This document provides information about a multi-day training workshop on credit risk management. The workshop will be held quarterly in 2009 at a hotel in Kuala Lumpur, Malaysia. It will be led by Tommy Seah, a certified fraud examiner and expert in financial management. The workshop aims to help participants better analyze financial statements and credit risks. It will cover topics like sound financial management, cash flow analysis, and loan monitoring techniques. The intended audience includes professionals in banking, auditing, credit, and finance. The document provides registration details, instructor background, and contact information to sign up.
The way to understand anything
in life is to first understand the
fundamental concept that is
involve. For a subject like
“Effective Cash Management”,
the first thing to understand is
the difference between liquidity
and stupidity. Cash flow is the
lifeblood of a company and is
fundamental to its very existence.
Finance professionals must
understand how their decisions on
investment, operations and
financing lead to specific cash flow
moverments within the business
system. Part of the manager’s job
is to maintain an appropriate
balance between inflows and
outflows of cash. Unfortunately, an
intricate understanding of how
cash flows within company eludes
most business personnel.
As this credit cycle continues, maintaining perspective and holding the line have become increasingly difficult for risk managers. This excerpt from the RMA Credit Risk Council’s “2017 Industry Insights: Perspectives from the Front Line,” offers several insights into how risk managers can strike the right balance.
Deloitte’s risk management philosophy – Risk Intelligence (RI), focuses on maintaining the right balance between risk and reward. Asking the right questions and finding effective answers to them is critical to developing the right risk management capabilities. Most organizations already have a multitude of Enterprise Risk Management (ERM) practices and processes to address risks but the lack of a strategic view to an ERM program, can expose risk management gaps and redundancies and prevent sufficient insight into key risk interdependencies
The way to understand anything
in life is to first understand the
fundamental concept that is
involve. For a subject like
“Effective Cash Management”,
the first thing to understand is
the difference between liquidity
and stupidity. Cash flow is the
lifeblood of a company and is
fundamental to its very existence.
Finance professionals must
understand how their decisions on
investment, operations and
financing lead to specific cash flow
moverments within the business
system. Part of the manager’s job
is to maintain an appropriate
balance between inflows and
outflows of cash. Unfortunately, an
intricate understanding of how
cash flows within company eludes
most business personnel.
As this credit cycle continues, maintaining perspective and holding the line have become increasingly difficult for risk managers. This excerpt from the RMA Credit Risk Council’s “2017 Industry Insights: Perspectives from the Front Line,” offers several insights into how risk managers can strike the right balance.
Deloitte’s risk management philosophy – Risk Intelligence (RI), focuses on maintaining the right balance between risk and reward. Asking the right questions and finding effective answers to them is critical to developing the right risk management capabilities. Most organizations already have a multitude of Enterprise Risk Management (ERM) practices and processes to address risks but the lack of a strategic view to an ERM program, can expose risk management gaps and redundancies and prevent sufficient insight into key risk interdependencies
It will happen when you least expect it. There will always be allegation of fraud and
employee misdemeanour. This is a perennial truth. The question that needs to be addressed
is how do we go about managing such allegations.
In recent years, a variety of laws and regulations have emerged in Singapore and Malaysia,
providing organizations with an array of criteria to incorporate into their antifraud
efforts. But for all practical purpose there is no law on managing fraud allegation.
In the wake of high-profile corporate scandals as well as new regulations worldwide,
many business leaders are increasingly aware of the need to create company-specific
antifraud measures to address internal corporate fraud and employee misconduct.
While acknowledging that no single approach to fraud risk management can fit every
organizations needs, this seminar focus on key practices that organizations have
generally found to be effective when tailoring a company-specific fraud allegation
investigation program and offers a strategic approach to aligning corporate values
with employees performance.
The Federal Bureau of Investigation, financial institutions and merchants are always on
the lookout for scam artists. One of the most common and unregulated industry where
fraud is most prevalent and perpetrated on a daily basis is in the area of Management
Consultancy. Almost every unemployed and unemployable individual calls themselves
Management CONsultants.
The technique to know whether you have been a victim is to examine the deliverables.
Look at the concepts closely. If they cannot even get the fundamentals right, you know
that it is REALLY a CONsultancy firm.
Pinnacle Training Group: SME credit masterclass - Lending & financial analysi...George Staicu
A two days intensive masterclass on
SME lendng and financial analysis presented by George Staicu.
