Category Archives: Training

Training & Competence – T&C

Training & Competence – T&C

Training & Competence t&c

The importance of this section cannot be under stated. Due to the changes in this area and post-Brexit potential changes, we consider it prudent to provide a link to the FCA Handbook https://www.fca.org.uk/firms/training-competence 

Additionally, you may find these points useful;

How are individual training needs identified and by whom?
Identifying the training needs for each role in the T&C scheme should start with the professional knowledge / qualifications required of that role. Professional bodies like the CII (Chartered Institute of Finance) and Chartered Institute for Securities and Investment (CISI) run both training programmes and provide qualifications. A second source of guidance is your professional trade body. Many trade bodies host interest groups on T&C that will enable networking and the opportunity to benchmark with other similar organisations. The third source of guidance should be your internal HR team. If you don’t already have the competency requirements defined for the roles in the T&C scheme, they should have the expertise to help you define what these are. HR should be a key resource for guidance on the competency requirements of each role beyond the core set of professional knowledge / qualifications. Once defined for each role, these competency frameworks form the basis for the identification of training needs that should be aligned by role. All that remains then is to organise any training needs in a logical sequence. On a final note, training needs can arise at any time and a key part to effective identification is supervisors who are trained and capable of not only spotting training needs but providing appropriate support to resolve them.
How are the learning objectives, timescales, responsibilities and measurements set defined for each training need identified?
This depends on the nature of the training needs. There is a great deal of discretion for firms to decide how they define and subsequently deliver their training. Professional bodies usually set annual standards for continuing professional development (CPD) for their members and many firms will also have their own in-house expectations too. These CPD requirements will often be split into structured versus unstructured learning. In fact, the FCA requires that retail investment advisers need to complete 35 hours of CPD each year. Successful completion of this CPD enables the individual to retain their Statement of Professional Standing (SPS). Beyond the CPD targets set by professional bodies, firms can and do set their own CPD requirements. This should be linked to the required measurements and timescales and be evidenced as part of the T&C Scheme arrangements.
In essence, any training identified should be noted via a SMART training plan that allows anyone looking at an individual’s development to be able to see when the need was identified, how will it be met and, when it is met, how will the change be measured.
What is in place to ensure training remains effective and up to date?
Training plans should be subject to regular review. There should be corporate training input that is managed by a central training team and typically will cover the provision of e-learning together with behavioural type inputs such as selling skills, handling difficult clients etc. Then you have the localised training that will tend to be managed by the T&C Supervisor. This is where small needs are identified through other T&C activities and then localised on the spot training is delivered to meet the need.  The trick here though is once again for a well-trained supervisor who can identify, manage and deliver against these needs, ensuring of course that everything is documented on the individual’s records, because if you can’t evidence it then in the eyes of the regulator it didn’t happen.
Who is responsible for ensuring training is timely, appropriate and evaluated?
At a localised level it is the T&C supervisor that needs to cater for the needs of the individual through either 1:1, group or referred training. Each training intervention should be evidenced through some type of Training Event Record that details what the training need is, what the proposed solution is and how this will be taken into the workplace. A structured approach of this nature then allows the T&C Scheme activity to be reviewed by the most senior overseer of the scheme to help ensure that training needs are either being met in the field or referred where a more formalised response is required.
How is training evaluated and by whom?
Who takes responsibility for making assessments about the competence and capabilities of individuals will vary across different organisations. However, responsibility for evaluating the effectiveness of training tends to fall to the staff member’s immediate line manager, dedicated T&C supervisors or, in some cases, a mix of both. Because whilst training is the input, the most effective way of evaluating its success is looking at the output and that means reviewing the individual whilst operational in role. The T&C scheme should define who assesses what activities and training will typically be evaluated at the point of delivery (by the training team) and at the point of use by the supervisory team.

If you need to create, review or execute your Governance. Risk or Compliance strategy, call us today on 0207 097 1434 or email info@complianceconsultant.org.

This guide is only an aide memoire and intended for information only for anyone appraising the documentation needed in an audit/compliance check. It is not to be considered as direct advice or intended to replace specific 1 to 1 engagement with your compliance and risk professional.

COCON – SMCR compliance training for all staff

The SMCR Code of Conduct is freely available on the FCA Website, but how did it come about?

What’s the history of the SMCR and the Code of Conduct Rules, and why were the Approved Person code of conduct not sufficient?

In this 1/2 day training session we will explain not only what, but the how and why the new code of conduct applies to ALL Financial Services Staff, not just the SMFs or the Certificated Persons. We will show who doesn’t need to abide by the rules, but more importantly provide real life examples of why they apply to today’s businesses.

 

What Makes This Course Different?

  • Need a kick start to your SMCR training? Well this workshop will equip you with everything you need to know and everything you need to do
  • Leveraging the trainers experience with the banking rollout we look to unpick the lessons to be learnt for the SMCR extension to all regulated firms
  • Packed with practical experiences to illustrate the relevance and dovetails with the SM&CR
  • Conduct rules; where di they come from, what do they mean & why do they matter?
  • Walk away with a clear plan of your next steps for your SMCR implementation
  • We can also go into greater depth on the requirements for your company to implement their own project plan if needed as an additional course.

Objectives

  • Review and understand the backstory to SMCR and where it came from
  • To know and understand the key employee categorisations within your firm, SMFs, CP, non-approved and ancillary
  • Apply the conduct rules to your firm and your organisation

Content

Overview and journey to the SMCR regime – briefly!

  • The backstory to SMCR; the Parliamentary Commission for Banking Standards (PCBS)
  • The regulatory reaction
  • The Fair & Effective Markets Review
  • The road to Implementation
  • Aims and Objectives of SMCR
  • What is the SMCR, what does it mean and why do the COCON Rules matter

Conduct Rules

  • Individual conduct rules, what are they and how do they apply
  • Tier 2 Conduct rules for SMFs
  • Reasonable steps for SMFs

Call us on 0207 097 1434

Or complete the form below

Event Registration

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Treating Customers Fairly & Conduct Risk Course

Treating Customers Fairly & Conduct Risk Course

TCF CR treating customers fairly course conduct risk

Complete the form below to contact us!

What Makes Compliance Consultant Courses Different

We have been delivering training for over 20 years and this is one of our core competencies. We believe we are experts on this topic and having delivered training to a wide range of firms and businesses, we are certain we know the topic as well as anyone in the market place.

We have written a book on “Conduct Risk and what happens when it goes wrong”, available on Amazon

TCF and Conduct Risk is the stuff of myths and misunderstanding with no direct reflection on real life: we will show you everyday workplace examples or situations.

Conduct Risk Check List Template
Click on the picture above to download

Your course director is a highly successful, qualified and experienced executive who will pass on past experiences and “war stories” generally to enhance the workshop and help bring it to life.

We do not use academics. All our trainers are highly experienced professionals with relevant qualifications and vocational experience in the real world.

We have delivered many core governance, risk and compliance courses over recent years and have a very clear understanding of what good and bad look like and the consequences, intended or not, of poor decision making.

We have developed highly interactive and very enjoyable case studies to enhance the learning points. All delegates report that these are a high point.

We are always judged by our results which speak for themselves and the feedback received from previous delegates has always been excellent.

Course Objectives

How to put customers’ best interests first

How to use the six consumer outcomes to ensure customers are treated fairly

What tasks should be carried out when customers are treated fairly

How to use management information to ensure you are treating customers fairly

Who would benefit

Employees working in the Financial Services Industry who are at risk of damaging by inadvertently mis-selling customer policies, writing/publishing misleading policies and ineffective complaints handling procedures.

Course Content
Session 1
  • What is meant by “conduct risk”?
  • The regulatory framework and approach to conduct risk
  • Business models and governance of conduct risk
  • Conduct risk and “Treating Customers Fairly”
  • Tangible elements of conduct risk: product design, distribution and organisational infrastructure
  • Practical aspects of managing `and monitoring conduct risk
 
Session 2
  • 5 Conduct Related Questions To Ask
  • Do you have the ‘right’ organisational culture?
  • Are you measuring and monitoring culture effectively?
  • How can you effect cultural changes?
  • Who will benefit?
 
Session 3
Workshop:

  • Behavioural aspects of conduct risk: leadership, conflicts of interest, people risk and organisational culture
  • Case Study. Assessing TCF strategy and policy: robust, appropriate and aligned with Conduct Risk?
 
Session 4
  • Culture and fair treatment of customers: drivers and indicators
  • Dusting off and re-running your TCF gap analysis with reference to Conduct Risk
  • The FCA’s expectations of senior executives
  • The management Information that demonstrates your fairness at the heart of the business and commitment to achieving and evidencing good consumer outcomes.
  • Forthcoming developments: SMCR & Conduct Risk and individual accountability
 
Your Course Facilitator Backstory
Lee has worked with a range of organisations from small start-ups through to FTSE100 companies, many that have had difficulties identifying and managing conflicts of interests, and helped them develop effective, robust systems. He has adapted his experience to develop this course and supporting materials with the practical skills-based focus. Lee’s skills, qualifications and experience make him ideal for supporting anyone wishing to develop top-class knowledge in the management of TCF & Conduct Risk.

He has written a book on “Conduct Risk and what happens when it goes wrong”, available on Amazon.

Having been a freelance consultant and trainer for twenty years, your course director was appointed as a skilled person in 2012 and has conducted many audits, assessments, roll-outs and change management programmes from complaints programs, conduct risk frameworks, global risk frameworks, as well as having provided regulatory interpretation to investment banks, worked on many risk mitigation programs and set up banks.

 

He is also a highly experienced soft skills trainer and has completed numerous “train the trainer” assignments.

Conduct Risk Check List Template
Click The Picture above to Download

Online Courses you may be interested in

SMCR For Limited & Core Firms – Click on this link => http://bit.ly/SMCRcse

Digital Onboarding for Fintech Firms – Click on this link => http://bit.ly/DigitalCheck


Need a Compliance Manual? Our Top-selling Template is available HERE

Need an AML & CTF Policy and procedures template? Our Top-selling Template is available HEREaml template fca mlr2017


 

 

 

 

 

 

This Course Can Be Presented In The Following Formats:

 

Public Course

Future Dates Not Yet Available

 

Face to Face In-House

 

This course can be tailored and presented in-house at your location for 3 or more participants.

 

From £850

 

Live In-House Webinar

 

This course can be tailored and presented exclusively via live webinar for your company for a group of participants. Participants are given a link and login and the trainer presents the course to a maximum of 20 participants.

Participants can login from different offices.

From £850

 

Pre-Recorded In-House Webinar

 

The trainer records the course exclusively for your company – in one session or in “bite-size” video files. We provide access to our Proprietary Online System, the whole course as a pdf and any supporting course materials for an agreed amount of time (6 or 12 months) for any number of participants up to 5,000.

From £3,000

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Fraud including Credit Card Fraud and Suspicious Transactions Course

Fraud including Credit Card Fraud and Suspicious Transactions Course

credit card fraud core categories of a risk based approach

Complete the form below to contact us!

