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Business Analytics, Analyst at Citi
Bengaluru, karnataka, India - Full Time
Skills Needed
Business Analytics, Data Analysis, Communication Skills, Process Improvement, Decision Making, Data Patterns, Strategic Opportunities, Operational Policies, Exploratory Data Analysis, Qualitative Analysis, Consumer Insights, Segmentation Strategies, Cross Functional Collaboration, Data Sources, Tools, Capabilities
Specialization
Candidates should have 3-5 years of relevant experience and possess good communication skills to work with cross-functional teams. A Bachelor's degree is required, with a Master's preferred.
Experience Required
Minimum 2 year(s)
Transaction Banking Salesperson, Treasury & Trade Solutions/Corporate Banki at Citi
Kuala Lumpur, Kuala Lumpur, Malaysia - Full Time
Skills Needed
Communication Skills, Diplomacy Skills, Sales Experience, Transaction Banking, Trade Products, Cash Products, Client Acquisition, Risk Mitigation, Portfolio Management, Sales Strategy, Client Satisfaction, Governance, Analytical Skills, Revenue Realization, Cross Selling, Quality Service Delivery
Specialization
Candidates should have 6-10 years of client-facing sales experience, particularly in Transaction Banking and understanding of trade and cash products. A bachelor's degree is required, with a master's preferred.
Experience Required
Minimum 5 year(s)
Java Microservices Tech Lead - Vice President at Citi
Tampa, Florida, United States - Full Time
Skills Needed
Java, Microservices, Spring Boot, Api Development, Cloud Platforms, Docker, Kubernetes, Kafka, Sql, Hibernate, Ci/Cd, Unit Testing, Oop, Data Structures, Algorithms, Authentication
Specialization
Minimum of 8 years of experience in large-scale enterprise application development using modern Java technologies is required. Strong understanding of OOP principles and extensive experience in designing integrated solutions are also necessary.
Experience Required
Minimum 10 year(s)
Apps Development Senior Manager(Java/J2EE/Microservices) - Vice President at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Java, J2ee, Microservices, Agile, Scrum, Cloud, Ui/Ux, Soa, Spring, Jenkins, Git, Jira, Oracle, Mongodb, Mysql, Big Data
Specialization
Requires 10-12 years of relevant experience in the Financial Services industry and experience as an Applications Development Manager. Proficiency in various technologies and methodologies is essential.
Experience Required
Minimum 10 year(s)
Client Onboard Rep at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Client Communication, Attention To Detail, Time Management, Team Spirit, Flexibility, Banking Knowledge, Process Improvement, Quality Assurance, Documentation Skills, Data Verification, System Maintenance, Customer Service, Regulatory Compliance, Training Participation, Project Involvement, Pc Skills, English Proficiency
Specialization
Candidates should have previous experience in financial services and knowledge of bank products related to account opening and maintenance. Strong communication skills in English and the ability to work under pressure are essential.
Citi Commercial Bank - Collateral Manager, Asset Based Lending at Citi
New York, New York, United States - Full Time
Skills Needed
Collateral Management, Data Analysis, Client Management, Risk Assessment, Financial Data Analysis, Collateral Tracking Platforms, Collaboration, Procedure Development, Data Integrity, Eligibility Criteria, Advance Rates, Performance Objectives, Ethical Standards, Sustainable Results, Teamwork, Problem Solving
Specialization
Candidates should have 10-15+ years of experience in ABL collateral management at a large bank or equivalent financial institution. Strong analytical skills and experience with collateral tracking platforms are also required.
Experience Required
Minimum 10 year(s)
Enterprise Solution Architect Vice President at Citi
New York, New York, United States - Full Time
Skills Needed
Solution Design, Technology Expertise, Compliance Initiatives, Architecture Evaluation, Integration Functions, System Enhancements, Problem Causality, Data Structures, Engineering Experience, Financial Services, Communication Skills, Design Metrics, Analytics Tools, Operational Process Improvement, Matrix Environment, Project Ownership
