Job Purpose

To assist Banking Directors and Associate Banking Directors to manage their defined Client Portfolios, and to be responsible for handling day-to-day administrative matters for those clients, providing exceptional levels of service.

Main responsibilities / key duties:

• To establish and maintain strong working relationships with clients, which will involve in person as well as online meetings.
• To handle day-to-day administrative matters (e.g. payment processing, account opening, foreign exchange, deposit requirements) with a particular emphasis on retail and commercial clients.
• To assist with the preparation of internal credit applications and with regular monitoring of existing borrowings in accordance with Company Credit policies and procedures. This requires gaining good skills in using the bank’s internal systems.
• To undertake or support any ad-hoc business projects as required including new product launches.
• Using effective questioning and listening skills to establish client and potential client needs.
• Maintaining accurate and relevant client records in accordance with the Bank’s procedures and data protection requirements. Assisting with all Anti Money Laundering requirements for a variety of client types.
• Working effectively with colleagues within Credit Risk, Client Operations, Financial Crime and other departments to provide exceptional client service and to meet the Bank’s objectives.
• Timeously completing mandatory eLearning and reading and any other assigned training.

Required qualifcations, knowledge, & skills:

• Preferably educated to a UK degree level or equivalent.
• Foundation awareness of how a bank operates and its commercial environment, as well as with issues likely to affect the Bank’s client base.
• A strong commitment to excellent client service and teamwork and a desire to develop their career within a progressive bank.
• Strong relationship building skills.
• Excellent interpersonal and communication skills (both written and oral).
• Good organisational and administrative skills
• Good knowledge of Microsoft Office applications.

To apply, please send your CV to peopleteam@hampdenbank.com

JOB PURPOSE

The Head of Credit plays a critical role in managing the credit risk in the Bank and ensuring sound credit stewardship within the Banking team. Reporting directly to the Chief Banking Officer, this leadership role is responsible for first line risk management of the Bank’s lending, authorising delegated credit discretion to Bankers and the overall quality and compliance of the credit book. The role is designated a Material Risk Taker for the Bank.

MAIN RESPONSIBILITIES / KEY DUTIES

Leadership and Management

• As a member of the Banking Senior Management Team, contribute to the leadership of the function driving the Bank’s strategy and business objectives.
• Supported by two Senior Sanctioning Officers oversee the quality of lending analysis and decision making of the Banking team.
• Work closely with the Heads of Banking to ensure positive development of credit skills and capability.
• Approve credit proposals above delegated discretion levels and below Credit Committee levels.
• Member of the Bank’s Credit Committee.

Operational Excellence

• Head of Credit, along with first and second line colleagues, will take part in a project to rework of the Bank’s lending policy and procedures with the objective of enabling easier decision making, streamlining processes, report writing, and improving the quality of output.
• Assure the quality of credit decisions with ongoing feedback and development training with banking team.
• Assure the quality of “in life” credit management including early identification of financial difficulties. E.g. Annual reviews, refer list management, etc.
• Ensure clients displaying early signs of distress/deterioration in credit quality are added to the ‘Watchlist’ and afforded the appropriate support and attention.
• Work with Credit Risk team on all relevant areas of credit management e.g. health of the credit portfolio, risk appetite, policy and distress/arrears management.
• Drive ongoing standardisation of efficient processes, workflows, and ways of working across all aspects of the credit process.
• Ongoing execution and management of credit function controls in relation to the Bank’s lending, and documenting this using the Bank’s Risk and Control Self-Assessment system.

Training and Competency

• Provide regular and relevant training to Banking team.
• Along with the Head of Credit Risk determine and deliver thematic and specialised training to help the Bank fulfil its strategy.

Collaboration and Continuous Improvement

• Work with the Credit Risk Team to identify opportunities for improvement and issues that need addressing
• Present the status of the credit portfolio and ongoing risk management to relevant committees
• Work with the Heads of Banking teams to provide feedback on Banker’s performance with lending
• Support organisational projects and strategic initiatives, ensuring the team’s alignment and contribution to broader business goals.
• Build and maintain constructive and effective relationships across the business in line with the Bank’s culture and behaviours.
• Work closely with the Head of Product for lending to develop the bank’s proposition and policies.

