Fintech Regulatory Compliance Training Course

Participants can create a structured inventory of regulatory obligations for a fintech service.

• Sources of requirements: laws, rules, guidance, licences and contractual commitments
• Jurisdiction mapping for customers, entities, data processing and service delivery
• Obligations inventory fields: requirement, applicability, owner, evidence and review date
• Translating legal requirements into operational control statements
• Regulatory change management from horizon scanning through implementation verification
• Cross-border services assessed against solicitation, localisation and passporting restrictions

Participants can define governance structures, accountability and escalation routes for fintech compliance.

• Three-lines model applied to fintech product and operational controls
• Board, senior management and compliance officer accountability requirements
• Compliance committee terms of reference, decisions and action tracking
• Risk appetite statements linked to financial crime and conduct exposure
• Escalation thresholds for breaches, control failures and emerging regulatory risks
• Management information packs using key risk and control indicators

Participants can perform a documented regulatory risk assessment and prioritise treatment actions.

• Inherent risk assessment using products, customers, channels and jurisdictions
• Residual risk scoring after control design and operating-effectiveness assessment
• Risk and control self-assessment methodology for regulated fintech processes
• Control gaps prioritised by impact, likelihood, urgency and remediation ownership
• Risk registers documenting causes, events, consequences and treatment plans
• Scenario analysis for product failure, fraud spikes and regulatory intervention

Participants can design a risk-based AML/CFT programme for a fintech business.

• FATF risk-based approach applied to digital financial services
• Enterprise-wide AML/CFT risk assessment inputs and documented rationale
• AML/CFT policy architecture, governance, training and independent review
• Customer, product and geographic risk factors for fintech firms
• Suspicious activity reporting governance, confidentiality and recordkeeping requirements
• Correspondent relationships and nested payment risks assessed through due diligence

Participants can specify compliant customer onboarding and customer due diligence controls.

• Customer identification and verification requirements for remote onboarding
• Risk-based due diligence tiers for individuals, businesses and beneficial owners
• Beneficial ownership identification using ownership, control and verification evidence
• Electronic identity verification controls, liveness checks and exception handling
• Politically exposed person screening, approval and enhanced due diligence
• Ongoing customer due diligence triggered by profile and behaviour changes

Participants can establish sanctions screening and escalation controls for fintech transactions.

• Sanctions programme components: governance, screening, escalation and audit trails
• Customer and beneficial-owner screening against applicable sanctions lists
• Payment screening logic for parties, banks, vessels and geographic indicators
• Name-matching calibration using false-positive and false-negative analysis
• Sanctions alert investigation records, decisions and release controls
• Asset-freeze obligations, reporting deadlines and prohibited dealing restrictions

Participants can design transaction-monitoring scenarios and suspicious activity escalation procedures.

• Transaction-monitoring scenarios aligned to customer and product risk assessments
• Threshold rules, behavioural analytics and typology-based scenario design
• Alert disposition workflow from investigation through case closure
• Investigative narratives supported by customer, transaction and external information
• Suspicious activity reports prepared with clear facts and chronology
• Quality assurance sampling for alert handling and reporting decisions

Participants can identify core compliance controls for payment products and customer funds.

• Payment service roles: issuer, acquirer, gateway, processor and agent
• Customer-fund safeguarding models, reconciliations and shortfall escalation
• Payment authentication requirements and strong customer authentication controls
• Unauthorised transaction handling, refunds and customer liability rules
• Payment complaints procedures, service standards and root-cause analysis
• Merchant due diligence and prohibited merchant category controls

Participants can embed fair customer treatment requirements into fintech product governance.

• Target-market assessment using customer needs, vulnerabilities and product features
• Fair-value assessment for fees, pricing, incentives and ancillary services
• Plain-language disclosures for digital terms, risks and customer consent
• Dark-pattern identification in user interfaces, prompts and cancellation journeys
• Complaints taxonomy, root-cause analysis and remediation governance
• Product approval committees reviewing conduct risks before release

Participants can assess data-processing risks and define privacy control requirements.

• Data inventory mapping collection, use, sharing, retention and deletion
• Lawful processing grounds, consent records and privacy notice controls
• Data minimisation applied to onboarding, analytics and fraud prevention
• Privacy impact assessments for high-risk personal-data processing
• Cross-border transfer assessments, contractual safeguards and vendor obligations
• Data-subject request workflows, identity checks and response deadlines

Participants can define compliance oversight for cyber risks, resilience and reportable incidents.

• NIST Cybersecurity Framework functions mapped to fintech compliance responsibilities
• Operational resilience tolerances for critical customer-facing services
• Incident classification using impact, materiality, data and service criteria
• Regulatory incident notifications, timelines, approvals and evidence preservation
• Business continuity plans tested against payment and platform outage scenarios
• Post-incident reviews documenting root causes, actions and control improvements

Participants can assess third-party arrangements and establish proportionate oversight controls.

• Outsourcing materiality assessment using service criticality and substitutability
• Due diligence covering financial strength, controls, resilience and compliance history
• Cloud-service risk assessment for data, access, concentration and exit
• Contractual clauses for audit rights, incidents, data and subcontracting
• Banking-as-a-service oversight of programme managers and customer-facing partners
• Vendor monitoring dashboards, assurance reports and remediation follow-up

Participants can assess financial crime and conduct risks associated with crypto-asset services.

• Crypto-asset service models: exchange, custody, transfer and token issuance
• Wallet risk assessment using hosted, unhosted and intermediary characteristics
• Travel Rule data requirements, transmission controls and exception management
• Blockchain analytics indicators for sanctions, scams and illicit finance
• Source-of-funds and source-of-wealth reviews for elevated crypto risk
• Market-abuse surveillance risks in token trading and listing processes

Participants can assess compliance risks arising from artificial intelligence and automated decisions.

• AI use-case inventory covering onboarding, fraud, credit and customer service
• Model risk assessment for bias, explainability, drift and human oversight
• Automated decision controls for adverse actions and customer appeals
• Training-data governance, provenance testing and restricted-data handling
• Model validation evidence, performance thresholds and approval authorities
• Generative AI controls for confidential data and customer communications

Participants can develop a compliance monitoring plan and test controls using documented evidence.

• Compliance monitoring plan built from risk ratings and regulatory priorities
• Control testing design using populations, samples, criteria and evidence
• Walkthroughs tracing controls from policy requirement through operational execution
• Issue grading based on impact, root cause and recurrence
• Corrective action plans with owners, milestones and validation requirements
• Second-line reporting of monitoring results and overdue remediation

Participants can prepare for regulatory examinations and manage formal supervisory communications.

• Regulatory examination readiness through document inventories and accountable owners
• Information requests logged, validated, approved and delivered within deadlines
• Supervisory meeting preparation using factual briefings and decision records
• Regulatory findings analysed for root cause, scope and remediation
• Commitment registers tracking promises made to regulators and completion evidence
• Dawn-raid and inspection protocols for records, interviews and legal escalation

Participants can build, review and present a complete compliance plan for a defined fintech product and jurisdiction.

• Define product scope, customer segments, jurisdictions and regulated activities
• Compile an obligations inventory covering licensing, conduct and financial crime
• Complete risk assessment scoring inherent risk, controls and residual exposure
• Construct control matrix with owners, evidence, frequency and testing method
• Prepare monitoring plan, incident workflow and management information pack
• Present compliance plan for peer review and senior-management challenge