דרושים Head Europe & Uk Network - Core Trade Documentary Director ב-Citi Group ב-United Kingdom, London

This role is the EMEA head of Production Services for Citi’s Crown Jewel - Treasury and Trade Services (TTS) Payment Technology and involves the following responsibilities:

• Senior Stakeholder management - facing off to cluster heads, payments product EXCO, technology & ops heads

• Production Management for the complex and diverse EMEA clusters - 50 countries encompassing 350 production applications, multiple branches, Critical Business Services and FMIs & Clearing systems.

• Manage the complex Payments Regulatory Environment for UK and CEP legal entities – responsible for ensuring accurate and timely PSD and DORA reporting.

• Director level senior coverage for EMEA overlapping with NAM and Asia; this will allow us provide global follow the sun senior management capability for payments production management

• Responsible for EMEA rollouts of modernized strategic payment platforms

• Drive stability and resiliency across EMEA payment flows

Additional Responsibilities:

• Establishes strategic plans for function.

• Evaluates subordinates' performance and makes decisions on pay increases, hiring, terminations and other personnel actions.

• Influences and negotiates with senior leaders (across functions); may communicate with external parties

• Management responsibility for a team or multiple teams, including management of people, budget and planning, performance evaluation, compensation, hiring, disciplinary actions and terminations and budget approval.

• Performs other duties and functions as assigned

• Own and lead disaster recovery plans.

• Lead and deliver local staff forums, present global, regional and location news encouraging global collaboration.

• Contribute to define and Implement standard methodologies for the department. Ensure transparency and consistency across teams in the region and globally.

• Ensure team adheres to standard methodologies and process including driving compliance to clockwork, resilience and capacity planning

• Develop positive relationship with the infrastructure & other functional support teams to drive efficiency

• Set measurable / challenging goals for self and team ensuring continuous improvement and self-development of staff

• Ensure development plans are in place for staff

Qualifications:

• Relevant advanced level experience in a leadership role, with extensive experience in business, functional and people management.

• Experience of senior stakeholder management

• Quality orientation with a strong eye for detail

• Process driven approach with an appreciation of industry best practice

• Detailed-oriented, with strong analytical skills

• Develops and maintains effective and positive working relationship with peers, stakeholders and management

• Pro-active, organized, thorough and energetic

• Excellent communicator, presenting to senior management level stakeholders

• Manager of managers in a diverse distributed environment

• Demonstrable track record of impactful organizational improvement

• Demonstrable senior Application Support or Project Management experience relating to distributed teams and managing managers

• Drive and determination: Demonstrates self-motivation and drive and shows determination to achieve goals

• Effectively share information with other support team members and with other technology teams

• Ability to plan and organize workload

• Consistently demonstrates clear and concise written and verbal communication skills

• Ability to communicate appropriately to relevant stakeholders

Education:

• Bachelor’s/University degree/ Master’s degree preferred and managerial experience

What we’ll provide you:

By joining Citi, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed), and enjoy a whole host of additional benefits such as:

• 27 days annual leave (plus bank holidays)

• A discretional annual performance related bonus

• Private Medical Care & Life Insurance

• Employee Assistance Program

• Pension Plan

• Paid Parental Leave

• Special discounts for employees, family, and friends

• Access to an array of learning and development resources

Time Type:

By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.

The role includes overseeing the obligations of the Senior Managers and Certification Regime (SMCR), which set standards of professional conduct for all individuals working in UK financial services, designed to enhance accountability and improve conduct within financial services firms and ensure that certain individuals in financial firms are competent and fit for their roles.

• A key role within the UK Cluster, this reports directly to the UK Cluster Head (MD) at Director level and will be part of the UK Cluster leadership team, with a mandate to manage the UK Controls teams, support the local business risk agenda, and drive execution to meet local governance and regulatory requirements and changes.
• The UK Cluster Director leads the identification of opportunities to enhance our regulatory and controls environment for key risks relevant to the cluster and provides subject matter expertise and support across the cluster to the business, as required.
• The role also has a matrix into the Global Head of Services C&RM Head and will be part of the Global C&RM leadership team and will work closely with key stakeholders and partners across Citi.
• Expertise in risk management, along with deep knowledge of UK regulation and financial products, the Certification Regime and the Conduct Rules is a must.