By the end of this course, participants will:
• Understand the nature of financial risk, how and why banks take risk,
how it is measured, and how it is applied to SME borrowers;
• Appreciate how "Tops Down" analysis and detailed financial and credit analysis of the borrower interrelate and impact SME borrowers;
• Know how to read, adjust and understand SME financial statements, and to apply that understanding to the objectives of their credit analysis of a borrower;
• Be able to determine the relationship between credit analysis and the type of facility to be recommended for SME borrowers, and the key issues in determining what documentation and security should support
that facility;
• Know what to do after the transaction has been approved, documented and drawn down.
The Structural Approach to
Investigating Financial Statement
Fraud is the specialty practice
area of examiners that describes
engagements that result from
actual or anticipated disputes or
litigation. In litigation, 'Forensic'
means suitable for use in Court,
and it is to that standard and
potential outcome that fraud
examiners generally have to work.
Certified System Investigators
(CSI), Fraud Examiners (CFE) and
Forensic accountants (CPA) often
have to give expert evidence at the
eventual trial. All of the larger
accounting firms, as well as many
medium-sized and boutique firms,
have specialist forensic
accounting departments. Within
these groups, there may be further
sub-specializations: some forensic
accountants may, for example, just
specialize in insurance claims,
personal injury claims, fraud,
construction, or royalty audits.
This is where the distinction lies:
While Accounting firms do only
“Forensic Accounting” CSIs and
CFEs perform Investigations in
Financial Statement Fraud. This is
not the same thing — one is post
event, the other one is
pre-emptive.
Engagements relating to criminal
matters typically arise in the
aftermath of fraud. They frequently
involve the assessment of
accounting systems and accounts
presentation - in essence
assessing if the numbers reflect
reality. The CSI and CFE
determines whether there has
been any audit failure on the part
of the Accounting firm. This
seminar will train participants to
change from a justification mindset
to a pre-emptive mindset. It will
help them develop the capability to
render a service that can answer
the following questions, “What
have gone wrong? Could it have
been prevented in the first place?
Who is responsible for the mess?
The general idea is essentially to
prevent financial statement frauds
and when it does occur, how to
contain the damage and recognize
who is responsible for what in the
whole scheme of things.
TSI is a leading performance improvement and management consulting firm that provides process, organization and technology improvements to mid-market businesses and nonprofit/higher education institutions. Our unique and balanced approach involves examining how People, Process and Technology resources can be leveraged to drive improved financial and operational results.
The TSI Team is made up of experienced consultants with a strong blend of business, financial, technology and consulting expertise. Our versatility, collaborative work style and passion for delivery set us apart from other consulting firms.
Whether you are seeking to transform your organization, improve operating and financial performance or better leverage technology, TSI has the knowledge, expertise, tools and proven methods to put your organization on the right track.
Financial Statement Fraud training by Tommy SEAHTommy Seah
Every company maneuvers the numbers to a certain extent to achieve budgets
and get bonuses. This is nothing new. But sometimes, companies take the factfudging
too far. Factors such as greed, desperation, immorality and bad judgment
drive some executives to commit financial statement fraud.
As evidenced by the catastrophic collapse of numerous corporations over the
past few years, financial statement fraud is a serious threat to any business’ economic
well-being. The existence and persistence of financial statement fraud is by
far the most expensive in terms of both absolute dollars and long term damage.
Recognising the challenges that organisations are facing in combating Financial
Statement Fraud, ProEdge Global is pleased to present this 2-day Workshop on
Financial Statement Fraud. This will serve as an excellent opportunity to learn how
best to protect your organization and step up on controls to prevent fraud.
This program offers a broad overview of the different types of financial & accounting
fraud while focusing on Financial Statement Fraud. Lead by a world renowned
financial fraud specialist, this workshop will examine the theories and practical
techniques and measures to combat Financial Statement Fraud and other financial
fraud. Thus, preventing organisations from becoming the next fraud victim.
It will happen when you least expect it. There will always be allegation of fraud and
employee misdemeanour. This is a perennial truth. The question that needs to be addressed
is how do we go about managing such allegations.
In recent years, a variety of laws and regulations have emerged in Singapore and Malaysia,
providing organizations with an array of criteria to incorporate into their antifraud
efforts. But for all practical purpose there is no law on managing fraud allegation.
In the wake of high-profile corporate scandals as well as new regulations worldwide,
many business leaders are increasingly aware of the need to create company-specific
antifraud measures to address internal corporate fraud and employee misconduct.
While acknowledging that no single approach to fraud risk management can fit every
organizations needs, this seminar focus on key practices that organizations have
generally found to be effective when tailoring a company-specific fraud allegation
investigation program and offers a strategic approach to aligning corporate values
with employees performance.
