SMU Certificate in Commercial Banking for T&O (IBF Level 1)

Programme Code: P160331HMW


IT Architecture, Application & Process Flow for Commercial Banking

The emergence of non-bank service providers is disrupting the business models of incumbent banks. Banks have responded by embarking on initiatives to digitize the banking infrastructure, distribution channels and services.

To be future ready, professionals in Technology & Operations (T&O) need to be multi-disciplinary and possess the ability to combine domain knowledge in products, processes and business development, with the functional skills in technology.

Benchmarked to industry best practices under the Institute of Banking and Finance (IBF) Standards framework, the 3-day SMU Certificate in Commercial Banking for T&O (IBF Level 1) certification program aims to provide participants with a strong foundational domain knowledge in commercial banking products and services, transaction workflow, IT architecture and relevant financial services (FS) IT applications.

Next Course Starts On10 Oct 2018 (Wed) See Full Schedule
Fee SGD2568.00* (as low as SGD256.80* after maximum funding) Learn more

3 Days


Singapore Management University


Introduction to Commercial Banking

  • Customer segments, products & services
  • Typical organization structure

Commercial Loans

  • Types & purpose of loans
  • Credit evaluation framework & process
  • Credit facilities & collateral

Cash Management

  • Payment & collection products
  • Liquidity management
  • Supply chain finance

Treasury Products

  • Currencies & exchange rates
  • Quotations of FX rates
  • FX forward contracts

Trade Finance

  • Introduction to international trade
  • Methods of payment
  • Risk & mitigation
Clearing and Settlement
  • Check clearing flow
  • Clearing & settlement systems
  • Types of settlements
  • Netting and Continuous Link Settlement (CLS)
  • Nostro and Vostro accounts


  • Overview of SWIFT
  • Messaging service offerings
  • SWIFT message types
  • FIN message structure & standards

Commercial Banking Application Architecture

  • IT architecture for commercial banking
  • Payment schematic architecture
  • Host-to-host connectivity
  • Trade finance application architecture

MAS Technology Risk Management Guidelines

  • TRM framework
  • Implications for technology & operations

Who Should Attend

  • New hires/entry level professionals for commercial banking T&O
  • Professionals who work for service providers that support IT projects and services


Participants who complete and pass the assessment will receive the SMU Certificate in Commercial Banking for T&O (IBF Level 1). This program is one of five accredited modules that stacks up to the SMU Professional Certificate in Technology and Operations (IBF Level 1) and the “IBF Qualified” certification by the Institute of Banking & Finance.

Fees and Funding

Program  Fee

S$2,400 (excluding GST)


Net fee payable upfront for eligible self-sponsored applicants:

Singaporeans and PRs
S$720 (excl. GST)

Singaporeans aged 40 years and above
S$240 (excl. GST)

Application form for self sponsored applicants, please click here.


IBF-STS Funding

IBF-STS provides 70% funding, subject to all eligibility criteria being met. For Singapore Citizens aged 40 years and above, IBF-STS provides 90% funding, subject to existing grant caps. For more information, refer to



Start Date(s)
Intake Information

10-12 Oct 2018 (Wed - Fri)

Program is held from 9am - 5pm

Speaker/Trainer Bio

Evelyn Chua is a corporate banking professional with over 21 years’ experience . A career Citibanker, she spent the past 14 years in transaction banking covering trade operations, relationship management, product sales for cash management and trade. In her last role, she held the position as Country Sales Head for Treasury & Trade Solutions, with a portfolio that included banks, financial institutions, public sector companies, MNCS and SMEs. During her tenure, she also facilitated sales and product training for front office staff, hi -potentials and management trainees.

Amelia Ching is a financial IT veteran with over 25 years’ experience. Previously the Head of Risk and Control for Citibank’s Treasury and Trade Solutions Group, her role included IT service management, application production, IT outsourcing management, global internet application Operational Readiness Management and the setup of Global and Regional Application command centre. Amelia has been instrumental in the design and delivery of SMU Academy’s technology related programs, facilitating and delivering both public and custom trainings and consultancy for the academy.


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