11 Emplois pour Senior relationship manager--private banking--belgian market (m/f) - Luxembourg City

Nous sommes : Vector Asset Management

• Vector Asset Management est un gestionnaire de fonds d'actions. Nous gérons de manière quantitative la sélection d'actions en optimisant la performance et la maitrise du risque. Gérant de fonds internes et externes, nous travaillons pour des investisseurs institutionnels et privés en collaboration avec des dépositaires, des auditeurs et d'autres partenaires.
• Société entrepreneuriale à taille humaine, nous favorisons une dynamique de travail collaboratif et sommes impliqués dans le développement de nos collaborateurs tout au long de leur parcours.

Nous cherchons : un/une Portfolio Management Support Officer

• Contrat de travail à temps plein
• Basé à Luxembourg ville
• Activités / Missions
  • Support des gestionnaires dans le cadre de la gestion de fonds (support opérationnel, contrôles de l'exécution des investissements…)
  • Vérification des processus opérationnels, du respect des politiques internes et des exigences règlementaires
  • Production de supports commerciaux et publication de rapports à destination de nos clients
  • Contrôle et collaboration avec les prestataires externes (banques dépositaire, administration centrale, broker, audit, .)
  • Participation au comité d'investissement de Vector Asset Management
  • Préparation de rapports réglementaires périodiques (factsheet, Solvency II, EMIR, EMT/EPT/EET, KID.)
  • Mise en place de solutions automatisées pour optimiser les tâches récurrentes

Nous offrons :

• L'accompagnement du développement de vos compétences techniques, réglementaires et opérationnelles dans un cadre stimulant et bienveillant
• La possibilité d'intervenir sur un large spectre d'activités allant de la gestion des investissements au trading, en passant par le reporting et la communication.
• Un mentorat par des professionnels expérimentés dans un environnement stimulant.
• La possibilité d'évoluer progressivement vers des postes plus spécialisés ou avec plus de responsabilité.

Profil recherché :

• Formation : Master ou Bachelor en économie ou en finance
• Premier emploi ou 1 à 2 ans d'expérience dans le domaine financier
• Maitrise du français et de l'anglais
• Bonne maitrise de la suite Microsoft 365
• Très bonne maitrise d'Excel
• Intérêt pour les marchés financiers
• Compétences en gestion de projet avec un souci du détail et une capacite avérée à réaliser plusieurs tâches en parallèle
• Organisé(e), analytique et méthodique
• Esprit d'équipe et travail en autonomie
• Bonne communication

Si vous pensez que votre profil correspond parfaitement à ce poste, veuillez envoyer votre CV ainsi que votre lettre de motivation via jobs.lu.

APCT1_LU

Founded in 1856, Banque Internationale à Luxembourg is the oldest multi-business bank in the Grand Duchy. From its foundation, the BIL has always played an active role in the development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on major capital markets. Employing more than 2 000 people, BIL is present in the financial hotspots that are Luxembourg, Switzerland, and China.
As a major player in Luxembourg's finance industry and as a signatory of the UN Principles of Responsible Banking, BIL is committed to handing over a responsible and sustainable bank to future generations.

Your next challenge:

• You will be responsible for acquiring and building relationships with new clients and intermediaries from and in France. The position is based in Luxembourg and you will report to the Head of Business Development
• Contribute to the growth strategy and to the development of the value proposition of the bank
• Conduct research to identify business opportunities with both existing and new customers
• Develop a growth strategy, foster and build both long-term and trustworthy customer relationships
• Maintain an extensive knowledge of the current market conditions to detect and/or anticipate possible commercial opportunities for the customers
• Collaborate across business lines to help you develop new business leads and ensure an excellent after-sales service to guarantee the satisfaction of your customers
• Attend and coordinate events (seminars, conferences) where appropriate to grow your own portfolio
• Make use of the internal CRM to keep track on your business development activities

Your skills:

• A proven track record in a sales position
• A strong network of private customers and financial intermediaries in France
• An excellent knowledge of the products and services that French private customers and financial intermediaries based in France and outside France typically require (life insurance, wealth planning solutions, loan financing .)
• Excellent interpersonal skills, an entrepreneurial spirit and the ability to build sustainable relationships
• Proven negotiation skills and the ability to close deals
• A high level of integrity and ethics
• A relevant University background in Finance
• Fluent in French and English, any other language is seen as an advantage
• Strongly client- and results-oriented
• Rigorous, organized and methodical in customer approach actions
• Motivated to be part of a team
• Willing and able to travel

BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.
BIL is firmly of the opinion that diversity & inclusion contribute towards increasing the collective performance of the Bank. We are committed to creating a culture of inclusion that encourages individual development with equal opportunities for all.

NB: The selected candidate will be asked to provide an extract from the criminal record (no.3) as evidence of integrity and justified with regard to the specific needs of the position to be filled. Other documents will be collected, to the extent legally permitted, to perform background checks.

APCT1_LU

Founded in 1856, Banque Internationale à Luxembourg is the oldest multi-business bank in the Grand Duchy. From its foundation, the BIL has always played an active role in the development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on major capital markets. Employing more than 2 000 people, BIL is present in the financial hotspots that are Luxembourg, Switzerland, and China.
As a major player in Luxembourg's finance industry and as a signatory of the UN Principles of Responsible Banking, BIL is committed to handing over a responsible and sustainable bank to future generations.

Your next challenge:

• You will be responsible for acquiring and building relationships with new clients and intermediaries from and in France. The position is based in Luxembourg and you will report to the Head of Business Development
• Contribute to the growth strategy and to the development of the value proposition of the bank
• Conduct research to identify business opportunities with both existing and new customers
• Develop a growth strategy, foster and build both long-term and trustworthy customer relationships
• Maintain an extensive knowledge of the current market conditions to detect and/or anticipate possible commercial opportunities for the customers
• Collaborate across business lines to help you develop new business leads and ensure an excellent after-sales service to guarantee the satisfaction of your customers
• Attend and coordinate events (seminars, conferences) where appropriate to grow your own portfolio
• Make use of the internal CRM to keep track on your business development activities

Your skills:

• A proven track record in a sales position
• A strong network of private customers and financial intermediaries in France
• An excellent knowledge of the products and services that French private customers and financial intermediaries based in France and outside France typically require (life insurance, wealth planning solutions, loan financing .)
• Excellent interpersonal skills, an entrepreneurial spirit and the ability to build sustainable relationships
• Proven negotiation skills and the ability to close deals
• A high level of integrity and ethics
• A relevant University background in Finance
• Fluent in French and English, any other language is seen as an advantage
• Strongly client- and results-oriented
• Rigorous, organized and methodical in customer approach actions
• Motivated to be part of a team
• Willing and able to travel

BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.
BIL is firmly of the opinion that diversity & inclusion contribute towards increasing the collective performance of the Bank. We are committed to creating a culture of inclusion that encourages individual development with equal opportunities for all.

NB: The selected candidate will be asked to provide an extract from the criminal record (no.3) as evidence of integrity and justified with regard to the specific needs of the position to be filled. Other documents will be collected, to the extent legally permitted, to perform background checks.

APCT1_LU

Du möchtest Asset Servicing mitgestalten? Dann bewirb dich bei uns!

Wir suchen zum nächstmöglichen Zeitpunkt einen Relationship Manager (m/w/d) - Real Assets für unseren Bereich Client Relationship Management in Luxemburg.

Dein Aufgabengebiet

• Du bist kompetenter Ansprechpartner für unsere institutionellen Kunden auf Seiten des AIFMs und der Zentralverwaltung mit dem Schwerpunkt Real Assets im Kontext von strategischen und koordinativen Fragestellungen
• Du kümmerst Dich um den Ausbau und die Pflege der Kundenbeziehung durch regelmäßige Kundenbesuche, „Service-Review Meetings“ und proaktive Kundenansprache
• Du bist für die Erstellung und Verhandlung von Angeboten bei der Auflage von Folgeprodukten von bestehenden Kunden verantwortlich
• Du unterstützt die operativen Einheiten und arbeitest proaktiv mit externen Beratern bei regulatorischen Projekten zusammen
• Du übernimmst eine Vermittlungsfunktion bei Eskalationsfragen zwischen Kunden und konzerninternen Back-Office-Einheiten
  

