Description

A focused course, tailored for you

Payments Compliance at Investment Bank Scale

Build the unified control evidence framework that serves scheme auditors, your prudential supervisor, and AUSTRAC from a single source.

The control evidence your scheme auditor wants for PCI DSS 4.0 and the operational resilience documentation your prudential supervisor wants for CPS 230 cover the same payment infrastructure. They do not speak the same language. Every audit cycle produces two documentation packages where one unified evidence framework would do.

$199 one-time

Tailored to your situation. Access within 24 hours. 30-day money-back.

Includes a hand-built implementation playbook delivered alongside course access, generated for your specific situation.

Why this course

Investment bank payments compliance sits across three distinct regulatory layers: scheme compliance covering PCI DSS, SWIFT CSCF, and card scheme rules; prudential supervision covering APRA CPS 230, CPS 234, and CPS 231; and AML/CTF obligations covering AUSTRAC, FATF, and international funds transfer instruction reporting. Each regulator wants evidence framed for its own taxonomy. Most payments compliance teams run parallel documentation pipelines for what is fundamentally one payment infrastructure. The waste is not in the payment system. It is in the evidence architecture. This course builds the alignment layer: a single control evidence framework that renders into scheme audit format, APRA prudential format, and AUSTRAC transaction monitoring format from one source.

What you walk away with

Design a unified control evidence framework that satisfies scheme auditors, APRA prudential reviewers, and AUSTRAC from a single underlying control register.
Build SWIFT CSCF-aligned correspondent banking controls that map directly to your APRA CPS 230 operational resilience requirements without duplicated documentation work.
Produce AML/CTF transaction monitoring evidence that satisfies AUSTRAC reporting requirements and FATF correspondent banking review expectations from the same source.
Implement PCI DSS 4.0 controls across your investment banking payment environment with documentation designed for scheme audit submission.
Map Visa, Mastercard, and Eftpos scheme rule obligations to your prudential control framework to eliminate the translation work that consumes each audit cycle.

The 12 modules

Module 1. The Payment Compliance Stack for Investment Banking

Investment bank payments compliance sits across three distinct regulatory layers: scheme compliance, prudential supervision, and AML/CTF obligations. This module maps all three layers against your actual payment infrastructure, identifies where they overlap, where they conflict, and where evidence duplication is hiding. You build the master reference framework that underpins the rest of the course, including the control taxonomy and the regulatory inventory specific to your institution's payment activities.

Module 2. PCI DSS 4.0 Implementation for Institutional Payment Environments

PCI DSS 4.0 introduced customised approach controls and requirement-level validation changes that affect how investment banks with multiple payment channels document their cardholder data environment. This module walks through scope definition for a multi-channel institutional environment, compensating control documentation for environments where standard requirements conflict with prudential obligations, and the evidence format scheme auditors accept. You build your scoping document and gap register as module outputs.

Module 3. SWIFT CSCF: Correspondent Banking Controls That Hold Up

SWIFT's Customer Security Controls Framework mandates annual self-attestation for all SWIFT-connected institutions. For investment banks running correspondent banking relationships, the mandatory controls around secure zones, SWIFT infrastructure integrity, and transaction anomaly detection require evidence aligned with your operational environment. This module maps CSCF mandatory controls to the correspondent banking context, builds the self-attestation documentation, and identifies where your existing prudential controls already satisfy CSCF requirements without additional build.

Module 4. APRA CPS 230 Operational Resilience in Payment Systems

CPS 230 requires APRA-regulated institutions to maintain operational resilience for critical operations, including payment processing. This module works through the CPS 230 obligations specific to payment systems: defining critical operations, setting tolerance levels for payment disruption, building the business impact analysis for payment failure scenarios, and creating the mapping between payment system controls and CPS 230 resilience requirements. The output is a CPS 230-compliant resilience documentation set for your payment infrastructure.

Module 5. AML/CTF for Payment Flows: AUSTRAC and FATF Requirements

AUSTRAC's AML/CTF program requirements for payment systems treat transaction monitoring thresholds, cross-border wire transfer reporting, and correspondent banking KYC differently from general financial services obligations. This module builds the payment-specific AML/CTF program elements: transaction monitoring rules for payment flows, international funds transfer instruction reporting processes, and the correspondent banking due diligence documentation that satisfies both AUSTRAC and your FATF partner regulators.

Module 6. Sanctions Screening Architecture for Cross-Border Payments

Cross-border payment flows require real-time sanctions screening against OFAC, UN, EU, and AUSTRAC consolidated lists. For investment banks, the challenge is not the screening itself but the architecture: how to structure screening rules for high-volume correspondent flows without creating operational bottlenecks, how to document your screening approach for regulator review, and how to handle edge cases including PEP hits, false positives, and nested entity ownership that generate compliance escalations. This module builds the operational playbook for each scenario.

Module 7. Scheme Rule Mapping: Visa, Mastercard, and Eftpos Obligations

Visa Core Rules, Mastercard Rules, and Eftpos scheme rules each carry compliance obligations that apply to your acquiring, issuing, or processing activities. Investment banks with payment operations often participate across multiple scheme roles simultaneously. This module maps your scheme participation categories to the specific compliance obligations that apply, identifies where scheme rules conflict with APRA or AUSTRAC requirements, and builds the reconciliation documentation your scheme compliance officer and prudential advisor both need to see.

Module 8. Building the Unified Control Evidence Framework

The core output of this course is a single control evidence framework that renders into PCI DSS audit format, SWIFT CSCF self-attestation format, APRA CPS 230 format, and AUSTRAC program format from one underlying control register. This module designs the framework architecture: control taxonomy, evidence types, ownership mapping, and the rendering logic for each regulatory format. By the end, you have a working template for your institution's payment compliance evidence library.

Module 9. NPP and PayID Compliance for Payment System Participants

Australia's New Payments Platform carries its own compliance obligations for connected financial institutions. NPP participation requires compliance with the NPP Regulations, the NPP Framework, and RBA oversight requirements. This module covers NPP-specific obligations for investment bank participants: real-time payment compliance monitoring, PayID registry management, NPP dispute resolution obligations, and the interface between NPP operational requirements and your existing APRA and AUSTRAC compliance frameworks.

Module 10. Correspondent Banking De-Risking Without Breaking Business

Compliance pressure on correspondent banking relationships has driven many institutions to de-risk by terminating relationships with respondent banks that present documentation gaps. This module builds the correspondent banking due diligence program that allows your institution to maintain business relationships while satisfying AUSTRAC KYC requirements, FATF Recommendation 13, and APRA's expectations for third-party risk in payment operations. You produce the due diligence questionnaire, the risk scoring matrix, and the relationship review documentation.

Module 11. Regulatory Reporting: What Each Regulator Actually Wants to See

AUSTRAC, APRA, and your payment scheme auditors each have distinct expectations for compliance reporting. AUSTRAC wants transaction-level evidence of AML/CTF program effectiveness. APRA wants operational resilience metrics and incident reporting formatted to its templates. Scheme auditors want control-level attestation against their specific frameworks. This module builds the reporting templates, the data sources that feed each template, and the governance process for ensuring each regulator receives the expected evidence package at the required frequency.

Module 12. Running the Payments Compliance Function: Metrics and Governance

A payments compliance function in an investment bank needs operational metrics to demonstrate program effectiveness, a governance structure that connects the function to legal, risk, and operations, and a framework for managing regulatory change as scheme rules, APRA standards, and AUSTRAC requirements evolve. This final module builds your compliance operating model: the KPI dashboard for payments compliance, the governance charter, the regulatory change management process, and the annual program review structure.

How this addresses your situation

Specific modules that map to what you said you are dealing with.

Your SWIFT CSCF self-attestation is due and the evidence you need for the mandatory controls is scattered across payment operations, IT security, and your correspondent banking team with no clear ownership map.

Your APRA review is approaching and your CPS 230 operational resilience documentation for payment systems needs to cover the same controls your PCI DSS scope already captured, formatted for a completely different audience.

AUSTRAC has updated its AML/CTF program guidance for payment system operators and your transaction monitoring rule set was last reviewed before correspondent banking due diligence requirements changed.

A new NPP payment product is launching and neither your scheme compliance framework nor your prudential compliance framework has a clear home for the new regulatory obligations it brings.

What you get with this course

12 text-based modules covering the full payments compliance stack: scheme frameworks, APRA prudential standards, and AML/CTF obligations.
Downloadable templates for every module: control evidence templates, scheme audit submission formats, APRA CPS 230 resilience documentation, and AUSTRAC AML/CTF program elements.
The unified control evidence framework template: the core course output, designed to render into multiple regulatory formats from a single source.
A hand-built implementation playbook tailored to a payments and compliance role at investment bank scale, delivered with course access.

What you will have in hand by Day 1, Week 1, Month 1

Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.

Before and after

Before

Running separate documentation pipelines for PCI DSS, SWIFT CSCF, APRA CPS 230, and AUSTRAC obligations against the same payment infrastructure. Every audit cycle produces duplicate evidence work. Regulatory gaps surface during audits rather than at design time.

After

A unified control evidence framework that renders into any regulator's required format from one source. Scheme audits, APRA reviews, and AUSTRAC program assessments draw from the same evidence library. Regulatory gaps identified at design time, not at audit time.

What happens if you do not address this

Payments compliance teams without a unified evidence framework accumulate audit debt with every regulatory cycle. Each regulator's next visit surfaces the same documentation gaps, because the gaps are structural, not incidental. The cost compounds: duplicated remediation work for parallel frameworks covering the same underlying controls, with each cycle producing evidence that cannot be reused for the next regulator.

Who it is for

You run payments and compliance at an institution where payment flows cross multiple regulatory jurisdictions, correspondent banking relationships, and scheme-rule frameworks simultaneously. You know the documentation your Visa scheme auditor wants looks nothing like what your APRA prudential reviewer expects, even when the underlying control is identical. You are spending a significant portion of each cycle on translation work that would not exist if the evidence framework had been built correctly from the start.

Who this is NOT for. This course is not for retail payment processors focused purely on card-not-present fraud controls. It is not for compliance generalists who want an introductory overview of financial regulation. It is built for payments specialists who already understand the scheme frameworks and need to close the gap between scheme compliance, prudential supervision, and AML obligations in an institutional environment.

How it arrives

Text-based course in the Art of Service learning environment, plus downloadable templates and worked examples for every module, plus the hand-built implementation playbook delivered alongside course access.

Time investment. 12 modules. Most payments compliance practitioners work through two to three modules per week alongside their operational role. Downloadable templates reduce implementation time for each module significantly.

Why $199 is the right number

Scheme auditor-specific training covers one framework in isolation. Internal legal team reviews cover prudential obligations but not scheme rules. Engaging a consultancy to bridge the gap costs considerably more than $199 and produces documentation you cannot maintain yourself. This course builds the skill to do the alignment work internally, on your timetable.

FAQ

Is this course specific to Australian regulatory requirements?

The course covers both Australian-specific obligations including APRA, AUSTRAC, NPP, and RBA requirements, and the global frameworks that apply to cross-border investment banking payments including SWIFT CSCF, FATF, and OFAC sanctions screening. If you operate correspondent banking relationships or cross-border payment flows, the global frameworks are as relevant as the Australian ones.

Does the course cover PCI DSS 4.0 specifically?

Yes. Module 2 works through the PCI DSS 4.0 changes including the customised approach, requirement-level validation changes, and how they interact with your APRA prudential obligations. The templates are built for PCI DSS 4.0.

How does the implementation playbook work?

The hand-built implementation playbook is tailored to a payments and compliance role at investment bank scale. It works through the unified evidence framework design for your specific regulatory mix and provides the document templates, control taxonomy, and governance checklist you need to run your first unified audit cycle.

30-day money-back guarantee. If after a week of working through the materials this is not what you needed, reply to the receipt email and a full refund is processed. No questions, no forms.

Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.