3-in-1 Banking, Banking Risk and Compliance Masterclass

3-in-1 Banking, Banking Risk and Compliance Masterclass

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What you’ll learn:
  • You’ll learn about the business models of banks – how they make money at the end of the day
  • You’ll learn about the different debt and deposit products that banks provide
  • You’ll learn about the different risks that banks must manage, as well as regulations they must comply with
  • You’ll learn about the main accounting, capital and risk management considerations in bank operations
Description:

BANKING ON BANKING KNOWLEDGE

If you’re considering a banking career path, you probably know it will be profitable, regardless of the specific function within it.

But if you want to understand how banks work, there is a lot of knowledge to be consumed.

You must understand about how banks make money, what risks they manage, what regulations they comply with, and much more.

You have to really master banking knowledge.

You will find that most courses don’t cover all dimensions of banking. They focus on credit analysis only. Or on risks only.

You couldn’t really find a course that included all different areas of banking in one unified place.

… that is, until this course came along.

CRACKING THE BANK OPEN

Unlike other courses, focusing on specific components of a bank’s business model (just digital banks, just investment banks), you’ll find this course covers the banking industry as a whole, including all of its different components.

And I mean ALL of them!

You’ll find this comprehensive course divided into seven main modules:

  • You’ll first know about the Fundamentals, where we cover what is banking, different types of banking (digital banking, retail banking, investment banking, central banking), as well as the essentials of lending, capital and reserves, and some key acts and regulations;
  • Then you’ll find the Banking Business Models module, where we will cover how banks make money, their types of income and expenses, types of capital, and accounting considerations;
  • The you’ll find the Bank Products module, where we will cover the most frequent bank debt and deposit products that are offered, as well as some considerations on how bank product marketing is done;
  • You’ll then get to know about the Loan Agreements module, where we will dissect credit agreements in terms of lending. We’ll clarify covenants, representations, definitions such as what is “debt” or what is “EBITDA”, and more;
  • You’ll later come to the Banking Risk Management module, where we will cover the most relevant types of risks for banks, both extensively (from liquidity risk to cyber risk, conduct risk, counterparty risk and many others), as well as the two key ones: credit risk and interest-rate risk;
  • Finally, you’ll find the Banking Compliance 

LET ME TELL YOU… EVERYTHING

Some people – including me – love to know what they’re getting in a package.

And by this, I mean, EVERYTHING that is in the package.

So, here is a list of everything that this course covers:

Fundamentals of Banking

  • You’ll learn about the basic definitions of banks, as intermediaries between loans and deposits, making money mostly from the net interest income (NII) – the difference between interest earned and paid
  • You’ll learn about the relationship of banks with other financial institutions, such as having brokerage or asset management divisions with banks, as well as their comparison with private lenders in the lending space;
  • You’ll learn about multiple “banking” terms, including central banking, fractional banking, challenger banks, digital banks or correspondent banks, as well as what each means;
  • You’ll learn about the key acts and regulations that have affected banks historically, including Glass-Steagall, Sarbanes-Oxley, Dodd-Frank, and the Basel accords;
  • You’ll learn about the key activities in banking, from lending/debt extension for individuals or companies, cash management and treasury services, private banking and wealth management services, and capital markets activity (including both trading and brokerage/underwriting activities), as well as the split of these activities into two major dimensions: investment banking and retail/commercial banking;
  • You’ll learn about the different types of funding from depositors, including retail depositors (the most frequent and “cheaper” source), wholesale deposits, wholesale debt, and equity, as well as the consequences of each in term of both liquidity and funding costs;
  • You’ll learn about the three main types of bank revenue (interest income, fees and commission and capital market income) as well as their three main sources of expenses (operational costs, funding costs and loss reserves);
  • You’ll learn about the maturity transformation process (transforming short-term deposits into long-term loans) and its consequences on Net Interest Income (NII);
  • You’ll learn about the two tiers of capital that banks have, as well as the usually enforced ratios between Tier 1 and Tier 2 capital;
  • You’ll learn about the “trading book” and the “banking book”, two balance sheets with two different accounting philosophies due to the different nature of their assets;
  • You’ll learn about the main types of debt instruments provided by banks, including term loans versus RCFs (Revolving Credit Facilities), and the subtypes of RCFs (including overdraft facilities, liquidity facilities), Asset-Based Lending (ABL) – usually used for inventory finance or Accounts Receivable (A/R) finance, including factoring – as well as trade finance solutions (Letters of Credit or L/Cs, PO finance and forfaiting), project finance, money market facilities and leases, as well as the inner workings of syndicated loans;
  • You’ll learn about the main types of deposits provided by banks, including checking accounts (also known as MTAs or Money Transfer Accounts), savings or timed deposits, and structured deposits (with an investment component);
  • You’ll learn about the challenges of bank product marketing, due to lack of differentiation in product performance (as well as lack of clarity in product performance), the lack of attractiveness to consumers, as well as new technological changes pushed by digital banks;
  • You’ll learn about loan agreements/credit agreements in general, including specific sections such as conditions precedents, the commitment, representation and warranties, the definitions used, and, the most “famous” components – the covenants;
  • You’ll find out more about the two types of macro-prudential structural reforms to either prevent banks from becoming TBTF or winding them down gracefully if they go bankrupt: Ex ante approaches (while banks are still a going concern, e.g. Volcker Rule, Vickers report “ringfencing”) and ex post approaches (when banks are a gone concern, e.g. resolution plans and orderly liquidation procedures);
  • You’ll learn more about the four key areas of consumer protection regulation (fairness in lending, transparency on deposit products, preventing Unfair/Deceptive/Abusive Acts or Practices or UDAAPs, and privacy/information protection), as well as what each entails;
  • You’ll get to know more about anti-crime regulation, including the 3 main disciplines of Know Your Customer or KYC, Anti-Money Laundering or AML, and Counter-Financing of Terrorism or CFT, as well as what each demands. You’ll also learn more about the 2 key types of reports in AML, which are Currency Transaction Reports or CTRs and Suspicious Activity Reports or SARs, and the four key pillars of robust AML compliance (internal controls, independent auditing, existence of an owner, and employee training);
  • You’ll learn more about banking payment regulation, including both legal regulation such as the Payment Services Directive 2 or PSD2, and the 3-Domain Secure or 3D Secure directives, including functionality such as “strong authentication” or sharing of information between issuer bank and acquirer bank, as well as industry regulation such as the Payment Card Industry Data Security Standards (PCI-DSS), as well as a brief overview of their 12 requirements (as of version 3.2.1.);
Who this course is for:
  • You’re a current or prospective banking professional, wanting to know more about the industry
  • You’re a risk management or compliance professional looking to enter the finance industry (or expand your knowledge)
  • You’re just someone who wants to know more about the banking industry!

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