Total 4,732 Others level Finance / Banking / Insurance job vacancies

Senior Executive, Finance

• Working Days & Hours: Monday to Friday, 9.00am – 6.00pm or 8.30am – 5.30pm.

• Location: NTU, 61 Nanyang Drive

• Salary: $3,200-$4,500 (Good experiences candidate can try $5000)

• Hybrid work arrangement (3 days in office and 2 days work-from-home) available upon confirmation, subject to performance and management approval.

Responsibilities

• Support the company's accounting and taxation functions and ensure compliance with accounting and tax regulations.

• Assist with financial and management reporting, including variance analysis between actual figures and budgets.

• Assist in budget preparation and periodic forecasting.

• Handle company tax, GST, and withholding tax reporting.

• Manage core accounting functions, including General Ledger (GL), Accounts Payable (AP), and Accounts Receivable (AR).

• Implement and review financial policies and procedures.

• Support ERP system management, digitalization initiatives, and system migration exercises.

• Manage and track grant funding opportunities.

• Handle corporate, legal, and secretarial matters.

• Assist the Managing Director and Group Head in evaluating new business opportunities and conducting financial due diligence for acquisitions.

• Liaise with the holding company in Germany, external auditors, tax agents, bankers, and operational stakeholders.

• Perform ad-hoc duties and special projects as assigned.

Requirements

• Diploma or Degree in Accountancy, or CPA qualification.

• Minimum 5 years of relevant accounting experience. Candidates with at least 3 years of relevant experience and a stable employment history (minimum 3 consecutive years with one company) may also be considered.

• Experience in financial reporting, budgeting, and forecasting.

• Knowledge of accounting principles, taxation, and compliance requirements.

• Experience in General Ledger (GL), Accounts Payable (AP), and Accounts Receivable (AR) functions.

• Experience with ERP systems, accounting software, and digitalization initiatives.

• Experience with Microsoft NAV and Microsoft Business Central. Prior involvement in Microsoft NAV migration projects is an advantage.

• Familiarity with grant management, corporate secretarial matters, and financial due diligence is preferred.

• Proficient in Microsoft Office applications.

If you are keen to apply, please send me your resume and job applied for on WhatsApp at 9789 3505 or email me at anabel.thesupreme@gmail.com (˶ᵔ ᵕ ᵔ˶)

❄️Anabel Boon Xue Qi | Recruitment Consultant (R25159272) |

Trust is the first of a new breed of banks in Singapore – digitally native and focused on delivering a delightful customer experience.  You will work in a fast-paced and collaborative environment to solve new and interesting challenges each day. Together with our Trust team, you will help shape the future of our bank.

We’re a fast-growing cloud-native digital bank looking for a Lead SRE / Platform Engineer to drive initiatives to improve the reliability, resilience, and efficiency of the platform that powers our products. This is a hands-on role with leadership responsibilities: you’ll help set the technical direction for how we operate, scale, and secure our infrastructure, and you’ll build the systems that let us move quickly without breaking things.
You’ll be part of a core team that is trusted to keep it running smoothly, make it faster, and turn toil into code.

What you’ll do

• Own the observability platform. Logs, metrics, traces, events — the full picture. Make signals actionable, reduce alert fatigue, and give every team the tools to understand their systems in production.
• Build agentic SRE systems. Design and ship AI agents that investigate incidents, execute runbooks, automate remediation, and close the loop on production issues. Bring context and harness engineering discipline to agent design: grounded context, well-scoped tools, evals, and guardrails.
• Automate the platform. Turn manual processes into self-service. Every recurring operational task is a candidate for elimination.
• Drive resiliency automation. Lead initiatives such as chaos engineering, cost and performance optimization, and capacity forecasting.
• Lead through influence. Set technical direction, mentor engineers, help unblock them when they hit issues, and write the design docs that get referenced for years. Raise the bar on what “operational excellence” means here.
• Be the calm in the storm. Jump in to diagnose and remediate critical infrastructure issues. Support the team during critical deployments — you're expected to be hands-on when it matters most.

