City National BankNewBusiness Controls Lead City National BankBusiness Controls LeadNewark, DERemote$77,000–$143,000 / yearProvides risk management expertise while working with operations managers and other 2nd line risk partners (to include Operational and Enterprise Risk Management teams, Regulatory Compliance, Business Continuity, IT Risk, Third Party Risk, Corp. Build, cooordinate, and lead monthly risk working groups to show thematic trends, themes, testing and audit updates, and business needs regarding risk program maturity in conjunction with key objectives.
City National BankNewBusiness Controls Manager City National BankBusiness Controls ManagerWilmington, DERemote$99,000–$176,000 / yearBUSINESS CONTROLS MANAGERWHAT IS THE OPPORTUNITY?This position will work directly with the City National Bank's ("CNB") and Business Control Officer ("BCO") and Senior Business Control Manager for Consumer Banking and Lending Operations and will partner with the Risk Framework leadership team. Contribute to the development of a robust risk culture, risk conduct, and risk literacy within the first line of defense, including design and implementation of preventive and detective controls relating to Consumer Banking and Lending Operations activities.
City National BankNewCompliance Specialist Senior Wealth Management City National BankCompliance Specialist Senior Wealth ManagementNew York, NYRemote$85,000–$145,000 / yearFunctions as an internal consultant to colleagues throughout City National Bank (CNB) related to operational compliance issues and concerns, utilizing their internal and external organizational agility to ascertain and deliver sound interpretation and advice. Benefits and PerksAt City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date.
City National BankNewLead Fiduciary Compliance Specialist City National BankLead Fiduciary Compliance SpecialistNewark, DERemote$120,000–$200,000 / yearBenefits and PerksAt City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date. In addition, the role serves as a liaison between compliance and business teams to identify process improvements, drive consistency in execution, and support business initiatives within a controlled and compliant environment.
City National BankNewBusiness Controls Lead City National BankBusiness Controls LeadPhoenix, AZRemote$77,000–$143,000 / yearProvides risk management expertise while working with operations managers and other 2nd line risk partners (to include Operational and Enterprise Risk Management teams, Regulatory Compliance, Business Continuity, IT Risk, Third Party Risk, Corp. Build, cooordinate, and lead monthly risk working groups to show thematic trends, themes, testing and audit updates, and business needs regarding risk program maturity in conjunction with key objectives.
City National BankNewBusiness Controls Lead - Finance City National BankBusiness Controls Lead - FinanceWilmington, DERemote$77,000–$143,000 / yearProvides risk management expertise while working with operations managers and other 2nd line risk partners (to include Operational and Enterprise Risk Management teams, Regulatory Compliance, Business Continuity, IT Risk, Third Party Risk, Corp. Build, cooordinate, and lead monthly risk working groups to show thematic trends, themes, testing and audit updates, and business needs regarding risk program maturity in conjunction with key objectives.
City National BankNewDeputy Chief Audit Executive of City National City National BankDeputy Chief Audit Executive of City NationalLos Angeles, CARemote$187,000–$308,000 / yearEnsuring the audit plan utilizes a risk-based cycle approach aligned with the RBC/CNB Risk Pyramid, CNB and RBC (as applicable) Coverage Strategies and is adjusted as required to address changes in CNB activities/risk profile, emerging risks, external environment changes or to conduct special reviews of significant events based on risk and financial importance as well as considers the input of the CNB Audit Committee and CNB senior management. Talent Management: Drive a strong focus on talent management to ensure key successors are in place for all critical positions; providing candid leadership coaching, mentoring; and assess and build team capabilities to enhance audit and technical expertise and leadership as well as enable trusted advisor relationships (ie business centric, forward thinking, insightful driven).
City National BankNewDirector of Audit- Finance City National BankDirector of Audit- FinanceLos Angeles, CARemote$154,000–$253,000 / yearResponsible for various internal audit assurance activities for core Finance auditable entities including Treasury, Accounting & Tax, Financial & Regulatory Reporting, Corporate Development & Strategy, Financial Performance Management, Corporate Real Estate, Procurement, and Data, Client & Business Intelligence. Director of Audit for Finance will manage a team of Financial and IT audit professionals in overseeing audits in compliance with key regulations such as FDICIA (FDIC Improvement Act), SOX (Sarbanes-Oxley Act), and CCAR (Comprehensive Capital Analysis and Review).