Specialization
Candidates should have 6+ years of relevant engineering experience, preferably in financial services. Strong communication skills and knowledge of design metrics and analytics tools are essential.
Experience Required
Minimum 5 year(s)
Big Data Tech Lead - Vice President at Citi
Tampa, Florida, United States - Full Time
Skills Needed
Big Data, Etl, Elt, Apache Spark, Hadoop, Kafka, Python, Scala, Sql, Oracle, Postgresql, Apache Airflow, Docker, Kubernetes, Hazelcast, Redis
Specialization
Candidates should have advanced knowledge in applications programming and experience with big data technologies. A bachelor's degree is required, with a master's degree preferred.
Experience Required
Minimum 10 year(s)
Data Analytics Analyst at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Data Analysis, Project Management, Analytical Thinking, Communication Skills, Statistical Modeling, Problem Solving, Attention To Detail, Judgment Interpretation, Risk Assessment, Scala, Python, Sql, Debugging, Big Data, Unix Scripting, Database Management
Specialization
Candidates should have 5-8 years of relevant experience and a bachelor's degree or equivalent. Proficiency in data analysis tools, statistical modeling, and strong communication skills are essential.
Experience Required
Minimum 5 year(s)
Data Center Service Delivery Infrastructure Technical Analyst at Citi
New York, New York, United States - Full Time
Skills Needed
Data Center Management, Infrastructure Support, Network Hardware Installation, Troubleshooting, Change Control, Media Management, Disaster Recovery, Compliance, Project Management, Communication Skills, Wan Technologies, Tcp/Ip Protocol, Problem Solving, Vendor Management, Housekeeping, Documentation
Specialization
Candidates should have over 3 years of experience in data center facilities and infrastructure, with a strong background in WAN technologies and troubleshooting techniques. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
Quality Assurance, Monitoring & Testing Sr. Analyst - C12 at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Analytical Thinking, Assurance Strategy, Communication, Constructive Debate, Controls Assessment, Controls Lifecycle, Policy And Procedure, Risk Remediation, Stakeholder Management
Specialization
Candidates should have 5-8 years of experience in operational risk management or related fields, with strong analytical and communication skills. A bachelor's degree or equivalent experience is required, along with proficiency in Microsoft Office.
Experience Required
Minimum 5 year(s)
Public Cloud Infrastructure Services - Java Developer - Assistant Vice Pres at Citi
Pune, maharashtra, India - Full Time
Skills Needed
Java, Spring Boot, Terraform, Kubernetes, Helm, Spring Reactive, Linux, Cloud Services, Ci/Cd, Automation, Object Oriented Design, Domain Driven Design, Gcp, Aws, Analytical Skills, Communication Skills
Specialization
Candidates should have a minimum of 6 years of software development experience, particularly in cloud platform engineering. Strong expertise in Java and cloud service automation technologies is essential.
Experience Required
Minimum 5 year(s)
Issue Remediation Data Analyst - SAS and SQL at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Sas, Sql, Data Analysis, Data Management, Root Cause Analysis, Impact Assessment, Audit Support, Report Generation, Ms Excel, Powerpoint, Vba, Jira, Tableau, Cognos, Big Data, Python, Banking Domain
Specialization
Candidates should be proficient in SAS, SQL, and various reporting tools, with a strong understanding of the banking domain. Excellent communication skills and the ability to solve complex business problems are essential.
Experience Required
Minimum 2 year(s)
Java Full Stack developer with Angular at Citi
Pune, maharashtra, India - Full Time
Skills Needed
Java, Spring Boot, Angular, Junit, Mockito, Ui/Ux Design, Jest, Sql, Micro Services, Rest, Cloud Ready Applications, Continuous Integration, Continuous Delivery, Kubernetes, Docker, Messaging Systems
Specialization
