In this episode of CFI Member Spotlight on FinPod, we feature Charaf Bourhalla, a seasoned finance professional who has built a career with major firms like KPMG and Kimberly Clark, eventually becoming Head of Consolidation at Nestle Skin Health.  He holds several key certifications, including the FMVA from CFI, ACCA with a focus on IFRS, and the PMP from PMI.

Charaf offers insights into his journey through consulting and corporate finance, sharing his experiences with financial consolidation, IFRS conversions, and the challenges of working with large multinational companies. He emphasizes the importance of accepting challenges, continuous learning, and staying adaptable in the fast-changing finance landscape.

Transcript

Anna Talerico (00:14)
Welcome back to another CFI Member Spotlight and what a conversation we have today. I’m thrilled to be with Charaf Bourhalla who’s coming to us from Switzerland, but has lived in Morocco and France and Switzerland and quite the international journey. I’m excited to talk to Charaf today because he’s got such an interesting career journey. You know, we’re going to talk about starting in consulting, going to corporate finance, coming back to consulting, but also just

your dedication to lifelong learning. Sharif has an FMVA from CFI and on the journey for a couple other certifications I know. He’s got his project management professional from the Project Management Institute, which is a fantastic certification, as well as his ACCA, which is focused on IFRS. So truly an incredible career journey, but also such a dedication to lifelong learning. So Sharif, welcome to the podcast.

Charaf BOURHALLA (01:10)
Thank you very much, Anna. I’m really glad to be with you today.

Anna Talerico (01:14)
I’m so excited to talk to you. I should have mentioned in my intro too, sharing incredible content on LinkedIn. Some of the content that you’re putting out lately is so high value and yeah, I know that you’ve got some really popular stuff going on there too. So let’s get started. You know, I always start this podcast with trying to understand your origin story, meaning did you always know you wanted to go into finance? What did you get your degree in? So let’s start there.

Did you always know that finance was gonna be your path?

Charaf BOURHALLA (01:46)
Yeah, to be honest with you, Anna, it wasn’t like my first choice as a professional. Yeah, my parents always told me, go for a doctor, to be a doctor. Your parents are influencing us. But early, I started to like mathematics and numbers. I had the chance to have a great professor, mathematic professor, who was telling us every time,

that mathematics is everything, is in everything in our daily life. So, and it’s true, because I can find that we are using mathematics in every aspect of our life. And also I found that mathematics teach us to solve problems. You know, it’s really how to solve problems. You know that the results must be one result, but you have different paths. You have different demonstration to come to this same

results at the end. it’s, and in finance it’s the same. You have to solve like business problems using different like methods, calculations, and at the end have some results. So I find myself in this, in this like area easily. And also as you know, in finance and in the CFI,

you know better than me that a lot of mathematics is used in finance. Like you have the discounting calculation, the compounding calculation to calculate the future value, the variance analysis, ratio calculations. And also if you want to back an investment decision, like for a project or another, you need to have a model that’s backing this decision. So yeah, mathematics is really…

Anna Talerico (03:26)
Yeah.

Charaf BOURHALLA (03:31)
present everywhere. That’s why I went to economics for my after graduation from college.

Anna Talerico (03:38)
Yeah, many careers in finance start with that economics degree. For sure. when you were first out of school, tell us about your first role that you got when you graduated.

Charaf BOURHALLA (03:50)
Yeah, it was not easy. But let me tell you, because I want to share with you like I have like three lives, to be honest, like I spent my first 20 years of my life in Morocco. was born in Morocco, grew up in Morocco until the age of 20 years. I get my bachelor degree in economics in Rabat, the university, public university in Rabat in Morocco. Then I moved to France, to Paris, to

follow my masters degree in finance. So I spent after that, I’ve spent almost 12 years in Paris and late 2010, we decided with my wife to go to Switzerland. like 20 years in Morocco, 12 years in France, and now almost 14 years in Switzerland. And to answer your question, I went to Paris and did my masters degree. And just before landing my first job, be honest with you, Anna,

it was a little bit difficult because I was a foreign student in Paris. Even though I have a masters degree in finance, it was not easy to land your first job after graduating. So what I did, because my parents teach me to never give up. So I did, to be honest, two years internships. I did three different internships. One almost one year in insurance company as a business controller. I was paid $0,

little money, but I did it because I thought that it will allow me to land a good job. Then I did another internship in Kimberly Clark, which is a US company. I was doing some reporting, same six months. And the last one that maybe helped me to get my first job was KPMG in audit. So I did six months audit. So at the end, like two years, but I don’t regret this period of time. And I

Anna Talerico (05:36)
Mmm.

