- Our customers have been hired by*
-
More Risk Analyst Resumes
Use these Risk Analyst samples as a guideline or visit our extensive library of customizable free resume templates.
Select
Customize
Download
Looking for cover letter ideas? See our sample Risk Analyst Cover Letter.
Find out what is the best resume for you in our Ultimate Resume Format Guide.
Additional Business Operations Resume Samples
Risk Analyst Resume Samples
No results found
6-10 years of experience
Accomplishments included risk reviews on hundreds of merchant accounts in-order to identify and mitigate losses
- Compiled reports in-order to highlight the effects of risk and the proposed solutions
- Reduced financial loses by 25% by placing merchant accounts on reserve for security
- Collaborated with Independent Sale Operators, Alliance Partners and Relationship Managers to implement risk management strategies and customize merchant needs
- Reviewed merchant accounts and submitted funds for release on a timely basis
- Performed general accounting functions focused on high risk merchant accounts
- Skilled account analyst versed in establishing collection priorities designed to reduce aged receivables
6-10 years of experience
Republic Insured Credit Services partners with over 3,000 lending institutions nationwide in increasing loan volume and implementing strategies to mitigate risk of loss. The company specializes in insurance practices that protect lenders from borrower default on consumer loans and lines of credit.
- Reviewed legal documentation for compliance and eligibility for approved bank policy
- Followed up with bank clients on outstanding documents to assure compliant to lending/regulatory laws
- Interpreted data and made recommendations on approval/denial for claim payment
- Provided support to bank officials by solving problems and answering questions exhibiting superior customer service
- Participated in team collaboration successfully reducing 80% of production backlog within three months
- Accurately identified errors to reduce delays and enhance profitability
0-5 years of experience
Anticipated the needs of six Options Traders throughout the day, especially during high volume spikes due to sudden changes in the [company name]
- Quickly comprehended and performed tasks, such as executing hedge and spread positions, as directed by floor
- Developed strong working relationships, effectively leading to clear communication and quick reaction to market
- Analyzed chart patterns and swings based on market trends and momentum to gain insight of the firm’s strategy and gain a better understanding and foresight into trading activities
- Reported daily Profit and Loss statements to the CEO
0-5 years of experience
Development program including business risk overview and training in FX, Credit, Rates, Equities, MBS,
Operational Risk, Enterprise Risk, Liquidity Risk and Trading Risk
- Simplified and increased efficiency of reporting processes of the risk and Historical Value-at-Risk databases
- Analyzed macro trends of G10 currencies and emerging markets along with their behavior/impact on major key
- Identified, investigated, and resolved abnormal daily Value-at-Risk, Greeks (Vega, Gamma, Delta) and risk
- Performed and managed daily/weekly/monthly reporting duties accurately and timely for the FX business
- Built a spreadsheet tool/database to capture risk sensitivities, P&L, positions, and VaR across the FX business
0-5 years of experience
Managed the annual program underwriting for all self-insured pool clients. Extracted, formatted and built custom reports for claims, underwriting teams, re-insurers, actuaries and clients. Negotiated re-insurance premiums on behalf of pool clients. Coordinated all underwriting IT system modifications, enhancements and fix requests for MGA team. Developed insurance rates for self-insured pools and calculated loss ratios, combined ratios, minimum contribution plans, experience modifiers and various other performance reports. Major accomplishments:
- Successfully managed 2014-15 renewal process on time and with minimal disruption
- Created user manuals for underwriting systems and trained employees on upcoming system releases and enhancements
- Coordinated feasibility study for the introduction of an Owner Controlled Insurance Program for subcontracted construction projects
0-5 years of experience
Implement Machine learning methods for fraud transaction detection.
- Implemented Random Forest by R with thousands fraud related variables.
- Extracted and analyzed variables importance on Fraud transactions
- Applied optimization model to make decline decision while keeping revenue high
- Fraud transactions on credit card dataset are reduced by 50%.
