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Palmpay recruitment in Nigeria, Palmpay jobs ( 12 positions )

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PalmPay is a pan-African fintech company currently operating in Nigeria and Ghana and expanding to other markets in 2022. The company is reinventing the payments experience by making it easy and reliable for everyone to transfer money, pay bills and shop online.

Palmpay is recruiting to fill the following positions:

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See Palmpay jobs in Nigeria below:

 

Palmpay Recruitment in Nigeria 12 positions in all – apply now for these Palmpay jobs or share

Job Title: User Researcher

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Location: Ikeja, Lagos
Job type: Full Time
Level: Mid Level

Job Description

  • We’re looking for an experienced User Researcher who is passionate about our mission of driving financial inclusion in Africa and has a strong desire to literally walk in the shoes of our users and communicate their needs effectively for user centered product development.
  • In this role, you’ll be responsible for customer based research, developing user feedback channels and collecting and analyzing customer insights across both new and existing channels.
  • You’ll work to understand existing and potential customers and collect detailed insights as well as action them with the team.
  • This role is based in Lagos, Nigeria head office and requires a keen eye for details, super-analytical and presentation skills.
  • We are looking for someone who has a deep knowledge of the fintech industry and great research capabilities to join the local product team and provide quality customer insights to aid informed product development.

About the Role

  • Define, plan, and conduct user research through various methods with different market segments
  • Continually contribute to our foundational research, including frameworks that describe our users (e.g. segmentation, user journeys)
  • Work with product team to develop and advocate appropriate research strategies to understand user needs for a service, and to continually test and improve our services.
  • Effectively communicate user research findings to the team and the wider company, so that they share a strong and empathetic understanding of the users
  • Deliver compelling insights to the product and design teams
  • Facilitate evidence-based product and design decisions
  • Develop and innovate on our mixed-methods user research practice
  • Contribute to company-wide research strategy
  • Conduct customer & market information reporting to gain local insights.
  • Conduct post release surveys of new features and app improvements.
  • Conduct regular NPS surveys and analysis to the team.
  • Conduct regular review and reporting of customer feedback from all channels – Play Store, IOS store, WhatsApp group etc.
  • Strengthen customer feedback channels by improving engagement to increase feedback quality.

Requirements

  • Bachelor’s Degree in Statistics, Psychology, other Social Sciences or related field
  • At least three years of user research experience in a consumer focused company
  • Broad experience in using a variety of user research methods to reveal actionable insights and are to synthesize quantitative data with qualitative user research.
  • Some experience of taking software products to market and adequate knowledge of the payments or financial services industry
  • Have experience with designing, running and analyzing controlled behavioural experiments
  • Proven experience of presenting user research findings in a wide variety of formats and contexts.
  • Familiar with quantitative analysis tools and other relevant software eg SPSS, SQL, User-Testing etc.
  • Excellent analytical and problem solving skills, and the ability to quickly develop recommendations based on quantitative and qualitative evidence.
  • Excellent storyteller and communicator, able to speak fluently to business people, designers, engineers and other key partners
  • Dedicated advocate of a user-centered approach to product development
  • Enjoy collaborative work in a dynamic, data-driven, creative environment.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

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Job Title: Product Analyst ( Palmpay Recruitment )

Location: Ikeja, Lagos
Job type: Full Time
Level: Mid Level

Job Description

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  • We’re looking for an experienced Product Analyst who is passionate about our mission of driving financial inclusion in Africa and inquisitive about the Fintech space in Nigeria and the rest of the world.
  • In this role, you will be responsible for evaluating the PalmPay app and other company’s products, comparing them against competitor offerings and matching them with market trends, analyzing market data, identifying consumer behaviors and trends and making recommendations from a local perspective.
  • This role is based in Lagos, Nigeria head office and requires a keen eye for details, super-analytical and presentation skills.
  • We are looking for someone who has a deep knowledge of the fintech industry and great research capabilities to join the local product team and provide quality reports to aid informed product development.

