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Management Trainee Programme
Welcome to our Hang Seng Bank Management Trainee Programme career page.
Our Management Trainee Programme will offer you a well-rounded development experience and exposure to our banking business for your personal and professional growth. You will find useful information to help you understand the qualities we are looking for in our Management Trainees and the career prospects we offer as the Best Bank – Domestic (Hong Kong) rated by The Asset since 2000 on serving our local community, at the same time being recognised as one of the World’s Top 100 most sustainable companies.
Over the years, our Management Trainees have become an integral part of our talent pipeline for key roles in the Bank. Take a look at the stories of our existing Management Trainees on our career page. I invite you to embark on your own journey to a successful career with Hang Seng.
Louisa Cheang
Vice-Chairman and Chief Executive
Hang Seng Bank Limited
About
Hang Seng’s 3-year Management Trainee Programme is offered in seven business / function streams: Commercial Banking, Global Banking, Global Markets, Insurance, Digital Business Services, Wealth and Personal Banking as well as Strategic Planning and Corporate Development. The Programme prepares recent graduates to take up executive-level positions by providing the skills and professional development needed for a high-flying banking career. To find out more about each business / function stream, please check out Our Business section. To learn more about the programme and submit application, please click the relevant link(s) below.
Business / functional streams
Commercial Banking
What to expect
It takes around 1 year to rotate around the frontline, middle-office and functions of Commercial Banking (CMB). This diverse experience under the whole spectrum of the business will give you the necessary grounding and knowledge to take up a 24-month placement in your second and third year of the Management Trainee Programme.
During your 3-year programme, you will be arranged to join short-term attachment in Hang Seng China to gain exposure to the China business and market.
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1 month
Training & Familiarisation
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12 months
Job Attachment
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24 months
Placement & Graduation
Job attachment
CMB Chief Operating Officer’s Office
- Understand the operational flow between Chief Operating Officer’s Office (COO Office) and other departments within CMB as well as with Group
- Acquire a basic understanding of CMB business model, products, strategies and policies
Corporate Wealth and Sales Management
- Learn how to provide professional advice to corporate customers on cash management, treasury, insurance and investment products – all areas of expertise that are crucial to success in the competitive CMB segment
Global Trade and Receivable Finance
- Acquire an overview on Global Trade and Receivable Finance products and daily activities, which are critical in providing quality lending services to customers
Global Liquidity and Cash Management
- Understand the product development of Global Liquidity and Cash
- Management and its commercialisation of product cycle
Relationship management
- Gain valuable connections and experience through managing a portfolio of commercial customers.
- Deepen your knowledge of various industries and hone your financial analysis skills
Corporate Digital
- Gain insight into commercialisation of digital initiatives and digital journeys, building AI and advanced analytics to achieve excellent customer experience, grow and protect the bank at the same time
Global Banking
What to expect
The Global Banking (GB) Management Trainee Programme will take you around 13 months to attach in various Global Banking businesses and related functional departments. This experience will give you the necessary grounding and knowledge to take up the subsequent 20-month placement in Global Banking division. Besides departmental attachment and placement, you will also participate in short-term familiarisation sessions and visits to businesses and functions who work closely with Global Banking.
