Description

In partnership with Drive Innovation Insights Faced with an increasingly complex legal framework, the banker must be able to provide solutions adapted to the risk profile of his client, while mastering the latest legislation. The latest regulatory developments such as the Hamon law, the MIF II directive, finance laws, the 4th anti-money laundering and terrorist financing directive, etc. reinforce legal risks in customer relations. This training on the essentials of banking law will allow you to decipher the main obligations relating to the sale of savings, credit, insurance and financial products. Furthermore, faced with cyber risks, you will be able to raise your customers' awareness of the risks of fraud on payment methods.

Who is this training for ?

For whom ?

All professionals in commercial, legal and support functions of banking and financial establishments concerned by banking law and risks in customer relations.

Prerequisites

Training objectives

Decipher the banking law applicable in the context of the sale.

Identify your obligations and responsibilities as a banker.

Understand the risks linked to customer relations.

Training program

• Mastering the banking environment and supervision The organization of the banking system and supervision.
  • The authorities: AMF, ACPR, BdF.
  • The main connections between network, compliance, legal, risk and litigation departments.
• Identify the main regulations in the context of customer relations
  • Obligations regarding account opening.
  • Documents to obtain when entering into a relationship.
  • The impacts of the MiFID II Directive.
  • The fight against money laundering and the fight against fraud.
• Determine the main responsibilities of the banker The civil and criminal liability of the banker.
  • Examples of credit warning cases.
  • Litigation news on TEG/TAEG.
  • Sanctions applicable for failure to comply with credit obligations. 'information, advice and warnings.'}
• Decipher the obligations in the sale of products Law relating to bank canvassing and distance selling.
  • The fundamentals of consumer credit.
  • Credit consolidation.
  • Real estate credit reform: new obligations for the banker.
• Manage a bank account in compliance with regulations Classify the client according to a risk profile. Detect bank account malfunctions.
  • Rights/obligations when using FICP files.
  • Knowing how to control credit and over-indebtedness risks.
• Understand the legal requirements for payment methods
  • Presentation of payment methods: cards, direct debits, contactless payment, prepaid cards...
  • Directive on DSP payment services and its impacts.
  • Raise customer awareness of the risks of fraud and cyber risks.