Training Brochure 2015

Finance & Leasing Association

Welcome to the FLA’s Training Brochure for 2015 As the recovery boosts confidence and growth across all the FLA’s markets, staff training will continue to be a priority for many members.

This brochure sets out the full range of training courses available from the FLA. They can be delivered on or off-site.

Our introductory courses cover the key skills for new entrants to the asset finance, consumer credit and motor finance markets, and the advanced courses are tailored for those progressing through the industry.

You will see that we are offering some new courses for 2015 to help members meet the challenge of FCA regulation, including a tutorial on the new consumer credit rulebook, and a broader range of topics addressing the FCA’s general supervisory approach. This will be invaluable for a wide range of industry practitioners.

I do hope you find this brochure useful. If there is another subject you would like to see covered, please let us know.

Stephen Sklaroff

www.fla.org.uk

Contacting the FLA

Finance & Leasing Association Imperial House 15-19 Kingsway London WC2B 6UN T: 020 7836 6511 F: 020 7420 9600 Enquiries: [email protected] Website: www.fla.org.uk

Member Services: Janet Edwards Head of Finance and Resources T: 020 7420 9615 E: [email protected] Ryan White Training Services Manager T: 020 7420 9643 E: [email protected] Events Jon Dear Linda Charles-Richards Commercial Services Manager Events Manager T: 020 7420 9623 T: 020 7420 9626 E: [email protected] E: [email protected]

www.fla.org.uk 4

Contents

3

Welcome

4

Contacting the FLA

6

Foundation Course in Asset Finance

7

Introduction to Consumer Credit

8

Lending Code Workshop

9

Understanding How the FCA Regulates Consumer Credit

10

Understanding Credit Scoring

11

Building Sustainable Repayment Plans for Customers in Default

12

The Consumer Credit Rulebook (CONC) – Understanding the New Rules

13

Consumer Credit Litigation

14

Treating Customers Fairly (TCF)

15

Effective Complaints Handling

16

Consumer Law for Motor Finance Providers

17

Understanding How the FCA Regulates Financial Incentives

18

Lease Accounting and Tax Update

19

Intermediate Leasing

20

Understanding Anti-Money Laundering

21

Operational Risk Management

22

Essential Underwriting Skills

23

Understanding Vehicle Fraud and Investigation Procedures

24

Understanding the Approved Person Regime

25

In-House Training and Additional Courses

26

2015 FLA Conferences and Events Programme / Sponsorship Information

27

Booking Form

28

Terms and Conditions

29

Year Planner

www.fla.org.uk 5

Foundation Course in Asset Finance 2 DAY COURSE

Dates: 2015

The course provides a comprehensive overview of the significant role played by the

21/22 January

asset finance industry in the provision of business finance, and how it is currently

14/15 April

shaped by legal, fiscal and financial imperatives.

27/28 July 20/21 October

By the end of the course delegates will: Fees: FLA Member £850.00 + VAT Non-Member £1095.00 + VAT

Have gained an understanding of Finance Leases, Hire Purchase and Operating Leases Understand the key risks involved in asset finance transactions – credit, fraud and residual risk

CPD points:

Have been introduced to the fundamentals of consumer credit legislation, tax

10 hours SRA or BSB CPD points may be available when you attend this course.

and accounting rules affecting asset finance Have examined the key legal documents required in an asset finance transaction

Who should attend? Sales staff and sales support staff New entrants to the Industry

Trainer Biography: Malcolm Rogers Malcolm worked in banking and asset finance for more than 30 years, and was head of commercial credit underwriting for several major banks.

David Malempre Formerly in litigation, David was group legal adviser at the merchant bank Kleinwort Benson and now advises financial institutions as an independent legal consultant.

FLA Head of Asset Finance says: This course is designed by the industry for the industry and explains in clear terms the products on offer and their varying benefits.

www.fla.org.uk 6

Introduction to Consumer Credit 1 DAY COURSE This introductory course covers advertising, the fundamentals of documentation, key agreements requirements, and exemptions. Delegates will also be given an

Dates: 2015 11 February

overview of current legislation, including the Consumer Credit Act, the Consumer

26 June

Credit Regulations, and the Financial Conduct Authority’s Consumer Credit Source

14 October

Book. Fees:

By the end of the course delegates will: Be aware of the impact of consumer credit regulation on marketing and

FLA Member £440.00 + VAT Non-Member £595.00 + VAT

advertising Understand how consumer credit agreements are structured, and the features of multiple, regulated and exempt agreements

Who should attend?

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Individuals dealing with regulated finance agreements on a day-to-day basis New staff within a regulated consumer credit business Those seeking Approved Person status Compliance officers, operational managers, legal officers, or managers wanting a better understanding of consumer credit regulation

Trainer Biography: Joanne Davis Joanne is a partner in DWF’s Banking and Finance Group, and heads their asset and consumer finance operation. With over 19 years’ experience, she is a specialist in this area.

