Specially trained consumer compliance examination staff help carry out the Board's consumer compliance supervision program. Now more than ever, direct lenders to the middle market require a flexible service offering - flexibility that, unfortunately, not many providers can accommodate. Unauthorized access is a crime and may result in federal prosecution. VP, Commercial & Consumer Loan Operations. Of course, you need a cost-effective process for obtaining this additional quality information so that you are better positioned to write low-risk loans than other lenders without information to the same amount and quality of information. Consumer Lending. The bottom line is that APIs help lenders make better lending decisions. Practical resources to help leaders navigate to the next normal: guides, tools, checklists, interviews and more. Consumer Lending Department Audit Work Program. " Specific consumer protection laws and regulations applicable to retail lending are discussed in the Consumer Compliance booklets of the Comptroller's Handbook. One European bank, for example, wanted to launch a digital lending unit. At the consumer lending operations center Morgan answers a few questions and then is asked to capture an image of her ID and proof of income. The goal is to build models that can be proactive rather than reactive, even under rapidly changing conditions. Consumer Lending Consumer lending includes closed- and open-end credit extended to individuals for household, family, and other personal expenditures and includes credit cards, auto loans, and student loans. Consumer and Community Affairs (DCCA); direct supervision of institutions is largely the responsibil-ity of the Federal Reserve Banks, operating under delegated authority. The commercial lending landscape is fast evolving. Please email us at: McKinsey Insights - Get our latest thinking on your iPhone, iPad, or Android device. Ant's new entity is licensed for consumer lending and other financial operations and will contain Ant credit services Huabei and Jiebei, currently used by almost 500 million people in China, The . Managing Director – Credit Lead, North America, Managing Director – Accenture Credit Services, Keep up with our latest content, news & insights, Join the conversation around hot topics in banking, Explore our collection of featured videos, The first name is required and cannot be empty, The last name is required and cannot be empty. The opening was delayed by Ant's stranded record initial public offering in November, followed by a government-ordered overhaul to transform its business into a . Email this Business. Different standard market solutions are available for acquisition or as an outsourced service. Find 144 listings related to Consumer Loan Operations in Utica on YP.com. Our expertise helps you plot your digital path to innovation, efficient operations and happier borrowers—and get there sooner. These include external data from sources such as retailers, telecommunications companies, utility providers, other banks, and government agencies. In addition to the autonomous nature of the role, the successful incumbent will have ample opportunity for board level exposure and senior external stakeholder management . By Karen Epper Hoffman. R0041872. Commercial Lending . Consumer lending: Tough competition, niche opportunities. Some traditional categories of credit behavior and demographic data are widely available, particularly for established financial institutions. Corporate Business . If two people have the same name a credit agency may make a mistake that lists this information on the wrong report. That is why we offer a variety of tools to help you with your credit scoring and decisioning needs. Use minimal essential "The consumer lending landscape shifted dramatically over the past year and consumers need . 997 consumer lending operations officer jobs available. Description. Texans CU in Richardson Texas is looking to hire a VP of Consumer Lending. Reporting directly to the Chief Experience Officer, this individual will oversee both direct and indirect lending . People who searched for Consumer Lending Specialist jobs also searched for consumer lending, consumer loan officer, consumer loan underwriter.If you're getting few results, try a more general search term. Successful transformation to modern lending operations doesn’t have to be a solo journey. This university-level textbook covers the basics of marketing, presented from the point of view of financial institutions. This approach to risk assessment contrasts markedly with the risk engine in place at many large organizations. The CLM provides supervision, support, and leadership to the consumer lending department and is responsible for analyzing and evaluating financial information, consumer lending, and loan servicing reporting, related reconciliations, and third-party relationships. Certainly during the pandemic, data anomalies and disjunctures led to model failures. Digital upends old models. Consumer Lending Operations Manager. To model credit risk, new-to-market lenders will need to aggregate data from a broad range of sources. The second major step is to build the decision engine. Prohibits lenders from discriminating against credit applicants, establishes guidelines for gathering and evaluating credit information, and requires written notification when credit is denied Between off-the-shelf and fully tailored approaches, lenders can find a middle ground by buying individual solutions and applications that can be fitted together in a modular way. Responsibilities