Pega Consultant - Banking
Zaměření: Software Development/ Engineering
Hlavní lokace: Netherlands, Noord-Holland, Amsterdam
ID pozice: J1022-0457
Typ pracovního poměru: Plný úvazek
Popis pozice:Do you dream of working right at the intersection of business and IT within the banking industry? Do you have experience with Pega and are you ready for the next step in your career? Then we are looking for you!
Stocks: Real-time U.S. stock quotes reflect trades reported through Nasdaq only; comprehensive quotes and volume reflect trading in all markets and are delayed at least 15 minutes. International stock quotes are delayed as per exchange requirements. Fundamental company data and analyst estimates provided by FactSet. Copyright 2019© FactSet Research Systems Inc. All rights reserved. Source: FactSet
Indexes: Index quotes may be real-time or delayed as per exchange requirements; refer to time stamps for information on any delays. Source: FactSet
Markets Diary: Data on U.S. Overview page represent trading in all U.S. markets and updates until 8 p.m. See Closing Diaries table for 4 p.m. closing data. Sources: FactSet, Dow Jones
Stock Movers: Gainers, decliners and most actives market activity tables are a combination of NYSE, Nasdaq, NYSE American and NYSE Arca listings. Sources: FactSet, Dow Jones
ETF Movers: Includes ETFs & ETNs with volume of at least 50,000. Sources: FactSet, Dow Jones
Bonds: Bond quotes are updated in real-time. Sources: FactSet, Tullett Prebon
Currencies: Currency quotes are updated in real-time. Sources: FactSet, Tullett Prebon
Commodities & Futures: Futures prices are delayed at least 10 minutes as per exchange requirements. Change value during the period between open outcry settle and the commencement of the next day's trading is calculated as the difference between the last trade and the prior day's settle. Change value during other periods is calculated as the difference between the last trade and the most latest settle. Source: FactSet
Data are provided 'as is' for informational purposes only and are not intended for trading purposes. FactSet (a) does not make any express or implied warranties of any kind regarding the data, including, without limitation, any warranty of merchantability or fitness for a particular purpose or use; and (b) shall not be liable for any errors, incompleteness, interruption or delay, action taken in reliance on any data, or for any damages resulting therefrom. Data may be intentionally delayed pursuant to supplier requirements.
Mutual Funds & ETFs: All of the mutual fund and ETF information contained in this display, with the exception of the current price and price history, was supplied by Lipper, A Refinitiv Company, subject to the following: Copyright 2019© Refinitiv. All rights reserved. Any copying, republication or redistribution of Lipper content, including by caching, framing or similar means, is expressly prohibited without the prior written consent of Lipper. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.
Cryptocurrencies: Cryptocurrency quotes are updated in real-time. Sources: CoinDesk (Bitcoin), Kraken (all other cryptocurrencies)
Calendars and Economy: 'Actual' numbers are added to the table after economic reports are released. Source: Kantar Media
Startup Costs: $2,000 - $10,000
Home Based: Can be operated from home.
Part Time: Can be operated part-time.
Franchises Available? No
Online Operation? Yes
The amount of information available today is staggering. For companies planning new products and patents or scoping out the competition, and for many other types of businesses, the trick is in figuring out how to access the information they need. If you love research--the excitement of sifting through a maze of books, magazines, journals and other esoteric sources for bits of information--you can ride to the rescue as an information consultant. You can seek out material for all sorts of clients--attorneys preparing cases; advertising, public relations and market research firms preparing campaigns; financial wizards; medical researchers; environmental engineers; or management consultants. Despite this wealth of potential customers, however, you should plan on specializing in a particular field. This way, you'll be familiar with the usual 'suspects' or avenues of research, so you'll be able to complete assignments faster. And since this can be a difficult business to market, by sticking to one industry, you increase your word-of-mouth advertising capacity. The advantages to this business are that you can start part time if you like, you're always learning something new, the industry has lots of room for growth, and if you love digging through information for the sheer joy of discovery, you'll be in information nirvana every working day. You'll need dogged persistence and the skills and experience to take you down the proper research avenues, plus the creativity and intuition to lead you in new directions when the usual methods fail. In addition, it helps to have a background in the field you choose to specialize in, but this is not an absolute requirement.
Who your clients are will depend on what field you specialize in. Once you decide, the best ways to reach them are by networking in professional groups and organizations and spreading the word among present and former colleagues. Write articles for and place ads in professional or trade journals. give seminars and talks to industry groups. Establish relationships with other information consultants who can pass overflow or out-of-their-field work on to you.
