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Part-Time Universal Banker (20 Hours), Newbury Park Branch at Citi
Thousand Oaks, California, United States - Full Time
Skills Needed
Customer Service, Sales, Account Opening, Financial Transactions, Communication Skills, Problem Solving, Risk Assessment, Compliance, Operational Controls, Relationship Building, Service Delivery, Promotional Campaigns, Product Initiatives, Seminars, Micromarketing Events, Customer Loyalty
Specialization
Candidates should have 1-3 years of relevant experience, preferably in retail banking. A high school diploma or equivalent is required, along with strong communication skills.
Technology Risk & Compliance Sr. Analyst, AVP (Hybrid) at Citi
Mumbai, maharashtra, India - Full Time
Skills Needed
Analytical Thinking, Control Monitoring, Governance, Operational Risk, Risk Identification, Data Analysis, Project Management, Interpersonal Skills, Problem Solving, Compliance, Cyber Risk, Information Security, It Systems, Cloud Services, Security Infrastructure, Risk Management
Specialization
Candidates should have a minimum of 5 years of experience in technology risk or cyber risk management and familiarity with regulatory requirements. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 5 year(s)
Part-Time Teller (20 Hours), Westlake Village Branch at Citi
Westlake Village, California, United States - Full Time
Skills Needed
Customer Service, Sales, Money Handling, Problem Solving, Communication, Teamwork
Specialization
Previous relevant experience is preferred, along with demonstrated sales and customer service experience. Effective problem-solving and communication skills are essential, as well as the ability to work well in a team-oriented environment.
Risk Operations Senior Analyst at Citi
Getzville, New York, United States - Full Time
Skills Needed
Analytical Skills, Leadership Skills, Written Communication, Verbal Communication, Data Quality, Credit Exposure, Risk Assessment, Coaching, Training, Compliance, Ethical Judgment, Trend Detection, Credit Policies, Approval Process, Reporting, Database Management
Specialization
Candidates should have 3-5 years of relevant experience and demonstrate strong analytical and leadership skills. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
Wealth - Investments Business Execution Lead - Director at Citi
New York, New York, United States - Full Time
Skills Needed
Financial Services, Strategic Planning, Customer Journey Improvements, Financial Reporting, Budgeting, Data Strategy, Analytics, Team Management, Governance, Risk Management, Communication, Consultative Approach, Problem Solving, Process Improvement, Investment Solutions, Business Execution
Specialization
Candidates should have 15+ years of relevant experience in financial services with a proven track record in strategic execution. Strong communication skills and the ability to work in a complex organization are essential.
Experience Required
Minimum 10 year(s)
Intermediate Associate Credit Maintenance Analyst at Citi
Getzville, New York, United States - Full Time
Skills Needed
Data Quality, Credit Exposure, Due Diligence, Financial Analysis, Risk Analysis, Credit Worthiness, Documentation, Collaboration, Analytical Skills, Communication, Loan Maintenance, Covenant Monitoring, Client Interaction, Reporting, Compliance, Collateral Management
Specialization
Candidates should have 2-5 years of relevant experience and demonstrate strong analytical and communication skills. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
Banking - Investment Banking, Summer Associate, San Francisco Healthcare (N at Citi
San Francisco, California, United States - Full Time
Skills Needed
Industry Analysis, Research, Project Management, Business Presentations, Communication, Planning, Organizational Skills, Client Service, Integrity, Ethical Decision Making
Specialization
Candidates must be pursuing an MBA from a top academic institution and have relevant work experience. A strong desire to learn and succeed in team environments is essential.
Banking - Investment Banking, Summer Associate, Los Angeles (North America at Citi
Los Angeles, California, United States - Full Time
Skills Needed
Industry Analysis, Research, Project Management, Business Presentations, Communication, Planning, Organizational Skills, Client Service, Integrity, Ethical Decision Making
Specialization
Candidates must be pursuing an MBA from a top academic institution and have relevant work experience. A strong desire to learn and succeed in team environments is essential.
Lead Counsel 2 – Country – Vice President at Citi
Singapore, , Singapore - Full Time
Skills Needed
Legal Counsel, Regulatory Compliance, Risk Management, Contract Drafting, Legal Documentation, Interpersonal Skills, Leadership, Negotiation, Relationship Management, Financial Services, Multi Jurisdictional Laws, Communication Skills, Organizational Skills, Team Collaboration, Strategic Decision Making, Problem Solving
Specialization
Candidates should have 6-10 years of relevant industry experience, preferably in financial services, and a valid bar license to practice law in Singapore. Excellent leadership, communication, and negotiation skills are essential, along with a comprehensive knowledge of international laws and practices.
Experience Required
Minimum 5 year(s)
Credit Risk Senior Analyst, Taipei, Taiwan, Hybrid at Citi
Taipei, , Taiwan - Full Time
Skills Needed
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy And Procedure, Policy And Regulation, Product Knowledge, Risk Controls And Monitors, Risk Identification And Assessment
Specialization
Candidates should have 2-5 years of experience in a financial institution focusing on credit analysis. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
