An account executive is a manager who has primary responsibility for a corporate account, whether it be for an individual or a corporate client.

3220. Influencing or Rewarding Employees of Others

Account Executive Salaries in United States

An account executive is an employee who has the primary day-to-day responsibility for an ongoing business relationship with a client. These skills include the following:
Sales skills in order to bring in new clients and pitch existing clients on new products and services
Project management skills to keep on top of the work being done for the client
People management skills to work with various departments internally as the need arises
Exceptional communication skills to maintain the client relationship In various industries, account executives might handle the cybersecurity hardware and software needs of a bank, the pharmaceutical needs of a hospital group, the wealth management needs of a private client, or the prime brokerage service requirements of a hedge fund. Compensation for the account executive is typically a base salary with a sales commission and bonuses for reaching or exceeding sales targets. An account executive is an employee who has the primary day-to-day responsibility for an ongoing business relationship with a client.

Account Executive

An account manager is an employee who is responsible for the daily management of a particular customer's account with the business. 

An account manager is an entry- to mid-level employee who is responsible for the day-to-day management of a particular customer's account within a business. Depending on the specific type of account and the nature of the client’s needs and concerns, the account manager may also serve as a liaison or go-between with other teams or staff members who may have some relation to or impact on the client’s account. An account manager is an entry- to mid-level employee who is responsible for the day-to-day management of a particular customer's account within a business. The specific duties, qualifications, and salary level of a particular account manager can vary widely, depending on the type of business and the clientele served by that firm. An account manager is the business representative with whom a client has the most one-on-one interaction within a company.

Account Manager

An accountant is a certified financial professional who performs functions such as audits or financial statement analysis according to prescribed methods.

The term accountant refers to a professional who performs accounting functions such as account analysis, auditing, or financial statement analysis. , the most common are Certified Internal Auditor, Certified Management Accountant, and Certified Public Accountant.
Many accountants choose to become CPAs because the designation is considered the gold standard in the accounting profession. But the most common accounting designations are the Certified Internal Auditor (CIA), Certified Management Accountant (CMA), and Certified Public Accountant (CPA). Accountants perform account analysis, review financial statements, documents, and other reports to ensure they are accurate, conduct routine and annual audits, review financial operations, prepare tax returns, advise on areas that require more efficiencies and cost-savings, and provide risk analysis and forecasting. Accountants may be held liable for paying uninsured losses to creditors and investors in the case of a misstatement, negligence, or fraud.
Accountants can be held liable under two different types of law—common law and statutory law.

Accountant

Accredited Asset Management Specialist (AAMS) is a professional designation awarded to financial professionals by the College for Financial Planning.

The Accredited Asset Management Specialist (AAMS®) is a professional designation awarded by the College for Financial Planning unto financial professionals who successfully complete a self-study program, pass an exam, and agree to comply with a code of ethics. The Accredited Asset Management Specialist (AAMS®) is a professional designation awarded by the College for Financial Planning unto financial professionals who successfully complete a self-study program, pass an exam, and agree to comply with a code of ethics. Individuals with the AAMS designation may work as financial advisors, registered investment advisors, registered representatives, client relationship managers, financial consultants, or investment advisors. To earn the AAMS®, financial professionals must successfully complete a rigorous self-study program, pass an exam, and agree to comply with a code of ethics. According to the College for Financial Planning (CFP®), some organizations recognize the AAMS® designation as representing 28 hours of continuing education credit.

Accredited Asset Management Specialist (AAMS)

An actuarial consultant is a professional who advises clients on investment, insurance, and pension-related decisions.

The term actuarial consultant refers to a financial professional who advises clients on investment, insurance, and pension\-related decisions using a variety of measurements. Actuarial consultants use these skills to dispense financial advice to their clients, manage risk, and help clients choose the proper insurance, pension, and investment plans to meet their specific goals. The term actuarial consultant refers to a financial professional who advises clients on investment, insurance, and pension\-related decisions using a variety of measurements. An actuarial consultant advises clients on investment, insurance, and pension-related decisions using a variety of measurements. The most familiar space is in the life and health insurance industries working in such areas as retirement benefits, health and wellness benefits, life insurance, and short- and long-term disability benefits.

Actuarial Consultant

An agent is a person who is empowered to act on behalf of another. Read about different agent types, such as real estate, insurance, and business agents.

Table of Contents
What Is an Agent?
Understanding an Agent
Types of Agents
Examples of Agents
Special Considerations
What Is an Enrolled Agent?
What Is a Registered Agent?
How Do You Become a Real Estate Agent?
How Do You Become an Insurance Agent? A real estate agent, securities agent, insurance agent, and travel agent are all special agents. A universal agent has wide authority to act on another's behalf, but a general agent or special agent has more limited and specific powers. To become a real estate agent, you need to obtain a real estate agent license. Practicing as an agent in a specific industry without the proper license or registration can lead to fines or being prohibited from acting as an agent in that industry in the future.

Agent

Always Be Closing (ABC) is retail jargon used to describe a sales strategy in which the salesperson should constantly look to complete the sale. It derives from the 1992 movie, "Glengarry Glen Ross."

2016 CSO Insights Sales Enablement Optimization Study

Always Be Closing (ABC) is a motivational phrase used to describe a sales strategy. As InvestementNews.com reports, research suggests that the ABC mentality is losing its effectiveness.﻿﻿ The average 21st-century customer comes armed with significantly more information than a consumer did in 1984, when the David Mamet story was a Pulitzer Prize-winning stage presentation, and even since 1992, when the film was released. The term has become a catchall example of a few of the pithy quotations that sales managers often use to motivate their sales staffs and to drive home the importance of being tenacious with prospects. Always Be Closing is a mantra used in the sales world meaning a seller must always be in the mindset of closing deals, using whatever tactics are necessary. Always Be Closing (ABC) is a motivational phrase used to describe a sales strategy.

Always Be Closing—ABC

An aptitude test is an exam or survey used to determine an individual's propensity to succeed in a given activity.

