Since our establishment in 1918, Sanlam has been a prominent part of the South African business landscape. We have always held a long-term view of how business adapts to the demands of the environment in which it operates. Today, in a dynamic world, we see an evolving set of social, economic, political and environmental imperatives that require our skilfu...
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Overview
This position will report to the Chief Executive Officer, Sanlam Private Wealth and will be part of the Sanlam Private Wealth executive committee. This role will determine financial strategy, establish financial and dividend policy, provide input on corporate investment decisions and coordinate all aspects of the financial function. As CFO the role is responsible to prepare financial reports and budgets to support executives in the financial decision making process.
What will you do?
- Develop and implement the financial strategy for Sanlam Private Wealth
- Income statement and balance sheet management
- Budget planning, implementation and cost control
- Risk analysis and management thereof
- Oversight on risk management, compliance, legal and governance of EBF
- Assist the SPW CEO with growth of subsidiary businesses (STIL and SPW Mauritius)
- Financial management and oversight of SPW SA, STIL and SPW Mauritius
- Financial reporting
- Planning and budgets
- Expenditure management
- Control over fees
- Margin management
- Tax optimisation
- Review of salaries and Portfolio Manager commission payments
- Serve as role model for considering cultural and ethical factors in balancing the needs of stakeholders
- What will make you successful in this role?
- Contributing strategically – Foresight of future possibilities and translating them into breakthrough strategies
- Building strong-identity teams that apply their diverse skills and perspectives to achieve common goals
- Interpreting and applying understanding of key financial indicators to make better business decisions
- Making sense of complex, high quantity information to effectively problem-solve
- Qualification and experience
- Extensive experience in the Private Wealth, Banking, or Financial Services industry.
- The ideal candidate has prior experience providing solutions to High Net Worth clients.
- CA(SA) with 10 years related experience
Knowledge and skills
- Cultivates innovation – creating new and better ways for the organisation to be successful
- Client focus – building strong client relationships and delivering client-centric solutions
- Drives results – consistently achieving results, with an entrepreneurial mindset and a strong commercial focus, even under tough circumstances
- Collaborates – building partnerships and working collaboratively and inclusively with others to meet shared objectives
- Personal qualities
- Highly organized with a high level of customer focus
- Accurate and detail orientated
- Critical and analytical capability
- Ability to perform well under pressure and show maturity, confidence, and resilience
- Excellent listening, communication, and interpersonal skills
- Pro-Active approach to work, clients, problem-solving
- Learning agility and curiosity
- Assertive
- Passionate ownership for results
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Main responsibilities
The performance of the BI Data Engineer can be described and measured by:
- Define a structured approach to problem solving and delivery against it.
- Create role specific design standards, patterns and principles
- Load large, complex data sets to and make data available for other data engineers
- Identify, design, and implement internal process improvements: automating manual processes, optimising data delivery, re-designing models for greater scalability
- Use modern development and modelling techniques and tools to implement BI and data management solutions, including data quality, metadata and reference data
- Engage with a wide range of technical stakeholders including data scientists, data analysts, business analysts, other data engineers and solutions architects
- Support data stewards to establish and enforce guidelines for data collection, quality improvements, integration, and processes
- Mentor Junior Engineers
- Working with other data engineers and data modelers, you will design, implement, and manage ETL programmes, data transformations and data pipelines that realise source to target mappings.
- Design, implement, and manage complex data vaults, data transformations and the data pipeline; generally using the Wherescape tool
- Monitor and fine-tune data pipelines and data transformations using SQL, Spark, NiFi on the Cloudera Hadoop stack
- Monitor and fine-tune data vaults, data transformations and stored procedures on the Cloudera Hadoop stack
- Identify, design, and implement vault access layers to enable BI products to leverage the data within data vaults
- Design and monitor user or system access to the data warehouse to ensure data security and integrity
What will make you successful in this role?
Qualifications
- Bachelor’s degree in Computer Science, Statistics, Informatics, Information Systems, Engineering or another quantitative field / National Diploma in an Information Technology related discipline preferred
Experience and skills:
- 3- 8 years related experience
- Application and data engineering background with a solid background in SQL is required
- Data architecture design and delivery experience preferred
- Experience in three (3) or more of the following areas is required:
- Database technologies (e.g. SAP Hana, Teradata or similar) and database development (Views, Functions and Stored Procedure development)
- Hadoop components including HDFS, Hive, Spark, Oozie and Impala
- Object-oriented/object functional scripting languages: Python, Java, Scala or related.
