Module 1: Introducing bribery and corruption (all employees)

• define bribery and corruption
• explain where bribery can occur
• discuss the laws prohibiting the bribery of public officials
• explain private sector bribery and false accounting
• outline domestic and international regimes penalising bribery

Module 2: Soliciting and receiving bribes (all employees)

• Describe the offence of offering or receiving corrupt benefits
• Highlight the risks of offering, promising or causing a bribe
• Distinguish bribes and corrupt benefits from bona fide gifts
• Explain what to do if you are offered a bribe
• Outline the consequences of corrupt conduct

Module 3: Working with other countries (employees doing business overseas)

• Identify foreign public officials
• Explain the offence of foreign bribery
• Describe the scope of the foreign bribery offence
• Explain the exemptions to foreign bribery
• Outline international anti-corruption measures

Module 4: Advanced anti-bribery and corruption (managers)

• Explain why bribery risk management is important
• Describe red flags and bribery risk indicators
• Outline the key elements of risk management strategy
• Discuss how foreign bribery can be monitored and reported
• Explain the offence of failing to prevent bribery
• Anti-Bribery and Corruption

Module 1: Introducing AML/CTF 

• Introducing money laundering and terrorism financing
• Australia’s AML/CTF laws
• AML Regulation in Australia
• The importance of compliance

Module 2: ML/TF Methodologies

• How money is laundered
• Terrorism finance process

Module 3: Customer due diligence

• Customer due diligence
• Special customer types
• Sanctions laws
• Record keeping

Module 4: Ongoing customer monitoring

• Ongoing customer due diligence and transaction monitoring
• When to carry out enhanced customer due diligence
• Keeping KYC information up to date

Module 5: Reporting to AUSTRAC

• Reporting - an overview
• Suspicious matter and threshold transaction reporting
• International funds transfer instruction reports

Module 6: AML/CTF for managers

• Enrolment with AUSTRAC and the annual compliance report
• The AML/CTF Program and ML/TF risk assessments
• Employee due diligence and risk awareness training
• Role of the AML/CTF Compliance Officer and review of the mutual banking sector

Topics Covered

• What is workplace bullying?
• Identifying who may be involved in bullying
• Cyberbullying and remote working
• Dealing with bullying for victims, perpetrators and bystanders
• If you have been bullied

Topics Covered

• Why we have a structured complaints-handling process
• What we mean by a “complaint”
• Who can make a complaint
• Dealing with complaints
• The complaints process
• Timeframes for dealing with complaints
• The feedback loop
• Unresolved complaints and the role of the EDR Scheme

Module 1: Introduction to cyber security

• Define cyber security
• Explain how personal responsibility relates to cyber security
• Identify the security concerns caused by shoulder surfing
• Describe how malware works
• Highlight the dangers of social engineering, tailgating and phishing

Module 2: Protecting work information

• Identify key strategies for desktop security
• Describe essential tips on using passwords and encryptions
• Highlight the cyber security concerns around internet use
• Explain how to protect work email accounts from cyber-attacks
• Outline what to do if an incident occurs

Module 3: At work, home and offsite

• Outline the cyber security concerns associated with working remotely
• Identify ways to protect data stored on mobile devices
• Highlight the data breaches associated with social media
• Describe the requirements for collecting credit cardholder data under PCI DSS
• Explain potential data breaches associated with paying by credit card

Topics Covered

• The benefits of a diverse workplace
• Unconscious bias
• Cultural competence
• Accessibility
• A structural approach to diversity and inclusion

Topics Covered

• The problem of unlawful discrimination
• Direct and indirect discrimination
• What is sexual harassment?
• Stopping discrimination and sexual harassment
• If you have been discriminated against or sexually harassed

Module 1: Introduction to ePayments

• Introducing the ePayments Code
• Applying the Code: When a security breach is reported
• Applying the Code: In other circumstances

Module 2: Disputed ePayments

• Overview of disputed transactions
• Where account holder is not liable
• Where account holder has full liability
• Where account holder has limited liability