Job Roles & Responsibilities

  • Evaluate PalmPay products and compare them against industry trends.
  • Develop an understanding of company products to meet the company’s current and future needs.
  • Monitor competitor’s products as well as market conditions, analyze market data, trends, and behaviors.
  • Render weekly, monthly and quarterly reports and presentations on market dynamics, local and international competitor trends and activities.
  • Provide assistance with product and rating reviews.
  • Collating and analyzing feedback from both existing and new customers.
  • Conducting various usability tests with a cross section of users.
  • Participate in both structured and unstructured consumer research for deep product insights.
  • Assist the company in achieving short and long-term goals relating to product growth.
  • Work with other company departments to improve product development.

Requirements

  • Bachelor’s Degree in Business, Economics, Mathematics or any related field
  • Minimum of 3 years experience in product analysis
  • Proficient in MS Office suite and familiarity with and willingness to use online collaboration tools such as Google Drive suite etc.
  • Ability to work in a fast paced work environment
  • Strong written and verbal communication skills
  • Excellent multitasking and problem-solving abilities
  • Exceptional analytical & time-management skills
  • Should be strongly self-motivated and can work independently
  • Good copywriting, presentation, excel and power point skills.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online


Job Title: Technical Support Engineer (Palmpay Recruitment )

Location: Ikeja, Lagos
Job Type: Full Time
Level: Experienced

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Job Desscription

  • Data analysis of payment channel and problem analysis
  • Deal with and respond to business problems, cooperate with customer service team to solve problem
  • Collect requirements, collect suggestions and optimize products;
  • Coordinating and promote the problem solving of each department, and optimize the work flow of each department;
  • Following up channel problems and contact channel supplier to locate and solve problems;
  • Timely respond to Shenzhen team issues and report the progress of problems;
  • Take ownership of customer issues reported and see problems through to resolution
  • Research, diagnose, troubleshoot and identify solutions to resolve customer issues
  • Follow standard procedures for proper escalation of unresolved issues to the appropriate internal teams
  • Provide prompt and accurate feedback to customers
  • Ensure proper recording and closure of all issues
  • Prepare accurate and timely reports
  • Document knowledge in the form of knowledge base tech notes and articles
  • Follow the SLA for issues with respect to the severity.

Job Qualification

  • Bachelor’s Degree or above, major in Computer Science
  • 5 – 10 years working experience, can understand code and analysis log
  • Good logical thinking ability and self-study ability
  • Positive and responsible working attitude, good communication ability and coordination ability;
  • Be able to respond and cooperate with all departments in time
  • Be able to work overtime on holidays.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online


Job Title: Anti-Fraud Officer ( Palmpay Recruitment )

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Location: Ikeja, Lagos
Job Type: Full Time
Level: Mid Level

Job Overview

  • We are currently seeking Fraud Investigations Analysts to assist our Risk Control in providing a professional investigating, monitoring, detection and recovery service to protect the company from losses due to fraudulent applications, internal fraud and other risk events across the Group.

Job Responsibilities

  • Conduct objective, fair, thorough, unbiased and timely investigations into allegations of fraud, waste or abuse committed by clients against our company
  • Monitoring fraud alerts and review fraud cases, investigate possible matches and minimize losses by taking appropriate action when ‘hits’ are identified.
  • Proactively monitor and review any activities, transactions and data suspected for possible fraud across all payment channels by utilizing appropriate analytical techniques.
  • As needed, contact customers regarding the status of their payments or supporting evidence while providing excellent customer support
  • Providing support to the Operational, Compliance and Business units of the organization on fraud related matters

Job Requirements

  • Qualification relating to fraud, investigations or regulatory compliance is highly desirable
  • Should possess knowledge of fraud prevention/detection techniques, and Fraud Management.
  • 3 years (or more) of experience in an analytical, operations, or finance role. Experience at a payments, finance, fin-tech, or technology company a plus.
  • Team player and collaborates with others constructively and positively. Able to communicate and collaborate with global colleagues in a timely manner.
  • Strong organizational and time management skills with the ability to meet deadlines and achieve objectives
  • Proficient in the use of social media, (Facebook, WhatsApp, Twitter, Telegram, Instagram, YouTube, TikTok).

