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Branch Relationship Officer (Luzon Region) at EastWest Bank
Tarlac City, Tarlac, Philippines - Full Time
Skills Needed
Sales Acquisition, Customer Retention, Relationship Management, Cross Selling, Kyc, Aml Compliance, Negotiation, Communication, Presentation Skills, Banking Operations
Specialization
Requires a bachelor's degree in Business, Marketing, or a related field with at least 3 years of experience in banking sales and marketing. Candidates must possess strong negotiation and communication skills and a proactive, results-oriented approach.
Experience Required
Minimum 2 year(s)
Branch Relationship Officer (North Metro Manila) at EastWest Bank
Manila, Metro Manila, Philippines - Full Time
Skills Needed
Sales Acquisition, Customer Retention, Relationship Management, Cross Selling, Kyc Compliance, Aml Laws, Negotiation, Communication, Presentation Skills, Deposit Product Marketing
Specialization
Requires a bachelor's degree in Business, Marketing, or a related field with at least 3 years of experience in banking sales and marketing. Candidates must possess strong negotiation and communication skills and a proactive, results-oriented approach.
Experience Required
Minimum 2 year(s)
Audit Officer - Head Office Audit at EastWest Bank
Manila, National Capital District, Philippines - Full Time
Skills Needed
Internal Auditing, Fraud Investigation, Compliance, Risk Management, Financial Management, Corporate Governance, Audit Planning, Iia Standards, Banking Operations, Treasury Audit, Investment Banking Audit, Wealth Management Audit
Specialization
Requires a degree in Accountancy, Internal Auditing, IT, or a related field, preferably with a CPA, CIA, CISA, or CFE certification. Candidates need 2-8 years of audit experience, ideally within the banking industry across various support units.
Experience Required
Minimum 5 year(s)
Exception Services Associate at BANK OF MARIN
Novato, California, United States - Full Time
Skills Needed
Banking Systems, Regulatory Compliance, Data Entry, Customer Service, Analytical Thinking, Mathematical Aptitude, Microsoft Excel, Microsoft Word, Microsoft Outlook, Written Communication, Verbal Communication, Problem Solving
Specialization
Requires a minimum of 1 year of related experience and a high school diploma or equivalent. Candidates must have knowledge of banking regulations such as Reg CC, E, J, and ACH, along with proficiency in Microsoft Office.
Product Manager at BANK OF MARIN
Novato, California, United States - Full Time
Skills Needed
Product Management Strategy, Data Analytics, Cross Functional Collaboration, Customer Experience, Digitalization, Business Requirements Analysis, Negotiation, Problem Solving, Time Management, Interpersonal Communication, Presentation Skills, Analytical Skills
Specialization
Candidates need 5-7 years of related experience and a bachelor's degree or equivalent training. Proficiency in banking products, business requirements analysis, and strong communication skills are required.
Experience Required
Minimum 5 year(s)
IT Audit Section Head - Information Systems Audit at EastWest Bank
Manila, National Capital District, Philippines - Full Time
Skills Needed
Internal Audit, Risk Management, Governance, Control, Accounting Principles, Bank Products, Regulatory Requirements, Fraud Investigation, Forensic Investigation, Report Writing, Analytical Ability, Supervision, Interviewing, Time Management, Teamwork, Conflict Resolution
Specialization
Requires a Bachelor's degree in Accountancy and a professional certification such as CPA, CIA, CISA, or CFE. A minimum of five years of experience in internal audit or bank operations is required.
Experience Required
Minimum 5 year(s)
Branch Operational Specialist at Orrstown Bank
Lancaster, Pennsylvania, United States - Full Time
Skills Needed
Risk Management, Cash Management, Atm Management, Client Experience, Cross Selling, Coaching, Training, Decision Making, Interpersonal Relations, Financial Review
Specialization
