PT AXA Mandiri Financial Services

Lowongan Kerja BUMN – PT AXA Mandiri Financial Services (AXA Mandiri) merupakan perusahaan asuransi jiwa patungan antara PT Bank Mandiri (Persero) Tbk dan National Mutual International Pty. Limited (AXA Group). Telah hadir selama 19 tahun di Indonesia untuk memberdayakan masyarakat dalam memiliki kualitas kehidupan yang lebih baik.

AXA Mandiri melayani masyarakat dengan menyediakan beragam solusi produk inovatif, sesuai dengan kebutuhan perlindungan masyarakat di antaranya, asuransi jiwa, asuransi kesehatan, asuransi penyakit kritis, dana pensiun (DPLK AXA Mandiri), hingga perencanaan keuangan masa depan. AXA Mandiri telah melayani lebih dari 4 juta masyarakat Indonesia yang didukung oleh lebih dari 2.000 Financial Advisor yang tersebar di lebih dari 1.472 kantor cabang Bank Mandiri dan Bank Syariah Indonesia di seluruh Indonesia, serta lebih dari 369 Tele-Sales dan Corporate Sales officer.

AXA Mandiri meraih beragam apresiasi publik di antaranya Best Insurance selama tiga tahun berturut-turut (2020-2022) dari Majalah Investor, Best Insurance Company kategori Insurance Company with Outstanding Sales Transformation dari CNBC Indonesia Awards 2022, Indonesia Mindful Company Award 2022 dari MarkPlus, Contact Center Service Excellent Award selama enam tahun berturut-turut (2017-2022) dari Majalah Marketing & Carre dan Indonesia Trusted Company tahun 2018 s.d. 2022 (terkecuali 2020) dari The Indonesia Institute for Corporate Governance (IICG) yang bekerja sama dengan Majalah SWA.

Baca: Info Lowongan Kerja untuk Lulusan Baru

Dalam rangka mewujudkan peran BUMN sebagai mesin pertumbuhan ekonomi, akselerator kesejahteraan sosial (social welfare), penyediaan lapangan kerja dan penyedia talenta, dibutuhkan transformasi SDM BUMN, salah satunya melalui penetapan Nilai-nilai Utama (Core Values) SDM BUMN sebagai identitas dan perekat budaya kerja yang mendukung peningkatan kinerja secara berkelanjutan. SDM BUMN diharapkan mengetahui, mengimplementasikan, dan menginternalisasikan Nilai-nilai Utama tersebut secara sungguh-sungguh, konsisten, dan konsekuen sehingga tercermin dalam perilaku keseharian dan membentuk budaya kerja BUMN sebagaimana ditekankan dalam SE-7/MBU/07/2020 Tentang Nilai-nilai Utama (Core Values) Sumber Daya Manusia Badan Usaha Milik Negara.

Maka dari itu PT AXA Mandiri Financial Services kembali membuka rekrutmen lowongan kerja terbaru untuk sejumlah posisi yang dibutuhkan. Calon kandidat yang memenuhi kualifikasi, memiliki semangat dan dedikasi yang tinggi serta keinginan untuk berkembang meningkatkan keterampilan dan pengalamannya. Berikut adalah posisi dan kualifikasi lowongan yang tersedia pada saat ini.

Lowongan Kerja BUMN PT AXA Mandiri Financial Services

1. CEO OFFICE ANALYST

Responsibility:

• Gather the data and update the Company performance into the dashboard of CEO Office and monthly report to BOD.
• Comprehensive support to update Company initiatives, project status and business performance in timely manner such as Mandiri Board Forum meeting.
• Provide the information and data as needed by CEO.
• Collaborate with internal stakeholders across departments to follow up few initiatives according to company’s prioritization.
• Develop material in monthly and quarterly strategic meeting (e.g. BOC, BOD or Board Forum meeting).
• Took role as personal contact when the leader is not available
• Completes a broad variety of administrative tasks for the President & CEO including: managing an extremely active calendar of appointments; completing expense reports; composing and preparing correspondence that is sometimes confidential; arranging complex and detailed travel plans, itineraries, and agendas; and compiling documents for travel-related meetings, taking note of the
• Demonstrate AMFS Compliance Values by ensuring no violations against the letters and the spirit of AMFS’s policies due to intentional conduct and/or negligence and participation in mandatory compliance trainings and certifications as per company determined programs
• Take responsibility for implementing C.I.C.O value and AXA leadership framework through specific behaviors as set of principles believed to be the moral guide of conduct, act and decision making.

