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A smiling student wearing a dark blazer over a plain white shirt, holds a folder, stands beside a desk in a modern banking office space.
Accounting & Finance

Certificate IV in Financial Services

FNS41820

Overview

Take Your Financial Services Career to the Next Level

Master the advanced compliance, risk management, and team leadership skills needed to coordinate modern banking and finance operations

The Certificate IV in Financial Services focuses heavily on professional ethics and compliance, risk management strategies, customer service and resolving customer disputes. This course also further develop your leadership and management skills and professional development abilities. This qualification is ideal for a range of banking roles such as senior tellers, customer service officers and branch supervisors who are interested in taking their next career step.

  • Duration

    36 weeks

    Traineeship timelines vary by state training contract guidelines.
  • Study load

    12–15 hrs / week

  • Estimated fee
    $3,750
    or
    Interest-free
    $78 / week

    Weekly, fortnightly or upfront - adjust any time.

    Enrolling staff? View our employer programs
A financial services specialist assists a young couple during a consultation as they finalize and sign their financial planning or loan documents.
Careers

Potential Careers

This qualification prepares you for a range of specialised financial management, credit assessment, and client advisory roles across banking institutions, mortgage brokerages, and dedicated credit firms. It is designed to help you build the financial risk assessment, loan structure, and regulatory compliance skills that employers look for in mid-level lending positions such as:

  • Credit Analyst
  • Lending Consultant
  • Credit Risk Assessment Officer
  • Mortgage Broker Support Officer
Subjects

The skills that take you further

Subjects and units of competency may vary or be updated during your enrolment to reflect the latest industry standards.

Core Subjects

This subject looks at the skills necessary to work competently and within the rules and codes that are fundamental to a role in finance. Applying the principles of professional practice includes: - taking care of your safety and the safety of others - giving your best and getting the best of others through effective communication - quality service procedures to help you give quality, compliant service to customers - specific procedures to help deter the criminal activity - the compliance framework that is key to this industry, including privacy of information and codes of practice - learning opportunities to help you get the best from your role - taking care of your safety and the safety of others This subject looks at each of these skills and builds your awareness of how you can maintain professionalism and compliance in your role.
  • Conduct individual work within a compliance framework FNSORG411
  • Conduct work according to professional practices in the financial services industry FNSINC411
  • Manage personal health and wellbeing BSBPEF401
  • Lead personal development BSBPEF403

Ethics, compliance, and risk form the foundation of financial operations. This subject explores the skills needed to apply ethical principles in financial decision-making and maintain work practices that align with both regulatory requirements and the organisation’s risk management strategies. Through case studies, learners will examine how to apply ethical frameworks to assess, implement, and evaluate courses of action in response to ethical and compliance situations relevant to the finance sector.
  • Comply with financial services regulation and industry codes of practice FNSFMK515
  • Apply risk management strategies to own work FNSRSK411
  • Apply ethical frameworks and principles to make and act upon decisions FNSINC514
  • Identify and apply complex ethical decision making to workplace situations FNSINC513

This subject has been structured to progressively develop the students skill and knowledge in the building, managing and maintaining of customer relationships to support financial business outcomes. It explains the difference between customer service and customer relationship building; with an emphasis on the skills required for longer term relationship building. This includes considering a range of client relationship strategies and also how to use networking effectively in the finance industry..
  • Deliver a professional service to customers FNSCUS403

Formal disputes processes exist in financial services as a regulatory requirement. In this subject you will learn formal complaints management techniques, Internal Dispute Resolution requirements and understand the applicable External Dispute Resolution Schemes.
  • Resolve disputes FNSCUS412
  • Process customer complaints BSBOPS305
  • Collect, assess and use information FNSPIM410

Make it yours

Elective subjects are where you shape your qualification.

They're confirmed during your induction, and if you or your employer would like to discuss alternatives that better match your day-to-day work, our Service One team is happy to help.