FLA Head of Consumer Finance says: This course offers a solid grounding in consumer credit regulation - vital for anyone operating in this market.

www.fla.org.uk 7

Lending Code Workshop 1 DAY COURSE

Dates: 2015 09 March 14 September

The latest edition of the FLA Lending Code was published in October 2014 and sets the standard for good practice in consumer lending. All full FLA members, active in the consumer lending market, must comply with the Code and should have appropriate internal monitoring procedures in place.

Non-Member £395.00 + VAT

This workshop will provide an overview of the Code’s requirements, the new standards which have recently been added, and how the FLA monitors compliance. It will also explain how customers can bring complaints under the Code’s Complaints Scheme.

CPD points:

By the end of the course delegates will:

Fees: FLA Member £295.00 + VAT

3 hours SRA or BSB CPD points may be available when you attend this course.

Have an understanding of the provisions in the Code and how they apply to different credit products Understand the Key Commitments of the Code Understand the timescales required by the Code when making changes to a customer’s ‘Terms and Conditions’ Understand how the Annual Compliance process works, and what lenders need to do to show compliance with the Code

Who should attend? Code Compliance Officers Staff responsible for legal and compliance issues Credit intermediaries and brokers Those who deal with complaints from customers

Trainer Biography: Elizabeth Mullins FICA With 15 years’ experience, Elizabeth has held various group and head of compliance roles in a number of financial institutions. She was an FLA Lending Code board member for four years and now specialises in compliance, consulting within the finance and insurance sectors.

FLA Head of Consumer Finance says: This one-day course provides a comprehensive overview of the standards set by the FLA Lending Code and how they are monitored. It is essential that FLA Members understand how the Code operates.

www.fla.org.uk 8

Understanding How the FCA Regulates Consumer Credit 1 DAY COURSE This course provides an overview of how the Financial Conduct Authority (FCA) regulates consumer credit. It also explains the journey from the old regulator (FSA)

Dates: 2015 16 February

to the new one (FCA), and how this transformation has affected what supervision

28 May

looks like today. It will consider what “Principles-Based Regulation” is, and how this

11 September

will be applied to regulated firms. Fees:

By the end of the course delegates will: Understand the FCA’s strategic and operational objectives Understand the FCA’s approach to firm classification and risk-based supervision Understand the journey from interim permission to full authorisation Learn the main regulatory standards, requirements and expectations of firms

FLA Member £440.00 + VAT Non-Member £595.00 + VAT

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Who should attend? Senior managers, compliance officers, legal advisers and regulatory staff responsible for the oversight of the Consumer Credit Regime in their organisation Any individual who is responsible for training and/or briefing internal staff on the new requirements

Trainer Biography: Lorraine Mousley Lorraine has over 20 years’ experience in financial services, 18 of which were gained at a major international banking group. Most recently, Lorraine has been advising firms and individuals on how to meet their regulatory responsibilities in areas such as training and competence, approved persons and retail conduct risk.

FLA Head of Consumer Finance says: This course sets out all the different aspects of FCA regulation and how firms can prepare for these.

www.fla.org.uk 9

Understanding Credit Scoring 1 DAY COURSE

Dates: 2015

Credit scoring is used extensively by lenders when making consumer lending

23 January

decisions. The course examines how scorecards are built, used and managed. It

22 April

focuses on strategy and requires only basic numeracy skills.

30 July 28 October

By the end of the course delegates will: Fees: FLA Member £440.00 + VAT Non-Member £595.00 + VAT

Understand what credit scoring is and why it is used Be familiar with the typical scorecard development process and timings Be aware of the importance of monitoring and tracking the scorecards, and also of the management of scorecard over-rides

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Understand some of the issues relevant to setting the scorecard cut-off

Who should attend? Those involved in lending and decision-making Organisations which need to gain an understanding of what credit scoring is, what it can do, and how it works

Trainer Biography: Chris Curtis Chris is head of bureau analytics at Experian and has more than 25 years’ experience in the methodology and data needed for the development, implementation and monitoring of scoring solutions..

FLA Head of Consumer Finance says: Credit scoring is central to responsible lending. This one-day course looks at how credit scoring can be used effectively as part of the underwriting process.

www.fla.org.uk 10

Building Sustainable Repayment Plans for Customers in Default 1 DAY COURSE Agreeing payment plans can be difficult, including obtaining the required information, validating its accuracy and deciding appropriate repayments for a specific debt. To do this effectively, a positive customer relationship must be established. This course identifies the key information required to efficiently assess different

Dates: 2015 26 January 07 May 07 September

levels of income and expenditure so as to build more effective and sustainable Fees:

repayment plans.

