Top 12 KYC Analyst Skills to Put on Your Resume
In the competitive field of Know Your Customer (KYC) compliance, showcasing the right mix of skills on your resume can significantly enhance your marketability to potential employers. A well-crafted resume featuring a blend of critical analytical abilities, technological proficiency, and interpersonal skills will set you apart as a top candidate for KYC analyst positions.
KYC Analyst Skills
- AML Compliance
- Customer Due Diligence
- Risk Assessment
- Transaction Monitoring
- Regulatory Frameworks
- Fraud Detection
- Data Analysis
- KYC Regulations
- Anti-Bribery
- Sanctions Screening
- Enhanced Due Diligence
- LexisNexis
1. AML Compliance
AML (Anti-Money Laundering) Compliance involves adhering to laws and regulations designed to prevent and detect the laundering of illegally obtained funds. For a KYC (Know Your Customer) Analyst, it entails conducting due diligence to verify the identity of clients, assessing their risk profiles, and monitoring financial transactions to ensure they are not involved in money laundering activities.
Why It's Important
AML (Anti-Money Laundering) compliance is crucial for preventing financial crimes by ensuring that individuals and entities involved in financial transactions are properly identified and assessed for risks related to money laundering and terrorist financing. For a KYC (Know Your Customer) Analyst, it is vital to meticulously verify customer identities, understand the nature of their transactions, and monitor ongoing activities to detect and report suspicious behavior, thereby protecting the financial system from abuse and maintaining the integrity of financial institutions.
How to Improve AML Compliance Skills
Improving AML compliance, particularly from the perspective of a KYC (Know Your Customer) Analyst, involves a multifaceted approach focusing on the enhancement of customer due diligence (CDD), ongoing monitoring, and the use of technology. Here is a concise guide:
Enhance Due Diligence: Strengthen your CDD processes by obtaining accurate and up-to-date information about customers. This includes verifying their identity, understanding the nature of their business, and assessing the risk they pose. The Financial Action Task Force (FATF) provides guidelines on implementing effective CDD measures.
Ongoing Monitoring: Implement continuous monitoring of transactions to detect suspicious activities. Regularly review and update customer profiles based on transaction behavior and risk assessment. The Basel Committee on Banking Supervision offers insights into effective monitoring strategies.
Leverage Technology: Utilize advanced technologies such as AI and machine learning for efficient screening and monitoring. These tools can help in the detection of patterns and anomalies that might indicate money laundering activities. The Financial Crimes Enforcement Network (FinCEN) discusses the role of innovative technologies in AML compliance.
Training and Awareness: Ensure that all staff, especially those in customer-facing roles, are trained on AML compliance, including recognizing and reporting suspicious activities. Continuous education on the evolving nature of money laundering tactics is crucial. Resources like the Association of Certified Anti-Money Laundering Specialists (ACAMS) provide valuable training and certification programs.
Regulatory Updates: Stay informed about the latest regulatory changes and compliance requirements in your jurisdiction and globally. Adapting to new laws and guidelines promptly is essential for maintaining compliance. The Office of the Comptroller of the Currency (OCC) regularly updates AML regulations and guidelines.
By focusing on these key areas, a KYC Analyst can significantly contribute to enhancing their organization's AML compliance posture.
How to Display AML Compliance Skills on Your Resume
2. Customer Due Diligence
Customer Due Diligence (CDD) is a process used by businesses, particularly in the financial sector, to collect and analyze information about a customer's identity, risk profile, and financial activities to prevent money laundering and terrorist financing. It is a critical component of Know Your Customer (KYC) procedures.
Why It's Important
Customer Due Diligence (CDD) is crucial for KYC analysts to identify and verify the identity of clients, assess their risk levels, and prevent money laundering, terrorism financing, and other illegal activities, ensuring regulatory compliance and safeguarding the integrity of the financial system.
How to Improve Customer Due Diligence Skills
Improving Customer Due Diligence (CDD) involves enhancing the process of verifying the identity and assessing the risk associated with a customer. For a KYC Analyst, this means:
Update and Refine Customer Identification Procedures (CIP): Regularly review and enhance your methods for verifying customer identities. Utilize advanced identity verification solutions like biometric verification and document authentication.
Enhance Risk Assessment Models: Implement more sophisticated risk assessment tools that use big data analytics and artificial intelligence to better categorize customers based on their risk levels.
