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Schedule June to Sept
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Bespoke Training
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Prologue: Buying a Home Made Easier
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Introduction to Modern Retail Banking
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January 2026 Schedule
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Affiliate International Retail Banker Programme
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CIRB I (2026)
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Retail Banking Institute
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Introduction
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The Impact on Corporate Governance of the Advent of the Knowledge Economy
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The Business of Retail Banking
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Faculty
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CIRB II (2026)
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Introduction
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Associate International Retail Banker Programme
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Partners
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Digital Payments Certificate
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Home
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FAQs
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Retail Banker Certificate
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The Importance of Personalisation and Hyper-personalisation
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Ethics and Customer Trust
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CIRB III (2026)
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The Hidden Cost of Weak Governance
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Certified International Retail Banker Programme
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Register your Interest – CXE
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Six Things That A Modern Retail Bank Does For Its Customers
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Return on Investment
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Turning Customer Data into an Asset
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Digital Payments
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Culture as a Factor
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The Essence of Corporate Governance
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Customer Relationship Management
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Key Revenue Streams
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News
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Privacy Policy
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TEST
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Group Leaders
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Customer Segmentation
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The Risks of Corruption that Arise in International Banking
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Courses
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Modern Retail Bank Customers
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Insights
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Testimonials
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Payments
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Learning and Development Teams
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Banks as Drivers Towards a Green Economy
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Life Stage Analysis
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Complete
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Contact
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NPS and Other Customer Feedback Metrics
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Composition of the Board of Directors
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Fintech Revolution
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SWOT Analysis of a Modern Retail Bank
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Scenarios of Corporate Governance in the Future
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How Data Analytics and AI Drive Deeper Understanding and Better Outcomes
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Members
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Conclusion
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Case Study: The Board of Silicon Valley Bank
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Basket
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Challenges and Opportunities
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Checkout
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Marketing and Sales Strategies
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CIRB 3 – Module 1 – Exam Questions
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CIRB 2 – Module 1 – Exam Questions
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A Day in the Life
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Introduction
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Complete
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Consumer and MSME Credit Assessment
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Staying Relevant to Customers
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Introduction
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What is AI?
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Registration Complete
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Search
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Employee Engagement And Development
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Target Operating Model
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A Short History of AI
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Managing Programmes and Projects
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How does AI work?
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In Conclusion
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CIRB I – Module 1 – Exam Questions
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The Three Types of AI
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Using the Right Project Methodology
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How Operations and IT Enable AI-Driven Improvements
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Key Concepts in AI
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Introduction
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Ethics
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Hallucinations
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Customer Data Management
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Conclusion
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AI and Business Today
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The Role of Ethics in Building Trust
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Creating an Ethical Culture
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The Future of AI
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CIRB 2 – Module 2 – Exam Questions
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An MSME Story: Horizon Bank's Recipe for Success
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CIRB 3 – Module 2 – Exam Questions
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Customer-centricity is Essential for Trust
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Comparing Value Delivery Approaches
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The Forces that Shape the World We Live In
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Introduction to MSME Banking
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Dreams, Necessity, and Opportunity
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Customer-centric Benefits
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What does 'Sustainability' and 'Sustainable' Mean?
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ESG: Beyond Compliance
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Current State of Customer-centricity
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Characteristics of MSMEs
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The Five Stages of the Business Life Cycle
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Defining Customer Trust
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Consumer Expectations for ESG Principles
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The Future of ESG
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Trust in Retail Banking: The Unique Challenges
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Risks and Challenges Behind Failure Rates
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Banks' Role in Supporting MSMEs
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The Undermining of Customer Trust
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Sustainable Financial Products and Services
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ESG Frameworks and Regulations
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Global Customer Trust Metrics
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Practical Skills for Engaging MSMEs
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The Vital Role of MSMEs and Banks in Economic Growth
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In Conclusion
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Implementation Challenges and Solutions
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Banks Committed to Sustainability Action
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CIRB I – Module 2 – Exam Questions
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CIRB 2 – Module 3 – Exam Questions
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What is a Fintech?
