Финансы, право и риски вакансии

• Управление финансовой моделью бизнеса: ПиУ, ДДС, баланс, бюджет и план-факт. • Управление финансовыми потоками и ликвидностью: платёжный календарь, прогноз денег, согласование платежей.

Задачи: — Руководить проектами по МСФО для банков и финансовых организаций. — Подготавливать и проверять отчётность по IFRS. — Разрабатывать учётную политику и методологию. — Контролировать качество финансовой отчётности. Требования: — Опыт работы с МСФО от 3 лет. — Знание IFRS 9, РСБУ и Excel. Условия: — ДМС. — Премии. — Обучение. — Гибридный или удалённый формат работы.

Задачи: — Торговать облигациями, РЕПО и инструментами денежного рынка. — Находить и реализовывать инвестиционные идеи. — Участвовать в управлении облигационным портфелем. — Анализировать доходность, ликвидность и кредитные риски. — Контролировать дюрацию и процентный риск. Требования: — Опыт работы с облигациями и Fixed Income от 2 лет. — Понимание долгового рынка и управления портфелем. — Уверенный Excel, финансовая математика. — QUIK, Bloomberg, Python — преимущество. Условия: — График 5/2, с 9:30 до 18:00. — Офис в центре Москвы. — ДМС со стоматологией, страхование жизни. — Доступ к современным AI-инструментам.

Bitdeer Technologies Group is looking for a Senior Accountant Finance Reporting Manager to manage financial reporting, closing, audits, regulatory filings, accounting compliance, and internal controls.

Обязанности: — Формирование бухгалтерской отчетности и её предоставление для гос.органов (по оптовой / розничной торговле) — Взаимодействие с налоговыми органами — Оформление первичных документов, их достоверное и своевременное отражение в учёте на всех участках — Анализ хозяйственно-финансовой деятельности организации по данным бухгалтерского учета и отчетности — Согласование и анализ договоров на предмет налоговых и бухгалтерских рисков — Своевременное перечисление оплаты, налогов и сборов в бюджет — Формирование налоговых накладных и учет НДС — Обеспечение сохранности бухгалтерских документов, оформление и передача их в установленном порядке в архив и тд. Требования: — Опыт работы от 3 лет в должности помощника главного бухгалтера — Знание налогового кодекса РУз / ВЭД, импорт/ НДС — Уверенный пользователь ПК: MS Office, 1С 8,3 — Образование: Желательно высшее — Знание узбекского и русского языков — Личные качества: коммуникабельность, порядочность Условия: — Работа в офисе — График: понедельник — пятница, с 10:00 до 18:00 — Конкурентная заработная плата (от 8.000.000 сум) — Карьерный рост внутри компании