Requires a high school diploma and at least one year of banking experience, or six months with a bachelor's degree. Must possess strong communication, mathematical skills, and the ability to coach new hires.
ICAAP Recovery Planning Risk Management Team Lead at EastWest Bank
Makati, Metro Manila, Philippines - Full Time
Skills Needed
Icaap, Recovery Planning, Enterprise Stress Testing, Capital Adequacy, Risk Management, Regulatory Compliance, Governance, Financial Planning, Treasury Risk, Stakeholder Management, Data Integrity, Scenario Design
Specialization
Requires a Bachelor's degree in a quantitative field (Master's preferred) and 8-12 years of experience in risk or capital management within a regulated financial institution. Must have strong knowledge of Basel Pillar 2, BSP ICAAP guidelines, and recovery planning practices.
Experience Required
Minimum 10 year(s)
Risk Officer (Credit Risk) at EastWest Bank
Makati, Metro Manila, Philippines - Full Time
Skills Needed
Credit Risk Review, Financial Statement Analysis, Risk Rating Methodologies, Portfolio Risk Management, Credit Structuring, Regulatory Compliance, Stakeholder Management, Credit Governance, Underwriting Standards, Risk Assessment
Specialization
Candidates need a bachelor's degree in a business or finance-related field, with a master's degree highly preferred. Experience requirements range from 3-8 years of relevant credit risk or analysis experience depending on the seniority level.
Experience Required
Minimum 5 year(s)
Home Equity Senior Underwriter at Citizens Bank
, Rhode Island, United States - Full Time
Skills Needed
Credit Decisioning, Data Analysis, Problem Solving, Underwriting, Risk Mitigation, Income Calculation, Regulatory Compliance, Heloc Processing, Tax Return Analysis, Interpersonal Communication, Computer Proficiency, Detail Oriented
Specialization
Requires three to five years of related experience, preferably in home equity lending and processing. Candidates must possess strong analytical skills for complex income calculations and proficiency with automated underwriting systems.
Experience Required
Minimum 2 year(s)
At Your Service Representative at The Park Bank
Fitchburg, Wisconsin, United States - Full Time
Skills Needed
Customer Service, Active Listening, Verbal Communication, Written Communication, Technical Troubleshooting, Account Maintenance, Cash Handling, Crm Software, Microsoft Office, Spanish Fluency, Electronic Banking, Conflict Resolution
Specialization
A high school diploma or equivalent is required, along with exceptional customer service and communication skills. Prior banking experience, proficiency in Microsoft Office, and fluency in Spanish are preferred.
Mortgage Closing & Processing Specialist at Florence Bank
Northampton, Massachusetts, United States - Full Time
Skills Needed
Mortgage Closing, Loan Processing, Trid Compliance, Encompass, Automated Underwriting System, Financial Documentation Analysis, Closing Disclosures, Loan Estimates, Regulatory Compliance, Time Management, Problem Solving, Attention To Detail, Communication Skills, Organization, Microsoft Office, Freddie Mac Guidelines
Specialization
Requires a high school diploma or GED and 2-3 years of banking experience, with a preference for mortgage processing and Encompass experience. Candidates must have knowledge of TRID and general mortgage compliance.
Experience Required
Minimum 2 year(s)
Principal Red Team Operator at Citizens Bank
Iselin, New Jersey, United States - Full Time
Skills Needed
Red Teaming, Adversary Emulation, Purple Teaming, Cloud Security, Ai Security Testing, Exploitation, Privilege Escalation, Lateral Movement, Command And Control, Prompt Injection, Detection Engineering, Threat Intelligence
Specialization
Requires 4 to 8 years of offensive security experience with a focus on red team operations and adversary emulation. A bachelor's degree and advanced certifications like OSCP or OSEP are required or preferred.
Experience Required
Minimum 5 year(s)
Temporary Customer Contact Center Representative - The Villages at Seacoast Bank
The Villages, Florida, United States - Full Time
Skills Needed