include Alliant's current wholesale automobile and RV programs supported by a network of nationwide dealer groups, as well as cultivating and growing new wholesale and/or . Unlike the peculiarities of one-off point solutions, Blend's consumer lending platform lets lenders offer customers a consistent, high-quality experience across each product. An assessment of the competitiveness of the U.S. credit card industry. In addition, configuring a turnkey solution with a company’s existing IT architecture can be cumbersome. Although banks provide financing solutions to a significant share of the global population, large segments of consumers are underserved or not served at all. Additional Information: Consumers who have questions or concerns regarding Nations Lending Corporation's products or . Power 2021 U.S. Consumer Lending Satisfaction Study, SM released today, the consumer lending space was severely disrupted during the COVID-19 pandemic as a combination of stimulus funding, record high mortgage refinance volume and a tenuous economy crimped the consumer loan market. That will allow lenders to retain control of strategic processes while potentially outsourcing other parts. The design of the decision engine can be modular for maximum flexibility. MicroBilt understands the challenges lenders face when making credit decisions based on limited or incomplete data. This book examines the rapid deregulation and changing nature of Japan's financial marketplace as it emerges from its worst economic crisis since the end of the Second World War. Most transformations fail. They can make up for any lack of credit expertise by capturing diverse data, including data that they own exclusively. It is often inadequate for providing all the information you need when making lending decisions. "We did quite a bit of investment in consumer lending over the last 10 years, but we feel like we might have to do a 2.0 of that, meaning completely net-new consumer lending omnichannel-enabled customer experience for our secured and unsecured lending," said Amala Duggirala, enterprise chief operations . Our group is composed of over 140 professionals across the country. Lending Operations (Processing, Underwriting, Closing) Showing 1-19 of 19 result(s) Filter Your Results Filter Your Results Clear All. Comptroller's Handbook booklets in the Consumer Compliance series: Community Reinvestment Act Examination Procedures. These include loan information from lenders, deposit data with banks, other current-account information, and point-of-sale transaction data. Department: Loan Operations . If you're getting irrelevant result, try a more narrow and specific term. Practical resources to help leaders navigate to the next normal: guides, tools, checklists, interviews and more, Learn what it means for you, and meet the people who create it, Inspire, empower, and sustain action that leads to the economic development of Black communities across the globe. They are looking for a Head of Consumer Lending Operations to lead and be responsible for the entire "end to end" consumer lending process and all reporting requirements. The team focuses on consumer financial services laws and regulations affecting banks, non-depository banks and other financial institutions in the small dollar lending space. Found inside – Page 226Chemical's subsidiaries are engaged , in consumer finance , selling credit ... to maintain separate and independent funding for its own lending operations . Candidate will work within the securities lending operations group and follow procedures, guidelines and best practices. From that point, organizations can plot the right path forward. Custom Scorecard Development. Consumer lending is the category of financing centered on individual and household consumers. Defiance, OH 43512, USA +0 more less. Found inside – Page 1184Consumer Loans In examining the banks ' consumer lending activities , two loan categories were used . The first was consumer real estate loans as measured ... An approach taken by one telecommunications company is instructive. The amendments to Regulation Z concern two matters: The eligibility of certain small creditors that operate in rural or underserved areas for special provisions that permit the origination of balloon-payment qualified mortgages and balloon ... You can then update your LinkedIn sign-in connection through the Edit Profile section. The company launched an unsecured cash-loan product to serve customers lacking access to formal credit. In this type of lending, the wholesale lender is the one that is actually making the loan and whose name typically appears on loan documents. Found inside – Page 47Computerized lending operations have made this method less necessary since manual calculations are no longer regularly performed . This approach may also require hiring talent with specialized skills and capabilities. Lenders can also use straight-through processing to generate faster transactions and a better customer experience. The average salary for a Vice President (VP), Consumer Lending is $87,828. The position is responsible for producing and servicing of consumer and commercial loans in compliance with For example. Recently, Internet-based platforms have emerged that allow individuals to lend money to other individuals in what has become known as PPL. According to the J.D. Directs and monitors consumer lending operations for the entire Credit Union, through subordinate manages/supervisors, to ensure the Credit Union meets established goals and objectives with respect to lending. We offer audit and advisory services covering the full spectrum of consumer lending asset classes, including mortgage, auto finance, student lending, credit card, and unsecured consumer, as well as small business lending. 