Module 3: Mistaken ePayments

• Terminology
• Definition of “mistaken internet payment”
• Obligations of Sending ADI
• Procedures of Receiving ADI
• Other measures addressing mistaken internet payments

Module 1: Regulation of financial services

• How financial services are regulated in the banking sector

Module 2: Basic deposit products and non-cash payment facilities

• Explain the main types of basic deposit products in Australia
• Outline how Australian basic deposit products are regulated

Module 3: Introduction to financial advice

• Give a simple definition of advice
• Explain the difference between factual information and advice
• Identify the two categories of financial advice
• Explain how to ensure advice you give is only general advice

Module 4: Providing personal advice

• List the elements of the best interests duty
• Identify the subject matter and scope of the advice the customer is seeking
• List the steps required to identify the customer’s relevant circumstances
• Describe situations where you must warn a customer that advice is based on incomplete or inaccurate information

Module 1: Introduction to fraud

• Defining fraud
• Types of fraud
• The risk of fraud to your organisation
• Who commits fraud
• Consequences of committing fraud

Module 2: Internal Fraud

• Red flags of internal fraud
• Accounts payable frauds
• Sales and inventory frauds
• Payroll and expense account frauds

Module 3: External Fraud

• The dangers external fraud poses to a financial services business
• Identifying and responding to the various types of loan fraud
• The typologies of online payments fraud
• Cheque fraud, card fraud, and fraud issues related to the New Payments Platform
• Non-banking types of external fraud

Module 4: Identity Fraud

• Defining identity fraud
• Common identity theft techniques
• Minimise the risk of your identity being stolen
• How to protect customers from identity fraud
• What to do if identity fraud occurs

Module 5: Fraud Risk Management

• Elements of a fraud risk management framework
• Ways to build fraud awareness
• Fraud prevention methods
• Elements of a fraud detection and reporting program
• Elements of a fraud response system

Module 1: Key Concepts, Products and Features

• Decide whether a loan is regulated as consumer credit
• List the common types of loan products available
• Outline the general features of loans
• How loans can be secured by a mortgage
• List common related insurance products

Module 2: Consumer Lending Regulation Overview

• Describe the sources of consumer lending regulation in Australia
• Describe ASIC’s role as the credit consumer protection regulator
• Describe the consequences of non-compliance
• Describe consumer lending licensing and the general obligations of licensees

Module 3: Forming a Consumer Loan

• Describe marketing of credit and sale activities
• Explain Responsible Lending Obligations
• Discuss credit contracts (both form and content)
• Describe pre-contractual disclosures
• Explain the importance of checking borrower understanding and free choice

Module 4: Consumer Mortgages

• How a mortgage works
• What can a mortgage secure?
• The steps involved in taking a mortgage

Module 5: Credit Related Insurance

• Mortgaged property insurance (MPI)
• Lenders mortgage insurance (LMI)
• Consumer credit insurance (CCI)

Module 6: Loan Guarantees

• The legal disclosures to the proposed guarantor
• Ensuring guarantor understanding and free choice
• Execution of the guarantee

Module 7: Responsible Lending

• Identify the Responsible Lending Obligation (RLO) to make reasonable inquiries about the
  borrower’s requirements and objectives
• Discuss the RLO to make reasonable inquiries about the borrower’s financial situation
• Recognise the RLO to take reasonable steps to verify the borrower’s financial situation
• Explain the RLO to make a suitability assessment
• Identify your record-keeping obligation

Module 1: Overview of Privacy Regulation

• Outline how privacy is regulated in Australia
• Explain who and what is protected by the Privacy Law
• Describe how to integrate privacy into day to day business of the organisation

Module 2: Collecting Personal Information

• Outline the personal information covered by the Privacy Law
• Identify which personal information is reasonably necessary for an organisation’s activities
• List some strategies to follow when collecting personal information