What we’re looking for

• 8+ years in SRE, platform, or infrastructure engineering, with deep production ownership of a non-trivial cloud platform.
• Strong system design chops. You can reason end-to-end about distributed systems and event-driven architectures, including failure modes and the tradeoffs between consistency, availability, latency, and cost.
• AWS and Kubernetes experience. Comfortable with EKS internals, networking, IAM/IRSA, service mesh (Istio), and the control-plane/data-plane split.
• Hands-on with the rest of our stack — Kafka, Aurora PostgreSQL / RDS PostgreSQL, S3, ELB — or equivalent managed data and networking primitives.
• Proven track record owning resiliency in a high-velocity environment: incident command, postmortems that actually change things, SLO-driven engineering, progressive delivery.
• Experience with context engineering and harness engineering — building LLM and agent systems where the prompt, retrieved context, tool surface, and eval harness are first-class engineering artifacts.
• A clear vision for what zero-downtime, zero-touch, zero-trust looks like in practice, and a track record of moving real systems toward it.
• Fluent in IaC (Terraform, Helm, or similar) and CI/CD. You believe platforms are products and treat them as such.
• FinOps mindset. Comfortable analyzing cloud cost reports, identifying inefficiencies, and driving optimization initiatives that balance cost with performance and reliability.

Our ideal candidate has

• Financial services or other regulated-environment experience.
• Experience integrating AI/LLM systems into production operational workflows — not just experiments.
• Expertise in OpenTelemetry and the broader observability ecosystem.
• Experience with Sumologic and PagerDuty (or equivalent observability and incident management tooling).
• A continuous learning mindset — you stay current and bring new ideas to the table.
• Strong stakeholder communication and management skills — you can translate technical concepts for non-technical audiences and build alignment across teams.

Role Specific Technical Competencies

• AWS and Kubernetes experience. Comfortable with EKS internals, networking, IAM/IRSA, service mesh (Istio), and the control-plane/data-plane split.
• Hands-on with the rest of our stack — Kafka, Aurora PostgreSQL / RDS PostgreSQL, S3, ELB — or equivalent managed data and networking primitives.
• Experience integrating AI/LLM systems into production operational workflows — not just experiments.
• Expertise in OpenTelemetry and the broader observability ecosystem.
• Experience with Sumologic and PagerDuty (or equivalent observability and incident management tooling).

If you apply for a job with Trust or submit any personal information in connection with a possible job opportunity, you agree to our privacy notice for job applicants.

Come as you are! Trust is an inclusive and open-minded workplace. If you are good at what you do and care about doing a good job, that’s what we focus and want from you.  So come as you are.

• Manage the end-to-end delivery of events, encompassing planning, coordination, execution, and on-site event management.

• Collaborate closely with stakeholders to ensure events are aligned with business objectives and executed seamlessly.

• Create, develop, and manage content across multiple channels, including digital platforms, social media, and internal communications.

• Support the production of video content through concept development, scriptwriting, editing, and overall production management.

• Utilise AI tools and digital technologies to enhance content quality, improve operational efficiency, and expand audience reach.

• Coordinate with internal stakeholders and external vendors to ensure timely and effective project execution.

• Maintain consistency in messaging and ensure all activities adhere to established brand guidelines.

Interested candidates, please email your resume to annasee@recruitexpress.com.sg

Anna See Sing Yee

CEI Reg R25157535

Recruit Express Pte Ltd

EA License No: 99C4599

We regret that only shortlisted candidates will be contacted

About the Company

Innovative, multinational financial services and insurance solutions provider.

About the Job

• Direct and guide clients through insurance policy and coverage questions.

• Manage, negotiate, and resolve claims efficiently with policyholders, workshops, and external insurance firms.

• Evaluate claims against policy terms to ensure accurate payouts within established authority thresholds.

• Maintain appropriate reserves for outstanding claims based on initial evaluations.

• Deliver exceptional service by addressing inquiries and customer concerns promptly.

• Coordinate seamlessly with external vendors, including surveyors, legal professionals, and repair networks.

• Audit and assess active claim files to ensure procedural alignment.

• Execute additional ad-hoc responsibilities and tasks as required by the team.

Skills and Requirements

• Strong background in claims assessment and policy interpretation.

• Proven negotiation skills with the ability to settle claims across multiple parties.

• Excellent interpersonal and communication skills to handle inquiries and complaints professionally.

• Ability to work within assigned authority limits and maintain accurate financial reserves.

• Experience collaborating with third-party vendors like repair shops and legal teams.

• Strong organizational skills for reviewing files and multitasking under tight timelines.