Location: Paris Workplace: Hybrid ABOUT VOODOO Voodoo is a consumer tech company founded in Paris in 2013, with one mission: entertain the world. Today we are 1,000 people, generating $1b+ in annual revenue, profitably. Our games and apps have passed 7 billion downloads and reach 200 million+ active users every month, making Voodoo the #3 mobile publisher worldwide in downloads, after Google and Meta. We were backed by Goldman Sachs, Tencent and GBL along the way. TEAM Our Corporate teams support the company’s performance and growth whilst putting people at the core of everything they do. As a French tech leader and global successful company, our Corporate teams are constantly looking for ways to innovate and increase organization efficiency to keep Voodoo ahead of the market. Voodoo’s Corporate function is composed of three teams: HR, Legal and Finance, working together to drive Voodoo’s success. ROLE We're looking for a Legal Counsel, AdTech Transactions to join our Legal team. In this role, you'll own the contracts and legal questions across Voodoo's advertising activity: selling ad inventory in our apps, buying user acquisition at scale, and the ad network we are now launching to connect third-party publishers and advertisers. This position sits at the intersection of ad tech, commercial contracting, and data and privacy law, in a market where platform policies, ATT, GDPR, and consent frameworks change several times a year. Your work will directly shape how Voodoo monetizes its inventory, buys and measures user acquisition, grows its advertising network, and handles player data,while keeping us within legal and platform requirements and player expectations. Your main responsibilities : - Own ad tech transactions end-to-end for Voodoo's games and apps portfolio: draft, negotiate and close agreements with mediation platforms, ad networks, exchanges and SSPs on the sell side, and with ad networks, DSPs, direct advertisers and rewarded platforms on the buy side,including the incentive and rebate agreements (bonuses, UA credits, payment terms), that drive the commercial terms.. - Negotiate agreements with mobile measurement partners, attribution and analytics vendors, data providers and other partners - Advise on SDK integrations and data flows together with the Privacy team, so contracts match what the tech actually does - Build our advertising network's contract framework and advertising policies for third-party publishers, advertisers and programmatic partners; negotiate its infrastructure agreements and structure its commercial offers on the legal side - Manage partner disputes with networks, mediation platforms and other ad tech partners, including reporting discrepancies, invalid traffic (IVT) and compensation claims, from first analysis through negotiated resolution. - Track and apply platform policy changes and translate them into contract positions and business guidance - Collaborate cross-functionally with Monetization, UA, Ad Network, Publishing and other product teams, serving as a trusted legal partner who helps the business move with speed and confidence - Build scalable legal infrastructure-templates, playbooks, fallback positions, contract tooling - that allows the business to operate efficiently as volume grows PROFILE - 5-7 years of relevant legal experience, with meaningful time spent on ad tech and mobile/programmatic advertising, ideally in-house - Substantive familiarity with ad tech: you understand how mediation, in-app bidding, SDK-based data collection, attribution and device identifiers work at a technical level - not just a conceptual one - and you know who does what along the supply chain - Transactional experience: you've negotiated agreements with companies across the advertising ecosystem, ideally on both the publisher and advertiser side - Privacy law fluency: you handle the privacy side of a deal as comfortably as the commercial side - Industry standards: you know IAB terms and the TCF inside out - Risk tolerance and business judgment: you're comfortable making calls in the absence of perfect information, offering clear and concise risk framing that avoids unnecessary stalling of the business. You operate like a business partner, not outside counsel - Strong communication skills: you translate complex legal requirements into plain language for technical and non-technical stakeholders alike, and you're comfortable presenting your views succinctly and with confidence - Autonomy and initiative: you take ownership of your portfolio, identify problems before they escalate, and propose solutions rather than waiting to be directed - Master 2 in business law, IT/digital law or IP law from a French university or equivalent; avocat or in-house juriste profiles are equally welcome; an LL.M. or study abroad experience is a plus - Full professional English required BENEFITS - Competitive salary based on experience - Swile Lunch voucher - Gymlib (100% covered by Voodoo) - Premium healthcare coverage with SideCare, 100% covered for you and your family - Wellness activities in our Paris office - Remote Fridays

Задачи: — Исследовать и обобщать нормативные рамки и требования к лицензированию — Поддерживать проекты по лицензированию и готовности к регулированию, включая исследование применимости, анализ пробелов, запросы доказательств, обзор политик и подготовку документов для заявок — Организовывать требования регуляторов в структурированные модули, категории доказательств, контрольные списки и сопоставления — Проверять результаты ИИ на фактическую достоверность, прослеживаемость источников, отсутствие информации и форматирование — Готовить первоначальные черновики анализов соответствия, руководств по доказательствам, отчетов для клиентов, материалов для презентаций и обзорных материалов — Поддерживать актуальность сопоставлений регулирования с сервисами, контрольных списков доказательств и повторного использования материалов для подачи — Организовывать материалы, предоставленные клиентами, и выявлять потенциальные пробелы в доказательствах для подтверждения рецензентом — Записывать отзывы рецензентов и обновлять шаблоны, оценочные кейсы и активы знаний по соответствию — Поддерживать координацию и отслеживание запросов между командами, рецензентами по соответствию и инженерным отделом — Эскалировать неясные интерпретации нормативных актов и неподтвержденные выводы опытным рецензентам Требования: — Текущая учеба или недавнее окончание программы по праву, финансам, бухгалтерии, управлению рисками, государственной политике, бизнесу, компьютерным наукам или смежной области — Сильные навыки исследования, анализа и структурированного письма — Внимание к деталям, особенно при проверке нормативных источников, цитат и материалов клиентов — Умение организовывать сложную информацию в понятные контрольные списки, резюме, презентации и отчеты — Способность управлять несколькими заданиями и соблюдать сроки — Хорошие письменные и устные навыки английского языка; профессиональное владение китайским языком приветствуется, но не обязательно — Интерес к регулированию цифровых активов, финансовому соответствию, лицензированию или рабочим процессам с поддержкой ИИ — Знание регулирования цифровых активов, лицензирования VASP или аналогичных нормативных рамок приветствуется — Предыдущий опыт стажировки, учебных курсов или проектов в области соответствия, права, аудита, финтеха, цифровых активов или нормативных исследований приветствуется — Базовое понимание ограничений LLM, риска галлюцинаций, прослеживаемости источников и обзора с участием человека приветствуется