Ongoing Monitoring: Establish continuous monitoring systems for detecting unusual or suspicious activities. Tools like Chainalysis are useful for tracking transactions, especially for businesses dealing with cryptocurrencies.
Ensure Regulatory Compliance: Stay updated with the latest AML/CFT regulations globally and locally. Implement regulatory changes into your CDD processes promptly.
Training and Awareness: Regularly train staff on the latest CDD techniques, threats, and regulatory requirements. Organizations like ACAMS offer courses and certifications for professionals.
Leverage Third-Party Services: When necessary, use reputable third-party services for background checks and verification to supplement your CDD efforts. Experian and Equifax offer such services.
By focusing on these areas, a KYC Analyst can significantly improve the effectiveness of Customer Due Diligence processes.
How to Display Customer Due Diligence Skills on Your Resume
3. Risk Assessment
Risk assessment, in the context of a KYC (Know Your Customer) Analyst, is the process of identifying, evaluating, and estimating the levels of risk associated with a client, based on factors such as the client's identity, financial activities, and associations, to ensure compliance with anti-money laundering (AML) laws and prevent financial crime.
Why It's Important
Risk assessment is crucial for a KYC Analyst because it enables the identification, evaluation, and mitigation of potential risks associated with customers, ensuring regulatory compliance, and protecting the financial institution from potential financial crimes, fraud, and reputational damage.
How to Improve Risk Assessment Skills
Improving risk assessment as a KYC (Know Your Customer) Analyst involves a combination of leveraging technology, gaining deep industry knowledge, and staying updated with regulatory changes. Here are concise strategies:
Enhance Data Analysis: Utilize advanced analytics and machine learning tools to analyze customer data more efficiently. Tools like SAS or Python can help in identifying patterns and anomalies in customer behavior. SAS | Python
Continuous Learning: Keep abreast of the latest KYC and AML (Anti-Money Laundering) regulations and best practices through continuous education. Websites like ACAMS and Compliance Week offer resources and updates.
Automate Processes: Implement KYC automation tools to streamline data collection, verification, and risk scoring. This improves accuracy and reduces manual errors. Check out solutions like Onfido and Trulioo.
Enhanced Due Diligence (EDD): For high-risk customers, adopt an EDD process that goes beyond standard verification, analyzing the customer’s business relationships and sources of funds more deeply. Guidelines for EDD can be found on FATF.
Peer Networking: Join professional networks and forums to exchange knowledge and experiences with peers. Platforms like LinkedIn groups specialized in KYC/AML are valuable for staying informed and getting advice.
By focusing on these areas, KYC Analysts can significantly enhance their risk assessment capabilities, ensuring compliance and mitigating potential risks effectively.
How to Display Risk Assessment Skills on Your Resume
4. Transaction Monitoring
Transaction Monitoring is the process of reviewing, analyzing, and managing the transactions processed by clients or customers to identify suspicious activities, ensure compliance with anti-money laundering (AML) laws, and prevent financial crimes. For a KYC Analyst, it involves scrutinizing transactions for inconsistencies or deviations from expected behavior based on the customer's profile.
Why It's Important
Transaction monitoring is crucial for a KYC Analyst because it helps identify and prevent financial crimes such as money laundering and fraud by detecting suspicious activities and ensuring compliance with regulatory requirements.
How to Improve Transaction Monitoring Skills
To improve Transaction Monitoring as a KYC Analyst, focus on the following short and concise strategies:
Enhance Detection Scenarios: Regularly update and fine-tune the rules and algorithms based on emerging trends and typologies to improve detection. The Financial Action Task Force (FATF) provides insights into current methods used by launderers that can inform these updates.
Leverage Technology: Utilize advanced analytics, machine learning, and artificial intelligence to identify patterns and anomalies more effectively. ACAMS is a useful resource for staying abreast of technological advancements in the field.
Data Quality and Integration: Ensure that the data feeding into the monitoring system is comprehensive, accurate, and well-integrated from all relevant sources. The Bank for International Settlements discusses the importance of data quality in financial monitoring.
Ongoing Training: Continuously educate yourself on the latest regulatory requirements, laundering techniques, and best practices in transaction monitoring. The Society for Worldwide Interbank Financial Telecommunication (SWIFT) offers educational resources and training for financial professionals.
