Training structure
Montpellier-Sète University Institute of Technology
Presentation
The professional degree in Insurance, Banking, and Finance: Customer Service Representative specializingin Retail Market Sales Advisor prepares students in one year through an apprenticeship program (CFA DIFCAM or FORMAPOSTE, depending on the host company) for positions as sales advisors in the banking and insurance sectors.
The degree is ISO 9001 certified, version 2015.
The program is divided into two complementary stages (440 hours) and at least 25% of the teaching is provided by professionals from the sector:
- General training related to careers in insurance, banking, and finance.
- Specific training for the profession of sales advisor for private individuals.
Professional and regulatory certifications are awarded either during the year, depending on the results of tests, or upon graduation for some: LCB-FT, International Sanctions (OFAC), LCC-Lagarde Law, DCI Directive, ACPR Insurance Level 1.
The integration of additional course modules now allows students to prepare for certification by the French Financial Markets Authority (AMF).
These different stages are combined with an internship thesis and a professional project report (120 hours), which ensure that students develop solid skills during the two semesters of the professional bachelor's degree.
Approximately 95%, including dropouts during the year.
Success rate
The advantages of the training program
Knowledge is assessed on an ongoing basis for each course. Defenses are used to evaluate internship reports and supervised (group) projects
The LP is obtained if the average is higher than 10/20 across all grades, including the internship and project, and if the average is higher than 10/20 for the internship and project combined (1999 professional bachelor's degree decree and 2014 bachelor's, professional bachelor's, and master's degree decree).
The degree is worth 60 European credits (ECTS).
The degree is equivalent to:
- Training on the Consumer Credit Act (Lagarde Act)
- DCI (Real Estate Credit Directive) training,
- ACPR Level I,
- IAS Level I,
- Level I IOB,
- Level I CIF.
Professional certifications are awarded during the year, depending on the successful completion of certain exams:
- LCB – FT (anti-money laundering and counter-terrorism financing), private market
- International sanctions – OFAC,
- Consumer Credit Law – Lagarde Law
The bachelor's degree offers the opportunity to take the Voltaire certification and the ibellule module for email writing at the Montpellier-Sète University Institute of Technology.
Objectives
The professional degree aims to prepare students for direct entry into the workforce, specifically in positions as personal financial advisors in the banking and insurance sectors.
(ROME codes: C1201: Reception and banking services; C1203: Banking/finance customer relations; C1206: Banking customer management; C1205: Financial asset management consulting; C1102: Insurance customer consulting.)
Know-how and skills
Sales advisors in the retail market must acquire a set of skills enabling them to perform the following key activities in an omnichannel customer journey context:
- Manage the daily activities of a branch,
- Analyze customer needs (customer discovery),
- Negotiate and sell financial products and services,
- Manage a customer portfolio,
- Analyze and manage business risks
- Keep abreast of developments in the sector and regulations.
Organization
Special facilities
Accommodations can be made for students with disabilities.
Program
12 months of work-study, including 17 weeks at the Montpellier-Sète University Institute of Technology (overall work-study rhythm of 2 weeks on, 2 weeks off), during which a range of subjects are studied. These can be grouped as follows:
- Customer Relationship Management and Commercial Negotiation (20%)
- Banking and Insurance Products and Services (15%)
- Taxation, property law, and consumer law (15%)
- Personal finance, risk, and guarantees (15%)
- Mathematics, accounting, and financial analysis (8%)
- Financial markets and stock market transactions (7%)
- Preparation for the AMF (Autorité des Marchés Financiers) exam (4%)
- Compliance (4%)
- Banking marketing (4%)
- Banking English (4%)
- Project methodology (4%)
Select a program
Sales Advisor for the Retail Market - Option: Insurance
The professional degree in Insurance, Banking, and Finance: Customer Service Representative, specializing in Sales Advisor for the Retail Market, is a one-year apprenticeship program (CFA DIFCAM or FORMAPOSTE, depending on the host company) that prepares students for positions as sales advisors in the banking and insurance sectors.
The degree is ISO 9001 certified, version 2015.
The program is divided into two complementary stages (440 hours) and at least 25% of the teaching is provided by professionals from the sector:
- General training related to careers in insurance, banking, and finance.
- Specific training for the profession of sales advisor for private individuals.
Professional and regulatory certifications are awarded either during the year, depending on the results of tests, or upon graduation for some: LCB-FT, International Sanctions (OFAC), LCC-Lagarde Law, DCI Directive, ACPR Insurance Level 1.
The integration of additional course modules now allows students to prepare for certification by the French Financial Markets Authority (AMF).
These different stages are combined with an internship thesis and a professional project report (120 hours), which ensure that students develop solid skills during the two semesters of the professional bachelor's degree.
Sales Advisor for the Retail Market - Option: Banking
The professional degree in Insurance, Banking, and Finance: Customer Service Representative, specializing in Sales Advisor for the Retail Market, is a one-year apprenticeship program (CFA DIFCAM or FORMAPOSTE, depending on the host company) that prepares students for positions as sales advisors in the banking and insurance sectors.
The degree is ISO 9001 certified, version 2015.
The program is divided into two complementary stages (440 hours) and at least 25% of the teaching is provided by professionals from the sector:
- General training related to careers in insurance, banking, and finance.
- Specific training for the profession of sales advisor for private individuals.
Professional and regulatory certifications are awarded either during the year, depending on the results of tests, or upon graduation for some: LCB-FT, International Sanctions (OFAC), LCC-Lagarde Law, DCI Directive, ACPR Insurance Level 1.
The integration of additional course modules now allows students to prepare for certification by the French Financial Markets Authority (AMF).
These different stages are combined with an internship thesis and a professional project report (120 hours), which ensure that students develop solid skills during the two semesters of the professional bachelor's degree.
Admission
Target audience
Graduates with a two-year college degree, preferably with a focus on business.
Be under 30 years of age when signing an apprenticeship contract. Any age for signing a professional training contract.
Mandatory prerequisites
Any two-year post-secondary degree may grant access to the bachelor's degree program.
Recommended prerequisites
A two-year college degree and/or professional experience (and/or internship) in the banking or insurance sector are appreciated.
And after
Continuing education
The aim of the professional bachelor's degree is to enable students to quickly enter the workforce rather than continue their studies.
However, some students do go on to pursue professional master's degrees, usually through a work-study program with their host company, particularly in the fields of professional or wealth management consulting.
Gateways and reorientation
Any other training program accessible at the Bac +2 level, or Bac +3 after obtaining a bachelor's degree.
Professional integration
Based on the average of the last three surveys conducted 30 months after graduation, the employment rate is 90%.
The vast majority of jobs are located in the Occitanie region and in the targeted sector. The average salary reported is €1,770.