Total 5,432 Finance / Banking / Insurance job vacancies

Job Overview

As an Assistant Finance Manager/Finance Manager, you will play acritical role in overseeing financial operations within our organization. You’ll be responsible for managing financial planning, analysis, reporting, and compliance. Your expertise will contribute to strategic decision-making and ensure the financial health of the company.

Responsibilities

Financial Planning and Analysis:

• Develop and execute financial strategies, budgets, and forecasts.
• Analyze financial data, identify trends, and provide insights to senior management

Financial Reporting:

• Prepare accurate and timely financial statements, including income statements, balance sheets, and cash flow statements.
• Prepare consolidated financial statements that include Singapore as HQ, Vietnam, Thailand, Malaysia, HK, Taiwan and Korea entities.
• Ensure compliance with accounting standards and regulatory requirements.
• Present financial reports to stakeholders and provide explanations as needed.

Budget Management:

• Monitor budget performance, track variances, and recommend corrective actions.
• Collaborate with department heads to align spending with organizational goals.
• Implement cost-saving initiatives.
  

Cash Flow Management:

• Optimize cash flow by managing receivables, payables, and working capital.
• Forecast cash needs and maintain liquidity.
• Evaluate financing options and negotiate terms with banks or lenders.

Risk Management:

• Identify financial risks and implement risk mitigation strategies.
• Monitor market trends, interest rates, and currency fluctuations.
• Ensure compliance with internal controls and policies.

Team Leadership:

• Lead and mentor a team of finance professionals.
• Foster a collaborative and results-driven work environment.
• Provide guidance on complex financial matters.

Requirements

• Bachelor’s degree in Finance, Accounting, or related field (Master’s degree preferred).
• Professional certifications such as CPA, CFA, or ACCA are advantageous.
• Proven experience (typically 5+ years) in finance, accounting, or related roles.
• Strong analytical skills and proficiency in financial modeling.
• Excellent communication and presentation abilities.
• Proficiency in financial software and ERP systems.

KeyResponsibilities

• Lead and develop a team of data centre engineers and technicians, ensuring effective 24/7 operations.
• Oversee day-to-day data centre operations, ensuring high uptime and service availability.
• Manage critical infrastructure including UPS, generators, cooling systems, and BMS.
• Plan and coordinate maintenance activities, upgrades, and capacity expansion.
• Monitor capacity utilisation, optimise energy efficiency, and control operational costs.
• Handle incident management, including root cause analysis and implementation of corrective actions.
• Manage vendors and contractors, ensuring performance standards and service delivery.
• Oversee preventive and corrective maintenance across electrical, mechanical, and IT systems.
• Ensure compliance with safety, regulatory, and industry standards.
• Act as the main point of contact for stakeholders and provide regular operational updates.

Requirements

• Degree in Engineering, Information Technology, or a related field.
• Minimum 8 years of experience in data centre operations, including at least 5 years in a leadership role.
• Strong understanding of data centre infrastructure, including electrical, mechanical, and IT systems.
• Experience in data centre setup, operations, and infrastructure management.
• Familiarity with industry standards (e.g., ISO 27001).
• Strong leadership, communication, and stakeholder management skills.
• Experience in budgeting, planning, and continuous improvement initiatives.
  
  HOW TO APPLY:
• Interested applicants, please click on “Apply Now” and provide the below details in your resume.
• We regret only shortlisted candidates will be notified.
• Important Note: Trust Recruit Pte Ltd is committed to safeguarding your personal data in accordance with the Personal Data Protection Act (PDPA).
• Please read our privacy statement on our corporate website www.trustrecruit.com.sg.
• Trust Recruit Pte Ltd
• EA License No: 19C9950
• EA Personnel: Ang Ren Jing (Dino)
• EA Personnel Reg No: R25146829R

Our client is one of the leader in the banking industry, they are seeking for an experienced tester to join the team.

