"Land of Fiestas" is what Philippines is known for, and at Christmas time, this is especially true. Filipinos are proud to proclaim their Christmas celebration to be the longest and merriest in the world.

December 10, 2011 marked one of the merriest and grandest events in the history of Camalig Bank and Sacred Heart Clinic. With the theme “Be the happy face of Christ – A masquerade Christ-mask Party”, the beautiful ladies and dashing gentlemen of Camalig Bank and Sacred Heart Clinic walked with pride in their unique masks and elegant dresses. This was one of the rarest occasions when we see all our colleagues not to transact business but to simply just enjoy one another’s company.

Everyone was very excited to showcase their talents in the entries they have prepared for the contests. Category A was the Chorale singing. Contestants were HO and TCO, SCO and MCO, and Sacred Heart Clinic. Category B was the Entertainment number Contest. Contestants under this category were ICO and MO, CMO and DO, VO and SO. Everybody was on their feet as each group performed.

The numbers were evidently prepared well from the costumes down to the performances. Some very talented Camalig Bankers really stunned the audience with their splendid ballroom dancing and body shaking modern dances. The great singers too of Camalig Bank and Sacred Heart Clinic could not be discounted. HO and TCO once again won the chorale singing, while DO and CMO won the Dance contest. Ms. NinetteBanzuela and Mr. Don Manuel B. Raro won the best mask awards for the female and male category respectively. RMU group garnered the best troupe award in their Musketeers attire.

One of the much awaited parts of the program was the Raffle draw wherein more than 80 prizes were given away.Everyone got so excited!Cheers emanated from the crowd as each lucky winner was called. Dinner commenced after the first set of raffle draw. The very lucky winners brought home major prizes such as flat screen televisions and an air conditioning unit.

And to complete the excitement, a live band was invited to rock the night of the fun-loving and music-crazed crowd. Everybody joined the singing and dancing. After the first set, some very important announcements were made by Sir Miel. He announced the winners from among the nominees for the search for the best employees of the year (Marketing, Cash, Accounting and Manager). Retirees and resigning people were also announced. But despite these sad announcements, some very good news was also given like promotions of highly deserving employees. And to top it all up was Sir Miel’s announcement of the bank’s overall financial status which was superb compared to the previous years.

The last set of the band ended the celebration. Truly it was a night to remember as everyone went home with a smile on his face, a full tummy, and a prize on his hand. All our efforts and hard-work year round paid off. As the adage goes “the more you give, the more you will receive”.

by:Marygizelle B. Billena
LCU Asst. - HO

Amidst the everyday bank transactions, personnel busily running after their targets, reports and expectations, and officers restlessly monitor their portfolios, the Bank never fails not to ignore to see and acknowledge the hard work of its employees who have shown potential and promising abilities in carrying out responsibilities greater than what they have in their current posts.

Just recently, from June to July of 2011, Camalig Bank once again conducted the Supervisory Training Program for Batch 9. The heat of the sun or even the threat of typhoons did not shake up a bit the determination and optimism of all of its participants, namely:

Corporate Office:

• Donna F. Pampanga (Credit Assistant)

• Christopher A. Manalo (Marketing Assistant)

• Christian L. Dominguez (Marketing Assistant)

• Rochelle B. Marbella (Accounting Assistant)
• Margarette P. Mandane (Marketing Assistant)
• John Paul M. Rempillo (MFU-Mktng. Assistant)

• Ryan G. Emor (Marketing Assistant)

• Annelyn S. Amor (Teller)
• Noel A. De Jesus (Marketing Assistant)

• Jeffrey L. Vallespin (Marketing Assistant)

One must really have to experience STP himself first before he can fully understand the objective aimed by the Bank when it instituted the said program. This was a realization after the month-long training. Who said STP would be as easy as passing mid-term or final exams in school?

Joining and being part of STP is not at all a joke. From experience, you can withstand the pressure of work, family and studies, all at the same time, unless you are mentally, physically and emotionally ready. Commitment to what you have started and fulfilling the belief given to you by your colleagues were important requirements, too. The training was not at all the measure of memory capability, knowledge, age or seniority. It was testing the ability of a Camalig Banker on how he prioritizes important matters over lesser ones, or should I say how he makes right decisions over tight schedules and critical times. In other words, how he can supervise matters and he, himself.

