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business unit compliance officer wb

YES BANK

<div>
 &ldquo;The role of &ldquo;Wholesale Banking - Business Unit Compliance Officer (WB BUCO)&rdquo; is to reinforce the compliance culture in Wholesale Banking and proactively addressing regulatory and operational risk minimizing losses and providing operational stability. It encompasses implementation of regulatory guidelines within all Wholesale Banking Business and Product units, viz. Large Corporates, Mid-Corporates, Financial Institutions, Government Institutions, Multinational Corporates, Transaction Banking, Project Finance, and Loan Syndication, working in close coordination with Central Compliance and Operational Risk Management units&rdquo;
 
 
 
 Importance of WB BUCO role
 
 
 
 <ul>
 <li>
 Strengthens Compliance Culture - Reinforces the Bank&rsquo;s &ldquo;Zero Tolerance&rdquo; to compliance and operational risks.
 </li>
 <li>
 Mitigates Risks - Helps identify assess and address compliance risks proactively.
 </li>
 <li>
 Ensures Business Stability - Protects the Bank from legal, financial and reputational harm.
 </li>
 <li>
 Effective management of Operational risk - Enhances monitoring and accountability within each unit in Wholesale Banking by proactive identification, assessment and mitigation of risks arising from internal and external events.
 
 
 </li>
 </ul>
 
 Roles &amp; Responsibilities
 
 
 
 <ul>
 <li>
 Ideal candidate should possess sound Business acumen and Business understanding of All client segments and product units within Wholesale Banking domain (Large &amp; Mid-Corporates, Financial Institutions, Government Institutions, and Multinational Corporates, Transaction Banking, Project Finance, and Loan Syndication) and must have a flair for governance and control.
 </li>
 <li>
 Be a one point contact to provide on ground support to business/ product/operations teams on their queries pertaining to RBI regulations.
 </li>
 <li>
 Works as a bridge between Business and Central compliance team for effective implementation of regulatory guidelines.
 </li>
 <li>
 Ensure timely submission of Business data sought for regulatory compliances.
 </li>
 <li>
 Review of the response to regulatory correspondence and ensure timely submission of responses.
 </li>
 <li>
 Ensure timely closure of pending open issues and verification of evidences to ensure that the open points are closed adequately.
 </li>
 <li>
 Ensure timely submission of product and process notes for approval of Product and Process Approval Committee.
 </li>
 <li>
 Ensure timely reporting and booking of losses due to operational risk events.
 </li>
 <li>
 Ensure timely reporting of frauds/notices from Law Enforcement Agencies.
 </li>
 <li>
 Conduct Root Cause Analysis (RCA) and implementation of risk mitigation measures for High and Significant operational risk events.
 </li>
 <li>
 Ensure timely review and comprehensive submission of Business Continuity Plan and conducting Business Continuity testing as per the scheduled plans.
 </li>
 </ul>
</div>

Business Unit Compliance Officer WB

IndusInd Bank

<div>
 
 
 About the Role:
 
 
 
 
 
 <ul>
 <li>
 We are looking for a motivated Compliance &amp; Assurance Officer with 5&ndash;6 years of experience in regulatory compliance, preferably within the banking, NBFC, or insurance sectors. The candidate will support the Business unit Compliance team in implementing regulatory requirements, conducting risk assessments, and maintaining internal policies and procedures.
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 The role will report into the Business Unit Head- Compliance at IndusInd and will interface with stakeholders from legal, risk teams, product teams, other business teams and mid-level management to build compliance policies and implement procedures. As such, the role demands that you are a professional of high ethical standards with prior regulatory compliance experience and are able to work diligently to complete your duties either independently or otherwise, keeping in mind the objectives of IndusInd.
 </li>
 </ul>
 
 
 
 <ul>
 <li>
 You must be comfortable communicating with various stakeholders to deliver compliance objectives and be result-oriented to ensure that your requirements are delivered on time. The mission would be to ideate and implement industry defining compliance standards and practices at IndusInd.
 </li>
 </ul>
 
 
 
 
 
 Key Responsibilities:
 