Customer Risk Profiling: Regularly update customer risk profiles to reflect their current risk status more accurately. This involves understanding the customer’s business, expected transactions, and risk factors. The Wolfsberg Group provides guidelines on effective customer due diligence.
By focusing on these areas, KYC Analysts can significantly enhance the effectiveness of their Transaction Monitoring systems.
How to Display Transaction Monitoring Skills on Your Resume
5. Regulatory Frameworks
A regulatory framework is a set of guidelines, rules, and standards established by regulatory bodies to ensure compliance and protect the interests of stakeholders. For a KYC (Know Your Customer) Analyst, it involves adhering to laws and regulations aimed at preventing money laundering, terrorist financing, and ensuring customer identity verification to promote financial transparency and security.
Why It's Important
Regulatory frameworks are crucial for KYC Analysts as they ensure compliance with laws designed to prevent financial crimes such as money laundering and terrorist financing. These frameworks guide analysts in verifying customer identities, assessing risk profiles, and monitoring transactions effectively, thus safeguarding the integrity of the financial system.
How to Improve Regulatory Frameworks Skills
Improving regulatory frameworks, especially from the perspective of a KYC (Know Your Customer) Analyst, involves a continuous process of adaptation, enhancement, and collaboration. Here's a concise guide:
Stay Informed: Constantly update your knowledge base with the latest regulations and guidelines from authoritative sources such as the Financial Action Task Force (FATF) and Financial Crimes Enforcement Network (FinCEN).
Leverage Technology: Utilize advanced technological solutions for compliance, such as AI and machine learning, to streamline KYC processes. The Institute of International Finance (IIF) offers insights into emerging tech trends.
Feedback Loop: Establish mechanisms for feedback from the KYC processes to regulatory bodies. This can help in refining and updating regulations based on practical insights.
Collaboration: Engage in public-private partnerships to enhance understanding and implementation of regulatory requirements. The World Bank provides resources on such collaborations.
Training and Education: Regularly conduct training sessions for staff on current and upcoming regulations. Organizations such as the Association of Certified Anti-Money Laundering Specialists (ACAMS) offer valuable courses and certifications.
Risk-Based Approach: Adopt a risk-based approach to KYC to allocate resources efficiently and address the highest risks. The European Banking Authority (EBA) provides guidelines on implementing a risk-based approach.
Global Standards: Align with international standards and best practices to ensure a cohesive and robust regulatory framework. The International Monetary Fund (IMF) offers resources on global standards for financial systems.
Improving regulatory frameworks requires a multi-faceted approach, combining technology, education, collaboration, and adherence to international standards to enhance the effectiveness of KYC and compliance efforts.
How to Display Regulatory Frameworks Skills on Your Resume
6. Fraud Detection
Fraud detection, in the context of a KYC Analyst, involves identifying and preventing fraudulent activities by verifying the identity of clients and assessing the risks associated with their transactions to ensure compliance with legal standards and protect financial institutions from potential fraud.
Why It's Important
Fraud detection is crucial for a KYC Analyst as it helps identify and prevent unauthorized financial activities, ensuring compliance with regulations, protecting the integrity of the financial system, and safeguarding customer assets from illicit transactions.
How to Improve Fraud Detection Skills
Improving fraud detection, especially for a KYC (Know Your Customer) Analyst, involves leveraging advanced technologies, enhancing data analysis techniques, and continuously updating knowledge on fraud trends. Here's how to do it concisely:
Implement Machine Learning & AI - Use AI and machine learning algorithms to analyze patterns and detect anomalies in customer behavior. These technologies can process vast amounts of data quickly and with high accuracy. IBM's insights on AI in fraud detection provide a deeper understanding.
Enhance Data Analysis - Employ advanced data analytics to scrutinize customer data more effectively. This involves not just looking at transactional data but also analyzing customer behavior and patterns. SAS's perspective on data analytics for fraud detection offers valuable strategies.
Utilize Biometric Verification - Incorporate biometric verification methods like fingerprint scanning or facial recognition to ensure that the person opening an account or making transactions is indeed who they claim to be. Gemalto's guide on biometric technology discusses its applications in security.
Stay Informed on Fraud Trends - Continuously educate yourself on the latest fraud trends and regulatory changes. Fraudsters constantly evolve their tactics, so staying informed helps in anticipating and mitigating potential threats. ACFE's resources are excellent for keeping up with trends in fraud.
