Join a Challenger Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you’re not afraid of taking on big challenges and redefining the future, you belong with us. You’ll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together. We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca ) one of the top banks in Canada on the Forbes World's Best Banks list since 2021. The Work Reporting to the Director Marketing, Growth Businesses and working alongside business unit stakeholders, Marketing (creative, product marketing managers) and Tech, the Senior Manager is responsible for establishing the strategy and roadmap for EquitableBank.ca, while managing a pod dedicated to the execution of the defined roadmap. Our website is a critical place – it's where mortgage brokers learn about our products and access resources, and where consumers interact with our brand, helping to build trust and credibility. It’s also a critical lead generation and conversion tool for our only direct-to-consumer lending business (reverse mortgages). This role is critical in establishing and managing our strategy to optimize impact, drive performance and leads to help Equitable Bank achieve its growth ambitions. The Core Responsibilities! Build and manage the product roadmap for EquitableBank.ca leveraging a deep understanding of our users, brand, & products to improve on-site experience & increase conversion to support Equitable Bank’s growth ambitions. Apply a particular emphasis to our only direct-to-consumer lending business (reverse mortgage), building tools and testing hypotheses to improve lead capture and conversion. In partnership with the business units, marketing & analytics, define goals and KPIs to measure success of the roadmap. Report on metrics that ladder up to overall OKRs. Partner with performance marketing team & analytics in the creation and maintenance of dashboards and tracking tools to monitor performance including overall effectiveness of design/feature enhancements & tests, make recommendations and share insights with key stakeholders. Work with legal, compliance, fraud, etc. to ensure protection of Equitable, and especially our customers. Assist with initiatives & website tests. Manage the backlog including prioritization for greatest impact, grooming, writing requirements and generally keeping the design & development team unblocked and running efficiently. Develop and implement strategies to improve organic search rankings, drive search traffic, and conversions using SEO or partnerships with external sources of user traffic. Execute keyword research and on-page optimization with respect to headings, page titles, descriptions, canonicals, URLs, internal link structures, etc. Let's Talk About You! 5-8 years demonstrated track record of developing and building successful strategy, roadmaps and successful digital products. 3+ years managing a dedicated pod including a full suite of resources including interfacing with tech, developers, designers and product marketers. Strong problem solver with ability to influence and inspire a cross-functional team to reach ambitious goals. Post-Secondary Degree in Commerce, Management, Economics, Finance, Engineering, Computer Science, etc. MBA or other graduate degree a plus. Familiarity and expertise with consumer technology, both common and leading. Familiarity with user experience & design principles, specifically for digital interactions. Proven strategic leadership experience and ability to initiate and execute projects. Strong verbal and written communication skills with the ability to engage and influence stakeholders at different levels in the organization. You have a curious and experimental mindset to drive innovation amidst uncertainty. Excellent organizational and analytical skills with strong attention to detail. What we offer (For full-time permanent roles) Competitive discretionary bonus Market leading RRSP match program Medical, dental, vision, life, and disability benefits Employee Share Purchase Plan Maternity/Parental top-up while you care for your little one Generous vacation policy and personal days Virtual events to connect with your fellow colleagues Annual professional development allowance and a comprehensive Career Development program A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well. We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position. We can’t wait to get to know you! #J-18808-Ljbffr
Senior Director, Risk & Compliance Technology Join a Challenger
Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you’re not afraid of taking on big challenges and redefining the future, you belong with us. You’ll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together. We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021. The Work
The Senior Director, Risk & Compliance Technology is part of the senior team that will enable EQ Bank’s Challenger Bank aspiration using cloud-native technologies and modern delivery methodologies. You will manage multiple cross-functional pods dedicated to launching new products, features, and ongoing business value for a portfolio of apps. As a Risk Management and Tech Delivery leader, you will leverage your experience in risk data and analytics, regulatory compliance, and strategic program delivery towards designing and implementing quantitative risk frameworks and effective oversight strategies. Your role will involve managing regulatory changes, optimizing business processes, and uniting cross-functional teams to achieve strategic objectives. You will lead strategic and roadmap planning, manage a team of more than 50+ internal and external resources/suppliers, and be part of C-suite conversations about technology transformation for the Bank. Reporting to the VP of Enterprise Technology & Data, the Senior Director is accountable for leading the delivery and support of Technology for components of the Enterprise Technology & Data portfolio, which includes Enterprise Compliance & Risk Tech, Finance & Treasury Tech, HR & Audit Tech and Enterprise Data & Analytics. As the primary Technology relationship manager and head of delivery, the Senior IT Director will manage all aspects of the delivery portfolio, including strategic and roadmap planning, managing a high-performance team, managing budget, managing vendor partners and suppliers, and contributing to executive level communications and strategy sessions. The Senior Director will lead their department through all areas of the SDLC, including Business Analysis, Solution Architecture, Design, Development, Quality