Analyst / Associate (Energy, Power, Chemicals and Infrastructure), Investme at Citi
Hong Kong, Hong Kong Island, Hong Kong S.A.R. - Full Time
Skills Needed
Investment Banking, Mergers, Acquisitions, Capital Markets, Financial Transactions, Due Diligence, Drafting, Client Management, Strategic Advisory, Natural Resources, Infrastructure, Communication Skills, Corporate Clients, Securities Products, Derivatives, Credit
Specialization
Candidates should have 2-5 years of experience in the Financial Services industry, preferably within Banking. A degree in Finance or a closely related area is required, and experience in natural resources or infrastructure is preferred.
Experience Required
Minimum 2 year(s)
Credit Portfolio Sr Analyst - AVP at Citi
New York, New York, United States - Full Time
Skills Needed
Analytical Thinking, Financial Structuring, Execution Skills, Marketing Skills, Lending Credit Policies, Financial Markets, Investments, Banking, Loan Products, Financial Accounting, Cash Flow Modelling
Specialization
Candidates should have strong analytical and financial structuring skills, along with at least 3 years of experience as a Credit Officer. A broad knowledge of lending credit policies and financial markets is also required.
Experience Required
Minimum 2 year(s)
Client Service Analyst 2 (Officer) at Citi
, , Singapore - Full Time
Skills Needed
Risk Assessment, Control Assessment, Data Analysis, Problem Solving, Communication Skills, Organizational Skills, Time Management, Attention To Detail, Microsoft Office, Ms Excel, Wealth Products Knowledge
Specialization
Candidates should have 0-2 years of relevant experience and strong organizational and communication skills. Proficiency in Microsoft Office, particularly Excel, and a good understanding of Wealth products are advantageous.
Senior Vice President, Payments Service Delivery & Production Support at Citi
, , Singapore - Full Time
Skills Needed
Payments Service Delivery, Production Support, Vendor Relationship Management, Operational Efficiencies, Incident Management, Problem Management, Knowledge Sharing, Application Stability, Capacity Planning, Performance Evaluation, Stakeholder Management, Project Management, Communication Skills, Coaching, Cost Reductions, Root Cause Analysis
Specialization
Candidates should have over 10 years of relevant experience, preferably in an Apps Support role with people management experience. A bachelor's degree is required, with a master's degree preferred.
Experience Required
Minimum 10 year(s)
Credit Risk Intmd Analyst - C11 - TAGUIG at Citi
Taguig, Metro Manila, Philippines - Full Time
Skills Needed
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy And Procedure, Policy And Regulation, Product Knowledge, Risk Controls And Monitors, Risk Identification And Assessment
Specialization
Candidates should have 2-5 years of experience in a financial institution focusing on credit analysis. A Bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
Java Developer - Global Controllers Technology - C10 - PUNE at Citi
Pune, maharashtra, India - Full Time
Skills Needed
Java, Spring Boot, Microservices, Rest Api, Hibernate, Oracle, Pl/Sql, Mongodb, Docker, Kubernetes, Ci/Cd, Jenkins, Git, Agile, Scrum, Problem Solving
Specialization
3-5 years of relevant experience in Java Application development is preferred. Strong knowledge of Java 8+, Spring framework, and microservices architecture is required.
Experience Required
Minimum 2 year(s)
Business Analytics Analyst at Citi
Bengaluru, karnataka, India - Full Time
Skills Needed
Business Analytics, Data Analysis, Communication Skills, Process Improvement, Policy Formulation, Risk Assessment, Data Interpretation, Strategic Planning, Exploratory Data Analysis, Qualitative Analysis, Decision Strategies, Cross Functional Collaboration, Consumer Insights, Operational Policies, Trend Analysis, Compliance
Specialization
Candidates should have 2 to 4 years of relevant experience and possess good communication skills to work with cross-functional partners. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
BANAMEX_INCLUYENDO + TALENTO CON DISCAPACIDAD / FERIA INDISCAPACIDAD NOV_20 at Citi
Ciudad de México, , Mexico - Full Time
Skills Needed
Desire To Develop, Professional Development, Teamwork, Communication, Adaptability
Specialization
Candidates must have completed high school. Experience is desirable but not necessary, and a strong desire to continue professional development is essential.
Business Unit Manager - Vice President at Citi
New York, New York, United States - Full Time
Skills Needed
Financial Services, Resource Management, Financial Reporting, Data Analysis, Process Improvement, Risk Assessment, Talent Strategy, Employee Engagement, Project Management, Communication Skills, Team Player, Self Motivated, Microsoft Excel, Database Management, Citi Systems Knowledge
Specialization
Candidates should have 7-10 years of experience in Financial Services, with expertise in headcount and financial forecasting. Proficiency in MS Excel and strong analytical skills are essential.
Experience Required
Minimum 10 year(s)
Part-Time Teller (20 Hours), 21st and Irving Branch at Citi
San Francisco, California, United States - Full Time
Skills Needed
Banking Transactions, Cash Management, Customer Service, Sales Experience, Money Handling, Problem Solving, Communication Skills, Teamwork
Specialization
Previous relevant experience is preferred, along with demonstrated sales and customer service experience. Candidates should possess effective problem-solving and communication skills.
Part-Time Universal Banker (20 Hours), Newbury Park Branch at Citi
Thousand Oaks, California, United States -
Full Time