What Makes Compliance Consultant Courses Different
  • We have been delivering training for over 20 years and this is one of our core competencies. We believe we are experts on this topic and having delivered training to a wide range of firms and businesses, we are certain we know the topic as well as anyone in the market place
  • Your course director is a highly successful and experienced executive who will pass on past experiences and “war stories” generally to enhance the workshop and help bring it to life
  • We do not use academics. All our trainers are highly experienced professionals with relevant vocational experience in the real world
  • We have delivered many fraud and financial crime courses over the last few years and have a very clear understanding of what may be contributing to the fraud. In addition, participant feedback informs us in both a precise and timely manner what the changing regulatory imperatives are over time.
  • We have developed highly interactive and very enjoyable case studies to enhance the learning points. All delegates report that these are a high point
  • We are always judged by our results which speak for themselves and the feedback received from previous delegates has always been excellent
Course Objectives
  • The aim of the Course is to provide fraud managers and others to obtain a wider understanding of risk management within the context of external fraud.
  • The delegates will have the ability to understand fraud risk in the wider context of enterprise risk management and business in general.
  • If you are responsible for drawing up financial policies as part of your job, this course will help you decide which checks/framework to put in place and how to enforce them
  • If you have been investigating or det4ecting fraud, this course may help you understand the perpetrator’s motives and the various factors that prompted their actions
  • This course will help you identify suspicious behaviour, which in turn will allow you to play your part in tackling this common crime.
  • This will include the ability to conduct a fraud risk assessment and manage the findings.
Course Content
Session 1
  • So You Have A Fraud Situation, Really?
  • What’s the difference between fraud and bribery/blackmail?
  • 11 Common Types of Credit Card fraud & crimes
  • 8 Types of identity theft and ways to spot them
  • Definitions, types of fraud, scale and typologies
Session 2
  • AML MLR 2017 S33, 37 & 38 – What Makes A Suspicious Transaction?
  • Difference between Suspicious Activity & Suspicious Transactions.
  • 19 Red Flags for AML/CTF
  • Where are Suspicious Transactions identified?
  • CDD & EDD Monitoring
  • The legal requirement to monitor Suspicious Transactions.
  • Suspicious transactions, involving;
  • Investment Fraud
  • Loan/Credit card application fraud
  • Other miscellaneous fraud
Session 3
  • The Modern Fraud Risk Management Framework
  • The drivers of financial crime, offending and the types of financial crime commonly encountered.
  • The international frameworks designed to help counter financial crime.
  • How will 2FA beat Card Fraud?
Session 4
  • The Fraud Triangle
  • The people problem: motives and behavioural issues behind fraud – the Fraud Triangle, who commits fraud and why
  • Role of directors and Responsibilities of senior managers for fraud prevention and detection.
  • The role and responsibilities of auditors in fraud prevention and detection.
Session 5
  • Workshop of scenarios (with PM break as appropriate)
  • 11 most common forms of credit card fraud.
  • Application Fraud
  • Electronic or Manual Credit Card Imprints
  • CNP (Card Not Present) Fraud
  • Counterfeit Card Fraud
  • Lost and Stolen Card Fraud
  • Card ID Theft
  • Mail Non-Receipt Card Fraud
  • Doctored Cards
  • Fake Cards
  • Account Takeover
  • Quiz: Are They A PEP or Not a PEP?
Session 6
  • Assumed Identity involving some or all of the following 8 types of identity theft;
  • Financial Identity Theft
  • Driver’s License Identity Theft
  • Criminal Identity Theft
  • Social Security/Gravestone Identity Theft
  • Medical Identity Theft
  • Insurance Identity Theft
  • Child Identity Theft
  • Synthetic Identity Theft.
Course Conclusion
Your Course Facilitator/Director Backstory
Your course director has spent over 30 years in the banking and financial sector, much of it in a Senior Managerial/Director role. A highly successful, long and varied “fast track” career in Banks led him to very senior management at an early age. Challenged by the industry reluctance to adopt regulated principles, he entered compliance 20 years ago and has run a successful consultancy ever since.

The trainer has been a freelance training consultant since 2000 and is an expert on FCA and regulatory compliance generally. As a Chartered FCSI he has also created and delivered training to a vast range of clients from global giants to small partnerships. He is an accomplished global trainer and has delivered extensive programmes in the UK, Europe, Africa, and the Middle East.

He is a highly adaptive, hands-on and highly sought-after facilitator who always receives excellent feedback from delegates. He is comfortable training at any level of seniority and experience from “black belts” to novices. His expertise includes but is not limited to Regulatory Compliance, Risk Management, Trade Finance, FCC & AML and all aspects of Corporate, Private & Retail Banking.

Lee has written several books, available at Amazon including “The Compliance Managers Guide & Reference” and “Conduct Risk”.

He is also a highly experienced soft skills trainer and has completed numerous “train the trainer” assignments.

Online Courses you may be interested in

SMCR For Limited & Core Firms – Click on this link => http://bit.ly/SMCRcse

Digital Onboarding for Fintech Firms – Click on this link => http://bit.ly/DigitalCheck


Need a Compliance Manual? Our Top-selling Template is available HERE

Need an AML & CTF Policy and procedures template? Our Top-selling Template is available HEREaml template fca mlr2017


 

 

 

 

 

 

This Course Can Be Presented In The Following Formats:

 

Public Course

Future Dates Not Yet Available

 

Face to Face In-House

 

This course can be tailored and presented in-house at your location for 3 or more participants.

 

From £850

 

Live In-House Webinar

 

This course can be tailored and presented exclusively via live webinar for your company for a group of participants. Participants are given a link and login and the trainer presents the course to a maximum of 20 participants.

Participants can login from different offices.

From £850

 

Pre-Recorded In-House Webinar

 

The trainer records the course exclusively for your company – in one session or in “bite-size” video files. We provide access to our Proprietary Online System, the whole course as a pdf and any supporting course materials for an agreed amount of time (6 or 12 months) for any number of participants up to 5,000.

From £3,000

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SAR Workshop and Adverse Media Risk Assessments

Subject Access Reports Workshop and Adverse Media Risk Assessments for business and recruitment.

sar adverse social media risk based approach

Complete the form below to contact us!

What Makes Compliance Consultant Courses Different

  • Failure to file an appropriate SAR can lead to big trouble. But regulators also caution against filing unwarranted “defensive” SARs.

  •  Our experts provide practical advice for the high-wire balancing act of when, and when not, to file a SAR.

  • This includes decision-making methodologies that you can apply enterprise-wide; separating anomalies from red flags; and how to replace subjective judgment calls with clearly objective determinations.

  • Your course director is a highly successful and experienced executive who will pass on past experiences and “war stories” generally to enhance the workshop and help bring it to life

  • We do not use academics. All our trainers are highly experienced professionals with relevant vocational experience in the real world

  • We have delivered many AML and financial crime courses over the last few years and have a very clear understanding of what may be contributing to the fraud. In addition, participant feedback informs us in both a precise and timely manner what the changing regulatory imperatives are over time.

  • We are always judged by our results which speak for themselves and the feedback received from previous delegates has always been excellent.

  • It’s a can’t-miss tutorial on a lingering compliance conundrum.

Course Objectives

   
  •  Establishing review/risk committees to ensure consistent escalation practices

  •  Ensuring you know when and when not to make a Suspicious Activity Report

  •  What to include in a local SAR

  •  Rating suspicious activities to assure conformance to institutional standards like the The FATF 40 Guidelines

  • The categories and areas of concern under NLR 2017

  • Where Suspicious Activity is identified, and the Red Flags raised

  • What Social Media checking is available and why Search Engines are not enough

  • Where to find other sources of intelligence to help your decision making

Course Content

 

 

Session 1

   
  • Local SAR Reporting
  • MLRO’s Role in SAR Evaluation
  • FATF and the 40 Guidelines
  • MLRO completion of a SAR
  • When, and when not, to file a SAR.