Module 3: Dealing with Personal Information

• Outline the situations where an organisation can use an individual’s personal information
• Outline the situations where an organisation can disclose an individual’s personal information
• Explain how to guard against wrongful disclosure of personal information

Module 4: Access and Correction

• Explain the situations where access to personal information must be given and where
  access can be refused
• Outline how to deal with correction requests
• List some practical steps when dealing with access and correction requests

Module 1: Introductory PPS Training

• The framework of the PPS System
• Some common documents used in the PPS System
• Some common terms used in the PPS System
• How PPS Registration can help a financial institution

Module 2: Specialist PPS Training

• Prior security interests
• Common priority rules
• Protecting your institution’s priority
• Special priority rules for vehicles acquired from a registered dealer

Topics Covered

• What is whistleblowing and why is it important
• Whistleblowing policies
• Making a whistleblower disclosure
• Emergency and public interest whistleblower disclosures
• Investigation of disclosures

Module 1: Working safely

• Explain how WHS laws affect you and your workplace
• Identify who has rights and obligations under WHS law
• Discuss the general rules of WHS duties
• Outline a PCBU’s duty to consult with workers
• Describe a PCBU’s duty to consult with other duty holders

Module 2: Workers’ rights and obligations

• Explain what a worker’s duty of care entails
• Outline how you can manage risk
• Identify when you are allowed to cease work
• Describe the various forms of prohibited conduct
• Outline the three categories of WHS offences

Module 3: Duties of PCBUs

• Explain what a PCBU’s duty of care entails
• Outline the WHS risk management process
• Describe how to manage a notifiable workplace incident
• Identify a PCBU’s obligations in relation to emergencies and first aid, training and the
  provision of protective equipment
• Describe any additional duties in respect of plant, substance or structure activities

Module 4: Compliance and enforcement measures

• Identify the role and the powers of the regulator
• Identify the role and the powers of health and safety inspectors
• Describe the notices an inspector may issue for WHS breaches
• Explain how enforceable undertakings operate
• Describe the orders a court can make in response to a WHS breach

Module 5: Duties of officers

• Identify the officers of a PCBU
• Outline officers’ liability for WHS matters
• Explain officers’ due diligence obligations
• Describe the elements of an effective WHS system
• Discuss the penalties for officers for breach of due diligence

Module 6: Other parties

• Identify the role of health and safety representatives (HSRs)
• Identify the powers of HSRs
• Outline PCBUs’ obligations toward HSRs
• Identify the role of health and safety committees
• Discuss the functions of WHS entry permit holders

Module 1: Introduction to unconscious bias

Module 2: Managing unconscious bias in your organisation

Module 1: Customers with reduced decision-making capacity

• Explain the importance of a banking customer’s decision-making capacity
• Discuss how to assess a customer’s decision-making capacity
• Describe the causes of reduced decision-making capacity
• List possible responses to reduced decision-making capacity
• Give a general overview of Powers of Attorney

Module 2: Customers with special needs

• Discuss how to overcome various barriers that may hinder customers getting information
  about financial products
• Explain how to assist customers who may have trouble understanding how financial
  products work

Module 3: Customers vulnerable to other parties

• Explain which actions fall into the definition of ‘financial abuse’
• Understand how to assess the chances that financial abuse is occurring
• Outline some ways a customer can guard themselves against financial abuse
• Outline some ways to respond if you suspect financial abuse is happening

Module 4: Relationship breakdowns and domestic violence

• Explain how to help a customer reorganize their banking after a relationship breakdown
• Understand the background to domestic violence
• Explain how to help a customer open an account when they have too few identification documents

Module 5: Elder financial abuse

• In this module we use case studies of elder financial abuse to learn how to better identify
  and respond to potential elder financial abuse

Module 6: Vulnerable customers – loans and guarantees

• Explain the risks faced by vulnerable customers when they enter into loans as a coborrower or guarantor
• Outline some ways to protect vulnerable customers when signing up loansCase studies