City National BankNewCredit Risk Portfolio Officer Senior City National BankCredit Risk Portfolio Officer SeniorNew York, NYRemote$90,000–$160,000 / yearCREDIT RISK PORTFOLIO OFFICER SENIOR - Residential & Consumer / Small Business WHAT IS THE OPPORTUNITY?Responsible for portfolio risk monitoring, identification and mitigation strategies for commercial and/or retail portfolios. Utilize sensitivity analysis, stress testing, market trend, and other analytical methodologies to anticipate any credit trends or deterioration and obtain insights into portfolio performance and market opportunities.
City National BankNewBusiness Controls Lead - Finance City National BankBusiness Controls Lead - FinanceCharlotte, NCRemote$77,000–$143,000 / yearProvides risk management expertise while working with operations managers and other 2nd line risk partners (to include Operational and Enterprise Risk Management teams, Regulatory Compliance, Business Continuity, IT Risk, Third Party Risk, Corp. Build, cooordinate, and lead monthly risk working groups to show thematic trends, themes, testing and audit updates, and business needs regarding risk program maturity in conjunction with key objectives.
City National BankNewLead Fiduciary Compliance Specialist City National BankLead Fiduciary Compliance SpecialistNew York, NYRemote$120,000–$200,000 / yearBenefits and PerksAt City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date. In addition, the role serves as a liaison between compliance and business teams to identify process improvements, drive consistency in execution, and support business initiatives within a controlled and compliant environment.
City National BankNewResearch/Investment Management City National BankResearch/Investment ManagementNew York, NYRemote$92,114–$156,880 / yearRESEARCH/INVESTMENT MANAGEMENTWHAT IS THE OPPORTUNITY?This position will work directly with RBC Rochdale's First Line of Defense to support and assist in identifying, monitoring and mitigating operational and regulatory risks within Research / Investment Management. Build and sustain effective relationships and alliances both internally and across all lines of business and staff areas to help deliver results and to ensure opportunities are identified, analyzed, and managed appropriately.
City National BankNewHead of Wealth Management Compliance City National Bank City National BankHead of Wealth Management Compliance City National BankNew York, NYRemote$200,000–$340,000 / yearAdvanced knowledge of the Investment Advisers Act of 1940, the Investment Company Act of 1940, the Securities Act of 1933, and Securities Exchange Act of 1934 is required, with knowledge of bank non-deposit investment product requirements, OCC Regulation 9, and ERISA regulations. Advance compliance programs that focus on regulatory requirements across applicable regulatory regimes, including: the Investment Advisers Act of 1940, the Investment Company Act of 1940, the Securities Act of 1933, Securities Exchange Act of 1934, and OCC Regulation 9.
City National BankNewBusiness Controls Lead City National BankBusiness Controls LeadLos Angeles, CARemote$99,000–$176,000 / yearProvides risk management expertise while working with operations managers and other 2nd line risk partners (to include Operational and Enterprise Risk Management teams, Regulatory Compliance, Business Continuity, IT Risk, Third Party Risk, Corp. Build, cooordinate, and lead monthly risk working groups to show thematic trends, themes, testing and audit updates, and business needs regarding risk program maturity in conjunction with key objectives.
City National BankNewBusiness Controls Manager City National BankBusiness Controls ManagerPhoenix, AZRemote$99,000–$176,000 / yearBUSINESS CONTROLS MANAGERWHAT IS THE OPPORTUNITY?This position will work directly with the City National Bank's ("CNB") and Business Control Officer ("BCO") and Senior Business Control Manager for Consumer Banking and Lending Operations and will partner with the Risk Framework leadership team. Contribute to the development of a robust risk culture, risk conduct, and risk literacy within the first line of defense, including design and implementation of preventive and detective controls relating to Consumer Banking and Lending Operations activities.
