Reporting to the Regional Manager, as a Financial Planner, you will assist MD clients and their families in achieving their personal financial goals. Working as a partner with MD’s Specialist Advisors, you will leverage your years of experience and strong client focus to prepare comprehensive financial plans and specific investment strategies for clients. You will identify and develop new opportunities to prospect and grow the client base, while ensuring retention of clients through strong relationship building and the development of comprehensive financial plans. 

Duties & Responsibilities:

• As part of a broader network of MD financial experts you will facilitate a team approach by actively referring clients to MD Private Investment Counsel (discretionary management), MD Private Trust (estate and executor services), MD Insurance and MD Banking Products (Scotiabank).  You will also work to ensure client needs are pro-actively addressed in alignment with their current financial situation and life stage as well as their future aspirations. 
• When not meeting with clients or identifying new clients, you will further your knowledge of advanced financial planning concepts including income tax, investment trends and products, and any other issues having an impact on MD clients. Your thorough understanding of compliance with all industry regulations will ensure accurate administration of all client transactions and compliance requirements, thus minimizing risk and expense to the company.
• As a Financial Planner, you will participate in facilitating seminars and information meetings throughout the region, as well as implementing marketing strategies to provide advice and information concerning investment programs and related services.
• Flexibility to travel, as required, is expected.
• Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
• Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. 
• Champions a high performance environment and contributes to an inclusive work environment. 

Education & Experience:

• Minimum of 5 years’ experience providing financial advice within the financial services industry coupled with a University degree in business, commerce or financial planning and hold the Certified Financial Planner (CFP) designation.  (For Quebec PL Fin is mandatory)
• IIROC licensed as a Registered Representative (IIROC-RR) including completion of the Canadian Securities Course (CSC), the Conduct and Practices Handbook (CPH) and 90 day training
• Life License (LLQP) and a willingness to complete other regulatory requirements. Completion of the Group Annuity Sector (PQPAV) (Quebec offices only)
• Wealth Management Essentials (post-licensing requirement)

Competency Requirements: 

• You are inspired by doing the best for your clients and by providing tailored and timely advice.
• You use your exceptional interpersonal skills to build rapport with and influence your clients and understand the critical importance of client trust.
• You have the ability to quickly and clearly understand the client’s perspective which in turn directly influences your choice of strategies and products and how you present them to clients.
• You are an outstanding communicator. You actively listen and tailor your response accordingly based on your client’s level of understanding and interest.
• You are a rapid responder – what’s urgent for your client is also urgent for you. You make ‘getting things done’ a priority.
• You take great pride in your personal development and enjoy learning new tools and techniques
• You embrace change and thrive in an ever-changing environment.
• You enjoy the collaborative process and look forward to partnering with other team members to best service your client.
• You have a breadth and depth of core financial products and a high-level of comfort and confidence in presenting this information to clients.

Responsible for 4 key areas of business:

1. Finance/Business Workforce Planning and Analysis (variance, actuals, forecasting and planning).

2. Building dashboards, decks and performing ad-hoc analysis for senior leadership and providing insight.

3. Enhancements to reporting.

4. Provide insights, cost savings and revenue generation.

The Senior Analyst Performance Management is accountable for providing reporting and analytical solutions to understand, analyze, and enable our users to make informed decisions as it relates to T&O financial management. The role is accountable for reporting related to project financials, vendor spend, cloud spend and assisting in the production of various reports and materials prepared for senior management.

• Leads/participates in the design, implementation and management of new analytics & reporting solutions.
• Designs and produces regular and ad-hoc reports, and dashboards.
• Builds reports and visualizations to effectively communicate data driven insights to users for a variety of audiences e.g. visualization solutions of data into reports, graphics, dashboards to illustrate facts, trends, and insights.
• Develops solutions and makes recommendations based on an understanding of the business strategy and stakeholder needs.
• Supports development and execution of strategic analytics & reporting initiatives in collaboration with internal and external stakeholders.
• Analyzes data and information to provide subject-matter insights and recommendations.
• Develops tools and delivers training programs for use of reporting tools and self-serve analytics by non-analytical end users; may include delivery of training to audiences.
• Documents and maintain operational procedures and processes relating to analytical and reporting processes.
• Builds effective relationships with internal/external stakeholders.
• Collaborates with internal and external stakeholders in order to deliver on business objectives.

