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ADULT EDUCATION – EVENING COURSES
Access Award in Bookkeeping Level 1
Access Award in Accounting Software Level 1
Foundation Certificate in Bookkeeping Level 2
Advanced Certificate in Bookkeeping Level 3
Foundation Certificate in Accounting Level 2
Advanced Diploma in Accounting Level 3
BOOKKEEPING & ACCOUNTING COURSES
2021/ 2022
When the courses are available*:
Title: Level When available Duration Eve/time
Access Award Bookkeeping
1 January to May
2022 20 weeks
Monday 6-9 pm
Access Award in Accounting Software (this follows the completion of the Bookkeeping Award Level 1 above
Title: Level When available Duration Eve/time
Foundation Certificate in Bookkeeping
2 September 2021 to
March 2022 23 weeks
Monday 6-9 pm
Advanced Certificate in Bookkeeping
3 September 2021
to July 2022 35 weeks
Monday 6-9 pm
Accounting courses: Title: Level When available Duration Eve/time
Foundation Certificate in Accounting (Accounting Software covered in this course)
2 September 2021
to June 2022 32 weeks
Monday AND Tuesday 6-9 pm
Advanced Diploma in Accounting
3 September 2021
to July 2022 35 weeks
Monday AND Tuesday 6-9 pm
*The date ranges shown above may be subject to change depending upon enrolment numbers –
you will be advised accordingly if there are any changes.
FEES*:
(Fee remission: If you live outside the Greater Manchester Combined
Authority area you may NOT BE entitled to fee remission – please check with
reception staff)
The estimated fees quoted above include any text books, first attempt assessment fees
and AAT registration / course fee. Any resit assessments required are an additional
cost paid prior to a required resit. Once accepted on a course with us, and in order to
complete an AAT course, you will receive a payment code to register with AAT and register yourself onto the course approved to study.
*NB – The rules shown below may be subject to change before your course starts – check at interview.
Cont’d…..
Access Award courses: Title: Level
Fee 19-23 year olds 24+
unemployed 24+ other
Access Award Bookkeeping 1 £185
Low wage: JSA; ESA OR UC or earn less than £18,135 pa – full time contract: No fee to pay
No fee to pay
Fee to be paid by learner
Access Award in Accounting Software (this follows the completion of the Bookkeeping Award Level 1 above
1 £145 As above
Level 2 courses:
Title: Level Fee 19-23 year olds 24+
unemployed 24+ other
Foundation Certificate in Bookkeeping
2 £550
Low wage: JSA; ESA OR UC or earn less than £18,135 pa – full time contract.
First & full level 2#: No fee to pay
No fee to pay
Fee to be paid by learner
Have a full level 2#:
Fee to be paid by learner
Foundation Certificate in Accounting (Accounting Software covered in this course)
2
£725
As above
Level 3 courses:
Title: Level Fee 19-23 year olds 24+
unemployed 24+ other
Advanced Certificate in Bookkeeping
3 £1185
First full level 3##: No fee to pay
N/A
N/A
Has a full level 3##: Fees to be paid by learner or use Advanced learner loan
Fees to be paid by learner or use Advanced learner loan
Fees to be paid by learner or use Advanced learner loan
Advanced Diploma in Accounting
3 £2025 As above
Cont’d….
Key:
#Full level 2 = you already have 5 or more GCSEs at grade C/4 or above OR BTEC level
2.
##Full level 3 = you already have 2 x A levels, 4 x AS levels OR BTEC level 3.
Evidence required if you are eligible for the ‘low wage’ fee remission:
JSA, ESA, OR UC Low Income: Earning less than £18,135 annual gross salary 3 months wage slips or current employment contract to be shown
Printed document proving you receive one of these benefits (Assuming a 37.5 hour week contract with paid statutory holiday entitlement).
You can apply for funding via the Student Loan Service using an Advanced Learner Loan:
To take out an Advanced Learner Loan, you have to have a confirmed place at college.
More information is available upon request or at: https://www.gov.uk/advanced-
learner-loan
When can I apply?
25 October 2021
Access Award in Bookkeeping & Accounting Software
Level 1
10th May 2021:
Foundation Certificate in Accounting OR Bookkeeping Level 2
Advanced Certificate in Bookkeeping Level 3
Advanced Diploma in Accounting Level 3
Application forms will be available from the dates shown above until the course(s) is/are deemed to
be full.
