Financial Officer Resume Examples & Templates
4 free customizable and printable Financial Officer samples and templates for 2025. Unlock unlimited access to our AI resume builder for just $9/month and elevate your job applications effortlessly. Generating your first resume is free.
Financial Officer Resume Examples and Templates
Junior Financial Officer Resume Example and Template
Emily Johnson
New York, NY • [email protected] • +1 (555) 987-6543 • himalayas.app/@emilyjohnson
Professional summary
Education
Experience
- Assisted in preparing quarterly financial reports that enhanced decision-making processes for senior management.
- Monitored expenditures and provided insights that led to a 15% reduction in operational costs.
- Collaborated with cross-functional teams to streamline financial workflows and improve reporting accuracy.
- Conducted financial modeling and analysis to support investment decisions, contributing to a 10% increase in portfolio performance.
- Assisted in the preparation of annual budgets and forecasts, ensuring alignment with strategic goals.
- Prepared presentations for quarterly business reviews with stakeholders.
Skills
Technical: Financial Analysis, Budgeting, Reporting, Excel, Financial Modeling
What's this resume sample doing right?
Strong quantifiable results
The resume features impressive achievements, like a 15% reduction in operational costs and a 10% increase in portfolio performance. These specific numbers clearly demonstrate the candidate's impact, which is vital for a Financial Officer role.
Relevant experience
The candidate has relevant experience as a Junior Financial Officer at Goldman Sachs, showcasing responsibilities in financial reporting and analysis. This directly aligns with the key duties of a Financial Officer.
Clear skills section
The skills section effectively lists essential competencies like Financial Analysis and Budgeting. This aligns well with the expectations for a Financial Officer and helps with ATS matching.
Compelling summary statement
The summary highlights the candidate's detail-oriented approach and relevant experience. It effectively sets the tone for the resume, making it engaging for hiring managers in the financial sector.
How could we improve this resume sample?
Limited keyword variety
The resume could benefit from more varied industry keywords relevant to a Financial Officer role. Including terms like 'financial forecasting' or 'risk management' would enhance ATS compatibility and appeal to hiring managers.
Lacks specific tools mentioned
The skills section lists general skills but misses specific tools or software used in finance. Mentioning tools like 'QuickBooks' or 'SAP' could strengthen the resume and better match job postings.
Experience details could be expanded
While the experience section is solid, expanding on some responsibilities and achievements with more detail could provide a clearer picture of the candidate's contributions, especially in leadership or strategic roles.
Formatting could be improved
The resume's formatting could use a bit more structure. Clear section headings and consistent bullet points would enhance readability and make it easier for ATS to parse the information.
Financial Officer Resume Example and Template
Amit Verma
Detail-oriented Financial Officer with over 10 years of experience in financial management, strategic planning, and risk assessment within the IT services sector. Proven track record of optimizing financial processes to enhance operational efficiency and drive profitability.
Experience
- Implemented financial strategies that increased revenue by 25% over two years.
- Streamlined budgeting processes, reducing overhead costs by 15% annually.
- Managed financial forecasting and reporting, ensuring compliance with regulatory standards.
- Developed financial models that improved decision-making processes for project investments.
- Conducted comprehensive risk assessments, identifying potential financial pitfalls.
- Collaborated with cross-functional teams to enhance reporting accuracy and timeliness.
Education
Skills
What's this resume sample doing right?
Strong quantifiable achievements
The resume highlights impactful results, such as increasing revenue by 25% and reducing costs by 15%. These quantifiable achievements catch the eye of hiring managers for a Financial Officer role, showing the candidate's ability to drive financial success.
Relevant work experience
The candidate has extensive experience in financial management, particularly in the IT sector. This background aligns well with the expectations for a Financial Officer, showcasing familiarity with industry-specific challenges and opportunities.
Clear and concise summary
The resume opens with a concise summary that clearly states the candidate's experience and skills. This immediately positions them as a strong contender for the Financial Officer role, as it emphasizes both their strategic planning and risk assessment abilities.
Diverse skill set
The skills section includes essential areas like budgeting, risk management, and regulatory compliance. This comprehensive skill set is critical for a Financial Officer, ensuring the candidate meets various financial and operational needs.
How could we improve this resume sample?
