Thursday 23 June 2016

International Financial Securities: OVERVIEW



FC PROVIDES COMPREHENSIVE SOLUTIONS TO CLIENTS IN DEVELOPING COUNTRIES TO ADDRESS TODAY’S GREATEST DEVELOPMENT CHALLENGES.

IFC’s offerings are designed to meet the specific needs of our clients in different industries, with a special focus on infrastructure, manufacturing, agribusiness, services, and financial markets.

Our financial products enable companies to manage risk and broaden their access to foreign and domestic capital markets. Our advice helps unlock private sector investment, which is essential for expanding businesses, creating jobs, and growing economies.

We work with the private sector to encourage entrepreneurship and build sustainable businesses—advising them on a wide range of issues, including environmental, social and governance standards, energy and resource efficiency, and supply chains. We help expand access to critical finance for individuals and micro, small, and medium enterprises through our work with financial intermediary clients.

We also measure our results and those of our clients to assess whether we are contributing effectively to our goals of ending extreme poverty and boosting shared prosperity—and whether our work is making a difference to the people and markets that most need our help.

In fiscal year 2015, our long-term investments in developing countries totaled $17.7 billion, a 17 percent increase over the previous year. More than a third of that amount—over $7 billion—was mobilized from other investors.



PRODUCTS & SERVICES

Loans
Equity
Trade and Supply Chain Finance
Syndications
Treasury Client Solutions
Venture Capital
Advisory
Asset Management


EXPERTISE

Agribusiness and Forestry
Financial Institutions
Funds
Health and Education
Infrastructure
Manufacturing
Oil, Gas, and Mining
Public-Private Partnerships
Telecommunications, Media and Technology

Tourism, Retail and Property

Sunday 12 June 2016

Heimdal Security Company: 10 Warning Signs that Your Computer is Malware Infected


Malware affects us all

The increasing number of Internet users worldwide creates an equal (or larger) number of opportunities for cyber criminals to take advantage of our systems. As we become more dependent on the online environment, we can clearly see a massive growth in malware and cyber-criminal activities all across the globe.

With so many ways out there to access and exploit vulnerable systems, we need to make sure we’re able to recognize a malware infection in order to prevent and defend our systems.

Because it is a battle and you need to be ready.

This article will show you what the main symptoms of a malware infected system are. You’ll also learn to correctly evaluate the risk and know where to look for a solution. Let’s get to it!

Symptoms of a malware infection

1. SLOWDOWN

Does it take longer than normal for your operating system to boot up?

Are you waiting too long for some of your programs to start?

It is a known fact that malware has the tendency to slow down your operating system, your Internet speed or the speed of your applications.

If you notice something like this and you’re not using any resource-heavy program or application, check for other causes first. It may be a lack of RAM memory, a fragmented system, a lack of space on your hard drive or maybe a hardware issue affecting your drive. These 10 tips will come in handy when evaluating such problems.

If you have already thoroughly verified these possible causes and all seems fine, you can start considering a potential malware infection.

2. POP-UPS

One of the most annoying signs of malware is represented by the unwanted pop-up windows. Unexpected pop-ups which appear on the system are a typical sign of a spyware infection.

In this particular case, the main issue is created not only by the numerous pop-up windows that affect your Internet navigation, but also because it is quite difficult to remove them from the system.

Pop-ups are not only annoying, but they usually come bundled with other concealed malware threats, and which could be far more destructive for our systems.

To avoid spyware and its impact on our systems, keep in mind a few security practices:
·         don’t click any suspicious pop-up windows
·         don’t answer unsolicited emails/messages
·         be careful when downloading free applications


3. CRASHES

If your programs or your system crash constantly or the infamous BSOD (Blue Screen of Death) appears regularly, it’s a clear warning that your system is not working properly and you should look into it.

There are two things that can cause this type of issues:

·         You could be dealing with a technical issue caused by a potential incompatibility between your software and/or hardware
·         Or it may be a malware issue.

If you suspect a technical issue, multiple software problems may lead to this.

Are you running various programs which may conflict with each other? Are there any orphan registry keys which have not been removed that could down and eventually crash your system?

If you are checking for malware, simply run a complete scan on the system with a good antivirus product. It is important to have a reliable security solution on your system, which should include real-time scanning, automatic update and a firewall.

