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Senior Manager - Regulatory compliance
KPMG, Montreal, QC
OverviewAt KPMG, you'll join a team of diverse and dedicated problem solvers, connected by a common cause: turning insight into opportunity for clients and communities around the world. Do you want to work in a dynamic and stimulating environment? This offer is for you! With the objective of continuing to grow and realize its full potential, our practice in the Montreal office is looking for a Manager or Senior Manager with experience in regulatory compliance to help him develop his service offering and grow his team. In compliance with legislation and sound regulatory risk management in the industry, we work with clients to identify, manage and mitigate their regulatory compliance risk exposures. What you will doYou will be involved in a variety of projects with clients in regulatory compliance. You will work closely with the partners in the practice and contribute to business development. Also, as a regulatory compliance Manager or Senior Manager, you will have the following responsibilities: For our clients operating in highly regulated sectors such as banks, insurance companies, securities brokers, asset managers: Provide them with oversight guidance, establishing the governance structure, risk management oversight, roles and responsibilities of the various stakeholders, in order to build a robust and sustainable risk management program, Help organizations integrate compliance risk management into their processes, Supporting senior management in transmitting the compliance culture to their employees, Support the lines of defense in charge of deploying compliance programs, Assessing risks across the organization, Helping our clients gain a comprehensive view of regulatory compliance, Assisting clients in various regulatory risk management engagements, including, risk appetite identification, process identification, evaluation of the design and effectiveness of controls in place to ensure compliance with legislative and regulatory requirements, Act as a consultant on regulatory compliance so that we can provide services in accordance with best practices, legislative and regulatory requirements, Participate in the implementation of integrated risk management and/or be a driving force within a compliance department, Lead a team of consultants while ensuring that the quality of the team's deliverables meets KPMG's standards of excellence and client needs, Coach and train team members, Act as a point of contact with clients to deepen existing relationships, More generally, you will have to: Contribute to business development activities to well position KPMG's Advisory Services on regulatory compliance, both regionally and nationally, Increase the visibility of the practice by participating in events or writing articles related to risk management, Develop service offerings according to practice standards. Maintain a continuous awareness of emerging risks. What you bring to the role At least 10 years of experience in regulatory compliance Bachelor's degree in accounting, law, criminology, finance, business, or related field. Master's degree in law or business an asset, Successful completion of the Chief Compliance Officer Qualifying Examination or other equivalent designation an asset, Knowledge of banking, insurance, securities brokerage, or asset management regulations, General understanding of governance and regulatory compliance, Have the willingness to contribute to internal development activities as well as to business development. Be customer-oriented, understand their issues and propose value-added solutions. Being comfortable with teamwork, coaching and relationship building. Be able to perform well under pressure and manage projects, resources, and budgets appropriately. Be autonomous, have a sense of initiative and priorities. Demonstrate great rigor and attention to details. Good computer skills (Excel, Word, Visio et PowerPoint). Excellent French verbal and written communication skills. Ability to produce concise and structured presentations and reports. Providing you with the support you need to be at your best For more information about KPMG in Canada's Benefits and well-being, click here. Our Values, The KPMG WayIntegrity, we do what is right | Excellence, we never stop learning and improving | Courage, we think and act boldly | Together, we respect each other and draw strength from our differences | For Better, we do what matters KPMG in Canada is a proud equal opportunities employer and we are committed to creating a respectful, inclusive and barrier-free workplace that allows all of our people to reach their full potential. A diverse workforce is key to our success and we believe in bringing your whole self to work. We welcome all qualified candidates to apply and hope you will choose KPMG in Canada as your employer of choice. For more information about Inclusion, Diversity & Equity in Recruitment, please click here . Adjustments and accommodations throughout the recruitment processAt KPMG, we strive for an inclusive recruitment process that allows all candidates to Come As You Are and Thrive with Us. We aim to provide a positive experience and are ready to offer adjustments or accommodations to help you perform at your best. Adjustments (an informal request), i.e. extra preparation time or the option for micro breaks during interviews, and accommodations (a formal request), i.e. accessible communication supports or technology aids are tailored to individual needs and role requirements. To begin a confidential conversation about adjustments or accommodations at any point throughout the recruitment process, we encourage you to contact KPMG's Employee Relations Service team for support by emailing [email protected] or by calling 1-888-466-4778, Option 3. For information about accessible employment at KPMG, please visit our accessibility page .
EDUCATOR (Recall List)
Cree Board of Health and Social Services of James Bay (CBHSSJB), Montreal, QC
SUMMARY OF THE POSITIONPerson who works directly with service users to ensure their education and rehabilitation in an institutional or external setting, in accordance with the intervention programs established in collaboration with the existing team of professionals, to foster the rehabilitation of individuals and/or their reintegration into society. She/he applies education techniques involving activities of daily living in organizing, coordinating and conducting programmed activities aimed at helping these individuals learn and acquire appropriate attitudes and behaviors. She/he observes and analyses the behavior of the service users, participates in assessing their needs and abilities and records their progress by writing up the appropriate reports. She/he is responsible for programming her/his own activities.REQUIREMENTSEducation:Diploma of college studies in specialize education technique or delinquency intervention technique from a school recognized by the Ministère de l'Éducation, du Loisir et du Sport.This class also includes those who, after acquiring relevant experience, have obtained a certificate of college studies in special care counselling or institutional rehabilitation.Will be considered as a class 02: * Applicants with a fourteen (14) year diploma recognized by the competent ministry or a certificate of an exceptional child educator certified by the Ministry of Health and Social Services and the competent ministry; and / or have completed fifty percent (50%) of the general course leading to the official diploma in Institutional Rehabilitation or Special Education (CEGEP course).Experience:Two (2) year of pertinent experience;Knowledge and Abilities:Good knowledge of legislations Youth Protection Act and Youth Criminal Justice Act is a strong asset;Knowledge and experience with autism and behavioral techniques;Knowledge of appropriate ways to handle intervention with challenging behavior;Ability in the identification and analysis of the clientele needs;Ability to communicate theoretical and practical knowledge, as applied to coaching and trainingDemonstrated experience in adapting and implementing activities for the clients;Experience working with individuals, families and community organizations.Knowledge of the issues and context surrounding youth and family development in First Nation northern communities;Ability to integrate Eenou/Eeyou (Cree) culture, values, traditions and teachings into programming;Knowledge of First Nation health/social service models, trends and issues is an asset;Knowledge of Cree culture, language, and social/health issues in Eeyou Istchee is an asset;Ability to work in collaboration with all colleagues;Possess leadership skills in working with individuals and groups;Excellent communication skills, both written and oral.LANGUAGE* Fluent in Cree and in English;* Fluency in French is an asset;OTHER* This position includes on-call periods;* Work schedule : 8 working days, 6 days off.