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1 month
Training & Familiarisation
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13 months
Job Attachment
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22 months
Placement & Graduation
Job attachment
Global Banking / Financial Institutions Group Relationship Management
- Gain experience to provide a broad spectrum of financing solutions to large corporations and financial institutions
- Exposure to a comprehensive range of products and services including bilateral and syndication loans, project financing, property development financing, property investment loans, working capital financing, trade financing, cash management and treasury products
- Learn from experienced and knowledgeable professionals to understand the specific requirements of our customers and to provide tailor-made financial packages in their best interests
Global Trade and Receivable Finance
- Acquire an overview on Global Trade and Receivable Finance products and its servicing model
Global Liquidity and Cash Management
- Understand the product development of Global Liquidity and Cash Management and its commercialisation of product cycle
Debt Capital Markets Origination
- Acquire basic bond market knowledge
- Understand the HASE DCMO business model and strategic focuses
Structured Finance and Commercial Real Estate
- Understand the origination and structuring of Syndicated/Structured Finance transactions
- Acquire a basic understanding on commercial real estate loans and advances
Treasury Solutions
- Collaborate with various internal stakeholders such as Relationship Managers, Branches and other internal departments to identify customers’ hedging needs and provide appropriate treasury products and solutions
Corporate Wealth and Sales Management
- Learn how to provide professional advice to corporate customers on wealth management products and the related internal control functions
Global Banking Chief Operating Office (GB COO)
- Understand the operational flow between Global Banking Chief Operating Office and other departments within Global Banking
- Acquire a basic understanding of Global Banking business model, products, strategies and its internal compliance / control functions
Wholesale Credit and Market Risk
- Understand the approvals, policies, portfolio management and recovery of the Bank’s wholesale credit and market risk exposures
Regulatory Compliance
- Understand how Regulatory Compliance provides proactive assistance in identifying, assessing and containing Compliance Risk; fostering a compliance culture; optimising relations with regulators; and preserving the Bank’s reputation in the marketplace by ensuring that our policies comply with the spirit and letter of the laws and regulations wherever we do business
Financial Crime Compliance
- Understand the importance of Financial Crime Compliance (FCC) risk management in Global Banking’s day-to-day operations and how Financial Crime Compliance Department supports anti-money laundering investigation, formulates policies and framework on sanctions and anti-bribery and corruption issues
- Acquire a basic understanding on the Group’s anti-money laundering policies and regulatory requirements
Global Markets
What to expect
The Global Markets (GM) Management Trainee Programme will take you around 12 months to attach in various Global Markets business departments. This experience will give you the necessary grounding and knowledge to take up the subsequent 19-month placement in one of the Global Markets business departments. Besides departmental attachment and placement, you will also participate in short-term familiarisation sessions and visits to Global Markets-related businesses and functions, for a better understanding of various businesses and functions operations.
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5 months
Training & Familiarisation
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12 months
Job Attachment
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19 months
Placement & Graduation
Job attachment
Balance Sheet Management
- Understand the roles and responsibilities of the Balance Sheet Management team in the Bank
- Gain knowledge on how interest rate, liquidity and funding risk are managed
Treasury Solution
- Collaborate with various internal stakeholders such as Relationship Managers, Branches and other internal departments to identify customers’ hedging needs and provide appropriate treasury products and solutions
Trading
- Understand the purpose, structure and framework of different departments under Trading, such as Interest Rate Trading, Repo Trading, Foreign Exchange
- Turn theory into practice, real-time experience of trading, hedging activities and strategy formulation spanning various asset classes among different markets around the globe
Structured Products
- Get involved in structuring and developing FX/ Equity/ Interest Rate-linked products
- Understand the dynamics and competitive landscape of structure products as investment and hedging solutions to various client segments of the Bank, including Wealth and Personal Banking, Commercial Banking and Global Banking clients
Insurance
What to expect
Insurance is a fast-growing business and is one of the key revenue drivers of Hang Seng Bank. We have our wholly-owned subsidiary, Hang Seng Insurance Company Limited, to develop a full spectrum of insurance products from Life Insurance manufacturing to distribution of General Insurance and Medical products. The programme is suitable for high-calibre candidates who have a passion to develop a career in the Insurance / Bancassurance industry.
