is required. Strong analytical skills and knowledge of compliance laws, rules, and regulations are essential.
Experience Required
Minimum 5 year(s)
IT Infrastructure Site Support Manager, AVP at Citi
San Antonio, Texas, United States - Full Time
Skills Needed
Windows 11, Macos, Vdi/Horizon, Active Directory, Pc/Desktop Hardware, A/V Conferencing Systems, Ip Telephony, Cctv, Cisco Routers/Switches, Structured Cabling, Troubleshooting, System Administration, Network Protocols, Analytical Skills, Problem Solving, Communication Skills
Specialization
5+ years of experience in Infrastructure Technologies and large-scale enterprise systems support is required. A Bachelor's degree is preferred, along with certifications in Cisco and/or Windows.
Experience Required
Minimum 5 year(s)
Data Analyst / ML Engineer at Citi
Pune, maharashtra, India - Full Time
Skills Needed
Machine Learning, Generative Ai, Nlp, Deep Learning, Python, Mathematics, Docker, Postgres, Vector Dbs, Problem Solving, Collaboration, Ai Research, Object Oriented Design, Hugging Face Transformers, Scikit Learn, Tensorflow, Pytorch
Specialization
Candidates should have 5-8 years of relevant experience with strong hands-on expertise in Machine Learning and Generative AI technologies. A Bachelor's or Master's degree in a related field is required.
Experience Required
Minimum 5 year(s)
Data Integration Sr Analyst at Citi
Heredia, , Costa Rica - Full Time
Skills Needed
Data Governance, Data Management, Data Quality, Change Management, Risk Management, Program Management, It Implementation, Emerging Tools, Stakeholder Management, Project Management, Data Analysis, Business Requirements, Process Improvement, Communication, Problem Solving, Data Concepts
Specialization
Candidates should have 6-10 years of relevant experience in Banking or Finance and a comprehensive understanding of data concepts. A Bachelor's degree is required, with a Master's degree preferred.
Experience Required
Minimum 5 year(s)
MD Senior Portfolio Advisor, Asia at Citi
, Hong Kong, China - Full Time
Skills Needed
Investment Strategies, Strategic Thinking, Process Oriented Execution, Attention To Detail, Multi Asset Class Portfolio Construction, Industry Knowledge, Communication Skills, Interpersonal Skills, Collaboration, Business Development, Product Development, Investment Process, Cross Business Opportunities, Chinese Language Proficiency, English Language Proficiency
Specialization
15+ years of experience in developing and implementing investment strategies across Asia is required. A Bachelor's Degree is required, with a Master's Degree preferred, along with excellent communication skills in English and Chinese.
Experience Required
Minimum 10 year(s)
Head Teller Norwalk Branch at Citi
Norwalk, Connecticut, United States - Full Time
Skills Needed
Leadership Skills, Customer Service, Money Handling, Problem Solving, Communication Skills, Teamwork
Specialization
Candidates should have at least 1 year of relevant experience and demonstrated sales and customer service skills. A high school diploma or equivalent is required.
Public Cloud Services – Storage - Engineer – Assistant Vice President at Citi
Irving, Texas, United States - Full Time
Skills Needed
Cloud Infrastructure, Automation, Infrastructure As Code, Terraform, Aws, Gcp, Container Orchestration, Gke, Eks, Python, Troubleshooting, Ci/Cd, Automated Testing, Knowledge Sharing, Collaboration, Learning
Specialization
Candidates should have 5+ years of experience with AWS or GCP and practical experience with Infrastructure as Code tools like Terraform. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 5 year(s)
Customer Solutions Officer at Citi
Taguig, Metro Manila, Philippines -
Full Time

Start Date

Immediate

Expiry Date

03 Mar, 26

Salary

0.0

Posted On

03 Dec, 25

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Compliance Procedures, Control Systems, Research, Client Experience, Sales Support, Report Preparation, Communication Skills, BPO Experience, English Proficiency, Problem Solving, Team Interaction, Client Necessities, Shifting Schedule, Adaptability, Customer Service, Management Reporting