You'll need a computer with a laser or inkjet printer, a fax machine and the usual office software. And since you'll do most of your research online, you must have a good Internet service provider and accounts with a variety of subscription research sites like Lexis/Nexis and E-Journal. Plan on having a separate, or dedicated, line for your Internet access--otherwise clients won't be able to reach you.
Sydney; and Erin Twyford, the University of Wollongong Sydney, Aug 16 (360info)Daily revelations in the media surrounding the performance and bad behaviour of the consulting industry highlights a growing scandal that threatens more than just the firms involved.
Attention so far has focused chiefly on PricewaterhouseCoopers (PwC), which is not only embroiled in an ugly tax scandal, revealing serious conflicts of interest, but has been linked to the notorious Robodebt scheme. PwC failed to provide a 70-page report to the government on a scheme that was later ruled to be illegal, despite being paid nearly AUD$1 million. Instead, it compiled an eight-page PowerPoint presentation.
Emerging evidence suggests these transparency failures and issues of conflict of interest at PwC are just the tip of the iceberg for the consulting industry.
KPMG has been accused of submitting inflated invoices and billing the Australia's Department of Defence for hours never worked and Ernst & Young (EY) was working for gas giant Santos while advising the New South Wales state government on new gas developments.
Pressure is mounting, particularly due to a Senate inquiry shining a light on a system in which consulting firms are allowed to police their own behaviour.
Such is the apparent disdain some of the international firms hold for transparency and accountability in the Australian arms of their businesses, Boston Consulting Group, commissioned for more than AUD$64 million since 2021, have denied the opportunity to appear at the Senate inquiry.
In a similar move McKinsey and Company which has 650 employees in Australia and currently signed up to an estimated AUD$56.4 million worth of government work over the past two years, will follow the same tactic.
This repeats a 2021 inquiry into Australia Post where the pair refused to front the politicians.
Key to this issue is that governments worldwide, including Australia's, rely heavily on consultants.
In 2021, the global consulting services market was valued between $USD700 billion) and $USD900 billion. This universal reliance on consulting firms illustrates the Big Con.
Mazzucato and Collington's book, The Big Con: How the Consulting Industry Weakens Our Businesses, Infantilises our Governments and Warps our Economies, highlights how consulting firms are structured to maximise returns to partners.
It means the firms regularly engage in unethical behaviour, which continues to go unchecked in the absence of regulation. In our submission to the Senate inquiry into consulting, we mentioned the case of Bain & Co, a Boston-based global management consulting firm, which illustrates state capture by the consulting industry.
The British Government banned Bain & Co from tendering for government contracts for three years because of ''grave professional misconduct'' in South Africa. Subsequently, during Jacob Zuma's two-term presidency, the South African Treasury imposed a 10-year ban on Bain from tendering for government contracts for its role in state capture.
State capture refers to cases where private interests influence a state to seek private advantage. As a result, there is growing pressure for private sector companies to remove Bain from their database of suppliers.
Similarly, consulting firm McKinsey and Co. agreed to pay $USD573 million to US authorities as part of a settlement for its role in the opioid crisis, which has killed hundreds of thousands of Americans.
The action was taken against McKinsey because of its conflict of interest in failing to disclose to the US government's medicine regulatory body, the Food and Drug Administration (FDA), its work with Purdue Pharma the manufacturer of the synthetic opioid Oxycontin.
McKinsey continued to advise Purdue after it pleaded guilty to charges in 2007 that it misled regulators over the risks of the drug leading to the company's bankruptcy.
These examples indicate the potential for action against consulting firms if the appropriate mechanisms exist.
Various Australian governments spend billions of dollars of taxpayers' money yearly on external contractors and consultants.
The NSW state government spent AUD$1 billion on consultants between 2017 and 2022. Australia's top consulting firms secured a record AUD$2 billion worth of Commonwealth taxpayer-funded work in 2021–22, with Accenture taking top billing for the second consecutive year. Australia's leading players offering consulting services include the 'Big Three' consultants Accenture (formerly Arthur Andersen), McKinsey, Boston Consulting Group and the 'Big Four' accounting firms (PwC, Deloitte, KPMG and EY).
Despite this enormous expenditure, there is no transparency about what is provided and the knowledge these consulting services produce. Reporting of perceived or genuine conflicts of interest is limited to self-reporting and self-regulation.