Elective Subjects

This subject is specifically designed to lay a strong leadership foundation for learners. Focusing on key leadership elements such as communication, organisational behaviour, being a role model, problem solving, delivering feedback and effective decision making, this subject is perfect for anyone looking to build or enhance their leadership skills.
  • Demonstrate leadership in the workplace BSBLDR411

Teams need sound leadership to prosper. This important subject breaks down the art of leading effective teams into the key elements of inspiring trust, effective communication, setting targets and building relationships. Special attention is given to teaching leaders how to successfully manage both individual and team conflict and improve team performance.
  • Lead team effectiveness BSBLDR414
Entry Requirements

What you need to get started

We want to make sure you are stepping into a qualification that you can confidently master.

Reviewing your foundational skills, prior learning, and experience during enrolment allows us to confirm you have everything you need to succeed in your learning program.

It also gives our team a clear picture of your strengths, ensuring we can build the right learning adjustments and study safety nets around you from day one.

  • Prior Education or Work Experience Requirements

    Completion of a Certificate III in Finance or at least 2 years of relevant workplace experience, is highly recommended before commencing.

  • Required Qualification Reading Skills

    You will need to read complex texts like workplace policies, extract key ideas, and use basic reading strategies. Having Year 12 or sound workplace reading skills will set you up for success.

  • Writing Skills for Success

    You'll need to be able to draft complex emails, present detailed ideas clearly, and adapt your document layouts. Having completed Year 12 schooling or solid workplace writing experience ensures you are ready to excel.

  • Communicating in Spoken English

    You must be able to follow conversations, explain complex steps and adapt your speech. Having the spoken English skills to talk professionally with your Student Adviser is a great indicator of your ability.

  • Demonstrate Practical Math Skills

    You will need to understand and use everyday maths in routine tasks. Having completed Year 10 or a practical, working knowledge of basic math functions should ensure you are fully prepared to succeed.

  • Possess Appropriate Digital Skills

    You will need to be able to navigate websites, edit documents or spreadsheets, and manage email. Being able to upload files and use standard applications will ensure you have the right digital foundation.

  • System and Software Needs

    To successfully complete your online study, having a reliable internet connection, a laptop or desktop computer with the right applications installed are required to complete your learning journey with ACCM.

Course Fee

Affordable, without compromise

  • 24/7 access

    Start anytime. Course delivery helps you learn at your pace, without getting in the way of life.

  • No hidden fees

    Study without the stress of extra costs. If you need to revise an assessment task, we provide unlimited attempts free of charge.

  • Remote, not distant

    We wrap the flexibility of online study in the genuine care of a classroom. You enjoy the freedom to learn from anywhere, knowing that a human support team is just a quick call away.

Your course fee

$3,750

Flexible interest-free payment options

Adjust the amount or frequency any time after enrolling.
Weekly Most popular
$78 / weekly

47 payments, interest-free

Fortnightly
$155 / fortnightly

23 payments, interest-free

For Employers

Are you an employer?

Because each state and territory follows unique traineeship eligibility rules, funding priorities, and qualification pathways, your business may be eligible for significant training subsidies or valuable payroll tax rebates depending on your circumstances.

Instead of trying to figure out the rules yourself, simply reach out to our course advisory team using the Enquire button.

We will quickly review your location and staff structure to map out a quality training program that maximises your available savings.

  • New Entrant and Existing Worker Traineeships

    New Entrant and Existing Worker Traineeships are a formal training pathway used for new starters to gain practical skills and obtain a nationally recognised qualification while earning a salary.

  • Direct Corporate & Individual Enrolments

    Bypass the formal traineeship registration process entirely. Enroll your staff directly into our accredited courses as standard fee-paying students, allowing you to access our premium training model without the administrative overhead of a formal state training contract.

  • School Based Traineeships

    School-based traineeships allow senior high school students to launch their careers while completing their education. This pathway requires structured coordination with the student's school and guardians, and candidates must demonstrate genuine suitability for their chosen vocational path.

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