What you’ll do:

• Lead a team of UK-based based Controls professionals, including those dedicated to the SMCR, Governance and Conduct agendas, as well as related Risk and Regulation training.
• Act as key point of contact across the UK Franchise and support initiatives and agendas arising in the UK.
• Responsibility to monitor compliance with and any associated or secondary regulation across the UK.
• Identify enhancements to documentation, controls and / or processes in place to comply with local governance and risk requirements and associated regulation.
• Lead escalation for UK Cluster senior management in Citi in line with firmwide guidelines.
• Act as a key resource for UK Cluster to advise and support on the effective design and implementation of key controls and processes across relevant risk stripes.
• Co-ordinate and manage compliance monitoring routines or internal audits related to the cluster.
• Serve as a key contributor to relevant Franchise and Services forums.

What we’ll need from you:

Knowledge/ Experience:

• Significant expertise of Operational Risk Management and other regulatory related functions within Financial Services sector.
• Deep understanding of Operational Risk and related frameworks as they relate to the banking sector is required, as is a working knowledge of the UK Regulatory environment/regime which comprises the Senior Managers Regime, the Certification Regime and the Conduct Rules
• Proven record in monitoring compliance to regulation including controls and process mapping within the MCA construct.
• Excellent business acumen, and ability to quickly understand multiple areas within a function and across functions, and how they interact in order to achieve the objective of the processes.
• Education: Bachelor’s Degree is required.

Competencies:

• Ability to work effectively and drive results.
• Ability to interact and communicate effectively with Senior leaders, Cluster and Product managers and wider partner areas.
• Proven ability to direct and manage high performing teams.
• Strong track record of effectively assessing and managing competing priorities to deliver high quality and timely work.
• Comfortable navigating complex, highly matrixed organizations.
• Excellent written, verbal, and analytical skills.
• Excellent Microsoft Office skills and be an advanced user of MS PowerPoint, Excel, SharePoint, and Project.
• Planning and scheduling skills sufficient to be effective in prioritizing and meeting deadlines.
• Horizon scanning skills and the ability to adapt to new regulation in the pipeline and drive change in processes.

What we can offer you:

• The chance to be part of a flexible team that values its people, encourages ownership of work, wants to hear your ideas, values diversity and where you can feel confident that you can bring your whole self to work.
• The role is Cluster in nature and will entail developing relationships and working with senior stakeholders across multiple countries, products, and control functions in UK, Europe, MEA as well as Globally
• The opportunity to monitor Citi’s compliance with regulatory requirements across multiple financial products and countries in the UK.

By joining Citi London, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed), and enjoy a whole host of additional benefits such as:

• Generous holiday allowance starting at 27 days plus bank holidays; increasing with tenure
• A discretional annual performance related bonus
• Private medical insurance packages to suit your personal circumstances
• Employee Assistance Program
• Pension Plan
• Paid Parental Leave
• Special discounts for employees, family, and friends
• Access to an array of learning and development resources

Time Type:

This role is the EMEA head of Production Services for Citi’s Crown Jewel - Treasury and Trade Services (TTS) Payment Technology and involves the following responsibilities:

• Senior Stakeholder management - facing off to cluster heads, payments product EXCO, technology & ops heads

• Production Management for the complex and diverse EMEA clusters - 50 countries encompassing 350 production applications, multiple branches, Critical Business Services and FMIs & Clearing systems.

• Manage the complex Payments Regulatory Environment for UK and CEP legal entities – responsible for ensuring accurate and timely PSD and DORA reporting.

• Director level senior coverage for EMEA overlapping with NAM and Asia; this will allow us provide global follow the sun senior management capability for payments production management

• Responsible for EMEA rollouts of modernized strategic payment platforms

• Drive stability and resiliency across EMEA payment flows

Additional Responsibilities:

• Establishes strategic plans for function.

• Evaluates subordinates' performance and makes decisions on pay increases, hiring, terminations and other personnel actions.