The 36-month Insurance Management Trainee Programme will expose you to our Insurance businesses ranging from strategic positioning, product development, sales management, digital channel, servicing propositions, customer experience, risk and control, actuary to investment functions. We offer two streams in Insurance Management Trainee programme - actuarial stream and generalist stream. In the actuarial stream, you will have various attachments in different actuarial functions including Experience Study, Product Pricing, Economic Capital, Financial Reporting and Asset Liability Management. In the generalist stream, the first 24 months will be attachments to different core insurance business departments, e.g. Underwriting and Claims, product development of Life, General Insurance, Medical and MPF products, distribution to personal and commercial customers as well as other special projects, followed by a 12-month placement based on your career interest and business need.
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1 month
Training & Familiarisation
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36 months for Actuarial
24 months for GeneralistJob Attachment
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12 months for Generalist
Placement & Graduation
Job attachment
Life Insurance
- Take part in supporting the business growth and Life product development, with roles in implementing new product launch initiatives, product feature design and sales performance
- Opportunity to contribute to digital development as the up-and-coming trend in the insurance industry
General Insurance, Medical Insurance and MPF
- Participate in strategic management of General Insurance, Medical Insurance and MPF and collaborate with our strategic partners QBE and BUPA
- Exposure to matching sales target and negotiate terms with our partners, as well as developing marketing and sales strategies focusing on your business lines along with sales channel analysis
Insurance Actuarial, Risk Management and Investment
- Acquire expertise through active engagement in multiple insurance
actuarial and risk management tasks, such as Asset Liability Management addressing market risk, valuation of insurance business, and product development including experience studies amongst other quantitative analysis - Work with our Investment team on managing the insurance premium assets
Channel management and servicing proposition
- Opportunity to work with different stakeholders to develop and implement multi-channel (e.g. branch network, commercial and corporate channel, digital and phone banking) strategies to meet customer demands
- Involve in underwriting, claims and policy servicing propositions that improve client service quality
Digital Business Services
What to expect
The 3-year structured Management Trainee track with Digital Business Services will expose you to the key functions of Operations, Corporate Real Estate, Information Technology, Chief Administration Office, Chief Control Office, Procurement, Transformation and Contact Centre Transformation.
Your first 24 months will include initial orientation, class-room training, familiarisation and attachments in core Digital Business Services functions as well as other business functions. Digital Business Services Management Trainee will also join a 2-month China attachment. After the rotational programme, you will start a 12-month placement in a designated Digital Business Services function to gain an in-depth knowledge of specific systems and processes that underpin the running of a successful bank.
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1 month
Training & Familiarisation
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24 months
Job Attachment
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12 months
Placement & Graduation
Job attachment
Operations
- Acquire a thorough understanding of our business, products and operations, including Banking Operations, Cards and Loans Operations, Cash and Cheques, Customer Communication, Mortgage Services, Wealth Services, Credit Services, Collateral Management, Payment Services, Financial Crime Compliance Operations, and KYC Services
Corporate Real Estate
- Acquire professional knowledge in relation to property markets, building and construction, property-related regulations, physical security, change management and workplace transformation
- Learn about general management skills on aspects such as business analysis, strategic planning, real estate strategy, risk management, stakeholder management as well as communication / negotiation skills
Information technology
- Learn the latest IT technologies, FinTech and data analysis in relation to the banking industry as well as the importance of IT in enhancing the efficiency and competitiveness, and driving the innovation strategy and developing the pioneer IT platform of the Bank
- Gain knowledge of the Bank’s IT infrastructure and supporting services, which are both fundamental components of the Bank’s daily business operations
Transformation
- Develop your business consulting capabilities to provide innovative ideas and customer centric solution to assist stakeholders to fulfil transformation needs, as well as programme and project management skills to manage complex strategic programmes with the agile approach and the latest technology such as Fintech
- Through participating in or leading projects, you will learn more about various business / function strategies and priorities, and how to achieve successful delivery of change programmes or projects that help to grow the Bank’s business and/or enhance organisational effectiveness
Contact Centre Transformation
- Learn how the contact centre operates and witness how new technologies are used to shape the future of banking
- Gain customer perspectives and learn how to think through and develop banking solutions to enrich the experiences for our customers and our staff
- Learn the income and cost dynamics in the contact centre and how that contributes to the profitability of the wider businesses