Qualifications:

• Undergraduate or graduate degree in business or economics is required
• Accounting designation is preferred, but not required – CPA, CA, CGA, CMA
• 4-6 years’ experience in a Finance function in financial services.  
• Excellent verbal and written communication and relationship managements skills 
• Strong knowledge of accounting principles and practices, financial reporting, and financial analysis.
• Knowledge and experience in data preparation, data analysis, and statistical tool sets including but not limited to Spotfire, PowerBI - Very good.   
• Flexible, adaptable and highly motivated
• Effectively cope with complex and ambiguous situations
• Professional team player who thrives in a dynamic environment

02/29/2024

Address:

33 Dundas Street West

Finance & Accounting

First Nations/Metis/Inuit – Financial Advisor

Posted pursuant to Scotiabank’s Special Program under the Employment Equity Act and Canadian Human Rights Act.
 
While you must be an Indigenous person in order to submit your resume, participation is completely voluntary. Please use the definition below to make sure you’re eligible and open to self-identifying as Indigenous person:
 
Indigenous peoples include  First Nation, Métis and Inuit people. Only Indigenous peoples who come from Canada should identify themselves as belonging to this designated group

What your role will be…

At Scotiabank we help employees build their futures – where they can be themselves, and win together. With a commitment to diversity and inclusion and a performance-oriented culture that includes coaching, learning, and development – there are endless possibilities. At Scotiabank – you can make an impact. You help make the futures of our 25 million customers happen. You can find your future here.

What you’ll be doing…
 

Our Advisors are customer-centric and able to connect with people in a relatable way. As an essential member of the Canadian Banking Branch network, our focus is to provide exceptional service throughout the customer’s journey by:

• Taking a proactive approach to discovering our customer needs, listening to understand what they are asking for
• Educating our customers, providing relevant insights and expert advice

• Building our customer’s comprehensive plans using a holistic approach to help them achieve their goals
• Nurturing strong, long-standing relationships

What you need to succeed...

• A strong desire and determination to create solid relationships with customers and provide excellent service.
• You're someone who can take initiative and aims for high performance
• Naturally curious, you enjoy finding solutions to customers' needs and helping them reach their financial goals.
• Openness to take industry-related courses required for the position. You'll have Scotiabank's support in your learning journey, including tuition reimbursement and focused study groups.

What we're offering

• The opportunity to join our diverse and inclusive organization and connect with other First Nations, Inuit, and Metis Scotiabankers and their allies when joining our Indigenous Employee Resource Group.
• A competitive compensation and benefits package which include:
  • $10,000 annually dedicated to your well being
  • Traditional Indigenous Practices Leave
  • Indigenous Employee Mentoring Program
• An organization committed to making a difference in our communities
• You can expect to be recognized and rewarded for high-performance. You’ll be supported by leadership through meaningful development conversations that enable faster advancement and internal training to support your growth and development
• You'll receive clear, transparent criteria to progress in your career

Requirements

Benefits

The Accountant is part of the North American accounting group and will focus on month-end close and account reconciliations. We're in need of a versatile Accountant who, in compliance with SOX and other audit requirements, wants to play a key role in financial reporting and analysis, a timely close process, and maintaining a strong internal control environment. If you're a passionate Accountant that wants to help a growing company find unique and faster ways of managing our accounting functions, while performing additional projects in technical and tax accounting, we want to talk to you.

This position is open to candidates who have their residence in the following countries: Canada

This role will require you to come into the office 1 day a week.

