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Certified Business Technology Professional - Cards & Payments

The payments industry is the lifeblood of the global economy, facilitating trillions of dollars through the banking system everyday. Participants include all financial institutions involved in payments processing, such as banks, non-banking financial institutions, and others. In the last decade, the industry has seen major innovation, powered by technology, across real-time domestic and cross-border payments.


Skill Board Professional certification in Cards & Payments evaluates candidates for comprehensive knowledge of real-time payments, domestic and cross-border payments, SWIFT, card and mobile payments, and the necessary skills to resolve complex problems in operations and technology enabling money movement. The assessment process includes evaluation of a candidate’s professional experience, an online remote proctored test, and may include also an interview with Skill Board Industry practice leaders.

 

Certified Business Technology Professional (CBTP) - Cards & Payments certification is issued to candidates with 5+ years of career experience in technology applications supporting payments processing and successfully passing the assessment for the CBTP certification.

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Who should get certified
  • Business Analysts with 5+ years of experience working in banking and financial services. 
  • Developers and QAs with 5+ years of experience working on SWIFT and payments processing applications.
  • Business Operations Associates with 5+ years of experience working in the financial services industry.
  • Banking professionals with 5+ years of experience who are exploring career opportunities in information technology.
Candidates are evaluated for
  • Knowledge of card payment life cycle.
  • Knowledge of domestic and cross border payments.
  • Understanding of SWIFT and payment messages.
  • Knowledge of financial crimes compliance requirements in the banking industry.
  • Understanding of modern payments platforms and offerings from FinTech firms.
Maintaining the certification
  • Certified Professionals are required to recertify after 5 years, either by taking a recertification assessment or through continuing education credits.
  • Continuing education credits may be earned by taking industry certifications, participating in industry conferences, including professional presentations, and writing industry thought papers published on skillboard.org or other online forums.

 

Assessment weightage by Knowledge Area
DomainWeightage

Payment Methods & Instruments

Cash, Cheque, Bank Transfers (Domestic and Cross Border), Credit Cards, Debit Cards, Prepaid cards, e-Wallet, Deferred Debit Cards.

0-10%

Card Payments

Payment Card Types (Credit, Debit, Prepaid Cards), Card Schemes, Card Technology - Magnetic Stripe Card, EMV Cards, NFC cards, Payment Card Models, Participants in Card Payment Processing, Card Transactions Lifecycle, Interchange Messaging (ISO 8583 Message Standards), Interchange Fees, Card Issuer Revenues, Merchant Costs.

10-20%

Card Fraud Management

Chargebacks, PCI Data Security standards, Transaction Fraud Monitoring & Prevention

10-20%

Global Payment Market Infrastructure

High Value Payments, Low Value Payments, Real-Time Payment, Payment Clearing and Settlement concepts, US Payment System (ACH, Fedwire, CHIPS, RTP), UK Payment System (CHAPS, Bacs, Faster Payments), European Payment System - SEPA Payment Schemes and TARGET2, Cross-Border Payments concepts.

20-30%

SWIFT & Payment Messaging

SWIFTNet messaging services basics, SWIFT MT , MX message types

10-20%

Payments Hub

Service Construct & Functions, Configurations & Ancillary Services, Channels, Sanctions Screening, Fraud, Serial and Cover Methods, Status Management, Payment Accounting, Cut-offs.

10-20%

Fintech Payment Products

FinTech Digital & Mobile Payments Solutions (Alipay, WeChat, M-Pesa, Paytm, UPI, Amazon Pay, Google Wallet, Apple Pay, Plaid, Stripe, Square, Venmo) B2B cross Border Payments -Payoneer, WISE, BNPL services - Affirm, Afterpay, Klarna.

0-10%