Location: Jurong

Contract: 6 Month

Job description:

1. Participate in developing and implementing comprehensive test strategies, plans, and cases for various trade projects.
2. Execute all testing phases, including functional, integration, system, regression, and user acceptance testing (UAT).
3. Ensure the quality of software releases by identifying, documenting, and tracking defects.
4. Collaborate with development teams to analyze and resolve issues, ensuring defects are addressed promptly.
5. Adhere to robust defect management processes.
6. Support the definition and management of test environments, ensuring they are configured correctly and available for testing.
7. Assist in developing and maintaining test data strategies to support various testing scenarios.
8. Communicate testing progress, risks, and issues to the Test Lead and project stakeholders.
9. Prepare comprehensive test reports and metrics to evaluate testing effectiveness and project readiness.
10. Stay updated with industry best practices and emerging technologies in software testing and trade finance.
11. Identify areas for process improvement and contribute to implementing solutions to enhance testing efficiency and effectiveness.
12. Contribute to the enhancement of automated testing frameworks and tools.
13. Excellent communication and interpersonal skills.
14. Strong analytical and problem-solving abilities.
15. Ability to work independently and collaboratively in a fast-paced environment.
16. Detail-oriented with a commitment to delivering high-quality results.
17. Ability to manage multiple priorities and deadlines effectively.

PERSOL Singapore Pte Ltd • UEN No. 200007268E • EA License No. 01C4394 •EA Registration No. R21103542 (Ling Kai Jin)

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.        

Job description

Responsibilities

• Perform assembly and testing activities according to the production schedule, specifications, technical drawings, and work instructions.

• Support gas panel assembly, including pallet assembly, leak checks, system integration, functional testing, and final quality inspection.

• Maintain good housekeeping standards and adhere to manufacturing discipline and cleanroom protocols.

• Work collaboratively with team members to achieve production goals.

• Uphold strong Quality and Productivity standards in daily tasks.

• Work in a cleanroom environment as required.

• Overtime may be required based on operational needs.
  

Requirements

• NITEC/Diploma in Mechanical Engineering, Mechatronics, or a related discipline, with 1–2 years of manufacturing experience preferred.

• Applicants without the stated qualifications but with relevant experience may be considered based on overall merit.

• Able to read and understand schematic and mechanical drawings.

• Able to independently perform assembly work involving up to two processes on a platform.

• Experience in gas box or gas panel assembly within the semiconductor industry will be an advantage.

• Able to work rotating day/night shifts (rotation once every quarter or every two quarters).

• 3-4 / 4-3 shift pattern applies.

HOW TO APPLY:

Interested applicants, please click on “Apply Now” and provide the below details in your resume.

We regret only shortlisted candidates will be notified.

Important Note: Trust Recruit Pte Ltd is committed to safeguarding your personal data in accordance with the Personal Data Protection Act (PDPA).

Please read our privacy statement on our corporate website www.trustrecruit.com.sg.

Trust Recruit Pte Ltd

EA License No: 19C9950

EA Personnel: Ang Ren Jing (Dino)

EA Personnel Reg No: R25146829R

About Jet Asia Management

Jet Asia Management, founded in 2024, is a growing private jet management company specializing in tailored aircraft management solutions across the APAC region. We are committed to enhancing operational efficiency and delivering strategic asset planning that supports sustainable growth in the dynamic aviation industry.

Guided by transparency, integrity, and open communication, we prioritize building trust and empowering clients to make informed decisions. Backed by a team of highly experienced aviation professionals, Jet Asia Management delivers customized services that address each client’s unique challenges and aspirations while fostering strong, collaborative relationships.

Role Overview

We are seeking a Finance Executive to oversee the company’s financial operations and support sound business decision-making. This role is responsible for ensuring accuracy in financial reporting, compliance with regulatory requirements, and the timely preparation of management and statutory reports.

In addition, this role requires direct client interaction, including supporting financial discussions, preparing budgets and proposals, and delivering clear and insightful financial reporting to clients.

The successful candidate will work closely with cross-functional teams in Singapore and with the offsite team in Jakarta, providing financial expertise, analytical support, and operational insight to help drive the company’s growth.