0-5 years of experience
Conducted analysis of the bankruptcy portfolio performances, tested impacts of various variables on lifetime liquidity
- Designed and programmed standard procedure in SQL to match and combine information extracted from 10 databases (funds) owned by the company to obtain the complete history of accounts, after which an in depth study of BK filing, claim filing, dismissals, conversions and liquidities became possible
- Monitored monthly performances of 400+ portfolios, detected potential risk factors to report to higher management, prevented loss exceeding $3 million
- Evaluated potential buy opportunities, recommended bid prices to management
- Organized data for a major sale in Dec 2012 involving 80% of the company’s inventory, answered questions raised by potential buyers
- Developed financial model to estimate the potential buyer’s bid price, taken into account loan leverage, loan interest rate, amortization, stress on future liquidity, service fees for Ch7/ Ch13 BK accounts and collection accounts, and buyer’s IRR based on the above assumptions
- Developed analytical tools to simulate distributions to investors across 6 funds resulted from the sale, calculated various scenarios to assist higher management decision making
0-5 years of experience
Constructed the metrics template for the next fiscal year through the use of various vlookup functions to ensure that management had a clearer picture of staff volume
- Performed control testing (SOX, RCSA) to detect and mitigate risks, ensuring that all preventative measures are implemented to maintain efficient business operations
- Designed the Control Services team SharePoint site and transferred all documents from various locations to one centralized location, the design prompted other teams to request SharePoint advice
- Created a permanent solution to enhance the current restricted floor access reconciliation process and documented the entire procedure for this solution
- Built risk templates for team members to enhance the business risk framework of Asset Management Services. Results from these templates will be reported to Senior Management
- Assisted in SSAE 16 reviews and ensuring the third party’s controls remain in compliance.
0-5 years of experience
Assisted with the development, implementation, and maintenance of the risk assessment process including data collection and validation
- Helped conduct annual Fair Lending assessments and related monitoring
- Collected data for analysis and performed quality control checks on data validity
- Assisted in the production of assessment analyses reporting for management and Board of Directors committee use
- Served as liaison to FRL compliance teams to obtain necessary data for monitoring, reporting, and statistical analysis
- Improved knowledge of systems and programs including Empower and VendorScape
0-5 years of experience
- Reduced monthly board reporting process time by 5 days (50%) while increasing auditability
- Redesigned reporting to clearly inform audience through meaningful visual metrics
- Quickly developed into a power user of business intelligence software to solve data challenges
- Created advanced Excel-based appraisal order forms used for all real estate based transactions
0-5 years of experience
Created reports on deteriorating trends and fiscal year-end losses
- Reviewed and analyzed borrowers’ financial documents, i.e. financial statements, pay stubs, profit and loss statement and credit bureau reports.
- Reviewed and edited loan agreements to ensure accuracy.
- Managed a pipeline of 100-200 files for audit and retention review.
- Utilized SQL to compile data and reports for upper management.
- Calculated possible risks, trends and researched borrowers financials thoroughly to mitigate losses.
- Negotiated offers of short-sale with realtors and potential real estate investors.
- Completed additional and escalated work assignments assigned by management and meeting critical deadlines.
0-5 years of experience
Underwritten retail loan proposals to identify potential loan defaulters using discrimination analysis
- Examined Credit, Capacity, Collateral, Characteristics of loan applicants to determine maximum loan
- Developed credit risk models for retail loan products and estimated probability of default for loan
- Conducted data and credit model validations using statistics techniques like cross validation, boot- strapping
- Prepared monthly and quarterly reports of delinquent retail loan accounts for the bank higher management and the central bank
0-5 years of experience
Performed statistical ad-hoc analysis on complex dataset, validated data to provide solutions to executive management and stakeholders using SQL Server, MS Excel, macros, pivot table and advanced techniques of VBA in MS Excel
- Developed/Maintained automated and manual reporting systems (Dashboards, MS Excel templates, Spotfire reporting) to reflect variance in P&L expenses month over month, year over year and to plan
- Provided monthly Key Performance Indicator reporting to global general managers and regional vice presidents by pulling large datasets from disparate sources
- Queried internal database to aggregate, distill and analyze metrics/trends across global markets using SQL
- Designed and maintained customized data models in MS Excel for Risk Management team
- Developed Risk Road Map and implemented tactical Loss Prevention program resulting in 13% reduction on P&L across global markets
- Identified manual processes within Insurance and Accident teams to develop systematic, scalable and automated solutions
- Lead negotiation and administration of insurance program renewal, vendor contracts and service agreements