Key Responsibilities

• Prepare journal entries and account reconciliations, ensuring proper documentation is maintained (in compliance with SOX requirements), as well as monitoring and resolving reconciling items on a timely basis
• Resolve accounting discrepancies and identify and investigate irregularities
• Ensure all reports utilized in accounting functions are complete and accurate
• Prepare financial variance analysis reports; ensure accurate and timely reporting of monthly, quarterly and year-end close, for both individual entities and on a consolidated basis
• Perform accounting research and interpretation of SEC guidance as necessary to maintain GAAP financial statements
• Interact with internal and external auditors in completing and coordinating audits
• Compile a wide variety of financial information for the purpose of providing required documentation and/or processing information for both internal and external audits

Requirements

• Degree in Accounting, with 2-4 years of relevant experience
• Strong knowledge of Generally Accepted Accounting Principles (US GAAP preferred)
• Experience performing month end close, account reconciliations and financial analysis
• Experience with international tax filing preferred
• Strong written and verbal communication skills in English
• Strong work ethic and positive mindset
• Ability to work in a global context, with business users in different locations world-wide.

#LI-MJ1

#LI-Hybrid

The Financial Systems Analyst will have an understanding of financial analysis and reporting to review and process various financial documents submitted by non-profit housing providers in accordance with pre-established standards and routines.

Your primary responsibilities as a Financial Systems Analyst will be varied. Working as part of a team reporting to a Senior Financial Analyst, you will:

• Performs research and prepares community housing operating budget and variance report
• Conduct financial analysis and provide recommendations on financial matters to Housing Stability Services Unit staff and management
• Review financial documents submitted by non-profit housing providers for completeness and accuracy
• Process and review subsidy requests submitted by non-profit housing providers with reference to established guidelines and review procedures
• Process and review payments to ensure alignment with service agreements and approved Council reports
•  Reviews payments request from agencies to determine accuracy, availability of funds and compliance with funding agreement and City’s policy and procedures
•  Maintains and update life-to-date files for grants to report on availability of funds
• Participate in reviews of housing provider operations including on-site reviews Draft communications to non-profit housing providers regarding financial and program compliance matters
• Assist with the review of housing provider operations and compliance with the Housing Services Act (HSA), Rent Geared-to-Income (RGI) Service Agreement, City Guidelines and other contractual obligations with the City
• Assist with the review of development and maintenance requests that propose changes to the information technology systems used to manage the business relationship with
• service providers
• Assist with the development of reports and analytical tools to monitor service
• provider compliance with legislated and contractual obligations
• Liaises with the Unit, external contacts and board of directors and auditors.
• Reviews audited financial statements together with auditors' reports/related financial reporting documents for completeness, compliance and accuracy of accounting information
• Attends meetings to provide and clarify financial information and resolve issues

Key Qualifications:

1. A degree in accounting, financial management or business administration or equivalent. Possession of a Chartered Professional Accountant (CPA) designation is preferred.
2. Considerable experience in the preparation of budgets, forecast, complex financial statements and analysis.
3. Considerable experience in accounting and computer-based accounting systems.
4. Experience conducting financial and/or program compliance audits independently.
5. Ability to work independently in a demanding, fast paced, constantly changing environment.
6. Ability to communicate effectively, both orally and in writing.
7. General understanding of the principles and practices employed in the effective financial analysis of business and government operations.
8. General understanding of financial reporting and financial statements including non- profit reporting requirements.
9. Ability to effectively manage multiple tasks and deadlines.

• Division & Section: Housing Secretariat, Finance & Business Services
• Work Location: Metro Hall, 55 John Street

What is the opportunity?

As an RBC Investment and Retirement Planner, you create custom investment solutions for prospective and existing RBC clients. Alongside your own prospecting and networking activity, you are fully supported by internal partners who send client referrals your way. Your creativity, motivation, and drive for new investment sales will enable you to provide world-class advice and solutions that help clients achieve their long-term financial goals.

** Please note specific location is to be determined and successful incumbent must be mobile within the Brandon, Killarney, Melita, Glenboro, Wawanesa, Virden, and Souris Markets **

What will you do?

• Provide tailor-made financial planning advice and solutions using our unparalleled array of investment and portfolio solutions, including best-in-class proprietary and select third-party mutual fund solutions
• Acquire and consolidate existing and new-to-RBC clients and assets
• Connect clients with the right RBC team members to help continuously meet their needs
• Develop external business referral sources through networking, marketing, and your centres of influence

What do you need to succeed?