Industry

Financial Services

Description
Assist with the administration of compliance procedures and control systems for the business review department, including monitoring, researching and responding to compliance related inquiries across all product lines Ensure accuracy of research and compliance advice provided to members of sales force team Develop information regarding required changes in reports and procedures Assist with the preparation of written and verbal reports for senior management on compliance program status, issues, trends and concerns Support sales force and management by implementing recommendations concerning changes, improvements and enhancements Apply knowledge of how the team interacts with others in order to accomplish Customer Service goals Fulfilling the clients' necessities while providing an exceptional client experience is the expected behavior from all our employees and it will be measured by specific metrics. International BPO voice experience is preferred. Must be at least a High School Graduate/Senior Highschool Graduate with a minimum of 6 months BPO international voice experience. Fresh graduates with Bachelors degree are welcome to apply. Conversant in English and comfortable speaking with other nationalities Amenable working on shifting schedule, holidays & weekends (fixed 5-day work week) Amenable to working in Bonifacio Global City, Taguig Applicants should be eligible to legally work in the Philippines ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------
Responsibilities
Assist with compliance procedures and control systems for the business review department. Support the sales force and management by implementing recommendations for changes and improvements.
Customer Solutions Officer at Citi
Taguig, Metro Manila, Philippines - Full Time
Skills Needed
Compliance Procedures, Control Systems, Research, Client Experience, Sales Support, Report Preparation, Communication Skills, Bpo Experience, English Proficiency, Problem Solving, Team Interaction, Client Necessities, Shifting Schedule, Adaptability, Customer Service, Management Reporting
Specialization
Candidates must be at least a High School Graduate with a minimum of 6 months BPO international voice experience. Fresh graduates with a Bachelor's degree are also welcome to apply.
Fraud Operations Senior Manager at Citi
San Antonio, Texas, United States - Full Time
Skills Needed
Bank Fraud, Banking, Coaching, Customer Experience, Escalation Management, Fraud Analysis, Gap Analysis, Mentorship, Operations Management, Process Improvements, Professional Development, Regulatory Compliance, Risk Management
Specialization
Candidates should have 6-10 years of experience in a related role with a basic knowledge of the industry. A bachelor's degree is required, and a master's degree is preferred.
Experience Required
Minimum 5 year(s)
Senior Executive Assistant at Citi
New York, New York, United States - Full Time
Skills Needed
Office Administration, Calendar Management, Meeting Coordination, Travel Arrangements, Expense Reporting, Microsoft Office, Written Communication, Verbal Communication, Detail Oriented, Self Motivated, Presentation Creation, Spreadsheet Management, Invoice Processing, Training, Coaching, Project Assistance
Specialization
Candidates should have previous office administration experience, preferably in a large financial services organization. A bachelor's degree or equivalent experience is required, along with proficiency in Microsoft Office and strong communication skills.
Experience Required
Minimum 5 year(s)
Senior Executive Assistant at Citi
New York, New York, United States - Full Time
Skills Needed
Office Administration, Calendar Management, Meeting Coordination, Travel Arrangements, Expense Reporting, Microsoft Office, Written Communication, Verbal Communication, Detail Oriented, Self Motivated, Presentation Creation, Spreadsheet Management, Document Modification, Training, Coaching, Project Assistance
Specialization
Candidates should have previous office administration experience, preferably in a large financial services organization. A Bachelor's degree or equivalent experience is required, along with proficiency in Microsoft Office.
Experience Required
Minimum 5 year(s)
Regulatory Risk Data Assessment Sr Lead Analyst at Citi
New York, New York, United States - Full Time
Skills Needed
Data Governance, Data Management, Process Engineering, Risk Management, Bcbs 239, Communication, Stakeholder Management, Negotiation, Continuous Improvement, Data Quality, Internal Controls, Management Reporting, Policy And Procedure, Program Management, Data Compliance, Organizational Savvy
Specialization