Just like in a passage “Everything will come to pass.” It passed by indeed. The success of STP’s participants would not be possible if it weren’t for the facilitators (to Ms. Joji, Ms. Jill and Ms. Liz) who patiently looked after the participants’ welfare (and made sure our tummies were always full to keep healthy minds) all throughout the training, the speakers who would always keep the participants’ hopes up,

and to the Team Building facilitators (Ms. Jo and Ms. Maisie) who never failed to drench the energies out of the partakers and yet, leaving them laughs on their lips and smiles in their eyes.

STP might have come to its end, but the learning process does not end there. As a matter of fact, it opened the door for a wider learning ground, and opportunity to service better the clienteles and others. Anyway, real leadership is not confined within theories and books. And that’s what in store for us to find out.

Live! Laugh! Love!

by:Donna F. Pampanga
CARU Assistant

Camalig Bank celebrated its 42 years of commitment to support its clients well-being through the opening of its newest branch at Iriga City in the province of Camarines Sur last June 6, 2011.

Present during the said event were representatives from the local government of Iriga City, President/Managers of rural banks in Bicol, managers from local banks in Iriga City, valued clients and the Banks key personnel. Fr. Javier Fria of St. Anthony de Padua Parish officiated the blessing and inauguration. On the other hand, Mr. Simeon Bonacua (bldg. owner) and Dra. Rosario S. Moraleda (Camalig Bank’s Chairman of the Board) led the ceremonial cutting of the ribbon.

The Banks President/CEO, Jose Misael B. Moraleda, said the opening of the branch in Iriga City is in line with the banks commitment of providing personalized, transparent, speedy, respectful, and dignified service to its clients all over the region. He also added that Camalig Bank will be opening another branch this year which will be located in the city of Tabaco in Albay. He said that the Bangko Sentral ng Pilipinas (BSP) recently issued the Camalig Bank a license to establish the said branch.

A sumptuous lunch reception at Mariolis Garden Resto and Grill followed after the blessing. A slide show highlighting the bank’s financial performance was also presented by the President.

The Iriga City Office, located in Guevara St., Bgy. San Roque and managed by Mr. Francis Y. Egar, is Camalig Banks second location in Camarines Sur. It offers a bigger and more attractive office space to provide clients with even more access to banking services. The banking hours are Monday to Friday from 8:30 AM to 4 PM. Iriga City, referred to as the “City of Springs”, is the center of the Rinconada area or fifth district of Camarines Sur.

The opening of this new branch reaffirms Camalig Bank’/s pledge to expand prudently and is poised to be present in all Bicol provinces in the near future. As a leading financial institution in the region, it currently operates through 10 convenient locations: Albay (Camalig, Legazpi City and Daraga), Catanduanes (Virac and San Andres), Sorsogon (Sorsogon City and Irosin), Masbate (Masbate City) and in Camarines Sur (Milaor and Iriga City). Soon, it would open its Tabaco City branch.

by: Angelica P. Alcober
Corporate Communication Assistant

A two-day trainer’s training workshop entitled SpeakEasy was successfully held last March 26-27, 2011 at La Roca Suites & Restaurant, Lakandula Drive, Gogon, Legazpi City. The participants were managers, supervisors and chosen staff from various Camalig Bank branches. The resource speaker, Ms. Henrietta R. Brazal, is a seasoned freelance training consultant with a previous banking experience. The workshop was designed to boost the confidence of the banker’s communication skills as well as to discover their hidden potentials of becoming good speakers.

As their first activity, the participants were asked by the speaker to introduce themselves. As an added twist, their introduction was recorded on video. After, it was shown to the group. The playback of the activity caused laughter and realizations on the group as they watch their appearances, movements and expressions as they introduced themselves infront of the group. The group actively participated in the series of activities given to them to enhance their confidence in speaking to the public.

Nervousness was evident to the group at first, however, as the workshop advanced, speaking was made easy. Ms. Brazal gave tips to overcome too much nervousness and emphasized that body language (particularly the appropriate hand gesture or facial expressions) is really important to have an effective speech. The presentation skills like using the proper audio-visual props are also relevant. Tips were also given on controlling the ‘butterflies in the stomach’ and giving better presentations that would surely make an impact to the audience.

