Introduction
The programme “Managing Governance in Banks Using Digital Systems” develops professional practice in Banking. It connects the subject with workplace challenges by examining existing evidence and practices and choosing methods appropriate to the organization and its available resources.
The learning progresses from banking service and operations management to financial statement and report analysis, with practical work on governance, accountability, and compliance management, designing digital transformation and developing services, credit analysis and banking risk. Participants prepare outputs to support workplace application and review the quality and results of implementation.
Learning objectives
- Analyze a banking process and connect service quality to operational risks and controls in an application related to “Managing Governance in Banks Using Digital Systems”.
- Define decision-making authority, accountability mechanisms, and obligation monitoring.
- Assess digitization opportunities and define implementation requirements that improve a service or process.
- Prepare a credit analysis and risk scenario showing repayment capacity and controls.
- Interpret performance, financial position, and cash flows using documented analysis with clear limitations.
Learning areas
1. Banking Service and Operations Management
- Define the customer journey, banking product, and service delivery points, distinguishing front-office service, processing, and control.
- Analyze relationship opening, verification, documentation, and authority requirements, referring to applicable local regulatory instructions.
- Review the risks of errors, delays, fraud, and service disruption, linking them to preventive and detective controls and clear responsibilities.
- Design an operational improvement balancing service speed, customer data protection, financial control, and compliance.
- Select indicators for time, accuracy, complaints, and continuity, and prepare a scenario for addressing a failure and evaluating the responses of the parties involved. The application examines a case related to “Managing Governance in Banks Using Digital Systems”.
2. Governance, Accountability, and Compliance Management
- Map decision-making, oversight, and execution levels, and identify separation of roles and potential conflicts of interest.
- Review policies, committees, delegated authorities, and reporting frequency, and connect each responsibility to clear authority and limits.
- Create an obligations register specifying the source, scope, responsible party, and compliance evidence, and review applicable local requirements.
- Define disclosure, accountability, complaint handling, and misconduct reporting mechanisms, and protect information confidentiality during follow-up.
- Assess a practical governance case and prepare a gap remediation plan with review indicators and evidence of action closure.
3. Designing Digital Transformation and Developing Services
- Distinguish information digitization, step automation, and business model transformation, and identify the problem targeted by the digital intervention.
- Map the beneficiary journey, touchpoints, and repeated data requests, and identify opportunities for simplification before selecting technology.
- Analyze readiness across procedures, skills, data, and technical infrastructure, and document gaps and dependencies on existing systems.
- Specify solution, integration, access permission, usability, and accessibility requirements, and establish testable acceptance criteria.
- Design a limited-scope pilot with indicators for time, quality, and use, and define conditions for continuing, adjusting, or stopping.
4. Credit Analysis and Banking Risk
- Analyze the financing purpose, repayment sources, and nature of the business, and review the financial and nonfinancial data needed to assess the customer.
- Assess cash flows, debt servicing capacity, and collateral, distinguishing the primary repayment source from supplementary protections.
- Classify relevant credit, market, liquidity, and operational risks, considering the applicable regulatory framework and internal policies.
- Test the effects of changes in revenues, prices, and maturities on repayment capacity, and define conditions and monitoring requirements addressing the identified risks.
- Prepare a documented recommendation covering limits, assumptions, information gaps, and warning indicators without turning the training case into an actual financing decision.
5. Financial Statement and Report Analysis
- Read the relationships between the statements of financial position, performance, and cash flows and the notes, identifying the effects of accounting policies and estimates.
- Perform horizontal and vertical analysis and compare profitability, liquidity, efficiency, and leverage indicators, considering the nature and size of the business.
- Examine earnings quality, cash flows, and nonrecurring items, and identify differences between accounting results and actual liquidity.
- Test the sensitivity of results to changes in sales, costs, collections, and financing, stating the assumptions and constraints in each scenario.
- Write a financial report linking indicators to management's question and available alternatives, presenting risks and additional data needed for the decision.
Practical outputs
- A banking process map, control matrix, and service quality indicators.
- An authority matrix, obligations register, and escalation and review mechanism.
- A digital transformation roadmap covering the beneficiary journey and implementation requirements.
- A credit memo, risk register, and early warning indicators.
- A comparative financial analysis report and a memo of findings and assumptions.
Who should attend
- Practitioners, specialists and supervisors whose work relates to the programme subject.
- Managers and teams working in banking, according to their practical responsibilities.
- Professionals responsible for applying the outputs of “Managing Governance in Banks Using Digital Systems” within their organizations.
Prerequisites
- Working familiarity with the programme field and the ability to discuss a professional case or challenge.
- Confirm the suitability of your experience and any specialist prerequisites with the Union before participation.
Conclusion
The programme “Managing Governance in Banks Using Digital Systems” brings together concepts, case review and a practical application. Participants prepare steps that can be adapted to their responsibilities and organizational resources, with an indicator to follow application and review results after returning to work.
Participation arrangements and any special requests are specified in the confirmation issued by the Union.