An aptitude test is an exam used to determine an individual's skill or propensity to succeed in a given activity. Along with intelligence tests and achievement tests that measure student mastery of academic content, aptitude tests may be used to determine placement in gifted and talented programs or other specific educational tracks. Situational judgment tests are a specific kind of career aptitude test that can help predict how an employee might respond to specific situations in the workplace. These tests, which are called career assessment tests, help human resources personnel learn more about a prospective employee's strengths and weaknesses. Schools use aptitude tests to determine if students are inclined toward advanced placement classes or certain areas of study, such as engineering or a foreign language.

Aptitude Test

Baptism by fire is a phrase originating from Europe that describes an employee who is learning something the hard way through a challenge or difficulty.

Maple Leaf Case Study: An Example of Crisis Management

"Baptism by fire" is a phrase commonly used to describe a person or employee who is learning something the hard way through a challenge or difficulty. In many cases, someone who starts a new job must undergo a baptism by fire, meaning they must immediately deal with one or more difficult situations. No one is immune to a baptism of fire, which means new and old employees, members of a company's management team, and others can experience one. Similarly, the chief executive officer (CEO) of a big company may suddenly face their own baptism by fire when a public relations (PR) crisis hits. The phrase baptism by fire can be used to describe any number of situations.

Baptism by Fire

The term "bookie" is short or slang for "bookmaker." A bookie is someone who facilitates gambling, most commonly on sporting events.

The term _bookie_ is short or slang for "bookmaker." With the expansion of sports betting in various states, bookies are likely to see increases in betting activity, while states are expected to generate additional revenues. The bookie's goal is to maintain balance in the books by adjusting the odds as much as possible so that there's an even amount of people betting on a win or loss. The bookie's goal is to maintain balance in the books by adjusting the odds as much as possible so that there's an even amount of people betting on a win or loss. Although the term bookie has been associated with illegal activity, with the expansion of sports betting, a bookmaker has become more legitimate.

Bookie

A branch manager is an executive who is in charge of the branch office of a bank or financial institution.

Table of Contents
What Is a Branch Manager? Understanding Branch Managers
Special Considerations
Requirements
Qualifications
Branch Manager FAQs
What Are the Qualifications Needed to Be a Branch Manager?
How Much Does a Branch Manager Make?
The term branch manager refers to an executive who is in charge of a particular location or branch office of a bank or other financial services company. Branch managers are typically responsible for all of the functions of that branch office, including hiring employees, overseeing the approval of loans and lines of credit (LOCs), marketing, building a rapport with the community to attract business, assisting with customer relations, and ensuring that the branch meets its goals and objectives in a timely manner. A branch manager's job description includes assuming responsibility for virtually all functions of their branch, including growing that location's customer base and elevating the community's perception of the company's brand. A branch manager is an employee who oversees the operations of a branch of a bank or financial institution.

Branch Manager

A certified anti-money laundering specialist (CAMS) works to spot attempts to obscure the origins of the proceeds of crime.

USA PATRIOT Act of 2001, Title III, Subtitle B, Bank Secrecy Amendments and Related Improvements

Table of Contents
Expand Their work is often structured as compliance with the Bank Secrecy Act, a 1970 law that requires financial institutions to cooperate in the fight against money-laundering. Money-laundering was a solution to a simple problem: How does a criminal who has no obvious means of support explain a big wad of cash and a luxurious lifestyle?
Drug dealers and terrorists are among the main targets of money-laundering investigations. An anti-money laundering specialist may have a different job title, such as banking compliance officer, financial consultant, or Bank Secrecy Act analyst. The response of financial institutions and corporations to the problem of money-laundering often is structured as compliance with the Bank Secrecy Act of 1970.

Certified Anti-Money Laundering Specialist (CAMS)

The Canadian Institute of Actuaries, or CIA, is a professional organization for actuaries in Canada.

The Canadian Institute of Actuaries (CIA) is an organization of professional actuaries in Canada. The institute also issues the Fellow of the Canadian Institute of Actuaries (FCIA) designation to actuaries, which is a requirement under Canadian law for all practicing actuaries. The institute also issues the Fellow of the Canadian Institute of Actuaries (FCIA) designation to actuaries, which is a requirement under Canadian law for all practicing actuaries. The Canadian Institute of Actuaries (CIA) is an organization of professional actuaries in Canada. The Canadian Institute of Actuaries (CIA) is an organization of professional actuaries in Canada.

Canadian Institute of Actuaries (CIA)

A Certified Bank Auditor is an accounting specialist responsible for reviewing and evaluating a financial institution’s records to ensure accuracy.

A Certified Bank Auditor (CBA) is an accounting specialist responsible for reviewing and evaluating a financial institution’s records to ensure accuracy, completeness, and compliance. Once the proper degrees are obtained and CBAs look for work, graduates generally enter the workplace as entry-level and work under a supervisor until a specified time or until they show the ability to work independently. Certified Bank Auditors (CBAs) ensure that banks follow proper in-house procedures and regulations as well as comply with state and federal finance laws. Applicants are tested on accounting, auditing principles, bank laws and regulations, and general business principles. A Certified Bank Auditor (CBA) is an accounting specialist responsible for reviewing and evaluating a financial institution’s records to ensure accuracy, completeness, and compliance.

Certified Bank Auditor (CBA)

A certified treasury professional is a designation awarded to individuals who are experienced in cash management.

The exam is divided into five categories:
Treasury operations and controls: 21 to 24 questions
Working capital management: 32 to 35 questions
Cash and liquidity management: 37 to 42 questions
Capital markets and funding: 22 to 24 questions
Corporate treasury function: 30 to 35 questions
AFP members pay a fee of $875 for the exam if they register early. The term certified treasury professional (CTP) refers to a financial designation awarded to individuals experienced in cash management and who pass an exam demonstrating their expertise by the Association for Financial Professionals (AFP). As mentioned above, the certified treasury professional (CTP) designation is given to financial professionals who meet certain criteria by the Association for Financial Professionals. In order to keep the CTP designation, individuals must complete 36 hours of continuing education called recertification credits and pay a fee to continue using the designation.