Claims Advocate/Consultant
Aon, Montreal, QC
Are you someone who loves a client facing opportunity, working as an advocate for clients by collaborating with multiple stakeholders globally? Do you enjoy consulting with and supporting several books of business, valued at multi-million dollars in revenue? If so, we encourage you to explore the open opportunity below! Applicants must be legally authorized to work in Canada. This role is not eligible for sponsorship, and we are unable to sponsor or take over sponsorship of an employment visa or work permit. Aon is in the business of better decisions At Aon, we shape decisions for the better to protect and enrich the lives of people around the world. As an organization, we are united through trust as one inclusive, diverse team, and we are passionate about helping our colleagues and clients succeed. What the day will look like Lead the claims process for corporate clients from start to finish, including notifying carriers of new claims, following up for acknowledgement letters and coverage positions, following up on settlements, remitting settlements to clients and handling all necessary correspondence; Serve as a client advocate to protect their interests in the claims process; Advise Aon’s clients through the claim’s process; Interpret the insurance policy and coverage on behalf of Aon clients; Assist clients and brokers on coverage issues; Act as a technical expert in the following fields: Commercial General Liability, Property, and some Financial Lines including cyber. Negotiate with insurers to obtain successful resolution of claims; Set-up claims protocols on accounts; Request and provide status updates; Seek consent for retention of defence counsel; Establish lines of communication between clients and insurance carriers; Maintain adequate documentation on all claims; Maintain up-to-date records, including file maintenance and computer data maintenance; Maintain strong relationships with insurers, adjusters and other experts in the industry; Assist Account Managers in marketing functions; Any and all other responsibilities as deemed necessary by claims manager to achieve the purpose of the job; How this opportunity is different In this role, you will work closely with the sales team to provide world class customer experience and be a part of the best-in-class client services team in the reinsurance industry. We are looking for a candidate who is excited to lead a team of technicians that support our clients wherein you are the dedicated advocate for your clients and build and implement your individual career development plan with dedicated mentors that will assist you along the way. Skills and experience that will lead to success Bachelor’s degree (BA/BS) from four-year college or equivalent experience Working knowledge of MS Office suite of products Excellent interpersonal and communication skills (both oral and written) Ability to think strategically and analytically Strong attention to detail Professional demeanour Ability to work independently and efficiently Insurance and/or Reinsurance claims experience preferred AMF Commercial Lines license or desire to obtain one; How we support our colleagues In addition to our comprehensive benefits package, we encourage a diverse workforce. Plus, our agile, inclusive environment allows you to manage your wellbeing and work/life balance, ensuring you can be your best self at Aon. Furthermore, all colleagues enjoy two “Global Wellbeing Days” each year, encouraging you to take time to focus on yourself. We offer a variety of working style solutions, but we also recognize that flexibility goes beyond just the place of work... and we are all for it. We call this Smart Working! Our continuous learning culture inspires and equips you to learn, share and grow, helping you achieve your fullest potential. As a result, at Aon, you are more connected, more relevant, and more valued. Aon values an innovative, diverse workplace where all colleagues feel empowered to be their authentic selves. Aon is proud to be an equal opportunity workplace. Aon provides equal employment opportunities to all employees and applicants for employment without regard to race, colour, religion, creed, sex, sexual orientation, gender identity, national origin, age, disability, veteran, marital, domestic partner status, or other legally protected status. We welcome applications from all and provide individuals with disabilities with reasonable adjustments to participate in the job application, interview process and to perform essential job functions once onboard. If you would like to learn more about the reasonable accommodations we provide, email [email protected] #LI-DR1 #LI-HYBRID 2540813
Legal Assistant
WSP Canada, Montreal, QC
WSP is looking for a Legal Assistantto join its legal team at the WSP Global head office in Montreal, QC. Reporting to the Deputy General Counsel and Assistant Corporate Secretary, you will work closely with the Global Legal Team to provide support primarily with respect to Board and Committee matters, legal department matters, and mergers and acquisitions. You will be joining a sophisticated and results-oriented legal team that is part of a dynamic and challenging work environment. Responsibilities: Your primary responsibilities will include: Assisting with Board and Committee matters Document management for Board and committee meetings Coordinating Board and committee calendars Assisting with onboarding of new Board members Preparing expense reports for Board members Assisting in the overall coordination of Board and Committee meetings Coordinating Board and Committee meetings, including invitations and logistics of the day of the meeting Managing other logistics in connection with meetings, including venue selection and catering Printing Board and Committee materials, as needed Coordinating IT support for the day of the meetings Helping with matters that may arise during the meeting such as coordinating with presenters Supporting the overall legal department Document management for the legal team, including document formatting, coordinating and compiling approvals and signatures, filing and organizing of documents Proofreading documents Preparing PowerPoint presentations Coordinating translation of certain policies and documents and reviewing translations Providing administrative support on mergers and acquisitions Coordinating document notarization and legalization Coordinating and attending legal team meetings and continuous learning sessions Booking meetings and meeting rooms Coordinating travel arrangements for legal team members (limited) Preparing expense reports for legal team members (limited) Assisting in the preparation and coordination of other committee meetings, such as the Disclosure Committee General department administrative tasks Processing invoices (limited number) Assisting with budget for the legal department Performing all related tasks Qualifications: Relevant experience as a Legal Assistant (minimum of 3 years) Graduate of an accredited Legal Administrative Assistant program or Diploma of College Studies (DEC) in paralegal technology, an asset Bilingual (French and English), verbal and written A team player with a collaborative approach Rigorous, highly organized and detail-oriented Ability to multitask and prioritize effectively Ability to communicate effectively and with diplomacy, both orally and in writing Resourceful; self-starter; takes initiative Strong sense of ethics and the ability to handle private information with discretion Professional judgment and ability to establish a high degree of credibility Proficient in Microsoft Office suiteWSP is one of the world's leading professional services firms. Our purpose is to future proof our cities and environments.We have