Your certificate of completion.
If you have passed the test, type your name, pay A$39 and download it straight away as a PDF, with its number, a QR code and a ready entry for your CPD log.
You came back without paying. Nothing was charged, and the details from that attempt are deleted automatically within 48 hours.
First, pass the test.
It is free: 25 questions, and 20 right (80%) is a pass. Take it as often as you like. When you pass, you come straight back here.
Preview: this is how your certificate will look
Certificate of completion
Scams, payment redirection and identity fraud for mortgage brokers and credit representatives (2027 edition)
This is to certify that
Your name
has completed the self-paced online course from Aptia Skills and passed its final test with 23 out of 25 right (pass mark 20).
- Your role
- Your details
- MFAA or credit representative number (partly hidden)
- Not given
- Course hours (rounded down)
- 2 hours
- Study time
- 0 min
- What your CPD rules ask, and where this course fits
- Settlement money: payment redirection on a broker’s file
- Doctored payslips, statements and employer letters
- Identity checks and impersonation of clients and brokers
- Patterns across files, and what happens to brokers who miss them
- Four files to practise on
- Payment redirection and business email compromise
- AI-written phishing and impersonation by email, SMS and chat
- Verification habits that stop most of these scams
- Account takeover, passwords and MFA fatigue
- Synthetic identities and fake documents
- Voice clones and deepfake video calls: an emerging risk
- When it happens: the first hour
This course has not been submitted to the MFAA for CPD allocation, and ASIC leaves training to each credit licensee. You decide, with your licensee, whether it is relevant to your role, and you keep your own CPD records.
- Date issued
- 2 November 2026
- Issued and signed by
- Aptia Skills · Opus Vault
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Certificate of completion
Scams, payment redirection and identity fraud for mortgage brokers and credit representatives (2027 edition)
This is to certify that
has completed the self-paced online course from Aptia Skills and passed its final test with 23 out of 25 right (pass mark 20).
- Your role
- MFAA or credit representative number (partly hidden)
- Course hours (rounded down)
- 2 hours
- Study time
- 0 min
- What your CPD rules ask, and where this course fits
- Settlement money: payment redirection on a broker’s file
- Doctored payslips, statements and employer letters
- Identity checks and impersonation of clients and brokers
- Patterns across files, and what happens to brokers who miss them
- Four files to practise on
- Payment redirection and business email compromise
- AI-written phishing and impersonation by email, SMS and chat
- Verification habits that stop most of these scams
- Account takeover, passwords and MFA fatigue
- Synthetic identities and fake documents
- Voice clones and deepfake video calls: an emerging risk
- When it happens: the first hour
This course has not been submitted to the MFAA for CPD allocation, and ASIC leaves training to each credit licensee. You decide, with your licensee, whether it is relevant to your role, and you keep your own CPD records.
- Date issued
- 2 November 2026
- Issued and signed by
- Aptia Skills · Opus Vault