The Federal Bureau of Investigation, financial institutions and merchants are always on
the lookout for scam artists. One of the most common and unregulated industry where
fraud is most prevalent and perpetrated on a daily basis is in the area of Management
Consultancy. Almost every unemployed and unemployable individual calls themselves
Management CONsultants.
The technique to know whether you have been a victim is to examine the deliverables.
Look at the concepts closely. If they cannot even get the fundamentals right, you know
that it is REALLY a CONsultancy firm.
Pinnacle Training Group: SME credit masterclass - Lending & financial analysi...George Staicu
A two days intensive masterclass on
SME lendng and financial analysis presented by George Staicu.
By the end of this course, participants will:
• Understand the nature of financial risk, how and why banks take risk,
how it is measured, and how it is applied to SME borrowers;
• Appreciate how "Tops Down" analysis and detailed financial and credit analysis of the borrower interrelate and impact SME borrowers;
• Know how to read, adjust and understand SME financial statements, and to apply that understanding to the objectives of their credit analysis of a borrower;
• Be able to determine the relationship between credit analysis and the type of facility to be recommended for SME borrowers, and the key issues in determining what documentation and security should support
that facility;
• Know what to do after the transaction has been approved, documented and drawn down.
The Structural Approach to
Investigating Financial Statement
Fraud is the specialty practice
area of examiners that describes
engagements that result from
actual or anticipated disputes or
litigation. In litigation, 'Forensic'
means suitable for use in Court,
and it is to that standard and
potential outcome that fraud
examiners generally have to work.
Certified System Investigators
(CSI), Fraud Examiners (CFE) and
Forensic accountants (CPA) often
have to give expert evidence at the
eventual trial. All of the larger
accounting firms, as well as many
medium-sized and boutique firms,
have specialist forensic
accounting departments. Within
these groups, there may be further
sub-specializations: some forensic
accountants may, for example, just
specialize in insurance claims,
personal injury claims, fraud,
construction, or royalty audits.
This is where the distinction lies:
While Accounting firms do only
“Forensic Accounting” CSIs and
CFEs perform Investigations in
Financial Statement Fraud. This is
not the same thing — one is post
event, the other one is
pre-emptive.
Engagements relating to criminal
matters typically arise in the
aftermath of fraud. They frequently
involve the assessment of
accounting systems and accounts
presentation - in essence
assessing if the numbers reflect
reality. The CSI and CFE
determines whether there has
been any audit failure on the part
of the Accounting firm. This
seminar will train participants to
change from a justification mindset
to a pre-emptive mindset. It will
help them develop the capability to
render a service that can answer
the following questions, “What
have gone wrong? Could it have
been prevented in the first place?
Who is responsible for the mess?
The general idea is essentially to
prevent financial statement frauds
and when it does occur, how to
contain the damage and recognize
who is responsible for what in the
whole scheme of things.
TSI is a leading performance improvement and management consulting firm that provides process, organization and technology improvements to mid-market businesses and nonprofit/higher education institutions. Our unique and balanced approach involves examining how People, Process and Technology resources can be leveraged to drive improved financial and operational results.
The TSI Team is made up of experienced consultants with a strong blend of business, financial, technology and consulting expertise. Our versatility, collaborative work style and passion for delivery set us apart from other consulting firms.
Whether you are seeking to transform your organization, improve operating and financial performance or better leverage technology, TSI has the knowledge, expertise, tools and proven methods to put your organization on the right track.
Financial Statement Fraud training by Tommy SEAHTommy Seah
Every company maneuvers the numbers to a certain extent to achieve budgets
and get bonuses. This is nothing new. But sometimes, companies take the factfudging
too far. Factors such as greed, desperation, immorality and bad judgment
drive some executives to commit financial statement fraud.
As evidenced by the catastrophic collapse of numerous corporations over the
past few years, financial statement fraud is a serious threat to any business’ economic
well-being. The existence and persistence of financial statement fraud is by
far the most expensive in terms of both absolute dollars and long term damage.
Recognising the challenges that organisations are facing in combating Financial
Statement Fraud, ProEdge Global is pleased to present this 2-day Workshop on
Financial Statement Fraud. This will serve as an excellent opportunity to learn how
best to protect your organization and step up on controls to prevent fraud.
This program offers a broad overview of the different types of financial & accounting
fraud while focusing on Financial Statement Fraud. Lead by a world renowned
financial fraud specialist, this workshop will examine the theories and practical
techniques and measures to combat Financial Statement Fraud and other financial
fraud. Thus, preventing organisations from becoming the next fraud victim.