Customer Service, Problem Solving, Relationship Building, Financial Product Promotion, Microsoft Office, Outlook, Word, Excel, Keyboarding, Mathematics, Letter Composition, Communication Skills
Specialization
Requires a high school diploma and at least one year of experience in customer service or retail. Proficiency in Microsoft Office and the ability to work flexible hours are essential.
TS Sales Associate at Citizens Bank
Johnston, Rhode Island, United States - Full Time
Skills Needed
Financial Modeling, Data Analytics, Excel, Generative Ai, Payment Analytics, Revenue Optimization, Performance Management, Market Research, Database Querying, Data Visualization, Pricing Models, Contract Management
Specialization
Requires a Bachelor's degree in Finance, Economics, or Business Analytics with over 5 years of experience in payments or financial services. Candidates must possess advanced Excel skills and fluency in generative AI tools.
Experience Required
Minimum 5 year(s)
Teller at Citizens Bank
Big Bend, Wisconsin, United States - Full Time
Skills Needed
Cash Handling, Customer Service, Cross Selling, Banking Transactions, Account Balancing, Professional Communication, Organizational Skills, Computer Literacy, Confidentiality, Teamwork, Accuracy
Specialization
Requires a High School Diploma or GED and at least 6 months of experience in customer service and cash handling. Proficiency in basic computer software and a high level of professionalism are essential.
Mortgage Documentation Specialist at Citizens Bank
Waukesha, Wisconsin, United States - Full Time
Skills Needed
Loan Origination Workflow, Mortgage Documentation, Regulatory Compliance, Closing Disclosures, Pipeline Management, Analytical Thinking, Time Management, Verbal Communication, Written Communication, Detail Oriented, Secondary Market Lock Processing, Interpersonal Skills
Specialization
Candidates must have a high school diploma and 1-3 years of mortgage processing or documentation experience. Proficiency with ICE Mortgage Technologies Encompass, Pricing Engine Integrations, Mavent, and MERS is required.
Experience Required
Minimum 2 year(s)
Collectn Recvry Sr Spec at Citizens Bank
Johnston, Rhode Island, United States - Full Time
Skills Needed
Account Servicing, Regulatory Compliance, Recovery Operations, Account Maintenance, Quality Review, Microsoft Office, Customer Service, Data Entry, Organizational Skills, Written Communication, Verbal Communication, Attention To Detail
Specialization
Requires a high school diploma or equivalent, with an associate's or bachelor's degree preferred. Candidates should possess strong attention to detail and proficiency in Microsoft Office, with preferred experience in banking or recovery operations.
Experience Required
Minimum 2 year(s)
Customer Support Representative at Citizens Bank
Mukwonago, Wisconsin, United States - Full Time
Skills Needed
Customer Service, Cross Selling, Account Maintenance, Electronic Banking Support, Verbal Communication, Multitasking, Listening Skills, Confidentiality, Account Reconciliation, Personal Banking
Specialization
Candidates must have a High School Diploma or GED and at least 2 years of personal banking experience. Knowledge of banking products and strong communication skills are required, while call center experience is preferred.
Experience Required
Minimum 2 year(s)
Marketing Generalist at Extraco Banks
Waco, Texas, United States - Full Time
Skills Needed
Campaign Planning, Content Creation, Social Media Management, Adobe Creative Cloud, Graphic Design, Email Marketing, Event Coordination, Customer Experience Reporting, Writing, Editing, Digital Marketing, Hubspot, Drupal 9, Photography, Videography, Project Management
Specialization
Candidates must have a bachelor's degree in Marketing, Graphic Design, or a related field and at least 3 years of professional experience. Proficiency in Adobe Creative Cloud and experience with social media analytics are required.
Experience Required
Minimum 2 year(s)
Branch Relationship Officer (Luzon Region) at EastWest Bank
Tarlac City, Tarlac, Philippines -
Full Time