Candidates should have 3-5 years of experience in application development, particularly in the financial services industry. Proficiency in Java, Spring, Angular, and various testing frameworks is essential.
Experience Required
Minimum 2 year(s)
Customer Solutions Officer at Citi
Taguig, Metro Manila, Philippines - Full Time
Skills Needed
Customer Service, Compliance, Research, Communication, Problem Solving, Risk Assessment, Bpo Experience, English Proficiency, Client Experience, Sales Support, Report Preparation, Team Collaboration, Service Inquiries, Billing, Collections, Fraud Management
Specialization
Candidates should have at least a high school diploma and a minimum of 6 months of international BPO voice experience. They must be conversant in English and willing to work on a shifting schedule, including holidays and weekends.
Credit Risk Analyst - Funds at Citi
Irving, Texas, United States - Full Time
Skills Needed
Analytical Thinking, Financial Analysis, Risk Identification, Credit Risk Management, Policy And Procedure, Risk Controls, Interpersonal Skills, Organizational Skills, Communication Skills, Industry Research, Credit Policy, Gaap Accounting, Presentation Skills, Change Management, Problem Solving, Relationship Building
Specialization
Candidates should have 2-3 years of credit experience in Banking or Credit Risk Management, along with a strong understanding of wholesale credit processes. A BA/BSc in Finance or Accounting is required, with advanced analytical skills and knowledge of financial statements.
Experience Required
Minimum 2 year(s)
Ops Support Specialist at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Customer Service, Dispute Process, Problem Solving, Microsoft Office, Analytical Skills, Communication Skills, Pega Functionality, Cob Testing, Training Facilitation, Operations Support, Process Improvement, Escalation Management, Financial Entry Resolution, Operations Loss Minimization, Complex Problem Resolution, Team Support
Specialization
Candidates should have 2-4 years of relevant experience and a comprehensive knowledge of the dispute process. Proficiency in Microsoft Office and the ability to work unsupervised are also required.
Experience Required
Minimum 2 year(s)
Business Associate in Risk Management Office at Citi
Warsaw, Masovian Voivodeship, Poland - Full Time
Skills Needed
Analysis, Problem Solving, Communication, Project Management, Interpersonal Skills, Data Management, Time Management, Task Management, Multi Tasking, Written Communication, Verbal Communication, Excel, Powerpoint
Specialization
Candidates should have proven experience in Business Management, Project Management, or Office Management. Strong analytical, interpersonal, and communication skills are essential, along with proficiency in Excel and PowerPoint.
Experience Required
Minimum 2 year(s)
Wealth Regional Director - NY Metro at Citi
Washington, District of Columbia, United States - Full Time
Skills Needed
Investment Sales, Sales Management, Advisor Recruiting, Leadership, Coaching, Communication, Risk Management, Regulatory Compliance, Client Events, Team Building, Strategic Planning, P&L Management, High Net Worth Client Management, Sales Strategy, Financial Planning, Portfolio Management
Specialization
Candidates must have 15+ years of extensive investment sales experience and prior investment sales management experience. Strong leadership, communication skills, and FINRA licenses are also required.
Experience Required
Minimum 10 year(s)
Head of Money Movement Product Management at Citi
O'fallon, Missouri, United States - Full Time
Skills Needed
Product Management, Payments, Client Experience, Regulatory Changes, Market Research, Competitive Analysis, Innovation, Revenue Generation, Communication Skills, Decision Management, Agile Environment, Financial Services, Project Management, User Stories, Testing, Business Cases
Specialization
Candidates should have a minimum of 10 years of experience in payments product management and be subject matter experts in US payment networks. Strong communication skills and the ability to adapt in an agile environment are essential.
Experience Required
Minimum 10 year(s)
Business Analytics, Analyst at Citi
Bengaluru, karnataka, India -
Full Time