Key Responsibilities

• Prepare, review, and finalize monthly and annual financial statements

• Manage financial reporting processes and ensure timely submission of statutory reports

• Monitor compliance with relevant accounting standards, regulatory requirements, and internal controls

• Conduct financial analysis and provide insights to support management decision-making

• Prepare and manage budgets, forecasts, and cash flow projections

• Deliver client-facing financial reports and presentations, ensuring clarity and transparency

• Participate in client meetings and discussions on financial matters, including cost planning and performance updates

• Liaise with auditors, tax agents, corporate secretaries, and other external stakeholders

• Support process improvements to enhance reporting efficiency and financial accuracy

• Collaborate with internal teams across Singapore and Jakarta on finance-related matters

Requirements

• Diploma or degree in Finance, Accounting, or a related field

• Strong proficiency in preparing and analyzing financial statements and reports

• Solid understanding of financial principles, accounting practices, and reporting standards

• Experience in financial reporting, compliance, and statutory matters

• Ability to communicate financial concepts clearly to non-financial stakeholders and clients

• Strong analytical, problem-solving, and organizational skills

• High level of accuracy and attention to detail

• Excellent communication and interpersonal skills

• Proficiency in relevant financial software and Microsoft Excel

Preferred Qualifications

• Prior experience in a similar finance role

• Experience in a client-facing finance or commercial role

• Experience working in a fast-paced or growing business environment

• Ability to work independently while coordinating effectively with regional teams

Responsibilities:

1. Plan and strategize for new store openings, lease renewals, relocations, expansions, and closures.

2. Handle negotiations and management of existing lease renewals with landlords.

3. Assess the impact of renovation schedules, sales transfers, initiative rollouts, and store movements.

4. Develop creative design concepts for tender proposals and maintain a network of designers for project collaboration.

5. Collaborate closely with Project and Maintenance teams to address facility, renovation, and landlord improvement issues.

6. Review lease contracts, seek legal guidance when necessary, and flag any inconsistencies or deviations.

7. Manage and track all lease documentation to ensure completion; keep leasing reports and schedules up to date.

8. Ensure compliance with legal and operational standards.

9. Conduct site visits to explore potential expansion opportunities.

10. Work with landlords and property agents to secure new sites via tenders or negotiations.

11. Keep up-to-date with real estate developments in Singapore and identify suitable locations for the brands.

12. Participate in relevant industry, social, and business networking events as needed.
    

Requirements:

1. Diploma / Degree in Business, Real Estate or related fields with minimum 2 – 3 years of relevant working experience in tenancy management and leasing 

2. Possess solid presentation skills, proficient in MS Office applications

3. Excellent negotiation and communication skills

4. Able to facilitate and orchestrate resources cross functionally to support business development activities

5. Highly motivated, acute business sense with an analytical mind
   

HOW TO APPLY:

Interested applicants, please click on “Apply Now” or submit your resume to ref71@trustrecruit.com.sg

We regret only shortlisted candidates will be notified.

Important Note: Trust Recruit Pte Ltd is committed to safeguarding your personal data in accordance with the Personal Data Protection Act (PDPA).

Please read our privacy statement on our corporate website www.trustrecruit.com.sg.

Trust Recruit Pte Ltd

EA License No: 19C9950

EA Personnel: Lee Jia Xiang

EA Personnel Reg No: R25158171

The client that we are partnering with is a prestigious bank that is well known for their personalised wealth management services. They are expanding their team of wealth management experts and are in a pursuit for experienced relationship managers to join them.

Job Responsibilities

• Relationship building with mass affluent clients
• Understand the financial goals of affluent clients and offer wealth management solution such as insurance, leverage products, structured products and investment products to help them protect & grow their wealth
• Provide excellent customer service and banking experience
• Regularly send customers information relating to market movements and trend analysis on the financial products that they have purchased and present new and suitable opportunities to customers
• Engage in networking and marketing campaigns to increase customer base
• Comply with all regulations and controls as set by the Bank and external regulatory authorities

Skills and Experience Required

• Minimum 3 years of sales of financial products experience
• Strong knowledge on financial instruments and products
• Strong knowledge in cross border regulations
• Effective communication skills
• Analytical and logical thinking

Only shortlisted candidates will be responded to; therefore, if you do not receive a response within 14 days, please accept this as notification that you have not been shortlisted.