Session 2

   
  • Difference between Suspicious Activity & Suspicious Transactions.
  • 5 Categories and 27 Areas of Concern under MLR2017
  • 10 Banking Areas that raise suspicions
  • 19 Red Flags for Property AML/CTF
  • Where are Suspicious Transactions identified?
  • CDD & EDD Monitoring – MLR 2017 S33, 37 & 38

Session 3

   
  • Adverse Social media – Facebook, Insta, Twitter etc
  • Other sources of adverse media/intelligence
  • 3 Areas of search for Adverse Media
  • 5 Best Practices for Adverse Media Checks

Session 4

   
  • 7 Best Tools For searching for social media accounts
  • Workshop – Suspicious Activity Scenarios

Course Conclusion

 

 

Your Course Facilitator/Director Backstory

   
Your course director has spent over 30 years in the banking and financial sector, much of it in a Senior Managerial/Director role. A highly successful, long and varied “fast track” career in Banks led him to very senior management at an early age. Challenged by the industry reluctance to adopt regulated principles, he entered compliance 20 years ago and has run a successful consultancy ever since.

The trainer has been a freelance training consultant since 2000 and is an expert on FCA and regulatory compliance generally. As a Chartered FCSI he has also created and delivered training to a vast range of clients from global giants to small partnerships. He is an accomplished global trainer and has delivered extensive programmes in the UK, Europe, Africa, and the Middle East.

He is a highly adaptive, hands-on and highly sought-after facilitator who always receives excellent feedback from delegates. He is comfortable training at any level of seniority and experience from “black belts” to novices. His expertise includes but is not limited to Regulatory Compliance, Risk Management, Trade Finance, FCC & AML and all aspects of Corporate, Private & Retail Banking.

He has written several books, available at Amazon including “The Compliance Managers Guide & Reference” and “Conduct Risk”.

He is also a highly experienced soft skills trainer and has completed numerous “train the trainer” assignments.


Online Courses you may be interested in

SMCR For Limited & Core Firms – Click on this link => http://bit.ly/SMCRcse

Digital Onboarding for Fintech Firms – Click on this link => http://bit.ly/DigitalCheck


Need a Compliance Manual? Our Top-selling Template is available HERE

Need an AML & CTF Policy and procedures template? Our Top-selling Template is available HEREaml template fca mlr2017


 

 

 

 

 

 

 

 

 

 

 

This Course Can Be Presented In The Following Formats:

 

Public Course

Future Dates Not Yet Available

 

Face to Face In-House

 

This course can be tailored and presented in-house at your location for 3 or more participants.

 

From £850

 

Live In-House Webinar

 

This course can be tailored and presented exclusively via live webinar for your company for a group of participants. Participants are given a link and login and the trainer presents the course to a maximum of 20 participants.

Participants can login from different offices.

From £850

 

Pre-Recorded In-House Webinar

 

The trainer records the course exclusively for your company – in one session or in “bite-size” video files. We provide access to our Proprietary Online System, the whole course as a pdf and any supporting course materials for an agreed amount of time (6 or 12 months) for any number of participants up to 5,000.

From £3,000

Contact Form

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Online Senior Managers & Certification Regime Compliance Course Available For Core-Limited Firms

Why This Course?

Running Your Own SMCR Preparation Project?

This course will equip you with everything you need to know and everything you need to do.

The extension of the Senior Managers and Certification Regime (SM&CR) to investment firms in December 2019 represents a major overhaul of the way in which individuals working within financial services are regulated.

The new rules increase the number of employees who are subject to regulatory obligations, whilst significantly enhancing the accountability of those in senior management positions. They also impose potentially onerous obligations on firms, from the documentation of management responsibilities to the training of employees on the application of the Conduct Rules.

We have extensive experience in training senior managers and other staff who are subject to the SM&CR and we have developed a range of training solutions to suit a wide variety of requirements. You will also gain access to a 50% discount in our special offer promotion for a valuable aid to your implementation planning.

Run by Lee Werrell Chartered Fellow of the CISI and someone with years of experience in implementing the SMCR in the banking and insurance world, you will benefit from;

  • Leveraging the trainers experience with the banking roll-out; we look to unpick the lessons to be learnt for the SMCR extension to all regulated firms
  • Packed with practical exercises to focus on the identification of key employees and what you need to do in the lead in to SMCR
  • Conduct rules; what are they, what do they mean & why do they matter?
  • Walk away with a clear plan of your next steps for your SMCR implementation
  • Includes a Special Offer on Our Popular & Practical Project Plan

The Course Objectives

  • Review and understand the history to the SMCR and where it came from
  • To know and understand the key employee categorisations within your firm, SMFs, CR, non-approved and ancillary
  • Be able to evaluate your SMFs; who are they and what they need to know
  • Analyse your CPs and define who will be in this category
  • Apply the conduct rules to your firm and your organisation
  • Review the breach process and how to apply within your firm, as well as when and why
  • Know who to train and what
  • Understand the need for accurate regulatory referencing under SMCR
  • Appreciate the need for accurate, effective and reflective governance and how you run your business.
  • Gives You A Unique DIscount Opportunity by a Special Offer on Our Popular & Practical Project Plan

In Summary

Originally rolled out to the banking sector in 2016, the Senior Managers and Certification Regime (SMCR) is about to be extended to around 47,000 additional firms.

Beginning with insurance companies, from December 2018, and reaching asset managers and other regulated firms in December 2019.

The Financial Conduct Authority (FCA) is tightening up its rules, replacing the current Approved Persons Regime with the Senior Managers and Certification Regime (SMCR). The regime has already been operating in the banking sector for some time and will this year extend to all within the financial services sector.

This change will affect all FCA regulated firms including non-UK firms with permission to carry out regulated activities in the UK, and it will focus on three key areas:

  1. The Senior Managers Regime
  2. The Certification Regime
  3. Conduct Rules

SIGN UP NOW AT UDEMY.com

 

The implementation date has been set for the 9th December 2019

Target group

  • All staff within authorised firms will be in scope

  • Senior Manager Functions (SMFs)

  • Certified Persons (CPs)

  • Non-approved

  • Also strongly recommended for those who will be directly involved in the implementation; Compliance & HR.

What you’ll learn

  • Overview & journey to the SMCR
  • FCA SMCR Key Features
  • Senior Managers Regime – Explained
  • FCA Certification Regime
  • Conduct Rules – COCON
  • And More….

Are there any course requirements or prerequisites?