- Wrote and maintained external FAQs supporting loss prevention programs and insurance policies
0-5 years of experience
Assisted in the development of risk capturing tools for the business units of [company name]
- Developed models to aid business units with achieving their goals in compliance and operational performance
- Represented the Chief Risk Officer and conducted agency wide projects to present to the C-Suite Executives and Board Members
- Provided C-Suite Executives with industry intelligence on operational risks faced by the leading energy companies
0-5 years of experience
Researched and prepared responses for disputed and fraudulent credit card charges
- Resolved escalated billing issues from customers
- Assisted in research for the Corporate Escalations Team
- Project lead on several specialized billing projects
- Mentored Customer Service Agents
- Researched and compiled CDRs and billing records for fraud investigations
0-5 years of experience
- Produced monthly risk management dashboard report on MS SharePoint using SAS automation to monitor over 500 clients’ business risks and performance globally
- Analyzed business units’ premium and loss experience, business and operational risks and controls, and modeled and forecasted production and losses using time series models, trend and seasonal models
- Produced actuarial experience reports on premium, commission, deferred acquisition costs, paid claims, reserve, claims incurred but not reported, loss ratio, etc
- Produced ad hoc risk management reports using SAS, MS Report Builder and VBA
- Assisted manager with ensuring that [company name]’ risk management policies and methodologies are fully understood and implemented worldwide
- Collaborated with multiple functions to identify business, operational, credit, legal and other risks, communicate issues and develop action plans to mitigate risks
0-5 years of experience
Analyzed known trends on the risk factor spectrum to create forecasts for potential technological and financial risks which saved the department 12% of entire annual operational loss.
- Created Ad Hoc solutions to identified risk events and recommending course of action. Also implemented plan of action based on chosen strategies.
- Prepared and generated reports for the Operational Risk Forum, Risk Committee, Executive Management Team and Board Audit, Risk and Compliance Committee.
- Utilized mathematical and statistical knowledge to assist with the building of risk models in support of Operational Risk Management.
0-5 years of experience
Performed comprehensive analysis of hedge fund structure and scrutinized financial risk data such as net asset value growth, returns, strategy, management quality, and service providers to determine risk involved in loaning money or extending credit
- Assisted senior analysts with reviewing FOFs portfolios and completing risk assessment of counterparty exposure
- Participated in due diligence calls and meetings and assisted with preparation for these calls, including preparing stat sheets, rating sheets, and writing final executive summaries
- Analyzed hedge fund financial statements and conducted detailed liquidity breakdown, identified illiquid funds
- Coordinated and communicated with teams of Risk Department to insure the completion of projects on time
0-5 years of experience
Provided analysis and management reporting to Contact Center and Leadership team to ensure 1000 Customer Service Representatives delivered quality customer service. Assisted 5 call center locations with actionable data to assist in delivering great customer service.
- Performed call monitoring, provided coaching tips and feedback to supervisors for customer service improvement and to maintain compliance with rules and regulations.
- Participated in customer and client listening programs to identify customer needs and expectations to improve company processes.
- Recorded evaluations utilizing departmental forms for easy management reference during representative reviews.
- Utilized quality monitoring data management system to compile and track performance at team and individual level in order to recommend areas in need of improvement.
- Coordinated and facilitated call calibration sessions to improve team evaluation and scoring process.
- Facilitated training to reinforce existing skills and introduce new processes while keeping service levels high.
- Interfaced with supervisors and senior leadership to review metrics and representative historical data in order to deliver best practice scenarios to improve performance.
10+ years of experience
Worked as part of the Enterprise Risk Management team within servicing operations. Partnered with business lines to ensure that our processes are thoroughly documented and losses are kept to an absolute minimum.
- Perform operational and compliance reviews of accounts, projects, and processes. Communicate results within the corporation, which mitigates the risk of assets and reduces loan losses for stakeholders.
- Managed vendor oversight and ongoing monitoring of third party servicers by coordinating proper servicing, reporting, client inquiries, and accurate administration as required by contractual agreements.
- Compile monthly loan portfolio, loan reject, performance, reimbursement reporting and escalate risk issues to management.
- Improved processes and increased company revenues by applying my expertise and knowledge to several core operational process teams.
- Review customer complaints to identify potential consumer protection regulation violations and to make process improvements.
- Negotiate and coordinate contractual reimbursements for loan guarantee losses created by outside agencies, which leads to reduced loan write off expense and increased profits.