Limited use of industry-specific keywords
The resume could benefit from incorporating more targeted keywords related to financial officer roles, such as 'financial reporting' or 'cash flow management'. This can enhance ATS compatibility and improve visibility to hiring managers.
More detail on strategic initiatives
While the resume mentions implementing financial strategies, it lacks specifics on what those strategies were and their broader impact. Adding this context can better showcase the candidate's strategic thinking and leadership skills applicable to the Financial Officer role.
Education details could be more prominent
The education section is important but feels secondary. Highlighting the MBA in Finance earlier or integrating it into the summary could enhance the candidate's qualifications and appeal for the Financial Officer position.
Formatting inconsistencies
The resume uses bullet points effectively, but the overall formatting could be more consistent, especially in the education section. Ensuring uniformity in how information is presented helps in readability and makes a better impression.
Senior Financial Officer Resume Example and Template
Ana Beatriz Silva
Accomplished Senior Financial Officer with over 10 years of experience in financial management, strategic planning, and risk assessment. Proven track record in optimizing financial operations and driving organizational growth in competitive markets.
Experience
- Developed and implemented financial strategies that increased profitability by 25% over three years
- Led a team of 15 finance professionals, enhancing team productivity through training and development
- Conducted risk assessments that reduced operational risks by 30% through effective mitigation strategies
- Managed annual budgets exceeding $100 million, ensuring alignment with strategic objectives
- Implemented cost-reduction initiatives that saved the company $5 million annually
- Collaborated with cross-functional teams to optimize financial reporting processes, improving reporting accuracy by 40%
- Analyzed financial data to support strategic decisions, contributing to a 15% increase in revenue
- Assisted in the preparation of financial reports and forecasts, enhancing decision-making processes
- Developed financial models that improved budgeting accuracy by 20%
Education
Skills
What's this resume sample doing right?
Strong quantifiable achievements
The resume showcases impressive results, like a 25% increase in profitability and $5 million saved annually. These quantifiable achievements highlight the candidate's ability to drive financial success, which is crucial for a Financial Officer role.
Relevant skills listed
The skills section includes essential financial competencies like 'Financial Analysis' and 'Risk Management.' This alignment with the job requirements helps in passing ATS checks and catches the attention of hiring managers.
Comprehensive work experience
The candidate's work history includes roles with increasing responsibility, demonstrating a clear career progression. This experience is vital for a Financial Officer, showing leadership and strategic planning capabilities.
Clear and concise summary
The summary effectively encapsulates the candidate's expertise and years of experience in financial management. This clarity makes it easy for hiring managers to quickly understand the candidate's value.
How could we improve this resume sample?
Lacks specific technical skills
The resume could benefit from including specific software or financial tools relevant to a Financial Officer role, such as ERP systems or financial modeling software. This would enhance keyword matching with job descriptions.
Work experience could use more context
While the achievements are impressive, providing a brief context for each role would strengthen the impact. Explaining the company's focus or challenges faced could give more depth to the candidate's contributions.
No mention of certifications
Adding any relevant certifications, like CPA or CFA, could enhance credibility. These credentials are often sought after for Financial Officer positions and would further validate the candidate's expertise.
Generic job titles
Using more specific job titles instead of just 'Financial Manager' could improve clarity. For instance, if the role involved strategic financial planning, stating that could better align with the responsibilities of a Financial Officer.
Chief Financial Officer (CFO) Resume Example and Template
Contact
+27 21 123 4567
Skills
• Financial Strategy
• Budgeting
• Cost Management
• Mergers & Acquisitions
• Financial Analysis
• Team Leadership
• Regulatory Compliance
Thandiwe Nkosi
Johannesburg, South Africa
|
himalayas.app/@thandiwenkosi
Dynamic Chief Financial Officer with over 15 years of experience in financial management and strategic planning. Proven track record of driving financial performance, optimizing costs, and leading teams to achieve business objectives within highly competitive environments.
Professional Experience
FinanceCorp
Johannesburg, South AfricaChief Financial Officer
Apr 2019 - Present- Led financial strategy that resulted in a 25% increase in annual revenue over 3 years.
- Implemented cost-saving initiatives that reduced operational expenses by 15%.
- Managed a team of 30 finance professionals, fostering a culture of excellence and accountability.
Global Investments
Cape Town, South AfricaFinance Director
Jan 2015 - Mar 2019- Oversaw financial operations, including budgeting, forecasting, and reporting, leading to a 20% increase in profitability.