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Introduction
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Things Banks Need to Avoid
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ESG Compliance Benefits and Risks
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Defining Customer Management
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Fintechs and Digital Banks
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How the Journey Starts
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Customer-centric Value Delivery Approach
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Encouraging Customer Change
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Regulators are Starting to Get Tough
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Core Customer Management Capabilities
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Building a Fintech
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Important Aspects of Building A Fintech
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Manage the Relationship Between the Bank, its People, and its Customers
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2025's Political Backlash
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In Conclusion
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Ability to Get, Grow and Keep Valuable Customers
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Launching and Growing the Fintech
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Performance Management
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CIRB 3 – Module 3 – Exam Questions
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Have a Deep Understanding of Customer Needs, Behaviours, and Value
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Engage Specific Customers or Segments
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Fintechs Need to Deliver the Promised Customer Centricity
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Introduction: Leading a Risk Management Culture
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Understanding and Managing Risks
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Optimise Customer Satisfaction and Develop a Relationship of Trust and Loyalty
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Most Common Types of Fintechs
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Conclusion
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Risk Management Framework
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Measuring Net Promoter Score (NPS)
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In Conclusion
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CIRB 2 – Module 4 – Exam Questions
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Key Roles in Risk Management
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Embedding Risk Culture into Daily Operations
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CIRB I – Module 3 – Exam Questions
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Introduction: The Challenger and the Titan
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From Disruption to Partnership
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Effective Crisis Management
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Introduction
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The Importance of a Brand
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Redefining the Future of Retail Banking
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Conclusion
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CIRB 3 – Module 4 – Exam Questions
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Marketing
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Impact on Traditional Retail Banks
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How Regulators Fuelled the Fintech Revolution
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Introduction: A day in the life of Lena
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Marketing Department Structure
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Building a Marketing and Sales Promotion Plan
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Main Fintech and Neobank Set-up Models
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Evolve Quickly or Become Obsolete
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Ensuring Survival and Growth in a Digital World
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Types of Marketing
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Big Tech is Disintermediating Everyone
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Risks and Opportunities by 2030
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Reinventing Through Digital Brand Evolution
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Digital Marketing
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Attracting New Customers Using the Internet – Inbound and Outbound Marketing
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Fintechs and Neobanks: Beyond Transactions
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Inward vs Outward-looking Mindsets
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Analysing Traditional Retail Banks (2030 Opportunities and Threats Outlook)
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Content Marketing
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Conclusion
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CIRB 2 – Module 5 – Exam Questions
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Traditional Retail Banking's Inflection Point
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Influencer Marketing
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In Conclusion
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Introduction
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The Future of Traditional Bank Revenue Streams
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Roadmap for 2030 Transformation
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CIRB I – Module 4 – Exam Questions
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Transactional and Consultative Sales in a Bank
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How Technology is Changing Bank Sales
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Introduction
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Conclusion
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CIRB 3 – Module 5 – Exam Questions
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Building a Sales Team
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The Importance of Planning and Preparing
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Starting The Conversation
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Introduction
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The Sales Funnel in Retail Banking
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Hiring a Sales Team
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How to Break the Ice and Build Trust
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Boss or Leader
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Leadership Styles
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Training a Sales Team
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How to Delight the Customer
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How to Sell Your Product From Interest to Sale
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Main Qualities of a Retail Banking Leader
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Motivating a Sales Team
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Setting Targets for a Sales Team
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How to Close a Sale?
