Hudson Valley Credit Union is currently recruiting for the position of Wealth Managemetn Administrative Assistant. Primary Function: Provide administrative and clerical support to the Wealth Management office. Handle all administrative activities for the VP of Financial Services, AVP Operations, and Sales Assistants.

• Answer phone in a professional and courteous manner while providing information about our services, referring caller to the appropriate Wealth Management Financial Consultant or HVCU department, answer operational inquiries with respect, tact and diplomacy.
• Create and maintain client files, prepare all documents, applications, checks or forms for submission to broker/dealer to be imaged; follow up to ensure documents are clearly legible.
• Review, evaluate and process referrals within service level standards, create client record in CRM database, or enter into existing record, schedule appointment when possible, forward referral to appropriate Sales Assistant. Deliver CRS disclosure via phone or email in compliance with broker/dealer requirements. Enter notes into CRM management of all activity related to a client or prospect account.
• Manage and order Wealth Management department supplies.  Organize and maintain Wealth Management supply room.
• Maintain Wealth Management client correspondence and update information. Open and distribute daily mail, handle all incoming and outgoing faxes.
• Manage monthly reports for referral activity from HVCU employees sent to Wealth Management, integrate data into existing Excel spread sheets, formulate totals and submit final report to HVCU Human Resources department on a monthly basis.
• Arrange Wealth Management staff meetings. Schedule appointments and update event calendars.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required
• Series 6 or ability to attain within 6 months is preferred.
• Series 63 or ability to attain within 6 months is preferred. 
• Minimum 1 Year Administrative experience, preferably in a financial institution experience is  preferred. 

Click here to view full job description

Join a team where your growth matters. At Hudson Valley Credit Union, we offer a supportive, community-focused culture, competitive benefits, and opportunities to grow your career while making a meaningful impact.Come be part of a Great Place to Work!  

Employee Perks: 

• Base & Variable Pay Structures 

• Paid Personal, Holiday & Volunteer Time Off 

• Professional Development Training through HVCU University & Academy 

• Student Loan Repayment & Tuition Reimbursement Programs 

• Medical, Dental & Vision Coverage 

• 401(k) With Employer Match & Non-Elective Employer Contribution 

• Life, Short-term & Long-term Disability Insurances 

• Discounted Loan Rates & Fees  

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. 

• High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate required
• Series 6 or ability to attain within 6 months is preferred.
• Series 63 or ability to attain within 6 months is preferred. 
• Minimum 1 Year Administrative experience, preferably in a financial institution experience is  preferred. 

Click here to view full job description

• Answer phone in a professional and courteous manner while providing information about our services, referring caller to the appropriate Wealth Management Financial Consultant or HVCU department, answer operational inquiries with respect, tact and diplomacy.
• Create and maintain client files, prepare all documents, applications, checks or forms for submission to broker/dealer to be imaged; follow up to ensure documents are clearly legible.
• Review, evaluate and process referrals within service level standards, create client record in CRM database, or enter into existing record, schedule appointment when possible, forward referral to appropriate Sales Assistant. Deliver CRS disclosure via phone or email in compliance with broker/dealer requirements. Enter notes into CRM management of all activity related to a client or prospect account.
• Manage and order Wealth Management department supplies.  Organize and maintain Wealth Management supply room.
• Maintain Wealth Management client correspondence and update information. Open and distribute daily mail, handle all incoming and outgoing faxes.
• Manage monthly reports for referral activity from HVCU employees sent to Wealth Management, integrate data into existing Excel spread sheets, formulate totals and submit final report to HVCU Human Resources department on a monthly basis.
• Arrange Wealth Management staff meetings. Schedule appointments and update event calendars.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

Hudson Valley Credit Union is currently recruiting for the position of Manager Member Operations Analytics. Primary function: Lead the Member Operations Analytics team in developing and executing a data-driven strategy that supports operational efficiency and member experience. Deliver timely, actionable insights through data consolidation, reporting, advanced analytics, and dashboard management for each line of business aligned under the Member Operations department. Create clear and compelling presentations to communicate findings, trends, and recommendations.

