Professional Certificate in Consumer Protection Risk, Culture and Ethical Behaviour in Financial Services NEW

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The Institute of Banking and the ACOI recently launched two new educational programmes on culture and ethics, which will commence in February 2019.

Who is this programme for?

The programme aims to develop participants’ knowledge of the Consumer Protection Risk Assessment and how it relates to culture, ethics and behaviours and their personal responsibilities in sustaining an effective corporate culture.

The ACOI and IOB strongly believe in the potential of these programmes and the broader role of education in helping to raise professional standards.

How you will benefit

On successful completion of this programme, you will be able to:

- Understand the regulatory expectations of the Central Bank of Ireland’s guide to Consumer Protection Risk Assessment (CPRA)

- Explain the (CPRA) impacts on customers, employees, Financial institutions and on markets

- A deep practical understanding of CPRA product life cycle with emphasis on product development, sales/transaction prices and post-sales handling modules

- Explain why culture is important and what effective consumer focused culture looks like

- Explain ethics in Financial Services, its relevance and importance

- Understand importance of customer experience and its relationship with culture

- An understanding of approaches to Ethical decision-making models, framework and challenge including: whistleblowing, speaking up and managing conflicts of interest

- Understanding consumer focused behaviours.


You study one module:

  • Consumer Protection Risk, Culture and Ethical Behaviours NFQ Level 7, (5 ECTS)


A combination of Continuous assessment and an end-of semester two-hour written exam
The pass mark is 40% in all modules in line with UCD academic policy.

Entry Requirements

The minimum entry requirements are as follows:

•           Five passes in the Leaving Certificate, including English and Mathematics

•           Five O Level/GCSE passes, including English Language and Mathematics.

The Institute will also consider applications on a mature candidate basis from applicants who are 23 years of age before the date of their application for admission to the programme.

Start Date

February 2019

Professional Body Membership

You must be a current member, or become a member of The Institute of Banking if you are not already an ACOI member.


If you are a QFA, CPD member, LCOI or Chartered Banker, you may be awarded formal CPD hours when you successfully complete this qualification.

Designation CPD hours awarded on completion of the programme
QFA, APA, Registered Stockbroker, Grandfather 8 hours (4 in Ethics)
Professional Banker, Chartered Banker, Certified Bank Director 3 hours in Ethics
PIP 4 hours in Ethics
LCOI, FCOI 8 hours (4 in Ethics)
CFCPP, CDPO 2 hours in Ethics

Further information is available here.