Charaf BOURHALLA (05:43)
for young people that are hearing us today, I really recommend them if they graduate and they have not finding their job quickly, just propose your services, go for internship. It’s like put your foot in the company and then it will open for you opportunities. Then my first job, so I landed a two years contract in a pharma company in Paris, which was like…

private equity that both business units. So it was like a business unit, new business created. So they create a new team, new finance team. So I was part of this new finance team and I was a junior business controller in charge of the P &L. And what is amazing about this experience is like this was the first time I was in contact with Consolidation Reporting because it was an international group.

And they started to know consolidation. And also I started to use ERP for consolidation and reporting. At that time, it was the name of this French ERP Cara, which is a French provider that doesn’t exist anymore, Cartesys. And it was now sold many times. And now it belongs to SAP, SAP Financial Consolidation, like one of the major ERP providers in Europe.

Anna Talerico (06:50)
No.

Charaf BOURHALLA (07:12)
After that two years, to be honest with you, I put on my CV those two lines, which is consolidation and ACP financial consolidation. And it was like really a changing point in my life because I was getting a lot of calls, a lot of headhunters looking for this specific skill, which is consolidation. And at that moment, because there is not a lot of like trainings or a diploma in that specific area.

So I was like happy and then at that moment I had the choice between going to consultancy or going to corporate world. And then I was like really, how to say, attracted by the consulting world. And I went for a consulting company for almost four years in Paris. And it was like amazing because it’s addressing big…

listed company in Europe and even outside Europe. And after that, I moved to another consulting company doing the same thing, almost the same clients almost, but in a less big consulting company, like with a human size. So, in total, I did like almost 13 years as a consultant. And after that, in

2016, my wife told me, OK, it’s nice that you are enjoying your consulting job, but we need you more at home. Because I was traveling around the world, and I was traveling from Monday to Thursday, Friday almost every week. So, at that moment, I moved to the corporate world. And then my last jobs, I was head of consolidation and reporting for

three main companies in Switzerland. So this is like my…

Anna Talerico (09:08)
Yeah. Three chapters, big ones. Yeah. There’s so much there I want to talk about. So let’s go back to being an intern, know, getting your masters and then finding, you know, not so easy to get a job. And that can be because as you mentioned, you’re, you know, not from France or because I’m just, sometimes it’s the job market. And I think you had such good advice there.

that a lot of people coming out of school need to hear, which is just you have to take a step. have to do something. And sometimes people get frozen with indecision or decision paralysis and they need to hear a story about you just took a step. You got some internships with, by the way, some incredible companies, Kimberly Clark and KPMG. But I’m curious how those two years of doing your three internships helped you then when you did get your first role

after the internship time. Did you learn things as an intern that really helped you in that new role?

Charaf BOURHALLA (10:04)
Yeah, I was lucky enough to have like some really great people in on those internships because they were like challenging me and I’m someone that’s always accepting challenges. sometimes they did you did this before? I say, yeah, I did it. And I tried to figure out how to do it. you know, people like that you do your due diligence, you do your homework, you do part of the job, then you can come ask questions, then they give you this additional information. So,

Anna Talerico (10:22)
Yes.

Charaf BOURHALLA (10:34)
I learned a lot, to be honest with you. It was not a wasted time. And this time I catch it. I catched this time later on. sometimes when I was a junior, as a junior business controller, I was having in my team business controllers that’s coming directly from school to learn the first job. I was like more at ease on those jobs than the other people. So yeah, was great experience.

Anna Talerico (10:43)
Yeah.

Sure. Yeah. And you know, as you mentioned, always accepting challenges, I would say that what’s interesting about this podcast is that’s a theme that we hear from a lot of people we bring onto the member spotlight is you have to come from a place of yes, you have to be willing to accept the challenge and take the work. And that’s why I love that. That’s such a good nugget of advice right there even, right? I’m just, yeah.

Charaf BOURHALLA (11:25)
Yeah, definitely. To be honest with you, Anna, your growth is outside of your comfort zone. If you do all the time what you’ve been doing last year, you will not learn anything. So accept the challenge and figure out how to solve it. The problem is today, if you want to be an Italian cook,

Anna Talerico (11:33)
Yeah.