 
 <ul>
 <li>
 Assist in identifying compliance risks and support mitigation efforts in collaboration with business teams.
 </li>
 <li>
 Help track regulatory changes and support impact analysis and implementation across relevant departments.
 </li>
 <li>
 Participate in periodic reviews of processes to assess compliance status and suggest improvements.
 </li>
 <li>
 Support product teams in ensuring regulatory compliance during product development and launch.
 </li>
 <li>
 Assist in conducting compliance self-assessments and risk assessments under guidance.
 </li>
 <li>
 Help maintain and update compliance-related policies and SOPs.
 </li>
 <li>
 Represent the Business Unit compliance team in internal meetings and support documentation for external forums.
 </li>
 <li>
 Support compliance checks related to underwriting, issuance, and intermediary documentation.
 </li>
 <li>
 Help reconcile compliance data and maintain audit trails for compliance processes.
 </li>
 <li>
 Participate in technical audits and support audit documentation and responses.
 </li>
 <li>
 Understand the various data definitions and terminologies and educate the stakeholders such as DB and Tech, as required.
 </li>
 <li>
 Contribute to periodic and ad-hoc reporting for regulatory bodies and internal stakeholders.
 </li>
 <li>
 Learn and understand business processes and IT systems relevant to compliance operations.
 </li>
 </ul>
 
 
 
 
 
 Ideal Candidate Profile:
 
 
 <ul>
 <li>
 5&ndash;6 years of experience in compliance, regulatory affairs, or risk management.
 </li>
 <li>
 Familiarity with regulatory frameworks applicable to financial services.
 </li>
 <li>
 Strong organizational and communication skills.
 </li>
 <li>
 Ability to work collaboratively and manage multiple tasks.
 </li>
 <li>
 Willingness to learn and grow within a structured compliance environment.
 </li>
 <li>
 Ethical mindset and attention to detail.
 </li>
 </ul>
 
 
</div>

Compliance & Assurance Officer

Reliance Industries Limited

<div>
 
 Job Description
 
 
 
 
 Job Role:
 
 Head - Procurement &amp; Contracting
 
 
 
 Job Role ID
 
 
 
 
 SECTION I: BASIC INFORMATION ABOUT THE JOB ROLE
 
 
 
 
 Job Role Variant:
 
 Head - P&amp;C Materials
 
 
 
 Manager Job Position:
 
 Chief Procurement Officer (CPO)
 
 
 
 Job Position ID
 
 
 
 
 Value Stream:
 
 Money, Materials &amp; Compliance
 
 
 
 Job Family:
 
 Procurement &amp; Contracts
 
 
 
 Sub-Job Family:
 
 Procurement &amp; Contracts
 
 
 
 Grade/Level
 
 
 
 
 Location:
 
 
 
 
 SECTION II: PURPOSE OF THE ROLE
 
 
 
 To conceptualise and oversee the overall sourcing strategy for the assigned unit / projects for various direct material /engineering material procurement to aid in production of quality products and contributing ultimately on growth and profitability targets of O2C business
 
 
 
 SECTION III: KEY RESPONSIBILITIES AND ACCOUNTABILITIES OF THE ROLE
 
 
 
 
 Responsibilities
 
 
 
 Functional Planning &amp; Strategy
 
 
 <ul>
 <li>
 Provide inputs in creating the procurement strategy inline with internal guidelines &amp; create Annual Operating Plan (AOP) in consultation with GMS team
 </li>
 <li>
 Oversee end to end execution / implementation of functional plans and track achievement to functional targets/goals as per Annual Operating Plan
 </li>
 <li>
 Collaborate with leadership team to identify new initiatives/ projects and set operational plans that meet these future demands
 </li>
 <li>
 Participate in budgeting cycle &amp; process and provide inputs on budget allocation for own sub-function/ team
 </li>
 <li>
 Oversee deployment of own budget and ensure efficient utilization and minimum variance in target v/s actual
 </li>
 <li>
 Stay abreast of the developments in the domain and identify best practices for in-house implementation
 