Candidates should have 10+ years of experience in the Banking or Finance industry, particularly in Data Governance or Data Management. A Bachelor's degree is required, with a Master's degree preferred.
Experience Required
Minimum 10 year(s)
Financial Reporting Intermediate Analyst at Citi
Budapest, Central Hungary, Hungary - Full Time
Skills Needed
Financial Reporting, Regulatory Reporting, Problem Solving, Communication Skills, Ms Excel, Detail Oriented, Process Improvement, Liaison Skills, Decision Making, Finance, Accounting, Internal Controls, Policy Compliance, Business Acumen, Constructive Debate
Specialization
Candidates should possess a university or college degree in finance or accounting and have at least 3 years of experience in financial or regulatory reporting. Advanced MS Excel skills and a self-motivated, detail-oriented approach are essential.
Experience Required
Minimum 2 year(s)
Managers Control Self-Assessment (MCA) Intermediate Analyst - C11 - BOGOTA at Citi
Bogota, Capital District, RAP (Especial) Central, Colombia - Full Time
Skills Needed
Analytical Thinking, Assessment, Business Insights, Communication, Constructive Debate, Controls Lifecycle, Controls Management, Data Quality Management, Risk Management, Stakeholder Management
Specialization
A minimum of 2-5 years of experience in operational risk management, compliance, or audit is required. Candidates should possess good analytical skills, knowledge of compliance laws, and proficiency in Microsoft Office, particularly Excel.
Experience Required
Minimum 2 year(s)
Data Governance - Lead at Citi
Irving, Texas, United States - Full Time
Skills Needed
Data Governance, Data Quality, Data Risk Taxonomy, Aml Compliance, Kyc Compliance, Data Integration, Data Transformation, Data Mapping, Metadata Standardization, Data Lineage, Data Control Frameworks, Applications Programming, Project Management, Communication Skills, System Analysis, Software Development
Specialization
Hands-on experience in Enterprise Data Governance and data integration is required, along with extensive experience in system analysis and programming. The candidate should also be a Subject Matter Expert in Applications Development and demonstrate strong communication skills.
Experience Required
Minimum 5 year(s)
Officer, KYC Due Diligence Analyst 1 at Citi
Kuala Lumpur, Kuala Lumpur, Malaysia - Full Time
Skills Needed
Business Acumen, Credible Challenge, Laws And Regulations, Management Reporting, Policy And Procedure, Program Management, Referral And Escalation, Risk Controls And Monitors, Risk Identification And Assessment, Risk Remediation
Specialization
A bachelor's degree or equivalent experience is preferred, along with relevant experience in KYC due diligence. Key skills include business acumen and knowledge of laws and regulations.
Underwriter Manager (SVP) at Citi
Mumbai, maharashtra, India - Full Time
Skills Needed
Underwriting, Credit Risk Management, Financial Analysis, Portfolio Management, Team Leadership, Communication, Negotiation, Modeling Techniques, Capital Markets, Regulatory Compliance, Analytical Thinking, Performance Reviews, Training, Relationship Building, Decision Making, Time Management
Specialization
Candidates must have a minimum of 10 years of experience in credit-related roles and a strong understanding of capital markets products. A bachelor's degree or higher in a related field is required, along with excellent communication and analytical skills.
Experience Required
Minimum 10 year(s)
Managers Control Self-Assessment (MCA) Lead Analyst - C13 - GETZVILLE at Citi
Getzville, New York, United States - Full Time
Skills Needed
Analytical Thinking, Assessment, Business Insights, Communication, Constructive Debate, Controls Lifecycle, Controls Management, Data Quality Management, Risk Management, Stakeholder Management, Credible Challenge, Data Analysis, Laws And Regulations, Management Reporting, Policy And Procedure, Risk Identification And Assessment
Specialization
A minimum of 6-10 years of experience in operational risk management or related functions is required. Strong analytical and communication skills are essential, along with proficiency in Microsoft Office tools.
Experience Required
Minimum 10 year(s)
DNS & Load Balancing Network Operations SME - Vice President at Citi
Tampa, Florida, United States - Full Time
Skills Needed
Dns, Dhcp, Ip Address Management, Load Balancing, Sre Practices, Automation, Network Protocols, Cisco, Arista, Packet Capture, Troubleshooting, Cloud Based Solutions, Kubernetes, Docker, Itil, Mentorship
Specialization
Candidates should have a strong knowledge of DNS, DHCP, and IP Address Management protocols, along with hands-on experience with DDI tools and Load Balancers in enterprise environments. A bachelor's degree in Computer Science or a related field and 7+ years of experience in network operations are required.