Chief Administration Office
- Acquire a solid understanding of the operational needs of various departments, including business continuity and incident management, corporate services and social affairs
- Learn how to develop comprehensive solutions to help internal units and individuals operate more efficiently and effectively
Chief Control Office
- Acquire a thorough understanding on the Bank’s Risk Management Framework, control design, oversight and supervision of Non-Financial Risks across Digital Business Services functions
- Gain knowledge of risk review and control assurance skills through participating in assessment and review exercises. Utilise data analytics for risk and control management
- Learn how to promote control awareness, develop sustainable control culture and compliance
Procurement
- Communicate the value of strategic sourcing and procurement to company stakeholders, department heads, and executives to the achieve buy-in necessary for proper resources and investments
- Analyse and compare financial reports and pricing proposals from several trusted suppliers before negotiating terms and prices to obtain the best deal for the company
- Monitoring contracts to ensure that the supplier meets expectations and invoices are approved and paid in a timely manner
- Keep track of all goods and services ordered and received, and maintain accurate inventory records including details on price, performance, and delivery
Wealth and Personal Banking
What to expect
In your first 21-month rotation, you will complete a series of attachments in product development, channel innovation, sales and marketing planning, strategic projects, digital initiatives as well as risk and compliance. You will then have the opportunity to put the knowledge and skills you have acquired into practice in the 7-month branch attachment as part of learning more about how to identify and meet the needs of customers and the core processes of branch services and control.
Your final-stage of placement will have you preparing for an executive role with more focus on business and resources planning to support change and innovation across different areas of our Wealth and Personal Banking business.
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1 month
Training & Familiarisation
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21 months in Products and Channels
7 months at BranchJob Attachment
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7 months
Placement & Graduation
Job attachment
Investment
- Assist in developing different types of investment products and formulating business strategies to meet the upcoming business trend and the needs of our different customer segments
Insurance
- Develop new insurance products and identify business opportunities to introduce the right products through the right distribution channels to meet the changing needs of customers in a dynamic environment
Product development
- Acquire expertise on the product development lifecycle for a variety of personal banking products in areas such as secured lending (e.g. mortgages) and unsecured lending (e.g. credit cards and personal loans)
Channel management
- Opportunity to work with different stakeholders to develop and implement multi-channel (e.g. branch network, phone banking and digital banking) strategies that improve client services, meet new client demands and optimise channel effectiveness
Digital Banking
- Participate in transforming the digital platforms for the best of user experience and market practice powered by latest technology and digital analytics; generating value that positions Digital as an increasing driver of WPB’s revenue, cost and business improvement
WPB Chief Operation Office (WPB COO)
- Oversee and monitor WPB overall business performance and strategic business initiatives implementation
- Assist in driving strategic business initiatives and transformation projects to ensure business sustainability
- Implement various control framework including credit control, data integrity, business risk management, customer due diligence and financial crime risk management programmes
- Equip with skills and mindset for project and process management
Private Banking
- Gain valuable experience in building close relationships, providing professional advice and premium service to our high-net worth customers
Branch network
- Gain customer handling experience through connecting with a diverse range of retail customers in one of our branches. Learn about what goes into creating a great customer experience, how to achieve business growth and manage risk and control in a dynamic environment
Customer value management
- Develop a good understanding of different customer segments and how to identify and analyse customer and market data that will help sharpen your business judgment
- Participate in the development of a new customer centric communication model with enabled Real-time Decisioning Platform technology to enhance customer experience, communication efficiency and effectiveness
Customer propositions and customer management
- Gain experience in the development of innovative proposition strategies to achieve synergy across different business units and different customer segments and develop programmes that achieve multiple business objectives to maximise business opportunities
- Be a member of a team in driving customer management transformation for different business to establish customer contact strategy, content management strategy and optimisation of Omni-channels
Strategic Planning and Corporate Development
What to expect
Strategic Planning and Corporate Development Department (PNG) functions as the central planning and strategy development group of the Bank and addresses topics at the top of senior management’s agendas. This role will provide the opportunity to work on different bank level strategic initiatives across all businesses and functions of the Bank, covering bank strategy development, business strategic study, corporate development and Chief of Staff.