- Redesigned financial reporting processes to enhance transparency and compliance.
- Collaborated with senior management to align financial goals with strategic initiatives.
Capital Advisors
Durban, South AfricaSenior Financial Analyst
Jun 2010 - Dec 2014- Conducted in-depth financial analysis that informed investment decisions, contributing to a 15% ROI.
- Developed financial models to support M&A activities, resulting in successful acquisitions.
- Prepared detailed reports for stakeholders and investors on financial performance and market trends.
Education
University of Cape Town
Cape Town, South AfricaMBA in Finance
2008 - 2010Specialized in corporate finance and investment strategies, graduating with distinction.
University of Johannesburg
Johannesburg, South AfricaB.Com Accounting
2004 - 2007Graduated with honors, focusing on financial management and accounting principles.
What's this resume sample doing right?
Strong impact in work experience
The work experience section showcases significant achievements, like a 25% increase in revenue and a 15% reduction in expenses. These quantifiable results clearly demonstrate Thandiwe's effectiveness as a Financial Officer, highlighting their ability to drive financial growth.
Relevant educational background
Thandiwe holds an MBA in Finance and a B.Com in Accounting, which are both highly relevant for a Financial Officer role. This educational foundation supports their extensive experience and strengthens their qualifications in financial management.
Well-defined leadership experience
The resume emphasizes Thandiwe's leadership skills by noting their management of a team of 30 finance professionals. This shows their capability to lead and develop finance teams, an essential trait for a Financial Officer.
Compelling summary statement
The summary effectively captures Thandiwe's extensive experience and focus on strategic financial growth. It sets a strong tone for the resume, aligning well with the expectations for a Financial Officer.
How could we improve this resume sample?
Lacks specific technical skills
The skills section lists general competencies but could benefit from including specific financial software or tools often used in financial management, like SAP or Oracle. This would enhance the resume's appeal to ATS and hiring managers.
Limited use of industry keywords
While the resume includes relevant skills, it could better incorporate industry-specific keywords found in job descriptions for Financial Officers. Adding terms like 'financial modeling' or 'risk management' could improve ATS optimization.
No clear achievements in education
The education section mentions degrees but lacks details on any honors or specific projects completed during the programs. Highlighting achievements like a thesis or relevant coursework could strengthen this section.
No references to professional certifications
Thandiwe's resume doesn't mention any professional certifications, such as CFA or CPA, which are beneficial for a Financial Officer role. Adding these could enhance credibility and demonstrate commitment to professional development.
1. How to write a Financial Officer resume
Searching for a Financial Officer role can be daunting, especially when you see countless resumes vying for attention. How can you ensure yours stands out? Hiring managers prioritize your ability to drive financial strategy and demonstrate quantifiable results. Unfortunately, many applicants focus too much on generic job responsibilities instead of showcasing their unique impact.
This guide will help you craft a resume that highlights your financial expertise and tangible achievements. You'll learn how to transform simple tasks into compelling statements that showcase your contributions, such as quantifying your role in budget management. We'll focus on sections like your work experience and resume summary. By the end, you'll have a polished resume that effectively communicates your value to potential employers.
Use the right format for a Financial Officer resume
When writing a resume for a Financial Officer position, choosing the right format is crucial. The chronological format works best for candidates with a solid career progression in finance. It allows you to highlight your experiences clearly and logically. If you're a career changer or have gaps in your employment history, consider a combination or functional format. These formats can help emphasize your skills and accomplishments over your work history. Regardless of the format you choose, ensure it's ATS-friendly by using clear sections and avoiding complex graphics.
- Chronological: Best for steady career progression.
- Functional: Focuses on skills, ideal for career changers.
- Combination: Blends skills and experience for a balanced view.
Keep your layout simple and straightforward. This ensures hiring managers can quickly find the information they need.
Craft an impactful Financial Officer resume summary
A resume summary for a Financial Officer should succinctly showcase your experience and expertise. If you're seasoned in finance, use a summary to outline your years of experience, specialization, key skills, and top achievements. For entry-level candidates or career changers, an objective may be more appropriate, focusing on your career goals and relevant skills. A strong summary formula is: '[Years of experience] + [Specialization] + [Key skills] + [Top achievement]'. This helps you stand out to hiring managers and ATS systems.