В рамках крупного международного проекта по строительству завода по производству полиэтилена Sileno в Атырау требуется менеджер по финансам. Кандидат должен иметь опыт работы на проектах и владеть английским языком для эффективного взаимодействия с иностранным заказчиком.

Задачи: — Комплексное сопровождение инвестиционных и финансовых интересов состоятельных частных клиентов; — Расширение клиентской базы за счет привлечения новых частных и корпоративных клиентов; — Консультирование по вопросам сохранения, структурирования и защиты частного капитала; — Подбор и реализация финансовых решений и сервисов международных инвестиционно-банковских институтов; — Развитие долгосрочных отношений с клиентами, поддержание высокого уровня доверия и качества сервиса. Требования: — Опыт работы с состоятельными частными клиентами в инвестиционных компаниях и/или банках от 3-х лет; — Навыки продаж, консультирования и ведения клиентов; — Коммуникабельность, респектабельность; — Желание и готовность много зарабатывать. Условия: — Доход: высокий фиксированный оклад + %; — ДМС; — Оплата мобильной связи; — Регулярное корпоративное обучение и повышение квалификации по продуктам и продажам; — Перспективы профессионального и карьерного роста.

Задачи: — Развивать систему комплаенса и внутреннего контроля оператора обмена цифровых валют. — Отслеживать изменения требований и помогать командам внедрять их в рабочие процессы. — Разрабатывать внутренние политики и процедуры, проверять их соблюдение. — Выявлять нарушения, предлагать меры по их устранению и контролировать выполнение. — Готовить отчёты для руководства и взаимодействовать с командами AML, рисков, юристами и IT. Требования: — Высшее образование. — Опыт внутреннего контроля, комплаенса, аудита или другой профильной работы на финансовом рынке. — Умение переводить сложные требования в понятные процессы и решения для бизнеса. — Безупречная деловая репутация. Опыт: — От 1 года на подходящей руководящей позиции в финансовой организации — например, руководителем внутреннего контроля, внутреннего аудита или управления рисками. — От 2 лет работы во внутреннем контроле, внутреннем аудите или управлении рисками финансовой организации либо аудитором её бухгалтерской отчётности. — От 3 лет профильной работы в финансовой организации или регуляторе — например, в юридическом сопровождении, учёте, финансовых операциях, контроле или надзоре. — Достаточно соответствовать одному из вариантов. Сроки 1, 2 и 3 года не складываются: они зависят от характера предыдущей работы. Будет плюсом: — Понимание крипторынка и опыт выстраивания комплаенс-процессов в проектах с цифровыми активами.

