Digital payments generate large volumes of granular data, from wallet transactions and agent float positions to loan repayments, complaints and system logs. Much of the evidence a risk function needs is already sitting in these files, yet many teams still rely on manual sampling and monthly summaries that miss fast-moving fraud and reconciliation breaks. Regulators and auditors increasingly expect providers to show how they detect, measure and follow up risk, and that requires practical tools rather than policy statements.

The Practical Digital Financial Services, Payments & Fintech Risk Training Course is a hands-on, tool-led programme. Day one sets up the data and a working risk register. Day two is a fraud detection lab in which participants write rules, test them against labelled synthetic transactions and measure detection and false-positive rates. Day three tackles e-money float, trust accounts, settlement files and agent liquidity through reconciliation exercises. Day four applies analytical checks to digital credit portfolios, fintech partners and API security, and day five brings the results together in a KRI dashboard, an incident runbook and a tabletop drill.

Participants work on laptops throughout, mainly in Excel, Power Query, SQL and Power BI, using anonymised and synthetic datasets supplied by the facilitator. Every template, query and dashboard built in class is theirs to keep and adapt to their own institution.

After the five labs, participants will be able to:

• Prepare transaction, agent, loan and complaint data for risk analysis using Power Query and basic SQL.
• Maintain a working risk register with scoring, control mapping and an automatically updated heat map.
• Write, test and tune fraud detection rules, measuring detection rates, false positives and alert volumes.
• Reconcile e-money float, trust accounts and settlement files and age unresolved breaks.
• Analyse digital loan portfolios using vintage curves, roll rates and population stability checks.
• Score fintech and technology partners with a structured due diligence questionnaire.
• Review API and access controls against the OWASP API Security Top 10 and segregation of duties principles.
• Build a KRI dashboard and incident runbook that support fast escalation.

The course is aimed at practitioners who handle risk data and controls day to day, including:

• Risk analysts and operational risk officers
• Fraud analysts and transaction monitoring staff
• Reconciliation, settlement and finance officers for e-money and payments
• Compliance and AML analysts
• Credit analysts and collections managers in digital lending
• IT risk and information security analysts
• Internal auditors and data analytics auditors
• Product and operations staff in mobile money operators and fintech firms

Participants leave with a set of working tools, including:

• A cleaned and documented data model for transactions, agents and complaints in Power Query.
• A risk register workbook with automatic scoring and a heat map.
• A library of tested fraud rules in SQL and Excel versions, with recorded performance.
• A three-way float reconciliation workbook with break ageing.
• A digital loan vintage and roll-rate tracker.
• A partner due diligence scorecard and an API security review checklist.
• A KRI dashboard in Power BI with thresholds and alerts.
• An incident runbook tested in a tabletop drill.

Almost all learning time is spent at the keyboard. The course uses:

• Daily labs on synthetic and anonymised digital finance datasets
• Step-by-step build guides for each Excel, Power Query, SQL and Power BI tool
• Facilitator demonstrations followed by individual and paired builds
• Debugging clinics where participants troubleshoot each other's rules and formulas
• A tabletop incident drill that draws on the dashboards built during the week
• Take-home templates and query files for every lab

Those who attend all five lab days and submit the completed workbooks, rule set and dashboard receive a CPD-accredited Certificate of Completion issued by Vision Reach Global Consultancy.

The certificate states the course title, dates and delivery mode, and the tools built during the labs remain with each participant as a portfolio of applied risk analysis work.