FINTRAIL helps UK bank design and implement financial crime training aligned to real-world risks, roles and regulatory standards

 

The Challenge

FINTRAIL was engaged by a UK bank offering current accounts, savings, and credit products (including credit cards and car finance) to develop a bespoke anti-financial crime (AFC) training programme for its first line financial crime operations teams.

The bank needed a comprehensive programme that would:

  • Strengthen awareness of financial crime risks across its product range

  • Meet regulatory expectations for tailored, impactful training

  • Equip teams with the knowledge and confidence to apply controls effectively in day-to-day operations


Our Approach

Working closely with the client, FINTRAIL ran an initial workshop to understand:

  • The bank’s product suite and customer base

  • Financial crime risks, typologies, and red flags relevant to those offerings

  • The control framework in place (onboarding, CDD, screening, SARs, monitoring, etc.)

  • Regulatory expectations and the firm’s risk appetite

This insight shaped a tailored training solution built around real-world risks and the firm’s existing controls.

The training programme included:

Blended learning formats
A combination of e-learning and classroom-based modules to suit different learning styles and operational needs.
Interactive, real-world learning
Case studies, exercises and polls designed to encourage participation and reinforce understanding through practical application.
Assessment and evaluation
Multiple-choice and scenario-based questions to measure knowledge retention and real-world application.

The content was shared for feedback across the learning & development team, the second line AFC function and first line operational leads, ensuring it addressed knowledge gaps and reflected cross-functional priorities.

FINTRAIL then produced:

  • Facilitator guides detailing session length, scope and objectives

  • Speaker notes to support consistent delivery

  • A question bank with multiple-choice and scenario-based assessments

Finally, FINTRAIL documented the firm’s full training and assessment methodology in a formal AFC training standards framework — a key reference point for both internal stakeholders and external regulators.


Core Training Principles

Our work was underpinned by five core outcomes:

  • Meet regulatory expectations – Deliver high-quality, impactful training that drives positive behaviour and meets regulatory standards.

  • Build capability – Equip teams with the skills and confidence to deliver higher-quality outputs and manage risk effectively.

  • Enhance protection – Strengthen the firm’s ability to detect, prevent and respond to financial crime, safeguarding customers, assets and reputation.

  • Promote a culture of compliance – Foster ethical behaviour and shared accountability for AFC across all teams.

  • Enable sustainable growth – Support long-term operational efficiency and growth through stronger compliance foundations.


The Outcome

✅ A tailored anti-financial crime training programme covering:

  • 3 e-learning modules

  • 5 classroom-based sessions

  • Supporting speaker notes, facilitator guides and assessment questions

✅ Content mapped to the firm’s specific risks, customer base, product types, and geographies

✅ Interactive delivery using real-world examples and exercises

✅ A formalised training standards document outlining the firm’s AFC training and assessment methodology


Why FINTRAIL?

FINTRAIL’s training is grounded in operational experience and shaped by frontline realities. Our team has held leadership and analyst roles across financial institutions and brings that insight into every engagement.

We specialise in delivering pragmatic, engaging training programmes — whether for first line teams, MLROs or boards — that reflect real-world risks and regulatory expectations.

Through our consulting work and our global FinTech FinCrime Exchange (FFE) community, we stay close to evolving threats, industry benchmarks and best practice. This allows us to keep our training relevant, effective and ahead of the curve.

Our work is trusted by leading financial institutions, recognised by industry, and designed to make a lasting impact.


Get in touch to find out more about our services