Reg. No. R2199597

BeathChapman Pte Ltd

Licence no. 16S8112

As a business banking manager, you will be involved in acquiring new-to-bank Small Medium Enterprise (SME) clients and introducing the full spectrum of business banking products and services to meet the financial needs of the SME client.  

Key responsibilities:

• Acquire new-to-bank borrowing accounts through cold-calling and referrals
• Provide good customer service to clients by understanding their needs
• Engage in ongoing conversations with existing and new clients to understand their needs and requirements to assess how the bank is able to help them to protect and grow their wealth to achieve their business financial goals (ie. commercial property loans, trade facilities, asset-based financing etc.
• Provide accurate information regarding the benefits and privileges that the client will enjoy as a customer of the bank
• Comply with all regulations and controls as set by the Bank and external regulatory authorities

Skills and Experience Required:

• Minimum 2 years of sales / business development experience
• Strong knowledge of business banking products
• Strong analytical and interpersonal skills
• Excellent communication skills.
• Results-oriented, dynamic and self-driven
• Competent in engaging and managing internal and external clients
• Keen understanding of adherence to credit underwriting requirements.

Only shortlisted candidates will be responded to; therefore, if you do not receive a response within 14 days, please accept this as notification that you have not been shortlisted.

Reg. No. R2199597

BeathChapman Pte Ltd

Licence no. 16S8112

The client is a HNW insurance broker firm.

Job responsibilities

• Prepare presentation decks for sales team usage for client engagement

• Assist in gathering relevant information and documentation from clients and relevant stakeholders.

• Maintain service standards to develop and improve customer satisfaction and retention

• Ensure that all customer requests are handled in a timely and consistent manner

• Ensure that all transactions are in adherence to regulatory, compliance and internal audit requirements

• Support sales team to provide excellent service to high net-worth clients to achieve client retention

• Partner customer, Business Support and service providers to ensure timely transaction processing and service delivery of customers requirements and enquiries

• Help in organizing and executing client prospecting activities, including lead tracking and initial outreach.

• Support follow-up and meeting scheduling with prospective and existing clients and partners.

Skills and requirements 

• Diploma in Business Administration, Finance, Marketing, or related field.

• At least 3–4 years of experience in a support, coordination, or client service role. Familiarity with insurance application processes and terminology is a strong advantage.

• Strong organizational and time-management skills; able to multitask with minimal supervision

• Proficient in Microsoft Office (Word, Excel, PowerPoint)

• Excellent written and verbal communication skills

• Customer-focused with strong interpersonal and teamwork skills

Only shortlisted candidates will be responded to, therefore if you do not receive a response within 14 days please accept this as notification that you have not been shortlisted.

Reg. No. R2199597

BeathChapman Pte Ltd

Licence no. 16S8112

The client is a well-established insurance broker firm that partners with the private banks to provide wealth preservation solutions to private banking clients.

Job Responsibilities

• Prospect new business through sales and marketing activities & identify cross selling opportunities whenever possible
• Develop and maintain relationships with clients and understand their insurance needs
• Provide clients with sound advice on insurance products and recommend suitable solutions
• Ensure compliance with regulatory requirements and industry standards
• Work closely with insurance underwriters to secure the best terms and coverage for clients

Requirements & Skills

• Bachelor's Degree in Business or Finance
• Minimum 5 years of experience within the banking and financial services industry
• Excellent communication and interpersonal skills
• Highly organized and detail-oriented, with the ability to manage multiple clients and policies simultaneously
• Strong sales track record

Only shortlisted candidates will be responded to, therefore if you do not receive a response within 14 days please accept this as notification that you have not been shortlisted.

Reg. No. R2199597

BeathChapman Pte Ltd

Licence no. 16S8112

We are seeking a highly capable Solution Architect to lead the design and delivery of enterprise-grade technology solutions within the financial services domain. This role bridges business strategy and technology execution, driving digital transformation initiatives across cloud, application, integration, and data platforms.

The Solution Architect will be responsible for shaping scalable, secure, and future-ready architectures, supporting both pre-sales and delivery phases, and ensuring alignment with business objectives and regulatory requirements.