 
 </li>
 </ul>
 Procurement Operations
 
 
 <ul>
 <li>
 Achieve the mandated product/spares quality through cost efficient and timely procurement within the budget
 </li>
 <li>
 Collaborate with multiple stakeholders as Business teams, technology teams etc. for implementing cost optimisation/value maximisation opportunities
 </li>
 <li>
 Review exception process against various KPIs and take suitable corrective actions
 </li>
 <li>
 Monitor current inventory levels vis a vis lead time to achieve timely replenishment and maintaining safety stock levels
 </li>
 <li>
 Oversee escalations for timely settlement of supplier related issues, commercial/dispute settlement against claims etc.
 </li>
 <li>
 Provide thought leadership on various developments in GST/tax structure to own team and ensure maximum availment of such prevailing benefits
 </li>
 <li>
 Oversee timely availment of GST credit by own team and intervene for any support needed e.g. relevant documents pending from supplier
 </li>
 <li>
 Review the Master Supplier List (MSL) on a periodic basis and update as per agreed frequency
 </li>
 <li>
 Guide teams to enter into strategic long term contracts with OEMs
 </li>
 <li>
 Facilitate technical services for chemical and catalysts performance enhancement and bring down costs.
 
 
 </li>
 </ul>
 Supplier Management &amp; Development
 
 
 <ul>
 <li>
 Identify potential suppliers for various procurement requirements and ensure adherence to established procedure for supplier evaluation
 </li>
 <li>
 Forge and maintain strong relationship with critical suppliers through frequent connect with their senior leadership team and providing adequate support
 </li>
 <li>
 Review supplier performance inline with their agreed obligations and create improvement plan / provide requisite support as required
 </li>
 <li>
 Communicate feedback on performance to respective suppliers and convey RIL expectations w.r.t performance standards
 
 
 </li>
 </ul>
 Policies, Processes and Procedures
 
 
 <ul>
 <li>
 Create policies, processes, and procedures covering all areas of procurement operations and ensure adherence to relevant procedural / legislative requirements and internal guidelines
 </li>
 <li>
 Promote a culture of innovation and continuous improvement through adapting to changes in standards, changes in the business environment and adoption of leading practices
 </li>
 <li>
 Oversee escalated non-compliance cases and recommend processes to reduce non-compliance
 </li>
 <li>
 Stay abreast of latest developments in technology and provide direction to own team for digital technology adoption and adherence to established guidelines
 
 
 </li>
 </ul>
 Risk Management
 
 
 <ul>
 <li>
 Stay abreast of various risks as geopolitical/supplier/location/currency based risks which could impact critical procurement and develop suitable contingency plans
 </li>
 <li>
 Achieve preparedness of own team to handle unforeseen emergencies such as natural calamities, geopolitical situations etc. to ensure continuity of procurement operations while minimum disruption in plant operations
 </li>
 <li>
 Oversee adherence and compliances towards HSE and RIL guidelines w.r.t all suppliers
 </li>
 <li>
 Oversee the closure of all audit points and ensure agreed actionable are implemented within timelines
 
 
 </li>
 </ul>
 People Management
 
 
 <ul>
 <li>
 Participate in recruitment activities &amp; ensure retention / engagement of own team
 </li>
 <li>
 Set performance objectives of own team, evaluate / appraise team members and provide regular feedback &amp; guidance
 </li>
 <li>
 Guide, mentor and develop own team to take larger and complex responsibilities
 </li>
 <li>
 Evaluate training and development requirements for own team and make recommendations for learning interventions
 
 
 </li>
 </ul>
 
 SECTION IV: SUCCESS METRICS
 
 
 
 <ul>
 <li>
 Timely placement of orders
 </li>
 <li>
 Timely procurement and delivery of materials and services
 </li>
 <li>
 On time payment to suppliers
 </li>
 <li>
 Timely closure of audit points
 </li>
 <li>
 100% compliance to P&amp;C processes, SOPs and systems
 </li>
 <li>
 Training hours for own team
 
 
 </li>
 </ul>
 
 SECTION V: OPERATING NETWORK
 
 
 
 
 Internal:
 
 Manufacturing, Business, EXIM, Logistics, FC&amp;A, Technology, Legal
 
 
 
 External:
 
 Suppliers, Consultants, Freight Forwarders, Shipping Lines
 
 
 
 SECTION VI: KNOWLEDGE AND COMPETENCIES
 
 
 
 
 Education Qualifications
 
 
 