• Influences and negotiates with senior leaders (across functions); may communicate with external parties

• Management responsibility for a team or multiple teams, including management of people, budget and planning, performance evaluation, compensation, hiring, disciplinary actions and terminations and budget approval.

• Performs other duties and functions as assigned

• Own and lead disaster recovery plans.

• Lead and deliver local staff forums, present global, regional and location news encouraging global collaboration.

• Contribute to define and Implement standard methodologies for the department. Ensure transparency and consistency across teams in the region and globally.

• Ensure team adheres to standard methodologies and process including driving compliance to clockwork, resilience and capacity planning

• Develop positive relationship with the infrastructure & other functional support teams to drive efficiency

• Set measurable / challenging goals for self and team ensuring continuous improvement and self-development of staff

• Ensure development plans are in place for staff

Qualifications:

• Relevant advanced level experience in a leadership role, with extensive experience in business, functional and people management.

• Experience of senior stakeholder management

• Quality orientation with a strong eye for detail

• Process driven approach with an appreciation of industry best practice

• Detailed-oriented, with strong analytical skills

• Develops and maintains effective and positive working relationship with peers, stakeholders and management

• Pro-active, organized, thorough and energetic

• Excellent communicator, presenting to senior management level stakeholders

• Manager of managers in a diverse distributed environment

• Demonstrable track record of impactful organizational improvement

• Demonstrable senior Application Support or Project Management experience relating to distributed teams and managing managers

• Drive and determination: Demonstrates self-motivation and drive and shows determination to achieve goals

• Effectively share information with other support team members and with other technology teams

• Ability to plan and organize workload

• Consistently demonstrates clear and concise written and verbal communication skills

• Ability to communicate appropriately to relevant stakeholders

Education:

• Bachelor’s/University degree/ Master’s degree preferred and managerial experience

What we’ll provide you:

By joining Citi, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed), and enjoy a whole host of additional benefits such as:

• 27 days annual leave (plus bank holidays)

• A discretional annual performance related bonus

• Private Medical Care & Life Insurance

• Employee Assistance Program

• Pension Plan

• Paid Parental Leave

• Special discounts for employees, family, and friends

• Access to an array of learning and development resources

Time Type:

The UK Financial Insurances Group (FIG) FinTech Investment Banking Senior Associate (the “Associate”) is an intermediate level position responsible for providing strategic advisory services to clients.

The Investment Banking Associate is required to contribute to industry specialist support for FIG/Fintech’s across EMEA and work with Senior Bankers across EMEA in business origination and execution across Citi’s product set, with particular focus on episodic M&A transactions, strategic financing initiatives and access to the capital markets.

Responsibilities:

• Leverage past investment banking or related experience to enhance M&A execution and capital raising capabilities
• Member of deal team for the origination and execution of episodic and Corporate Finance transactions involving clients across EMEA
• Responsible for staying abreast of market and industry trends, “best practices” and competitive landscape
• Day-to-day responsibilities include developing client pitch materials tailored to meet client needs, lead execution of episodic transactions / financings and foster and leverage on-going relationships across the EMEA region
• Responsible for evaluating public filings, research reports, operations, business plans, and financial forecasts to produce strategic and financial analyses
• The Associate will develop (i) in-depth understanding of the dynamics of the business, (ii) an understanding of clients’ priorities with the aim of identifying appropriate marketing opportunities and (iii) strong relationships internally with key product, risk and regional partners.
• Manage and mentor analysts by providing detailed guidance and feedback, managing information flow, and providing credit and exposure information to analyst, as appropriate

Qualifications:

• Strong FIG/Fintech Investment Banking experience
• Consistently demonstrates clear and concise written and verbal communication skills
• Experience assisting with client development
• Ability to work under pressure in a rapidly changing environment in order to meet deadlines

Education:

• Bachelor’s degree/University degree or equivalent experience

Under the guidance provided by the FCA and PRA, firms should have regard to the following when assessing fitness and propriety:

Honesty, integrity and reputation

Financial soundness

Competence and capability

In order to comply with the requirements of the Certification Regime, certain Citi entities must take reasonable care to ensure that an employee does not perform a Certified Role without first being certified as Fit and Proper. For this reason, you will be assessed for this role against the Fit and Proper requirements, as described above. This assessment will be carried out through extensive interviews, self-disclosures, permitted criminal record checks, reference checks, credit checks and other background checks. If hired for this role, you will also be required to complete an annual declaration regarding your Fitness and Propriety.