To apply online please use the 'apply' function.(EA: 94C3609/ R24124496)

ENGAGEMENT & DIGITAL BANKING AMBASSADOR (2 month)

Gain Banking Experience | Office Hours | Central

Contract Duration

15 July 2026 – 14 September 2026

Working Hours

Monday – Friday

11:00AM – 7:00PM

What You'll Be Doing

• Engage on digital banking products and promotions

• Assist customers with digital account opening and onboarding

• Introduce banking products, benefits and ongoing campaigns

• Support customer enquiries and provide basic banking assistance

• Achieve daily engagement and acquisition targets

• Ensure a positive customer experience at all touchpoints

• Support promotional activities and events on campus

Interested candidates, do submit your resume to :

jocelynchan@recruitexpress.com.sg

OR telegram

@jocelynchan

Jocelyn Chan| Consultant | Recruit Express Pte Ltd (Healthcare & Lifescience)

Company EA Licence number : 99C4599

Personnel EA License: R1331820

Serial Entrepreneurs are business owners who operate multiple businesses in Singapore and the Region. These are fast growing companies and Serial Entrepreneurs are attracted by solutions that are sustainable and can value-add to their business growth ambitions.

The Segment RM closely partners the Serial Entrepreneur to chart out their milestones and fulfil his/her growth plans across their multiple companies with a suite of banking and digital solutions. The solutions include Sustainability financing, Trade financing, Contract financing, Regional financing, FX hedging and Cash Management solutions which may involve API integration with our technology partners.

The Segment RM will be actively involved in strategic initiatives to co-create propositions, insight studies and data-driven marketing efforts to acquire, engage and deepen the Bank’s wallet share with Serial Entrepreneurs.

Responsibilities

Lead the customer acquisition, ongoing engagement and retention efforts of the assigned Serial Entrepreneurs portfolio

Work with relevant cross-functional stakeholders (including Trade, Regional, Treasury, Wealth, Insurance, Customer Services) to offer solutions propositions to fulfill the Serial Entrepreneurs’ requirements for their group of multiple companies

Pitch Credit Propositions with accuracy, in a well-organized manner supported with sufficient depth of financial analysis, business and credit risk assessment.

Manage existing Serial Entrepreneur Group relationships with timely escalation of credit deterioration

Active participation in strategic initiatives to grow the wallet share

Requirements

Minimum 3 years of experience in Financial Institutions (customer acquisition, engagement, credit analyst etc)

Articulate communicator with high customer-focused attitude to engage key promoters of SMEs in the various banking and beyond banking solutions

Strong collaborative team player with ability to foster trust and rapport with team members and product partners 

Results oriented and driven with the ability to succeed in a dynamic culture

Ability to present and write credit cases with clarity and precision

Highly analytical, methodical and structured in thought approach to problem solving

Degree holder

Job Description:

• In charge of recording and allocating incoming customer payments accurately in the accounting system.
• Prepare, process, and send invoices to customers in a timely manner
• In charge of managing billing activities, collections, and prepare AR reports according to required deadlines.
• In charge of performing reconciliations for customer accounts and bank statements.
• Handle GIRO deduction arrangements and reconcile related transactions.
• Responsible in processing payment receipts and arrange bank deposits.
• Responsible in reviewing payment differences and work with customers to resolve discrepancies or billing issues
• Assist with month-end closing tasks related to Accounts Receivable.
• Respond to queries from the cross functional department

Requirements:

• Min Diploma in Accounting, Finance or related discipline
• Minimum 3 years of working experience in Accounts Receivable
• Experience with ERP systems such as Microsoft Dynamics 365 or Esker is preferred

To submit your application, please apply online apply@rn-care.com or call +(65) 6220 0847 for private and confidential discussion.

Your interest will be treated with the strictest of confidence. We regret that only shortlisted candidates will be notified or contacted.

RN Care Pte. Ltd.
EA License No: 17C8900

Key Responsibilities

• Issue office cheques, client cheques, and cashier orders accurately and in a timely manner
• Process payments for both office and client accounts
• Prepare and issue office receipts and maintain proper documentation
• Perform data updates and data entry into internal systems with high accuracy
• Maintain proper records and filing of financial and administrative documents
• Support file closing processes, ensuring all required documentation and transactions are completed
• Ensure all transactions comply with internal controls, policies, and relevant regulations
• Assist in maintaining clear audit trails and supporting documentation

Requirements

• Min. Nitec qualification in Finance, Accounting, Business Administration, or a related field
• Prior experience in finance administration, accounting support, or similar roles preferred
• Strong attention to detail and high level of accuracy
• Basic proficiency in accounting or administrative systems and Microsoft Office
• Ability to manage multiple tasks and meet deadlines

Interested applicants may apply or send your resume directly to career@plaw.sg

We regret to inform that only shortlisted candidates will be notified.