ProEdge Global Sdn. Bhd.
Suite: 33-01, 33rd Floor,
Menara Keck Seng,
203 Jalan Bukit Bintang,
55100 Kuala Lumpur, Malaysia.
Tel : +603-2116 5671
HP : +6016-338 9783
kenneth@proedgeglobal.com
How will this EFRM course benefit you?
After completion you will be able to:
• identify risks which could result in fraud
• provide recommendations to executive / senior management in managing fraud risk
• identify warning signs of fraud in operational audits
• develop Fraud ICQ to look at fraud issues
Dear Delegates,
Corporate fraud costs businesses hundreds of millions of dollars each year. It affects livelihoods and is a common
cause of corporate failure. It is the responsibility of the board of directors to prevent fraud by putting in places the
appropriate controls and review procedures. This program shows you why Accounting Information System (AIS)
Threats are ever increasing. Control risks have also increased in the last few years because there are computers
and servers everywhere, and information is available to an unprecedented number of workers. Distributed
computer networks make data available to many users, and these networks are harder to control than centralized
mainframe systems. With the introduction of 3 levels of COSO and value driven ERM, things should be under
control. Recent events at SATYAM proves that in reality things are getting out of control. So, what went wrong ?
Is it time to train the auditors ?
Recognising the challenges that organisations are facing in combating Fraud, CSI In Practice is pleased to present
this 2-days Workshop on Enterprise Fraud Risk Management. This will serve as an excellent opportunity to learn how
best to conduct an internal investigation to protect your organization and step up on controls to deter fraud.
Improving and Implementing Internal ControlsTommy Seah
Implementing and Improving Internal Controls
Articulating the increasing need for comprehensive in-house fraud control procedures
• Optimizing the accuracy and reliability of data acquired through internal inspections
• Detailing the process of applying controls inside the organization, and demonstrating the outcome
Fraud Risk Management - Road Show in KL, MalaysiaTommy Seah
The Reason why u need FRA
Passage of the Sarbanes-Oxley Act (SOX) caused more and more companies, public and private, to assess their vulnerability to fraud and abuse. Section 404(a) of the Act requires management of public companies to assess and report on its internal financial reporting controls, largely to ensure that financial statements are fairly presented in accordance with generally accepted accounting principles (GAAP). Fraudulent financial reporting that leads to a material misstatement in the financial statements is one key risk management should assess. This assessment focuses on accounts, processes, GAAP disclosures and the assertions in the financial statements and other required disclosures. Countries in Asia do not necessarily have their own version of SOX. But they have seen the benefits in SOX in the prevention of occupational fraud. Fraud Risk Assessment is now an integral part of good corporate governance.
Such assessments aren’t new. Organizations have assessed business and organizational risks for years. But fraud risk analysis has rarely been the primary focus. Times have changed, and now many companies and organizations are considering conducting specific fraud risk assessments.
Prevent, Deter and Detect Fraud
A fraud risk assessment is designed to examine the controls specifically created to prevent, deter and detect fraud. This assessment is fraud scheme and scenario-based. Fraud risk assessments also communicate a companywide policy of zero tolerance for fraud and abuse.
To conduct an effective fraud risk assessment, follow these steps:
1. Organize and define the assessment objectives with company management and your internal audit committee. Form a team of fraud and control experts, and get senior management and audit committee buy-in: Ask them to communicate their endorsement and sponsorship of both the process and a strong antifraud program to the entire organization.
2. Determine the business and accounting process(es) to be assessed and investigated. Usually, the initial processes selected are those where fraud or abuse has previously occurred or that management has identified as critical business processes that may be susceptible to fraud or abuse.
3. Identify potential schemes and scenarios specific to the process(es) to be examined against current controls. Fraud schemes and scenarios should be selected based on the specific business process, the industry, physical location of the process operation and any known frauds or abuses concerning the process.
4. Determine the likelihood of a fraud occurring within each scheme and scenario. The Public Company Accounting Oversight Board has defined risk levels as remote, more than remote or reasonably possible, and probable. If assessing a public company, assess the risk levels in relation to SOX compliance efforts.
5. After the fraud risks for individual processes have been identified, documented, and rated as to risk level, match the controls within each process to the identified fraud risks. Determine the effectiveness of each control in preventing or providing a means of early detection for the fraud risk. Group the risks as to their probability of occurring within the process.
6. Estimate the probable loss in dollars should the fraud or abuse occur. Try to place a value on loss of reputation if that is a possible outcome.