In your 3 years as PNG Management Trainee, you will support the team and after completing the programme with PNG, you will be ready to join our team of strategists and provide trusted advices to different businesses and functions on their strategic development.
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1 month
Training & Familiarisation
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35 months
Job Attachment
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Graduation
Job attachment
Bank strategy development
- Help formulate the Bank’s medium term strategies
- Support execution, coordination, tracking and evaluation according to the Bank’s strategic planning framework
- Take the lead on being articulated and mobilised on what you do to achieve strategic priorities
Business strategic study
- Lead or support strategic business studies that are cross-businesses, functions and/or geographies in nature, derive actionable insights and make appropriate recommendations to the Bank’s senior management
Corporate development
- Take part in the execution of acquisitions and disposals (A&D) projects
- Support governance of the Bank’s corporate investments
- Exploit synergies in accordance to the Bank’s strategic priorities
Chief of Staff
- Support key activities of executive office including but not limited to presentation materials for external and internal meetings
- Relationship management with key external and industry bodies and monitoring of business results
- Advocate and facilitate cross-business collaborations
Other business attachment
You will have the opportunity to attach to other businesses and functions in the Bank to gain a holistic exposure to Hang Seng’s bank-wide operations. Such attachments may include:
- Wealth and Personal Banking
- Commercial Banking
- Global Banking
- Financial Control
- Hang Seng Bank (China) Limited and other subsidiaries
Training and development
Classroom training
Comprehensive and logically organised classroom-based training will cover leadership and management, product and technical know-how, risk management, compliance and operations procedures specific to your Management Trainee Programme stream.
Experiential training
Through an intensive experiential learning experience, you will be able to enhance your capacity for self-understanding, appreciating team dynamics, problem solving, taking the initiative in and ownership of self-motivation and leading others, as well as relationship building.
China assignments / Business travel
There are opportunities for business travel and join China assignments to learn more about the Bank’s overseas business and operations.
External conferences
We regularly send Management Trainees to attend financial and banking related conferences. By learning from thought leaders and networking with other banking professionals, we ensure our future executives and leaders are kept abreast of best practices within our industry.
Mentorship and coaching
During each of your attachment, you will be assigned a mentor who will provide guidance and coaching. You will also be assigned a Management Trainee buddy from the same Programme stream for additional support.
Professional qualification
Hang Seng Bank will help you attain professional qualifications as required in your chosen business / function stream. Such qualifications may include:
- Associate of the Hong Kong Institute of Bankers
- Chartered Financial Analyst
- Certified Public Accountant
- Certified Financial Planner
- Certified Financial Risk Manager
- Certified Banker
- Certified International Investment Analyst
- Project Management Professional
- Society of Actuaries
- Chartered Enterprise Risk Analyst (CERA)
- Fellow, Life Management Institute – Life Office Management Association (FLMI – LOMA)
Networking
As a Management Trainee, you will have many opportunities to represent Hang Seng Bank at business events and corporate social responsibility functions, and participate in various internal staff activities, offering you the chance to polish your interpersonal and communication skills and build new relationships both within and outside the Bank.