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

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Job Title: Payment Channel Manager ( Palmpay Recruitment )

Location: Ikeja, Lagos
Job Type: Full Time
Level: Mid Level

Job Description

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  • As we work to scale to become Africa’s #1 payments brand, we are looking for a Payment Channel Manager who can help us expand payment channels with core focus in banking, switching companies, settlement companies, payment service provider, and others.
  • An ideal candidate must have comprehensive understanding of e-wallet and payment business, great understanding of agency banking and merchant scenarios.
  • You must be focused on the details, process driven, a strong communicator and able t handle work pressure in a fast-paced work environment.

Job Responsibilities

  • Expand payment channels including but not only focusing on banking, switching company, settlement company, payment service provider, etc.
  • Work closely with internal settlement, products, operation and compliance teams to fully understand payment channel requirements.
  • Develop and adjust business development plans of connecting payment channels based on different sets of strategic priorities.
  • Ensure payment channels has stable connection with our system and provide quick response to any channel related issues.
  • Work closely with operation teams to suggest and recommend new initiatives that could improve customers experience with the usage of our mobile application and payment system.
  • Prepare competitor’s product comparative analysis, identifying areas for improvement of our company’s product and channel capabilities.

Job Requirements

  • At least Bachelor’s Degree in relevant courses.
  • At least three years proven experience in in similar position at payment companies or Fintech and/or relationship manager ideally focused on the payment segment working with key stakeholder. This is a prerequisite.
  • Comprehensive understanding of e-wallet and payment business, great understanding of agency banking and merchant scenarios.
  • Extremely flexible, result oriented, hardworking with a strong track record of success.
  • Good at drafting business/product/service proposal, delivering presentation, negotiating commercials and driving the conversation on the right track.
  • Self-motivated and able to work independently to meet and exceed channel target.
  • Able to analyse data and channel statistics and translate results into numbers and solutions.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online


Job Title: Business Compliance Manager ( Palmpay Recruitment )

Location: Ikeja, Lagos
Job Type: Full Time
Level: Mid Level

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Job Description

  • As we work to scale to become Africa’s #1 payments brand, we are looking for a Business Compliance Manager who can help us deliver business change within the regulatory environment.
  • You will help to drive our strategy, advising the commercial teams on regulatory and compliance aspects of new propositions. Within the compliance team you will support the core business within their operational activities.
  • The role will be split between the compliance and operational teams.
  • You already have a detailed understanding of the regulatory environment within Nigeria across the financial services space and how companies have executed their different propositions.
  • You will be focused on the details, process driven and a strong communicator.

About the Role 

  • Advise the business about how best to achieve new product launches from a regulatory / compliance perspective
  • Complete regulatory and compliance research
  • Write reports which explain the regulatory constraints, risks, and market conditions to communicate how we can successfully launch new services
  • Work closely with internal stakeholders such as Commercial, Product, Operations and Technology to identify and mitigate the risks associated with the existing and new business
  • Taking the lead from the Head of Compliance, build your network with external stakeholders to help us navigate regulatory and compliance changes for the new propositions
  • On a proactive basis, review and document processes and procedures and assess the associated compliance risks
  • Manage effective action plans in response to audit discoveries and compliance violations
  • Support with compliance reporting – ensure all compliance reviews/reports are being performed timely, adequately, and appropriately documented
  • Support the analysis and rendition of reports to our local regulators CBN, NFIU, NDIC etc
  • Assist in the management of one or more compliance processes, reports, procedures, or products
  • Execute processes and procedures within defined parameters
  • Any other job that may be assigned by the Product Director or Head of Compliance.

About You
Practically, we would expect you to have:

  • A Bachelor’s Degree in (Statistics / Accounting / Banking & Finance / Mathematics / LLB / Science) or any related field
  • Not less than three (3) years relevant experience in compliance role with at least two (2) years in the financial services industry
  • Good Communication skills
  • Attention to details
  • Must be an active team player.
  • Ideally, you might also have had some previous experience of:  Market analysis, strategy development and process development.