 <ul>
 <li>
 A bachelors degree in Engineering or equivalent preferably in Chemical/Mechanical/Instrumentation/Electrical
 </li>
 <li>
 A masters degree in management or equivalent is preferred
 
 
 </li>
 </ul>
 
 Experience
 
 
 
 <ul>
 <li>
 25+ overall years of total experience with a minimum 5 7 years in leadership position. Experience in plant O&amp;M/projects is preferred
 
 
 </li>
 </ul>
 
 Functional / Behavioural Competencies Required To Execute The Role
 
 
 
 Functional Competencies
 
 
 <ul>
 <li>
 Knowledge of sourcing and procurement strategies, product and industry
 </li>
 <li>
 Experience in digital sourcing and procurement systems
 </li>
 <li>
 Knowledge of prevalent legislative and regulatory requirements
 </li>
 <li>
 Knowledge of standard contractual terms and conditions
 </li>
 <li>
 Commercial acumen (taxes, duties, trade agreements)
 </li>
 <li>
 Business acumen
 
 
 </li>
 </ul>
 Behavioral Competencies
 
 
 NA
 
 
 
 SECTION VII: CAREER MOVEMENTS
 
 
 
 
 Feeder Roles:
 
 Sr. Team Lead - Materials (for Refinery/Petchem/Polymer/Engineering Material/Project)
 
 
 
 Possible Next Role Movement:
 
 Chief Procurement Officer (CPO)
</div>

JWHA Project Managers & Procurement Engineers

Godrej Capital

<div>
 
 Job Purpose This role requires a dynamic candidate who shall be pro-active part of second line of defence i.e. compliance function, independently set-up compliance paradigm and work with various stakeholders to ensure compliance culture is ensure.
 
 
 
 
 
 Role &middot; Prepare detailed compliance requirements of various circulars and guidelines issued by the regulators, assist in issuing compliance guidelines and verify their compliance on periodic basis, &middot; Assist &amp; set-up development and providing clearance to various policies &amp; SOPs of organization and ensure that Policy Compliance is being done on periodic basis, &middot; Evaluate various circulars / products / processes across the Company to assess the compliance risk at the Company level and at Business Unit /Support Unit level. &middot; Ensure submission of all off-site compliances to NHB by working with internal stakeholders, &middot; Ensure set-up of conduct of business regulations which includes FPC &amp; KYC-AML Compliance, &middot; Work with Product, Tech &amp; Ops team on various initiatives such as product clearance and digital initiatives, &middot; Work with control stakeholders such as Compliance Testing unit, Internal Auditors, Statutory Auditors and Regulators and resolve any and all issued which may come up, &middot; Ensure compliance with requirements under corporate agency, &middot; Assist in all regulatory inspections and ensure compliance under it &amp; assist in providing certifications to the regulators, &middot; Maintain a broad knowledge of the business and regulatory framework for HFCs &middot; Explain the circulars / guidelines to the Business / Support Units wherever required to increase their understanding about the regulatory guidelines, &middot; Support in executing specific projects / work assignments
 
 
 
 
 
 Qualification &amp;
 
 
 experience Professional (CA / MBA-Finance / CS from reputed institute) &middot; Compliance role in HFC for 3-5 years &middot; Knowledge of overall HFC environment and regulatory circulars/guidelines.
 
</div>

Compliance Manager

Citi

<div>
 The KYC Operations Analyst 1 is an entry-level position responsible for participating in Anti-Money Laundering (AML) monitoring, governance, oversight and regulatory reporting activities in coordination with the Compliance and Control team. The overall objective of this role is to assist in the development and management of a dedicated internal KYC (Know Your Client) program at Citi.
 
 
 
 Responsibilities:
 
 
 
 <ul>
 <li>
 Project Management skill with project analyst role.
 </li>
 <li>
 Partner with Relationship Management and Compliance teams to assist with the preparation, development, due diligence and approval of the electronic Know Your Client (KYC) record and supporting appendices
 </li>
 <li>
 Create and maintain KYC records by obtaining information from internal and external sources (firm website, regulatory websites, etc.)
 </li>
 <li>
 Partner with Relationship Management and Compliance teams to update system information from initiation to approval of KYC record and report workflow progress to supervisor
 </li>
 <li>
 Validate the information within KYC records and Customer Identification Program (CIP) documents to ensure completion and accuracy
 </li>
 <li>
 Ensure KYC records incorporate local regulatory requirements / Global Business Support Unit (BSU) Standards
 </li>
 <li>
 Maintain BSU tool
 </li>
 <li>
 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.
 
