Introduction
The programme “Bancassurance” develops professional practice in Insurance and Compensation. It connects the subject with workplace challenges by examining existing evidence and practices and choosing methods appropriate to the organization and its available resources.
The learning progresses from insurance, claims, and compensation management to financial statement and report analysis, with practical work on banking service and operations management, risk assessment, controls, and response, claims, dispute, and evidence management. Participants prepare outputs to support workplace application and review the quality and results of implementation.
Learning objectives
- Analyze insurance coverage and a claim process, and document the settlement basis in an application related to “Bancassurance”.
- Analyze a banking process and connect service quality to operational risks and controls.
- Prepare a risk register connecting causes, consequences, controls, and treatment responsibilities.
- Prepare a documented claim connecting its basis, facts, effects, and supporting documents.
- Interpret performance, financial position, and cash flows using documented analysis with clear limitations.
Learning areas
1. Insurance, Claims, and Compensation Management
- Read an insurance policy and identify the risk, coverage, limits, exclusions, deductible, and parties, referring to applicable terms and rules.
- Define claim documents, notices, deadlines, and handling procedures, and organize incident data without presuming coverage applies.
- Analyze the relationship between the event, loss, evidence, and estimates, distinguishing confirmed information from matters requiring expertise or further verification.
- Review compensation valuation alternatives, settlement bases, and approval authority, documenting calculations, decision rationale, and available appeal procedures.
- Set indicators for processing time, file accuracy, complaints, and suspicious activity, and improve controls and communication with the claimant during follow-up. The application examines a case related to “Bancassurance”.
2. Banking Service and Operations Management
- Define the customer journey, banking product, and service delivery points, distinguishing front-office service, processing, and control.
- Analyze relationship opening, verification, documentation, and authority requirements, referring to applicable local regulatory instructions.
- Review the risks of errors, delays, fraud, and service disruption, linking them to preventive and detective controls and clear responsibilities.
- Design an operational improvement balancing service speed, customer data protection, financial control, and compliance.
- Select indicators for time, accuracy, complaints, and continuity, and prepare a scenario for addressing a failure and evaluating the responses of the parties involved.
3. Risk Assessment, Controls, and Response
- Define the work context, objectives, and assessment boundaries, and distinguish the risk source, potential event, and effects on results.
- Gather risks from processes, data, past incidents, and interviews with responsible staff, and document causes and existing controls.
- Estimate likelihood and impact using stated criteria, and review control effectiveness to determine residual risk levels.
- Select a response proportionate to the risks, resources, and authority, and specify the owner, deadline, and early warning indicator.
- Test a scenario involving changing circumstances, update the risk register, and present material risks and required decisions to the appropriate authority.
4. Claims, Dispute, and Evidence Management
- Analyze the event giving rise to the claim, notice requirements, jurisdiction, and deadlines by referring to the contract and applicable law.
- Prepare a chronology connecting correspondence, instructions, and execution records, distinguishing facts, estimates, and allegations.
- Identify the relationship between the event and its time or financial effects, examining alternative explanations and the data needed to establish causation.
- Draft a claim file explaining the request, its basis, supporting documents, and calculation method, and review consistency and weaknesses before submission.
- Compare negotiation, settlement, and escalation routes according to authority, cost, and time, and prepare a register of lessons and measures to prevent recurring disputes.
5. Financial Statement and Report Analysis
- Read the relationships between the statements of financial position, performance, and cash flows and the notes, identifying the effects of accounting policies and estimates.
- Perform horizontal and vertical analysis and compare profitability, liquidity, efficiency, and leverage indicators, considering the nature and size of the business.
- Examine earnings quality, cash flows, and nonrecurring items, and identify differences between accounting results and actual liquidity.
- Test the sensitivity of results to changes in sales, costs, collections, and financing, stating the assumptions and constraints in each scenario.
- Write a financial report linking indicators to management's question and available alternatives, presenting risks and additional data needed for the decision.
Practical outputs
- An insurance claim file, coverage matrix, and settlement tracking template.
- A banking process map, control matrix, and service quality indicators.
- A risk register, control matrix, and prioritized treatment plan.
- A claim file, chronology, document matrix, and impact analysis.
- A comparative financial analysis report and a memo of findings and assumptions.
Who should attend
- Practitioners, specialists and supervisors whose work relates to the programme subject.
- Managers and teams working in insurance and compensation, according to their practical responsibilities.
- Professionals responsible for applying the outputs of “Bancassurance” within their organizations.
Prerequisites
- Working familiarity with the programme field and the ability to discuss a professional case or challenge.
- Confirm the suitability of your experience and any specialist prerequisites with the Union before participation.
Conclusion
The programme “Bancassurance” brings together concepts, case review and a practical application. Participants prepare steps that can be adapted to their responsibilities and organizational resources, with an indicator to follow application and review results after returning to work.
Participation arrangements and any special requests are specified in the confirmation issued by the Union.