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Submitted URL: https://emtrack.cliffecentertrain.co.uk/clicked/18500/4678645/3188725626
Effective URL: https://redcliffetraining.com/courses/compliance/financial-promotions?mc_c=100000090&mc_l=&cid=f4453c4e-1d51-ed11-bba3-6045bd0...
Submission: On March 18 via api from CH — Scanned from GB
Effective URL: https://redcliffetraining.com/courses/compliance/financial-promotions?mc_c=100000090&mc_l=&cid=f4453c4e-1d51-ed11-bba3-6045bd0...
Submission: On March 18 via api from CH — Scanned from GB
Form analysis 1 forms found in the DOM
POST ./financial-promotions?mc_c=100000090&mc_l=&cid=f4453c4e-1d51-ed11-bba3-6045bd0e79d6&senddate=2023-03-16&eb=y&utm_source=Transpond&utm_medium=email&utm_campaign=SMARTIntegratingClimateinCreditRiskModelingRISKNONUKEarlyBirdYesStyleFullWidthV3Tier2&mptk=00581_67010984_6265278813_0_465681
<form method="post"
action="./financial-promotions?mc_c=100000090&mc_l=&cid=f4453c4e-1d51-ed11-bba3-6045bd0e79d6&senddate=2023-03-16&eb=y&utm_source=Transpond&utm_medium=email&utm_campaign=SMARTIntegratingClimateinCreditRiskModelingRISKNONUKEarlyBirdYesStyleFullWidthV3Tier2&mptk=00581_67010984_6265278813_0_465681"
id="Form1" style="display: flex; flex-direction: column;" autocomplete="off">
<div class="aspNetHidden">
<input type="hidden" name="__EVENTTARGET" id="__EVENTTARGET" value="">
<input type="hidden" name="__EVENTARGUMENT" id="__EVENTARGUMENT" value="">
<input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE"
value="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<p>This course is a ‘must know’ for:</p>
<ul>
<li>All staff who work with Financial Promotions – whether as a product marketeer/creator or a compliance advisor/overseer</li>
<li>Staff in product marketing and/or product governance</li>
<li>Senior Managers and Team Leaders seeking to gain a better understanding of their responsibilities in this area</li>
<li>Compliance & Risk Officers who want to learn more about the risks and rewards involved</li>
<li>All frontline and other staff operating in a financial firm selling regulated products who either need to know more about this topic, or would like to refresh their skills.</li>
</ul>
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<ul>
<li>We update regularly to include the latest developments including ESG, Crypto Assets and the imminent Consumer Principle 12. There is a lot of fine tuning of Financial Promotions at present.</li>
<li>We have been delivering this training for many years and we have been fortunate enough to train different sized organisations from different sectors of the financial community. As such we are certain we understand the
underlying principles fully for regulated firms of all types.</li>
<li>We are completely up-to-date with FCA current thinking.</li>
<li>We are aware that recent FCA work has combined complaints handling with financial promotions with an expectation – not always met - that a root cause analysis should result in joined-up thinking and processes in these two
critical areas.</li>
<li>We realise that FCA guidance on web-based promotions is now stale. Fortunately, we have been able to discuss this in-depth with many regulated firms and we believe we can add value by sharing collective views on dealing
with the regulatory gaps.</li>
<li>We do not use academics to deliver this workshop. We prefer hands-on, highly experienced practitioners who reached top management levels during their careers and have real experience in managing financial promotions risks.
</li>
<li>The training is aimed at the practitioner and uses a commercial approach, where applicable. We emphasize the critical need to ensure promotions are fully compliant – that must always be the case - but we remind delegates
that promotions must still be appealing enough for the front line to sell the underlying products on our behalf.</li>
<li>We use real-life examples and interesting case studies that illustrate the key points.</li>
<li>Feedback received from previous delegates has always been excellent.</li>
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<li>Keep up to date with the latest news and thoughts around this topic</li>
<li>Explain why financial promotions order matter and why there is so much focus on this area</li>
<li>Understand the rules and be able to follow both the letter and the spirit of FCA guidelines</li>
<li>Create powerful promotions that are capable of selling products appropriately</li>
<li>Understand the approval process and the need for clear internal instructions, guidelines and processes</li>
<li>Recognise the significance and importance of the brand or image advertising and how and when this should be used in preference</li>
<li>Consider some topical and selective practice guidance publications (Thematic Reviews) and their impact on FP’s</li>
<li>Be aware of the impact of the Advertising Standards Authority on FP’s</li>
<li>Become familiar with the “rules” of financial promotions and exceptions</li>
<li>Consider the rules from your organisation’s perspective, COBS 4 & or CONC 3 Know the difference between Real Time Financial Promotion and Non-Real Time Financial promotions and what this distinction means in practice
</li>
<li>Understand the responsibilities of intermediaries, brokers and other third parties</li>
<li>How to approve a Financial Promotion from start to finish</li>
<li>Have in place an effective review process</li>
<li>Expand the understanding of record keeping including time periods, recording communications and FP records requirements</li>
<li>Learn about financial promotions FCA using new media – probably the key marketing media for most firms</li>
<li>Gain insight into prominence and financial promotions looking at the thematic review and the guidance in CONC3</li>
<li>Consider numerous examples and case studies to understand what good and bad look like</li>
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<h4><span style="text-decoration: underline;"><strong>Part One</strong></span></h4>
<h4><strong>Introduction</strong></h4>
<ul>
<li>Latest News</li>
<li>Most recent FCA Complaint Data</li>
</ul>
<h4><strong>Session 1: What is a Financial Promotion?</strong></h4>
<ul>
<li>What is a Financial Promotion</li>
<li>Why do they matter? The meaning of “clear, fair and not misleading”</li>
<li>The meaning of “in the ordinary course of business”</li>
<li>Regulated activities</li>
<li>The vital need to distinguish between regulated and unregulated products</li>
<li>What rules apply – Conc 3, COBS 4 and/or MCOB3A</li>
<li>Media Types – no boundaries – any can be used</li>
<li>Types of financial promotion</li>
<li>Key issues to understand</li>
<li><strong><em>Exercise: Consider some example promotions to determine whether they meet the rules</em></strong></li>
</ul>
<h4><strong>Session 2: What is the drive behind regulation? (Overview)</strong></h4>
