// WHAT IS THE PROGRAM ABOUT?

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WHO CAN
PARTICIPATE ?

Participants are required to have obtained minimum a bachelors’ degree. Last year’s students for an academic bachelor’s degree in economy, business management and/ or accountancy are also welcome provided they present a recommendation from their Faculty board.

The access to the exam is limited to those trainees who have participated with a minimum of 90% of the course days’ attendance. Banks commit to enable their personnel to support their training by exempting them during the training period from travelling and evening tasks for professional purposes.

WHY SUBSCRIBE?

Own Competence

The RAF receives support from international training organisations with a strong reputation to set up curricula that meet the needs of the Rwanda banking sector. But it does not seek recognition of its competence based upon the reputation of the international training provider. The strength of the RAF will come from its own competence, quality provided, transparency and sustainable high level.

Reputable evaluation Board

The reputation of the certificates supplied by the RAF is essential and is based upon the transparency and high standard level of the examination board. The latter must be able to work independently, in collaboration with international experts whose demands align with the content of the e-Learning curricula provided by the RAF.

Skilful local trainers

The RAF structures the curricula through a training of trainers’ process provided by involved international training organisations. The main key element of success has therefore been that we have been able to find the necessary skilful local trainers, who followed the courses and acquired the competence and who contribute actively to the translation of international methodologies to local Rwandese situations and cases. Their willingness to continuously update the modules is the guarantee to success.

Commitment to train employees

The success of this initiative lies also in the willingness of the financial sector to send their employees to the F2F courses, to participate in the e-Learning programs, to attend the yearly exams and to keep financial professions updated.

Get In Touch

Call For More Information

+250 788 878 562

Office Email

fred@rba.rw

MODULE 1: BANK ORGANISATION AND BANKING ACTIVITY

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to understand:

  • What are banks and what do they do?
  • Origins and development of banking institutions
  • Universal banks, specialist banks and mortgage banks, bank branches and subsidiaries
  • Bank intermediation activities (Intermediation ratio, trends and current developments, Funding, reinvestment of funds and interest margin, etc.)
  • Bank intermediation products (operations on capital markets, securities – transferable securities (fixed-income – variable-income and hybrid), foreign exchange, derivative products (swaps, options, futures, etc.), public debt markets
  • Structural components, business and product lines New actors and new trends: banks vs. fintechs

MODULE 2: CAPITAL MARKET

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to understand:

  • Financial Markets – What are financial markets and how can we understand them?
  • Financial Instruments – What are the financial instruments that are used in financial markets and how can we describe them?
  • Financial Activities – What are the main activities that are performed in financial markets?
  • Financial Players – Who are the different players in financial markets and what functions do they perform?
  • Presentation of the different actors, products and markets (money, bonds, equities, currency, options, alternative markets)
  • What are the financial instruments that are used in financial markets and how can we describe them (financial assets, money markets, bonds, derivatives, etc.)?
  • What are the main activities that are performed within financial markets? The impact of globalisation and technical innovations affecting capital markets

MODULE 3: BANK ACCOUNTS AND PAYMENT SERVICES

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the learners will be able to understand:

  • Why choose a bank? 
  • Terms and conditions before opening a bank account
  • Types of account and types of power of attorney / mandate
  • Services offered by a banking institution
  • Legal framework
  • The different payment instruments and their operational aspects
  • Bank transfers: specificities, types of beneficiaries, payment routes and new pricing provisions Electronic payments: cash withdrawal cards, telephone banking, ebanking, cheques, domiciliation, etc.

MODULE 4: LOANS TO CUSTOMERS

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to understand:

  • Current account loans (line of credit, cards, advances/overdrafts, cheques), purpose and associated risks
  • Consumer loans, characteristics and purposes
  • Property loan, characteristics and granting criteria
  • Specific loans (fixed term advances, bank guarantees, Lombard loans and student loans) and their purpose
  • The various guarantees that may be required when a loan is granted (principal, real, personal, moral, subsidiary)

MODULE 5: RISK MANAGEMENT IN BANKING

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to understand:

  • Risk management in banking
  • Tools for measuring and managing risk
  • Market risk and the different types of risk that belong to it
  • Credit risk and how to manage it
  • Operational risk across different departments
  • Liquidity risk and how it impacts banks Future trends in risk management for banks
  • Understand the fundamentals of risk and risk management
  • Understand the different types of risks in financial services
  • Evaluate the regulatory environment for managing risk in banks and investment funds Acquire knowledge about how to measure and manage risk.