The highlight of the workshop happened on the second day wherein the participants were expected to apply what they learned. They were asked to present a topic with the use of visual presentations. Ms. Brazal gave her criticisms and was glad that she saw improvements. The participants were also happy because they confidently presented their topic.

Ms. Brazal is an inspiration of becoming a good and fluent speaker. Camalig Bankers are grateful to her for sharing her full knowledge and skills.

by: Remedios Domo
Branch Accountant - Milaor Office

As the Bank grows bigger, the need for people to supervise staff also increases. Thus Supervisory Training Program Batch 8 was conducted, making it two STPs for the year.

Extensive and exhausting as it seems, the STP primarily aims to enhance and nurture staff who shows supervisory skills in their day to day work.

Personnel from different offices to name, where chosen to participate in the said training

Corporate Office:

• Jelete S. Serrano (HR Assistant)
• Francis Anthony A. Bombales (IT Assistant)
• Jeffrey D. Moratillo (RMU Assistant)
• Mel R. Rabelas (CIAU Assistant)

• Jennifer B. Almes (Accounting Assistant)

• Ma. Judy M. Porcalla (Accounting Assistant)

• Reyzela M. Giba (Accounting Assistant)

• Maria Romeolla P. Vargas (Teller)
• Jefrey L. Vallespin (Marketing Assistant)

• Hazel C. Manlagñit (Accounting Assistant)

These people with unique personalities, different talents, and skills and not to mention the age difference, created a dynamic and participative batch aiming for a successful 100% passing.

The training program is composed of 11 days of discussion, team building activities and “mind” boggling exams, as described by the participants.

Discussions were facilitated by the Supervisors, Managers and Officers of the Bank who are also products of the training program, while team building activities were facilitated by the external team hired by the Bank, the POWERBUNCH.

Despite the sleepless nights sacrificed by the participants to study modules for examination, the fact remains that Supervisory Training Program really is not just all about memorization; it is also a test of each participants’ personality and physical and mental ability. The participant’s capacity in handling a group and in decision-making was tested through various activities. Participants were trained to own up to whatever decision he/she made.

Yes, the STP is yet to end but the journey of learning and wisdom will remain a continuing and life long process for the participants.

Good Luck to all the participants!!! “Carpe Diem”…

by: Jelete S. Serrano
TDRU - Assistant

Way back February of 2007, Camalig Bank, during the conducted Strategic Planning facilitated by Karel San Juan, has formulated the Bank’s Seven Strategic Thrusts for 2010, namely: (1) Expand Operations, (2) Enhance Social Responsibility, (3) Open Lines of Communication, (4) Create Human Resource Development and Administration Program, (5) Install Effective MIS and Advanced Technology, (6) Consolidate Existing and Capture New Markets, & (7) Set-up Information and Research Center. For almost four years, the bank has worked on achieving its target of having TEN (10) Branches by 2010 and a networth of 1B.

Last November 20-22, 2010, a follow-up was made through the Bank’s Strategic Evaluation and Planning held at Viento de Mar Beach Resort, Bacacay, Albay with once again Fr. Karel San Juan (now a priest) as the facilitator. Assessment of the Bank’s Seven Strategic Thrusts were made and discussed, and from that the five new Strategic Thrusts for 2015 was drafted, namely: (1) Enhance Customer Relation through Market Based & Competitive Socially Responsive Products and Services, (2) Seek and Nurture Dynamic Working Personnel, (3) Develop and Strengthen the Bank’s Structure and Support System, (4) Maintain Superior Financial Health, and (5) Expand Bank’s Presence in the Region and Beyond. The Bank has always been grateful to its served clientele and with whom the topmost thrust of the bank was geared to. The said strategic evaluation and planning was attended into by the Board of Directors, Managers, and Heads of the different units.

Truly, the Bank has come along way from its very humble beginnings, and as we gear towards being the RBs Regional Champion and maintain the lead as the No. 1 Rural Bank in the Bicol Region, may we strive to be always on the lookout for a personalized, transparent, speedy, respectful, and dignified service. May we all be on the same boat stirring towards the same direction and attain the 1-5-15 by 2015 (1 Billion networth, 5 thrusts, and 15 branches by 2015)!

by: Francis Y. Egar
Virac Office - Branch Manager

October 8, 2010, Friday marked the inauguration and blessing of Masbate City Office (Branch). The blessing and cutting of the ceremonial ribbon were led by Msgr. Ishmael Misolas and Mrs. Rowena Colina (sister of Ruben delos Santos, building owner), together with Dra. Rosario S. Moraleda (Camalig Bank’s Chairman of the Board).