By submitting your application, you acknowledge that you have read the information above and that you are applying for a Certified Role. You also agree to Citi carrying out any additional screening required, including permitted criminal record checks, reference checks, credit checks and any other background checks.

Time Type:

Implement Enhanced Testing and Recovery:

• Oversee the implementation and execution of Production Swing testing for critical applications, ensuring applications run from their alternate site for a minimum of 5 days.

• Implement and oversee Data Recovery testing, ensuring applications can recover critical data from backup solutions within the defined Impact Tolerance (ITOL).

• Drive the onboarding of critical applications to the One-Touch Recovery orchestration solution.

• Minimize the Recovery Time Actual (TRTA) for critical applications.

Design and Architecture:

• Champion resilient application design by advocating for and integrating resiliency principles into architectures, and promoting the use of established resiliency patterns.

• Leverage cloud-native services and features to enhance application resiliency. This includes services for auto-scaling, load balancing, and disaster recovery.

• Explore and implement chaos engineering practices to proactively identify and address system weaknesses under stress.

Proactive Vulnerability Management:

• Proactively identify vulnerabilities through regular architecture reviews, comprehensive scenario testing, and foundational testing.

• Document and demonstrate mitigation efforts for all discovered vulnerabilities. This includes developing remediation plans, implementing necessary changes, and validating the effectiveness of mitigations.

• Ensure that all identified vulnerabilities have remediation plans scheduled.

Operational Resilience Adherence:

• Ensure that all critical applications adhere to operational resilience testing and recovery requirements.

• Collaborate with relevant stakeholders to define and maintain appropriate impact tolerances for critical business services.

Performance Measurement and Reporting:

• Monitor and report on key resilience metrics, including the number of applications executing production swing tests, the number of applications on One-ouch Recovery, recovery times and adherence to operational resilience requirements.

• Provide regular updates to senior management on the status of resilience initiatives and key performance indicators.

Key Qualifications:

• Relevant professional software engineering experience - and in particular in SRE roles

• Expertise analyzing complex application, database, network, and OS issues across a distributed large scale customer facing systems

• Strong communication skills and ability to work effectively across multiple business and technical team

• Experience in Java, .NET, Maven, Gradle, Jenkins, Helm, Puppet, Chef, Ansible, Kubernetes, AWS, Splunk, Prometheus

• BS degree in computer science or equivalent field

What we’ll provide you:

By joining Citi, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed), and enjoy a whole host of additional benefits such as:

• 27 days annual leave (plus bank holidays)

• A discretional annual performance related bonus

• Private Medical Care & Life Insurance

• Employee Assistance Program

• Pension Plan

• Paid Parental Leave

• Special discounts for employees, family, and friends

• Access to an array of learning and development resources

Time Type:

Role Overview

The Global Head of Public Sector Group (PSG) is responsible for the global leadership of banking teams that serve central, state, and local governments, public asset managers, state owned enterprises, and development organizations. The role requires extensive engagement internally and externally, developing and maintaining senior client relationships by understanding clients’ needs and delivering the best of Citi. The role has combined direct management responsibility and oversight for of more than 100 bankers globally and requires the integration of shared corporate bankers in every network country, CCO’s as senior PS bankers with the global PS banking team for an effective coverage model. relationships. This role is a member of the Corporate Bank Executive Committee and reports directly to the co-heads of Citi’s Corporate Bank.