What happens at the initial assessment?
The course will be fully described to you detailing what you can expect to learn and what software
packages you will be using. Depending upon the level you apply for, you will be asked to complete a
short maths/bookkeeping/accounting assessment.
Other materials you may need to complete a course:
If there is a text book recommended by the tutor, this will be available to loan from the Learning
Centre. You will be taken to join the Learning Centre in the first weeks of starting a course.
You will need stationery: pencils, pens, ruler, calculator, pad for notes and a folder if you want to
store handouts safely.
Registering with AAT
In order to complete an AAT course you will have to register with them before the course
commences.
You will be asked to complete a registration form which will include questions about you, your
personal details etc. Once completed you will be asked to pay a subscription fee and will be given an
AAT student registration number/log in.
Please note: The registration questionnaire will also covers questions concerning any bankruptcy,
debt relief, and criminal activities. Depending upon your answers to questions of this nature, you
may or may not be accepted for registration. If you are not accepted for registration you would
unfortunately not be able to complete an AAT course and your enrolment would be declined.
Why study at Aquinas College?
There’s lots of Good Reasons
- We are a modern College with excellent facilities
- We have classrooms housing the latest technology
- There are up-to-date computer suites with the latest software
- Two libraries with dedicated study areas
- Located just off the A6 in Stockport, in easy reach of the motorway and bus routes
- Free Car Parking
- Friendly Staff
- All the books needed to complete the course are supplied
- Our average Level 2 Pass Rate 86%
- Our average Level 3 Pass Rate is 87%
- Feedback from our students is very positive in all aspects of their experience on a course
Cont’d…
About AAT
As the world’s leading professional membership and awarding organisation, AAT is
dedicated to the education and development of accounting and finance professionals.
Founded in 1980, we’ve forged global partnerships to provide internationally-
recognised training, delivering the practical skills professionals need to work in a wide
range of accounting roles.
We have over 130,000 members across 90 countries, delivering training qualifications
for some 70,000 people every year. And at least 25,000 employers are known to have
employed AAT qualified staff.
AAT Support
As part of your subscription, you have access to loads of great resources to help you on your way.
Sign up for a MyAAT account to access exclusive services and resources
Visit AAT social media channels for help and advice from other AAT students
Attend a study support event; they’ll help develop your learning and give you the best foundation to achieve success
Visit AAT forums for accountancy help and advice Interactive tutorials are online sessions that allow you to quickly gain
the knowledge and skills you need AAT’s Excel e-learning allows you to practice the skills that are relevant
to you and develop your understanding of what Excel can do for you as a finance professional
Find out more ….
…. About getting ready for your assessments and access AAT online support
materials at aat.org.uk/support
Why Study AAT Bookkeeping? Good bookkeeping lies at the heart of every great business. Knowing the basics – from sing-entry bookkeeping to financial statements, spreadsheet software and professional ethics – is a sure route to expanding your personal career horizons. On completing AAT Bookkeeping’s qualifications, you’ll be armed with significant financial expertise. Since employers of all types, from small to mid-sized firms to multi-national organisations, actively seek AAT qualified professionals, you’ll be well-placed to explore the exciting career options you’ve always wanted. You even have the option to start your own bookkeeping practice. And if you already have an established business then the skills you’ll learn from AAT Bookkeeping will be invaluable. You could also move on to the globally-renowned AAT Accounting Qualification or AAT Accounting Software.
About AAT As the world’s leading professional membership and awarding organisation, AAT is dedicated to the education and development of accounting and finance professionals. Founded in 1980, we’ve forged global partnerships to provide internationally-recognised training, delivering the practical skills professionals need to work in a wide range of accounting roles. We have over 130,000 members across 90 countries, delivering training qualifications for some 70,000 people every year. And at least 25,000 employers are known to have employed AAT qualified staff.
What the benefits of AAT Bookkeeping?
Specialised, transferable and recognisable career-boosting skills
Expertise to start a healthy business and become a professional bookkeeper
Clear progression to your choice of great careers
Spreadsheet software to enhance your job prospects
Industry-recognised qualification
Flexible computer-based assessments
Stepping-stone to AAT Accounting Qualification or AAT Accounting Software qualifications.