7. Prepare recommendations for strengthening controls and present to management.
Fraud Risk Assessment Benefits
Some benefits of a fraud risk assessment are obvious — compliance with Sarbanes-Oxley, protection of company assets, and a possible increase in profitability due to a reduction in fraud losses, waste and abuse. But another important benefit doesn’t appear in financial statements or government filings: the enhanced reputation of a highly ethical company that supports a strong internal and external antifraud policy and program.
Encouraging a whistle-blowing culture
as a way of upholding the highest
ethical behaviour
n set up the framework for protective
channels of reporting
n Overcoming hindering cultural issues of
whistle-blowing
sTAnLEy CHIA, manaGinG Director
CFe INTeRNaTIONaL CONSULTaNCY GROUP
(MEMBER Of THE CfE-In-PRACTICE GROuP Of COMPAnIEs)
Understanding Procurement Fraud by Tommy SeahTommy Seah
Dear Delegates,
Purchasing fraud is on the rise. Companies today do not just face risks from internal fraud but also
from external criminals who are technologically savvy. The important role on combating fraud plays in
minimising financial losses is fast gaining ground. CFE-In-Practice experts is providing you
with practical advice on how to “look for red flags” and symptoms of fraud. Discover
why some numbers do not add up. Mitigate this fraud risk management by learning
the latest strategies that can be adapted to your company. This event will also cover
investigation and prevention, most importantly how to structure your business processes to minimise
the risks whilst maintaining operational efficiency.
Recognising the challenges that organisations are facing in combating Purchasing Fraud, CSI
In Practice is pleased to present this 2-days Workshop on Understanding Procurement Fraud -
Investigation & Resolution. This will serve as an excellent opportunity to learn how best to conduct
an internal investigation to protect your organization and step up on controls to deter fraud.
Ethics and Integrity by Tommy Seah- A Value Added Audit on EnvironmentTommy Seah
A Value-Added Audit
On ETHICS and AUDITORS DUTIES
(Assessing Organizational and Individual Ethics)
By
Tommy Seah
World Class trainer for practicing auditors
BACKGROUND
13th Aug 2009, Hotel Rendezvous, Singapore
BACKGROUND
The continuing influence and impact which personal and professional ethics exerts upon
individuals, organizations and society, and the factors which influence organizational ethics,
has been thrust into the headlines of the populous. The ethical issues faced daily by
organizations and their employees are neither always straightforward nor easy to resolve.
Results of unethical behavior by accounting/audit professionals, and the impact of ethics upon
organizations, is a topic of growing concern in corporate board rooms around the world. This
one day seminar will examine the timely and important topic of ethics and its relevance and
importance to overall corporate wellbeing. In particular, what factors influence the likelihood
that an individual will act ethically or less than ethical, and what this means to management,
the organization, and internal controls in general. It also examines the question, if the
auditors are doing all that they are suppose to do, in the manner that they are suppose to do
it, why does fraud still occurs?
OBJECTIVES
OBJECTIVES
After completing this seminar, participants will be able to:
Understand SEATA and understand the interrelated nature of organizational functions and
components as they relate to establishing an ethically compliant organization
CFE Strategic
Alliances
Jointly Organized by Endorsed by
Certified System Investigator
CSI World Headquarters, Singapore
(CSI CPE Credits: 8)
CFE International
Consultancy Group
Private Limited
Identify the role of organizational values in driving strategic goals and objectives
Discover the role that personal values play in driving individual employee choices and
decisions
Develop an ethics assessment tool designed to evaluate an organization's compliance to
stated ethics policies
Pinpoint the underlying causes of patterns of unethical and/or undesired employee behavior
Reduce the incidence of employee conflict between the intended change and their personal
ethical standards and expectations
Increase employee commitment to organizational goals and objectives
Traditionally, the practice of risk management comprises acceptance, transfer...Tommy Seah
Traditionally, the practice of risk management comprises acceptance, transference, elimination, control, sharing, insurance and avoidance of a diverse array of risks. Risk management and internal control business models have subsequently been devised which cater for all eventualities - categorised by terms such as business, operational and reputational risk.
FOREIGN EXCHANGE MANAGEMENT AUDIT - FOREX AUDIT by TOMMY SEAHTommy Seah
This course is aimed at those who wish to gain an understanding of the management techniques, concepts and practices in Foreign Exchange Management and control. This course is for you who are auditing the bank or somehow have an interest in the management and control of forex activities. It will also appeal to Backroom staff whose nature of work necessitates a good grasp of FOREX and Money Market activities. This is not a general course. It is specially tailored to suit the needs of the Bank Internal Auditors. It provides the Auditor with the necessary concepts, practice and program to conduct an FX Audit. The immediate benefit in attending this coaching session is that you get a complete Audit Programme on FOREX.