Dein Profil

• Du hast ein Studium der Wirtschafts- oder Rechtswissenschaften erfolgreich abgeschlossen
• Du verfügst über mindestens 5 Jahre Berufserfahrung im Bereich der Betreuung von Real Asset Kunden
• Du trittst sicher auf und bringst sehr gute Verhandlungsfähigkeiten mit
• Deutsch und Englisch beherrschst Du fließend in Wort und Schrift
• Dich zeichnet eine ausgeprägte Teamfähigkeit aus
• Für Dich ist eigenverantwortliches und zielorientiertes Arbeiten selbstverständlich
• Du verfügst über eine gute Vernetzung innerhalb der Fondsindustrie (z.B. Initiatoren, Vertriebseinheiten, Wirtschaftsprüfern und Service Dienstleistern)

Wir bieten

• Du hast die Möglichkeit, internationale Top-Kunden (Pensionskassen, Versicherungen, Versorgungswerken, GPs) zu betreuen
• Du arbeitest in einem dynamischen Umfeld in einer schnell wachsenden, agilen und teamorientierten Organisation
• Du bist Teil eines Teams von fünf erfahrenen Relationship Managern
• Bei uns hast Du die Chance, mit Ideen, Engagement und Ehrgeiz etwas zu bewegen
• Flexible Arbeitsgestaltung (inklusive der Möglichkeit von Flex Office) bietet Dir alles, was Du für ein eigenverantwortliches Arbeiten benötigst
• Profitiere von unseren Corporate Benefits, wie z.B. betriebliche Altersvorsorge, private Krankenversicherung, Essenszuschuss, Gesundheitsmanagement
• Infolge unserer flachen Hierarchien hast Du den notwendigen Freiraum, Dich und das Unternehmen weiterzuentwickeln
• Mit unseren exzellenten Weiterbildungsmöglichkeiten bieten wir Dir die Möglichkeit, Dein fachliches und persönliches Kompetenzprofil kontinuierlich auszubauen

Wer wir sind

Die HAFS Group umfasst die Unternehmen Hauck & Aufhäuser Fund Services S.A. sowie ihre beiden Tochtergesellschaften, die Hauck & Aufhäuser Administration Services S.A. und HAL Fund Services Ireland Ltd.

Hauck & Aufhäuser Fund Services S.A. (HAFS) ist Ihr zuverlässiger Partner für umfassende Fondsdienstleistungen entlang der gesamten Fondsprozesskette. Wir begleiten Sie von der ersten Idee über die Strukturierung und Genehmigung bis hin zur Fondsauflage und laufenden Betreuung – alles aus einer Hand. Als Super ManCo bieten wir Ihnen eine vollständige Abdeckung sämtlicher Investmentprodukte.

Unsere Tochtergesellschaft Hauck & Aufhäuser Administration Services S.A. (HAAS) ergänzt unser Angebot mit maßgeschneiderten Dienstleistungen rund um die Fondsadministration für unabhängige Vermögensverwalter, institutionelle Investoren und Finanzdienstleister in Deutschland, Luxemburg, der Schweiz, Österreich und Irland.

Von klassischen UCITS-Fonds und Spezialfonds bis hin zu Alternativen Investmentfonds (AIF) bieten wir individuelle Lösungen, die optimal auf Ihre Bedürfnisse zugeschnitten sind. Dank der modernen Infrastruktur und der langjährigen Erfahrung unseres hochqualifizierten Teams können wir eine schnelle und effiziente Fondsauflage garantieren. Zudem unterstützen wir Sie bei komplexen Anforderungen, der Integration von ESG Kriterien und der Verwaltung offener oder geschlossener Fonds in allen gängigen Asset-Klassen.