Key Responsibilities

1. Solution Design & Architecture

• Design end-to-end solution architectures across application, cloud, integration, and data domains
• Define scalable, resilient, and secure architectures aligned with enterprise standards
• Drive adoption of modern architecture patterns such as microservices, API-first, and event-driven design

2. Digital Transformation & Modernization

• Lead modernization initiatives including legacy transformation, cloud migration, and platform re-architecture
• Recommend architecture strategies leveraging cloudnative and automation approaches
• Ensure alignment with industry best practices such as DevSecOps, CI/CD, and platform engineering

3. Stakeholder Engagement & Presales

• Engage stakeholders to understand business requirements and translate them into solution blueprints
• Support presales activities including solution proposals, effort estimation, and technical presentations
• Articulate business value, ROI, and technology roadmaps to both technical and non-technical audiences

4. Delivery Leadership

• Provide technical leadership across the full project lifecycle (design → build → deploy)
• Collaborate with delivery teams, vendors, and partners to ensure successful implementation
• Govern architecture compliance, quality standards, and risk management

5. Technology Strategy & Innovation

• Evaluate and recommend emerging technologies across cloud, AI, automation, and data platforms
• Drive continuous improvement and innovation within solution offerings
• Contribute to reusable assets, frameworks, and reference architectures

6. Governance & Standards

• Ensure compliance with security, regulatory, and enterprise architecture standards
• Maintain architecture documentation, design artifacts, and technical standards

Qualifications

• Bachelor’s degree in Computer Science, Information Technology, or related field
• 10–15+ years of experience in IT, with solid exposure to solution architecture
• Experience within the financial services domain (banking, insurance, or related sectors)

Technical Competencies

• Experience in: Cloud platforms (AWS, Azure, or GCP)Microservices and API-driven architecture Integration platforms and middleware DevOps / DevSecOps practices Enterprise system design and distributed systems
• Good understanding of: Data architecture and analytics platforms Cybersecurity and regulatory compliance (financial services context)ITSM / ITIL practices

Certifications

• TOGAF or equivalent architecture frameworks
• Cloud certifications (AWS / Azure / GCP)
• PMP or equivalent

EA License : 02C3423

EA Personnel : R22108699

• Work Location - Clarke Quay, Central Region
• Working Hours - Mon to Thurs 8.30am - 6pm, Fri 8.30am - 5.30pm
• Monthly Salary - up to $2650
• Govt Agency, 6 +6 months contract

Job Scope:

• Support updates to the Chart of Accounts (COA) in the central system, including data verification for migration, system testing, and documentation of processes
• Assist in system enhancements by managing Change Requests and participating in new feature testing
• Maintain and update master data within the central system
• Organize, review, and update user guides and Standard Operating Procedures (SOPs)

Requirements:

• Diploma in any relevant field
• Strong analytical thinking, problem-solving, and critical reasoning skills
• Good time management with the ability to multitask and prioritize effectively
• Meticulous, detail-oriented, and able to work both independently and in a team
  

Interested candidates, kindly email your resume to: zuli.ng@tg-hr.com

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

We are looking for a Finance professional to support a broad range of financial functions, including reporting, compliance, operational processes, and continuous improvement initiatives. This role works closely with internal teams and external partners to ensure accurate financial management and efficient operations.

Key Responsibilities

Finance Operations

• Oversee day-to-day finance operations, including banking and treasury-related activities
• Process invoices, billings, and payments accurately and within established timelines
• Maintain up-to-date records of banking arrangements, including authorized signatories and contact details

Financial Reporting & Compliance

• Maintain and update full sets of accounts, including preparation of supporting schedules and working papers
• Prepare financial statements and coordinate with external auditors to facilitate timely completion of audits
• Manage corporate tax matters, including liaising with tax advisors and reviewing tax computations

Budgeting, Forecasting & Analysis

• Support budgeting and forecasting processes by working with various departments on financial projections
• Consolidate financial data and prepare management reports, including analysis of budget variances

Corporate Administration Support

• Assist with administration of bank and custodian accounts, including account setup, closure, and updates to signing authorities

Projects & Process Improvement

• Participate in finance-related projects, including system enhancements and workflow improvements
• Support the development and implementation of tools to improve efficiency and reporting accuracy