You may be a good fit if you are:

  • Analytical and thoughtful with a high level of attention to detail
  • Structured in your working approach
  • Able to break problems down into individual questions
  • A collaborative teammate, happy to share knowledge and learn from others while working through complex problems.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online


Job Title: Transaction Monitoring Officer ( Palmpay Recruitment )

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Location: Ikeja, Lagos
Job Type: Full Time
Level: Mid Level

Job Description

  • We’re looking for an experienced Transaction Monitoring Officer who will be responsible for AML / CFT Monitoring including reviews and investigations on matters escalated from the business, drafting of responses to correspondent questionnaires, regulatory submissions, filling of Suspicious Transaction Reports (“STRs”) or other ad hoc tasks within the remit of the Monitoring Team.
  • The role entails assisting in the development, implementation, and maintenance of the Anti-Money Laundering program within the company.

Job Responsibilities
Operational:

  • Monitor business relations and transactions from a Due Diligence and Money Laundering / Terrorist Financing perspective on an on-going basis through the Automated Transaction Monitoring Systems.
  • Monitor customer transactions from an Anti-Money Laundering (“AML”) perspective.
  • Ensure closure of alerts with appropriate closure remarks / comments.
  • Ensure that investigators are following the appropriate escalation mechanisms when responses are not obtained from business lines.
  • Manage, identify, and escalate suspicious transactions to the line manager for onwards reporting to the Financial Monitoring Unit.
  • Review the Anti-Money Laundering/Combating of Terrorism Financing Profile submitted by investigators on regular basis.
  • Review STRs reported, created cases and identify certain trends to take appropriate measures.
  • Conduct Quality Assurance (“QA”) of closed AML alerts using a sampling methodology.
  • Review existing AML Scenarios and give suggestions for improvement and rationalization.
  • Keep abreast of related laws, regulations and best practices pertaining to Anti-Money Laundering/Combating of Terrorism Financing.
  • Contribute in giving suggestions to enhance systems, methodologies, and process simplification.
  • Identify and assess possible Money Laundering / Terrorist Financing risks that may arise in relation to new products, services, business practices and delivery mechanisms.
  • Manage day-to-day AML operations, including oversight over the implementation and adherence to the Compliance Manual.
  • Support the Head of Anti-Money Laundering/Combating of Terrorism Financing in responding to Correspondent Banks and Financial Institutions AML questionnaires and queries.
  • Participate in relevant Anti-Money Laundering/Combating of Terrorism Financing related projects as per the Bank’s project guidelines.

Reporting:

  • Prepare and submit quarterly reports to the relevant bodies and institutions.
  • Report AML statistics to the line manager and the Head of Compliance (“HOC”) and update the AML dashboard.

Policies, Systems, Process & Procedures:

  • Follow all relevant policies, processes and standard operating procedures, and instructions so that the work is carried out in a controlled and consistent manner.
  • Oversee the effectiveness of the Transaction Monitoring systems including defining system requirements, parameters, scenarios, logic, and underlying models.
  • Act as a Subject Matter Expert to support Compliance in developing, maintaining, and reviewing Anti-Money Laundering/Combating of Terrorism Financing related policies, procedures, and processes.
  • Develop regular monitoring procedures and practices to assess the adequacy and effectiveness of internal systems of control and measures.

Supervision:

  • Coordinate with cross functional business units on advisory related to Anti-Money Laundering/Combating of Terrorism Financing and Transaction monitoring issues.
  • Provide guidance and on the job training for colleagues and conduct knowledge sharing sessions.
  • Manage the Monitoring Team by tracking against individual objectives and motivating staff to maximize performance.

Compliance:

  • Ensure that Anti-Money Laundering/Combating of Terrorism Financing procedures are implemented and maintained in line with local regulations and international best practices within Compliance, Business, and Operations for new and existing customers.
  • Emphasize the importance of the Compliance Division to the company’s overall business practices.
  • Maintain strict confidentiality of STRs either under investigation, filing or filed.
  • Ensure timely remediation of gaps identified in internal/external audits and regulator’s supervisory audits related to Anti-Money Laundering/Combating of Terrorism Financing.
  • Complete the mandatory compliance training within the specified timeframe.