• Translate leadership reporting needs and integrate industry data analytic trends to define and deliver a business analytics strategy and roadmap. Champion and lead data consolidation, reporting, dashboard, and business analytics programs.
• Oversee the technical operations of the Member Operations analytical area including report and dashboard project management, code review, and data warehouse architecture decisions.
• Responsible for timely implementation, testing, integration and monitoring of new custom programming to support Member Operations’ initiatives.
• Work with the Director of Member Operations Administration to assist in the development and implementation of long-range strategic plans to address the evolving information processing needs of the Member Operations teams.
• Remain current in emerging data analytic trends primarily related to the financial services industry.
• Liaison with other departments across the Credit Union including IT, Banking Division, Risk, Finance, and others to ensure Member Operations’ data needs are being met.
• Develop and maintain effective and productive working relationships with Member Operations departments as well as across the other Credit Union departments. Work with the Director of Member Operations Administration, key stakeholders, and the user community to create, modify and test the Credit Union’s data visualization software.
• Ensure employees’ adherence to service guidelines and that superior service is provided at all times. Interview, hire, and develop Member Operations Analytics staff, and is responsible for quality work output of employees.
• Conduct regular meetings to provide staff with updated department and Credit Union initiatives. Evaluate and coach employees on a regular basis and provide appropriate feedback. Responsible for employee training and development. Mentor departmental staff on assignments and promote team environment.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• Bachelor’s Degree in Finance, Business Administration preferred
• Six Sigma Lean Certification preferred
• Minimum 6 Years Operations experience required
• Minimum 6 Years Leadership experience required
• Minimum 5 Years Financial Services experience required
• Minimum 4 Years Technology/Reporting experience required
• Minimum 2 Years Project Management experience required

Click here to view full job description

Join a team where your growth matters. At Hudson Valley Credit Union, we offer a supportive, community-focused culture, competitive benefits, and opportunities to grow your career while making a meaningful impact.Come be part of a Great Place to Work!  

Employee Perks: 

• Base & Variable Pay Structures 

• Paid Personal, Holiday & Volunteer Time Off 

• Professional Development Training through HVCU University & Academy 

• Student Loan Repayment & Tuition Reimbursement Programs 

• Medical, Dental & Vision Coverage 

• 401(k) With Employer Match & Non-Elective Employer Contribution 

• Life, Short-term & Long-term Disability Insurances 

• Discounted Loan Rates & Fees  

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. 

• Bachelor’s Degree in Finance, Business Administration preferred
• Six Sigma Lean Certification preferred
• Minimum 6 Years Operations experience required
• Minimum 6 Years Leadership experience required
• Minimum 5 Years Financial Services experience required
• Minimum 4 Years Technology/Reporting experience required
• Minimum 2 Years Project Management experience required

Click here to view full job description

• Translate leadership reporting needs and integrate industry data analytic trends to define and deliver a business analytics strategy and roadmap. Champion and lead data consolidation, reporting, dashboard, and business analytics programs.
• Oversee the technical operations of the Member Operations analytical area including report and dashboard project management, code review, and data warehouse architecture decisions.
• Responsible for timely implementation, testing, integration and monitoring of new custom programming to support Member Operations’ initiatives.
• Work with the Director of Member Operations Administration to assist in the development and implementation of long-range strategic plans to address the evolving information processing needs of the Member Operations teams.
• Remain current in emerging data analytic trends primarily related to the financial services industry.
• Liaison with other departments across the Credit Union including IT, Banking Division, Risk, Finance, and others to ensure Member Operations’ data needs are being met.
• Develop and maintain effective and productive working relationships with Member Operations departments as well as across the other Credit Union departments. Work with the Director of Member Operations Administration, key stakeholders, and the user community to create, modify and test the Credit Union’s data visualization software.
• Ensure employees’ adherence to service guidelines and that superior service is provided at all times. Interview, hire, and develop Member Operations Analytics staff, and is responsible for quality work output of employees.
• Conduct regular meetings to provide staff with updated department and Credit Union initiatives. Evaluate and coach employees on a regular basis and provide appropriate feedback. Responsible for employee training and development. Mentor departmental staff on assignments and promote team environment.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

Hudson Valley Credit Union is currently recruiting for the position of Manager Identity and Access. Primary Function: The Identity and Access Manager is a critical role responsible for the strategy, design, implementation, and maintenance of the credit union's Identity and Access Management (IAM) program. This individual will ensure that all the employees of the credit union have the appropriate access to systems, applications, and data while adhering to the principle of least privilege. The role requires a deep understanding of cybersecurity principles, regulatory compliance and a commitment to protecting member and credit union data from unauthorized access. The manager will work collaboratively with other areas within IT, security, audit, and business stakeholders to enhance the security posture and operational efficiency of the organization.