Start Date

Immediate

Expiry Date

24 Jan, 26

Salary

29.8

Posted On

26 Oct, 25

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Customer Service, Sales, Account Opening, Financial Transactions, Communication Skills, Problem Solving, Risk Assessment, Compliance, Operational Controls, Relationship Building, Service Delivery, Promotional Campaigns, Product Initiatives, Seminars, Micromarketing Events, Customer Loyalty

Industry

Financial Services

Description
The Universal Banker is an entry level position responsible for the assistance in the execution of sales, products or service activities in coordination with the customer service team. The overall objective of this role is to foster relations with customers to build loyalty and to help increase sales to individual consumer clients. Responsibilities: Assist in basic account opening for existing customer Provide service delivery to internal/external customers to resolve account service issues Execute financial transactions in accordance with bank policies and procedures Refer opportunities to segment partners where appropriate Create sales opportunities out of service transaction and resolve customer complaints/issues promptly and effectively Support sales/service activities within the branch by participating in seminars, micromarketing events, promotional campaigns, product initiatives, etc. Adhere to operational controls, including legal, corporate, and regulatory procedures to ensure the safety and security of customer and bank assets Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Qualifications: 1-3 years of relevant experience Previous Retail Banking or similar experience required Consistently demonstrates clear and concise written and verbal communication skills Education: High School diploma or equivalent This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. The salary range provided in this posting is based on a 40 hour work week. ------------------------------------------------------ Job Family Group: Consumer Sales ------------------------------------------------------ Job Family: Branch Sales ------------------------------------------------------ Time Type: Part time ------------------------------------------------------ Primary Location: Newbury Park California United States ------------------------------------------------------ Primary Location Full Time Salary Range: $47,510.00 - $61,990.00 Salary shown is for full-time positions and will be prorated for part-time hires based on number of hours worked. The hourly rate corresponding to the annual range is: $22.84 - $29.80 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Please see the requirements listed above. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: Nov 01, 2025 ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.
Responsibilities
The Universal Banker assists in executing sales and service activities while fostering customer relationships to build loyalty. They resolve account service issues and create sales opportunities from service transactions.
Part-Time Universal Banker (20 Hours), Newbury Park Branch at Citi
Thousand Oaks, California, United States - Full Time
Skills Needed
Customer Service, Sales, Account Opening, Financial Transactions, Communication Skills, Problem Solving, Risk Assessment, Compliance, Operational Controls, Relationship Building, Service Delivery, Promotional Campaigns, Product Initiatives, Seminars, Micromarketing Events, Customer Loyalty
Specialization
Candidates should have 1-3 years of relevant experience, preferably in retail banking. A high school diploma or equivalent is required, along with strong communication skills.
Technology Risk & Compliance Sr. Analyst, AVP (Hybrid) at Citi
Mumbai, maharashtra, India - Full Time
Skills Needed
Analytical Thinking, Control Monitoring, Governance, Operational Risk, Risk Identification, Data Analysis, Project Management, Interpersonal Skills, Problem Solving, Compliance, Cyber Risk, Information Security, It Systems, Cloud Services, Security Infrastructure, Risk Management
Specialization
Candidates should have a minimum of 5 years of experience in technology risk or cyber risk management and familiarity with regulatory requirements. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 5 year(s)
Part-Time Teller (20 Hours), Westlake Village Branch at Citi
Westlake Village, California, United States - Full Time
Skills Needed
Customer Service, Sales, Money Handling, Problem Solving, Communication, Teamwork
Specialization
Previous relevant experience is preferred, along with demonstrated sales and customer service experience. Effective problem-solving and communication skills are essential, as well as the ability to work well in a team-oriented environment.
Risk Operations Senior Analyst at Citi
Getzville, New York, United States - Full Time