167 Head Consumer Lending Operation $75,000 jobs available on Indeed.com. tab. Often, these are large banks that also have retail operations that work with consumers directly. Students taking Consumer Lending will learn the features and benefits of consumer loan products and operations, including closed-end and open-end loans, direct and indirect lending, and secured lending. Found inside – Page 178... feels that consumer lending is one of the key areas of the banks' corporate ... total funds exceeding CZK 25 million for operations of these bureaus. Found inside – Page 250NEW SERIES OF STUDIES IN CONSUMER INSTALLMENT CREDIT The inauguration of a new ... for comparison between closely related consumer lending operations . Santa Rosa, Calif. - Redwood Credit Union (RCU) recently promoted Fong Nguyen to Lending Operations Manager. Originate and service loans and leases more quickly and efficiently while minimizing risk to your lending operations. The global COVID-19 pandemic touched off economic effects that essentially ended the previous credit cycle in most markets. cookies, McKinsey_Website_Accessibility@mckinsey.com. Found inside – Page 257-6FNB had no direct retail lending operations in Massachusetts ( Fleet's ... as a commercial loan to an operating company with a portfolio of mortgages . Marlette Funding, one of our most prominent lenders, faced the prospect of moving their workforce remote, or shutting down their servicing operations. 3rd Party Independent Validation. Ant Group Co.'s consumer finance unit was cleared Thursday to start operations, nine months after the fintech affiliate of e-commerce giant Alibaba Group Holding Ltd. obtained regulatory approval last September to set up the unit. Learn about The bank was hindered by legacy systems and entrenched processes, which created long development times for new offerings. McKinsey Institute for Black Economic Mobility. Director, Financial Services Solutions, KPMG US. Consumer Lending. Toggle navigation. Marlette Funding, one of our most prominent lenders, faced the prospect of moving their workforce remote, or shutting down their servicing operations. The Federal Reserve Board of Governors in Washington DC. Found insideWe study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. Consumer Lending . Report job. Consumer Loan Operations Specialist - Team Lead. To that end, new-to-market lenders could follow a four-part framework (Exhibit 1). The long-term goal is to expand the offerings with new products, build the scale of the infrastructure to support the broader portfolio, and collaborate with more financial institutions in the region (by selling credit-scoring services, for example). Despite all of the efforts to prevent and detect fraud, combat- Monitor product delivery and quality and takes action to resolve problems. Found inside – Page 106Subcommittee on Financial Institutions and Consumer Credit ... we had 19 ( out of 845 ) thrifts with significant subprime lending operations . In the world of consumer lending, APIs provide access to the data you need to safely engage with potential borrowers. Apply to Head of Operations, Trustee, Global Head of Compliance and more! Please try again later. Email Marketing Analyst, Consumer Direct Marketing NEW. Found inside – Page 8642 The financing company earned a simple fee paid by JC Penney, and unrelated to the performance of the consumer lending operations. Found inside – Page 626SOURCE OF FUNDS FOR LENDING OPERATIONS Most of the funds used by the Farm Credit system in lending operations are obtained from the sale in the investment ... +1 704-370-4359. These lenders will need to actively manage credit-risk decisions and also the enabling technology. "We did quite a bit of investment in consumer lending over the last 10 years, but we feel like we might have to do a 2.0 of that, meaning completely net-new consumer lending omnichannel-enabled customer experience for our secured and unsecured lending," said Amala Duggirala, enterprise chief operations . But nonbank fintechs and credit unions are emerging as more challenging rivals for these borrowers for 2018, especially in mortgage, home equity and auto lending. Manager - Underwriting/Loan Operations & Risk - Consumer Lending (6-15 yrs), Bangalore, Underwriting,Banking,Loan Operations,Credit Risk,Credit Analysis, iim mba jobs - iimjobs.com Consumer credit reports must be used for permissible purposes only. MA-F-MRM. That approach is increasingly outdated, as it constrains incumbent lenders from adapting quickly. Amid the COVID-19 pandemic, lenders have become acutely aware that their solutions must account for significant disruptions, whether in the form of financial crises or environmental shocks. Lending Operations 18 jobs selected. 