City National BankNewSenior Credit Risk Review Officer City National BankSenior Credit Risk Review OfficerJersey City, NJRemote$99,000–$176,000 / yearCRR also serves as an internal advisor to lending units and credit administration / risk management to identify, recommend and effect process changes regarding credit risk management activities, regulatory issues related to credit risk, credit policy, and general credit underwriting guidelines; identifies current or potential problems regarding the assessment of credit risk and the administration of Bank credit/loan exposure; analyzes and monitors the quality of various retail and commercial credits that represent the wide range of credit products offered by the Bank. Performs risk based independent reviews of all types of CNB loan portfolios (including quality assurance document and underwriting reviews) to identify current or potential problems, as well as positive elements, regarding the assessment of credit risk and the administration of Bank credit/loan exposure.
City National BankNewCompliance Officer Senior-Mortgage Origination City National BankCompliance Officer Senior-Mortgage OriginationNew York, NYRemote$90,000–$160,000 / yearSenior Consumer Compliance Officer is responsible for managing and maintaining assigned areas of the compliance program covering mortgage origination including monitoring business area compliance with applicable laws and regulations, ensuring controls are in place to mitigate compliance risk. This role is responsible for oversight of periodic analysis of the mortgage portfolios, assisting business areas to implement corrective actions or procedural changes, and applying a risk-based approach.
City National BankNewCompliance Officer Senior-Mortgage Origination City National BankCompliance Officer Senior-Mortgage OriginationDallas, TXRemote$90,000–$160,000 / yearSenior Consumer Compliance Officer is responsible for managing and maintaining assigned areas of the compliance program covering mortgage origination including monitoring business area compliance with applicable laws and regulations, ensuring controls are in place to mitigate compliance risk. This role is responsible for oversight of periodic analysis of the mortgage portfolios, assisting business areas to implement corrective actions or procedural changes, and applying a risk-based approach.
City National BankNewAI & Automation Manager City National BankAI & Automation ManagerCharlotte, NCRemote$100,000–$170,000 / yearThe ideal candidate is personally experimenting with the latest AI technologies, deeply engaged with industry-leading research, and excited to demonstrate how AI-native approaches can drive efficiency and transformation across a conservative institution. This role combines hands-on technical expertise with executive-level strategic thinking, threading the needle between cutting-edge AI possibilities and practical implementation in a regulated financial services environment.
City National BankNewLead AI Enablement Analyst City National BankLead AI Enablement AnalystLos Angeles, CARemote$80,000–$140,000 / yearLead AI Enablement Analyst will serve as an operationally-focused right hand to the AI & Automation Manager, driving day-to-day execution of enterprise AI and automation initiatives while maintaining visibility with senior leadership. Benefits and PerksAt City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date.
City National BankNewAI & Automation Manager City National BankAI & Automation ManagerLos Angeles, CARemote$100,000–$170,000 / yearThe ideal candidate is personally experimenting with the latest AI technologies, deeply engaged with industry-leading research, and excited to demonstrate how AI-native approaches can drive efficiency and transformation across a conservative institution. This role combines hands-on technical expertise with executive-level strategic thinking, threading the needle between cutting-edge AI possibilities and practical implementation in a regulated financial services environment.
Tri City National BankVice President - Senior Credit Analyst Tri City National BankVice President - Senior Credit AnalystOak Creek, WisconsinResponsibilities: Working collaboratively with TCNB commercial loan officers, collect data from existing and potential borrowers, determine appropriate loan structures and highlight appropriate questions and additional information that the bank may seek before considering approval. The Senior Credit Analyst’s primary responsibilities include analyzing the financial information of persons or companies to determine creditworthiness and performing ongoing monitoring of borrowers to assess the risk of default and make informed lending decisions.
Tri City National BankBank Teller - St. Francis (Full-Time) Tri City National BankBank Teller - St. Francis (Full-Time)St. Francis, Wisconsin$18–$22 / hourTri City National Bank is not just a bank; it's your community banking partner, deeply committed to prioritizing customers, building strong relationships, and fostering a sense of belonging. As a teller, you will represent our bank, providing exceptional customer service and handling day-to-day transactions while gaining experience in the banking industry.
Tri City National BankBank Teller - Waukesha (Full-Time) Tri City National BankBank Teller - Waukesha (Full-Time)Waukesha, Wisconsin$18–$22 / hourTri City National Bank is not just a bank; it's your community banking partner, deeply committed to prioritizing customers, building strong relationships, and fostering a sense of belonging. As a teller, you will represent our bank, providing exceptional customer service and handling day-to-day transactions while gaining experience in the banking industry.