Required Skills

  • 5+ Years of professional experience
  • At least 4 years of business experience in an AML Compliance role
  • Financial Crime and compliance knowledge, specifically AML / CFT.
  • In-depth understanding of Rules / Regulations relating to AML / CFT.
  • Accuracy and attention to detail.
  • Proficiency in office management tools (PC Skills, MS Office).
  • Team Management Skills

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

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Job Title: Quality Assurance Officer ( Palmpay Recruitment )

Location: Ikeja, Lagos
Job type: Contracted
Level: Mid Level

Job Description

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  • We’re looking for an experienced Quality Assurance Officer for our Collection Team. An ideal candidate should be passionate about our mission of driving financial inclusion in Africa and inquisitive about the Fintech space in Nigeria and the rest of the world.

Job Responsibilities
In this role, you will be responsible for:

  • Preparing and implementing quality assurance policies and procedures.
  • Performing routine inspections and quality tests.
  • Identifying and resolving workflow and production issues.
  • Ensuring that standards and safety regulations are observed.
  • Addressing and discussing issues and proposed solutions with superiors.
  • Documenting quality assurance activities and creating audit reports.
  • Making recommendations for improvement.
  • Creating training materials and operating manuals.
  • Monitoring risk activities
  • Evaluating collective actions, recognizing and maintaining confidentiality of materials in the work settings
  • Investigating customers complaints and non-conformance issues.

Job Requirements

  • Candidates should possess an HND or B.Sc
  • Experience in Fintech industry will be an added advantage.
  • Certificate in quality assurance is a plus.
  • Previous experiences in quality assurance or a similar field.
  • Working knowledge of tools, methods, and concepts of quality assurance.
  • Solid knowledge of relevant regulatory standards.
  • Good communication skills, both verbal and written.
  • Excellent data collection and analysis skills.
  • Strong attention to detail.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online


Job Title: Treasury Specialist ( Palmpay Recruitment )

Location: Ikeja, Lagos
Job type: Full Time
Level: Mid level

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Job Summary

  • We’re looking for an experienced Treasury Specialist who is passionate about our mission of driving financial inclusion in Africa and inquisitive about the Fintech space in Nigeria and the rest of the world. In this role, you will be responsible for:

Job Description

  • Responsibility for accurate and timely fund related report.
  • Monitor daily cash position and cash flow with funding arrangement
  • Daily liquidity forecast, cash flow analysis to ensure the forecast quality
  • Bank/wallet account management, including account opening/closing
  • Solve the fund related issues with related partners effectively.
  • Maintain good business relationship
  • Work with the business to optimize business performance and planning
  • Evaluate capital expenditure, investment activity and portfolio management

Qualifications

  • 3 years of experience in Treasury Specialist
  • B.Sc in Accounting, Business Administration and other related courses

Requirements:

  • Understand the requirements of working with highly Technical Stakeholders
  • Strong treasury background
  • Good knowledge of capital market, accounting, finance and tax
  • Very good communication, presentation, organizational and writing skills
  • Flexible attitude and a willingness to seek new challenges
  • Can handle ambiguity and solve problems despite uncertainties
  • Self-motivated, quick learner and can deliver results with minimal supervision

Skills:

  • Leadership Skills
  • Management Skills
  • Negotiation Skills
  • Planning Skills.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online


Job Title: Data Protection Officer ( Palmpay Recruitment )

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Location: Ikeja, Lagos
Job type: Contracted
Level: Mid level

Objectives of this Role

  • Act as the primary point of contact within the organization for members of staff, regulators, and any relevant public bodies on issues related to data protection
  • Ensure the company’s policy is in accordance with General Data Protection Regulation (GDPR) and codes of practice
  • Evaluate the existing data protection framework and identify areas of non or partial compliance and rectify any issues
  • Devise training plans and provide data protection advice and support for members of staff
  • Inform and advise the Data Controller or Data Processor on all matters related to data protection
  • Promote a culture of data protection compliance across all units of the organization.