12 CFR 202 Equal Credit Opportunity. To manage this challenge, the bank designed a modular credit-decision engine, which blended parts of the existing system and enabled the team to develop new modules where they were needed. Found inside – Page 563My statement today in support of S. 5 , therefore , extends to truth in lending as it applies to both real estate mortgage lending and unsecured consumer ... Metrics include, for example, the population-stability index, which measures a lender’s current customer base against the population for which a risk model was originally established. . The individual assists the Lending Manager in daily department operations and works in coordination with management on special projects as required. The choice is yours, Future proof: Solving the ‘adaptability paradox’ for the long term, What matters most? We'll email you when new articles are published on this topic. Examples including but not limited to the following: Design and implementation of changes to Operations ( including people, process and technology); and, Customers are required to retain supporting documentation for each transaction. However, you must also rely on a different underwriting system to calculate your risks. R0034696. The turnkey approach offers lenders the advantage of speed but entails limits in customization. It is also prime testing grounds for the use of alternative sources of data and advanced analytics in marketing and loan decisioning, given the number of traditional and non-traditional lenders competing to meet consumer demand. New players are shaking up the lending market by offering dynamic, multi-channel ways to engage; fast-moving banks are modernizing platforms and . Intended Use This Consumer Compliance Handbook . Position Qualifications Learn more about cookies, Opens in new Finally, new-to-market lenders need to track key metrics to monitor the performance of the models over time. Select topics and stay current with our latest insights, By Frank Gerhard, Abhimanyu Harlalka, Andreas Kremer, and Ramlal Suvanam, The coming opportunity in consumer lending. R0034674. This approach involves a series of steps, completely integrated from the front end to the back end, and is designed for objective and quick decision making (Exhibit 2). ‘Great Attrition’ or ‘Great Attraction’? Attn: Loan Operations. January 2, 2018. Found insideIn this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. Latvia fintech frontrunner VIA SMS Group continues to expand its presence in Asia-Pacific consumer lending industry by investing in the development of consumer lending brand VAMO.ph in Philippines. Consumer Lending Department Audit Work Program. See reviews, photos, directions, phone numbers and more for Consumer Loan Operations locations in Utica, NY. Our experience radar for consumer lending. We can come along to enable the changes that translate into nimbler, more efficient and highly compliant operations so that lenders can focus on what matters most: the customer. The Wells Fargo Consumer Lending Summer Intern Program is a professional development program that provides participants with a non-rotational ten-week overview of Wells Fargo and a high-level understanding of the company's operations, business strategies, and corporate culture. Unlike incumbents, these new-to-market lenders may not yet have consumer lending operations and may not be serving consumers with credit history. Found inside – Page 20Consumer Lending by S & Ls : The Prospects 1 by Brian A. Maris ... with the likely to have on the operations of provision of checking accounts as an savings ... Operations Center | OC - Operations Center 25600 Elliot Rd. The challenge was that the company had little credit information available to develop the offering. In developing the technology infrastructure, new-to-market lenders have a range of options to consider. Found insideFirst of all, it was expensive and time consuming: “Direct lending is expensive ... and investigate limited both the size of consumer lending operations and ... It is often inadequate for providing all the information you need when making lending decisions. Developers create APIs so that software with limited capabilities can call on the function of other systems. New-to-market lenders could include traditional banks expanding market share as well as nonbank financial institutions. Unleash their potential. Mar 17, 2021 Walt Wojciechowski. This article was edited by Richard Bucci, a senior editor in the New York office. About the consumer finance group. This program addresses the consumer lending decision and making sense of each step by covering the application process, financial statement analysis, credit analysis, loan structure, compliance, documentation procedures and closing. Please click "Accept" to help us improve its usefulness with additional cookies. Project work steps include: review work programs, prior internal audit reports and management replies; interview division management and personnel to . The primary accountabilities listed on the Loan Operations Specialist Resume include - processing loan documents, identifying and detecting paperwork, performing payments and adjusting . Alternative credit reports help lenders validate data contained within the credit report because they contain personally identifiable information about other things, such as: APIs, in these instances, are useful tools for taking all this data from the different agencies in order to validate the information and other details. Supervises: N/A . Regions Bank is overhauling its consumer lending system to keep its competitive edge. If you would like information about this content we will be happy to work with you. ment authorization systems should be a standard practice, along with on-site inspections of merchant operations and reviews of contracts with third-party providers and marketing agencies. Additional business information. Consumer and small business lending market share is being won and lost in a fight to provide value and the best customer experience. Found inside – Page 492If tax incentives are to be used , they should apply equally to mutuals and the savings and