over 65,000 team members across the globe. In Canada, our 12,000+ people are involved in everything from environmental remediation to urban planning, from engineering iconic buildings to designing sustainable transportation networks, from finding new ways to extract essential resources to developing renewable power sources for the future.At WSP: We value our people and our reputation We are locally dedicated with international scale We are future focused and challenge the status quo We foster collaboration in everything we do We have an empowering culture and hold ourselves accountable Please Note:Health and Safety is a core paramount value of WSP. Given the importance of keeping one another safe it is expected that you comply with our Health, Safety & Environment (HSE) policy at all times as well as client HSE policies when working at client locations.Offers of employment for safety-sensitive positions involving fieldwork are contingent upon candidates being able to perform key physical tasks of the job as described in the job posting and interview. This may include the ability to work in a variety of environmental conditions, such as remote or isolated areas, working alone, and in inclement weather (within safe and reasonable limits).WSP welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.WSP is committed to the principles of employment equity. Only the candidates selected will be contacted.WSP does not accept unsolicited resumes from agencies. For more information please READ THE FULL POLICY.
Account Executive - Professional Services Practice
Aon, Montreal, QC
Are you an effective team player who would thrive in advising global Professional Services clients on their risk retention, risk financing, and risk transfer decisions? If you are looking for an opportunity to apply your insurance industry experience in servicing clients in a global setting, this may be your next career move! This is a hybrid role with the flexibility to work both virtually and from our Montreal office. Applicants must be legally authorized to work in Canada. This role is not eligible for sponsorship, and we are unable to sponsor or take over sponsorship of an employment visa or work permit. Aon is in the business of better decisions. At Aon, we shape decisions for the better to protect and enrich the lives of people around the world. As an organization, we are united through trust as one inclusive, diverse team, and are passionate about helping our colleagues and clients succeed. What the day will look like As part of an industry-leading Professional Services Practice team, you will help empower results for our clients by delivering risk financing consulting and insurance/reinsurance broking services to large global Professional Services accounting and consulting firms. As an Account Executive servicing our clients, you will help the team to bring the best of Aon to ensure all of clients’ needs and deliverables are promptly met with quality and innovation. How this opportunity is different This is a truly unique position residing in Aon’s Professional Services Practice, which is the leader in our segment in delivering high-quality work product in a supportive team environment where client demands are high and constantly changing. Joining a global organization also comes with opportunities for advancements, cross-training, involvement on local, national and global projects and ability to participate and drive innovative projects and solutions across all solution and product lines. Major Responsibilities Include: Participate in, and assist team with, the delivery of services and advice to clients’ risk managers and offices of general counsel. Provide advice to senior client contacts regarding their insurance programs, Aon deliverables, and in response to requests and inquiries. Prepare underwriting submissions and claims exhibits for commercial insurers. Draft and prepare policy documentation and endorsements and prepare wording comparisons across different risks, when necessary. Prepare premium invoices and compute applicable taxes, and track the receipt and flow of funds. Support the accurate organization and administration of clients’ claims data and its extraction for reporting purposes. Prepare and analyze statistical exhibits and presentations in relation to historical claims experience. Collaborate with team members and Aon’s actuaries to analyze the cost of risk for the setting of insurance premiums. Prepare reports, summaries, papers, and meeting materials for delivery directly to clients. Participate in business development within the practice and the exploration of new and evolving risks and potential risk transfer and risk financing solutions. Respond to queries from clients and commercial insurers. Support the preparation and issuance of verifications of insurance. Collaborate with colleagues in other Aon offices (New York, Chicago, London, Bermuda, and elsewhere) in the coordinated delivery of insurance programs and policies to clients. Attend team meetings, maintain team/personal outstanding task lists, and maintain files that clearly and accurately record the activities and communications of the team. Attend training sessions, presentations and meetings that will assist with present and anticipated future responsibilities. Skills and experience that will lead to success Will consider candidates with insurance broking, underwriting, actuarial, captive, or commercial insurance and claims experience - preferably in the professional liability line. Corporate risk management experience, especially in a Professional Services firm environment is a plus. Minimum three to seven years in related insurance experience Strong technical insurance knowledge in specialty lines, in particular professional liability, cyber, employment practices liability and management/directors & offices liability. Ability to coordinate, prioritize, and monitor workflows. Excellent written and verbal communication skills Strong analytical and problem-solving skills Strong interpersonal skills. Motivated and self-directed. Trains and mentors other colleagues effectively as a teammate. Strong attention to detail Bachelor’s degree is required. Insurance licensing as required but not necessary to be considered. How we support our colleagues In addition to our comprehensive benefits package, we encourage a diverse workforce. Plus, our agile, inclusive environment allows you to manage your wellbeing and work/life balance, ensuring you can be your best self at Aon. Furthermore, all colleagues enjoy two “Global Wellbeing Days” each year, encouraging you to take time to focus on yourself. We offer a variety of working style solutions, but we also recognize that flexibility goes beyond just the place of work... and we are all for it. We call this Smart Working! Our continuous learning culture inspires and equips you to learn, share and grow, helping you achieve your fullest potential. As a result, at Aon, you are more connected, more relevant, and more valued. We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law. Please contact us to request an accommodation on [email protected] Aon values an innovative, diverse workplace where all colleagues feel empowered to be their authentic selves. Aon is proud to be an equal opportunity workplace. #li-dr1 #LI-HYBRID 2537189
Bilingual Associate Investment Counsellor (AIC), Montreal
Manulife Financial Corporation, Montreal, QC