Understanding the strategies for improving and managing the risk/return profile and performance of forex position is crucial for successful Treasury Management. This coaching session includes a conceptual overview of Treasury Management concepts, such as line distribution, dealer correlation and valuation of position. Key forex inputs and outputs are defined using hands-on exercises with the CFE-In-Practice™ Case Studies. This informative program covers a wide range from product knowledge, elements of risk, return and optimization, control and forex risk management. In other words, learn everything you need to know about managing a Forex department so that profit can be optimized and loss can be recognized. Too many organisation make too much profit to be lost in Forex too quickly too. That is why you need to manage your Forex department actively.
OBJECTIVES AND BENEFITS IN ATTENDING
On completion of the Coaching Session participants will be able to:
• Understand and assess the risk and return of a Forex portfolio
• Determine the most attractive exposures from a risk/return perspective
• Determine the range and likelihood of future forex portfolio values; given this range and likelihood, determine how much equity or capital is required
• Identify the major sources of concentration and diversification in a Forex portfolio
• Assess strategies for improving performance of treasury portfolios
Day One - (PRODUCT KNOWLEDGE)
Is there a fundamental difference between Money Market & Foreign Exchange Market? What is a POSITION? Who controls the position in the bank? What is the best practice in the management of TREASURY LINES? How does Interest Rate Swaps and Currency Swaps work? Should your banks be involved in any of these? Case Studies and discussions.
Day Two (Forex AUDIT)
What is the correct audit approach? Why use the Systems based approach for forex audit? Where lies the auditor’s safety in a forex audit? What must be the FOREX audit focus?
DETAIL COACHING OUTLINE
• Data requirements and sources for active Forex management
• Default quantification for each obligor and utilization and recovery in the event of default; and an overview of the different sources for this data
• Understanding the distinction between MDDR line and FX line
• Components of Forex risk
• Methods of obtaining default probabilities
• Requirements for internal monitoring systems
• Determining quantum of loss given default in a Forex portfolio
• Criteria for which Forex position will be held in a portfolio or, alternatively, sold to other investors i.e. closing out
• An organization's required rate of return and its risk appetite
• Policy setting and implementation; investing guidelines, monitoring performance investment tactics, position control and management
• Quantification of Forex concentrations (Note: This program will describe and use the widely discussed CFE-In-Practice™ FOREX Case Studies)
METHODOLOGY
This coaching by a Certified Fraud Examiner consists of a lively series of short participative lectures conveyed using plain uncomplicated explanations. Learning will be facilitated through discussion and case studies. Ample coaching materials will be gi
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
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1. CFE-In-Practice Complete and fax back
the registration form at
Integrity. Intelligence. Independence.
the back of this brochure
or call us at
+65 9106 9872
+65 9007 4179
group discounts
available.
CSI BLACK BELT IN
CREDIT RISK MANAGEMENT
Financial Analysis Masterclass 1
JAN 19 20, APR 22 23, AUG 19 20, NOV 17 18 2009 *1
(One session every quarter)
Park Royal Hotel, Kuala Lumpur, Malaysia
Secure Expert Advice From A practical and participative workshop specially
designed for all professionals:
After taking this course, you should improve your
ability to use the disclosures in a firm’s annual or
quarterly report to determine its accounting policy
for a particular type of transaction and to determine
how that policy choice affects its primary financial
statements. Interpreting the information will devel-
op your skills in assessing the relation between the
accounting report and the underlying economics of
the firm.
Tommy Seah,
Certified Fraud Examiner,
World Class Financial
CSI Module 1
Management Expert
TEL: (+65) 9106 9872 FAX: +65 62880181 WEBSITE: www.cfe-in-practice.org
2. A CLOSER LOOK
THIS IS A CSI BLACK BELT MASTERCLASS CERTIFICATION PROGRAM IN CREDIT RISK MANAGEMENT
P RO G RA M O VE RVIE W
Managing the financial needs of the corporate customers and minimising risks in loan portfolios have been a major issue for
banks and finance houses today. The systematic, disciplined approach to quantifying the various incomes, expense and risk
components of the loan no longer have to be argued. Continuous and effective credit review is fundamental to improving
the standards of lending and the avoidance and reduction of loan losses. In order to review the bank’s loan portfolio
effectively, the auditor/examiner must be capable of appreciating the financial affairs of the bank’s customer. From
knowing what is happening inside a business, certain strengths and weaknesses of a company will be highlighted almost as
soon as they occur. This will provide the means for a proper system of financial planning and control which in turn can supply
the basis for informed decision and improved monitoring ability.
This course is designed to increase your ability to extract and interpret information in financial statements. In is not really
important whether you are working in a financial institution or not. In financial analysis, the knife cuts both ways. Extracting
the information will develop your accounting analysis skills. After taking this course, you should improve your ability to use the
disclosures in a firm’s annual or quarterly report to determine its accounting policy for a particular type of transaction and to
determine how that policy choice affects its primary financial statements. Interpreting the information will develop your skills
in assessing the relation between the accounting report and the underlying economics of the firm.
After taking this course, you should improve your ability to use an accounting report as part of an overall assessment of the
firm’s strategy and the potential rewards and risks of dealing with the firm (as an investor, creditor, supplier, employee, etc.).
You should also improve your ability to assess how the firm’s stated strategy corresponds to its actual strategy and how the
firm’s stated accounting results correspond to its true economic results.
Ultimately, the course is about two things:
a.) becoming “financial” literate: increasing your ability to extract and interpret information in financial statements; and
b.) appreciating how managers use/abuse accounting discretion to achieve strategic reporting objectives.
The course adopts a user perspective of accounting by illustrating specific accounting issues in various decision contexts. The
course makes no assumption on your understanding of financial accounting.
The aim of this program is to answer these questions by providing a succinct yet advanced overview of financial statements
analysis. If you already have a grasp of the definition of the balance sheet and the structure of an income statement, this
seminar will give you a deeper understanding of how to analyze these reports and how to identify the “red flags” and “gold
nuggets” of a company. In other words, it will teach you the important factors that make or break in a financial decision.
COURSE CONTENT W H O SH O ULD AT T END
• Sound Financial Management in companies • Treasury Managers
• How businesses are actually run rather than the • Investment Bankers
perception of outsiders • Chief Internal Auditors
• What risks implications this has on the firm • Heads of Internal Audit/Corporate Audit
• Examination of working capital, overtrading, growth, • Credit Auditos
decline, sustainable growth rates and the key roles of profitability • Corporate Lending Officers
and cash flow • Credit Managers
• Managing retrenchment and physical and financial reconstructions • Credit Administrations
• Lending and business operation • Operations Managers
• Corporate lending principles and procedures • Bank Regulators
• Market and product analysis • Corporate Lending Officers
• Operational, income and capital gearing • Audit Managers/Officers
• Net worth and valuation • Finance Directors
• Product contribution, mix and profitability analysis • Heads of Regulatory Affairs
• Cash flow cover and repayment capacity • Portfolio Managers
• Installing an early warning system to identify danger signals • Heads of Credit Control
• Remedial and crisis actions • Management & Strategy Consultants
• Loan Management and work out techniques • Enterprise/Commercial Banking Managers
• Debentures, design and monitoring
• Corporate security and realisation Continuous and effective credit review is
“
• Upgrading the advances control systems and procedures fundamental to improving the standards of
• The management of contingent liabilities lending and the avoidance and reduction of
loan losses
”
3. youR TRAInInG CoACH
ThIS TWo-dAy WorkShop WILL FEATurE ThE LEAdIng TrAInIng CoACh In ThIS rEgIon
Tommy is someone that you would like to meet and to know. Straight talking, sincere, kind,
helpful and without pretences, he is truly a man of strong conviction and blessed with many
practical talents. First and foremost, he is a World Class hands-on accountant He has worked
as an Accountant for some of the largest companies in the world.
He is a tried and tested accountant with a very firm grip on financial products. Because of
his grip on the subject matter, his services in providing technical training is much sought after
by numerous banks in the region, including Germany, Singapore, Malaysia, China, Indonesia,
Philippines and Taiwan.
Tommy’s other professional achievements would have been the objects of envy for many of
his peers. Some of the better known fact is that he is the only Chinese Singaporean that sits on
the ACFE Board of Regents in Texas, USA.
Tommy Seah,
In the year 2006, his strategic management skills were put to the test and his contribution
Certified Fraud Examiner,
was duly acknowledged when he was elected the ACFE Board of Regents, Vice-Chairman.
World Class Financial
Based in Austin, Texas, ACFE is the best recognised and largest Fraud Examination Body in the
world. Management Expert,
Double Firsts in Financial
While in Singapore, he also help founded the CSI World Headquarters, a Digital Forensics
Management and
Certification body. To this day, he is the Chairperson Emeritus for the CSI World Headquarters.
