The Principles of Banking Certificate Program offers a comprehensive
look at the banking industry. This certificate is ideal for employees
new to banking and those looking to enrich their understanding of how
a bank is structured, operates financially, serves its customers and
community and stays safe and compliant.
The Principles of Banking Certificate Program consists of 12 courses
and takes approximately 7 hours to complete. Each course includes an exam.
This Certificate Program is an online, self-paced program which
provides a certificate of completion and does not require continuing
education. It is not the same as ICBA’s certification programs, which
are instructor led and require continuing education in order to
maintain the specific designation.
The Principles of Banking Certificate Program is
available
for bank-wide use (unlimited number of learners) and
on an individual basis. Purchasing an Individual Certificate Program
grants access to the person who has logged into the ICBA website to
purchase. It cannot be transferred to another user.
Courses:
Banking Landscape: The banking landscape has changed
dramatically over the course of the history of the United States.
Banks play an important role in the community and the economy. In
this course, you’ll learn a brief history of banking, review how a
bank works and discuss how banks are influenced by its employees,
customers, competitors and regulators.
Bank Structure: Banks have a unique structure due to
their role as a financial intermediary, regulatory requirements and
role in the community. There are important decisions to make when
organizing a bank and thinking about the services your bank will
provide. In this course, we’ll learn about the unique structure of a
bank as a financial intermediary.
Banking Finance: Bank financial statements are widely
used by bankers, shareholders,employees, competitors and regulators to
review the success and health of the bank. We’ll break down some of
the basics to give you a better understanding of those financial
statements and how a bank balances its role of making money for
shareholders, managing risk and serving the community on a day to day basis.
Banking Products & Services: Part 1: This course
will review a variety of deposit and loan products that the bank
offers. We’ll discuss the processes that go into opening these
accounts. We’ll also review Trust and Wealth Management products that
banks offer.
Banking Products & Services: Part 2: This course
expands on the traditional products discussed in the course Banking
Products and Services: Part I and reviews a number of electronic and
non-electronic banking products and services.
This course reviews traditional banking, cash management (also called
treasury management), and international banking services offered by
community banks. This course discusses the many different types of
payment methods used by customers including cash, checks, cards,
electronic payments and mobile wallet.
Federal Deposit Insurance Corporation (FDIC): The
Federal Deposit Insurance Corporation (FDIC) is a U.S. government
agency that exists to protect the money people put into banks. This
course discusses the basic functions of the FDIC, the rules that apply
to different types of deposits, and how to ensure that bank policies
and procedures are in compliance with FDIC regulations regarding
deposit insurance.
Product Knowledge & Cross-Selling: As a frontline
employee, you are often called upon to open a new account. In this
situation, you need an excellent understanding of your bank's products
and services.
You have to be able to answer questions. And, of course, you want to
provide the best possible customer service. In this course, we will
look at how knowledge of your bank’s products and services will help
you meet customer needs and build strong customer relationships.
Compliance Laws & Regulations: Banking laws and
regulations have existed for nearly a century. It is important bankers
are aware of these regulations in order to follow the banks policies
and procedures for complying with the rules. In this course we’ll
discuss compliance laws and regulations related to deposit accounts,
loans, fair lending, the Bank Secrecy Act and other general areas of banking.
CAMELS:The Uniform Financial Institution Rating
System (UFIRS), more commonly known as CAMELS rating, is an internal
rating system used by the banking regulators for assessing the
soundness of financial institutions on a uniform basis. The system
also helps identify institutions requiring closer supervisory
attention. This course describes each of the six components of the
CAMELS rating and the principal evaluation factors that relate to each component.
Safeguarding Customer Information: This course will
review the role of banks in protecting its customer’s financial
information. We’ll look at what is considered nonpublic personal
information, the places that you are exposed to this information and
the steps you and your bank take to protect it.
We’ll look at processes that are in place within your bank office,
and your online and mobile banking to safeguard information. In
addition, we’ll review processes that your bank takes to safeguard its
own assets and the economy.
Physical Security: Banks are responsible for putting
in place controls to protect personnel, assets, hardware, programs,
networks and information from physical circumstances and events that
could cause loss or damage to the bank or its customers. This course
will discuss an overview of the bank’s security program, physical
security controls put into place at a bank, robbery and other
violence, and disaster recovery programs.
Banking Fraud: This course will review different
types of fraud that affect the banking industry. It will discuss
counterfeiting, check fraud, identity theft, insider fraud, elder
abuse and cybercrime. Included are steps the bank may take to prevent
customer fraud along with resources to assist its customers in
prevention and identity theft recovery.