- ETL tools (e.g. SAP Data Services)
- Event/Streaming based data pipelines (e.g. Kafka or Nifi)
- Data warehousing (Kimball and Data Vault patterns are preferred) and dimensional data modelling (OLAP and MDX experience)
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What will you do?
Regulatory Reporting:
- Prepare and support the completion of the quarterly and annual templates for Sanlam Fintech.
- Liaise with all relevant stakeholders involved in compiling the quarterly and annual to ensure timeous reporting.
- Manage the audit.
- Support IFRS 17 implementation
- Identify and implement process improvements in compilation of return.
Management and Statutory Reporting:
- Advise business on technical accounting matters, with specific reference to the application of accounting standards (International Financial Reporting Standards).
- Prepare, review and submit financial results of subsidiaries.
- Implement and monitor financial controls.
- Prepare, review and submit assigned notes to the Sanlam Group and Sanlam Life insurance Limited annual financial statements.
- Identify and implement opportunities for process improvements.
- Assist with Budget Consolidation
Consolidated management reporting on Cluster level including:
- Business performance and variances to budget
- Forecasting
- Trend analysis
- Identification/definition of relevant KPIs and reporting and tracking these
- Financial analysis and provision of insights to management on key trends and improvement opportunities
- Drafting of exco, board and audit committee reports
Other:
- Audit liaison during interim and year-end reporting periods.
- Document guidelines, processes and procedures where appropriate.
Qualification and Experience
- Chartered Accountant CA (SA)
- 4 years’ experience in a financial reporting environment within the Financial Services sector.
- Exposure to Financial Services Insurance industry.
- Knowledge and Skills
- Knowledge of Financial Management and Statutory Reporting.
- Knowledge of Sanlam’s financial reporting systems (Hyperion Financial Management and SAP).
- Strong technical knowledge of International Financial Reporting Standards (IFRS).
- Knowledge of Prudential Standards (Insurance Act).
- Computer skills (Excel advanced level)
- Behavioral Competencies
- Communicates effectively
- Decision quality
- Analytical thinking
- Concern for accuracy
- Plans and aligns
- Persuades
- Independence
Core Competencies
- Cultivates innovation - Contributing through others
- Customer focus - Contributing through others
- Drives results - Contributing through others
- Collaborates - Contributing through others
- Being resilient - Contributing through others
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What will you do?
The Santam Direct Call Centre has positions available for Sales Advisor who will be based in Aucklandpark. The successful candidates will offer world class products and services to clients, whilst achieving sales targets in an outbound call centre environment.
Responsible for inbound/outbound telephonic communication with client base. Ensures the quality of service exceeds customer expectations and establishes constructive relationships with client base. Utilises IT system accurately and ensures that all queries are answered effectively. Refers calls to appropriate departments only if unable to solve query appropriately. Deals with more complex queries, which often entail amendments to payments made. Provides accurate product information to clients in line with standards and protocols and may have supervisory responsibilities.
What will make you successful in this role?
- Consistently meeting sales targets.
- Adherence to Quality Assurance processes (Compliance with all relevant internal and external rules e.g. TCF, CPA and internal Sales processes).
- Offering outstanding customer experience.
- Strict adherence to workforce scheduling.
- Be available to work shifts as well as overtime.
QUALIFICATIONS
- Matric/ Grade 12
- RE Certificate
EXPERIENCE
- Minimum 30 Personal Lines Short-term Insurance credits
- Minimum 3-5 years’ experience within a sales outbound call centre.
- Compliance with FAIS Fit and Proper criteria i.e. minimum experience and competency requirements
- Solid sales track record.
- Consistent target achievement
- Solid out-bound call centre experience and skills
- Leads warm-up and cold calling will be mandatory.
- Clear record of accomplishment in terms of adherence to quality standards and compliance
KNOWLEDGE AND SKILLS
- Knowledge of short-term insurance processes, procedures and business rules advantageous
- Excellent English communication & writing skills
- Fluent in English and one other official language.
- Strong relationship, negotiating and networking skills
- Ability to influence.
PERSONAL ATTRIBUTES
- Communicates effectively
- Action oriented
- Situational adaptability
- Optimizes work processes
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What will you do?