Location: United Kingdom; Ireland; Cyprus; Portugal; Poland Workplace: Remote BUILDING THE FUTURE OF OPEN FINANCE Payward - the parent company behind Kraken, NinjaTrader, Breakout, xStocks, Payward Services and CF Benchmarks - has spent the last 15 years building one of the most modern and globally accessible financial infrastructure platforms in the industry, built to advance an open, global financial system. THE TEAM Founded in 2011, Kraken is one of the world's longest-standing crypto platforms, trusted by over 10 million individuals and institutions across the globe. It offers spot trading, margin, futures, staking, and OTC services, with products built for both individual investors and institutional clients. Join our Product and Regulatory Legal team, embedded with Kraken's Product, Design and Engineering teams to ship novel products and experiences that accelerate the global adoption of crypto. We are a tight, experienced group of lawyers from a diverse range of tradfi, fintech and crypto backgrounds who move fast, stay curious and take pride in the commercial accountability of our advice, partnering directly with Product, senior leadership and Compliance to chart clear, defensible paths to launch and to keep our licensed entities running smoothly. This is a senior product-facing legal role for the European Union. You will be the lawyer the business trusts on questions that cut across several regimes at once: for example, a single product such as a tokenised equity, a card, or an institutional custody and prime brokerage service can touch the Markets in Financial Instruments Directive ("MiFID II"), the Markets in Crypto-Assets Regulation ("MiCA"), the Payment Services Directive ("PSD2"), the Electronic Money Directive ("EMD2") and banking rules at the same time. You will bring clarity on which regime applies, what it requires, and how to launch within it.   THE OPPORTUNITY Reporting to the Head of Product Legal, you will act as a senior legal adviser to European leadership on new products, licensing structure and regulatory strategy. - Own cross-functional product counselling for European Union launches from discovery to design, launch and iteration, giving Product, Engineering, Compliance and leadership decision-ready advice with clear options and risk trade-offs - Advise on the regulatory perimeter and classification of new offerings across MiFID II and the Markets in Financial Instruments Regulation ("MiFIR"), MiCA, the European Market Infrastructure Regulation ("EMIR"), payment services and electronic money rules, and banking regulation, including where an instrument or service falls between regimes (for example tokenised securities, crypto-asset derivatives, margin and financing, and stablecoin-linked products) - Advise on payments and electronic money offerings, including the Krak card and account propositions, safeguarding, open banking and account-access obligations, and the developing Payment Services Directive 3 and Payment Services Regulation framework - Advise on banking-related questions that arise in the European Union, including bank partnerships and sponsor-bank arrangements, deposit-taking and lending perimeter questions, the Capital Requirements Regulation and Directive, and the interaction of these rules with our custody, prime brokerage and financing products - Monitor and interpret European Union legislative and supervisory developments, take part in consultations and industry association work where appropriate, and translate their significance for the business proactively - Draft and negotiate client-facing terms and conditions, taking clear, business-aligned positions - Act as gatekeeper for European Union outside counsel engagements: scope the work, estimate and manage cost, and sign off before matters go externally - Mentor and develop more junior lawyers in the team, set quality standards for plain-English, risk-based advice, and act as a senior sounding board for colleagues across the Regulatory Legal team - Use AI-assisted tools (for example Enterprise GPTs) to speed up regulatory analysis, first drafts and matter tracking, and to build self-service tools that let stakeholders answer commoditised legal and regulatory questions themselves - Advise on anti-money laundering and counter-terrorist financing requirements affecting products, including the Transfer of Funds Regulation ("Travel Rule") and the new European Union anti-money laundering package, and on market abuse, conduct, outsourcing and operational resilience obligations, including the Digital Operational Resilience Act ("DORA") - Lead or oversee licensing, authorisation and variation workstreams in the European Union, including scoping requirements, mapping pathways, supervising outside counsel, preparing application materials and managing regulator interactions     WHAT YOU BRING - Qualified lawyer admitted in Ireland, England and Wales, or another European Union Member State - 15 or more years' post-qualification experience ("PQE") in financial services regulatory law, gained at a regulated financial services institution (for example a bank, payment institution, broker-dealer, exchange, central counterparty or crypto services provider) or at a leading law firm supporting such clients, ideally with in-house or direct product counselling experience - Deep, current knowledge of several of the following, with real depth in at least two: MiFID II and MiFIR (investment services, market structure, derivatives and conduct), MiCA (crypto-asset services, custody, trading platforms and stablecoins), European Union payment services and electronic money regulation, and European Union banking regulation - Demonstrated ability to analyse novel products against overlapping regimes and give a clear view on classification and perimeter, including in areas where the rules are unsettled or supervisors have not yet spoken - Direct experience managing senior regulator relationships, including notifications, information requests, supervisory correspondence and examinations - Working knowledge of anti-money laundering and counter-terrorist financing, outsourcing and operational resilience obligations, including DORA - Proven ability to instruct, supervise and manage the cost of outside counsel across multiple jurisdictions - Outstanding analytical, drafting and organisational skills, with crisp, plain-English writing - Ability to distill complex legal and regulatory issues into clear, actionable guidance for non-lawyer stakeholders and for senior leadership - A pragmatic, commercially accountable approach to legal and regulatory risk that gives stakeholders a useful range of options and a clear recommendation - Experience mentoring or managing lawyers, and the judgement to know when to escalate - Comfort operating with a high degree of autonomy in a fast-moving, remote environment - Familiarity with using AI tools such as Enterprise GPTs to increase the efficiency of legal services     NICE TO HAVES - Experience advising on tokenised securities and the European Union Distributed Ledger Technology Pilot Regime - Experience with EMIR, including the clearing obligation, margin for non-centrally cleared derivatives and transaction reporting - Experience with prime brokerage, securities financing, margin lending or institutional custody - Experience advising on the United Kingdom cryptoasset regime or other non-European Union frameworks that intersect with European Union operations - Experience supporting regulatory aspects of corporate transactions, such as change-of-control notifications and entity migrations - Experience with European Union data protection and consumer protection rules as they apply to financial products - Fluency in a second European language - An authentic interest in crypto and digital assets, and familiarity with Payward's and competitors' products       Unless a specific application deadline is stated in the job posting, applications are accepted on an ongoing basis. Please note, applicants are permitted to redact or remove information on their resume that identifies age, date of birth, or dates of attendance at or graduation from an educational institution. We consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance. OUR COMMITMENT Payward is powered by people from around the world and we celebrate the diverse talents, backgrounds, contributions, and unique perspectives that everyone brings to the table. We hire based on merit, seeking out people with the right abilities, knowledge, and skills for the job. We encourage you to apply for roles where you don't fully meet the listed requirements, especially if you're passionate or knowledgeable about crypto. We may ask candidates to complete job-related skills or work-style assessments as part of our hiring process. These assessments evaluate competencies relevant to the role and are applied consistently across candidates for similar positions. Results are considered alongside experience and interviews, and are not the sole basis for any employment decision. As an equal opportunity employer, we don't tolerate discrimination or harassment of any kind, whether based on race, ethnicity, age, gender identity, citizenship, religion, sexual orientation, disability, pregnancy, veteran status, or any other protected characteristic as outlined by federal, state, or local laws. Stay connected Follow us on Twitter https://twitter.com/krakenfx Learn on the Kraken Blog https://blog.kraken.com/#:~:text=Enter%20your%20email%20address Connect on LinkedIn https://www.linkedin.com/company/kraken-exchange/ Candidate Privacy Notice https://www.kraken.com/legal/candidate-privacy-notice

