CCPP Prospectus / 1www.retailbanking-academy.org

CERTIFIED CARDS & PAYMENTS PROFESSIONAL

Prospectus 2018

IMAGINE A WORLD WHERE...

Retail bankers are trusted professionals.They are professionally educated, have passed challenging examinations and keep up to date through continuing professional education programmes.

Retail bankers are dedicated to doing what is best for clients.Bank staff are well-educated and rewarded for the quality of service they provide over time.

Retail bankers abide by a strict code of ethics.They place the interests of the customer before their own interests.

The Retail Banking Academy® believes that retail banking should be a recognised profession like accountancy and law.

It is not a distant dream for a sector that has yet to develop – retail banking is already the main source of bank profits in most countries, as The Economist explained in its May 2012 Retail Renaissance survey.

Retail banking is the future – and the RBA is dedicated to making it an admired and respected profession of international repute.

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The need for education and training in the cards and payments sector worldwide has never been greater

In the developed cards markets of Europe, the Americas, Australia, South Africa, and parts of Asia where growth is now back on the agenda there is a great need to re-invest in people in areas like product management, marketing and sales, risk management, cards operations, IT and systems – as well as quality, performance management, people management, MIS and reporting and the vital area of compliance. Staff resources that were inevitably depleted during the global financial crisis now need to be re-built, fast.

In the emerging and developing markets that are now ripe for credit and other payment cards - such as much of Africa and parts of Asia - cards resources are almost non-existent. They can only be created through education and training.

The cards and payments business is unique owing to its specialised nature and dynamic technology-dependent operational rhythm. Unlike other conventional retail banking and consumer financial services products, cards is

a standalone business that traverses divergent sectors - retail banking, retailing, e-commerce, SMEs, corporates, remittances, P2P, airlines, FMCG and many other areas.

The credit card is the most popular unsecured lending product in the world.

• covers all aspects of the cards industry across three levels has been designed by seasoned cards industry professionals

• will enable participants to apply their knowledge

• draws upon real industry scenarios and live portfolios managed by experienced professionals

• is tailored to fit all levels of employees – from entry level to senior executive

• is divided into modules that are both horizontally broad and vertically deep to provide in-depth training on all aspects and functions of a cards and payments business.

• is relevant for cards business of all sizes and geographies

• covers both Issuing and Acquiring

• will enable participants to apply their knowledge immediately in their day-to-day work

The Certified Cards and Payments Professional qualification is a unique professional distinction in cards and payments knowledge and expertise that covers all the elements in the industry.

Unique benefits of the our programme:

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RBA works with leading banks across the globe,with candidates in over 100 countries.

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RBA works with leading banks across the globe,with candidates in over 100 countries.

• A basic understanding of the core parameters, features, services, processes, management best practices and metrics that form the crux of a cards business.

• A sound understanding of the key drivers of growth and risk.

• The decision areas of the cards business that define the operating environment.

• An initiation to the unique features and concepts of Issuing and Acquiring in order to provide a comprehensive overview across the different aspects of the cards industry.

• Candidates will learn about the key tools and techniques that can be applied practically in their work environment.

Learning outcomes:

Cards and Payments ICards and Payments I provides a broad overview and coverage of the entire lifecycle of all types of payments cards: credit cards, debit cards, prepaid cards, corporate cards, and mobile payments. Once you have successfully completed this level of examination, you can use the designation ACP I after your name.

1. Card Business

2. Card Marketing and Sales

3. IT and Systems

4. Cards Operations

5. Card Risk Management

6. Support and Ancillary Services

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Cards and Payments II is a specialised programme focussed on the key areas of the cards industry. Once you have successfully completed this level of examination, you can use the designation ACP II after your name.

• A detailed exposure and training on how to launch and manage a profitable credit card, debit card, prepaid card and corporate card/purchasing card business; with focus on the key areas of service delivery and features in the card life cycle.

• A hands-on insight on how to conceive and execute winning Sales and Marketing strategies that address disruptive and competitive challenges.

• An insight on how to set up and manage a world class operations and servicing infrastructure which will enable the business to have a competitive edge and ensure delivery of all the promises laid out to the customer.