Facilitate the user access recertification processes and act as subject matter expert (SME) for user access issues related to systems supported by SGT.
What will make you successful in this role?
Logical Access reviews - Monthly, Biannual, Annual
- Plan, Schedule, build and execute reviews
- Follow up with Information Security Officers, Business and technical stakeholders to ensure completion of reviews and clean-up of accounts
- Report on progress to relevant stakeholders
- Identify and escalate risks related to logical access to the Group Information Security Officer and relevant system and application owners.
Logical access consulting:
- Support projects as a Logical access admin SME
- Support the Sanlam Group Technology Helpdesk and Logical Access Admin team with complex logical access issues/challenges
- Assist with resolution of logical access audit findings
- Assist with ad hoc user access clean-up processes
Qualifications and Experience
- Matric
- Security +
- Demonstrated Experience
- 5 years working experience on Sanlam Life and Savings Mainframe (RACF) applications
- 2 years in a logical access administration role
- Experience in recertifying user access is preferable
- Good understanding of identity and access management principles (like ‘least privilege’ and segregation of duties).
- Good understanding/Power user of systems like: Microsoft Active Directory; IBM Tivoli Identity Manager; Mainframe applications; J.D.Edwards; AJS;Web-E
Knowledge and Skills
- Cyber Security Administration
- Cyber Security Audits
- Cyber Security Analysis
- Cyber Security Compliance
- Cyber Security Monitoring
Personal Attributes
- Action orientated - Contributing independently
- Decision quality - Contributing independently
- Interpersonal savvy - Contributing independently
- Optimises work processes - Contributing independently
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Qualification
- Grade 12 / Matric
- FAIS credits
- RE 5
Long Description
- Be able and responsible for increasing/exceeding sales through building reports with Brokers and Clients, by providing superior Sales Service through technical and product knowledge on Personal Lines Insurance products. Always keep TCF in mind.
- Be able to work towards set individual and team targets and be required to achieve and exceed set targets.
- Be able to build internal stakeholder relations to ensure superior service is provided to both broker and client alike.
- Computer literate in MS Word, Excel, Word & Powerpoint (proficient)
- Presentable with excellent verbal & written communication skills
- Knowledge of competitor’s products/advantageous
- Self-disciplined
- Self-motivated
- Problem-solving skills and solution-oriented
- Presentable
- Attention to detail with Active listening skills
- Able to work flexible hours
- Broker/Customer Focused
- Results oriented
Knowledge and Skills
- Customer Service
- Team Support
- Administration
- Quality, compliance and accreditation
- Personal Attributes
- Communicates effectively - Contributing dependently
- Decision quality - Contributing dependently
- Action orientated - Contributing dependently
- Optimises work processes - Contributing dependently
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What will make you successful in this role?
- Provide guidance to the business in Specialist Solutions in structuring of new and existing business deals/products/services to ensure adherence to the existing and developing legal, regulatory and governance framework.
- Assist, provide guidance and manage the implementation of regulatory and governance requirements internally and externally with business partners.
- Develop corrective action for resolution of existing regulatory and governance issues and provide general guidance to staff.
- Assist Specialist Solutions management and business partners to develop systems and processes in response to regulatory and governance changes.
- Work closely with Santam’s Legal, Compliance & Risk Management teams in developing a strong regulatory and governance framework within the Specialist Solutions environment.
- Proactively maintain and build relationships with internal and external stakeholders including regulators, clients and industry bodies.
- Report to all stakeholders on regulatory and governance adherence and sustainability.
- Creating awareness of regulatory and governance requirements and fostering a culture of regulatory adherence and good governance within in the businesses in the Specialist Solutions environment which is aligned with the Santam Compliance and Risk Management Control Function.
- Keeping up to date with regulatory and governance developments in the financial services industry with particular emphasis on changes affecting the Specialist Solutions business environment.
Qualification and Experience
- Degree in Law
- Post graduate qualification or similar qualification in compliance management and or law (LLB or equivalent) is required.
- Post-qualification legal experience in compliance or risk management corporate governance will be an added advantage.
- Knowledge and experience in regulatory compliance in financial services is required (Financial Advisory & Intermediary Act, Short Insurance Act, PPR, Regulations, Insurance Act, Prudential Standards, POPI Act etc.).