Location: Taguig, National Capital Region Workplace: Hybrid Key Responsibilities: • Draft, review, and negotiate a variety of contracts, including but not limited to sales contracts, vendor agreements, non-disclosure agreements, and service agreements. • Ensure that contracts comply with company policies, legal requirements, and industry standards, and revise contracts as necessary. • Coordinate with internal stakeholders and legal counsels to ensure that final draft contracts are agreed upon by all parties, routed for approval, and executed in a timely manner. • Prepare and update inventory of contracts and agreements of the Company, ensuring that all contracts are accurately documented, stored, and easily accessible. • Maintain an updated contract tracker to ensure that all contracts are within Contract Management radar, and provide effective communications to all stakeholders about the status of all active contracts. • Manage contract lifecycle, including contract initiation, execution, performance monitoring, and contract renewal or termination. • Develop and maintain contract templates, standard operating procedures, and contract management tools. • Conduct risk assessments and provide recommendations to mitigate contractual risks. • Monitor contract compliance and performance, and enforce contract terms as needed. • Stay up-to-date on changes in contract law, regulations, and industry trends. Qualifications: • Bachelor of Laws (LLB), Member of the IBP in good standing • Banking experience (at least 2-5 years experience as a Lawyer) • Demonstrated experience in contract administration or a related field, with at least 5 years of relevant experience. • Strong understanding of contract management principles and practices. • Familiarity with legal aspects of contracting including reading and interpreting contracts and related documentation, ability to prepare amendments, and ability to explain to stakeholders the specifics of the contracts. • Proficiency in contract review, negotiation, and administration, with a keen eye for detail in contract documentation. • Familiarity with contract management software.