REQUIRED QUALIFCATIONS, KNOWLEDGE, & SKILLS

• Proven leadership and team management experience.
• Experience of working with all levels of seniority within Banking and specifically credit risk.
• Strong understanding of lending and credit risk management including arrears and distressed credits.
• Ability to manage workload planning and project capacity effectively.
• Strong interpersonal and communication skills, with the ability to influence and collaborate with stakeholders at all levels.
• Commitment to fostering a high-performance culture and developing team capabilities and competence.
• Knowledge of relevant regulatory and compliance requirements within the banking industry. MCOB would be helpful. Ideally CeMAP qualified.
• Technical specialist and strong ability to apply knowledge of credit risk control systems, processes and reporting.

Job Purpose

Act as a critical link between business stakeholders and modern data capabilities by leveraging Microsoft eco-system to design, build, and maintain new compliant, high‑quality analytical data solutions within a regulated financial‑services environment. The role focuses on transforming business objectives into robust, auditable data models, pipelines, and insights that support risk management, regulatory reporting, operational efficiency, and strategic decision‑making.

Collaborate with technical and non-technical teams to understand existing infrastructure and business needs and map to new strategic data products and processes that will provide insight and data driven decisioning

Key responsibilities:

• Engage with business stakeholders to understand and document data requirements aligned with organisational goals and regulatory requirements
• Translate business requirements into functional specs and data products to support change, process improvement, new analytical products and automation.
• Design and build Lakehouse/Warehouse data models and pipelines to support end to end data ingestion through to MI and Dashboards such as Customer Analytics, Risk MI, Financial Crime monitoring, reg reporting and marketing.
• Implement and monitor audit trails such as Data Lineage, Quality and traceability
• Utilise data to analyse, interpret and visualise trends, patterns, and business and efficiency opportunities.
• Develop use cases and user stories in collaboration with stakeholders to ensure alignment and clarity.
• Facilitate workshops and stakeholder meetings to gather insights, validate requirements and share findings.
• Develop and maintain documentation, including data models, process flows, data dictionaries, and business glossaries.
• Support data quality initiatives, identifying and addressing data issues or inconsistencies and maintenance of Critical Data Elements (CDEs).
• Assist in the design and implementation of data governance and data management practices.
• Facilitate data-driven decision-making through the creation of Power BI dashboards, reports, and presentations.
• Provide guidance and support to business stakeholders and users to aid the delivery of project and change lifecycles.
• Support the wider project and change delivery team, including business case development, planning, workshops, reporting, RAID and action logs.
• Maintain effective controls to mitigate risk and ensure compliance with required processes and procedures, including Treating Clients Fairly, and report any failings to line management or the Risk department.
• Champion a culture of data literacy and continuous improvement within the business. Foster a data led ethos across all business areas

Required skills, knowledge & experience:

• Bachelor’s degree in business, Information Systems, Data Science, or a related field (or equivalent experience).
• Relevant certifications (e.g., IIBA CBAP, BCS Business Analysis, or data analytics qualifications) are advantageous.
• Proven experience with the Microsoft Fabric stack (SQL, Power BI, Azure, PowerApps, Dynamics) with a focus on data or analytics projects.
• Experience of Oracle systems and data structures is desirable
• Demonstrated track record of delivering data-driven solutions to business challenges.
• Experience working with cross-functional teams in a fast-paced environment to gather and map requirements
• Strong analytical and problem-solving skills, with the ability to interpret complex data sets.
• Excellent communication and stakeholder management skills.
• Proficiency in data visualisation tools and automation techniques
• Experience with data querying languages (e.g. SQL) and understanding of data structures and security models.
• Knowledge of data governance, data quality, and data management best practices.
• Understanding of data privacy and compliance requirements (e.g., GDPR).
• Ability to document processes, requirements, and data flows clearly and concisely.
• Familiarity with Agile and/or Waterfall project methodologies.
• Adaptability and willingness to learn new technologies or concepts in the data domain.

Personal Attributes

• Curious and proactive mindset, with a passion for deriving insights from data.
• Strong attention to detail and commitment to data accuracy and integrity.
• Collaborative approach and ability to work effectively with diverse teams.
• Strong organisational and time management skills.

Job Purpose

To assist Banking Directors and Associate Banking Directors to manage their defined Client Portfolios, and to be responsible for handling day-to-day administrative matters for those clients, providing exceptional levels of service.