- At least 5 years relevant compliance related experience in the financial services industry, preferably short-term insurance industry
Skills
- Ability to conduct research into regulatory requirements and issues
- Ability to draft reports and deliver on regulatory and outsourcing reviews
- Broad knowledge of the legislation affecting the financial services industry, in particular the short-term insurance industry
- Good written and verbal communication skills
Core Competencies
- Cultivates innovation - Contributing through others
- Customer focus - Contributing through others
- Drives results - Contributing through others
- Collaborates - Contributing through others
- Being resilient - Contributing through others
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What will make you successful in this role?
Support Services:
- Drive the implementation of controls to enhance the overall regulatory environment within the specialist businesses and provide ongoing support;
- Assist in preparation of reports for management and keep stakeholders informed of the level of compliance being achieved. i.e. Regulatory Risk Report; Conduct of Business (CoB) Reports;
- Assist with identifying and resolving of regulatory incidents and issues and ensuring the business implements the appropriate process or procedures;
- Support the Regulatory Specialists in their performance of assurance activities and roll-out of Group projects as part of the oversight and management function of the Specialist Regulatory team;
- Supporting the change process to ensure businesses are able to evidence adherence to regulatory requirements through awareness training, project management and effective implementation strategies.
Assurance Activities and Reviews:
- Support the Regulatory Specialists in their undertaking of assurance activities and reviews which serve to evaluate that business is conducted in adherence to regulatory requirements;
- Assist the Regulatory Specialists with reviews of binder and outsource agreements in order to evaluate whether the functions and/or services are performed in compliance with the binder and/or outsource agreement;
- Prepare regulatory reports for management highlighting key findings to address the potential risk of non-adherence.
Training:
- Assist with training of management and staff within Specialist Business to enhance the regulatory risk management culture within the businesses;
- Identify key training needs and arrange for a training intervention.
Stakeholder Management:
- Maintain and develop effective relationships with key internal stakeholders;
- Demonstrate leadership in Specialist Business and the greater Santam;
- Remain informed of current developments in regulation and identify the areas of impact on the businesses;
- Lead the businesses on a journey to improve the overall regulatory risk and governance environment.
Qualification and Experience
- Graduate qualification or similar qualification in business administration or management
- Advance course in Excel, Word, PowerPoint
- Minimum 3 years in the Non-Life Insurance Industry
- At least 1 year’s relevant compliance-related experience in the financial services industry, preferably short-term insurance industry
- Compliance related qualification will be an added advantage
Knowledge and Skills
- Strong attention to deal
- Problem solver
- Analytical skills
- Ability to work under pressure
- Ability to meet strict deadlines and time management to effectively support the specialist businesses
- Ability to use new technology being introduced and adapt to changes in processes.
- Strong interpersonal, administration, facilitation and verbal and written communication skills
- Ability to work appropriately with sensitive and confidential information
- Ability to manage projects and provide regular feedback to stakeholders
- Demonstrate passion and commitment for excellence
- MS office proficient
- Approachable and customer/ service-orientated
Core Competencies
- Cultivates innovation - Contributing independently
- Customer focus - Contributing independently
- Drives results - Contributing independently
- Collaborates - Contributing independently
- Being resilient - Contributing independently
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What will you do?
Under close supervision, assists with the raising, purchasing, selling and utilisation of funds which could include shares, securities, bonds, foreign exchange, money and capital market instruments, bonds and derivatives. May assist with cash management and foreign exchange exposure management. Maintains appropriate portfolio records databases and assists in the preparation of departmental reports. May be involved in building relationships with brokers.
What will make you successful in this role?
Roles and responsibilities
- You will be responsible day to day dealing activities in the money market instruments.
- Act as the liaison between portfolio managers and the marketplace and provide feedback concerning market developments and timing of the transactions.
- Inform the fund managers of the flows during the day.
- Liaise with other related areas within the company which will include the following, namely:
- Operations, regarding static data, trade queries, bookings and settlement issues.
- Business support: to ensure that instrument data integrity, including accurate pricing and correct static data, is maintained.
- Compliance and any other areas as needed.
- Assist other members of the Fixed Income team with data collection and model maintenance.
- Ensure that all money market trades are timeously executed, and reasons provided for any delays in trades being executed.