FLA Member £440.00 + VAT

By the end of the course delegates will: Appreciate the need to build trust with customers so that more effective repayment arrangements can be put in place Understand the key income and expenditure criteria Be able to review a number of sample budgets in order to determine repayment amounts within a collections context

Non-Member £595.00 + VAT

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Who should attend? Those who complete income and expenditure budgets, especially those working with customers considered more vulnerable Managers charged with embedding FCA principles connected with the Common Financial Statement (CFS) in their teams or their collections strategy Agencies not currently employing CFS in their debt collection processes

Trainer Biography: Colin Trend The majority of Colin’s experience comes from the independent advice sector. He is the lead tutor for both the Money Advice Trust and the Royal College of Psychiatrists’ debt and mental health and vulnerability training programmes.

FLA Head of Consumer Finance says: This one-day course sets out how to build effective repayment plans to help customers in financial difficulty. It recognises the importance of establishing a relationship with the customer in order to get the best possible resolution for the firm and its customers.

www.fla.org.uk 11

The Consumer Credit Rulebook (CONC) Understanding the New Rules 1 DAY COURSE

Dates: 2015

Consumer, motor and asset finance providers need to navigate carefully through

06 February

the Financial Conduct Authority’s (FCA) new regulatory framework (including PRIN,

04 June

SYSC, GEN and DISP), and the hybrid system of regulation which now applies under

23 September

the Consumer Credit Act 1974 and the FCA’s Consumer Credit Sourcebook (CONC). Using practical examples, this course will familiarise delegates with the provisions

Fees: FLA Member £440.00 + VAT Non-Member £595.00 + VAT

of CONC.

By the end of the course delegates will: Understand the main provisions of CONC

CPD points:

Understand how CONC affects the processes and procedures adopted by their

5 hours SRA or BSB CPD points may be available when you attend this course.

company Understand how CONC fits into the wider FCA Handbook Know that their firm is fully compliant with the new Consumer Credit rules

Who should attend? This course is suitable for anyone in a leadership role with a finance provider, including compliance managers, in-house legal teams and senior recoveries managers

Trainer Biography: Russell Kelsall Russell is a partner in the Litigation and Financial Services Practices Groups of the global law firm, Squire Patton Boggs (UK) LLP. He deals with contentious and noncontentious financial services issues (particularly consumer credit and payment services) and has substantial expertise in matters involving consumer credit.

FLA Head of Consumer Finance says: This one-day course provides a comprehensive overview of the new rules for consumer credit firms and how they will apply in practice. The many regulatory requirements currently applying to this market make consumer credit a challenging area. This course clearly explains how the regulations work.

www.fla.org.uk 12

Consumer Credit Litigation 1 DAY COURSE The regulatory framework for consumer credit is highly complex and has given rise to much litigation. It includes the Consumer Credit Act 1974 (as amended

Dates: 2015 16 March

by the Consumer Credit Act 2006 and the EU Consumer Credit Directive) and the

10 July

Financial Conduct Authority’s Consumer Credit Sourcebook - both of which provide

06 November

challenges for those operating in this market. Fees:

By the end of the course delegates will: Recognise whether a regulated consumer credit or hire agreement is or is not

FLA Member £440.00 + VAT Non-Member £595.00 + VAT

enforceable Understand how the courts have interpreted the unfair relationship provisions Appreciate what creditors must do before taking steps to terminate a regulated agreement or recover goods or land from debtors or hirers Understand the issues affecting second charge lending, complex bills of sale and

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

the enforcement of judgments or orders

Who should attend? Those involved with the recovery of goods, land or money subject to a regulated consumer credit or hire agreement Collections or recovery advisers Compliance officers and managers, and legal officers

Trainer Biography:

Russell Kelsall

Russell is a partner in the Litigation and Financial Services Practices Group of the global law firm, Squire Patton Boggs (UK) LLP. He deals with contentious and noncontentious financial services issues (particularly consumer credit and payment services) and has substantial expertise in matters involving consumer credit.

FLA Head of Consumer says: This one-day course provides an overview of the enforceability of consumer credit contracts and current case law in this area.

www.fla.org.uk 13

Treating Customers Fairly (TCF) 1 DAY COURSE

Dates: 2015

The Financial Conduct Authority (FCA) expects customers’ interests to be at the

02 February

heart of how firms do business. TCF is one of the FCA’s 11 Principles for Business and

08 June

should be a core part of the culture of every financial services organisation.

05 October

This workshop uses case studies to examine the FCA’s six TCF Outcomes, how they should be delivered within a firm’s culture and what Management Information will

Fees: FLA Member £440.00 + VAT Non-Member £595.00 + VAT

be required to evidence this.