Charaf BOURHALLA (11:49)
you can be an Italian cook in two, three days because information is everywhere. You have podcasts, have YouTube channels. You know, if you want to learn something, learn any skill, it just you put the time, the energy and you will get it. but back then when I was in Morocco, to be honest with you, it was like really struggle. It’s like it’s in 1996, 98. It was like difficult to find information in my home country, in my home city.

We have like one or two libraries. So even books, couldn’t have like access to books. So now today for this generation, it’s like you have everything. So you just have to will and to wanna grow. So definitely it’s a good advice to go for learning.

Anna Talerico (12:36)
I love it, I love it. So tell us about being a consultant. 13, almost 13 years, it sounds like lots of travel. What kinds of things were you working on in consulting? And tell us, I think a lot of people hear about that as a career path and wonder what it’s really like. So maybe just kind of what was it like?

Charaf BOURHALLA (12:54)
Yeah, it was amazing to be honest with you. It’s like you are helping big international group because consolidation, when you consolidate, it means that you are in a company that has subsidiaries, subsidiaries around the world. So it’s international group and mostly listed, listed in Europe or listed in the US. and I don’t know if in the US, I think in the US it’s the same. In France,

it’s a little bit different comparing to Switzerland. All B groups, they have a budget of consulting because they know that their teams couldn’t tackle all the challenges of these kind of functions because you have the daily tasks, you have to produce financial statements on a monthly basis and all the other reportings that you have. We can discuss later on all…

It’s evolving. have a lot. It’s not only P &L and balance sheet. You have a lot of other non -financial reporting coming every, every single year. So all these international groups, they have a budget for consulting for many reasons, because sometimes they have like just in their team, they can have a maternity leave, they can have like hiring a new person. And then they ask for those consulting companies to give them someone

that is operational quickly, that is adaptable quickly, that can replace from one day to another someone from the team and work on under pressure and knows the consolidation, knows the basics of finance, and knows the tools because there is tools like tools of consolidation reporting. So this is like when we go for a client and then,

in terms of tasks, it’s different. The main tasks, can see 60 % is production of financial statements. Like you come, you help the team to produce the numbers. The other part, it’s like when they have projects. The main projects, it’s like when they are implementing a new financial or consolidation tool. For big groups, it’s like a very huge project,

lasts from one year to three years because it’s transformational project. And they additional resources in terms of additional hands and also additional expertise because we can help them in the choice of the tool, how to streamline the processes, and also in the phase of

testing, training people, roll out the solution in the subsidiary around the world because it’s like big, huge project. So there is an aspect of project management and project implementation. And then the other one, the other piece, it’s like other project, which is like &A activities, like when a group acquire another group or an entity. So they need

Anna Talerico (15:52)
Yeah.

Charaf BOURHALLA (15:56)
how to integrate this entity in the new environment, train people, train the teams. And also when you have IFRS conversion or US GAAP conversion, because if you want to be listed in the US, sometimes you need to provide financial statements in US GAAP. So your teams will not be enough sufficient to do that. So you ask for consultants and many other projects.

What I learned the most of that is you are helping big groups and your client is your manager because at the end of the assignment, it’s your clients that rate you. And if he asks you to stay or ask your boss that he needs a sharaf to come back, it’s like you’re, you know, it’s really, there is no subjective, how to say, assessment. It’s like the client, the satisfaction of the client.

Anna Talerico (16:39)
Yeah.

Charaf BOURHALLA (16:56)
So this is like, in general, what is like the main activities of ConsulTree.

Anna Talerico (17:02)
Yeah, it always strikes me, think people that come in through consulting, I wonder if you find this too, you really learn how to get into a situation, get your bearings and get to work quickly, right? There’s an agility because you’re working with different companies all the time, so you have to do that quickly, right?

Charaf BOURHALLA (17:20)
Yeah. Yeah, because there is two factors there. It’s a problem of timing because they don’t call you when it’s quite period. They call you it’s a rush, when there is a fire. So you need to be operational quickly. And if you need three weeks of onboarding, the books are closed already. So you need to be operational from one day to another. So this is the first one. The second point is like, we cost 

Anna Talerico (17:30)
Right? Yeah.

Charaf BOURHALLA (17:48)
a bunch of money. It’s like it’s a daily rate, which sometimes can like 2000 US dollars a day. So the expectations are high. And I can tell you at the beginning, it’s a little bit difficult. But once you are doing mini groups, like even if the businesses are different, the tools are different, but accounting, it’s the same. It’s like the same basics.

Even if it’s another tool, but I can’t tell him I need the tool to give me this and this and this, whatever the tool, but I know what is the outcome from the tool. You know what I mean? So sometimes they are surprised because they see, Charaf, you just started with us one week, and we are having the feeling that you’ve been here for six months. It’s not because we are exceptional, because we are used to do that and work on pressure. So this is how it is working.

Anna Talerico (18:38)
Yeah, yeah. Which prepares you for so many, know, anything you want to do after consulting. You mentioned several times through that talking about project management. So we’re definitely going to come back to that because I think sometimes people that think about finance don’t understand that project management can be such a big part of the role. And you know, we are big fans of Project Management Institute. I know you’ve got your PMP. So we want to talk a little bit about that because I think it’s a

kind of an area that people don’t realize there’s a lot of project management in finance. But first tell us, I want to stay on the career journey for one second. So you leave consulting, you go to corporate finance. Tell us about what was your first role after you left consulting in corporate finance.

Charaf BOURHALLA (19:23)
Yeah, good. it was by the beginning of 2017. So I had the opportunity to be a head of consolidation of a private equity based in Geneva. In Geneva, it’s in border with France. So it was really interesting to be like a head of consolidation in the corporate world. It was a little bit difficult at the beginning to adapt to a corporate world because I was moving every three, six months from one client to another.

Anna Talerico (19:50)
Yeah.

Charaf BOURHALLA (19:51)
Now you are in the same clients and you need to, you to be honest, there is also in the corporate world, some like politics and some, you know, some another way of doing things. But it was really interesting because like you are managing the team, managing the expectation from the management. And it was in another like context, you know, you have like your plan for all the activities of the year. So it was different. Then after that,

I went to Nestle. I was the head of consolidation of one of the businesses of Nestle, which is Nestle Skin Health. It was in 2018 and I stayed almost two years and half there. And it was really interesting because this function was previously based in France because it was a joint venture between L ‘Oreal and Nestle. And when Nestle bought the 50% remaining

Anna Talerico (20:30)
Mmm.

Charaf BOURHALLA (20:51)
of the company, was like full owned by Nestle, they bring this function to Switzerland. So I was at the beginning of creation of the consolidation team and it was really interesting to do that. And my last job as a head of consolidation, it was in the pharma. I like the pharma to honest with you. As also a head of consolidation and I had the chance to implement a financial and reporting tool for this company.

Anna Talerico (21:20)
No.

Charaf BOURHALLA (21:21)
So yeah, it’s really interesting also to see both sides of this function.

Anna Talerico (21:28)
Yeah, for sure. So you’ve mentioned consolidation many times in our just brief time together today. And when we talked previously, I think it’s an area of finance that people don’t know a lot about. So tell us about consolidation. What that focuses on. Just tell us a little bit more about that, even the day to day or the remit of that.

Charaf BOURHALLA (21:49)
Yeah. Yeah. Consolidation, as I said, it’s mainly when you have a holding company and have like some daughters, have the parent company and daughters, it can be spread all over the world. And the consolidation, it’s like, because people sometimes say consolidation, it’s aggregation. It’s like just adding numbers. This is like, know, the etiquette they have on consolidation, but it’s more technical than that. Like you have conversion, you have mini…

exchange rates, have mini -illumination, you have mini -IFRS restatements. So it’s really technical and it’s really demanding because you need to close the books in a really short term. we moved from like quarterly reporting to monthly reporting. And also, as you know, now groups that are able to produce numbers quickly, they can decide quickly because the…

the world is evolving quickly. So there is a big pressure on numbers. That’s why in this function, there is turnover, like people go there, they stay two, three years, then they move to another function because it’s really demanding. But from my side, I can find it really rich because you are at the heart of the finance, because you are producing the numbers that everyone come to you

Anna Talerico (22:48)
Hmm. Yeah.

Yeah.

Charaf BOURHALLA (23:13)
to use them like FP&A, we are working hands in hands with FP&A because FP&A, they are looking forward for the future, forecast planning, but they are needing our actual numbers, actual numbers us as a consolidation. Consolidation it’s past and present, FP&A it’s the future, but we work together to write and to tell the same story because if we don’t work in harmony, we will miss something.