Skills Needed
Analytical Skills, Leadership Skills, Written Communication, Verbal Communication, Data Quality, Credit Exposure, Risk Assessment, Coaching, Training, Compliance, Ethical Judgment, Trend Detection, Credit Policies, Approval Process, Reporting, Database Management
Specialization
Candidates should have 3-5 years of relevant experience and demonstrate strong analytical and leadership skills. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
Wealth - Investments Business Execution Lead - Director at Citi
New York, New York, United States - Full Time
Skills Needed
Financial Services, Strategic Planning, Customer Journey Improvements, Financial Reporting, Budgeting, Data Strategy, Analytics, Team Management, Governance, Risk Management, Communication, Consultative Approach, Problem Solving, Process Improvement, Investment Solutions, Business Execution
Specialization
Candidates should have 15+ years of relevant experience in financial services with a proven track record in strategic execution. Strong communication skills and the ability to work in a complex organization are essential.
Experience Required
Minimum 10 year(s)
Intermediate Associate Credit Maintenance Analyst at Citi
Getzville, New York, United States - Full Time
Skills Needed
Data Quality, Credit Exposure, Due Diligence, Financial Analysis, Risk Analysis, Credit Worthiness, Documentation, Collaboration, Analytical Skills, Communication, Loan Maintenance, Covenant Monitoring, Client Interaction, Reporting, Compliance, Collateral Management
Specialization
Candidates should have 2-5 years of relevant experience and demonstrate strong analytical and communication skills. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
Banking - Investment Banking, Summer Associate, San Francisco Healthcare (N at Citi
San Francisco, California, United States - Full Time
Skills Needed
Industry Analysis, Research, Project Management, Business Presentations, Communication, Planning, Organizational Skills, Client Service, Integrity, Ethical Decision Making
Specialization
Candidates must be pursuing an MBA from a top academic institution and have relevant work experience. A strong desire to learn and succeed in team environments is essential.
Banking - Investment Banking, Summer Associate, Los Angeles (North America at Citi
Los Angeles, California, United States - Full Time
Skills Needed
Industry Analysis, Research, Project Management, Business Presentations, Communication, Planning, Organizational Skills, Client Service, Integrity, Ethical Decision Making
Specialization
Candidates must be pursuing an MBA from a top academic institution and have relevant work experience. A strong desire to learn and succeed in team environments is essential.
Lead Counsel 2 – Country – Vice President at Citi
Singapore, , Singapore - Full Time
Skills Needed
Legal Counsel, Regulatory Compliance, Risk Management, Contract Drafting, Legal Documentation, Interpersonal Skills, Leadership, Negotiation, Relationship Management, Financial Services, Multi Jurisdictional Laws, Communication Skills, Organizational Skills, Team Collaboration, Strategic Decision Making, Problem Solving
Specialization
Candidates should have 6-10 years of relevant industry experience, preferably in financial services, and a valid bar license to practice law in Singapore. Excellent leadership, communication, and negotiation skills are essential, along with a comprehensive knowledge of international laws and practices.
Experience Required
Minimum 5 year(s)
Credit Risk Senior Analyst, Taipei, Taiwan, Hybrid at Citi
Taipei, , Taiwan - Full Time
Skills Needed
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy And Procedure, Policy And Regulation, Product Knowledge, Risk Controls And Monitors, Risk Identification And Assessment
Specialization
Candidates should have 2-5 years of experience in a financial institution focusing on credit analysis. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
Analyst / Associate (Energy, Power, Chemicals and Infrastructure), Investme at Citi
Hong Kong, Hong Kong Island, Hong Kong S.A.R. - Full Time
Skills Needed
Investment Banking, Mergers, Acquisitions, Capital Markets, Financial Transactions, Due Diligence, Drafting, Client Management, Strategic Advisory, Natural Resources, Infrastructure, Communication Skills, Corporate Clients, Securities Products, Derivatives, Credit
Specialization
Candidates should have 2-5 years of experience in the Financial Services industry, preferably within Banking. A degree in Finance or a closely related area is required, and experience in natural resources or infrastructure is preferred.
Experience Required
Minimum 2 year(s)
Credit Portfolio Sr Analyst - AVP at Citi
New York, New York, United States - Full Time
Skills Needed