Requirements
We are looking to recruit passionate individuals who meet the following requirements:
- Capable of communicating effectively, embracing changes and overcoming challenges with the ability to safeguard positive attitude under challenging situations and remain open to work with others from diverse cultures
- Ability to bring divergent ideas together and think deeply and rationally which contributes to creative and innovative solutions
- Capable of serving as a role model for displaying openness, teamwork and integrity
- Bachelor’s degree (Second Hons) or above from an accredited university
- Excellent written and spoken English and Chinese
- Permanent resident of Hong Kong or holding a valid Hong Kong work visa
Selection procedure
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Step 1
Online application and values assessment
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Step 2
Online ability tests
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Step 3
HR interview
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Step 4
MT immersive assessment and business specific assessment
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Step 5
Final interview
“I have chosen to start my career under Hang Seng Bank since it is one of the few, if not only, banks in Hong Kong to offer a well-established three-year Management Trainee Programme in Strategy and Planning. I’ve gained valuable experience by stepping out of comfort zone and embracing new challenges as personal learning opportunities”
Rachel Yan
Management Trainee, 2015 Intake
Strategic Planning and Corporate Development
“I think as a Management Trainee, I can contribute to the Bank by providing new and innovative ideas. Banking industry is no longer the same as before; banking products are more advanced, banking functions are more automated and user-friendly. We can provide new ideas and bring the Bank to a new era.”
Marca Ma
Management Trainee, 2015 Intake
Wealth and Personal Banking
“I find the guidance from mentors and senior management very helpful because as relatively green banking professionals, we need experienced advice and up-to-date market insights. The senior management is always open and willing to share their experiences with us and facilitate our decision making.”
Candice Huo
Management Trainee, 2015 Intake
Commercial Banking
“I kick off my career in Hang Seng Bank because of its long-standing reputation and friendly working culture. The Bank also has active involvement in community including sports, education, and voluntary works - which makes it a proudly local company to work in.”
Tommy Cheung
Management Trainee, 2017 Intake
Financial Control
“My most memorable experience was my first attachment at Retail Insurance Distribution to take part in the launch of a large-scale project. I learnt to work in a more flexible and agile way with various departments, such as Compliance and Product Departments.”
Anson Cheung
Management Trainee, 2018 Intake
Insurance
“During my attachment in Mainland China, I involved in executing a business development initiative related to cross-border financial markets trading, connecting different counterparties in the region to explore the potential business. It brought me significant job satisfaction in view of the successful launch with the achievement being recognised by others.”
Kenson Chan
Management Trainee, 2016 Intake
Global Banking and Markets
“What differentiates the Hang Seng Digital Business Services Management Trainee Programme is the mentorship. You are paired with a senior management while you can exchange your ideas with mentor, they can pass you wisdom they have accumulated throughout these years.”
Jonathan Bliss
Management Trainee, 2015 Intake
Digital Business Services
Management Trainee Programme Frequently asked questions
- Connectivity
- Creativity
- Curiosity
- Managing communication
- Resilience
For the full definition of the competencies, please refer to the “Application Hints & Tips” session
Only applications submitted through our online application platform will be processed. Your application will require you to provide the following: personal information, e-mail address, education history (including tertiary and secondary education and academic qualifications attained at secondary and tertiary levels, i.e. transcripts, public examination results), professional qualifications attained, details of extracurricular activities, work experience and language proficiency examination results.
We recruit a mixture of talented graduates from a broad range of disciplines. We welcome applications from university graduates in any discipline. If you are interested in a career with us and can demonstrate the key competencies we are looking for, please submit your application in accordance with our requirements.
Interview and assessment can be conducted virtually, even though you are currently studying abroad, you are strongly encouraged to submit your application and please ensure your contact information is accurate and updated.
Candidates are asked to indicate their preference among different business / function streams. You should therefore take some time to familiarise yourself with the nature and requirements of each stream before making your application.
You can login to our online application system to update your personal and / or application details.
Qualified candidates will usually be notified for assessment within one month upon submission of their online applications completely. You can always check the recruitment status in TALEO system.
You are advised to be familiarised with not only the Bank’s culture & values, latest developments and the core competencies we are looking for. Besides, you should also keep yourself abreast of the market trends and developments.
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