Key responsibilities:

• To establish and maintain strong working relationships with clients, which will involve in person as well as online meetings.
• To handle day-to-day administrative matters (e.g. payment processing, account opening, foreign exchange, deposit requirements) with a particular emphasis on retail and commercial clients.
• To assist with the preparation of internal credit applications and with regular monitoring of existing borrowings in accordance with Company Credit policies and procedures. This requires gaining good skills in using the bank’s internal systems.
• To undertake or support any ad-hoc business projects as required including new product launches.
• Using effective questioning and listening skills to establish client and potential client needs.
• Maintaining accurate and relevant client records in accordance with the Bank’s procedures and data protection requirements. Assisting with all Anti Money Laundering requirements for a variety of client types.
• Working effectively with colleagues within Credit Risk, Client Operations, Financial Crime and other departments to provide exceptional client service and to meet the Bank’s objectives.
• Timeously completing mandatory eLearning and reading and any other assigned training.

Required skills, knowledge & experience:

• Preferably educated to a UK degree level or equivalent.
• Foundation awareness of how a bank operates and its commercial environment, as well as with issues likely to affect the Bank’s client base.
• A strong commitment to excellent client service and teamwork and a desire to develop their career within a progressive bank.
• Strong relationship building skills.
• Excellent interpersonal and communication skills (both written and oral).
• Good organisational and administrative skills
• Good knowledge of Microsoft Office applications.
• People leader experience is desirable.

JOB PURPOSE

The Senior Product Owner for Lending Products is responsible for the strategic ownership, development, governance and continuous improvement of the Bank’s non‑regulated lending propositions, including commercial lending, bespoke lending solutions and associate client journeys. The role ensures products deliver strong client outcomes, operate efficiently, manage risk effectively, and achieve sustainable commercial performance across their full lifecycle.

Operating within a regulated environment, the role is responsible for compliance with all relevant regulatory and governance requirements, including Consumer Duty, financial crime, and risk frameworks. Working cross-functionally, the Senior Product Owner translates strategic goals into clear product roadmaps, process enhancements, and scalable lending capabilities aligned to the Bank’s growth objectives.

• Lead the development, enhancement and optimisation of lending propositions, operational processes, and digital capabilities.
• Ensure lending products remain competitive and commercially viable, operationally efficient and aligned to client and intermediary needs.
• Drive delivery of strategic, regulatory and technology change initiatives through RUN and Change projects through the appropriate governance frameworks.
• Oversee product governance activities including product approvals, product reviews, pricing changes, policy alignment and product withdrawal considerations.
• Monitor product performance through MI, client insight, pipeline performance, utilisation trends, complaints data, operational metrics and commercial performance measures.
• Partner closely with Credit Risk to ensure alignment between product design, underwriting appetite, portfolio performance, and operational execution.
• Support optimisation of onboarding, credit assessment, fulfilment, servicing and client management journeys to improve efficiency and client experience.
• Ensure supporting operational processes and controls, and systems remain robust, scalable, resilient and aligned to regulatory risk expectations.
• Manage relationships with third party providers, intermediaries, technology partners, legal suppliers, and operational vendors supporting lending activities.
• Support the Bank’s digital agenda through workflow optimisation, automation, data led decision making, and enhanced client servicing capability.
• Maintain training and competence (T&C) arrangements relevant to lending activities, ensuring colleagues involved in lending journeys maintain appropriate knowledge, capability and understanding of products, policy, conduct expectations and operational processes.
• Work in partnership with Compliance, Risk and operational leadership teams to support effective T&C frameworks, quality assurance activity, coaching outcomes and continuous improvement initiatives.
• Monitor conduct indicators, client outcomes, quality assurance findings, complaint trends, and operational risk events and identify training needs and drive improvements in colleague capability and client experience.
• Act as a senior subject matter expert for lending products across commercial, operational, conduct, client and governance.

REQUIRED QUALIFCATIONS, KNOWLEDGE, & SKILLS

• Requires strong commercial awareness, regulatory understanding, and stakeholder management capability.
• Experience operating within lending environments is essential.
• Ability to balance client outcomes, risk management, and operational effectiveness.
• Ensures colleague competence while supporting delivery across teams.
• Aligns delivery with strategic growth objectives.
• Influences and collaborates effectively across multidisciplinary teams.

Job Purpose

The Senior Product Owner for Mortgages & Regulated Lending is responsible for the strategic ownership, development, governance and continuous improvement of the Bank’s mortgage and regulated lending propositions, including regulated lending products and associate client journeys. The role ensures products and services deliver strong client outcomes, regulatory compliance, operational efficiency and sustainable commercial performance across the full product design lifecycle.

Operating within a regulated banking environment, the role ensures adherence to all applicable regulatory obligations, including MCOB, Consumer Duty affordability and vulnerability expectations, training and competence (T&C) requirements, financial crime obligations, complaints handling standards and conduct risk frameworks. Working cross-functionally, the Senior Product Owner translates strategic goals into clear product roadmaps, process enhancements, and scalable lending capabilities aligned to the Bank’s growth objectives.

Key responsibilities:

• Own the strategic roadmap for mortgage and regulated lending products and associated client journeys.
• Lead the design enhancement and optimisation of lending propositions, processes and digital capabilities.
• Ensure products and lending journeys deliver fair value, good client outcomes and appropriate client support throughout the lifecycle.
• Drive delivery of regulatory, operational and strategic change initiatives through agile and governance frameworks.
• Oversee product governance activities including new product approvals, product reviews, pricing changes, policy alignment and product withdrawal considerations.
• Monitor product performance through MI, customer insight, arrears trends, complaints data, conduct indicators, operational metrics, and commercial performance measures.
• Partner with Credit Risk and underwriting to ensure alignment between risk appetite, lending policy, operational execution and customer experience.
• Support optimisation of onboarding, affordability assessment, servicing, retention, and collections processes to improve efficiency and client outcomes.
• Ensure operational processes and supporting systems remain robust, scalable, resilient and compliant with regulatory expectations.
• Manage relationships with third party providers, intermediaries, valuation partners, legal suppliers and technology vendors supporting the lending proposition.
• Support the Bank’s technology and digital agenda through automation, workflow optimisation, and improved client self service capability.
• Maintain oversight of Training and Competence (T&C) arrangements relevant to regulated lending activities, ensuring colleagues operating within mortgage and lending journeys maintain appropriate accreditation and regulatory competence.
• Work in partnership with Compliance, Risk and operational leadership teams to effectively support T&C frameworks, quality assurance activity, coaching outcomes and continuous improvement initiatives.
• Monitor conduct, client outcomes, quality assurance findings, complaints trends and regulatory developments to identify training needs and drive enhancements to colleague capability and client experience.
• Act as a senior subject matter expert for mortgage and regulated lending products across regulatory, operational, conduct, customer and competency dimensions.

Required skills, knowledge & experience:

• Requires strong commercial awareness, regulatory understanding, and stakeholder management capability.
• Experience operating within regulated lending environments is essential.
• Ability to balance client outcomes, risk management, and operational effectiveness.
• Ensures colleague competence while supporting delivery across teams.
• Aligns delivery with strategic growth objectives.
• Influences and collaborates effectively across multidisciplinary teams.

Job Purpose

The Business Support Assistant is responsible for supporting the delivery of exceptional client service by assisting the Banking Team with day-to-day administrative matters for clients, providing exceptional levels of service.

Key responsibilities:

• Handle day-to-day administrative matters to support the Assistant Banking Managers and Business Support Assistant team (inc. payment processing, account opening, foreign exchange, deposit requirements etc.)
• Full compliance with regulatory requirements, risk appetite and Bank policies and guides to make sure we are providing good outcomes for our clients
• Support the maintenance of internal office systems, including data management and filing, to ensure efficient operations.
• Consistent and accurate use of CRM including addition of appointments, updating meetings notes, logging prospects, new and referred business etc.
• Preparation of documents, briefing papers, reports, returns and presentations as appropriate.

This is an office-based role, and the successful candidate will initially be required to work full-time (Monday to Friday) from our London office. The role will also require flexibility around working hours to support the organisation and covering team telephony.

Operational Excellence

• Answer enquiries and respond to requests in a timely fashion
• Seek to deliver a right first-time approach with minimal errors (inc. payments, onboarding, credit application keying) to enhance client experience
• Maintain accurate and relevant client records in accordance with the Bank’s procedures and data protection (inc. KYC / anti-money laundering reviews)

Collaboration and Continuous Improvement

• Liaise and work effectively with colleagues in other areas of the bank (incl. the Client Origination Team, Banking Operations, Credit Operations and First Line of Defence)
• Undertake and/or support ad-hoc business tasks and projects as required
• Role holder may also be required to carry out additional duties from time-to-time that are considered appropriate to the role holder’s knowledge and experience
• Develop and maintain strong working relationships with colleagues and clients.

Training and Competency

Timely completion of mandatory eLearning and reading, and any other assigned training

Required skills, knowledge & experience:

• Good awareness of how a bank operates and its commercial environment, as well as with issues likely to affect the Bank’s client base
• A strong commitment to excellent client service and teamwork and a desire to develop a career within a progressive bank
• Exceptional organisational and administrative skills
• Excellent attention to detail and high levels of accuracy
• Strong and professional communication skills (written and oral).
• Knowledge of relevant regulatory and compliance requirements within the banking industry.
• A positive attitude, good interpersonal skills, and a strong desire to increase skills and knowledge.
• Ability to positively challenge both colleagues and clients where appropriate.
• Pro-active, with the ability to work alone where required
• Takes ownership but asks for help when needed
• Strong level of computer literacy (inc. Microsoft applications).
• Achieved or working towards Professional Banker Diploma and/or CeMap qualification preferable, but not essential
• Seek out efficiencies, take on feedback and strive for continuous improvement within the Banking Team and within the Bank more widely.

Job Purpose

To ensure the timely and accurate processing of client data and transactions in the payments process. To ensure that excellent client service is provided, and the expectations of Hampden Bank clients are met.

Key responsibilities:

• Ensure exceptional client service is maintained across the team, including but not exclusively:
  • Processing of clients’ payment instructions
  • Process Sterling and other currency payment types using industry standard payment mechanisms including, Faster Payments, CHAPS, and SWIFT
  • Reconciliations
  • Support the Treasury function in the execution of its services including foreign exchange and money market deals and confirmations
  • Fraud prevention measures for all payment types and transactions

• Ensure Service Level Agreements are met.
• Participate in project and change activities relevant to the team and the department.
• Provide support and temporary absence cover for colleagues.
• Any other related tasks which may be assigned from time to time which are reasonable in relation the role and skills and experience.

Required skills, knowledge & experience:

• Excellent organisational and time management skills.
• Ability to work accurately under pressure and meet deadlines.
• Strong attention to detail.
• A strong level of computer literacy and keyboard skills.
• Self-starter and team player.
• Desire to learn and enhance skills and knowledge.
• Experience and knowledge of banking processes or similar is desirable (but not essential).
• Experience in a similar role is desirable (but not essential).

Job Purpose:

To provide high quality, commercially focused advice and delivery across a broad range of matters, supporting the Chief Legal & Corporate Affairs Officer and with the ability to influence stakeholders at all levels across the Bank. Operating within a small, team, the role combines a wide range of hands on legal work with company secretarial and wider governance responsibilities, including deputising for the Chief Legal & Corporate Affairs Officer as required. The role holder will be involved in a wide variety of legal and governance matters, helping the Bank meet its legal and governance obligations while supporting the delivery of strategic business objectives within the agreed risk appetite.

Key Responsibilities:

• Provide pragmatic and commercial legal and governance advice within a UK private banking context.
• Draft, review and negotiate a wide range of documentation, including client and product documentation and commercial/supplier contracts.
• Support the delivery of strategic initiatives, change projects and new product development, balancing risk with commercial objectives.
• Identify, assess and manage legal and regulatory risks, contributing to the development of frameworks, policies and processes.
• Support and deputise for the Chief Legal & Corporate Affairs Officer, acting as a key day to day legal contact for the business.
• Act as Secretary for Management and Board level Committees, including preparing and collating papers, minuting meetings, and advising stakeholders on governance pathways and decision-making.
• Key point of contact for shareholder matters, including responding to queries.
• Undertake legal and governance horizon scanning, providing insight and reporting on relevant developments.
• Manage external legal counsel, ensuring effective outcomes and cost control.
• Build strong relationships across the business, acting as a trusted adviser and translating complex issues into clear, actionable guidance.
• Contribute to the development of the legal function, including improving templates, processes and knowledge sharing.
• Handle business-as-usual legal queries, working flexibly across a broad range of issues and projects.
• Support and guide the adoption of technology, including AI, to enhance the delivery, efficiency, and insight of the Legal team.

Required Skills, Knowledge & Experience:

• Qualified solicitor (Scotland or England & Wales), with significant post-qualification experience (typically 6+ years) gained in private practice and/or in-house.
• Strong technical expertise in commercial contracts and both personal and corporate law, with a sound understanding of the legal and regulatory framework applicable to private banking.
• Experience operating in a highly regulated environment, ideally within banking, wealth management, or financial services, with a focus on delivering practical, business aligned legal advice.
• Adaptability and willingness to learn – the role will have broad responsibilities within a small business and the successful candidate will have to manage a broad range of competing priorities.
• The communication skills and gravitas to interact and influence and Board and executive level.
• Experience or a willingness to learn and devote a material portion of the role to company secretarial and corporate governance, including supporting Board and committees.
• Excellent drafting and negotiation skills, with the ability to present complex legal issues clearly and influence decision-making.
• Strong analytical and problem solving capability, with the ability to assess and proactively mitigate legal risk.
• The drive to operate autonomously within a small team, while maintaining a collaborative approach.
• Proven relationship building skills, with the ability to work effectively across the Bank and external stakeholders.
• Highly organised, with strong prioritisation skills and ability to deliver at pace.

Job Purpose

To assist Banking Directors and Associate Banking Directors to manage their defined Client Portfolios, and to be responsible for handling day-to-day administrative matters for those clients, providing exceptional levels of service.

Key responsibilities:

• To establish and maintain strong working relationships with clients, which will involve in person as well as online meetings.
• To handle day-to-day administrative matters (e.g. payment processing, account opening, foreign exchange, deposit requirements) with a particular emphasis on retail and commercial clients.
• To assist with the preparation of internal credit applications and with regular monitoring of existing borrowings in accordance with Company Credit policies and procedures. This requires gaining good skills in using the bank’s internal systems.
• To undertake or support any ad-hoc business projects as required including new product launches.
• Using effective questioning and listening skills to establish client and potential client needs.
• Maintaining accurate and relevant client records in accordance with the Bank’s procedures and data protection requirements. Assisting with all Anti Money Laundering requirements for a variety of client types.
• Working effectively with colleagues within Credit Risk, Client Operations, Financial Crime and other departments to provide exceptional client service and to meet the Bank’s objectives.
• Timeously completing mandatory eLearning and reading and any other assigned training.

Required Skills, Knowledge & Experience:

• Preferably educated to a UK degree level or equivalent.
• Foundation awareness of how a bank operates and its commercial environment, as well as with issues likely to affect the Bank’s client base.
• A strong commitment to excellent client service and teamwork and a desire to develop their career within a progressive bank.
• Strong relationship building skills.
• Excellent interpersonal and communication skills (both written and oral).
• Good organisational and administrative skills
• Good knowledge of Microsoft Office applications.

To apply, please send your CV to peopleteam@hampdenbank.com

Job Purpose

To manage multiple credit propositions simultaneously from sanction to drawdown, including production and perfection of all necessary facility and security documents in order to ensure that excellent client service is provided and that the expectations of Hampden Bank clients are met.

Key responsibilities:

• Analysis of all types of credit propositions to ensure compliance with relative laws and regulation as they apply
• Prepare all types of facility and security documentation and administer through to completion
• Instruction of and liaison with external legal advisors
• Establish and maintain good relationships with Private Bankers and external legal advisors
• Ensure exceptional client service is maintained and Service Level Agreements (SLAs) are met
• Ensure all work is processed to the highest standard and in accordance with the Bank’s procedures
• Provide advice, guidance and support to team members commensurate with knowledge and experience
• Any other related tasks which may be assigned from time to time which are considered to reasonable in relation to the role and skills and experience of the role holder

Required skills, knowledge & experience:

• Chartered Banker or equivalent desired
• Awareness of requirements for perfecting security subject to the laws of England & Wales and / or Scotland
• Awareness of the relevant UK regulations including CCA and MCOB
• Good knowledge of banking systems and controls desired
• Good organisational and time management skills
• Excellent attention to detail
• Ability to work accurately under pressure and meet deadlines
• Ability to organise workloads and priorities effectively
• Strong communication and team working skills
• A strong level of computer literacy and excellent keyboard