Digital Payments and Fintech Security Training Course

Participants can compare payment methods and select appropriate rails for defined customer and business requirements.

• Card, ACH, wire, real-time and wallet rail characteristics
• Payment-method selection using reach, cost, speed and certainty criteria
• Cross-border payment routes, correspondent banking and foreign-exchange considerations
• Recurring payments, card-on-file arrangements and merchant-initiated transactions
• Buy-now-pay-later models, credit risk allocation and merchant economics
• Build-versus-buy decisions for payment orchestration and gateway capabilities

Participants can map a payment architecture and identify control points across system interfaces.

• Payment architecture diagrams covering channels, services, data stores and providers
• API request flows between merchant platforms and payment gateways
• Webhooks, idempotency keys and retry logic for reliable payment processing
• Tokenisation boundaries for primary account numbers and customer credentials
• Service-level objectives for authorisation latency, availability and recovery
• Document integration assumptions, dependencies and failure-handling responsibilities

Participants can assess authentication approaches and authorisation controls for different payment journeys.

• Strong Customer Authentication under PSD2 and transaction-risk analysis
• EMV 3-D Secure flows, frictionless decisions and challenge outcomes
• Multi-factor authentication factors, binding methods and account recovery controls
• Risk-based authentication using device, behavioural and transaction signals
• Authorisation response codes, soft declines and retry decision rules
• Step-up authentication triggers for high-risk payment events

Participants can define PCI DSS scope and assign responsibilities for payment data protection.

• PCI DSS v4.0.1 scope identification for cardholder-data environments
• Cardholder data flows, storage prohibitions and retention requirements
• Network segmentation evidence and isolation of payment system components
• Shared-responsibility matrices for merchants, processors and cloud service providers
• Key management controls for encryption, rotation, access and destruction
• SAQ selection, attestation evidence and compensating control documentation

Participants can specify security requirements for payment APIs and customer-facing payment applications.

• OWASP API Security Top 10 risks in payment integrations
• OAuth 2.0, OpenID Connect and scoped access-token controls
• Mutual TLS, certificate pinning and secure service-to-service authentication
• Input validation, schema enforcement and API rate-limiting controls
• Secrets management for API keys, credentials and signing material
• Secure software development lifecycle evidence for payment applications

Participants can evaluate mobile and digital-channel controls that protect payment users and transactions.

• Mobile-wallet token provisioning and device-binding security controls
• Secure enclaves, hardware-backed keys and biometric authentication limitations
• Mobile application threat modelling using STRIDE categories
• Rooted-device detection, runtime protection and tamper-response mechanisms
• Session management, credential stuffing and account-takeover prevention
• Accessibility and customer-support safeguards during authentication failures

Participants can identify payment fraud patterns and prioritise threats using a structured model.

• Card-not-present fraud, account takeover and synthetic identity indicators
• Friendly fraud, chargeback abuse and merchant dispute evidence
• Authorised push payment fraud and social-engineering attack patterns
• Money mule networks, transaction layering and beneficiary-risk signals
• STRIDE threat modelling applied to payment journeys and assets
• Fraud loss measurement using gross loss, recovery and false-positive rates

Participants can design transaction-monitoring rules and decision paths for payment fraud controls.

• Rules engines using velocity, amount, geography and device signals
• Risk scores, decision thresholds and approve-review-decline strategies
• Feature quality assessment for fraud-model input data
• Case-management queues, investigator evidence and escalation service levels
• False-positive reduction through segmented thresholds and feedback loops
• Champion-challenger testing for fraud-rule and model changes

Participants can place sanctions, AML and transaction-monitoring controls within payment processes.

• Sanctions screening points for originators, beneficiaries and payment messages
• Name matching, fuzzy logic and alert disposition evidence
• Anti-money-laundering red flags within merchant and customer transactions
• Know-your-customer data quality and beneficial-ownership verification
• Payment-message fields supporting sanctions and financial-crime investigations
• Escalation routes for suspicious activity and regulatory reporting

Participants can build controls for settlement accuracy, reconciliation and payment exception management.