Analytical Thinking, Financial Structuring, Execution Skills, Marketing Skills, Lending Credit Policies, Financial Markets, Investments, Banking, Loan Products, Financial Accounting, Cash Flow Modelling
Specialization
Candidates should have strong analytical and financial structuring skills, along with at least 3 years of experience as a Credit Officer. A broad knowledge of lending credit policies and financial markets is also required.
Experience Required
Minimum 2 year(s)
Client Service Analyst 2 (Officer) at Citi
, , Singapore - Full Time
Skills Needed
Risk Assessment, Control Assessment, Data Analysis, Problem Solving, Communication Skills, Organizational Skills, Time Management, Attention To Detail, Microsoft Office, Ms Excel, Wealth Products Knowledge
Specialization
Candidates should have 0-2 years of relevant experience and strong organizational and communication skills. Proficiency in Microsoft Office, particularly Excel, and a good understanding of Wealth products are advantageous.
Senior Vice President, Payments Service Delivery & Production Support at Citi
, , Singapore - Full Time
Skills Needed
Payments Service Delivery, Production Support, Vendor Relationship Management, Operational Efficiencies, Incident Management, Problem Management, Knowledge Sharing, Application Stability, Capacity Planning, Performance Evaluation, Stakeholder Management, Project Management, Communication Skills, Coaching, Cost Reductions, Root Cause Analysis
Specialization
Candidates should have over 10 years of relevant experience, preferably in an Apps Support role with people management experience. A bachelor's degree is required, with a master's degree preferred.
Experience Required
Minimum 10 year(s)
Credit Risk Intmd Analyst - C11 - TAGUIG at Citi
Taguig, Metro Manila, Philippines - Full Time
Skills Needed
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy And Procedure, Policy And Regulation, Product Knowledge, Risk Controls And Monitors, Risk Identification And Assessment
Specialization
Candidates should have 2-5 years of experience in a financial institution focusing on credit analysis. A Bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
Java Developer - Global Controllers Technology - C10 - PUNE at Citi
Pune, maharashtra, India - Full Time
Skills Needed
Java, Spring Boot, Microservices, Rest Api, Hibernate, Oracle, Pl/Sql, Mongodb, Docker, Kubernetes, Ci/Cd, Jenkins, Git, Agile, Scrum, Problem Solving
Specialization
3-5 years of relevant experience in Java Application development is preferred. Strong knowledge of Java 8+, Spring framework, and microservices architecture is required.
Experience Required
Minimum 2 year(s)
Business Analytics Analyst at Citi
Bengaluru, karnataka, India - Full Time
Skills Needed
Business Analytics, Data Analysis, Communication Skills, Process Improvement, Policy Formulation, Risk Assessment, Data Interpretation, Strategic Planning, Exploratory Data Analysis, Qualitative Analysis, Decision Strategies, Cross Functional Collaboration, Consumer Insights, Operational Policies, Trend Analysis, Compliance
Specialization
Candidates should have 2 to 4 years of relevant experience and possess good communication skills to work with cross-functional partners. A bachelor's degree or equivalent experience is required.
Experience Required
Minimum 2 year(s)
BANAMEX_INCLUYENDO + TALENTO CON DISCAPACIDAD / FERIA INDISCAPACIDAD NOV_20 at Citi
Ciudad de México, , Mexico - Full Time
Skills Needed
Desire To Develop, Professional Development, Teamwork, Communication, Adaptability
Specialization
Candidates must have completed high school. Experience is desirable but not necessary, and a strong desire to continue professional development is essential.
Business Unit Manager - Vice President at Citi
New York, New York, United States - Full Time
Skills Needed
Financial Services, Resource Management, Financial Reporting, Data Analysis, Process Improvement, Risk Assessment, Talent Strategy, Employee Engagement, Project Management, Communication Skills, Team Player, Self Motivated, Microsoft Excel, Database Management, Citi Systems Knowledge
Specialization
Candidates should have 7-10 years of experience in Financial Services, with expertise in headcount and financial forecasting. Proficiency in MS Excel and strong analytical skills are essential.
Experience Required
Minimum 10 year(s)
Part-Time Teller (20 Hours), 21st and Irving Branch at Citi
San Francisco, California, United States - Full Time
Skills Needed
Banking Transactions, Cash Management, Customer Service, Sales Experience, Money Handling, Problem Solving, Communication Skills, Teamwork
Specialization
Previous relevant experience is preferred, along with demonstrated sales and customer service experience. Candidates should possess effective problem-solving and communication skills.
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