4. SUSPICIOUS HARD DRIVE ACTIVITY

Another warning sign of a potential malware infection on your system is the hard drive activity.

If you notice that your disk continues to exhibit excessive activity even when you don’t use it and there is no program or download running at that moment, this could be the right time to check your system for malware.

We have to mention that another possible cause for the abnormal hard disk activity could be a hardware failure of the disk. You should also take this into consideration.

5. RUNNING OUT OF HARD DRIVE SPACE

Regarding the hard drive, you also need to check if your physical storage space has been increasing lately or if some of your files disappeared or changed their names.

This is another sign of malware activity, since there are numerous types of malicious software which use various methods to fill up all the available space in the hard drive and cause it to crash.

6. UNUSUALLY HIGH NETWORK ACTIVITY

There are cases where the user is not connected to the Internet through his browser, and there is no program that may connect to online servers to download or upload any data,  but high network activity can still be observed.

First of all, we need to check the following:
·          Is there any Windows update at that moment?
·          Is there any program or application that’s downloading or uploading any data?
·          Is there any update for a certain app running at that moment?
·          Is there a large download that you started and forgot about, which may still be running in the background?

If the answer to all these questions is No, then maybe you should check where all that traffic is going.
·         To monitor your network, you can use one of the following programs: Glass Wire, Little Snitch or Wireshark.
·         To check for a malware infection, use a good antivirus product to check your system.
·         If you suspect that your computer has been infected by a dangerous financial malware, you need a specialized security suite designed to address these type of threats.

7. NEW BROWSER HOMEPAGE, NEW TOOLBARS and/or UNWANTED WEBSITES ACCESSED WITHOUT YOUR INPUT

Have you noticed that your home page has been changed and you don’t remember doing it yourself?

Did a new toolbar pop out of nowhere and landed at top of your web browser?

Have you tried to access your favorite blog, but you were redirected to a different address?

This usually happens when you visit a website and you accidentally click a link or a pop-up window. This triggers unwanted software to download and install on your device. Its effects are not only annoying, but also malicious.

Run a complete scan with your security solution as soon as possible. Because these type of threats don’t go away easily. Make sure you run additional scans with specialized software, such as anti-spyware programs as the ones mentioned above.

8. UNUSUAL MESSAGES OR PROGRAMS THAT START AUTOMATICALLY

A few warning signs should really make you suspicious. If any of these happen, pay closer attention and try finding the cause:

·         if, all of a sudden, you see programs opening and closing automatically
·         your Windows operating system shutting down without reason
·         if you notice strange windows in the booting process
·         or if Windows informs you that you’ve lost access to some of your drives.

Though the root cause may be a technical one, it could also be a sign that malware has compromised your system. If this is the case and you lost access to some important areas of your operating system, you need to prepare for the worst. These are the cases when a complete wipe and reinstall of the operating system is taken into consideration.


9. YOUR SECURITY SOLUTION IS DISABLED

If you’re antivirus solution doesn’t seem to work anymore or if the Update module seems to be disabled, then check to see what happened immediately!

You should know that some types of malware are especially designed to disable security solutions, leaving you without any defense. If you already tried to reboot your computer, close and open the security solution and all your troubleshooting efforts were useless, you could consider the malware infection scenario.

This is especially the case since traditional antivirus solutions are sometimes unable to block and remove advanced malware, such as ransom ware or financial malware. There are a couple of strong reasons why this is happening, and you should read about them, so you can enhance your protection by adding multiple layers.

10. YOUR FRIENDS TELL YOUR THAT THEY’RE GETTING STRANGE MESSAGES FROM YOU

Are your friends telling you that they received suspicious emails from you or instant messages from your social media account, which often include attachments or links?

First of all, you need to verify whether those emails or messages were sent from one of your accounts (so check your Sent Items folder in your email/social media account). If there’s nothing there, those messages could have been delivered from an application which is out of your control.

If you discover the messages were sent from one of your accounts, take these steps:

·         Make sure you logged out from all your accounts. We access the same accounts on our work computers, on our home laptops and of course, on our mobile devices. Since we log in to our favorite online accounts on so many devices, it can happen that sometimes we forget to log out. Therefore, always make sure to log out from your online accounts on all devices.

·         Set strong passwords for your accounts. Don’t use the same password for all your accounts! Even if you are hacked, having different passwords for each account will help you limit a potential loss. Make a habit of managing your passwords safely.

·         Use two-factor authentication. This option can significantly increase your control over your accounts’ security. Using two-factor authentication means that, besides entering your credentials, you will also need to enter a code sent to your phone.

Knowledge is our best weapon

Knowing how malicious software behaves on a regular system may just prove to be the key element between staying safe and having your system wrecked or your online identity stolen.

Since we live in a connected and complex environment, online security doesn’t end with installing a series of security programs and forgetting about them. It’s essential that we also understand how malware behaves on the system, so we can mitigate its impact.

In the end, it is our knowledge of malware tools and methods that keeps us safe, because it is far easier to prevent a threat from becoming reality than to take actions against it when it’s already too late.


Wednesday 8 June 2016

Compliance Operations Specialist

More information about this job:
Overview:
Reporting directly to the Vice President of PBO Business Strategy and Operations. The Compliance and Operations Specialist will play a key role on the Business Strategy and Operations team.

The Compliance and Operations Specialist (COS) will work independently to ensure their designated offices are in compliance with proscribed policies, procedures and regulatory requirements. COS will act as a liaison between the QA unit and the Preferred Banking Offices and management teams. Compliance and Operations Specialist (COS) works with multiple businesses units in a changing environment where the complexity of the job changes from day to day.
The position requires travel to existing footprints of the bank on a regular basis to ensure adherence to regulatory, compliance and policy requirements. The position also requires an ability to work alone and set an appropriate schedule to make certain all assigned Preferred Banking Offices are reviewed on a regular basis for specific tasks (not limited to but including, wire review, daily work) with an additional role of training and developing other team members such as FlightPath QC Associates.

This dynamic position goes beyond strictly operations review and includes performing periodic Assessments, monthly reviews of the entire Preferred Banking Office’s operations with an added emphasis on training and development of assigned offices and bankers.

The Compliance and Operations Specialist will consult with various business units across the enterprise (i.e. Legal/Compliance; BSA/AML; Risk, Fraud and Security; Internal Audit; Deposit Services; etc.) to ensure all offices within their assigned regions are prepared for internal or external regulatory examinations.

Responsibilities:

DUTIES AND RESPONSIBILITIES:
·         Works on multiple Quality Assurance / Quality Control tasks across the PBO’s with bankers. Proactively uses independent judgment to identify opportunities to improve the quality and usability of internal processes to enable our bankers to be in compliance with regulatory requirements and the bank’s Policies and Procedures of the Bank (e.g. Big Green Book and Eaglesnet).
·         Has a strong working knowledge of Regulatory and Compliance requirements and Bank Policies and Procedures to participate in the creation, preparation, and conduct of Office Assessments along with leading professional development seminars as necessary to guide our bankers and all bank stakeholders.
·         Cross-trains as FlightPath QC Associates for entry and audit of new accounts and account documentation including changes to signers on accounts to enforce and comply with the bank’s KYC process. Performs this function as needed. Mentors and trains the FlightPath QC Associates.
·         Upon request, provides the Vice President with accurate QA status reports which identifies operational deficiencies of the PBO’s. Documents, presents findings, and relays evaluative feedback to the Vice President and leadership team.
·         Works closely with the Vice President to ensure all operational issues are effectively communicated, including actively participating in ad-hoc projects and team meetings, while exhibiting ownership, follow-thru, initiative and independent judgment at all times.
·         Responsible to work on projects, including, but notwithstanding, monitoring, consolidating, and archiving active and pending reports, and performing other duties & responsibilities as required by the VP of Business Strategy and Operations and their assignee.
·         Responsibilities include the following: 1) adhering to and complying with the applicable, federal and state laws, regulations and guidance, including those related to Anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.) 2) adhering to Bank policies and procedures, 3) completing required training, 4) identifying and reporting suspicious activity to the AML Officer, and 5) knowing and verifying the identity of any customer(s) that enters into a relationship with the Bank.