Experience Required
Minimum 5 year(s)
Quality Assurance, Monitoring & Testing Analyst 1 - Officer at Citi
Pune, maharashtra, India - Full Time
Skills Needed
Analytical Thinking, Assurance Strategy, Communication, Constructive Debate, Controls Assessment, Controls Lifecycle, Policy And Procedure, Risk Remediation, Stakeholder Management
Specialization
Minimum of 0-2 years of relevant experience is required, along with a good understanding of compliance laws, regulations, and best practices. Candidates should possess good analytical skills, communication skills, and proficiency in Microsoft Office suite.
Managers Control Self-Assessment (MCA) Senior Analyst at Citi
Getzville, New York, United States - Full Time
Skills Needed
Analytical Thinking, Assessment, Business Insights, Communication, Constructive Debate, Controls Lifecycle, Controls Management, Data Quality Management, Risk Management, Stakeholder Management
Specialization
A minimum of 5-8 years of experience in operational risk management, compliance, audit, or other control-related functions in the financial services industry is required. Strong analytical skills and knowledge of compliance laws, rules, and regulations are essential.
Experience Required
Minimum 5 year(s)
IT Infrastructure Site Support Manager, AVP at Citi
San Antonio, Texas, United States - Full Time
Skills Needed
Windows 11, Macos, Vdi/Horizon, Active Directory, Pc/Desktop Hardware, A/V Conferencing Systems, Ip Telephony, Cctv, Cisco Routers/Switches, Structured Cabling, Troubleshooting, System Administration, Network Protocols, Analytical Skills, Problem Solving, Communication Skills
Specialization
5+ years of experience in Infrastructure Technologies and large-scale enterprise systems support is required. A Bachelor's degree is preferred, along with certifications in Cisco and/or Windows.
Experience Required
Minimum 5 year(s)
Data Analyst / ML Engineer at Citi
Pune, maharashtra, India - Full Time
Skills Needed
Machine Learning, Generative Ai, Nlp, Deep Learning, Python, Mathematics, Docker, Postgres, Vector Dbs, Problem Solving, Collaboration, Ai Research, Object Oriented Design, Hugging Face Transformers, Scikit Learn, Tensorflow, Pytorch
Specialization
Candidates should have 5-8 years of relevant experience with strong hands-on expertise in Machine Learning and Generative AI technologies. A Bachelor's or Master's degree in a related field is required.
Experience Required
Minimum 5 year(s)
Data Integration Sr Analyst at Citi
Heredia, , Costa Rica - Full Time
Skills Needed
Data Governance, Data Management, Data Quality, Change Management, Risk Management, Program Management, It Implementation, Emerging Tools, Stakeholder Management, Project Management, Data Analysis, Business Requirements, Process Improvement, Communication, Problem Solving, Data Concepts
Specialization
Candidates should have 6-10 years of relevant experience in Banking or Finance and a comprehensive understanding of data concepts. A Bachelor's degree is required, with a Master's degree preferred.
Experience Required
Minimum 5 year(s)
MD Senior Portfolio Advisor, Asia at Citi
, Hong Kong, China - Full Time
Skills Needed
Investment Strategies, Strategic Thinking, Process Oriented Execution, Attention To Detail, Multi Asset Class Portfolio Construction, Industry Knowledge, Communication Skills, Interpersonal Skills, Collaboration, Business Development, Product Development, Investment Process, Cross Business Opportunities, Chinese Language Proficiency, English Language Proficiency
Specialization
15+ years of experience in developing and implementing investment strategies across Asia is required. A Bachelor's Degree is required, with a Master's Degree preferred, along with excellent communication skills in English and Chinese.
Experience Required
Minimum 10 year(s)
Head Teller Norwalk Branch at Citi
Norwalk, Connecticut, United States - Full Time
Skills Needed
Leadership Skills, Customer Service, Money Handling, Problem Solving, Communication Skills, Teamwork
Specialization
Candidates should have at least 1 year of relevant experience and demonstrated sales and customer service skills. A high school diploma or equivalent is required.
Public Cloud Services – Storage - Engineer – Assistant Vice President at Citi
Irving, Texas, United States - Full Time
Skills Needed
Cloud Infrastructure, Automation, Infrastructure As Code, Terraform, Aws, Gcp, Container Orchestration, Gke, Eks, Python, Troubleshooting, Ci/Cd, Automated Testing, Knowledge Sharing, Collaboration, Learning
Specialization
Candidates should have 5+ years of experience with AWS or GCP and practical experience with Infrastructure as Code tools like Terraform. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 5 year(s)