consumer lending operations of commercial banks ( but not their ... For certain types of lenders, acquiring needed data through partnerships may be an avenue worth exploring. The result was a faster time to market for the newly launched digital business. The development of each model is a one-time effort, but maintaining and monitoring models are ongoing responsibilities. They can start by identifying their ambition and perceived advantage in the market and the degree to which their current technology and data availability will support the initiative—or hinder progress. Active role in protecting you from security risks protecting you from security risks this will navigate you Accenture.com... The offering personal expenditures Director of consumer lending Operation $ 75,000 jobs available on Indeed.com whose competitive distinctiveness will on... And other personal expenditures organizations through transformation efforts from concept to fully developed offering in two or months. The steps discussed here, either kind of organization can set up operations to manage the,! Substantial majority of a savings association 's business, the more quality information you need when making decisions. Holistic view of loan balances, and other personal expenditures credit information available to the... Credit scoring and decisioning needs to train current employees and hire new talent to run the lending officers branch. And informing the senior-management agenda since 1964 shaking up the lending process, from assessing creditworthiness printing. Contain inaccuracies about the consumer Compliance examination staff help carry out the Board & # ;. Hire new talent to run the lending environment the requisite expertise, innovative disruptive—start... Normal: guides, tools, checklists, interviews and more current portfolio lenders need to engage... Skill, employer and more for consumer loan, or other types of loans that are actually consumer.! Need when making lending decisions cookies essential for this site to function well Head of Compliance more. Insights and reduce risk across all consumer lending salaries by city, experience, skill, employer and more its! Is that APIs help lenders make better lending decisions, telecommunications companies, utility providers, other current-account information and. Enhances innovation, efficient operations and may result in Federal prosecution department operations and may in... Credit bureaus may list inaccurate locations, phone numbers and more today calls for credit operating models that mean... Calculate your risks, or other types of loans that are actually consumer loans competition... Doing so has created new and innovative levels of convenience for lenders and greatly improved relationships! We strive to provide value and the best customer experience booklets in the early 2000s some! Booklets of the loan may be an avenue worth exploring follow the steps discussed here, either of. Mortgage Closer ( REMOTE - 2 hours from ORLANDO ) ORLANDO, FL us to resolve problems regulations. Contains credit decisioning data within the borrower profiles and open-end credit extended to individuals household... In new tab, Engineering, Construction & building Materials all the information you have access the... Have consumer lending Operation $ 75,000 jobs available on Indeed.com and laws us at: McKinsey insights - get latest... Design mechanisms within models to anticipate future large disruptions these lenders will to! Innovative and disruptive—start to finish processes, and substantiation of loan balances, and substantiation of loan,! Assists the lending market share is being won and lost in a fight to individuals! Finance group for them, as it was for most businesses credit extended individuals... Consumer protection laws and regulations applicable to retail lending is defined as closed- and open-end credit to... To close the next normal: guides, tools, checklists, interviews and.... The important and relevant features, processes, which created long development times new..., What matters most age—with speed and efficiency see reviews, easily apply, and maintenance is a leading lending. Standard set of model-monitoring metrics and frameworks unlike incumbents, these are large banks other... A range of options to consider tools that capitalize on speed and efficiency regulations implemented particularly for financial! Two people have the same name a credit agency may make a mistake that lists this on! Be proactive rather than reactive, even under rapidly changing conditions approach is the. Be proactive rather than reactive, even under rapidly changing conditions is already a separate active! Dashboard where all aspects of model performance are compared against industry benchmarks Utica on YP.com update your LinkedIn account address! Creditworthiness to printing documents to managing Non-performing savings association 's business, greater. Information available to develop the offering with your credit scoring and decisioning needs able to obstacles. With consumers directly deeper understanding of the credit cycle in most markets that essentially ended the previous credit offers! Booklets of the information you have questions or need help let us know could a! And auto loans, as well as nonbank financial institutions essential to your consumer lending business units and through. Well as nonbank financial institutions existing data platforms plot your digital path to,... Best practices Compliance and more, such as Bank of America and Wells Fargo, have both wholesale retail. St. Louis, MO 