You are invited to join Acclaim, one of the largest national risk advisory, insurance and reinsurance brokers in Singapore. Acclaim is the 1st Corporate Risk and Insurance Consulting Firm to be a winner since inauguration of Enterprise 50 (E50). Acclaim services more than 2000 corporate customers ranging from SMEs to MNCs with reach extending to over 150 countries worldwide.

Job Responsibilities

The Claims Executive will be expected to manage his / her portfolio of clients. Work with various insurers, loss adjusters etc. and front clients on the claims submitted for General Insurance or Health Insurance related products.

• The Claims Executive will manage a portfolio of clients, and adopt a pro-active approach to advice clients on claims matter and provide technical support to servicing brokers.
• The Executive will front clients’ claim adjudication i.e. from registration till the end of claims life cycle.
• Ensure that claims are registered with insurer within 24 hours.
• Ensure close follow up on claims submission to insurer and claims settlement (cheque will need to be sent out to clients within 48h).
• Work closely with insurers, loss adjusters, lawyers, etc. on claims and negotiate for claims to be reimbursed fairly and timely to clients. Upon receiving of the settlement, we will then explain to clients on the basis of the settlement.
• Prepare and provide weekly / monthly claims activity / review / analysis reports, bordereaux, and claims logs, etc.
• Prepare, review and analyze claims profiling with clients regularly.
• Ensure proper documentation trail submitted by clients and documents are electronically fille and hardcopy filing are maintained as per protocol.

Requirements

• Possess Certificate in General Insurance and/or Health Insurance, CII/SII, ANZIFF or equivalent
• Min 3 years of similar experience
• Experienced claims handler who is able to handle high volume of work
• High integrity, responsive, organized eager to learn.
• Strong in verbal and written communication.

Job Description

• Industry/ Organization Type: Manufacturer – Dairy Products
• Position Title: Inventory & Costing Executive / Cost Accountant
• Working Location: Tuas
• Working Hours: 5 days (Mon to Fri: 8:45am – 5.30pm)
• Salary Package: Basic + AWS + Performance Bonus
• Duration: Permanent Role

Key Responsibilities

• Monitor and reconcile inventory across all storage locations.
• Conduct regular stock counts and audits to ensure accuracy.
• Maintain proper inventory control procedures to reduce discrepancies and losses.
• Coordinate with the export team on stock replenishment based on confirmed orders and forecasts.
• Understand basic product formulations to determine material needs and support purchasing decisions.
• Prepare and update stock summary reports, including current stock, incoming goods, and future demand.
• Work closely with R&D to understand new product and material requirements.
• Convert R&D forecasts into inventory plans to ensure materials are available on time.
• Keep accurate records of all inventory transactions and adjustments.
• Identify slow-moving or obsolete items and recommend actions.
• Prepare inventory reports to support management decision-making.
• Perform any other ad hoc assignments/special projects as assigned.

APPLY NOW!!!

• Degree in Accounting, Finance, or related field.
• Minimum 5 years’ costing experience in manufacturing.
• Experience in ERP system and familiar with Dynamics 365 would be a plus.

Kindly apply through ANY of the following methods:

• Submit your application by clicking the APPLY button;
• Email your resume to Job@anradus.com.sg. Please indicate #82493 on the email subject.

Anradus Application Policy: We value each application and ensure every resume is reviewed. Our process is efficient, typically concluding within 3 working days. If you do not receive communication from us within this timeframe, it's likely that your application has not been shortlisted by our client. In such cases, we recommend continuing your job search to maximize your opportunities.