<ul>
<li>FCA role, responsibility and general approach to FPs</li>
<li>Principles-Based Regulation versus rules-based regulation</li>
<li>Treating Customers Fairly</li>
<li>Principles for Business – general FCA requirements of a regulated firm</li>
<li>Clear, fair & not misleading in more depth</li>
<li>Real-time promotions</li>
<li>Non-real time promotions</li>
<li><strong><em>Exercise: Consider a proposal from marketing for a promotion. Is it a financial promotion? What changes are needed to either meet the mandatory requirements if it is or to avoid the classification
completely</em></strong></li>
</ul>
<h4><strong>Session 3: FCA Initiatives, Proposals & Consultations – A Lot of Fine Tuning!</strong></h4>
<ul>
<li>New Principle 12 in 2023 "A firm must act to deliver good outcomes for retail clients"</li>
<li>Cross cutting rules and guidance</li>
<li>The need to “act in good faith”</li>
<li>Take all reasonable steps to avoid foreseeable harm to consumers</li>
<li>Take all reasonable steps to enable consumers to pursue their financial objectives</li>
<li>The FCA’s Four Expected Outcomes’</li>
<li>Revisions to Self-Certified Sophisticated Investors criteria</li>
<li>Firms will be is required to "reasonably believe” that an individual is a high net worth individual or self-certified sophisticated investor and not merely to rely on the signed investor statement</li>
<li>Firms to self-assess if they have the necessary skills & knowledge to approve FP’s</li>
<li>Focus on High risk Investments - NRRS. P2P loans, NMPI & SIS</li>
<li>New designations – RRS, RMMI, NNMMI</li>
<li>Risk warnings to be improved</li>
<li>Inducements to be prohibited</li>
<li>Addition of two “positive frictions”</li>
<li>Enhancing the appropriateness test for RMMI’s</li>
<li>Qualifying Crypto Assets Rules</li>
<li>Classifying Crypto’s as MMI’s</li>
<li>Regulatory Gateway</li>
<li>FP’s to include a date stamp and be reviewed more frequently – 3 months is mooted</li>
<li>Records to show how each FP was approved</li>
<li>Stricter rules for enforcing other firms' promotions</li>
</ul>
<h4><strong>Session 4: The General “Rules” (Overview)</strong></h4>
<ul>
<li>Which set of rules applies to your firm</li>
<li>How the FCA regulates</li>
<li>Client categories <ul>
<li>MiFID II definitions </li>
</ul>
</li>
<li>Complexity and risk of individual products: Past, Simulated & Future Performance Data</li>
<li>Direct Offers</li>
<li>Cold Calling</li>
<li>Approving Financial Promotions</li>
<li><strong><em>Exercise: A real-life example to consider and evaluate</em></strong></li>
</ul>
<h4><strong>Session 5: Introduction to the Advertising Standards Authority (Overview)</strong></h4>
<ul>
<li>An independent body</li>
<li>What is its role?</li>
<li>ASA guidance</li>
<li>Non-compliant adverts</li>
<li>ASA complaints procedure</li>
<li>Latest rulings</li>
</ul>
<h4><strong>Session 6: CONC3 (Will be delivered subject to delegate demand)</strong></h4>
<ul>
<li>Definition</li>
<li>Application</li>
<li>APR’s</li>
<li>Representative Examples</li>
<li>Detailed provisions</li>
<li>Risk Warnings</li>
<li><em><strong>Exercise: Reviewing a CONC 3 example</strong></em></li>
</ul>
</div>
<div class="col-6">
<h4><span style="text-decoration: underline;"><strong>Part Two</strong></span></h4>
<h4><strong>Session 1: Financial Promotions Regulation in Practice</strong></h4>
<ul>
<li>The Rules – Refresher</li>
<li>Methodology - Financial Promotions Regulations</li>
<li>Reviewing, investigating, assessing</li>
<li>What to expect on an FCA visit</li>
<li>FCA’s approach to non-compliant promotions</li>
<li>Thematic reviews</li>
<li>Putting together a financial promotion</li>
<li>Common problems with FP’s</li>
</ul>
<h4><strong>Session 2: Financial Promotions Using New Media</strong></h4>
<ul>
<li>FCA Guidance</li>
<li>A detailed review of the Thematic Review</li>
<li>Going Forward – the collective views of regulated firms</li>
</ul>
<h4><strong>Session 3: FCA Approach to Motor Finance – Overview (will be delivered subject to delegate demand)</strong></h4>
<ul>
<li>FCA Review – Final findings March 2019</li>
<li>Key Findings <ul>
<li>Commission structures</li>
<li>Sufficient timely and transparent information</li>
<li>Lender controls</li>
<li>Affordability Assessment</li>
<li>Next steps</li>
</ul>
</li>
<li>Representative Examples</li>
<li><em><strong>Exercise: Looking at a motor finance promotion</strong></em></li>
</ul>
<h4><strong>Session 4: FCA Linking Financial Promotions with Complaints Handling</strong></h4>
<ul>
<li>Why is the FCA linking this with financial promotions?</li>
<li>What are the latest complaints handling rules?</li>
<li>Root Cause analysis</li>
<li>Liaising with FP approvers and the front line</li>
<li>Lessons learned</li>
<li>Holistic approach</li>
<li>FOS rulings</li>
<li><em><strong>Exercise: Looking at recent FOS examples</strong></em></li>
</ul>
<h4><strong>Session 5: Exceptions to the Rules</strong></h4>
<ul>
<li>Is it wise to adopt an exceptions policy – the pros and cons</li>
<li>Impact of MiFID</li>
<li>Other exceptions</li>
</ul>
<h4><strong>Session 6: Record Keeping</strong></h4>
<ul>
<li>Recording communications</li>
<li>Time periods</li>
<li>FP records requirements</li>
</ul>
<h4><strong>Session 7: Prominence & Financial Promotions</strong></h4>
<ul>
<li>Thematic Review – now out of date and not always enforced</li>
<li>CONC 3 on Prominence</li>
</ul>
<h4><strong>Course Conclusion</strong></h4>
<ul>
<li>Summary</li>
<li>Open Forum</li>
</ul>
</div>
</div>
</div>
</div>
</div>
<div class="accordion-item ">
<h2 class="accordion-header">
<button class="accordion-button collapsed" type="button">Background of the Trainer</button>
</h2>
<div class="accordion-collapse collapse ">
<div class="accordion-body element-description">
<p>The trainer had a highly successful, long and varied “fast track” career in Lloyds Bank which led him to a very senior management positions at an early age. He was then “head hunted” to join a merchant bank to head the risk
function at the main board director level. He now has over 40 years of experience in the UK banking and financial services sector.</p>
<p>He has been a freelance Compliance, FCC & AML training consultant since retiring and is currently an external Master Trainer at both HSBC and Bank of China. At HSBC he has been a leading member of their Global FCC &
AML training programme and a Risk Management Programme for senior managers. He has created and delivered training to a vast range of clients, from global giants to small firms and partnerships. He is an accomplished
global trainer and has delivered extensive programmes in the UK, USA, South America, Europe, Africa, Asia and the Middle East.</p>
<p>He is comfortable training at any level of seniority and experience from “black belts” downwards. His expertise includes but is not limited to Risk Management, Trade Finance, Regulatory Compliance, FCC & AML and all