  • UK FCA Registered Individual or Firm

Who this course is for:

  • UK FCA Sole Regulated Financial Services Firms
  • UK FCA Sole Regulated Financial Services Individuals
  • UK FCA Firm Compliance Directors
  • UK FCA Firm Risk Directors
  • UK FCA Firm Directors
  • UK FCA Firm Compliance Managers

SIGN UP NOW AT UDEMY.com

 

KYC and AML – Suitable for all firms with AML responsibilities

The UK is one of the world’s largest and most open economies, whose strength is based on substantial and productive relationships around the world. Government Ministers have the responsibility for national security and financial services, so they want the UK to remain to be an appealing country for legitimate business and a leading global financial centre. But they also recognise that the UK’s openness and position as a global financial centre exposes it to the risk of illicit financial flows.

Money laundering and terrorist financing are important threats. Recent terrorist attacks in London, Manchester and elsewhere highlight the value of the fight to deprive terrorists of the resources they need. Serious and organised crime has been estimated to cost the UK tens of billions of pounds yearly. That is why we must continue to squeeze out dirty money, strengthening the UK’s security and prosperity as well as that of our partners overseas.

What makes Our Course Different?

  • We have been delivering KYC training for over 12 years and are proud to have been chosen by some of the world’s leading banks.
  • Your course director is an expert on the subject, has over 30years’ experience in the industry and has delivered highly successful programmes to financial services firms at all levels; from small partnerships, to medium sized firms and global giants
  • The course is packed full of interesting points and actual case studies making it highly engaging and very relevant
  • Our feedback from past delegates has always been excellent

Objectivesaml template fca mlr2017

  • Understand fully the requirements of MLR2017
  • Understand that good enough, seldom is
  • Appreciate that this is mandatory, not optional
  • Recognise the importance of a risk assessment
  • Recognise the critical role of a risk based approach
  • Be able to put in place a framework meet the regulatory requirements fully
  • Recognise that AML is a holistic process and needs to be embedded into culture and form part of doing business as usual
  • Recognise and be able to deal with the challenges of implementing an effective system

Content

  • Introduction – What is Money Laundering
  • Placement, Layering, Integration
  • How does this work in practice
  • The scale of the problem

Establishing a KYC framework

  • What should instittions have in place
  • Money Laundering Regulations 2017
  • Changes
  • General risk assessment
  • Risk mitigation policies
  • Level of due diligence
  • Reliance on third parties
  • PEPs
  • New Criminal Offence
  • Office for Professional Body Anti-Money Laundering Supervision (OPBAS)

What is KYC & CDD

  • Initial Risk Assessmnet
  • Risk based approach & Methodology
  • Risk driven controls
  • Material triggers
  • The customer lifecycle

The CDD process smcr project plan regulation buy now how do

  • KYC – getting to know the customer
  • IDV – checking what they say
  • SDD? Is it really viable?
  • EDD – more comprehensive client knowlede and due diligence
  • Ultimate Beneficial Ownership
  • Source of Wealth
  • Source of Funds
  • Regular review process

Remediation process – introducing new rules and requirements for the first time

  • How  Should CDD or EDD be applied
  • Using a risk based approach onlyl
  • How do we allocate the risk category
  • A typical Risk Assessment Methodology
  • Using the RAM in practice
  • The three plus two lines of defence model

Who needs to be subjected to KYC?

  • Onboarding and Review procedures
  • Using technology – a must for large volumes
  • Swim lines
  • Expetion report and alerts
  • The role of the second line of defence
  • The role of internal audit

Essential Elements of KYC Standards

  • Clear and user friendly procedures and guidelines
  • Customer acceptance policy
  • Customer identification policy
  • Guidelines for opening accounts
  • KYC for existing accounts – called “remediation” and needs to be managed well

Politically Exposed Persons

  • Definition – formal
  • Definition in practice
  • Why are they a special case
  • Mandatory high risk
  • UBO issues
  • Source of Wealth issues
  • Annual Review issues

Specific Identification & Verification Issues

  • Trust nominee and fiduciary accounts
  • Corporate vehicles
  • Complex Structures
  • Introduced business
  • Client accounts opened by professional intermediaries
  • Non face to face customers
  • Offshore accounts

Constructing the KYC Framework

  • Policies
  • Roles and Responsibilities
  • Senior Management and M.I. requirements
  • The MLRO (or equivalent) challenge!
  • Risk Assessments and Procedures

Implementing and Managing the Total KYC

  • Escalation
  • SAR’s & Whistleblowing
  • Due diligence (on-going)
  • Record keeping
  • Training
  • Monitoring
  • Reporting

Challenges with KYC & How To Control It

  • Staff & Client resistance
  • Embedding as part of the culture
  • Prevention & detection
  • Early warning systems
  • Controls, KPI & KRI

Course Summary, Open Forum, Close

Background of the Trainer

Course Director

Lee has worked with a range of organisations from smal start-ups through to FTSE100 companies, including foreign banks and institutions, many that have had difficulties identifying and managing compliance risk, and helped them develop effective, robust systems. He has adapted his experience to develop this course and supporting materials with the practical skills based focus. Lee’s skills, qualifications and experience make him ideal for supporting anyone wishing to develop top-class knowledge in the management of Anti-Money Laundering and Counter Terrorist Financing.

Course Summary

This is a highly interactive, user friendly and comprehensive workshop for both banks and other regulated institutions and practitioners alike. It covers the KYC procedures and systems that all regulated institutions must have in place and deals with the full range of clients from straightforward retail, to higher risk clients (including PEPs) and clients who use complex structures.

Who Should Attend

  1. Financial Institutions regulated by the FCA including those falling under EMI, PSD and MIFID.
  2. Anyone who onboards new clients for financial transactions as described under the MLR 2017.
  3. Anyone with an interest in the subject especially “Relevant persons” under the UK MLR 2017, i.e. Estate Agents etc, as below
  • Where previously only holders of a casino operating licence were covered by the regulations, they now pertain to all gambling providers
  • Trustees now have greater obligations in relation to revealing the beneficiaries of trusts
  • Those engaging in financial activity on ‘an occasional or very limited basis’ are not covered by the regulations. ‘Occasional or very limited’ is defined as:
    • annual turnover from financial activity of less than £100,000 (this figure was previously £64,000)
    • activity limited to transactions not exceeding EUR 1000 per customer
    • financial activity ancillary to a larger business
    • financial activity not more than 5% of the total turnover of the larger business
    • financial activity only offered to customers of the main business
Knowledge Pre-requisites
None required
from £250 pp – Minimum 5 persons

Format

  • Duration is as a full day classroom workshop – Your Venue or we can arrange local venue at additional cost.
  • Attendees can also purchase our AML & CTF Policy & Procedures Document at 50% discount

Call us on 0207 097 1434

Or complete the form below

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AML – New Entrant Programme – Suitable for all firms with AML responsibilities, i.e. Estate Agents etc

aml template policy procedures ctf money laundering

AML & CTF New Entrant Programme 

Suitable for any firm with AML responsibilities like Estate Agents etc

The UK is one of the world’s largest and most open economies, whose strength is built on extensive and productive relationships across the globe. Ministers have the responsibility for national security and financial services, so they want the UK to continue to be an attractive country for legitimate business and a leading global financial centre. But they also recognise that the UK’s openness and status as a global financial centre exposes it to the risk of illicit financial flows.