Emphasize your financial acumen and any quantifiable successes. Tailoring your summary to match job descriptions can significantly improve your chances of getting noticed.
Good resume summary example
Financial Officer with over 10 years of experience in corporate finance and budgeting. Proven track record in developing financial strategies that resulted in a 30% cost reduction at Swift and Sons. Expertise in financial reporting, compliance, and team leadership.
Why this works: This summary clearly states the candidate's experience, specialization, key skills, and a top achievement, making it impactful for hiring managers.
Bad resume summary example
Recent graduate with a degree in finance looking for a Financial Officer position. Interested in working with a reputable company.
Why this fails: While it mentions the degree and interest, it lacks specifics about skills, experience, or achievements, making it less compelling.
Highlight your Financial Officer work experience
When listing your work experience as a Financial Officer, always use reverse-chronological order. Start with your job title, company name, and dates of employment. Each bullet point should start with a strong action verb. Use metrics to quantify your impact whenever possible—for example, 'Increased departmental revenue by 15%' rather than 'Responsible for revenue management'. This approach makes your accomplishments clear and impressive. Consider using the STAR method (Situation, Task, Action, Result) to structure your points effectively.
Employers want to see how you've made a difference in your previous roles, so be specific and results-oriented.
Good work experience example
Developed and implemented a new budgeting process at Senger that reduced financial discrepancies by 40%, enhancing accuracy and saving the company $50,000 annually.
Why this works: The bullet point starts with a strong action verb, highlights a specific achievement, and quantifies the impact, making it very effective.
Bad work experience example
Managed the financial team at Macejkovic and Lind, overseeing daily operations and ensuring deadlines were met.
Why this fails: This statement is vague and lacks quantifiable achievements or specific actions taken, making it less impactful.
Present relevant education for a Financial Officer
For a Financial Officer resume, include essential details like the school name, degree obtained, and graduation year. For recent graduates, make this section more prominent by including GPA or relevant coursework. If you have significant experience, keep it less prominent and typically omit GPA. Certifications relevant to finance, like CPA or CFA, can also be included in this section or a separate one.
Highlighting education and certifications shows your commitment to the field and can set you apart from other candidates.
Good education example
University of Finance
Bachelor of Science in Accounting, May 2015
GPA: 3.8/4.0
Relevant Coursework: Financial Analysis, Corporate Finance
Why this works: This entry is clear, includes relevant information, and highlights a strong GPA, making it compelling for hiring managers.
Bad education example
Some University
Degree in Finance, 2014
Why this fails: The entry lacks specifics like GPA or relevant coursework and the name of the university is vague, making it less effective.
Add essential skills for a Financial Officer resume
Technical skills for a Financial Officer resume
Soft skills for a Financial Officer resume
Include these powerful action words on your Financial Officer resume
Use these impactful action verbs to describe your accomplishments and responsibilities:
Add additional resume sections for a Financial Officer
Consider adding sections like Projects, Certifications, or Volunteer Experience to showcase your additional skills and contributions. These can highlight your initiative and commitment to the finance field. For a Financial Officer role, including certifications like CPA or CFA can significantly boost your profile. Projects that demonstrate financial acumen or successful initiatives can also be impactful.
Good example
Project: Financial Audit at Goldner-Hickle
Led a comprehensive financial audit that identified over $200,000 in cost-saving opportunities, resulting in improved fiscal performance.
Why this works: This project entry highlights a specific achievement with quantifiable results, showcasing the candidate's skills effectively.
Bad example
Volunteer: Helped with fundraising events.
Why this fails: This entry is vague and lacks details about impact or specific contributions, making it less relevant to a Financial Officer role.
2. ATS-optimized resume examples for a Financial Officer
Applicant Tracking Systems (ATS) are software that companies use to filter job applications. They scan resumes for specific keywords and can reject them based on formatting or missing information. For a Financial Officer, it's crucial to optimize your resume so it gets through these systems and lands in front of hiring managers.
To make your resume ATS-friendly, start with standard section titles like 'Work Experience', 'Education', and 'Skills'. Incorporate relevant keywords from Financial Officer job descriptions, such as 'budget management', 'financial analysis', and 'regulatory compliance'. Avoid complex formatting, like tables or images, which ATS might struggle to interpret. Use readable fonts and save your resume as a PDF or .docx file.