aspects of Corporate, Private & Retail Banking. He can deliver soft skills training, including training the trainer. </p>
</div>
</div>
</div>
<div class="accordion-item ">
<h2 class="accordion-header">
<button class="accordion-button collapsed" type="button">Training Course Summary</button>
</h2>
<div class="accordion-collapse collapse ">
<div class="accordion-body element-description">
<p>Financial Promotions remain a very high-profile issue for the FCA and based on client feedback they are increasingly combining this with reviews of complaints handling procedures to ensure a joined-up process when it comes to
marketing financial products to retail clients. Complaints are seen by the regulator as feedback from the client that something is wrong. It is important that any lessons learned as a result are fed through to the
financial promotions team.</p>
<p>Financial Promotions are the means by which customers are persuaded to buy, invest or use regulated financial products. For retail clients, it is important to remember the FCA financial promotions guidance. The firm promoting
the regulated product or service knows all about the product, its suitability, its strengths and weaknesses and whether it meets the needs of the applicant. The applicant/client does not have this knowledge (normally!) and it
is entirely reasonable for the FCA to expect all regulated firms to recognise this imbalance and manage it accordingly.</p>
<p>Increasingly, social media and the internet are becoming key marketing platforms but promotion can be in almost any form via any media and all promotions must be clear, fair and not misleading and in many cases, this means
exercising judgement. The list of products, investments and services that are now regulated by the FCA Financial Promotions rules is wider than ever since the FCA took over consumer finance. The FCA expects all Financial
Promotions for regulated activities to provide the prospective client with the information needed to make a clear and balanced judgement.</p>
<p>This Financial Promotions course provides participants with a comprehensive overview of the FCA approach and how it applies in practice. We cover the handling of complaints briefly in the context of the expected impact on
promotions. We look at new media, prominence, image advertising, as well as good and bad practices in relation to financial promotions, including exceptions to the rules. There are examples of good and bad practice and the
course points out some common pitfalls to be avoided.</p>
<p><strong>Please Note: if requested in advance there is the option to add some specialised modules such as MCOB 3/ Funeral Plans / / Claim Handling / Leveraged Products etc.</strong></p>
</div>
</div>
</div>
<div class="accordion-item testi">
<h2 class="accordion-header">
<button class="accordion-button collapsed" type="button">Testimonials</button>
</h2>
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<div class="accordion-body element-description">
<ul>
<li>I was looking for an overview of the financial promotions regulations with focus on up to date issues relevant to the products and services I work with. The course delivered this very well in the time frame available</li>
<li>Well paced. The trainer was very engaging and made the subject matter interesting. The content was presented in a clear and easy to understand way.</li>
<li>The course was well presented and the trainer answered all questions. He kept us engaged and answered all questions. Would definitely recommend the course. </li>
<li>The trainer was fantastic and really engaging. The team had lots of positive things to say!</li>
<li>Mark was extremely engaging and made the topic interesting, this had a really positive impact and helped to deliver the important parts, he certainly prevented it from being boring or dry!</li>
</ul>
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<h4 class="fw-700 mb-0"> £ 795.00</h4>
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<h2 id="MainContent_hDiscOfferTitleEBP" class="mt-2 mb-1 text-center "> <strong>Financial Promotions Workshop – Suitable for All Regulated Firms standard price = £ 795.00 per person/part</strong></h2>
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<h4 id="MainContent_hDiscOfferSubTitleEBP" clientidmodel="static" class="mt-3 mb-0 text-center">Book multiple places <strong>on both parts in one order </strong> for the below discounts:</h4>
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<li>2+ places at <strong>40%</strong> less <i class="px-1">=</i> <strong class="line-through themeClr2">£ 1590.00</strong> <strong>£ 954.00</strong> per person</li>
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<h2 class="mb-1 text-center themeBgClr">Early Bird offer valid until <span id="spnEarlyBirdDiscountDt" class="ebDisc-dt">30th March 2023</span>
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<h4 id="MainContent_hDiscountDesc" clientidmodel="static" class="mt-3 mb-0 text-center">The standard price for both parts is £ 1590.00. Book multiple places <strong>on both parts </strong> before the <strong id="stEBDValidTill"
class="ebDisc-dt">30th March 2023</strong> in one order for the below discounts:</h4>
<ul id="MainContent_ulEBDiscPrice" class="text-center">
<li>4+ places at <strong>60%</strong> less <i class="px-1">=</i> <strong class="line-through themeClr2">£ 1590.00</strong> <strong>£ 636.00</strong> per person</li>
<li>6+ places at <strong>70%</strong> less <i class="px-1">=</i> <strong class="line-through themeClr2">£ 1590.00</strong> <strong>£ 477.00</strong> per person</li>
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<p> Prices are subject to change. We strongly advise booking early to secure the places at the prices above. <br> This course can also be run as a tailored live webinar exclusively for you and your team. </p>
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<h2 id="MainContent_hDiscOfferTitle" class="mb-1 text-center "> <strong>Financial Promotions Workshop – Suitable for All Regulated Firms standard price = £ 795.00 per person/part</strong></h2>
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<h4 id="MainContent_hDiscOfferSubTitle" clientidmodel="static" class="mt-3 mb-0 text-center">Book multiple places <strong>on both parts in one order </strong> for the below discounts:</h4>
<ul id="MainContent_ulDiscOfferPrice" class="text-center">
<li>2+ places at <strong>40%</strong> less <i class="px-1">=</i> <strong class="line-through themeClr2">£ 795.00</strong> <strong>£ 477.00</strong> per person/part</li>
<li>4+ places at <strong>50%</strong> less <i class="px-1">=</i> <strong class="line-through themeClr2">£ 795.00</strong> <strong>£ 397.50</strong> per person/part</li>
<li>6+ places at <strong>60%</strong> less <i class="px-1">=</i> <strong class="line-through themeClr2">£ 795.00</strong> <strong>£ 318.00</strong> per person/part</li>
<li>9+ places at <strong>70%</strong> less <i class="px-1">=</i> <strong class="line-through themeClr2">£ 795.00</strong> <strong>£ 238.50</strong> per person/part</li>
</ul>
<p> Prices are subject to change. We strongly advise booking early to secure the places at the prices above. <br> This course can also be run as a tailored live webinar exclusively for you and your team. </p>
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$("#lnkWaitingList").attr("onclick", "fnClosePopupById('dvCourseDateSelect');fnOpenPopupForm('https://redcliffetraining.com/Forms/RegisterInterest.aspx?CPID=179&EnqType=5&cDateID=" + dateID + "')");
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contentType: "application/json; charset=utf-8",
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data: "{courseID:" + courseId + ", qty:" + qty + "}",
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fnCalculateTotal();
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var id = $("#hdnNoAvaillDateID").val();
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type: "POST",
contentType: "application/json; charset=utf-8",
url: oServiceURL,
dataType: "json",
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success: function(Result) {}
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fnCalculateTotal();
fnClosePopupById("dvCourseDateSelect");
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function fnCalculateTotal() {
//var oQty = 0;
//var oPrice = 0;
//var oWasPrice = 0;
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var coursePageID = '179';
var oCourseFee = $("#hdnCourseFee").val();
ebDate = '2023-03-16';
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var placeAvbl = 100;
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$(this).find(".chk-dt-sel").prop("checked", false); //Temp
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fnGetNextAvblDate(courseID, tQty, placeAvbl, courseDateID);
return;
//new end
if (courseID == part2CourseID) {
isValidPartCourse = false;
part2Qty = 0;
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}
});
fnCalc(sCourseDate, qty, isValidPartCourse, part2Qty, true);
} else {
fnCalc(sCourseDate, qty, isValidPartCourse, part2Qty, false);
}
}
function fnCalc(sCourseDate, qty, isValidPartCourse, part2Qty, isDtSel) {
var coursePageID = '179';
var oCourseFee = $("#hdnCourseFee").val();
var ebDate = '2023-03-16';
var oServiceURL = 'https://redcliffetraining.com/WebService.asmx/CalculateCourseTotal';
$.ajax({
type: "POST",
contentType: "application/json; charset=utf-8",
url: oServiceURL,
dataType: "json",
data: "{coursePageID:" + coursePageID + ",courseDate:'" + sCourseDate + "',ebDate:'" + ebDate + "',courseFee:" + oCourseFee + ", qty:" + qty + ", isValidPartCourse:'" + isValidPartCourse + "', oPart2Qty:" + part2Qty + "}",
async: true,
success: function(Result) {
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$("#spnEBDate").html("until " + data.ebDiscValidTill);
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$("#ulDiscOfferPrice2").hide();
$("#ulEBDDiscOfferPrice2").show();
} else {
$("#ulDiscOfferPrice2").show();
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if (isDtSel) {
$("#hdnSelCourse").val(data.oQty);
fnShowTotal(parseFloat(data.oDiscPrice), parseFloat(data.oPrice), parseFloat(data.oWasPrice));
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}
}
});
}
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$("#dvCourseTotal").show();
$("#spnCDDiscount").html(currSymb + oDiscPrice.toFixed(2))
$("#spnCDBasketTotal").html(currSymb + oPrice.toFixed(2))
$("#spnCDGrossTotal").html(currSymb + oWasPrice.toFixed(2))
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$("#spnCDGrossTotal").hide();
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$("#hdnNowPrice").val(oPrice.toFixed(2));
$("#hdnDiscAmt").val(oDiscPrice.toFixed(2));
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$("#pCDDiscount").show();
$("#spnCDGrossTotal").show();
var oQty = $("#hdnSelCourse").val();
var coupon = ($("#hdnEBDiscValid").val() == "True") ? "Early Bird" : "Multiple Places";
var curr = $("#hdnCurrSymb").val() == "£" ? "GBP" : "USD";
var gDiscPrice = oDiscPrice.toFixed(2) / oQty;
var gPrice = (oPrice.toFixed(2) / oQty);
gtmDefault("select_promotion", "SKU-" + $("#hdnPart1CourseID").val(), $("#lnkCourse").html(), curr, gDiscPrice.toFixed(2), gPrice.toFixed(2), oQty, coupon);
}
}
function fnCheckQuantity() {
var Valid = true;
var cQuan = $("#hdnSelCourse");
if (cQuan.val() == "" || parseFloat(cQuan.val()) == 0) {
Valid = false;
}
if (!Valid) {
alert("Please select date");
return false;
} else {
return fnCheckOtherPart()
}
// return Valid;
}
function fnCheckOtherPart() {
$("#hdnIsAddOtherCourse").val("false");
var oPart1Booking = 0;
var oPart2Booking = 0;
var oPart1PlaceAvbl = 0;
var oPart2PlaceAvbl = 0;
var isShowOtherPartPop = false;
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var courseID = $(this).attr("data-course-id");
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var qty = parseInt($(".inp-Qty-" + courseID).val());
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else if (courseID == $("#hdnPart2CourseID").val()) oPart2PlaceAvbl = oPart2PlaceAvbl + placeAvbl;
if ($(this).find(".chk-dt-sel").prop("checked") == true) {
if (courseID == $("#hdnPart1CourseID").val()) {
oPart1Booking = oPart1Booking + qty;
oPart1PlaceAvbl = oPart1PlaceAvbl - qty;
} else if (courseID == $("#hdnPart2CourseID").val()) {
oPart2Booking = oPart2Booking + qty;
oPart2PlaceAvbl = oPart2PlaceAvbl - qty;
}
}
});
}
//if (oPart1Booking > oPart2Booking && oPart2PlaceAvbl > oPart1Booking) {
if (oPart1Booking > oPart2Booking && oPart2PlaceAvbl > oPart1Booking) {
isShowOtherPartPop = true;
$("#hdnOtherCourseExtraPlace").val($("#hdnPart2CourseID").val() + "~" + (oPart1Booking - oPart2Booking));
if (oPart2Booking == 0) $("#hBookedPartMissInfo").html("You've booked " + oPart1Booking + " places on Part One but no place on Part Two, do you want to add same place to Part Two?")
else $("#hBookedPartMissInfo").html("You've booked " + oPart1Booking + " places on Part One but only " + oPart2Booking + " place on Part Two, do you want to add the extra place to Part Two?")
$("#lnkAddAnotherPart").html("ADD PART TWO TO ORDER")
} else if (oPart2Booking > oPart1Booking && oPart1PlaceAvbl > oPart2Booking) {
isShowOtherPartPop = true;
$("#hdnOtherCourseExtraPlace").val($("#hdnPart1CourseID").val() + "~" + (oPart2Booking - oPart1Booking));
if (oPart2Booking == 0) $("#hBookedPartMissInfo").html("You've booked " + oPart2Booking + " places on Part Two but no place on Part One, do you want to add same place to Part One?")
else $("#hBookedPartMissInfo").html("You've booked " + oPart2Booking + " places on Part Two but only " + oPart1Booking + " place on Part One, do you want to add the extra place to Part One?")
$("#lnkAddAnotherPart").html("ADD PART ONE TO ORDER")
}
if (isShowOtherPartPop == true) {
fnOpenPopup();
$("#dvAddOtherPart").addClass('show');
$("#dvAddOtherPart").css("display", "block");
return false;
} else {
return true;
}
}
function fnAddOtherCoursePlace() {
$("#hdnIsAddOtherCourse").val("true");
return Valid;
}
function fnViewOffer() {
fnOpenPopup();
var coupon = "Multiple Places";
if ($("#hdnEBDiscValid").val() == "True" || $("#hdnEBDiscValidTill").val() != "") {
$("#dvEBDiscountOffer").addClass('show');
$("#dvEBDiscountOffer").css("display", "block");
coupon = "Early Bird";
} else {
$("#dvDiscountOffer").addClass('show');
$("#dvDiscountOffer").css("display", "block");
}
var curr = $("#hdnCurrSymb").val() == "£" ? "GBP" : "USD";
gtmDefault("view_promotion", "SKU-" + $("#hdnPart1CourseID").val(), $("#lnkCourse").html(), curr, 0, $("#hdnCourseFee").val(), 0, coupon);
}
function fnHideOffer() {
fnClosePopup();
$("#dvEBDiscountOffer").removeClass('show');
$("#dvEBDiscountOffer").css("display", "none");
$("#dvDiscountOffer").removeClass('show');
$("#dvDiscountOffer").css("display", "none");
}
// Waiting List
// function fnJoinWaitingList() {
// var Valid = true;
// var Msg = "";
// var cFName = $("#txtFirstNameWL");
// if (cFName.val() == "" || cFName.val() == cFName.attr("placeholder")) {
// Msg += "Enter First Name. \n";
// cFName.addClass("errorCSS");
// Valid = false;
// }
// else
// cFName.removeClass("errorCSS");
//
// var cLName = $("#txtLastNameWL");
// if (cLName.val() == "" || cLName.val() == cLName.attr("placeholder")) {
// Msg += "Enter Last Name. \n";
// cLName.addClass("errorCSS");
// Valid = false;
// }
// else
// cLName.removeClass("errorCSS");
//
// var cCompany = $("#txtCompanyWL");
// if (cCompany.val() == "" || cCompany.val() == cCompany.attr("placeholder")) {
// Msg += "Enter Company. \n";
// cCompany.addClass("errorCSS");
// Valid = false;
// }
// else
// cCompany.removeClass("errorCSS");
//
//
// var cNumber = $("#txtNumberWL");
// if (cNumber.val() == "" || cNumber.val() == cNumber.attr("placeholder")) {
// Msg += "Enter Telephone. \n";
// cNumber.addClass("errorCSS");
// Valid = false;
// }
// else
// cNumber.removeClass("errorCSS");
//
//
// var cEmail = $("#txtEmailWL");
// var reg = /^[A-Z0-9._+-]+@[A-Z0-9.-]+\.[A-Z]{2,20}$/i;;
// cEmail.removeClass("errorCSS");
//
//
// if ((cEmail.val() == "" || cEmail.val() == cEmail.attr("placeholder"))) {
// Msg += "Enter Email \n";
// cEmail.addClass("errorCSS");
// Valid = false;
// }
// else if (!reg.test(cEmail.val())) {
// Msg += "Invalid Email \n";
// cEmail.addClass("errorCSS");
// Valid = false;
// }
// else
// cEmail.removeClass("errorCSS");
//
// var cBudget = $("#txtBudgetWL");
// if (cBudget.val() == "" || cBudget.val() == cBudget.attr("placeholder")) {
// Msg += "Enter Budget. \n";
// cBudget.addClass("errorCSS");
// Valid = false;
// }
// else
// cBudget.removeClass("errorCSS");
//
// var cDate = $("#txtDateWL");
// if (cDate.val() == "" || cDate.val() == cDate.attr("placeholder")) {
// Msg += "Enter Week / Month. \n";
// cDate.addClass("errorCSS");
// Valid = false;
// }
// else
// cDate.removeClass("errorCSS");
//
// var cGoogleTxt = $("#txtGoogleTextWL");
// if (cGoogleTxt.val() == "" || cGoogleTxt.val() == cGoogleTxt.attr("placeholder")) {
// Msg += "Enter What you Google. \n";
// cGoogleTxt.addClass("errorCSS");
// Valid = false;
// }
// else
// cGoogleTxt.removeClass("errorCSS");
//
// if ($("#chkAgreeWL").prop("checked") == false) {
// Valid = false;
// Msg += "Please agree Terms and Conditions. \n";
// }
//
// var cddlPeople = $("#ddlPeople");
// if (cddlPeople.val() == "") {
// Msg += "Select Number of people. \n";
// cddlPeople.addClass("errorCSS");
// Valid = false;
// }
// else
// cddlPeople.removeClass("errorCSS");
//
// var cHear = $("#ddlHearTypeWL");
// if (cHear.val() == "") {
// Msg += "Select how did you hear about us. \n";
// cHear.addClass("errorCSS");
// Valid = false;
// }
// else
// cHear.removeClass("errorCSS");
//
// if (!Valid)
// alert(Msg);
// else {
//
// var FName = $("#txtFirstNameWL").val();
// var LName = $("#txtLastNameWL").val();
// var Company = $("#txtCompanyWL").val();
// var Number = $("#txtNumberWL").val();
// var Email = $("#txtEmailWL").val();
// var Budget = $("#txtBudgetWL").val();
// var Date = $("#txtDateWL").val();
// var GoogleText = $("#txtGoogleTextWL").val();
// var HearType = $("#ddlHearTypeWL").val();
// var People = $("#ddlPeople").val();
// var CoursePageID = '179';
// var Message = $("#txtDescWL").val();
//
// var enqType = $("#hdnWLEnquiryType").val();
//
//
// var oServiceURL = 'https://redcliffetraining.com/WebService.asmx/JoinWaitingList';
// var WebURL = 'https://redcliffetraining.com/';
// var path = window.location.pathname;
// var page = path.split("/").pop();
// $.ajax({
// type: "POST",
// contentType: "application/json; charset=utf-8",
// url: oServiceURL,
// dataType: "json",
// data: "{FName:'" + FName + "', LName:'" + LName + "', Company:'" + Company + "', Number:'" + Number + "', Email:'" + Email + "', Budget:'" + Budget + "', Date:'" + Date + "', GoogleText:'" + GoogleText + "', HearType:'" + HearType + "',People:'" + People + "', PageUrl:'" + window.location.href + "',PageName:'" + page + "',CoursePageID:'" + CoursePageID + "' ,Message:'" + Message + "',enqType:'" + enqType + "'}",
// async: false,
// success: function (Result) {
//
// fnClearWaitingListPop();
//
// fnClosePopupById('dvWaitilnList');
// fnOpenPopupById('dvThankMsgPop');
// },
// error: function (Result) {
// }
// });
// }
//
// }
//
// function fnClearWaitingListPop() {
//
// $("#txtFirstNameWL").val("");
// $("#txtLastNameWL").val("");
// $("#txtCompanyWL").val("");
// $("#txtNumberWL").val("");
// $("#txtEmailWL").val("");
// $("#txtBudgetWL").val("");
// $("#txtDateWL").val("");
// $("#txtGoogleTextWL").val("");
// $("#ddlHearTypeWL").val("");
// $("#ddlPeople").val("");
// $("#txtDescWL").val("");
//
//
// $("#txtFirstNameWL").removeClass("errorCSS");
// $("#txtLastNameWL").removeClass("errorCSS");
// $("#txtCompanyWL").removeClass("errorCSS");
// $("#txtNumberWL").removeClass("errorCSS");
// $("#txtEmailWL").removeClass("errorCSS");
// $("#txtBudgetWL").removeClass("errorCSS");
// $("#txtDateWL").removeClass("errorCSS");
// $("#txtGoogleTextWL").removeClass("errorCSS");
// $("#ddlHearTypeWL").removeClass("errorCSS");
// $("#ddlPeople").removeClass("errorCSS");
// $("#txtDescWL").removeClass("errorCSS");
//
// }
$('.bookPlacesNow, .rightSlideTrigger').click(function() {
$('html').addClass('sidebarShown');
$('body').addClass('modal-open');
$('.rightSlide').addClass('visible');
$('.modal-backdrop').removeClass('hide');
$('.modal-backdrop').addClass('show');
});
$('.rightSlide .close').click(function() {
$('html').removeClass('sidebarShown');
$('body').removeClass('modal-open');
$('.rightSlide').removeClass('visible');
$('.modal-backdrop').removeClass('show');
$('.modal-backdrop').addClass('hide');
});
function fnSetPart2Notice() {
if ($("#hdnPart2CourseID").length) {
var p2ID = $("#hdnPart2CourseID").val();
var p1ID = $("#hdnPart1CourseID").val();
$('.p-notice-' + p2ID).each(function() {
var id = $(this).attr("id");
id = id.replace("pDtNotice" + p2ID + "_", "pDtNotice" + p1ID + "_");
$(this).attr("style", $("#" + id).attr("style"));
$(this).html($("#" + id).html());
});
}
}
</script>
<svg xmlns="http://www.w3.org/2000/svg" style="display: none">
<symbol id="twentyFiveStar" viewBox="0 0 140.42 140.3">
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</g>
</g>
</symbol>
<symbol id="hamburger" viewBox="0 0 448 512">
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<symbol id="shopping-bag" viewBox="0 0 448 512">
<path fill=""
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<g transform="matrix(1, 0, 0, 1, 27.009001, -39.238998)">
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</symbol>
<symbol id="arrowRight" viewBox="0 0 31.49 31.49">
<path d="M21.205,5.007c-0.429-0.444-1.143-0.444-1.587,0c-0.429,0.429-0.429,1.143,0,1.571l8.047,8.047H1.111C0.492,14.626,0,15.118,0,15.737c0,
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<symbol id="close" viewBox="0 0 30 30">
<path
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<symbol id="menu" viewBox="0 0 22 22">
<path d="M1 5h20c.6 0 1-.4 1-1s-.4-1-1-1h-20c-.6 0-1 .4-1 1s.4 1 1 1zm20 5h-20c-.6 0-1 .4-1 1s.4 1 1 1h20c.6 0 1-.4 1-1s-.4-1-1-1zm0 7h-20c-.6 0-1 .4-1 1s.4 1 1 1h20c.6 0 1-.4 1-1s-.4-1-1-1z"></path>
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<path
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<path
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<path
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<path
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* +44(0)2073874484 * 0 * Contact us * * 0 View Basket * * * Courses * Course Categories * About Us * Blended & E-Learning * Contact us TRUSTED BY: ‹› * Home * Compliance * Financial Promotions Workshop – Suitable for All Regulated Firms 2 Part Course | Book places now FINANCIAL PROMOTIONS WORKSHOP – SUITABLE FOR ALL REGULATED FIRMS 2 PART COURSE | LEARN THE EXISTING RULES AND UNDERSTAND DEALING WITH THE MULTIPLE CHANGES BEING MADE BY THE FCA A ONE-DAY COURSE PRESENTED IN TWO HALF-DAY LIVE WEBINARS FROM 9:30AM TO 1:00PM UK TIME Book Places Now Back DOWNLOAD: COURSE CATEGORY BROCHURE | COURSE OUTLINE VIDEO OVERVIEW Click to watch a course overview and meet your trainer. Watch on YouTube DO YOU NEED TO ATTEND THIS COURSE? This course is a ‘must know’ for: * All staff who work with Financial Promotions – whether as a product marketeer/creator or a compliance advisor/overseer * Staff in product marketing and/or product governance * Senior Managers and Team Leaders seeking to gain a better understanding of their responsibilities in this area * Compliance & Risk Officers who want to learn more about the risks and rewards involved * All frontline and other staff operating in a financial firm selling regulated products who either need to know more about this topic, or would like to refresh their skills. WHAT MAKES THIS COURSE DIFFERENT? * We update regularly to include the latest developments including ESG, Crypto Assets and the imminent Consumer Principle 12. There is a lot of fine tuning of Financial Promotions at present. * We have been delivering this training for many years and we have been fortunate enough to train different sized organisations from different sectors of the financial community. As such we are certain we understand the underlying principles fully for regulated firms of all types. * We are completely up-to-date with FCA current thinking. * We are aware that recent FCA work has combined complaints handling with financial promotions with an expectation – not always met - that a root cause analysis should result in joined-up thinking and processes in these two critical areas. * We realise that FCA guidance on web-based promotions is now stale. Fortunately, we have been able to discuss this in-depth with many regulated firms and we believe we can add value by sharing collective views on dealing with the regulatory gaps. * We do not use academics to deliver this workshop. We prefer hands-on, highly experienced practitioners who reached top management levels during their careers and have real experience in managing financial promotions risks. * The training is aimed at the practitioner and uses a commercial approach, where applicable. We emphasize the critical need to ensure promotions are fully compliant – that must always be the case - but we remind delegates that promotions must still be appealing enough for the front line to sell the underlying products on our behalf. * We use real-life examples and interesting case studies that illustrate the key points. * Feedback received from previous delegates has always been excellent. TRAINING OBJECTIVES * Keep up to date with the latest news and thoughts around this topic * Explain why financial promotions order matter and why there is so much focus on this area * Understand the rules and be able to follow both the letter and the spirit of FCA guidelines * Create powerful promotions that are capable of selling products appropriately * Understand the approval process and the need for clear internal instructions, guidelines and processes * Recognise the significance and importance of the brand or image advertising and how and when this should be used in preference * Consider some topical and selective practice guidance publications (Thematic Reviews) and their impact on FP’s * Be aware of the impact of the Advertising Standards Authority on FP’s * Become familiar with the “rules” of financial promotions and exceptions * Consider the rules from your organisation’s perspective, COBS 4 & or CONC 3 Know the difference between Real Time Financial Promotion and Non-Real Time Financial promotions and what this distinction means in practice * Understand the responsibilities of intermediaries, brokers and other third parties * How to approve a Financial Promotion from start to finish * Have in place an effective review process * Expand the understanding of record keeping including time periods, recording communications and FP records requirements * Learn about financial promotions FCA using new media – probably the key marketing media for most firms * Gain insight into prominence and financial promotions looking at the thematic review and the guidance in CONC3 * Consider numerous examples and case studies to understand what good and bad look like COURSE CONTENT PART ONE INTRODUCTION * Latest News * Most recent FCA Complaint Data SESSION 1: WHAT IS A FINANCIAL PROMOTION? * What is a Financial Promotion * Why do they matter? The meaning of “clear, fair and not misleading” * The meaning of “in the ordinary course of business” * Regulated activities * The vital need to distinguish between regulated and unregulated products * What rules apply – Conc 3, COBS 4 and/or MCOB3A * Media Types – no boundaries – any can be used * Types of financial promotion * Key issues to understand * Exercise: Consider some example promotions to determine whether they meet the rules SESSION 2: WHAT IS THE DRIVE BEHIND REGULATION? (OVERVIEW) * FCA role, responsibility and general approach to FPs * Principles-Based Regulation versus rules-based regulation * Treating Customers Fairly * Principles for Business – general FCA requirements of a regulated firm * Clear, fair & not misleading in more depth * Real-time promotions * Non-real time promotions * Exercise: Consider a proposal from marketing for a promotion. Is it a financial promotion? What changes are needed to either meet the mandatory requirements if it is or to avoid the classification completely SESSION 3: FCA INITIATIVES, PROPOSALS & CONSULTATIONS – A LOT OF FINE TUNING! * New Principle 12 in 2023 "A firm must act to deliver good outcomes for retail clients" * Cross cutting rules and guidance * The need to “act in good faith” * Take all reasonable steps to avoid foreseeable harm to consumers * Take all reasonable steps to enable consumers to pursue their financial objectives * The FCA’s Four Expected Outcomes’ * Revisions to Self-Certified Sophisticated Investors criteria * Firms will be is required to "reasonably believe” that an individual is a high net worth individual or self-certified sophisticated investor and not merely to rely on the signed investor statement * Firms to self-assess if they have the necessary skills & knowledge to approve FP’s * Focus on High risk Investments - NRRS. P2P loans, NMPI & SIS * New designations – RRS, RMMI, NNMMI * Risk warnings to be improved * Inducements to be prohibited * Addition of two “positive frictions” * Enhancing the appropriateness test for RMMI’s * Qualifying Crypto Assets Rules * Classifying Crypto’s as MMI’s * Regulatory Gateway * FP’s to include a date stamp and be reviewed more frequently – 3 months is mooted * Records to show how each FP was approved * Stricter rules for enforcing other firms' promotions SESSION 4: THE GENERAL “RULES” (OVERVIEW) * Which set of rules applies to your firm * How the FCA regulates * Client categories * MiFID II definitions * Complexity and risk of individual products: Past, Simulated & Future Performance Data * Direct Offers * Cold Calling * Approving Financial Promotions * Exercise: A real-life example to consider and evaluate SESSION 5: INTRODUCTION TO THE ADVERTISING STANDARDS AUTHORITY (OVERVIEW) * An independent body * What is its role? * ASA guidance * Non-compliant adverts * ASA complaints procedure * Latest rulings SESSION 6: CONC3 (WILL BE DELIVERED SUBJECT TO DELEGATE DEMAND) * Definition * Application * APR’s * Representative Examples * Detailed provisions * Risk Warnings * Exercise: Reviewing a CONC 3 example PART TWO SESSION 1: FINANCIAL PROMOTIONS REGULATION IN PRACTICE * The Rules – Refresher * Methodology - Financial Promotions Regulations * Reviewing, investigating, assessing * What to expect on an FCA visit * FCA’s approach to non-compliant promotions * Thematic reviews * Putting together a financial promotion * Common problems with FP’s SESSION 2: FINANCIAL PROMOTIONS USING NEW MEDIA * FCA Guidance * A detailed review of the Thematic Review * Going Forward – the collective views of regulated firms SESSION 3: FCA APPROACH TO MOTOR FINANCE – OVERVIEW (WILL BE DELIVERED SUBJECT TO DELEGATE DEMAND) * FCA Review – Final findings March 2019 * Key Findings * Commission structures * Sufficient timely and transparent information * Lender controls * Affordability Assessment * Next steps * Representative Examples * Exercise: Looking at a motor finance promotion SESSION 4: FCA LINKING FINANCIAL PROMOTIONS WITH COMPLAINTS HANDLING * Why is the FCA linking this with financial promotions? * What are the latest complaints handling rules? * Root Cause analysis * Liaising with FP approvers and the front line * Lessons learned * Holistic approach * FOS rulings * Exercise: Looking at recent FOS examples SESSION 5: EXCEPTIONS TO THE RULES * Is it wise to adopt an exceptions policy – the pros and cons * Impact of MiFID * Other exceptions SESSION 6: RECORD KEEPING * Recording communications * Time periods * FP records requirements SESSION 7: PROMINENCE & FINANCIAL PROMOTIONS * Thematic Review – now out of date and not always enforced * CONC 3 on Prominence COURSE CONCLUSION * Summary * Open Forum BACKGROUND OF THE TRAINER The trainer had a highly successful, long and varied “fast track” career in Lloyds Bank which led him to a very senior management positions at an early age. He was then “head hunted” to join a merchant bank to head the risk function at the main board director level. He now has over 40 years of experience in the UK banking and financial services sector. He has been a freelance Compliance, FCC & AML training consultant since retiring and is currently an external Master Trainer at both HSBC and Bank of China. At HSBC he has been a leading member of their Global FCC & AML training programme and a Risk Management Programme for senior managers. He has created and delivered training to a vast range of clients, from global giants to small firms and partnerships. He is an accomplished global trainer and has delivered extensive programmes in the UK, USA, South America, Europe, Africa, Asia and the Middle East. He is comfortable training at any level of seniority and experience from “black belts” downwards. His expertise includes but is not limited to Risk Management, Trade Finance, Regulatory Compliance, FCC & AML and all aspects of Corporate, Private & Retail Banking. He can deliver soft skills training, including training the trainer. TRAINING COURSE SUMMARY Financial Promotions remain a very high-profile issue for the FCA and based on client feedback they are increasingly combining this with reviews of complaints handling procedures to ensure a joined-up process when it comes to marketing financial products to retail clients. Complaints are seen by the regulator as feedback from the client that something is wrong. It is important that any lessons learned as a result are fed through to the financial promotions team. Financial Promotions are the means by which customers are persuaded to buy, invest or use regulated financial products. For retail clients, it is important to remember the FCA financial promotions guidance. The firm promoting the regulated product or service knows all about the product, its suitability, its strengths and weaknesses and whether it meets the needs of the applicant. The applicant/client does not have this knowledge (normally!) and it is entirely reasonable for the FCA to expect all regulated firms to recognise this imbalance and manage it accordingly. Increasingly, social media and the internet are becoming key marketing platforms but promotion can be in almost any form via any media and all promotions must be clear, fair and not misleading and in many cases, this means exercising judgement. The list of products, investments and services that are now regulated by the FCA Financial Promotions rules is wider than ever since the FCA took over consumer finance. The FCA expects all Financial Promotions for regulated activities to provide the prospective client with the information needed to make a clear and balanced judgement. This Financial Promotions course provides participants with a comprehensive overview of the FCA approach and how it applies in practice. We cover the handling of complaints briefly in the context of the expected impact on promotions. We look at new media, prominence, image advertising, as well as good and