Certified Personal Banker (CPB)

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Bank Training Center offers CPB training and certification information for those individuals interested in earning the prestigious Certified Personal Banker certification.

The Certified Personal Banker (CPB) certification is the undisputed professional credential for financial services professionals who have completed the AIB Personal Banking Diploma and who function as personal bankers.

The CPB designation signifies that an individual working in this field has attained comprehensive training in the following professional knowledge areas: Sales and Service, Banking and Financial Analysis, Specific Business Competencies, and Ethics.

Curriculum

Candidates must pass an examination that covers the knowledge areas below:

1. Sales and Service (60% of the exam)

Sales
- Consumer Credit Products
- Cross-Selling Deposit Products
- Introduction to Relationship Selling
- Profiling Mortgage Prospects
- Tele-Consulting
Customer Service
- Building and Retaining Customer Relationships
- Effective Referrals

2. Banking and Financial Analysis (30% of the exam)

Principles of Banking
Fundamentals of Consumer Lending
Overview of Financial Statements
Regulatory Compliance for Personal Bankers
- Privacy
  - Bank Secrecy Act (BSA)
  - Office of Foreign Asset Control (OFAC)
  - USA PATRIOT Act
  - Privacy for Customer Contact Personnel
- Deposits
  - Expedited Funds Availability Act, Regulation CC
  - Truth in Savings Act, Regulation DD
  - Electronic Funds Transfer Act, Regulation E
- Ethics and Fair Lending
  - Bank Bribery Act
  - Fair Credit Reporting Act (FCRA)
  - Fair Lending
- Equal Treatment
  - Equal Credit Opportunity Act
  - Americans with Disabilities Act (ADA)
  - Community Reinvestment Act (CRA)
- Real Estate
  - Home Mortgage Disclosure Act (HMDA)
  - Real Estate Settlement Procedures Act (RESPA)
- Truth in Lending
  - Truth in Lending, Regulation Z

3. Specific Business Competencies (5% of the exam)

Managing Time at Work
Writing Bank Correspondence
Dealing Effectively with Co-Workers

4. Ethics - Ethical Issues for Bankers (5% of the exam)

Examination Requirements

The qualifying exam consists of 100 multiple-choice questions; two hours is provided in which to complete the exam. Candidates may retake the exam if they do not pass; the exam re-take fee is $25. Candidates have the option of taking the exam in one of two formats:

A proctored exam at the candidate’s company, with an ICB-certified member serving as exam proctor
At an exam site that is within 2 hours driving time from the candidate's company

Additional Requirements

Candidates must meet the experience, education, ethics and examination requirements determined to be competency measures for bank tellers:

Professional Experience & Education - A minimum of six (6) months of experience as a bank teller and completion of the American Institute of Banking (AIB) Customer Service Representative Certificate
Professional Reference - One letter of recommendation is required from a senior manager attesting to your qualifications for certification including your experience as a bank teller and your ethical character
Ethics Statement - Each candidate must sign ICB's Professional Code of Ethics statement, which is the last page of the application.
Application – Candidates must complete and submit an application, affirming that they comply with the eligibility requirements at the time of submission; application fee is $75, covers exam as well

Continuing Education Requirements

Each certificant must complete nine (9) credits of continuing education every three (3) years; fifty (50) minutes of instruction equals one (1) credit. Certificants are allowed to carry over up to three (3) credits per three-year cycle.

An annual membership fee of $25 also is required to keep certification active.

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Bank Training Center offers Certified Personal Banker program information for those individuals interested in earning the prestigious CPB certification.