Tri City National BankRelationship Banker III - Brown Deer Tri City National BankRelationship Banker III - Brown DeerBrown Deer, Wisconsin$25–$33 / hourTri City National Bank is not just a bank; it's your community banking partner, deeply committed to prioritizing customers, building strong relationships, and fostering a sense of belonging. We believe in unparalleled customer service and the right banking solutions to help fulfill financial dreams and contribute to community growth.
Tri City National BankBranch Manager - Menomonee Falls Tri City National BankBranch Manager - Menomonee FallsMenomonee Falls, WisconsinTri City National Bank is not just a bank; it's your community banking partner, deeply committed to prioritizing customers, building strong relationships, and fostering a sense of belonging. As a Branch Manager, you’ll lead your team in delivering exceptional customer experiences, identifying financial goals, and offering the right Tri City products to meet their needs.
Tri City National BankAssistant Retail Manager - Oak Creek (In-Store) Tri City National BankAssistant Retail Manager - Oak Creek (In-Store)Oak Creek, Wisconsin$25–$33 / hourTri City National Bank is not just a bank; it's your community banking partner, deeply committed to prioritizing customers, building strong relationships, and fostering a sense of belonging. We believe in unparalleled customer service and the right banking solutions to help fulfill financial dreams and contribute to community growth.
Tri City National BankFinancial Analyst - Oak Creek Tri City National BankFinancial Analyst - Oak CreekOak Creek, WisconsinThe Financial Analyst reports to the Vice President – Director of Financial Planning and Analysis (FP&A) and will work with various departments across the Bank to provide meaning financial insights that support decision making and organizational performance. Most importantly, we believe superior customer service paired with the right banking solutions help our customers and businesses fulfill their financial dreams, and our communities grow.
City National Bank of FloridaAsset Based Lending Analyst Senior City National Bank of FloridaAsset Based Lending Analyst SeniorMiami, FLPrincipal Duties & Responsibilities: • Reviews and analyzes BBC and supporting documentation for accuracy and completeness; • Updates collateral information on collateral monitoring system and CNB Loan system; • Reconciles collateral, loan and unapplied cash and excess availability between the collateral monitoring system, CNB Loan system and BBC; • Independently identifies and resolves outstanding items. • Independently monitors, analysis and concludes ongoing portfolio risk exposure by identifying in own judgment and escalating suspicious/inconsistent activities, reporting exceptions, material variance, overdraft, over-formula issues and other matters of importance to the Bank.
City National Bank of FloridaLoan Processor City National Bank of FloridaLoan ProcessorCoral Gables, FLIf loan is documented by outside counsel, reviews draft loan documents prior to closing, determines that the closing statement reflects the appropriate use of loan funds and that the appropriate bank fees, escrows, costs, etc., are collected at closing. Processes revolving line of credit advances and paydowns based on pre-approved loan documentation and/or advance request and corresponding general ledger account entries related to loan closings.
City National Bank of FloridaBanking Center Support Specialist City National Bank of FloridaBanking Center Support SpecialistOrlando, FLServices all client account needs, including teller work as needed: accepts deposits, cashes checks within limits as specified by bank policy, processes withdrawals, sell travelers checks, and cashier checks. Qualified individuals with disabilities who require a reasonable accommodation in order to complete the online application or participate in the hiring process may contact our Human Resources Talent Attraction Department talent.attraction@citynational.com.
City National Bank of FloridaSmall Business Banker City National Bank of FloridaSmall Business BankerWinter Park, FLQualified individuals with disabilities who require a reasonable accommodation in order to complete the online application or participate in the hiring process may contact our Human Resources Talent Attraction Department talent.attraction@citynational.com. In this role, you'll provide strategic financial solutions, deliver exceptional client service, and drive growth through deposits, loans, and treasury services.
