PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful. As an Senior Ingres Developer, you will be responsible for all technical aspects as they relate to the specific team to which you are assigned; including providing support and guidance for technical changes, undertaking necessary research into new and emerging technologies and assessing how they can influence and drive the technology direction for the team. This senior ingres developer role will ensure there is a central point of contact and consistency for the design approach of all Projects and will work closely with Project teams to ensure that solutions are "fit for purpose" and "best in class"; meeting key commercial and strategic initiatives of the bank. Responsibilities: Develop and maintain an environment of innovation and continuous improvement, focusing on quality, cost reduction and process development. Support the IT Management team in implementing changes in processes and systems to deliver productivity and service improvements. Work to maintain and improve our service quality and standards. Create and ensure Technical Design documents for the Asset Finance application are current and relevant Identify and control risks in advance and make suggestions to team about how to mitigate against risks. Maintain awareness of all compliance, regulatory and legal directives and support development of approaches to minimise risk and potential damage to our reputation. Requirements: Strong communication, interpersonal skills, teamwork. An ability to learn and understand complex business processes. Capability to work on their own initiative in a demanding environment. Working knowledge of system development / architectural / technology frameworks. Demonstrable detailed knowledge of IT processes, procedures and standards. Experience planning, organising and prioritising work in a busy working environment. This is a Permanent role based in Dublin (Hybrid). Is this you? Please apply online on our website or via the apply link of this role. Your application will be sent through to our Talent Acquisition team and they will be in touch regarding your application. We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion. We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.
PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful. PTSB are looking for ambitious and self-motivated individuals who are enthusiastic, goal orientated and have a passion for providing `best in class customer service, to join our growing team in our Customer Contact Centre. As an Insurance & Deposit Advisor, you will provide advice and day to day transactional support to our customers across a range of financial products (where you are qualified to do so), at all times supporting our customers to enable them to achieve their financial goals. Our focus is to deliver an exceptional Customer experience by blending the most up to date technology with our highly skilled and trained people, through inbound and outbound phone calls. Full training will be provided, and we will support your career progression as you complete your professional qualifications to enable you to progress your career within Permanent TSB. This is an exciting opportunity to join a collaborative, innovative and fast paced team where you will personally make a difference to the success of Permanent TSB. If you are interested in growing your financial services skills, leading to a rewarding career in Banking, then we would love to talk to you. Responsibilities: Support our customers with their day to day deposit rollover transactions (where you are qualified to do so). As required, respond to queries regarding deposits & insurance (where you are qualified to do so). As required, respond to queries regarding our customers everyday banking needs. Interact and build relationships with customers and other partners while operating within agreed service level agreements. Provide advice to customers on products and services that meet their financial needs. As required, complete outbound calls with existing deposit customers to discuss options available (where you are qualified to do so). Work as part of a team and on own initiative. Requirements: APA in Regulations, Loans and Investments or APA in Loans or QFA A passion for accuracy and attention to detail, and a positive attitude. A passion for delivering the highest level of customer experience through adherence to regulations, compliance, policies and best practices. A deep understanding of compliance in a contact centre environment. Excellent interpersonal and effective communication skills. Eager to develop skills, capabilities and competencies This is a Permanent, based in Dundalk (Onsite). Is this you? Please apply online on our website or via the apply link of this role. Your application will be sent through to our Talent Acquisition team and they will be in touch regarding your application. We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion. We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.
PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful. As a Data Analytics Manager you will transform data into actionable insights that drive strategic decision-making and operational improvements across the Bank. Your role involves designing, developing, and maintaining Business Intelligence (BI) solutions that provide real-time insights into customer behaviours, market trends, and operational efficiency. You will work closely with various departments to understand their data analysis needs and deliver BI tools and dashboards that meet those requirements. This role will play a crucial role in analysing and interpreting data to inform the product vision and roadmap for analytics products. You will be responsible for creating compelling and informative visual representations of data that enable stakeholders to grasp complex information quickly and make informed decisions. Your role is to design and develop intuitive dashboards, reports, and graphics that tell a story with data, highlighting key trends, patterns, and insights that are critical to the bank's operations and strategy. You will support scalable insight delivery by enabling business users through self-service analytics tools. Responsibilities: Manage the design, development, and maintenance of analytics insights and BI solutions, including visualisations, data models, reports, and dashboards for proof of value and industrialisation to represent complex data sets. Deliver Enterprise BI Dashboards, performance scorecards, metric standardisation, version control and standardisation. Lead the end-to-end Analytics BI lifecycle and implement appropriate delivery methodologies and controls. Drive collaboration with business analysts and end user groups in business units to understand their data visualisation needs and objectives, offering best practice application advice and alternative recommendations for the best outcome. Collaborate with other data teams within the CDAO to ensure data accuracy and integrity in visualisations, showing leadership in these interactions to ensure the best outcome. Formulate and implement BI governance, visualisation standards and best practices within the organisation. Requirements: Bachelors or Masters degree in Data Analytics, or a related field. Proven experience both as a people leader and as a Data Analyst / BI Developer or in a similar role. Extensive experience with data visualisation, reporting, business intelligence, UI/UX design, KPI metric definition, UAT, and data manipulation. Extensive experience of BI tools (e.g., Power BI, Tableau, Quicksight, SAS Viya) Excellent knowledge and experience of SQL. Excellent problem-solving skills and attention to detail. Strong understanding of process automation and continuous improvement using data and BI solutions. Excellent communication skills and the ability to present complex data in an intuitive format to senior leaders within an organisation. A minimum of 5 years relevant experience in a similar role. This is a Permanent role based in Dublin or Cork (Hybrid) Is this you? Please apply online on our website or via the apply link of this role. Your application will be sent through to our Talent Acquisition team and they will be in touch regarding your application. We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion. We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.
PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful. As Risk Manager in the CDAO at PTSB, you will be responsible for ensuring that the CDAO function operates within a well-governed risk and control environment, in line with organisational frameworks and external expectations. You will provide first line risk management and control support across all CDAO Data & Analytics activities. This includes activities across Data engineering, Data architecture, Data Operations, BI & Advanced Analytics, Regulatory Data provision, Business Partnering & Strategy, Data Governance, and Model Operations. You will also contribute to strategic programmes and projects, providing expert guidance and advice. This role works closely with CDAO leadership and associated teams to proactively identify risks, advise on mitigation strategies, and ensure compliance with bank frameworks, policies and external expectations and regulations. It acts as the primary interface between the CDAO and second line risk, audit, and assurance functions, tracking all actions and supporting control testing, audit readiness, and continuous improvement. Responsibilities: Ensure all CDAO owned processes and services have appropriately designed controls in place with supporting evidence. Maintain and continuously improve the risk and control register. Act as the central point of contact for internal audit, external audit and second line risk activities related to the CDAO. Track and manage open issues, audit actions, and risk events, ensuring timely and high-quality resolution. Coordinate responses to reviews, providing documentation and evidence as needed. Contribute to key CDAO led or CDAO impacting change initiatives providing early input and challenge on risk and control considerations. Provide risk advice and contribute to governance forums and senior leadership as needed. Coordinate the delivery of RCSAs and ongoing risk assessments across CDAO. Promote adherence to enterprise risk frameworks and best practice. Ensure policy requirements are embedding into work practices and tooling. Lead delivery of accurate and timely reporting on overall CDAO risk posture, issue statuses, and audit outcomes to senior leadership. Implement KPIs and metrics to track continuous improvement. Support business continuity, third party risk management activities, and technology risk processes within the CDAO domain. Requirements: A bachelors degree in Information Technology, Risk Management, Business Administration, or a related field. 5+ years of experience in risk management, operational & IT risk, internal audit, governance roles or a related field. Proven track record of managing risks, implementing risk mitigation strategies, interfacing with second line risk and audit teams. Knowledge of key Banking and data regulations such as BCBS239, GDPR, EU AI Act, Third party Risk management, EBA/ECB data risk expectations. Excellent organisational and communication skills with ability to coordinate across teams. This is a Permanent role based in Dublin or Cork Is this you? Please apply online on our website or via the apply link of this role. Your application will be sent through to our Talent Acquisition team and they will be in touch regarding your application. We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion. We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.
PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful. As a Branch Lead, you will lead, coordinate and control the efficient delivery of business objectives and the day to day branch operations in a regulatory compliant manner. You will be required to build and embed a culture of change and drive the success of the Banks ambition to become Irelands best personal and business bank through the promotion of our Blackbelt and our Omni-channel model. You will embed an appropriate tone and culture to ensure that all Risk and Conduct requirements are fully adhered to ensuring fair customer outcomes. This will include leading, managing and motivating our colleagues to ensure the Branch is meeting our customer needs. The role involves developing your team to support targeted our Customer Segmentation strategy, promotional activities and new business opportunities to increase new customer acquisition whilst maintaining a positive relationships with existing customers. It is expected that you will seek ways to grow regulatory compliant sales and cross sale activity in line with business requirements. The role will also require the Branch Lead to build and maintain relationships with key partners including supporting the TSM, SME Managers MM Managers & SFC. Responsibilities: Plan and coordinate Branch activities on a daily basis, to optimise branch capacity and efficiencies. Supervise and manage a team individuals undertaking CF3 & CF4 roles that are advising on products and/or arranging a financial service for customers of the Bank. Coach Branch Colleagues to ensure the key learnings of Blackbelt are embedded, including; collaborative customer conversations, enhanced customer engagement and education of customers on all channels available to meet their needs. Drive the management of business development, lead generation and cross sales personally and across the team, ensuring clear visibility on branch and individual performance, empowering colleagues to contribute in order to maximise sales within the branch. Provide excellent customer service and advise our customers throughout their product /financial needs journey. Essential Requirements: Full QFA with up-to-date CPD hours for the relevant CPD years. Have a number of years proven experience in retail finance sales and service ideally at Branch level. Proven leader with an innate ability to motivate a sales team to deliver on objectives. Deep knowledge and understanding of PTSB products and services. Competitor knowledge and market awareness. Knows how to approach business development and selling based on a track record of achievement in sales. Excellent customer service and relationship management skills. Proficient at Microsoft Office suite. This is a Permanent position based in Belmullet. Is this you? Please apply online on our website or via the apply link of this role. Your application will be sent through to our Talent Acquisition team and they will be in touch regarding your application. We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion. We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.
PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful. As a Branch Lead, you will lead, coordinate and control the efficient delivery of business objectives and the day to day branch operations in a regulatory compliant manner. You will be required to build and embed a culture of change and drive the success of the Banks ambition to become Irelands best personal and business bank through the promotion of our Blackbelt and our Omni-channel model. You will embed an appropriate tone and culture to ensure that all Risk and Conduct requirements are fully adhered to ensuring fair customer outcomes. This will include leading, managing and motivating our colleagues to ensure the Branch is meeting our customer needs. The role involves developing your team to support targeted our Customer Segmentation strategy, promotional activities and new business opportunities to increase new customer acquisition whilst maintaining a positive relationships with existing customers. It is expected that you will seek ways to grow regulatory compliant sales and cross sale activity in line with business requirements. The role will also require the Branch Lead to build and maintain relationships with key partners including supporting the TSM, SME Managers MM Managers & SFC. Responsibilities: Plan and coordinate Branch activities on a daily basis, to optimise branch capacity and efficiencies. Supervise and manage a team individuals undertaking CF3 & CF4 roles that are advising on products and/or arranging a financial service for customers of the Bank. Coach Branch Colleagues to ensure the key learnings of Blackbelt are embedded, including; collaborative customer conversations, enhanced customer engagement and education of customers on all channels available to meet their needs. Drive the management of business development, lead generation and cross sales personally and across the team, ensuring clear visibility on branch and individual performance, empowering colleagues to contribute in order to maximise sales within the branch. Provide excellent customer service and advise our customers throughout their product /financial needs journey. Work closely and build relationships with Senior Financial Consultants, SME Managers and Territory Sales Managers. Requirements: Full QFA with up-to-date CPD hours for the relevant CPD years. Have a number of years proven experience in retail finance sales and service ideally at Branch level. Proven leader with an innate ability to motivate a sales team to deliver on objectives. Deep knowledge and understanding of PTSB products and services. Competitor knowledge and market awareness. Knows how to approach business development and selling based on a track record of achievement in sales. Excellent customer service and relationship management skills. Proficient at Microsoft Office suite. This is a Permanent position, based in Dublin - Lucan (Onsite). Is this you? Please apply online on our website or via the apply link of this role. Your application will be sent through to our Talent Acquisition team and they will be in touch regarding your application. We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion. We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.
PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful. As a Branch Lead, you will lead, coordinate and control the efficient delivery of business objectives and the day to day branch operations in a regulatory compliant manner. You will be required to build and embed a culture of change and drive the success of the Banks ambition to become Irelands best personal and business bank through the promotion of our Blackbelt and our Omni-channel model. You will embed an appropriate tone and culture to ensure that all Risk and Conduct requirements are fully adhered to ensuring fair customer outcomes. This will include leading, managing and motivating our colleagues to ensure the Branch is meeting our customer needs. The role involves developing your team to support targeted our Customer Segmentation strategy, promotional activities and new business opportunities to increase new customer acquisition whilst maintaining a positive relationships with existing customers. It is expected that you will seek ways to grow regulatory compliant sales and cross sale activity in line with business requirements. The role will also require the Branch Lead to build and maintain relationships with key partners including supporting the TSM, SME Managers MM Managers and SFBC. Responsibilities: Plan and coordinate Branch activities on a daily basis, to optimise branch capacity and efficiencies. Supervise and manage a team individuals undertaking CF3 & CF4 roles that are advising on products and/or arranging a financial service for customers of the Bank. Coach Branch Colleagues to ensure the key learnings of Blackbelt are embedded, including; enhanced customer engagement and education of customers on all channels available to meet their needs. Drive the management of business development, lead generation and cross sales across the team, ensuring clear visibility on branch and individual performance, empowering colleagues to contribute in order to maximise sales within the branch. Provide excellent customer service and advice our customers throughout their product /financial needs journey. Work closely and build relationships with Field Based Sales Consultants, SME Managers and Territory Sales Managers. Requirements: Full QFA with up-to-date CPD hours for the relevant CPD years. Have a number of years proven experience in retail finance sales and service ideally at Branch level. Proven leader with an innate ability to motivate a sales team to deliver on objectives. Deep knowledge and understanding of PTSB products and services. Competitor knowledge and market awareness. Knows how to approach business development and selling based on a track record of achievement in sales. Excellent customer service and relationship management skills. Proficient at Microsoft Office suite. Full Valid Drivers Licence This is a Permanent position, based in Maynooth (Onsite). Is this you? Please apply online on our website or via the apply link of this role. Your application will be sent through to our Talent Acquisition team and they will be in touch regarding your application. We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion. We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.
PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful. As a Branch Lead, you will lead, coordinate and control the efficient delivery of business objectives and the day to day branch operations in a regulatory compliant manner. You will be required to build and embed a culture of change and drive the success of the Banks ambition to become Irelands best personal and business bank through the promotion of our Blackbelt and our Omni-channel model. You will embed an appropriate tone and culture to ensure that all Risk and Conduct requirements are fully adhered to ensuring fair customer outcomes. This will include leading, managing and motivating our colleagues to ensure the Branch is meeting our customer needs. The role involves developing your team to support targeted our Customer Segmentation strategy, promotional activities and new business opportunities to increase new customer acquisition whilst maintaining a positive relationships with existing customers. It is expected that you will seek ways to grow regulatory compliant sales and cross sale activity in line with business requirements. The role will also require the Branch Lead to build and maintain relationships with key partners including supporting the TSM, SME Managers MM Managers and SFBC. Responsibilities: Plan and coordinate Branch activities on a daily basis, to optimise branch capacity and efficiencies. Supervise and manage a team individuals undertaking CF3 & CF4 roles that are advising on products and/or arranging a financial service for customers of the Bank. Coach Branch Colleagues to ensure the key learnings of Blackbelt are embedded, including; enhanced customer engagement and education of customers on all channels available to meet their needs. Drive the management of business development, lead generation and cross sales across the team, ensuring clear visibility on branch and individual performance, empowering colleagues to contribute in order to maximise sales within the branch. Provide excellent customer service and advice our customers throughout their product /financial needs journey. Work closely and build relationships with Field Based Sales Consultants, SME Managers and Territory Sales Managers. Requirements: Full QFA with up-to-date CPD hours for the relevant CPD years. Have a number of years proven experience in retail finance sales and service ideally at Branch level. Proven leader with an innate ability to motivate a sales team to deliver on objectives. Deep knowledge and understanding of PTSB products and services. Competitor knowledge and market awareness. Knows how to approach business development and selling based on a track record of achievement in sales. Excellent customer service and relationship management skills. Proficient at Microsoft Office suite. Full Valid Drivers Licence This is a Permanent position, based in Nenagh (Onsite). Is this you? Please apply online on our website or via the apply link of this role. Your application will be sent through to our Talent Acquisition team and they will be in touch regarding your application. We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion. We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.
PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful. As a Business Banking Manager, you will have a dual purpose with focus both on a specific geographic location in Dublin, Kildare, Wicklow region as well national responsibility for a business sector in the market. In this role you will originate, assess and deliver banking products and services to SME customers, with a particular focus on business lending initially, in order to deliver against business objectives that will include volume, value and quality measures. You will be responsible for implementing a KBI engagement strategy and delivering new to bank lending business for PTSB within your assigned geography. You will also have responsibility for the development of a business strategy for a sector. This will involve working closely with your Senior Manager and Head of Business Banking as well as other parts of the bank to ensure appropriate business and risk strategy put in place to support the sector. It will also involve engaging with external sector partners on an ongoing basis representing PTSB and ensuring PTSB position is developed within this sector in the SME market e.g. within Agri sector engagement with IFA, Teagasc etc. PTSBs ambition is 'To be Ireland's best personal and business Bank' supporting business customers and the communities in which we operate. Responsibilities: Originate, advise and manage a portfolio of Business customers Provide a pro-active and re-active service to make sure our customers meet all their financial arrangements in line with their own financial goals. Provide excellent customer service and advise our customers throughout their product / financial needs journey. Achieve result-orientated business targets, e.g. well managed and sustainable loan growth Actively engage and represent the bank across the SME community in your assigned territory Actively engage, advise and support branch colleagues within this community in relation to Business Banking and the SME market Identify, evaluate and recommend profitable lending opportunities Requirements: Minimum competency requirements: fully Qualified Financial Advisor Third level qualification in a relevant discipline Proven track record of business origination and relationship management Strong customer engagement, information gathering and needs analysis Ability to align customer needs with suitable products and services Knowledge of credit risk assessment, including the use of rating and risk pricing models This is a Permanent position in Dublin/Kildare/Wicklow Region (Hybrid). Is this you? Please apply online on our website or via the apply link of this role. Your application will be sent through to our Talent Acquisition team and they will be in touch regarding your application. We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion. We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.
PTSB is one of Ireland's leading retail and SME banks, with an innovative range of products and services powered through an evolving digital landscape, our focus is centred on ensuring we deliver what our customers, colleagues and communities need to be successful. The primary purpose of your role is to maintain and further develop the Banks impairment and capital forecasting processes. The impairment (Expected Credit Loss) and capital (Risk Weighted Asset) forecasts underpin the quantification of short to medium term Pillar 1 (credit) regulatory capital requirements while Pillar 2 capital assists the Bank to assess its internal capital. As an Analyst in the Forecasting and Capital Optimisation Team you will play the role of translator understanding how complex credit models work while being able to explain key movements in plain English to colleagues across the business with varying levels of technical knowledge. If you like analysing, thinking strategically and are passionate about understanding the interaction between predictive models and the real world then this is the role for you! Responsibilities: Calculation of ECL, Impairment P&L charge and RWA for forecast scenarios Produce high quality `value-add analysis and insights across portfolios to support the Banks strategy and share with internal and external stakeholders. Analyse results from the forecasting and Pillar 2 models, understand model outcomes and explain the movement in results from previous recent results. Identify capital allocation insights and make appropriate recommendations in respect of the capital optimisation strategies where appropriate. Engage with numerous business areas in order to ensure all work undertaken is up to date and that assumptions are aligned between teams where necessary. Supporting internal and external stress testing activity. Requirements: 1+ years experience working as an analyst in a banking or finance related field. 2:1 Honours Bachelors Degree (NFQ Level 8) in a financial/economics/mathematical or associated subject area. Excellent analytical, problem-solving and communication skills with proven skills summarising and interpreting large volumes of data and translating into meaningful insights. Aspiration to become subject matter expert on credit loss quantification. An interest in developing programming languages experience This is a permanent role based in Dublin (Hybrid). Is this you? Please apply online on our website or via the apply link of this role. Your application will be sent through to our Talent Acquisition team and they will be in touch regarding your application. We reserve the right to draw up a shortlist for interview. The Bank understands the importance of a consistent and relentless focus on championing diversity and inclusion. We aim to attract, recruit, and retain individuals with diverse backgrounds, skills, competencies and abilities to work collaboratively to enhance the service we provide to all of our customers and the communities we serve.