Assurance/ Automated QA, Code Management, Release Management and Vendor Management. As new opportunities arise, the Senior IT Director will provide technology assessments, delivery strategies, roadmaps, estimates and recommendations for transitioning ideas into execution. The Senior Director will partner closely with Risk & Compliance business & operations, Cloud Platforms, Infrastructure & Operations, PMO, Risk, and Compliance/AML/Fraud Management teams. The Senior Director will oversee the maintenance and support of applications in the portfolio to maintain availability, resiliency, and currency objectives, including championing the resolution/prevention of major incidents through disciplined problem management and proactive activities. In addition to managing within the portfolio, the Senior Director will also provide practice-oversite and continuous improvement for one or more areas of the SDLC. Given the strong Risk & Compliance Tech and Data & Analytics focus, the Senior IT Director for Risk & Compliance Technology will manage and govern the Application & Data Architecture for the components they own and the development standards & processes. This individual is responsible for ensuring the team is highly productive and achieves strategic outcomes while meeting regulatory and internal delivery/governance requirements. The Core Responsibilities! Direct accountability for Application Architecture, Business Analysis, Quality Assurance, Source Code Management, Development, and Release Management for a Technology Portfolio. Manage resource demand forecasts and ensure resources and budget are continuously aligned with business priorities; manage elastic demand/supply capacity pipeline, including a stable of trusted contract or supplier resources to enable or accommodate fast pivots as necessary. Provide business domain expertise to manage delivery teams to ensure maximum project scope feasibility and business viability. Provide technical expertise and technology investment recommendations for new technologies and application systems. Oversee the creation and maintenance of solution designs based on understanding of business objectives and requirements. Ensure applications are developed and operate within acceptable Cybersecurity risk levels. Estimate and manage a plan for deliveries using delivery methodology expertise across both Agile, Waterfall and hybrid approaches. Primary subject matter expert with specialized knowledge relating to architecture, design, and functionality of the portfolio of systems. Manage and resolve production incidents for supported applications and business units (L2/L3). Let's Talk About You! Minimum 15+ years of North American experience in technology roles across FIs such as Director, Senior Solution Architect, Senior Development Manager, Senior Technical Delivery Lead with proven experience in leading teams. In-depth experience with regulatory initiatives including BCBS 239, OSFI B13, E23, Basel III, FINTRAC and/or the Fundamental Review of the Trading Book. Extensive expertise in modeling, analytics, and management practices across various risk disciplines, including market, credit, counterparty, operational, liquidity, AML, and fraud operations. Post-secondary degree in Computer Science, Engineering or related technical degree or equivalent experience is required. Strong technical skills with 15+ years of experience working within at least 2-3 of the following departments, or oversight of these departments: Software Delivery & Development, IT Strategy, IT Architecture, DevOps. Exemplary interpersonal, and presentation skills with expert collaboration and customer-relationship skills with a proven ability to engage with all levels of the staff and management across multiple partner teams. Expertise in both Agile and Waterfall delivery methodologies with accountability for large scale technology delivery. Strong experience with all facets of the software development life cycle including code management, environment management, DevOps, and Automated QA. Strong track record of project and people management with complex deliverables to drive business outcomes. Proven managerial leadership skills with inspiring, coaching, and building high performance teams. Demonstrated leadership skills including talent development, succession planning, and performance management. Proven track record to lead the product life cycle to build, measure, and learn from newly introduced products until market fit is achieved. What we offer (For full-time permanent roles) Competitive discretionary bonus Market leading RRSP match program Medical, dental, vision, life, and disability benefits Employee Share Purchase Plan Maternity/Parental top-up while you care for your little one Generous vacation policy and personal days Virtual events to connect with your fellow colleagues Annual professional development allowance and a comprehensive Career Development program A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well. We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position. We can’t wait to get to know you! #J-18808-Ljbffr
Join a Challenger
Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you’re not afraid of taking on big challenges and redefining the future, you belong with us. You’ll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together. We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021.
The Work
Equitable has transformed to a hybrid-agile delivery methodology with cross-functional Pods dedicated to launching new products, features, and ongoing business value for portfolios. The Software Developer Lead is an exciting role at Equitable which is accountable to lead and manage Pod delivery. Our vision is that the Lead and their Pod should be empowered and autonomous to drive production changes, with broader support from shared services teams such as Dev Ops & Release Management, Infrastructure, and Security.
The Software Developer Lead will be partnered with a Product Owner and Project Manager to drive the team to complete Discovery & Planning (initiation, scoping and planning), design & build Sprints, solution testing/hardening, releases to production, and ongoing build-measure-learn releases. As the Lead for the Pod, the Software Developer Lead will work with the team to set the approach for how the team will deliver code, including tailoring the Bank’s methodology and artefacts. The Lead will work with the core leads to provide status updates based on delivery progress, velocity/trends, quality, RAID, and impediments.
