Agency Banking
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Program Professional Framework
Agency Banking
Program Overview
Agency banking allows banks and payment providers to deliver services through third-party agents such as retailers, pharmacies and post offices, extending reach at lower cost than branches. This programme covers the full operating model: regulatory frameworks issued by central banks, agent recruitment and due diligence, permitted services and transaction limits, technology platforms including point-of-sale and mobile channels, agent liquidity and cash management, KYC and AML controls at the agent point, fraud prevention, customer protection and network performance management. It is relevant to Gulf banks expanding financial inclusion and remittance services and to institutions operating subsidiaries in markets where agent networks are widely used.
Learning Outcomes
- ✓Explain the main business models for agent networks and the regulatory requirements that govern them.
- ✓Design agent selection, due diligence and onboarding criteria for a bank or payment provider.
- ✓Develop an agent liquidity management approach covering cash-in and cash-out balancing and rebalancing.
- ✓Specify AML, KYC and fraud controls appropriate to agent-based transactions and customer onboarding.
- ✓Build a performance dashboard for an agent network covering activity, revenue, risk and service quality.
Target Audience
- Retail and digital banking managers
- Branch network and alternative channels managers
- Compliance and fraud risk officers in banks and payment providers
- Financial inclusion and mobile money product managers
Detailed Program Modules
01Agent Banking Business Models
- Bank-led and non-bank-led models
- Services offered through agents
- Financial inclusion and remittance use cases
02Regulation and Governance
- Central bank frameworks for agents
- Principal responsibility and liability
- Contracts, exclusivity and consumer protection
03Building the Agent Network
- Agent selection and due diligence
- Onboarding, training and branding
- Network expansion and location planning
04Technology and Operations
- Point-of-sale, mobile and card channels
- Transaction processing and settlement
- Agent liquidity and cash management
05Risk, Compliance and Fraud Controls
- KYC tiers and AML monitoring at agents
- Agent and customer fraud typologies
- Monitoring, audits and sanctions on agents
06Network Performance and Sustainability
- Commission structures and agent economics
- Activity, revenue and service indicators
- Customer experience and network growth
Training Methodology
Applied Project & Assessment
Applied Project
Participants design an agent network proposal for a bank or payment provider, covering the chosen business model, regulatory checklist, agent selection criteria, liquidity management approach, risk and compliance controls and a performance dashboard with target indicators.
Assessment
Short diagnostic at the start, practical tasks linked to each learning outcome, and evaluation of the applied project against published criteria.