His previous work experience includes systems based auditing in an American International Accountancy (U.K.),
Bank, where he was the Senior Regional Auditor responsible for the Bank’s audit in the Asia
Chartered Banker,
Pacific region.
International Accountant,
He has also held the top executive position of Chief of Internal Audit in a prime offshore FCPA (USA), CSOXP,
bank where his audit duties cover the Singapore and Hong Kong operations of the bank. He Member of Advisory Board
covers all areas of the bank’s audit of operations and IT systems. He also has practical working
to SOX Institute (N.Y.)
experience in the Operations Department of a foreign bank.
Tommy Seah is the author of seven financial books including the Multiple Currency
Accounting (MCA) for bank accounting. The Financial Instruments Guide (FIG) is also another
authoritative and definitive text on Financial Instruments designed to be used in the world wide
banking industry for product training. His publication has received excellent review and first
class commendation from some of the most authoritative professional certification body and
top rated banks in the world. The other five authoritative texts used in his training are The Con-
trol of Money Market Activities in Banks, Financial Management, SWAPS in Investment Banking,
Advanced Credit Analysis and Anti-Money Laundering 101. His latest publication is The Foreign
Exchange Audit. The FOREX Audit eBook is available from April 2008.
For the past twenty nine years, Tommy Seah has trained and coached more than 10,000
management staff and some of the top CFOs, CEOs, CIOs, COOs in MNCs, banks and
financial institutions in the region. In particular, his expertise in SOX 404, AML and Basel II,
Solvency ll systems implementation is much sought after by many organisations. The undisputa-
ble fact is that when it comes to financial training, Tommy is Number 1 and the top household
brand name in Asia Pacific.
CFE-In-Practice
Integrity. Intelligence. Independence.
4. CSI BLACk BELT In CrEdIT rISk MAnAgEMEnT 2009 Training Session
Financial Analysis Masterclass 1 ParkRoyal Hotel
Kuala Lumpur, Malaysia
FEES & rEgISTrATIon METhod
package participant Fees Session 1 (Select a Date) Session Session Session
Workshop price USD 700.00 Jan 19 - 20 2009 Apr 22 - 23 2009 Aug 19 - 20 2009 Nov 17 - 18 2009
* group price **Corporate group discounts: Second participant pays 95%; subsequent participant pays 70% only.
Subsequent participants must be from the same organization.
disclaimer
*The registration fee does not include hotel accommodation. Delegates may be refused admission if payment is not received
prior to the workshop.
*1 Subject to final confirmation based on enrolments and Trainer’s schedule availability
hoW To rEgISTEr
To attend the workshop, complete and return the enclosed registration form with the required payment in full. Registration
confirmation will only be acknowledged once the registration fee has been received. Please read this booklet carefully
before completing the registration form. All fees are quoted in US dollars (USD).
rEgISTrATIonS CAn BE SEnT By ThE FoLLoWIng METhod: pAyMEnT METhod
Cheque: Made payable to CFE In practice
Tel :(+65) 9106 9872(Singapore), Fax : (+65) 6288 0181
T/T payment
Email: tommy@cfe-inpractice.net
dBS Bank, Shenton Way Branch, Singapore
Current A/C no.: 022-900202-8
Mail in: CFE-In-practice
Account name: CFE-In-practice
111, Tampines Road, Suite No. 07-01
Swift Address: dBSSSgSg
Yi Mei Gdn Building, Chips uId number: 034675
Singapore 535133 or Telex number: rS 24455
pArTICIpAnT nAME CAnCELLATIon And TrAnSFEr
Should you be unable to attend, a substitute delegate is welcome
Name
at no extra charge. Alternatively, you may choose to credit the full
value of your registration towards a future CFE event.
Designation
Email A full refund, less 10% administrative charge, will be made for
cancellations received in writing at least three weeks prior to the
workshop.
Name
A 50% refund and the workshop documentation will be provided
Designation
for cancellations received in writing two weeks in advance. The firm
Email regrets that no refunds will be made for cancellations received less
than two weeks prior to the workshop.
Name A complete set of documentation will, however, be sent to you. CFE
reserves the right to cancel or alter the content and timing of the
Designation programme for reasons beyond its control. CFE-In-Practice reserves
the inalienable right to CANCEL the program.
Email
For Office Use Only
Authorising Manager
Received by : ____________________
Designation
Date : ________________________
Email Code : ________________________
Organisation please Include Company Stamp & Signature
Address
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W W W . C F E -In-p rACTICE .nE T