Common mistakes include using creative synonyms instead of exact keywords, relying on headers that ATS might ignore, and omitting essential skills or certifications. Make sure to include specifics that relate to financial regulations, software tools, and relevant certifications for the Financial Officer role. By avoiding these pitfalls, you can increase your chances of getting noticed.
ATS-compatible example
Work Experience
Dibbert Group - Financial Analyst (2018 - Present)
- Conducted thorough financial analysis to support budget management and forecasting.
- Ensured compliance with regulatory standards and internal policies.
- Collaborated with cross-functional teams to optimize financial processes.
Why this works: This example uses clear section titles and includes relevant keywords that ATS looks for, like 'financial analysis', 'budget management', and 'regulatory compliance'. It’s straightforward and easy for ATS to read.
ATS-incompatible example
Experience Section
Spinka LLC – Financial Wizard (2020 - Present)
- Managed the money stuff and made sure everything was cool with the rules.
- Helped teams with their numbers and did some budgeting.
Why this fails: Using a non-standard section header like 'Financial Wizard' confuses ATS. The phrases like 'money stuff' are vague and fail to include specific keywords that ATS needs to identify relevant experience, making it less effective.
3. How to format and design a Financial Officer resume
When applying for a Financial Officer position, choosing the right resume template is crucial. A clean, professional layout works best, like a reverse-chronological format. This layout makes it easy for hiring managers and ATS to read your work history and qualifications.
Keep your resume to one page if you're at an entry-level or mid-career stage. If you have extensive experience in finance, you might stretch it to two pages. Just remember to be concise and focus on your most relevant achievements.
For fonts, go with professional and ATS-friendly choices like Calibri or Arial in 10 to 12pt for the body and 14 to 16pt for headers. Make sure there's enough white space to keep it from looking cluttered. Using simple formatting helps both humans and ATS parse your information easily.
Avoid common mistakes like using complex templates with columns or graphics that confuse ATS. Stick to standard section headings and ensure adequate white space to create a readable document.
Well formatted example
Experience
Financial Officer
Boyer-Oberbrunner
June 2020 - Present
- Managed a budget of $5 million, ensuring fiscal responsibility.
- Improved financial reporting processes, reducing errors by 30%.
This layout clearly highlights the job title, company, and achievements, making it easy for readers to grasp your experience quickly.
Poorly formatted example
Experience
Financial Officer at Hoppe Group
June 2020 - Present
- Managed budgets
- Improved reporting
- Worked with teams
- Analyzed data
This layout uses columns that can confuse ATS, making it harder for them to read your qualifications. It also lacks sufficient white space, which can result in a cluttered look.
4. Cover letter for a Financial Officer
Writing a tailored cover letter for a Financial Officer role is crucial. It complements your resume and shows genuine interest in the position and company. This is your chance to explain why you're the best fit.
Your cover letter should include several key sections:
- Header: Include your contact information, the company's details, and the date.
- Opening Paragraph: Start strong by stating the specific Financial Officer position you're applying for. Show enthusiasm for the role and the company, and mention a key qualification or where you found the job listing.
- Body Paragraphs: Connect your experience to the job requirements. Highlight relevant projects, technical skills like financial analysis or budgeting, and soft skills such as problem-solving and teamwork.
- Closing Paragraph: Reiterate your interest in the role. Express confidence in your ability to contribute and include a clear call to action, like requesting an interview.
Maintain a professional, confident, and enthusiastic tone. Customize each letter for the specific application. Avoid using generic templates.
Sample a Financial Officer cover letter
Dear Hiring Team,
I am excited to apply for the Financial Officer position at Wells Fargo. With over five years of experience in financial management and a proven track record in budgeting and financial analysis, I believe that my skills align perfectly with your needs.
In my previous role at ABC Corp, I successfully managed a $10 million budget, leading to a 15% reduction in unnecessary expenses. My expertise in financial forecasting allowed the company to make informed strategic decisions that contributed to a 20% increase in revenue. Moreover, I have a strong background in compliance and risk management, ensuring that all financial practices meet regulatory standards.
I am particularly drawn to Wells Fargo because of your commitment to innovation in financial services. I am eager to bring my analytical skills and proactive approach to your team. I am confident that my background in finance will allow me to make a meaningful contribution to your company.