Additional Responsibilities

• Undertake other duties as required to support the finance function

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field
• At least 5 years of relevant working experience
• Strong knowledge of accounting principles and experience maintaining full sets of accounts
• Ability to work both independently and collaboratively in a team environment
• Proactive approach with strong attention to detail
• Interest or experience in finance systems, automation, or process improvement initiatives
• Experience in a listed company environment is preferred

Location: Marina One

Duration: 12 months contract

Salary: Up to $3970 + 1 month bonus

Job Responsibilities:

• Provide end-to-end transactions and policy services over the phone and emails within service level.
• Transactions include attending to email correspondences and processing of policies.
• Responding to clients’ queries and calls
• Handles refund and receipting
• Manage credit control for Commercial policies.
• Ensure efficient, accurate transactions is key in contributing to desirable pre-sales and after-sales support based on Customer Needs.
• Work towards achieving Key Performance indicators for self and for the team.
• Assist manager/supervisor to track and prepare monthly management reports and statement of accounts.
• Proficient in performing tasks following the Standard Operations Process (SOP) provided.
• Working with other teams and business partners such as Underwriter, Claims, Finance, Marketing, Client Management, IT, LTA, GIA and Bank, intermediaries etc. in achieving company objectives and delivering service standards
• Continuous service and process improvements to ensure that business standards/risks/controls are maintained or exceeded is important in contributing to new business growth and customer retention.
• Assist to transform business requirements into system enhancements, testing and implementing the requirements to ensure smooth operations where applicable.
• Undertake any duties as may be assigned.

Job Requirements:

• Minimum Diploma in any field
• Personal General Insurance and Commercial General Insurance Certification (BCP, PGI, CGI) preferred
• Good knowledge of General Insurance Products such as Motor, Travel, Home, and Personal Accident and Commercial Insurance.
• General Insurance principles and practices
• Customer Service skills and experience in calls and responding to customer’s emails.
• Excellent communication skills
• Attention to detail to ensure customer and policy data accuracy.
• Excellent team player and able to work well in a team.
• Good organization skills and able to multi-task well.

Ally
The Outsourcing Team
Recruit Express Pte Ltd
EA: 99C4599

Some careers have more impact than others. 

If you’re looking for a career where you can make a real impression, join HSBC and discover how valued you’ll be. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. 

We are currently seeking a high calibre professional to join our team as a Structured Product Specialist / Trader. 

In this role you will: 

• Support structured product development and lifecycle management (ideas, evaluation, approvals, launch readiness, due diligence and documentation)
• Source pricing for structured products and over-the-counter (OTC) options across asset classes from approved counterparties
• Provide timely pricing and product support to Relationship Managers, Investment Counsellors, Client Service Executives and clients
• Execute structured product and OTC option transactions; ensure accurate booking in dealing systems
• Deliver tailored solutions aligned to client objectives within suitability, risk and compliance requirements
• Produce internal investment commentaries and product updates
• Provide marketing support, training and presentations to frontline teams
• Coordinate with Operations and Technology to support settlement and improve workflow; maintain strong operational risk awareness

To be successful you will need: 

• Experience in structured products/derivatives, including OTC options, in a client-facing or execution role
• Strong multi-asset product knowledge (rates, credit, commodities, equities, funds and hybrids)
• Good understanding of suitability, risk and compliance requirements for regulated roles
• Strong execution, trade processing and attention to detail; familiarity with dealing systems
• Strong stakeholder management and communication skills (including training frontline teams)

The chosen candidate for this role will be required to undergo enhanced vetting. Subject to local laws, this will require the individual to satisfactorily pass a series of additional checks as part of the recruitment process and on an ongoing basis, if appointed to the role. HSBC Group reserves its position with regards to any steps which it may take in relation to any material adverse findings which arise either when the checks are originally completed, and/or if relevant, on an ongoing basis. 

Opening up a world of opportunity 
www.hsbc.com/careers 
https://portal.careers.hsbc.com/careers?query=39166&location=Singapore&pid=563774610557361&domain=hsbc.com&sort_by=relevance

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website. 

Issued by The Hongkong and Shanghai Banking Corporation Limited. 

https://www.youtube.com/embed/NIa2CodFG6E?si=sFOWeYmq5fs3vE5i%22