Start Date

Immediate

Expiry Date

18 Mar, 26

Salary

0.0

Posted On

18 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Business Analytics, Data Analysis, Communication Skills, Process Improvement, Decision Making, Data Patterns, Strategic Opportunities, Operational Policies, Exploratory Data Analysis, Qualitative Analysis, Consumer Insights, Segmentation Strategies, Cross-Functional Collaboration, Data Sources, Tools, Capabilities

Industry

Financial Services

Description
Develops working knowledge of industry practices and standards. Gathers operational data from various cross functional stakeholders to examine past business performance Identifies data patterns & trends, and provides insights to enhance business decision making capability in business planning, process improvement, solution assessment etc. Recommends actions for future developments & strategic business opportunities, as well as enhancements to operational policies May be involved in exploratory data analysis, confirmatory data analysis and/or qualitative analysis Translate data into consumer or customer behavioral insights to drive targeting and segmentation strategies, and communicate clearly and effectively to business partners and senior leaders all findings Continuously improve processes and strategies by exploring and evaluating new data sources, tools, and capabilities Work closely with internal and external business partners in building, implementing, tracking and improving decision strategies 3-5 years relevant experience Good communication skills (both verbal and written) and ability to work with cross-functional partners and team members Bachelors/University degree or equivalent experience Masters preferred ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------
Responsibilities
The analyst develops knowledge of industry practices, gathers operational data, and identifies data patterns to enhance business decision-making. They recommend actions for future developments and work closely with business partners to improve decision strategies.
Business Analytics, Analyst at Citi
Bengaluru, karnataka, India - Full Time
Skills Needed
Business Analytics, Data Analysis, Communication Skills, Process Improvement, Decision Making, Data Patterns, Strategic Opportunities, Operational Policies, Exploratory Data Analysis, Qualitative Analysis, Consumer Insights, Segmentation Strategies, Cross Functional Collaboration, Data Sources, Tools, Capabilities
Specialization
Candidates should have 3-5 years of relevant experience and possess good communication skills to work with cross-functional teams. A Bachelor's degree is required, with a Master's preferred.
Experience Required
Minimum 2 year(s)
Transaction Banking Salesperson, Treasury & Trade Solutions/Corporate Banki at Citi
Kuala Lumpur, Kuala Lumpur, Malaysia - Full Time
Skills Needed
Communication Skills, Diplomacy Skills, Sales Experience, Transaction Banking, Trade Products, Cash Products, Client Acquisition, Risk Mitigation, Portfolio Management, Sales Strategy, Client Satisfaction, Governance, Analytical Skills, Revenue Realization, Cross Selling, Quality Service Delivery
Specialization
Candidates should have 6-10 years of client-facing sales experience, particularly in Transaction Banking and understanding of trade and cash products. A bachelor's degree is required, with a master's preferred.
Experience Required
Minimum 5 year(s)
Java Microservices Tech Lead - Vice President at Citi
Tampa, Florida, United States - Full Time
Skills Needed
Java, Microservices, Spring Boot, Api Development, Cloud Platforms, Docker, Kubernetes, Kafka, Sql, Hibernate, Ci/Cd, Unit Testing, Oop, Data Structures, Algorithms, Authentication
Specialization
Minimum of 8 years of experience in large-scale enterprise application development using modern Java technologies is required. Strong understanding of OOP principles and extensive experience in designing integrated solutions are also necessary.
Experience Required
Minimum 10 year(s)
Apps Development Senior Manager(Java/J2EE/Microservices) - Vice President at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Java, J2ee, Microservices, Agile, Scrum, Cloud, Ui/Ux, Soa, Spring, Jenkins, Git, Jira, Oracle, Mongodb, Mysql, Big Data
Specialization
Requires 10-12 years of relevant experience in the Financial Services industry and experience as an Applications Development Manager. Proficiency in various technologies and methodologies is essential.
Experience Required
Minimum 10 year(s)
Client Onboard Rep at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Client Communication, Attention To Detail, Time Management, Team Spirit, Flexibility, Banking Knowledge, Process Improvement, Quality Assurance, Documentation Skills, Data Verification, System Maintenance, Customer Service, Regulatory Compliance, Training Participation, Project Involvement, Pc Skills, English Proficiency