 
 </li>
 </ul>
 
 Qualifications:
 
 
 
 <ul>
 <li>
 Previous relevant experience preferred
 </li>
 <li>
 Project Management experience required with KYC Background
 
 
 </li>
 </ul>
 
 Education:
 
 
 
 <ul>
 <li>
 Bachelor's degree/University degree or equivalent experience
 
 
 </li>
 </ul>
 ------------------------------------------------------
 
 
 
 Job Family Group:
 
 
 
 Operations - Services
 
 
 ------------------------------------------------------
 
 
 
 Job Family:
 
 
 
 Business KYC
 
 
 ------------------------------------------------------
 
 
 
 Time Type:
 
 
 
 Full time
 
 
 ------------------------------------------------------
 
 
 
 Most Relevant Skills
 
 
 
 Business Acumen, Credible Challenge, Laws and Regulations, Management Reporting, Policy and Procedure, Program Management, Referral and Escalation, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.
 
 
 ------------------------------------------------------
 
 
 
 Other Relevant Skills
 
 
 
 For complementary skills, please see above and/or contact the recruiter.
 
 
 ------------------------------------------------------
 
 
 
 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&rsquo;s EEO Policy Statement and the Know Your Rights poster.
 
</div>

KYC Operations Analyst

Cushman & Wakefield

<div>
 
 Job Title
 
 
 
 Facility Executive - MIS
 
 
 
 Job Description Summary
 
 
 
 
 Job Description
 
 
 
 <ul>
 <li>
 [Direct the planning and delivery of all facility related and administrative support services and activities at the site on a day-to-day basis.
 </li>
 <li>
 Monthly Vendor Invoicing.
 </li>
 <li>
 PR creation &ndash; As per request
 </li>
 <li>
 AMC renewal &amp; tracking
 </li>
 <li>
 PO Follow up &ndash; Daily
 </li>
 <li>
 GRN Making
 </li>
 <li>
 Monthly Advance PO Report.
 </li>
 <li>
 Payment advice shared with Vendors &ndash; as per payment release
 </li>
 <li>
 Consumable order - Monthly
 </li>
 <li>
 General Facilities work
 </li>
 <li>
 NDC
 </li>
 <li>
 Audit document
 </li>
 <li>
 Compliance document
 </li>
 <li>
 Oversees the inventory, rental, repair and maintenance of office equipment. Review with Client coordinator regarding various maintenance issue &amp; improvement of building system.
 </li>
 <li>
 Analyse/ recommend solution on the complaint analysis.
 </li>
 <li>
 Maintains compliance with departmental security, audit procedures, and Client management policy.
 </li>
 <li>
 Manage the office services needed to support department operations.
 </li>
 <li>
 Prepares correspondence, statistical, financial and other reports. Establish and maintain essential records and files
 </li>
 <li>
 Develops and establishes policies and objectives consistent with those of the organization to ensure efficient and safe operation.
 </li>
 <li>
 Data gathering and reporting on all facility operations.
 </li>
 <li>
 Periodically check / amend checklist, operation steps, spares parts consumption analysis.
 </li>
 <li>
 Work in co ordination with Client on day-to-day activities.
 </li>
 <li>
 Co-ordinate with OEM for service obligation as per AMC &amp; in case of Breakdown of system.
 </li>
 <li>
 Ensure all safety guidelines/ requirements are adhered to by team members/vendors.
 </li>
 <li>
 Preparation of Daily, Weekly and Monthly reports for Client as per the prescribed format.
 </li>
 <li>
 Arrange for monthly bills to be submitted to the Client.
 </li>
 <li>
 Coordinating for payments of the site contractors and sub vendors.
 </li>
 <li>
 Oversees activities of contractors, vendor personnel, and suppliers; Monitors contracts for compliance and controls costs; monitors general expenditures of unit; performs quality control inspections to ensure adherence to contract specifications and industry standards.
 </li>
 <li>
 Develops and implements ISO systems and processes to establish and maintain records for the operating unit.
 </li>
 <li>
 Training of onsite Employees
 </li>
 <li>
 Counselling of employees
 </li>
 <li>
 Supervising the development and maintenance of websites and ensuring the protection of users' data.
 </li>
 <li>
 Analyzing existing operations, protocols, and processes, and making plans for improvement.
 </li>
 <li>
 Conducting research, attending workshops, and networking with other professionals in the industry.
 </li>
 <li>
 Proactively review workplace systems / processes to innovate and continuously improve the business performance and workplace experience
 </li>
 <li>
 Performs other duties as requested by your direct manager
 </li>
 <li>
 Occasional requirement to work extended hours during peak times or to assist with major functions/events
 </li>
 <li>
 Development of operational standards / playbooks / operating manuals for all aspects of the business
 </li>
 <li>
 Articulate and live the Cushman &amp; Wakefield culture, model organisational values and required behaviour and hold others (employees and peers) accountable for their actions by identifying and acting on behaviour which is inconsistent with agreed standards
 </li>
 <li>
 Comply with all Cushman &amp; Wakefield systems that are in place to meet the health and safety obligations of the organisation
 </li>
 <li>
 Work safely and avoid placing yourself or anyone else&rsquo;s health and safety at risk by your acts or omissions
 </li>
 <li>
 Comply with Cushman &amp; Wakefield Environmental policies and adhere to procedures and work instructions that are relevant to your activities
 </li>
 <li>
 Actively participate within a community or practice group by sharing information and strategies that result in the best outcomes for the client and Cushman &amp; Wakefield
 </li>
 <li>
 Understand the Cushman &amp; Wakefield brand and expertise of services delivered to ensure all opportunities to provide a full-service offer to clients and staff is available
 </li>
 <li>
 Comply with Cushman &amp; Wakefield policy
 