The incumbent will ensure that the solution being delivered is cohesive and meets intended business value across the collaborative team of BAs, Developers, QA / Automated QA and external Technology partners as required. In addition to project delivery, the Lead Software Developer and Pod team will also manage, plan and deliver backlog enhancements and fixes as ongoing releases for the aligned business portfolio.
While not a direct manager, using their experience, the Software Developer Lead will be required to train, guide, coach and/or mentor those in the Pod.
The core parts of your role would be to:
Plan and Manage the technology delivery of one or more projects/new products Partner with Project Managers and Product Owners to lead the Pod team to identify scope, user experiences and prioritize delivery via MVP/Release plan. Tailor delivery approach as required Co-facilitate Agile ceremonies (with Scrum Managers), including story-point estimation, story elaboration, sprint grooming, task assignment & management to completion, retrospectives, etc. Coordinate with shared service teams, such as Dev Ops, Infrastructure, & Security to release changes to production Collaborate with Technology Directors & Architecture to establish the high-level architecture and components of the solution Measure build progress, velocities, trends and quality to provide delivery status updates Identify and resolve impediments / RAID across Technology teams Drive continuous improvements within the Pod delivery and support overarching improvements towards the technology delivery methodology, tools and processes Let’s Talk About You
Minimum 7 years’ experience in the financial services industry and good knowledge of personal and commercial banking digital products Solid programming skills and experience troubleshooting applications (Spring based), including working with debuggers, flow analyzers and configuration tools Experience with Services Oriented Architecture and RESTful Architecture, web services Post-secondary degree in Computer Science, Engineering, or related technical degree or equivalent experience is required Familiar with Atlassian tools, including JIRA workflow Excellent interpersonal, communication, and presentation skills Hands-on problem solving skills to remove technical impediments and manage closure of RAID Ability to organize and coordinate senior resources with cross-functional skillsets as a holistic group with close collaboration and cooperation Experience working in a highly collaborative and customer-centric environment Additional desirable skills include:
Experience or familiarity with Open APIs, Technical Product Management, MicroService / Enterprise Service Bus architecture, cloud IaaS / PaaS, and mobile platforms Expertise with Confluence and JIRA What we offer (For full-time permanent roles)
Competitive discretionary bonus Market leading RRSP match program Medical, dental, vision, life, and disability benefits Employee Share Purchase Plan Maternity/Parental top-up while you care for your little one Generous vacation policy and personal days Virtual events to connect with your fellow colleagues Annual professional development allowance and a comprehensive Career Development program A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience The incumbent will be working hybrid and in office time will be spent working from Equitable Bank’s additional office space located at 351 King Street East, Toronto, ON.
Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well.
We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position.
We can’t wait to get to know you! #J-18808-Ljbffr
Senior Analyst, Analytics & Insights (Call Center & Operations) Join a Challenger
Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you’re not afraid of taking on big challenges and redefining the future, you belong with us. You’ll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together. We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021. The Work
The Analytics & Insights Sr. Analyst will be responsible for owning and driving the analytical models, experimentation, and reporting for the Customer Contact Center. The individual will support strategic initiatives by delivering actionable operational insights and analytical solutions. They will partner with both business stakeholders and technical teams to ensure data accuracy and availability, generate actionable insights, create self-serve dashboards, inform best practices, and provide clear recommendations for planning and optimizing our Customer Contact Center processes. This hands-on, technical role requires foundational understanding of forecasting techniques, statistical analysis, and NLP methods to address ambiguous and open-ended business challenges. Own Analytical Requests & Reporting Needs for Customer Contact Center (60%) Manage all analytical requests and reporting needs, including dashboards and written updates, for Customer Contact Center. Provide analytics and insights for key monthly and quarterly meetings with executives/senior stakeholders to inform strategic decisions and investments, FY target and performance tracking. Maintain and upgrade existing PowerBI dashboards to deliver scorecards and actionable insights across business lines from the lens of call center and Customer Contact Center. Support weekly and day-to-day tactical planning for call center stakeholders to ensure the freshest data and forecasting for workforce planning and management. Own the Analytical Models & Experimentation Needs for Customer Contact Center (20%) Perform complex forecasting and measure actuals against forecasts to identify key assumption changes and correlations to measured outcomes. Assist in bi-monthly schedule forecasting and annual headcount forecasting. Extract and manipulate data from multiple sources to proactively structure analysis, uncover data deficiencies, and share recommendations. Utilize statistical and NLP techniques to generate actionable insights for business problems. Guide Product Managers with clear recommendations on experiment designing and interpretation relevant to the workstream, including phased rollouts of new technologies, such as chatbots. Product Analytics & Supporting Strategic Decisions for Customer Contact Center (20%) Conduct root cause analysis to proactively identify customer pain points from call and chat transcript data and provide recommendations to business leaders. Collaborate with the Data enablement and BI Lead to ensure data completeness and availability for Customer Contact Center. Let's Talk About You! Bachelor’s degree in Business Administration, Engineering, Math, or Computer Science. 