Implement Strong Authentication Measures - Strengthen authentication processes by implementing multi-factor authentication (MFA) for transactions and account changes, making it harder for fraudsters to gain unauthorized access. NIST's guidelines on digital identity provide a framework for implementing strong authentication measures.
Collaborate and Share Information - Engage in information sharing with other institutions and industry groups to stay ahead of emerging fraud schemes. Collaboration can lead to better detection methods and prevent fraud on a larger scale. The Financial Services Information Sharing and Analysis Center (FS-ISAC) is a platform for sharing information about cyber and physical threat intelligence.
By focusing on these areas, a KYC Analyst can significantly improve fraud detection capabilities, safeguarding both the institution and its customers from potential fraud.
How to Display Fraud Detection Skills on Your Resume
7. Data Analysis
Data analysis, in the context of a KYC (Know Your Customer) Analyst, involves systematically examining customer data to verify identity, assess risk levels, and ensure compliance with legal and regulatory requirements, aiming to prevent fraud and money laundering.
Why It's Important
Data analysis is crucial for a KYC (Know Your Customer) Analyst as it enables the identification and assessment of customer risks, ensures compliance with regulatory requirements, and aids in the detection and prevention of fraud, thereby safeguarding the financial institution's integrity and reputation.
How to Improve Data Analysis Skills
Improving data analysis, especially for a KYC (Know Your Customer) Analyst, involves enhancing both technical and soft skills to better identify, analyze, and report on customer data effectively. Here are concise steps:
Upgrade Analytical Tools Knowledge: Familiarize with advanced functionalities of tools like Excel (Microsoft Excel Training), SQL (SQL Training Course), and data visualization tools like Tableau (Tableau Training) or Power BI (Power BI Training) to efficiently manage and interpret data.
Enhance Critical Thinking: Engage in exercises and practices that improve problem-solving and critical thinking skills (Critical Thinking Course) to better analyze customer information and identify potential risks.
Stay Updated with KYC Regulations: Keep abreast of the latest KYC compliance laws and guidelines (ACAMS Training) to ensure analysis aligns with current regulatory standards.
Learn from Industry Best Practices: Participate in webinars, workshops, and conferences (KYC & AML Webinars) to learn about the latest trends and best practices in customer data analysis from industry experts.
Practice Data Privacy and Protection: Understand and apply principles of data privacy and protection to ensure customer data is handled securely (Data Privacy Course).
Develop Reporting Skills: Improve your ability to create clear, concise, and actionable reports (Business Writing Course) that can inform decision-making processes effectively.
Implementing these steps will significantly enhance your capabilities as a KYC Analyst in data analysis.
How to Display Data Analysis Skills on Your Resume
8. KYC Regulations
KYC (Know Your Customer) regulations are compliance measures that financial institutions and other regulated companies must follow to verify the identity, suitability, and risks involved with maintaining a business relationship with their clients. A KYC Analyst ensures these regulations are adhered to by conducting customer due diligence and ongoing monitoring to prevent and identify money laundering, terrorism financing, and other illegal activities.
Why It's Important
KYC (Know Your Customer) regulations are crucial for preventing financial crimes. They require institutions to verify the identity of their clients, assess their risk profiles, and monitor their transactions. This helps in detecting and preventing money laundering, terrorist financing, and fraud, ensuring a safer financial system. For a KYC Analyst, these regulations are vital for conducting thorough due diligence, ensuring compliance, and protecting the integrity of financial institutions.
How to Improve KYC Regulations Skills
Improving KYC (Know Your Customer) regulations involves enhancing the accuracy, efficiency, and security of customer identity verification procedures. For a KYC Analyst, focusing on the following areas can lead to significant improvements:
Technology Integration: Adopt advanced technologies like AI and blockchain for real-time data analysis and secure information sharing. Deloitte's insights on blockchain in financial services showcase its potential to revolutionize KYC processes.
Data Quality Management: Ensure the accuracy and completeness of customer data by implementing robust data management practices. Thomson Reuters emphasizes the importance of high-quality data for effective risk management.
Regulatory Alignment: Stay updated with global and local KYC regulations to ensure compliance and adapt processes accordingly. The Financial Action Task Force (FATF) provides international standards and policy recommendations.
