35 Wealth Manager jobs in the United Arab Emirates

Wealth Manager

Dubai, Dubai Independent Resourcing Consultancy Ltd

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Job Description

Our client is an innovative wealth management firm based in Dubai, offering a comprehensive 360-degree range of services and products to their esteemed clients. Their mission is to provide personalized financial solutions that cater to the unique needs of each client, ensuring their financial well-being and growth.

Job Description:

Role Overview:

Our client is seeking a Wealth Manager to join their dynamic team. The successful candidate will be responsible for developing and managing a portfolio of high-net-worth clients by providing tailored financial advice and investment strategies. This role requires excellent relationship management skills, a deep understanding of financial markets, and a commitment to delivering exceptional client service.

Key Responsibilities:

  1. Client Relationship Management: Build and maintain strong relationships with high-net-worth clients, understanding their financial goals, risk tolerance, and investment preferences.
  2. Financial Planning: Develop comprehensive financial plans tailored to each client's needs, including retirement planning, tax optimization, estate planning, and more.
  3. Investment Strategy: Create and implement personalized investment strategies, utilizing a wide range of financial products and services offered by the company.
  4. Portfolio Management: Monitor and manage client portfolios, making adjustments as needed to align with market conditions and client objectives.
  5. Market Analysis: Stay updated with global financial markets, economic trends, and investment opportunities to provide informed advice.
  6. Client Education: Educate clients on various financial products, market trends, and investment strategies to empower them to make informed decisions.
  7. Compliance: Ensure all advisory activities comply with regulatory standards and company policies.
  8. Collaboration: Work closely with internal teams, including research, compliance, and operations, to deliver comprehensive wealth management solutions.

Qualifications:

  1. Education: Bachelor's degree in Finance, Economics, Business Administration, or a related field. A Master's degree or professional certifications (e.g., CFA, CFP) is a plus.
  2. Experience: Minimum of 5-7 years of experience in wealth management and financial advisory in the UAE, with a transferable client portfolio and AUM is required.
  3. Skills:
    1. Strong analytical and quantitative skills.
    2. Excellent communication and interpersonal skills.
    3. Proven ability to build and maintain relationships with high-net-worth clients.
    4. Proficiency in using financial planning and portfolio management tools.
    5. Ability to work independently and as part of a team.
  4. Knowledge: In-depth understanding of financial markets, investment products, and regulatory requirements in the UAE.
  5. Language: Fluency in English is required; knowledge of Arabic is an advantage.

What Our Client Offers:

  1. Competitive package with attractive commission package.
  2. Comprehensive health and wellness benefits.
  3. Opportunities for professional growth and development.
  4. A collaborative and innovative work environment.
  5. Access to cutting-edge digital tools and platforms.

How to Apply:

Interested candidates are invited to apply with their resume and a cover letter detailing their qualifications and experience.

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Junior Wealth Manager

Dubai, Dubai Independent Resourcing Consultancy Ltd

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Job Description

Our client is a prestigious member of the FTSE 100, managing over 150 billion GBP in Client Funds Under Management. Globally, they are a prominent wealth management firm for the expatriate community, with established international offices in Dubai, Hong Kong, and Singapore.

Responding to the changing needs and demographics of the expatriate community, our client is extending its reach into the UAE. They are seeking seasoned financial advisers to cater primarily to the UAE's large expatriate community, though the scope is not limited to this region. This presents an exceptional opportunity for dedicated and ambitious individuals to enhance their career experience and, in partnership with the client, develop personal and business equity in one of the world's most dynamic economies.

The success of our client is deeply rooted in their commitment to quality, face-to-face wealth management advice and in building long-term, trusted client relationships. The firm's distinction is also attributed to its unique Investment Management Approach.

What our client offers to a successful candidate:

- Comprehensive training and development for securing local qualifications and licensing

- Practice management and tailored marketing support

- Access to extensive support resources available to all partners of the client

- Access to research and insights from an industry-leading investment team

- A dynamic and engaging office environment with supportive, driven colleagues

A little about the ideal candidate:

- Degree-holder and industry-qualified

- Experienced or currently practicing as an adviser

- Proven track record in business networking

- Exceptional sales skills in advisory services

- Driven by the commitment to providing outstanding client experiences

- Highly motivated and goal-oriented, aspiring to succeed and build a business

If you believe your skills and experience are a good fit for this opportunity, we encourage you to apply.