Money laundering and terrorist financing are significant threats. Recent terrorist attacks in London, Manchester and elsewhere highlight the importance of the fight to deprive terrorists of the resources they need. Serious and organised crime has been estimated to cost the UK tens of billions of pounds every year. That is why we must continue to crack down on dirty money, strengthening the UK’s security and prosperity as well as that of our partners overseas.

What Makes Compliance Consultants Courses Different?

  • for over 20 years and have a first class reputation for delivering excellent value-for–money training
  • Our consultants are practicing compliance specialists and have industry qualifications and many years experience
  • This is a core competence for us and we are certain nobody trains more effectively than we do when it comes to this topic
  • The course director is an acknowledged subject matter expert and is also a Master Trainer
  • The workshop involves real life case studies and discussion sessions, with delegate involvement encouraged at all times
  • We don’t use academics as trainers. All our trainers are experienced practitioners who achieved at least senior management status over long careers
  • Your course director has been in the industry for over 30 years and has owned and/or operated financial services consultancies
  • We are judged solely by our results and we are proud to say that delegate feedback over many years has always been excellent

Objectives

  • Appreciate why AML & CTF are important
  • Understand how to complete an initial risk assessment
  • Appreciate the importance of effective controls and oversight
  • Recognise what an effective process should look like
  • Understand what “good” client on-boarding looks like
  • Realise that CDD is a process not just a tick box exercise
  • Recognise the importance of embedding CDD into the business as a normal business procedure as swiftly as possible
  • Recognise that business should never be taken on at the expense of compliance
  • Conversely, that compliance should not become just a business blocker

Course Content

  • What is AML?
  • The £40Bn scale of the problem
  • Why does it matter?
  • The three stages of money laundering
  • The three lines of defence model
  • Customer due diligence
  • KYC, CDD, EDD & DDD
  • A,B, C & D obligations Customer due diligence measures
  • High risk customers
  • Sanctions

Who Regulates This?

aml policy template
AML Policy & Procedures – Buy Now!
  • What must institutions have in place?
  • Why is compliance important?
  • Who sets the rules?
  • Regulators
  • BIS
  • FATF
  • Wolfsberg
  • Transparency international
  • JMLSG
  • Who polices the rules?
  • The US dimension
  • Clear policies and procedures
  • Senior management setting the tone
  • The role of the Compliance Head and the MLRO

The UK’s Initial Risk Assessment and the Risk Based Approach

  • Risk assessment methodology
  • What services/products would be attractive to a criminal?
  • Risk categories – standard, medium, high
  • Key controls
  • Sign off
  • Intensity of CDD
  • Review frequency
  • Transaction monitoring
  • The review process
  • Trigger events
  • The 3 lines of defence working as a team
  • Case study/Example

CDD, KYC, IDV, EDD & DDD – What do These Mean?

  • The financial crime lifecycle
  • CDD – the process
  • KYC – getting to know the client
  • IDV – checking the facts independently
  • EDD – for higher risk relationships
  • DDD – For some categories of client/counterparties
  • Source of Wealth
  • Source of Funds
  • Anti Terrorist Funding
  • The review process
  • Trigger events
  • The 3 lines of defence working as a team
  • Case study/Example

Dealing with Non-Personal Entities or Challenging Relationships

  • PEPS& Associates
  • Public Officials
  • What is a non-personal entity
  • Corporates
  • Trusts
  • Charities
  • Not for Profit Organisations
  • Money services business
  • Offshore relationships
  • Transparency – ensuring you have an end to end view
  • Ultimate beneficial ownership – 25% or 10%
  • Non face to face clients
  • Overseas clients
  • Jurisdictional risk
  • Case study/Example
aml money laundering risk

Sanctions

  • What are they?
  • Who sets them?
  • Who can be sanctioned?
  • Zero tolerance
  • Sanction types
  • Comprehensive/country
  • List based
  • Activity based
  • Sanction screening
  • Onboarding
  • Review
  • Payments
  • Real time (in-flight) versus non real time
  • Commercial providers –Worldcheck, Oracle
  • Sanction alerts
  • Sanction breaches
  • Payment stripping
  • Re-submits
  • Case study/Example

AML Typologies

  • How is money laundering completed in practice
  • “Professional” criminals want to stay under your radar
  • Placement risk easier to manage
  • Layering is a bigger vulnerability
  • Smurfing
  • Co-mingling
  • Multi banked
  • Overpayments
  • Underpayments
  • Changing quality and quantity
  • Other common methods
  • Case study/Example

Transaction Monitoring  – The Safety Net

  • Swim- lines and alerts
  • Who generates alerts & why?
  • What should prompt an alert?
  • Doesn’t make sense
  • Doesn’t fit our knowledge of the client
  • Doesn’t fit in with normal business activity
  • You have a bad feeling/misgivings
  • First line alerts
  • Second line alerts
  • Sanction alerts
  • Alert options
  • Accept
  • Seek more information
  • Escalate immediately
  • The importance of getting more information where applicable
  • Balancing the risk of tipping off with information gathering
  • Case Study/Example

Escalation Process

  • SAR’s or an internal intermediate stage – the pros and cons
  • Methods of escalation
  • Direct to MLRO
  • Via line manager
  • Via a confidential email
  • Whistleblowing
  • Essential SAR information
  • What does the MLRO do with alerts?
  • When must we involve specialist sanctions colleagues?
  • Deciding to escalate to the NCA
  • Time limits for escalation
  • Personal and potentially criminal liability of all parties
  • What happens once an SAR has been raised?
  • What happens next?
  • The mitigation process
  • The exit process

Other Key issues

  • Staff training – must be risk based
  • Creating a holistic, not process-based regime
  • Embedding escalation into “business as usual” processes
  • False positives
  • Ensuring the level of escalations are appropriate to the profile of the business
  • The role of internal audit
  • The MLRO report
  • Checking it all works well
  • Senior and top management oversight
  • Case study/Example

Course Conclusion

Wrap up
Summary
Open Forum

Background of the Trainer

Course Director

Lee has worked with a range of organisations from smal start-ups through to FTSE100 companies, including foreign banks and institutions, many that have had difficulties identifying and managing compliance risk, and helped them develop effective, robust systems. He has adapted his experience to develop this course and supporting materials with the practical skills based focus. Lee’s skills, qualifications and experience make him ideal for supporting anyone wishing to develop top-class knowledge in the management of Anti-Money Laundering and Counter Terrorist Financing.