Mit unserer Tochtergesellschaft HAL Fund Services Ireland Ltd. (HALFI) in Dublin erweitern wir unsere Dienstleistungen auf den irischen Markt. Als regulierter UCITS-Manager und Verwalter Alternativer Investmentfonds (AIFM), zugelassen von der irischen Zentralbank, bieten wir Ihnen grenzüberschreitende Lösungen auf höchstem Niveau.

Mit über 25 Jahren Erfahrung im Asset Servicing und rund 350 Mitarbeitern an den Standorten Luxemburg, Deutschland und Irland zählt das Unternehmen zu den führenden europäischen Service-Kapitalverwaltungsgesellschaften. Flache Hierarchien und eine geringe Fluktuation spiegeln die stabile Unternehmenskultur der HAFS-Group wieder.

APCT1_LU

Founded in 1856, Banque Internationale à Luxembourg is the oldest multi-business bank in the Grand Duchy. From its foundation, the BIL has always played an active role in the development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on major capital markets. Employing more than 2 000 people, BIL is present in the financial hotspots that are Luxembourg, Switzerland, and China.
As a major player in Luxembourg's finance industry and as a signatory of the UN Principles of Responsible Banking, BIL is committed to handing over a responsible and sustainable bank to future generations.

Your next challenge:

• Develop and implement strategic initiatives to acquire new clients, while taking ownership of expanding relationships with both existing and prospective clients.
  
• Accountable for acquiring new clients and driving business growth on the Chinese market, including entrepreneurial clients based in Europe. Core focus areas also include External Asset Managers, Family Offices, and Multi-Family Offices.
  
• Close collaboration with an expanding network of Business Partners and Business Introducers to enhance market reach and client engagement.
  
• Identify and address client needs and preferences, offering suitable products and services.
  
• Ensure the accurate execution of client instructions to maintain a high level of service quality.
  
• Stay updated on developments in financial markets and ensure the bank's investment strategy is faithfully executed.

Your skills:

• Relevant degree of financial education and certifications.
  
• A background in Corporate banking/Corporate Finance, whether through education or practical experience, is considered an asset.
  
• Fluency in Mandarin and Chinese
  
• Proven experience and expertise in Private Banking, Business development and relationship management.
  
• Strong network of mortgage brokers would be a strong advantage
  
• Strong knowledge of the products and services in Private Banking/Wealth Management
  
• Excellent interpersonal skills and the ability to build sustainable relationships.
  
• A high level of integrity and ethics.
  
• Proven negotiation skills.
  
• Growth mindset and ability to work effectively in a team.
  
• Display a strong client-centric and results-driven mindset.
  
• Possess a strong inclination towards teamwork and the ability to collaborate effectively with internal stakeholders.
  
• Demonstrate a readiness and capability to undertake travel.
  

BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.
BIL is firmly of the opinion that diversity & inclusion contribute towards increasing the collective performance of the Bank. We are committed to creating a culture of inclusion that encourages individual development with equal opportunities for all.

NB: The selected candidate will be asked to provide an extract from the criminal record (no.3) as evidence of integrity and justified with regard to the specific needs of the position to be filled. Other documents will be collected, to the extent legally permitted, to perform background checks.

APCT1_LU

Founded in 1856, Banque Internationale à Luxembourg is the oldest multi-business bank in the Grand Duchy. From its foundation, the BIL has always played an active role in the development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on major capital markets. Employing more than 2 000 people, BIL is present in the financial hotspots that are Luxembourg, Switzerland, and China.
As a major player in Luxembourg's finance industry and as a signatory of the UN Principles of Responsible Banking, BIL is committed to handing over a responsible and sustainable bank to future generations.

