OBB case studies
OBB · Put your knowledge to work in context.
The OBB is a professional banking credential whose exam tests whether a candidate can apply regulatory rules, governance expectations and conduct standards to realistic banking situations. It is aimed at people working in or moving into compliance, risk, operations, relationship management and internal control roles at banks and similar institutions, and at candidates who need a structured, verifiable signal of banking knowledge rather than a narrow product certificate. The OBB case studies are 5 cases and about 2,693 words.
1The Branch That Cannot Close Its Books
A mid-sized retail bank operates 42 branches. On the last business day of each quarter, branch managers must submit a signed reconciliation of cash, suspense accounts, and customer refunds.
544 words, about 3 min2The Relationship Manager's Discretionary Fee
A private banking relationship manager (RM) manages 60 client accounts. The bank's fee schedule allows a discretionary "advisory fee" of up to 1.2% of assets, with the actual rate set by the RM subject to client agreement.
526 words, about 3 min3The Model That Passed Validation
A bank uses an internal model to estimate credit losses on a $2.3 billion small-business portfolio. The model was validated 18 months ago and approved by the model risk committee.
525 words, about 3 min4The Product Launch With No Paper Trail
A digital bank plans to launch a "flexible savings" product in three weeks. The product pays a promotional rate for six months, then reverts to a lower rate, and includes a feature that automatically sweeps idle balances into a partner fund.
572 words, about 3 min5The Suspicious Pattern in Four Small Deposits
A branch teller notices that a customer has made four cash deposits of 9,400, 9,200, 9,600, and 9,300 over eight business days, each just under the 10,000 reporting threshold. The customer is a small restaurant owner whose account previously received monthly deposits of around 3,000.
526 words, about 3 min