Must-have

• Financial Planning Designation (PFP® or CFP® or QAFP®)
• Mutual Funds License (IFIC or CSC)
• Minimum 2 years’ experience in financial planning
• Proven networking and client acquisition skills
• Ability to cultivate strong partner relationships
• Digital Savviness, ability to effectively utilize mobile applications

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program of flexible benefits, competitive commission structure, and pension options
• World-class training programs and career development opportunities
• The advantage of working with a dynamic, collaborative, and high performing team where initiative and hard work are recognized and rewarded
• A flexible work schedule based on client preferences and your own work/life balance
• Innovative mobile technology to ensure your success

RBCFP

Job Skills

Additional Job Details

661 18 ST:BRANDON

BRANDON

Canada

37.5

Full time

Personal and Commercial Banking

Regular

Commission

2024-02-16

As Director, Corporate Finance, you are part of a team of client-facing credit professionals aligned to our large commercial client segment within CFS, defined as commercial clients with annual sales revenue between $25MM and $100MM. You play a key role in realizing our business growth objectives through the structuring, delivery and management of credit for a portfolio of large commercial clients. You will lead the end-to-end credit relationship for a defined portfolio of clients with a focus on loan origination and ongoing portfolio quality oversight. You contribute to an exceptional client experience by providing superior business, financial and credit advice directly to clients.

What will you do?

• Collaborate with client relationship managers to structure, deliver, close, and monitor loan transactions, including credit submissions to Group Risk Management (GRM) and transaction presentations to clients

• Collaborate with client relationship managers in the preparation and presentation of credit pitches that clearly articulate advantages and benefits of proposed credit solutions to existing and potential clients

• Demonstrate RBC’s capability to provide customized and creative credit solutions in a timely manner and deliver credit solutions that meet or exceed our client’s needs

• Manage all aspects of the credit approval process including ComCom and GRM, developing strong working relationships with National Office personnel and risk managers.   

• Actively develop, strengthen and deepen client relationships and engage  with key RBC partners including Group Risk Management, Private Banking, Corporate Client Group (including the ABL, MMLF and Mezz teams), National Specialized Solutions (e.g. Leasing, Trade Finance), Personal Banking, and others

• Exercise due diligence in recommending credit applications, working in collaboration with Risk Management, especially in supporting risk processes and guidelines in order to find the appropriate mix of credit risk and structural mitigants.

• Maintain portfolio quality oversight through proactive portfolio management, including annual credit renewals, covenant monitoring and control

What do you need to succeed?

Must-have:

• Proven track record in financial and credit analysis in support of exceptional client relationship management

• Minimum three years’ experience in commercial lending at a major financial institution Undergraduate degree in Business, Economics, Accounting, or Finance with strong quantitative, financial modeling, and analytical skills, as well as an ability to analyze company financial statements

• Strong skills with Microsoft Office, as well as experience with emerging resources, communications and technology (e.g. online data resources, web-based meetings, social media, digital banking, and mobile applications)

• Professional verbal and written communication skills with a high level of attention to detail in both written work and financial analysis

• Strong organizational skills, ability to perform well under pressure, prioritize multiple tasks and projects, while meeting time-sensitive deadlines

Nice-to-have:

• MBA, CA, CMA, CGA, CPA or CFA

• Work experience in corporate lending / corporate finance

• Trained in credit and accounting with an ability to manage complex concepts

• Bilingual in French and English

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program including competitive compensation, bonuses, and flexible benefits

• Continued opportunities for career advancement

• World-class sales training, coaching, and development opportunities Support from a dynamic, collaborative, progressive, and high performing team, as well as world-class tools and training

• Opportunity to achieve great success and grow your career with RBC

Job Skills

Additional Job Details

WATERPARK PLACE, 20 BAY ST:TORONTO

TORONTO

Canada

37.5

Full time

Personal and Commercial Banking

Regular

Salaried

2024-02-09

2024-02-24

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Associate Financial Consultant, Acquisition

Imagine an environment that encourages you to bring your best self to work every day. A company committed to your personal development and career aspirations. An employer who not only respects your requirement for life/work flexibility, but also endorses it. A place where diversity and inclusion and a commitment to employee health and wellbeing are part of the corporate DNA. A job that is more than a job – allowing you to make a meaningful contribution to the welfare of some of the hardest working Canadians we know – physicians. If not only what you do but who you do it for matters, consider this opportunity join our exceptional team of professionals committed to making a difference to those on the front lines of Canadian healthcare.