We are a leading financial services provider committed to making decisions easier and lives better for our customers and colleagues around the world. From our environmental initiatives to our community investments, we lead with values throughout our business. To help us stand out, we help you step up, because when colleagues are healthy, respected and meaningfully challenged, we all thrive. Discover how you can grow your career, make impact and drive real change with our Winning Team today. Working ArrangementHybridJob DescriptionBilingual Associate Investment Counsellor (AIC), Montreal We are seeking a highly professional individual to assist an Investment Counsellor (IC) based in Montreal in maintaining and growing existing client relationships and actively participating in various initiatives aimed at continuously improving customer satisfaction and engagement. Serving high net worth clients in French and English, the Associate Investment Counsellor AIC will be their primary point of contact for all administrative matters pertaining to their accounts. Bilingual Associate Investment Counsellor AIC, MontrealManulife Private Wealth (“MPW”) delivers exceptional investment counselling services and discretionary portfolio management to high-net-worth clients. At MPW, we believe fresh thinking, open architecture solutions and a global approach should be an integral part of evert Canadian’s financial plan and future. We need people with the skills, energy, and drive to help us continue to service our growing client base. With our head office located in Toronto and offices in Montreal, Calgary and Vancouver, Manulife Private Wealth offers an opportunity to work with a team that values new ideas, and fresh approaches and is committed to developing innovative solutions that will shape the future of our business. As an integral member of Manulife Private Wealth Support, the Associate Investment Counsellor (AIC) will work with an experienced Investment Counsellor (IC) to construct customized investment strategies for high-net-worth (HNW) individuals, trusts and charitable foundations. The AIC will be responsible for assisting the IC in implementing the strategy and managing and monitoring the client portfolios on an ongoing basis. Under the supervision and mentorship of the IC, the AIC will actively manage smaller client relationships while nurturing larger client relationships and facilitate the closure of share of wallet opportunities in the investment portfolio to enable growth of the senior IC’s portfolio. The ultimate purpose of this role is for the AIC to support the IC managing and growing AUM and relationships of direct clients to enable growth of their personal client base through lead opportunities. Main responsibilitiesPerform various day-to-day administrative tasks, demonstrating a commitment to exceptional client service and contribution to team goals.Regularly liaise with custodian and with other departments with regards to various client matters, establishing a strong collaborative relationship and sharing useful ideas to enhance client servicing.Complete account opening documentation and efficiently manage the client onboarding process, ensuring a smooth transition and positive first impression for the client.Coordinate the investment counsellor’s meetings with existing or prospective clients and prepare all required presentation material in a timely manner. This includes the creation of financial plans in partnership with IC, focusing on proactive and effective client service support.Construct custom reporting and portfolio strategies for quarterly reviews or as required, demonstrating a positive client-centric and collaborative communication approach.Under the supervision of the investment counsellor, deliver client advice and recommend portfolio strategies including training based on client IPS, contributing to strategy initiatives.Answer various email and telephone queries from clients and prospective clients, as well as their accountants or consultants, including:Instructions for contributions, withdrawals or transfersRequests for statement or portfolio reportsTax related questionsRequest for new account openingsGeneral questions about the firm and our services. All responses should emphasize effective and proactive client service support.Obtain ongoing account documentation from clients and maintain uptodate client files, as per regulatory and compliance requirements.Familiarize yourself with Manulife’s investment approach and stay abreast of the firm’s strategy, ensuring alignment with client service excellence. Experience and QualificationsUniversity degree, preferably in Business or Economics.Chartered Financial Analyst (CFA) designation preferred but will consider candidates who have completed level II of the program.Additional designations such as Certified Financial Planner (CFP) or Trust of Estate Practitioner (TEP) preferred.Minimum of 5 years of professional experience within the investment industry.Minimum of 3 years portfolio management experience, preferably with high-net-worth clients.Superior client relationship management skills.Exceptional written and verbal communication skills (English and French).Ability to communicate with clients about investment, economic, financial and taxation issues.Proficiency with Microsoft Office and ease in learning new IT tools, such as portfolio management systems and client relationship management databases.Ideal candidate qualificationsStrong focus on high-net-worth client service excellence.Excellent organization, multitasking and priority management skills.Resourcefulness, problem-solving skills, and ability to work autonomously.High attention to detail.Team spirit and ability to thrive in a collaborative work.Advanced analytical, problem-solving, and strategic decision-making skills.A desire to learn and grow.Our commitment to YouValues-first cultureWe lead with our Values every day and bring them to life together.Boundless opportunityWe create opportunities to learn and grow at every stage of your career.Continuous innovationWe invite you to help redefine the future of financial services.Delivering the promise of Diversity, Equity and InclusionWe foster an inclusive workplace where everyone thrives.Championing Corporate CitizenshipWe build a business that benefits all stakeholders and has a positive social and environmental impact. The successful candidate will be required to communicate in English and French in order to support clients from various jurisdictions outside of Quebec.About Manulife and John HancockManulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. With our global headquarters in Toronto, Canada, we operate as Manulife across our offices in Asia, Canada, and Europe, and primarily as John Hancock in the United States. We provide financial advice, insurance, and wealth and asset management solutions for individuals, groups and institutions. At the end of 2022, we had more than 40,000 employees, over 116,000 agents, and thousands of distribution partners, serving over 34 million customers. At the end of 2022, we had $1.3 trillion (US$1.0 trillion) in assets under management and administration, including total invested assets of $0.4 trillion (US $0.3 trillion), and segregated funds net assets of $0.3 trillion (US$0.3 trillion). We trade as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges, and under ‘945’ in Hong Kong.Manulife is an Equal Opportunity EmployerAt Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law. It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact [email protected] & BenefitsThe annual base salary for this role is listed below.Primary LocationMontreal, QuebecSalary range is expected to be between$81,450.00 CAD - $146,610.00 CADIf you are applying for this role outside of the primary location, please contact [email protected] for the salary range for your location. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance.Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence. If you are applying for this role in the U.S., please contact [email protected] for more information about U.S.-specific paid time off provisions.