And the consolidation also has to deal with other functions like with FP&A, with treasury, with tax, with the legal. And it’s really rich. If you are open-minded and you want to really need the business, everything comes to you because everyone is reporting numbers to you. Even now, non -financial KPIs like this ESG environment, societal and governance reporting, it’s coming through our tools, you know.

So it’s really rich. that’s why I told you at the beginning, I encourage people to discover that it can be like really good step in a career to pass by consolidation and to grow in other ones. So yeah.

Anna Talerico (24:11)
Yeah.

Yeah.

Yeah, because you have such a broad exposure to everything. And like you said, you’re in the heartbeat. And I love the analogy of just like working in harmony, you know, to tell the same story too. So what points in your career did you decide, I wanted to talk about all your certifications, but first let’s start with your FMVA from CFI, how we came to know each other. What point in your career did you decide to pursue the FMVA and why?

Charaf BOURHALLA (24:49)
Yeah, to be honest with you, as I said at the beginning, I was always like taking the challenge and figure out how to do it. So in my career, for example, I did some valuations because I needed to do it for my work, but I needed with like some theoretical courses that I have in my masters degree and by searching by myself, like DCF calculation. And then I tried to build the model myself, then presented to my manager and then

improve it. So I learned by doing, but once I discovered CFI, I found like really a deep certification that is giving really what I wanted. So it was like back then, 2019, I discovered CFI via Tim and Scott because I saw some videos. And then when I started to dig in CFI program, I found that this is what I wanted because like

Anna Talerico (25:38)
Yeah.

Charaf BOURHALLA (25:48)
but also what I liked the most in FVMA certification, the format, because it’s really short videos, and it’s specific topics. You don’t need to start your FVMA all at once. You can start by the parts that you need. But what was smart also, it’s like you have the foundation, because people talk about consolidation and FP&A. But if you don’t master accounting,

Anna Talerico (26:06)
Mmm.

Charaf BOURHALLA (26:16)
you need to have the basics right. You need to have a strong foundation. So there is some reminders on accounting, corporate finance, mathematics also. Mathematics, it’s finance, finance. You have also valuation, of course. We have all those DCF calculations for big groups. you feel that

people that build those models coming from the real world. It’s not like theoretical. It’s like really this is what happened because I can see exactly the struggles I was facing while working on that. yeah, all that. And also what I liked, there is also this Excel and also PowerPoint presentation because it doesn’t mean anything if you spend three weeks building numbers.

Anna Talerico (26:44)
Thank you.

Charaf BOURHALLA (27:05)
but you don’t sell them well, you don’t present them well. So also you can see that there is a logic in the training. So this is what I liked, the FVMA. So I took my certification, I think, in September 2020. And then lastly, I took very, very, to be honest, it’s three courses. It was like AI from Glenn, Enhanced Financial Analysis, and the other one, it’s like how to prompt,

Anna Talerico (27:07)
Yeah.

Yeah.

Charaf BOURHALLA (27:34)
how to prompt for financial analysis. So was really great, think, one in May and the other one in August. And also, I want to highlight the other course. I think it’s from Stedman for FP&A as well. It was added to FMVA, and I like it really, really, really well. yeah, excited and always waiting for new things in CFI.

Anna Talerico (27:37)
Yeah.

Yeah.

Charaf BOURHALLA (27:59)
And I’m planning to pass my BIDA, my business intelligence and data analysis.

Anna Talerico (28:05)
I love that. I’m so glad to hear that. BIDA even, you know, obviously the data and analysis of business intelligence, but even more too on the presentation of information that you mentioned, like you could have the best financial analysis in the world, but if you don’t have a visual and know how to tell that story visually and in your presentations, then it will fall flat. The information might not be received. So I’m glad that you touched on that. So clearly you’re such a, you know, dedicated to lifelong learning. It’s very inspiring.

What, and by the way, it’s interesting. We have so many people, early stage career that come into the FMVA, whether they’re just graduating and they want more practical skills or they’re thinking about, you know, how to just give themselves a competitive edge. But we’ve had a lot of people on member spotlight like you, like mid career, you know, that just wants to strengthen certain things or learn new things like the AI courses. I’m glad you took those and you know,

tell us about getting your, I’m glad we’re talking about project management too though. Tell us about deciding to get your project management professional.

Charaf BOURHALLA (29:06)
Yeah. Yeah, sure, sure. It’s like the same story as well. Like I was involved in many projects, big projects. So I was like seeing my colleagues or some external, because sometimes it was like you have the clients, you have us, and you have teams from the provider, from the ERP teams, like the IT guys that are developing the code. like big teams and also…

Anna Talerico (29:15)
Yeah.