Certified Treasury Professional (CTP)

Certified Credit Executive (CCE) is a professional designation issued by the National Association of Credit Management (NACM).

Certified Credit Executive (CCE) Exam Study Guide

The NACM does not provide a practice exam; however, it does recommend that applicants review the following publications in preparation:
“Credit Management: Principles and Practices” fourth edition, by Dr. Charles Gahala, CCE
“Understanding Financial Statements” by Lyn M Fraser
“Manual of Credit and Commercial Laws” by the National Association of Credit Management
“Antitrust, Restraint of Trade, and Unfair Competition: Myth vs. Reality” by Wanda Borges
The first step is to file the Education Department Registration form, for a cost of $174 for NACM members and $350 for non-NACM members. Because the Certified Credit Executive (CCE) certification is at an executive level, the types of job functions that a CCE would have would be evaluating and approving higher levels of credit for larger amounts of money. Both parts of the exam evaluate knowledge in accounting, finance, domestic and international credit concepts, credit management, and credit and commercial law. The National Association of Credit Management (NACM) does not provide a practice exam for the CCE designation but does list reading material one should cover before sitting for the exam.

Certified Credit Executive (CCE)

Certified Information Systems Auditor (CISA) refers to a designation issued by the Information Systems Audit and Control Association (ISACA).

University instructors who have two years of experience in a related field, such as computer science, information systems auditing, or accounting, can substitute that experience for one year of work experience. The exam tests candidates’ knowledge of five job practice domains: The Process of Auditing Information Systems; Government and Management of IT; Information Systems Acquisition, Development, and Implementation; Information Systems Operations, Maintenance and Service Management; and Protection of Information Assets. The exam is also available in multiple languages including Chinese Mandarin (simplified and traditional), Spanish, French, Japanese, and Korean.
CISA candidates must have a minimum of five years of professional experience in information systems auditing, control, or security. To ensure professionals who hold the CISA designation keep their knowledge of information systems, auditing, and control updated, they are required to undertake 20 hours of training per year and a minimum of 120 hours in a three-year period.

Certified Information Systems Auditor (CISA)

A Certified Insolvency & Restructuring Advisor (CIRA) is a certification for professionals who work with companies going through insolvency. 

Certified Insolvency & Restructuring Advisor - CIRA

Course and Examination Content - Parts 1, 2, and 3

A Certified Insolvency & Restructuring Advisor (CIRA) is a professional certification available to individuals who specialize in working with businesses that are going through the process of bankruptcy, restructuring, turnaround, or insolvency. Examples of specialized experience include performing duties as a:
Financial advisor for a trustee, debtor, creditor, or equity holder committee
Business turnaround specialist, including business receivers and reorganization management or consultants
Bankruptcy trustee, bankruptcy examiner, or accountant for an examiner
Lender working in special assets or loan restructuring
The candidate must also complete and submit at least two case studies demonstrating specialized experience. A Certified Insolvency & Restructuring Advisor (CIRA) is a professional certification available to individuals who specialize in working with businesses that are going through the process of bankruptcy, restructuring, turnaround, or insolvency. CIRA candidates must also have five years of financial or accounting experience and 4,000 hours of specialized experience in restructuring and insolvency. Many kinds of finance or accounting professionals may seek to become CIRA certified; these include forensic accountants, business consultants, trustees, investment bankers, bankruptcy specialists, and financial crisis managers.

Certified Insolvency & Restructuring Advisor (CIRA)

Certified Trust and Fiduciary Advisor (CTFA) is a professional designation offered by the American Bankers Association (ABA).

Important Changes to CTFA Professional Certification

Providing specialty services in administration, investment management, tax, legal, finance, and estate planning is also considered professional wealth management experience by the banking trade association, as is fiduciary regulatory oversight with a state or federal regulatory agency and fiduciary compliance or risk management activities. The ABA defines professional wealth management experience as providing client advice, either directly or indirectly, relating to trusts, estates, individual retirement accounts (IRAs) and other qualified retirement plans, custody, and individual asset management accounts. Applicants must have three years of experience in wealth management and have completed an accredited training program in the last seven years, including one of the following:
Hold foundation, intermediate and advanced ABA trust certificates. The Certified Trust and Fiduciary Advisor (CTFA) is a professional designation offered by the American Bankers Association (ABA), which provides training and knowledge in taxes, investments, financial planning, trusts, and estates.

Certified Trust and Fiduciary Advisor (CTFA)

A Chartered Financial Consultant is a professional designation representing completion of a comprehensive course consisting of financial education.

Students must achieve mastery of more than 100 integrated advanced financial planning topics, including:
Estate Planning
Insurance Planning
Retirement Planning
Financial Planning Process and Environment
Income Tax Planning
Employee Benefits Planning
Asset Protection Planning
Estate Tax, Transfer Tax, and Gift Tax Planning
Applications of Comprehensive Financial Planning and Consulting
There is also curriculum on how rules within those segments change in relation to small business planning, financial planning for households in the process of divorce, or for families who have special needs dependents. However, there is debate about whether or not this designation is on a par with or supersedes the certified financial planner designation, which is awarded and administered by the CFP Board, in terms of relevance within the financial industry. A Chartered Financial Consultant is a professional designation representing the completion of a comprehensive course consisting of financial education, examinations, and practical experience. Holders of the ChFC designation must complete 30 hours of continuing education every two years in order to maintain the designation, as well as adhering to The American College Code of Ethics and Procedures.

Introduction to Chartered Financial Consultant (ChFC)

The chartered financial risk engineer, or CFRE, is a professional designation in financial risk management offered by the New York Institute of Finance.

Why Choose the Chartered Financial Risk Engineer?

The Chartered Financial Risk Engineer Vs. 10 Top Financial Engineering Programs

Chartered Financial Risk Engineer (CFRE) is a professional designation for financial risk managers and risk quants. The Chartered Financial Risk Engineer (CFRE) is a designation for professionals to enhance skills in software coding, modeling design, and financial securities analysis, and risk management. Individuals awarded the CFRE designation enhance their career opportunities by developing skills in software coding, modeling design, financial securities analysis, and risk management. Chartered Financial Risk Engineer (CFRE) is a professional designation for financial risk managers and risk quants. The CFRE is awarded by the New York Institute of Finance, which was founded by the New York Stock Exchange in 1922.