Senior Credit Solutions Manager, Commercial Banking - Montreal
Scotiabank, Montreal, QC
Requisition ID: 196042Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. PurposeContributes to the overall success of Canadian Business Banking, ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives while also ensuring all activities are conducted in compliance with governing regulations, internal policies and procedures.The Senior Credit Solutions Manager (Sr.CSM) provides financial solutions for clients through various tasks such as risk analysis, deal structuring, credit pricing, negotiation and presentation in concert with the Senior Client Relationship Manager “SCRM”. The incumbent interfaces directly with clients, in partnership with the SCRM. The Sr. CSM liaises with Global Risk Management through the credit decision-making process.The incumbent is a specialist in credit and provides financial solutions for clients through various tasks such as risk analysis, deal structuring, credit pricing, negotiation and presentation. He/She manages a customer portfolio of moderate to higher complexity.The incumbent is responsible for ensuring their portfolio meets compliance to various credit metrics as well as monitoring the portfolio to identify any negative trends. The incumbent works closely with the SCRM, Credit Analysts and Service Specialists.Accountabilities: Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.Contributes to the profitable development of Canadian Business Banking by:Ensuring the timely analysis, structuring and presentation of credit proposals;Providing prompt and sound recommendations in the analysis and presentation of credit proposals; Ensuring effective communication with the SCRM to clearly convey the rationale for decisions, so that they may respond effectively to clients;Recommending pricing for loans and credit-related fees yielding a return commensurate with risk and due regard to profit, administration and competitive considerations;Recommending terms, conditions and covenants to provide a viable banking proposal to the client within sound credit lending practices;Restructuring marginal proposals into bankable deals where possible;Providing guidance and counsel to SCRM, so that they may better serve clients’ needs.Ensures the accurate communication and effective and timely implementation of the terms and conditions of an authorization by:Reviewing all authorizations to ensure accuracy, completeness and clarity;Ensuring prompt follow-up for acceptance of the authorization and reacting swiftly to any problems, amendments, extensions, reporting to senior management and SCRM where necessary; Promptly and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security;Liaising with SCRM to ensure any required changes and follow-up for the accurate execution and delivery of same prior to disbursement of funds.Ensure the ongoing quality of the assigned credit portfolio through control and administration of the specific conditions and reporting requirements, as specified in individual authorizations are adhered to by:Directing and assisting Credit Analysts (CA)/ Service Specialists (SS) in the detailed evaluation of all information received, reporting deficiencies or any negative findings to senior management;Adhere to any regulatory and internal Bank policies and requirements;Advising senior management of any credit weakness developing within individual accounts, by ongoing awareness and analysis of relevant financial, legal, political, technological and industry information.Provide coaching/counselling/Oversight to Credit Analysts by:Developing the credit competencies of the CA’s in relation to assigned accounts;Providing timely performance feedback on credit analysis presented.Champion and support a culture of diversity and other initiatives aligned with the Bank Strategy.Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.Actively pursues effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct.Champions a high performance environment and contributes to an inclusive work environment. Education: University degree in business or economics or other Business Specialty background.Commitment to participate in other training requirements as determined by the Bank from time to time.Skills/Work Experience: Previous work experience of at least 2-5 years is preferred.In-depth knowledge of the Bank’s lending policies, practices and procedures, as well as an awareness of business trends economic, technological, social, legal and political conditions and factors which could affect the viability of a credit.A solid knowledge and understanding of financial statements and accounting principles and policies is a must.Excellent risk assessment and credit skills and ability to structure deals.Strong understanding of loan documentation.Strong knowledge of Canada’s financial services marketplace and of the assigned market area’s key industries, major customers and competitive positioning within the assigned market areas.Solid understanding of the Canadian Business Banking objectives, strategies and structures. To complement this, the incumbent must possess tactical planning skills and implementation/ management skills.Good sales management, coaching, relationship building and leadership skills are essential, along with the ability to influence and motivate others.Must set a positive example of change and encourage others to do the same.Strong interpersonal skills are essential for business development/customer relationship building and to facilitate a positive and effective team environment.Must be able to effectively articulate their views to all levels both within the Bank and externally in the marketplace.Strong personal computer skills and familiarity with word processing, spreadsheet software and planning tools are necessary as the incumbent uses a PC for a variety of communication, sales management and general information activities including preparing documents, monitoring results and responding to enquiries.Strong knowledge of commercial Banking products and services, including systems, routines and operating procedures.Thorough knowledge of Bank’s business lending and deposit products and services, and customer profitability model.Thorough knowledge of competitor offerings and alternative sources of financing.Good knowledge of products and services provided by the Bank’s specialized sales forces and other delivery channels such as Global Banking & Markets, Global Transaction Banking, Global Wealth Management, Retail & Small Business Banking, etc.Thorough knowledge of all commercial management platforms.Working knowledge of services provided by support areas such as Shared Services Business Support. Working Conditions Work in a standard office-based environment; non-standard hours are a common occurrence. No travel. Pursuant to a language needs assessment conducted by Scotiabank, the successful candidate will be required to be able to communicate in English in addition to French because they will be required to work closely with other groups from head office who operate primarily in English and will serve an English and French-speaking clientele frequently. Location(s): Canada : Quebec : Montreal-est || Canada : Quebec : Montreal Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.