Qualification:

• Bachelor degree (S1), Business Management or any relevant education background
• Min. 2-3 years working experience in Strategy area or
• Operations in Insurance is preferable

Knowledge Skill:

• Sound knowledge of the life insurance business, products and processes
• Good communication and analytical skill
• Presentation skill
• Ability to use Ms. Power point and Excel
• Fluent in English
• Willing to be travel (mobile)

2. PRODUCT DEVELOPMENT MANAGER

Responsibility:

• Manage the product development initiatives towards achieving timely and successful new product launches, enhancements, and tactical product campaigns. Taking into consideration the company & business strategy, competitive landscape and balancing the needs of all stakeholders (such as customers, distribution, etc.), meeting regulatory requirement and company profits.
• Prepare, update (or reviews) product development related documentation that are key to the product development in seeking relevant approvals and in getting stakeholders buy in
• Works closely together with internal stakeholders (e.g. Actuarial, Risk Management, Distribution, Market Intelligence) and external stakeholders (e.g. reinsurers, Bank partner) in implementing product development.
• Direct the project of product development included Product Design, Pricing, Regional approval, & OJK Approval.
• Keeps up to date with market developments and identifying business opportunities where they may exist.
• Working closely with Product Analyst and Market Intelligence to give an insight of product development.
• Responsible for managing, coaching and developing direct reports, as well as ensuring other team members are receiving the support, they require to achieve team and company goals and individual performance standards
• Manage team member and organization development, including performance management, retention and succession planning.
• Demonstrate AMFS Compliance Values by ensuring no violations against the letters and the spirit Of AMFS’s policies due to intentional conduct and/or negligence and participation in mandatory compliance trainings and certifications as per company determined programs. As People Manager, monitors own team to ensure the required compliant behavior is upheld .
• Take responsibility for implementing AMFS Working Behavior and AXA Commitment through specific behaviors as set of principles believed to be the moral guide of conduct, act and decision making.

Qualification:

• Master/ Bachelor’s Degree especially in Actuarial, Statistic, Marketing or Economy.
• Experience in life insurance industry (min. 5 years)
• Have min 2 years’ experience in Life Insurance as Product Manager/Assistant Manager
• Good understanding of relevant products, knowledge on life insurance market, and landscape is an advantage
• Need to have managed a team
• Strong presentation and communication skills (Fluent in English)
• Good negotiation and communication skills
• Proven ability in stakeholders management
• both internal and external stakeholders)

Knowledge Skill:

• Data analysis
• MS Office
• SAS/SPSS/Research tools
• General Marketing
• Communication skill
• Presentation skill
• Understanding of Product Development Life Cycle

3. PROPOSITION & ORPHAN MANAGEMENT ASSISTANT MANAGER

Responsibility:

• Support in developing new product and/or service propositions for various AXA Mandiri channels.
• Preparing and obtaining necessary approvals for strategy implementation (internal and/or external) Ensure implementation of each business case creation for new proposition by working with related functions.
• Support in the execution of the orphan management strategy by working closely with sales channels and operations.
• Ensure implementation of customized journey and communications imbedded in all aspects of the customer journey of each touch point
• Create a dashboard and reports for data analytics working closely with data innovation, IT and other departments to monitor performance.
• Demonstrate AMFS Compliance Values by ensuring no violations against the letters and the spirit of AMFS’s policies due to intentional conduct and/or negligence and participation in mandatory compliance trainings and certifications as per company determined programs. As People Manager, monitors own team to ensure the required compliant behavior is upheld.