Your next challenge:

• Manage and retain existing relationships with clients, and increase ROA
  
• Detect client needs and preferences and offer appropriate products and services (financial, legal and tax products)
  
• Ensure that client instructions are well executed to guarantee a high level of service
  
• Coordinate client events (conferences and sponsored activities) and organize key actions to acquire new clients
  
• Keep abreast of developments in financial markets and make sure the bank's investment strategy is properly implemented

Your skills:

• 3+ years of experience in both Corporate and Private client relationships
  
• Business development and relationship management experience and expertise
  
• Strong knowledge of the products and services in Private Banking/Wealth Management
  
• Relevant University Degree education
  
• Excellent interpersonal skills and the ability to build sustainable relationships
  
• A high level of integrity and ethics
  
• Proven negotiation skills
  
• Fluent in French and English, German and Mandarin would be considered as an advantage
  
• Strongly client and results focus orientation
  
• Motivated to be part of a team - working well with internal stakeholders
  
• Willingness and ability to travel
  

BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.
BIL is firmly of the opinion that diversity & inclusion contribute towards increasing the collective performance of the Bank. We are committed to creating a culture of inclusion that encourages individual development with equal opportunities for all.

NB: The selected candidate will be asked to provide an extract from the criminal record (no.3) as evidence of integrity and justified with regard to the specific needs of the position to be filled. Other documents will be collected, to the extent legally permitted, to perform background checks.

APCT1_LU

Founded in 1856, Banque Internationale à Luxembourg is the oldest multi-business bank in the Grand Duchy. From its foundation, the BIL has always played an active role in the development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on major capital markets. Employing more than 2 000 people, BIL is present in the financial hotspots that are Luxembourg, Switzerland, and China.
As a major player in Luxembourg's finance industry and as a signatory of the UN Principles of Responsible Banking, BIL is committed to handing over a responsible and sustainable bank to future generations.

Your next challenge:

• Develop and implement strategic initiatives to acquire new clients, while taking ownership of expanding relationships with both existing and prospective clients.
  
• Accountable for acquiring new clients and driving business growth on the Chinese market, including entrepreneurial clients based in Europe. Core focus areas also include External Asset Managers, Family Offices, and Multi-Family Offices.
  
• Close collaboration with an expanding network of Business Partners and Business Introducers to enhance market reach and client engagement.
  
• Identify and address client needs and preferences, offering suitable products and services.
  
• Ensure the accurate execution of client instructions to maintain a high level of service quality.
  
• Stay updated on developments in financial markets and ensure the bank's investment strategy is faithfully executed.

Your skills:

• Relevant degree of financial education and certifications.
  
• A background in Corporate banking/Corporate Finance, whether through education or practical experience, is considered an asset.
  
• Fluency in Mandarin and Chinese
  
• Proven experience and expertise in Private Banking, Business development and relationship management.
  
• Strong network of mortgage brokers would be a strong advantage
  
• Strong knowledge of the products and services in Private Banking/Wealth Management
  
• Excellent interpersonal skills and the ability to build sustainable relationships.
  
• A high level of integrity and ethics.
  
• Proven negotiation skills.
  
• Growth mindset and ability to work effectively in a team.
  
• Display a strong client-centric and results-driven mindset.
  
• Possess a strong inclination towards teamwork and the ability to collaborate effectively with internal stakeholders.
  
• Demonstrate a readiness and capability to undertake travel.
  

BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.
BIL is firmly of the opinion that diversity & inclusion contribute towards increasing the collective performance of the Bank. We are committed to creating a culture of inclusion that encourages individual development with equal opportunities for all.

NB: The selected candidate will be asked to provide an extract from the criminal record (no.3) as evidence of integrity and justified with regard to the specific needs of the position to be filled. Other documents will be collected, to the extent legally permitted, to perform background checks.

APCT1_LU

PADDOCK is part of the FIDENCE Group which is a Luxembourg headquartered group of companies offering high-quality services in the corporate, tax and legal sector. Our services range from incorporation, company management services, accounting to tax services offered to private individuals, corporates as well as investment funds. FIDENCE's policy is to provide the expertise and technical capabilities required to satisfy the most demanding clients and to be recognized as the most responsive business partner on the market.