Specialization
Candidates should have previous experience in financial services and knowledge of bank products related to account opening and maintenance. Strong communication skills in English and the ability to work under pressure are essential.
Citi Commercial Bank - Collateral Manager, Asset Based Lending at Citi
New York, New York, United States - Full Time
Skills Needed
Collateral Management, Data Analysis, Client Management, Risk Assessment, Financial Data Analysis, Collateral Tracking Platforms, Collaboration, Procedure Development, Data Integrity, Eligibility Criteria, Advance Rates, Performance Objectives, Ethical Standards, Sustainable Results, Teamwork, Problem Solving
Specialization
Candidates should have 10-15+ years of experience in ABL collateral management at a large bank or equivalent financial institution. Strong analytical skills and experience with collateral tracking platforms are also required.
Experience Required
Minimum 10 year(s)
Enterprise Solution Architect Vice President at Citi
New York, New York, United States - Full Time
Skills Needed
Solution Design, Technology Expertise, Compliance Initiatives, Architecture Evaluation, Integration Functions, System Enhancements, Problem Causality, Data Structures, Engineering Experience, Financial Services, Communication Skills, Design Metrics, Analytics Tools, Operational Process Improvement, Matrix Environment, Project Ownership
Specialization
Candidates should have 6+ years of relevant engineering experience, preferably in financial services. Strong communication skills and knowledge of design metrics and analytics tools are essential.
Experience Required
Minimum 5 year(s)
Big Data Tech Lead - Vice President at Citi
Tampa, Florida, United States - Full Time
Skills Needed
Big Data, Etl, Elt, Apache Spark, Hadoop, Kafka, Python, Scala, Sql, Oracle, Postgresql, Apache Airflow, Docker, Kubernetes, Hazelcast, Redis
Specialization
Candidates should have advanced knowledge in applications programming and experience with big data technologies. A bachelor's degree is required, with a master's degree preferred.
Experience Required
Minimum 10 year(s)
Data Analytics Analyst at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Data Analysis, Project Management, Analytical Thinking, Communication Skills, Statistical Modeling, Problem Solving, Attention To Detail, Judgment Interpretation, Risk Assessment, Scala, Python, Sql, Debugging, Big Data, Unix Scripting, Database Management
Specialization
Candidates should have 5-8 years of relevant experience and a bachelor's degree or equivalent. Proficiency in data analysis tools, statistical modeling, and strong communication skills are essential.
Experience Required
Minimum 5 year(s)
Data Center Service Delivery Infrastructure Technical Analyst at Citi
New York, New York, United States - Full Time
Skills Needed
Data Center Management, Infrastructure Support, Network Hardware Installation, Troubleshooting, Change Control, Media Management, Disaster Recovery, Compliance, Project Management, Communication Skills, Wan Technologies, Tcp/Ip Protocol, Problem Solving, Vendor Management, Housekeeping, Documentation
Specialization
Candidates should have over 3 years of experience in data center facilities and infrastructure, with a strong background in WAN technologies and troubleshooting techniques. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
Quality Assurance, Monitoring & Testing Sr. Analyst - C12 at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Analytical Thinking, Assurance Strategy, Communication, Constructive Debate, Controls Assessment, Controls Lifecycle, Policy And Procedure, Risk Remediation, Stakeholder Management
Specialization
Candidates should have 5-8 years of experience in operational risk management or related fields, with strong analytical and communication skills. A bachelor's degree or equivalent experience is required, along with proficiency in Microsoft Office.
Experience Required
Minimum 5 year(s)
Public Cloud Infrastructure Services - Java Developer - Assistant Vice Pres at Citi
Pune, maharashtra, India - Full Time
Skills Needed
Java, Spring Boot, Terraform, Kubernetes, Helm, Spring Reactive, Linux, Cloud Services, Ci/Cd, Automation, Object Oriented Design, Domain Driven Design, Gcp, Aws, Analytical Skills, Communication Skills
Specialization
Candidates should have a minimum of 6 years of software development experience, particularly in cloud platform engineering. Strong expertise in Java and cloud service automation technologies is essential.
Experience Required
Minimum 5 year(s)
Issue Remediation Data Analyst - SAS and SQL at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Sas, Sql, Data Analysis, Data Management, Root Cause Analysis, Impact Assessment, Audit Support, Report Generation, Ms Excel, Powerpoint, Vba, Jira, Tableau, Cognos, Big Data, Python, Banking Domain