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Essential Principles for an Efficient Retail Banking Leader
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The Role of People Management in Retail Banking
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How to Reward Sales Performance
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Integration of Sales Channels and Digital Marketing
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Conclusion
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How Digital is Affecting the Retail Leader
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In Conclusion
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CIRB 2 – Module 6 – Exam Questions
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CIRB I – Module 5 – Exam Questions
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The Multi-Generational Challenge
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Conclusion
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Introduction
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Introduction
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The Five Important Aspects of People Management
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Products and Services Characteristics
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CIRB 3 – Module 6 – Exam Questions
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Introduction
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Retail Bank Products and Services
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Training
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Motivation and Job Rotation
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Product Bundles vs Propositions
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Why Consistency is Key
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How to Create a Brand
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Retail Bank Propositions
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Managing by Objectives
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Exiting an Employee
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The Distribution Mix
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Building a Brand: What to Stand for and What Perception to Create
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Steps the Build a Brand
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Steps in the Exiting of a Professional
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Omnichannel Distribution and Delivery
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In Conclusion
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Communicating the Brand to Existing Customers – Personalisation
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Conclusion
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CIRB 2 – Module 7 – Exam Questions
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CIRB I – Module 6 – Exam Questions
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The Impact of Digital Marketing on Branding and Customer Relations
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The Senior Executive's Role in Building a Brand
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Introduction
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Introduction
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The Importance of Payments
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CIRB 3 – Module 7 – Exam Questions
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Product Development
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Everything Starts with the Customer – most of the time
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SWOT Analysis of Payments
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Introduction
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Key Functions of ALM
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Important Steps in Product Development
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A Brief History of Payments
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Understanding Payment Methods
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Items to be Tracked and Decided by ALM
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Discipline to Map Every Step of Development
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Managing Products and Services
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The Role of Card Schemes
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Liquidity and Funding Risk
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Interest Rate Risk
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Setting Goals
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Merchant Acquiring
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Cross-Border SWIFT and Correspondent Banking Payments
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Transfer Price
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New and Existing Customers
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Less is More
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Digital Payment Methods
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How Digital Accounts May Affect the Stickiness of Retail Deposits
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Foreign Currency Risk
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Conclusion
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The Role of Payment Service Providers in Digital Payments
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Fraud in Payments
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Other Risks
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CIRB 2 – Module 8 – Exam Questions
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Introduction
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Is The Future: 'Cashless or Less Cash?'
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CIRB 3 – Module 8 – Exam Questions
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The Importance of a Proper Underwriting Process
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In Conclusion
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CIRB I – Module 7 – Exam Questions
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The Impact of Delinquency in a Bank
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Collections and Recovery
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Introduction
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Running the Bank: Operational Excellence in Retail Banking
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Collections Ruler
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Collections and Recovery Policies
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Efficiency and Cost Savings
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Drivers of Change
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Negotiation and Approach Techniques
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Collection Technology and Tools
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Core Capabilities
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Continuous Improvement in Bank Operations
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Data and Analytics
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Collections Database Speeds up the Process
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Key Project Management Methodologies
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Project Management in Banking Operations
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Important Things to Have In Mind When Doing Collections
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Trends and Innovations in Debt Collection
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Operations Manages the Bank's Technology
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In Conclusion
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Using a Collections Agency
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Selling the Bad Debt
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CIRB I – Module 8 – Exam Questions
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Introduction
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CIRB 2 – Module 9 – Exam Questions
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Introduction
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Risk in Retail Banking
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How do retail banks manage risk?
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The Retail Credit Risk Strategy
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Managing Credit Risk (An Overview)
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Risk Governance
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The Risk Management Process
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Retail Banking Consumer Default Models
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MSME Banking Default Models
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What are the Risks Faced?
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More Risks: Strategic and Competitive Risks
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NPL Default Impact on a Bank
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Credit Scoring
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Risk Management Tools and Techniques
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Identification, Assessment, Mitigation and Control Tools
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Criteria-Based Lending
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Behavioural Credit Scoring
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Crisis Management and Disaster Recovery
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In Conclusion
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Judgemental Lending – 6Cs
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Technology and Data Analytics in Credit Risk Assessment
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CIRB I – Module 9 – Exam Questions
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Introduction
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Loan Fraud Detection and Technology
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Risk Weighted Assets (and What it Means for Banks)
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What is Retail Credit Risk Management?