• An overview of the types of fraud that exist and review fraud best practices that have proven effective for Issuers in reducing their fraud losses and optimising the revenue and profit generated from their cards portfolios.

• A comprehensive understanding of all the systems and software/hardware across requirements of 24x7 functioning of all channels of card products and current best practice in card technology, security and data protection.

• An understanding of the lifecycle of credit card risk management and a clear understanding of the risk management best practices and metrics that need to be tracked and measured in the industry.

Learning outcomes:

Cards and Payments II1. Product Management

2. Sales and Marketing

3. Issuing Operations and Systems

4. Acquiring Operations and Systems

5. Fraud

6. Credit Risk

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Cards and Payments IIICards and Payments III is focussed on the strategic leadership and profitable management of the cards business. Once you have successfully completed this level of examination, you are certified and can use the designation CCPP after your name.

1. Profitability and Delivery 2. Business Strategies

3. Leadership and Organisation Structure

4. Managing Competitive Challenges

5. Balance Sheet Management and Regulatory Constraints

• Advanced insights into managing a cards business profitably - strategies for product development, features and benefits to differentiate your business.

• The knowledge on how to set up a functioning infrastructure and operating rhythm that keeps you ahead of competition.

• The ability to set up a breakneck pace of growth; but manage risk smartly and also stay within the rules of the game set by regulators and external environment.

• The understanding to enable you to set up a world class cards organisation that delivers best-in-class service and innovative features for cardholders and merchants.

• Insights from our renown faculty who have built enormously profitable card businesses in challenging circumstances.

• Intensive sessions to provide address the toughest of challenges faced by your cards business, broken down into specific strategic design and execution.

Learning outcomes:

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RETAIL BANKINGACADEMY®

BECOMING A CERTIFIED CARDS AND PAYMENTS PROFESSIONAL

We recommend candidates have a bachelor’s, or equivalent degree, or have the equivalent professional work experience accrued prior to enrolment.Academy certification, is attained upon successful completion of three programme levels, each culminating in a an exam. The right to describe yourself as a Certified Retail Banker and the use of the CRB designation is attained with an annual subscription to RBA Membership.

For more details please visit www.retailbanking-academy.org, alternatively, you can email us with questions directly on contact@rb-a.org

6-13 Months

6-13 Months

CP IEXAM

CP IIEXAM

CP IIIEXAM

ENROLMENT

6-13 Months

Becoming a Certified Cards and Payments Professional will send a powerful message to your customers, colleagues and the regulators that you are committed to maintaining the highest standards of professionalism in your role. It will also provide you with an unmatched international network of fellow professionals and an unparalleled research resource that you can access at any time.

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COMPETENCY FRAMEWORKThe Retail Banking Academy®’s purpose is to help consumers optimise their financial situation over their lifetime. The Retail Banking Academy has developed a competency framework to enable organisations in support of this purpose to:

• Develop a defined vision and implementation strategy that gains the commitment and engagement of all employees.

• Implement an ethical values-based culture that is able to deliver excellent customer service.

• Attract, develop and retain the right people which is a key competitive, sustainable advantage.

• Determine the needs and preferences of its customers.

• Develop solutions to meet the customer needs.

• Enhance the brand and attract customers through effective marketing.

• Deliver solutions in a customer friendly/focused way.

• Optimise the service culture of the bank.

• Achieve operational excellence by applying the principles of organisational effectiveness.

• Implement a governance structure that optimally serves all stakeholder interests.

• Implement the measures to fulfill prudential responsibilities and sustainability of the bank.

• Direct the bank to act within the regulatory constraints of risk management.

• Implement management information systems with relevant KPIs to maximise performance.

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BOARD DIRECTORS

Michael Lafferty founded the Lafferty Group in 1981 when he left the Financial Times, where he had been responsible for coverage of the banking industry. A chartered accountant and fellow of the Institute of Chartered Accountants in England and Wales, he previously worked on the paper’s LEX team, the City Desk and had been an accountancy correspondent. The Lafferty Group has come to occupy a pre-eminent position in the international financial services industry, providing the industry with education, research and intelligence, and councils. Michael is RBA’s Chairman.

