Express an interest

If you are interested & require further information, we will email you a copy of the programme brochure.

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Data Protection Notice

About this data protection notice

This is a statement of the practices of The Institute of Bankers in Ireland, 1 North Wall Quay, North Dock, Dublin 1 (trading as IOB) (‘the Institute’, ‘we’, ‘us’, ‘our’) in connection with the capture of personal data on this webform and the steps taken by the Institute to respect your privacy.

The Institute is a Data Controller and is committed to protecting your rights and any personal information which you provide to the Institute will be treated with the highest standards of security and confidentiality, in accordance with Irish and European Data Protection legislation.

The privacy notice explains the following:
  • What information do we collect about you?
  • The purpose for collecting your personal data
  • The legal bases for collecting your personal data
  • Are you required to provide the information?
  • How we store and secure personal data?
  • Details of third parties with whom we share personal data
  • What are your rights?
What information do we collect about you?

The data we collect from you will be used by the Institute only in accordance with the purposes outlined in this privacy notice. We will collect your data via webform on

The data collected in this webform will be shared with the following areas of the Institute:

  • Programme Management Department
  • Marketing Department
  • Lifelong Learning Department
The purpose for collecting your data

The data we collect about you will be used for:

  • providing information on the programme(s) for which you have completed an expression of interest webform;
  • notifying you of promotional events related to this designation(s) or programme(s) e.g. Programme Taster Lectures, IOB Open Evening; and
  • advising you of upcoming application and registration closing dates for this designation(s) or programme(s)
The legal basis for collecting your data

For the purposes outlined in this privacy notice your personal data will be processed on the basis of Explicit Consent.

By submitting this webform, you confirm that you are providing your informed consent to the processing of your data as outlined here.

Are you required to provide the information?

We require you to complete the mandatory fields identified in this webform for the purposes outlined above. If you do not provide us with the information required in these fields, we may be unable to process this Expression of Interest form.

How we store and secure your data

Any data we collect from you will be stored confidentially and securely. The Institute is committed to ensuring all accesses to, uses of, and processing of Institute data is performed in a secure manner.

In keeping with the data protection principles, we will only store your data for as long as is necessary to provide our services to you and for such a period of time after this as is necessary to comply with our obligations under applicable law and, if relevant, to deal with any claim or dispute that may arise in connection with our relationship with you.

For the purposes described here we will store your data for one calendar year from the date you submit the webform. Before the end of this calendar year, we may contact you to ask if you wish to re-confirm your consent to the storing and processing of your data for the purposes outlined above.

When we store your personal data on our systems the data will be stored on the Institute’s secure I.T. platforms within the EEA which are also subject to European data protection requirements.

Details of third parties with whom we share personal data

The Institute will share your data with third parties where necessary for purposes of the processing outlined here.

We will share your information with our service providers (e.g. printers, I.T. support, auditors, legal advisors, and other professional advisors).

We may also disclose your information where required by law to do so.

Your information will not be shared with any other third parties.

When we share your data with the third parties outlined here the Institute will ensure that the data is only processed according to our specific instructions and that the same standards of confidentiality and security are maintained. Once the processing of the data is complete any third parties with whom data was shared will be required to return the data to the Institute save where they are required to retain it by law.

What are your rights?

You have the following rights, in certain circumstances and subject to applicable exemptions:

  • You are entitled to ask for a copy of the personal data, which IOB holds about you.
  • The right to have any inaccuracies in your personal data amended.
  • The right to object to the processing of your personal data.
  • The right to have the personal data that we hold about you erased.
  • The right to restrict the processing of your personal data.
  • The right to receive your personal data, which you provided to us, in a structured, commonly used and machine-readable format or to require us to transmit that data to another controller.
  • You have the right to withdraw your consent at any time.

If you have any queries relating to the processing of your personal data for the purposes outlined above or you wish to make a request in relation to your rights, you can contact the Institute’s Data Protection Officer using the contact details below.

If you are unhappy with the way in which your personal data has been processed, you may in the first instance contact the Institute’s Data Protection Officer using the contact details below.

IOB has a Data Protection Officer who can be contacted through [email protected] or by writing to:

The Data Protection Officer, IOB, IFSC, 1 North Wall Quay, Dublin 1.

If you remain dissatisfied then you have the right to apply directly to the Data Protection Commission for a decision. The Data Protection Commission can be contacted at:

Data Protection Commission
Canal House
Station Road
R32 AP23 Co. Laois

The Institute of Bankers in Ireland (a company limited by guarantee) trading as IOB

Registered Number: 197171
Registered Charitable Organisation
Charity Registration Number: 20026950
CHY Number: 10530

P: +353 (0)1 6116500
F: +353 (0)1 6116565
E: [email protected]

Privacy Statement
Terms and conditions

Before you continue...

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Professional Diploma

Banking Operations and Digital

Enrol now for Summer Trimester 2022/2023
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Express an interest
  • Duration
  • Varies
  • Programme
  • Complete 30 ECTS
  • Study
  • Online
  • Fees
  • From €510 p/module
  • Level
  • NFQ 7, 30 ECTS
  • At a glance

    The programme aims to provide you with a learning environment that supports your understanding of key concepts and that challenges you to consider how these concepts apply not only in your own role, but across all areas of financial services. The programme is delivered online, using a blend of recorded elearning and virtual workshops. The objective is to provide you with a range of practical skills and competencies that you can apply to your role while also introducing you to new concepts and theories to broaden your perspectives and problem solving potential.

    Awarding Body

    University College Dublin

    The objective of this programme is to provide you with not only a very practical understanding of how the most common types of complex financial instruments and derivative products are used in the financial markets, but also their use in hedging, risk management and return enhancement strategies.

    How you will benefit

    On completing the Professional Diploma in Banking Operations and Digital, you will be able to:

    • Describe the relationship between business processes, digital technology and data management, in the context of financial services operations noting key stakeholder perspectives: Clients/Customers, Central Bank of Ireland, Financial Services Ombudsman, Data Protection Commissioner, etc

    • Compare and interpret the different kinds and forms of data and how data relates to business intelligence for decision-making and / or predictive modelling

    • Ascertain the benefits and risks (credit, fraud, and conduct/CPRA), advantages and disadvantages for financial services providers of using digital channels and technology to deliver products and services

    • Collect, organise and use data to identify and implement process improvements for operational or organisational efficiency and enhanced customer service

    • Prepare concise reports in response to well defined questions or problems

    • Communicate effectively (orally and in writing) to key stakeholders (employers, peers, clients, regulators, law enforcement agencies) the essence of effective banking operations

    Continuous Professional Development

    If you hold an IOB designation or a designation managed by IOB, CPD hours may be awarded on successful completion of this programme.

    Duration & Delivery

    Delivery is online


    Professional Diploma in Banking, Operations and Digital from UCD. 

    This is a level 7 qualification on the National Framework of Qualifications.


    Modules on the programme will be assessed through a combination of continuous assessment and/or examination. Details of the assessment for each module are set out in students’ study guide which they receive at the commencement of each module.


    • Digital Financial Services €550

    • Introduction to Data Analytics for Financial Services €550

    • Applications of Data Analytics in Digital Financial Services €550

    • Consumer Protection Risk, Culture and Ethical Behaviours €680

    • Responsible and Sustainable Finance €680

    • Introduction to Retail Banking Regulation (UK), Products and Services €510

    • AML, Cyber Security and Financial Crime €600

    • Principles of Credit Assessment (Introduction to Principles of Credit) €595

    Next intake

    • Summer Trimester (2022-2023 academic year)

    Closing date

    • 09 June 2023

    Start date

    • 06 June 2023


    For more information please contact [email protected]

    Modules and learning outcomes

    You must choose to complete 30 ECTS from the following options:

    Digital Financial Services

    (NFQ Level 7, 5 ECTS)

    Describe the information society and explain the impact of digital technologies for economies, business, management and financial services in the medium and long term

    Outline the Information Technology elements, human inputs and processes that go into creating digital services and products

    Describe online banking from both the bank and customer perspective

    Trace how the digitisation of payments has evolved from credit and debit cards to instant online payments, digital wallets and of the emerging business landscape within the digital financial services sector

    Assess technologies, products and services in early stage development that may impact on the digital financial sector

    Introduction to Data Analytics for Financial Services

    (NFQ Level 7, 5 ECTS)

    Explain how Data Analysis and Business Intelligence are being used to modernize and drive value in financial services

    Explain the conceptual foundations of Business Intelligence and describe the project frameworks for successful delivery

    Explain how data is managed, governed and controlled at enterprise scale and how a data analyst carries out data management Apply the fundamental techniques and tools for data analysis Apply the practical skills to develop Business Intelligence report and explain how BI solutions scale to enterprise level

    Applied Data Analytics in Digital Financial Services

    (NFQ Level 7, 5 ECTS)

    Outline how Advanced Analytics is being used to modernize and drive value in financial services. Explain how basic descriptive statistics bring extra rigour and depth to data analysis.