- Allocate completed orders to each portfolio for which trade was undertaken whilst taking into account the minimum ticket and incremental lot size as stipulated for each individual bond issue.
- Record trades as soon as possible after execution and provide reasons where this has not occurred.
Qualification and Experience
- BSc (Maths, Statistics, Actuarial Science) with 1 to 2 years related experience.
- BSc (Maths, Statistics, Actuarial Science) with 1 to 2 years related experience.
Knowledge and Skills
- Cash Management
- Foreign Exchange
- Portfolio fund administration
- Reporting and Administration
- Quality Assurance and compliance
Personal Attributes
- Interpersonal savvy - Contributing independently
- Decision quality - Contributing independently
- Action orientated - Contributing independently
- Optimises work processes - Contributing independently
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What will you do?
This is an administrative support position that reports directly to an Operations Manager in the region. The SSA role is there to render sales support and administration to Sanlam intermediaries and regional sales management.
- Provide sales and administration support to intermediaries, including quotations
- Assist sales and administration support to intermediaries, including quotations
- Assist the intermediaries with the relevant product information
- Process and monitor new business submitted
- Monitor and report on relevant sales information to intermediaries/management
- Support initiatives to increase the take up of technology with intermediaries
- Providing limited after sales service
What will make you successful in this role?
Qualifications and Experience:
- Grade 12 or equivalent qualification
- A relevant tertiary qualification would be advantageous
Knowledge and Skills:
- A minimum of 2 years relevant administrative experience within the financial services industry is preferred
- Prior experience within a Broker or Advisor Services environment is preferred
- Insurance product experience and knowledge of relevant quotation processes and systems is preferred
Personal Qualities:
- Cultivates Innovation
- Client Centricity
- Drives Results
- Collaborates
- Flexibility and Adaptability
- Plans and Aligns
- Communicates Effectively
- Action Oriented
- Optimizes Work Processes
- Treating Customers Fairly
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What will you do?
Under general supervision responsible for a combination of sales and customer service, both pro-active and re-active. Duties include cross-selling to clients as well as nurturing the client relationship. A knowledge/background of credit, finance would be advantageous in the job. Good interpersonal skills are essential for the success of this position.
What will make you successful in this role?
Job purpose
- To provide a high quality of complaints resolution and written communication to clients in line with Glacier standards and legislation such as the Treating Customers Fairly (TCF) legislation.
Key outcomes
The following outcomes will be expected to be achieved by the Client Relations Consultant:
- Complaints resolution to meet client’s needs and problems in line with TCF outcomes
- Written/telephonic correspondence about technical product, work processes and procedures to clients/intermediaries (letters, faxes, e-mails)
- Ensure that all communication mediums contain comprehensive first time solutions to client complaints and queries
- Application and understanding of relevant legislation such as the application of plain language and TCF principles
- Gather, analyse, investigate and interpret all information received by various stakeholders before a solution is presented
- Do independent & thorough root cause investigations
- Determine systemic issues & the impact on other clients
- Ensure that systemic issues are taken up with the responsible stakeholders
- Challenge feedback from stakeholders, business rules and processes in order to develop a creative solution
- Consult with role players such as the internal and external adjudicators on specific client complaints
- Compile a report on a monthly/quarterly basis for client & intermediary complaints received
Qualifications and experience
- Matric / Grade 12
- The relevant financial/communications or legal qualification or
- At least 3 years’ experience in an investment environment where written complaints and technical enquiries were handled
Competencies
- Client focus
- Cultivates innovation
- Collaborates
- Being resilient
- Drive results
- Analytical skills (Critical thinking, problem solving, research)
- Exceptional communication skills, written and verbal, in English and Afrikaans
- Planning, prioritising and organisational
- Knowledge & application of economic principles/investment products and legislation such as TCF
- Negotiation/influencing skills
Attributes
- Assertive
- Honesty, integrity and respect
- Teamwork
- Can-do attitude
- Performance driven
Qualification and Experience
- Grade 12 with 3 to 4 years related experience.
Knowledge and Skills
- Financial advice and support
- Assist with production target achievement
- Compliance
- Partnership and network building
- Personal Attributes
- Business insight - Contributing independently
- Communicates effectively - Contributing independently
- Action orientated - Contributing independently
- Plans and aligns - Contributing independently
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What will you do?