Evelyn Hunter is chief executive officer of the Retail Banking Academy®. A graduate of the University of Cape Town and former entrepreneur, she joined Lafferty Group in 2007. Evelyn became Lafferty Group general manager in 2008 and was instrumental in developing its business in the provision of global advanced knowledge services in retail banking in new markets throughout Africa, Asia and the Middle East. During her time at Lafferty Group, Evelyn played a leading role in the early development of the Official Monetary and Financial Institutions Forum (OMFIF). She also served as OMFIF Non-Executive Director from 2010 – 2012. Having developed a comprehensive network amongst international public and private institutions, ranging from central banks, commercial banks and professional services firms, Evelyn together with Michael Lafferty founded the Retail Banking Academy in 2012.

Garry Marsh has over 40 years’ experience in the retail banking industry, 35 of them with Barclays. He worked in the UK for 23 years to 1994, since when he has been primarily in Africa and the Middle East. He has specialised in retail banking since 1986 including executive responsibility at Country, Regional and Pan-Africa levels. Garry also had credit card issuing and card acquiring responsibility as Africa Director for Barclaycard International. Since retiring in 2012, Garry has kept busy with various consulting contracts and Non-Executive Director roles, including the Retail Banking Academy®.

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AWARDING ORGANISATION

Norman Gealy chairs the RBA Awarding Organisation. He worked at US based The Psychological Corporation and City and Guilds in the UK, before setting up an independent consultancy. He worked directly for the UK Government to help develop the framework by which all English qualifications were regulated from. He continues to help develop new qualifications and policies.

Nigel Harper is a professionally qualified banking director with direct responsibility and experience of lending, risk management, compliance and corporate governance. In 2009, he joined HM Revenue & Customs as their Specialist Retail Banking Adviser. Nigel is a former President of the Chartered Institute of Bankers (CIB). He has tutored the CIB BSc (Hons) subjects and lectured for the HMRC as part of a Tax Academy.

Godfrey Banks has a blend of experience in retail banking, awarding body organisations and the English regulator of qualifications, Ofqual. He worked for the London Chamber of Commerce where he took charge of the operational side of their awarding body. After two years, Godfrey joined the British Government’s Qualifications and Curriculum Authority, the forerunner of Ofqual.

Kevin Garforth has worked in retail banking and financial services for over 35 years. Since 2011 Kevin has run his own financial services and banking consultancy business, KGG Consulting Limited. Clients of the business have included several of the new start challenger banks in the UK, specialist accountancy firms and an accredited body of the Financial Conduct Authority.

Heward Simpson is a qualified Chartered Accountant and spent several years working in the telecommunications and food sector industries. Heward conducted several World Bank projects as an expert in syllabus and assessment design. He now works as an independent educational consultant.

David J Cavell is a senior banker and member of the General Management team during the highly successful 1990s transformation of the UK Cooperative Bank. He has researched and written many collections of international case studies on related innovation. He is a member of the General Assembly of the University of Manchester and an adviser to the UK Forum of Private Business (SMEs).

RBA Membership will send a powerful message to your customers, colleagues and the regulators that you are committed to

maintaining the highest standards of professionalism in your work.

It will also provide you with an unmatched international network of fellow professionals and an unparalleled research resource that you

can access at any time.

“The platform allows me to be up-to-date with what’s happening in broader banking community and great way to reach out to like-minded professionals and learn from their experience.”

Ankur ShardaSolutions Delivery Manager, ING

Australia

CCPP Prospectus / 13Visit www.retailbanking-academy.org or for more detailed information or email membership@rb-a.org.

RBA Membership offers 3 levels of Membership to successful RBA candidates:• Affiliate• Associate • Certified. Certified members of good standing who have completed the RBA’s Continuing Professional Development Programme and for a minimum of five years will be invited to become Fellows.

Continuing Professional

Development Opportunities

RBA Membership

Designation Pin

Careers Development

Advice

Unparalled Research

Resource (CPD Portal)

RBA Membership

DirectoryInternational Network of

Fellow Professionals

RBA MEMBERSHIP BENEFITS INCLUDE: