Core Banking & Banking Operations
Systems, Transactions, Controls & Digital Transformation
15 – 19 February 2027
Sandton Centre Johannesburg South Africa
Register Now! Limited Seats Available!
R19, 999.00 Per Delegate
Course overview:
The Core Banking & Banking Operations Programme provides participants with a comprehensive understanding of how modern banks manage their day-to-day operations through core banking systems, digital channels, transaction processing and operational controls.
The programme explores the complete banking operations cycle—from customer onboarding and account management to deposits, withdrawals, payments, transfers, lending, reconciliations, settlements and reporting. It also examines how core banking platforms integrate with digital banking channels, payment systems, ATMs, mobile banking, internet banking and other financial technology solutions.
Participants will gain practical knowledge of operational controls, transaction processing, risk management, fraud prevention, data integrity, reconciliation and service quality. The programme is designed to help banking professionals understand how different departments and systems work together to ensure efficient, accurate, secure and compliant banking operations.
Emphasis will be placed on practical banking scenarios, operational challenges, process improvement and the effective use of technology to strengthen banking service delivery.
Programme Objectives
By the end of the programme, participants should be able to:
• Understand the structure and functions of modern core banking systems.
• Explain the relationship between core banking and front-, middle- and back-office operations.
• Understand customer onboarding, KYC, account opening and account maintenance processes.
• Manage and understand key banking transactions and processing workflows.
• Understand deposits, withdrawals, transfers, payments and settlement processes.
• Understand loan origination, disbursement, repayment and monitoring processes.
• Understand how digital banking, mobile banking, ATMs and electronic payments connect with core banking.
• Apply effective operational controls to minimise errors, losses and operational risks.
• Understand reconciliation, clearing and settlement processes.
• Identify common operational risks, fraud risks and transaction irregularities.
• Understand the importance of data accuracy, integrity, security and confidentiality.
• Analyse operational processes and identify opportunities for automation and process improvement.
• Improve coordination between banking operations, IT, finance, risk, compliance and customer service teams.
• Understand the role of management information and operational reporting in decision-making.
• Apply practical approaches to improving efficiency, customer service and operational resilience.
Who Should Attend
This programme is suitable for:
• Banking Operations Managers
• Heads of Banking Operations
• Branch Managers
• Operations Officers
• Core Banking Officers
• Banking Systems/IT Professionals
• Digital Banking Officers
• Payments and Settlement Officers
• Treasury Operations Staff
• Finance and Reconciliation Officers
• Risk and Compliance Officers
• Internal Auditors
• Customer Service Managers
• Credit and Lending Officers
• Back-office Banking Staff
• Business Analysts
• FinTech and Digital Transformation Teams
• Banking Supervisors and Team Leaders
• Senior and Middle Management involved in banking operations
Course Outline:
Module 1: Introduction to Core Banking & Banking Operations
• Overview of modern banking operations
• Evolution from branch banking to digital banking
• What is a Core Banking System (CBS)?
• Key functions of a core banking platform
• Front office, middle office and back office
• Role of technology in banking operations
• Banking operations value chain
Module 2: Core Banking System Architecture & Components
• Core banking architecture
• Customer and account databases
• Transaction processing
• Product and service configuration
• General ledger integration
• Interfaces and APIs
• Integration with external systems
• Real-time versus batch processing
• System availability and operational resilience
Module 3: Customer & Account Management
• Customer onboarding
• Customer identification and verification
• KYC and customer due diligence
• Account opening and maintenance
• Customer master records
• Individual and corporate accounts
• Account mandates and authorisations
• Account closures and dormant accounts
• Data quality and customer information management
Module 4: Banking Transaction Processing
• Cash deposits and withdrawals
• Internal transfers
• Inter-bank transfers
• Standing orders
• Direct debits
• Electronic funds transfers
• Transaction authorisation
• Transaction limits and controls
• Reversals, corrections and exception processing
• Transaction audit trails
Module 5: Payments, Clearing & Settlement
• Payment systems and payment channels
• Domestic and international payments
• Clearing processes
• Settlement processes
• Payment messaging
• SWIFT and electronic payment environments
• Real-time payment systems
• Failed and rejected transactions
• Payment reconciliation
Module 6: Lending & Credit Operations
• Loan application and origination
• Credit assessment workflow
• Loan approval
• Loan disbursement
• Interest and fee calculations
• Repayment processing
• Arrears and delinquency management
• Loan restructuring
• Loan closure
• Integration of lending modules with core banking
Module 7: Digital Banking & Alternative Channels
• Internet banking
• Mobile banking
• ATM operations
• Point-of-sale transactions
• Digital wallets
• USSD banking
• Agency banking
• Open banking and APIs
• Omnichannel banking
• Customer experience across digital channels
Module 8: Reconciliation & Financial Control
• Importance of banking reconciliation
• Daily operational reconciliation
• Cash and teller reconciliation
• ATM reconciliation
• Payment reconciliation
• General ledger reconciliation
• Suspense accounts
• Identifying and resolving discrepancies
• Exception management
• Operational reporting
Module 9: Operational Risk, Fraud & Internal Controls
• Operational risk in banking
• Common operational failures
• Fraud risks and transaction monitoring
• Segregation of duties
• Maker-checker controls
• Transaction approval controls
• Access controls
• Audit trails
• Incident management
• Business continuity and disaster recovery
Module 10: Banking Technology, Automation & Process Improvement
• Banking automation
• Workflow management
• Straight-through processing (STP)
• APIs and system integration
• Artificial intelligence in banking operations
• Robotic process automation (RPA)
• Data analytics for operations
• Identifying bottlenecks
• Process mapping and redesign
• Improving operational efficiency
Module 11: Operational Management & Service Excellence
• Managing branch and operations teams
• Service-level agreements and KPIs
• Transaction turnaround times
• Customer complaints and resolution
• Operational productivity
• Error reduction
• Quality assurance
• Performance monitoring
• Continuous improvement
End of the workshop
IN HOUSE AND ONLINE TRAINING
While both In-House and Online training can present with cost-effectiveness and time-efficacy, there are some very specific differences between in-house courses and those based online.
The demand for additional courses by individuals or groups of people is increasing. Still, it depends entirely on the preferences of a person what type of training he or she wants to receive. Online courses and in-house training carry some similarities but they are considered to exhibit some very pivotal differences too. Despite that, both types of learning can be really beneficial for attendees.
For Registration and other Training arrangements,
contact us on the detail below.
SOUTH AFRICA : +27 11 057 6001
TANZANIA Cell: +255 687 839 269
WhatsApp +27 82 360 1372 / +27 79 574 0389
info@bmktraining.co.za / www.bmktraining.com