Qualification:

• Min. Bachelor’s degree from any discipline
• Min. 3-5 years’ experience in insurance with focus product insurance development and/or marketing
• Effective communications skills and proficient in Microsoft Office (in particular powerpoint)

Knowledge Skill:

• Copywriting, design software.
• Experience in evaluating and generating products and marketing ideas
• Has commercial background & broad understanding of product marketing

4. HEAD OF CUSTOMER DELIGHT

Responsibility:

• Formulate Inforce Management framework/ strategy to maximize the value Of customer segmentation
• Identify inforce initiatives and develop business cases for business opportunities optimization by (Collaboratinge with business function, especially initiatives related to customers journey and customer engagement .
• Provide advice to business function to implement the persistency initiatives/inforce management project to achieve the desired results on time, within allocated resources and according to agreed quality requirements.
• Define and document the desired results and deliverables, scope, resource requirements and implementation plan for Inforce Management initiatives.
• Perform post implementation assessment to identify successes and highlight lessons for future developments.
• Monitor and analyze KPIs to measure inforce performance.
• Develop end to end and integrated customer experience strategy, start with developing customer journey, map the customer touch points and pain points as well as looking at proposed solution to develop comprehensive customer experience.
• Plan customer engagement strategy and initiatives (e.g. customer loyalty program, customer communication and event) to build customer retention and engagement.
• Drive and promote customer-centric culture across the organization by internalize company value into specific customer-centric behavior and communicate it to internal stakeholders.
• Assist market research & market intelligent team to provide information and insight of market and industry to improve product and services of the Company.
• Demonstrate AMFS Compliance Values by ensuring no violations against the letters and the spirit of AMFS’s policies due to intentional conduct and/or negligence and participation in mandatory compliance trainings and certifications as per company determined programs. As people Manager, monitors own team to ensure the required compliant behavior is upheld.
• Take responsibility for implementing AMFS Working Behavior and AXA Commitment through specific behaviors as set of principles believed to be the moral guide of conduct, act and decision making.

Qualification:

• Minimum bachelor’s degree in business management, marketing management, or relevant field
• Minimal 8 Have 3-5 years’ experience in Inforce Management area/ Operation/Customer Service/ and Customer Experience/ Strategy or relevant field
• Have Has experience minimum 2 years as project manager

Knowledge Skill:

• Analytical & strategic thinking
• Strong Knowledge in Business Process Improvement
• Have understanding in data analytic
• Strong product knowledge, customer experience management, customer relationship management
• Project Management
• Commu n ication skill

5. ACTUARY PRICING MANAGER

Responsibility:

• Ability to manage the Pricing team to perform product pricing tasks with minimum supervision, which include the product modelling, the profit testing and sensitivities analysis, as well as preparing the pricing report and OJK filing requirements.
• The scope of the product pricing tasks shall include the creation of new product, product revamp projects, campaign initiatives, and inforce product monitoring.
• Strategically liaise with any related department, such as Product, Operations, Projects, Distributions, Finance, to ensure pricing team is actively supporting Company objectives.
• Actively involved in any meetings related to Pricing, especially in any Finance/ActuariaI meetings, any product development stage, including product design meetings, documents and training material review, and any other launching preparation activities.
• Supporting Head Of Product Pricing, Chief Actuary, CFO, AMFS Mancomm/Directors with financial/pricing assessment in any occasions.
• Able to manage the pricing team to perform accurate product modelling under minimum supervision, including building pricing model in Excel, maintaining product model in Prophet, and enhancing/modifying the Product Illustration for customers.
• Able to work with large data to support any analysis that is required to support any pricing tasks.
• Responsible for managing, coaching and developing direct reports, as well as ensuring the whole team members receive the support they require to achieve team and company goals and individual performance standards.
• Manage team member and organization development, including performance management, individual development, and talent retention.
• Able to assess and analyze the capacity of the team, especially against the expected list of projects, and building a good communication with HCBP, Head of Product Pricing, Chief Actuary, and CFO in regards of Pricing capacity planning.
• Demonstrate AMFS Compliance Values by ensuring no violations against the letters and the spirit Of AMFS’s policies due to intentional conduct and/or negligence and participation in mandatory compliance trainings and certifications as per company determined programs. As People Manager, monitors own team to ensure the required compliant behavior is upheld.
• Take responsibility for implementing C.I.C.O value and AXA leadership framework through specific behaviors as set of principles believed to be the moral guide of conduct, act and decision making,

Qualification:

• Bachelor’s degree in Actuarial Science, Mathematics, or Statistics, from local institution or overseas institution
• Minimum 6 years working experience in Pricing Actuarial area, minimum 2 years in leading team
• Good actuarial professional exam progress and pursuing the designation of Fellowship of a recognized actuarial institute (Indonesian or US or UK or Australia)

Knowledge Skill:

• Strong Actuarial Knowledge
• Strong in Ms Excel
• Good logic, analytical, and communication skills
• Strong understanding on company vision
• Have research and modelling experience
• Have good project management ability to manage multiple projects in tight deadlines
• Skilled in managing large data sets used for statistical analysis
• Leadership capability and resilience

6. ACTUARY ANALYST (IFRS 17)

Responsibility:

• Performing test for posting of IFRS 17 result from CSM engine to ledger and other relevant testing.
• Performing analysis of IFRS 17 result to ensure the reasonableness of the number.
• Help to improve IFRS 17 closing reporting process and business plan exercise, including propose system enhancements needed to support the process improvement.
• Working closely with relevant function and assist other stakeholders on ad-hoc basis.

Qualification:

• Bachelor’s Degree of Actuarial Science, Mathematics, or other numerate degree subject with strong academic record.
• Experience min 2-7 years in related field
• Have an exposure to working in an actuarial environment, have a very technical background, strong especially in life insurance industry
• Have an exposure in IFRS 17 implementation

Knowledge Skill:

• Ability to analyze and apply creative problem-solving skills both independently and within a team
• Good collaboration and communication

7. ACTUARY VALUATION ASSOCIATE (LOCAL REPORTING)

Responsibility:

• Perform data reconciliation and data movement.
• Perform the related Local GAAP valuation requirements, OJK reporting requirement with good quality of result and timely, which covers the valuation actuarial related works, include Local GAAP valuation for both SAK and SAP basis.
• Deliver the OJK reporting requirement include Annually and Quarterly Operational Report, Laporan Aktuaris, Rencana Bisnis to OJK, AAJI report.
• Support in Strategic Planning, provide data for internal and external auditor.
• Support data required from Bank Mandiri i.e. Stress testing, liquidity report and others ad-hoc request.
• Perform RBC report in monthly basis for all schedule, rincian, and deliver on time as OJK timeline. Perform trend analysis.
• Demonstrate AMFS Compliance Values by ensuring no violations against the letters and the spirit of AMFS’s policies due to intentional conduct and/or negligence and participation in mandatory compliance trainings and certifications as per company determined programs. As People Manager, monitors own team to ensure the required compliant behavior is upheld.
• Take responsibility for implementing C.I.C.O value and AXA leadership framework through specific behaviors as set of principles believed to be the moral guide of conduct, act and decision making.

Qualification:

• University graduate in Actuarial Science, Mathematics, or Statistics, from local institution or overseas institution.
• Good English verbal and written communication skills.
• Minimum has passed two professional exams with good progress or pursuing actuarial professional designation of a recognized actuarial institute (Indonesian or US or UK or Australia) will also be considered.

8. INVESTMENT ANALYST

Responsibility:

• Direct and control the accurate and timely preparation of all investment non unit link reports ( both external and internal parties) for investment management decision making.
• Ensure company’s investments comply with Investment Policy and regulatory requirements.
• Ensure investments adhere to HK/ Regional investment polisies and mandates and comply with group guideline. Suggest improvements to HK investment policies and processes.
• In Charge in investment transaction, liaise and report the performance of third party investment services providers.

Qualification:

• Bachelor Degree (Economics, Finance/ Accounting))
• 2 years experience in Investment/ Finance/ Accounting

Knowledge Skill:

• Good knowledge of capital market & banking practices WMI license preferable

9. INTERNAL AUDIT MANAGER

Responsibility:

• Lead audit assignments in accordance with Internal Audit Manual to timely deliver an impactful audit result. This includes maintaining a strong understanding of key risks and most pressing issues (incl. emerging risks), assessing the effectiveness of internal controls, and formulating recommendations that address the root causes.
• Develop a robust and targeted audit program and apply the appropriate audit approach, including the utilization of data analytics, to ensure adequacy of audit testing.
• Involve in continuous monitoring to remain relevant and perform risk assessments to contribute significantly to the internal audit plan.
• Provide support in any investigative works and at the same time, help Management to identify internal control gaps contributing to fraud activities/misconducts to prevent repeated occurrence.
• Establish and maintain effective and constructive working relationship with the Management, 2nd line functions, Audit Committee, AXA Group/RegionaI Audit, Bank Mandiri Internal Audit, and external auditors.
• Supervise and manage the team members assigned for audit engagements, provide guidance and mentoring to develop their skills. Provide ideas and inputs to the continuous improvement of the overall audit process and team development.
• Set the example to team members by demonstrating integrity and professionalism in your conducts, accountability and commitment to quality deliverables.