AAT Bookkeeping
Access Award in Bookkeeping (level 1): This qualification is perfect if you are looking to make your first step on the career ladder. It is designed to give you the wider skills needed in every business. The course offers an introduction to the core areas of bookkeeping and consists of one unit and associated assessment covering the role of the bookkeeper and the basic techniques needed to complete simple bookkeeping activities. Success in this short qualification means you’ll be awarded the Level 1 Access Award in Bookkeeping. You could then move onto the Access Award in Accounting Software Level 1 to further your knowledge. This level will suit:
Anyone with no bookkeeping/accounting/business skills but interested in developing their knowledge to progress onto a higher level or to just find out if it really is the career you think you want!
Those returning to work/career change interested in conducting bookkeeping services for local businesses.
Suited for small or micro sized business owners who would like to acquire in-house bookkeeping skills to produce their business accounts.
Those not currently in employment or training looking to acquire skills to get into the workplace.
What you’ll learn on the Award in Bookkeeping: The Award in Bookkeeping consists of:
Bookkeeping terminology
Bookkeeping documents
Sales invoices and credit notes
The daybooks
The cash book and the bank statement
One computer based assessment taken at the end of the course covering all the above.
How long you will study: Award in Bookkeeping: approximately 12 weeks plus assessments – date given at start of course. For this qualifications you can study at Aquinas College in the evenings, part-time and classes generally take place between 6 and 9 pm depending on the level.
How much will it cost: Please refer to the page inside the front cover for costs and timetabling for each course we offer at Aquinas College.
AAT Bookkeeping: Foundation Certificate (level 2)
This qualification is designed to give you a thorough grounding in double-entry bookkeeping and basic accounting practices. Study it as a standalone, or as the natural mid-point between the introductory and advanced bookkeeping qualifications. Success in this qualification means you’ll be awarded the Level 2 Certificate in Bookkeeping. The intermediate level will suit you if:
You’ve completed the introductory level and want to build on your skills
You’re already working in finance and you want an industry-recognised qualification
You’d like to work in bookkeeping with a large finance department or as an independent professional
You run your own business and you’d prefer to do your own bookkeeping
How long you will study: Foundation Certificate: approximately 23 weeks plus assessment weeks – dates given at start of course. For this qualifications you can study at Aquinas College in the evenings, part-time and classes generally take place between 6 and 9 pm depending on the level.
How much will it cost: Please refer to the page inside the front cover for costs and timetabling for each course we offer at Aquinas College.
What you’ll learn on the foundation certificate level 2: The foundation certificate consists of two units: 1. Processing bookkeeping transactions -- Assessed
__________________________________________________________________________________________________________________________
Understanding double-entry bookkeeping, integrating books of prime entry and describing coding system functions __________________________________________________________________________________________________________________________
Understanding discounts and settlement, trade and bulk discount differences __________________________________________________________________________________________________________________________
Preparing and processing customer and supplier invoices and credit notes __________________________________________________________________________________________________________________________
Totalling and balancing a 3-column analysed cash book __________________________________________________________________________________________________________________________
Totalling, balancing and reconciling petty cash records within an analysed petty cash book __________________________________________________________________________________________________________________________
Processing ledger transactions and extracting a trial balance __________________________________________________________________________________________________________________________
2. Control accounts, journals and the banking system
Assessed __________________________________________________________________________________________________________________________
Understanding the purpose and use of control accounts and journals __________________________________________________________________________________________________________________________
Maintaining and using control accounts and the journal __________________________________________________________________________________________________________________________
Reconciling a bank statement with the cash book __________________________________________________________________________________________________________________________
Understanding the banking process and main services of banks and building societies __________________________________________________________________________________________________________________________
Understanding requirements of retention and storage relating to banking documents
AAT Advanced Certificate in Bookkeeping:
(level 3) The Advanced Certificate in Bookkeeping develops existing skills and knowledge to an advanced level for anyone wishing to pursue a career in bookkeeping. The course offers progression for those who already have bookkeeping knowledge a foundation level, either to gain employment in a bookkeeping role or to further study eg: (a professional bookkeeper; a senior bookkeeper; an accounts manager; a ledger manager). The course is open to those who are working and those who are not currently in employment. The advanced certificate level will suit you if:
You’re a practicing or part-qualified bookkeeper who already has a basic knowledge of manual bookkeeping
You’re looking for new finance administration skills to enhance your career prospects
You own a small business and want a basic understanding of computerised accounting.