Chartered Financial Risk Engineer (CFRE)

Chartered Retirement Plans Specialist (CRPS) is a credential for those who create, implement, and maintain retirement plans for businesses.

Chartered Retirement Plans Specialist - CRPS

Chartered Retirement Plans Specialist (CRPS)

H.R.1994 - Setting Every Community Up for Retirement Enhancement Act of 2019

What Is the Chartered Retirement Plans Specialist (CRPS®) Designation?

Top 5 Benefits of Earning the CRPS® Designation

Get Started on Your Required Education for CFP® Certification

Chartered Retirement Planning Counselor - CRPC®

Professional Designation Renewal Requirements

Table of Contents
What Is the CRPS?
Understanding the CRPS
CRPS Course Work
The CRPS Exam
CRPS vs. CRPC
 The study program to become a CRPS covers types and characteristics of retirement plans, including IRAs, small business retirement plans, defined contribution plans, nonprofit plans, 401(k) and 403(b) plans, and government plans. Specific course sections include:
Introduction to ERISA and the Fiduciary Standard
Employer-funded Defined Contribution Plans
Participant-Directed Retirement Plans
Retirement Plan Solutions for Small Business Owners
Retirement Plan Selection, Design, and Implementation
Administering ERISA-compliant Plans
Working with Plan Participants
The CRPS program features open enrollment, meaning a candidate may enroll at any time as long as they pass the final exam within one year of enrolling. Table of Contents
What Is the CRPS?
Understanding the CRPS
CRPS Course Work
The CRPS Exam
CRPS vs. CRPC Similar to the CRPS designation is the Chartered Retirement Planning Counselor (CRPC), a professional financial planning designation awarded by the College for Financial Planning.

Chartered wealth manager is a professional designation issued by the Global Academy of Finance and Investment.

Candidates must have two of the following:
An ABA AACSB, ACBSP, or Equis Accredited Financial, Investment, Accounting, Tax, or Economics degree
Three years of professional experience
A government-recognized degree: licenses, degree, MBA/masters or law degree, Ph.D., CPA, recognized designations, and specialization work
A related degree and exams from an AAFM-approved and -accredited university program
Completion of online executive certification training programs
To prove that applicants have earned a masters degree, they must provide submission of:
AAFM certification application showing education from an AAFM-qualified education provider
Good faith evidence of application, enrollment, and completion of degree and exams from anaccredited or government-sanctioned program
Evidence of work experience and any diplomas, licenses, designations, certifications, government work/training, teaching work, research, or other awards The prerequisites for the CWM program are three or more years of professional experience in wealth management and a GAFM-approved degree or other approved program such as a master's degree in certain fields. Chartered wealth manager (CWM) is a professional designation issued by the GAFM Global Academy of Finance and Management, formerly the American Academy of Financial Management (AAFM). Academic professors and researchers, those holding Ph.D.s or CPAs, and lawyers may apply for individual exemptions from the above requirements.
The chartered wealth manager program focuses on topics such as relationship management, communication, sales, and financial planning and requires 15 hours per year of continuing education requirements.

Chartered Wealth Manager (CWM)

A chief investment officer (CIO) is an executive position mandated to supervise and guide the strategy for an organization's portfolio of investments.

A chief investment officer (CIO) is the executive position responsible for setting the investment style and strategy of a firm's investments. A chief investment officer (CIO) is the executive position responsible for setting the investment style and strategy of a firm's investments. The role of a chief investment officer (CIO) is most likely to be found at banks, insurance companies, investment firms, or nonprofit organizations with endowments. Chief investment officers (CIOs) are executive-level employees who manage the investment strategies and portfolios for businesses or organizations. Broadly, the CIO is responsible for these activities: sourcing, managing, and monitoring investments; establishing an investment policy statement (IPS); and working with external portfolio managers, analysts, and investors.

Chief Investment Officer (CIO)

A chief information officer (CIO) is the company executive responsible for the management and implementation of information and computer technologies.

Computer and Information Systems Managers: Pay

A chief information officer (CIO) is the company executive responsible for the management, implementation, and usability of information and computer technologies. Businesses generally require that a CIO have a bachelor's degree in a related field, such as computer science, computer information systems, IT management, or database administration. A chief information officer (CIO) is the company executive responsible for the management, implementation, and usability of information and computer technologies. A master's degree in business administration, coupled with a computer-based degree, can help a CIO run the business side of strategy, development, hiring, and budgeting. A CIO is a high-ranking executive responsible for managing and successfully implementing the information and computer technology systems of a company.

Chief Information Officer (CIO)

Client facing refers to the point of direct contact and interaction between a business and its customers.

A client-facing role is one that entails direct interaction or communication with a customer, sometimes in-person. Many companies attempt to automate or outsource client-facing functions as technology advances, sacrificing human interaction and personal touch to save money and time. Client facing generally refers to job activities that involve direct interaction or contact with a client or customer. The way client-facing staff respond to customers can have a substantial effect on retail sales, repeat business, and spending activity. Companies may make a special effort in choosing employees to fill client-facing roles given the effect their interactions with customers can have.

Client Facing

A cover letter is submitted with a job application and resume explaining the applicant's credentials and interest in the open position.

A cover letter is a written document commonly submitted with a job application outlining the applicant's credentials and interest in the open position. Since a cover letter is often one of only two documents sent to a potential employer, a well- or poorly-written letter can impact whether the applicant is called for an interview. Remember, the cover letter should complement your resume, not just summarize it.
**Keep your letter tight. A cover letter is a written document commonly submitted with a job application outlining the applicant's credentials and interest in the open position. The cover letter, on the other hand, acts as an introduction written by the candidate to express their interest in the position and what makes them the best fit for the job.

Cover Letter

Credit Business Associate (CBA) is a designation issued by the National Association of Credit Management (NACM). 