Customer Education: Educate customers on the importance of KYC and how it protects them, to encourage cooperation and accurate information provision. Consumer Financial Protection Bureau offers resources that can be adapted for customer education.
Streamlined Processes: Simplify and streamline KYC processes to reduce customer friction while maintaining thoroughness. Utilizing digital identity verification solutions, as discussed in McKinsey's Digital Identification report, can enhance both efficiency and user experience.
By focusing on these areas, KYC Analysts can contribute to more effective, efficient, and customer-friendly KYC regulations.
How to Display KYC Regulations Skills on Your Resume
9. Anti-Bribery
Anti-Bribery refers to policies, procedures, and practices designed to prevent, detect, and address bribery and corruption. For a KYC (Know Your Customer) Analyst, it involves ensuring clients comply with anti-bribery laws and regulations by assessing their risk of engaging in corrupt practices and monitoring transactions for any signs of bribery.
Why It's Important
Anti-Bribery is crucial for a KYC (Know Your Customer) Analyst as it ensures the integrity and legality of financial transactions, prevents corruption and financial crimes, and maintains the trust and reliability of the financial institution in adherence to regulatory compliance.
How to Improve Anti-Bribery Skills
Improving Anti-Bribery efforts, especially for a KYC (Know Your Customer) Analyst, involves a mix of thorough due diligence, continuous education, and the use of advanced tools. Here's a succinct guide:
Enhanced Due Diligence: Conduct enhanced due diligence on clients to uncover any potential bribery risks. Use databases and tools like World-Check for comprehensive background checks.
Education and Training: Regularly update your knowledge on anti-bribery laws and practices. Organizations such as TRACE International offer resources and training on anti-bribery compliance.
Implement Strong Policies: Develop and enforce robust anti-bribery policies within your organization. The OECD Guidelines can serve as a global standard for creating these policies.
Use of Technology: Leverage advanced KYC and compliance software that includes features for detecting potential bribery indicators. Solutions like Thomson Reuters CLEAR can be very effective.
Regular Audits and Reviews: Conduct regular audits of KYC processes to ensure compliance with anti-bribery policies. Tools like AuditBoard help streamline the audit process.
Reporting Mechanisms: Establish clear and confidential reporting channels for employees or clients to report suspicions of bribery. This encourages a culture of transparency and integrity.
By integrating these strategies, a KYC Analyst can significantly enhance their anti-bribery efforts, ensuring compliance and preventing financial and reputational damage to their organization.
How to Display Anti-Bribery Skills on Your Resume
10. Sanctions Screening
Sanctions screening is the process of reviewing and cross-referencing customer information against lists of sanctioned individuals, entities, and countries to ensure compliance with regulatory requirements and to prevent doing business with those involved in illicit activities. This is a critical task for KYC (Know Your Customer) Analysts to help prevent financial crimes and terrorism financing.
Why It's Important
Sanctions screening is crucial for a KYC Analyst to ensure compliance with legal and regulatory requirements, prevent financial crimes, and mitigate the risk of facilitating illegal activities by identifying individuals or entities subject to sanctions, thereby protecting the institution from reputational damage and financial penalties.
How to Improve Sanctions Screening Skills
Improving sanctions screening as a KYC Analyst involves enhancing the effectiveness and efficiency of identifying and mitigating potential risks associated with sanctions compliance. Here's a concise guide:
Update Sanctions Lists Regularly: Ensure the sanctions lists you're screening against are up-to-date. Utilize official resources like the U.S. Treasury’s Office of Foreign Assets Control (OFAC) for the most current information.
Leverage Advanced Technology: Employ advanced screening tools that incorporate artificial intelligence and machine learning to enhance accuracy and reduce false positives.
Understand Sanctions Programs: Gain a deep understanding of various sanctions programs and their requirements to tailor your screening processes accordingly.
Continuous Training: Regularly train yourself and your team on the latest sanctions regimes and compliance strategies to stay ahead of potential risks.
Risk-Based Approach: Implement a risk-based approach to sanctions screening, prioritizing customers and transactions that pose the highest risk based on various factors, including geographic location and transaction amount.
Enhance Due Diligence: For high-risk clients, conduct enhanced due diligence to gather more comprehensive information, enabling more effective screening and risk assessment.