By the end of the course delegates will: Appreciate why TCF needs to be embedded within a firm’s culture and how this fits with the FCA’s expectations

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Be able to assess customer outcomes Be aware of how the FCA will assess TCF when taking regulatory action Understand what Management Information is necessary to monitor the outcomes firms are achieving for customers, and identify potential risks before they happen

Who should attend? Chief executive and operating officers, heads of compliance, operations, sales or audit, TCF project managers, compliance officers, and collections teams Anyone interested in the TCF assessment methods used by the Financial Conduct Authority (FCA)

Trainer Biography: Jonathan Hawley-Young With over 25 years in the financial services industry, Jonathan has a wealth of experience researching, designing and delivering training programmes across such diverse themes as treating customers fairly, sales processes, and best practice.

FLA Head of Consumer Finance says: This one-day course will provide a practical insight into how firms can embed TCF within their organisations, as well as the management information needed to monitor the outcomes.

www.fla.org.uk 14

Effective Complaints Handling 1 DAY COURSE Financial services firms regulated by the FCA (including all consumer credit providers) are subject to Dispute Resolution Rules (DISP) for complaints handling.

Dates: 2015 13 February

This course will explore the regulatory expectations and best practice when dealing

15 May

with disputes.

08 September

By the end of the course delegates will: Have a thorough understanding of the procedures required to meet the regulatory standards for dealing with complaints Be able to identify techniques to deal with complaints confidently and positively Know how to listen effectively in order to better resolve conflict

Who should attend?

Fees: FLA Member £440.00 + VAT Non-Member £595.00 + VAT

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Staff responsible for dealing with complaints, including those matters referred to the Financial Ombudsman Service (FOS) Customer relations staff and anyone responsible for implementing and managing complaint handling procedures

Trainer Biography: Phil Dockerill Phil worked in the insurance industry for 25 years and has a wealth of experience in helping firms design and implement effective complaints handling processes, so as to achieve system compliance and enable staff to make accurate decisions.

FLA Head of Consumer Finance says: This is an invaluable course for all those responsible for complaints handling.

www.fla.org.uk 15

Consumer Law for Motor Finance Providers 1 DAY COURSE

Dates: 2015

This one-day course will examine in detail how legislation concerning hire purchase

18 March

and conditional sale agreements defines the creditor’s obligations and responsibilities

09 July

towards their consumer credit customers. The course will also explain the consumer

02 November

protection changes introduced under the Financial Conduct Authority’s consumer credit rulebook (CONC).

Fees: FLA Member £440.00 + VAT Non-Member £595.00 + VAT

By the end of the course delegates will: Understand the different types of contracts that lenders use, and their impact on lenders’ obligations and the rights of consumers

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Have gained an understanding of the Financial Conduct Authority’s regulatory regime for consumer credit and recovery rights of goods subject to finance Have examined the role of a manufacturer’s warranty

Who should attend? Anyone dealing with regulated finance agreements Collections or recovery advisers, legal officers or managers wanting a better understanding of consumer law and its impact on their day-to-day work Experienced practitioners requiring a refresher course

Trainer Biography:

Russell Kelsall

Russell is a partner in the Litigation and Financial Services Practices Groups of the global law firm, Squire Patton Boggs (UK) LLP. He deals with contentious and noncontentious financial services issues (particularly consumer credit and payment services) and has substantial expertise in matters involving consumer credit.

FLA Head of Motor Finance says: This course has been specifically tailored to address the needs of specialist recovery departments in the motor industry.

www.fla.org.uk 16

Understanding How the FCA Regulates Financial Incentives HALF-DAY COURSE This course explains how the Financial Conduct Authority (FCA) expects regulated firms to manage their financial incentive arrangements for staff and third parties such as intermediaries. It considers the regulatory framework, potential sanctions, recent enforcement action by the FCA, and the key features of a compliant incentive scheme.

By the end of the course delegates will:

Dates: 2015 15 January

Fees: FLA Member £295.00 + VAT Non-Member £395.00 + VAT

Understand how incentives can promote mis-selling Be able to identify what the potential risks are and how they can be managed Know how to design incentive arrangements which are fully compliant Recognise the need for monitoring and supervision of staff Be up-to-date with the key employment law issues relating to incentive arrangements

CPD points: 3 hours SRA or BSB CPD points may be available when you attend this course.

Who should attend? Anyone involved in the design, implementation and governance of their firm’s internal and/or external incentive schemes This course is equally relevant to finance companies and to credit brokers, such as motor dealers

Trainer Biography: Paul Fontes and Jonathan Steward from Eversheds LLP Paul advises on all aspects of employment law and has considerable experience of conducting substantial cases in tribunals and the High Court. He also advises on non-contentious matters such as executive severances, collective redundancies and business transfers. With over 15 years of regulatory experience, Jonathan previously worked for the consulting arm of one of the big 4 accountancy firms and was also European and ASPAC compliance officer for a Lloyds managing agency.

FLA Head of Motor Finance says: This half-day course provides an overview of the FCA’s expectations of firms when managing the risks that can arise for consumers from incentive schemes.

www.fla.org.uk 17

Lease Accounting and Tax Update 1 DAY COURSE

Dates: 2015

This course offers delegates an update on recent developments in lease accounting.

08 May 21 September

By the end of the course delegates will: Understand the likely future lease accounting requirements for both lessors and lessees

Fees: FLA Member £440 + VAT Non-Member £595.00 + VAT

Understand the importance of tax to leasing Understand how capital allowances affect lease rental calculations Understand the difference between long funding leases and other leases Appreciate specific anti-avoidance provisions for leasing

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Understand the VAT principles applicable to leasing / HP and current VAT issues in the industry

Who should attend? Tax managers, accountants and analysts Those new to the leasing industry Experienced managers looking for a refresher course

Trainer Biography: George Tonks George is a partner in the specialist leasing and asset finance consultancy, Invigors EMEA LLP, where he has specific responsibility for technical leasing issues. As a chartered accountant, he has particular expertise in lease accounting, taxation and lease evaluation.

FLA Head of Asset Finance says: The course is specifically designed for busy managers who need a concise update of all the key areas in this field.

www.fla.org.uk 18

Intermediate Leasing 3 DAY COURSE Designed to provide a comprehensive understanding of the leasing market (including risk, taxation, documentation, lease evaluation, risk assessment and fraud), this course follows the process of a lease from beginning to end - offering delegates a better understanding of the lessor/lessee position.

By the end of the course delegates will: Have a comprehensive understanding of the impact of taxation on leasing Understand the documentation requirements of operating and finance leases Understand how a lease rental is calculated to give an acceptable net after-tax rate-of-return to the lessor while at the same time remaining competitive Have a framework for assessing the risks in a leasing transaction and an understanding of the frauds to which a lessor could be exposed Understand the accounting treatments applicable to operating and finance leases

Dates: 2015 17-19 February 18-20 May 28-30 September

Fees: FLA Member £1,320.00 + VAT Non-Member £1,595.00 + VAT

CPD points: 15 hours SRA or BSB CPD points may be available when you attend this course.

Understand how to measure the risks and rewards of operating leasing

Who should attend? Tax managers Accountants Those new to tax and lease accounting functions Experienced industry staff and delegates who have previously attended the FLA’s Foundation course in Asset Finance

Trainers: Malcolm Rogers George Tonks John Williamson Tim Moon David Malempre John Bennett

FLA Head of Asset Finance says: The FLA Intermediate Leasing course is used by many firms to help their employees gain an in-depth knowledge of subjects that they deal with on a day-to-day basis.

www.fla.org.uk 19

Understanding Anti-Money Laundering 1 DAY COURSE

Dates: 2015 30 January 21 May 02 October

Fees: FLA Member £440.00 + VAT

Combating money laundering is a regulatory requirement and an integral part of protecting an organisation from fraud and reputational risk. Delegates will be shown how to compare and benchmark controls against the standards of the relevant regulatory bodies. They will also be prompted to review their own organisational systems. The course presentations are supported by case studies and practical guidance throughout.

Non-Member £595.00 + VAT

By the end of the course delegates will: CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Be able to ensure they have in place complete and appropriate risk assessments, systems, controls and documented procedures Be able to introduce new and improved anti-money laundering training techniques Be able to review their internal anti-money laundering compliance programme against industry standards Have a broader understanding of the requirements of a successful anti-money laundering monitoring programme

Who should attend? Compliance officers Regulatory officers Business risk managers with legal functions Money Laundering Reporting Officers (MLRO) or Nominated Officers Board members responsible for financial crime management

Trainer Biography: Stuart Carson Stuart is a barrister and former head of compliance for an international law firm and a number of financial services organisations. He has tailored effective antimoney laundering systems and controls for different types of organisation under a range of regulatory bodies.

FLA Head of Consumer Finance says: Effective Anti-Money Laundering procedures are essential in combatting fraud and are a regulatory requirement. This one-day course explores what controls should be in place.

www.fla.org.uk 20

Operational Risk Management 1 DAY COURSE Operational Risk is defined as the risk of loss resulting from inadequate or failed internal processes, people or systems.

Dates: 2015 03 March

This is a comprehensive introductory course which deals with an essential area of

07 July

non-financial risk management.

03 November

Fees:

By the end of the course delegates will: Have an understanding of risk analysis and monitoring

FLA Member £440.00 + VAT Non-Member £595.00 + VAT

Understand the definition of operational risk and its relationship to other areas of risk management and operations Be familiar with the Operational Risk Management Framework tool Be able to use the recommended model of risk identification and assessment and make risk control decisions Have an understanding of risk analysis and monitoring

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Who should attend? Operational risk managers Those in combined risk functions Business continuity managers, credit and market risk managers, audit managers Compliance managers who need to have a thorough and current understanding of the assessment methods employed by the FCA

Trainer Biography: Ariane Chapelle, PhD, MIRM Ariane is a professional trainer with a background in risk management and internal audit for the ING Group and Lloyds Banking, as well as through academic research and independent consulting.