Counsel, Labour and Employment
Canadian National Railway, Montreal, QC
At CN, everyday brings new and exciting challenges. You can expect an interesting environment where you’re part of making sure our business is running optimally and safely―helping keep the economy on track. We provide the kind of paid training and opportunities that long-term careers are built on and we recognize hard workers who strive to make a difference. You will be able to thrive in our close-knit, safety-focused culture working together as ONE TEAM. The careers we offer are meaningful because the work we do matters. Join us!Job Summary The Counsel, Labour and Employment (Canada) is responsible for advising on all Labour Relations (LR) and Human Resources (HR) legal issues in Canada. The role provides general and strategic advice on labour and employment law.  The position drafts policies and manages litigation and complaints to third party agencies.  The incumbent leads the Workers Compensation Group.   Main Responsibilities General Employment Advice ·       Advise and oversee third-party investigations of complaints ·       Advise internal clients on any other employment-related legal matters as requested including internal investigations, performance management, discipline, leaves, occupational health and safety matters, and requirements under the Canada Labour Code ·       Review and draft employment related policies Oversight of complaints and litigation ·       Advise on the company’s response to complaints and lawsuits ·       Instruct external counsel handling CN’s response ·       Assist external counsel in collecting relevant documentation from inside CN ·       Make decisions on strategy including settlements ·       Collaborate with executives and managers from other functions to ensure alignment Oversight of Workers Compensation Team ·       Lead a team that manages the Workers Compensation team in Canada  ·       Develop and implement strategies to achieve results Working Conditions The role has standard working conditions in an office environment with a regular work week from Monday to Friday and is eligible to participate in CNs hybrid work policy of 3 days in the office and 2 days remote.  Due to the nature of the role, the incumbent must be able to meet tight deadlines, handle pressure and stress. The role requires minimal travel (10%) within Canada. Requirements Experience Labour and Employment Law ·       Minimum 5 years of experience in labour and employment law, either as in-house or external counsel o   Experience providing general labour and employment law advice including advice related to the Canada Labour Code o   Experience advising on internal complaints as well as complaints to third-party agencies o   Experience advising a federally regulated entity with a large-unionized population* o   Experience working in the transportation, trucking, or railroad industry* o   Experience providing advice on the Official Languages Act* *Any experience for these above would be considered as an asset Education/Certification/Designation ·       Juris Doctor or Equivalent from a recognized law school  ·       Member of the Bar in a province where CN has substantial operations Competencies ·       Collaborates with others and shares information ·       Communicates with impact ·       Demonstrates agility and drives change ·       Knows the business and stays current on industry needs ·       Applies critical thinking Technical Skills/Knowledge ·       General Microsoft Office skills ·       Knowledge of employment laws, including the Canada Labour Code, complaints, and litigation procedures ·       Fluently bilingual, both written and verbal (English, French)* ·       Knowledge of CN Operations*  About CN   CN is a world-class transportation leader and trade-enabler. Essential to the economy, to the customers, and to the communities it serves, CN safely transports more than 300 million tons of natural resources, manufactured products, and finished goods throughout North America every year. As the only railroad connecting Canada’s Eastern and Western coasts with the Southern tip of the U.S. through a 19,500 mile rail network, CN and its affiliates have been contributing to community prosperity and sustainable trade since 1919. CN is committed to programs supporting social responsibility and environmental stewardship. At CN, we work as ONE TEAM, focused on safety, sustainability and our customers, providing operational and supply chain excellence to deliver results.
Senior Legal Counsel
National Bank, Montreal, QC
A career as a Senior Legal Counsel in the team of Legal Advisory Services -Legal Affairs - National Bank Financial is to act for a wide range of stimulating legal mandates as part of an enthusiastic and collegial team while maintaining a good work/life balance. This position will support the significantly expanding activities of Financial Markets and Wealth Management business units and subsidiaries. These activities are part of various services provided to institutional and retail clients which include securities brokerage, the negotiation and drafting of strategic commercial contracts, portfolio management and Capital Markets’ activities (inter alia investment banking and distribution). Legal Advisory Services may also be called upon to advise Management on strategic initiatives including acquisitions. Your job • Act as legal counsel and risk manager for business units regarding all their activities and strategies, including the trade regulation and issue of securities (brokerage and distribution), the implementation of trade, transactional, corporate, financing, sourcing, reorganization or acquisition files, the establishment of partnerships, the corporate governance and information technology and security matters; • Act in complex files with significant strategic and reputational issues; • Analyze, write and negotiate contracts and transactions; • Anticipate and align the legal/regulatory requirements with the business imperatives/needs; • Support special projects by providing focused expertise; • Interact and intervene with authorities from various agencies or external advisors; • In addition to your Canadian market’s interventions, occasionally act for business activities abroad. Your team Within the NBF Legal Affairs sector, you are part of a team of more than 30 colleagues, and you report to the Vice-President, Legal Affairs, Legal Advisory Services Financial Markets and Wealth Management. The Bank values continuous development and internal mobility. Our personalized training programs enable you to master your job and develop new areas of expertise. Basic requirements • Bachelor’s degree in law and member of the Barreau du Québec; • Between 4 and 10 years of relevant experience; • Desirable knowledge on finance, securities matters and general commercial law and willingness to learn; • Autonomy, enthusiasm, integrity and adaptability • Analytical and drafting skills to negotiate complex strategic deals; • Entrepreneurial spirit, strategic approach and leadership focused on results; • Efficient time and priority management skills. Your benefitsIn addition to competitive compensation, upon hiring you’ll be eligible for a wide range of flexible benefits to help promote your wellbeing and that of your family.Health and wellness program, including many optionsFlexible group insuranceGenerous pension planEmployee Share Ownership PlanEmployee and Family Assistance ProgramPreferential banking servicesOpportunities to get involved in community initiativesTelemedicine serviceVirtual sleep clinicThese are a few of the benefits available to you. We have an offer that keeps up with trends as well as your needs and those of your family. Our dynamic work environments and cutting-edge collaboration tools foster a positive employee experience. We actively listen to employees’ ideas. Whether through our surveys or programs, regular feedback and ongoing communication is encouraged.We're putting people firstWe're a bank on a human scale that stands out for its courage, entrepreneurial culture, and passion for people. Our mission is to have a positive impact on peoples' lives. Our core values of partnership, agility, and empowerment inspire us, and inclusivity is central to our commitments. We offer a barrier-free workplace that is accessible to all employees. We want our recruitment process to be fully accessible. If you require accommodation, feel free to let us know during your first conversations with us. We welcome all candidates! What can you bring to our team?Come live your ambitions with us!