Business Analysis
- Facilitate and participate in discovery/inception workshops to create a shared understanding of user needs and the potential technology solution required to deliver to these needs.
- Work with the PM to facilitate for the business case documentation.
- Update and co owns the stakeholder matrix with the Project Manager.
- Identify user journeys which map out how a user will go through the system.
- Work ahead of the team to get clarity on some (not all) requirements before the next iteration.
- Create relevant user stories
- Collaborate with cross-functional teams comprised of product management, User Experience (UX), technology, support, testing and other subject matter experts to gather and analyse functional needs and user story requirements.
- Groom user stories through business interviews, workshops or procedures and map user stories ensuring they come together as a cohesive whole.
- Provide the Product Owner with key information for prioritisation and estimation.
- Facilitate and participate in iteration meetings (product backlog grooming, planning meeting, daily stand up, review meeting and retrospective).
- Obtain sign off during iteration review sessions.
- Manage the stories (in JIRA), ensuring that all requirements are loaded as stories, ensuring the stories are assigned to epics.
- Support showcasing stories to stakeholders.
- Work very closely with user experience team to ensure that processes, wireframes and content are optimally intuitive to end-users.
- Assess requests for new features and enhancements to systems
- Investigate system bugs and identify possible solutions to eliminate reoccurrence and identify fixes required
- Ensure requirements are logged on Jira with collaboration from the product owner and business specialist
- Assess and prioritise logs for development with collaboration from product owner
- Give input to the Test strategy and test cases
- Sign off on the test cases
- Conduct a requirements traceability matrix
Systems Analysis
- Meet and coordinate with internal and external stakeholders to establish project scope, system goals, and requirements
- Develop, analyze, prioritize, and organize requirement specifications, data mapping, diagrams, and flowcharts for developers and testers to follow
- Translate highly technical specifications into clear non-technical requirements
- Define and coordinate the execution of testing procedures, and develop test cases to serve the overall quality assurance process
- Provide documentation of all processes
- Develop and implement maintenance procedures, monitor systems health, gather system statistics, and troubleshoot reported errors and alarms
- Perform design, implementation, and upgrades of information systems to meet the business and user needs
- Implement best practices for scalability, supportability, ease of maintenance, and system performance
- Conducts research on possible solutions and makes recommendations based on findings; develops proposals that outline feasibility and costs; suggests, designs, tests, implements, and evaluates solutions.
- What will make you successful in this role?
Qualification & experience
- Degree - IT and Computer Sciences
- Post Graduate Diploma - IT and Computer Sciences
- Lean Six Sigma Yellow Belt
- Knowledge of Agile methodology
- 5- 10 Years - Systems Analysis
- 5- 10 Years Business Analysis
- UX and UI experience would be an Advantage
Knowledge and skills
- Proven ability to assess business needs and translate them into relevant solution
- Knowledge of: Agile methodology and design principles
- Computer literacy – MS Office – Visio and MS Project (Access and SQL will be added adv)
- Knowledge and experience in SDLC
- Experience in documenting, testing, training, and implementing new applications and systems
- MS Visio, Access and SQL will be advantageous
- Knowledge of in-house systems (FAFA en Cup) will be advantageous
- Knowledge of wide variety of programming languages
- Well-developed verbal and written communication skills
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What will you do?
Provide secretarial support to the Regional Support Manager and Regional Marketing Manager in terms of the following:
- Travel arrangements
- Organising and preparation of meetings, functions, presentations and conferences
- Diary management
- Mail and information management
- Client liaison
- Time and priority management
- Office and telephone administration
- Administration support to advisers
- Collate, analyse and interpret data sheets
- Key Account & Marketing Administrative support
What will make you successful in this role?
Qualification and Experience
- Grade 12 (matric) or equivalent qualification
- Secretarial experience and computer literacy with an ability to execute tasks virtually as well.
- Previous experience in a marketing environment with knowledge of S.net and the MS-Office package will serve as an advantage
- Previous experience in Sanlam Financial Advisers will serve as an advantage
Personal Qualities
- Communication & Literacy
- Assertiveness
- Adaptability/flexible
- Concern for accuracy and attention to detail and order
- Technical knowledge & skills
- Treating customers fairly (TCF)
- Stress tolerance
- Problem-solving
- Decision-making
- Managing work
- Organization/Time Management
- Detailed orientated
Method of Application
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