• Settlement cycles, prefunding requirements and liquidity exposure measurement
• Three-way reconciliation across gateway, processor and bank records
• Exception queues for missing, duplicated and mismatched transactions
• Suspense-account governance, ageing analysis and resolution ownership
• Chargeback accounting, reserve balances and merchant settlement adjustments
• Daily control reports covering volumes, values, breaks and ageing

Participants can manage dispute processes using evidence, time limits and customer-remediation controls.

• Chargeback reason codes, representment evidence and scheme timeframes
• Retrieval requests, pre-arbitration stages and arbitration cost implications
• Customer complaint handling for unauthorised and failed payments
• Root-cause analysis linking disputes to product and control failures
• Evidence retention schedules for transaction, authentication and delivery records
• Dispute dashboards tracking win rates, reasons and financial impact

Participants can prepare response arrangements for payment outages, fraud events and data compromises.

• Business impact analysis for critical payment services and dependencies
• Recovery time objectives and recovery point objectives for payment platforms
• Incident classification for outages, fraud spikes and data breaches
• Runbooks for processor failure, duplicate payments and settlement disruption
• Customer communications during payment incidents and service restoration
• Post-incident reviews using timelines, root causes and corrective actions

Participants can assess cloud control requirements and govern sensitive payment data appropriately.

• Cloud shared-responsibility models for payment workloads and sensitive data
• Data classification for cardholder, personal, transaction and authentication data
• Encryption in transit, encryption at rest and key-custody decisions
• Access reviews using least privilege and segregation-of-duties principles
• Logging requirements for payment events, administrative actions and investigations
• Data residency, retention and deletion controls for payment records

Participants can assess fintech providers and define contractual controls for payment services.

• Vendor due diligence covering financial viability, security and operational capability
• SOC 2 reports, penetration-test evidence and control-gap assessment
• Contract clauses for data processing, audit rights and incident notification
• Subprocessor disclosure, concentration risk and exit-plan requirements
• Service-level agreements for availability, support and transaction-processing performance
• Ongoing monitoring through assurance reviews, incidents and performance metrics

Participants can establish governance, oversight reporting and assurance evidence for payment operations.

• Payment governance structures defining accountable owners and decision rights
• Risk appetite statements for fraud loss, outages and compliance breaches
• Control self-assessments using process owners and evidence standards
• Key risk indicators for fraud, availability, reconciliation and vendor performance
• Internal audit testing of payment controls and issue remediation
• Board reporting on payment risk, incidents and control effectiveness

Participants can use payment data to assess operational performance, risk and commercial outcomes.

• Authorisation-rate analysis by issuer, channel, geography and payment method
• Payment conversion funnels from checkout initiation through successful settlement
• Fraud-rate segmentation by customer, merchant, device and transaction type
• Cost-of-acceptance analysis using fees, declines and operational exceptions
• Cohort analysis for recurring-payment retention and involuntary churn
• Dashboard design linking customer outcomes, risk indicators and financial measures

Participants can assemble a risk-based control design for a new or existing payment service.

• Control matrices linking payment risks, objectives, owners and evidence
• Inherent-risk assessment before control selection and residual-risk acceptance
• Preventive, detective and corrective controls across payment process stages
• Control testing procedures for design effectiveness and operating effectiveness
• Prioritised remediation roadmaps using risk, effort and dependency criteria
• Executive decision papers presenting control gaps, options and recommendations

Participants can build, review and present a complete payment security and control plan for a defined payment service.

• Define payment service scope, customers, channels and transaction volumes
• Map payment flows, systems, data assets and external dependencies
• Assess fraud, security, operational and third-party risks using evidence
• Specify authentication, monitoring, reconciliation and incident-response controls
• Prepare implementation priorities, ownership, milestones and assurance metrics
• Present the plan for peer review and management-level challenge