Задачи: — Развивать внутренние правила и процедуры противодействия отмыванию денег и финансированию терроризма. — Организовывать проверку клиентов и оценивать их уровень риска. — Анализировать операции, выявлять подозрительную активность и разбирать сложные случаи. — Готовить необходимую отчётность и ответы на запросы уполномоченных органов. — Обучать сотрудников AML-процедурам и взаимодействовать с командами комплаенса, рисков и IT. Требования: — Высшее образование. — Знание AML-требований и умение применять их на практике. — Внимательность к деталям и умение аргументировать решения по клиентам и операциям. — Безупречная деловая репутация. Опыт: — Высшее юридическое или экономическое образование и от 1 года подходящего опыта, либо — Высшее образование по другой специальности и от 2 лет подходящего опыта. — Подойдёт работа в AML либо руководство подразделением финансовой организации или другой организации, на которую распространяются требования закона № 115-ФЗ. — Достаточно одного из двух сочетаний образования и опыта. Будет плюсом: — Опыт работы с криптоактивами, инструментами анализа блокчейна и проверки происхождения средств.

🔹Own the end-to-end weekly invoice cycle: continuous invoice intake into RAMP as invoices arrive across company mailboxes (do not batch to a single day), approval status tracking, payment preparation in NetSuite and Atlar, and posting/reconciliation in NetSuite.

Company Profile: Our client provides high quality professional and personalized tax preparation, accounting, and bookkeeping services for individuals, businesses, and non-profits at reasonable rates. The company is a fast-growing medium-sized accounting firm serving clients throughout the United States, with a Philippines-based accounting team of nearly 30 professionals that continues to expand. Overall purpose and responsibilities of the role: The Director, US Tax & Accounting will be responsible for preparing and reviewing standard US tax returns, including individual (1040), partnership (1065), S-Corporation (1120-S), and C-Corporation (1120) returns. The role also involves managing client relationships, providing tax compliance support, using QuickBooks for accounting-related tasks, and training junior staff. Experience with estate tax (1041), nonprofit tax (990), and employee benefit plan returns (5500) is an advantage but not required. Duties & Responsibilities: - Provides review, management, and thorough final detail review of tax returns for individuals, partnerships, and corporations. - Prepares tax returns when not reviewing or managing returns. - Provides tax projections, planning, and handles tax notices. - Manages professional accounting and bookkeeping services primarily using QuickBooks. - Provides light oversight of bookkeeping and QuickBooks-related activities. - Serves as a firm Tax Partner and primary point of contact. - Manages client relationships and support staff. - Acts as a trusted year-round advisor to clients. - Helps streamline operations and trains staff. - Mentors and upskills junior team members. - Provides leadership with broader strategic responsibilities developing over time. - Advises business owners on tax compliance and financial matters. - Tracks deliverables and identifies advisory opportunities. - Supports development of overseas-based client-facing leadership. Critical Skills & Experience: - Bachelor’s degree in Accounting or advanced degree preferred. - Minimum 5 years of US tax experience. - Hands-on experience preparing and reviewing Forms 1040, 1065, 1120, and 1120S. - Strong working knowledge of QuickBooks Online and Desktop. - Comfortable managing client relationships and providing advisory guidance. - Ability to advise on LLC vs partnership structuring and entity location decisions. - Must work US Eastern-aligned hours. - Proficient in Microsoft Office. - Familiarity with UltraTax and Onvio preferred. Ideal Candidate Profile: - Mid- to senior-level US tax professional, preferably with 15–20+ years experience. - Entrepreneurial, adaptable, growth-oriented. - Interested in long-term commitment and leadership growth. Nice-to-Haves: - Experience in fund accounting, private equity, or hedge fund taxation. - Background in Big Four or large accounting firms. - Experience managing client relationships and mentoring teams. - CPA designation strongly preferred. Job type: Permanent Employment type: Full-time Schedule: Monday to Friday, flexible start times (preferred 8:00 AM–4:00 PM EST, earlier starts allowed) Location: Work From Home Industry: Accounting/Financial

Robinhood is looking for a Manager of Accounts Payable to lead accounts payable operations, automate workflows, and strengthen controls.

Задачи: — Руководство процессами раскрытия информации — Организация процессов отчетности о доходах (earnings processes) — Маркетинг для инвесторов — Коммуникации с инвесторами

Задачи: — Руководство аудитами операций с криптовалютой — Проведение оценки рисков — Улучшение программ аудита Требования: — Опыт в области внутреннего аудита — Знание криптовалют и связанных с ними операций — Навыки управления рисками и соответствия нормативным требованиям Условия: — Гибридный формат работы — Местоположение: Менло Парк, Калифорния — Зарплата от $133,000 до $200,000 в год