bad practices in relation to financial promotions, including exceptions to the rules. There are examples of good and bad practice and the course points out some common pitfalls to be avoided. Please Note: if requested in advance there is the option to add some specialised modules such as MCOB 3/ Funeral Plans / / Claim Handling / Leveraged Products etc. TESTIMONIALS * I was looking for an overview of the financial promotions regulations with focus on up to date issues relevant to the products and services I work with. The course delivered this very well in the time frame available * Well paced. The trainer was very engaging and made the subject matter interesting. The content was presented in a clear and easy to understand way. * The course was well presented and the trainer answered all questions. He kept us engaged and answered all questions. Would definitely recommend the course. * The trainer was fantastic and really engaging. The team had lots of positive things to say! * Mark was extremely engaging and made the topic interesting, this had a really positive impact and helped to deliver the important parts, he certainly prevented it from being boring or dry! NUMBER OF PLACES: PART 1 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Places Filling – book quickly Last Few Places Available View all available dates 09 May 2023 09:30-13:00 UK Time 05 October 2023 09:30-13:00 UK Time NUMBER OF PLACES: PART 2 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Places Filling – book quickly Last Few Places Available View all available dates 10 May 2023 09:30-13:00 UK Time 06 October 2023 09:30-13:00 UK Time £ 795.00 Per participant per part +VAT if applicable DISCOUNTS AVAILABLE: Book multiple places on both parts in one order for the below discounts: 2+ places at 40% less = £ 954.00 per person4+ places at 50% less = £ 795.00 per person6+ places at 60% less = £ 636.00 per person9+ places at 70% less = £ 477.00 per person * 2+ places at 40% less = £ 954.00 per person EARLY BIRD DISCOUNTS AVAILABLE: * 4+ places at 60% less = £ 636.00 per person * 6+ places at 70% less = £ 477.00 per person until 30th March 2023 £ 0.00 Discount £ 0.00 £0.00 Based on current selection ADD TO BASKET REQUEST CALL BACK HAVE THIS COURSE PRESENTED IN-HOUSE * On a date, time and in a location of your choice * Topics expanded or deleted to your bespoke requirements CLICK HERE TO REQUEST A FEE QUOTE HAVE THIS COURSE PRE-RECORDED * Full course recording edited exclusively for your company * Files converted to enable housing on your LMS CLICK HERE TO REQUEST A FEE QUOTE BEFORE YOU CONTINUE YOU'VE BOOKED 2 PLACES ON PART ONE BUT ONLY 1 PLACE ON PART TWO, DO YOU WANT TO ADD THE EXTRA PLACE TO PART TWO? ADD PART TWO TO ORDER NO THANKS, PLEASE CONTINUE POPULAR COURSES Clients that have booked this course have also attended the following courses: View all categories DERIVATIVES AND ISDA® CONFLICTS OF INTEREST - A PRACTICAL GUIDE & WORKSHOP FCA COMPLIANT COMPLAINTS HANDLING ADVANCED SANCTIONS RISKS FINANCIAL PROMOTIONS WORKSHOP – SUITABLE FOR ALL REGULATED FIRMS STANDARD PRICE = £ 795.00 PER PERSON/PART BOOK MULTIPLE PLACES ON BOTH PARTS IN ONE ORDER FOR THE BELOW DISCOUNTS: * 2+ places at 40% less = £ 1590.00 £ 954.00 per person EARLY BIRD OFFER VALID UNTIL 30TH MARCH 2023 THE STANDARD PRICE FOR BOTH PARTS IS £ 1590.00. BOOK MULTIPLE PLACES ON BOTH PARTS BEFORE THE 30TH MARCH 2023 IN ONE ORDER FOR THE BELOW DISCOUNTS: * 4+ places at 60% less = £ 1590.00 £ 636.00 per person * 6+ places at 70% less = £ 1590.00 £ 477.00 per person Prices are subject to change. We strongly advise booking early to secure the places at the prices above. This course can also be run as a tailored live webinar exclusively for you and your team. FINANCIAL PROMOTIONS WORKSHOP – SUITABLE FOR ALL REGULATED FIRMS STANDARD PRICE = £ 795.00 PER PERSON/PART BOOK MULTIPLE PLACES ON BOTH PARTS IN ONE ORDER FOR THE BELOW DISCOUNTS: * 2+ places at 40% less = £ 795.00 £ 477.00 per person/part * 4+ places at 50% less = £ 795.00 £ 397.50 per person/part * 6+ places at 60% less = £ 795.00 £ 318.00 per person/part * 9+ places at 70% less = £ 795.00 £ 238.50 per person/part Prices are subject to change. We strongly advise booking early to secure the places at the prices above. This course can also be run as a tailored live webinar exclusively for you and your team. WE ARE VERY SORRY BUT THERE ARE ONLY SPACES AVAILABLE ON THIS COURSE ON YOUR SELECTED DATE YOU CAN SELECT THE NEXT AVAILABLE DATE BELOW Select next sheduled date Join the waiting list Or to run this as an In-house Course please contact us here Skip this JOIN THE WAITING LIST PLEASE FILL IN YOUR DETAILS BELOW: First Name* Last Name* Your Company* Your Telephone?* Your Email* Which course are you interested in?* For how many people?* Choose your option 1 2 3 4 5 Budget?* Whick week / month would you like to run the course?* How did you hear about us?* Choose your option Search engine(Google, Yahoo, etc.) Recommended by friend or colleague Social Media Blog or publication Other Additional info What did you Google?* I've read and accept the Terms and Conditions *Please fill required fields SUBMIT OUR WEBINAR PLATFORM Our live virtual learning webinars are hosted on Zoom - a platform designed to facilitate an interactive and engaging learning experience that is on par with a classroom. Participants will have live access to the trainers and an opportunity for live Q&A. Our trainers can also make use of the following application features: * Presenting and Screen Sharing -Our trainers can present high-quality slide decks and case studies to the group. * Live annotations – The trainer can highlight their presentation on the fly, directing participants’ attention to the key points. * Virtual whiteboards – Participants can collaborate and share their knowledge, replicating writing on a whiteboard in a live classroom. * Virtual break-out rooms – Participants can be divided into small groups, facilitating group discussion. * Hand raising – Participants can raise a virtual hand to signal that they have a question. * Messaging – Participants will have access to a live chat which can be used to submit questions to either the group or privately to the trainer. THIS COURSE HAS A DIFFERENT PRICING STRUCTURE AND CANNOT BE ADDED TO THE BASKET WITH YOUR OTHER ITEMS. COMPLETE YOUR OTHER ORDERS FIRST. YOU CAN ONLY PRODUCTS WITH SAME CURRENCY CAN BE ADDED TO THE BASKET. CLEAR YOUR BASKET OR FINISH THE ORDER, BEFORE ADDING PRODUCTS WITH ANOTHER CURRENCY TO THE BASKET If booking multiple places, please select the “Request an Invoice” option in the checkout and the invoice sent to you will reflect the discount. Or you can contact us on enquiries@redcliffetraining.co.uk. * * 1 Abbey View * London NW7 4PB * Home * Courses * Blended & E-Learning * Contact us * About Us * Blogs * Vacancies * Terms and Conditions * Privacy policy * Cookies Copyright © 2013-2023 Redcliffe Training | Sitemap | Website by The Whole Caboodle WE USE COOKIES In order to show you courses tailored to your profession we use cookies. To enjoy all the features of this website please accept. 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