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Wealth Manager - Dubai

Dubai, Dubai Independent Resourcing Consultancy Ltd

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Job Description

This firm is a pioneering, independent financial advisory consultancy, unwavering in its dedication to safeguarding the financial futures of its clients. Established by UK-qualified financial advisers, the company distinguishes itself with its vibrant energy and innovative approach, setting it apart in the competitive offshore marketplace.

The firm's primary aim is to equip its Wealth Managers with the essential skills and knowledge to excel in their careers. It boasts a robust selection process to ensure its team can deliver superior services compared to its competitors. The dedication to professional development is evident, as all team members are encouraged to acquire the knowledge and expertise necessary for providing top-tier financial planning and wealth management services to expatriates across the globe.

Support is provided for team members to achieve all relevant qualifications, including the highly recognized Level 4 UK financial planning requirements, with encouragement for further educational pursuits. Preference is given to candidates who have already attained Level 4 certification before joining the team.

Position:

Wealth Manager

Location:

Dubai

Education:

Master's Degree

Opportunity:

This opportunity targets advisors with experience as Independent Advisors or Wealth Managers, or those ready to advance in their career. The selected candidate will offer exclusive international and local solutions to advise and serve their clients independently.

Engaging directly with clients, the Wealth Manager will assess and advise on medium to long-term financial objectives. Advice will be tailored to the clients nationality and location, encompassing areas such as Lump Sum Investing, Retirement Planning, Education Fee Funding, Life Insurance, and Estate & Inheritance Tax Planning.

Wealth Managers collaborate closely with marketing, coordination, and paraplanning teams to facilitate daily client interactions.

Team members are expected to uphold high standards, with continuous training provided to ensure compliance with both client and company expectations.

Wealth Managers will also gain access to a bespoke CRM system developed in-house by former Wealth Managers.

Values:
  1. A strong interest in pursuing or advancing a career in Financial Services.
  2. A commitment to learning, with all Wealth Managers aspiring to achieve a minimum of Level 4 qualification.
  3. Exceptional communication skills and professionalism.
  4. Driven by success and targets.
  5. Highly motivated with a positive outlook.
  6. Desire to contribute to a firm renowned for its strong reputation and expanding global presence.
  7. Fluency in English, proven sales capabilities, and an entrepreneurial spirit are must-haves.

The firm offers competitive remuneration and exceptional earnings for top performers, along with regular incentives, including international conventions.

There is also the potential for involvement in the firm's ambitious global expansion plans, including the opportunity to open new offices worldwide.

Note: Ideal candidates will already possess an established AUM/book of existing clients.

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Private Wealth Manager

Abu Dhabi, Abu Dhabi Independent Resourcing Consultancy Ltd

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Job Description

Our client is a distinguished financial services firm known for its commitment to excellence and client-centered approach. With a legacy of providing comprehensive wealth management solutions, the client specializes in tailored strategies designed to optimize financial growth and security for its diverse clientele.

As a Private Wealth Manager with the client, the individual will play a pivotal role in delivering sophisticated financial solutions to esteemed clients. They will be responsible for providing expert guidance and personalized advice to high-net-worth individuals, families, and institutions, ensuring their financial objectives are met with precision and efficiency.

Key Responsibilities:

  1. Client Relationship Management: Cultivate and maintain strong relationships with clients by understanding their unique financial goals, preferences, and risk tolerance levels. Serve as their trusted advisor, offering comprehensive wealth management solutions tailored to their specific needs.
  2. Financial Planning and Advisory: Conduct in-depth financial analysis and develop customized wealth management strategies encompassing investment planning, retirement planning, estate planning, tax optimization, and risk management. Continuously monitor and adjust strategies to align with evolving client goals and market dynamics.
  3. Portfolio Management: Oversee the construction, monitoring, and rebalancing of client investment portfolios, leveraging a diverse range of asset classes, investment vehicles, and alternative strategies. Implement disciplined investment strategies aimed at achieving optimal risk-adjusted returns while preserving capital.
  4. New Business Development: Proactively identify and pursue opportunities to expand the firm's client base and assets under management (AUM). Collaborate with internal stakeholders to develop marketing initiatives and participate in networking events to attract prospective clients and deepen existing relationships.
  5. Compliance and Regulatory Adherence: Ensure strict adherence to industry regulations, compliance standards, and internal policies governing wealth management activities. Uphold the highest ethical standards and act in the best interests of clients at all times.

