Target Audience

Freshers who want to make a career in compliance area in BFSI sector

Training Objective

Focus of the program is to get an understanding of banking & banking compliance requirements, data requirements for these initiatives and technology architecture required for these initiatives.

Course Methodology

It will include power point presentations, use of white board / PC / Laptops, case studies, question & answers. There will be 4 sessions of 1.5 hours each day excluding lunch / tea breaks. An evaluation test will be conducted at the end of the training session

Draft Training outline

Topic

  1. What is banking
  2. Types of banks
  3. Principles of Banking
  4. Regulatory framework for banking in India
  5. How banks make profit
  6. Risk return trade off

  1. On balance sheet and off-balance sheet lending products
  2. Organization structure for lending
  3. Lending Process flow
  4. Credit appraisal with example
  5. Rating / scoring model with example
  6. Limits & Collateral
  7. Disbursement
  8. Post sanction activities
  9. Regulatory norms for asset classification and provisioning

  1. Bank’s Investments – SLR / Non SLR
  2. Bank’s investments based on holding / trading type
  3. Bond mathematics
  4. Organization structure for investments
  5. Investments Process flow
  6. Regulatory norms for investment valuation and provisioning

  1. Bank’s other assets
  2. Types of deposit accounts
  3. Types of customers
  4. Types of documentation with example
  5. Organization structure for account opening
  6. Process flow for account opening
  7. Regulatory norms for account opening – KYC / AML

  1. Account opening – other services – internet banking, telebanking, ATM / Debit card
  2. Process flow for other services
  3. Bank’s deposit products – Resident / Non-Resident
  4. Process flow for deposits
  5. Regulatory norms for deposit products

  1. Bank’s borrowings
  2. Process flow for borrowings
  3. Other liabilities
  4. Bank’s capital

  1. Interest income
  2. Fees & Commission
  3. Treasury income
  4. Interest expenses
  5. Operating expenses

  1. Income recognition
  2. Non-performing assets & provisioning
  3. Investments & valuation
  4. Other accounting norms

  1. Typical technology components
  2. Data flows

  1. Comparison between 3 banks

  1. Types of regulators – RBI / SEBI / IRDA / Stock Exchange etc
  2. Regulatory expectations from compliance organization
  3. Compliance Management Organization Structure
  4. RBI inspections & compliance

  1. KYC / AML Transaction monitoring
  2. Fraud Risk Management
  3. Cyber risk, information security & data privacy
  4. Conduct risk
  5. Conflict of interest situations
  6. Whistle blower
  7. Sexual harassment
  8. Insider trading & sensitive information
  9. RBI regulatory returns
  10. SEBI & Stock exchange reporting
  11. Board & committee reporting
  12. Learnings from major compliance failures
  13. Evaluation test

These sessions will be part of the program but the day will be decided based on availability of external faculties. The sessions are –

  1. Chief Compliance Officer or Senior Management from Compliance Department – Bank’s organization, systems, process and experience sharing with best practices and case studies
  2. Senior Executives with Banking Supervision – regulatory expectations and gaps identified from regulatory inspections