City National Bank of FloridaCulture Experience Coordinator City National Bank of FloridaCulture Experience CoordinatorCoral Gables, FLDevelop and maintain organizational communications such as social media postings, corporate communications,and reports to ensure potential hires, employees and leaders are well informed of company activities, value proposition, ways of working. Qualified individuals with disabilities who require a reasonable accommodation in order to complete the online application or participate in the hiring process may contact our Human Resources Talent Attraction Department talent.attraction@citynational.com.
City National Bank of FloridaUniversal Banker Doral Banking Center City National Bank of FloridaUniversal Banker Doral Banking CenterDoral, FLClient Services duties include and not limited to helping in the lobby to ensure clients are being attended to at all time; when not servicing clients in the teller line, the Universal Banker is required to assist clients in the lobby and refers clients to appropriate bank personnel in order to meet their financial needs. Identifies client's profiles and their respective needs, asks need revealing questions, identifies client CUES, makes appropriate benefit statements, handles objections, closes the referral to the appropriate business partner, ensures client retention and client service satisfaction.
City National Bank of FloridaWholesale Portfolio Risk Officer Senior City National Bank of FloridaWholesale Portfolio Risk Officer SeniorMiami, FLWhat You''ll Do: Primary duties and responsibilities include Commercial & Industrial and Commercial Real Estate underwriting of new loans to render sound lending decision, while maintaining quality control of new loans, which is essential to the sound business operations of the bank. Qualified individuals with disabilities who require a reasonable accommodation in order to complete the online application or participate in the hiring process may contact our Human Resources Talent Attraction Department talent.attraction@citynational.com.
City National Bank of FloridaUniversal Banker London Square Banking Center City National Bank of FloridaUniversal Banker London Square Banking CenterMiami, FLClient Services duties include and not limited to helping in the lobby to ensure clients are being attended to at all time; when not servicing clients in the teller line, the Universal Banker is required to assist clients in the lobby and refers clients to appropriate bank personnel in order to meet their financial needs. Identifies client's profiles and their respective needs, asks need revealing questions, identifies client CUES, makes appropriate benefit statements, handles objections, closes the referral to the appropriate business partner, ensures client retention and client service satisfaction.
City National Bank of FloridaBanking Business Analyst City National Bank of FloridaBanking Business AnalystMiami, FLThis role translates strategic priorities into structured initiatives, tracks progress against defined metrics, and facilitates communication between business units and support functions including Risk, Compliance, Operations, Technology, and Finance. The LOB Business Advisor plays a key role in executing sales strategies, monitoring operational activities, and coordinating efforts across all Production Lines of Business (LOBs).
City National Bank of FloridaWealth Management Services Specialist Senior City National Bank of FloridaWealth Management Services Specialist SeniorMiami, FLThe role will be integral in the onboarding of new clients, coordination of cash /non-cash movements, ongoing maintenance of client accounts and providing support to Wealth Advisors and Trust Officers. Overview The Wealth Management Services Specialist Senior is responsible for enhancing the client experience by servicing clients and providing operational, administrative, and client service support within the Wealth Management Department.
City National Bank of FloridaNewLoan Processor II City National Bank of FloridaLoan Processor IICoral Gables, FLIf loan is documented by outside counsel, reviews draft loan documents prior to closing, determines that the closing statement reflects the appropriate use of loan funds and that the appropriate bank fees, escrows, costs, etc., are collected at closing. Processes revolving line of credit advances and paydowns based on pre-approved loan documentation and/or advance request and corresponding general ledger account entries related to loan closings.
City National Bank of FloridaNewTreasury Management Sales Officer City National Bank of FloridaTreasury Management Sales OfficerMiami, FLQualified individuals with disabilities who require a reasonable accommodation in order to complete the online application or participate in the hiring process may contact our Human Resources Talent Attraction Department talent.attraction@citynational.com. Conducts on-site sales and service meetings with complex Treasury Management clients for identification and integration of multiple services.
City National Bank of FloridaPrivate Banking Officer Senior City National Bank of FloridaPrivate Banking Officer SeniorFort Lauderdale, FLQualified individuals with disabilities who require a reasonable accommodation in order to complete the online application or participate in the hiring process may contact our Human Resources Talent Attraction Department at 305-577-7207 or by email at talent.attraction@citynational.com. Drive Results: Meet or exceed individual sales and retention goals by expanding loans, deposits, and cross-selling bank products like Treasury Management Services.