Qualifications and Experience:

  1. Bachelor's degree in Finance, Economics, Business Administration, or a related field. Advanced degrees (e.g., MBA, CFA, CFP) required.
  2. Relevant industry certifications/licenses (e.g., Series 7, Series 66, CFP) preferred.
  3. Minimum of 5 years of experience in wealth management, private banking, or financial advisory roles, preferably serving high-net-worth clients.
  4. Transferable Client Base and Assets Under Management (AUM) in the UAE.
  5. Proven track record of successfully managing client relationships and delivering comprehensive wealth management solutions.
  6. Strong understanding of financial markets, investment products, and wealth management principles.
  7. Excellent interpersonal skills, with the ability to communicate complex financial concepts effectively and build rapport with clients and colleagues.
  8. Sound judgment, analytical prowess, and attention to detail.

Remuneration:

  1. Competitive salary commensurate with experience and qualifications.
  2. Performance-based incentives and bonuses tied to individual and firm-wide goals.
  3. Comprehensive benefits package, including health insurance and professional development opportunities.

Join the Team:

Embark on a rewarding career journey with the client and make a meaningful impact in the lives of clients. Join a dynamic team of wealth management professionals dedicated to delivering excellence in financial services. Apply today to become a Wealth Management Specialist and be part of the commitment to financial prosperity and success.

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NRI Private Wealth Manager

Dubai, Dubai Independent Resourcing Consultancy Ltd

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Job Description

Our Client: Our client is a leading global financial advisory firm, renowned for providing market-leading, cross-border financial advisory services. They are committed to transparency, integrity, and development, ensuring that clients receive the best possible advice from confident, well-rounded professionals.

Position Overview:

The NRI Private Wealth Manager will be responsible for managing and growing a portfolio of high-net-worth non-resident Indian (NRI) clients. This role involves providing bespoke financial advice, investment management, and wealth planning services tailored to the unique needs of NRI clients.

Key Responsibilities:

Client Relationship Management:

- Build and maintain long-term relationships with high-net-worth NRI clients.

- Understand clients' financial goals, risk tolerance, and investment preferences.

- Conduct regular reviews and updates with clients to ensure their financial plans remain aligned with their objectives.

Financial Advisory:

- Provide comprehensive financial planning and advisory services, including retirement planning, tax optimization, estate planning, and education fee planning.

- Develop and implement tailored investment strategies that meet clients' financial goals.

Investment Management:

- Construct and manage bespoke investment portfolios, ensuring diversification and alignment with clients' risk tolerance.

- Monitor and review investment performance, making adjustments as necessary to optimize returns.

Business Development:

- Identify and pursue new business opportunities within the NRI market.

- Conduct seminars, webinars, and networking events to attract potential clients.

- Collaborate with internal teams to develop marketing strategies targeting the NRI segment.

Regulatory Compliance:

- Ensure all advisory activities comply with local and international regulatory standards.

- Stay updated on regulatory changes and their impact on clients' financial plans.

Qualifications and Experience:

- Bachelor's degree in Finance, Economics, Business Administration, or a related field. A Master's degree or relevant professional certification (e.g., CFA, CFP) is preferred.

- Minimum of 5 years of experience in wealth management or financial advisory, with a focus on high-net-worth clients with a client portfolio and AUM that is transferable.

- In-depth knowledge of financial products, investment strategies, and wealth planning tools.

- Strong understanding of the financial and regulatory environment affecting NRI clients.

- Excellent communication, interpersonal, and relationship-building skills.

- Proven track record in business development and client acquisition.

Skills and Competencies:

- Client-centric approach with a strong commitment to delivering exceptional service.

- Analytical mindset with the ability to interpret complex financial data and market trends.

- High level of integrity and professionalism.

- Proficiency in financial planning software and CRM systems.

- Ability to work independently and as part of a collaborative team.

Benefits:

- Competitive salary and performance-based incentives.

- Comprehensive health insurance and retirement benefits.

- Continuous professional development opportunities.

- Supportive and dynamic work environment.

Application Process:

Interested candidates are invited to submit their resume and a cover letter detailing their relevant experience and why they are the right fit for this role.

