Funds Transfer Pricing (FTP) Certification Training

The Funds Transfer Pricing (FTP) Certification Training is designed to provide finance and banking professionals with a comprehensive understanding of how FTP frameworks are used to allocate costs, measure profitability, and manage balance sheet risks within financial institutions. The course explains how FTP supports Asset-Liability Management (ALM), pricing decisions, and strategic financial planning. Participants will learn key FTP methodologies, including matched maturity pricing, pooled funding approaches, and liquidity premium allocation, along with their practical applications. The program also covers interest rate risk, liquidity management, and performance measurement across business units, helping organizations improve transparency and decision-making.

With a focus on real-world application, the training includes case studies and practical examples to help learners design and implement effective FTP frameworks. By the end of the course, participants will be able to enhance profitability analysis, optimize funding strategies, and support better financial and risk management decisions within banks and financial institutions.

1. Basic understanding of banking or finance concepts
2. Familiarity with balance sheets and interest rate concepts (helpful but not required)
3. General awareness of risk management and treasury operations
4. No prior experience in FTP or treasury pricing required

• Treasury analysts, finance officers, and risk management staff
• Banking professionals involved in pricing, product management, or funding
• Internal auditors and compliance professionals
• Financial controllers, FP and A personnel, and corporate treasurers
• Anyone seeking a practical understanding of FTP and its impact on business decision-making

1. 20 multiple-choice questions covering course content
2. Passing score: minimum 15 correct answers
3. Two attempts allowed to achieve a passing score
4. Certificate issued upon successful completion

1.  Funds Transfer Pricing (FTP) Certification
2. Gain in-depth, practical knowledge of Funds Transfer Pricing (FTP) in banking and financial institutions 
3.  Understand how to allocate funding costs, manage liquidity, and interest rate risk effectively 
4.  Learn core FTP methodologies including Interest Transfer Pricing (ITP) and Liquidity Transfer Pricing (LTP)
5.  Develop skills in profitability analysis, internal pricing, and performance measurement across business units 
6.  Understand behavioral adjustments, governance frameworks, and FTP policies
7.  Integrate FTP with Asset-Liability Management (ALM) and regulatory expectations 
8.  Apply learning to real-world balance sheet management and pricing decisions
9.  Enhance ability to support strategic financial planning and decision-making

Career and Professional Benefits

1.  Strengthen your profile for roles such as: 
2.  FTP Analyst 
3.  ALM / Treasury Risk Specialist 
4.  Balance Sheet Manager 
5.  Transfer Pricing Consultant 
6.  High demand in banking, treasury, and risk management functions
7.  Improve career mobility and industry relevance

Salary and Market Potential

1.  Competitive salary range: $90,000 – $140,000+ annually
2.  Senior and specialized roles can exceed this range 
3.  Strong demand for professionals with analytical and risk management expertise

Overall Value

1.  Combine technical FTP expertise with practical application
2.  Contribute to profitability optimization, pricing strategy, and liquidity management
3.  Position yourself as a key contributor to financial performance and balance sheet strategy

A financial engineer with over 20 years of practical experience in international financial institutions. Her expertise is strongly focused on Interest Rate Risk in the Banking Book (IRRBB), Asset Liability Management and Balance Sheet Management, with most of her career spent enhancing ALM profitability and efficiency. She holds a PhD in Finance and has published research that has received strong recognition from both academics and industry practitioners.

1. Explain the purpose and strategic role of Funds Transfer Pricing (FTP) within a bank’s balance sheet management and risk framework.
2. Describe the regulatory expectations and governance principles that influence FTP design and implementation.
3. Identify and differentiate key FTP components, including base rate, term and liquidity premia, credit risk spreads, and behavioural adjustments.
4. Apply interest transfer pricing (ITP) and liquidity transfer pricing (LTP) concepts to accurately allocate funding costs and benefits to products and business units.
5. Construct FTP curves and rate structures that reflect funding, liquidity and product‑specific characteristics.
6. Incorporate behavioural assumptions and stress scenarios to adjust FTP for products such as undrawn commitments and non‑maturing deposits.
7. Use FTP to support **balance sheet shaping**, pricing decisions, incentive alignment, and performance measurement across lending, deposit gathering, and treasury functions.
8. Analyse practical case studies to calculate FTP results and interpret their implications for pricing, product profitability, and strategic decision‑making.