Guests, Bank’s key officers and staff were ushered in at MG Hotel where lunch was served. In addition, delectable meals and lechon were offered by Mrs. Colina and Arch. Imperial. The reception was further highlighted by President Jose Misael B. Moraleda in presenting the bank’s brief history and financial performance.

A first class province, Masbate’s robust and continuously growing economy enthused in the Bank’s thrust to expansion; a testimony of the Bank’s vision of improving the community’s well-being by providing a wide-range of financial services. Indisputably, Masbateños can bank on us with confidence!

by: Joan T. Pontanes
Head - Internal Audit and Compliance Unit
October 2010

Security and Safety of the Bank & Personnel is our first priority.

Security Guards/Security Officers are responsible persons for the protection of the property, assets and personnel of the bank. But are we really sure that we are safe and well protected if the guards are not properly trained and knowledgeable of their job or assignment as guards/service assistants?

Camalig Bank and Marvelous Security Agency jointly sponsored a two-day training of all security guards and service assistants to enhance or refresh them of the duties and responsibilities, roles and functions and be more knowledgeable and competent as they are committed to the bank and agency they represent.

August 28, 2010, the first day of the seminar. Participants arrived and registered at Villa Acosta’s Spring Resort Function Hall where the seminar will be conducted.

At about 9:00 o’clock in the morning the opening program started headed by Ms. Joji S. Chua, Head of TDRU and the over-all in-charge of the training and education. Mr. Basa, Operations Manager of Marvelous Security Agency gave his welcome remarks, followed by the introduction of Security Officer/Consultant of Camalig Bank, by Ms. Joji. Security Officer/Consultant, Rodrigo A. Granadillos, gave the introduction and explained the objective of the 2-day live-in seminar to the participants.

At 10:00 o’clock in the morning the first topic: Bomb Identification & Detection was thoroughly discussed by SPO1 Ramon Frades and SP01 Glenn Manlangit, the Bomb Expert/Technician of the 5th Regional Bomb Unit of Police Regional Office 5, Camp General Simeon A. Ola, Legazpi City.

The main goal and objective of the discussion is to familiarize the guards/service assistant on how to detect and identify the different types of bomb. The topics were properly presented by the instructor and the participants were very attentive and participative during the discussion. We are hoping that the guards/service assistant now are all aware on how to take action in case there is a bomb threat or unidentified items left at the banks because of the basic foundation on bomb Identification and detection introduced by the expert personnel of the PNP Regional Office 5.

After the discussion, open forum followed, attended and facilitated by the operation manager of the security agency.

Distribution of Certificates of attendance followed.

August 29, 2010 -2nd day: Drill and Ceremonies, Formation, marching, command presence, develops teamwork. Early morning of the 2nd day, Mr. Granadillos formed the participants in front of the resort and demonstrated on how to form the platoon, attention, different kinds of rest, saluting, and marching. Participants correctly executed the command given by the leader.

After the drill, defence tactics or disarming techniques followed. Mr. Granadillos instructed them on how to defend against knife attack or disarm it. Same demonstration and actual application to both partners were properly executed. Disarming of Handgun was also introduced but the instructor reminded the participants that all the techniques introduced need to be practiced more. Remember that “constant correct practice makes perfect”.

After breakfast the participants proceeded to the next activities. The Gun Safety Rules was discussed/conducted at Hits Firing Range, PNR Site, Legazpi City under the supervision and control by the Range Safety Officer Mr. Geronimo Daet. Mr. Daet discussed on how to handle the gun safely, gave the four (4) importance in gun safety to include Basic Marksmanship like; proper position, sight alignment, breathing control, trigger control and grip control. Participants were all attentive and eager to learn more.

After the lecture, actual firing followed. Participants fired eight (8) rounds each. The Security Officer and Operation Manager fired with a very satisfactory result. No untoward incident happened during two day activities. After the actual firing, Home, Sweet Home... Hoping for the next enhancement seminar. Thank you very much to the sponsors of the seminar.....

By: Rodrigo Granadillos
Security Officer
Corporate Office

From “ala eh” Lakbay-Aral at Batangas, comes Camalig Bank’s escapade at the “Tricycle City” of the Philippines (Cabanatuan, Nueva Ecija).