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NRI Private Wealth Manager

Abu Dhabi, Abu Dhabi Independent Resourcing Consultancy Ltd

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Job Description

Our Client: Our client is a premier financial advisory firm dedicated to providing personalised wealth management services. With a strong reputation for excellence and a client-focused approach, they offer bespoke financial solutions to meet the unique needs of their high-net-worth clients.

Position Overview:

The NRI Private Wealth Manager will be responsible for managing and growing a portfolio of high-net-worth non-resident Indian (NRI) clients. This role involves providing bespoke financial advice, investment management, and wealth planning services tailored to the unique needs of NRI clients.

Key Responsibilities:

Client Relationship Management:

- Build and maintain long-term relationships with high-net-worth NRI clients.

- Understand clients' financial goals, risk tolerance, and investment preferences.

- Conduct regular reviews and updates with clients to ensure their financial plans remain aligned with their objectives.

Financial Advisory:

- Provide comprehensive financial planning and advisory services, including retirement planning, tax optimization, estate planning, and education fee planning.

- Develop and implement tailored investment strategies that meet clients' financial goals.

Investment Management:

- Construct and manage bespoke investment portfolios, ensuring diversification and alignment with clients' risk tolerance.

- Monitor and review investment performance, making adjustments as necessary to optimise returns.

Business Development:

- Identify and pursue new business opportunities within the NRI market.

- Conduct seminars, webinars, and networking events to attract potential clients.

- Collaborate with internal teams to develop marketing strategies targeting the NRI segment.

Regulatory Compliance:

- Ensure all advisory activities comply with local and international regulatory standards.

- Stay updated on regulatory changes and their impact on clients' financial plans.

Qualifications and Experience:

- Bachelor's degree in Finance, Economics, Business Administration, or a related field. A Master's degree or relevant professional certification (e.g., CFA, CFP) is preferred.

- Minimum of 5 years of experience in wealth management or financial advisory, with a focus on high-net-worth clients with a transferable portfolio of clients and AUM.

- In-depth knowledge of financial products, investment strategies, and wealth planning tools.

- Strong understanding of the financial and regulatory environment affecting NRI clients.

- Excellent communication, interpersonal, and relationship-building skills.

- Proven track record in business development and client acquisition.

Skills and Competencies:

- Client-centric approach with a strong commitment to delivering exceptional service.

- Analytical mindset with the ability to interpret complex financial data and market trends.

- High level of integrity and professionalism.

- Proficiency in financial planning software and CRM systems.

- Ability to work independently and as part of a collaborative team.

Benefits:

- Competitive Salary and Performance-Based Incentives.

- Comprehensive health insurance and retirement benefits.

- Continuous professional development opportunities.

- Supportive and dynamic work environment.

Application Process:

Interested candidates are invited to submit their resume and a cover letter detailing their relevant experience and why they are the right fit for this role.

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Wealth Manager - Dubai - UAE

Dubai, Dubai Independent Resourcing Consultancy Ltd

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Job Description

Position: Wealth Manager

Location: Dubai, UAE

Employment Type: Full-Time

About the Role:

My client, a premier financial services firm, is seeking an experienced and highly motivated Wealth Manager to join their dynamic team in Dubai. This role is pivotal in providing tailored financial advice and wealth management solutions to high-net-worth individuals and families. The ideal candidate will have a proven track record in wealth management, exceptional client relationship skills, and a deep understanding of the financial markets.

Key Responsibilities:

  1. Develop and manage a portfolio of high-net-worth clients, providing personalized financial strategies and investment advice.
  2. Conduct comprehensive financial planning, including investment management, retirement planning, estate planning, and tax optimization.
  3. Analyze clients' financial situations, risk tolerance, and investment goals to create tailored wealth management plans.
  4. Monitor and review clients' investment portfolios, making adjustments as necessary to ensure alignment with their financial objectives.
  5. Stay updated with market trends, economic conditions, and regulatory changes to provide informed advice to clients.
  6. Collaborate with internal teams, including investment analysts and financial planners, to deliver integrated financial solutions.
  7. Maintain strict confidentiality and adhere to all regulatory and compliance requirements.