MODULE 6: BACK OFFICE OPERATIONS

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to understand:

  • Front Office transaction processing
  • Domestic clearing
  • Cash management
  • Clearing BNR
  • Corporate operations
  • Loan processing
  • Money market transactions
  • FOREX related operations
  • Securities transactions
  • Digital Banking

MODULE 7: SELLING FINANCIAL SERVICES

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to understand:

  • The key sales behaviour for a successful customer relationship
  • Sales funnel and customer approach
  • Customer interaction (dialogue, active listening, handling objections…)
  • Pricing negotiation

MODULE 8: COMPANY ACCOUNTANCY FOR NON ACCONTANTS

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to understand:

  • What is accounting?
  • Balance sheets and income statements
  • The accounting system over the accounting year
  • Accounting documents
  • Principles of year-end entries
  • Accounting for banks and accounting standards
  • Regulatory reporting
  • Financial analysis of banking institutions
  • Financial statement analysis
  • Financial structure and performance
  • Non-balance sheet analytical data

MODULE 9: ANTI-MONEY LAUNDERING: AML& KYC

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to understand:

  • Definition of anti-money laundering and terrorism financing
  • The duties of financial institutions in the fight against money laundering and terrorism financing: professional obligations
  • Fight against money laundering and terrorism financing within an international framework
  • Know your customer principles, typologies and methods
  • Implementation of AML programs
  • Case studies

MODULE 1: ASSET-LIABILITY MANAGEMENT(ALM) –BASIC COURSE

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to:

  • Understand the importance of ALM
  • Understand the overview of the techniques used and its application
  • Understand Assets & Liabilities Management
  • Understand Liquidity Mismatch
  • Describe Liquidity Management
  • Understand ALM International Standards

MODULE 2: CREDIT ASSESSMENT & CREDIT MANAGEMENT

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to:

  • Gain an overall understanding of what is Credit risk management
  • Understand the importance of credit risk management
  • Describe credit risk management principles and common practices
  • Be equipped with advanced knowledge of the key concepts
  • Analyse Financial risk components, Rating analysis, Risk models, Economic and regulatory capital
  • Understand the industry players in credit risk management and the credit risk cycle
  • Gain advanced knowledge about credit risk standards and industry best practices with practical case studies

MODULE 3: E-COMMERCE AND ELECTRONIC BANKING

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to:

  • Understand the concept of electronic banking (E-banking), mobile banking and a general understanding electronic commerce (E-Commerce)
  • Equipped with modern and more current developments in the Banking Sector (World Wide Web, Global village, International products and services, Unbanked clients, Human interface, Cash transactions, Branch Network (ATMs, Branches, Cards, POS, Mobile Banking)

MODULE 4: BRANCH PERFORMANCE MANAGEMENT

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to:

  • Understand the various aspects of the management of a branch
  • Understand the financial aspects (income and expenses, the customer relationship aspect, the operational aspect, the management of the various channels the customers use)
  • Understand how to achieve company goals through leadership and how to drive productivity through people using different new platforms

MODULE 5: MARKETING OF FINANCIAL SERVICES

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to:

  • Understand Marketing and Sales skills in the Banking Sector
  • Understand the basic approaches of Strategic Planning, marketing and Sales importance
  • Gain knowledge on how to marketing and Sales in the Banking Sector
  • Define strategic planning
  • Identify basic approaches to strategic planning, Strategic choices, and Strategic positioning
  • Describe Consumer Behaviours

MODULE 6: TRADE FINANCE

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to:

  • Understand the risks associated to International Trade
  • Understand the different Techniques of payment in International trade
  • Understand different concepts, rules and their application in handling transactional trade finance
  • Obtain the skills and knowledge of drafting, issuing Letters of credit and analysis of different terms of contracts between the importer and the exporter

MODULE 7: LEGAL ASPECTS IN BANKING AND BUSINESS

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to:

  • Gain the fundamental knowledge about legal aspects in banking and business
  • Understand practical legal problems
  • Obtain a wider conceptual context of banking regulation such as, the key laws and regulations governing the banking business
  • Describe fraud, forgery & money laundering 
  • Understand the main principles governing the relationship between banks and their clients

MODULE 8: OFF-BALANCE SHEET FINANCING

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to:

  • Understand off balance sheets
  • Identify the types of off balance sheet items
  • Define and understand each type of off balance sheet items
  • Recognize the purpose of off-balance sheet items
  • Analyse the benefits and risks of off-balance sheet financing
  • Describe off-balance sheet financing and how to analyse it
  • Understand how it works and why it is important
  • Understand different global cases that contain off-balance sheet information
  • Understand the benefits and risks of Off-balance sheet financing

MODULE 9: PRINCIPLES OF INTERNAL AUDITING

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to:

  • Understand roles of internal audit and its mandate in an organization
  • Understand the concepts of Independence, objectivity, Proficiency, Care and Quality Internal Audit Charter
  • Get acquainted with Internal Audit Approach/Methodology
  • Understand Governance
  • Understand Audit and regulations

MODULE 10: AML-CTF&FINANCING OF PROLIFERATION OF WEAPONS OF MASS DESTRUCTION

PROPOSED DURATION: • 16 HOURS’ CLASS

Learning objectives:

At the end of this course, the leaners will be able to:

  • Have a fundamental knowledge on the subject matter
  • Have a deep knowledge on how to fight against money laundering and financing of terrorism
  • Obtain sufficient information about the legal and prudential requirements
  • Understand the tasks and obligations of the bankers as well as the behavior towards the customer