Responsibilities

  • Inform and advise the organization, Management, employees and third-party processors of their obligations under the NDPR.
  • Monitor compliance with the NDPR and with the organization’s own data protection objectives.
  • Assign responsibilities, raise awareness and train members of staff involved in processing operations.
  • Advice on data protection impact assessment and monitor its performance.
  • Liaise with NITDA and/or the DPCO on data protection matters.
  • Evaluate the existing data protection framework and identify areas of non or partial compliance and rectify any issues.
  • Maintain records of all data processing activities carried out by the organization.
  • Draft new and amend existing internal data protection policies, guidelines, and procedures, in consultation with key stakeholders.
  • Carry out such other responsibilities as assigned accordingly.

Preferred Qualifications

  • Bachelor’s Degree in Law or equivalent
  • Proficient in Microsoft Office Suite or related writing and presentation software

Skills and Qualifications:

  • Minimum of three years’ experience working in data protection compliance or a related field
  • Expertise in The Nigeria Data Protection Regulation (NDPR) and NITDA Act 2007.
  • Knowledge of and understanding of Data Security
  • Experience within a legal, audit and/or risk function department
  • Strong project management skills
  • Ability to work well under pressure and manage sensitive and confidential information
  • Excellent verbal and written communication skills, with strong attention to detail
  • Great interpersonal skills and ability to work well both independently and as part of a team.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

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Job Title: POS Activity Strategist ( Palmpay Recruitment )

Location: Ikeja, Lagos
Job type: Contracted
Level: Mid level

Job Description

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  • We are seeking POS Activity Strategist to join our company. You will be focusing on Planning and executing POS Team’s offline activities.
  • You will also be responsible to ensure that all activities meet customer expectations and gives them satisfaction.
  • Your activities will tend towards helping the team achieve high service level and reduce POS abandonment rates.

Responsibilities

  • Assist to plan POS online activities, such as Ranking Promo, Cash back, raffle etc.
  • Plan and execute POS team offline activities, including sales awarding party, top agent awarding event, top aggregator awarding conference.
  • Draft activity plan and activity SOP
  • Calculate and control the activity within budget
  • Coordinate with other department and outside supplier to proceed the activity
  • Review the activity performance and draft the summary report

Qualifications

  • B.Sc / BA in Arts or similar field
  • Proven experience as a activity officer
  • Knowledge of activity planning and executing practices
  • Work Experience in MMO company is preferred
  • Excellent communication and teamwork skills
  • Customer-oriented mindset.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online


Job Title: API Integration Analyst (Developer) – ( Palmpay Recruitment )

Location: Lagos
Job Type: Full-time
Level: Mid Level

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Job Description

  • Work with the Business Unit and relevant team to fully understand the key API or tech side desirables.
  • API analysis on the channel’s API to fit into BU demands.
  • Working with the Integration team to architect and support both cloud AWS and on-Premise integration and error reporting solutions
  • Use and examine current transformation technologies such as XML, JSON, CSV and SQL.
  • Aid and support the Business Infrastructure Manager and Senior Developer to version and support modern systems using cloud-based tools and connectors.
  • Designing solutions with the Integration team using appropriate leading-edge technologies e.g Postman, web Terminals.
  • Prepare and architect systems to provide data to partners, universities, portals and websites using technologies inbound APIs
  • Creating error logging and reporting solutions and delivering to customers and partners.
  • The job title does not define or limit your duties and you may be required to carry out other work within your abilities from time to time at our request. We reserve the right to introduce changes in line with technological developments which may impact upon your job duties or methods of working

Requirements

  • 3 years of experience in System Integration as well as ERP Systems
  • Understand the requirements of working with highly Technical Stakeholders
  • Very good communication, presentation, organizational and writing skills
  • Understanding of project management methodologies, internet-based application development and software development and project life-cycles
  • Flexible attitude and a willingness to seek new challenges
  • Knowledge of communication protocols
  • Knowledge of Message (CSV, XML, JSON) Brokering and hands-on experience in any of the industry standard.
  • Knowledge of IT Security is a big plus
  • Can handle ambiguity and solve problems despite uncertainties
  • Self-motivated, quick learner and can deliver results with minimal supervision

Key Desirable:

  • API review
  • Integration project management
  • Debugging
  • Testing
  • Technical support.

Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

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