Senior Privacy & Compliance Specialist
Coveo Solutions inc., Montreal, QC
Shape tomorrow's privacy standards: Senior specialist needed at Coveo! Coveo is looking for a talented professional with a focus on product and technology to join its Legal Compliance team. This individual will play a critical role in guiding R&D teams through the complex landscape of data privacy and its related laws and regulations, ensuring that our platform adheres to the latest compliance standards and evolves in sync with regulatory changes.  As a senior privacy & compliance specialist, you will report to the Director of Legal Compliance and play a key role in operationalizing privacy across Coveo’s platform.  As a senior privacy & compliance specialist, your responsibilities will include: Deliver strategic legal advice to our R&D team (from a product and technology perspective) to align with business objectives and regulatory requirements on legal issues related to privacy and copyright. Assist in the development, improvement and deployment of Coveo’s privacy program and processes (e.g. privacy assessments, vendor due diligence, risks documentation, internal audits, data processing addendums). Partner with the Legal commercial team to support sales & procurement negotiations with respect to privacy, compliance and product-knowledge. Develop and deliver privacy training and awareness programs for R&D teams and other internal stakeholders (e.g. Legal commercial, Security or Sales teams).  Provide general legal compliance support (e.g. intellectual property, export-control). What we are looking for: The candidate should have extensive experience working on technically complicated privacy issues, communicating with sophisticated product and engineering teams and the ability to take a practical and proactive problem-solving approach to efficiently assess privacy issues.  Here is what will qualify you for the role: 3+ years of experience in privacy, data protection with a strong focus on product counsel. Ability to think outside of the box and be able to provide pragmatic advice beyond the letter of the law while helping Coveo mature its approach to privacy.  Proficient in managing  complex issues with empathy, humility and professionalism.  Fluency in French is required. What would make you stand out: Prior in-house experience within the SaaS industry, ideally advising on the implementation of artificial intelligence and large language models. Proven team player, skilled at collaborating effectively and earning the trust of cross-functional colleagues. Proficiency in privacy by design principles and their application in product development contexts is highly desirable. CIPP certification preferred. Do you think you can bring this role to life? Or add your own color? You don’t need to check every single box; passion goes a long way and we appreciate that skillsets are transferable. Send us your application, we want to hear from you! Join the Coveolife!  We encourage all qualified candidates to apply regardless of, for example, age, gender, disability, gaps in CV, national or ethnic background.
Legal Counsel
SAP, Montreal, QC
We help the world run better At SAP, we enable you to bring out your best. Our company culture is focused on collaboration and a shared passion to help the world run better. How? We focus every day on building the foundation for tomorrow and creating a workplace that embraces differences, values flexibility, and is aligned to our purpose-driven and future-focused work. We offer a highly collaborative, caring team environment with a strong focus on learning and development, recognition for your individual contributions, and a variety of benefit options for you to choose from. PURPOSE & OBJECTIVE SAP seeks a Bilingual Senior Contracts Manager with expertise in public sector to support its ecosystem sales organizations, including both On-Premise and Cloud businesses. Key duties revolve around drafting, negotiating, and managing multiple complex technology license, service, and related agreements. An in-depth understanding of public sector procurement processes and adherence to them are fundamental. The role requires excellent business judgment, the ability to manage multiple tasks simultaneously in a fast-paced environment, and excellent bilingual communication skills. DUTIES & RESPONSIBILITIES Prepare, negotiate, and draft direct customer contracts agreements. Be responsible for negotiating and resolving contract issues across all company lines of business, including licensing, services, data security and privacy. Work closely with internal Contracts, Sales, Pricing, DPO, Shared Services, and Revenue Recognition teams during the drafting and negotiation process. Verify customer user and pricing information provided in the Order Form with the Quote Tool provided by shared services organizations and/or Account Executive, and work with Revenue Recognition team to ensure final business and contract terms do not cause revenue deferrals. Support internal line(s) of business and/or practice area(s) - provide assistance to business leaders and teams on various related issues. This support might include managing external counsel, working on a matrix team with the business, helping to develop/support new programs, and more. Provide internal customer support: Interface with sales, services account teams, their management, and other lines of business representatives to offer support, training, and transfer knowledge. Advise personnel on the legal implications of past and proposed actions, and then formulate solutions to problems. Anticipate problems and initiate actions to resolve them through professional qualifications and experience, in accordance with company policies and procedures. Collaborate with legal colleagues (both global and local) and relevant F/A functions under the direction of the General Counsel or Assistant General Counsel to develop new or updated programs, contract templates, manuals, and other supporting materials, in line with SAP policy and procedure, while mitigating risks to the company and achieving regional/global consistency. Undertake special projects as assigned by the supervisor. EDUCATION & SKILLS A university degree in Law or relevant field is required. An in-depth understanding of public sector procurement is essential. Proven experience in software/cloud licensing, professional services, e-contracts, and critical transaction management. At least 5 years of experience. Complete fluency in French and English is a requirement. Due to the extensive interaction with public sector clients and internal teams, candidates with strong interpersonal skills and a keen eye for detail will be given preference. In addition, a deep understanding of governmental legal and procurement processes will be beneficial.Please note, successful candidates might be subjected to a background verification process with an external vendor. MISSION ET OBJECTIFS SAP recherche un Responsable principal des contrats bilingue doté d'une expertise dans le secteur public pour soutenir les organisations commerciales de son écosystème, pour les activités sur site et dans le nuage. Les tâches principales s'articulent autour de la création, la négociation et la gestion de divers contrats complexes relatifs aux technologies, licences, services ou à des domaines