Job Description

This global leadership role encompasses strategic business development, client relationship management, and thought leadership within the public sector. The individual will be responsible for the following:

• Attract, develop and retain top, diverse Public Sector banking talent. Foster mentorship and talent management globally for all bankers and CCO’s covering PS.
• Develop and execute a client -driven franchise growth strategy that drives sustainable and profitable growth and maintains and extends leadership wallet share position (top #3)
• Lead team in analyzing market trends to identify growth opportunities and lead co-development of PS segment specific solutions in partnership with key product areas and other industry groups (Examples: Markets solutions JV and JV with industrials on Defense Financing solutions).
• Drive thought leadership and engage in policy development for key themes important to PS clients. Represent Citi and increase brand visibility at key global events.
• Drive effective planning, coordination, oversight and execution of all PS segment growth strategies in partnership with global and regional partners (product, banking, franchise, client, risk, compliance, legal, GGA, etc.).
• Develop senior trusted advisor relationship with key clients and countries consistently seeing them 3 – 4 x a year.
• Work in partnership with CCO’s/International Cluster heads to make sure we achieve Trusted Advisor where needed to drive growth plans .
• Ensure efficient capital allocation and delivery of targeted returns, partnering with GCM and Risk.
• Ensure ethical conduct and transparency in all business practices. Effectively identify, escalate and manage all risk and control issues. Understand and effectively manage the heightened role of franchise risk associated with PS transactions.
• Have a broad, strategic mindset on how PS franchise should connect with all other industry groups and own how to achieve success for all clients and the franchise/countries being served. Actively contribute to all banking key governance forums and strategic planning processes.
• Own strategy development, origination and execution across the entire wallet of all PS clients. Work closely with IB industry groups to identify strategic transactions.

Knowledge/Experience:

• Extensive client interaction at senior level and/or relevant product experience
• Full knowledge of entire suite of products and possess a corporate finance mindset.
• Proven track record of deal origination and structuring.
• Consistently deliver on revenue and budget targets.
• Strong credit skills and experience, particularly for sovereign credits
• Deep geographic, political, macro-economic and cultural understanding of the emerging markets. Deep understanding of US government including key agencies and those of other countries.
• Understanding of the evolving space of development finance and development finance at the regional and country level, in addition to key MDB’s (World Bank, ADB, etc.)

Skills:

• Leadership - Demonstrated ability to lead a large, complex global organization with vision and purpose and proven track record of success.
• Vision and Proactive Action: Ability to quickly translate trends, themes into new business opportunities and re-direct resources to drive executionAnalytical - Assimilating new information quickly and relating it to the needs of the client base.
• Organizational - Managing business across a large client portfolio with diverse client teams.
• Verbal and Written - Communicating the detail of complex client relationship and situations to a broad range of internal contacts.
• Team Player - Strong interpersonal and influencing skills. Someone whose motives and desire to drive collective success for Citi is clearly demonstrated in how they drive the business.

Qualifications:

• Extensive level of experience in financial services, and in serving large and complex clients.
• Experience in people management, both in direct management and in systems leadership across large multi-team groups.
• Strong Corporate Finance and Credit Experience (10+ years). Existing SCO preferred.
• In-depth experience and understanding of banking products – loans / debts (short and long-term), capital management, cash management, trade products; corporate and structured finance; DCM; derivatives products, and investment banking offerings (advisory, equity).
• Demonstrated ability to balance between internal management and external client time
• Demonstrated understanding of compliance issues and regulatory requirements (global and local).
• Proven leadership skills and strategic thinking – ability to create momentum with a collective agenda balancing multiple products, stakeholders and priorities. Translate vision into executable plans.
• Demonstrated intellectual interest in public sector challenges and topics, and a willingness to lead Citi’s organizational response to future changes.
• Proven analytical and problem-solving skills with a pragmatic approach to optimizing limited resources.
• FINRA licenses (SIE, S79, S63, S24) if based in the US.

Education:

• Bachelor's degree/University degree or equivalent experience
• Master's/MBA degree preferred from a top economics, business, or financial engineering program

The Certification Regime is one element of the Individual Accountability Regime which came into effect on 7 March 2016.

Under the guidance provided by the FCA and PRA, firms should have regard to the following when assessing fitness and propriety:

• Honesty, integrity and reputation

• Financial soundness

• Competence and capability

In order to comply with the requirements of the Certification Regime, Citi entities must take reasonable care to ensure that an employee does not perform a Certified Role without first being certified as Fit and Proper. For this reason, you will be assessed for this role against the Fit and Proper requirements, as described above.