FLA Head of Consumer Finance says: This one-day course will provide a comprehensive overview of nonfinancial risk management, covering risk analysis and monitoring.

www.fla.org.uk 21

Essential Underwriting Skills 2 DAY COURSE

Dates: 2015

This course presents the essential skills for understanding the financial and non-

27/28 January

financial risks in any lending proposition. Mastering the assessment of these risks is

12/13 May

central to a successful business.

03/04 September

Fees:

By the end of the course delegates will:

FLA Member £850.00 + VAT

Know how to apply the fundamental principles of lending

Non-Member £1095.00 + VAT

Understand the key analytical tools used in financial and non-financial risk assessment Be able to identify the critical indicators of business failure

CPD points: 10 hours SRA or BSB CPD points may be available when you attend this course.

Be equipped with strategies on how to prepare and present high-quality credit submissions Understand the benefits of establishing a consistent methodology for assessing risk

Who should attend? Those involved with the lending decision, in investment organisations, banks and finance houses Sales executives, account managers, credit and risk managers, credit control staff Asset management personnel and administration staff - at all stages of their careers – will also benefit

Trainer Biography: Paul Collis Paul has a wealth of experience in assessing credit management and levels of investment exposure for firms of all sizes.

FLA Head of Consumer Finance says: This course examines the skills that are vital in understanding the financial and non-financial risks in any lending proposition. Mastering the assessment of these risks is central to business success.

www.fla.org.uk 22

Understanding Vehicle Fraud and Investigation Procedures 1 DAY COURSE This course examines the remit of the Association of Chief Police Officers (ACPO) Vehicle Crime Intelligence Service (AVCIS) and will be of interest to finance companies funding the FLA AVCIS scheme.

Dates: 2015 03 February 09 June

Practical work-based case studies will be used to explain the process of fraud

06 October

investigation, including the pro-forma witness statement. The course will cover the appropriate statement content, together with the exhibits needed for a submission to AVCIS.

Fees: FLA Member £440.00 + VAT Non-Member £595.00 + VAT

By the end of the course delegates will: Understand which cases are generally accepted by the police, and the documentation required Understand the relevant fraud legislation and how the police decide under which jurisdiction the offences are reported, recorded and investigated.

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Have examined ‘live’ documents and be able to identify and complete an AVCIS referral form. Have learned the principles of ‘Know Your Customer’ (KYC)

Who should attend? Employees of finance companies Motor dealers and brokers Those involved in the investigation of allegations of fraud, and the recovery and submission of documents and related evidence to the police

Trainer Biography: David Churchill Formerly Head of the West Midlands Economics Crime Unit, David has worked closely with the Serious Fraud Office and also provides financial crime training to investigators, auditors and accountants.

FLA Head of Motor Finance says: This course is invaluable for all members of the FLA who are part of the AVCIS project.

www.fla.org.uk 23

Understanding the Approved Person Regime 1 DAY COURSE

Dates: 2015 09 February

This course provides an overview of the Financial Conduct Authority’s (FCA) Approved Persons regime. The impact of non-compliance and / or non-competence will also be considered, from both an individual’s and a firm’s perspective.

Fees: FLA Member £440.00 + VAT Non-Member £595.00 + VAT

By the end of the course delegates will: Understand the standards that the FCA will apply to all Approved Persons Know about the Code of Practice

CPD points: 5 hours SRA or BSB CPD points may be available when you attend this course.

Know what is meant by “Fitness and Propriety” Have found out what Significant Influence Functions (SIF) are and what SIF interviews involve Have identified how to maintain competence and meet the FCA’s expectations

Who should attend? Approved Persons will be those undertaking any Significant Influence Function within a firm such as: Chief executives Risk managers Audit managers IT and operations managers

Trainer Biography: Lorraine Mousley Lorraine has over 20 years’ experience in financial services, 18 of which were gained at a major international banking group. Most recently, Lorraine has been advising firms and individuals on how to meet their regulatory responsibilities in areas such as training and competence, approved persons and retail conduct risk.