Indeed, the first Lakbay-Aral at Bangko Kabayan, Batangas was successful and very helpful to participants. This in fact gave way to the second Lakbay-Aral, chosen to be held at GM Bank being the most successful rural bank in Nueva Ecija.

Unlike the first Lakbay-Aral, participants for this year were Camalig Bankers only. Heads of the different units namely, Human Resource, Central Accounting, Internal Audit and Compliance, Credit Analysis and Review, Remedial Management, Information Technology and Systems, and other branch managers were present.

Participants traveled to Cabanatuan last August 1, 2010 leaving Legazpi City at 3:00am. The group arrived at 6:00pm which should have been 4:00pm if not for the many stop-overs requested by our “comfort women” companions.

The trip despite taking so long turned out to be a leisure trip, with early lunch at Lita’s Carenderia and dinner at Robinsons Cabanatuan. We had our night rituals at the Village Inn which is a street away from GM Bank.

Day 1 started with Mr. Mitch Gomez’ (President of GMBank) talk on the profile of their Bank, followed by our President, Mr. Jose Misael B. Moraleda’s introduction of the participants and a little speech on the history and standing of Camalig Bank.

Right after the introduction, GMB’s heads of each department started their presentation. Mr. Aurelio “Aurel” B. Villaflor (SVP/Head-Branches and Marketing), Mr. Ramon “Mon” D. De Ocampo (SVP/Head-Operations), Ms. Marie Aimee “Aimee” S. Maramba (VP/Head-Human Resources Department), Ms. Chona Y. Co (VP/Head-Treasury), Mr. Jose “Joe” A. Reyes (AVP/Chief Compliance Officer), Mr. Edwin S. Verona (AVP/Head-Microfinance), Mr. Jonas A. Sagum (AVP/ Head-Credit Department), Ms. Maria Rosario “Mariz” L. Martin (SM/Head-Accounting Department), and Mr. Reynante “Rey” D. Sivera (SM/Head-Risk Management) gave us an overview of their respective fields of expertise.

There were questions raised in between the presentations and all were addressed appropriately. After the presentation, the Host Bank toured us in their Corporate Office. Camalig Bankers were undoubtedly amazed with the building structure of GM Bank not to mention the modernized and upgraded IT equipment.

After the short tour, counterparts of the Guest and Host Bank settled down and started the one-on-one session. The Hall was filled with many questions complemented with best answers, sharing and exchange of ideas between the two Banks.

Since the one-on-one session was originally scheduled on the second day, the session was cut and we proceeded to the main event of the night, the fellowship night. The day of course ended with oh so many food served for dinner (Crispy Pata, Kare-kare, shrimp, lumpia and red wine at the center of the table, not to mention the bottomless San Mig light). We all had our stomachs full and even brought with us yema roll for midnight snacks.

Day 2 was another exciting day. Aside from the continuation of the one on one discussion, picture taking w/ the counterparts were done with GM Bank’s notable background.

The Lakbay-Aral of course will not just end with a picture taking; special messages were given by the President (Mr. Moraleda) of the guest Bank and the Chairman (Mr. Samson) of the host Bank as part of the closing program.

The Lakbay-Aral ended but the escapade of Camalig Bankers didn’t finish yet…

Yes, our minds were now full with new learnings from GM Bank yet our eyes still hungered for something extraordinary. With the generosity of our President, a side trip was planned. We visited the museum of Ninoy and Cory Aquino at the Hacienda Luisita, Tarlac. Picture taking was unavoidable.

Not only did we become nationalistic but we also had fun when we arrived at Trinoma and experienced to watch a 3D movie “The Last Airbender”. Indeed, 3D is not for kids only, it’s for adults too.

Thank you Sir Miel for the 3D experience!!! And thank you GM Bank for the warm welcome and most importantly the learnings you have imparted to us. To Sir Mitch Gomez, thank you for the words of thought, “It’s not about the size, but it’s all about the strength”.

Jill S. Serrano
TDRU Assistant
9 August 2010

The Camalig Bank held its fourth “Orientation Seminar on Banking” last July 16-17, 2010 at Jennifer’s Kabayan Hotel. The OSB is given to newcomers in the Bank’s organization as well for the probationary employees who will be preparing for their revalidas. It is intended to help them understand well and boost their appreciation of the Philippine banking industry, the rural banking industry and foremost the Camalig Bank.