Course Summary

As a new entrant to either the financial services industry or other businesses required to have in place effective AML & FCC controls, the range of requirements and responsibilities can seem overwhelming. There is also a danger of thinking AML is the only, or at least the biggest risk facing a firm. This is not true but it is a very high profile risk and the consequences of poor management or failure are very severe in both reputational and financial penalty terms. The MLR2017 has widened the scope considerably for AML procedures so that virtually all cash or near cash handling institutions have a responsibility to prevent financial crime.
At the heart of a successful AML process is a risk assessment, leading to a risk-based approach and a clear system for on-boarding new clients as well as reviewing existing relationships.  This workshop style, highly interactive course describes what “good” looks like, how to achieve it and how to understand why it is such an important feature of corporate governance.

Who Should Attend

Anyone with an interest in the subject especially “Relevant persons” under the UK MLR 2017, i.e. Estate Agents etc;
  • Where previously only holders of a casino operating licence were covered by the regulations, they now pertain to all gambling providers
  • Trustees now have greater obligations in relation to revealing the beneficiaries of trusts
  • Those engaging in financial activity on ‘an occasional or very limited basis’ are not covered by the regulations. ‘Occasional or very limited’ is defined as:
    • annual turnover from financial activity of less than £100,000 (this figure was previously £64,000)
    • activity limited to transactions not exceeding EUR 1000 per customer
    • financial activity ancillary to a larger business
    • financial activity not more than 5% of the total turnover of the larger business
    • financial activity only offered to customers of the main business
Knowledge Pre-requisites
None required
from £250 pp – Minimum 5 persons

Format

  • Duration is as a full day classroom workshop – Your Venue or we can arrange local venue at additional cost.
  • Attendees can also purchase our AML & CTF Policy & Procedures Document at 50% discount

Call us on 0207 097 1434

Or complete the form below

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Senior Managers Regime Explained

Senior Managers & Certification Regime – A Practical Guide & Workshop

A ½ Day Course

SMCR has to embedded by 9th December 2019 – will yours be ready?

 

What Makes This Course Different?

  • Need a kick start to your SMCR project? well this workshop will equip you with everything you need to know and everything you need to do
  • Leveraging the trainers experience with the banking rollout we look to unpick the lessons to be learnt for the SMCR extension to all regulated firms
  • Packed with practical exercises to focus on the identification of key employees and what you need to do in the lead in to SMCR
  • Conduct rules; what are they, what do they mean & why do they matter?
  • Walk away with a clear plan of your next steps for your SMCR implementation

 

Objectives

  • Review and understand the backstory to SMCR and where it came from
  • To know and understand the key employee categorisations within your firm, SMFs, CP, non-approved and ancillary
  • Be able to evaluate your SMFs; who are they and what they need to know
  • Analyse your CPs and define who will be in this category
  • Apply the conduct rules to your firm and your organisation
  • Review the breach process and how to apply within your firm

 

Content

Overview and journey to the SMCR regime – briefly!

  • The backstory to SMCR; the Parliamentary Commission for Banking Standards (PCBS)
  • The regulatory reaction
  • The Fair & Effective Markets Review
  • The road to Implementation
  • Aims and Objectives of SMCR
  • What is the SMCR, what does it mean and why does it matter

 

Key Regime Features

  • The enhanced regime
  • The core regime
  • The limited scope regime
  • Overview of new staff categorisations

 

Senior Managers Regime

  • SMF categories
  • Prescribed responsibilities
  • Statement of responsibilities
  • Management responsibility maps
  • Duty of responsibility
  • Reasonable steps

Workshop

  • Map your own company statements of responsibility
  • Map your own responsibility map (Core & Limited)

 

Certification Regime

  • Significant harm functions
  • Fitness and Competency checks
  • Annual assessments
  • Self-certification
  • When to asses Fitness & Propriety
  • Regulatory references and why they need to be accurate

 

Conduct Rules

  • Individual conduct rules, what are they and how do they apply
  • Tier 2 Conduct rules for SMFs
  • Reasonable steps for SMFs

 

Breach Reporting

  • The link between disciplinary issues and conduct rule breaches
  • Breach reporting obligations to the FCA

 

What we can learn from Phase 1 of the banking roll out

  • What we can learn from banking experience to date
  • Transitioning to the SMCR
  • Taking Action

 

Background of the Trainer

Course Director

Lee has worked with a range of organisations from small start-ups through to FTSE100 companies, many that have had difficulties identifying and managing conflicts of interests, and helped them develop effective, robust systems. He has adapted his experience to develop this course and supporting materials with the practical skills-based focus. Lee’s skills, qualifications and experience make him ideal for supporting anyone wishing to develop top-class knowledge in the management of conflicts of interests.

Having been a freelance consultant and trainer for twenty years, your course director was appointed as a skilled person in 2012 and has conducted many audits, assessments, roll-outs and change management programmes from complaints programs, conduct risk frameworks, global risk frameworks, as well as having provided regulatory interpretation to investment banks, worked on many risk mitigation programs and set up banks.

 

Course Summary

Originally rolled out to the banking sector in 2016, the Senior Managers and Certification Regime (SMCR) is about to be extended to around 47,000 additional firms.

Beginning with insurance companies, from December 2018, and reaching asset managers and other regulated firms in December 2019.

The Financial Conduct Authority (FCA) is tightening up its rules, replacing the current Approved Persons Regime with the Senior Managers and Certification Regime (SMCR). The regime has already been operating in the banking sector for some time and will this year extend to all within the financial services sector.

