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Bank Accounts and Payment Methods
Every banking transaction affects the quality of service you provide. Understand how accounts and payment methods work so you can explain solutions, handle requests and identify points that require attention. Build confidence in your conversations with retail banking customers.
- Duration
- 3 days 21 hours
- Code
- FMB10FR Code
Presentation
Banking courses develop the knowledge and skills needed across the diverse banking professions. This three-day course on bank accounts and payment methods focuses on the retail banking market.
Note: additional modules on Compliance, Professional Ethics and Risk Prevention and Getting to Know the Customer can be added on request.
Objectives
Operational objectives:
- Understand the banker's responsibilities when carrying out basic banking transactions.
- Know the customer to develop the commercial relationship and control risk.
- Open and manage accounts professionally in the interests of both the customer and the bank.
Program
BANK ACCOUNTS
The challenges of expanding access to banking
- Trends and market shares.
- Strategic, economic and commercial challenges.
- An intuitu personae contract, based on the identity of the contracting party.
The bank account
- Definition.
- The account provider's contractual obligations.
- Different types of accounts.
Opening an account
- The banker's obligations and responsibilities.
- Legal identification.
- Prudential and financial assessment.
- The commercial approach.
- Technical aspects.
Operating an account
- Power of attorney.
- Customer relationship and risk monitoring.
- Handling incidents.
Closing an account
- Closure initiated by the bank or the customer.
- Risk and customer relationship management during closure.
PAYMENT METHODS
Increasing use of payment methods
- Comparative use of different payment methods.
- Statistics, trends and market shares.
- Commercial approach and sales arguments.
Cash
- Transactions carried out by the banker.
- Managing and preventing risks.
Cheques
- Definition and different types of cheques.
- How cheques work and move through the banking system.
- Formal requirements.
- Processing cheques for payment and collection.
- Stop-payment instructions and insufficient funds.
- Risks and the banker's responsibilities.
Bank cards
- Definition and different types of cards.
- How cards and card networks work.
- Risks and the banker's responsibilities.
Direct debits and credit transfers
- Definitions.
- How credit transfers work and are processed.
- How direct debits work and are processed.
- Developments in the technical and regulatory framework, including SEPA.
Other associated services
- Payment protection insurance and legal assistance.
AML/CFT
Combating money laundering and terrorist financing
- The challenges.
- Principles: due diligence and reporting.
- The banker's obligations when establishing a relationship and operating an account.
Audience
This course is intended for banking staff who work with retail customers.
Prerequisites
None.
Teaching and assessment methods
- Initial skills assessment
- Training materials provided to participants
- Continuous assessment throughout the course
- End-of-course feedback questionnaire
- Combination of theory and practical application
- Attendance records
- Post-course follow-up evaluation
- Practical exercises
Dates and sessions
Choose the date and delivery format that suit you.
No upcoming sessions are currently available.