Currently, in Australia, there are three Parliamentary inquiries into the consulting industry and its relationship with the Commonwealth government.
The first, a Parliamentary Joint Committee on Corporations and Financial Services Inquiry, has heard latest allegations of, and responses to, misconduct in the Australian operations of the significant accounting, audit and consultancy firms (including but not exclusive to the Big Four) via a detailed investigation and analysis of regulatory, technical and legal settings, and broader cultural factors.
The second is a Senate Economics References Committee Inquiry into Australian Securities and Investments Commission investigation and enforcement.
The third is a Senate, Finance and Public Administration References Committee inquiry into the management and assurance of integrity by consulting services (Consulting services).
In our submission to the Senate inquiry (Consulting services), we raised concerns about conflicts of interest, the culture of consulting services firms and the apparent lack of transparency and accountability for consulting arrangements. We highlighted that the consulting industry in Australia is an unregulated activity.
This is because the unique structure of these consulting firms as partnerships means that regulation is focused on the individual via their membership in a professional accountant body or as a registered auditor or tax agent. This form of regulation is self-regulation in terms of codes and ethical practices. There are few enforcement measures for integrity breaches and unethical behaviour by consultants and firms.
Professional bodies, such as the accounting professional associations, take limited action about the misdemeanours of their members who are partners at Big Four consulting firms.
Instead, information about the failures of transparency, conflicts of interest and unethical behaviour at these firms has resulted from the actions of various whistle-blowers and investigative journalists.
This information has revealed that, despite their significant revenue, these Big Four firms are secretive partnerships, not companies, and do not have to disclose where their money is coming from, even though they are among the most powerful private institutions in the world. Most of their income growth comes from governments and large multinationals in work that does not even attempt to avoid conflicts of interest.
Besides consulting, the Big Four also help multinationals minimise tax while simultaneously acting as 'gatekeepers' in auditing the same big companies.
The dominant role played by the Big Four accounting and consultancy partnerships in transnational corporations' accounting and auditing practices is a global issue of concern, not just a problem for Australia.
PwC's Australian tax scandal was initially limited to one partner until PwC was forced to admit that multiple senior partners were involved after a cache of internal emails was released by a parliamentary committee at the start of May.
The emails showed that PwC's embattled Australian affiliate misused confidential government tax information for commercial gain, creating a crisis that threatens to extend beyond national borders.
This behaviour by individuals is consistent with a broad culture of conflict of interest, given that PwC provided advice to Treasury about international tax shifting while at the same time advising clients how to sidestep these laws.
When the OECD's 2015 Final Report on the Base Erosion and Profit Shifting (BEPS) Action Plan to tax transnationals was adopted in Australia in 2016, PwC was already devising tax practices to sidestep the new law.
The Treasurer at the time, Joe Hockey, was concerned about the rise of opaque structures such as the ''double Irish, Dutch sandwich'' that involved sending profits through one Irish company, then to a Dutch company and back to another Irish company in a tax haven.
Such schemes were particularly popular with US tech firms, including Google (which has said it no longer uses the loophole).
PwC tax partner Collins signed confidentiality agreements with the Australian government and fed intelligence on the government plans to PwC personnel in Australia and abroad.
The firm used that information to give more than a dozen US companies an early warning of the changes, netting additional fees and potentially depriving Australia of tax revenue.
It has since been revealed in Senate estimates that the Australian Tax Office became aware in 2016 that a handful of multinationals ''suspiciously and quickly'' sought to restructure operations in response to new tax avoidance rules.
Specifically, the Australian Tax Office was concerned by tax schemes marketed by PwC that threatened the country's tax take and suspected confidentiality breaches.
Information was passed to the police, but it did not initially result in a full investigation. Treasury has since referred the matter to the Australian Federal Police, citing new evidence. The tax office also formally referred the issue to the Tax Practitioners Board in 2020, which led to Collins being deregistered for two years. The tax board passed on 144 pages of internal PwC emails to the Senate.
The question of which colleagues received Collins' communications and what they did with the information has become a central part of future inquiries. While the scandal is Australia-centric, PwC used its global network to profit from privileged information, drawing in other parts of one of the world's biggest professional services firms.
Its admitted failings are now subject to a police investigation, and governments worldwide will be taking note amid a growing reliance on private consultants to formulate public policy and public services.
There are now multiple investigations into the leak, including by the Australian Federal Police, and PwC has been banned from winning further work from the federal and several state governments.