During the first day, luscious lunch was served upon the arrival and registration of the participants to set their moods. Thereafter, the OSB was started with a prayer led by Mr. Mel R. Rabelas (Credit Assistant/Appraiser – Credit Investigation & Appraisal Unit/CIAU). Then the participants introduced themselves through sketching and sharing their fancy images with their playful monikers among the other participants. It was a nice a start to stir up their zests and set the tone until the end.

Mrs. Geraldine P. Moraleda (Assistant to the President) presented the Overview of OSB and statement of objectives. Madam Geri reiterated the qualities of a good worker and the guiding principles that are indispensable tools in becoming an effective, efficient, responsible and renowned worker. Camalig bankers were implored to internalize these principles as guidance in their everyday work while grounding it on its Mission and Vision.

The qualities of a good worker are the ability to handle pressure; leadership which demands knowing what needs to be done and taking accountability in every endeavor; solely thriving to solve problems without sacrificing quality; openness to change/resiliency; desire to learn; enthusiasm; and openness to criticism.

Moreover, the guiding principles of banking are stewardship (accountability); straightforwardness which is being transparent to create a way in earning credibility; and sustainability that insinuates consistency in quantity and quality of outputs. All these and more paired with Camalig bank’s Mission and Vision could be a springboard in cementing the banks legacy towards a leading role in the local banking industry. We are number one but we can still always be better if we continue to live out these principles.

After Madam Geri’s inspirational and thought stimulating talk, Mrs. Johanna B. Monis (Executive Assistant/Corporate Secretary) gave the participants a bird’s eye view of the Banking Industry & Financial Institutions; Types of Banking Institutions; Major Classifications of Banks and Non – Financial Intermediaries. After a while, Ms. Jill Serrano (TDRU-Assistant) staged the participants a tantalizing energizer called “Touch.. Hold.. Caress..” All of the participants and even the non-participants around were invigorated by the activity. Thank you Jill for that creative energizer! We wonder what other energizers you have in your reservoir that you might give us the next time around!

Next on the floor was Mrs. Jo-Ann T. Pontanes (Head – Internal Audit & Compliance Unit). The flow of the seminar went deeper as Madam Jo delved more into the technicalities and policies relating to the banking industry and regulatory bodies. Among the topics tackled were Banking and Related Laws, General Banking Act, PDIC Law, Secrecy of Bank Deposits and AMLA. These are the general guidelines normally a banker has to ascertain and gradually be cognizant with in the long run as he takes and serves his utmost potential in the industry.

In the evening, Mrs. Elenita L. Padilla (Manager – Milaor Branch) expounded more about Camalig Bank in a story telling style. She started with the company Name/Logo then in sequential order the history of the company, Mission-Vision, Organizational structure and the prominent personalities of the bank. Such discussion was imperative to all Camalig Bankers to know and understand the historical context. What was shared serves as guide to decipher what the bank has been through, all the undertakings it is into and the ultimately the direction it intends to pursue.

While dinner was being served, Mrs. Madeline L. Loterte (Head – Personnel Administration Unit) discussed the bank’s conflict of interest/code of conduct; house rules; workdays and schedules; and compensation policies by involving the participants in exemplifying situational cases that actually happened, happens and could happen in the office. The following day Madam Madz continued her talk about the company’s benefits program, performance rating criteria and use of bank properties. Camalig Bankers as much as possible should be aware of these policies so that SOPs are followed and disputes/altercations among the employees, management and most especially the clients would be mitigated if not avoided.

Finally and again Ms. Jill gave a brief idea of the bank personnel forms and required paperwork for new employees that are used in the day to day operations of bank. Certificates of attendance were given by Ms. Joji S. Chua (Head – Training, Development and Recruitment Unit), Madam Madz and Ms. Jill. The seminar adjourned between 11 AM to 12 noon.

Well, this was a worthwhile investment that would reap interests and yield dividends in the short and long run. These are one of the things that we have done to improve ourselves lately.

‘’EVEN IF YOU ARE THE BEST YOU CAN ALWAYS STILL BE BETTER”

Neil Arvin A. Jacob
Audit Assistant
Internal Audit and Compliance Unit