 
 </li>
 </ul>
 INCO: &ldquo;Cushman &amp; Wakefield&rdquo;
</div>

Facility Executive - MIS

Unilever

<div>
 Requisition No - R-1166661
 
 
 Job Title: Territory Sales Officer
 
 
 WL- 1A
 
 
 Location: Junagadh
 
 
 
 Main Job Purpose
 
 
 
 The Territory Sales Officer would be required to drive sales and distribution for the company products and manage his allocated territory and the customer.
 
 
 
 Job Summary (job Description)
 
 
 
 <ul>
 <li>
 Minimum 2-5 years of experience in General Trade, Channel Sales experience, ROI calculations and distributor handling.
 </li>
 <li>
 Achieve sales targets through personal selling (visiting market) and driving RS system.
 </li>
 <li>
 Analyse how to improve the competitive position in the market through improved customer service.
 </li>
 <li>
 Negotiate with his RS and develop his people on managing customers to obtain more business.
 </li>
 <li>
 Monitor closely the competitive activities and provide feedback to the branch on appropriate action that the company needs to take to counter such activities.
 </li>
 <li>
 Monitor systematically the performance of the RS and RS's sales team and take corrective action (infrastructure gaps).
 </li>
 <li>
 Within budget limits for brand activities organize promotion activities in consultation with the superiors.
 
 
 </li>
 </ul>
 
 Key Requirements (education, Work Experience &amp; Skills)
 
 
 
 <ul>
 <li>
 Required a Minimum Fulltime Graduation
 </li>
 <li>
 Minimum 2 years of Experience in Channel Sales.
 </li>
 <li>
 Excellent in ROI Calculations &amp; RS Distribution Management
 </li>
 <li>
 Should be well-versed with RS appointment &amp; Sales Planning
 </li>
 <li>
 Conducting promotional activities &amp; execution
 </li>
 <li>
 Decent Communication in English and Local language is desired
 
 
 </li>
 </ul>
 
 "All official offers from Unilever are issued only via our Applicant Tracking System (ATS). Offers from individuals or unofficial sources may be fraudulent&mdash;please verify before proceeding."
 
 
 
</div>

Territory Sales Officer

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