Start Date

Immediate

Expiry Date

26 Sep, 26

Salary

0.0

Posted On

28 Jun, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Sales Acquisition, Customer Retention, Relationship Management, Cross-selling, KYC, AML Compliance, Negotiation, Communication, Presentation Skills, Banking Operations

Industry

Banking

Description
About the Job Location: Luzon Region Corporate Title: Junior Officer to Manager Work Arrangement: On-site Our Branch Banking Group is looking for experienced professionals to join us in EastWest stores across Luzon Region in the role of Branch Relationship Officer. In this role, you will be responsible in retaining and enhancing client relationships, striving to boost deposits through personalized sales approach, cross-selling initiatives, and proactive communication, while ensuring compliance and promptly addressing client needs. Your dream. Our focus. East West Banking Corporation (EastWest) is one of the largest universal banks in the Philippines, and is committed to continuously invest in people and in process, product, and service enhancements, and embrace new ideas to enhance the EastWest experience. We empower our employees to drive their careers and are committed to provide the runway for them to grow. We value teamwork and individual initiative. Join us and be part of a highly engaged team, and a workplace that promotes development and goal attainment. Whether you're just starting out, or already a seasoned professional, EastWest can help you unleash your potential, and bridge the gap between dream to success. What the role will entail Drive sales acquisition and customer retention efforts in line with the store's growth strategy Grow assigned managed accounts by deepening client relationships and improving share of wallet Promote and sell banking products and services to qualified clients to meet business targets Ensure full compliance with regulatory and internal policies through proper client identification (KYC), accurate documentation, and adherence to AML laws and BSP Circulars Maintain high standards in audit, risk, and customer service by delivering transparent, client-centric engagement What we're looking for Bachelor's degree in Business, Marketing, or any related field Requires at least 3 years of proven experience in sales and marketing of deposit products within the banking industry Open to candidates with extensive experience in Branch Banking operations or service delivery who are seeking to transition into a front-line sales position Must possess strong selling and negotiation skills, with preference given to candidates maintaining an active client portfolio within the designated area Possesses strong communication and presentation skills, coupled with resilience and a proactive, results-oriented approach What you can expect from joining our team Career development and training opportunities Competitive salary package and benefits Performance-based incentives and recognition programs to reward high-performing individuals Opportunity to work with industry experts and be mentored by them Defined career progression paths to guide you in your professional growth
Responsibilities
Responsible for retaining and enhancing client relationships to boost deposits through personalized sales and cross-selling initiatives. Ensures full compliance with regulatory policies, including KYC and AML laws, while maintaining high customer service standards.
Branch Relationship Officer (Luzon Region) at EastWest Bank
Tarlac City, Tarlac, Philippines - Full Time
Skills Needed
Sales Acquisition, Customer Retention, Relationship Management, Cross Selling, Kyc, Aml Compliance, Negotiation, Communication, Presentation Skills, Banking Operations
Specialization
Requires a bachelor's degree in Business, Marketing, or a related field with at least 3 years of experience in banking sales and marketing. Candidates must possess strong negotiation and communication skills and a proactive, results-oriented approach.
Experience Required
Minimum 2 year(s)
Branch Relationship Officer (North Metro Manila) at EastWest Bank
Manila, Metro Manila, Philippines - Full Time
Skills Needed
Sales Acquisition, Customer Retention, Relationship Management, Cross Selling, Kyc Compliance, Aml Laws, Negotiation, Communication, Presentation Skills, Deposit Product Marketing
Specialization
Requires a bachelor's degree in Business, Marketing, or a related field with at least 3 years of experience in banking sales and marketing. Candidates must possess strong negotiation and communication skills and a proactive, results-oriented approach.
Experience Required
Minimum 2 year(s)
Audit Officer - Head Office Audit at EastWest Bank
Manila, National Capital District, Philippines - Full Time
Skills Needed
Internal Auditing, Fraud Investigation, Compliance, Risk Management, Financial Management, Corporate Governance, Audit Planning, Iia Standards, Banking Operations, Treasury Audit, Investment Banking Audit, Wealth Management Audit
Specialization
Requires a degree in Accountancy, Internal Auditing, IT, or a related field, preferably with a CPA, CIA, CISA, or CFE certification. Candidates need 2-8 years of audit experience, ideally within the banking industry across various support units.