Qualification:

• Bachelor’s degree in accounting, finance or related fields is typically required. Professional certifications such as: Certified Internal Audit (CIA), Certified Information System Auditor (CISA), and/or Certified Fraud Examiner (CFE) are highly valued.
• At least 8 years of experience in auditing or related roles with 5 years’ experience in leading team and managing audit assignments is essential.

Knowledge Skill:

• Internal and/or external audit experiences in insurance industry are preferred. Big 4 accounting firms’ background will be an advantage.
• Excellent analytical skills and sound judgement in problem solving.
• Highly self-motivated, inquisitive in learning new processes and technologies, and agility to adapt to changes.
• Systematic and articulated in verbal and written communication, both in Bahasa and English.

10. CMT ANALYST

Responsibility:

• Work closely with related function to ensure that the remediation of gaps identified
  are adequately resolved
• Monitor assessment that conducted by AXA Group, such as Compliance Risk Assessment, Anti-Bribery and Corruption Risk Assessment, AXA Group Standard, Data Maturity Level Assessment, Annual Risk Assessment
• Assess and monitor local findings that conducted by Internal Audit, Regulatory findings, compliance findings from assurance review
• Conduct assurance testing related to Compliance matters, review the effectiveness and proposed the improvement feedback
• Stay current on regulatory development to identify trends and emerging risks impacting the company and Program
• Perform other duties as assigned
• Prepare reports on results of CMT activities and work with stakeholders in root cause analysis and proposed the action plan

Qualification:

• Min. Bachelor’s degree from any major.
• Has min. 2 years’ experience in audit/ executing CMT Program/ testing plan in financial industry
• Communication skill both verbal and written
• Microsoft office skill (Excel, Power Point, Word)
• Presentation skill

Knowledge Skill:

• Familiar with ABC, Data Privacy
• Has knowledge of laws, regulations, risk management practices for financial services
• Analytical & critical thinking
• Business acumen
• Time management

11. POLICY & PROCEDURE AND ADVISORY COMPLIANCE ASSOCIATE

Responsibility:

• All review on company’s policies and procedure (and all internal regulation) are performed in accordance with SLA.
• Ensure development of Policy & Procedure system is progressing.
• Maker Checker process is implemented.
• To closely liaise with Developer team to ensure that policy procedure tools and library are ready to be use by all related party.
• Provide reporting related with Policy procedure (and all internal regulation).
• Review incoming policy/procedure (and all internal regulation)to be in accordance with company’s rule on policy procedure
• Review incoming policy/procedure (and all internal regulation) and ensure sufficient input has been given from compliance perspective
• Identify potential areas has not been covered by internal policy for both conventional and Sharia
• Support the each function within organization in policy development (internal policy & technical procedure) for both conventional and Sharia.
• To prepare and to provide socialization of policy procedure and its regulation regulation to all respective party, to ensure the regulation well informed and well understand for both conventional and Sharia.
• Monitoring all of policy in AMFS for both conventional and Sharia
• Maintain Company’s Policy & Procedure list is updated and accurate and ensure that every approved policy is numbered and registered Ensure annual certification of policy procedure has been performed accordingly to all functions within company.
• Review incoming marketing collateral, such as brochure, advertisement, RIPLAY Umum and RIPLAY Personal related to product information to customer and ensure all the regulation requirement are covered.
• Review draft Policy Provision submitted and ensure incompliance with local regulation.
• All review on marketing collateral and policy provision are performed in accordance with SLA.
• Demonstrate AMFS Compliance Values by ensuring no violations against the letters and the spirit of AMFS’s policies due to intentional conduct and/or negligence and participation in mandatory compliance trainings and certifications as per company determined programs.
• Take responsibility for implementing AMFS Working Behavior, AKHLAK and AXA Value through specific behaviors as a set of principles believed to be the moral guide of conduct, act and decision making.

Qualification:

• Bachelor’s degree in Economics, Law or any related field.
• Min. 2 years in Compliance, Policy & Procedure, Internal
• Audit or Risk Mgt in Insurance Company.
• Held LOMA / AAMAI certification will be preferred.