- Managed business continuity planning and testing. Assisted business units with creation of business impact analysis and recovery plans. Conducted plan tests and post exercise improvements.
0-5 years of experience
Checked rules and models under Basel II, mastered concepts and risk metrics to evaluate credit and market risk
- Applied Analytic Hierarchy Process Method to develop qualitative credit rating model for real estate companies
- Designed questionnaires for branches based on chosen factors, such as professional qualifications, gross building area
- Employed Logistic Regression Method to construct quantitative model and reduced factors via correlation analysis
0-5 years of experience
- Implemented and improved regression analysis on mortgage TBA prices using SAS and SQL to support monthly stress tests on company’s MBSD accounts.
- Built two regression models, one using individual asset level data, another using portfolio level data, in order to study the regression result difference and identify the more efficient approaches.
- Created and modified SQL procedures, Excel spreadsheet to support updating the company’s monthly risk report.
0-5 years of experience
Consulted regularly with team members from individual contributors to executives to identify and improve financially impactful processes. Primary contact to three business units within the Bank: Human Resources, Transaction Processing and Contact Center.
- Compiled, analyzed, and managed data in the creation of essential analytics for key performance indicators related to fraud trending patterns
- Facilitated activities related to root cause analysis, reporting and solution recommendation to remediate incidents
- Managed the creation, approval and submission of financially critical incidents to senior management and other associated business partners
0-5 years of experience
Maintain and manage risk position book and option book daily for company with TEV of $8B
- Maintain detailed daily P&L analysis including consolidated management report detailing key explanations and drivers of P&L,
- Analyze daily commodity mark to market price risk exposure to ensure compliance of all risk policies and trading controls
- Individually designed and implemented daily price curve validation report to ensure adherence with established risk management
- Create and distribute daily counterparty credit report detailing third party MTM exposure and margin requirements
- Designate and document hedge relationships of certain trades on daily basis for FAS 133 purposes, including both cash flow
- Reconcile monthly trading settlements with counterparties and assist middle and back office personnel with monthly closing
- Develop forecasting models to analyze revenue variances, business pipeline, and industry trends
- Create and maintain precise and accurate models, charts and reports for diverse ad-hoc projects and analysis
0-5 years of experience
Provide report and ad-hoc analyses related to credit risk management through the monitoring of loan originations and partner channel performance.
- Utilize data manipulation and quantitative analysis using VBA macros, SQL and advanced excel knowledge to manage credit risk exposure.
- Create and monitor daily Excel reports for executive management to view data on tier-one partner channel clients.
- Perform ad-hoc analyses for multiple departments in order to minimize loss based on overall loan performance.
- Strategic alliances – supported the rollout of a new company partners, initiated with a $10B revenue tier-one client.
0-5 years of experience
- Monitored and analyzed daily trading activity, and analyzed changes in daily position and market price movements.
- Performed rate fixing process in Endur to ensure accuracy and completeness of market indices, and enhanced it by implementing tighter control queries to reduce margin of error.
- Executed daily requests for deal unlock, amendments and error tracking, and coordinated with confirms, commercial and IT groups to ensure trades are captured accurately in the risk system.
- Analyzed and validated price curves, verified traders’ marks and analyzed changes for various natural gas (NG), power, emission and coal curves.
- Liaised between commercial, structuring, financial reporting, Information Technology (IT) and accounting personnel to ensure accurate trade valuation and recording of P&L.
- Prepared transport and storage capacity and release schedule to support financial statement disclosure, and simplified it to reduce journal entry upload processing time by 50% for accounting.
- Produced detailed month end mark to market (MTM) reports for accounting using Endur and Business Objects, and automated it to reduce compilation time by 20%.
- Developed/improved operational and technical processes by identifying risk, control weaknesses and procedural enhancements.
0-5 years of experience
Helped to develop and implement risk and control self assessments and monitored and analyzed KRIs of all business units
- Proactively explored potential risk exposures from internal process, conducted
- Perform target risk checking and reviews for each business unit and assisted credit risk and compliance department to achieve AML goal and mitigated fraudulent cases.
- Prepared risk reports, loss event tracker and scoredcard on monthly basis and reported to Group Risk Committee.