Experience Required
Minimum 5 year(s)
Exception Services Associate at BANK OF MARIN
Novato, California, United States - Full Time
Skills Needed
Banking Systems, Regulatory Compliance, Data Entry, Customer Service, Analytical Thinking, Mathematical Aptitude, Microsoft Excel, Microsoft Word, Microsoft Outlook, Written Communication, Verbal Communication, Problem Solving
Specialization
Requires a minimum of 1 year of related experience and a high school diploma or equivalent. Candidates must have knowledge of banking regulations such as Reg CC, E, J, and ACH, along with proficiency in Microsoft Office.
Product Manager at BANK OF MARIN
Novato, California, United States - Full Time
Skills Needed
Product Management Strategy, Data Analytics, Cross Functional Collaboration, Customer Experience, Digitalization, Business Requirements Analysis, Negotiation, Problem Solving, Time Management, Interpersonal Communication, Presentation Skills, Analytical Skills
Specialization
Candidates need 5-7 years of related experience and a bachelor's degree or equivalent training. Proficiency in banking products, business requirements analysis, and strong communication skills are required.
Experience Required
Minimum 5 year(s)
IT Audit Section Head - Information Systems Audit at EastWest Bank
Manila, National Capital District, Philippines - Full Time
Skills Needed
Internal Audit, Risk Management, Governance, Control, Accounting Principles, Bank Products, Regulatory Requirements, Fraud Investigation, Forensic Investigation, Report Writing, Analytical Ability, Supervision, Interviewing, Time Management, Teamwork, Conflict Resolution
Specialization
Requires a Bachelor's degree in Accountancy and a professional certification such as CPA, CIA, CISA, or CFE. A minimum of five years of experience in internal audit or bank operations is required.
Experience Required
Minimum 5 year(s)
Branch Operational Specialist at Orrstown Bank
Lancaster, Pennsylvania, United States - Full Time
Skills Needed
Risk Management, Cash Management, Atm Management, Client Experience, Cross Selling, Coaching, Training, Decision Making, Interpersonal Relations, Financial Review
Specialization
Requires a high school diploma and at least one year of banking experience, or six months with a bachelor's degree. Must possess strong communication, mathematical skills, and the ability to coach new hires.
ICAAP Recovery Planning Risk Management Team Lead at EastWest Bank
Makati, Metro Manila, Philippines - Full Time
Skills Needed
Icaap, Recovery Planning, Enterprise Stress Testing, Capital Adequacy, Risk Management, Regulatory Compliance, Governance, Financial Planning, Treasury Risk, Stakeholder Management, Data Integrity, Scenario Design
Specialization
Requires a Bachelor's degree in a quantitative field (Master's preferred) and 8-12 years of experience in risk or capital management within a regulated financial institution. Must have strong knowledge of Basel Pillar 2, BSP ICAAP guidelines, and recovery planning practices.
Experience Required
Minimum 10 year(s)
Risk Officer (Credit Risk) at EastWest Bank
Makati, Metro Manila, Philippines - Full Time
Skills Needed
Credit Risk Review, Financial Statement Analysis, Risk Rating Methodologies, Portfolio Risk Management, Credit Structuring, Regulatory Compliance, Stakeholder Management, Credit Governance, Underwriting Standards, Risk Assessment
Specialization
Candidates need a bachelor's degree in a business or finance-related field, with a master's degree highly preferred. Experience requirements range from 3-8 years of relevant credit risk or analysis experience depending on the seniority level.
Experience Required
Minimum 5 year(s)
Home Equity Senior Underwriter at Citizens Bank
, Rhode Island, United States - Full Time
Skills Needed
Credit Decisioning, Data Analysis, Problem Solving, Underwriting, Risk Mitigation, Income Calculation, Regulatory Compliance, Heloc Processing, Tax Return Analysis, Interpersonal Communication, Computer Proficiency, Detail Oriented
Specialization
Requires three to five years of related experience, preferably in home equity lending and processing. Candidates must possess strong analytical skills for complex income calculations and proficiency with automated underwriting systems.
Experience Required
Minimum 2 year(s)
At Your Service Representative at The Park Bank
Fitchburg, Wisconsin, United States - Full Time
Skills Needed
Customer Service, Active Listening, Verbal Communication, Written Communication, Technical Troubleshooting, Account Maintenance, Cash Handling, Crm Software, Microsoft Office, Spanish Fluency, Electronic Banking, Conflict Resolution
Specialization
A high school diploma or equivalent is required, along with exceptional customer service and communication skills. Prior banking experience, proficiency in Microsoft Office, and fluency in Spanish are preferred.
Mortgage Closing & Processing Specialist at Florence Bank
Northampton, Massachusetts, United States - Full Time
Skills Needed
Mortgage Closing, Loan Processing, Trid Compliance, Encompass, Automated Underwriting System, Financial Documentation Analysis, Closing Disclosures, Loan Estimates, Regulatory Compliance, Time Management, Problem Solving, Attention To Detail, Communication Skills, Organization, Microsoft Office, Freddie Mac Guidelines