This assessment will be carried out through extensive interviews, self-disclosures, permitted criminal record checks, regulated reference checks, credit checks and other background screening checks.

Time Type:

This role will be to drive development and design of the Equities' Risk Management Architecture. The role requires a recognized subject matter expert of Risk Management and associated Risk architecture design as well as strong commercial awareness, to drive prioritization to achieve the business objectives. First-hand experience in trading derivatives and risk platform development will be a pre-requisite. Excellent communication skills are required to negotiate and challenge internally, often at a senior level. The person in the role is expected to provide advanced judgment and conduct in-depth quantitative or qualitative analysis to solve problems and develop new, innovative solutions. They are required to think beyond existing solutions or assumptions, to drive strategic progress. There will be a significant impact on the growth of the Equities business through making those decisions that determine how the business represents and manages risk across all its trading products.

Responsibilities:

• Responsible for all activities related to the development of new products and/or features and functionality of products including developing business cases, requirements definition (BRDs), product enhancements innovation, feature and functionality definition based on market and industry research and trends and client needs

• This role manages the end-to-end product development lifecycle and will also scope product releases, agreeing to and tracking business priorities, incorporating regulatory and compliance requirements and investment tracking

• This role will also define and manage product development processes, scope product releases, identify new opportunities to address business priorities, incorporating regulatory and compliance requirements and investment tracking

• Creates a product vision aligned to business priorities and corresponding roadmap to delivery

• Follows market, industry, and client trends to own field and adapts them for application Citi’s products and solutions platforms

• Conceptualizes, plans, prioritizes, coordinates design and delivery of products or features to product release, and serves as product ambassador within user community

• Works in close co-ordination with Technology, Business Managers, Sales and senior stakeholders to fulfil the delivery objectives

• Manages and implements a wide variety of products and solutions

• Has responsibility to deliver significant direct business results and authoritative advice regarding product development that necessitates a degree of responsibility over technical strategy

• Partners with senior business leaders and a widely distributed global user community to define and implement solutions

• Creates clear and specific project plans, business, and technical requirements documents for product execution

• Has direct interaction with business managers, technology, and sales to understand their long-term vision, discuss industry trends, and incorporate them into the product & solutions strategy

• Focuses on controls and governance, including performing Need-to-Know based security and access reviews, Access Approvals, controls testing and documentation

• Appropriately assess risk when business decisions are made, demonstrating 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:

• Detailed and extensive experience in Derivatives Trading and platform development

• Proven track record of successfully managing in a large and complex business

• Intellectual curiosity, analytical and conceptual

• Proactively seeks and develops new opportunities

• Thorough financial acumen and P&L management experience

• Excellent analytical, interpretive and problem-solving skills

• Proven track record of bringing diverse groups and perspectives to work against a common goal

• Ability to maintain momentum and minimize client attrition

• Ability to establish and maintain senior client relationships and to work across multiple facets of Citi businesses

• Process Management knowledge with a propensity for detail and comprehensiveness of content

• Ability to collaborate and clearly communicate with senior members of an organization

• Project Management skills with experience leading large cross functional initiatives

• Proven track record as change agent, with ability to encourage and embrace innovative ideas and solutions

• Knowledge of Forecasting platforms, database management and tools is preferred, not required

• Self-aware with ability to adapt to various situations, rapidly assimilate and report on complex information while creating a future vision

Education:

• Bachelor’s/University degree, Master’s degree or equivalent preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Under the guidance provided by the FCA and PRA, firms should have regard to the following when assessing fitness and propriety:

In order to comply with the requirements of the Certification Regime, certain Citi entities must take reasonable care to ensure that an employee does not perform a Certified Role without first being certified as Fit and Proper. For this reason, you will be assessed for this role against the Fit and Proper requirements, as described above. This assessment will be carried out through extensive interviews, self-disclosures, permitted criminal record checks, reference checks, credit checks and other background checks. If hired for this role, you will also be required to complete an annual declaration regarding your Fitness and Propriety.

By submitting your application, you acknowledge that you have read the information above and that you are applying for a Certified Role. You also agree to Citi carrying out any additional screening required, including permitted criminal record checks, reference checks, credit checks and any other background checks.

Time Type: