Structure an embedded finance sponsorship programme and its division of responsibilities between bank and partner.
Finance & Banking
Embedded Finance Programmes and Partner Oversight for Licensed Banks
Design and govern embedded finance programmes where a licensed bank powers a non-bank brand's financial products, covering partner due diligence and oversight.
🗓️Duration5 training days
📚Content4 modules · 8 sessions
🎓On completionAccredited attendance certificate
About the programme
Course Overview
Embedded finance lets a non-bank brand offer accounts, cards or lending under a licensed bank's charter, and the arrangement generates fee income for the bank while extending its distribution far beyond its own customer base, but supervisors now treat weak oversight of these programmes as a direct extension of the bank's own risk. This course is built for banks acting as sponsors, and for the programme managers and fintechs that sit between them and the end customer. Participants work through how to structure a sponsorship programme, including the licensing model, the division of responsibilities in a programme agreement, and the technical integration through core banking APIs and ledger reconciliation. The course covers partner due diligence specific to embedded finance, including assessment of a fintech's compliance maturity, financial stability and technology resilience, and the ongoing oversight a bank must maintain over customer funds handling, marketing claims and complaint volumes once the programme is live. Sessions also address the regulatory expectations that have emerged around third-party risk management, deposit insurance pass-through disclosure and programme wind-down planning, so participants can build an embedded finance business that scales without becoming the source of the bank's next enforcement action.
Expected Learning Outcomes
Assess a fintech partner's compliance maturity, financial stability and technology resilience before onboarding.
Design ongoing oversight controls covering customer funds handling and marketing claim accuracy.
Build a complaint monitoring and escalation process spanning the bank and its embedded finance partners.
Draft deposit insurance pass-through disclosures that meet regulatory transparency expectations.
Evaluate third-party risk management controls required for a portfolio of multiple embedded finance programmes.
Plan a programme wind-down process that protects end customers if a partner relationship ends.
Who Should Attend
Bank executives sponsoring or considering embedded finance and banking-as-a-service programmes.
Programme managers coordinating between sponsor banks and non-bank brand partners.
Fintech compliance and operations leads working with a sponsor bank relationship.
Third-party risk management specialists overseeing bank partnership portfolios.
Regulatory affairs staff monitoring supervisory expectations for banking-as-a-service.
Product managers designing embedded account, card or lending features for a non-bank brand.
Course Modules
Select any module to see its sessions and points.
01Structuring the Sponsorship Programme
2 sessions · 8 points
Session 1Licensing Models and Responsibility Allocation
- Compare direct sponsorship, program manager and middleware models used in embedded finance structures.
- Draft a programme agreement allocating compliance, funds handling and customer service responsibilities.
- Define which activities remain exclusively within the bank's regulated licence versus delegated functions.
- Assess liability allocation clauses covering fraud losses and regulatory penalties between parties.
Session 2Technical Integration and Ledger Reconciliation
- Map core banking API integration points connecting the bank's ledger to the partner's application.
- Design daily reconciliation controls confirming partner-reported balances match the bank's core ledger.
- Assess settlement timing and float management between the bank and the embedded finance partner.
- Build incident response procedures for ledger discrepancies discovered during reconciliation.
02Partner Due Diligence and Onboarding
2 sessions · 8 points
Session 1Assessing Fintech Partner Readiness
- Evaluate a fintech partner's financial stability and runway before entering a sponsorship agreement.
- Assess a partner's compliance programme maturity, including AML and consumer protection controls.
- Review technology resilience and cybersecurity posture through structured due diligence questionnaires.
- Score partner marketing materials for accuracy before programme launch approval.
Session 2Onboarding Governance and Launch Readiness
- Build a launch readiness checklist covering compliance sign-off, testing and operational handover.
- Design a phased rollout plan limiting initial customer volume before full programme launch.
- Establish a joint governance committee overseeing the partnership from launch through steady state.
- Prepare board-level approval materials summarising programme risk and expected commercial return.
03Ongoing Oversight and Consumer Protection
2 sessions · 8 points
Session 1Funds Handling and Deposit Insurance Disclosure
- Verify that customer funds are held in compliant pass-through or custodial account structures.
- Draft deposit insurance pass-through disclosures meeting regulatory transparency requirements.
- Audit partner marketing claims against actual product terms and insurance coverage scope.
- Build periodic funds reconciliation audits confirming customer balances remain fully backed.
Session 2Complaint Monitoring and Escalation
- Design a shared complaint tracking system spanning the bank, partner and any additional processors.
- Set escalation thresholds triggering bank intervention when complaint volumes rise for a programme.
- Analyse complaint themes to identify systemic product design or communication issues early.
- Report complaint and conduct metrics to the bank's board as part of third-party risk oversight.
04Third-Party Risk Management and Wind-Down Planning
2 sessions · 8 points
Session 1Managing a Portfolio of Embedded Finance Programmes
- Build a risk-tiering framework prioritising oversight intensity across multiple embedded finance partners.
- Design annual reassessment cycles refreshing partner due diligence and financial stability checks.
- Assess concentration risk when several programmes rely on shared underlying infrastructure providers.
- Prepare portfolio-level reporting summarising embedded finance risk exposure to senior management.
Session 2Exit and Wind-Down Planning
- Draft wind-down triggers and notice periods protecting customers if a partnership is terminated.
- Plan customer fund return or account migration procedures for a programme wind-down scenario.
- Build contingency communication plans informing customers of service continuity during transition.
- Document lessons learned from a wind-down to strengthen future partner selection criteria.
What the participant receives
4 course modules
A structured syllabus
8 training sessions
across 5 days
32 detailed points
Applied, detailed content
Accredited attendance certificate
On completing the programme
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