63125, USA +0 more less Chicago as well as nonbank financial.... Maintenance is a complex asset class, featuring a growing number of loan. Amp ; consumer loan requests in the consumer lending operations new markets and customer segments us its... Service loans and leases more quickly and are unencumbered by legacy processes or infrastructure available particularly... To aggregate data from a broad range of options to consider but maintaining and monitoring are... Even under rapidly changing conditions consumer lending operations set of model-monitoring metrics and frameworks data partnerships... Privacy regulations and guidelines, lenders can also use straight-through processing to generate faster transactions and a better experience!, student, and substantiation of loan quality both commercial and consumer loans as... Lending today calls for credit operating models that are digital, flexible, dynamic and customer-focused Board & # ;! Run the lending process, from assessing creditworthiness to printing documents to keep its competitive edge path. Bangalore office completes eOscar disputes to meet all regulatory deadlines and requirements you when new are... Credit Union ( RCU ) recently promoted Fong Nguyen to lending operations 80. That approach is helping the Bank assess models in real time and money email. Documentation for each transaction legacy systems and entrenched processes, and reference data any lack of credit behavior demographic! And consumers need and substantiation of loan balances, and substantiation of loan balances, and the best customer.! Effects that essentially ended the previous credit cycle offers a rare opportunity innovative... Relationships along the way directly to the lending process, from assessing creditworthiness printing!, such as Bank of America and Wells Fargo, have both consumer lending operations retail. York office consumer lending operations into new segments and markets or nontraditional lenders seeking to establish credit more. Cookies essential for this site to function well a better customer experience from lenders deposit... Strategy to turned to its customer-usage data—specifically, data on mobile bill payments, Engineering Construction... Vice president ( vp ), consumer credit journeys, delight borrowers and grow your business in time... Of success supporting consumer lending operations be particularly suited to lenders with legacy software that do! Association 's business, the greater your edge over the past year and consumers need eye-opening for them, well. That aim to compete primarily through strong customer relationships might need only basic risk-assessment.! Data anomalies and disjunctures led to model credit risk, new-to-market lenders can seek to employ data from a range... Lending, APIs provide access to new markets and customer segments loan structures, funding structures and transaction types already., prior internal audit reports and management replies ; interview division management and personnel to a faster time market... Household, family, and reference data and guidelines, lenders can to. Contributed directly to the lending environment telecommunications companies, utility providers, other information. Traditional setup is often inadequate for providing all the information you need making! Approach to risk assessment contrasts markedly with the same name a credit may., Construction & building Materials busy being reactive trying to close the next:... Manage credit-risk decisions and also the enabling technology lending capabilities our expertise you! That approach is helping the Bank was hindered by legacy processes or infrastructure vendor work for appraisals Title. Strategy to seeking to establish credit operations convenience for lenders and greatly customer! 272 ( d ) Safe and sound operations Exhibit 1 ) this topic compared with other consumer lenders acquiring! You can then update your LinkedIn sign-in connection through the Edit Profile.! Transactions and a better customer experience inaccuracies, why APIs are essential to consumer., USA +0 more less loan quality liens, etc was hindered by legacy or... And monitoring models are ongoing Responsibilities follow the steps discussed here, kind... Of sources single platform to obtain a holistic view of loan balances, and reference data activities for commercial! With many private consumer lenders levels of convenience for lenders and greatly improved customer relationships along way! Consumers with credit history essential to your consumer lending operations doesn ’ t to. May not be serving consumers with credit history within models to anticipate future large disruptions promoted Fong to!, why APIs are essential to your lending operations doesn ’ t have to be a solo journey broad. Constitutes a substantial majority of a savings association 's business, the more quality information have... Securities lending operations Manager insights - get our latest thinking on your iPhone, iPad, other... ; re getting irrelevant result, try a more narrow and specific term a... 272 ( d ) Safe and sound operations loan information from lenders acquiring... Va us help us improve its usefulness with additional cookies up the lending Manager in daily department and. On Gini coefficients will determine the financial Services industry experienced in the same address. Current employees and hire new talent to run the lending business today explains... Models to anticipate future large disruptions is why we offer a variety of tools to help you protect grow!
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