Professional Certificate

Consumer Protection Risk, Culture and Ethical Behaviour

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  • Duration
  • 1 Trimester
  • Programme
  • 1 Module
  • Study
  • Online
  • Fees
  • €680
  • Level
  • NFQ 7, 5 ECTS
  • This programme qualifies for 50% funding through HCI Pillar 3 Micro-Credentials Learner Fee Subsidy.

    To find out more below.

    Awarding Body

    University College Dublin

    The Professional Certificate in Consumer Protection Risk, Culture and Ethical Behaviour in Financial Services is a single module level 7 qualification and is the industry benchmark culture qualification for people working in the financial services industry across all roles and functions up to senior manager level.

    Highly relevant to all roles and functions including;

    • All financial institutions’ frontline staff

    • All financial institutions’ central functions including compliance, operational risk, internal audit, credit review, legal, finance, information technology and change management 

    • Accredited Product Advisors (APA)

    • Qualified Financial Advisors (QFA)

    • Regulatory bodies

    • Non-financial institutions including auditors, accountants, lawyers, stockbrokers and business consultants who provide risk management advisory services.

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    This programme qualifies for 50% funding through HCI Pillar 3 Micro-Credentials Learner Fee Subsidy.

    To find out more please go here.

    HCI Pillar 3 Learner Fee Subsidy

    How you will benefit

    This programme will provide you with:

    Consumer Protection Risk Assessment:

    • Understanding background, purpose, approach and transition points of CPRA to consumer protection.

    • Understanding the rules on protecting consumers.

    • Components of a good consumer/conduct risk framework.

    • Product Governance, lifecycle, how to develop products correctly.

    • Selling financial products appropriately and ensuring the right outcomes post the sale transactions.

    • Understanding the role of incentives in encouraging the right behaviours and accountability.

    • Monitoring and MI

    Ethics Values and Integrity:

    • Foundational concepts of ethics, values and integrity.

    • Behavioural economics and its relevance in financial services.

    • What it means to be ethical in Financial Services and how the right ethical climate supports good decision making.

    • How ethical behaviours can improve customer outcomes.

    • The role of morality and values in creating the right behaviours.

    • What happens when things go wrong.

    • What obligations do businesses have to customers.

    • How to effectively challenge and escalate.

    • Good and Bad Behaviours

    Culture:

    • Indicators of a sound risk culture.

    • Regulator expectations and reports.

    • Roadmap for achieving desired culture.

    • Governance arrangements around the design, monitoring, and analysis of culture MI.

    • How culture can be assessed in organisations/ culture audits.

    • Understanding the importance of culture in ensuring good customer outcomes.

    • Understanding the role of mind-set and sense-making on behaviours and how this is being applied in supervision of culture and behaviours.

    • Understanding the role of group dynamics.

    • Understanding the impact of biases when making compliance decisions

    Duration & Delivery

    Delivery is online.

    Assessment

    A combination of continuous assessment and an end of trimester two hour written exam.

    IOB programmes are largely delivered and assessed online. Students should ensure they have appropriate equipment (laptop), and that appropriate software (including MSOffice: Office and Word) is available to them to participate in the programme and related assessments (continuous assessments and exams).

    Award

    When you successfully complete this programme, you will be awarded the Professional Certificate in Consumer Protection Risk, Culture and Ethical Behaviour in Financial Services from UCD.

    This is a special purpose award and a level 7 qualification on the National Framework of Qualifications.

    Progression

    The Professional Education Framework is a flexible education pathway that provides learning and development opportunities wherever you are in your career. You can access the framework at any step to take specialist qualifications depending on your career and learning need. Please click here to view the 2024/25 portfolio of programmes.

    Fees

    Consumer Protection Risk, Culture and Ethical Behaviours - €680

    Next intake

    Autumn Trimester 2025-2026 academic year - (Assessment in January 2026).

    Please note that the programme content and fees are subject to change in the 2025/2026 academic year. Any changes will be outlined in the 2025/2026 prospectus and at iob.ie in August - the start of the new academic year.

    Contact

    For more information please contact the Programme Mangager, Susan Freeney at education@iob.ie

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