    Draw conclusions from data using the basic techniques of inferential statistics. Use the powerful business technique of A/B testing to determine best outcomes. Explain how predictive modelling techniques are applied to solving real world problems Outline the wider set of analytical tools and how to choose the appropriate tool to solve your business problem.

    Consumer Protection Risk, Culture and Ethical Behaviours

    (NFQ level 7, 5 ECTS)

    Consumer Protection Risk Assessment and Conduct Risk

    Consumer Protection Risk Management Frameworks (CPRMF). Conduct risk and conduct risk standards. Selling financial products appropriately - including outcomes. Understanding of customer experience. Drivers and causes of conduct risk. Constituents of conduct risk including behavioural economics. Relationship with the overall banking risk framework. Conduct risk appetite statements. Conduct risk policies and common metrics. Conduct risk impacts on customers, on employees, the financial institution and on markets.

    Culture and Behaviour

    Understanding the importance of culture in ensuring good customer outcomes. Indicators of an effective 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 role of group dynamics. Diversity, inclusion and its impact on decision making. Understanding the impact of biases when making compliance decisions. Understanding and embedding ‘Consumer Focus’ behaviour. Understanding the role of mind-set and sense-making on behaviours and how this is being applied in supervision of culture and behaviours. CPRA and Behavioural Economics.


    Foundational concepts of ethics, values and integrity. What it means to be ethical in financial services and how the right ethical climate supports good decision-making. What obligations does the financial services industry have to customers? What is the right thing to do?. What happens when things go wrong. How to effectively challenge and escalate.

    Responsible and Sustainable Finance

    (NFQ level 7, 10 ECTS)

    • Introduction to sustainable finance

    • Response to planetary change

    • Catalyst for change and eu regulatory initiatives

    • Principles of responsible banking | IFS Stream – Principles of Responsible Investment

    • Sustainable banking | IFS Stream – Sustainable Funds

    • Non-financial disclosures, climate and sustainable reporting

    • Risk management

    • Green, social and sustainable bonds

    • Implementing a culture of sustainability

    • The future path

    Introduction to Retail Banking Regulation (UK), Products and Services

    (5 ECTS)

    Explain the products and services offered by retail banks. Describe the regulatory infrastructure of the UK financial services industry and the roles and responsibilities of the regulators within a retail banking environment.

    AML, Cyber Security and Financial Crime (NFQ level 7, 5 ECTS)

    (NFQ level 7, 5 ECTS)

    Explain the nature of financial crime and describe its manifestations in International Financial Services.

    Outline the legal and regulatory frameworks relating to financial crime and its prosecution in different jurisdictions.

    Identify different types of financial crime and money laundering activities perpetrated against financial service providers.

    Analyse the risks of financial crime to financial services providers and implement the controls, policies and procedures to mitigate the risks and prevent financial crime.

    Details and schedules for the delivery for each module are set out in the study guides accompanying each module.

    Principles of Credit Assessment (Introduction to Principles of Credit)

    (NFQ level 7, 5 ECTS)

    Explain the canons of lending

    Describe the challenges of SME and personal lending

    Describe the characteristics of business entities

    Understand SME strategy, industry, economic and management team risk assessment

    Understand the primary statements in financial reporting

    Analyse financial information - P&L, balance sheet and cash flows

    Understanding working capital and liquidity

    Prepare and analyse repayment capacity

    Appreciate the implications of financial projections sensitivity analysis

    Explain the different types of security and legal issues affecting security

    Explain covenants and conditions precedent

    Explain the principles of personal lending

    Explain standardised credit assessment including credit scoring in personal lending

    Explain the practical credit assessment challenges in lending to self-employed people

    Understand the challenges of residential mortgage lending

    Understand the challenge of buy-to-let mortgage lending

    Describe the consequence of not lending

    Analyse and understand the personal lending case studies including, private house mortgage application, overdraft facility, personal credit card and personal loan.

    Key Dates

    This programme enrols three times a year.

    L7 and L8 Key Dates

    2022-2023 Exam Schedule

    Next intake

    • Summer Trimester (2022-2023 Academic Year)

    Closing date

    • 09 June 2023

    Start date

    • 06 June 2023

    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

    IOB 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.

    Professional Body Membership

    You must be a current member of IOB, or become a member, to undertake this programme.

    Celebrating 125 years of learning

    1898 | 2023

    IOB was founded in 1898 by a small group of financial services professionals. Today we are Ireland's largest professional membership community.

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