• Create and maintain the credit union’s overall Identity and Access Management (IAM) strategy, policies, and procedures in alignment with security best practices and regulatory requirements.
• Oversee the entire lifecycle of user identities and access, from initial provisioning and role assignment to regular access reviews and timely de-provisioning.
• Work directly with internal and external auditors to ensure that all access controls and IAM processes meet industry regulations, responding to audit findings and implementing corrective actions.
• Manage and maintain critical identity platforms, including Active Directory, Azure AD, and other enterprise identity governance tools.
• Deploy and administer secure authentication methods, such as Multi-Factor Authentication (MFA) and Single Sign-On (SSO), to protect sensitive systems and data.
• Lead the management and security of privileged accounts to minimize the risk of insider threats and unauthorized access to critical infrastructure.
• Systematically review user access permissions to ensure they are appropriate and adhere to the principle of least privilege.
• Collaborate with IT, security, audit, and business leaders to understand their access needs, resolve issues, and ensure IAM solutions support business operations without compromising security.
• Act as a key responder for any access-related security incidents, identifying unauthorized access attempts and implementing immediate remediation measures.
• Act as the key responder for user access related audits by internal audit, external partners and regulatory bodies.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• Bachelor’s Degree in Business Administration, Human Resources or related field or at least 2 years equivalent experience for each undergraduate year not completed required; undergraduate degree cannot substitute for minimum number of years of experience in Information Technology, Computer Science or related field required
• Minimum 5 years experience in Information Technology or Cybersecurity roles required
• Minimum 3 years Hands-on experience in Identity and Access Management (IAM) required
• Minimum 3 years Experience with enterprise-level identity management platforms such as: Active Directory, Azure AD, SailPoint, or similar identity governance and administration (IGA) tools required
• Minimum 2 years Proficiency in scripting and automation (e.g., PowerShell, Azure CLI) preferred
• Mnimum 2 years Expertise in planning, deploying & support end-point solutions preferred
• Minimum 2 years Work history in Credit Union or Financial Institution preferred

Click here to view full job description

Join a team where your growth matters. At Hudson Valley Credit Union, we offer a supportive, community-focused culture, competitive benefits, and opportunities to grow your career while making a meaningful impact.Come be part of a Great Place to Work!  

Employee Perks: 

• Base & Variable Pay Structures 

• Paid Personal, Holiday & Volunteer Time Off 

• Professional Development Training through HVCU University & Academy 

• Student Loan Repayment & Tuition Reimbursement Programs 

• Medical, Dental & Vision Coverage 

• 401(k) With Employer Match & Non-Elective Employer Contribution 

• Life, Short-term & Long-term Disability Insurances 

• Discounted Loan Rates & Fees  

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. 

• Bachelor’s Degree in Business Administration, Human Resources or related field or at least 2 years equivalent experience for each undergraduate year not completed required; undergraduate degree cannot substitute for minimum number of years of experience in Information Technology, Computer Science or related field required
• Minimum 5 years experience in Information Technology or Cybersecurity roles required
• Minimum 3 years Hands-on experience in Identity and Access Management (IAM) required
• Minimum 3 years Experience with enterprise-level identity management platforms such as: Active Directory, Azure AD, SailPoint, or similar identity governance and administration (IGA) tools required
• Minimum 2 years Proficiency in scripting and automation (e.g., PowerShell, Azure CLI) preferred
• Mnimum 2 years Expertise in planning, deploying & support end-point solutions preferred
• Minimum 2 years Work history in Credit Union or Financial Institution preferred

Click here to view full job description

• Create and maintain the credit union’s overall Identity and Access Management (IAM) strategy, policies, and procedures in alignment with security best practices and regulatory requirements.
• Oversee the entire lifecycle of user identities and access, from initial provisioning and role assignment to regular access reviews and timely de-provisioning.
• Work directly with internal and external auditors to ensure that all access controls and IAM processes meet industry regulations, responding to audit findings and implementing corrective actions.
• Manage and maintain critical identity platforms, including Active Directory, Azure AD, and other enterprise identity governance tools.
• Deploy and administer secure authentication methods, such as Multi-Factor Authentication (MFA) and Single Sign-On (SSO), to protect sensitive systems and data.
• Lead the management and security of privileged accounts to minimize the risk of insider threats and unauthorized access to critical infrastructure.
• Systematically review user access permissions to ensure they are appropriate and adhere to the principle of least privilege.
• Collaborate with IT, security, audit, and business leaders to understand their access needs, resolve issues, and ensure IAM solutions support business operations without compromising security.
• Act as a key responder for any access-related security incidents, identifying unauthorized access attempts and implementing immediate remediation measures.
• Act as the key responder for user access related audits by internal audit, external partners and regulatory bodies.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

Hudson Valley Credit Union is currently recruiting for the position of Automation Platforms Manager. Primary Function: manage a team responsible for the development planning, design, operational readiness, and support cloud computing of the automation platform including, but not limited to RPA, Batch, and CI/CD. This will require both technical and leadership competencies to manage and help coordinate major initiatives, coordinating multiple departments, service lines, platforms, and various administrative interfaces with overall business/financial solutions. Manage projects involving high business risk, scope, and impact to the organization; leads and facilitates strategic projects and is involved in evaluating and researching new and existing products, procedures, workflows and needs associated with environments. The individual will help execute the strategy and will provide insight to leaders, peers, and team members on the delivery. 