Credit Business Associate (CBA) Exam Study Outline

NACM also provides a variety of other credit-related designations, such as Certified Credit Executive (CCE) and Credit Business Fellow (CBF).
1.  Register for NACM's Education Department by sending the appropriate form along with the fee of $175 for NACM members and $350 for non-members. Most of these courses can be completed by successfully completing one of the following:
One full semester or two quarters of the same topic at college
Undertaking NACM-National’s relevant online course
The NACM certification course, when offered at NACM’s national headquarters
Through a local NACM affiliated sponsored course The Credit Business Associate (CBA) designation is sponsored by the National Association of Credit Management (NACM) and targeted toward individuals who want a career in credit management. The CBA designation is targeted towards individuals pursuing a career in credit management and focuses on three main areas: financial statement analysis, basic financial accounting, and business credit principles.

Credit Business Associate (CBA)

Chartered Retirement Planning Counselor (CRPC) is a professional financial planning designation awarded by the College for Financial Planning.

Chartered Retirement Planning Counselor (CRPC)

CRPC Designation: Demonstrate the Retirement Planning Expertise Clients Demand

Chartered Retirement Planning Counselor - CRPC

A Chartered Retirement Planning Counselor (CRPC) is someone with a professional financial planning designation awarded by the College for Financial Planning. CRPC program course topics include:
Maximizing the Client Experience During the Retirement Planning Process
Principles and Strategies When Investing for Retirement
Making the Most of Social Security Retirement Benefits
Bridging the Income Gap: Identifying Other Sources of Retirement Income.
Navigating Health Care Options in Retirement
Making the Emotional and Financial Transition to Retirement
Designing Optimal Retirement Income Streams
Achieving Tax and Estate Planning Objectives in Retirement
Fiduciary, Ethical, and Regulatory Issues for Advisers
Once enrolled, CRPC candidates will have access to the college's online student portal, where they can find written study materials, streaming video lectures, interactive quizzes, and access to live classes (when in session). Every two years, CRPC professionals must complete 16 hours of continuing education and pay a small fee to continue using the designation.
A Chartered Retirement Planning Counselor is someone with a professional financial planning designation awarded by the College for Financial Planning.
The study program for this designation includes a comprehensive assessment of an individual's financial needs before or after retirement, including sources of retirement income, personal savings, income taxes, estate planning, and more. A Chartered Retirement Planning Counselor (CRPC) is someone with a professional financial planning designation awarded by the College for Financial Planning. Individuals may earn the CRPC designation by completing a study program and passing a final multiple-choice examination.

The chief security officer is the executive in charge of the security of personnel, data, and physical assets. 

Table of Contents
What Is a Chief Security Officer?
 Understanding Chief Security Officer (CSO)
Role of the Chief Security Officer
History of the CSO
What Does It Take to Become a CSO?
Responsibilities of the CSO
Outlook and Future of the CSO Role The chief security officer (CSO) is a company executive responsible for the security of personnel, physical assets, and information in both physical and digital form. A chief security officer, or CSO, is an executive responsible for the safety and security of company data, personnel, and assets. But in more recent years, the role of a CSO has expanded to include overall corporate security such as a company's personnel and physical assets along with digital and physical information.

Chief Security Officer (CSO)

A data protection officer (DPO) is a position within a corporation that acts as an independent advocate for the proper care and use of customer’s information.

Regulation (EU) 2018/1725 of the European Parliament and of the Council

A data protection officer (DPO) is a position within a corporation that acts as an independent advocate for the proper care and use of customer’s information. This includes setting defendable retention periods for personal data, authorizing specific workflows that allow data to be accessed, outlining how retained data is made anonymous and then monitoring all these systems to ensure they work to protect private customer data.
This is a big job, and at larger companies the role of the DPO may require an office full of staff rather than one person. The data protection officer keeps up on laws and practices around data protection, conducts privacy assessments internally, and ensures that all other matters of compliance pertaining to data are up-to-date. The chief information officer (CIO), CISO, or chief data officer roles that already exist at many corporations are fundamentally different than what is envisioned in the data protection officer role. Instead of holding onto valuable data indefinitely or using insights gathered in one business line to inform another, the data protection officer will be there to ensure only the minimum data needed to complete a transaction is collected and retained.

Data Protection Officer – DPO

An economist is an expert who studies the relationship between a society's resources and its production or output, using a number of indicators to predict future trends.

An economist is an expert who studies the relationship between a society's resources and its production or output. The duties of an economist are incredibly varied: research economic issues; conduct surveys and collect data; analyze data using mathematical models, statistical techniques, and software; present research results in reports, tables, and charts; interpret and forecast market trends; advise businesses, governments, and individuals on economic topics; recommend solutions to economic problems; write articles for academic journals and other media. A career as an economist has two main requirements: an advanced degree, such as a Ph.D. or a master's degree, and an area of specialization to focus research efforts. An economist is an expert who studies the relationship between a society's resources and its production or output, using a number of different indicators, in order to predict future trends. The expert opinions and research findings of an economist are used to help shape a wide variety of policies, including interest rates, tax laws, employment programs, international trade agreements, and corporate strategies.

What Is an Economist?

Employment agency fees are paid to an employment agency when they succeed in placing a suitable employee with an employer. 

The term employment agency fee refers to a fee paid by a company to an employment agency when it successfully places a suitable employee with that employer. The term employment agency fee refers to a fee paid by a company to an employment agency when it successfully places a suitable employee with that employer. With employment agency fees (also referred to as placement agency fees), how and how much an agency may charge often depends on a variety of factors, including the difficulty of the placement, the industry, the position, market conditions, and several other factors. There are two types of employment agency fees—employer-paid fees and applicant-paid fees. Employment agency fees are paid by a company to an employment agency when it successfully places a suitable employee with that employer.

Employment Agency Fees

Enterprise Mobility Management (EMM) is the organization and management of mobile devices used in enterprise mobility.