Specialization
Requires a high school diploma or GED and 2-3 years of banking experience, with a preference for mortgage processing and Encompass experience. Candidates must have knowledge of TRID and general mortgage compliance.
Experience Required
Minimum 2 year(s)
Principal Red Team Operator at Citizens Bank
Iselin, New Jersey, United States - Full Time
Skills Needed
Red Teaming, Adversary Emulation, Purple Teaming, Cloud Security, Ai Security Testing, Exploitation, Privilege Escalation, Lateral Movement, Command And Control, Prompt Injection, Detection Engineering, Threat Intelligence
Specialization
Requires 4 to 8 years of offensive security experience with a focus on red team operations and adversary emulation. A bachelor's degree and advanced certifications like OSCP or OSEP are required or preferred.
Experience Required
Minimum 5 year(s)
Temporary Customer Contact Center Representative - The Villages at Seacoast Bank
The Villages, Florida, United States - Full Time
Skills Needed
Customer Service, Problem Solving, Relationship Building, Financial Product Promotion, Microsoft Office, Outlook, Word, Excel, Keyboarding, Mathematics, Letter Composition, Communication Skills
Specialization
Requires a high school diploma and at least one year of experience in customer service or retail. Proficiency in Microsoft Office and the ability to work flexible hours are essential.
TS Sales Associate at Citizens Bank
Johnston, Rhode Island, United States - Full Time
Skills Needed
Financial Modeling, Data Analytics, Excel, Generative Ai, Payment Analytics, Revenue Optimization, Performance Management, Market Research, Database Querying, Data Visualization, Pricing Models, Contract Management
Specialization
Requires a Bachelor's degree in Finance, Economics, or Business Analytics with over 5 years of experience in payments or financial services. Candidates must possess advanced Excel skills and fluency in generative AI tools.
Experience Required
Minimum 5 year(s)
Teller at Citizens Bank
Big Bend, Wisconsin, United States - Full Time
Skills Needed
Cash Handling, Customer Service, Cross Selling, Banking Transactions, Account Balancing, Professional Communication, Organizational Skills, Computer Literacy, Confidentiality, Teamwork, Accuracy
Specialization
Requires a High School Diploma or GED and at least 6 months of experience in customer service and cash handling. Proficiency in basic computer software and a high level of professionalism are essential.
Mortgage Documentation Specialist at Citizens Bank
Waukesha, Wisconsin, United States - Full Time
Skills Needed
Loan Origination Workflow, Mortgage Documentation, Regulatory Compliance, Closing Disclosures, Pipeline Management, Analytical Thinking, Time Management, Verbal Communication, Written Communication, Detail Oriented, Secondary Market Lock Processing, Interpersonal Skills
Specialization
Candidates must have a high school diploma and 1-3 years of mortgage processing or documentation experience. Proficiency with ICE Mortgage Technologies Encompass, Pricing Engine Integrations, Mavent, and MERS is required.
Experience Required
Minimum 2 year(s)
Collectn Recvry Sr Spec at Citizens Bank
Johnston, Rhode Island, United States - Full Time
Skills Needed
Account Servicing, Regulatory Compliance, Recovery Operations, Account Maintenance, Quality Review, Microsoft Office, Customer Service, Data Entry, Organizational Skills, Written Communication, Verbal Communication, Attention To Detail
Specialization
Requires a high school diploma or equivalent, with an associate's or bachelor's degree preferred. Candidates should possess strong attention to detail and proficiency in Microsoft Office, with preferred experience in banking or recovery operations.
Experience Required
Minimum 2 year(s)
Customer Support Representative at Citizens Bank
Mukwonago, Wisconsin, United States - Full Time
Skills Needed
Customer Service, Cross Selling, Account Maintenance, Electronic Banking Support, Verbal Communication, Multitasking, Listening Skills, Confidentiality, Account Reconciliation, Personal Banking
Specialization
Candidates must have a High School Diploma or GED and at least 2 years of personal banking experience. Knowledge of banking products and strong communication skills are required, while call center experience is preferred.
Experience Required
Minimum 2 year(s)
Marketing Generalist at Extraco Banks
Waco, Texas, United States - Full Time
Skills Needed
Campaign Planning, Content Creation, Social Media Management, Adobe Creative Cloud, Graphic Design, Email Marketing, Event Coordination, Customer Experience Reporting, Writing, Editing, Digital Marketing, Hubspot, Drupal 9, Photography, Videography, Project Management
Specialization
Candidates must have a bachelor's degree in Marketing, Graphic Design, or a related field and at least 3 years of professional experience. Proficiency in Adobe Creative Cloud and experience with social media analytics are required.
Experience Required
Minimum 2 year(s)
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