This change will affect all FCA regulated firms including non-UK firms with permission to carry out regulated activities in the UK, and it will focus on three key areas:

  1. The Senior Managers Regime
  2. The Certification Regime
  3. Conduct Rules

The implementation date has been set for the 9th December 2019

Target group

  • All staff within authorised firms will be in scope
  • Senior Manager Functions (SMFs)
  • Certified Persons (CPs)
  • Non-approved
  • Also strongly recommended for those who will be directly involved in the implementation; Compliance & HR.

Format

  • Duration is as a half day classroom workshop
  • You can also purchase our 90+ point project plan at 50% discount!

Call us on 0207 097 1434

Or complete the form below

[ninja_form id=7]

PSD2 Regulatory Technical Standards – A Practical Guide

psd2 regulations security measures

PSD2 Regulatory Technical Standards – A Practical Guide & Workshop

A ½ Day Course

The PSD2 Requirements for SCA from September 2019 onwards

 

What Makes This Course Different?

  • We have been delivering training for over 20 years and this is one of our core competencies. We believe we are experts on this topic and having delivered training to a wide range of firms and businesses, we are certain we know the topic as well as anyone in the market place.
  • PSD2 RTS always seems to many to be a nebulous or esoteric subject that is only for board and senior management; we will show you everyday workplace examples or situations.
  • Your course director is a highly successful, qualified and experienced executive who will pass on past experiences and “war stories” generally to enhance the workshop and help bring it to life.
  • We do not use academics. All our trainers are highly experienced professionals with relevant qualifications and vocational experience in the real world.
  • We have delivered many core governance, risk and compliance courses over recent years and have a very clear understanding of what good and bad look like and the consequences, intended or not, of poor decision making.
  • Additionally, participant feedback informs us in both a precise and timely manner what the current dilemmas and challenges are.
  • We have developed highly interactive and very enjoyable case studies to enhance the learning points. All delegates report that these are a high point.
  • We are always judged by our results which speak for themselves and the feedback received from previous delegates has always been excellent.

Course Objectives

  • To be able to identify PSD2 RTS elements effectively in a timely, professional and first-class manner
  • To appreciate the regulators approach to PSD2 RTS and why it is critically important
  • To understand the legal and regulatory framework
  • To recognise the need for potential delays between customer, card issuer, and transaction authorisation due to PSD2 RTS requirements
  • To recognise good practice
  • To avoid lost business because of “timeouts”
  • Be able to define an effective and comprehensive PSD2 RTS category of SCA
  • Learn how to create and apply the best response for the 3 categories
  • Be able to create a clear and auditable method for managing PSD2 RTS to ensure transparency
  • Think like a compliance professional

Course Content

What are “PSD2 RTS”?

What

  • PSD2 RTS Intended Outcome (inc PSD2 RTS Key Date)

o   give customers the freedom to utilise qualified third parties — known as Account Information Service Providers (AISPs) or Payment Initiation Service Providers (PISPs) — to manage their finances

  • Who is impacted?

o   AISPs and PISPs would allow customers to do everything from viewing their account information across multiple banks to making payments — all within one platform. Does your Account Servicing Payment Service Providers (ASPSPs) provide a testing facility and make technical specifications available.

  • Strong Customer Authentication (SCA)?

o   Many retailers, hospitality providers and other types of merchants have very little, or no, understanding of this new requirement.

  • The Requirements

o   Specific action needs to be taken rapidly if you do not already have a SCA programme underway. The deadline will not be changed, and big consequences will be seen if no action is taken.

When

  • The Transactions

o   In order to authenticate a payer securely at least two factors have to be checked and these must come from two of the three defined categories

  • The Defined Categories

o   Knowledge, Possession and Inherence. Each category has a range of valid elements.

  • Face to Face Transactions

o   These have the ‘Possession’ factor and the PIN as a ‘Knowledge’ factor and so there will be less (but not zero) impact. These will be subject to Transaction Risk Analysis.

  • ECommerce Transactions

o   Each card issuer will make their own decision on which factors to use and for their cardholders to perform, so merchants and cardholders should expect different user experiences. What unattended transactions are exempted?

How

  • Risk Solutions

o   Various exemptions will be allowed, and merchants are encouraged to discuss these with their acquirer. We discuss the practical aspects of these elements.

  • Exceptions & Exemptions

o   What exemptions apply and when to use them. Not all transactions will require additional authentication. PSD2 provides a number of exemptions to SCA, which could result in minimising friction, abandoned carts and attrition in the customer payment journey.

  • Transaction Risk Analysis

o   A Transaction Risk Analysis (TRA) exemption is perhaps the most significant and broadly used exemption; when is it best to apply this exemption and how will the analysis be defined?

  • Workshop – SCA Method options.

o   Discussions and desktop exercises to identify testing and suitability of exemptions and SCA application.

Think as a Compliance Professional

  • right information and
  • right process in-place to comply
  • Documented audit trail

Course Conclusion

  • Summary, Open Forum, Wrap up

Background of the Trainer

Course Director

Lee has worked with a range of organisations from small start-ups through to FTSE100 companies, many that have had difficulties identifying and managing changes to legislation, and helped them develop effective, robust systems. He has adapted his experience to develop this course and supporting materials with the practical skills-based focus. Lee’s skills, qualifications and experience make him ideal for supporting anyone wishing to develop top-class knowledge in the management of PSD2 RTS’s.

Having been a freelance consultant and trainer for twenty years, your course director was appointed as a skilled person in 2012 and has conducted many audits, assessments, roll-outs and change management programmes from complaints programs, conduct risk frameworks, global risk frameworks, as well as having provided regulatory interpretation to insurance intermediaries through to investment banks, worked on many risk mitigation programs and set up retail banks.

Course Summary

PSD2 regulations is a staged approach for regulators to deal with the burgeoning array of reg tech apps being developed for a wide variety of reasons. Change on this scale has always appeared as a problem for Senior Management in the past. Following the banking crisis from 2008, and numerous data privacy breaches, as well as major frauds, transparency and clear audit trails have become even more important especially where customer data and third part access is key. PSD2 RTS Management is straightforward but the key element here is time. Work should have started a year or more ago, but if it is conducted in the right way today, you can still be in line to comply by the deadline.

It is the very culture of a firm that makes PSD2 RTS manageable or not. The accurate identification and reliable assessment of the potential impact, along with defined and practical procedures to take account of the new requirements, can make PSD2 RTS management effective, fair and compliant for those who create profits for all our businesses; the customers.

Call us on 0207 097 1434

Or complete the form below


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