There has never been a better time to join MD as an Associate Financial Consultant, Acquisition. The Associate Financial Consultant, Acquisition Program is a multi-year salaried program aimed at developing high performing, entrepreneurial-minded individuals into a Senior Financial Consultant role. Successful candidates will complete a comprehensive training program including 5-months in the Scotia Wealth Management Associate Program (WMAP). The program is focused on building a foundation for success centered on developing core financial planning skills and complementary client discovery skills attained through the wealth planning process.

Once the program is completed, you will be able to leverage MD’s wealth management tools and reputation to build a wealth advisory practice. You will focus on utilizing client discovery, financial planning, portfolio management and relationship management skills to identify opportunities, develop and execute a plan to help high net worth clients build and sustain their wealth.

As an Associate Financial Consultant, Acquisition you will

• Generate outbound leads and manage inbound referrals, converting both into sales opportunities.
• Apply a growth mindset to assess and analyze all prospect opportunities and create financial plans, leveraging other areas of the business as needed, to provide the appropriate level of service to clients based on their personal preferences and/or financial/investment circumstances.
• Develop and lead marketing initiatives and deliver a high touch, top-quality client experience consistent with MD values and brand.
• Participate in/lead client seminars, partner events, conferences, information sessions and other activities relative to the medical community to promote MD products/programs and increase awareness of legislative changes.
• Lead efforts to convert high-potential targets to grow market share.
• Grow and retain market share through active prospecting, purposeful business development and exceptional customer relationship management.
• Track pipeline reporting to ensure effective sales management and prepare and execute quarterly business plans to meet target objectives.
• Complete financial planning in the areas of risk management, estate planning, liability management, cashflow budgeting, education funding, tax, retirement planning, investment management, practice management and goal setting.
• Prepare and review comprehensive financial plans and investment strategies based on MD Management (MDM) developed and managed optimal portfolio ranges.
• Understand how the Bank’s risk appetite and risk culture should be considered in day-today activities and decisions.

What’s In It For You?

• An accelerated career development program that that puts you on the fast track to becoming a Senior Financial Consultant. No wait time for a role to become available or competing for limited roles; graduates of the program move on to become a Senior Financial Consultant.
• Access to training and support to help you attain necessary licensing and certifications on your career path to Senior Financial Consultant (Wealth Management Essentials, Certified Financial Planner Designation, Life License).
• Mentoring and learning opportunities within the MD Wealth Advisory businesses to gain a broad understanding of the MD value proposition and its associated products and services.
• Specialized training in the areas of lead generation, relationship management, comprehensive financial planning and understanding the physician lifecycle and their unique needs/challenges. Rigorous feedback systems and dedicated coaching to ensure your success.
• Access to a community of peers - a cohort program provides you an interactive and dynamic setting to foster creativity, learn new skills and encourage greater progress.

What MD Expects of You:

• The desire to build a career in a Wealth Advisory role – you possess an entrepreneurial spirt, accountability and an openness to constructive feedback.
• You lead by example – you’re a resourceful self-starter with well-honed communication skills and the ability to influence and build consensus.
• A commitment to providing an exceptional client experience – built on a foundation of client first relationships, mutual trust, and high integrity.
• A desire to learn – to further your knowledge of not only MD products, but also advanced financial planning concepts including income tax, investment trends and products, and any other issues that could impact MD clients.
• You embrace change – thriving in a diverse environment of ever-changing priorities where ambiguity, multi-tasking and tight deadlines are the norm.
• The ability to work independently and as part of a broader team, always seeking ways to better serve the client.
• A high level of comfort with technology to support virtual meetings and CRM.
• Flexibility – to relocate across Canada.
• Confidence – in yourself, in MD’s products, in asking for the business.

