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x Importance of payment and settlement system x USA payment systems : Fedwire, CHIPS, NSS, ACH
x Three key elements : Message, Clearing/Netting and Settlement
x China payment systems : CDFCPS/CIPS
x Paper to electronic payments – check truncation/conversion, Check 21,
x Hong Kong payment systems : CHATS
Remote deposit capture
x Canadian payment systems : LVTS
x Payment processing
x Indian payment systems : RTGS, NEFT, IMPS, UPI
x Paper to paper
x Paper to electronic Using cryptocurrencies for making payment
x Introduction to Cryptocurrencies e.g. Bitcoin
x Electronic to paper – Cheque Processing service x Blockchain, Distributed Ledger Technology and Wallets
x Using Cryptocurrencies to make payment e.g. Bitcoin x Transaction processing and mining
x Mobile payments x Pros and cons of Cryptocurrencies
Why does a bank make payments Overview of SWIFT messaging : MT and MX messages
x Role of SWIFT in payment systems
x Own account transactions including position maintenance and cover
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operations
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x Customer transactions
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Risks in Payment Systems : x SWIFT for corporates
x Herstatt risk, Credit Risk,
x Liquidity Risk, Use of codes in payment systems
x Systemic Risk x Codes – IBAN, BBAN, BIC, BEI, UID, UPIC, ABA routing codes, IFSC .
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Overview of foreign exchange from payments perspective
Risk mitigation techniques x Cash, TOM, Spot, Forwards
x Carefully chosen members x Interbank transactions
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x Cash concentration, notional pooling and sweep
Relationship structures x Virtual account management (VAM)
x Correspondent banking x Controlled disbursements, positivepay, reverse positivepay
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x Network managed banking x Lockboxes
Payment types Impact of regulation
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x Local payments x FATF/OFAC compliance
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Coursemodules Participantsspeak:

Module1:Basicsofpaymentsystems
Module2:Risksinpaymentsystems The CIPSP training
was the best training I
Module3:IntroductiontoRTGS/Hybridpaymentsystems have attended so far.
It was well organized
Module4:IntroductiontoSWIFTMTandMXmessages and delivered.
The Program was so carefully designed, that every single second of  
time became very interesting, The way the trainer drove us
through the program was just amazing, there was no confusion or 
bumps during the session
: Maheshkumar, Oracle.

Module5:FedwireRTGSinUSA A participant from The program was very interesting and the trainer made it even more
Bangalore Batch interesting. The basic were made strong first and then the advanced
Module6:CHIPSinUSA topics were taken. This made it easier for everyone. The trainer also
had answers for any questions encountered.
Module7:ACHandNSSoperationsinUSA
: Participant from National Payments Corporation of India (NPCI)
Module8:IntroductiontoSEPAandTARGET2
Module9:SEPASCTandSEPASDD
The program touched upon all the concepts with respect to
Module10:ChinaFCDPS,CIPSandHKMACHATS payments. Getting this much information from a single source
,ZDQWWRWKDQN\RXIRUWKH is simply outstanding.
Module11:LargeValueTransferSystem,Canada ZRQGHUIXOWUDLQLQJVHVVLRQRQ : Saurabh Sharma, HSBC.
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Module14:Cashmanagementproducts OHFWLRQRIGDWDSURFHVVHVDQG completely glued to the course !
VXSSRUWLQJPDWHULDOVWUXFWXUHG : Sanjay Kumar, Oracle
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6ULNULVKQDQ-D\DUDPDQ Very useful program. I had very limited exposure to banking.
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It is a very useful and well designed program . The flow is also

excellent
: Vaibhav Vaze, Barclays.

Very insightful and interactive program !

: Vivek Tiwari British Council.