3-6 years of work experience in Analytics, Strategy, Data Science roles, ideally in Financial services preferred. Intermediate proficiency with Python and SQL, and prior experience with LLMs is required. Prior experience in Azure stack is preferred. Strong business acumen and passion for understanding and solving problems for consumers of financial services using rigorous data-driven methods and advanced analytical approaches. Experience in call center analytics projects will be a value add. Excellent analytical, modeling and problem-solving skills. Excellent oral and written communication skills. Proficient in using MS Office (Excel, Access, Power Point). Experience with databases (e.g. SQL code) and data visualization (e.g. Tableau) is an asset. Strong attention to detail and time management skills. What we offer (For full-time permanent roles) Competitive discretionary bonus Market leading RRSP match program Medical, dental, vision, life, and disability benefits Employee Share Purchase Plan Maternity/Parental top-up while you care for your little one Generous vacation policy and personal days Virtual events to connect with your fellow colleagues Annual professional development allowance and a comprehensive Career Development program A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well. We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position. We can’t wait to get to know you! Seniority level Not Applicable Employment type Full-time Job function Business Development and Sales Industries: Transportation, Logistics, Supply Chain and Storage #J-18808-Ljbffr
Join a Challenger Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you’re not afraid of taking on big challenges and redefining the future, you belong with us. You’ll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together. We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021. The work The incumbent is accountable for the design, development and support of new development, enhancements, from requirements through to successful deployment and support in the production environment. Main Activities Assess and clarify user experience and requirements (10%) Support experience design and functional requirements by providing technical solutions Analyze and provide feedback to evolve creative designs and functional requirements to define a customer centric solution Contribute to technical/non-functional requirements Technology Design (20%) Define an integrated, RESTful/SOAP API or ETL solution design with support from front-end and back-end system teams Create design artifacts using RAML and JSON Schema standards Define frontend responsive design solutions Work with Tech lead and development team to strive for best design per latest technology standards API Development (60%) Develop and support Interoperability APIs and MicroService applications Develop and support responsive UI using Angular7 Plan and estimate development tasks with team Participate in daily delivery SCRUMs to ensure Sprint delivery progression and resolution of issues Conduct unit testing on developed code, with automated testing where relevant Ensures test coverage and code quality of all deliverables by other developers in the team Lead code reviews of team members and manage MRs with various release branches with Tech Lead Develop and maintain comprehensive architecture designs and technical documentation Actively involved during QA triage to recommend and provide fixes Application Support (10%) Manage tagging of sprint deliverables and lead code deployments to various test environments and production implementations with DevOps team Assist incident management teams by troubleshooting and resolving production incidents Let’s Talk About You! This is the unique blend of skills and experience we would love to see in an ideal candidate: Master’s or bachelor’s degree in Computer Science or a related technical field with solid understanding of data-structures, algorithms and computation complexities 4+ years strong experience in Java 7/8, J2EE/JEE , Spring MVC, Spring Security, Springboot, Hibernate and JPA Deep knowledge of REST API, Microservices Strong knowledge of database – MYSQL 2+ years strong hands-on experience in frontend technologies preferably Angular 2+ Solid hands-on development experience on writing JUNIT and Spring integration tests Hands-on experience with Git Experience on Maven/Gradle build and deployment process Knowledge and experience of CI/CD - working with Jenkins Experience working with Jira and Confluence Experience working in financial industry and knowledge of banking products is a definite asset Self-starter who can take a concept and drive it through to the design and implementation Strong oral and written communication skills Remain knowledgeable of current technology and carry out research to identify new trends that can be used to achieve maximum results Carry out other technical related duties that may be required Nice to Have: Cloud solutions – Azure Kubernetes Services (AKS) Knowledge of RAML Knowledge of Docker Knowledge of Kanban, APM Management of hosting environment, including database administration and scaling an application to support load changes Please note: This role will be Hybrid or Remote based on your preference. What we offer (For full-time permanent roles) Competitive discretionary bonus Market leading RRSP match program Medical, dental, vision, life, and disability benefits Employee Share Purchase Plan Maternity/Parental top-up while you care for your little one Generous vacation policy and personal days Virtual events to connect with your fellow colleagues Annual professional development allowance and a comprehensive Career Development program A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience The incumbent will be working hybrid and in office time will be spent working from Equitable Bank’s additional office space located at 351 King Street East, Toronto, ON. Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well. We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position. We can’t wait to get to know you! Seniority level Not Applicable Employment type Full-time Job function Engineering and Information Technology Industries Transportation, Logistics, Supply Chain and Storage #J-18808-Ljbffr
Join a Challenger
Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you’re not afraid of taking on big challenges and redefining the future, you belong with us. You’ll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together. We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021. The Work
This position is a senior-level role requiring at least 10 years of work experience. The Privileged Access Management (PAM) Engineer is responsible for designing, implementing, and administering EQ Bank’s PAM solutions, with a primary focus on integrating PAM capabilities with Active Directory (AD) and Microsoft Entra ID (formerly Azure AD). This role is crucial in securing privileged accounts, implementing least-privilege access, and enhancing the organization’s security posture across hybrid environments. Additionally, the PAM Engineer will mentor intermediate and junior staff, helping them become more knowledgeable and effective in their roles. The Core Responsibilities!