To complete our team, we are currently looking to recruit a:

JOB DESCRIPTION:

• You are a future key client contact person for corporate (paralegal / administrative) matters with regard to Luxembourg companies
• You will actively participate in the day-to-day management of these companies, prepare board meetings, shareholder meetings and a variety of other corporate documents
• You follow up on legal proceeding relating to the investment, holding structures and assets of client portfolios
• You will organize incorporations, mergers and liquidations
• You will extensively liaise with our clients, local notaries, public authorities and banks.
• You will work in a small team, coached and supervised by the managers and partners, cooperating closely with other departments to ensure full monitoring of all transactions

YOUR PROFILE:

• 0 to 2 years' experience in a similar position in Luxembourg, preferably in a financial or corporate environment
• A University degree in Law, Economics or other is highly appreciated
• Knowledge of Luxembourg company law will be considered an asset
• Fluent in speaking / writing GERMAN and ENGLISH / FRENCH
• A quick learner with a positive attitude
• Consider team spirit to be of major benefit to yourself and your colleagues

OUR OFFER:

• A well-established and steadily growing company with experienced partners specialized in tax and domiciliation services.
• A proactive and strongly connected team of people working with a wide range of clients around the globe.
• A remuneration package that will be in line with your motivation, skills and experience.

INTERESTED?

PLEASE SEND YOUR CURRICULUM VITAE WITH PHOTO AND MOTIVATION LETTER VIA Jobs.lu

APCT1_LU

Founded in 1856, Banque Internationale à Luxembourg is the oldest multi-business bank in the Grand Duchy. From its foundation, the BIL has always played an active role in the development of the Luxembourg economy. It currently operates in retail, private and corporate banking, as well as on major capital markets. Employing more than 2 000 people, BIL is present in the financial hotspots that are Luxembourg, Switzerland, and China.
As a major player in Luxembourg's finance industry and as a signatory of the UN Principles of Responsible Banking, BIL is committed to handing over a responsible and sustainable bank to future generations.

Your next challenge:

• Develop and implement strategic initiatives to acquire new clients, while taking ownership of expanding relationships with both existing and prospective clients.
  
• Accountable for acquiring new clients and driving business growth in key target segments (Sweden, Italy and the Netherlands) and markets, including entrepreneurial clients in Europe. Core focus areas also include External Asset Managers, Family Offices, and Multi-Family Offices.
  
• Close collaboration with an expanding network of Business Partners and Business Introducers to enhance market reach and client engagement.
  
• Identify and address client needs and preferences, offering suitable products and services.
  
• Ensure the accurate execution of client instructions to maintain a high level of service quality.
  
• Stay updated on developments in financial markets and ensure the bank's investment strategy is faithfully executed.

Your skills:

• Relevant degree of financial education and certifications.
  
• A background in Corporate banking/Corporate Finance, whether through education or practical experience, is considered an asset.
  
• Fluency in English is mandatory - any other European language would be an asset
  
• Proven experience and expertise in Private Banking, Business development and relationship management.
  
• Strong network of mortgage brokers (especialliy with Nordic ties) would be a strong advantage
  
• Strong knowledge of the products and services in Private Banking/Wealth Management
  
• Excellent interpersonal skills and the ability to build sustainable relationships.
  
• A high level of integrity and ethics.
  
• Proven negotiation skills.
  
• Growth mindset and ability to work effectively in a team.
  
• Display a strong client-centric and results-driven mindset.
  
• Possess a strong inclination towards teamwork and the ability to collaborate effectively with internal stakeholders.
  
• Demonstrate a readiness and capability to undertake travel.
  
• Exhibit robust IT skills, with a preference for advanced proficiency in Avaloq. BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.
  

BIL offers a broad range of challenging projects and a huge choice of career paths .We will assist you in finding the one that best meets your skills and expectations. Your personal development is our priority and we greatly encourage you to dive into different business areas for the broadest possible experience.
BIL is firmly of the opinion that diversity & inclusion contribute towards increasing the collective performance of the Bank. We are committed to creating a culture of inclusion that encourages individual development with equal opportunities for all.

NB: The selected candidate will be asked to provide an extract from the criminal record (no.3) as evidence of integrity and justified with regard to the specific needs of the position to be filled. Other documents will be collected, to the extent legally permitted, to perform background checks.

APCT1_LU