• Oversee and manage all automation development projects, ensuring they are completed on time and within budget.
• Develop and implement automation strategies to improve efficiency and productivity.
• Lead, mentor, and manage a team of software developers, promoting a culture of continuous improvement and innovation.
• Plan, manage, troubleshoot, and deploy client/server-based applications.
• Automate workflows using Python, Jenkins, GIT, BASH, Ansible, and third-party API's along with RPA, Batch technologies, and other available tools.
• Building micro services based on containerized applications.
• Familiarity with major cloud providers (Azure, AWS) and hybrid environments. 
• Work closely with stakeholders to identify, prioritize business requirements, and create functional user stories that align with business requirements.
• Act as a subject matter expert on how our internal systems/processes relate to one another to manage, prioritize, and respond to ad-hoc requests from a large and diverse group of individuals in a timely manner.
• Partner with cross-functional teams to define and implement scalable, repeatable lead management processes that enable efficiencies across all platforms and business areas.
• Manages projects involving high business risk, scope, and impact on the organization.
• Leads and facilitates strategic projects and is involved in evaluating and researching new and existing products, procedures, workflows and needs associated with environments.
• Conduct regular meetings to provide staff with updated department and Credit Union initiatives. Evaluate and coach employees on a regular basis and provide appropriate feedback.
• Responsible for employee training and development. Mentor departmental staff on assignments and promote team environment.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.
  

• Bachelor’s Degree or 2 years experience in computer science or related field required. 
• Minimum 7 Years experience in software development/lead or management position is required. 
• Minimum 2 Years experiece developing and/or managing REST & SOAP web service API(s) is preferred.
• Minimum 5 Years leading the design, implementation and integration of open hybrid cloud platforms  is required.
• Minimum 2 Years experience working in an Agile, Scum, and/or DevOps environment, working to improve the cloud life cycle, infrastructure & application uptime, availability, etc., is required.

Click here to view full job description

Join a team where your growth matters. At Hudson Valley Credit Union, we offer a supportive, community-focused culture, competitive benefits, and opportunities to grow your career while making a meaningful impact.Come be part of a Great Place to Work!  

Employee Perks: 

• Base & Variable Pay Structures 

• Paid Personal, Holiday & Volunteer Time Off 

• Professional Development Training through HVCU University & Academy 

• Student Loan Repayment & Tuition Reimbursement Programs 

• Medical, Dental & Vision Coverage 

• 401(k) With Employer Match & Non-Elective Employer Contribution 

• Life, Short-term & Long-term Disability Insurances 

• Discounted Loan Rates & Fees  

Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. 

• Bachelor’s Degree or 2 years experience in computer science or related field required. 
• Minimum 7 Years experience in software development/lead or management position is required. 
• Minimum 2 Years experiece developing and/or managing REST & SOAP web service API(s) is preferred.
• Minimum 5 Years leading the design, implementation and integration of open hybrid cloud platforms  is required.
• Minimum 2 Years experience working in an Agile, Scum, and/or DevOps environment, working to improve the cloud life cycle, infrastructure & application uptime, availability, etc., is required.

Click here to view full job description

• Oversee and manage all automation development projects, ensuring they are completed on time and within budget.
• Develop and implement automation strategies to improve efficiency and productivity.
• Lead, mentor, and manage a team of software developers, promoting a culture of continuous improvement and innovation.
• Plan, manage, troubleshoot, and deploy client/server-based applications.
• Automate workflows using Python, Jenkins, GIT, BASH, Ansible, and third-party API's along with RPA, Batch technologies, and other available tools.
• Building micro services based on containerized applications.
• Familiarity with major cloud providers (Azure, AWS) and hybrid environments. 
• Work closely with stakeholders to identify, prioritize business requirements, and create functional user stories that align with business requirements.
• Act as a subject matter expert on how our internal systems/processes relate to one another to manage, prioritize, and respond to ad-hoc requests from a large and diverse group of individuals in a timely manner.
• Partner with cross-functional teams to define and implement scalable, repeatable lead management processes that enable efficiencies across all platforms and business areas.
• Manages projects involving high business risk, scope, and impact on the organization.
• Leads and facilitates strategic projects and is involved in evaluating and researching new and existing products, procedures, workflows and needs associated with environments.
• Conduct regular meetings to provide staff with updated department and Credit Union initiatives. Evaluate and coach employees on a regular basis and provide appropriate feedback.
• Responsible for employee training and development. Mentor departmental staff on assignments and promote team environment.
• Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.
  
• Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.
  
• Responsible for regular and predictable attendance including punctuality.