How long you will study: Advanced Certificate: approximately 35 weeks plus assessment dates given at start of course. For this qualifications you can study at Aquinas College in the evenings, part-time and classes generally take place between 6 and 9 pm depending on the level.
How much will it cost: Please refer to the page inside the front cover for costs and timetabling for each course we offer at Aquinas College.
What you’ll learn on the advanced level The advanced level consists of three units: 1. Advanced Bookkeeping -- Assessed
Double entry bookkeeping
Acquisition and disposal of non-current assets
Prepare and record depreciation calculations
Record period end adjustments
Produce and extend the trial balance ________________________________________________________________________________________________________________________________
2. Final Accounts Preparation -- Assessed
Distinguish between financial recording and reporting requirements of different types of organisation
Explain the need for final accounts/accounting and ethical principles underlying their preparation
Prepare accounting records from incomplete information
Produce accounts for sole traders
Produce accounts for partnerships
Key differences between preparing accounts for a limited company and a sole -trader. 3. Indirect Tax -- Assessed
Understand and apply VAT legislation requirements
Accurately complete VAT returns and submit them in a timely manner
Understand implications for the business of errors, omissions and late filing and payment
Report VAT-related information within the organisation in accordance with regulatory and organisation requirement.
Access Award in Accounting Software (level 1): This qualification is perfect if you are looking to make your first step on the career ladder. It is designed to give you the wider skills needed in every business. The course offers an introduction in computerised accounting. The course enables you to become confident in carrying out routine accounting tasks on any computerised accounting package. Combined with the Access Award in Bookkeeping Level 1, it would enable you to move onto L2 Foundation Certificate in Bookkeeping with confidence. Prior knowledge of using a keyboard is required to enrol for this course as keyboarding skills are not taught. Success in this short qualification means you’ll be awarded the Level 1 Access Award in Accounting Software. This level will suit:
Anyone who is practicing/part qualified in bookkeeping with an existing knowledge of manual bookkeeping.
Those who are unemployed and looking to gain relevant knowledge to conduct finance administration duties on a computerised accountancy package.
Suited for small business owners who would like to acquire the basic understanding of how computerised accounting works.
What you’ll learn on the Award in Accounting Software: The Award in Accounting Software consists of
The benefits and risks of accounting software
Effectively using accounting software One computer based assessment taken at the end of the course.
How long you will study: Award in Accounting Software: approximately 8 weeks plus assessments – date given at start of course. For this qualifications you can study at Aquinas College in the evenings, part-time and classes generally take place between 6 and 9 pm depending on the level.
How much will it cost: Please refer to the page inside the front cover for costs and timetabling for each course we offer at Aquinas College.
AAT Accounting courses:
Level 2 Foundation Certificate in Accounting: The AAT Level 2 Foundation Accounting qualification is an ideal starting point for anyone wishing to pursue a career in accountancy or finance. The purpose of this qualification is to offer grounding in the core accounting knowledge and skills needed to progress either to employment or to further study. It is suitable to younger students or adults returning to work after a break or wishing to change career. It is open to those who are working and those who are not currently in employment. It could also help someone who is already working in an entry-level finance role to progress in their career by offering them development and formal recognition of skills. You will develop accountancy skills in double-entry bookkeeping and basic costing, as well as an understanding of purchase, sales and general ledgers. You will learn to use accounting software and to develop the professional skills and behaviours needed to contribute in the workplace. You will require good communication skills, IT skills and an understanding of the business environment. AAT recommends that you begin your studies with a good standard of English and maths (level 2, functional skills or GCSE).
How long you will study:
32 weeks 6 – 9 pm (plus assessment dates, given at start of the course).
Attend 1 evening each week, term time. For these qualifications you can study at Aquinas College in the evenings, part-time and classes generally take place between 6 and 9 pm depending on the level.
What will this qualification lead to? Once completed you would be ready to progress into a career in business, finance or professional accountancy, or into further education.