Specialization
Candidates should be proficient in SAS, SQL, and various reporting tools, with a strong understanding of the banking domain. Excellent communication skills and the ability to solve complex business problems are essential.
Experience Required
Minimum 2 year(s)
Java Full Stack developer with Angular at Citi
Pune, maharashtra, India - Full Time
Skills Needed
Java, Spring Boot, Angular, Junit, Mockito, Ui/Ux Design, Jest, Sql, Micro Services, Rest, Cloud Ready Applications, Continuous Integration, Continuous Delivery, Kubernetes, Docker, Messaging Systems
Specialization
Candidates should have 3-5 years of experience in application development, particularly in the financial services industry. Proficiency in Java, Spring, Angular, and various testing frameworks is essential.
Experience Required
Minimum 2 year(s)
Customer Solutions Officer at Citi
Taguig, Metro Manila, Philippines - Full Time
Skills Needed
Customer Service, Compliance, Research, Communication, Problem Solving, Risk Assessment, Bpo Experience, English Proficiency, Client Experience, Sales Support, Report Preparation, Team Collaboration, Service Inquiries, Billing, Collections, Fraud Management
Specialization
Candidates should have at least a high school diploma and a minimum of 6 months of international BPO voice experience. They must be conversant in English and willing to work on a shifting schedule, including holidays and weekends.
Credit Risk Analyst - Funds at Citi
Irving, Texas, United States - Full Time
Skills Needed
Analytical Thinking, Financial Analysis, Risk Identification, Credit Risk Management, Policy And Procedure, Risk Controls, Interpersonal Skills, Organizational Skills, Communication Skills, Industry Research, Credit Policy, Gaap Accounting, Presentation Skills, Change Management, Problem Solving, Relationship Building
Specialization
Candidates should have 2-3 years of credit experience in Banking or Credit Risk Management, along with a strong understanding of wholesale credit processes. A BA/BSc in Finance or Accounting is required, with advanced analytical skills and knowledge of financial statements.
Experience Required
Minimum 2 year(s)
Ops Support Specialist at Citi
Chennai, tamil nadu, India - Full Time
Skills Needed
Customer Service, Dispute Process, Problem Solving, Microsoft Office, Analytical Skills, Communication Skills, Pega Functionality, Cob Testing, Training Facilitation, Operations Support, Process Improvement, Escalation Management, Financial Entry Resolution, Operations Loss Minimization, Complex Problem Resolution, Team Support
Specialization
Candidates should have 2-4 years of relevant experience and a comprehensive knowledge of the dispute process. Proficiency in Microsoft Office and the ability to work unsupervised are also required.
Experience Required
Minimum 2 year(s)
Business Associate in Risk Management Office at Citi
Warsaw, Masovian Voivodeship, Poland - Full Time
Skills Needed
Analysis, Problem Solving, Communication, Project Management, Interpersonal Skills, Data Management, Time Management, Task Management, Multi Tasking, Written Communication, Verbal Communication, Excel, Powerpoint
Specialization
Candidates should have proven experience in Business Management, Project Management, or Office Management. Strong analytical, interpersonal, and communication skills are essential, along with proficiency in Excel and PowerPoint.
Experience Required
Minimum 2 year(s)
Wealth Regional Director - NY Metro at Citi
Washington, District of Columbia, United States - Full Time
Skills Needed
Investment Sales, Sales Management, Advisor Recruiting, Leadership, Coaching, Communication, Risk Management, Regulatory Compliance, Client Events, Team Building, Strategic Planning, P&L Management, High Net Worth Client Management, Sales Strategy, Financial Planning, Portfolio Management
Specialization
Candidates must have 15+ years of extensive investment sales experience and prior investment sales management experience. Strong leadership, communication skills, and FINRA licenses are also required.
Experience Required
Minimum 10 year(s)
Head of Money Movement Product Management at Citi
O'fallon, Missouri, United States - Full Time
Skills Needed
Product Management, Payments, Client Experience, Regulatory Changes, Market Research, Competitive Analysis, Innovation, Revenue Generation, Communication Skills, Decision Management, Agile Environment, Financial Services, Project Management, User Stories, Testing, Business Cases
Specialization
Candidates should have a minimum of 10 years of experience in payments product management and be subject matter experts in US payment networks. Strong communication skills and the ability to adapt in an agile environment are essential.
Experience Required
Minimum 10 year(s)