0-5 years of experience
- Coordinated with Risk Owners and Internal Audit to make changes and edits to the risk map,
- Analyzed risk data (e.g. Risk Map, Risk Event Map, and Risk Worksheets),
- Highlighted effects of risk with reports, presentations and visual materials,
- Directed the annual disaster recovery testing, and aided the audit of the disaster recovery plan,
- Created presentations to employees and executives to educate them on AEGIS’ current evacuation plans, disaster recovery procedures, and disaster recovery offsite location,
- Completed projects and tasks with little supervision and on time.
0-5 years of experience
Identified bank vendors that are within the scope of VRM policy
- Communicated with various Business Units within the bank regarding their use of vendors
- Collaborated with management to improve efficiency of the vendor identification processes
- Maintained a log of steps taken to resolve risk incidents and observations for audit purposes
- Created PowerPoint presentations and Excel charts/files for management on an ad-hoc basis
0-5 years of experience
Analyzed financial records utilizing the Dun and Bradstreet databases
- Manage the new vendor set up process approving all vendors within 24 hours
- Managed the day to day Global Restricted Party Screening accounts
- Created and managed database for new vendors
- Prepared and reviewed with Director month end report for new vendors
- Verbal and written communications with vendors
- Created dash board by business unit
0-5 years of experience
- Evaluated counterparty risk for new business within the energy sector and negotiated contracts, totaling to $300 M.
- Facilitated in implementing enterprise wide software systems for monitoring risks and deal confirmation process.
- Assisted in drafting new credit policy and developed internal scoring models to assess credit and liquidity of clients.
0-5 years of experience
- Analyzed the main aspects of models and formulated consequences of model risk
- Assessed the risk level of each model and rated 30 financial models of correlated risks using a scorecard methodology, taking cues from SR 11-7.
- Accomplished Model Risk Report to support [company name] in navigating the regulatory mandates
0-5 years of experience
Reviewed new and existing client applications for access to the fraud detection and ID theft prevention mobile feature
- Client Identity validation
- Exceeded daily expectations and deadline management in a fast paced environment
- Required to have basic knowledge of the Brokerage Industry
- Analyzed and verified customer brokerage accounts, checking accounts and reviewed credit reports
0-5 years of experience
- Developed and managed business portfolio advanced risk scorecards utilizing logistical regression methodology for real-time automated credit decisions for multiple lending clients
- Applied various statistical techniques for predictive model manipulation and enhancement – e.g. cluster analysis, weight of evidence coding, decision trees, and variable clustering
- Performed business analytics for strategic projects using custom MySQL query development through over 720 data fields to identify strategic consumer segments, elasticity, and profitability
- Created economic model to optimize business volume and mix for maximizing long-term profitability
- Produced internal Quarterly Economic Reports for executive leadership team covering market specific and larger macro-economic data
- Routinely translated research into actionable business conclusions and recommendations
- Presented work before executive leadership and investors on a regular basis
- Worked with representatives of affiliated companies to address issues affecting the larger business group
0-5 years of experience
- Actively prevented money laundering with thorough KYC review
- Monitored transaction activity to detect and mitigate fraud
- Coordinated with vendors to maintain internal compliance
- Communicated with other departments for trends, problem areas, opportunities for improvement
0-5 years of experience
- Reviewed KYC, Branch Manager and Branch Examiner reports to ensure regulatory oversight of the Private Client Division.
- Analyzed large-scale regulatory issues that could potentially have a negative impact on the overall company’s image and reported findings to the executive management of the firm.
- Member of the Transfer Committee, which was responsible for handling the transition period for new and existing branches:
0-5 years of experience
Audit daily financial patterns of merchant accounts and detect fraudulent, suspicious and unauthorized activity using Fraud Management System (FMS) and Fractals
- Analyze credit worthiness of merchants based on financial statements, credit reports and other external documents to determine credit processing limits.
- Ability to justify credit decisions that balance merchant services with appropriate risk exposure
- Educate and assist merchants, risk analysts, coworkers and clients with the chargeback and retrieval cases associated with MasterCard and Visa regulations
- Analyze risks according to frequency and potential severity of loss while performing due diligence to verify legitimacy of merchant accounts to minimize risk to the company.