Charaf BOURHALLA (29:34)
you have a project manager that is orchestrating everything. It’s like a maestro that is giving everyone tasks, deadlines, and all that stuff. So I know all the tasks, all the expectations, and I did a lot of pieces of project management. But later on, I told myself, why not? Because I need to certify to my new clients or to my new like,

Anna Talerico (29:39)
Okay.

Charaf BOURHALLA (30:01)
companies that I have a certification. did projects, that’s for sure, but I need also the tools. I like to have the tools, the theoretical tools. So I went for this PMP and it’s really, really very interesting because they give you like the tools, all the analysis, all that. So I’m happy to have it. And I’m also planning to have like other, because you have this agile certification for project management as Scrum and you know, so

Anna Talerico (30:21)
Yeah.

Charaf BOURHALLA (30:31)
I will never stop learning. To be honest, I like that.

Anna Talerico (30:34)
I love it. love it. tell me, you know, today you’re doing consulting back in consulting again, you’re part of growth CFO and you are again sharing such valuable content on LinkedIn. One of the ways that we first met was on LinkedIn and just some of the great content you’re sharing. imagine you are often talking to early stage career, young professionals and

what kind of advice do you give to people about their career path and how to have success in their career journey?

Charaf BOURHALLA (31:12)
Yeah, as you may, as you understand from what I’ve seen, it’s like always take challenges, you know, if you want to grow, take challenges. Challenges can, your really unique opportunity to grow. Don’t think a challenge is obstacle. It’s not an obstacle. It’s like opportunity for you to grow. take challenges. Don’t be afraid of that. The example I can give here.

Anna Talerico (31:19)
Yeah.

Yeah.

Charaf BOURHALLA (31:38)
It’s like my journey on LinkedIn. To be honest with you, I was consuming content on LinkedIn. I was like afraid, scared to be seen on LinkedIn. It’s really, really… Even if I’m someone that is having self -confidence, but to show your life, to show your content on LinkedIn, it’s not easy. I was like really scared. But now, I’m 48 years old.

Anna Talerico (31:49)
Yeah.

Yeah.

Charaf BOURHALLA (32:04)
I have a lot of things to share back. I said, okay, I wanna jump. I wanna just, I don’t have anything to lose. So I wanna just test. But I said to myself, what kind of content I can give to people? So I was behind the screen. I said, what I was looking for few years ago and they couldn’t find it. So I built something that I was looking for, which is like in IFRS, I built a format of IFRS.

Because IFRS norms has a really, really technical subject. And for one norm, you can have like 80, 100, 200 pages for one norm. So I told to myself, I need to have in a quick snapshot an idea about this norm. And if people want to have some deep understanding, they can do it themselves. But I can give them Pareto principle. 20% of

the information that can cover 80% of their needs. So this is the idea behind. So I said, I test. If it doesn’t work, doesn’t work. So I tested like mid -April this year. And it was amazing how people was reacting and liking this piece of content. piece of content as well, like piece of advice, don’t be shy. like test, just like take action and then you will not regret it. And…

To come back to your question for early finance professional that start their career in finance, I want to tell them that don’t rely on your companies to take your learning journey. Be proactive, be proactive, because when you are graduated from like a business school, it’s not the end of the learning journey. It’s the start, to be honest with you. And you have…

they have to dedicate like percentage of their income for their own like learning journey because the market is competitive. Everything is evolving. Tech is evolving. AI is evolving. Norms is evolving. So you need to be updated because people sometimes they are stuck in one job after 10, 15 years, they are like let off when they start to be

like in competition on the market, they are just lost because they didn’t invest in themselves. So invest in themselves because your most valuable asset is yourself. And yeah, there is a lot of online courses, podcasts, YouTube channels, lot of ways to improve skills. Yeah.

Anna Talerico (34:46)
Yeah, yeah, I love it. That’s been a great place to wrap up our conversation This was so great to share your story. I really appreciate it. And I’d love to, again, love to watch your content and thank you so much for being a great CFI member and thanks for coming on the podcast today.

Charaf BOURHALLA (35:05)
Thank you very much, Anna, for having me. I’m really, grateful for this opportunity. Thank you. Thank you very much. Thank you.

Anna Talerico (35:11)
Thank you.