connexes. Il est fondamental de disposer d'une connaissance approfondie des processus d'approvisionnement du secteur public et de veiller à leur respect. Le poste requiert un excellent jugement, la capacité à gérer plusieurs tâches en même temps dans un environnement dynamique, ainsi que d'excellentes compétences en communication bilingue. TÂCHES ET RESPONSABILITÉS Préparer, négocier et élaborer des contrats clients directs. Être responsable de la négociation et de la résolution des problèmes liés aux contrats dans tous les secteurs d'activité de l'entreprise, notamment les licences, les services, la sécurité et la confidentialité des données. Travailler en étroite collaboration avec les équipes internes de Contrats, Ventes, Tarification, DPO, Services partagés et Constatation de produits lors des processus d'élaboration et de négociation. Vérifier les informations relatives à la tarification et au nombre d'utilisateurs qui sont inscrites sur le Formulaire de commande grâce à l'outil de création de devis délivré par les organisations des services partagés et/ou le responsable de compte client; collaborer avec l'équipe de Constatation de produits afin de garantir que l'accord passé et les conditions du contrat ne causent pas de report de la reconnaissance du chiffre d'affaires. Prendre en charge des domaines pratiques et/ou des secteurs d'activité internes et assister les responsables et les équipes professionnelles face à diverses problématiques. La personne à ce poste pourra être amenée à gérer les intervenants juridiques externes, collaborer avec la direction de l'entreprise, participer au développement de nouveaux programmes, etc. Assurer un soutien client interne: servir de point de contact pour les équipes de comptes Ventes et Services, ainsi que pour leurs responsables et d'autres représentants de secteurs d'activité, en leur offrant un soutien, une formation et un transfert de connaissances. Conseiller le personnel sur les conséquences légales des actions passées et futures, puis trouver des solutions aux problèmes. Anticiper les problèmes et engager des actions pour les résoudre grâce à des qualifications professionnelles et à l'expérience, en accord avec les politiques et les procédures de l'entreprise. Sous la responsabilité du Directeur juridique ou de l'adjoint du Directeur juridique, collaborer avec les collègues juristes (à l'échelle mondiale et locale) et les fonctions de comptabilité financière pertinentes à l'élaboration de nouveaux programmes et à la mise à jour de programmes existants, au développement de modèles de contrats, de manuels et autre documentation complémentaire, dans le respect des procédures et politiques de SAP, tout en réduisant les risques pour l'entreprise et en maintenant la cohérence régionale et globale. Entreprendre des projets spéciaux confiés par le superviseur. FORMATION ET COMPÉTENCES Un diplôme universitaire en droit ou dans une discipline connexe est obligatoire. Une connaissance approfondie de l'approvisionnement du secteur public est essentielle. Expérience avérée dans les licences logicielles/infonuagiques, les services professionnels, les contrats électroniques et la gestion des transactions critiques. Au moins 5ans d'expérience. Parfaitement bilingue français-anglais. Comme ce poste interagira intensément avec les clients du secteur public et les équipes internes, la priorité sera donnée aux candidats présentant de grandes compétences relationnelles et ayant le souci du détail. En outre, une compréhension approfondie des processus légaux et d'approvisionnement du gouvernement serait un plus. Veuillez noter que les candidats retenus devront peut-être se soumettre à une vérification des antécédents par un prestataire externe. Bring out your best SAP innovations help more than four hundred thousand customers worldwide work together more efficiently and use business insight more effectively. Originally known for leadership in enterprise resource planning (ERP) software, SAP has evolved to become a market leader in end-to-end business application software and related services for database, analytics, intelligent technologies, and experience management. As a cloud company with two hundred million users and more than one hundred thousand employees worldwide, we are purpose-driven and future-focused, with a highly collaborative team ethic and commitment to personal development. Whether connecting global industries, people, or platforms, we help ensure every challenge gets the solution it deserves. At SAP, you can bring out your best. We win with inclusion SAP's culture of inclusion, focus on health and well-being, and flexible working models help ensure that everyone - regardless of background - feels included and can run at their best. At SAP, we believe we are made stronger by the unique capabilities and qualities that each person brings to our company, and we invest in our employees to inspire confidence and help everyone realize their full potential. We ultimately believe in unleashing all talent and creating a better and more equitable world. SAP is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to the values of Equal Employment Opportunity and provide accessibility accommodations to applicants with physical and/or mental disabilities. If you are interested in applying for employment with SAP and are in need of accommodation or special assistance to navigate our website or to complete your application, please send an e-mail with your request to Recruiting Operations Team: [email protected]. For SAP employees: Only permanent roles are eligible for the SAP Employee Referral Program, according to the eligibility rules set in the SAP Referral Policy . Specific conditions may apply for roles in Vocational Training. EOE AA M/F/Vet/Disability: Qualified applicants will receive consideration for employment without regard to their age, race, religion, national origin, ethnicity, age, gender (including pregnancy, childbirth, et al), sexual orientation, gender identity or expression, protected veteran status, or disability. SAP believes the value of pay transparency contributes towards an honest and supportive culture and is a significant step toward demonstrating SAP's commitment to pay equity. SAP provides the annualized compensation range inclusive of base salary and variable incentive target for the career level applicable to the posted role. The targeted combined range for this position is 68,500 - 151,200 CAD. The actual amount to be offered to the successful candidate will be within that range, dependent upon the key aspects of each case which may include education, skills, experience, scope of the role, location, etc. as determined through the selection process. Any SAP variable incentive includes a targeted dollar amount, and any actual payout amount is dependent on company and personal performance. Please reference this link for a summary of SAP benefits and eligibility requirements: www.SAPNorthAmericaBenefits.com Requisition ID: 395061 | Work Area: Administration | Expected Travel: 0 - 10% | Career Status: Professional | Employment Type: Regular Full Time | Additional Locations: #LI-Hybrid Requisition ID: 395061 Posted Date: May 15, 2024 Work Area: Administration Career Status: Professional Employment Type: Regular Full Time Expected Travel: 0 - 10% Location: Montreal, Quebec, CA, H3B 0B3