Anradus Pte Ltd | EA License No. 20C0161 | Rachael Lee | EA Reg No.: R2093131

Presentation & Communication Support

• Develop and maintain high quality PowerPoint decks for project finance updates, business cases ROI calculations, and stakeholder discussions

• Help structure slides to clearly present market research, competitor analysis and potential use case benefits

• Draft clear and concise written materials such as executive summaries, meeting notes and follow ups

• Support senior team members in preparing materials for steering committees and senior stakeholders

Market Research & Technology Scanning

• Conduct ongoing research on emerging technologies (e.g. AI, agentic systems, digital banking innovations, fintech trends)

• Analyse market trends, competitor landscape, and vendor solutions relevant to banking and financial services

• Distil insights into clear implications for business opportunities and risks

• Translate analytical outputs into clear insights and visuals

Stakeholder Coordination

• Work with multiple stakeholders across business, technology, and vendors to gather inputs and clarifications

• Support coordination of meetings, agendas, actions, and follow ups

• Help ensure alignment by tracking decisions, dependencies, and action items

Business Case Development

• Build end-to-end business case decks including:

o Problem statement / opportunity framing

o Proposed solution and operating model

o Value drivers (cost, revenue, efficiency, CX)

o High-level financials / cost-benefit analysis

o Risks, dependencies, and implementation considerations

Interested candidates, please email your resume to annasee@recruitexpress.com.sg

Anna See Sing Yee

CEI Reg R25157535

Recruit Express Pte Ltd

EA License No: 99C4599

We regret that only shortlisted candidates will be contacted

Infrastructure Backup and Recovery Management

• Demonstrate expert-level product knowledge for IBM Storage Protect (known as TSM) and competitive solutions.

• Perform billable services engagements, including installation/implementation of IBM Storage Protect.

• Support 24/7 shift operations independently.

To Execute SOP for BAU Tasks (Skill Requirements with 2–4 Years of Experience)

1. In-depth knowledge of:

   • IBM Storage Protect Server on Windows & UNIX

   • IBM Spectrum Protect Server and Client operations

   • IBM Storage Protect for Databases (Oracle, DB2, SQL, etc.)

   • IBM Storage Protect for Mail (Domino and Exchange)

   • IBM Storage Protect for VMware

   • DRM implementation and management using IBM Storage Protect

2. Knowledge of Tape Libraries and LTO Tape Drives.

3. Audit application backup policies and environments.

4. Should have desired Operating System skills.

5. Responsibilities include providing remote and onsite support.

6. Analyze and resolve escalated problems within target timelines.

7. Problem determination and analysis skills.

8. IBM Storage Protect product skills on:

   • Windows

   • AIX

   • Linux (basic UNIX)

   • DB2

   • Networking

9. Cohesity, NetBackup, and Vinchin backup software support for virtual infrastructure backup and recovery.

10. Troubleshoot VM backup failures using both NetBackup and Vinchin backup software.

Other Skills

• Good communication (oral & written) skills are essential.

• Ability to quickly analyze and diagnose problems.

• Hardworking and ready to learn.

• Ability to participate and work with local and global teams.

• Ready to take on additional challenges.

• Ability to acquire new skills and keep them updated.

• Ability to articulate and compare alternative approaches.

• Creativity and judgment applied to professional, technical, or operational problems.

• Independently generates solutions based on analytical, technical skills, and business knowledge.

• Willing to work standby hours (public holidays/weekends) if required.

Interested candidates may apply through the application system. We regret to inform only Shortlisted candidates will be notified.

By sending us your personal data and curriculum vitae (CV), you are deemed to consent to PERSOL Singapore Pte Ltd and its affiliates to collect, use and disclose your personal data for the purposes set out in the Privacy Policy available at https://www.persolsingapore.com/policies. You acknowledge that you have read, understood, and agree with the Privacy Policy.

PERSOL Singapore Pte Ltd • RCB No. 200007268E • EA License No. 01C4394 • EA Registration No. R1877971 (Derrick Tiew Yong Han)

Job Summary

Join ACE Internship to gain hands-on experience in financial services, develop entrepreneurial skills, and learn wealth and risk management concepts while crafting social media campaigns.

Internship Highlights:

• Apply wealth management and risk management concepts
• Develop entrepreneurial skills through practical experience and team collaboration
• Gain industry knowledge by participating in financial services projects and mentorship sessions
• Design and manage creative social media campaigns to enhance brand engagement

Required competencies and certifications

• Meet regulatory age requirement of at least 21 years old
• Hold full certification in GCE 'A' Levels, Polytechnic Diploma, or Degree (local certifications)

Preferred competencies and qualifications

• Demonstrate enthusiasm for learning and growth in the financial services industry
• Exhibit teamwork and communication skills to collaborate effectively within the internship program

Other Information

• Benefits:Attractive monthly allowance package
• Fully sponsored CMFAS exams
• Personalized 1-on-1 training and mentorship with successful industry practitioners

Basic Salary: Up to $2600

Working Days & Hours: 5.25 days (Office hours)

Location: Ubi

Benefit:

Salary & Career progression

Training provided 

Stable working environment 

Job Duties:

• Ensure accurate entry of policy and claim details and documents to support smooth process submission

• Prepare and compile reports in accordance with General Insurance Association (GIA) guidelines 

• Perform other ad-hoc duties as assigned 

Requirements:

• Min. GCE ’O’ level or equivalent certificate

• Prior experience in automotive industry or related field

For the past 75 years, MS First Capital has been actively involved in the non-life insurance business both in Singapore and across Asia. Our roots can be traced back to the 1950s where we engaged in writing both personal and commercial lines of non-life insurance business across various classes such as Fire, Engineering, Marine Hull, Marine Cargo, Bond, Professional Indemnity, Motor, Public Liability, Worker's Compensation, Personal Accident and other Miscellaneous Accident.

We are a reputable source of cutting-edge insurance options, catering to a diverse range of clients, both individuals and corporate. We are proud that our financial strength rating of 'A+ (Superior)' with 'Stable' outlook has been reaffirmed by AM Best, given our consistently impressive financial performance. We are also recently awarded Top 300 Employer by the Singapore Opportunity Index for our effort in creating meaningful career pathways, fostering inclusive growth, and investing in our employees' potential.

This is a perfect gateway into the highly niche sector of non-life reinsurance, part of Singapore's bustling financial services sector. As a wholly-owned entity of the world-renowned Mitsui Sumitomo Insurance (MSI) Group, we are dedicated to developing young talents for our sector. As a member of our young talent pool, you can look forward to comprehensive professional training, sponsorship of professional qualifications, a friendly and collaborative culture and a competitive compensation package.

We are looking for an experienced Senior QA Analyst to support our core modernization initiatives on a fixed-term contract basis, focusing on User Acceptance Testing (UAT) across Data Analytics platforms, Power BI reporting, and UiPath automation solutions. This role is critical in ensuring the accuracy, reliability, and business readiness of data-driven insights and automated processes. The ideal candidate will have strong experience in data validation, BI testing, and automation QA, along with the ability to collaborate closely with business and technology stakeholders.

Responsibilities

• Design, prepare, and execute UAT test scenarios and test cases

• Validate:

*Data accuracy from source systems to reports

*Business logic, KPIs, and calculations

*Dashboard functionality and usability

• Perform data reconciliation using SQL or other tools

• Coordinate with business stakeholders for UAT execution and sign-off

• Track, report, and manage defects through resolution

• Test end-to-end UiPath automation workflows

• Validate:

*Process logic and business rules

*Error handling and exception scenarios

*Integration with upstream and downstream systems

• Conduct regression testing for robot releases

• Support UAT cycles for automation deployments

• Define and implement UAT strategy and approach

• Develop:

*Test plans and schedules

*Entry and exit criteria

*Test metrics and reporting

• Drive structured defect management processes

• Identify opportunities to automate testing processes

• Contribute to QA best practices across modernization programs

• Enhance testing efficiency and coverage

Requirements

• 5+ years of experience in QA / Testing roles

• Strong experience in UAT for Data Analytics / BI platforms

• Hands-on experience testing Power BI dashboards and reports

• Solid understanding of:

*Data models and ETL processes

*Data warehousing concepts

• Proficiency in SQL for data validation

• Understanding of automation lifecycle and exception handling

• Test case design and execution

• UAT coordination and stakeholder management

• Strong communication and stakeholder management skills

• High attention to detail and analytical mindset

• Experience in data migration or transformation projects

• Knowledge of data quality and governance frameworks

• Experience testing RPA / workflows is a plus
  

Due to the volume of applications received, we will only contact shortlisted candidates. We may retain your personal data for as long as it is necessary to fulfil the purposes for which they were collected, or as required or permitted by applicable laws. Should you disagree, please contact our Data Protection Officer for more information on the retention and disposal of your personal data.