What's the difference between MDM, MAM, EMM and UEM

What’s the Difference Between EMM and MDM Anyway

Enterprise Mobility Management (EMM) is the distribution, organization, and control of mobile devices like cell phones, smartphones, tablets, and laptops, used in enterprise mobility. Microsoft's 2015 Windows 10 allowed most EMM software providers to expand into unified endpoint management (UEM), which allows information technology departments to manage personal computers and mobile devices through a single console.
Enterprise mobility management is vital for companies that need to guard against data security and privacy breaches, especially with the risk of employees losing their mobile devices or falling victim to theft. EMM grew out of mobile device management (MDM) and includes components of MDM, mobile content management (MCM), and identity access management. Today, EMM typically encompasses some combination of MDM, mobile application management (MAM), mobile content management (MCM), and identity and access management. Administrators use the MDM server's management console as its headquarters to set policies and settings, and the agent enforces these policies and configures these settings by integrating with APIs built into mobile operating systems.
MAM allows administrators to set policies for specific application families, rather than for the whole device.

Enterprise Mobility Management (EMM)

An executive director is the senior operating officer or manager of an organization or corporation—usually a nonprofit.

An executive director is the senior operating officer or manager of an organization or corporation, usually at a nonprofit. Executive directors of nonprofit organizations (NPOs) are usually involved with fundraising efforts, as well as the promotion of the organization in order to raise public awareness and boost membership. An executive director is the senior operating officer or manager of an organization or corporation, usually at a nonprofit. An executive director is the senior operating officer or manager of an organization or corporation, usually at a nonprofit. Although an executive director is also involved in the day-to-day management of the organization, these duties may be shared with a chief operating officer (COO).

Executive Director

A fiscal agent is an organization, such as a bank or trust company, that acts on behalf of another party performing various financial duties. 

A fiscal agent is an organization, such as a bank or trust company, that acts on behalf of another party performing various financial duties. Many organizations intend to form fiscal sponsorships so that they can raise tax-deductible contributions, but in most cases, their arrangement will fail to meet IRS criteria for a fiscal sponsorship.
A fiscal sponsorship describes a relationship between a nonprofit organization with 501(c)(3) tax-exempt status and a project conducted by a separate organization, group, or individual that does not have 501(c)(3) status. The key difference between a fiscal sponsorship and a fiscal agency arrangement is that funds contributed to a non-exempt project that has a fiscal sponsor are tax deductible to the donor and those that are contributed to a project with a fiscal agent are not. The concept of “fiscal agency” references the arrangement of an established charity to act as the legal agent for a project conducted with another non-exempt organization. Under agency law, the agent (tax-exempt organization) acts on behalf of the principal (project), who has the right and legal duty to direct and control the agent’s activities.

Fiscal Agent

A freelancer is an individual who earns money on a per-job or per-task basis, usually for short-term work.

How Freelancers Can Make Sure They Get Paid on Time: Get it in writing

Self-Employment Tax (Social Security and Medicare Taxes)

A freelancer is an individual who earns money on a per-job or per-task basis, usually for short-term work. The benefits of being a freelancer include having the freedom to work from home, a flexible work schedule, and a better work-life balance. The Medicare tax rate, which is 1.45% for both entities, is 2.9% for the self-employed worker.﻿﻿ The total self-employment tax rate that a freelancer has to pay In the U.S. freelancers do not receive W-2 forms for income tax purposes and instead are sent a 1099-MISC tax form, which typically doesn't include any tax withholdings. In addition to the income tax, a freelancer is also subject to the self-employment tax mandated by the IRS.

Freelancer

A furlough is a temporary layoff, involuntary leave, or other modification of normal working hours without pay for a specified duration.

Fact Sheet #70: Frequently Asked Questions Regarding Furloughs and Other Reductions in Pay and Hours Worked Issues

A furlough is a temporary layoff, an involuntary leave, or another modification of normal working hours without pay for a specified duration. Employers can legally impose furloughs on hourly employees but must cut their workloads to match the cut in hours, as non-exempt employees must be paid for every hour that they work. For employers, one of the main advantages of furloughs over layoffs is that they can call back trained workers when conditions improve, rather than hiring and training new employees. For employers, one of the main advantages of furloughs over layoffs is that they can call back trained workers when conditions improve, rather than hiring and training new employees. Furloughs apply differently to non-exempt (hourly) employees and exempt (salaried) employees.

Furlough

The owner or operator of an art gallery is a gallerist. They buy and sell artworks, and often focus on higher-end pieces that carry premium prices.

What is the difference between an art gallery and an art dealer?

What Good Are Art Dealers and Gallery Owners?

Old Business, New Name: Behold the Gallerist

A gallerist is an owner or operator of an art gallery. The gallery may specialize in particular genres of art or periods of time, or they may include several different types of art, allowing buyers to see a range of different pieces in one location. The gallery may specialize in particular genres of art or periods of time, or they may include several different types of art, allowing buyers to see a range of different pieces in one location. Gallerist is a relatively new term; it was most likely coined to avoid any negative connotations associated with other names for the position—art dealer or art broker. It was most likely coined to avoid any negative connotations associated with other names for the position—art dealer, or art broker.

Gallerist

Government Actuary is an employee of the U.K. government who works for the Government Actuary's Department (GAD). 

Record of the Government Actuary's Department

What the Government Actuary's Department Does

A Government Actuary is an employee of the U.K. government who works for the Government Actuary's Department (GAD). A Government Actuary is an employee of the U.K. government who works for the Government Actuary's Department (GAD).
The government actuary's role expanded significantly since World War II and today it advises public sector clients from the U.K. and worldwide.
Most actuaries work at insurance companies, where their risk-management capabilities are particularly applicable.
The first government actuary was appointed in 1917, and was shortly followed by the British finance ministry creating the actual Government Actuary Department.﻿﻿ The government actuary first provided financial implication reports to Parliament on health insurance proposals and unemployment-related legislation. The U.K. Government Actuary's Department is a non-ministerial government department providing actuarial services to a wide range of other government departments. Their main task is advising on complex situations concerning long term risk and uncertainty including pension scheme actuarial valuations, insurance reserving and pricing, quality assurance of financial models, advice on policy development, ad hoc modeling and peer review. A Government Actuary is an employee of the U.K. government who works for the Government Actuary's Department (GAD).