Qualifications:

  1. Bachelor's degree in Finance, Economics, Business Administration, or a related field (Master's degree or relevant certifications preferred).
  2. Minimum of 5 years of experience in wealth management or a related financial advisory role.
  3. Proven track record of managing and growing a portfolio of high-net-worth clients.
  4. Strong knowledge of financial products, investment strategies, and market dynamics.
  5. Excellent communication, negotiation, and interpersonal skills.
  6. Ability to build and maintain long-term client relationships based on trust and integrity.
  7. Proficiency in financial planning software and tools.
  8. A transferable book of clients with over $5 million in Assets Under Management (AUM) is required.

Skills and Competencies:

  1. Strategic thinking and analytical skills.
  2. High level of professionalism and ethical standards.
  3. Client-focused with a commitment to delivering exceptional service.
  4. Strong organizational and time management skills.
  5. Ability to work independently and as part of a team.

Benefits:

  1. Competitive salary and performance-based incentives.
  2. Comprehensive health and wellness benefits.
  3. Opportunities for professional development and career advancement.
  4. Supportive and collaborative work environment.

Application Process:

Interested candidates are encouraged to apply with their resume and a cover letter detailing their relevant experience and why they are a good fit for this role.

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Wealth Manager - Abu Dhabi

Abu Dhabi, Abu Dhabi Independent Resourcing Consultancy Ltd

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Job Description

As a leading organization in their sector with offices in the UK and across the globe, our client has developed a unique advice proposition which has led to a significant increase in client demand as they expand their presence in the Middle East.

As a Financial Planner in the Middle East, you will be working alongside the Director of the UAE business. Working in a face-to-face capacity with GCC-wide clients, you will be advising clients on medium to longer term financial objectives.

You will be responsible for offering areas of advice covering such areas as Lump Sum Investment, Retirement Planning, Life Insurance, and General Estate Tax Planning.

Desired Skill & Experience
  1. A proven track record of success within an Advisory / Relationship Management capacity, within a financial services organization such as a bank, brokerage or IFA.
  2. Transferable AUM and Active Client Base
  3. Level 4 RDR UK Diploma (or equivalent if not UK based) minimum qualification. Ideally Chartered.
  4. A pro-active and entrepreneurial attitude that has lead the generation of new business, whilst effectively maintaining client relationships in an efficient, holistic fashion.
  5. At least 1 year experience as a Financial Planner.
Benefits
  1. Self-Employed with a competitive bonus scheme
  2. UAE Benefits
  3. Flexible working hours and the option to work from home/ remotely
  4. Full support of an in-house paraplanner
  5. In-house marketing team to support any campaigns you wish to run
  6. In depth training in Repatriation and clients returning with offshore solutions
Unique Proposition

Whether you are an experienced financial planner looking for a new challenge or have recently graduated from university, our client offers a truly unique proposition in the international wealth management space.

With an unrivalled support network consisting of the best in compliance, training, back office, recruitment, tech, and marketing, joining our client allows you to create a future to be proud of whilst living in some of the most amazing places in the world.

Regulation

The most important USP for our client is their strong regulatory background, that has been with us since inception. They hold the necessary licenses to operate in every jurisdiction where they have a physical presence.

Compliance

Underpinning their strong licensing and client offering is their dedicated internal compliance team. Their due diligence ensures they continue to develop new terms of business with investment and insurance providers, while staying ahead of regulatory changes.

Investment Committee

They have an industry leading investment proposition, that is constantly reviewed by their investment committee. Their investment philosophy is based on four key principles: consistency, long term growth, quality investments and diversification.

Operational Support

Their advisers are supported by a large operations team, who handle queries from providers, trustees and clients to ensure the smooth issuance of new business advice.

Business Development

Business Development Managers are in place to introduce their unique proposition prior to setting up a first meeting with an adviser. They are also supported by a dedicated UK based marketing team, who create brochures, sales aids, advertising campaigns and much more.

Team Ethos

Often overlooked, they have a strong team ethos. Their advisers, BDMs and administrative staff spend a lot of time together, and the sense of camaraderie is a real draw.

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Senior Relationship/Wealth Manager

Dubai, Dubai Qataryello

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Job Description

This firm is a Swiss wealth management company based in Dubai, offering bespoke services to private, external asset managers, and institutional clients. They provide a range of offerings including investment advisory, direct access trading, alternative investments, and comprehensive reporting, combining Swiss precision with regional market opportunities.