I would love the opportunity to discuss how I can support your financial goals. Thank you for considering my application. I look forward to the possibility of speaking with you soon.
Sincerely,
Jane Doe
5. Mistakes to avoid when writing a Financial Officer resume
Creating a resume for a Financial Officer role can be challenging. It's crucial to avoid common mistakes that could overshadow your qualifications. Attention to detail can make all the difference in presenting your financial expertise effectively.
From vague job descriptions to irrelevant information, these pitfalls can hinder your chances of landing an interview. Here are some common mistakes to watch out for.
Avoid vague job descriptions
Mistake Example: "Handled financial matters for the company."
Correction: Be specific about your responsibilities and achievements. Instead, write: "Managed a $5 million budget, ensuring compliance with financial regulations and optimizing resource allocation to achieve a 15% cost reduction."
Don't use a generic resume
Mistake Example: "I am a dedicated professional with experience in finance."
Correction: Tailor your resume for each job application. Instead, write: "As a Financial Officer with over 7 years of experience at XYZ Corp, I improved forecasting accuracy by 20% through advanced analytics and data-driven decision-making."
Avoid typos and grammatical errors
Mistake Example: "Effectively managed cash flow and prepared monthly reports that was presented to the board."
Correction: Proofread your resume carefully. Instead, write: "Effectively managed cash flow and prepared monthly reports presented to the board."
Don't overstate your achievements
Mistake Example: "Led the company to unprecedented financial success."
Correction: Use quantifiable results to support your claims. Instead, write: "Implemented strategic budgeting processes that resulted in a 25% increase in net profit over two years."
Avoid irrelevant information
Mistake Example: "Enjoy hiking and playing chess in my spare time."
Correction: Focus on skills and experiences relevant to finance. Instead, write: "Proficient in financial modeling, risk assessment, and regulatory compliance with a strong background in financial analysis."
6. FAQs about Financial Officer resumes
Creating a strong resume as a Financial Officer is crucial for showcasing your expertise in finance, accounting, and strategic planning. Below you'll find some frequently asked questions and helpful tips to guide you in crafting an effective resume.
What essential skills should I highlight on my Financial Officer resume?
What essential skills should I highlight on my Financial Officer resume?
Focus on skills like financial analysis, budgeting, forecasting, and risk management. Also, emphasize your expertise in financial software, regulatory compliance, and data interpretation.
What is the best format for a Financial Officer resume?
What is the best format for a Financial Officer resume?
Use a chronological format that emphasizes your work experience. Start with your most recent position and provide details on your responsibilities and achievements in each role.
How long should my Financial Officer resume be?
How long should my Financial Officer resume be?
A one-page resume is preferred if you have less than 10 years of experience. For more experienced professionals, a two-page resume is acceptable, but keep it concise.
How can I showcase my projects or portfolios on my resume?
How can I showcase my projects or portfolios on my resume?
Include a section for significant projects. Describe your role, the financial impact, and the results. Use bullet points for clarity.
How do I address employment gaps on my Financial Officer resume?
How do I address employment gaps on my Financial Officer resume?
Be honest about gaps. You can briefly explain them in your cover letter. Focus on skills gained during that time or any relevant volunteering or freelance work.
Pro Tips
Use Quantifiable Achievements
Employers love numbers. Whenever possible, quantify your achievements, like cost savings or revenue growth, to demonstrate your impact on previous organizations.
Tailor Your Resume for Each Application
Customize your resume for each job application. Highlight the most relevant experience and skills that align with the job description of the Financial Officer position you're targeting.
Highlight Relevant Certifications
If you have certifications like CPA or CFA, make sure to list them prominently. They can set you apart and show your commitment to the profession.
7. Key takeaways for an outstanding Financial Officer resume
Creating an effective Financial Officer resume is key to landing your desired role. Here are some essential tips to keep in mind:
- Use a clean, professional format that is friendly to Applicant Tracking Systems (ATS).
- Focus on relevant skills and experiences that match the requirements of a Financial Officer.
- Incorporate strong action verbs and quantify your achievements to showcase your impact.
- Optimize your resume with job-related keywords to improve ATS compatibility.
Take these steps to craft a compelling resume, and don’t hesitate to explore resume-building tools or templates to make your job search easier!
Similar Resume Examples
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