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Identification and Assessment of Credit Risk
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Pricing Risk, or Risk-Based Pricing
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Post-Credit Assessment Portfolio Management
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The Main Retail Credit Products and Services
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The Main Forms of Credit Assessment
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Strategies for Improving Credit Risk Management
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Conclusion
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Islamic Lending
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Understanding Standardised Credit Scoring
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CIRB 2 – Module 10 – Exam Questions
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Portfolio Management
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Early Warning Signs
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Risk Mitigation: Why banks take collateral
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Provisions and Unexpected Risk
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Case Study: Washington Mutual
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CIRB I – Module 10 – Exam Questions
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Introduction
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Card Issuing – The Credit Card
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Card Issuing – The Debit Card
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Card Issuing – Prepaid Cards
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Card Issuing – Travel & Entertainment Cards
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Card Issuing – Fleet Cars and Fuel Cards
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Card Issuing – Corporate Cards
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Card Issuing – Credit Card Issuers
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Card Acceptance – Introduction
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Card Acceptance – Point of Sale
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Card Acceptance – MPOS: Mobile Point of Sale
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Card Acceptance – Interchange Fees
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Card Acceptance – Merchant Discount Rate
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Card Acceptance – Card Authorisation
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Card Acquiring – Introduction
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Card Acquiring – Digital Acquiring
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Digital Payments – Module 1 – Exam Questions
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Mobile Payments – Feature Phone
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Mobile Payments – The Smartphone
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Mobile Payments – USSD Services
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Mobile Payments – The QR Code
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Mobile Payments – Mobile Money
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Mobile Payments – The Mobile Wallet
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Mobile Payments – The Digital Wallet
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Retail Payments – Remittances
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Retail Payments – Cross-Border Payments
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Retail Payments – SME Payments
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Retail Payments – Bill Payments and B2B Payments
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Corporate Payments – Wholesale Payments
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Corporate Payments – Batch Payments & Correspondent Banking
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Corporate Payments – Real Time Gross Settlement
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Money, Cash, and Currency – Money
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Money, Cash, and Currency – E-Money
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Money, Cash, and Currency – Digital Currencies
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Money, Cash, and Currency – Cryptocurrencies
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Money, Cash, and Currency – Central Bank Digital Currencies
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Digital Payments – Module 2 – Exam Questions
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Payment Processing – Three-Party and Four-Party Models
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Payment Processing – American Express
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Payment Processing – Visa
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Payment Processing – Mastercard
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Payment Processing – China UnionPay & UnionPay International
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Payment Processing – JCB
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Payment Processing – Discover & Diners Club
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Payment Processing – National and Domestic Networks
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Payment Processing – Payment Switch & Payment Gateway
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Fraud and Cybersecurity – Fraud
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Fraud and Cybersecurity – Cybersecurity
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Fraud and Cybersecurity – Chargebacks
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Fraud and Cybersecurity – Payments Regulation
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Fraud and Cybersecurity – Compliance in Payments
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Fraud and Cybersecurity – Risk in Payments
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Fraud and Cybersecurity – Payments Standards
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Digital Payments – Module 3 – Exam Questions
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Data and Payments – Data
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Data and Payments – Data Localisation
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Data and Payments – Payments Under Open Banking
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Data and Payments – AISPs and PISPs
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The New Value Chain
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Loyalty and Analytics
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Value-Added Services – Artificial Intelligence
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Value-Added Services – Machine Learning
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Sales and Marketing – Prospecting
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Sales and Marketing – Pricing
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Sales and Marketing – Buy Now Pay Later
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Digital Payments – Module 4 – Exam Questions
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Step 1.1
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Step 1.2
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Step 2.1
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Step 2.2
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Lafferty Group
Contact Us
enquiries@lafferty.com
caroline.hastings@lafferty.com
The Leeson Enterprise Centre
Altamont Street
Westport, Co. Mayo
Ireland
F28 ET85