Design, implement, and manage PAM solutions to secure privileged accounts across on-premises and cloud environments Integrate PAM systems with AD, Entra ID, and other identity sources for seamless authentication and access management Develop and enforce least-privilege access policies and ensure proper segregation of duties. Configure and manage privileged access workflows for user provisioning, deprovisioning, and access requests Monitor and audit privileged sessions to detect and respond to unauthorized access attempts Collaborate with cybersecurity teams to align PAM practices with the organization’s overall security strategy Conduct regular health checks and maintenance of PAM systems to ensure high availability and performance Implement and maintain Multi-Factor Authentication (MFA) policies for privileged accounts Develop and maintain detailed documentation for PAM processes, configurations, and policies Work with the IT team to ensure secure remote access for privileged users Lead PAM-related projects, including upgrades, migrations, and integration with other security tools Let's Talk About!
Minimum of 10 years of experience in an IT support and/or engineering role for corporate applications Strong knowledge of Privileged Access Management (PAM) solutions, such as Hashicorp’s Vault/Boundary, CyberArk or BeyondTrust Deep understanding of Active Directory and Microsoft Entra ID, including hybrid identity integration Familiarity with Multi-Factor Authentication (MFA) and conditional access policies for privileged accounts Proficiency in scripting languages, such as PowerShell and/or Power Automate for automating PAM tasks and integrations Knowledge of identity governance principles, including least privilege and Role-Based Access Control (RBAC) Experience with PAM-related protocols and technologies, such as RDP, SSH, and VPN Ability to educate and influence non-technical stakeholders on PAM best practices High attention to detail and ability to adhere to strict security protocols Ability to work effectively within a team and independently as required What we offer (For full-time permanent roles)
Competitive discretionary bonus, Market leading RRSP match program, Medical, dental, vision, life, and disability benefits, Employee Share Purchase Plan, Maternity/Parental top-up while you care for your little one, Generous vacation policy and personal days, Virtual events to connect with your fellow colleagues, Annual professional development allowance and a comprehensive Career Development program, A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience. Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well. We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position. #J-18808-Ljbffr
T24 Staff Software Engineer, Digital Banking (Core Banking) Join a Challenger
Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you’re not afraid of taking on big challenges and redefining the future, you belong with us. You’ll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together. We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. The EQ Bank Engineering Team
EQ Bank Engineering Team has been advocating building best-in-class branchless digital banking experience to advance millions of Canadians’ personal financial goals since its inception. The team believes that the more agile and seamless banking features we build, the more wealth opportunities Canadians can unlock. Engineers in EQ Bank adopt the agile mindset to continually create, test, deploy, improve, and scale banking digital services. Our partnership with Wise, Nesto, Ratehub, Flinks, Borrowell, and Neo Financial has given us top-notch banking consumer insights, and therefore, these insights allow the Engineering Team to build a differentiated and unique digital banking platform. The team is on an 18-to-24-month transformational journey and ready to expand more banking features by growing double-digit team size to triple-digit. Join us to lead engineers on a transformational journey! Purpose of Job
The Technical Lead, Software Engineering, Digital Banking (Core Banking) is part of the team that will enable EQ Bank’s Challenger Bank aspiration: A banking platform to put the power in customers’ hands. Every feature we build is designed to give our customers an edge over their money to maximize their potential. You will use cloud-native technologies and product-centric agile methodologies to manage multiple cross-functional pods dedicated to launching new products, features, and ongoing business value for our digital bank apps. Reporting to the Associate Director, Engineering, you will help drive forwards the evolution of our core banking platform to support our modern, API-driven micro-services architecture using foundational Azure Cloud, DevOps, API, and PaaS services to deliver dozens of production releases per month. You will lead a cross-functional team through all areas of Agile Software Development and will partner closely with Digital Banking Business and Product teams to prioritize and deliver outcome driven solutions. Accountability
The T24 Application Specialist, Digital Banking works under direct management and their work is reviewed by the Associate Director, Core Banking. The incumbent should be internally motivated, and constantly strive to find innovative ways to enhance capability, methodology and practice; always be looking to maximize business value by balancing strategic technology plans with speed of delivery. The T24 system under your care is a core banking system with multi-million $ value and the recipient of serious funding investments ongoing by Equitable. The projects that you will be involved in delivering will involve significant dollar values so you will use your experience to make sure everything app related is managed with great diligence, and that Temenos vendor gaps are addressed in a way that does not impede progress of Equitable’s objectives or day to day work. The Work Assess business requirements for enhancements or new functions/modules under a technical and functional lens and provide relevant feedback Interact with Temenos by reviewing technical and integration requirement documents as well as functional/technical specification documents Control and Manage the life cycle of project bugs and minor enhancements/improvements Assess, plan and estimate application changes in coordination with tech and business teams Administration and setup of Development and Test environments of Temenos Core Banking Application Configuration, Administration & Troubleshooting of T24 multi-server high available architecture COB (Close of Business issues) troubleshooting includes Year End, Month End & Daily COB Support & COB Optimization Deploy and generate BCON packages requested by the environment manager Interface and coordinate with Temenos for technical support and any issue reported during project lifecycle Project Execution – perform tasks under the directions of the Manager of IT and/or according to a project plan in a way such that the timeline of the project is observed, and the requirements of the task are satisfied Responsibilities Act as a technical reference point for T24 with existing Agile PODs Manage and communicate issues Work with internal partners (PODs) + vendors to triage and resolve issues Design and develop L3 level features for T24 transact, the candidate is responsible of writing code that complies with enterprise guiding principles (i.e. performance, scalability, security) and TEMENOS coding standards Can propose, document, and align solutions through high level and detail design for various temenos layers Support application rollout and upgrade initiatives and document as needed Follow change control processes Apply business and technical expertise to ensure cohesive functional & technical delivery Ensure solutions and delivery will meet the Bank’s needs, this includes performance, scalability and security Plan and manage the technology delivery of one or more projects/products Measure, analyze, and improve delivery metrics (ex: velocities, burn downs, trends, quality, etc.), with a goal to establish continuous flow Solve technical problems; remove impediments Let's Talk About You Have a Bachelor or Master Degree in Computer Science Have 5+ years of Temenos T24 experience Have 3+ years of TAFJ Have 3+ years of R17+ versions of T24 Have extensive knowledge and expertise of SAFe, retail modules (especially, Account Arrangement), and web service modules (including TWS, TCIB, & IRIS) Preferred experience with T24 Canadian Mobile Banking Preferred experience working in a Canadian banking or regulated financial services environment Preferred experience in Database administration Comprehensive deep domain knowledge in Lending and/or Online Retail Banking Robust understanding of Cloud deployments type and service models Good problem-solving skills The incumbent is expected to interact with everyone including executives and thus good verbal and written skills are important. Excellent interpersonal, communication, and presentation skills Hands-on problem-solving skills to remove technical issues Ability to organize and coordinate senior resources with cross-functional skillsets, and play nice with the team Experience with Atlassian cloud (Confluence and JIRA) What we offer (For full-time permanent roles)
Competitive discretionary bonus
Market leading RRSP match program
Medical, dental, vision, life, and disability benefits
Employee Share Purchase Plan
Maternity/Parental top-up while you care for your little one
Generous vacation policy and personal days
Virtual events to connect with your fellow colleagues
Annual professional development allowance and a comprehensive Career Development program
A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience
The incumbent will be working hybrid and in office time will be spent working from Equitable Bank’s additional office space located at 351 King Street East, Toronto, ON. Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well. We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position. We can’t wait to get to know you! #J-18808-Ljbffr
Get AI-powered advice on this job and more exclusive features. Join a Challenger Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you’re not afraid of taking on big challenges and redefining the future, you belong with us. You’ll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together. We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021. The Work The Senior Software Engineer will be a part of Equitable Bank’s strategic, digital initiatives. Primary responsibilities include designing, developing and supporting our web applications and building RESTful/SOAP APIs and ETL solutions for web/online channels. The incumbent will also provide technical guidance, mentorship and knowledge sharing with other software developers. Assess and clarify user experience and requirements (10%) Support experience design, functional requirements and digital product definition by providing technical solutions Analyze and provide feedback to evolve creative designs and functional requirements to define a customer centric solution Contribute to technical/non-functional requirements Technology Design (20%) Lead the design, development, and maintenance of a high-performance web application Define an integrated, RESTful/SOAP API or ETL solution design with support from front-end and back-end system teams Create design artifacts using RAML and JSON Schema standards Application Development (50%) Build and optimize our front-end solutions for performance, scalability, and usability, ensuring a smooth and responsive user experience Develop and support APIs and Micro service applications as required Plan and estimate development tasks Participate in daily delivery SCRUMs to ensure Sprint delivery progression and resolution of issues Application Support (10%) Assist incident management teams by troubleshooting and resolving production incidents Technical Leadership (10%) Mentor and train other developers Provide technical expertise to make code design and implementation decisions Let's Talk About You! Bachelor’s degree in Computer Science or a related technical field Solid knowledge (7+ years) in J2EE/JEE software delivery or software development including multiple frameworks such as Hibernate, Spring MVC, Spring Security, SAML, OAuth, OIC 3+ years of hands-on experience building RESTful/SOAP API solutions Proven experience in working with front-end technologies like Angular.js, CSS, HTML and JavaScript/TypeScript Experience with configuration, deployment and testing of enterprise software applications Experience with SQL Server database, Azure managed SQL Server Previous working experience with Mule ESB or MuleSoft Anypoint Platform is a definitive plus Experience with bug tracking and collaboration software: Jira, Confluence or similar Experience with Unit Testing frameworks and tools (Junit, MUnit or TestNG) and source control software (CVS, SVN, Git or similar) Experience working in financial industry and knowledge of lending products is a definite asset Self-starter who can take a concept and drive it through to the design and implementation Strong oral and written communication skills What we offer (For full-time permanent roles) Competitive discretionary bonus Market leading RRSP match program Medical, dental, vision, life, and disability benefits Employee Share Purchase Plan Maternity/Parental top-up while you care for your little one Generous vacation policy and personal days Virtual events to connect with your fellow colleagues Annual professional development allowance and a comprehensive Career Development program A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well. We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position. We can’t wait to get to know you! Seniority level Not Applicable Employment type Full-time Job function Engineering and Information Technology Industries #J-18808-Ljbffr
Get AI-powered advice on this job and more exclusive features. Purpose of the Job:
The Director, Technology Integration Portfolio Architecture is a senior leadership role that supports EQ Bank’s aspiration to be a leading challenger bank. The role focuses on developing and maintaining the business architecture for key functions within the Enterprise Technology & Data Portfolio. This involves creating and implementing technology and data solutions to meet current business needs and align with future strategic directions.
The Director ensures the consistency and integrity of functional capabilities across multiple cross-functional, business-led, and technology-driven initiatives. They align these efforts with the business and technology strategies of Equitable Bank. A key responsibility is leading strategic and roadmap planning for an integrated functional architecture, leveraging existing solutions while ensuring the functional integrity of supported corporate departments.
This role is critical in aligning EQ Bank’s banking strategies with IT initiatives to optimize portfolio value. The Director oversees modeling, roadmap development, portfolio planning, capacity and demand management, and intake processes. Managing a team of senior business systems analysts, application engineers, and internal/external resources, the Director participates in senior-level and C-suite discussions on technology planning and integration within the bank.
Additionally, the Director assumes responsibility for business solution design and architecture across the portfolio, leading a team of business and data analysts and other resources as needed. They provide relationship management across internal stakeholders, external partners, and third-party vendors to ensure seamless collaboration and delivery.
Main Activities:
Key Contributions and Responsibilities include: Portfolio Management: A key contributor to managing the Enterprise Technology and Data Portfolio by liaising with multiple business and technology stakeholders Develops and maintains business architecture frameworks aligned with the bank’s strategic goals Business Modeling and Road mapping: Creates and manages detailed process models and roadmaps to guide the development and implementation of business and data solutions Portfolio Planning: Oversees the planning and prioritization of projects within the portfolio, ensuring alignment with strategic objectives Capacity and Demand Management: Effectively manages capacity and demand to ensure optimal resource allocation and utilization Leads the intake process for new project proposals, including evaluation, sizing, prioritization, and approval Drives and oversees the delivery of select complex, high-stakes technology integration initiatives Ensures milestones from the integration roadmap are met, leads teams with minimal support, and addresses ambiguity by identifying solutions or escalating issues as necessary Stakeholder Collaboration: Engages closely with stakeholders to understand business needs and translate them into actionable plans Tracks and reports portfolio performance, identifies areas for improvement, and ensures successful project delivery Defines and executes integrated plans for specific integration program components, including key activities, milestones, and roles for delivery teams (both internal and third-party) Functional Leadership: Acts as a subject matter expert and authority for the solutions delivered for select integration program components Serves as a catalyst for change, driving improvements in performance and quality across technology teams Supports the monitoring of technology investments and associated payback periods to ensure financial efficiency Agile Compliance: Ensures adherence to agile project delivery methodologies and contributes to the continuous improvement of practices Knowledge/Skill Requirements: A graduate degree (e.g., Master's in Business Administration, Information Technology, or a related field) or equivalent experience is preferred At least 15 years of progressive leadership experience with a proven track record of successfully leading cross-functional teams and managing complex transformation initiatives. This is an individual contributor role initially, with the potential to transition into a people management role as the function evolves A minimum of 10 years of experience in financial services, with a strong understanding of business solutions, products, and the regulatory environment At least 10 years of expertise in business architecture, portfolio management, and strategic planning, ideally within the banking sector Advanced experience in Agile methodologies, program leadership, and project management, including leading large, cross-functional strategic initiatives with significant organizational impact Strong analytical thinking, problem-solving abilities, and process orientation with demonstrated business acumen in the financial services industry Highly developed skills in collaboration, relationship-building, and communication Advanced verbal and written communication skills, including negotiation, influencing, and group facilitation Proven ability to work across all levels and functions within an organization to drive actionable results through influence and collaboration Advanced organizational skills with exceptional attention to detail and quality of deliverables Demonstrated ability to manage multiple priorities effectively, balancing both long-term and short-term objectives Strong experience with portfolio management and business architecture tools and methodologies Advanced ability to conduct research on emerging technologies, standards, and products as required #J-18808-Ljbffr
Get AI-powered advice on this job and more exclusive features. Join a Challenger
Being a traditional bank just isn’t our thing. We are big believers in innovating the banking experience because we believe Canadians deserve better options, and we challenge ourselves and our teams to creatively transform what’s possible in banking. Our team is made up of inquisitive and agile minds that find smarter ways of doing things. If you’re not afraid of taking on big challenges and redefining the future, you belong with us. You’ll get to work with people who will encourage you to reach new heights. We like to keep things fun, ask questions and learn together. We are a big (and growing!) family. Overall we serve more than 670,000 people across Canada through Equitable Bank, Canada's Challenger Bank, and have been around for more than 50 years. Equitable Bank's wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $125 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people's lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World's Best Banks list since 2021. The Work
Reporting to the Vice President, Growth Businesses, the Director will be a key contributor to the growth agenda of Equitable Bank’s Reverse Mortgage and Insurance Lending businesses. Key responsibilities include designing and executing go-to-market marketing strategies for various B2B, referred and D2C channels, establishing partnerships and playing a critical role in the achievement of annual originations targets. The overall objective of this role is to take a leadership role in the next phase of growth for the Reverse Mortgage and Insurance Lending businesses. Collaborating with internal and external stakeholders to implement high-impact strategies that resonate with clients. The incumbent will have experience working with a data-driven team that intersects product, marketing, customer experience and operations. This is an exciting position that will make a significant impact on rapidly growing and strategically important businesses for the Bank. The Core Responsibilities! Lead the team responsible for reverse mortgage and insurance lending marketing and growth strategies, tactical planning, execution, and evaluation. Work collaboratively with a wide variety of key stakeholders across reverse mortgage and insurance lending businesses including Credit, Sales, Customer Experience, Marketing, IT and Operations leadership and teams to define strategies / mitigants, execute tactics driving business growth, and measure performance. Present strategies, plan, and performance to SVPs and when appropriate, broader MC. Own the relationships with key external partners and vendors to drive marketing strategy. Build and manage a high-performing team of marketers and analysts, to meet the dynamic needs of the businesses. Contribute to the development and execute strategies to grow product revenue, improve lead conversion rates and optimize margins in close partnership with Product, Credit and Sales. Manage development and market launch of all new and enhanced reverse mortgage and insurance lending products through the Bank’s product approval processes and provide training, sales collateral, and sales support for product distribution. In partnership with Single Family Business Development team, endeavour to increase market share in national mortgage broker and advisor channels. In close collaboration with Marketing, evolve top and middle funnel performance in a manner that achieves market leading conversion ratios and customer acquisition cost (CAC) performance. Lead the creation of a digital experience for Canadian retirees seeking to educate themselves and to originate a reverse mortgage. Manage client and competitor market research, influence product innovation roadmap, and address fundamental trials of product commoditization to create an advanced set of solutions. Let's Talk About You! Post-Secondary Degree in Commerce, Management, Economics, Finance, Engineering, etc. 7+ years of experience in fast-paced B2B and D2C organizations, strategy and/or in management consulting. 4+ years’ mortgage underwriting or insurance lending experience. 4+ years of management experience. Experience launching products into new channels, at a scale. Working knowledge of the Canadian financial services landscape, particularly with respect to retail banking, financial planning and mortgage lending. Experience managing cross functional areas with direct and indirect reports (e.g., risk, finance, marketing, operations). Demonstrated ability to translate analytical insights into clear recommendations and effectively communicate them to technical and non-technical stakeholders. Working knowledge of the different systems, theories, and practices relevant to a function as well as practical experience of multiple business cycles. Excellent written and verbal communication. What we offer (For full-time permanent roles) Competitive discretionary bonus Market leading RRSP match program Medical, dental, vision, life, and disability benefits Employee Share Purchase Plan Maternity/Parental top-up while you care for your little one Generous vacation policy and personal days Virtual events to connect with your fellow colleagues Annual professional development allowance and a comprehensive Career Development program A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well. We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position. We can’t wait to get to know you! #J-18808-Ljbffr