Government Actuary

Grunt work is an expression that describes menial work; when used in finance, it refers to work typically performed by the lowest-ranking employees.

Grunt work is an expression used to describe thankless and menial work. However, it could be said that for those just starting out in a career in the finance industry, grunt work is actually highly relevant because you need to master the grunt work if you are ever to be trusted with the higher-level, more complex tasks. Associates review the work of analysts, particularly when those individuals in the analyst role are working on any client-facing materials or analytical work. In the context of the finance industry, grunt work could entail combing through a company's financial records, looking for positive and negative developments, or analyzing historical trading data in the hope of finding the perfect stop-limit order points. In the finance industry, grunt work often includes coordinating presentations, compiling analytical data, and administrative duties.

Grunt Work

Hard skills are learned abilities that you acquire through practice and education. Learn about examples of hard skills to include on your resume.

Soft Skills to Help Your Career Hit the Big Time

The Brain Doesn't Think the Way You Think It Does

Table of Contents
What Are Hard Skills? Understanding Hard Skills
Hard and Soft Skills Characteristics
Hard Skills vs. Soft Skills
Example of Hard Skills
The Bottom Line
Frequently Asked Questions
What Hard Skills Do Employers Want?
How Can I Acquire Hard Skills
Is Critical Thinking a Hard Skill?
Hard skills are learned abilities acquired and enhanced through practice, repetition, and education. Hard skills focus on practical abilities and skills, whereas soft skills focus on behaviors and personalities, such as social and communication skills. You can acquire hard skills by taking online or in-person classes at a university or other training program, practicing these skills before applying them to a job, and gaining experience by using the hard skills in the workplace. However, hard skills alone don't translate into business success as employees also need to employ other skills, such as soft skills, that contribute to customer satisfaction.

Hard Skills

A head trader is the manager of a trading business, responsible for the positions, risk, and ultimately, the profitability of that business.

Permitted Activities of Registered Principals

Series 53 – Municipal Securities Principal Exam

Series 4 – Registered Options Principal Exam

A head trader is the manager of a trading business, responsible for the positions, risk, and ultimately, the profitability of that business. Any head trader in a securities operation with supervisory and/or approval responsibilities must be a registered principal, meaning they must hold all of the basic securities licenses and possess one of the following certifications:
Series 4: Registered Options Principal Exam (OP)
Series 9 and 10: General Securities Sales Supervisor Examination
Series 23: General Securities Principal Exam - Sales Supervisor (GP)
Series 24: General Securities Principal Exam (GP)
Series 51: Municipal Fund Securities Limited Principal Examination
Series 53: Municipal Securities Principal Examination (MP)
The exact principal exams required depend on the head trader's responsibilities. In Europe in particular, the MiFID II regulations are shifting head traders' daily priorities away from trading and toward market structure and regulation changes rather than keeping abreast of what the markets are doing.﻿﻿﻿ While being a seasoned trading expert is essential to becoming a head trader, the role now may allow for only a small amount of time actually trading securities.
Let's say the head trader of a mid-sized hedge fund is given a stock order from the portfolio manager. In many environments, such as wealth management companies or money managers, a head trader may report to a chief investment officer and a chief operating officer and will have a key role in fulfilling and executing individual trade requests. Some specific head trader job responsibilities may include:
Managing trades from inception to post-trade analysis, including building trades, pre-trade analysis, execution, and settlement.

Head Trader

Headhunters are hired by firms to locate individuals who meet specific job requirements. They may also be referred to as executive recruiters.

A headhunter is a company or individual that provides employment recruiting services on behalf of the employer. A good headhunter won't ask you about your current or past salary, but rather, tell you the job's salary range and ask if it's a good fit for you. A headhunter, often called an executive recruiter, is an individual or company hired by an employer to recruit talent for an open role. In addition, some individuals may contact a headhunter to provide a résumé or curriculum vitae (CV) or to apply for a position for which the headhunter is seeking talent. A good headhunter will contact you knowing ahead of time that you are a good fit for a role based on your skills and experience.

Headhunter

An investment consultant provides investors with investment products, advice, and/or planning.

Personal Financial Advisors: Occupational Outlook

An investment consultant is a financial professional who provides investors with investment products, advice, and/or planning. The job market for personal financial consultants is poised to grow in the next decade (2019-2029).
Becoming an investment consultant typically requires a college degree and some work experience. As with other financial advisors, investment consultants actively monitor their client's investments and work with them as their financial objectives change over time to adjust their holdings. Investment consultants may fall into four main categories:
These are investment consultants, including stockbrokers and banking representatives, who are paid a commission to sell investment and insurance products. An investment consultant is a financial professional who provides investors with investment products, advice, and/or planning.

Investment Consultant

A market strategist is a financial professional who uses factors like investor sentiment and technical data to predict the movement of asset classes.

A market strategist is a financial professional who uses one of three broad categories to choose which asset classes—for example, stocks, mutual funds, bonds, or ETFs—to invest in. Those three categories are sentimental analysis, technical analysis, and company fundamentals or fundamentals analysis. Finally, market strategists often have an eye on company fundamentals, like one of the most successful investors of all time: Warren Buffett. Fundamental analysts look at a company's fundamentals, like its debt-to-income ratio and its sales growth, to make a decision on whether the company is a good buy or not. A market strategist is a financial professional who uses one of three broad categories to choose which asset classes—for example, stocks, mutual funds, bonds, or ETFs—to invest in.

Market Strategist

Networking is the exchange of information and ideas among people with a common profession or other interest, usually in an informal social setting.

Networking is the exchange of information and ideas among people with a common profession or special interest, usually in an informal social setting. Given the growing number of networking opportunities available to people looking to start or advance their careers, it's important to take some time to explore your options before committing to a specific networking group. Professional networking platforms such as LinkedIn provide an online location for people to engage with other professionals, join groups, post blogs, and share information. Professional networking platforms such as LinkedIn provide an online location for people to engage with other professionals, join groups, post blogs, and share information. Professional networking platforms provide an online location for people to engage with other professionals, join groups, post blogs, and share information.