FLA Head of Consumer Finance says: This one-day course provides an excellent insight into the standards all Approved Persons must meet.

www.fla.org.uk 24

FLA’s In-House Training

What we can do for you: Design training as a one-off exercise or on a repeated basis as part of your company’s development curriculum, or as part of a major change programme Personalise our approach by incorporating your corporate culture and goals Provide complete flexibility with regard to location and timings Offer a range of courses to cater for the varied experience levels of your staff

Benefits of in-house training: Eliminates the additional costs of transport and accommodation Lower cost per head can be achieved Flexibility to deliver the training on dates that best suit your business Reduced time away from the office

Other FLA training available on request: We also offer training on the topics listed below and can deliver them in-house to members: Advertising and marketing of consumer credit products Bribery Act 2010 Data protection workshop Debt and mental health How do motor dealers work? How to comply with motor finance regulation PPI complaints workshop Root cause analysis workshop – to help improve your complaints process Tracing gone-aways Understanding motor finance products For further information, please contact:

Ryan White Tel: 020 7420 9643 Email: [email protected]

www.fla.org.uk 25

2015 FLA Conference and Events Programme

As the largest trade body representing the asset finance, consumer finance and motor finance sectors, our high profile conferences and events attract top level speakers from Government and the industry.

Key dates for 2015: 24 February

FLA Annual Dinner

18 March

CFD Conference

21 April

Automotive Financial Crime Conference

14 May

AGM and Spring Drinks Reception

04 June

Annual Golf Day

18 June

AFD Conference

01 December

Christmas Drinks Reception

Networking and sponsorship opportunities - making your voice heard in the industry As the leading trade body for the consumer credit, motor and asset finance sectors, the FLA’s programme of high profile conferences and events attracts top level speakers from Government and the industry. Sponsorship opportunities are available and can be tailored to meet individual marketing and promotional objectives.

Hosting The FLA is always happy to consider offers by members who have suitable premises to host FLA events. If you are interested in hosting an FLA event, please contact Jon Dear to discuss further.

Contacts For information on our sponsorship packages visit the FLA website or contact Jon Dear on 020 7420 9623 or at [email protected] To discuss Annual Dinner sponsorship opportunities please contact Linda Charles-Richards on 020 7420 9626 or at [email protected]

www.fla.org.uk 26

TRAINING COURSE BOOKING FORM FLA, Imperial House, Central London Please copy this booking form and return completed copies to Ryan White either by fax to 020 7420 9648 or you can scan the form and return it via email.

PLEASE USE BLOCK CAPITALS Training course name: Training course date: Booking details Company name: Contact name:

Job title:

Address: Postcode: Telephone:

Email:

Delegate 1

Delegate 2

First name

First name:

Surname:

Surname:

Company:

Company:

Job title:

Job title:

Telephone:

Telephone:

Email:

Email:

Your special needs or dietary requirements:

Your special needs or dietary requirements: Please use additional copies of this form to book more than two delegates.

5 Easy ways to register Phone: Ryan White on +44 (0)20 7420 9643

Fax: +44 (0)20 7420 9648

Web: www.flatraining.org.uk

Email: [email protected]

Post: Ryan White, Training Manager, FLA, Imperial House, 15-19 Kingsway, London WC2B 6UN Course fees: (Please include VAT)

Please provide purchase order no:

Please choose payment type: Please invoice

Payment by cheque

Visa

Mastercard

Credit Card no.: Name (as on card)

------------------------------------------------------------------------------------------------------------------------------ Expiry date on card: __ __ / __ __ Credit card’s registered address (postcode & house/building number only): Postcode:

Street/House/Building No:



Security code (last 3 digits on reverse of card):

Signature:

Cardholder name and address (including company name if applicable) if different from above: Contact name: Address: Postcode: Data Protection: The Finance & Leasing Association will use the data you provide to process your registration. We would also like to keep you informed (by post, telephone, email or fax) of other FLA training courses, products and services. If you do not wish us to do so, please tick this box:

See reverse for our full terms and conditions or visit our website: www.fla.org.uk/training/Terms_and_Conditions.

27

Booking Terms and Conditions

Booking: All bookings should be made using an FLA training course booking form or online at: www.fla.org.uk Invoices will be sent out to FLA members on receipt of a completed form; non-members must pay with a credit/debit card at the time of booking All fees must be paid prior to the course. Joining instructions will sent out approximately two weeks before the start of the course. Breakfast, lunch, refreshments and course literature will be provided on the day

Please note: The quality of FLA courses means they are in high demand. We allocate places on a first-come first-served basis, but numbers are limited to provide the best learning experience . Please contact the training department directly if your company wishes to send more than four delegates on the same course.

