[01] COURSE INTRODUCTION

In today’s highly regulated environment, compliance is not optional — it is essential. In the debt collection industry, adhering to legal, ethical, and internal standards protects organizations from reputational damage, regulatory penalties, and operational risks.

This course is designed to instill a strong compliance mindset among debt collection teams, ensuring they uphold high standards of integrity, professionalism, and client trust.

Participants will gain practical knowledge of key compliance requirements, laws, and best practices essential to their daily operations.

[02] METHODOLOGY

• Interactive Lectures and Case Studies

• Real-World Scenario Discussions

• Compliance Videos and Practical Notes

• Pre- and Post-Training Assessments (Objective Questions)

• Group Activities and Knowledge Checks

[03] COURSE OBJECTIVES

By the end of this course, participants will be able to:

• Understand the critical role of compliance in debt collection operations

• Recognize and apply key regulatory requirements, including PDPA, FSA, IFSA, FDCP, and AMLATFPUAA

• Identify risks and consequences of non-compliance

• Perform debt collection activities ethically and in compliance with applicable laws and organizational policies

• Strengthen the protection of sensitive data and ensure responsible handling of customer information

[04] COURSE OUTCOMES

Participants will be able to:

• Explain the importance of compliance in debt collection activities

• Identify the consequences of non-compliance & regulatory breaches

• Describe their roles and responsibilities in maintaining compliance

• Apply the “Do’s and Don’ts” in daily collection practices

• Implement proper procedures for safeguarding customer data and preventing misconduct

[05] TARGET AUDIENCE

• Managers, Team Leaders, and Debt Collection Officers

• Compliance Officers and Risk Management Personnel involved in debt recovery operations

[06] DATE, TIME & FEE

Date:           20 May 2025 (Tue)
Time:           9.00am – 5.00pm
Venue:        CPD Academy, RIO Puchong

FEE

[ HRDF Claimable ]

   - Early Bird Offer (before 16 May 2025)      –      RM 760
   - Special Offer (before 31 May 2025)      –      RM 820
   - Normal Fee      –      RM 880

>> Fee includes Course Notes, Certificate of Completion & 8% Service Tax

** OFFER ** 

- 10% Cashback for SST2u Learner Card+ (SLC+) members. T&Cs applied.

[07] COURSE OUTLINE

Module 1: Introduction to Compliance

• What is Compliance?

• Why Compliance Matters in Debt Collection

• Organizational and Personal Risks of Non-Compliance

• Building a Culture of Compliance

Module 2: Understanding PDPA (Personal Data Protection Act)

• Overview of PDPA

• The Seven Principles of Data Protection

• Handling Customer Data Properly

• Common Pitfalls in Data Management

Module 3: Overview of FSA & IFSA 2013

• Objectives and Purpose of FSA (Financial Services Act) and IFSA (Islamic Financial Services Act)

• Key Laws Repealed

• Confidentiality and Secrecy Requirements

• Prohibited Conduct and Permitted Disclosures

• Understanding Penalties for Breaches

Module 4: Fair Debt Collection Practices (FDCP)

• Objectives and Purpose of FDCP Guidelines

• Authorization and Licensing of Debt Collectors

• Proper Handling of Customer Information

• Ethical Collection Practices and Prohibited Behavior

• Handling Complaints Against Debt Collectors

• Penalties for Violations

Module 5: Anti-Money Laundering (AMLATFPUAA)

• Introduction to Money Laundering Risks

• Stages of Money Laundering (Placement, Layering, Integration)

• Red Flags in Debt Collection

• Penalties and Consequences for Non-Compliance

Module 6: Clean Desk Policy and Information Security

• Importance of Information Security in Collections

• Benefits of a Clean Desk Policy

• Practical Steps for Implementing Clean Desk Practices

• Maintaining Client Confidentiality

Post-Assessment

• 20 Multiple-Choice Questions to measure knowledge gained

Q&A Session

End of Training

[08] TRAINERS PROFILE

RAMESH RAJENDRAN

HRD Corp Accredited Trainer, Consultant

Ramesh Rajendran is a seasoned professional with over 20 years of experience specializing in Credit and Debt Management. He has conducted extensive training for debt collection agencies, credit leasing companies, SMEs, and government organizations throughout Malaysia.

His expertise in credit collection strategies, debt recovery processes, and compliance standards has helped numerous organizations transform their collection operations, enhance recovery performance, and build sustainable frameworks for managing accounts receivables.

EXPERIENCE HIGHLIGHTS

• Trained over 30 debt collection agencies, SMEs, and leasing companies such as BSNC Leasing and 3CL Credit Leasing

• Delivered customized programs for government organizations

• Conducted numerous HRD Corp-registered programs focused on debt collection and receivables management

• 16 years corporate experience with a Malaysian telco, responsible for credit recovery and debt management

TRAINING SPECIALIZATIONS:

• Debt Collection Strategies for Agencies

• Receivable Management for SMEs

• Compliance Training for Credit Recovery Officers (Banking Sector)

• Customized Debt Collection Training Programs

• Field Visitation Compliance for Field Visit Officers

QUALIFICATIONS

• HRDC Accredited Trainer

• Affiliate Member, Malaysia Financial Planning Council (MFPC)

• Executive MBA (Corporate Management), Open University Malaysia

• Diploma in Accounting Administration, University of Malaya

[09] ENQUIRY & REGISTRATION

Enquiry: yes@sst2u.com

Contact:

   - Whatsapp Only (012 - 824 8874)
   - Teo (011 - 3178 9203)
   - Logesh (012 - 503 0346)
   - Siti (012 - 383 8603)
   - Nisa (019 - 851 5134)
   - Central Region (03 - 8604 7270)
   - Northern Region (04 - 222 6850)
   - Southern Region (07 - 213 3676)
   - East Malaysia (011 - 3178 9203)

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