- Work with Underwriting, Collections, and other internal departments to appropriately handle account activity with major focus on mitigating losses and customer service
- Minimized loss by over 50% by enforcing new protocols and policies
0-5 years of experience
- Compiled and audited loss data for proper Basel II reporting
- Audit of monthly ABA reporting
- Audit, correct and create operational events entered into proprietary system
- Responsible for bringing the Operational Risk Management department up to date with all loss events for prober Basel II reporting
- Created and analyzed spreadsheets for discrepancies with in loss data events and general ledger entries
0-5 years of experience
Underwrite and strategically price renewal risks in the commercial property insurance portfolio ($40mm)
- Analyze statistical catastrophe models of individual risks in assigned Western regions
- Evaluate renewal and historical market rate changes for pricing adequacy
- Benchmark Western Region’s portfolio metrics against team goals and reinsurance guidelines
- Review and finalize engineering and inspection reports, flagging discrepancies for possible re-pricing of risk
- Manage and grow wholesale insurance brokerage relationships with superior and timely service
0-5 years of experience
Responsible for monthly & quarterly financial reporting for multiple programs including forecasting & analysis.
- Responsible for large E&O claim management for Corporate and Franchise office locations worldwide as well as multiple insurance program renewals.
- Manage relationship with Insurance carriers, actuaries, brokers, franchisee & company field managers and Third Party Administrator as needed for claims analysis, coverage questions and forecasting needs.
- Manage P&C certificates of insurance, litigated claims, arbitration matters, and negotiation of pre-litigation demands with outside legal counsel.
- Collaborated on automated deductible collection project for Insurance Agency creating savings of approximately $180K annually. Also revamped arbitration case management for a savings of $3-5K per case, $60-100K annually.
- Served on multiple cross-departmental committees focused on process improvements, insurance & legal necessities, improving the client experience and customizing training for our employees in the field.
0-5 years of experience
- Individually managed insurance program for internationally-reaching company
- Met bi-yearly with branch managers to review worker’s claims reports
- Partnered closely with in-house and outside legal counsel
- Identified trends and methods to mitigate loss within branches
- Provided monthly worker’s compensation report to all branches
0-5 years of experience
Trained in the Application Development and Maintenance Department and understood distinctly the clearing and settlement system, its membership standards and the associated management controls
- Worked on the analysis and design phases of the Intraday Price Application and studied in detail the deployment approach
- Learned to monitor and track action plans to remediate regulatory issues
- Establish data quality reporting processes and analyze data quality reports to identify potential anomalies across multiple data sources
- Assisted in implementing queries for the back-end processes on the Rapid SQL platform
0-5 years of experience
- Reviewed financial documents of suspects to terminate risk and exposure
- Identified potential instances of unfavorable financial activity
- Contributed research findings to investigative calls with other business lines to mitigate potential loss on individual cases
- Compiling of data for the initiation of weekly key risk indicator (KRI) reports
- Created fraud guides and relationship exit process guide
0-5 years of experience
Direct operations for risk finance department, including team of four, in order to ensure annual company assets of $3 billion in merchant portfolio are protected against loss.
- Oversee acquiring bank chargeback reporting, as well as manage cases and disputes and partner with six international clients, providing guidance and recommendations for processes.
- Analyze, review, and develop monthly reports for special programs, including VISA Cross Border Acquirers and Global Brand Protection.
- Ensure compliance with data compromise guidelines for VISA and MasterCard accounts.
- Collaborate with management team on monitoring payment trends and identifying potential risks.
- Facilitate monthly team meetings on current issues and to develop strategic goals.
- Provide training and mentoring for new hires on systems and procedures.
0-5 years of experience
Analyzing complex financial statements to determine credit worthiness of potential and existing customers
- Prepare and communicate presentations detailing major components of the proposed transaction
- Communicate with both internal Sales force and CFO/CEO of outside companies
- Perform daily maintenance tasks associated with financial institutions such as:
- Determining and requesting of UCC-1 filings
- Obtaining Subordination agreements as required
- In July, 2012, I was informed that due to a corporate re-organization, my position would be eliminated in September of this year.
Business Operations Cover Letter Examples
Rate This Article
Risk Analyst
Last edited by: Gabriela Barcenas, CPRW, Content Writer II -
Gabriela Barcenas
CPRW, Content Writer IIGabriela is a Certified Professional Resume Writer (CPRW) and career adviser. With 10 years of digital media experience and five years of resume writing expertise, her publication history includes fashion, education, travel, social justice, equitable design and career advice.