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x Broad objectives and components of payment system
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x Electronic Payment Systems viz. RTGS, Hybrids and Card Payments
x Payment transactions : Bank to Bank, Bank-to-Customer
Payment Messaging :
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Coursemodules:
x Understanding SWIFT MT/MX message structure
x SWIFT MT Messages for payments i.e. 1XX, 2XX and 9XX
x SWIFT MX messages for payments i.e. PAIN, PACS and CAMT
Module1:Basicsofpaymentsystems
x Message conversion and message processing, message repair
Module2:Basicsofpaperpayments
Payment Exceptions and Investigations
Module3:Electronicpaymentmessaging
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x Exceptions : Unable to apply   ǦSWIFTMT/ISO20022
x Exceptions : Claim non-receipt
Module4:Customerchannelsforelectronicpayments
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x Investigation : Duplicate/Request for duplicate Module5:Paymentengine,paymenthubandSTP
x Investigation : Rejection
x Investigation : Case status report request/report Module6:Fraudsinpaymentsandpaymentanalytics
x Investigation : Debit authorization request/response
x Use of software/applications to automate exceptions/investigations Module7:Currentandfuturetrendsinpayment
Payment Rejects and Returns 
x Understanding rejects and returns
x Understanding SWIFT reject/return guidelines
x Using SWIFT MT/MX messages for reject and return
Payment Engines. Payment Hubs and Straight Through Processing (STP)
x Components of payment engine/payment hub
x How payment engines/payment hubs function
x Payment processing using payment engines / payment hubs
x Payment accounting and transaction reconciliation
x Liquidity and queue management
Payment Accounting and Funds Management
x Payment accounting : Settlement Accounts, Nostro/Nostro Mirrors
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Frauds in Payments
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([SHUW&30( 7KLVFRXUVHLVFRQGXFWHG Introduction to usage of messages in payment systems
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x SWIFT message routing restrictions and message user groups
SD\PHQWV\VWHPV7KHFRXUVHFRYHUVLPSRUWDQW x Understanding Relationship Management Application (RMA)
x Overview of SWIFT MT messages :
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W\SHVDWILHOGPHVVDJHFRPSRQHQWOHYHO7KH30( x Concepts, Terminology and understanding basic fields in SWIFT MT
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x Request for transfer : MT101
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Coursemodules
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x SWIFT MT Reject, Return and transaction cancellation process
x Payment investigations : MT n92, n95, n96 Module1:Introductiontopaymentmessaging
x Message reconciliation and payment/nostro reconciliation process
Module2:BasicsofSWIFTMTmessaging
SWIFT AML Sanctions
x How SWIFT sanctions is used in payment processing Module3:SWIFTMTmessagesforpayments
MX Messaging (ISO20022 XML messages) Module4:ISO20022messagesforpayments
x Understanding the need for ISO20022 messages
x ISO20022 coexistence and convergence Module5:Otherpaymentmessagingstandards
x Overview of XML messages under ISO20022 used for payment
transactions
x Structure of MX messages

x Overview of MX PACS, PAIN, CAMT messages for payments processing
x PACS (Payments Clearing and Settlement)
x PAIN series (Payment Initiation)
x CAMT series (Cash Management)
x Other relevant MX messages
x Use of ISO20022 MX messages in End to end payment transaction
processing : From remitter to beneficiary covering business scenarios
of inward and outward payments.
x Exceptions and investigations in payments using ISO20022 messaging

Overview of other standards for payment messaging
x United Nations EDIFACT messaging standard
x USA ANSI standard/X12/S820
x USA Fedwire messages
x USA CHIPS messages
x UK BACS Standard 18 file format and other reports

Basel III requirement of liquidity management
x Intraday liquidity management BCBS248

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x Brief Introduction to Hardware Requirements

x Brief Introduction to Software Components
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DUHDOVRDYDLODEOHLQ &DUGSD\PHQWVDUHYHU\SRSXODU Introduction to Card Operations
x )UDXGVLQFDUGSD\PHQWV\VWHPVDQGFDUGVHFXULW\
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Registrationdetailsandcoursefees
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x EMV Commands and APDU Command/Response Pairs 
x EMV process of GENERATE 1st AC/GENERATE 2nd AC

x Full STIP, Partial STIP, Co-operative Processing
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Card Frauds and Security Issues: FDOO
x Card frauds 
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Card Standards
x Payment Card Industry Data Security Standards (PCI DSS)
x EMV Standards
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Card Analytics
x Card Analytics : TRIAD/Strategyware

Regulation
x Dodd-Frank, USA
x EPC regulation on mobile cards in European Union
and SEPA Cards

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