Audit and Feedback Loop: Regularly audit your screening process to identify areas for improvement. Incorporate feedback to refine and enhance your sanctions screening approach continuously.
By following these steps and staying informed about the latest developments in sanctions regulations and compliance technologies, you can significantly improve your effectiveness in sanctions screening as a KYC Analyst.
How to Display Sanctions Screening Skills on Your Resume
11. Enhanced Due Diligence
Enhanced Due Diligence (EDD) is a comprehensive and detailed customer verification process aimed at high-risk customers, to mitigate against money laundering, terrorist financing, and other financial crimes. It involves gathering additional information and conducting a deeper analysis of the customer's background, financial activities, and risk profile compared to standard due diligence procedures. For a KYC Analyst, EDD is a crucial step in ensuring compliance with regulatory requirements and protecting the institution from financial and reputational harm.
Why It's Important
Enhanced Due Diligence (EDD) is crucial for KYC Analysts as it involves a deeper investigation into high-risk customers to mitigate potential financial, legal, and reputational risks associated with money laundering and terrorist financing.
How to Improve Enhanced Due Diligence Skills
To improve Enhanced Due Diligence (EDD) as a KYC Analyst, focus on the following steps:
Stay Informed: Keep abreast of the latest regulatory changes and trends by regularly visiting authoritative resources like FATF (Financial Action Task Force) and FinCEN (Financial Crimes Enforcement Network).
Enhance Research Skills: Utilize advanced tools and databases for deeper background checks. Websites like World-Check provide valuable data for thorough investigations.
Understand the Customer’s Business: Gain a deep understanding of the customer’s industry, business model, and risk factors associated with their activities. Resources like Bureau van Dijk can offer extensive company, industry, and country intelligence.
Develop Analytical Skills: Hone your ability to analyze and interpret complex financial information. Engaging with analytical resources and courses on platforms like Coursera or edX can be beneficial.
Implement Technology Solutions: Adopt advanced KYC and EDD solutions that use AI and machine learning for risk assessment and monitoring. Explore technology providers such as Thomson Reuters CLEAR for cutting-edge tools.
Continuous Training: Participate in ongoing training programs and certifications related to AML and KYC compliance offered by organizations like ACAMS (Association of Certified Anti-Money Laundering Specialists).
Documentation and Reporting: Enhance your skills in documenting findings and reporting in a clear, concise, and effective manner. Ensure compliance with your organization’s policies and regulatory requirements.
By focusing on these areas, KYC Analysts can significantly improve their EDD processes, ensuring compliance and mitigating risks more effectively.
How to Display Enhanced Due Diligence Skills on Your Resume
12. LexisNexis
LexisNexis is a global provider of legal, regulatory, and business information and analytics, offering tools and services that support Know Your Customer (KYC) compliance and due diligence processes for KYC analysts by providing access to extensive databases for identity verification, risk assessment, and detailed background checks on individuals and entities.
Why It's Important
LexisNexis is important for KYC Analysts because it provides comprehensive and up-to-date data for identity verification, risk assessment, and due diligence processes, enabling accurate and efficient compliance with anti-money laundering (AML) and know your customer (KYC) regulations.
How to Improve LexisNexis Skills
Improving LexisNexis for a KYC (Know Your Customer) Analyst involves enhancing data accuracy, expanding global coverage, and integrating advanced analytics. Focus on:
Data Accuracy: Implement continuous, automated data verification processes to ensure high-quality, up-to-date information. Data Quality
Global Coverage: Expand the database to include more countries and languages, covering emerging markets. This involves collaborations with global data providers. LexisNexis WorldCompliance
Advanced Analytics: Incorporate AI and machine learning for predictive analytics, improving risk assessment capabilities. LexisNexis Risk Solutions
User-Friendly Interface: Streamline the interface to facilitate easier navigation and efficient information retrieval. LexisNexis User Experience
Integration Capabilities: Ensure LexisNexis can seamlessly integrate with other KYC and compliance tools, enhancing workflow automation. LexisNexis API
Training and Support: Provide comprehensive training materials and responsive support to help analysts maximize the platform’s capabilities. LexisNexis Training
Improving LexisNexis along these lines ensures it remains a powerful tool for KYC analysts, helping them to efficiently and effectively manage compliance and risk.
How to Display LexisNexis Skills on Your Resume