Networking

Paraplanning is defined as the administrative duties of a financial planner.

Paraplanning refers to the administrative and clerical duties of a financial planner delegated to and carried out by junior members of a financial planning group. As paraplanners, they gain significant work experience and skills, network with other financial planning professionals, and work toward becoming financial planners. Paraplanning refers to the administrative and clerical duties of a financial planner delegated to and carried out by junior members of a financial planning group. Paraplanning staff, also called paraplanners, do most of the grunt work such as preparing plans and reports for financial planners. This allows financial planners and senior staff to focus on client-facing activities, high-level planning and analysis, and prospecting for new accounts.

Paraplanning

A patent agent is a professional licensed by the United States Patent and Trademark Office to advise on and assist inventors with patent applications. 

A patent agent, also known as a patent practitioner, is a professional licensed by the United States Patent and Trademark Office (USPTO) to advise on and assist inventors with patent applications. Patent agents may also provide patentability opinions and help with the preparation and filing of documentation related to patent applications.
Patent agents assist inventors with completing and submitting all patent-application paperwork, searching for prior art, writing the inventor's legally enforceable claims of ownership to the invention, revising rejected patent applications, and deciding when it's best to abandon an application. A patent agent, also known as a patent practitioner, is a professional licensed by the United States Patent and Trademark Office (USPTO) to advise on and assist inventors with patent applications. The USPTO recommends that patent applicants hire a patent attorney or patent agent to assist with the application process because of its legal complexity. A client who primarily needs help filing a patent application might hire a patent agent, instead of a patent attorney, and save money by only paying for the level of expertise required for the job.

Patent Agent

A patent attorney is a lawyer who has in-depth expertise in matters of patent law.

A patent attorney is a lawyer with expertise in intellectual property law pertaining to securing and protecting an inventor’s property rights. Patent attorneys are different from patent agents and intellectual property attorneys because unlike agents they must pass the bar exam in at least one state or territory in the U.S., and unlike IP attorneys, they specialize in patents, not other forms of intellectual property broadly.
Patent law is important to securing the benefits, like the ability to limit competition, that come from intellectual property rights. The patent office does not recommend patent attorneys or regulate patent attorneys’ fees, however.
In addition, while patents are a type of intellectual property, you should not hire an intellectual property attorney when you really need a patent attorney. In the United States, patent agents can perform many of the same tasks as patent attorneys, including representing clients before the USPTO, but not in other legal settings, such as prosecuting a patent infringement. Patent attorneys are lawyers who have passed the United States Patent and Trademark Office patent agent registration examination and have expertise in patent law.

Patent Attorney

A program manager oversees the management of a specific program, generally in the credit card or information technology business.

Table of Contents
What Is a Program Manager?
Understanding a Program Manager
Certifications
Responsibilities
How to Become a Program Manager To be eligible for the PMP certification, one needs a four-year degree, 36 months of experience leading projects, and 35 hours of training; or one needs a high school diploma or two-year degree, 60 months of experience leading projects, and 35 hours of training.
According to the Project Management Institute, the following are the key responsibilities of a program manager:
Daily program management throughout the program lifecycle
Define the program governance
Plan the overall program and monitor the progress
Manage the program’s budget
Manage risks and issues and take corrective measurements
Coordinate the projects and their interdependencies
Manage and utilize resources across projects
Manage stakeholders’ communication
Align deliverables to the program’s outcome
Manage the main program documents
The starting point to becoming a program manager is having a bachelor's degree in business administration, computer science, communications, or marketing. Depending on the industry you would like to join, further credentials, such as a master's program or certificates may need to be completed. This requires the program manager to consider other factors apart from the near-term project deliverables that are the focus of the project manager, such as the long-term effectiveness of the program, its impact on corporate targets, etc.
Project Management Institute, a not-for-profit professional membership association for project and program management, offers a number of recognized certifications in these areas. While a project manager's performance is based on the time, cost, and scope of a project, a program manager is judged on a cumulative basis for all the projects within their program. A program manager is judged on a cumulative basis for all the projects within their program; not just the cost and scope of a project as applied to a project manager.

Program Manager

A promotion can refer to an employee’s career advancement, creating awareness around product deals, or creating buzz around little-known stocks.

Target Offers Teachers Coupons for 15% Off School Supplies Through the End of July

Table of Contents
What Is a Promotion? A promotion is a term used in different contexts; two popular uses are when referring to a job promotion, and when referring to the promotion of a product for marketing. The holidays are another time of year when product promotions go into full swing, and sales and deals promote products in many retail sectors from food to fashion.
A job promotion is a step up in title and often in salary in a company, small business, and careers in education. Promotions of products are used in marketing and business, and in the stock market, a stock promotion is used to boost the sale of little-known stocks. Cross-promotion in marketing is when one brand collaborates and teams up with another brand to promote each other's products across multiple marketing platforms.

Promotion

A pundit is a person that publicly expresses their opinions or comments on a topic on which they consider themselves an expert. 

A pundit is a person that publicly expresses their opinions or comments on a topic on which they consider themselves an expert. In modern usage, the term pundit is often used to describe media personalities who are vocal proponents or critics of certain political ideologies, sports teams, investments, social issues, etc. In the information age it can be difficult to fact check the claims of a pundit, but a track record of success is one way to separate the truth from the hype. In the information age it can be difficult to fact check the claims of a pundit, but a track record of success is one way to separate the truth from the hype. A pundit is a person that publicly expresses their opinions or comments on a topic on which they consider themselves an expert.

Pundit

Relationship managers work to improve business relationships with partner firms and clients and to improve reputations in the markets where they operate.

Relationship managers work to improve business relationships with partner firms and clients. Client relationship managers work with senior executives, sales managers, technical managers, finance directors, and others who make or influence sales decisions. At smaller firms, relationship managers may be responsible for overseeing aspects of both business relationships and client relationships. Another role for client relationship managers is to organize training, planned maintenance, and other services to help clients get better and more efficient use from products or services. The better they understand the technical aspects of the business, the better and more efficient they can be communicating with clients or partners or helping staff meet the needs of clients or partners.

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