Given that for decades, PwC has provided tax advice to transnational companies, including miner Rio Tinto, meat giant JBS, energy company Chevron and explosives maker Orica, the current investigations could extend into the US, UK and Europe, partly because the emails show PwC's Australian partners have shared the secret government information with PwC partners globally. Consider a report published in 2020 by the Global Alliance for Tax Justice, which outlines how corporate' profit shifting', otherwise known as 'tax avoidance', cost countries $USD427 billion in lost tax revenue in that year alone.
Nowhere is this kind of behaviour more evident than in the global fossil fuel industry. Australian Tax Office data for the eight years from 2013 to 2021 shows nine companies, including ExxonMobil Australia, Chevron, Santos, Peabody Coal, Yancoal Australia and QGC Upstream (a subsidiary of Shell), paid zero corporate income tax over that period.
Those nine along with 16 other energy and resource companies with significant financial interests in fossil fuels disclosed revenue of about AUD$1,425 billion. They paid an average of less than 1 percent income tax on that revenue.
A host of offshore tax havens also enable manipulations of the Australian tax system. Contrary to popular opinion, four wealthy countries the US, Netherlands, Luxembourg and the UK and their 'independent' territory of the Cayman Islands are responsible for 47 percent of global tax losses.
These firms are housed outside of Australia, where tax on earnings from Australian government receipts does not feed back into the Australian economy. For example, Accenture plc is an Irish-American professional services company based in Dublin, specialising in information technology services and consulting. A Fortune Global 500 company, it reported revenues of USD$61.6 billion in 2022.
With this behaviour, management consultants are enablers of the new public management movement in which governments adopt structures, techniques and processes from the private sector to deliver public services.
Consultants translate what they consider to be appropriate practices to novel public sector settings. The significance of the consulting industry as the shaper of a new public sector is widely acknowledged. Given the positioning of new public management as a movement with private-sector management practices and the use of the private sector to deliver public services as its fundamental reference point, the arrival of management consultants in public services is not surprising.
Mazzucato and Collington outline how the consulting industry reached the core of global economies and governments. The 'Big Con' is possible in today's economies because of the unique power that consultancies wield through extensive contracts and networks and the illusion that they are objective sources of expertise and capacity.
An entrenched relationship exists between the consulting industry, hollowed-out and risk-averse governments, and shareholder value-maximising firms. Mazzucato and Collington demonstrate that our economies' reliance on companies such as McKinsey, Boston Consulting Group, Bain & Company, PwC, Deloitte, KPMG and EY stunts innovation, obfuscates corporate and political accountability and impedes our collective mission of halting climate breakdown. In Australia, at the Commonwealth government level, there has been a failure to account for how the performance of consultants is measured publicly. As outlined in our evidence to the Senate Inquiry, the Treasury considers all consultants responsible for their performance management. A change in June 2023 means that suppliers must notify federal public servants if their personnel have had adverse findings against them as part of a new ''notification of significant event clauses'', including an update to procurement rules introduced by the Department of Finance. The revised regulations emphasise that public servants ''must consider ... a potential supplier's relevant experience and performance history when assessing value for money''. Still, this approach relies on consultants self-reporting their performance and is profoundly inadequate, especially given the track record of these firms.
Nevertheless, what is the alternative? Mazzucato and Collington highlight that the Big Con has not only made millions for consulting firms but has hollowed out the public service They propose a new vision, for the civil service to rebuild capability in public sector organisations.
It is essential to recognise the government as creating rather than wasting value. This requires implementing learning and adaptive processes, empowering risk-taking within public sector organisations and evolving the narratives around the government's role in the economy. Busting them up is the only solution to these issues (for financial markets, the conflicts of interest are just as untenable between the tax and audit divisions as the auditors are there to sign off the accounts as "true and fair" while the tax advisers are there to advise corporations on how to most aggressively aviod paying tax in Australia). Policymakers and the media will play a crucial role in this transformation. With a combined effort, we can end the Big Con once and for all and restore an independent public service to its rightful place at the centre of government. (360info.org) AMS AMS
(This story has not been edited by Devdiscourse staff and is auto-generated from a syndicated feed.)
Human Resources Consultants are strategic advisors and collaborators who work to provide employees and leaders with innovative solutions that align with UAB’s mission, vision and values and achieve institutional goals. Human Resources Consultants provide professional guidance and consultation to University employees, managers, supervisors and administrators on a variety of Human Resources issues that affect the work environment. Service offerings include:
Human Resources Consultants support the following schools and units.
Please contact them directly if you need assistance.