Qualifications:

SKILLS, KNOWLEDGE, AND ABILITIES:
Minimum 3-5 years of supervisory, retail branch operations and customer service experience. Strong communication skills, manage multiple projects under rapidly changing conditions, ability to multi-task, strong attention to detail, excellent problem solving and follow-up skills, computer skills with an emphasis on Word, Excel and PowerPoint. Position is required to travel 80% of the time. Must have excellent organizational and oral presentation skills. A candidate is expected to be a self-starter with a high ability to quickly comprehend technical concepts, and willingness to take charge and seek out answers, use independent judgment, even when given minimal instruction and guidance.

PHYSICAL REQUIREMENTS:
·         Vision must be sufficient to read data reports, manuals and computer screens.
·         Hearing must be sufficient to understand a conversation at a normal volume, including telephone calls and in person.
·         Speech must be coherent to clearly convey or exchange information, including the giving and receiving of assignments and/or directions.
·         Position involves sitting most of the time, but may involve walking or standing for brief periods of time.

·         Must be able to travel in a limited capacity.

Thursday 2 June 2016

Reasons Why You Should Never Hire Cheap Lawyers in Singapore

You can find a lot of lawyers in Singapore. They are ready to help you in any cases properly. It is important for you to select the best lawyers who can provide the best service for all customers. You should never hire cheap lawyers for helping you in any cases. There are some reasons why you need to avoid choosing any cheap lawyers. You need to compare some available attorneys who are ready to help you in the court. Here are some good reasons why you never focus on the lawyer's cost, especially when choosing a good lawyer in Singapore.

1. Cheap lawyers usually have low success rate

It is one of the most important reasons why you should never hire cheap lawyers. These lawyers usually have low success rate history. It means that they are not able to help you get your success on the court. If you want to be successful in solving your problems in the court, you need to hire the best lawyer today. There are some professional lawyers who are ready to help you in your cases in Singapore today. You can compare some available lawyers for choosing the best one easily.

2. They don't have a lot of experience

Cheap lawyers usually don't have a lot of experience in this industry. They don't know how to solve any cases completely. This situation can be dangerous for you and other clients. If you want to solve your cases completely, you have to choose the best lawyers with good experience. Good lawyers should have a lot of experience in solving any cases easily.

3. They cannot cover all cases

Many people feel unhappy when they choose the wrong lawyers. Some of these cheap lawyers are not able to cover all cases. They usually serve certain people with certain cases. They don't have proper skills or knowledge for helping all clients solve their problems immediately. If you want to avoid choosing the wrong lawyers, you need to compare some available persons who are ready to assist you in the court.

4. Some of these lawyers don't have good reputation

This is another reason why you should not focus on the lawyers' cost. There are a lot of cheap lawyers who don't have good reputation among many customers. When you read many reviews or testimonials from other customers, you may find some cons about these cheap lawyers. It is very important for you to read reviews from other clients before you choose the right lawyers for yourself. You can read these reviews from many resources, such as newspaper, blogs, websites, magazines, and many other places.

5. Cheap lawyers usually don't want to give their full potential

Finding the best lawyer is very important to help you in the court. When you choose cheap lawyers, they are not willing to provide their best potential for assisting you in the court. This is another disadvantage that you can get, especially when you hire these lawyers. They only focus on the lawyer's fees that they are going to receive from their clients. It is a good idea to choose the best lawyers who have full dedication in this industry.

6. They don't have good service for all customers

Some cheap lawyers don't have good service for all customers. This is another fact that you need to know about these lawyers. When you want to choose the best lawyers for yourself, you need to avoid choosing low quality lawyers for yourself. You need to discuss with them about your case before you select the right one for yourself. When you discuss about your needs, you can compare the quality of those lawyers.

7. Some cheap lawyers cannot provide the finest legal service

When you are looking for the finest legal service, you should never choose the cheap lawyers. These lawyers cannot provide high quality service for all customers. They usually only focus on completing the project without providing the best service for all customers.

They are some good reasons why you need to avoid some cheap lawyers. You can find many good lawyers in Singapore easily. It is a good idea to compare some available lawyers, so you can choose the right one easily. You can also ask for referrals from your friends or families. They are able to give you some recommended lawyers that you can choose for solving your problem properly. It is very important to select the best lawyers who have a lot of experience in this industry.