City National Bank of FloridaLOB Business Advisor City National Bank of FloridaLOB Business AdvisorMiami, FLThis role translates strategic priorities into structured initiatives, tracks progress against defined metrics, and facilitates communication between business units and support functions including Risk, Compliance, Operations, Technology, and Finance. The LOB Business Advisor plays a key role in executing sales strategies, monitoring operational activities, and coordinating efforts across all Production Lines of Business (LOBs).
City National Bank of FloridaAsset Recovery Officer Senior City National Bank of FloridaAsset Recovery Officer SeniorMiami, FLQualified individuals with disabilities who require a reasonable accommodation in order to complete the online application or participate in the hiring process may contact our Human Resources Talent Attraction Department at talent.attraction@citynational.com. The Asset Recovery Officer-Senior is responsible for the resolution of problem loans, management of litigation relating to collection matters, and management and disposition of OREO portfolio in order to minimize losses.
City National Bank of FloridaNewSmall Business Banker City National Bank of FloridaSmall Business BankerOrlando, FloridaQualified individuals with disabilities who require a reasonable accommodation in order to complete the online application or participate in the hiring process may contact our Human Resources Talent Attraction Department talent.attraction@citynational.com. In this role, you’ll provide strategic financial solutions, deliver exceptional client service, and drive growth through deposits, loans, and treasury services.
City National Bank of FloridaReal Estate Relationship Manager-Senior City National Bank of FloridaReal Estate Relationship Manager-SeniorMiami, FloridaIf the loan is an acceptable risk for the bank, negotiates the terms of the loan with the client based on the risk in the loan, current conditions in the financial markets, overall profitability of the loan and the current internal goals of the bank. Qualifications: More than 10 years of prior commercial real estate banking experience with thorough knowledge of conventional loan requirements and real estate law; capable of handling the most complex loans.
City National Bank of FloridaWealth Management Services Specialist Senior City National Bank of FloridaWealth Management Services Specialist SeniorCoral Gables, FloridaThe role will be integral in the onboarding of new clients, coordination of cash /non-cash movements, ongoing maintenance of client accounts and providing support to Wealth Advisors and Trust Officers. Overview: The Wealth Management Services Specialist Senior is responsible for enhancing the client experience by servicing clients and providing operational, administrative, and client service support within the Wealth Management Department.
City National Bank of FloridaNewTreasury Management Sales Officer City National Bank of FloridaTreasury Management Sales OfficerMiami, FloridaConducts on-site sales and service meetings with complex Treasury Management clients for identification and integration of multiple services. Resolves treasury management operational problems requiring identification of cause and implementation of corrective action with Treasury Management staff or other departments.
City National Bank of FloridaSmall Business Banker City National Bank of FloridaSmall Business BankerMiami, FloridaIn this role, you’ll provide strategic financial solutions, deliver exceptional client service, and drive growth through deposits, loans, and treasury services. We’re looking for a results-driven Small Business Banker to build lasting relationships with businesses generating up to $5 million in annual revenue.
City National Bank of FloridaBanking Center Support Specialist City National Bank of FloridaBanking Center Support SpecialistPalmetto Bay, FloridaStrong cash handling skills with experience reconciling transactions, performing teller functions, and using teller terminals or online banking systems in accordance with operational and compliance procedures. Overview: The Banking Center Support Specialist takes an active role in meeting the needs and expectations of clients by servicing, promoting, and cross-selling the Bank's products and services.
City National Bank of FloridaTrade Services Product Manager City National Bank of FloridaTrade Services Product ManagerMiami, FloridaFor the implementation and launch of new trade products or enhancements, the role collaborates closely with Operations and Technology, internal stakeholders, clients, partners, and vendors, leading product initiatives and supporting the design and implementation of a complete service framework to strengthen the bank's trade services offering. Ensure the governance, oversight, and continuous enhancement of all Trade Services solutions, processes, and procedures to maintain full compliance with internal risk policies, International Chamber of Commerce (ICC) rules (UCP 600, URC 522, URDG 758, ISP98), and applicable international regulations; exercise judgment in identifying, escalating, and addressing complex compliance or regulatory issues.