An accounts administrator
An accounts assistant
An accounts payable clerk
A purchase/sales ledger clerk
A trainee accounting technician
A trainee finance assistant
Or further education such as:
AAT Advanced Diploma in Accounting AAT Professional Diploma in Accounting
What you’ll learn: The level 2 qualification consists of five mandatory units: 1. Bookkeeping transactions - Assessed Understand financial transactions within a
bookkeeping system Process customer transactions Process supplier transactions Process receipts and payments Process transactions through the ledgers to the
trial balance
2. Bookkeeping controls – Assessed Understand payment methods Understand controls in a bookkeeping system Use control accounts Use the journal Reconcile a bank statement with the cash book
3. Elements of Costing – Assessed Understand the cost recording system within an
organisation Use cost recording techniques Provide information on actual and budgeted
costs and income 4. Using Accounting Software – Assessed Set up accounting software Process sales and purchases transactions Process bank and cash transactions Perform period end routine tasks Produce reports
5. Work effectively in Finance - Understand the finance function within an
organisation Use personal skills development in finance Produce work effectively Understand corporate social responsibility
(CSR), ethics and sustainability within organisations
Synoptic test: If taken this assessment will take knowledge learned from the previous units where you will need to: Demonstrate an understanding of the finance function and the roles and procedures carried out by members of an accounting team (24%) Process transactions, complete calculations and make journal entries (24%) Compare, produce and reconcile journals and accounts (34%) Communicate financial information effectively (18%)
Level 3 Advanced Diploma in Accounting The AAT Advanced Diploma in Accounting covers a range of complex accounting tasks, including maintaining cost accounting records and the preparation of reports and returns. You will learn and master a number of accounting disciplines including financial processes, advanced bookkeeping, final accounts and ethical practices for accountants. The Advanced Diploma is Accounting is suited for: People who have completed the AAT Foundation Certificate in Accounting or the Foundation Diploma in Accounting and Business Unqualified accounting staff who are at an intermediate level and want to develop their accounting skills Employers looking to upskill their staff People looking to change their careers Those who are looking for an A level alternative
How long you will study:
35 weeks attending 2 evenings per week 6 – 9 pm each evening (plus assessments, dates given at start of the course)
For these qualifications you can study at Aquinas College in the evenings, part-time and classes generally take place between 6 and 9 pm depending on the level. This qualification attracts UCAS points as follows: Qualification equivalent GCE A-level grade and UCAS New Tariff total points : AAT Advanced Diploma in Accounting - Level 3: Distinction: A* or 56 Merit: A or 48 Pass: B or 40
What will this qualification lead to? Once completed you would be ready to progress into a career in business, finance or professional accountancy, or into further education.
Accounts Assistant
Accounts Payable and Expenses Supervisor
Accounts Payable Clerk
Assistant Accountant
Audit Trainee
Bookkeeper
Credit Controller
Finance Assistant
Payroll Administrator
Payroll Supervisor
Practice Bookkeeper
Tax Assistant Or further education such as:
AAT Advanced Diploma in Accounting AAT Professional Diploma in Accounting On successful completion of this course, you can also apply for: professional AAT Bookkeeper status (AATQB)
AAT Accounting:
What you’ll learn: The level 3 qualification consists of six mandatory units:
Unit 1: Advanced Bookkeeping Assessment 1.Apply the principles of advanced double-entry bookkeeping 2. Implement procedures for the acquisition and disposal of non-current assets 3. Prepare and record depreciation calculations 4. Record period end adjustments 5. Produce and extend the trial balance
Unit 2: Final accounts preparation Assessment 1. Distinguish between the financial recording and reporting requirements of different types of organisation 2. Explain the need for final accounts and the accounting and ethical principles underlying their preparation 3. Prepare accounting records from incomplete information 4. Produce accounts for sole traders 5. Produce accounts for partnerships 6. Recognise the key differences between preparing accounts for a limited company and a sole trader
Unit 3 : Management accounting: costing Assessment 1. Understand the purpose and use of management accounting within an organisation 2. Apply techniques required for dealing with costs 3. Apportion costs according to organisational requirements 4. Analyse and review deviations from budget and report these to management 5. Apply management accounting techniques to support decision making
Unit 4: Indirect Tax - Assessment 1. Understand and apply VAT legislation requirements 2. Accurately complete VAT returns and submit them in a timely manner 3. Understand the implications for the business of errors, omissions and late filing and payment 4. Report VAT-related information within the organisation in accordance with regulatory and organisational requirement