Knowledge Skill:

• Have experience in developing and reviewing policy procedure.
• Understand business process in life insurance company and its product.
• Sociable and proactive in collaborating with other function.
• Understand Compliance function as a 2nd line ofdefense in company governance.

12. REGULATORY & GOVERNANCE COMPLIANCE ASSOCIATE

Responsibility:

• Liaise with all departments in implementing Regulatory & Governance programs, including to drive necessary changes to comply with the law and regulations.
• Prepare Regulatory & Governance related reports to internal and external parties including reviewing documents including audit, risk, assessment, testing and any related documents
• Conduct self-assessment (gap analysis) of internal and local regulations
• Monitor implementation of regulatory compliance
• Maintain current and extensive knowledge of the laws and regulatory guidelines by which the company is required to comply with.
• Monitoring compliance programs that have been put in place to ensure adequacy.
• Ensure all routine and ad-hoc reports to regulators are submitted accurately and in a timely manner.
• Provide advisories/opinion on Regulatory & Governance, ie. in regulatory reporting, regulatory interpretations, and other company documents and/or initiatives.
• Develop , update, and provide end to end Regulatory & Governance related Training and awareness
• Update Regulatory & Governance related Policies and procedures.
• Demonstrate AMFS Compliance Values by ensuring no violations against the letters and the spirit of AMFS’s policies due to intentional conduct and/or negligence and participation in mandatory compliance trainings and certifications as per company determined programs.
• Take responsibility for implementing AMFS Working Behavior, AKHLAK and AXA Value through specific behaviors as a set of principles believed to be the moral guide of conduct, act and decision making.

Qualification:

• Bachelor’s Degree in any major from reputable University, preferably Law or Political Science
• Minimum of 2 years experienced in
• Regulatory & Governance Compliance in Financial Industry

Knowledge Skill:

• Knowledge in regulatory and legal background
• Accustomed to read and review regulation
• Basic training: Basic insurance and sales process
• Tech savvy: Microsoft office, primarily excel
• Attention to detail
• Analytical thinking
• Time management
• Interpersonal skill
• Team player
• Good in English

13. LITIGATION ASSOCIATE

Responsibility:

• Support Litigation Officer to handle and settle the case for benefits and interests of Company, i.e. join the case litigation meeting, prepare supporting documents, provide litigation report, etc. Compiling all necessary supporting documents for litigations matters.
• Administering litigations documents.
• Review any correspondence letter regarding complaint from customer between company and OJK, external lawyer or any party as requested by user.
• Support in reviewing the commercial agreement with third parties, including all legal documents related to RTB.
• Conducting legal research related to strategic legal issues and projects or to business related to RTB.
• Review of new products documentations as required by regulation.
• Review marketing material or program.
• Review and support for investigation or anti fraud activities
• Liaising With relevant department related to reporting, corporate and projects matters.
• Ensuring the effective delivery Of correspondence and legal document to other party in timely manner.
• Give advice to Manager in building, maintain and manager legal document, correspondence and regulations.
• Administer corporate and legal documents.
• Performs any other duties as requested by manager.
• Submitting and reporting all reviewed document to manager or assistant manager for checking and reviewing before deliver to business units.
• Preparing the LMACC, BACC, WIGO report and escalating material issues in an effective and timely manner.
• Demonstrate AMFS Compliance Values by ensuring no violations against the letters and the spirit of AMFS’s policies due to intentional conduct and/or negligence and participation in mandatory compliance trainings and certifications as per company determined programs.
• Take responsibility for implementing AMFS Working Behavior, AKHLAK and AXA Value through specific behaviors as a set of principles believed to be the moral guide of conduct, act and decision making.

Qualification:

• Min. bachelor’s degree in law major
• Has experience min 0-2 years in legal services (preferable litigation).
• Hold license from PERADI, if any.

Knowledge Skill:

• Insurance Law & Regulations (2)
• Procedure Law (3)
• Risk Management Strategy (2)
• Labor Law & Regulation (2)
• Planning & Organizing (2)
• Persuading & Influencing (3)

Bagi yang berminat dan memenuhi kualifikasi, send your updated CV to

tiana.ophelia@axa-mandiri.co.id & dita.putri@axa-mandiri.co.id
with the subject : “Position you are applying – your name”

Notes :
Due to the loads of applicants, only the selected candidate that fills the requirements will be proceed to the next step.