The Must Haves:

• A proven track record of success and client service in a high-performing environment.
• Masters or undergraduate university degree in business, commerce, or financial planning.
• Completion of the Canadian Securities Course prior to employment start date
• Become IRROC licensed as a Registered Representative having completed the Canadian Securities Course, the Conduct & Practices Handbook and subsequently, the 90-day training.
• By year three of the program, completion of the Life License (LLQP), Group Annuity Sector (PQPAV – Quebec only) and a willingness to complete other regulatory requirements.
• Willingness to complete the Wealth Management Essentials course (WME, post-licensing requirement) within 30 months of hire.

Assets:

• Fluency in a second language (French, Spanish, Mandarin/Cantonese).
• Lending experience.
• Working knowledge of financial planning and financial services.
• Product knowledge.

Why MD?

• We are big proponents of life-work integration and provide the flexibility and tools to achieve such.
• We believe an inclusive and diverse work environment makes for happy and productive employees.
• We recognize the importance of well-being and offer programs and benefits to support and sustain the mental and physical health of our employees and their families.
• We know that financial security is important to you and we’re here to help – competitive salaries and incentive programs, a defined contribution pension plan and an employee share option purchase program.
• We realize time away to recharge is a non-negotiable – we offer a generous paid time off program in which the benefits increase along with your tenure with MD. Our team environment ensures you’re able to take time off without worrying about your clients.
• We understand that cost-effective banking solutions mean more money in your pocket – through our partnership with Scotia, we offer a variety of preferred banking, credit card, mortgage and home/auto insurance options and discounts.
• We love discounts. Through the WorkPerks program, as an employee of MD you’ll have access to thousands of discounts with various vendors across Canada.

As a Financial Consultant – Early Career Segment, you will be responsible for prospecting, retaining and growing MD’s market share in the medical student, resident and new in practice physician communities.

Is this role right for you? In this role you will:

• Build rapport and trusted relationships with MD clients through active listening and by developing an appreciation of what’s important to them.  You’ll recommend an approach based on their level of understanding and interest, tailored to their specific needs and goals. 
• Be accountable for the completion of financial plans addressing the areas of goal setting, cashflow/budgeting, debt and education funding, investment management, medical practice incorporation/planning, tax mitigation, risk management, retirement planning and estate planning.
• Recommend investment strategies based on MD Management developed and managed optimal portfolio ranges, ensuring compliance with all industry regulations, MD program and process requirements and Scotiabank risk appetite and culture.
• Prepare and execute quarterly business plans to aid in the meeting of individual, regional and corporate targets.
• Participate and/or conduct financial planning seminars and other Early Career hosted events throughout the region to enlighten clients through financial literacy and MD Management overall offerings. Partner with MD marketing and management concerning potential new products and services.

Do you have the skills that will enable you to succeed in this role? – We’d love to work with you if you have:

• A desire to learn – to further your knowledge of not only MD products, but also tax, investment trends, products and other concerns that may impact your client base.  
• An appreciation of compliance – an understanding of MDFM internal trading policies, rules of the stock exchange, industry regulations and associated requirements,     guidelines of the Investment Dealers Association of Canada and, an appreciation for Scotiabank’s commitment to ethical day to day activities and decisions.
• The ability to work independently and as part of a broader team.
• A high level of comfort with technology to support virtual meetings and CRM.
• Confidence – in yourself, in MD’s products, in asking for the business.
• Marketing Savvy – the ability to identify opportunities for new product and service enhancements.  Actively seeking opportunities to build business through engagement of   various centres of influence such as accountants, chief residents, clinic owners.  
• Confidence in presenting recommendations to both existing and potential clients and asking for referrals. 
• A commitment to an exceptional client experience - regularly delivering an exemplary experience, ensuring accuracy of administration of all client transactions, monitoring of issues, and facilitating resolution of client concerns.

The Must Haves:

• University degree in business, commerce or equivalent degree related to the practice of financial planning
• IIROC licensed as a Registered Representative (IIROC-RR) including completion of the Canadian Securities Course (CSC), the Conduct and Practices Handbook (CPH) and 90-day training or willingness to complete such within a specified timeframe.
• Life License (LLQP) and a willingness to complete other regulatory requirements. Completion of the Group Annuity Sector (PQPAV) (Quebec offices only).
• Ability to travel