Unit 5: Ethics for accountants – Synoptic assessment only 1. Understand the need to act ethically 2. Understand the relevance to the accountant’s work of the ethical code for professional accountants 3. Recognise how to act ethically in an accounting role 4. Identify action to take in relation to unethical behaviour or illegal acts
Unit 6: Spreadsheets for accounting - Synoptic assessment only 1. Design and structure appropriate spreadsheets to meet customer needs 2. Use spreadsheet software to record, format and organise data 3. Use relevant tools to manipulate and analyse data 4. Use software tools to verify accuracy and protect data 5. Use tools and techniques to prepare and report accounting information ___________________________________________
Computer Based Assessments (CBA’s): The assessments in this qualification are computer based with a time restriction. Students will be presented with a range of question types and formats in the assessment. These may include multiple-choice questions, numeric gap-fill questions, or question tools that replicate workplace activities, such as making entries in a journal. In some assessments, questions will require a written answer, and this is particularly so in the synoptic assessments. While tasks generally do not have to be completed in a specific order, students are encouraged to proceed through them in the order in which they are presented. Assessment method - Computer based synoptic assessment Marking type - Partially computer/ partially human marked Duration of exam: 2 hours 45 minutes, composed of two components (plus an additional 15 minutes to upload evidence) Results: For computer-marked assessments, provisional results will be available straight after the assessment (or within 24 hours if taken in an evening). Results for assessments that are wholly or partially human marked are delivered within the timescales advertised on the AAT website. Students will be advised on what percentage of the marks available they achieved in their assessments, which will then be used to calculate their grade for the qualification (Distinction, Merit or Pass).
10 Amazing jobs you can get with an accounting qualification:
Yes of course, accounting in general is amazing. But do you realise the range of completely awesome
career paths that become open to you as someone with an accounting qualification?
1 Become a…… fashion accountant: “I mainly deal with sales, invoicing sponsors and fashion
companies that appear at our shows. We organise London Fashion Week and the British Fashion
Awards, among other events. I issue invoices and chase them, as well as making sure our cash flow is
steady.
Part of my job involves going backstage and helping make sure models turn up and designers are
happy. It gets me out of the office and connects me with what the organisation is about. You see the
collections before the rest of the world and meet the celebrities that come backstage.”
2 Forensic accounting: If you’re interested in financial skulduggery and want to fight the good
fight against white collar crime, you may be destined for a role in forensic accounting.
3 Disney Finance: You could work for Disney. Do I really need to explain how brilliant that
would be? The Walt Disney Company has a range of opportunities from helping ensure the
powerhouse behind our favourite childhood memories continue, to delighting future generations.
You will also have a dedicated team of songbirds to bring you your coffee and talking animals will help
with any technical issues (I’d imagine…..).
4 Accounting Software Developer: If you’ve dabbled with computer programming, you could
bring your experience together with a career in accounting software development. Knowing
procedures as well as you do, you could create a revolutionary package that could improve the
working lives of accountants and businesses everywhere – which is pretty awesome.
5 Premier League sports accounting: Combine your two greatest passions and become a
Premier League Accountant. You could work as accounting staff for a team, or maybe have a top
player or two as individual clients. Transfer deadline day will take on a whole new dimension …..
6 Education and Research: You may have bypassed university, but your qualification could still
lead to a life in academia. Teach and inspire a whole new generation of accounting professionals, or
become a researcher and contribute to vital studies on accounting practices and trends.
7 Parliament: If you harbour political passions (or indeed ambitions), you could get a job in a
government department. Who knows, you could make your way to cabinet one day – Justine Greening
Conservative MP is a former accountant.
8 Global Charity finance: To be an accountant in the modern age, you need to be an
international accountant. But instead of going to work for a multi-national corporation, why not put
your global financial knowledge to more philanthropic use? Knowing you are helping a great global
cause to make every penny go further, what could be more rewarding?
9 Corporate Entertainment accounting: Another way to get a taste of Hollywood is to get into
corporate entertainment. Many big acting stars have their own production companies that require
well qualified accounting talent. Rubbing shoulders with the stars and seeing the film production
process from the inside, who said accounting isn’t glamourous?
10 Fintech accounting consulting: Does Silicon Valley or the London tech scene take your fancy?
In the world of new financial technology (fintech), quality accountants are highly sought after. You
could be part of an entrepreneurial in-house team, join a fintech consulting company or work as an
independent consultant.