{"id":201722,"date":"2026-10-06T08:50:51","date_gmt":"2026-10-06T12:50:51","guid":{"rendered":"https:\/\/innowise.com\/?page_id=201722"},"modified":"2026-10-06T08:51:25","modified_gmt":"2026-10-06T12:51:25","slug":"compliance-training-for-banks","status":"publish","type":"page","link":"https:\/\/innowise.com\/fr\/expert-tips\/compliance-training-for-banks\/","title":{"rendered":"Formation \u00e0 la conformit\u00e9 bancaire : pourquoi il ne suffit pas de valider la formation ?"},"content":{"rendered":"\t\t
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Bank compliance training: why course completion isn\u2019t enough<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Oct 06, 2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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5 min read<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Financial institutions invest heavily in compliance training every year and track completion closely. But finishing a module doesn\u2019t show how someone will act when the right choice is unclear. If audits keep turning up the same mistakes, it raises a simple question: why do people who completed the training still make these errors?<\/span><\/p>

In October 2024, TD Bank pleaded guilty in proceedings involving Bank Secrecy Act and money laundering conspiracy violations. The <\/span>US Department of Justice resolution<\/span><\/a> imposed over $1.8 billion in penalties and described an inadequate AML program spanning January 2014 to October 2023. A parallel <\/span>OCC action imposing a $450 million penalty<\/span><\/a> identified deficiencies in customer due diligence, customer risk ratings, suspicious activity processes and training, alongside staffing and governance.\u00a0<\/span><\/p>

Similarly, the FCA\u2019s <\/span>\u00a321.1 million ($28.4 million) fine against Monzo<\/span><\/a> in July 2025 shows how that gap can surface in practice. The regulator found weaknesses in the bank\u2019s financial crime controls as Monzo grew, including insufficient guidance for investigating transaction monitoring alerts and work carried out by staff who lacked experience or training. A completion record wouldn\u2019t have shown those problems.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n \"Ivan\n <\/div>\n
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\n By Ivan Grabovski<\/a>\n <\/div>\n
\n Head of E-commerce & Retail <\/div>\n
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\n <\/svg> Verified expert\n
\n Every article at Innowise is created by authors with real-world experience. They understand the topic beyond theory and bring insight from real projects.\n \n \n <\/svg>\n <\/div>\n <\/div>\n \n <\/svg>
\n 17+ years of experience <\/div>\n <\/div>\n <\/div>\n <\/div>\n
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\n <\/svg> Verified expert\n \n <\/div>\n <\/svg>
\n 17+ years of experience <\/div>\n <\/div>\n
\n Ivan guides e-commerce giants through high-pressure transformations. He builds resilient digital ecosystems and scalable architectures that allow businesses to handle massive loads and provide a conversion-focused user experience. <\/div>\n
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Where annual compliance training falls short<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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The substance is narrow and worth reading carefully.<\/span><\/p>

A tokenized deposit stays a deposit offered by the institution. The bank keeps responsibility for the underlying obligation. Distributed ledger technology changes how the claim is represented and transferred, not what it is under the existing framework. That is the whole ruling.<\/span><\/p>

Now the part that got much less attention. Institutions remain responsible for the existing legal, technology, cyber and third-party risk requirements, and OSFI expects banks to consult their lead supervisors before launching a novel product. So the legal question is settled, and the operational one is wide open. Those are two different problems, and the second one is the expensive one.<\/span><\/p>

I would frame it this way for any bank reading it: you no longer have to argue that your product is legal. You still have to prove that you can run it.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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