  • UHNWI Client Acquisition ("Hunting"): Proactively identify, target, and acquire new Ultra-High Net Worth Individual clients across Europe and the Middle East to significantly grow Assets Under Management (AUM).
  • Relationship Management & Portfolio Growth ("Farming"): Cultivate and expand relationships with existing UHNWI clients, providing comprehensive wealth management solutions and ensuring portfolio growth.
  • Tailored Financial Solutions: Design and implement bespoke investment strategies that align with the unique financial goals, risk profiles, and liquidity requirements of UHNWI clients.
  • Compliance & Risk Management: Ensure strict adherence to all internal policies, compliance frameworks, and relevant regulatory requirements in the jurisdictions of operation.
  • Cross-Functional Collaboration: Collaborate effectively with internal teams and product specialists to deliver seamless client service and leverage the firm's full suite of offerings.
  • Possesses 7+ years of progressive wealth management experience , specifically with a proven track record in managing and growing UHNWI client relationships .
  • Demonstrates exceptional ability in both "hunting" (acquiring new UHNWI clients) and "farming" (deepening existing client relationships) to expand AUM.
  • Holds relevant financial qualifications (e.g., CFA, CISI, CFP, or equivalent) and a strong understanding of complex financial strategies for UHNWIs.
  • Is highly knowledgeable about global economic trends, market developments, and relevant regulatory requirements across European and Middle Eastern jurisdictions.
  • Exhibits outstanding interpersonal skills , strategic thinking, and the ability to build long-term trust-based relationships within a dynamic and competitive international environment.
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Wealth Manager - Real Estate Investment (Remote)

Dubai, Dubai Dubizzle Group

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Job Description

Overview

Bayut & dubizzle have the unique distinction of being iconic, homegrown brands with a strong presence across the seven emirates in the UAE. Connecting millions of users across the country, we are committed to delivering the best online search experience.

As part of Dubizzle Group, we are alongside some of the strongest classified brands in the market. With a collective strength of 5 brands, we have more than 123 million monthly users that trust in our dedication to providing them with the best platform for their needs.

We are looking for a Wealth Manager who will be responsible for generating revenue from investors from their base country through sales of Real Estate in KSA. The position holder will generate HNWI and institutional leads of the clients seeking investment in the KSA real estate market, helping them grow their wealth internationally. The incumbent will attend/conduct roadshows, conferences, investment events, and expos to present the real estate assets that are available for purchase. The holder of the position will advise investors about immigration and visa-related processes for seamless transactions.

In this role you will:

Responsibilities
  • In coordination with marketing, generating leads of HNWI in the country where they are based. Following the standard lead management process, qualifying, maturing, and then closing these deals for the investors, willing to buy real estate assets on the KSA market.
  • Seek key partnerships with the investment institutions, banks, agencies, and other lead sources to get a steady stream of potential buyers.
  • Consistently look for events in their base countries where investors come to seek investment opportunities. In coordination with the Headquarters in KSA, conduct roadshows, PR events, investment forums, and conferences.
  • Become an advisor for an end-to-end real estate investment for the clients in the base country. Managing a seamless experience of investing in KSA, as well as consulting for the exit strategy if needed by the client.
  • Being the resident representative of Bayut, the incumbent will be responsible for working on special projects assigned by the line. These projects may include, but are not limited to, areas regarding commercial, regulatory, and financial.
Qualifications
  • Bachelor’s degree in business administration, marketing, communications, or a relevant field
  • 5-10 years of sales or partnership management
  • Proven Commercial sales executive experience, meeting or exceeding targets.
  • Proven Track Record of working with High Net Worth Clients
  • In-depth knowledge of commercial avenues
  • A deep understanding of the market services/products and real estate sales
  • Ability to analyse data to find trends and problems
  • Outstanding communication and interpersonal skills
  • Analytical mind with excellent data collection and analysis skills
  • Excellent organisational and time management skills
  • Adaptability with high level of integrity
  • Ability to listen to and speak with clients, sales members, and other managers is essential for effective real estate sales managers
  • A fast paced, high performing team.
  • Competitive base salary plus commission, offering top performers the ability to significantly increase their income
  • Rewards & Recognitions
  • Learning & Development
Benefits
  • Bayut & dubizzle is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

#KSABayut

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