Benchmark in the banking sector

The SAQ certification system Client Advisor Bank was developed in close cooperation with the Swiss banking industry and is recommended to its members by Swiss Banking.

The SAQ certificate is a proof of quality, which attests the holder is aware of the expertise and rules of conduct defined by the industry for the consulting profession.

Only professionals who are employed by a financial institution (bank or independent asset manager) and who have a client portfolio or are involved in it, as well as self-employed persons with direct client contact, can take the required examination.

Current certification programmes

Certified Wealth Management Advisor CWMA

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The Wealth Management Advisor CWMA certificate is intended for client advisors who are responsible for clients in one of the following or a related client segment at a bank licensed by FINMA or an independent asset manager (affiliated with an SRO or FINMA license):

  • Asset management
  • Wealth management
  • Specialised asset management for clients with a large fortune (UHNWI & family offices)

The advisor possesses

  • the necessary industry knowledge of products and services, in line with the scope and features of the Wealth Management Advisor programme.
  • proven skills and competences in advising clients in one of the client segments listed.
  • adequate knowledge of the rules of conduct in accordance with the legal requirements, to enable him/her to advise clients in the relevant segment.

Holders of a Wealth Management Advisor CWMA certificate can use the title “Certified Wealth Management Advisor” or “Certified Client Advisor SAQ”.

The catalog of learning topics can be found below in the relevant certification program.

Certified Advisor Affluent Clients

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The Affluent Client Advisor certificate is for client advisors who are responsible for clients in one of the following or a related client segment at a bank licensed by FINMA:

  • Affluent banking
  • Private Banking domestic
  • Investment clients / investment consulting
  • Wealthy private clients

The advisor possesses

  • the necessary industry knowledge of products and services, in line with the scope and features of the Affluent Client Advisor programme.
  • proven skills and competences in advising clients in one of the client segments listed.
  • adequate knowledge of the rules of conduct in accordance with the legal requirements, to enable him/her to advise clients in the relevant segment.

Holders of an Affluent Client Advisor certificate can use the title “Certified Affluent Client Advisor” or “Certified Client Advisor SAQ”.

The catalog of learning topics can be found below in the relevant certification program.

Note: This certification programme is not available in English.

Certified Advisor Individual Clients

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The Individual Client Advisor certificate is for client advisors who are responsible for clients in one of the following or a related client segment at a bank licensed by FINMA:

  • Individual clients
  • Upscale retail segment
  • Investment / mortgages / pensions advice
  • Credit and mortgage advice
  • Private real estate financing
  • Standardised investment consulting
  • Affluent clients

The advisor possesses

  • the necessary industry knowledge of products and services, in line with the scope and features of the Individual Client Advisor programme.
  • proven skills and competences in advising clients in one of the client segments listed.
  • adequate knowledge of the rules of conduct in accordance with the legal requirements, to enable him/her to advise clients in the relevant segment.

Holders of an Individual Client Advisor certificate can use the title “Certified Individual Client Advisor” or “Certified Client Advisor SAQ”.

The catalog of learning topics can be found below in the relevant certification program.

Note: This certification programme is not available in English.

Certified Advisor Private Clients

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The Private Client Advisor certificate is for client advisors who are responsible for clients in one of the following or a related client segment at a bank licensed by FINMA:

  • Private clients
  • Account clients with the focus on payments/savings
  • Low-end retail segment
  • Basic clients retail
  • Small clients

The advisor possesses

  • the necessary industry knowledge of products and services, in line with the scope and features of the Private Client Advisor programme.
  • proven skills and competences in advising clients in one of the client segments listed.
  • adequate knowledge of the rules of conduct in accordance with the legal requirements, to enable him/her to advise clients in the relevant segment.

Holders of a Private Client Advisor certificate can use the title “Certified Private Client Advisor” or “Certified Client Advisor SAQ”.

The catalog of learning topics can be found below in the relevant certification program.

Note: This certification programme is not available in English.

Certified Corporate Banker CCoB

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The Corporate Banker CCoB certificate is for client advisors who are responsible for clients in one of the following or a related client segment at a bank licensed by FINMA:

  • Corporate & institutional clients
  • Business clients
  • Institutional clients
  • Commercial key accounts
  • Financing commercial key accounts

The advisor possesses

  • the necessary industry knowledge of products and services, in line with the scope and features of the Corporate Banker CCoB programme.
  • proven skills and competences in advising clients in one of the client segments listed.
  • adequate knowledge of the rules of conduct in accordance with the legal requirements, to enable him/her to advise clients in the relevant segment.

Holders of a Corporate Banker CCoB certificate can use the title “Certified Corporate Banker CCoB” or “Certified Client Advisor SAQ”.

The catalog of learning topics can be found below in the relevant certification program.

Note: This certification programme is not available in English.

Certified Advisor SME Clients

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The SME Client Advisor certificate is for client advisors who are responsible for clients in one of the following or a related client segment at a bank licensed by FINMA:

  • SME clients
  • Business clients
  • Retail and commercial clients
  • Small business clients
  • Small commercial clients

The advisor possesses

  • the necessary industry knowledge of products and services, in line with the scope and features of the SME Client Advisor programme.
  • proven skills and competences in advising clients in one of the client segments listed.
  • adequate knowledge of the rules of conduct in accordance with the legal requirements, to enable him/her to advise clients in the relevant segment.

Holders of an SME Client Advisor certificate can use the title “Certified SME Client Advisor” or “Certified Client Advisor SAQ”.

The catalog of learning topics can be found below in the relevant certification program.

Note: This certification programme is not available in English.

Download certification programmes

Downloads

Wealth Management Advisor CWMA PDF (231 kB)
Advisor Affluent Clients PDF (159 kB)
Advisor Individual Clients PDF (179 kB)
Advisor Private Clients PDF (179 kB)
Certified Corporate Banker CCoB PDF (202 kB)
Advisor SME Clients PDF (201 kB)

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