Cancellation: All cancellations must be made in writing. Cancellations received more than 30 days prior to the start of the course will incur an administration charge of £70.00 + VAT per delegate. Cancellations received between 15-30 days prior to a course will incur a charge of 50% of the course fee plus the administration charge. There will be no refund for cancellations made within 14 days of the course start date. Transferring from one course to another is treated as a cancellation. You may substitute one delegate for another at no additional cost. Notification must be received in writing by noon of the business day prior the start of the course.

www.fla.org.uk 28

2015 YEAR PLANNER JANUARY

M T W T F S S M T W T F S S M T W T F S S M T W T F S S M T W T F S S M T

www.fla.org.uk

FEBRUARY

MARCH

APRIL

MAY

JUNE 1 2

1

New Year’s Day

1

3

2

4 1

5

4

2

6

3

7

2

3

3 1

5

2

Treating Customers Fairly (TCF)

2

6

6

3

Understanding Vehicle Fraud and Investigation Procedures

3

7

4

4

1

5

4

5

8

Operational Risk Management

The Consumer Credit Rulebook (CONC) Understanding the New Rules

Good Friday

Easter Monday

4

7

5

8

6

Early May Bank Holiday

The Consumer Credit Rulebook (CONC) Understanding the New Rules

8

Treating Customers Fairly (TCF)

9

Understanding Vehicle Fraud and Investigation Procedures

10

5

9

7

Building Sustainable Repayment Plans for Customers in Default

6

10

8

Lease Accounting and Tax Update

11 12

9

6

10

7

7

11

9

13

11

8

8

12

10

14

12

9

13

10

14

11

15

Understanding How the FCA Regulates Financial Incentives

Understanding the Approved Person Regime

Introduction to Consumer Credit

12

16

13

17

14

18

15

Effective Complaints Handling

9

Lending Code Workshop

13

15

11 12

Essential Underwriting Skills

16

13

Essential Underwriting Skills

17

10

14

Foundation Course in Asset Finance

11

15

Foundation Course in Asset Finance

12

16

14

13

17

15

14

18

16

20

15

19

17

21

20

18

Intermediate Leasing

22

21

19

Intermediate Leasing

23

20

Intermediate Leasing

24

Understanding AntiMoney Laundering

25

19

16

Understanding How the FCA Regulates Consumer Credit

20

17

Intermediate Leasing

17

Intermediate Leasing

18

Intermediate Leasing

19

23

21

16

Consumer Credit Litigation

22

18 Effective Complaints Handling

19

21

Foundation Course in Asset Finance

18

22

Foundation Course in Asset Finance

19

23

Understanding Credit Scoring

20

20

24

22

26

21

21

25

23

27 28

24

Consumer Law for Motor Finance Providers

Understanding Credit Scoring

22

22

26

24

26

Building Sustainable Repayment Plans for Customers in Default

23

23

27

25

27

Essential Underwriting Skills

24

24

28

26

28

Essential Underwriting Skills

25

25

29

27

26

26

30

28

27

27

29

28

28

30

29

31

25

29 30

Understanding AntiMoney Laundering

31

Bank Holidays Training

30 31

Spring Bank Holiday

29 30

Understanding How the FCA Regulates Consumer Credit

Introduction to Consumer Credit

Finance & Leasing Association Imperial House, Central London

JULY

AUGUST

SEPTEMBER

OCTOBER

NOVEMBER

1

1 1

2

2 3

3

1

4

Essential Underwriting Skills

2

1

5

5

2

6

7

Operational Risk Management

8 9

7

3

6

Consumer Law for Motor Finance Providers

2 Essential Underwriting Skills

4

4

8

5

9

6

10

DECEMBER

3 4

Understanding AntiMoney Laundering

5

3 4 Building Sustainable Repayment Plans for Customers in Default Effective Complaints Handling

Understanding How the FCA Regulates Consumer Credit

6

1

5

Treating Customers Fairly (TCF)

6

Understanding Vehicle Fraud and Investigation Procedures

2

Consumer Law for Motor Finance Providers

7

3

Operational Risk Management

8

7

4

9

8

5

10

9

6

11

7

11

11

8

12

10

7

12

12

9

13

11

8

13

13

10

14

12

9

14

14

11

15

13

10

15

15

12

16

14

11

16

16

13

17

15

12

17

17

14

18

16

13

18

18

15

19

17

14

19

19

16

20

18

15

20

20

17

21

21

18

22

10

Consumer Credit Litigation

Lending Code Workshop

Lease Accounting and Tax Update

The Consumer Credit Rulebook (CONC) Understanding the New Rules

Introduction to Consumer Credit

Consumer Credit Litigation

16

21

20

Foundation Course in Asset Finance

17

22

21

Foundation Course in Asset Finance

18

23

19

22

19

23

23

20

24

22

19

24

24

21

25

23

20

25

25

22

26

24

21

26

25

22

27

23

28

24

29

25

30 31

23

27

27

Foundation Course in Asset Finance

24

28

Intermediate Leasing

26

28

Foundation Course in Asset Finance

25

29

Intermediate Leasing

27

26

30

Intermediate Leasing

28

26

29 30

Understanding Credit Scoring

31

27

29

26

28

30

27

29

31

28 29

30 31 Bank Holidays Training

Understanding Credit Scoring

Summer Bank Holiday

30

Christmas Day

Boxing Day (Substitute Day)

M T W T F S S M T W T F S S M T W T F S S M T W T F S S M T W T F S S M T

www.fla.org.uk